Podcasts about Summit

JOIN THE OWNING HER AUTHORITY SUMMIT (FEBRUARY 9-11)Ready to move from vision to action? The Owning Her Authority Summit is a free, 3-day virtual event delivered via a binge-worthy podcast feed. No travel, no Zoom fatigue—just world-class strategies you can listen to during your daily walk or school pickup line.What you get when you grab your free ticket:30+ Expert Sessions: Learn from best-selling authors and top-tier leaders on how to amplify your message and scale your impact.Lifetime Access: No expiring links! These conversations are yours to keep forever.Live Connection: Daily panel discussions and "Authority Activation" coaching with Kate.High-Value Giveaways: Enter to win 1:1 coaching and more by pre-ordering Kate's new book, The Live By Design Blueprint.

JOIN THE OWNING HER AUTHORITY SUMMIT (FEBRUARY 9-11)Ready to move from vision to action? The Owning Her Authority Summit is a free, 3-day virtual event delivered via a binge-worthy podcast feed. No travel, no Zoom fatigue—just world-class strategies you can listen to during your daily walk or school pickup line.What you get when you grab your free ticket:30+ Expert Sessions: Learn from best-selling authors and top-tier leaders on how to amplify your message and scale your impact.Lifetime Access: No expiring links! These conversations are yours to keep forever.Live Connection: Daily panel discussions and "Authority Activation" coaching with Kate.High-Value Giveaways: Enter to win 1:1 coaching and more by pre-ordering Kate's new book, The Live By Design Blueprint.

Hold onto your headphones because this week on The Chris Moyles Show was absolute chaos in the best possible way. And luckily for you, the podcast is back with all the best bits — because it was THAT good and we know you're desperate to hear it all again (or if you missed it in the first place then congratulations - your FOMO ends here!)Expect more silly games, a truly unforgettable birthday song for Exec Producer Aaron, Chris and Dom still want to be best mates with Nothing But Thieves and if you've heard us talk about Captain's old school band Hott Property… well we have a new version of their weirdly catchy track, like you've never heard it before!As well as all that fun Danny McNamara, lead singer of Embrace, joined us in the studio to chat about the exciting year ahead as the band celebrate their 30th anniversary. New album? Yep. Live tour? You know it! And music that might just be some of their best yet!After making history, Wumni Mosaku and Delroy Lindo came in to chat about Sinners, breaking the record with 16 Oscar nominations! But, the real question is was Delroy more excited about the sound of his voice on the radio than the actual nominations?TV royalty Ben Shephard also came in to say hello! Chatting about his brand new reality TV series The Summit, and taking a trip down memory lane with Chris, back to their Kilimanjaro climb, 17 years ago.And we're still not done… Fart songs (obviously)Multilingual Peppa pigChris and Dom's tech fail storiesEnjoy!The Chris Moyles Show on Radio X!Weekdays 6:30am - 10am

JOIN THE OWNING HER AUTHORITY SUMMIT (FEBRUARY 9-11)Ready to move from vision to action? The Owning Her Authority Summit is a free, 3-day virtual event delivered via a binge-worthy podcast feed. No travel, no Zoom fatigue—just world-class strategies you can listen to during your daily walk or school pickup line.What you get when you grab your free ticket:30+ Expert Sessions: Learn from best-selling authors and top-tier leaders on how to amplify your message and scale your impact.Lifetime Access: No expiring links! These conversations are yours to keep forever.Live Connection: Daily panel discussions and "Authority Activation" coaching with Kate.High-Value Giveaways: Enter to win 1:1 coaching and more by pre-ordering Kate's new book, The Live By Design Blueprint.

We report from the World Governments Summit, where we speak to Khalfan Belhoul of Dubai Future Foundation; German minister for digital transformation Karsten Wildberger; and Muhannad Tayem from Deloitte Middle East.See omnystudio.com/listener for privacy information.

What if we truly believed God's power gave us everything we need for life and godliness? That His power really is made perfect in our weakness? That His grace is actually sufficient for every circumstance we encounter?In this episode, we dive into the kind of thought patterns that keep us stuck in resentment + bitterness, instead of contentment (“must be nice” and “if I had what she had, I'd be able to…” are big ones!). And we talk about practical ways to reshape our thoughts to align with Truth from God's Word. The Bible tells us we are already overcomers if we have Christ. The goal is to truly start to believe and act on it! Sponsor Info:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Tighten Your Tinkler⁠Tighten Your Tinkler was created so women could heal – quickly and completely. Regain your strength while keeping your dignity.Visit tightenyourtinkler.com and take their free 5 minute quiz to start recovering now.Summit Ministries For over 60 years, Summit has equipped students ages 16-22 to defend, own, and live out a Biblical Worldview. Summit's Student Conferences create a space for teens. They will examine the true story of reality and its counterfeits, equipping them to become confident in their convictions and better ambassadors for Christ.Does this sound like something you want for your teen? Sign up here!Don't forget to use the code: MAMA26 for $500 off when stacked with the early bird discount!Mentions:You Bet Your Stretch MarksBible References:John 16:33James 1:17Matthew 22:36-40Matthew 7:13-142 Peter 1:3-42 Corinthians 12:92 Corinthians 12:10Matthew 51 Peter 5:7Mark 9:24Links:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Gentleness Challenge⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Penny Reward System⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Paint & Prose⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠M Is for Mama⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Penny Reward System⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

Michael speaks with Gregory Brew, Senior Analyst at the Eurasia Group and country analyst for Iran, about the high-stakes decision facing the Islamic Republic: "strikes or talks." Greg analyzes the upcoming diplomatic summit in Istanbul, where the U.S. is pushing for "maximalist concessions" regarding Iran's nuclear program, ballistic missile stockpile, and regional proxy networks like Hamas and Hezbollah. Greg also discusses the strategic leverage of the recent U.S. naval buildup in the Middle East and whether these talks are a deliberate pretext for military action against Tehran. Greg also breaks down Iran's internal "credibility crisis" and the future of regional stability. 

