Podcasts about Statistics

"When you face bad economic numbers, you've got two choices: fix the economy or attack the numbers," says University of Michigan economist Justin Wolfers. Today, we'll discuss what to make of how the Bureau of Labor Statistics collects data on jobs and inflation, as well as the doubts cast on BLS under the second Trump administration. But first, grocery prices jumped in August. Thing is, tariffs aren't to blame.

"When you face bad economic numbers, you've got two choices: fix the economy or attack the numbers," says University of Michigan economist Justin Wolfers. Today, we'll discuss what to make of how the Bureau of Labor Statistics collects data on jobs and inflation, as well as the doubts cast on BLS under the second Trump administration. But first, grocery prices jumped in August. Thing is, tariffs aren't to blame.

The editors open with an analysis of the killing of Ukrainian refugee Iryna Zarutska by a repeat violent offender, and discuss what it reveals about crime, media spin, and a legacy media more fixated on “Republicans pouncing” than the literally pouncing criminal himself. Follow-up discussion ranges from Europe's disappearing crime stats to the Bureau of Labor Statistics's downward revision of nearly a million jobs during the Biden presidency, probing whether institutions still merit public trust and what a reality-based politics on immigration, safety, and the economy might look like. The editors also touch on an immigration sweep at a Georgia battery plant and the gap between GDP and lived experience before closing with fresh culture picks.Culture recommendations:* The Name of the Rose* Last Summer Boys* Alien: Earth* How to Be a Better Drinker: Cocktail Recipes and Boozy Etiquette This is a public episode. If you would like to discuss this with other subscribers or get access to bonus episodes, visit claremontinstitute.substack.com

Today we talk about measuring IPv6 and IPv6 statistics. We talk about why it’s useful to measure IPv6, how to track v6 deployment initiatives, and tools to help with your measurements. Episode Links: Google IPv6 – Google IPv6 Global Statistics Dashboard IPv6 Enabled – Hexabuild Episode Transcript: This episode was transcribed by AI and lightly... Read more »

Can AI be used to improve patient experiences? This week, Technology Now explores how AI is being used to streamline data collection in the healthcare industry, how data should be treated to avoid bias in AI, and the benefits this brings to patients. Derek B. Howard, Programme Manager for the HPE Digital Health Foundry Programme, tells us more.This is Technology Now, a weekly show from Hewlett Packard Enterprise. Every week, hosts Michael Bird and Aubrey Lovell look at a story that's been making headlines, take a look at the technology behind it, and explain why it matters to organizations.About Derek B. Howard:https://www.linkedin.com/in/derek-howard1/Sources:https://www.britannica.com/technology/MYCINhttps://www.mghlcs.org/projects/dxplainhttps://www.cedars-sinai.org/discoveries/ai-ascendance-in-medicine.html

During this week's episode of the Oakley Podcast, Jeremy and guests—including Frank Lancaster from Netradyne—explore the transformative role of camera technology in the trucking industry. They discuss how AI-powered cameras not only monitor and improve driver safety through real-time feedback and gamification but also provide crucial video evidence that helps reduce litigation and insurance costs. The conversation also features real-life success stories, data-driven results, and insights into driver acceptance, while also addressing privacy concerns and the expanding use of such technology beyond trucking. Key takeaways include the importance of positive reinforcement in safety programs, the value of transparent communication with drivers, the significant impact of technology on fleet safety and operational efficiency, and so much more. Key topics in today's conversation include:Welcome to Today's Episode on Technology and Safety (1:08)Guest Introduction: Frank Lancaster (3:25)Background on Netradyne and its Mission (4:45)How the Driver App and Scoring System Works (7:00)Driver Reactions and Gamification (9:48)Changing Driver Habits and Safety Meetings (13:27)Accident Evidence and Quick Video Access (18:28)New Features and AI Video Search (21:51)Fleet Safety Improvements and Statistics (23:29)Camera Installation and Side Camera Expansion (26:53)Overcoming Resistance and Driver Acceptance (30:40)Litigation Reduction and Fraud Prevention (33:40)Continuous Innovation and Driver-Focused Features (36:00)Final Thoughts and Takeaways (41:13)Oakley Trucking is a family-owned and operated trucking company headquartered in North Little Rock, Arkansas. For more information, check out our show website: podcast.bruceoakley.com.

Hour 3 Audio from WGIG-AM and FM in Brunswick, GA

ACTION NEWS!!! Is your source for news on the #Bitcoin mining scene! Statistics, #Bitcoinmining news, energy market alpha, comedy relief and as always, witty banter between Jon and Max. The clothing store is back up online! Gear up with the Pleb Miner HoodieShow NotesStop Cucking: Proto Miner AnalysisWinter is coming! Time to heat your home.BOOSTSKris from Altair Tech | Pleb Miner in the WildHis Mining StoryWorking at AltairThe New Canaan MachinesSeal Miner on the SceneWe begin this episode as we do all shows, by communicating with all of you via podcasting 2.0 boosts. Be sure to Boost on the podcasting 2.0 app of your choice. At Ungovernable Misfits we offer a feature rich podcasting 2.0 experience. ACTION NEWS!!! Has ACTION PACKED SponsorsLincoin MiningLōD.ioAltair Bitcoin Mining Solutions use promo code: UNGOVERNABLEBit ChimneyBitAxeUrlacherS21Lake Satoshi Bitcoin Beach Retreat Fuck The System and come to Lake SatoshiSee you next time! … F@%CKERS!!!IMPORTANT LINKS https://freesamourai.comhttps://p2prights.org/donate.htmlhttps://ungovernablemisfits.comVALUE FOR VALUEThanks for listening you Ungovernable Misfits, we appreciate your continued support and hope you enjoy the shows.You can support this episode using your time, talent or treasure.TIME:- create fountain clips for the show- create a meetup- help boost the signal on social mediaTALENT:- create ungovernable misfit inspired art, animation or music- design or implement some software that can make the podcast better- use whatever talents you have to make a contribution to the show!TREASURE:- BOOST IT OR STREAM SATS on the Podcasting 2.0 apps @ https://podcastapps.com- DONATE via Paynym to JON @ https://paynym.rs/+idealpresident82- DONATE via Monero @ https://xmrchat.com/ugmf- BUY SOME STICKERS @ https://www.ungovernablemisfits.com/shop/(00:00:00) INTRO(00:08:38) BOOSTS(00:19:26) Proto Miner Propaganda(00:31:36) Barn Jerky Management(00:33:46) Don't Over Engineer (Lessons From My 8th Season)(00:45:57) PLEB MINER IN THE WILD(00:46:59) Kris from Altair Tech | PLEB MINER IN THE WILD(00:49:13) Your Mining Journey | PLEB MINER IN THE WILD(00:52:39) Moar Mines | PLEB MINER IN THE WILD(00:57:46) Joining Altair | PLEB MINER IN THE WILD(00:59:46) Canaan is Killing It | PLEB MINER IN THE WILD(01:05:22) Seal is for Real | PLEB MINER IN THE WILD(01:07:03) Boring Ass Username

In this week's episode, the first of Season 7,  Greg and Patrick argue about whether the number seven is a propitious or an inauspicious omen for the new season. They then explore ways we can spice up our relationship in hopes of avoiding the Seven Year Itch. Along the way they also discuss t-shirt wearing dogs, Mickey Mantle, the seven deadly sins, Akira Kurosawa, the Boeing triple-seven, menage-a-pods, unwritten books, El Duderino, mmmmmmaybe, I see dead people, ROYGBIV, Ozzy Man, dodgy cats, short cons and long cons, and Tate's study group. Stay in contact with Quantitude! Web page: quantitudepod.org TwitterX: @quantitudepod YouTube: @quantitudepod Merch: redbubble.com

In this episode Hecate discusses why menstruation can be triggering for survivors, especially for those who have been assaulted during their periods. Hecate provides statistics from medical studies indicating that a significant percentage of SA survivors were menstruating at the time of their assault. The combined social stigmas against speaking about SA and menstruation mean this is an experience that is not being talked about enough, leading to even greater feelings of isolation and shame. The episode also addresses some of the challenges of managing periods post-trauma, and different menstrual products through a survivor's lens. With personal anecdotes and research-backed insights, this episode aims to provide a voice to the often unspoken and overlooked intersection of menstruation and SA trauma. Hecate hopes this episode will help other survivors who have had this experience feel less alone.Tw/Cw: SA (and some details of assaults), R*pe, PTSD, menstruation, substances, and strong language.Links and References:Cardenas, K., Wiersma, G., Dykema, J., Rossman, L., Fedewa, J., & Jones, J. S. (2011). 279 impact of the victim's menstrual cycle phase on genital injuries following sexual assault. Annals of Emergency Medicine, 58(4). https://doi.org/10.1016/j.annemergmed.2011.06.309 Gollapudi, M., Thomas, A., Yogarajah, A., Ospina, D., Daher, J. C., Rahman, A., Santistevan, L., Patel, R. V., Abraham, J., Oommen, S. G., & Siddiqui, H. F. (2024). Understanding the interplay between premenstrual dysphoric disorder (PMDD) and female sexual dysfunction (FSD). Cureus, 16(6). https://doi.org/10.7759/cureus.62788 Noll, J. G., Trickett, P. K., Long, J. D., Negriff, S., Susman, E. J., Shalev, I., Li, J. C., & Putnam, F. W. (2017). Childhood sexual abuse and early timing of puberty. Journal of Adolescent Health, 60(1), 65–71. https://doi.org/10.1016/j.jadohealth.2016.09.008 Vu, A., Moaddel, V., Emmerich, B., Rossman, L., Bach, J., Seamon, J., Barnes, M., Ouellette, L., & Jones, J. (2023). Association between the victim's menstrual cycle phase and genital injuries following sexual assault. Clinical Journal of Obstetrics and Gynecology, 6(2), 038–042. https://doi.org/10.29328/journal.cjog.1001127 *Thank you again to my sister Chie for their invaluable help with research and citations!*Articles about the heavy metals found in tampons: https://factor.niehs.nih.gov/2024/8/feature/3-feature-metals-in-tamponshttps://publichealth.berkeley.edu/articles/spotlight/research/first-study-to-measure-toxic-metals-in-tampons-shows-arsenic-and-leadhttps://www.sciencedirect.com/science/article/pii/S0160412024004355#:~:text=Across%20those%20studies%2C%20a%20range,et%20al.%2C%202022).Lucky Iron Fish: https://luckyironlife.com/?srsltid=AfmBOorbSgfTM6sE3c6r-IRy3MNC0u-i8v-S4-s5lkZPo89aSCXJvEfjFinding OK: https://www.finding-ok.com/Hecate's Links: https://linktr.ee/FindingOK Support the Podcast and become a Patreon member!https://www.patreon.com/c/HecateFindingOKFinding OK is funded entirely by generosity of listeners like you!https://www.finding-ok.com/support/Music is "Your Heart is a Muscle the Size of Your Fist" used with the personal permission of Ramshackle Glory. Go check out their music!https://open.spotify.com/artist/0qdbl...Timestamps:00:00 Introduction and Trigger Warnings01:17 Menstruation and Trauma07:47 Challenges with Sanitary Products12:14 Personal Experiences of Assault During Menstruation15:58 Statistics and Research on Assault During Menstruation21:01 Triggers and Coping Mechanisms32:08 Conclusion and Support3Support the show

