Podcasts about Speaker

Thursday, December 4th, 2025Today, the Pentagon knew there were survivors of the September 2nd boat strike; Ghislaine Maxwell is going to file a habeas petition challenging her incarceration and she' s worried the release of the Epstein Files will be damaging to her cause; Nancy Mace is considering following Marjorie Taylor Greene's lead and resigning before the end of her term in the House; the Department of Defense Inspector General found that Hegseth's Signal chat put troops in harm's way; Democrats swung 13 points with every county moving left in the special election for Tennessee's 7th Congressional District; the government is inviting employees to voluntarily disclose their disabilities; the House Judiciary Republicans have refused Jack Smith's demand for public testimony and have issued a subpoena to hold questioning behind closed doors; Judge Beryl Howell has barred the Trump administration from making warrantless arrests of immigrants in DC unless they're deemed a flight risk; the Speaker of the Virginia State House said the legislature is considering a 10D 1R congressional map; and Allison delivers and your Good News. Dana is out and about.Thank You, WildGrainGet $30 off your first box + free Croissants in every box. Go to Wildgrain.com/DAILYBEANS to start your subscription.Thank You, CBDistilleryUse promo code DAILYBEANS at CBDistillery.com for 25% off your purchase. MAGA Can't Spin Out of War Crimes! | ALLISON GILL AND THE LEFT HOOK WITH WAJAHAT ALISubscribe to MSW Media's YouTube Channel - YouTubeStoriesPentagon knew boat attack left survivors but still launched a follow-on strike, AP sources say | AP NewsPentagon watchdog finds Hegseth risked the safety of U.S. forces with use of Signal | NPRRepublican Anger Erupts at Johnson as Party Frets About Future | The New York TimesFederal Judge Bars Some Warrantless Immigration Arrests in D.C. | The New York TimesGood TroubleIf immigrants could attend their hearing over zoom, they wouldn't be at risk by just following the law and attending their immigration hearing.Petition for virtual court hearings:Petition · Stop ICE kidnappings at courts — demand virtual court hearings now! - United States · Change.org→No Contract, No Coffee→AACN Dept. of Education Proposed Limitation of Student Loan Access for Nursing→Red, Wine and Blue active North Carolina Community Trouble Nation→Mutual Aid Relief Fund, Mutual Aid Hub, GiveDirectly.org/snap→Group Directory - The Visibility Brigade: Resistance is Possible→Vote Yes 836 - Oklahoma is gathering signatures→How to Organize a Bearing Witness Standout→Find Your Representative | house.gov, Contacting U.S. SenatorsJoin Dana and The Daily Beans and support on Giving TuesdayGiving Tuesday - Support the work of the Human Rights Campaign, the nation's largest LGBTQ+ civil rights organization - The Daily BeansFrom The Good News100 Organizations Supporting Trans People in All 50 States | Them.usNational LGBT Resource Guide for Queer And Transgender OrganizationsPetition · Stop ICE kidnappings at courts — demand virtual court hearings now! - United States · Change.orgMan Cave - Timothy Mooney Repertory Theatre→Please submit your own Good Trouble and/or Good News.Our Donation LinksNational Security Counselors - Donate, MSW Media, Blue Wave CA Victory Fund | ActBlue, WhistleblowerAid.org/beansFederal workers - email AG at fedoath@pm.me and let me know what you're going to do, or just vent. I'm always here to listen.Dr. Allison Gill - Substack, BlueSky , IG, Twitter, MSW Media - YouTubeDana Goldberg - The 2025 Out100, BlueSky, Twitter, IG, facebook, danagoldberg.comMore from MSW Media - Shows - MSW Media, Cleanup On Aisle 45 pod, The Breakdown | SubstackReminder - you can see the pod pics if you become a Patron. The good news pics are at the bottom of the show notes of each Patreon episode! That's just one of the perks of subscribing! patreon.com/muellershewrote Our Donation LinksNational Security Counselors - DonateMSW Media, Blue Wave California Victory Fund | ActBlueWhistleblowerAid.org/beansFederal workers - feel free to email AG at fedoath@pm.me and let me know what you're going to do, or just vent. I'm always here to listen. Find Upcoming Actions 50501 Movement, No Kings.org, Indivisible.orgDr. Allison Gill - Substack, BlueSky , TikTok, IG, TwitterDana Goldberg - BlueSky, Twitter, IG, facebook, danagoldberg.comCheck out more from MSW Media - Shows - MSW Media, Cleanup On Aisle 45 pod, The Breakdown | SubstackShare your Good News or Good TroubleMSW Good News and Good TroubleHave some good news; a confession; or a correction to share?Good News & Confessions - The Daily Beanshttps://www.dailybeanspod.com/confessional/ Listener Survey:http://survey.podtrac.com/start-survey.aspx?pubid=BffJOlI7qQcF&ver=shortFollow the Podcast on Apple:The Daily Beans on Apple PodcastsWant to support the show and get it ad-free and early?The Daily Beans | SupercastThe Daily Beans & Mueller, She Wrote | PatreonThe Daily Beans | Apple Podcasts Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

In this Advent episode, we step into Mary's song - the Magnificat - one of the most profound and disruptive prayers in Scripture. Luke 1:46–56 becomes our guide as we explore why this young woman's words have shaped centuries of faith, justice, and worship. We discover how the Greek word megaluno (“to magnify”) reframes our understanding of worship, how every line of the Magnificat draws from the Old Testament, and how Mary holds together God's past faithfulness, her present reality, and the unfolding hope of future generations.Taught by Dominic Done, this message moves into the heart of the Magnificat's theology: God as divine warrior who confronts injustice, and God as the giver of hesed - a steadfast, covenant love that meets us in humility and transforms us from within. We're invited to follow Mary's example by worshiping before the promise is fulfilled, trusting before the evidence appears, and choosing to magnify God rather than our fears or anxieties.For anyone wrestling with perspective, overwhelm, or the pull of negativity, this episode offers a simple but disruptive truth: what we magnify shapes who we become. In a world that fixates on the urgent and the fearful, Mary points us toward a better focus.Podcast Links:Pursuing Faith

There comes a point in every woman's journey when she feels that pull to use her voice in a more meaningful, more expansive way. It's the moment when sharing information becomes sharing transformation — when your story becomes the very thing that opens doors for others. In this episode, I'm exploring what it truly means to step into that calling, honor the message in your heart, and navigate the resistance that often rises as you move toward bigger stages. It's a powerful reminder of what happens when you say yes to your own voice. Today, I'm joined by the incredible Jessica Hammock, a speaker and mental health leader who recently stepped into her biggest speaking opportunity yet. Jessica and I worked together inside my Speak Easy program to shape her keynote, and in this conversation, she shares the behind-the-scenes journey — the challenges, the spiritual nudges, and the breakthroughs — that brought her to that stage. I can't wait for you to hear her transformation. Join me today as Jessica and I discuss: Why shifting from teaching to storytelling can dramatically deepen your impact How Jessica recognized the message she was truly meant to share — and the “divine download” that guided her The resistance and unexpected challenges she faced leading up to her keynote, and the grounding practices that carried her through The powerful meaning behind her message of Hope Steelers, Hope Dealers, and Hope Healers The surprising opportunities that opened up after her talk, including paid speaking invitations and new visibility How showing up early and staying late at events can exponentially increase connections and bookings Jessica's expanded vision for speaking on larger, faith-based, and transformational stages Jessica's story is such a beautiful reminder of what can unfold when you trust your voice and share your story with intention. If this conversation stirs something in you — a desire to speak more, to lead with your story, or to get on bigger stages — I want you to know that it's possible for you too. Your voice matters, and your message matters. When you're ready, come explore what's available inside my Speak Easy program or any of the storytelling resources at LIGHTbeamers.com. I'd love to support you on your journey. Learn more about your ad choices. Visit megaphone.fm/adchoices

Bishop Rose Hudson-Wilkin MBE is Bishop of Dover and Bishop in Canterbury. An utter trailblazer: she is the Church of England's first black female bishop, was the first female Chaplain to the Speaker to the House of Commons and a Chaplain to Queen Elizabeth II. She is also the author of her autobiography – The Girl from Montego Bay – in which she shares her story with raw and unflinching honesty.For 'The Girl From Montego Bay': https://amzn.eu/d/8igCgq4 If you found this conversation interesting, Seen & Unseen, the creators of Re-Enchanting, offers thousands of articles exploring how the Christian faith helps us understand the modern world. Discover more here: www.seenandunseen.com Generosity changes things — in us, in others and in the world.At Stewardship, we help Christians give well and see their generosity make a real difference.Find out how a Stewardship Giving Account can help you give, grow, and live generously every day.https://stwdshp.org/re-enchanting Hosted on Acast. See acast.com/privacy for more information.

Our guest is ED NEWTON, senior pastor of Community Bible Church in San Antonio, TX, and a frequent speaker at conferences, author of the brand new book Why Not You, and host of the Why Not You Podcast. Ed is a master communicator, storyteller, and evangelist. We discuss his radio show, why Why Not You is such a powerful phrase, leadership lessons, self awareness, speaking life into others, and much more. Plus, check out the Weekly Top Leadership List and Links. Make sure to visit http://h3leadership.com to access the list and all the show notes. Share them with your team, repost the lists, and follow and subscribe. Thanks again to our partners for this episode: UNITUS – (FOOTWEAR and APPAREL) Unitus is a faith-focused footwear and apparel company started by NBA player, Jonathan Isaac. Visit http://weareunitus.com. Unitus exists to help followers of Jesus honor God in their everyday life. The most recent shoe drop is the Judah 2 - a lifestyle running and athletic shoe featuring Scripture on the back. Choose your favorite shoes, workout gear, hoodies, or leisure wear. Makes a great Christmas present for friends and family. Check them out at http://weareunitus.com. And FOSTER THE CITY – Foster the City was launched out of Echo Church in CA, and now over 350 churches are raising up Foster Families and Support Teams to take on the thousands of kids needing a foster family. Learn more at http://fosterthecity.org. Be part around the country in this national movement. Working towards a day when there will be a waiting list of churches instead of a waiting list of children in need of a home. Foster the City believes there is a church for every child. Learn how you and your church can partner and get involved at http://fosterthecity.org.

This week, Isabel sits down with Carol Pitcher-Towner, Senior Vice President and Head of Development Programmes, Alnylam Pharmaceuticals, to unpack the gender inequities that continue to tarnish modern healthcare. Together, they explore the realities behind unequal outcomes and the steps needed to build a more inclusive future for patients. In Part 1, Carol eveals the personal experiences that made gender inequity impossible to ignore and uncovers where today's biggest gaps still exist. From disease areas where women are routinely misdiagnosed to the persistent blind spots shaping clinical practice, this episode exposes the uncomfortable truths that are still costing lives, and why fixing them can no longer be optional. Speaker bio Carol Pitcher-Towner is Senior Vice President and Head of Development Programs at Alnylam Pharmaceuticals. Since joining the company in 2014 as one of its first European regulatory leaders, she has gone on to oversee patient safety, risk management and Alnylam's global development portfolio. With more than 20 years of experience, including roles at AstraZeneca, Carol brings deep expertise across regulatory affairs and clinical development. She holds a PhD in Biological Sciences from the University of Warwick and was named an HBA Luminary in 2022 for her commitment to inclusive, patient-focused innovation. This content was reviewed by Alnylam UK Ltd for compliance with regulations applicable to the pharmaceutical industry only.

MeidasTouch host Ben Meiselas reports on how terrified MAGA Mike is that if he loses the Special Election tonight in Tennessee he might no longer be the Speaker soon and the Trump administration is effectively over. Head to https://zbiotics.com/MEIDAS to get 15% off your first order when you use MEIDAS at checkout. Visit https://meidasplus.com for more! Remember to subscribe to ALL the MeidasTouch Network Podcasts: MeidasTouch: ⁠https://www.meidastouch.com/tag/meidastouch-podcast⁠ Legal AF: ⁠https://www.meidastouch.com/tag/legal-af⁠ MissTrial: ⁠https://meidasnews.com/tag/miss-trial⁠ The PoliticsGirl Podcast: ⁠https://www.meidastouch.com/tag/the-politicsgirl-podcast⁠ Cult Conversations: The Influence Continuum with Dr. Steve Hassan: ⁠https://www.meidastouch.com/tag/the-influence-continuum-with-dr-steven-hassan⁠ Mea Culpa with Michael Cohen: ⁠https://www.meidastouch.com/tag/mea-culpa-with-michael-cohen⁠ The Weekend Show: ⁠https://www.meidastouch.com/tag/the-weekend-show⁠ Burn the Boats: ⁠https://www.meidastouch.com/tag/burn-the-boats⁠ Majority 54: ⁠https://www.meidastouch.com/tag/majority-54⁠ Political Beatdown: ⁠https://www.meidastouch.com/tag/political-beatdown⁠ On Democracy with FP Wellman: ⁠https://www.meidastouch.com/tag/on-democracy-with-fpwellman⁠ Uncovered: ⁠https://www.meidastouch.com/tag/maga-uncovered⁠ Learn more about your ad choices. Visit megaphone.fm/adchoices

One of our listeners couldn't stand her friend's boyfriend and she decided to take matters into her own hands... and she's been keeping it a secret from her friend for the last six years...See omnystudio.com/listener for privacy information.

The Science of Trauma & Joy with Dr. MaryCatherine McDonald - Trauma Researcher, Speaker and Author

Want the fastest way to position yourself as THE expert coaches seek out? Public speaking changes everything. Speaking expert Colin Boyd (author of "One Presentation Away") reveals why coaches who speak get instant market leadership and exactly how to craft presentations that convert. Colin shares how his income tripled in 12 months when he niched down, plus the "core premise" framework that creates that red thread through every presentation. You'll discover why clarity beats cleverness, how one of his clients generates $400K monthly running just two webinars, and the specific language patterns that turn "nice feedback" into booked-out client rosters. Whether you're terrified of speaking or already presenting but not converting, this episode gives you the roadmap to become an irresistible speaker who attracts dream clients every time. Book: https://onepresentationawaybook.com/ Connect: Instagram @colinboyd https://www.instagram.com/colinboyd/

