Podcasts about st thomas

In this episode of RCP Medicine Podcast, Dr Dale Seviar a Consultant Haematologist at Guy's and St Thomas' NHS Foundation Trust is welcomed by Dr Rebecca Kuruvilla, a previous RCP clinical education fellow and an ST7 Clinical Pharmacology and GIM registrar. Together, they discuss the management of sickle cell disease using a hypothetical case study, providing valuable insights and practical tips for medical professionals. Sickle cell disease is one of the fastest growing genetic conditions that there is, and it's likely that many of you will be exposed to people living with sickle cell. This episode aims to provide a comprehensive understanding of the condition, acute complications and management strategies.Resources Sickle Cell Disease - RCEMLearningRCEM_BPG_Sickle-Cell-Disease_v3.2.pdfInherited anaemias: sickle cell and thalassaemia - ScienceDirectOverview | Sickle cell disease: managing acute painful episodes in hospital | Guidance | NICEManagement of Acute Chest Syndrome in Sickle Cell DiseaseHemolytic transfusion reactions in sickle cell disease: underappreciated and pRCP Links Education and learning Events Membership Improving care Policy and campaigns RCP Social Media Instagram LinkedIn Facebook X Bluesky Music: Episode 50 onward - Bensound.com Episodes 1 - 49 'Impressive Deals' - Nicolai Heidlas

Brain Health In this episode of Join Up Dots, we welcome Dr. Sui H. Wong, a pioneering neurologist and neuro-ophthalmologist who's transforming the way we approach brain health. From her clinical work at Moorfields and Guy's & St Thomas' to founding the Brain Health Practice™, Dr. Wong blends cutting-edge science, holistic care, and entrepreneurial thinking in powerful ways. We explore what drives her mission to go beyond traditional medicine, how she balances an extraordinary workload, and why empowering patients is at the heart of everything she does. If you're ready to think differently about your brain, your health, and your potential—this one's for you. Share the inspiration using #JoinUpDots #BrainHealthRevolution #FutureOfWellbeing Don't forget to subscribe to the podcast and leave a review. Your feedback helps us reach more people and continue bringing you valuable content. See you in the next episode!

The final instalment of our series “Perioperative Pain Management” is a panel discussion where we answer the question: What are the various challenges and strategies in managing perioperative pain, particularly with regard to opioid use? The discussion covers the complexities of opioid de-escalation in preoperative periods, the benefits and risks of opioid-free anesthesia, and the use of multimodal approaches. We also touch on the coordination of patient care across multiple specialties and the impact of intraoperative practices on postoperative pain management and long-term opioid use. The session emphasizes the importance of patient education, consistent communication, and empowered collaboration among healthcare providers. The speakers on the panel are; Tim Miller, Professor of Anesthesiology at Duke University Medical Center, Fauzia Hasnie, Consultant Lead, Opioid Multidisciplinary Pain Management Clinic, Joint Lead, Combined Sickle-Opioid Virtual Multidisciplinary Clinic Guy's & St Thomas' NHS Foundation Trust, and Esteban Salas Rezola, Specialist in Anaesthesiology, Resuscitation and Pain Therapy at Hospital General Alicante. Chaired by John Whittle, Clinical Academic working in Perioperative Translational Medicine at UCL and Honorary Consultant in Perioperative Medicine, Anaesthesia and Critical Care at University College Hospitals London. The three presentations which accompany this piece are here: https://topmedtalk.libsyn.com/perioperative-pain-management-the-opioid-epidemic-and-opioid-reduction-strategies https://topmedtalk.libsyn.com/perioperative-pain-management-opioid-reduction-service https://topmedtalk.libsyn.com/perioperative-pain-management-opioid-sparing-analgesia-strategies-guided-by-nol-index

This parable is familiar.  But St. Thomas Aquinas, drawing on the Fathers of the Church, gives an interpretation that adds a new depth of understanding.  What are the mysteries hidden in this simple story?