The brothers in Prince Be & DJ Minutemix that make up the duo P.M Dawn have been - in hindsight - a marketing casualty. They forever hold the record of being the first African American Hip-Hop act to get No.1 on Billboard. But whilst that track & their debut album traffic in a Hip-Hop fusion, their works after that lean much more into R&B, creating a discography built on fluidity, deep lyrics and unfortunately, an American audience that probably never understood them.TIMESTAMPS:Weekly Music Roundup - (0:48)Ben:Curren$y - 8/30Charlie:Yeza & Rorystonelove - Star Of The EastBraxton Cook - Not Everyone Can GoAmaarae - BLACK STARRich Brian - WHERE IS MY HEAD?Robert Glasper - Code Derivation Shing02 - 抒情詩歌/JOJOSHIKAD Smoke - Wake Up SupaRuby Francis - Pages of PhilosophyRakim - The RE-UP Nova Twins - Parasites & Butterflies Chip Wickham - The Eternal NowEl Michels Affair - 24 Hr SportsCurren$y - 8/30Topic Intro/Ben's Research House - (14:37)Of the Heart, of the Soul and of the Cross: The Utopian Experience - (20:18)The Bliss Album...? - (31:39)Jesus Wept - (40:34)Dearest Christian, I'm So Very Sorry for Bringing You Here. Love, Dad - (47:22)Fucked Music - (55:58)Lighter Note - (1:11:16)Thanks for listening. Below are the Social accounts for all parties involved.Music - "Pizza And Video Games" by Bonus Points (Thanks to Chillhop Music for the right to use)HHBTN (Twitter & IG) - @HipHopNumbers5E (Twitter & IG) - @The5thElementUKChillHop (Twitter) - @ChillhopdotcomBonus Points (Twitter) - @BonusPoints92Other Podcasts Under The 5EPN:"What's Good?" W/ Charlie TaylorIn Search of SauceBlack Women Watch...5EPN RadioThe Beauty Of Independence

In this episode of the Daughter Podcast, Oscar discusses the critical and heart-wrenching issue of child exploitation and sexual abuse, particularly by biological fathers. Oscar shares his personal reflections as a father and discusses recent events and disturbing statistics revealed by sources like the Sean Ryan Show. The episode highlights the importance of fathers being protectors rather than predators, emphasizes the need for greater awareness and prevention efforts, and encourages listeners to support relevant causes. Oscar urges dads to trust their instincts and be vigilant in safeguarding all children, particularly their daughters. Daughteredpodcast.com Oscar on Instagram Few Will Hunt. 10% OFF use GIRLDAD The Shawn Ryan Show: Tim Tebow Episode #199 The Tim Tebow Foundation   00:00 Introduction to the Daughter Podcast 00:23 The Role of Families in Child Protection 00:56 Heartbreaking Realities of Child Abuse 01:42 Personal Reflections on Fatherhood 02:54 The Prevalence of Predators 03:06 Roblox Controversy and Online Safety 05:22 Statistics and the Need for Awareness 06:19 Call to Action for Fathers 07:57 Conclusion and Resources

Statistics reveal that a significant number of young athletes feel intense pressure from parents, with up to 45% leaving sports due to this pressure and 70% experiencing sports-related stress or anxiety. Kevin Reid, a Monroe native, co-wrote an insightful book called The Sideline, the Clipboard and the Whistle. It's a story about raising a daughter all the way from her first youth soccer game to Division 1 college athletics, and doing it without losing your mind or your relationship along the way. For book purchase: https://www.amazon.com/Sideline-Clipboard-Whistle-Sidelines-Scholarships-ebook/dp/B0FJVYD3DK Image Credit: Getty Images

Discover the two inflation reports due out this week. Are you on track for financial freedom...or not? Financial freedom is a combination of money, compounding and time (my McT Formula). How well you invest can make the biggest difference to your financial freedom and lifestyle. If you invested well for the long-term, what a difference it would make because the difference between investing $100k and earning 5 percent or 10 percent on your money over 30 years, is the difference between it growing to $432,194 or $1,744,940, an increase of over $1.3 million dollars. Your compounding rate, and how well you invest, matters!  INVESTING IS WHAT THE BE WEALTHY & SMART VIP EXPERIENCE IS ALL ABOUT - Invest in digital assets and stock ETFs for potential high compounding rates - Receive an Asset Allocation model with ticker symbols and what % to invest -Monthly LIVE investment webinars with Linda 10 months per year, with Q & A -Private VIP Facebook group with daily community interaction -Weekly investment commentary -Extra educational wealth classes available -Pay once, have lifetime access! NO recurring fees. -US and foreign investors are welcome -No minimum $ amount to invest -Tech Team available for digital assets (for hire per hour) For a limited time, enjoy a 50% savings on my private investing group, the Be Wealthy & Smart VIP Experience. Pay once and enjoy lifetime access without any recurring fees. Enter "SAVE50" to save 50% here: http://tinyurl.com/InvestingVIP Or set up a complimentary conversation to answer your questions about the Be Wealthy & Smart VIP Experience. Request an appointment to talk with Linda here: https://tinyurl.com/TalkWithLinda (yes, you talk to Linda!). SUBSCRIBE TO BE WEALTHY & SMART Click Here to Subscribe Via iTunes Click Here to Subscribe Via Stitcher on an Android Device Click Here to Subscribe Via RSS Feed LINDA'S WEALTH BOOKS 1. Get my book, "3 Steps to Quantum Wealth: The Wealth Heiress' Guide to Financial Freedom by Investing in Cryptocurrencies". 2. Get my book, “You're Already a Wealth Heiress, Now Think and Act Like One: 6 Practical Steps to Make It a Reality Now!” Men love it too! After all, you are Wealth Heirs. :) International buyers (if you live outside of the US) get my book here. WANT MORE FROM LINDA? Check out her programs. Join her on Instagram. WEALTH LIBRARY OF PODCASTS Listen to the full wealth library of podcasts from the beginning.  SPECIAL DEALS #Ad Apply for a Gemini credit card and get FREE XRP back (or any crypto you choose) when you use the card. Charge $3000 in first 90 days and earn $200 in crypto rewards when you use this link to apply and are approved: https://tinyurl.com/geminixrp This is a credit card, NOT a debit card. There are great rewards. Set your choice to EARN FREE XRP! #Ad Protect yourself online with a Virtual Private Network (VPN). Get 3 MONTHS FREE when you sign up for a NORD VPN plan here.  #Ad To safely and securely store crypto, I recommend using a Tangem wallet. Get a 10% discount when you purchase here. #Ad If you are looking to simplify your crypto tax reporting, use Koinly. It is highly recommended and so easy for tax reporting. You can save $20, click here. Be Wealthy & Smart,™ is a personal finance show with self-made millionaire Linda P. Jones, America's Wealth Mentor.™ Learn simple steps that make a big difference to your financial freedom.  (This post contains affiliate links. If you click on a link and make a purchase, I may receive a commission. There is no additional cost to you.)

Bobby and Alex discuss some exciting news about the SECOND time the podcast has been sold this year (1:00). Then, they're joined by friend of the show Lindsay Zoladz to, once and for all, dissect what makes the perfect walk-up song (15:00). Finally, they're joined by Ryland Heagy of Origami Angel to discuss nothing but straight ball (1:18:45).Buy one get one 50% off at ⁠Connect Coffee Roasters⁠!Links:Listen to Origami Angel!⁠⁠⁠Join the Tipping Pitches Patreon ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Tipping Pitches merchandise ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Call the Tipping Pitches voicemail: 785-422-5881Tipping Pitches features original music from Steve Sladkowski of PUP.

Part Three - Coach Kevin Clancy gives his advice for coaches and discusses practices.Basketball coach and statistics guru, Kevin Clancy discusses his coaching experiences, his coaching style, and trends he sees. Most importantly, he discusses how the use of stats can help teams play to their strengths and mask their weaknesses. Kevin has statistical knowledge from every level - from youth to professional, helping high school teams to Mississippi State in the SEC.Coach Clancy can be found on X @TheOneKevClancyUnited Basketball+ is hosting the 2025 Hoosier Gym Clinic in Knightstown, IN on September 27. We have 4 great coaches and other coaching resources lined up to present! The clinic is only $30 for members, $50 for non members. Use the code HoosierSpecial for $10 off! Sign up here:https://unitedbasketballplus.com/united-basketball-hoosier-gym-coaches-clinic/United Basketball+ is a resource for coaches, teachers, players, and leaders. If you want to improve your knowledge as a coach, teacher, player or leader, join the community today!https://unitedbasketballplus.com/register/ub-plus-annual-membership/Follow United Basketball+ on X @unitedbballplusLet's grow the game!

In this episode, Jeff Blumberg reveals the essential statistics every dental office must track—plus how to use them weekly to spot problems early, boost efficiency, and keep your team accountable.  The MGE Power Program - https://www.mgeonline.com/power-program  ABC Communication & Sales Seminars - https://www.mgeonline.com/abc  Dental Office Statistics Handout - https://www.mgeonline.com/dental-office-statistics/     

Listen to today's podcast... I find it sad that we are often more polite to strangers then we are to the people we love the most. Statistics show that about ninety percent of adults will get married at least once in their lives, but many of them get disappointed because in the end, it is not the stuff that fairy tales are made of. I think that I have a healthy marriage. Is it perfect? No. We are loud, and we go to bed angry, but not very often. We know that a happy, healthy marriage is created. It doesn't just happen. Take One Action Today To Build Your #Resiliency!      Here are my Tips For Building Resiliency and Celebrating Health Marriage Month: Know that marriage is more than love and passion. It's about commitment, respect, and believing in your future together. Marriage is not fifty-fifty. It's two people giving all of themselves to each other. And finally. never compare your marriage to others. What you see on the outside is not always what is on the inside. Looking for more health and wellness celebrations? Check out my wellness calendar under resources and courses at WorkSmartLiveSmart.com. If you like today's wellness tips, let me know. You can leave me a review on amazon or through your #alexa app. #mentalhealth #hr

Nick tweeted out a ridiculous statistic over the weekend and it involves Nebraska's Special Teams unit - September 8th, 10:25amAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

Victoria shares her powerful journey from working in an OnlyFans agency to finding faith in Jesus. She exposes the dark side of the adult industry, discussing the false sense of intimacy created by OnlyFans and the struggles many women face in that world. After a radical encounter with Jesus, she left the industry, emphasizing the importance of healing, vulnerability, and the need for men to pursue integrity. Victoria's story serves as an inspiration for those struggling with addiction and seeking redemption.   DCIC Always – Join The Brotherhood (and get coached by Sathiya) For Less Than $2/day   Want to know more about Victoria:  Follow Victoria on Instagram   Follow Victoria on TikTok Join Victoria on Youtube   Know more about Sathiya's work: Submit Your Questions (Anonymously) To Be Answered On The Podcast TLR Always – Get A Free Copy of The Last Relapse, Your Blueprint For Recovery Watch Sathiya on Youtube For More Content Like This   Chapters: (00:00) Welcome & Guest Intro (00:55) From OF Agency Manager to Jesus Follower (02:10) First Exposure to Porn at 25 (05:15) How OnlyFans Agencies Really Work (07:50) The “Girlfriend Experience” Training (10:25) Pay-Per-View, Custom Requests & The Vault (13:20) Why Younger Looking = More Money (15:55) Are Underage Users on OnlyFans? (18:05) The Subtle Escalation Strategy for Creators (21:00) Married Men on OF: 89% Statistic (23:15) The Industry Is Consuming You (26:40) Targeting Men's Weaknesses with Social Media (31:35) Why Married Men Keep Coming Back (36:05) The Illusion of OF Riches for Women (45:10) Mental Health Costs & Long-Term Consequences (50:15) When the Job Turned Heavy (56:30) Radical Encounter with Jesus (1:04:40) Quitting the Industry in 5 Days (1:07:20) Sober & Baptized in 8 Weeks (1:12:15) Backlash from the OF World

If current trends continue, the rate of diabetes in young people could increase by 700% by 2060 - one in three Americans born in 2000 or after will eventually have diabetes! And don't miss the following topics that Terry will also discuss on this show: Gut Health and Mental Function New Study on Adverse Effects of Acid-Blocking Medication Young People with Dementia

Suicide is the leading cause of death for Australians aged 15 to 44.