JOIN THE OWNING HER AUTHORITY SUMMIT (FEBRUARY 9-11)Ready to move from vision to action? The Owning Her Authority Summit is a free, 3-day virtual event delivered via a binge-worthy podcast feed. No travel, no Zoom fatigue—just world-class strategies you can listen to during your daily walk or school pickup line.What you get when you grab your free ticket:30+ Expert Sessions: Learn from best-selling authors and top-tier leaders on how to amplify your message and scale your impact.Lifetime Access: No expiring links! These conversations are yours to keep forever.Live Connection: Daily panel discussions and "Authority Activation" coaching with Kate.High-Value Giveaways: Enter to win 1:1 coaching and more by pre-ordering Kate's new book, The Live By Design Blueprint.

JOIN THE OWNING HER AUTHORITY SUMMIT (FEBRUARY 9-11)Ready to move from vision to action? The Owning Her Authority Summit is a free, 3-day virtual event delivered via a binge-worthy podcast feed. No travel, no Zoom fatigue—just world-class strategies you can listen to during your daily walk or school pickup line.What you get when you grab your free ticket:30+ Expert Sessions: Learn from best-selling authors and top-tier leaders on how to amplify your message and scale your impact.Lifetime Access: No expiring links! These conversations are yours to keep forever.Live Connection: Daily panel discussions and "Authority Activation" coaching with Kate.High-Value Giveaways: Enter to win 1:1 coaching and more by pre-ordering Kate's new book, The Live By Design Blueprint.

The US is ramping up efforts to secure its supplies of critical minerals. Vice-president JD Vance has proposed creating a new critical mineral trading bloc to loosen China's control over the sector. The approach could reshape global supply chains for materials essential to electric vehicles, semiconductors and defence systems. Ed Butler finds out more. Shares of Ozempic manufacturer, Novo Nordisk, dropped as nuch as 17% in the face of strong competition. Meanwhile its rival Eli Lilly, is forecasting strong growth. What's the outlook for weight-loss jabs? Elsewhere, the US has renewed an agreement that gives 32 African countries access to the US market. The African Growth and Opportunity Act was allowed to expire last September, after 25 years. It's now been re-authorised until the end of 2026, although Washington has warned it may reshape the deal after that.

The 2026 Design Live Thrive Summit brings together 25+ expert coaches for three days of live transformation, February 12-14. This free virtual event is designed for women ready to step into their purpose with clarity and confidence. In this pre-summit episode, Debbie Shadid and Thais Glenn introduce you to seven more incredible speakers who will guide you through real strategies that create lasting change. These coaches bring both professional expertise and lived experience. They've walked the path themselves.Here's what you'll discover at the summit:Breaking free from food addiction when you know what to do but can't follow through with Glenna Lashley, faith-based weight loss coach and family nurse practitioner who lost 255 pounds and kept it off for 8 yearsNavigating the financial and emotional complexities of widowhood with clarity and confidence with Kathleen Stapleton, CFP®, Registered Investment Advisor, insurance and tax advisorUnderstanding what's really happening with your hormones and metabolism after 50 when doctors say "everything looks normal" with Norma Rivera, functional health practitionerHealing and returning to work after pregnancy loss when the workplace offers minimal support with Lisa Kelly, grief coach specializing in workplace griefReclaiming your health, energy, and identity when chronic health challenges have left you feeling lost with Sharon Hoyland, female health identity coach and registered nurseResetting your life in midlife by organizing your time, space, and mindset with Monique Horb, professional organizer and life coachFinding life balance and giving yourself grace through major life transitions with Nicole Williams, life coach and mindset transformation coachShifting to a future self mindset and aligning your present with the life you want to create with Thais Glenn, mindset coach and summit co-hostBuilding a profitable boutique coaching business and discovering what it takes to become a coach with Debbie Shadid, business coach and summit hostEach coach has developed proven frameworks to help you create the transformation you're seeking.Saturday features an exclusive two-hour event for coaches only, where Debbie and Thais will teach you how to build a boutique-style coaching business that attracts ideal clients and creates sustainable income.Register free at designlivethrive.com. Upgrade to VIP for just $27 to schedule 30-minute coaching sessions with any speaker and access replays for a full year.Save your seat now: designlivethrive.comConnect with DebbieWebsite: https://www.debbieshadid.comInstagram: https://www.instagram.com/debbieshadid/Listen to the podcast Life Coach Business Building School: https://podcasts.apple.com/ca/podcast/life-coach-business-building-school-with-debbie-shadid/id1502118085Don't forget to subscribe for weekly episodes on coaching business strategy for women over 50, tech tools for coaches, and simple businessTired of spinning in indecision about what to post, how to sell your coaching, or explain what you do? This is your moment!Join me for a live edition of Fast Track + VIP coaching experiences where you'll get real-time feedback on your niche, offers, and marketing, plus the clarity and support you've been looking for.Spots are limited and enrollment closes soon.Let's connect → DebbieShadid.com/schedule

UAP Tracking technology is finally here. In this episode, we reveal the hard science behind UFO detection and the new sensor systems designed to capture UAP data In this episode, Matt sits down with Reed Summers and Rich Hoffman to break down the groundbreaking developments that will be revealed at the upcoming UAP Tracking Summit. We explore the specific technologies being deployed to detect and track Unidentified Anomalous Phenomena in our airspace. From new radar systems to coordinated citizen science data, learn how the scientific community is building the ultimate "UAP Trap."  This summit includes Congressman Eric Burlison, Dr. Garry Nolan, Dr. Beatriz Villarroel, Richard Dolan, Ryan Graves, and the field work of John and Jerry Tedesco.Join the two day UAP Summit: https://uapsummit.org/Become a supporter of this podcast: https://www.spreaker.com/podcast/the-good-trouble-show-ufo-uap-politics-interviews--5808897/support.Sponsorship Inquires:  sponsors@thegoodtroubleshow.comSubstack:  https://substack.com/@thegoodtroubleshowLinktree: https://linktr.ee/thegoodtroubleshowPatreon: https://www.patreon.com/TheGoodTroubleShowYouTube: https://www.youtube.com/@TheGoodTroubleShowTwitter: https://twitter.com/GoodTroubleShowInstagram: https://www.instagram.com/thegoodtroubleshow/TikTok: https://www.tiktok.com/@goodtroubleshowFacebook: https://www.facebook.com/The-Good-Trouble-Show-With-Matt-Ford-106009712211646Threads: @TheGoodTroubleShowBlueSky: @TheGoodTroubleShow