It's been 20 years since the 7/7 attacks in London, which claimed the lives of 52 civilians and injured almost 800. Krupa Padhy talked to Gill Hicks, who was on the Piccadilly line Tube that morning and lost her legs in the blast, and nurse Kate Price, who was working in intensive care at St Thomas' Hospital. They discuss their memories of that day and the aftermath, as well as the lasting bond they have formed.An exhibition celebrating the life and work of renowned Australian artist Emily Kam Kngwarray has opened at the Tate Modern in London. Respectfully known as ‘the old lady' by her community, Emily didn't start painting on canvas until her 70s. Anita Rani talked to art curator Kelli Cole about Emily's paintings, which were inspired by her life as a senior Anmatyerr woman from the Sandover region of the Northern Territory of Australia.The TV presenter and autism advocacy campaigner, Christine McGuinness, is mother of three autistic children, and she received an autism diagnosis herself as an adult. She is highlighting new research that found that half of parents of children with disabilities surveyed said their child is excluded from play due to playgrounds being inaccessible to them. From Frank Sinatra to the Beatles, many of the biggest male stars built their early careers on the romantic appeal to young women. Bea Martinez-Gatell is author of Swoon, Fangirls, Their Idols And The Counterculture of Female Lust – From Byron To The Beatles. She joined Anita to explain that far from passive consumers, fangirls were actually tastemakers, visionaries and cultural disruptors.Fatima Timbo, known as Fats Timbo, is a content creator and comedian who has amassed an incredible 3 million followers on TikTok. Since appearing on TV show The Undateables in 2018, she's also been part of the team bringing us the Paralympics coverage from Paris last year. Born with achondroplasia, a form of dwarfism, she shares her tips for succeeding in a world where it's difficult to be different in her book Main Character Energy: Ten Commandments for Living Life Fearlessly. Katie Brayben is a two-time Olivier award winner for Best Actress in A Musical for Tammy Faye and Beautiful: The Carole King Musical. Now she is reprising the role of Elizabeth Laine in Girl From the North Country currently on stage at the Old Vic in London. Katie sang live in the studio. Presenter: Anita Rani Producer: Annette Wells Editor: Andrea Kidd

Cruise day 4. Nice results. All alone on the ship. St. Thomas.

In this episode of "Women Talk Money: The Summer Money Series," Aqura chats with Kimmoy, a senior content designer and world traveler, about her incredible money journey. Kim shares how growing up in St. Thomas shaped her money views and led her to a unique path of financial freedom through contract work.You'll hear how Kimmoy learned to save and invest early, even snagging Apple shares for under $10! She also opens up about financial setbacks and offers powerful advice on believing in your skills in the workplace. Get ready to be inspired to live life on your own terms!To learn more about 1:1 money coaching with Aqura ⁠⁠⁠⁠click ⁠here⁠⁠⁠⁠⁠. You will find all the details about money coaching, who it's for, what you will achieve and how to book a sales call to start working together. Subscribe to Surplus Living to have financial peace that outlasts payday. Make surplus living your new normal, so you can have up to $5,000 left over every month and keep it long after payday. Follow Aqura on Instagram ⁠⁠⁠⁠⁠@aquranicholson⁠⁠⁠⁠⁠. 

Fr. Perrin Atisha - Feast of St. Thomas 2025 by Chaldean Diocese

Fr. Joseph Nannoshi - Feast of St. Thomas 2025 by Chaldean Diocese

It's been 20 years since the 7/7 attacks in London, which claimed the lives of 52 civilians and injured almost 800. Krupa Padhy talks to Gill Hicks, who was on the Piccadilly line Tube that morning and lost her legs in the blast, and nurse Kate Price, who was working in intensive care at St Thomas' Hospital. They discuss their memories of that day and the aftermath, as well as the lasting bond they have formed.Ministers are facing calls to keep education plans for children and young people with special educational needs and disabilities. An EHCP is a legally binding document which ensures a child or young person with special or educational needs gets the right support from a local authority. In a letter to the Guardian newspaper, charities, campaigners and parents have said that without EHCPs in mainstream schools, "many thousands of children risk being denied vital provision, or losing access to education altogether". Krupa is joined by Branwyn Jeffries, the BBC's Education Editor, to explain what's been happening.Writer Bolu Babalola hit the bestseller lists with her debut collection of short stories, Love in Colour, which remixed ancient love stories for a new audience. Bolu joins Krupa to talk about her latest novel, Sweet Heat, a sexy romance about Kiki, whose stable life is thrown into disarray just as her first love Malakai comes back into her life. She explains she's a romance connoisseur and discusses the timeless appeal of the love story.There have been some shake-ups in the way netball is played in the UK recently. New teams, new rules, and a new venue for the Netball Super League Grand Final. The BBC's lead netball commentator Lindsey Chapman talks to Krupa about what happened in that final, and what impact the recent changes to the sport have had on matches.Presenter: Krupa Padhy Producer: Andrea Kidd