In today's fast-paced culture, the generational divide can feel wider than ever. Parents and grandparents long to pass on a vibrant faith, but too often wonder if their words will land—or if younger hearts are even listening. Statistics paint a sobering picture: nearly 70% of young adults raised in the church walk away as they enter adulthood. But this isn't just a statistic. It's a wake-up call to reclaim the power of spiritual legacy.  In this episode, host Patti Garibay sits down with Kate and Mike Battistelli—parents to Grammy Award-winning artist Francesca Battistelli and faithful disciplers with a passion for legacy building. Together, they share powerful insights on how families can bridge the gap between generations, cultivating authentic connections that lead daughters and granddaughters to encounter Jesus for themselves.  With wisdom drawn from both triumphs and trials, Kate and Mike reveal what spiritual legacy really looks like: everyday faithfulness, intentional mentoring, and a willingness to model surrender in a world that prizes independence. From the father's role in guiding and anchoring faith, to the Titus 2 calling for women to mentor the next generation, their conversation is a clarion call for every believer to show up, stay present, and speak life across generational lines.  Whether you feel overlooked as an older mentor, hesitant as a younger parent, or simply burdened for your daughter's future, this episode will encourage you to take practical steps toward bridging the divide. Because when one generation commends God's works to another, His mighty acts echo far beyond our lifetimes.  Referenced Scripture:  Psalm 145:4 — “One generation shall commend your works to another, and shall declare your mighty acts.”  Titus 2:3–5 — The call for older women to disciple younger women.  Deuteronomy 6:6–9 — Teaching God's Word diligently to the next generation.  Learn more about Kate and Mike's ministry and resources at katebattistelli.com. Explore more resources to raise girls rooted in Christ at raisinggodlygirls.com.    To find or start an AHG Troop in your area, visit americanheritagegirls.org.  

Co-hosts Cathy Endebrock, Kerri Brinkoeter, and Marlene McMichael host Brad Brandon for today’s program in order to highlight the alarming rise of Christian persecution across the globe. Statistics from Open Doors reveal that 380 million Christians faced high levels of persecution last year, up 15 million from the year before, with church attacks rising 800 percent since 2018. Pastor Brad -- a long-time pastor and teacher -- shares his experiences in Northern Nigeria, where persecution is escalating at a critical rate. He challenges American Christians not to ignore the crisis but to become informed, prayerful, and willing to take a stand for their brothers and sisters in faith worldwide.

The World Meteorological Organization's Committee on Weather and Climate Extremes recently certified a new record: the longest lightning strike ever measured. Jeff and Anthony discuss the astonishing phenomenon, and dive into a whole host of surprising lightning-based statistics.LInk to the story: https://www.scientificamerican.com/article/lightning-strike-sets-new-record-for-longest-ever-measured/Support the show and get bonus episodes, videos, Discord community access and more! http://patreon.com/wehaveconcernsJeff on Blue Sky: https://bsky.app/profile/jeffcannata.bsky.socialAnthony on Blue Sky: https://bsky.app/profile/acarboni.bsky.social

Welcome back our series on AI for the clinician! In this episode, we go over some basics of machine learning statistics with the goal to help you read and analyze contemporary studies. Some of this will be a review, and parts will be technical, but by the end we hope reading these studies is less daunting.  Hosts: Ayman Ali, MD Ayman Ali is a Behind the Knife fellow and general surgery PGY-4 at Duke Hospital in his academic development time where he focuses on data science, artificial intelligence, and surgery.  Julie Doberne, MD, PhD: @juliedoberne Julie Doberne is an Assistant Professor of Surgery, Assistant Professor of Medical Informatics and Clinical Epidemiology, cardiothoracic surgeon, and faculty member of the Surgical Data and Decision Sciences Lab at Oregon Health and Science University.  Phillip Jenkins, MD: @PhilJenkinsMD Phil Jenkins is a general surgery PGY-4 at Oregon Health and Science University and a National Library of Medicine Post-Doctoral fellow pursuing a master's in clinical informatics.  Steven Bedrick, PhD: @stevenbedrick Steven Bedrick is a machine learning researcher and an Associate Professor in Oregon Health and Science University's Department of Medical Informatics and Clinical Epidemiology.  Shelby Willis, MD Shelby Willis is a general surgery PGY-4 at Oregon Health and Science University. She is currently in her research time in the Surgical Data and Decision Sciences lab at OHSU pursuing advanced training in informatics. Please visit https://behindtheknife.org to access other high-yield surgical education podcasts, videos and more.   If you liked this episode, check out our recent episodes here: https://behindtheknife.org/listen BTK Fan Favorites:  General Surgery Oral Board Review Course: https://behindtheknife.org/premium/general-surgery-oral-board-review Trauma Surgery Video Atlas: https://behindtheknife.org/premium/trauma-surgery-video-atlas Dominate Surgery: A High-Yield Guide to Your Surgery Clerkship: https://behindtheknife.org/premium/dominate-surgery-a-high-yield-guide-to-your-surgery-clerkship Download our App: Apple App Store: https://apps.apple.com/us/app/behind-the-knife/id1672420049 Android/Google Play: https://play.google.com/store/apps/details?id=com.btk.app&hl=en_US

Travis tackles one of the most practical but overlooked routes to building wealth: negotiation. Travis shares actionable strategies and mindset shifts for anyone looking to earn more—whether as an employee, freelancer, or business owner. Drawing on research, stats, and his personal journey, Travis offers a road map for boosting your income and unlocking your true earning potential. On this episode we talk about: Why the biggest mistake is simply not negotiating your salary or rates Statistics showing how negotiating and job switching can add up to 18% or more to your earnings The right way to tie your raise requests to proven value—not just desires Key tactics: preparation, anchoring, and letting the employer speak first in negotiation Understanding when it's time to seek new opportunities versus remaining loyal Top 3 Takeaways 1.  Failing to negotiate or ask for raises can result in missing out on millions of dollars throughout your career.2.  Demonstrating clear, data-backed value is essential—you must show how your work has saved or made the company real money.3.  Negotiation skills like price anchoring, preparation, and being willing to walk away are crucial for achieving your true worth. Notable Quotes "The biggest mistake is that they don't do it… you're setting yourself up in the future to be missing out on a large percentage of potential income." "You can't go in with demands rather than requests... do the proper research, come in with actual stats and figures, and then relate what you're asking for to the actual value that you provided." "You do not get paid for your time. You get paid for the value that you bring to your organization." ✖️✖️✖️✖️

Beliefs build your future, make sure they're the right ones. In this episode, Kevin and Alan share the mindsets that helped them grow and the ones that nearly held them back. From embracing mistakes to the power of small daily improvements, they reveal which philosophies drive long-term results and which create roadblocks. Listen now and discover the beliefs that can move you closer to your goals.Learn more about:

Professor of electrical engineer and computer science Ben Recht joins us to defend Bayesianism, AI doom, and assure us that the statisticians have everything under control. Just kidding. Recht might be even more suspicious of these things than we are. What has statistics ever done for us, really? When was the last time YOU ran a clinical trial after all, huh? HUH? After Ben Chugg defends his life decision to do a PhD in statistics, we talk AI, cults, philosophy, Paul Meehl, and discuss Ben Recht's forthcoming book, The Irrational Decision (https://press.princeton.edu/books/hardcover/9780691272443/the-irrational-decision). Check out Ben's blog (https://www.argmin.net/), website (https://people.eecs.berkeley.edu/~brecht/), and his story about machine learning (https://mlstory.org/). We discuss Ben Recht's theory of blogging Why is Berkeley the epicenter of AI doom? Where the word "robot" came from Is Bayesian reasoning responsible for AI doom? Paul Meehl and his contributions to science Ben Recht's bureaucratic theory of statistics What on earth is null hypothesis testing? What is the point of statistics? "Sweet spots" and "small worlds" Does science proceed by Popperian means? Can Popper get around the Duhem-Quine problem? Errata The z-score for the Pfizer trial was 20, not 12! References Argmin (https://www.argmin.net/), Ben Recht's blog David Freedman, UC Berkeley (https://statistics.berkeley.edu/about/biographies/david-freedman) Paul Meehl's online course (https://www.youtube.com/@michaelmcgovern8633/featured) Theoretical Risks and Tabular Asterisks: Sir Karl, Sir Ronald, and the Slow Progress of Soft Psychology (https://errorstatistics.com/wp-content/uploads/2015/04/meehl-1978.pdf), Paul Meehl's 1978 paper. Clinical versus statistical prediction: A theoretical analysis and a review of the evidence (https://psycnet.apa.org/record/2006-21565-000), by Meehl On the near impossibility of estimating the returns to advertising (https://ftp.zew.de/pub/zew-docs/veranstaltungen/ICT2013/Papers/ICT2013_Rao.pdf) A Bureaucratic Theory of Statistics (https://arxiv.org/pdf/2501.03457) by Recht The new riddle of induction (https://fitelson.org/confirmation/goodman_1955.pdf) by Goodman Announcing the Irrational Decision (https://www.argmin.net/p/announcing-the-irrational-decision) Patterns, Predictions, and Actions (https://mlstory.org/), textbook by Ben Recht and Moritz Hardt Socials Follow us on Twitter at @BeenWrekt, @IncrementsPod, @BennyChugg, @VadenMasrani Come join our discord server! DM us on twitter or send us an email to get a supersecret link Become a patreon subscriber here (https://www.patreon.com/Increments). Or give us one-time cash donations to help cover our lack of cash donations here (https://ko-fi.com/increments). Click dem like buttons on youtube (https://www.youtube.com/channel/UC_4wZzQyoW4s4ZuE4FY9DQQ) What's Berkeley's next cult? Send your guess over to incrementspodcast@gmail.com Special Guest: Ben Recht.

Why do we fear uncertainty—and what can statistics teach us about living with it? Nicolai Tangen speaks with Sir David Spiegelhalter, one of the world's leading statisticians and expert communicator of risk, to explore how we navigate an unpredictable world. From the psychology of uncertainty to lessons from COVID-19, climate change, and even weather forecasts, Spiegelhalter unpacks why numbers are never just "cold, hard facts" and how we can use data more wisely in a world full of unknowns. They explore why trust depends on admitting uncertainty, and what it means to build resilience—both as individuals and societies. Engaging, insightful, and sometimes deeply personal, this conversation blends statistics with human experience to explore how we can make sense of risk and uncertainty in an unpredictable world.In Good Company is hosted by Nicolai Tangen, CEO of Norges Bank Investment Management. New full episodes every Wednesday, and don't miss our Highlight episodes every Friday. The production team for this episode includes Isabelle Karlsson and PLAN-B's Niklas Figenschau Johansen, Sebastian Langvik-Hansen and Pål Huuse. Background research was conducted by David Høysæter. Watch the episode on YouTube: Norges Bank Investment Management - YouTubeWant to learn more about the fund? The fund | Norges Bank Investment Management (nbim.no)Follow Nicolai Tangen on LinkedIn: Nicolai Tangen | LinkedInFollow NBIM on LinkedIn: Norges Bank Investment Management: Administrator for bedriftsside | LinkedInFollow NBIM on Instagram: Explore Norges Bank Investment Management on Instagram Hosted on Acast. See acast.com/privacy for more information.