BOSSes, Anne Ganguzza and her superpower co-host, Lau Lapides, dive into the non-negotiable reality of voiceover demo production. The bosses address why many voice actors—especially those starting out—try to cut corners on their demos, despite the demo being the primary portfolio piece used to land agents and get work. This episode provides essential, current advice on what makes a demo effective, what red flags to avoid, and how to manage the realistic expectations of investing in a long-term voice acting career. 00:03 - Anne (Host) Hey guys, it's Anne Ganguzza here. Are you ready to find your life purpose and live a happier, more fulfilling life? My coaching services can help you discover your true passions and align them with your goals. Let's start that journey today. Visit anneganguzza.com for more information.  00:31 - Speaker 2 (Announcement) It's time to take your business to the next level, the boss level. These are the premier business owner strategies and successes being utilized by the industry's top talent today. Rock your business like a boss a VO boss. Now let's welcome your host, Anne Ganguzza.  00:45 - Anne (Host) Hey, hey, everyone, welcome to the VO Boss podcast and the Boss Superpower Series. I'm your host, Anne Ganguzza, and I'm here with the lovely Miss Lala Pita. Hey, we're back, and better than ever. Annie, I'm so glad to be back with you. We are back. Ah Lala, it's been a week, oh my gosh, it's been a week.  01:06 It's been kind of a crazy year so far, hasn't it? It has, I mean, it's just been a little chaotic. I've dealt with a lot of students recently who come to me that want coaching, but before they want to get coaching, they want me to listen to their demos, and so I'll have a quick listen. I mean, I do an actual, I have an actual like process where, if you want half an hour of my time, I'll actually evaluate your demo spot by spot and give you tips. And I like the fact that I offer it as a service because I don't want people to think I'm just here to sell them demos.  01:42 Yeah, of course, but I listen to a lot of demos that are self-produced and demos that have no production under them, and then demos that have a lot of production under them. And you know, I know it's a topic that you know we tend to talk about quite a bit, all about demos. But demos are just so darn important because it really is the product by which you get hired a lot of times. I mean, in addition to auditions, of course, you know, because the client always wants to hear you know your voice with their brand, but really to get your foot in the door. In a lot of places, that demo that showcases what your voice sounds like in the genre in which you want to work is so important. And it's interesting how many times I'll talk to a student who wants to kind of cut the corners on that and they don't have the money. And yet the demos that I'm hearing are not doing them any favors and not getting them any work. Right.  02:39 - Lau (Host) And there's so many tips you and I could like give about the do's and don'ts of demos, but I think it changed, like what's trending now and the faux pas that are happening are happening, that are a little bit newer these days and it's good to talk about and especially.  02:55 - Anne (Host) I like your angle from—I have my angle from the non-broadcast side and I want to hear your angle from the broadcast side. How much are demos being used to cast people? How much do the demos count when you're listening to that in comparison to the auditions? Talk to me about the casting process and how often are demos being used for that? That's a great question. That's a great question.  03:20 - Lau (Host) You know, the anecdote that I come up with is, or the analogy I come up with is, reminds me of college. College was always a necessity for people who are going into white collar careers. Ok, nowadays it's a little bit different.  03:36 - Anne (Host) Do you?  03:37 - Lau (Host) need a college degree to go into many careers. Maybe not, probably not, but when you earn a college degree, oftentimes it says to an employer that you've gone to the highest level of due diligence in your education and that, to me, oftentimes, is what demos represent. Sometimes you literally don't need demos, like literally, we won't be submitting your demo to a client On the most literal basis, I will not be sending your client 98% of the time to our clients, but it shows us that you are a working, professional, high-level industry talent. So there's a screening.  04:13 - Anne (Host) And that you take your career seriously. I think you take your investment seriously.  04:17 - Lau (Host) There's a screening to that it's a portfolio piece, sure. So I would say, yes, you do need it, but no, you do not need it for every single individual job that comes through, because they're going to be demo reads on the scripts.  04:30 - Anne (Host) Now I'm going to counter that, because you are speaking from the broadcast sense of the word. Typically, because you cast a lot for commercials and broadcast style jobs. For non-broadcast, which is a lot of the industry as well, demos can sit on your website and be available 24-7. When you don't have time to audition, and that is the biggest point that I'd like to make is that if you do not have an audition, they sit on your website as a portfolio, as a demonstration of what it is that your voice sounds like, and it can be a way to get your foot in the door.  05:04 If somebody hears that demo and then they're like, oh, I like that voice, and then maybe they want you to audition or it just it allows people to kind of sample the product, sample the product before they decide if they want to hire you, and I think that it's a very valuable piece to have on a website. So if you're a talent that's going to do not I mean I don't know any talent that just does broadcast I mean maybe some it's a very tiny few that just do broadcast, but that doesn't do non-broadcast as well. So I feel like that demo as a portfolio. I remember when you used to go on job interviews and you had to have things in your portfolio.  05:44 I mean, I did when I went on job interviews.  05:46 - Speaker 2 (Announcement) I had a portfolio. I did too, yes.  05:48 - Anne (Host) And this is really your portfolio and I think just like— Totally agree as anything right. Presentation is everything I'm all about. Presentation, yeah, Do you know what I mean? I do? Presentation in marketing, presentation in the way you dress, presentation where you present yourself to people. I think presentation for your product is important and that is your demo.  06:11 - Lau (Host) And thank you for qualifying that, because I was speaking from a commercial mindset and it is great to have it on your website. You really should have those on your website because you're going to get private clients, you're going to get audiobook clients, you're going to get all sorts of potential clients that need to hear samples of your work. In my world, every day I will ask for submissions, commercial demo submissions for the agency but how much we're actually using them in-house once we've accepted you into the agency?  06:43 - Anne (Host) is getting minimal. But you need one to get into the agency. Is that correct? For the most part, yeah, you do.  06:49 - Lau (Host) You do because otherwise we would just have you do random reads which we want to hear produced reads. So it makes sense to absolutely have that commercial demo. But be careful, like and we'll talk about that some of the tips about like what is in that that is working on your behalf and what is working against you.  07:08 - Anne (Host) Yeah, yeah.  07:09 Right, I mean, there, you know I'm going to say, first of all, anything that is not produced right. First of all, I mean we can talk the DIY. I mean the DIY is not typically produced because, again, you need, like, if you're going to put music under it, sound effects, you need a license for that to be, you know, to legally. You know, put something on your website and I feel like, if it's not produced, then it kind of tells people that you're just there in your home studio with a mic and you didn't want to put any sound effects or music under it, and so therefore, it's kind of like a half-finished product to me. Yes, and yes, it showcases your voice, but it also showcases that maybe you could be a hobbyist or that you are not making the investment to create a produced sample, which I think is important because, again, you know, it's everything. I mean the client needs to hear what your voice will sound like in a fully produced spot, I believe that I agree, and you know what I do.  08:06 - Lau (Host) When we're looking at bringing new talent, I typically make a habit of saying who produced your demo?  08:11 Now, a lot of agents won't ask that, but I do because I know the producers and I know who's who. So I'll ask them who produced your demo? That'll tell me one thing and then, well, they certainly have to send me a commercial demo. I find one of the biggest problems out there is they're sending me the wrong demo. They're sending me, say, you know, an animation demo, character demo, which I love because we're doing more animation jobs, but the bread and butter is still the commercial for most of us. And so you have to really target, like who are you sending your portfolio to and who are their clients, what kind of work do they represent? And send them the right demo, send them the most appropriate demo. Don't assume oh, I have four other demos, is that good enough?  08:52 - Anne (Host) Well, yeah, I mean like a corporate demo.  08:55 You're like you need a commercial demo first and foremost because that's where you as an agent make your money right In the broadcast, but non-broadcast but it's not to say that your agent won't hire you for a corporate job.  09:11 It's nice to have that corporate demo. I'm going to say that the rest of the demos outside of your commercial demo or anything that's broadcast like promo or animation, even to have those non-broadcast demos is also equally as important to have on your website and to also deliver to your agent as a secondary demo, because you know they want to see that you can be versatile and you're not just a one-trick pony, uh, sort of deal, and and those demos should be should be produced properly. Basically, I'll tell you, though produced properly just as important to have a produced, even though e-learning I have people that will say to me yeah, but e-learning, you don't typically have music under e-learning. I'm have people that will say to me yeah, but e-learning, you don't typically have music under e-learning. I'm like, look, it's not about that for your demo, it's about the presentation it's about. I would much rather hear your voice in an e-learning module with a little bit of music underneath it because it helps.  09:55 It's like putting lipstick on it's just saying right, it finishes it off, it creates a nice sound and there are a lot of e-learning believe it finishes it off, it creates a nice sound, and there are a lot of e-learning believe it or not modules that do have music under them, even though a lot of them won't.  10:10 - Lau (Host) But I'll tell you what blows me away.  10:11 - Anne (Host) Medical, the same thing. Medical is the same thing. I'll tell you what blows me away, though.  10:16 - Lau (Host) How many talent we have submit to the agency for acceptance that don't have commercial demos.  10:30 - Anne (Host) And.  10:30 - Lau (Host) I say you know, I appreciate you sending me other demos, but where's your commercial demo? And they say oh, I'm saving up for it and I'm planning it next year.  10:33 And I'm like, well, then come back to me then, yeah, yeah, because that's what I need to hear. That's how specific we get in terms of having you understand what a commercial delivery is. We need to know that you understand and that you're making the investment in it as well. I think that that's really, really important. You know, one of the big sort of mistakes that I've heard recently and we've been talking about this forever, but it's been a real problem recently I was involved with a corporate casting just the other day and within the agency now these are the talent that are accepted within the agency I'm getting demo after demo, commercial demo, because they were asking for commercial demos.  11:11 They weren't even asking for reads on the script yet and, as I remembered them, I had to listen to the first like 10 seconds of the demo. They were so hyped, pitchy, selly, like over the top, wild crazy. You know big car sales and I'm thinking to myself Most of the stuff we do is really not that. Yeah. Yeah, it's much more of an earthy delivery, much more of a real delivery, and a lot of them got ditched in terms of not being submitted, just because of that it amazes me that demo producers, I think that you know.  11:45 - Anne (Host) Then you're shopping around for a demo producer. I think your demo producer needs to be current and relevant. And so when you're shopping for a producer for your demo, that you listen to other demos that are produced by them and hopefully you've done your homework beforehand and listen, like if you're going to get a commercial demo, listen to what commercials are out there lately, and not, I mean, even on the radio, right where I think radio is a little bit more dynamic, a little more, you know, focused on the voice, because there's no media outside of music behind it. I feel like you can be a little bit more dynamic with your acting, but even then it's not so high-pitched. And yeah, the car ads, yes, some of them are.  12:28 - Lau (Host) And the sound effects. Like I don't know if talent realized. We don't want to hear tons of sound effects in your first read or two. You want to hear it. So one more thing, annie, I just want to mention. I forgot to mention it earlier. When they're submitting to the agency, if I like them or their demo, I'll say, hey, can you submit me a couple raw reads?  12:46 - Anne (Host) I want totally raw reads and typically they love that you can gauge their studio that way. Absolutely.  12:54 - Lau (Host) And their voice. Like is that their voice? Was anything overly processed or overly?  12:59 - Anne (Host) Yeah, I think that's so important because you don't want to have the demo and that's, I think, that probably a lot of agents, if they don't ask for that, they'll know in a matter of like a couple of auditions whether or not you have the acting chops to be able to back up what you had on your demo or what might've been directed right for you on the demo. And we've talked about that a lot of times, and Cliff Zellman is famous for saying a demo is a promise, a demo is a promise, and so when you submit, a demo to someone.  13:27 you want to make sure that you can back that up, that you can produce that same sort of delivery. Maybe not You're not an audio engineer and you probably don't have a bank of music and you don't have a bed of music or sound effects but you need to be able to put that delivery to the test. Someone just sent me one of my talents.  13:45 - Lau (Host) He's so great. He just sent me a monster demo in honor of Halloween and it was so great and I said his name is Michael.  13:52 I said Michael, I'm just curious how much of this is processed. He said Lau, none of it. This is my voice. I was so impressed by that. I mean, I was like so impressed because once in a while we'll have an animation that comes through Actually more and more so now than last year and they'll look for those kinds of characters, they'll look for those kinds of sound effects, they'll look for that stuff. And just knowing he can produce that without overly being produced in a studio, just his voice is just really incredible. So I would say, put your natural stuff up front for a commercial agency, like, go as natural and real and authentic as you can up front and then do your high-pitchy stuff later in the demo.  14:34 - Anne (Host) Well, do that in a character demo, or do that in an animation demo, or do that or put it towards the end. In a demo that yeah put it in a demo, like you just told. Now see, I don't want, I don't want the bosses to get confused because you just talked about a monster demo, so monster demo is going to be different than a commercial demo.  14:50 Right, I demo. Right, I mean you're talking about, like I mean, a commercial demo. You would want to hear what it sounds like with the music underneath it. However, I think you have to be careful that you don't have something that's way overproduced and there will be some demo producers that might do that and so I think that you have to really listen with a critical ear. If you're you know. If you're shopping around for a demo producer, what do they do? What have they done recently? And sometimes it's hard when you're first starting out in voiceover because you don't know what a good demo sounds like and hopefully you know. If you've done your research on the Internet, you've heard examples of good demos versus maybe not so good demos.  15:34 And I'm like just because a demo exists doesn't mean it's a good one.  15:37 - Lau (Host) No, of course not, and I'm glad you brought that up too, because I have been really annoyed by overproduced sound effects, like, sometimes I feel like the producers, the audio engineers, the demo producers are showing off. And why do I say that? Number one, I don't need to hear a sound effect in every moment, in between words or sentences. I don't want that at all. The other thing I don't want is oh, I almost lost my train of thought.  16:04 - Anne (Host) Don't detract from the voice with the production of it.  16:07 - Lau (Host) Oh, I know what, it is Too long. So the demo producers are either, as you said, they're archaic and they don't know what they're doing and they're from 1962, or they're showing off because it's 90 seconds, it's two minutes, it's 2.15. And I'm like I'm not listening to that.  16:25 - Speaker 2 (Announcement) Who's going?  16:25 - Anne (Host) to listen to that right, but the producers are showing off. That's too long for a commercial demo.  16:31 - Lau (Host) Absolutely Way too long, way too long.  16:33 - Anne (Host) So I'm thinking today Not too long for a non-broadcast narration, though, like a minute and a half to two minutes that's. That's normal, of course not.  16:39 - Lau (Host) No, of course not, and so I would say the one another thing I see is sounding like one long read, the whole thing lacking variety, lacking change Range, and that's to me in the coaching in the direction. It's like understanding. It just can't be about the sound effects. It has to be authentically about the voice actor being able to internally shift the mood and a variety of styles too.  17:05 - Anne (Host) I hear a lot of demos with a lot of like first person dialogues in them and to me that the first person dialogue to me is kind of a kind of a cheat, because if you're going to produce because if you're going to produce somebody before they're really ready, because not every commercial is a first-person dialogue.  17:23 It's not like hey, I just went to John Camp Ford and it's not all a dialogue. There's a lot of more third-person, second-person, and so if your demo is not demonstrating that and me as a casting person, I think you also love that A lot of times demo producers will throw those first person reads in there. Like the whole demo will be a first person read and I'm like, well, that's not really showcasing the entire range of acting that I would need for a national commercial, which is not all. You're not on camera actor there. Typically it's not always first person, it's like you're talking about a pharmaceutical in the third person. So how do you sound in that? So your demo has to have the styles that are out there now and not just one style and that one style right, that first person dialogue may show a lot of characters that you can do and it can show a range of emotion, but it doesn't show your acting in something that's not written in that style.  18:19 - Lau (Host) Good point, yeah, totally good point. And what about what's, as you're saying, what's trending out there now, like I'm really tired of hearing about, you know, maybelline, mascara or Lexus, if I hear another read with some of the same products over and over again or Dove chocolate it's kind of like guys.  18:38 I know that you didn't do those commercials because I recognize the script from the online library that a million people have. So, being very careful, you don't need to have a real job on your demo. You can have studio reads, that's fine, but it has to be updated, thought out in terms of what are the trends of today, like, maybe we don't eat as much chocolate, maybe we're having, you know, sugar-free chocolate, maybe it's, you know, I don't know whatever it is, but what is trending today and what makes you sound relevant to being a working talent today versus something from five or 10 or 15 years ago?  19:16 - Anne (Host) It's so interesting that you were talking about the L'Oreal makeup read, which is, it's always that one sound, that kind of, you know that sexy kind of L'Oreal Maybelline, and so what's interesting is how has that trend changed, right? Has it changed? Are there now more or maybe different brands that are out there that are not using that particular sound? I just because I know you referenced Dove chocolate and so I was just referencing the makeup commercials as well, right, which really took a long time for them to change, and now they're slowly changing Totally.  19:49 Now they're changing, so I don't need to hear that typical read of that promo-y sound. That's right, it's nice to hear something that's different, that is relevant for today, I mean, and you know how I know a change is occurring.  20:04 - Lau (Host) It's what we said in the last podcast that we just recorded. It's about reading your specs. So, for instance, we just got specs in for a corporate audition. For instance, we just got specs in for a corporate audition and in there, as we're reading it as the agents, it says no vocal fry, please. What does that tell me? They don't care about your voice. They could care less about you. It's about that delivery of like hi, I'm talking about finance. Now I'm on a vocal fry. I can't even do it, but I'm on a vocal fry. They don't want that anymore. They want more real people, and more real people do not speak on a vocal fry, yeah.  20:42 - Anne (Host) And more real people. Right, I will say. I will say, more real young people do talk a little bit with upspeak and so that is a trend that we got. I I've been. You know I'm traditionally against that, but again, I'm doing a lot of non-broadcast narration stuff and I feel like, if you can't use upspeak yet, because even even younger people, when I, when I've I've done a lot of research in the corporate world when they're speaking publicly about their product is there's not upspeak, they're more authoritative and that, yeah, it's very interesting because, you know, I'll let it happen once in a while in a script, because if the voice is young, it's a natural occurrence and a natural tendency. But if you're in your 50s and you do upspeak, I'm not, no, it's generational, it's generational.  21:29 We don't tend to do that and you might hang out and you might have kids, you might have kids, you might have kids. That's up speak. And then that kind of affected you. However, when you're delivering a commercial on I don't know, depends Up speak. It just doesn't belong there, it just doesn't. It just doesn't so, it doesn't belong with the demo. So, understand the styles and the trends, and that's something that anybody can do for free by simply watching commercials, by simply surfing the internet and looking at corporate you know, corporate videos and there's any genre looking at animation. I mean really just study and listen to what the voices are.  22:04 - Lau (Host) I got another tip. Yeah, I got another tip about that. Gone are the days where we used to have completely separate demos for English and then another language. Now you can certainly do that and that's great, but you don't have to. If you're making a commercial demo, I love a bilingual demo or a trilingual demo. So if you speak more than one language, I need to know what it is. If you do authentic accents, I need to know what it is.  22:25 - Anne (Host) I'll even put it on a corporate demo or a medical demo because I'll put and what I'll do is maybe I'll do a dialogue spot that has you'll be talking to the younger son in English, but then you'll turn to the father, who doesn't speak English and only speak Spanish, and then have the rest of the conversation in Spanish, and that spot alone showcases that this talent is bilingual and so that works. So not just for commercial but also for non-broadcast, absolutely.  22:53 - Lau (Host) Yeah, and we're in a global world, so I know you know that ad campaign. Thank you, captain Obvious. You know that was at Travelocity or something, kayak or something. I feel like it's this one. I talk to talent. It's like Not only put your best suit forward, and forward first, but do the things that you would be cast in Like. Don't do stretch pieces, don't do like if I'm 35, don't try to do a 70-year-old piece.  23:22 - Anne (Host) Don't do that. I'm saying if you're like in your 50s, don't do a millennial read on your commercial demo.  23:29 Because, first of all, it doesn't fit. I think we were talking about this on the last podcast. It's like I don't audition for 20-something voices, even though I have a younger voice, because it's not just about the voice and the sound of it, it's about the style and it's about the authenticity of it as well. Right, which is we understand why we want authentic voices. Right, it makes sense that your life experience dictates the style and the tone and the gravitas and the subtext and the acting that goes into delivering a message.  24:01 - Lau (Host) Save it for your character demo if it's appropriate, yeah, and your coach will help you to see. If it's appropriate, put it on your character demo, right, because we're back to having adults doing kids' voices. Now for character work we are. So you know you got to keep your finger on the trends, keep your finger on the pulse of what's happening in the industry and what's going on and reflect the work that you would actually do and be cast in.  24:25 - Anne (Host) Adults doing kids' work is. There's a lot of times that tends to make it easier with the legal aspects of things. Is that not correct? Yeah?  24:34 - Speaker 2 (Announcement) It does.  24:34 - Anne (Host) So, like an adult, can work longer, can work different hours, and that also translates to on-camera as well, right Lau? Yeah, though I'll tell you we don't have as many problems in the voiceover world because the jobs tend to be quicker.  24:46 - Lau (Host) Oh, yeah, unless they're running a recurring character. They tend to be quicker.  24:58 - Anne (Host) It's more the on-camera stuff. Yeah, right, that's much harder, so we'll do 18 to play 12 or 19 to play 14, because of all the laws involved with education. Well, that's the way it's been for such a long time, right, yeah, forever, forever and ever, yeah, forever. And on camera, absolutely.  25:05 - Lau (Host) But, as you said, like you do your due diligence, you do your homework. We have to do our homework too, all the time about our industry, what's cooking, what's happening, what are the jobs in the genre we want to be going out for, and that should be reflected on your demo, not the old read from you know, the old announcer read from 1991. Right and I'm getting.  25:30 - Anne (Host) Yeah, absolutely. I mean, in addition to all that right, what should be on the demo? I just have an increasing number of people who are like, well, I can't afford my demo but or I can't afford, well, I can't afford the training, but I want to get a demo so I can start working. So it's kind of like what came first, the chicken or the egg. It it's tough because you really need the training so that you can execute and deliver the spots on your demo. That will get you the work. And so if I'm a demo producer, that's just going to direct you into those reads. By the time you get into your own studio you're not going to be able to recreate them.  26:08 - Lau (Host) And we've covered this in numerous episodes of VO Boss in that like don't come in with desperation, don't come in with no capital, don't come in at a deficit. Come in where you've got a little bit of abundance and say I want to get the most effective portfolio product that represents me, because I know I'm going to get a return on this over time if it is industry standard and represents me well, if I DIY it, you get what you pay for.  26:35 - Anne (Host) Yeah, exactly, and you know, I do have a number of students as well who say that I'm saving up for a demo, but I want to start working and so I want to get an agent. And what most people don't understand this is slightly off topic but kind of in a parallel path Most people that come into this industry not understanding that an agent primarily deals in broadcast. So you can have an e-learning demo, but you're not going to get an agent with that. You need to have a commercial demo or whatever the agent specializes in for the most part, any type of broadcast. So you can't just you have to have a great demo, a great commercial demo, to land an agent, and then, once you have an agent, that's not going to be 100% of your work, or nor should it be 100% of your work.  27:18 And so most people are like well, I'm going to direct market and I'm like, do you know how hard it is to direct market? And I'm not saying that you should, because most people right now are saying nay to the pay to plays, right, because it's like, oh, I don't like this pay to play. I feel like they're taking my money, it's hard, I can't get a job, but also you need to, you need to present yourself with opportunities and so, yes, direct marketing is great, but that's also, that is also a path that doesn't happen overnight. Direct marketing. It is very much a timing issue with direct marketing and it's going to be.  27:48 It's a marathon, not a sprint, and that can make people kind of put off and you know they're going to be frustrated, they're not going to be able to get work right away, and that's, I think, that cycle that most new people coming into the industry they go through. They have that cycle where they can't afford, like they have that illusion in their head that it's just talking behind a mic and it doesn't require a lot of work and so therefore, they can create their own demo so they can save some money and then they can start getting work right away. And unfortunately, that's just not how typically the industry works.  28:24 - Lau (Host) No, it's not.  28:24 They're going to have to adjust and really manage those unrealistic expectations those unrealistic expectations, because I'm quite certain that many, many students around the world who are going into programs to be an accountant, a doctor, a lawyer, are not coming in with tremendous amounts of money, but they have to be resourceful to figure out how to get their education so that they can train and get an internship and work their way up. And it's the same with us. We're just on a tighter timeline. We don't need to go through four years of school or eight years of college necessarily, and that's a great point.  28:56 It's a great point Most people.  28:58 - Anne (Host) they think there's no time involved. So it's like that's right, but there is some time involved. I mean, there is some training involved. But yeah, I think what a great discussion Again. Yet another discussion on demos. What a great discussion again, yet another discussion on demos. But, guys, hopefully it's one that's current and relevant now for you, those of you out there that are really thinking about getting into this career just reiterating how important your demo is in order to help you to move forward and have a career and get work broadcast, non-broadcast, whatever genre.  29:30 - Lau (Host) Yes, yes.  29:32 - Anne (Host) Fantastic. Thank you, Lau, for having this lovely conversation. I loved it. I'm going to give a great big shout out to our sponsor, ipdtl. You too can network and be like bosses and boss superpowers like Lau and myself. Find out more at IPDTLcom. Guys, have an amazing week and we'll see you next week. Bye, see you next week.  29:54 - Speaker 2 (Announcement) Join us next week for another edition of VO Boss with your host, Anne Ganguzza, and take your business to the next level. Sign up for our mailing list at VOBosscom and receive exclusive content, industry revolutionizing tips and strategies and new ways to rock your business like a boss. Redistribution, with permission. Coast-to-coast connectivity via IPD TL.   