Many organizations say they want to invest in people, but their hiring and talent practices often tell a very different story.Degree requirements, limited benefits packages, and poor management practices continue to limit who gets access to opportunity and how teams perform. And the cost shows up everywhere: higher turnover, slower productivity, and missed potential.Fortunately, this week's guest brings clear data and practical strategies that show how companies can do better for both people and performance.Dr. Angela Jackson is a Workplace Futurist and ESG expert, founder of Future Forward Strategies, and a lecturer at Harvard Graduate School of Education. She works with entrepreneurs, F100s, and policymakers on the future of work. Dr. Angela holds a doctorate from Harvard University and serves on several boards, including Needham Bancorp. Her book, The Win-Win Workplace, became a New York Times, USA Today, and Los Angeles Times Best SellerIf you want to build stronger teams, reduce turnover, and boost performance inside your organization, this episode offers a practical roadmap.Get FREE mini-episode guides with the week's episode's big idea delivered to your inbox when you subscribe to my weekly email.Join the conversation now!Conversation Topics(00:00) Why “being your best self at work” is a business imperative(02:52) What is a “zero-sum workplace”?(06:05) What happens when workplaces invest in people(06:57) The 9 pillars of a Win-Win Workplace (overview)(12:26) What managers can do (even without company-wide power)(19:03) Distributed leadership and the Ownership mindset(26:57) A great manager story(29:30) How to connect with Angela(30:45) [Extended Interview] Building a deep talent bench(32:30) [Extended Interview] Hiring for skills, not credentials(36:18) [Extended Interview] How to design a skills-based interview

JOIN THE OWNING HER AUTHORITY SUMMIT (FEBRUARY 9-11)Ready to move from vision to action? The Owning Her Authority Summit is a free, 3-day virtual event delivered via a binge-worthy podcast feed. No travel, no Zoom fatigue—just world-class strategies you can listen to during your daily walk or school pickup line.What you get when you grab your free ticket:30+ Expert Sessions: Learn from best-selling authors and top-tier leaders on how to amplify your message and scale your impact.Lifetime Access: No expiring links! These conversations are yours to keep forever.Live Connection: Daily panel discussions and "Authority Activation" coaching with Kate.High-Value Giveaways: Enter to win 1:1 coaching and more by pre-ordering Kate's new book, The Live By Design Blueprint.

"There is value in being able to articulate the qualitative value of sustainability…And yes, obviously revenues can be attached to that, but obviously just the opportunity to open up new markets more broadly and innovate…There's the risk and compliance component, which tend to be more easy to actually quantify. And then there's the brand reputation…So you can make the case qualitatively in any of those three areas…There's this movement from morality to materiality now that CFOs are involved…We actually take that all the way to the financial statements, to the balance sheet, to the profit and loss statement, and identify those specific line items where there could be savings or synergies or increases." Maura Hodge on Electric Ladies Podcast   Companies have to focus on long-term value and returns, and a recent report by KPMG found that 88% of them say sustainability creates both. They also see it as a competitive advantage. Why? Listen to Maura Hodge, Chief Sustainability Officer of global management consulting and accounting firm KPMG in this enlightening conversation with Electric Ladies Podcast host Joan Michelson.   You'll hear about: ●        How companies see sustainability as a competitive advantage. ●        How sustainability and ESG initiatives drive return on investment and long-term value. ●        Why CFO's are on board with ESG, as both a risk mitigation and revenue driver. ●        What companies can do to make progress themselves. ●        Plus, career advice, such as:   "My experience has been looking for those opportunities of new area growth, innovation. Of course, there's risk. There's going to be risk when you move into those areas…I actually pivoted and started working with venture capital backed life sciences companies…then I got to come back to sustainability after that. …I think keeping your eyes open, keeping your ears open, developing your network, and being willing to make those changes and taking those pivots in your career will pay off….(And) the way that you get ahead is actually sometimes by taking two steps back. And so, it's more of a step up, plateau, then maybe take a step down and then start moving up again. And that's how you kind of break into the next level." Maura Hodge on Electric Ladies Podcast   Read Joan's Forbes article on Maura's panel at the Workiva conference here, and her Joan's other Forbes articles here.   You'll also like: ·       Business Leaders Bridging the Climate Gap – Joan's panel at The Earth Day Women's Summit 2025 with four top business leaders. ·       Sustainable Business Is Good Business – Tensie Whelan, Founding Director, NYU  Stern School of Sustainable Business. ·        Leveraging AI for Sustainability – Mandi McReynolds, VP of External Affairs & Chief Sustainability Office at Workiva ·       The Politics of Climate & Energy – with Congresswoman Chrissy Houlahan, Co-Chair, Bipartisan Climate Solutions Caucus ·       6 Ways Sustainability Can Help Businesses Navigate Tough Times and Drive Growth – From Workiva, KPMG and NYU   Subscribe to our newsletter to receive our podcasts, blog, events and special coaching offers.   Thanks for subscribing on Apple Podcasts or iHeartRadio and leaving us a review! Follow us on Twitter @joanmichelson