Chinese President Xi Jinping, Russian President Vladimir Putin, and North Korean leader Kim Jong-Un have met publicly for the first time at a military parade in Beijing. Australia’s economy grew by 0.6% in the last three months of the financial year, according to the Australian Bureau of Statistics. The Federal Government has agreed to fund an additional 20,000 aged home care packages, following mounting pressure from the Coalition, Greens and some independents. And today’s good news: Former Australian of the Year and cancer research pioneer Richard Scolyer will be honoured with a new position named after him at Chris O’Brien Lifehouse, a world-leading cancer treatment centre in Sydney. Hosts: Emma Gillespie and Sam KoslowskiProducer: Orla Maher Want to support The Daily Aus? That's so kind! The best way to do that is to click ‘follow’ on Spotify or Apple and to leave us a five-star review. We would be so grateful. The Daily Aus is a media company focused on delivering accessible and digestible news to young people. We are completely independent. Want more from TDA?Subscribe to The Daily Aus newsletterSubscribe to The Daily Aus’ YouTube Channel Have feedback for us?We’re always looking for new ways to improve what we do. If you’ve got feedback, we’re all ears. Tell us here.See omnystudio.com/listener for privacy information.

Sept. 23, 2025, marks the 30th anniversary of the publishing of “The Family: A Proclamation to the World” from The Church of Jesus Christ of Latter-day Saints. Members of the Church also refer to this proclamation as the family proclamation. For three decades, the principles and doctrine outlined in this document have helped members of the Church, as well as others, to strengthen and understand the importance of family in God’s eternal plan. In this episode of the Church News podcast, W. Bradford Wilcox, a sociology professor at the University of Virginia and director of the National Marriage Project, joins Church News editor Ryan Jensen to discuss the benefits of a “marriage mindset.” The Church News Podcast is a weekly podcast that invites listeners to make a journey of connection with members of The Church of Jesus Christ of Latter-day Saints across the globe. Hosts Jon Ryan Jensen, editor of the Church News, and Church News reporter Mary Richards share unique views of the stories, events, and people who form this international faith. With each episode, listeners are asked to embark on a journey to learn from one another and ponder, “What do I know now?” because of the experience. Produced by KellieAnn Halvorsen.

Conflict and differences in marriage don't mean you married the wrong person; they simply mean you're two human beings from different backgrounds working together to build a life. Statistics show "incompatibility" is the leading cause of divorce, but what couples often interpret as irreconcilable differences are actually normal variations in perspective.• Differences between spouses are normal and healthy, not red flags• The idea that real love should feel effortless is a damaging myth• Conflict isn't a sign of incompatibility but an opportunity for growth• Working through differences builds intimacy and connection• My husband and I had completely opposite backgrounds regarding travel and dining out• Early conversations about money and lifestyle were extremely strained• It took a decade to find solutions that worked for both of us• We created unique approaches to travel and date nights that blend both perspectives• Successful couples don't agree on everything - they collaborate creatively• Turning differences into strengths makes marriages unbreakableMy book "Bad Marriage Advice: Debunking Myths That Will Make You Miserable And What To Do Instead" launches October 1st. Email me at moni@monicatanner.com if you'd like to join the launch team and help get it into as many hands as possible.Send us a text

In the Gang Starr/Guru/DJ Premier universe, there are plenty of artists that have made a name for themselves, some that haven't, and then in the middle is Group Home. With a classic debut and iconic tracks on said album, what did they muster up without Preemo on speedial?TIMESTAMPS:Weekly Music Roundup - (0:50)Charlie:UMI - people storiesDanni Baylor - Things About The World That Burden MeNOTORIOUS N.I.Q. - Man EaterMurs - Love & Rockets 3:16 (The Emancipation)KAYTRANADA - AIN'T NO DAMN WAY! Rudimental - RUDIM3NTALKid Cudi - FreeGhostface Killah - Supreme Clientele 2Che Noir & The Other Guys - No ValidationThe Amours - Girls Will Be GirlsJesse Royal - No Place Like HomeSmith and The Honey Badgers - Killing TimeNate Smith - LIVE-ACTIONJoey Bada$$ - Lonely At The TopBlood Orange - Essex HoneyTopic Intro/Ben's Research House - (17:28)Livin' Proof - (19:57)A Tear for the Ghetto - (31:19)Where Back - (37:35)Gifted Unlimited Rhymes Universal - (40:45)Forever - (46:13)Lighter Note - (51:16)Thanks for listening. Below are the Social accounts for all parties involved.Music - "Pizza And Video Games" by Bonus Points (Thanks to Chillhop Music for the right to use)HHBTN (Twitter & IG) - @HipHopNumbers5E (Twitter & IG) - @The5thElementUKChillHop (Twitter) - @ChillhopdotcomBonus Points (Twitter) - @BonusPoints92Other Podcasts Under The 5EPN:"What's Good?" W/ Charlie TaylorIn Search of SauceBlack Women Watch...5EPN RadioThe Beauty Of Independence

Statistics for aviation instruction reveal a growing interest, with the FAA issuing a 24% increase in student pilot certificates in 2023, but a significant dropout rate of about 70-80% before completing higher certificates. It's no secret, we need mor pilots, flight attendants, air traffic controllers. But we need to motivate and support the next generation to take those jobs. Tango Flight is now up and running at 2 schools in Connecticut. A mentor in the program and retired commercial pilot, Paul Zielinski, shared more about the program and why mentoring is key. If you're interested in mentoring, email jkarageorge@firstaviation.com Image Credit: Getty Images

Twelve months ago we heard the sobering news of a significant attendance drop in Sydney Anglican Churches. Over the decade from 2013 to 2023, weekly attendance fell by 7% – and when you factor in population growth, attendance was 14% behind.At last year's Sydney Anglican Synod, the mood was serious. A resolution was passed calling for confession and humble repentance – acknowledging that their hadn't been sufficient priority, attention, reflection, or resources to seeing the lost saved by Jesus. Synod called for a five-year focus to reverse the decline – putting prayer, evangelism, church health, and leadership development at the very centre of priorities.Ahead of this year's Synod, there is a response. The Standing Committee appointed a subcommittee, led by the Archbishop, to bring forward concrete proposals. And what they have come back with is significant:A galvanising target – to pursue 5% annual growth through conversion for the next five years.A range of initiatives and actions designed to support churches, leaders, and congregations in this mission.Our guests are Pete Stedman, senior minister at Norwest Anglican Church, and a member of the Archbishop's subcommittee that has proposed the new goal, Jon Kwan, lead pastor at St. David's Forestville and Jo Gibbs, senior consultant with Reach Australia.The Church Cothechurchco.com is a website and app platform built specifically for churches. Advertise on The Pastor's HeartTo advertise on The Pastor's Heart go to thepastorsheart.net/sponsorSupport the show

Bobby and Alex finally take some time to dig into Colt Keith's 100 favorite movies list (1:00) — a "for the boys, by the boys" take on film that reveals a certain kind of baseball guy brain. Then, they discuss the somewhat shocking news that MLB is considering selling MLB TV to ESPN (16:00). Finally, they're joined by Harry Krinsky and Patrick Redford of the Nothing But Respect podcast to reprise the Evil Jersey Sponsor rankings, but this time for the NBA (32:00).Buy one get one 50% off at Connect Coffee Roasters!Links:Listen to Nothing But Respect on Apple or Spotify.Listen to the Most Evil MLB Jersey Sponsors episode on Apple or Spotify.Defector piece on Color Star⁠Sign up for the TP KC tailgate!⁠⁠⁠Join the Tipping Pitches Patreon ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Tipping Pitches merchandise ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Call the Tipping Pitches voicemail: 785-422-5881Tipping Pitches features original music from Steve Sladkowski of PUP.

Dr. Beth Lorance joins Dr. Sandie Morgan as they discover how a high school coach gave one of his players expensive gifts, things her mother had refused to buy, with the mom posting online asking what to do, not realizing she was witnessing grooming behavior that creates the same vulnerabilities traffickers exploit in trusted spaces throughout our communities. Dr. Beth Lorance Dr. Beth Lorance is an adjunct professor at Vanguard University, where she teaches Family Violence and has also taught Introduction to Psychology and Psychology of the Family. She earned her PsyD in Clinical Psychology and previously served as the director of Vanguard's counseling center. In addition to her academic background, Beth is a licensed minister with the Assemblies of God, which allows her to bring both psychological expertise and theological insight into conversations about abuse, trauma, and healing. Her passion is deeply personal, rooted in her own family history of child sexual abuse, and she is committed to equipping others to use their voices to prevent abuse, protect the vulnerable, and walk alongside survivors. Beth also works to bring awareness into the church, encouraging faith communities to reflect Jesus' response to victims and to take seriously the call to protect those who are most vulnerable. Key Points Family violence creates deep vulnerabilities by teaching children harmful lessons that love is transactional, they're not enough, and there's something wrong with them that they can't overcome - wounds that become embedded in their brain chemistry when trauma happens at a young age. Traffickers don't create vulnerabilities but rather exploit existing wounds from family abuse, stepping into unmet needs and exploiting lessons already learned about intimacy being tied to exploitation. Statistics reveal that 90% of abusers are known to their victims with only 10% being strangers, and 31% of traffickers are actually family members of the victim, making "stranger danger" education insufficient. Grooming is a process of control and manipulation that builds trust, chips away boundaries, and creates dependency so victims willingly comply when lines are crossed into inappropriate behavior because they've been normalized to the perpetrator's actions. Training is essential for leaders, staff, pastors, volunteers, and teachers to recognize grooming signs like expensive gift-giving, requests for secrecy, and isolating language such as "your parents don't understand you, but I do." Clear boundaries and policies are crucial, including no one-on-one supervision between adults and children, with swift consequences when policies aren't followed to prevent grooming opportunities. Children need to be empowered to say no even to trusted adults, with parents and leaders respecting their boundaries and teaching them about "tricky people" rather than just strangers. Trauma-informed communities must stop asking "what's wrong with you?" and instead listen without judgment, sitting with broken people without requiring them to change or behave in prescribed ways to receive care. Parents should be vigilant about adults in their children's lives, knowing what interactions look like and requiring that any adult who wants to be friends with their child must be friends with the parent first. Breaking the cycle requires communities that believe victims, provide someone to stand up for those who can't yet stand up for themselves, and create new family structures when biological families fail to protect. Resources 204 – Is Your Organization Trauma Informed and Why Should It Be? 124 – Prevention: Trauma Informed and Transformational Schools Transcript [00:00:00] Sandie Morgan: Welcome to the Ending Human Trafficking Podcast here at Vanguard University's Global Center for Women and Justice in Orange County, California. I'm Dr. Sandy Morgan, and this is the show where we empower you to study the issues, be a voice,

Part Two - Coach Kevin Clancy discusses in detail the use of statistics in basketball.Basketball coach and statistics guru, Kevin Clancy discusses his coaching experiences, his coaching style, and trends he sees. Most importantly, he discusses how the use of stats can help teams play to their strengths and mask their weaknesses. Kevin has statistical knowledge from every level - from youth to professional, helping high school teams to Mississippi State in the SEC.Coach Clancy can be found on X @TheOneKevClancy United Basketball+ is hosting the 2025 Hoosier Gym Clinic in Knightstown, IN on September 27. We have 4 great coaches and other coaching resources lined up to present! The clinic is only $30 for members, $50 for non members. Use the code HoosierSpecial for $10 off! Sign up here:https://unitedbasketballplus.com/united-basketball-hoosier-gym-coaches-clinic/United Basketball+ is a resource for coaches, teachers, players, and leaders. If you want to improve your knowledge as a coach, teacher, player or leader, join the community today!https://unitedbasketballplus.com/register/ub-plus-annual-membership/Follow United Basketball+ on X @unitedbballplusLet's grow the game!