This episode focuses on how to break free from whatever has been holding you back and step into what God has prepared for you. Through faith-driven encouragement and practical insight, it offers simple ways to move forward with confidence. It's a brief but powerful push to help you keep going, trusting that God is guiding every step.

Episode 215 of The Hitstreak, a podcast where we talk about anything and everything!  This week we are joined by Chiropractor, Podcast Host, Speaker, and Transformation Coach, Dr. Justin Moseley!Episode in a Glance:In this episode of The Hitstreak, I get to talk with Dr. Justin Mosley, for his 3rd appearance on the show, and discuss the evolution of chiropractic care, the importance of understanding the nervous system, and the impact of public speaking. We explore the journey of building a successful practice while also focusing on personal branding and the power of storytelling. Justin shares insights from his TED talks, emphasizing the significance of overcoming fears and the importance of regular adjustments for overall health. Our conversation highlights the need for effective marketing in the chiropractic field and the future of healthcare.Key Points:- Surround yourself with the right people to scale your business.- Chiropractic care can significantly impact overall health and wellness.- Understanding the nervous system is crucial for effective chiropractic treatment.- Regular adjustments can lead to long-term health benefits.- Public speaking can be a powerful tool for sharing your message.- Overcoming fear is key to unlocking opportunities in life.- Personal branding is important for health professionals.- The evolution of chiropractic care reflects changing perceptions in health.- Building a business that operates independently of the owner is a significant challenge. About our guest: Dr. Justin Moseley, known as “The Mindset Doctor,” is a former chiropractor turned International Speaker and Transformation Coach. He co-founded Music City Health Center, one of the largest natural health clinics in Tennessee, where he and his wife focused on helping families heal naturally through chiropractic care. After a near-death accident in 2018, Dr. Moseley shifted his mission from changing lives in the clinic to transforming lives from the stage. Now a TEDx speaker and host of the Power of Mindset Summit and Comfort to Calling Summit, he has been featured on ABC, CBS, NBC, and FOX, and his message has reached hundreds of thousands worldwide. As a leading expert in personal transformation, he empowers audiences to overcome self-doubt, step into their true power, and “Exchange Your Comfort for Your Calling” — his signature keynote message.Follow and contact:Instagram: @drjustinmoseley | @musiccityhealthcenterdrjustinmoseley.com | musiccityhealthcenter.com**Once the goal of 2.5 million members is met, 1,000 limited-edition T-shirts and the unreleased song will be sent, along with the first 1,000 full dental care awards!**Subscribe to Nick's top-rated podcast The Hitstreak on Youtube: ⁠https://www.youtube.com/NickHite⁠rFollow and Rate us on Spotify: ⁠https://spotify.com/NickHiter⁠Follow and Rate us on Apple Podcast: ⁠https://podcasts.apple.com/NickHiter⁠Follow and Rate us on iHeartRadio: ⁠https://www.iheart.com/NickHiter

In this episode of The Winston Marshall Show, I sit down with Bob of Speakers' Corner, one of Britain's most recognisable street preachers and Christian debaters, for a provocative conversation about faith, free speech, and the future of Britain's identity.Bob recounts how a Muslim once tried to convert him to Islam, an encounter that instead led him to Christianity and set him on a mission to defend the faith at London's Hyde Park, one of the last true bastions of free speech in the UK. He discusses the rise of Islamist intimidation at Speakers' Corner, from stabbings and arson attacks to police indifference and media silence, and why he believes Britain is now a post-free speech country.We explore Bob's vision of a Christian nation, his critique of liberal secularism, and his warning against both Islamism and ethno-nationalism, which he sees as twin dangers to the soul of Britain. He argues that only a return to Judeo-Christian values, the foundation of British law and morality, can rescue the country from cultural decay.-----------------------------------------------------------------------------------------------------------------------To see the extended and ad free interview click here: https://open.substack.com/pub/winstonmarshall/p/confronting-islam-and-reviving-britains?r=18lfab&utm_campaign=post&utm_medium=web&showWelcomeOnShare=true-----------------------------------------------------------------------------------------------------------------------FOLLOW ME ON SOCIAL MEDIA:Substack: https://www.winstonmarshall.co.uk/X: https://twitter.com/mrwinmarshallInsta: https://www.instagram.com/winstonmarshallLinktree: https://linktr.ee/winstonmarshall----------------------------------------------------------------------------------------------------------------------Chapters 00:00 Introduction 01:31 Bob of Speakers' Corner03:39 What is Speakers' Corner06:23 Challenges and Motives at Speakers' Corner 13:21 Bob's Conversion and Evangelism18:10 Christian Nationalism and Free Speech25:07 The Role of Christianity in Politics36:18 The Patriot Movement and Christianity50:38 The Importance of Judeo-Christian Tradition52:54 Final Thoughts Hosted on Acast. See acast.com/privacy for more information.