Rachel Smith is an OB-GYN, lifelong mountain-lover, and person with type 1 diabetes who set out to summit Mount Vinson, Antarctica's tallest peak, in some of the harshest conditions on the planet. After climbs like Kilimanjaro and Aconcagua, she realized the biggest curiosity was not just the summit itself, but the diabetes strategy behind it: insulin safety, altitude, tech failures, and what it takes to navigate unpredictable blood sugars when you are far from help.In this episode, Rachel takes us into a 13-day Antarctica expedition (8 days on the mountain), where the sun never sets, the cold hits -50°C, and even treating a low can become complicated. You will hear what surprised her most, what she would do differently next time, and the message she wants every person with diabetes to carry with them: progress over perfection, and your goals do not have to shrink because you have T1D.WHAT WE COVER:Why Rachel chose Mount Vinson and why she decided to share the diabetes side publicly this timeThe realities of climbing in Antarctica: 24-hour daylight, extreme cold, and carrying everything yourselfManaging T1D on Kilimanjaro (manual testing) vs. Aconcagua and Vinson (pump + CGM)What happens when diabetes tech fails at altitude and in the cold (pump alarms, sensors cutting out)How Rachel kept insulin from freezing and built in backups (including guide support)Fueling strategy on long climb days: lower-carb mornings, steady carbs during breaks, and why it matteredSafety conversations with guides: how hypoglycemia symptoms can mimic altitude sicknessKEY TAKEAWAYS:1️⃣ Your plan needs redundancy. Remote climbs demand extra supplies, backup delivery methods, and contingency plans for freezing, loss, and tech failure.2️⃣ The environment changes everything. Altitude, cold, disrupted routine, stress hormones, and long-duration exertion can make blood sugars feel unlike your norm. That is not failure, it is data.3️⃣ Zoom out to rebuild trust. Rachel's CGM graphs looked more stable in hindsight than they felt in the moment, which is a reminder not to let one chaotic window define your confidence.WHAT'S NEXT:

Going on a stupid hike for my stupid mental health…. calling everyone for a mood check-in! Links- To reach Collin: collin@wildwoodmagic.com Link to purchase the book, WildWood Magic: Walking as a Sacred Path (paperback or Kindle): https://bit.ly/wildwoodmagic Collin's Website: www.WildWoodMagic.com  Collin's Facebook Page:  http://www.facebook.com/CollinStuartChambers/   Collin on Instagram:  http://www.instagram.com/wildwoodmagic/ The Women's Circle Facebook group: https://www.facebook.com/groups/theWildWoodCircle The My Walking, Hiking, & Backpacking as a Sacred Path Facebook group: https://www.facebook.com/groups/walkingasasacredpath Collin's Free Gift to you "A Guide to Self-Empowerment Through Walking as a Sacred Practice": https://bit.ly/3sQMW1A To book an appointment to chat with me: https://WildWoodMagic.as.me/ Learn more about Dr. Diohn The Happy Life Tool Kit - https://www.amazon.com/Happy-Life-Toolkit-Diohn-Brancaleoni/dp/1792001487/ref=sr_1_2?crid=T3G2J73FA358&keywords=the+happy+life+toolkit&qid=1564001978&s=gateway&sprefix=the+happy+life+tool,aps,157&sr=8-2 Learn more about Annabel 52 Ways To Walk - https://www.amazon.com/52-Ways-Walk-Surprising-Wellness/dp/0593419952/ref=sr_1_1?crid=3N0WEKK89RN2A&dib=eyJ2IjoiMSJ9.vbY1Jli8cF3pFVSOzVBS5CG_N-eXV8GjrHPRaOJTBq-pXZjDqlX52kI3c0pHb7PNA_rc9HVLZg2qsEmLDMs8aUKoyyycNShx7ZtMPK-zH7eJk5-mBojK_dX9We57iNymflnoGobaWggxjCQy_oaejg.ohhc-ixdygNoIqueoNd-jTa-Y9Dj23OonCPAmZ0du6I&dib_tag=se&keywords=52+ways+to+walk&qid=1769976603&sprefix=52+ways+to+walk%2Caps%2C129&sr=8-1 Annabel on Instagram - https://www.annabelabbs.com/ Annabels' Site - https://www.annabelabbs.com/ Connect with Anna, aka Mud Butt, at info@traildames.com You can find the Trail Dames at: Our website: https://www.traildames.com The Summit: https://www.traildamessummit.com The Trail Dames Foundation: https://www.tdcharitablefoundation.org Instagram: https://www.instagram.com/traildames/ Facebook: https://www.facebook.com/groups/traildames/ Hiking Radio Network: https://hikingradionetwork.com/ Hiking Radio Network on Instagram: https://www.instagram.com/hikingradionetwork/ How to Connect with Annabel Abbs- Streets 52 Ways To Walk - https://www.amazon.com/52-Ways-Walk-Surprising-Wellness/dp/0593419952/ref=sr_1_1?crid=3N0WEKK89RN2A&dib=eyJ2IjoiMSJ9.vbY1Jli8cF3pFVSOzVBS5CG_N-eXV8GjrHPRaOJTBq-pXZjDqlX52kI3c0pHb7PNA_rc9HVLZg2qsEmLDMs8aUKoyyycNShx7ZtMPK-zH7eJk5-mBojK_dX9We57iNymflnoGobaWggxjCQy_oaejg.ohhc-ixdygNoIqueoNd-jTa-Y9Dj23OonCPAmZ0du6I&dib_tag=se&keywords=52+ways+to+walk&qid=1769976603&sprefix=52+ways+to+walk%2Caps%2C129&sr=8-1 Annabel on Instagram - https://www.annabelabbs.com/ Annabels' Site - https://www.annabelabbs.com/ Annabel on Audible - https://www.audible.com/pd/52-Ways-to-Walk-Audiobook/059355244X?qid=1769979944&sr=1-1&ref_pageloadid=not_applicable&pf_rd_p=83218cca-c308-412f-bfcf-90198b687a2f&pf_rd_r=Y0P8Z16VBZQN392R5EWK&plink=XoHFZbVvS4oBbm4x&pageLoadId=KbHGdhNNjZUEi2Ew&creativeId=0d6f6720-f41c-457e-a42b-8c8dceb62f2c&ref=a_search_c3_lProduct_1_1 Music provided for this Podcast by The Burns Sisters "Dance Upon This Earth" https://www.theburnssisters.com

We join our team at the World Governments Summit in Dubai for the latest from the event. Plus: the low-down on Singapore Airshow and a check-in from Spain’s annual global tourism fair, Fitur.See omnystudio.com/listener for privacy information.