Craig Collins sits in for Dana. CNN admits that gas prices on Labor Day Weekend are the lowest since 2020. Statistics show the increase in religiously targeted tragedies. Politico runs a fictional smear job on Steve Witkoff that was strictly sourced to ANONYMOUS deep staters & foreign diplomats. Chicago Mayor Brandon Johnson opens Narcan vending machines in Uptown Chicago. President Trump revokes Kamala Harris' Secret Service detail ahead of her book tour. The CNN Thunderdome gets heated when the topic of biological men gets brought up to Scott Jennings. Ashley Babbitt will receive a Military Funeral following January 6th. Chicago prepares for the National Guard to come in. An Irish travel influencer is accused of exploiting a remote “cannibal tribe” for TikTok views. A leaked phone call from Georgia Governor Brian Kemp raises serious questions. Another unhinged lunatic on the Internet thinks Christians are to blame for violence. A California law allows for a non-family member to help make medical decisions about children. Thank you for supporting our sponsors that make The Dana Show possible…All Family Pharmacyhttps://AllFamilyPharmacy.com/Dana Start today and take your health back with All Family Pharmacy. Use code DANA10 for savings and enjoy your health, your choice, no more waiting, no more “no's.”Webroothttps://WebRoot.com/Dana Protect your digital life and get 50% off Webroot Total Protection or Essentials, exclusively with my URL!Relief Factorhttps://ReliefFactor.com OR CALL 1-800-4-RELIEFBoost anti-inflammatory power with Relief Factor. Get their 3-week Relief Factor Quick Start for only $19.95 today! Byrnahttps://Byrna.com/danaGet your hands on the new compact Byrna CL. Visit Byrna.com/Dana receive 10% off Patriot Mobilehttps://PatriotMobile.com/DanaDana's personal cell phone provider is Patriot Mobile. Get a FREE MONTH of service code DANAHumanNhttps://HumanN.comSupport your cholesterol health with SuperBerine and the #1 bestselling SuperBeets Heart Chews—both on sale for $5 off at Sam's Club. Boost your metabolic health and save!Keltechttps://KelTecWeapons.comSee the third generation of the iconic SUB2000 and the NEW PS57 - Keltec Innovation & Performance at its best.

YUGE thank you to everyone who came out to have a free drink with us as we celebrated 4 years of eating up an hour or more of your time every week. We've had a blast doing this show since day 1, and can't wait to keep on going with you along for the ride, even as unwilling passengers sometimes! Joe, Blake, Jason, Alli, Gnome, Josh....you guys are the best.  Sorry for the extra music volume in the background during the second-ish half of this episode. This week, amongst the chaos and ball jokes, we managed to talk about a few shows, all with multiple choice questions! Some of the things we cover are : What podcasts have slogans. Statistics are meaningless. Good news (for us) about BrewDog. Would you go to a water bar?  Hostile takeovers of the Cincy Brew Dads' Untapped accounts. Not knowing if they found the pimp cane section at Jungle Jim's (is it in the Belgia section?). Starting a petition to change the name of MadTree Light Lager to Legendary Light. How they make a 95-calorie, 4-carb beer.  Black IPAs coming back (BACK) to MadTree, maybe a black IPA tap takeover at Parks and Rec if we're lucky! 6 wings worth of protein. Saying the forbidden beer's TRUE name. The cyclical nature of shows that aren't shows becoming shows. The seltzer bubble is popping, so start panicking. Self serve beer AND pizza? Could Big Ash be a Proof of Concept for future LaRosa's locations?  Is it more fun to drink with people or with an inanimate Gnome.  ----- This episode covers the following shows : Barstool Perspective - 8/22/2025 The Weekly Pint - Ep 275 - The Big-Osas...What Is Going On? Cincy Brew Dads - From the Tap Ep 5 - Allagash Pint Night at Jungle Jim's Fairfield. Chalices and Pimp Canes. Blake's Craft Beer Podcast - Ep 78 - Old and New Beer from MadTree Brewing ----- What we drank :  Esoteric Brewing - Nova - NE IPA HighGrain Brewing - Meadow - Festbier Little Fish Brewing - Green Bridge - West Coast IPA Wolf's Ridge - Famous Red - Amber Lager Outlaw Brewing - Mile Hi - American Light Lager Butcher and the Brewer - Ophelia's Second Coming - Wheat Beer ----- Episode recorded on 8/26/2025 at our amazing podcast host, Higher Gravity Summit Park! https://highergravitycrafthaus.com/ Disclaimer: The views and opinions expressed by Truth, Beer, and Podsequences are those of the participants alone and do not necessarily reflect the views or opinions of any entities they may represent. ------  Links to everything at http://truthbeerpod.com/ or https://truthbeerpod.podbean.com/ Find us on all the social medias @ TruthBeerPod Email us at TruthBeerPod@gmail.com Subscribe, like, review, and share! Find all of our episodes on your favorite Podcast platform or https://www.youtube.com/@TruthBeerPod ! Buy us a pint!  If you'd like to support the show, you can do by clicking the "One-Time Donation" link at http://truthbeerpod.com ! If you want exclusive content, check out our Patreon!  https://www.patreon.com/TruthBeerPod If you'd like to be a show sponsor or even just a segment sponsor, let us know via email or hit us up on social media! ----- We want you to continue to be around to listen to all of our episodes.  If you're struggling, please reach out to a friend, family member, co-worker, or mental health professional.  If you don't feel comfortable talking to someone you know, please use one of the below resources to talk to someone who wants you around just as much as we do.   Call or Text 988 to reach the Suicide and Crisis Lifeline Chat with someone at 988lifeline.org http://www.988lifeline.org ----- Our Intro, Outro, and most of the "within the episode" music was provided by Gnome Creative. Check out www.GnomeCreative.com for all your audio, video, and imagery needs! @gnome__creative on Instagram @TheGnarlyGnome on Twitter https://thegnarlygnome.com/support http://gnomecreative.com http://instagram.com/gnome__creative http://www.twitter.com/TheGnarlyGnome

Transformation isn't a gamble—it's science. Kristy Ellmer, a leader with BCG Transform, unpacks the research behind what really makes change work: involving employees in the journey, preparing for the “messy middle,” and building emotional and practical support into the process. Successful efforts focus equally on shifting behaviors and mindsets, not just strategy and structure. Learn More: Kristy Ellmer: https://www.bcg.com/about/people/experts/kristy-ellmer BCG's Latest Thinking on Business Transformation: https://www.bcg.com/capabilities/business-transformation/insights To Keep Transformations on Track, Incentives Are Crucial: https://www.bcg.com/publications/2025/incentives-are-crucial-for-transformation-success The Transformation Paradox: How to Grow When the Growing Gets Tough: https://www.bcg.com/publications/2025/transformation-paradox-how-grow-when-growing-gets-tough This podcast uses the following third-party services for analysis: Podtrac - https://analytics.podtrac.com/privacy-policy-gdrp

Are you aware of the one referral opportunity you're likely missing? In this episode, I discuss a foundational strategy I like to call the Low-Hanging Fruit Strategy. Statistics indicate that your chances of selling to an existing client are 60-70%, compared to just 5-20% for new prospects. This episode is filled with insights on how to tap into that potential! Resources and links mentioned in this episode can be found on the show notes page at http://www.staceybrownrandall.com/376