Allen and Yolanda discuss Statkraft’s workforce cuts and sale of its Swedish offshore wind projects. They also cover ORE Catapult’s partnership with Bladena to conduct torsional testing on an 88-meter blade, and the upcoming Wind Energy O&M Australia conference. Register for ORE Catapult’s Offshore Wind Supply Chain Spotlight event! Visit CICNDT to learn more! Sign up now for Uptime Tech News, our weekly email update on all things wind technology. This episode is sponsored by Weather Guard Lightning Tech. Learn more about Weather Guard’s StrikeTape Wind Turbine LPS retrofit. Follow the show on Facebook, YouTube, Twitter, Linkedin and visit Weather Guard on the web. And subscribe to Rosemary Barnes’ YouTube channel here. Have a question we can answer on the show? Email us! You are listening to the Uptime Wind Energy Podcast brought to you by build turbines.com. Learn, train, and be a part of the Clean Energy Revolution. Visit build turbines.com today. Now here’s your hosts, Alan Hall, Joel Saxon, Phil Totaro, and Rosemary Barnes. Allen Hall: Welcome to the Uptime Wind Energy Podcast. I’m your host, Allen Hall in the Queen city of Charlotte, North Carolina. I have Yolanda Padron in of all places, Austin, Texas. We’re together to talk to this week’s news and there’s a lot going on, but before we do, I want to highlight that Joel Saxon and I will be in Edinburgh, Scotland for the re Catapult UK offshore supply chain spotlight. That’s on December 11th, which is a Thursday. We’re gonna attend that event. We’re excited to meet with everybody. Over in the UK and in Scotland. Um, a lot of people that we know and have been on the podcast over a number of years [00:01:00] are gonna be at that event. If you’re interested in attending the OE Catapult UK Offshore Supply Chain spotlight, just Google it. It’s really inexpensive to attend, and I hope to see most of you there, Yolanda. There’s some big news over in Scandinavia today, uh, as, as we’re reading these stories, uh, the Norwegian State owned Utility Stack Craft, and it’s also one of Europe’s largest renewable energy companies. As, uh, as we know, I’ve been spending a lot of money in new markets and new technologies. Uh, they are in electric vehicle charging biofuels and some offshore wind development. Off the eastern coast of Sweden. So between Finland and Sweden, they’re also involved in district heating. So Stack Craft’s a really large company with a broad scope, uh, but they’re running into a little bit of financial difficulty. And this past July, they announced some [00:02:00] workforce reductions, and those are starting to kick in. They have 168 fewer employees, uh, by the end of this third quarter. 330 more expected to leave by the end of the year when all the dive are complete. This is the worrisome part. Roughly 1000 people will longer work for the company. Now, as part of the restructuring of Stack Craft, they are going to or have sold their offshore portfolio to Zephyr Renewable. Which is another Norwegian company. So Stack Craft is the Norwegian state owned renewable energy company. Zephyr is an independent company, far as I can tell my recollection that’s the case. So they agreed to acquire the bot, the uh, offshore Sigma and Lambda North projects, which makes Zephyr the largest offshore wind developer. Sweden, not Norway, [00:03:00] in Sweden. Obviously there’s some regulatory approvals that need to happen to make this go, but it does seem like Norway still is heavily involved in Sweden. Yolanda, with all the movement in offshore wind, we’re seeing big state owned companies. Pulling themselves out of offshore wind and looks like sort of free market, capitalistic companies are going head first into offshore wind. How does that change the landscape and what should we be expecting here over the next year or two? Yolanda Padron: We, we’ve seen a large reduction in the, the workforce in offshore wind in all of these state owned companies that you mentioned. Uh, something that I think will be really interesting to see will be that different approach. Of, you know, having these companies be a bit more like traditional corporations that you see, not necessarily having them, [00:04:00] um, be so tied to whatever politically is happening in the government at the moment, or whatever is happening between governments at a time, um, and seeing exactly what value. The different aspects of a company are bringing into what that company is making into, um, what, uh, the revenue of that company is, and not just kind of what is, what is considered to be the best way forward by governments. Do you agree? Is that something that you’re sensing too? Allen Hall: The COP 30 just wrapped down in the rainforest of Brazil, and there has not been a lot of agreement news coming out of that summit. Uh, I think next year it’s gonna move to Turkey, but Australia’s involved heavily. It was supposed to be in Adelaide at one point and then it’s moved to Turkey. [00:05:00] So there doesn’t seem to be a lot of consensus globally about what should be happening for renewables, and it feels like. The state owned companies are, uh, getting heavily leveraged and losing money trying to get their footing back underneath of them, so they’re gonna have to divest of something to get back to the core of what they were doing. That’s an interesting development because I think one of the question marks regarding sort of these state owned companies was how fast were they willing to develop the technology? How much risk were they willing to take? Being backed by governments gets a little political at times, right? So they, they want to have a, a steady stream of revenue coming from these operations. And when they don’t, the politicians step in and, uh, lean on the company is a good bit. Does the move to more, uh, standalone companies that are investing sort of venture capital money and bank money taking loans? I assume most of this [00:06:00] does that. Change how the offshore industry looks at itself. One and two, what the OEMs are thinking. Because if they were going to sell to an TED or an Ecuador, or a stack raft or vattenfall, any of them, uh, you know, when you’re going to that sales discussion that they’re backed by billions and billions and billions of, of kroner or whatever the, the currency is. So you may not have to. Really be aggressive on pricing. Now you’re dealing with companies that are heavily leveraged and don’t have that banking of a government. Do you think there’s gonna be a tightening of what that marketplace looks like or more pressure to go look towards China for offshore wind turbines? Yolanda Padron: It’ll definitely get a bit more audited internally, exactly what decisions are made and and how objective teams are. I think that there’s. [00:07:00] In all of the companies that you mentioned, there’s some semblance of things that maybe happened because of what was going on politically or, or because of ties that certain governments had to each other, or certain governments had to specific corporations, um, which was a, a great way for those companies to operate at the time and what was, what made sense. But now that it’s. A third party who genuinely, you know, needs that cash flow in from that business or that part of the business, it’ll, I think you’ll definitely start seeing some, some greater efficiencies going on within Allen Hall: these teams. Well, I would hope so. If you think about the way the United States moved pre, uh, the current administration. There were a number of US based companies sort of going 50 50 on a lot of the [00:08:00] offshore development, and then they slowly started backing away. The only one that’s still really in it is Dominion, was the coastal offshore, um, coastal Virginia offshore wind project that is still progressing at a good pace. But, uh, everybody else that was involved in, and they’re not the same kind of structure as an Ecuador is. They’re not, uh, there’s kinda state-owned entities in the United States and states can’t have deficits, unlike nations can. So the US deficit obviously is massively large, but state deficits don’t really exist. So those electric companies can’t get highly leveraged where they’re gonna bleed cash. It’s just not a thing. It’s gonna happen. So I think I saw the precursors to some of this offshore turbulence happening in the United States as the. They didn’t see a lot of profit coming from the state electric companies. That seems to be flowing into Europe now pretty heavily. That started about six months [00:09:00] ago. How are they gonna structure some of these offshore projects now? Are they just gonna put them on hold and wait for interest rates to come down so that the margins go up? Is is that really the play? Is that you have the plot of land? You already have all the, the filings and the paperwork and authorization to do a project at some point, is it just now a matter of waiting where the time is? Right. Financially, Yolanda Padron: that question will be answered by each specific company and see what, what makes sense to them. I don’t think that it makes sense to stall projects that if you already have the permits in, if you already have everything in, and just to, to see when the time is right, because. Everything’s been ramping up to that moment, right? Like, uh, the water’s always already flowing. Um, but it, it’ll, it’ll definitely be interesting to see what approach, like where, where each company finds themselves. I, they’ll have to rely on [00:10:00] what information has come out in the past and maybe try to analyze it, try to see exactly where things went wrong, or try to pinpoint what. Decisions to not make. Again, knowing what they know now, but with everything already flowing and everything already in queue, it’ll have to be something that’s done sooner rather than later to not lose any of that momentum of the projects because they’re not reinventing the wheel. Allen Hall: Siemens is developing what a 20 odd megawatt, offshore turbine? 22 megawatt, if I remember right. 21, 22. Something in there. Obviously Ming Yang and some others are talking about upwards of 15 megawatts in the turbine. If you have a lot of capital at risk and not a lot of government backing in it, are you going to step down and stay in the 15 megawatt range offshore because there’s some little bit of history, or are you gonna just roll the dice? Some new technology knowing that you can get the, the dollar per megawatt [00:11:00] down. If you bought a Chinese wind turbine, put it in the water. Do you roll that? Do you roll that dice and take the risk? Or is the safer bet and maybe the financing bet gonna play out easier by using a Vestus 15 megawatt turbine or a Siemens older offshore turbine that has a track record with it. Yolanda Padron: I think initially it’ll have to be. Using what’s already been established and kind of the devil, you know? Right. I, I think it’ll, there’s a lot of companies that are coming together and, and using what’s done in the field and what operational information they have to be able to, to. Take that information and to create new studies that could be done on these new blades, on these new technologies, uh, to be able to take that next step into innovation without compromising any [00:12:00] of the, of the money, any of the aspects really like lowering your risk Allen Hall: portfolio. Yeah. ’cause the risk goes all the way down to the OEMs, right. If the developer fails and the OEM doesn’t get paid. It, it’s a. Catastrophic down the chain event that Siemens investors are looking to avoid, obviously. So they’re gonna be also looking at the financing of these companies to decide whether they’re going to sell them turbines and. The question comes up is how much are they gonna ask for a deposit before they will deliver the first turbine? It may be most of the money up front. Uh, it generally is, unless you’re a big developer. So this is gonna be an interesting, uh, turning point for the offshore wind industry. And I know in 2026 we’re gonna see a lot more news about it, and probably some names we haven’t heard of in a while. Coming back into offshore wind. Don’t miss the UK Offshore Wind Supply Chain Spotlight 2025 in Edinburg on December 11th. Over 550 delegates and 100 exhibitors will be at this game changing event. [00:13:00] Connect with decision makers, explore market ready innovations and secure the partnerships to accelerate your growth. Register now and take your place at the center of the UK’s offshore Wind future. Just visit supply chain spotlight.co.uk and register today. Well, as we all know, the offshore wind industry has sort of a problem, which is now starting to come more prevalent, which is the first generation of offshore wind turbines that prove that the technology could work at scale or getting old. We’re also developing a lot of new wind turbines, so the blade links are getting much longer. We don’t have a lot of design history on them. Decommissioning is expensive. Of course, anything offshore is expensive. What if we can make those blades last longer offshore, how would we do that? Well, that question has come up a number of times at many of the, the conferences that I have attended, and it looks like ORI Catapult, which is based in the UK and has their test center [00:14:00] in Blythe, England, is working with Blade Dina, which is a Danish engineering company that’s now owned by Res. So if you haven’t. Seeing anything from Blade Dina, you’re not paying attention. You should go to the website and check them out. Uh, they have all kinds of great little technology and I call it little technology, but innovative technology to make blades last longer. So some really cool things from the group of Blade Dina, but they’re gonna be working with re catapult to test an 88 meter blade for torsion. And I’m an electrical engineer. I’m gonna admit it up front, Yolanda. I don’t know a lot about torsional testing. I’ve seen it done a little bit on aircraft wings, but I haven’t seen it done on wind turbine blades. And my understanding, talking to a lot of blade experts like yourself is when you start to twist a blade, it’s not that easy to simulate the loads of wind loads that would happen normally on a turbine in the laboratory. Yolanda Padron: Absolutely. I think this is going to be so [00:15:00] exciting as someone in operations, traditionally in operations, uh, because I think a lot of the, the technology that we’ve seen so far and the development of a lot of these wind projects has been from teams that are very theory based. And so they’ve, they’ve seen what simulations can be done on a computer, and those are great and those are perfect, but. As everyone knows, the world is a crazy place. And so there’s so many factors that you might not even think to consider before going into operations and operating this, uh, wind farm for 10, 20 years. And so something that Blade Dina is doing is bringing a lot of that operational information and seeing, like applying that to the blade testing to be able to, to get us to. The next step of being able to innovate while knowing a little bit [00:16:00]more of what exactly you’re putting on there and not taking as big a risk. Allen Hall: Does the lack of torsional testing increase the risk? Because if you listen to, uh, a, a lot of blade structure people, one of the things that’s discussed, and Blaina has been working on this for a couple of years, I went back. Two or three years to see what some of the discussions were. They’ve been working with DTU for quite a while, but Dina has, uh, but they think that some of the aging issues are really related to torsion, not to flap wise or edgewise movement of the blade, if that’s the case, particularly on longer blades, newer blades, where they’re lighter. If that’s the case, is there momentum in the industry to create a standard on how to. Do this testing because I, I know it’s gonna be difficult. I, I can imagine all the people from Blaina that are working on it, and if you’ve met the Blaina folk, there [00:17:00] are pretty bright people and they’ve been working with DTU for a number of years. Everybody in this is super smart. But when you try to get something into an IEC standard, you try to simplify where it can be repeatable. Is this. Uh, is it even possible to get a repeatable torsion test or is it gonna be very specific to the blade type and, or it is just gonna be thousands of hours of engineering even to get to a torsion test? Yolanda Padron: I think right now it’ll be the thousands of hours of engineering that we’re seeing, which isn’t great, but hopefully soon there, there could be some sort of. A way to, to get all of these teams together and to create a bit of a more robust standard. Of course, these standards aren’t always perfect. We’ve seen that in, in other aspects such as lightning, but it at least gets you a starting point to, to be able to, to have everyone being compliance with, with a similar [00:18:00] testing parameters. Allen Hall: When I was at DTU, oh boy, it’s probably been a year and a half, maybe two years ago. Yikes. A lot has happened. We were able to look at, uh, blades that had come off the first offshore wind project off the coast of Denmark. These blades were built like a tank. They could live another 20, 30 years. I think they had been on in the water for 20 plus years. If I remember correctly. I was just dumbfounded by it, like, wow. That’s a long time for a piece of fiberglass to, to be out in such a harsh environment. And when they started to structurally test it to see how much life it had left in it, it was, this thing could last a lot longer. We could keep these blades turned a lot longer. Is that a good design philosophy though? Are should we be doing torsional testing to extend the lifetime to. 40, 50 years because I’m concerned now that the, well, the reality is you like to have everything fall apart at once. The gearbox to fail, the generator to fail, the [00:19:00] blades, to fail, the tower, to fail all of it at the same time. That’s your like ideal engineering design. And Rosemary always says the same thing, like you want everything to fall apart and the same day. 25 years out because at 25 years out, there’s probably a new turbine design that’s gonna be so much massively better. It makes sense to do it. 20 years is a long time. Does it make sense to be doing torsional testing to extend the lifetime of these blades past like the 20 year lifespan? Or is, or, or is the economics of it such like, if we can make these turbines in 50 years, we’re gonna do it regardless of what the bearings will hold. Yolanda Padron: From, from speaking to different people in the field, there’s a lot of appetite to try to extend the, the blade lifetime as long as the permits are. So if it’s a 50 year permit to try to get it to those 50 years as much as possible, so you don’t have to do a lot of that paperwork and a lot of the, if you have to do [00:20:00] anything related to the mono piles, it’s a bit of a nightmare. Uh, and just trying to, to see that, and of course. I agree that in a perfect world, everything would fail at once, but it doesn’t. Right? And so there you are seeing in the lifetime maybe you have to do a gearbox replacement here and there. And so, and having the, the blades not be the main issue or not having blades in the water and pieces as long as possible or in those 50 years, then you can also tackle some of the other long-term solutions to see if you, if you can have that wind farm. For those 50 years or if you are going to have to sort of either replace some of the turbines or, or eat up some of that time left over in the permit that you have. Allen Hall: Yeah, because I think the industry is moving that way to test gear boxes and to test bearings. RD test systems has made a number of advancements and test beds to do just that, to, [00:21:00] to test these 15, 20, 25 megawatt turbines for lifetime, which we haven’t done. As much of this probably the industry should have. It does seem like we’re trying to get all the components through some sort of life testing, whatever that is, but we haven’t really understood what life testing means, particularly with blades. Right? So the, the issue of torsion, which is popped its head up probably every six months. There’s a question about should we be testing for torsion that. Is in line with bearing testing that’s in line with gearbox testing. If we are able to do that, where we spend a little more money on the development side and the durability side, that would dramatically lower the cost of operations, right? Yolanda Padron: Absolutely. It, it’d lower the cost of operations. It would lower the ask. Now that. A lot of these companies are transition, are [00:22:00]transitioning to be a bit more privatized. It’ll lower the risk long term for, for getting some of those financial loans out, for these projects to actually take place. And, you know, you’ll, you’re having a, a site last 50 years, you’re going to go through different cycles. Different political cycles. So you won’t have that, um, you won’t have that to, to factor in too much, into, into your risk of whether, whether or not you, you have a permit today and don’t have it tomorrow. Allen Hall: It does bring the industry to a interesting, uh, crossroads if we can put a little more money into the blades to make them last 25 years. Pretty regularly like the, the, you’re almost guaranteeing it because of the technology that bleeding that’s gonna develop with Ory Catapult and you get the gearbox and you can get the generator and bearings all to do the same thing. [00:23:00] Are you willing to pay a little bit more for that turbine? Because I think in today’s world or last year’s world, the answer was no. I wanted the cheapest blade. I wanted the cheapest, uh, to sell. I could get, I wanna put ’em on a tower, I’m gonna call it done. And then at least in the United States, like repower, it’s boom, 10 years it’s gonna repower. So I don’t care about year 20. I don’t even care about year 11, honestly, that those days have are gone for a little while, at least. Do you think that there’s appetite for say, a 10% price increase? Maybe a 15% say 20. Let’s just go crazy and say it’s a 20% price increase to then know, hey, we have some lifecycle testing. We’re really confident in the durability these turbines is. There’s a trade off there somewhere there, right? Yolanda Padron: Yeah. I mean, spending 10, 20% of CapEx to it, it. Will, if you can dramatically increase [00:24:00] the, the lifetime of the blades and not just from the initial 10 years, making them 20 years like we’re talking about, but some of these blades are failing before they hit that 10 year mark because of that lack of testing, right. That we’ve seen, we’ve talked to so many people about, and it’s an unfortunate reality. But it is a reality, right? And so it is something that if you’re, you’re either losing money just from having to do a lot of repairs or replacements, or you’re losing money from all of the downtime and not having that generation until you can get those blade repairs or replacements. So in spending a little bit more upfront, I, I feel like there should be. Great appetite from a lot of these companies to, to spend that money and not have to worry about that in the long term. Allen Hall: Yeah, I think the 20 26, 27, Joel would always say it’s 2027, but let’s just say 2027. If you have an [00:25:00] opportunity to buy a really hard and vested turbine or a new ing y, twin headed dragon and turbine, whatever, they’re gonna call this thing. I think they’re gonna stick to the European turbine. I really do. I think the lifetime matters here. And having security in the testing to show that it’s gonna live that long will make all the little difference to the insurance market, to the finance market. And they’re gonna force, uh, the developers’ hands that’s coming, Yolanda Padron: you know, developing of a project. Of course, we see so many projects and operations and everything. Um, but developing a project does take years to happen. So if you’re developing a project and you think, you know, this is great because I can have this project be developed and it will take me and it’ll be alive for a really long time and it’ll be great and I’ll, I’ll be able to, to see that it’s a different, it’s a different business case too, of how much money you’re going to bring into the [00:26:00]company by generating a lot more and a lot more time and having to spend less upfront in all of the permitting. Because if instead of having to develop two projects, I can just develop one and it’ll last as long as two projects, then. Do you really have your business case made for you? Especially if it’s just a 10 to 20% increase instead of a doubling of all of the costs and effort. Speaker 4: Australia’s wind farms are growing fast, but are your operations keeping up? Join us February 17th and 18th at Melbourne’s Poolman on the park for Wind Energy o and M Australia 2026, where you’ll connect with the experts solving real problems in maintenance asset management. And OEM relations. Walk away with practical strategies to cut costs and boost uptime that you can use the moment you’re back on site. Register now at W om a 2020 six.com. Wind Energy, o and m Australia is created [00:27:00] by Wind professionals for wind professionals. Because this industry needs solutions, not speeches, Allen Hall: I know Yolanda and I are preparing to go to Woma Wind Energy, o and m Australia, 2026 in February. Everybody’s getting their tickets and their plans made. If you haven’t done that, you need to go onto the website, woma WMA 2020 six.com and register to attend the event. There’s a, there’s only 250 tickets, Yolanda, that’s not a lot. We sold out last year. I think it’s gonna be hard to get a ticket here pretty soon. You want to be there because we’re gonna be talking about everything operations and trying to make turbines in Australia last longer with less cost. And Australians are very, um, adept at making things work. I’ve seen some of their magic up close. It’s quite impressive. Uh, so I’m gonna learn a lot this year. What are you looking forward to at Wilma 26? Yolanda. [00:28:00] Yolanda Padron: I think it’s going to be so exciting to have such a, a relatively small group compared to the different conferences, but even just the fact that it’s everybody talking to each other who’s seen so many different modes of failure and so many different environments, and just everybody coming together to talk solutions or to even just establish relationships for when that problem inevitably arises without having it. Having, I mean, something that I always have so much anxiety about whenever I go to conferences is just like getting bombarded by salespeople all the time, and so this is just going to be great Asset managers, engineers, having everybody in there and having everybody talking the same language and learning from each other, which will be very valuable. At least for me. Allen Hall: It’s always sharing. That’s what I enjoy. And it’s not even necessarily during some of the presentations and the round tables and the, [00:29:00] the panels as much as when you’re having coffee out in the break area or you’re going to dinner at night, or uh, meeting before everything starts in the morning. You just get to learn so much about the wind industry and where people are struggling, where they’re succeeding, how they dealt with some of these problems. That’s the way the industry gets stronger. We can’t all remain in our little foxholes, not looking upside, afraid to poke our head up and look around a little bit. We, we have to be talking to one another and understanding how others have attacked the same problem. And I always feel like once we do that, life gets a lot easier. I don’t know why we’re make it so hard and wind other industries like to talk to one another. We seem somehow close ourselves off. And uh, the one thing I’ve learned in Melbourne last year was. Australians are willing to describe how they have fixed these problems. And I’m just like dumbfounded. Like, wow, that was brilliant. You didn’t get to to Europe and talk about what’s going on [00:30:00] there. So the exchange of information is wonderful, and I know Yolanda, you’re gonna have a great time and so are everybody listening to this podcast. Go to Woma, WOMA 2020 six.com and register. It’s not that much money, but it is a great time and a wonderful learning experience. That wraps up another episode of the Uptime Wind Energy Podcast. And if today’s discussion sparked any questions or ideas, we’d love to hear from you. Reach out to us on LinkedIn and don’t for, and don’t forget to subscribe so you never miss an episode. And if you found value in today’s conversation, please leave us a review. It really helps other wind energy professionals discover the show and we’ll catch you on the next episode of the Uptime Wind Energy Podcast. This time next [00:31:00] week.