Shoot us a Text.The More Than Cars team is on the ground ready to run hard during the NADA Show.Today, we'll be at the JD Power Auto Summit grabbing interviews and writing up all the sessions.Follow More Than Cars, Paul J Daly, Kyle Mountsier, Michael Cirillo for more great NADA Show Content.Join Paul J Daly and Kyle Mountsier every morning for the Automotive State of the Union podcast as they connect the dots across car dealerships, retail trends, emerging tech like AI, and cultural shifts—bringing clarity, speed, and people-first insight to automotive leaders navigating a rapidly changing industry.Get the Daily Push Back email at https://www.asotu.com/ JOIN the conversation on LinkedIn at: https://www.linkedin.com/company/asotu/

Keith shares how a recent trip to Colorado Springs and a changing commission landscape reveal what really matters for real estate investors now From there, the show dives into the three levers investors truly control—leverage, operations, and relationships—before welcoming lender Caeli Ridge to break down the major mortgage options for investors. You'll hear how different loan types fit different strategies: from your first conventional "golden ticket" loans, to DSCR loans based on property income, to short-term fix-and-flip and bridge loans that prioritize speed and flexibility.  The episode then moves into how more advanced investors can scale beyond 10 doors, navigate debt-to-income and tax strategy, and even approach financing for short-term rentals—all while highlighting why having the right lending partner and long-term plan can make a big difference to your results. Episode Page: GetRichEducation.com/591 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  For predictable 10-12% quarterly returns, visit FreedomFamilyInvestments.com/GRE or text  1-937-795-8989 to speak with a freedom coach Will you please leave a review for the show? I'd be grateful. Search "how to leave an Apple Podcasts review"  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— GREletter.com  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 with new ways to think about your life through goals momentum in the real estate market. Then learn about various mortgage loan types, conventional DSCR, fix and flip, bridge loans, short term rental loans and more. Knowing which loans to use can save you millions and learn the fatal mortgage mistakes you must avoid today on get rich education.   Corey Coates  0:29   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 and 188 world nations. He has a list show guests include top selling personal finance author Robert Kiyosaki. Get rich education can be heard on every podcast platform, plus it has its own dedicated Apple and Android listener phone apps build wealth on the go with the get rich education podcast. Sign up now for the get rich education podcast or visit get rich education.com   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  1:30   Welcome to GRE from Winnebago, Minnesota to Winnipeg, Manitoba, and across 188 nations worldwide. I'm Keith Weinhold, and you're listening to get rich education, the voice of real estate investing since 2014 before we get into the mortgage discussion, where we'll discuss five or 10 different investor loan types and their various pros and cons, which could save you millions over the course of your life. I shared with you that I traveled to Colorado A couple weeks ago, for a goals retreat hosted by the real estate guys, top notch event, I spent extra time there in Colorado Springs, because I find it really livable, and I spent five hours with a local realtor there, one day out and about visiting properties in the area I'm potentially looking for a home or a second home. And by the way, how is this for a price range? The realtor wanted to know what my Buy Box is, and since I'm just learning the Colorado Springs market, I told him I'm willing to spend between 400k and 1.2 million on the property, yeah, pretty wide range, a mile wide. Fortunately, my other Buy Box criteria are more narrow and specific, and I have got to say, I'm surprised at how low the area's home prices are. I thought they'd be higher. Interestingly, before touring homes, my buyer agent wanted me to sign a six month exclusive representation agreement. Fair enough, that's standard stuff. It was on the agreement, though, that I as the buyer pay a 3% commission up on the purchase, and the seller would presumably pay the other 3% to make up that total 6% commission for the agent compensation. Well, historically, the seller paid the entire 6% and this, of course, goes back to the NAR settlement, and that ruling that became effective in August of 2024 you probably remember this, and I talked about it on the show back then, and how it's not really that big of a deal, especially to investors like us, because at GRE marketplace and with our GRE investment coaching, it's a direct model. There's zero commission on either side, and then you, in turn, get some of those savings, but out in the larger world and in the owner occupant world. Well, that rule change that started a year and a half ago. It means that sellers are no longer required to pay the buyer's agent. Instead, the fee is now negotiable between buyers and their agent. The other change is that property listings no longer display the buyer agent's commission offer. But here's what's interesting in practice, and what really ends up happening in the end, in most cases, is that the seller still pays the full commission and compensates both agents that full 6% sometimes it's 5% instead of six buyers and buyer agents, they still operate under the seller pays. And that's largely because that has just been the norm. It's what's seemingly always been done. It's what buyers are used to. And the reason that that often persists. Is because the seller is the party in the transaction that has that thick equity in the property, deep equity, and buyers are the ones often just trying to scrape together whatever they can for a down payment and closing costs. Buyers are not going to be able to come up with another 15k for an agent commission when they're buying a 500k property, that's 3% especially today, this is true because American homeowners the seller then still have record equity positions of about 300k an all time high. Nearly half of mortgaged homes are considered equity rich. What does equity rich mean? It means that the loan balance is less than half of the home's value, yeah, the seller has the means to pay the full commission. So the point is, in practice, the seller, yeah, still pays that full five to 6% commission in the overwhelming majority of cases, and the buyer pays nothing. And if that does change, it's going to take a long time. You know, a lot of these evanescent real estate stories that people think are going to have some seismic impact. It rarely does, like this erstwhile NAR ruling or the 50 year mortgage proposal or banning big institutions for buying more single family rentals. You know, this stuff is like one little baseball sized asteroid striking an entire planet. I mean, it's like a barely discernible impact. Real estate is anchored in one place like Jabba the Hut. It is solid. These stories are interesting, but they're not impactful.   