Keith discusses the impact of political rhetoric on mortgage rates, emphasizing the importance of central bank independence.   President of Ridge Lending Group and GRE Icon, Caeli Ridge, joins in to explain the benefits of 30-year mortgages over 15-year ones, advocating for extra principal payments to be reinvested rather than accelerating loan payoff.  They also cover the potential effects of Fannie and Freddie going public, predicting higher mortgage rates. Caeli Ridge elaborates on cross-collateralization strategies, highlighting the advantages of commercial blanket loans for real estate investors.  Resources: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Show Notes: GetRichEducation.com/568 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  You get paid first: Text FAMILY to 66866 Will you please leave a review for the show? I'd be grateful. Search “how to leave an Apple Podcasts review”  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— text ‘GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Keith Weinhold  0:01   welcome to GRE I'm your host. Keith Weinhold, the President has called the Fed chair a dummy and worse. How does this all affect the future of mortgage rates? Also, I discuss 30 year versus 15 year loans. Can you bundle multiple properties into one loan? Then how Fannie and Freddie going public could permanently increase mortgage rates today on get rich education   Keith Weinhold  0:28   since 2014 the powerful get rich education podcast has created more passive income for people than nearly any other show in the world. This show teaches you how to earn strong returns from passive real estate investing in the best markets without losing your time being a flipper or landlord. Show Host Keith Weinhold writes for both Forbes and Rich Dad advisors and delivers a new show every week since 2014 there's been millions of listener downloads in 188 world nations. He has a list show guests and key top selling personal finance author Robert Kiyosaki, get rich education can be heard on every podcast platform, plus it has its own dedicated Apple and Android listener phone apps build wealth on the go with the get rich education podcast. Sign up now for the get rich education podcast, or visit get rich education.com   Speaker 1  1:14   You're listening to the show that has created more financial freedom than nearly any show in the world. This is get rich education.   Keith Weinhold  1:24   Welcome to GRE from Pawtucket, Rhode Island to Poughkeepsie, New York and across 188 nations worldwide. I'm your host. Keith weinholdin, this is get rich education, not to inflate a sense of self importance, but each episode is an even bigger deal than a New York Jets preseason football game. You might have thought you knew real estate until you listened to this show, from street speak to geek speak. I use it all to break down how with investment property, you don't have to live below your means. You can grow your means as we're discussing the mortgage landscape this week. You know, I recently had a bundle of my own single family rental homes transfer mortgage servicers from Wells Fargo over to Mr. Cooper. And that was easy. I didn't have to do anything. The automatic payments just automatically transferred over. And yes, Mr. Cooper, it's sort of a funny sounding name that you don't exactly see them putting the naming rights on stadiums out there, but the new servicer prominently wanted to point out the effect of me making extra $100 monthly principal payments and how much in interest that would save me over time, sort of suggesting that it would be a good idea for me to do so. Oh, as you know, like I've discussed extensively, extra principal pay down is a really poor use of your capital. It's a lot like how in the past, now you've probably seen it like I have, your mortgage company promotes you making bi weekly payments all year, so you'd effectively make some extra principal pay down each year. That way. Don't fall for it. Banks promote biweekly payments because it sounds borrower friendly, it encourages an earlier loan payoff. Well, that actually reduces lender risk and increases your risk. And the whole program can come with extra fees too. It just ties up more of your money in something that's unsafe, illiquid, and with a rate of return that's always zero, since that's exactly what home equity is. As we're about to talk mortgages with an expert today, I will be sure to surface that topic. We'll also talk about the housing market effect of a president firing a Fed chair. When you're living under the rule of a president that desperately and passionately wants lower interest rates, you've got to wonder what would happen if a president just had the power to go lower them himself, which is actually what most any president would want to do, but you almost don't have to wonder what would happen. You can just look at what actually did happen in Turkey. Now, yes, Turkey already did have an inflation problem, worse than us, for sure, but Turkish President Erdogan went ahead and lowered Turkey's interest rates despite persistent inflation. I mean, that's a situation where most would raise rates in order to combat inflation. Well, lowering rates like that soon resulted in substantially higher inflation to the tune of almost 60. Yes, six 0% per year before cooler heads prevailed and the Turkish government was forced to drastically raise rates. But it was too late. The damage was already done to the reputation of Turkey's economy and its everyday citizens and consumers. I mean, that was a painful, real world example of how critical central bank independence is. You've also got to ask yourself a question here, do you really want to live in the type of economy where we would need a bunch of rate cuts? Because when rate cuts happen, it usually results from the fact that people are no longer employed, or we're in a recession, or financial markets are really unstable. So there are certainly worse maladies out there than where we are today, which is with moderate inflation, pretty strong employment and interest rates that are actually a little below historic levels. I mean, that is not so bad. Before we talk both long term mortgage lessons and more nascent mortgage trends today coming up on future episodes of the show here, a lot of info and resources to help you build wealth as usual. Also an A E TELEVISION star of a real estate reality show will make his debut here on GRE.    Keith Weinhold  6:24   Hey, do you like or even live by any of the enduring GRE mantras, like, Don't live below your means, grow your means, or financially free, beats debt free, or even, don't quit your Daydream. Check out our shop. You can own merch with sayings like that on them, or simply with our GRE logo on shirts and hats and mugs. And I don't really make any income from it. The merch is sold at near cost, and it actually took a fair bit of our team's time to put that together for you. So check out the GRE merch. You can find it at shop.getricheducation.com that's shop.getricheducation.com   Keith Weinhold  7:18   today we're talking to the longtime president of ridge lending group. They specialize in providing income property loans to real estate investors like you, and she's also a long time real estate investor herself. I've shared with you before that ridge is where I get my own loans. They've worked with 10s of 1000s of real estate investors, not just primary residence owners, but real estate investors as well as homeowners all over the country, and at this point, she's like a GRE icon, a fixture regularly with us since 2015 Hey, welcome back to get rich education the inimitable Chaley Ridge,    Caeli Ridge  7:54   ooh, Mr. Keith Weinhold, thank you, sir. So good to see you, my friend. Thanks for having me   Keith Weinhold  8:00   opening up that thesaurus tab right about now, I think maybe JAYLEE, why don't we have the chat everyone wants to have? Let's discuss interest rates, starting with the vitriol from Trump to Powell has reached new heights. This year, Trump has called Powell a numbskull, Mr. Too late, a real dummy, a complete moron, a fool and a major loser, among other names. And you know, at times, I've seen Realtors even blasting Jerome Powell for not cutting rates. Well, the Fed doesn't directly control mortgage rates, and it's also not the Fed's job to boost Realtors summer sales. It's to protect the long term stability of the US economy. Tell us your thoughts.    Caeli Ridge  8:48   So this is a rather complicated topic, okay, and there's a lot that under the hood that goes into how a long term mortgage bond interest rate is going to go up or going to go down. As you said, it's not necessarily just the Fed and the fed fund rate, which, by the way, for those that are not familiar with this, the fed fund rate is the intra daily trading rate between banks. So while there is a connection between that and that of the 30 year long term fixed rate mortgage, they are not the same thing. And in fact, statistically, I believe I read this last week, the last three fed fund rate reductions did the opposite to long term rates, right? So we went the other direction. So please be clear that the viral, as you say, of President Trump and what his opinions are about Mr. Powell and his decisions to keep that fed fund rate unchanged for the last several meetings that they've had, I think, is more of a distraction, but that's another conversation overall. I would say that, is he too late? Is he right on time? You know, there's so much data and so many data points that they're looking at, and there's this thing in the industry called a Lag that, in truth, they're not getting the actual data points that they need real time. It's lagging, so the data that's coming out to them today isn't going to be what's relevant and necessary to make changes tomorrow, next month and next week. Most recently, you probably saw in the news the BLS Bureau of Labor and Statistics and the jobs report came in far under what the expectation was. So that might have been the catalyst. I think that will drive Powell and group to reduce that is the overwhelming expectation that the fed fund rate is going to come down by how much. We don't know. Secondary markets are already baking that in, by the way. So when we talk about long term interest rates, I'm starting to see some changes on the day to day. I get access to that stuff, and I'm looking at it daily, the ticker tape of where the treasury bonds and things are. So I'm starting to see some slight improvement to interest rates in preparation of that market expectation, interest rate on the fed fund level will probably reduce. But I think overall, Keith that the Fed is in a really difficult position, because when you think about what really is going to drive the fed fund rate, and then potentially the long term rate, is counterintuitive to what most people or consumers expect, right? They think if the fed fund rate reduces by a quarter of a percentage point, then a long term 30 year fixed should probably reduce by the same amount. It does not go hand in hand like that. Now, while there are trends right, that doesn't happen that way, and more often than not, the worse our economy is doing, the better a 30 year interest rate will be. So in my industry, I'm kind of always playing on the fence, thinking I don't want anything bad for our country and the economy. However, the worse it does, the better interest rates are going to become. And if you've been paying attention, the economy is in decent shape. We're not doing that bad. Inflation is still up, so the metrics that they're using to kind of gage and predict that lag and where we're going to be are not in line to say that interest rates are going to drop a half or a point or a point and a half in the next year to 18 months. Those signs are not out there for me. All of that said, I know that interest rate is top of mind for I mean, I'm on the phone all day long. I like that part of my job where I'm still interfacing with investors on day to day. Big chunk of my day is spent talking to clients, and that is one of the top questions, probably one of the first questions that come out of their mouth, where interest rates? What are interest rates? And what I have sort of started to really form and say to that question is, if interest rates are the catalyst to your success in real estate, you probably need to do a little bit more research, because interest rates should not be the make or break for your success. Well, as a real estate investor   Keith Weinhold  12:45   the Fed has a dual mandate of maximum employment and stable prices. Inflation, though still somewhat elevated, has stayed about the same the past few months. History shows us that the Fed is more comfortable with inflation floating up than they are with suppressed employment levels. To your point about recent reports about us not adding many jobs, and the Fed being concerned about that, the translation for those that don't know is, if the job market is weak, lowering rates, which is what increasingly people think they tend to do later this year. Lowering rates helps encourage businesses. It's more likely that businesses will borrow and expand and hire more people. Therefore, if rates are low now, whether that translates into a lower mortgage rate or not, by lowering that fed funds rate? Yes, there is that positive correlation. Generally, the lower the Fed funds rate goes, the lower mortgage rates tend to go although that isn't always the case. To your point. Shailene, late last year, there were three Fed funds rate cuts, and mortgage rates actually went up, which is somewhat of an aberration that usually doesn't happen that way, but that's the environment we're in. Most people think Fed rate cuts are coming later this year.   Caeli Ridge  14:04   Yeah. And I would say, you know, the other thing too, when we talk about the pressure that the Fed is under right now, specifically, Powell, he's being attacked, fine, and whether I agree or disagree, really important for listeners to understand that the indifference that the Fed is supposed to have right bipartisan, it's not supposed to have a dog in that fight. If it did the calamity, I think what would happen economically in this country would be devastating if other economic powers were to see that our particular financial institutions are swayed one way or another. Politically, that would be devastating to us. So I think Powell has done a decent job at staying the course. He's continued to do what he says, says what he does. So so far, I'm okay. Is he late to reduce rates? I don't know that I'm qualified to say that, maybe. But at the same time, I think that his impartiality has been consistent, and that for that part of it, I'm. Grateful   Keith Weinhold  15:00   for those who don't understand if Trump just told Powell what to do and Powell followed Trump's orders, how does that devastate the economy?    Caeli Ridge  15:09   It shows partiality to or Fieldy to one particular party, right? It's not an independent institution where financial policy quantitative easing, quantitative tightening, all of those different things that are necessary to keep the pistons pumping. It isn't it's very specific to Fieldy and the leader of telling based on potentially ego or other elements that have not a lot to do with fiduciary responsibility.   Keith Weinhold  15:37   If Powell did everything Trump said, I feel like we would have negative interest rates right now   Caeli Ridge  15:43   that could be a problem, especially if the economy and inflation is on the rise, and then you get the tariffs. I mean, there's so much layering to this. I mean, we could go on and on about it, but overall, let me close with this. I think that interest rates are probably on the run, if I had to guess. Now, there's all kinds of variables that could make that statement untrue, but overall, in the next year to two years, I do think we'll see some relief in interest rates, barring any major catastrophe. But again, investors, if your success, if you're tying your real estate portfolio, your real estate investing, whatever modality you're interested in, if you're tying that to an interest rate, and there's a certain number that you have ethereal in your mind, you're going to lose your success in real estate. Interest rate is a component of it, but it should not be tied to your success or failure. You should be able to do the math and look at the differences in real estate opportunities, investment, whether it be long term, short term, midterm, single family, two to four appreciation, cash flow, all those things should be considered, and you will find adequate returns independent of an interest rate. If you're diversifying that way   Keith Weinhold  16:49   there is more evidence that Americans have warmed up and gotten somewhat used to normal mortgage rates. This normalization of mortgage rates, they are pretty close to their historic norms. In fact, a recent housing sentiment survey done by turbo home found that in q1 of this year, 41% of homeowners surveyed said that a 6% mortgage rate was the highest they would accept on their next purchase. Right that was back in q1 today, up from 41%, 52% of respondents now say a 6% mortgage rate is the highest that they would accept. Evidence that people are warming up and normalizing this.   Caeli Ridge  17:30   The other thing too is the pandemic rates. Right? That's been a very hard shell to crack. The people that got these two and 3% interest rates during 2020 2021, part of 22 they're really reticent to let those go, and I think that they're doing themselves a disservice as a result. If you can get a second lean HELOC, okay, fine, but overall, if you're just going to let that untapped equity sit, it's going to be to your disadvantage. If you have any desire to increase your portfolio and your long term financial stability and wealth   Keith Weinhold  17:59   you're listening to get rich education. Our guest is Ridge lending Group President Cheley, Ridge much more when we come back, including 30 year versus 15 year loans. Which one is better and more things that the administration is doing to shake up the mortgage market. I'm your host. Keith Weinhold.    Keith Weinhold  18:15   the same place where I get my own mortgage loans is where you can get yours. Ridge lending group and MLS, 42056, they provided our listeners with more loans than anyone because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage. Start your prequel and even chat with President Cheley Ridge personally while it's on your mind, start at Ridge lendinggroup.com. That's Ridge lendinggroup.com.    Keith Weinhold  18:46   You know what's crazy? Your bank is getting rich off of you. The average savings account pays less than 1% it's like laughable. Meanwhile, if your money isn't making at least 4% you're losing to inflation. That's why I started putting my own money into the FFI liquidity fund. It's super simple. Your cash can pull in up to 8% returns and it compounds. It's not some high risk gamble like digital or AI stock trading. It's pretty low risk because they've got a 10 plus year track record of paying investors on time in full every time. I mean, I wouldn't be talking about it if I wasn't invested myself. You can invest as little as 25k and you keep earning until you decide you want your money back. No weird lockups or anything like that. So if you're like me and tired of your liquid funds just sitting there doing nothing. Check it out. Text family 266, 866, to learn about freedom. Family investments, liquidity fund again. Text family to 66866,   Rick Sharga  19:58   this is Rick sharga housing market. Intelligence Analyst, listen to get rich education with Keith Weinhold, and don't quit your Daydream.   Keith Weinhold  20:05   Welcome back to get rich Education. I'm your host, Keith Weinhold. We're talking with a familiar guest this week. That's Ridge lending Group President, Caeli. Ridge wealth is built through compound leverage faster than compound interest. And leverage means using loans. I think most everyone the first time in their life they look at loan amortization tables and learn things like, oh, with a 15 year loan, you pay substantially less interest, perhaps hundreds of 1000s of dollars less interest with a 15 year loan and its lower mortgage rate than you do with a 30 year loan and its higher mortgage rate. But a lot of people don't take that next step and look that Oh, rather than paying down my home loan with extra principal payments, if I just invested the difference, I would be substantially better off down the road. So in a lot of cases, the more sophisticated investor chooses that longer loan duration, the 30 year. That's the way I see it. What do you see? Most of your prefer there.   Caeli Ridge  21:12   It's one of my favorite topics to cover, because there's quite a few layers that I think can all connect. If an individual wants to pay less in interest very easily, I'm going to strenuously advise them to take a 30 year over a 15 year and just simply apply the difference. So let's just start with the applicable version of 15 versus 30 and how it can benefit or harm. Because this is what a lot of times people that go for the 15 year and wanting to pay less in interest. Don't understand, and it's never been delivered to them in a reasonable way, I guess. So just looking at those two, and then we'll get to the strategy of potentially reinvesting those dollars elsewhere. But just look at a 30 year and a 15 year. I am a massive deterrent against a shorter term amortization. I hate a shorter term amortization, because all that's going to do to the individual is limit their ability to qualify later on down the road. And the reason for that is, is that the shorter term, as you had described, is going to yield a higher monthly payment. So when we pull credit for an individual, that's a higher monthly payment that the debt to income ratio has to support, when in fact, if we simply just look at the two side by side, 15 year and a 30 year equal, equal loan sizes. The 15 year is going to have a lower interest rate. It's true, but the amortization is obviously half the amount. We've gone from 360 months, 30 years to 180 months, 15 years. So the payment obviously is going to be much, much higher if you take the payment difference between those two mortgage products and apply it with a 30 year fixed payment. Let's just call it 500 bucks a month, whatever the number is, and you are disciplined to send that extra 500 bucks every single month with your 30 year fixed mortgage payment. You will cross the finish line in 15.4 years, I think, is the average when you run the amortization, so you'll pay a few extra months worth of interest, but whatever, you'll never pay the higher interest that the 30 year has locked at because you've accelerated the payoff of the debt so quickly, and you've maximized your debt to income ratio and future qualifications never take the shorter term amortization. It is to your greatest disadvantage. I hate them. That's part one. Did you have a comment? I can see that your wheels are spinning.   Keith Weinhold  23:24   That is a great answer. If you get the 30 year loan instead of the 15 if you apply an extra principal payment, whatever it would be, call it 500 plus dollars, that you will kill off that loan, that 30 year loan in something like 15.4 years. Yes, and you'll have the lower payment amount for your qualification, going forward, you'll have more flexibility in your life. That's great. I didn't realize the difference 15.4 versus 15 was that small? That's a great takeaway.   Caeli Ridge  23:50   Yeah, absolutely. And the other piece, you kind of just hit on it, the individual's feet are not held to the fire at that higher payment. So let's say it's a rental, okay, whatever. It goes vacant for a month, or a couple months, God forbid, or whatever may be happening. You now get to choose. You are not obligated at that higher monthly payment. You can say, Okay, this month, I'm not going to pay the extra. I don't da, da, da. It's all within your control. So you're killing like four birds with one stone. I really prefer the 30 year amortization for all those reasons. So now let's take it and move into how I believe, and I agree with your philosophy, taking those dollars and applying them, because when we talk about mortgage interest, especially on investment property, okay, it's probably a slightly different conversation when we're talking about somebody's primary residence, home, but for an investment property to take that difference and apply it toward another investment, because the interest remember, you guys, we're investors. We want that Schedule E deduction, that interest deduction, as money goes a 30 year fixed mortgage, even today, as interest rates are elevated beyond the two and three percents that people somehow fixated on, that that's where interest rates should just be forever. You've got Mass. Amounts of interest deduction, so you're paying less in taxes. For that reason, there's so many reasons to stretch out that mortgage on an investment property versus extinguishing that debt, not to mention, you want to constantly be harvesting equity, ideally, pulling cash out. Borrowed funds are non taxable, deploying them, but then taking that extra cash flow and stockpiling it for another investment, whether that just be the down payment or for other things. I just think there's so many better places that those funds can go to produce more wealth than accelerating the payoff of that debt that's benefiting you, from a tax perspective, and several other ways. There's lots of other ways to apply that money. I   Keith Weinhold  25:43   I often ask, why accelerate the payoff on a, say, 7% mortgage interest rate loan, when instead you can take those savings, reinvest them into other real estate, where it sounds preposterous on its face to think of the rate of return that you can get from an income property, but when you add up all the five ways you're paid, appreciation, cash flow, loan pay down, made by the tenant, tax benefits and the inflation profiting benefit on the long term fixed interest rate debt, a return of 20% plus is not out of the question at all. So if it's 20, why would you pay off extra on a seven? That's 13 points of arbitrage that you could gain there by not aggressively paying down a property and instead making a down payment on another income property. Chaeli, when it comes to these type of questions and accelerating a payoff, why do banks seem to encourage that you make bi weekly payments rather than monthly payments, therefore accelerating your principal pay down.   Caeli Ridge  26:42   I'm not sure the reason behind that. I don't know that I've even seen a lot of that from my lens and my perspective. It's definitely not something I ever comment or preach on. But the overall, what's happening there when you do it the bi weekly, so instead of making $1,000 at the first of the month, you make 500 and then 500 right, middle of them on first of the month. What's happening there is, because of the way the annual calendar goes, it ends up being an extra payment per year, right? I think that's the math. Is, when you do it that way, you end up making an extra payment per year, so you can accelerate. And there's you're not doing anything different, necessarily, to in your cash flow, etc. So I don't think there's anything wrong with it. I don't know what the benefit is to the institution that would in communicate that to its consumer. Yeah,   Keith Weinhold  27:27   Yeah, it ends up being 26 bi weekly payments, which has the effect of making 13 monthly payments in a 12 month year, accelerating your pay down. In my experience, it seems that banks encourage this. They contact borrowers. They've contacted me in the past, laying out a welcome mat. Hey, would you like this plan here? And in my mind, accelerating the payoff. We already talked about how that's typically not a good investment. The more you know about the trade off between loans and equity, really, I'm transferring more of the risk onto myself and less they're onto the bank when I accelerate my payoff. So I agree. I'm not interested in doing that at all.    Caeli Ridge  28:06   You know, maybe Keith, it could be, because I people talk about this a lot, those people, and let's say that there are a group of individuals that might benefit. Let's say they're in phase three, right? They're well into retirement. They just want to start paying off. They're not maybe investing anymore. They just want to leave that legacy, perhaps, or whatever their circumstances are, and they don't want to take additional capital and apply it to the principal and lock up those funds and make them illiquid. So maybe, just as an easy sidebar, they just make two payments month versus one. I get a lot of people asking that question. I mean, over the years, I know that like at the closing table, we'll have clients say, Hey, is the servicer going to be set up to accept bi weekly payments? And a lot of times they don't like SLS. I mean, there's a lot of servicers out there that will not accept or don't have the infrastructure to collect those bi weekly so maybe just as a consumer desire out there, the servicers have gotten wise to it, and they just offer it. I can't think of the reason behind why they would promote that to their database. I don't know.   Keith Weinhold  29:09   Another question that I hear quite often, and probably do as well there is about bundling multiple properties into one loan. Can you tell us about that?   Caeli Ridge  29:20   Yeah, that's called cross collateralization. So we're taking residential property, okay, and putting them into a commercial blanket loan. So any combination of single family, up to four unit, five Plex and above is now considered commercial. So it's got to be single family, condo, duplex, triplex, fourplex, right? It's residential property, and they're taking any combination of that and putting it into one blanket loan, cross collateralizing it. Now, I believe the most incentivized way or desire to want to do this is probably for two reasons. One, to free up golden tickets, right? Golden tickets are those Fannie Freddie loans that we talk about a lot. There are 10 of these per qualified individual, if. If someone has maxed out their golden tickets, let's say they've got 12, 1314, properties, they could take five or 10 or 13, whatever the number, and put them into a commercial blanket cross collateralized loan, as long as it's non recourse. That means no personal guarantee is attached to it. The rule per golden ticket will free up all those spaces. So usually this applies to an individual that has a portfolio that has stabilized. This will usually work when the portfolio has had a couple of years to make sure that you've got your consistent tenants and anything that may come up, repairs, maintenance, et cetera, stabilized portfolios and then putting them into that cross collateralization, because the terms are not going to be the same as just a 30 year fixed Okay, especially if you're going to be looking to take cash out and harvest equity that way, that may be a real opportune time to borrow funds. Borrowed funds are non taxable once again, pull the cash out, put it into a non recourse loan. You've got half a million dollars of capital now that you can then go and get a whole new set of golden tickets for expanding your portfolio. So that's something that we focus on for individuals that have maybe maxed out of that that conventional landscape and or are looking to scale and acquire more properties, but they don't want to necessarily look at some of the DSCR loans. They want to get back into the Fannie Freddie box.    Keith Weinhold  31:22   Yeah, so someone could bundle and get cash out simultaneously, potentially, is there anything else that qualifies or disqualifies one for bundling many loans into one like this?   Caeli Ridge  31:35   It's a commercial underwrite. So they should be aware of that. Now, certainly, we're looking at the individual typically in those loans, the underwriting of those loans, the individual's liquidity and credit are most what we're focusing on, but it's about the property in the portfolio, DSCR, that debt service coverage ratio is a big factor. So we're looking at the income against the monthly expense. Generally. That's going to be the principal, interest, tax and insurance on a commercial basis, they throw in the maintenance, vacancy, et cetera, averages. So you want to see, generally speaking, about 1.2 on those when you divide the incomes and the expenses and then otherwise, yeah, LTV might be a little bit restricted on something like that, 70% usually, maybe you can get as much as 75 if you've got a really strong portfolio. But otherwise, for you, individually, liquidity, some liquidity there, and good credit is what is important. As long as the portfolio is operating at a gain, then you're good to go.    Keith Weinhold  32:32   Yeah, that cross collateralization could be really attractive. Well, Chile, we've been in this presidential administration that has shaken things up like few, if any, prior administrations have. One of those things is that they have pushed for cryptocurrency holdings to be recognized as assets in mortgage loan qualification. Now that's something that would probably pend approval by the FHFA and critics cite volatility. I mean, there's been a pattern where every few years, Bitcoin drops 80% before rebounding, and I'm not exaggerating, and that has happened a number of times. And another administration desire is this potential Fannie Mae Freddie Mac merger, or an IPO an initial public offering. Can you tell us what that's about   Caeli Ridge  33:21   let's start with the crypto first, whether or not this, this gets through the Congress and or FHFA, however, that that develops and becomes actualized, that may be different than what the lending institutions decide to take a risk on, right the allowance of that crypto so it even if it's approved and they say that, Yes, that we can use this for asset depletion or reserve requirements, or whatever it may be. I don't know necessarily that you're going to see a lot of the lending institutions jump on board. I think they'll probably have overlays. It's just kind of the layering of risk on the crypto side to ensure that the asset and the underwrite is less likely to default. I don't see a lot of lending institutions that are probably going to jump on that bandwagon immediately. That's probably going to need more time and consistency with that particular asset class. That's the crypto thing. So that's a TBD on the other side, we're talking about conservatorship. So post, oh 809, right? The housing crash and Dodd Frank, if you've not heard of those names before, they're just the last names of individuals that that rewrote that sweeping legislation across all sectors of finance. Once we saw housing and lending implode upon each other, Fannie Freddie, as a result, went into conservatorship. Now what they're saying, what the administration is saying is, is that they are going to say that the implicit guarantee actually, let me back up really, really quickly. I will not take too much time on this so Fannie Mae and Freddie Mac The reason that those products are the golden tickets, as we call them, and we're just focused on investor products right now is because highest leverage, lowest interest rate. And why is it like that? That's because it has a United States government guarantee. Against default. So this mortgage backed security is bundled up with other mortgage backed securities and sold, bought and sold on the secondary market to investors, foreign and domestic. Right? Investors that are buying mortgage backed securities, they know that that paper is secure. If it defaults. We've got the United States government that's giving us a guarantee against default. So that's why it's such a secure investment. If we come out of conservatorship, technically, that would normally mean that you may not have that implicit guarantee. However, the Trump administration and those that are in that space, FHFA, Pulte and all those guys, they're saying that that guarantee should still apply if that happens, if that's how they release this, I don't see anything wrong if they do it without all of the volatility. You know, let's use the tariffs as an example. It was all over the place. It was there, and then it was gone. It was up, and then it was down. It was 30% then it was two right? It was it was just so much, and the markets really had a hard time with it. And as a result, I think a lot of people lost massive amounts of wealth in the stock market because of that. So I think that there is some real benefits to getting the Fannie, Freddie, the GSCs, government sponsored enterprises, out of conservatorship. I think it just opens up for more fair trade in the market. But they have to do it the right way, and as long as they keep that guarantee, that government guarantee, and then they take their time and apply the steps appropriately, I think it could be a good thing, ultimately, for the consumer. Now, if they don't, it could really have devastating impacts, and I think it could even raise interest interest rates higher. I know Trump and folks don't want that, so I think they're mindful of it. That's just kind of the take I get. But we'll see,   Keith Weinhold  36:42   yeah, because that's my preeminent thought with this. Shaylee, if Fannie and Freddie come out of conservatorship, and there's no government backstop on those loans, it seems like the banks are exposed to more risk, and consequently would have to compensate for that, potentially with a higher interest   Caeli Ridge  36:57   rate. You said it better than I did. Yes, I get too technical when I go down those rabbit holes. That's exactly right. I do not think that they will go down that that path without that implicit guarantee. I expect, if this thing comes to fruition, I expect that that guarantee will be there.   Keith Weinhold  37:13   Yeah, it does seem likely, with as much administration concern as there is about the housing market and the level of mortgage rates and all kinds of interest rates out there. Well, JAYLEE, this has been a great, wide ranging conversation all the way from strategy to what the administration is doing in interfacing with the mortgage market. If someone wants to learn more about you and your products, tell us what you offer, including your very popular all in one loan there at ridge.    Caeli Ridge  37:41   Ooh, thank you for teeing that up. Yeah, especially right now, when people have a lot of concern about interest rates right or wrong, the all in one is a very unique product that removes that fear. It's a way that investors, especially can take control of their equity, pay less in interest, and sometimes hundreds of 1000s of dollars less in interest, while maintaining equity and flexibility and liquidity. Cannot say enough about this product. The all in one. First lien HELOC is my very favorite. For the right individuals, we've talked about it many, many times. They can find us talking about it all over YouTube. You and I have quite a few conversations about that. So that and so much more, guys. So the all in one, you've got the Fannie Freddie's, our debt service ratio products, our bank statement loans, our asset depletion loans, ground up construction bridge loans for fix and flip or fix and hold. We really run the gamut there in terms of loan product diversity. There's very little we can't do for real estate investors. So we're uniquely qualified in that space   Keith Weinhold  38:36   and you offer loans in nearly all 50 states. Now tell us more and how one can get a hold of your company. Yes, we are   Caeli Ridge  38:44   licensed in 49 states. The only state we're not licensed in residentially is New York. We can still do commercial there. But to reach us, you can find us on the web, Ridge lendinggroup.com you can email us info@ridgelendinggroup.com and feel free to call us at 855, 74 Ridge 855-747-4343,   Keith Weinhold  39:04   I'm so familiar with all those avenues because, again, that's where I get my own loans myself. Chaley Ridge has been valuable as always. Thanks so much for coming back onto the show.    Caeli Ridge  39:13   Thanks, Keith.   Keith Weinhold  39:21   A lot of experts believe that stripping Fannie and Freddie's public backing and taking them public, yeah, that that will increase mortgage rates. See, besides there being more risk, like we touched on there during the interview, Fannie and Freddie would face strong incentives to increase profitability, to make an IPO appealing to potential investors, that's just another reason that would probably increase mortgage rates. But if you're the type that truly champions free marketeerism, then the government would get out of Fannie and Freddie and let them IPO, and you would want. To see that happen now you as an investor, you probably resonate with the fact that rather than having to methodically and even painfully save money for your next property, instead you can just borrow funds, tax free, out of your existing property, and that way, you're using more of other people's money, the bank's money, in this case, and less of your own. Similarly, if you avoid aggressive principal pay down well, you would just retain those funds in the first place. As you can see, Chely is really good at taking a deep look at what you've got to work with and helping you lay out a strategy that might make sense, keeping in mind and evaluating your cash, cash flow, equity DTI and loan to value ratios, they offer free 30 minute strategy sessions. You can book one right there on their homepage at Ridge lendinggroup.com Until next week, I'm your host. Keith Weinhold, don't quit. Sure. Daydream.   Speaker 2  41:07   Nothing on this show should be considered specific, personal or professional advice. Please consult an appropriate tax, legal, real estate, financial or business professional for individualized advice. Opinions of guests are their own. Information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of get rich Education LLC exclusively.   Keith Weinhold  41:31   You know, whenever you want the best written real estate and finance info, oh, geez, today's experience limits your free articles access, and it's got pay walls and pop ups and push notifications and cookies disclaimers, it's not so great. So then it's vital to place nice, clean, free content into your hands that adds no hype value to your life. That's why this is the golden age of quality newsletters, and I write every word of ours myself. It's got a dash of humor, and it's to the point because even the word abbreviation is too long, my letter usually takes less than three minutes to read. And when you start the letter, you also get my one hour fast real estate video. Course, it's all completely free. It's called the Don't quit your Daydream. Letter, it wires your mind for wealth, and it couldn't be easier for you to get it right now. Just text gre 266, 866, while it's on your mind, take a moment to do it right now. Text, gre 266, 866   Keith Weinhold  42:47   The preceding program was brought to you by your home for wealth, building, get richeducation.com.