Feast of St. Thomas

Feast of St. Thomas

Fr. Pierre Konja - Feast of St. Thomas 2025 by Chaldean Diocese

In this episode, Liam sits down with legendary photographer and journalist Maggie St. Thomas. With a camera in hand, Maggie has spent decades capturing raw, unfiltered moments from music's most chaotic corners — from the grime of LA's underground punk scene to the haze-filled green rooms of hip hop royalty.We talk about her new book Subject: Punk, her childhood surrounded by music and mayhem, photographing the Ramones, Sublime, and yes — smuggling weed in a trench coat to photograph Snoop Dogg for High Times.Maggie also opens up about her time working in a crematorium, the emotional weight of documenting vulnerable artists, and why punk isn't just a sound — it's a way of being. Check out Maggie's work via this link

This week, we're revisiting a fascinating conversation on Slappin' Glass with the Head Coach of St. Thomas, Johnny Tauer! Originally recorded during the Tommies' transition from D3 to D1, Coach Tauer shares timeless insights on what truly wins at both levels. We also dive into discussions on intrinsic motivation, handling turnovers, managing over-eager parents, and teaching split cuts during the always entertaining "Start, Sub, or Sit?!"To join coaches and championship winning staffs from the NBA to High School from over 60 different countries taking advantage of an SG Plus membership, visit HERE!

Homily from the Mass offered on Thursday, July 3rd. To support the podcast financially, click here: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://stpiuscda.org/online-giving⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

For this episode of Health on the Line, we're joined by three expert guests to unpack the government's Ten-Year Health Plan, which has just been released. We'll be reflecting on the key elements of the plan – what it means for the health and care service and the kinds of shifts that will be needed for it to be successful. We also reflect on the current landscape that the plan lands in with changes within integrated care boards and acutes, in particular; the capacity needed to achieve the neighbourhood shift; and discuss what the barriers to success of the plan might be and how these could be overcome.Our guests for this episode are: Claire Fuller, GP and Primary Care Medical Director for NHS England Sam Allen, Chief Executive, North East and North Cumbria ICB Bill Morgan, former Number 10 health adviser Gubby-Ayida, chief executive of Evelina London's Women's and Children's Services, part of Guy's and St Thomas' NHS Foundation Trust is with us for our Leader in Six. Health on the Line is an NHS Confederation podcast, produced by HealthCommsPlus Hosted on Acast. See acast.com/privacy for more information.

⁠Join the Movement⁠⁠⁠⁠Today's transcript⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. We depend on donations from exceptional listeners like you. To donate, ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠click here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Daily Rosary Meditations is now an app! ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Click here for more info.⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠To find out more about The Movement and enroll: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.schooloffaith.com/membership⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Prayer requests⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ | ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Subscribe by email⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ | ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Download our app⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ | ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Donate⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

The St. Paul Center's daily scripture reflections from the Mass for the Feast of St. Thomas by Dr. Scott Hahn. Thomas, Apostle Feast First Reading: Ephesians 2: 19-22 Responsorial Psalm: Psalms 117: 1bc, 2 Alleluia: John 20: 29 Gospel: John 20: 24-29   Learn more about the Mass at www.stpaulcenter.com

Father speaks to us today about St Thomas on his feast day.

Friends of the Rosary,Today, July 3, is the Feast of St. Thomas, the Apostle.Thomas, who at first did not believe, became one of the first witnesses to the faith by expressing the fervor of his regained confidence in God, seeing the Man Christ and acknowledging His divinity: "My Lord and my God.""Because you have seen Me, Thomas, you have believed?" said the Lord.Doubting Thomas' weakness of faith reveals how God permits our faults for the sake of our soul's progress, for no mortal man can see divinity.The Lord permitted the apostle to doubt after the resurrection, but He did not abandon him in doubt.It is known that St. Thomas preached the Gospel in Asia beyond the frontiers of the Roman Empire, probably in Persia and possibly as far as India.Ave Maria!Jesus, I Trust In You!Come, Holy Spirit, come!To Jesus through Mary!Here I am, Lord; I come to do your will.Please give us the grace to respond with joy!+ Mikel Amigot w/ María Blanca | RosaryNetwork.com, New YorkEnhance your faith with the new Holy Rosary University app:Apple iOS | New! Android Google Play• ⁠July 3, 2025, Today's Rosary on YouTube | Daily broadcast at 7:30 pm ET