2 REAL CRYPTID LEGENDS Podcast - Date: December 1st, 2025 EP: 003 TOPIC: A deeper discussion about Darrell's Dogman Encounter in The Land Between The Lakes. Ron will give his insight and knowledge on the topic. Michelle Desrochers, UPRN Producer, Manager Host, serves as The Moderator Host for The Guys. -.Please have your questions and comments ready. We shall see you in our various chatrooms. About Ron and Darrell : Ron Morehead: Ron Morehead has been known for decades for his world-wide research into the Bigfoot/Sasquatch phenomenon. He is an author, researcher, lecturer, experiencer, and producer of the Sierra Sounds. To date, he comes closer than any other researcher to having a complete body of evidence. The Sierra Sounds are the only Bigfoot recordings that have been scientifically studied, time-tested, and accredited as genuine. Ron has documented his personal interactions with these giant beings and produced his story on a CD and also in a book, “Voices in the Wilderness.” In order to try and understand the enigmas associated with these giants, he began to delve into Quantum Physics for the scientific answers that he and his hunting friends experienced, and as a result he wrote another thought-provoking book,” TheQuantum Bigfoot.” Ron now resides with his partner, Keri, in North Carolina, but has traveled from Alaska to Patagonia and from North America to Siberia in search of the truth to how these beings are able to stay so hidden from Classical science. Besides being the keynote Speaker at many conventions, he has been featured on countless radio programs and TV documentaries such as the Learning Channel and Travel Channel. WEBSITE: http://www.ronmorehead.com/ Darrell Denton: Darrell Denton is known by many as the “Tennessee Bigfoot Man.” He had his first terrifying encounter while Deer hunting in November, 1992, which changed his life forever. He had his 2nd encounter in 1999, while fishing, and that family of Forest People became his friends. He has had many encounters since with these Creatures and with the Dogman. He mainly researches in the Land Between the Lakes area now with his team -( Martin Groves, Barton Nunnelly and now Ron Morehead). He is the founder of the Facebook group Bigfoot Believers and Other Creatures. He has been a guest on many Podcasts, Radio shows, Documentaries, as well as a Speaker at many Conferences. He is currently writing his first book. “ I want to thank all my many friends and colleagues in this community we share and my awesome lady Rosie McCoy

Mike Gomez of U-Turn for Christ joins us in studio to share how the ministry is helping men and women find restoration from lives bound by addiction and destructive lifestyles. He discusses the Christ-centered programs, accountability, and community that support long-term transformation. Mike also introduces their newest endeavor—Well Coffee NM, a coffee shop run by U-Turn for Christ that provides meaningful work experience and a welcoming space for connection. Enrollment-Men’s and Women’s Program – U Turn For Christ New Mexico % The post Mike Gomez appeared first on ABQ Connect.

THE TIM JONES AND CHRIS ARPS SHOW 0:00 SEG 1 Speaker’s Stump Speech compares Mamdani and Thanksgiving The stump speech is brought to you by https://www.hansenstree.com/ 18:20 SEG 2 SUSIE MOORE, Deputy Managing Editor at RedState.com, co-host of Mike Ferguson in the Morning, and host of RedState Radio, Sundays at 4pm || TOPIC: Top Red State headlines || Noem on NG Shooting Suspect: 'We Believe He Was Radicalized Since He's Been Here in This Country' || TN special election || Bondi: 'If You Are a Narcoterrorist...We Are Coming After You' || Top Zelensky Aide Resigns Following Anti-Corruption Raid at His Home | Trump’s MRI ||https://x.com/SmoosieQhttps://redstate.com/author/smoosieq 34:18 SEG 3 “Rage bait” named word of the year 2025 by Oxford University Press | Chatbots are changing their algorithm | 1st day of sports betting in Missouri https://newstalkstl.com/ FOLLOW TIM - https://twitter.com/SpeakerTimJones FOLLOW CHRIS - https://twitter.com/chris_arps 24/7 LIVESTREAM - http://bit.ly/NEWSTALKSTLSTREAMS RUMBLE - https://rumble.com/NewsTalkSTL See omnystudio.com/listener for privacy information.

THE TIM JONES AND CHRIS ARPS SHOW 0:00 SEG 1 Speaker’s Stump Speech compares Mamdani and Thanksgiving The stump speech is brought to you by https://www.hansenstree.com/ 18:20 SEG 2 SUSIE MOORE, Deputy Managing Editor at RedState.com, co-host of Mike Ferguson in the Morning, and host of RedState Radio, Sundays at 4pm || TOPIC: Top Red State headlines || Noem on NG Shooting Suspect: 'We Believe He Was Radicalized Since He's Been Here in This Country' || TN special election || Bondi: 'If You Are a Narcoterrorist...We Are Coming After You' || Top Zelensky Aide Resigns Following Anti-Corruption Raid at His Home | Trump’s MRI ||https://x.com/SmoosieQhttps://redstate.com/author/smoosieq 34:18 SEG 3 “Rage bait” named word of the year 2025 by Oxford University Press | Chatbots are changing their algorithm | 1st day of sports betting in Missouri https://newstalkstl.com/ FOLLOW TIM - https://twitter.com/SpeakerTimJones FOLLOW CHRIS - https://twitter.com/chris_arps 24/7 LIVESTREAM - http://bit.ly/NEWSTALKSTLSTREAMS RUMBLE - https://rumble.com/NewsTalkSTL See omnystudio.com/listener for privacy information.

The fate of Kpandai MP Matthew Nyindam remains uncertain as his lawyers file another notice of appeal and a stay of execution following the release of the full High Court ruling—hours after the Speaker's 7-day deadline expired.

New York Magazine columnist and longtime knower of Zohran Mamdani, Ross Barkan, returns to Bad Faith alongside first time guest, Palestinian activist and founder of Within our Lifetime Nerdeen Kiswani, to discuss recent controversies around mayor-elect Zohran Mamdani following his historical win in New York. Why did Mamdani weigh in on Chi Ossé's potential primary against Hakeem Jefferies instead of sitting it out? If the DSA is concerned about divided resources, why didhe argue that now is not the right "time" for a primary on principle, and why did he go on to endorse Jefferies as Speaker of the House? What's the logic behind keeping Jessica Tisch on board -- especially after the recent ICE activity in NYC? And is Zohran's strategy of giving statements appealing to "both sides" -- criticizing an Israeli settler recruiting event at a NY synagogue while also discouraging protests outside of it -- a successful strategy, or does it simply serve to frustrate everyone? Subscribe to Bad Faith on YouTube for video of this episode. Find Bad Faith on Twitter (@badfaithpod) and Instagram (@badfaithpod). Produced by Armand Aviram. Theme by Nick Thorburn (@nickfromislands).

Have you ever wondered why certain lies still have power in your life? In this episode, Christine Caine unpacks the first three questions ever asked in Scripture, and how your answers to them will shape your identity, purpose, and destiny. You'll discover how to silence the lies of the Enemy, come out of hiding, and stand confidently in who God created you to be. ✨ Listen in and discover: ● The three foundational questions that determine your spiritual direction ● How to identify the lies shaping your identity ● How to align your life with what God has actually said about you Get your free Episode Reflection Guide → http://bit.ly/4gx1ZYk + + + + ️ SUBSCRIBE: https://bit.ly/ChristineCaineSubscribe ORDER Christine's newest book, Don't Look Back → https://linktr.ee/christinecaine ORDER Christine's new devotional, "You're Not Finished Yet" → https://linktr.ee/christinecaine For more great stuff, check out: LISTEN to Christine Caine's Life and Leadership Podcast→ https://linktr.ee/christinecaine DONATE to Equip & Empower Ministries: https://linktr.ee/christinecaine Follow Christine on social media: Instagram: https://www.instagram.com/ChristineCaine/ Facebook: https://www.facebook.com/theChristineCaine/ Twitter: https://twitter.com/ChristineCaine Christine Caine is a speaker, activist, and bestselling author who awakens people everywhere to discover their God-given purpose and live transformed lives for Jesus. Alongside her husband, Nick, she founded A21, a global anti-human trafficking organization that prevents exploitation, recovers victims, and empowers survivors. She also launched Propel Women, an initiative equipping women worldwide to follow Jesus wholeheartedly and live confidently in their calling. Through Equip & Empower, Christine activates people everywhere to live on mission for Jesus. Christine is the author of more than a dozen books and Bible studies, and she holds a Master's Degree in Evangelism and Leadership from Wheaton College. For over 30 years, she and Nick have faithfully served the global Church. You can tune into her weekly Equip & Empower and Life & Leadership podcasts for practical insights and encouragement, always pointing to the hope found in Jesus. Christine and Nick live with their daughters, Catherine and Sophia. To learn more about Christine and her resources, visit http://www.christinecaine.com.

I am thrilled today to have the opportunity to speak with Dr. Vonda Wright, a practicing double-boarded orthopedic sports surgeon who has positioned herself at the intersection of longevity, women's health, and performance.  Dr. Wright is a great advocate for women's health, well-known and highly regarded for her frequent media appearances and thought leadership. In our discussion, we cover the importance of menopausal literacy and the impact of musculoskeletal syndrome in menopause, focusing on the critical decade, bone health, risk factors, and how to assess muscle strength. Dr. Wright shares her formula for strength training, and we explore the benefits of Zone 2 sprint training, examining the importance of V02-Max testing, particularly for frail individuals. We also address common musculoskeletal issues and essential lifestyle practices for maintaining orthopedic health.  This insightful conversation with Dr. Vonda Wright is one of my top picks on the podcast. I know you will love it! IN THIS EPISODE YOU WILL LEARN: What menopausal literacy means The symptoms of musculoskeletal syndrome during menopause The roles estrogen and testosterone play in the musculoskeletal system Why it is essential to focus on your health and notice any hormonal changes in the critical decade between the ages of 35 and 45  How the loss of loss of muscle mass and strength can lead to frailty and a risk of falling in middle-aged patients Why women must base their decisions regarding estrogen on facts The benefits of making smart nutrition, exercise, and sleep your priorities The exercise Dr. Wright recommends for improving cardiovascular fitness How weightlifting and trampoline rebounding in midlife supports bone health  How to use how to use V02 Max data to track your fitness level Some essential nutritional factors for supporting midlife health  Bio: Dr. Wright is a practicing double-boarded Orthopaedic Sports Surgeon, Author, Speaker, Researcher, and Innovator whose work stands at the intersection of Longevity / Women's Health / Performance. Widely recognized for her thought leadership, Dr Wright is a frequent media and conference expert. Her innovative science-based approach is changing the lives of millions in mid-life. Dr Wright practices in Lake Nona, Florida, and is the founder and CEO of Precision Longevity. Connect with Cynthia Thurlow   Follow on X ⁠Instagram⁠ ⁠LinkedIn⁠ Check out Cynthia's ⁠website⁠ Submit your questions to ⁠support@cynthiathurlow.com⁠ Connect with Dr. Vonda Wright On her⁠ website⁠ On⁠ Facebook⁠ ⁠Instagram⁠ ⁠X.com⁠ ⁠LinkedIn⁠ Leave a message on VIP Phone Number (407)-232-2334