Keith Weinhold  6:52   Instead, I've mentioned it before. What are three things you control in real estate that really matter. And these are evergreen things. First, it's, how many dollars are you leveraging? That's where your wealth is going to come from. In fact, we're going to discuss that today with mortgage loan types. Second, what's the efficiency of operations on your existing properties? And thirdly, what is the quality of your relationships? And actually, we're addressing the third one today too, talking to a lender that you could make part of your team. You can control these three things. They're unyielding, they're evergreen, they're long term, and they all have gratitas and impact those three things, leverage operations and relationships. Now my agent drops me off and picks me up from my hotel here at the Broadmoor in Colorado Springs. This was also the event hotel for the goals retreat. I just extended my stay to hang out in the area. Look at real estate, do some climbing on Pikes Peak. Pro tip for you on hotel room rates, talk to a human being before I booked my stay, I called the front desk and asked them if they could extend the attractive event room rate to more nights on my extended stay. And they agreed. You might have heard of the Broadmoor. It is well known. It's been here for more than 100 years, and it is such a fine place to stay. Let me tell you about this special piece of real estate. In fact, I've thought it through, and I will now hereby proclaim that it is the finest us hotel experience that I've ever had in my life. I say us because I stayed at an amazing place in Dubai. But what makes the Broadmoor stand alone? It's the details and the service. A lot of hotels are nice, but this is on a different level. And I don't say this to brag, and this is because you probably can afford to stay here, yeah, like I have. You might have paid more elsewhere in your life for a lesser hotel, although I am here in the low seasons. Okay, now, sure, you've got views of the Rockies and a man made lake and waterfall and even a beautiful chandelier in my hotel room. The thing that sets it apart, though, is you have this service that feels old world and not corporate. That's what makes the difference. The Broadmoor is horse themed, since horses are a symbol of the American West. There are about 800 rooms here. It's kind of like a self contained adult Disneyland championship golf courses, a world class spa, even an outdoor lap swimming pool like that has lanes that I swam in one morning for. Fine dining, casual dining, access to hiking, fly fishing, even falconry, zip lines, tennis, pickleball pools. Take the cog railway to the Pikes Peak, Summit. Okay. Now, other nice hotels have attractions that are sort of like that, but when I rave about the service, it's the little things they are knocking on my door before 10am to come in and clean the room. And you know how so commonly, when you first check into your hotel room and you look in the closet, there are not enough clothing hangers, and they're all like stupidly mismatched. These all match. They're all nice wood, and there are plenty of them. So I'm talking about these details. I'm telling you. I had dinner at one of the broadmoor's restaurants the other night. I just happened to take a close look at the tag on the napkin. Sure enough, it is made in Italy. I mean, jeez, no detail is overlooked at this stellar place. In fact, here's what I'll do. You know, I'll just completely stop my Colorado Springs home search right now. Instead, I'm going to stop down by the Broadmoor front desk, tell him to give me some moving boxes, because I'm moving into the Broadmoor and I'll be here for the next decade. Start forwarding my mail here and everything. And hey, at least I was courteous enough to give them notice. I can't stay here too long, or my standards will be rising faster than my net worth. Yeah, yeah. Can't go to sleep with a mint on your pillow every night, I suppose.    Keith Weinhold  11:38   Now, the reason I came here now is to attend that aforementioned goals retreat, and let me take all the time and all the resources that I put into being here and distill them into just a few of the most salient takeaways for you. Goals should be smart, strategic, measurable, actionable, relevant and time based, they must be written down. Now, how would you describe yourself to somebody else that didn't know who you were? Write that down next. What do you think your reputation is? How would others describe you? Write that down now that you can see how you describe yourself and how others describe you, you can see that there's a gap there. That gap is what you need to work on. I learned that goal should be written in the present tense, not the future tense. I did not know that before. For example, say it is January 1, 2035, and I own $5 million in rental property. That's an example of how you would do that. So take future events and write them in the present tense. Other questions at the goals retreat that got really introspective are, what are you really going to do with your life? And write down that answer. Sheesh, that is tough. And if you think that's a hard question for you to ask of yourself, the next one is even harder. It's simply why? Why is that where you're going with your life? And then write that down? I mean, would you answer questions like this for yourself? And you really think about it, that can occupy a new segment of your entire headspace. It is a big cognitive load, and a last one to leave you with is to dream not just big, but gigantic. Get it out there, write down a dream that interests you, but it's so grandiose that you're actually embarrassed to tell someone about this stretch dream, for example, for me, it's the first person to walk on another planet. No human has ever done that, and this would most likely happen on Mars. See, this is so grand that is sort of embarrassing for me to even share that with you. It almost makes you sound Loony, like I would have to learn so many new skills to travel to and walk on Mars. But you should write down a bunch of other goals too. You're sort of brainstorming on goals, attainable goals. Recall that is the A in the SMART goals acronym, you want to write down a bunch of attainable ones, not just that stretch one. So for attainable ones, one of them is for me to become the highest man on earth. To give you an example. And I attempted that goal two years ago, and I failed. I told you about that at that time. But see now, compared to my embarrassing stretch goal of walking on Mars, the highest man on earth feels attainable, I know what it takes to achieve it, and it's worth doing, ah, but it's a grind to get there, yet it would be worth it. Those are some quick take. Ways from the real estate guys goals retreat while on stage the event host Robert helms he took a minute respite from the goals material, and he recognized the fact that, as he calls it, the four OG real estate podcasters are all in the same room. One of them is helms himself, and now I feel like the other three are all older and doing it longer than me. I was one of the four that he mentioned. But you know, there is only one podcast that was mentioned from stage, and that is that Robert helms told the audience that they should be listening to the get rich education podcast. That was a nice thing to say, and he is always a gracious giver.   Keith Weinhold  15:45   Next, we're talking about four major loan types, conventional DSCR, fix and flip and then bridge loans. When we discuss the first two parts of it could sound repetitive, but you'll see why we do this, because then you'll be able to compare it to nichey loan types that we discuss, for example, the speed of a bridge loan, where you can get funded in just one week, compared to a slower conventional loan. The mortgage landscape changes. I still remember how in 2012 we had still somewhat freshly emerged from the global financial crisis, and back then, you could only get four conventional loans, four rental properties, not 10 like you can today, 20 married. So get your loans while you can, you probably won't always be able to get 10 loans. We'll start with loan types that are more for beginners, and then we'll get to advanced material. Let's welcome back one of our favorite recurring guests.   