My Lord and my God

Ephesians 2: 19-22; John 20: 24-29; Haydock Commentary Please consider donating to help keep this podcast going by going to buymeacoffee.com/catholicdailybrief Also, if you enjoy these episodes, please give a five star rating and share the podcast with your friends and family

July 3rd, 2025:  St Thomas & A Gospel for the New World; From Doubt to Declaration; While We Have Time Let Us Do Good; Do not Doubt, but Believe; St Thomas - From Doubting to Daring

Cultural Connections with Father Mitch Pacwa S.J. Katie Daniel joins to talk over the SCOTUS ruling that can ban Medicaid funding for abortions. T's Two Sense looks at St. Thomas on his feast day. Plus, Chuck Gaidica visits with Teresa to talk how to have a healthy, holy, and happy holiday weekend!

The St. Paul Center's daily scripture reflections from the Mass for the Feast of St. Thomas by Dr. Scott Hahn. Thomas, Apostle Feast First Reading: Ephesians 2: 19-22 Responsorial Psalm: Psalms 117: 1bc, 2 Alleluia: John 20: 29 Gospel: John 20: 24-29   Learn more about the Mass at www.stpaulcenter.com

Psalm 19APsalm 64Psalm 97Reading 1: 1 Corinthians 4Reading 2: From a homily on the Gospels by St. Gregory the Great, popeSt. Helena Ministries is a registered 501(c)3 non-profit. Your donations are tax-deductibleSupport us at: sthelenaministries.com/supportPresentation of the Liturgy of the Hours (Divine Office) from The Liturgy of the Hours (Four Volumes) © 1975, International Commission on English in the Liturgy Corporation. The texts of Biblical readings are reproduced from the New American Bible © 1975

Night holds no terrors for me sleeping under God's wings.St. Helena Ministries is a registered 501(c)3 non-profit. Your donations are tax-deductibleSupport us at: sthelenaministries.com/supportPresentation of the Liturgy of the Hours (Divine Office) from The Liturgy of the Hours (Four Volumes) © 1975, International Commission on English in the Liturgy Corporation. The texts of Biblical readings are reproduced from the New American Bible © 1975

Fr Toby on what St Thomas, practically and experientially, teaches us about faith in the Resurrection.WORD FOR TODAY is broadcast live on Radio Maria on weekdays at 1:15pm and is rebroadcast at 12:15am and 5:45am the following day. In it our Priest Director Fr Toby offers a reflection, usually drawing from the Mass readings of the day. If you enjoyed this programme, please consider supporting us with a one-off or monthly donation. Visit RadioMariaEngland.uk/donations/ to find out more. It is only through the generosity of our listeners that we are able to be a Christian voice by your side.

Why did Thomas doubt the resurrection? - Fr. Lucas Laborde. Click here for today's readings.What are your own struggles with faith? Do you struggle because it's hard to believe God can do certain things? Or do you struggle that God has chosen this particular way to convey faith to us? Can you relate to Thomas' struggles – his jealousy, the comparison with others, his impulsiveness?

Starting the morning off with God is the key to strength and success in your day!Join me in praying the Catholic morning offering, as well as hear meditations, learn about the saint of the day,  and hear today's Scripture readings from Holy Mass.To sign up to receive a daily email of the Morning Offering through The Catholic Company, go to https://www.morningoffering.com/Excerpts from the English translation of The Roman Missal © 2010, International Commission on English in the Liturgy Corporation. All rights reserved.The Morning Glory Consecration Prayer is excerpted from "33 Days to Morning Glory:  A Do-It-Yourself Retreat in Preparation for Marian Consecration" by Michael E. Gaitley, MIC, © 2011 Marian Fathers of the Immaculate Conception of the B.V.M., p. 137.If you have any comments, please email me at Deanna.pierre25@gmail.com.Support the show

3 July 2025

"We act how we feel" what a truthbomb! But how do you feel? How do you feel about yourself? Listen in as we dive deep into acceptance, gratitude so we relish ourselves.Kelly has extensive experience as a Family Support Coach with Children's Home Society and has also served as the co-leader of Bellis' innovative Tuesday morning peer-support group for women addressing the grief of no longer parenting their children. She was recently appointed to the inaugural State Board of Appellate Counsel and Training in MN. Kelly has an M.Ed. degree with licensure in Parent and Family Education (U of M Twin Cities) as well as a Graduate Licensure in Secondary Education from the University of St Thomas.https://www.linkedin.com/in/kelly-tronstad-05934b198/https://www.mybellis.org/https://www.facebook.com/MyBellisCommunity/ Guests and the host are not (unless mentioned) licensed pscyho-therapists and speak from their own opinion only. Seek qualified advice if you need help.