Keith discusses seven ways to get a lower mortgage rate, emphasizing the historical impact of the 1940s GI Bill on homeownership and wealth creation.  Caeli Ridge, founder of Ridge Lending Group, digs into smart tactics like adjustable rate mortgages, DSCR loans, and down payment options, plus insider tips on boosting your creditworthiness, timing your rate lock, and planning ahead so you can maximize your returns.  They also explore trends like 50-year mortgages and portable mortgages, and the benefits of FHA and VA loans for first-time buyers.  Resources: Want expert guidance on your next real estate investment or mortgage? Reach out to Ridge Lending Group for personalized support and a full range of loan options—whether you're a first-time buyer or seasoned investor. Visit ridgelendinggroup.com or call 855-74-RIDGE to take your next step! Episode Page: GetRichEducation.com/582 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  For predictable 10-12% quarterly returns, visit FreedomFamilyInvestments.com/GRE or text  1-937-795-8989 to speak with a freedom coach Will you please leave a review for the show? I'd be grateful. Search "how to leave an Apple Podcasts review"  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— GREletter.com or text 'GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Keith Weinhold  0:01   Welcome to GRE. I'm your host. Keith Weinhold, seven ways you can get a lower mortgage interest rate. We'll break them down loan types available to you that you never heard of, and learn how the 1940s GI Bill shaped the mortgage that you get today on get rich education   Speaker 1  0:22   Since 2014 the powerful get rich education podcast has created more passive income for people than nearly any other show in the world. This show teaches you how to earn strong returns from passive real estate investing in the best markets without losing your time being a flipper or landlord. Show Host Keith Weinhold writes for both Forbes and Rich Dad advisors, and delivers a new show every week since 2014 there's been millions of listener downloads of 188 world nations. He has a list show guests include top selling personal finance author Robert Kiyosaki. Get rich education can be heard on every podcast platform, plus it has its own dedicated Apple and Android listener phone apps build wealth on the go with the get rich education podcast. Sign up now for the get rich education podcast, or visit get rich education.com   Corey Coates  1:07   You're listening to the show that has created more financial freedom than nearly any show in the world. This is get rich education. You Keith,   Keith Weinhold  1:23   welcome to GRE from the Romanian Black Sea to the Egyptian Red Sea and across 188 nations worldwide. I'm Keith Weinhold, and this is the indefatigable get rich education before we discuss the seven ways that you can get a lower mortgage rate and more in the 1940s before my dad was born, the GI Bill gave veterans returning from World War Two access to cheap home loans, and that single policy decision might have done more to shape the modern American Housing landscape than Anything else in the last 100 years. Think about it, millions of young men, almost kids, really had just spent the better part of their early adulthood in Europe or the Pacific. They came home, married their sweethearts, started families, and suddenly America had this booming demand for housing, but demand alone doesn't build homes. You also need money. You need access to credit, and that's where the GI Bill stepped in. It didn't just thank returning service members for their sacrifice. It handed them something way more powerful, the ability to buy a home with little money down a low interest rate and underwriting standards that would frankly look like a fantasy today, that access to credit sparked one of the biggest housing booms in American history. You had these entire suburbs that sprang up overnight, Levittown in New York, Lakewood in California. These were master planned communities, and they really became a blueprint for Post War America. We had the booming 50s, and this had a lot to do with it. Here's the part that most people don't understand. This wasn't just about housing. This was about wealth creation, because for better or worse, home ownership has been the primary wealth building vehicle for the American middle class these past 100 years, when you give millions of people a subsidized path into property ownership, you're not just giving them a roof. You're giving them equity appreciation, leverage, tax benefits. You're giving them the engine, this flywheel that spins up generational wealth in a lot of ways. The GI Bill is the earliest institutional example of what I at least tell you here on the show, real estate pays five ways. Now they didn't call it that in 1947 but that's exactly what it was. Veterans earned appreciation as suburbs grew. They had amortization working for them, they collected tax advantages. Inflation slowly eroded their fixed rate mortgage balances too. And here's the thing, these weren't even speculative investments. They were homes that they lived in. Now, of course, the GI bill wasn't perfect. It expanded opportunity for millions of people, but it excluded a lot of people too. Lenders and local governments often blocked black veterans and other minorities from accessing the same benefits. That's a whole story unto itself, but the takeaway for today is, when you combine demographic momentum with favorable financing, you can remake a nation, and that's why housing policy still matters today, which we'll get. Two shortly, when you change access to credit or just tweak it, you change the trajectory of families and markets for generations, and the GI Bill proved that. So when we talk about interest rates, affordability, supply shortages, or any of the high frequency housing data that we cover here, remember that the stories aren't just about numbers. They really are about people. They're about giving ordinary Americans the chance to build wealth the same way that those World War Two veterans did through ownership, stability and the quiet compound leverage, not compound interest. Compound leverage that real estate delivers over time.    Keith Weinhold  5:49   I'm bringing you today's show from, I suppose, a somewhat exotic location. I am inside Caesar's Palace, which is right near the very middle of the famed Las Vegas Strip, that's where I'm at. The hotel staff is always accommodative of the show setup. This might seem a little strange to you, because I'm not a gambler. The reason I'm here is that my brother lives 25 minutes away, and I've been with him during Thanksgiving. Next week, I'll bring you the show from Buffalo, New York, and then two weeks from now, I have something heart warming to tell you about that, and it is a real estate story. I'll be broadcasting the show from upstate Pennsylvania. I'll be there to visit my parents. My brother's also coming in from Nevada to be there. That's where the four of us, mom, dad, my brother and I will sit around the same dining room table in the same kitchen of the same home that my parents have lived in since the 1970s nothing has changed, and all four of us know our spots at the table. And actually, it's not even called the dining room table. It is the supper table, as my parents call it so, from flashy Caesar's Palace today to Buffalo and then to Appalachian simplicity in Pennsylvania, the stability and continuity of my parents living in the same home and four wine holds sitting around the table during the holidays, it is so rare. I imagine less than one or 2% of people can do this. I'm just profoundly grateful and proud of Kurt and Penny Weinhold for being the best, most stable parents I could have asked for. It's almost too much to ask, and if you don't have that in your life. Ah, you can do something about that. You can provide the same decency and stability for your children.    Keith Weinhold  7:50   Let's talk about seven proven ways you can get a lower mortgage rate with this week's terrific guest. Though, we'll focus on investment properties. A lot of this applies to primary residences as well.   Keith Weinhold  8:07   We are joined by the founder of the lender that's created more financial freedom for real estate investors than any other mortgage originator in the nation, the eponymous Ridge lending group. And though that sounds impressive, my gosh, she didn't even need that introduction for you the listener, because she's one of the most recurrent guests in show history. Welcome back to GRE Caeli Ridge,   Caeli Ridge  8:30   I am delighted to be here as always, Keith, thank you for your support and acknowledgement. I love what you do, and I'm hoping that I can bring more value today to your listeners in what it is that we do, educating the masses, right?   Keith Weinhold  8:42   You've been doing that here for about 10 years. And yes, we're talking about a woman with a reputation for writing emails in all caps, yet still maintains a great relationship with everybody. I mean, congrats, shaile. I couldn't possibly pull that off myself.   Caeli Ridge  8:58   Thank you, Keith. And you know, I'm going to stay by my all caps, man, it's a speed thing. It all boils down to the number of seconds in the day that I can just move quickly through an email. Yeah, I love my all caps.   Keith Weinhold  9:09   Apparently recipients are still replying, well, you can get a lower mortgage rate in at least seven ways. You can get an adjustable rate mortgage, do a midweek lock in, negotiate seller credits. Have a high credit score. Do a two one buy now, which is kind of old school, but some home builders are using it boost your DTI or buy now, not later. Those are some of the strategies for lowering your mortgage rate. What are your thoughts with regard to that?   Caeli Ridge  9:39   I think all of those are viable. I would just say on the adjust for a mortgage. The pushback I would give there is, is that for residential property, specifically, single family, up to four units, we are not finding that spread between the arm and a 30 year fix. We've been the industry as a whole, secondary specifically been on the inverted yield. Now this gets a little tough. Nickel, and I won't go down that rabbit hole, but 08, 09, the housing and lending crash created an environment within secondary markets where an inverted yield has made a 30 year fixed mortgage more favorable in the rate department. Now that's not always going to be the case. I am a huge fan of the adjustable, but what would work right now is an adjustable with the all in one not to take too much time on that topic, but that would be an adjust rate mortgage that I think would save interest or reduce the rate of which interest is accruing,   Keith Weinhold  10:30   the all in one loan, which we discussed extensively back at the beginning of this year here on the show. Long term, though, I have seen adjustable rate mortgages work for a lot of people, because really, the compelling proposition of the arm is that it guarantees that you get a lower rate in the near term, and yet there's only a chance that you're going to have a higher rate in the long term   Caeli Ridge  10:53   and further. Let's I mean, let's dissect that a little bit. I am a huge proponent. I love an adjustable rate mortgage when the arm is pricing a half or a full percentage point plus over a fixed especially for non owner occupied and the reason for that is, and this is statistically speaking, feel free to look this up, guys, the average shelf life of a mortgage for an investment property is about five years. Great point, right? And we know that if that's the case, right, we're refinancing to harvest equity. We're refinancing maybe to reduce an interest rate from where the market was before, et cetera, et cetera. So that would be the first thing I would say. And then also remember, you guys the first 10 years of an amortized mortgage, 30 year fixed, amortized mortgage, how much of that payment is going to the principal? Because people will often push back by saying, well, either an interest only, or an adjustable and what happens if it changes or it goes up? Most of your payment is going to the interest anyway, and that reset to harvest equity. Borrowed funds are non taxable. We always say that, right? I think it's fully justified. So I love an arm, I just don't know, in comparison to a 30 year fixed today, like a five year ARM versus a 30 year fixed we are in a place that it makes sense, but normally, to your point, absolutely. Fan   Keith Weinhold  12:06   that spread needs to widen for the arm to make more sense. What about doing a mid week rate lock in? Is that a thing?    Caeli Ridge  12:13   Yeah. And you know, I don't have any empirical evidence here. Okay, I don't have any data points that actually prove this, except for 25 years in the business and locking loans every day of my life. There's something about a Monday and a Friday. And I have some conspiracy theories. I don't know that. I it's necessary to share them here, but midweek locks tend to be more favorable in both points and interest rate than you'll find on a Friday and a Monday. I think largely it has to do with, you know, the stock exchanges shutting down for the weekend, right? You got a Friday, you got two days in between. You got foreign markets, and all the things that can explode and happen during that amount of time. So I think they hedge a little bit. So on Friday, going into the weekend, I think that there's something about that and why interest rates are a little less favorable. And then Monday, of course, coming off the weekend, similarly, maybe there's some truth to that too.   Keith Weinhold  13:02   Now, negotiating seller credits has really been a trend to help with affordability. Tell us about specifically what you're seeing there, what's common.   Caeli Ridge  13:11   So we're talking to investors. I can tell you that the loan products you guys are going to have access to are going to cap you, okay, you're going to cap at, per guideline, 2% of the purchase price. Okay, remember that your points that you're paying when you get into locking an interest rate are going to be calculated on the loan size, all right. So the first thing to know is seller paid closing costs, maximum is going to be 2% per underwriting guidelines. That 2% is based on your purchase price. Anything that you're paying points for is going to be on the loan balance, the loan size, so there's going to be a little extra there for you that can contribute or can pay for some other closing costs, right, depending on the numbers. Now, if you're smart enough, or lucky enough, or whatever, the market is viable enough that you can negotiate more than 2% from the seller to pay towards closing costs, you're going to be limited on what you can do on the loan side. But let's say that you go and you've negotiated 4% seller will pay 4% towards your closing costs. Then in that case, you can reduce, you got the two points that you're allowed per guideline. And then you can reduce the purchase price by the difference you don't want to leave that money on the table.   Keith Weinhold  14:15   That's how it's done. And then there's just simply having a higher credit score. What's the highest credit score that really helps you get the lowest mortgage rate for both primary residences and non owner occupied properties. Loan product   Caeli Ridge  14:29   type dependent. But I would say overall, 760 and above is kind of that threshold. There are products that go 780 maybe even on the rare occasion, 800 and above. If I had to pick a number as the absolute pinnacle, I'm going to go 780    Keith Weinhold  14:41   All right, so having a credit score above those thresholds really doesn't help get you a lower interest rate. It's really just a little flex that you've got an 811, credit score, or whatever it is. Now the two, one buy down. That's something that we used to see long ago. A few home builders are bringing it back. And what that does it allow? Homebuyers to pay a lower interest rate for the first two years with the seller covering the difference, and that allows the seller to get their price. They don't have to lower the price of the home at all. But the two one buy down, and you see that written, two, one that has been employed more recently. Tell us about that.    Caeli Ridge  15:18   Well, the builders are struggling in some cases, right? The affordability buzzword is all over the place. So they've had to get creative and find ways in which they can move their inventory. So I think they've done a good job at kind of shaving off some of their margins to satisfy or improve the terms for the consumer. So I like the two. One, if you can get it   Keith Weinhold  15:37   now, one can boost their DTI as well their debt to income ratio and Taylor. When we've talked about that before, we've usually talked about reducing your debts in order to improve your DTI. However, a lot of people don't think about the fact that, oh, well, you can increase your income that lowers your DTI to help you qualify. So tell us what is the max DTI that you can have   Caeli Ridge  16:00   maximum debt to income ratio, in most cases on a full dock loan is going to be 50% now, depending on the type of income that you earn or that you've demonstrated, how you calculate that can get a little bit tricky. But if you're just a straight w2 wage earner, we don't have, you know, commissions or bonuses or anything that we consider variable income, then you just take your gross income times 50% whatever that number is, all of your liabilities on the credit report, we do not count ordinary living expenses like food and gas and utilities and cell phone bills. It's the minimum payments on the credit report. As long as whatever that add up is fits within that 50% you're good to go.    Keith Weinhold  16:37   Now, when it comes to improving our DTI to get a lower mortgage rate, I tend to think it's easier to knock out some debts to improve your DTI. But what about the other side of it? What about increasing your income to improve your DTI, lower your mortgage rate and qualify? Can you talk about some of the strategies for increasing your income with respect to DTI?    Caeli Ridge  17:02   Absolutely. And the biggest one, I think that we probably want to focus on most is going to be on a schedule E, right? That's the one that you're going to have more control over. So when we talk about rental income and how we might be able to boost that first, it might be important to share that there are two ways in underwriting that we will calculate or quantify rental income. The first way is called the acquisition year formula. I'll give you that in just a second. It's very easy, but the way I think we focus on here, because acquisition year is going to be what it is, you're going to have very little ability to manipulate or change that once our rental properties fall on our tax return, specifically the Schedule E of a federal tax return, you as the taxpayer or the borrower are going to have some access to maximize or increase the income, or, let's actually get a little bit more granular there to maximize the gain or minimize the loss, by means of depreciation, maybe a cost seg, maybe we make sure that one time, extraordinary expenses are demonstrated on the tax return in the appropriate way so that underwriting can add those things back. So I know that this sounds technical, but the scheduling is the way that I would say is the easiest for an investor to maximize income, reduce debt to income ratio. And I will close by saying that ridge lending, I think one of our most valued value adds is the ability to help our clients look at their draft tax returns on an annual basis and present them with, Hey, listen, Mr. Jones, if you file this way, this draft tax return, if it files this way, this is what it means to your debt to income ratio. Here's my advice, right? We go into a lot of depth there with our clients.   Keith Weinhold  18:39   That is a smart, long term planning piece that most mortgage companies are not going to give you. They're not going to be forward looking, looking out for your next three years of growing your income property portfolio. And shortly, we'll talk about a way for you to qualify loans where you don't have to show tax returns or W twos or pay stubs. But while we're talking about how to get a lower mortgage rate and some creative ways to do that, I brought up, buy now, not later. And what do I mean by that? What I mean is say, properties appreciate even 3% over time. Buying now, I mean that is going to net you more equity if you buy now rather than waiting, than it would in the savings from a rate drop, when you look at the appreciation run up, however, if rates go up, then you get both the lower price and the lower rate by buying now, not later.   Caeli Ridge  19:32   And I would add to that, we have to remember that in addition to a very modest 3% in the home appreciation, we should be appreciating our rents at even a modest 2% a year, right? Depending on where you are, et cetera. I know that there's exceptions to the rule. And then finally, we got to add in that tax benefit, what you're going to get in your deductions, et cetera, et cetera.   Keith Weinhold  19:51   Yeah, great point. Well, I brought up seven ways that you can get a lower mortgage rate. Can you share a few more with us? Some common ones? Because I know. That almost everyone that calls in there wants to inquire about mortgage rate as well.    Caeli Ridge  20:03   Everybody wants, yep, everybody wants to talk about the rate, despite my vervet opposition to say, do the math. Do the math. Do the math. You know, the easiest one there would be buying down the rate. I'm going to try and formulate an example. Let's say you've got a really high wage earner and in the thick of their earning years, and they're trying to prepare for retirement down the road. It's a longer term burn. They desperately need tax deductions, and the deal that they're looking at, yeah, it's okay, but they want some extra expenses on the Schedule E, maybe they buy the rate down by three even 4% because points on an investment loan transaction are tax deductible, so that might be something, and they obviously benefit from the lower interest rate. Now I may push back on this, and I think again, I know I sound like a broken record here, but we really need to do the math. What are we getting versus what are we giving up to get a 6% or five and a half percent interest rate? What does that mean in real, tangible cost, and what's that? Break even? It's actually a fairly simple calculation. When you just divide the difference in what you're getting versus what you're paying for, and that'll give you the number of months that it takes to recapture the incentive versus the expense. But that would be the easiest one. Keith, I would say buying down points, using paying additional points to get that lower interest rate,   Keith Weinhold  21:20   buying down your rate. It could feel good in the short term, but it's often not the best long term or even intermediate term move when you do the math, as you always like to say, well, you the listener here, you know that you can qualify for mortgage loans, for rental properties without needing a w2 without needing a pay stub and without even needing to show tax returns, because you need all those things for a conventional loan, but for a DSCR loan, debt service coverage ratio, you don't. So talk to us about the pros and cons of a DSCR loan versus a conventional   Caeli Ridge  21:53   loan. Okay? And I've got a hook here too, because I think the listeners are gonna be very, very pleased to hear at the end of this statement, what's happening with DSCR in conjunction or comparison, rather to the conventional so DSCR everybody means debt service, coverage ratio. It's a very simple formula. We are going to take the gross rents and divide it by the principal and interest and taxes and insurance and association. If it applies, that's it.   Keith Weinhold  22:18   $1,000 in gross rents, $800 in p i, t i, that yields a DSCR of 1.25 Correct?   Caeli Ridge  22:25   Yes, you're absolutely right. The one that I use as I, just to keep it simple, is 1000 rents, 1000 piti. That's a 1.0 right? As long as the gross rents are equal or greater than the p i, t i, you're going to be in a position to get the more favorable rates. Now that's not to say that we can't go below a 1.0 ratio. You can actually have a property, we have products that will allow the DSCR to be a point seven five. That would mean, in this scenario, if you had rents, gross rents of 750, and the piti was 1000 you can actually get that loan done. That is allowed. The rate gets a little bit hairy. So more often than not, we're at the 1.0 and above. So this is just a really great way for investors who are either recently self employed, maybe they're adjusted gross, they just write everything off for reasons that you can imagine. Why? Right? They don't want to pay the taxes. It could be 100 different reasons. The DSCR option is such a great solution to provide a 30 year fixed mortgage same same similar leverage, if not sometimes even better than a Fannie Freddie, than a conventional loan, you can usually leverage a little bit more, in some cases, on a DSCR like a two to four, for example, two to four unit residential property, Fannie Freddie, they kind of cut those loan to values a little bit, and the DSCR loans don't care about that. So you can get the same leverage as a single family would in a DSCR. The only other primary difference is these DSCR loans are going to come with prepayment penalties. Typically, the standard is about three years, but we're usually not refinancing in the first 36 months. Anyway, if you know that that's applicable to you, then you'd have to buy the prepay down or out, which you can do otherwise. DSCR is amazing. Oh, and I'll give you the little hook here. So something I have observed this is maybe very recent 4550 ish days, the margin for interest rate difference between conventional and DSCR is really starting to narrow. DSCR products are really performing well, and that interest rate improvements that we've been seeing for those products is not far off from what the Fannie Freddie's are, and I've even seen examples where DSCR beats a 30 year fixed Fannie Freddie rate. Now those are for the higher loan amounts. I can explain if you want, but otherwise, that's good news.   Keith Weinhold  24:36   Okay, this is really good news. It's a time in the cycle where dscrs could very well make sense for you without that huge documentation Shakedown that you need with W twos and pay stubs and everything else. There are a lot of nascent trends in the mortgage industry, and we're trying to separate some of them from being rumors, from being something that can truly happen. We're talking about 50 year mortgages and poor. Affordable mortgages. More on that. When we come back, you're listening to get rich education. Our guest is Ridge lending Group President, Chaley Ridge   Keith Weinhold  25:07   You know, most people think they're playing it safe with their liquid money, but they're actually losing savings accounts and bonds don't keep up when true inflation eats six or 7% of your wealth. Every single year, I invest my liquidity with FFI freedom family investments in their flagship program. Why fixed 10 to 12% returns have been predictable and paid quarterly. There's real world security backed by needs based real estate like affordable housing, Senior Living and health care. Ask about the freedom flagship program. When you speak to a freedom coach there, and that's just one part of their family of products, they've got workshops, webinars and seminars designed to educate you before you invest, start with as little as 25k and finally, get your money working as hard as you do. Get started at Freedom family investments.com/gre, or send a text now it's 1-937-795-8989, yep, text their freedom. Coach, directly, again. 1-937-795-8989,   Keith Weinhold  26:18   The same place where I get my own mortgage loans is where you can get yours. Ridge lending group and MLS, 42056, they provided our listeners with more loans than anyone because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage, start your pre qual and even chat with President Chaley Ridge personally, while it's on your mind, start at Ridge lending group.com, that's Ridge lending group.com   Dana Dunford  26:50   this is hemlanes co founder, Dana Dunford. Listen to get rich education with Keith Weinhold, and don't quit your Daydream.    Keith Weinhold  26:58   welcome back to get rich education. We're talking with Ridge lending Group President and Founder, Chaley Ridge about how you can get lower mortgage rates, and also about some trends in the industry, separating what's really a rumor in what could really happen squaring on 50 year mortgages and portable mortgages, those are both things only being discussed by the administration to help with affordability. FHFA Director Bill Pulte created some jarring news recently when he publicized this. What are your thoughts on the 50 year mortgage?    Caeli Ridge  27:39   You know, on a primary residence basis, I'm not so sure I need to maybe put some more thought into that. But for an investment property, I love it. Man, anything to keep that payment down so that, because, remember, we talked about earlier in the show here the percentage of mortgages, let's just use our 30 year fixed for a second that for a rental property that start on day one and then stroke a check 360 times later to pay that to zero. Is a fraction of a percent right? We are refinancing these things. We are selling them and doing 1031 exchanges. So anything that can keep my cash flow higher and my payment lower, I am all for it. Now, the people that push back and say, Well, I want to pay off my mortgage in 15 years. I don't want to pay extra interest, you are welcome to do that. So there's a second piece to this that I think is equally as important as maximizing cash flow, and that is your qualification. All right, if this comes to pass, and right now, it could just be noise, okay, and I'm speaking specifically for investment property, but if this is available to us, the debt to income ratio component, because think about it like this. So I'm going to keep using my 15 year and my 30 year, because that's kind of what we understand. The payment difference between a 30 year 360 month and a 15 year 180 month can be substantial depending on the loan size. I mean, it can be hundreds and hundreds of dollars for the individual that is dead set and say, I don't want to pay the higher interest. I want to pay these things off. We may have arguments about that whole strategy to begin with, but overall, if they still want to do that and that's their decision, Fine, take the 30 year fixed payment. Take the 30 year fixed mortgage. Apply the difference. You can figure out that payment difference very easily. Apply it religiously. Every month. You will cross the finish line in about 15.4 years. Download an amortization calculator online. You can find them everywhere. Plug in your numbers, and you'll see what I'm talking about. If you were to do this, let's say the difference is 200 bucks a month, and you send it in every month with your 30 year fixed mortgage payment, you will cross the finish line to pay that thing off in about 15.4 years. So yes, you'll pay a few extra months of interest. But what have you done to your qualifications, right, your payment now on your debt to income ratio, when we're looking at this thing for a future optimization, never take the shorter term amortization, ever, ever, ever, you won't pay the higher interest that the 30 year or the 50 Year will probably come with because you've accelerated the payoff so long, if that's your choice. Now for everybody else that really wants. To maximize that cash flow. And they get that, they're going to be refinancing this every five, six, whatever it is, years take it, man, I am all for the longer term amortization on a rental.   Keith Weinhold  30:10   I agree with you. I even like the 50 year on a primary residence, but yeah, Chaley, right here on the show, several weeks before Bill Pulte made the announcement, I actually talked about the 50 year mortgage and compared it to the 30 and the reasons that I like it because I knew there was a chance it could be coming, since this administration is trying to do so much to help out with affordability, people buy based on a payment, not a price that lowers the payment. A 50 year mortgage helps you benefit from inflation, and there are a lot of other advantages that have to do with that, although you probably are going to pay a higher interest rate on a 50 than you would a 30. And you know, Chaley, when the 30 year mortgage had its Advent just after World War Two, I'm going to guess 75 years ago, people were having this same conversation like, oh, 30 years, my gosh, you're never going to pay off the home. And really, that's not what it's about.    Caeli Ridge  31:01   Not at all, not at all. And remember, you guys, I would encourage everybody listening to this to actually go get that amortization table and see how much interest is baked in and how it is applied and paid. It is the back end of any of these amortized mortgages where the principal actually starts to get applied in a meaningful way. The 50 year mortgage, or the longer term amortization is a huge advantage. I'm speaking for investors. Mostly. I love it.   Keith Weinhold  31:26   Some people say, are you nuts? Look at how much more interest you're paying over the life of the loan on a 50 year mortgage versus a 30 year mortgage. We already touched on that you're not going to keep that loan for the life of it, and if you just take the difference from the lower payment that a 50 Year gives you, and invest that in 8% return, you are going to crush 2x to 3x oftentimes, what the paltry interest savings are over several decades,    Caeli Ridge  31:26   and somebody else is making that payment right. We have tenants that are responsible   Keith Weinhold  31:47    100% and then there's something that I don't know if portable mortgages would fly. And what this means is that when borrowers move, they could keep the rate, keep their term and keep their lender, presumably for the new home you might have seen it in the news. You the listener that Fannie May remove the minimum credit score requirements from desktop underwriting. And Chaley, I think you let me know elsewhere that those changes don't affect non owner occupied, but of course, it could affect the broader housing market in pricing. What are your thoughts about lowering the credit score requirement   Caeli Ridge  32:28   so similar to the portable stuff, until it really reaches mainstream and it affects the non owner occupied I'm not deep diving into those things. The basis of it, though, is, is that, yeah, they're removing that minimum credit score requirement from a du underwrite that stands for desktop underwriter, as you said, that is Fannie Mae's sophisticated, automated underwriting system, and I think it's just going to give more eligibility to lower income households and people trying to become homeowners that have found the barrier for entry very restrictive because They have credit issues.    Keith Weinhold  33:00   Well, let's talk about FHA and VA loans, something that we have rarely, if ever touched on. Our listeners know that I started out making my first ever property of any kind, an FHA loan with three and a half percent down on a fourplex, living in one unit, renting out the other three. Tell us about some trends there in FHA and VA loans   Caeli Ridge  33:21   we actually just did house hack campaign. We did a webinar on it, co living, all those different ways in which, you know, the younger generation, especially, and this is true for anyone. I don't want to pigeonhole it, can get themselves into home ownership and propel them into the real estate investing as an asset class. I am such a big fan of this model, in this strategy, for anybody that's interested and willing to kind of coal mingle or habitat, like you did a four Plex at three and a half percent down, you've got three tenants that are making your mortgage payment. VA, likewise, any of the Gubby loans, which include VA, FHA, USDA, you can get high, high leverage and up to four units. So I'm a huge fan of that. And then the CO living is another thing that I think is not quite mainstream, but I think it's gaining steam    Keith Weinhold  34:09   for those that don't know what we're talking about, you can use an FHA loan with a three and a half percent down payment, as long as you live in one of the units, your credit score can even be pretty low, and you can do that with a single family home, duplex, triplex or fourplex. You can get those same benefits with a VA loan and zero down   Caeli Ridge  34:29   USDA also zero down if you're in the right zip code. How does one qualify for a USDA loan? You know, there's a website I would have you check out. We don't do a ton of those. We have the ability, of course, but there's income restrictions and all of this. They've got, actually, a pretty slick website where you can go online, type in the zip code, make sure it's in a rural area, what your income is. There's all these inputs, and it'll tell you if you'd be a candidate for it. But yeah, it's good. Rates zero down. I like the product.   Keith Weinhold  34:56   Well, there have been a lot of newsy items when it comes. Comes to mortgages. Caeli and I think we should drop back before we're done here and talk about the basics. Just basically, what does it take to get a non owner occupied loan for residential income property?   Caeli Ridge  35:12   You know, there's so many options for investors today that I would say that if you have access to and even with what we just said, house hack. I mean, listen, if you've got 3% down, three and a half percent down, you can probably assure yourself you can get into a property. And if you can't qualify from a income debt to income ratio perspective, you've got three or four other models, which include DSCR, bank statement loans, asset depletion loans, overall, I would say that this is an individual conversation. Chances are you could probably qualify today, and if you can't, one of the things that I love about Ridge lending is, is that we're going to help you plant the seeds and show you how to qualify. If it takes you three months or six months or a year, that's what we do.   Keith Weinhold  35:56   Yeah, we've definitely noticed the difference here and that you do help that investor with long term planning? I do my own loans at ridge, and my assistant here at GRE she recently got the ball rolling with you in there at Ridge as well.   Caeli Ridge  36:11   Brenda, yes, yes, that was fantastic. We are very looking forward to helping her.   Keith Weinhold  36:16   Well, you know, chili, I've come here with a lot of questions that I had. What's the question No one's asking you, but you wish that they would.   Caeli Ridge  36:25   I think it probably would be for me, planning. You know, we get a lot of questions about interest rates. That's kind of top of mind for everybody. More about planning, having people that are interested in real estate as an asset class and an investment have the conversations to say, this is where I'm at today. This is where I'd like to be in five years. Tell me how to get there, and we can have those high level conversations that really sort of reverse engineer it and say, Okay, this is where you stand today from an underwriting perspective. This is where you need to be, and here's how we're going to get you there. It's always about planting seeds and creating those roadmaps, as I like to say so I would say that that would be top of my list.   Keith Weinhold  37:02   That's exactly what you do in there, and that's really what sets you apart. Well, remind our audience how they can get a hold of ridge.   Caeli Ridge  37:11   Yes, there's a couple ways. Of course, our website, Ridge lending group.com Please email us info at Ridge lending group.com and then call us toll free. 855-747-4343, 855-74-RIDGE  is an easy way to remember.   Keith Weinhold  37:25   It's really been valuable this time. Chaley, thanks so much for coming back onto the show.   Caeli Ridge  37:29    Appreciate you. Keith.   Keith Weinhold  37:36   Oh yeah, good pointed info from Chaley over at Ridge, I think that the important things for you to remember from our conversation is that, gosh, isn't it so glaring like in your face that you have options. All these options when you engage with a lender, you're going to learn that there are probably loan programs that you've never even heard of, some that you might fit into and even if you aren't adding more property, if you're not in that phase, there are ways that you can take your existing loans and consolidate them or refinance them, or use them to produce a tax free windfall for yourself and the US is often the envy of other world nations with the flexibility that we have here in our mortgage market. I've never known anyone that does this better than Chaley and her team. I mean, they are real difference makers. If you learn something on today's show, hey, Don't hoard the good stuff. Engage in the nicest kind of wealth redistribution. Tap the Share button right now and share this on social, or text this episode to one friend who'd appreciate it. That would mean the world to me. I'm your host. Keith Weinhold, don't quit your Daydream.   Speaker 2  38:57   Nothing on this show should be considered specific personal or professional advice, please consult an appropriate tax, legal, real estate, financial or business professional for individualized advice. Opinions of guests are their own. Information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of get rich Education LLC, exclusively   Keith Weinhold  39:25   The preceding program was brought to you by your home for wealth building, getricheducation.com  