Join us for this conversation with Kim Vopni, The Vagina Coach, where she shares her expertise on the often-overlooked topic of pelvic floor health. She explains the root causes of pelvic dysfunction and why it affects far more people than just mothers, highlighting the importance of awareness and proactive care for both men and women. Kim dives into common challenges such as pelvic floor pain and incontinence, offering practical strategies to address them and improve overall quality of life. She also introduces her signature Buff Muff Method, a program designed to strengthen and restore pelvic floor function in an approachable and effective way. This empowering conversation sheds light on an essential aspect of health that is rarely discussed, encouraging listeners to take charge of their pelvic wellness.Kim Vopni is a certified fitness professional and menopause support practitioner known as The Vagina Coach. She became passionate about spreading information on pelvic health after the birth of her first child over 20 years ago. Kim is a sought-after speaker, a women's health educator and the author of 3 books. Kim also certifies other fitness and movement professionals to work with women with core and pelvic floor challenges through her Buff Muff Method Practitioner Certification.SHOW NOTES:0:40 Welcome to the show!2:40 About Kim Vopni3:04 Welcome her to the podcast!3:53 What we're missing about pelvic floor health6:52 The right questions to ask women11:03 Root causes of pelvic floor dysfunction15:00 “Just in case” pee18:21 How to reduce the urge21:58 Statistics on incontinence27:16 Who is at the highest risk29:25 Vulvodynia & Pelvic floor pain31:35 Breathing for urination32:44 *ALIGN MAT*34:25 Where to start!38:06 Connection between low back pain and pelvic floor dysfunction39:24 Pelvic wands & other devices49:08 Diastasis Recti & musculature58:08 The Buff Muff Method1:01:41 Myths about estrogen1:05:22 Where to find her1:06:55 Her final piece of adviceRESOURCES:www.vaginacoach.comBuff Muff MethodInstagramFacebookPelvicglobal.comALIGN MAT - Discount code: biohackerbabesPUORI - Discount code: biohackerbabesSupport this podcast at — https://redcircle.com/biohacker-babes-podcast/donationsAdvertising Inquiries: https://redcircle.com/brands