Ephesians 2:19-22 (Built on the foundation of the Apostles)

Psalm 63Canticle: Daniel 3Psalm 149Reading: Ephesians 2Intercessions: The company of apostles praises you, O LordSt. Helena Ministries is a registered 501(c)3 non-profit. Your donations are tax-deductibleSupport us at: sthelenaministries.com/supportPresentation of the Liturgy of the Hours (Divine Office) from The Liturgy of the Hours (Four Volumes) © 1975, International Commission on English in the Liturgy Corporation. The texts of Biblical readings are reproduced from the New American Bible © 1975

Psalm 19APsalm 64Psalm 97Reading 1: 1 Corinthians 4Reading 2: From a homily on the Gospels by St. Gregory the Great, popeSt. Helena Ministries is a registered 501(c)3 non-profit. Your donations are tax-deductibleSupport us at: sthelenaministries.com/supportPresentation of the Liturgy of the Hours (Divine Office) from The Liturgy of the Hours (Four Volumes) © 1975, International Commission on English in the Liturgy Corporation. The texts of Biblical readings are reproduced from the New American Bible © 1975

In this piece we look at the opioid crisis in the UK and how it has translated into clinical practice. Hear about the history and data behind opioid prescription trends, specifically highlighting the high-risk patient demographics and mortality figures associated with opioid use. Learn how a multidisciplinary approach, taken by the opioid reduction service at Guy's & St. Thomas', helps showcase early outcome data and the strategies employed in opioid weaning. Emphasizing the importance of patient engagement and personalized care we detail the clinic's processes, preparations, and long-term strategies for opioid tapering. The episode concludes with a compelling patient testimonial video reflecting the positive outcomes of the service. Fauzia Hasnie, Consultant Lead, Opioid Multidisciplinary Pain Management Clinic, Joint Lead, Combined Sickle-Opioid Virtual Multidisciplinary Clinic Guy's & St Thomas' NHS Foundation Trust. Resources: UK National Institute for Health Care Excellence (NICE) guidelines: Overview | Medicines associated with dependence or withdrawal symptoms: safe prescribing and withdrawal management for adults | Guidance | NICE US Centers for Disease Control and Prevention (CDC): Guideline Recommendations and Guiding Principles | Overdose Prevention | CDC

Two of the fastest growing educational methods in the United States today are home-schooling and classical education. St. Thomas Classical Academy in Des Moines combines both of these, along with a strong Catholic identity to create an incredible learning environment for our students and families.Iowa Catholic Radio Network Shows: - Be Not Afraid with Fr. PJ McManus - Catholic Women Now with Chris Magruder and Julie Nelson - Making It Personal with Bishop William Joensen - Man Up! with Joe Stopulus - The Catholic Morning Show with Dr. Bo Bonner - The Daily Gospel Reflection with Fr. Nick Smith - The Uncommon Good with Bo Bonner and Dr. Bud Marr - Faith and Family Finance with Gregory Waddle Want to support your favorite show? Click Here

Le 7 août 2024, Rémi signe une promesse de vente pour céder sa voiture au gérant d'une société de parkings. À partir de cette date, l'homme s'engage à verser 2000€ par semaine pour atteindre la somme de 40.000€. L'acheteur paye bien la première traite. Sauf que derrière, il ne verse plus rien... JB Nicolle, rédacteur en chef adjoint de l'émission, revient sur son enquête et ses espoirs pour l'évolution du dossier ! Au micro de Chloé Lacrampe, un membre de l'équipe de "Ça peut vous arriver" revient sur les négociations difficiles et les moments off de ces 2h d'antenne !Distribué par Audiomeans. Visitez audiomeans.fr/politique-de-confidentialite pour plus d'informations.