Get 3 Free Months of Trading Software, 100 Days Of FREE Commissions & 33% off commissions FOR LIFE with My Preferred Broker!  FREE Trading Journal (stop paying for online journal) In today's episode, I'm joined by Steve. Steve is a Professional Trader, Speaker, and Author with almost 20 years of experience in the markets. On todays episode, he gave us an 100 foot view of how the trading space has evolved over the last 20 years; as well as a couple of fundamentals truths that never change. Make sure you tune in to this one. Steve

Fearless Agent Coach & Founder Bob Loeffler shares his insights on How to Make Even More Money by Referring Out Your Buyers and how it's making his Fearless Agent Coaching Students rich! Fearless Agent Coaching is the Highest Results Producing Real Estate Sales Training and Coaching Program in the Industry and we can prove it will work for you if it's a good fit! Call us today at 480-385-8810 to see if it may be  good fit for you! Telephone Prospecting for Realtors means Cold Calling, Door knocking, Calling for Sale By Owners, Calling Expired Listings, Calling your Sphere of Influence, Farming, Holding Open Houses, but Fearless Agent Coaching Students di all of these completely differently and get massively better results! Find out how! Listen in each week as Bob gives an overview and explains the big ideas behind making big money as a Fearless Agent! If you are earning less selling real estate than you wish you were, and you're open to the idea of having some help, We are here for you! You will never again be in a money making situation with a Buyer, Seller or Investor and not have the right words! You will be very confident! You will be a Fearless Agent! Call Bob anytime for more information about Fearless Agent Coaching for Agents, Fearless Agent Recruiting Training for Broker/Owners, or hiring Bob as a Speaker for your next Event! Call today 480-385-8810 - or go to https://fearlessagent.com Telephone Prospecting for Realtors means Cold Calling, Door knocking, Calling for Sale By Owners, Calling Expired Listings, Calling your Sphere of Influence, Farming, Holding Open Houses, Spin Selling, but Fearless Agent Coaching Students do all of these completely differently and get massively better results! Find out how! Are You an Owner of a Real Estate Company - need help Recruiting Producing Agents - Call today! 480-385-8810 and go to FearlessAgentRecruiting.com and watch our Recruiting Video Real Estate Coaching training Real estate training real estate coaching real estate speaker real estate coach real estate sales sales training realtor realtor training realtor coach realtor coaching realtor sales coaching realtor recruiting real estate agent real estate broker realtor prospecting real estate prospecting prospecting for listings calling expired listings calling for sale by owners realtor success Best Realtor Coach Best Real Estate Coach Spin SellingSupport the show: https://fearlessagent.comSee omnystudio.com/listener for privacy information.

It turns out that the count of our mayors has been off by one, dating back to when the city had a population of just 2,500 — meaning the mayor-elect will be New York's 112th mayor, though still the 111th person to serve. FAQ NYC hosts Christina Greer, Katie Honan and Harry Siegel discuss that breaking 17th Century news, as reported by Eliabeth Kim at Gothamist, and much more, including Julie Menin's early Speaker win and the World Trade Center-related death this week of a retired deputy chief who lost a son on 9/11. This episode was engineered by Noah Smith.

Send us a textDiscover how the Mind Shifting Method, created by Mitchell Weisburgh, can transform the way you think, connect, and navigate everyday challenges. In this inspiring conversation, we explore how a simple shift in awareness helps us see more clearly, react less emotionally, and grow more intentionally.If you want to better understand your emotions, improve how you connect with others, or see how the Mind Shifting Method — a neuroscience-based framework — supports personal and professional growth, this episode offers insight into why it matters and the impact it can have.