Keith Weinhold  16:54   You can make millions more throughout your life by understanding mortgage loans. This is key, and today it's the return of the woman that's created more financial freedom through real estate than any other lender in the entire nation, because she's the president of ridge lender group. Hey, it's time for a big welcome back to the incomparable, yet somehow still so approachable Chaley Ridge   Caeli Ridge  17:16   my Keith, thank you for having me. I love being here. I love what you're doing. It's my pleasure, sir.   Keith Weinhold  17:23   And our followers, our listeners, have been approaching you since 2015 you're one of the longest running guests, truly one of the OGS around here at GRE and now Caeli, before we discuss loan types. You know, we don't really talk politics on this show rather policies, and we're in the midst of a presidential administration that often, in the name of the word affordability, is trying to supremely shake things up in the housing market. Help us dissect what matters and what won't.   Caeli Ridge  17:58   I have found that at least as it relates to current administration, whoever that might be, I wait for the buzzwords or the taglines to become the actual policy. Like you said, That's a good point in this case. You know, you've got things floating around, like the 50 year mortgage cutting off the hedge fund guys and that kind of thing. Whether or not, those things come to fruition. I'm happy to give my opinion on them. I do not think that it's going to move the needle much for the people that you and I serve with regard to I mean, just taking them one at a time, I don't think that the 50 year is going to come to fruition. Just first and foremost, if it did do, I think it would be a good idea for a homeowner, probably not, but for an investor, maybe if there's some way that we can keep our payment lower, given the maturity date of a mortgage for an investment property is usually about five years. I mean, I know that this is a 30 year fixed mortgage, but statistically speaking, the average shelf life of a non owner occupied mortgage is about five years. So getting a 50 year amortization, if that were going to reduce the payment, I don't think is a bad thing for an investor, however, and this may get a little bit technical for the listeners, so I apologize in advance if we were to go to a 50 Year am the adjustments, something called, and you and I have talked about this before, something called an llpa, that stands for loan level price adjustment, I think would be such that it could end up defeating the purpose of having the longer term amortization, because I think the interest rates would be higher and I think they may offset so that was a long way to say. One, I don't think it's going to happen. I don't think it's actually going to get to its final resting place. And two, would it be a good idea for investors, yeah, I think it would be worth considering if it kept the payment lower. Okay, that's that as the other piece to cutting off the hedge funds, the big, you know, BlackRock, some of the big players, and giving them access to the residential housing and first right of infusion or etc, because they've got such deep pockets. You. It's such a small amount to what our individual investors are going to have access to that I don't think that that moves the needle either. So I don't know if I'm answering the question, except to say anything that they're going to tout, I would wait for it to actually become written in stone and pass by the rest of the powers that be before I would get excited about or concerned about any of it.   Keith Weinhold  20:21   This is pretty parallel with what I've been telling our listeners. All these things seem to make splashy news, but I haven't seen anything that's going to make a deep impact yet, whether it's the 50 year mortgage, which probably won't even come to fruition, or if it's doing these mortgage bond buy downs in order to bring more liquidity into the market and bring rates down, or if it sees any of these other things being discussed with these institutional investors, since they already own such a smaller proportion of the housing market than a lot of people think, we'll discuss seasoned real estate investors and their loans shortly, but first for newer real estate investors, you Know, chili, I kind of think of four or more loan types that a beginner should be familiar with. I think of conventional loans, dscrs, fix and flips and then bridge loans, the first one with conventional loans. What are the basics that someone should know?   Caeli Ridge  21:17   So first of all, you should know that there are 10 of these. We call them the golden tickets. I'm pretty sure I coined this, okay, 100 years ago, the golden ticket. We call the conventional aka Fannie Freddie, aka agency. They go by different names, but they all mean the same thing. We call them the golden tickets because it's the highest leverage and typically at the lowest interest rate you can find. Now I do have a hook in our conversation today about that. I'll get we'll get to it. There are 10 of these per qualified individual. So one of the first things that I would tell somebody is, is that if they are a partnership or a husband and wife team, you want to make sure to keep the debt obligation separate, because if you want to maximize these golden tickets, let's just say it's a husband and wife team. You each have, per qualification access to 10, and that includes a primary residence. In fact, let me just take a quick second and define what counts in the 10, because some people get this wrong. So the 10 golden tickets are counted by any residential property, single family, up to four Plex that has a loan on it, where the loan is in the individual name or personally guaranteed by the individual. That's where people get tied up. So if they went out and got a kind of more of a commercial type loan, that was in an LLC name, for example, but they signed a personal guarantee, per Fannie Freddie guidelines, that particular mortgage is going to count against the 10. So those would be some of the first pieces of news or detail I would give them about conventional    Keith Weinhold  22:40   for married couples, don't take ownership in both the husband and wife's name, either the husband or the wife. That way, you can get to 20 rather than 10. And yes, you do have to be mindful that your primary residence does count in that 10 or 20, whatever it might be. Anything else quickly with conventional loans, LTVs so on,    Caeli Ridge  23:01   yeah, LTV can go to 85% loan to value. So you get a little bit extra than you're going to get in some of the other loan product types. It will have PMI, private mortgage insurance, anything over 80% LTV will always have PMI on a more conforming, conventional basis. So keep that in mind. But the factor is pretty low. I would encourage people that are looking to stretch the almighty dollar. Do the math. Look at the 85 with PMI against, say, an 80% and see what are you giving up versus what you're getting. And then qualification stuff, you guys, my dumb joke, it's Keith's favorite. I'm sure vials of blood and DNA samples are sort of required for the Fannie Freddie loans. So just be prepared to supply or submit us the tax returns and pay stubs and bank statements and and all that stuff,   Keith Weinhold  23:44   you'll feel like you're getting fingerprinted almost for a conventional loan qualification. And the second one that I brought up DSCR loans, that's short for debt service coverage ratio. And these mortgages are pretty standard for rental properties. They're underwritten based on a property's income potential. So you know, the way I think of dscrs Chaley from the lender's perspective, is that sustainable cash flow is what matters. The rent has got to support the property's monthly mortgage payments. So we talked to us more about dscrs.    