Sunday Worship for June 15, 2025, from Queen Anne Lutheran Church in Seattle, our 10:00 service—Pastor Dan Peterson; Guest Organist Sean Conners.O God Beyond All Praising, arr. Mark Hayes • Gathering Hymn —The Play of the Godhead (ACS 946) • First Reading— Proverbs 8:1-4, 22-31 • Second Reading—Romans 5:1-5 • Gospel—John 16:12-15• Sermon—Pastor Dan Peterson • Hymn of the Day— Womb of Life and Source of Being, ACS 948 • Communion Verse—Acts 2:2,4 • Distribution Hymn—Draw Us in the Spirit's Tether, (ELW 470)  • Sending Hymn —Voices Raised to You, (ELW 845) • Postlude —Postlude and Fanfare on ST THOMAS,  Douglas Wagner  ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Link here to view the bulletin.⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Enjoying our worship recordings? Consider giving a gift to our church; ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠go to this link.⁠⁠

Dr Hugh Selsick is a consultant psychiatrist treating adults with sleep disorders, he has been involved in Sleep and Sleep Medicine for nearly 30 years. He has also founded and ran the Insomnia and Behavioural Sleep Medicine Clinic at UCLH, having worked for over a decade in the Sleep Disorders Centre at Guy's & St Thomas' Hospitals. Dr. Selsick founded and chaired the Sleep Special Interest Group in the Royal College of Psychiatrists and he is a past president of the Sleep Section at the Royal Society of Medicine. He has expertise in treating all sleep disorders and has a special interest in the management of insomnia, nightmares, circadian rhythm disorders and restless legs.Today we discuss:- The serious impact of insomnia on quality of life - Definition, causes, and prevalence of insomnia - Overview of sleep disorders: insomnia, hypersomnia, sleep apnea, circadian disorders, parasomnias, movement disorders- CBT for insomnia... and much more!Interviewed by Dr. Anya Borissova - Give feedback here - thinkingmindpodcast@gmail.com Follow us here: Twitter @thinkingmindpod Instagram @thinkingmindpodcast Tiktok - @thinking.mind.podcast Give feedback here - thinkingmindpodcast@gmail.com Follow us here: Twitter @thinkingmindpod Instagram @thinkingmindpodcastGive feedback here - thinkingmindpodcast@gmail.com Follow us here: Twitter @thinkingmindpod Instagram @thinkingmindpodcast

Professor Claire Harrison from the Guy's and St Thomas' NHS Foundation Trust in London, United Kingdom, and Dr John Mascarenas from The Tisch Cancer Institute in New York, New York, provide their perspectives on relevant new clinical data in myelofibrosis and discuss their application to treatment. CME information and select publications here.

Figures like Andrew Tate and Jordan Peterson regularly pop up in news headlines and the stories about them are rarely good - yet they offer easy solutions to the question of what it means to be a young man in 2025. Now, thirteen South Island boys schools are teaming up to share resources and provide an alternative sense of belonging for their students. Steve Hart is the principal of St Thomas of Canterbury College Christchurch and is the man behind the project. He speaks to Mark Leishman.

Today's episode features Dr. Nicolas McAfee, the Postdoctoral Teaching Fellow at the Center for Thomas More Studies who, in the fall, will join the faculty of Christendom College as Assistant Professor of Political Science and Economics, and Dr. Shaun Rieley, the Director of Educational Programs & Teaching Fellow at Hillsdale College's Washington, DC, campus. The episode shares their May 20th, 2025, conversation in our Lyceum Auditorium on the following topic: “Prudence and Patriotism: St. Thomas More's Dynamic Approach.”   

Eagan, MN Native, St. Thomas Academy Cadet, Green Bay Gambler, Michigan Wolverine and current member of the Vegas Golden Knights organization - Jackson Hallum. Jackson takes us through his developmental years, how he worked to overcome a torn ACL, his time at Michigan and what he looks forward to while joining the Golden Knights this summer!Chippewa SteelIf you're looking for a great night of hockey, a Steel game is the place to be. Chippewa Valley Ortho and Sport MedicineDedicated and committed to the health care needs of patients in Western Wisconsin since 1954. Hertel LawThe law firm you want on your side. Focusing on criminal defense and personal injury.Ryan Flaig - State FarmServing Eau Claire, Altoona, Fall Creek, Fairchild, Augusta, Osseo, Eleva, Strum, MondoviDooley's PubThe place to go for a traditional Irish pub experience with quality food good prices and beveragesThe Shop - St. PaulThe Shop of St. Paul, MN is a full service automotive repair shop for all your repair needsDisclaimer: This post contains affiliate links. If you make a purchase, I may receive a commission at no extra cost to you.@TheBOSPodwww.thebreakoutsessions.com

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

This week's The Summit League Segment highlights the University of St. Thomas and includes an interview with All-Summit League senior distance runner Molly Desotell. Plus highlights of this past week's Kwik Star Summit League Peak Performers, news from around The Summit League, and more