On Episode 143 of the Guest Speaker series, we welcome Connecticut's very own 4KPHIL. to the show! 4KPHIL. is a hip-hop artist who's steadily been making a name for himself in New England and beyond, including his track “Young Picasso” (produced by soupy2k) being featured on NBA2K22, as well as single “Truancy” found its way on multiple editorial playlists and has amassed over half a million streams on Spotify alone. 4KPHIL. sits down with Mike to have one of the most candid conversations the podcast has seen so far this year. 4KPHIL. shares a deeply personal story about being the victim of gun violence, one that he has seldom shared publicly before. Ultimately that experience shifted his life forever as he completely put all of his efforts into music from there on out, and has never looked back. From there, 4KPHIL. & Mike have an open and honest conversation about their views regarding gun violence in America in general. The guys also touch on some lighter topics, including 4KPHIL. becoming a father and the impact his son has on his life and music career, as well as the collective of artists and creatives based in Minnesota known as Paperjack Productions whom he has formed an important bond with. They also discuss some of 4KPHIL's experiences in Minnesota which include his favorite spots on Eat Street, riding a mechanical bull at the Mall of America, his strong stance on Drake as an artist, and so much more. Follow 4KPHIL. on Instagram: https://www.instagram.com/4kphil._/ Stream 'making the band: act 2' on Apple Music: https://music.apple.com/gb/album/making-the-band-act-2-ep/1831848576 Stream 'making the band: act 2' on Spotify: https://open.spotify.com/album/1DCN55E6gSatWH3o0LZ1Wj?si=9W1ukSpCT6u7KQFnLNbPgw Check out our studio, AOA Studios, and book a session or service with us: https://www.aoastudios.org/inquiriesbooking Follow our social media and blogs Instagram - https://www.instagram.com/turntableteachers/?hl=en Tik Tok - https://www.tiktok.com/@turntableteachers Blog - https://www.turntableteachers.com/blog Shop - https://www.turntableteachers.com/shop Subscribe to our streaming services Apple - https://podcasts.apple.com/us/podcast/the-turntable-teachers/id1448694925 Google Play - https://playmusic.app.goo.gl/?ibi=com.google.PlayMusic&isi=691797987&ius=googleplaymusic&apn=com.google.android.music&link=https://play.google.com/music/m/Icujt6fhi2je7zzfxjkr7glcowe?t%3DThe_Turntable_Teachers%26pcampaignid%3DMKT-na-all-co-pr-mu-pod-16 Soundcloud - https://soundcloud.com/user-538618877 Spotify - https://open.spotify.com/show/4UJh499meoTP5wV2b2jrb0?si=EMaTjq9CR2-_zA6orKQNEQ

In the latest episode of Rising Tide, David Helvarg speaks with Peter Gros and Dr. Rae Wynn-Grant, co-hosts of “Mutual of Omaha's Wild Kingdom: Protecting the Wild,” a show whose origins go back to 1963, when most televisions were still black and white, but wildlife was both more abundant and less understood. Today, you can see their Emmy-nominated television show on Saturday mornings on NBC or watch it on Peacock, Amazon Prime, YouTube - so many outlets, you have no excuse not to watch it, once you've heard what they have to say on this podcast.    Peter Gros is, among other things, a wildlife expert, a licensed animal educator, and a 40-year veteran of the show many of us grew up on.Dr. Wynn-Grant is a wildlife ecologist specializing in carnivore-human interactions who also focuses on expanding science communications and sustainability. A National Geographic research fellow and author, she joined the show in 2023. ‘Wild Kingdom' is also getting saltier over time with more ocean shows on gray whales, white sharks, coral reefs, and one of our favorites, kelp forests, including their most famous residents, the voracious marine weasels also known as sea otters. So, dive in for a fun and informative interview with these two land and sea stars.** Additional Resources **WILD KINGDOM PROTECTING THE WILD — Get inspired by wildlife success stories on Mutual of Omaha's Wild Kingdom Protecting the Wild! Since 2023, Co-Hosts Peter Gros and Dr. Rae Wynn-Grant have taken viewers around the world in search of the most captivating wildlife conservation wins. Watch Season 3 on NBC and stream past episodes on nbc.com. Go behind the scenes of the show with in-depth stories from animal experts on Mutual of Omaha's Wild Kingdom The Podcast.Rae Wynn-Grant, PhD — Wildlife Ecologist, TV Presenter, Author, Speaker & Co-host of Mutual of Omaha's Wild Kingdom Protecting the WildBlue Frontier / Substack — Building the solution-based citizen movement needed to protect our ocean, coasts and communities, both human and wild.Inland Ocean Coalition — Building land-to-sea stewardship - the inland voice for ocean protectionFluid Studios — Thinking radically different about the collective good, our planet, & the future.

Police say man broke into Circle K and stole only beef sticks, Four Marion County firefighters arrested for violently hazing a coworker...pants removal, spanking and waterboarding trifecta in play, Campbell's Soup Company fires executive wh o was recorded saying company;s products are for 'poor people'

A Staten Island lawmaker wants drivers in his borough exempted from New York City's right-on-red ban. Meanwhile, New York City Councilmember Julie Menin says she's secured enough votes to be the Council's next Speaker.

Packinghouse's Sunday evening worship service from November 30, 2025. Matthew 10:1-4 | Guest Speaker Chris Fik Matthew 10 shows that discipleship is less about ability and more about availability. Jesus calls ordinary, mismatched people, gives them His authority, and sends them into the harvest. Your past, personality, or résumé don't disqualify you. Jesus chooses the willing, not the impressive—and turns ordinary obedience into kingdom impact. Same Jesus. Same mission. - Chris Fik - Monday, December 1, 2025

Are the holidays leaving you feeling overwhelmed instead of joyful? In this episode of The Quiet And Strong Podcast, host David Hall shares 10 practical holiday survival tips designed specifically for introverts. Discover how to confidently navigate holiday gatherings, communicate your needs, and create space for authentic, energizing interactions. You'll learn strategies like planning your energy (not just your schedule), creating meaningful connections, setting boundaries, and establishing personal traditions to recharge during the busy season. Whether you want to enjoy the festivities without social exhaustion or are looking for ways to protect your routines, this episode will empower you to embrace your introverted strengths, enjoy the holidays on your own terms, and step into every event with confidence, clarity, and calm. Tune in to unlock key insights for a peaceful, fulfilling holiday—and be strong.Episode Link: QuietandStrong.com/252Send us a text- - -Contact the Host of the Quiet and Strong Podcast:David Hall Author, Speaker, Educator, Podcaster quietandstrong.comGobio.link/quietandstrongdavid [at] quietandstrong.com NOTE: This post may contain affiliate links. I may earn a commission if you make a purchase, at no extra cost to you. Take the FREE Personality Assessment: Typefinder Personality Assessment Follow David on your favorite social platform:Twitter | Facebook | Instagram | LinkedIn | Youtube Get David's book:Minding Your Time: Time Management, Productivity, and Success, Especially for Introverts Get Quiet & Strong Merchandise

As state lawmakers prepare to return to the Capitol next year, Assembly Speaker Robert Rivas says he's starting a new oversight process to judge the effectiveness of legislation. And, the Monterey County Sheriff's Office is warning people to beware of scams this holiday season.

Christina from For The One joins the conversation to share what the organization offers in the fight against child trafficking. She highlights their efforts in awareness and prevention, as well as the comprehensive support they provide to help survivors begin their journey toward healing and recovery. For the One The post Kristina Kutemeyer appeared first on ABQ Connect.

Ever have those days where almost everything and everyone annoys you? Or weeks? Or years? Nothing's going your way. Nothing ever works out for you. It feels like the universe is against you and people are just looking for excuses to push your buttons. You can't remember the last time you were calm and carefree. Even when you're doing things you enjoy, there's still this slight undercurrent of agitation and frustration. And you can't be the only one. It feels like everyone online is angry. Is this just the way the world is now, or is there a way out? If you're new with us, let us know how we can be praying for you, we invite you to fill out an online Connect Card by visiting https://southhillschurch.churchcenter.com/people/forms/91550—If you are looking for what is next for you, we invite you to fill out an online “Next Steps” card by visiting https://southhillschurch.churchcenter.com/people/forms/672517To give with us select the Give tab on the Church Center App or visit https://southhills.org/giving/ and select the Corona Fund or Corona BOW Fund—Visit our Linktree to find out more about everything mentioned in today's message or follow along with the message slides:https://linktr.ee/SouthHillsCorona —To RSVP for On-Campus Events select the Events tab on the Church Center App or visit https://southhills.org/corona/

Too Soon To Quit / Guest Speaker Larry Higgenbotham by Hope City Church

We often end up “riding the wrong horse” in life—trying to win God's approval through performance or treating Him like a transaction. Micah 6 reminds us God isn't after grand gestures but hearts that reflect Him: doing what's right, loving with compassion, and walking humbly with Him. Real faith remembers how God has shown up, steps into the mess with courage, and lives with open hands instead of fear. Your faith was made for the mess. (Talk by Don Baker)

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"The Humble King"Series: Advent 2025 Speaker: Matt CoburnSunday MorningDate: 30th November 2025Passage: Micah 5:2

“ASTRO JAM MYSTERY CHARTS”.We're focusing on transformative people or events (scientist, author, historical stuff, educator, etc.) impacting the world in some tangible way. Two teams will each play out the planetary voices of an unknown chart. Once it's revealed these eight esteemed astrologers unravel the chart's identity consciousness exploring how the sky's imprint influenced people or events affecting the whole.Imagine witnessing the consciousness of these planetary energies unfold before your eyes! Eight astrologers will embody these archetypes in a spontaneous, interactive dramatization, offering a "front row seat" to the celestial dance that influences our lives.ISRAEL AJOSE: Diploma Psychology of Astrology. Full-time practitioner and teacher of astrology, tarot, philosophical and esoteric teachings combining traditional, mediaeval, psychological, and Vedic techniques consultations to students and clients worldwide. sacredplanets.co.ukJEN SACHS: is a certified astrologer (AFA) and tarot reader (Biddy Tarot) with over 20 years of experience. Her work blends cosmic insight with lived wisdom, shaped by a lifelong quest for understanding and a late-in-life diagnosis of autism and ADHD at 38. Her approach is intuitive, empowering, and unapologetically real. Website: Jensachsastrology.comJOLI KNOTT: Consulting astrologer, Reiki Master, teacher, and transformational coach for Bodhi Mindful. Studied both modern and Hellenistic astrology, now studying medieval Islamicate astrology. Connect with Joli, website: bodhimindful.comMARIE O'NEILL, MBA: Evolutionary Astrologer, life coach, and speaker dedicated to helping people transform their lives. Founder of Padma Life Coaching. Author of “and the Lotus Opened”. A dynamic lecturer at astrology conferences and co-hosts the Kepler College YouTube series, “Let's Talk Astrology Business.” Website: PadmaLifeCoaching.comROBERT PACITTI: has over a decade of experience in the world of natural magic. A Druid by calling, he currently holds the position of Grand Pendragon in the Ancient Order of Druids in America and is the Director of the MAGUS Druid Gathering in Gore, Virginia. Consultations focus on the Archetypal and Harmonic nature of the chart's planets, constellations, houses taking a deep dive into the natal chart with Deep Earth Astrology. Social media: facebook.com/SacredConnections13SEAN KELLEY: Speaker, Executive, Motivational Leadership. Focus on Digital Business since 1998. Worked with many of the world's renowned astrologers, from Kelli Fox and Jan Spiller to Henry Seltzer and Michael Lutin. Sean was instrumental in the 2000's driving business for Tarot.com. Website: EvolutionaryAstro.comSUSIE COX: A professional astrologer since 1971, interpreting over 55,000 charts. She was the astrologer at the highly acclaimed Canyon Ranch Health Resort for 32 years. She started their popular Metaphysics Department and was appointed Master Astrologer in 2006. She's written eight books including the International Directory of Astrologers, which was sold in 57 countries. Website: SusieCox.comSUE ROSE MINAHAN: Evolutionary Astrologer Consultant, Writer, Workshops, Speaker. Dwarf Planet University graduate; & tutor; Vibrational Astrology Student, Kepler Astrology Toastmaster charter member. Wine Country Speakers member. Founder of Talk Cosmos weekly insightful conversations awaken heart & soul consciousness. 2025 Season 8. Website: TalkCosmos.com#EvolutionaryAstro #TalkCosmos #YouTubepodcast #SusieCox #RobPacitti #astrologycommunity #astrologyinsights #astrologyfacts #astrologytips #astrologyanswers #trending #podcasting #astrologywisdom #mysticvibes #astrofacts #astrologyinsights #astrojam #astrologywisdom #TalkCosmos #RobertPacitti #DeepEarthAstrology #SueMinahan #jensachs #JoliKnott #MarieONeill #PadmaLifeCoaching #SeanKelley #2025Astrology #jensachs #Bodhimindful #israelajose #astrologyofthesoulSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

From Sunday, 11/23, CrossLife welcomes guest preacher Marwan from Beirut, Lebanon. Marwan and his church have also recently studied through the book of Ecclesiastes as we did earlier this year. And now, he provides us with an overview of the teachings in the book, focusing on how we as believers live well now in the present while we look forward to tomorrow and long for our eternal home.

In this special episode of the Pronunciation Pro podcast, Annie opens the doors to one of her private coaching sessions—this time designed specifically for native Spanish speakers working to improve their English pronunciation.Annie walks you step-by-step through the exact lesson and daily practice exercises she used in a recent one-on-one training, giving you a clear roadmap for how you should be studying each day to build strong, confident, and clear English speech.You'll learn:The most common pronunciation challenges Spanish speakers face—and how to fix themDaily exercises that build muscle memory and long-term clarityHow to structure an effective study routinePractical tips for improving rhythm, stress, and sound accuracyAnnie's favorite strategies to overcome habits carried over from SpanishThis episode is packed with actionable guidance, helpful demonstrations, and encouragement tailored to Spanish-speaking learners. If you're ready to strengthen your pronunciation and speak English with greater clarity and confidence, this is an episode you won't want to miss!Annie also talks about how joining a supportive, structured program can help you stay committed—and now is the perfect time to take that step. Our Black Friday Sale is happening right now with 50% off our PRO+FLOW membership—for life! This is our best deal of the year, and it's the ideal opportunity to invest in yourself and your English confidence.If you're ready to take responsibility, take action, and take your English to the next level, don't wait. Offer ends November 30th.Sign up here: https://pronunciationpro.mykajabi.com/offers/NyDXpZoE/checkout?coupon_code=BLACKFRIDAY2025Don't forget to subscribe so you never miss an episode of helpful insights and expert advice from the Pronunciation Pro team.If you are interested in more pronunciation training, download the Pronunciation Pro app on the app store.Watch this podcast episode on YouTube here:⁠ https://www.youtube.com/@pronunciationpro⁠You can follow us on - Instagram: https://www.instagram.com/pronunciationpro/Facebook: https://www.facebook.com/PronunciationProLinkedIn:⁠https://www.linkedin.com/company/pronunciation-pro/⁠YouTube:⁠ https://www.youtube.com/pronunciationpro

Speaker or Performer: Mother Bhan Date of Delivery: November 30, 2025

Speaker or Performer: Shane Donohue Scripture Passage(s): Matthew 1:18-25 Date of Delivery: November 30, 2025

JP Dinnell examines the advice of Admiral William H. McRaven.  Get your free training from First In Nutrition: https://www.firstinnutrition.com/jppod More from JP Dinnell: https://www.jpdinnell.com/ Join the conversation on instagram JP Dinnell: http://instagram.com/jpdinnell/ Lucas Pinckard: https://www.instagram.com/lucaspinckard Bruiser Arms: https://www.instagram.com/bruiserarms Echelon Front: https://echelonfront.com/ Little Cattle Co: http://littlecattle.co On The Path Printing: https://www.instagram.com/onthepathprinting JP Dinnell is a former U.S. Navy SEAL and now a Leadership Instructor, Speaker and Strategic Advisor with Echelon Front, where he serves as Director of Experiential Leadership Training Programs. J.P. is also a pro team athlete and spokesperson for Origin Maine and Jocko Fuel, an American clothing and supplement company. J.P. has a signature Energy Drink flavor "Sour Apple Sniper" with Jocko Fuel. Jeremiah spent nearly a decade in the SEAL Teams with three combat deployments. Sent to the violent terrorist stronghold of Ar Ramadi, Iraq in 2006 with SEAL Team Three's Task Unit Bruiser, J.P. served as point man, machine gunner, and lead sniper for Delta Platoon opposite the American Sniper, Chris Kyle, who was in Charlie Platoon. For his leadership and courage under fire, JP was awarded a Silver Star, 2 Bronze Stars with Valor and the Army Commendation Medal with Valor helping Task Unit Bruiser to become the most highly decorated special operations unit of the Iraq War. He worked closely with SEAL Officers Jocko Willink, his Task Unit Commander, and Leif Babin, and was the driving force on many of the daring combat operations Jocko and Leif wrote about in Extreme Ownership. Upon his return, J.P. again worked directly for Jocko as a training instructor at Naval Special Warfare Group One Training Detachment, where he orchestrated realistic and challenging training scenarios for Special Operations Urban Combat training and Close Quarters Combat training to better prepare SEAL units for the real-world battlefield. He also served as a Combatives Instructor, Marksmanship Instructor and earned his Master Trainer Specialist qualification while helping Jocko rebuild and enhance these training programs into the highly effective platforms they are today. J.P. brings exceptional experience and frontline leadership perspective from the winning mindset and culture of Task Unit Bruiser.

Today's Masked Speaker SABOTAGED his annual work retreat and still feels guilty about it. Hear how he accidentally turned it into a nightmare weekend his boss will never forget!See omnystudio.com/listener for privacy information.