1. Recognition of Somaliland The senator discusses efforts to urge President Trump to formally recognize Somaliland as an independent nation. Somaliland is portrayed as a stable, democratic ally of the U.S., strategically located near the Gulf of Aden. The senator criticizes China's influence in Africa, particularly its opposition to Somaliland's ties with Taiwan and the U.S. A letter to President Trump is read aloud, advocating for recognition based on Somaliland’s governance, military cooperation, and geopolitical importance. 2. Crime and Law Enforcement in Washington, D.C. The senator supports President Trump’s decision to deploy federal law enforcement in D.C., claiming it led to a significant drop in crime. Statistics are cited showing reductions in robbery, carjacking, and violent crime. The narrative criticizes Democratic leadership in D.C., alleging manipulation of crime data and failure to address public safety. The DC Police Union chairman is quoted, blaming legislative changes for the breakdown of the criminal justice system. 3. Criticism of Media and Democratic Leadership The hosts repeatedly accuse mainstream media of ignoring or misrepresenting stories that reflect positively on Trump or negatively on Democrats. There is a strong emphasis on the idea that Democrats prioritize political narratives over public safety, especially in high-crime urban areas. 4. Biden’s Use of the Autopen for Pardons The senator raises legal concerns about President Biden’s use of an autopen to sign pardons and executive orders. DOJ officials reportedly warned that some pardons were legally questionable and involved violent offenders, contradicting public claims. The discussion suggests that Biden may not have personally authorized some actions, potentially invalidating them. Please Hit Subscribe to this podcast Right Now. Also Please Subscribe to the 47 Morning Update with Ben Ferguson and The Ben Ferguson Show Podcast Wherever You get You're Podcasts. And don't forget to follow the show on Social Media so you never miss a moment! Thanks for Listening YouTube: https://www.youtube.com/@VerdictwithTedCruz/ Facebook: https://www.facebook.com/verdictwithtedcruz X: https://x.com/tedcruz X: https://x.com/benfergusonshow #BidenAdministration #ChineseinfluenceinAfrica #PresidentZelensky #Somaliland #DonaldTrump #PresidentDonaldTrump #DT #Democrats #DC #washingtonDCcrime #violence #Autopen #DOJ #Senatortedcruz#TedcruzYouTube: https://www.youtube.com/@VerdictwithTedCruzSee omnystudio.com/listener for privacy information.

In this episode of the Two Ds, One Podcast, hosts Dan and Mark discuss their recent vacation experiences, touching on the challenges of parenting, the humor found in family outings, and reflections on alcohol consumption. They delve into the evolution of language and profanity, share insights from the movie Team America, and explore the dynamics of their parenting styles. The conversation shifts to a discussion about baseball, focusing on the greatest players of all time (GOATs) and the significance of various achievements in the sport. The episode wraps up with a light-hearted look at the costs associated with family outings and the memories created during their time together. In this engaging conversation, Dan and Mark delve into the world of sports, discussing the impact of Jackie Robinson on baseball, debating the greatest players across various sports, and sharing nostalgic memories of legendary athletes. They explore the legacies of football icons, the unbreakable records of basketball greats like John Stockton, and even touch on the topic of gambling in sports, all while maintaining a light-hearted and humorous tone throughout. Takeaways Vacation hangovers are real and relatable. Humor is a key part of parenting. Language evolves over time, including profanity. Team America and South Park provide comedic insights. Parenting styles can vary greatly. Family vacations can lead to unexpected challenges. The cost of outings can be surprising. Baseball has a rich history of GOATs. Statistics in sports can be misleading. Memories created during vacations are invaluable. Jackie Robinson's impact on baseball was monumental. Debates about the greatest players often spark passionate discussions. Derek Jeter is considered one of the best-rounded players. Marshawn Lynch is celebrated for his unique personality and playing style. Barry Sanders is often regarded as one of the best running backs. Jerry Rice is widely recognized as the greatest wide receiver. John Stockton holds the record for the most assists in NBA history. The conversation about gambling in sports reveals personal insights. Nostalgia plays a significant role in discussions about sports legends. The camaraderie between sports fans is evident in their debates. Learn more about your ad choices. Visit megaphone.fm/adchoices