Caeli Ridge  24:15   Yeah, I love this product, and this is for somebody that either can't fit into the conventional Fannie Freddie box, or maybe they've exhausted their golden tickets and they're graduating and moving on. This is a great option that will reduce the amount of vials of blood and DNA samples that you're going to have to submit. It still provides for a 30 year fixed mortgage. The leverage is roughly the same, 80% in most cases, on a purchase. And to your point, the gross income divided by the principal, interest, taxes, insurance and Hoa, if it's applicable, is the simple formula, the easy method I'll give people, just to kind of solidify that math, is that if the gross rents were $1,000 a month, and if the PI TI was $1,000 a month, when you divide that, your debt service is 1.0 Now you can go as low, believe it or not, as low as a point seven, five, DSCR, they have those available be ready for the interest rate to get a little hair on it. Okay, it's going to be higher than what the 1.0 and above is going to be. But you can go as low as point seven, five, those are going to be for the investors that have found a property, maybe in distress, and they cannot show the current market value rent, perhaps, and it's on the low end. So you can still get that done at point seven, five, just be ready for a higher interest rate.   Keith Weinhold  25:30   So the DSCR loan an alternative for you, which might be especially useful, like Chaley touched on, if you've already exhausted your 10 golden ticket. Fannie Freddie loans, a DSCR of 1.2 for example, means that your rent income needs to exceed your principal, interest, taxes and insurance payment by 20% or more. That's what we're talking about here. And then Chile, those were more of loans for the buy and hold type of investor. Tell us about fix and flip loans.    Caeli Ridge  26:03   Yeah. So these are shorter term loan that will allow you to include not just the purchase of the property, but also some renovation or rehab money if you need that. And we're going to be looking at an ARV after repair value. So you've got a purchase price, you've got your renovation or scope of work budget. And then we're looking for an ARV with the ARV to be somewhere around 75% so what that means, if you've not heard of this before, you're going to take, let's say, $100,000 value. And if we want the ARV to be at 75% we're going to lend 75,000 is kind of the mix there. Those are quicker loans. You're going to be paying much higher rates on those. You know, between nine and 13% depending on the deal. The points are also going to be a little bit higher, but a great option for that quick turn and burn where you know your deal has enough skin in it and you can recapture all your capital and make a good tidy profit on it.   Keith Weinhold  26:53   We're talking about basically fixer upper loans here with Chaley Ridge, the president of ridge lending group, yes, these are jalopies that rarely qualify for traditional bank financing. And oftentimes, when I think about these fix and flip loans, I'm thinking that often there is interest only flexibility with regard to those higher interest rates that you need to pay. And I think of it as, you know, a shorter term loan that you've got during your renovation period, oftentimes 12 to 18 months. Does that sound about right?   Caeli Ridge  27:24   Yeah, 6,18, even 24 months. And to your point, yes, all of these are going to be interest only. And one of the cool things is about these loans is, is that, if there's enough room in the deal, right, based on what you need to borrow and what we think the ARV is expected to be, you don't even actually have to be making those interest payments. You can build it into the final payout when we go to refinance you out of this short term loan, or you simply sell the property and pay off that loan. So for example, let's say that your interest only payment is $1,000 a month, okay? And the value of the property is going to be $200,000 and you only took 120 okay, we're going to be well within that 75% ARV. You can build in that $1,000 say, for 12 months, there's $12,000 and just add it to the outstanding balance that you started by owing, and not have to be making those payments on an ongoing basis. It's not rented, right? So it might be nice to be able to factor that in to the actual payoff when you go to refinance that if it's a fix and hold versus go to sell it on a fix and flip.   Keith Weinhold  28:31   Now, long term, we know that the big gains for real estate investors really come from that leveraged appreciation getting that loan. But sometimes there are situations where we might want to act as a cash buyer. And that brings up this fourth of four loan types that I brought up, the bridge loan, short term loans that can temporarily finance a property purchase while you're waiting for a longer term loan to come through. The bridge loan, so I think of it as a pretty speedy loan, if you sort of want to act like you're an all cash buyer.   Caeli Ridge  29:04   Yeah, I like this, and in many ways it's similar to a fix and flip interest only. Obviously the term is going to be shorter, six months, 12 months, up to 24 months, and based on largely relationship, the bridge loan for the purpose that you described, really comes into play for an investor that we know and we're comfortable with, we can fund those inside a week, for somebody that we've done several of these loans for. So for those that need that really quick turn, once you've established yourself as a seasoned, experienced investor in that space, those are pretty slick and easy to get through.   Keith Weinhold  29:39   Why would someone use a bridge loan, rather than a fix and flip loan.   Caeli Ridge  29:43   So if they're in a very competitive market, that might be another option, because those are going to be faster. The bridge loan is going to be faster where they need to say that they're an all cash buyer and they only need seven days to close, or whatever it is. It depends on the municipality in the state. But what if you're at the courthouse steps? And you need cash quickly. Sometimes it needs to be immediate. So that might not be applicable in this case, but if you put the bid in, and you win the bid, and you've got, you know, three days to perform, usually we can get those done. So it's circumstantial. Those would be two variables or two scenarios that that would apply to   Keith Weinhold  30:17   the bridge loan gives you the advantage of speed, but that speed can come at a cost.   Caeli Ridge  30:22   Oh yeah, yeah, you're going to be paying probably three points, maybe four points, and it's short term interest, 13, 14%   Keith Weinhold  30:30   so with these four loan types that we've discussed, conventional DSCR, fix and flip and bridge loans, you can kind of see that there is a loan for most every investment scenario, and there's no reason to rely on only one type, a flipper. Might start with a short term fix and flip loan or a bridge loan and then later refinance to a DSCR or a conventional loan. So consider mixing and matching based on your needs. You're listening to get rich education. We're talking with Ridge leninger, President Taylor Ridge, more when we come back, including steps for more advanced investors, I'm your host. Keith Weinhold   Keith Weinhold  31:06   mid south homebuyers with over two decades as the nation's highest rated turnkey provider, their empathetic property managers use your return on investment as their North Star. It's no wonder smart investors line up to get their completely renovated income properties like it's the newest iPhone, headquartered in Memphis, with their globally attractive cash flows, mid south has an A plus rating with a better business bureau and 4000 houses renovated. There is zero markup on maintenance. Let that sink in, and they average a 98.9% occupancy rate with an industry leading three and a half year average renter term. Every home they offer you will have brand new components, a bumper to bumper, one year warranty, new 30 year roofs. And wait for it, a high quality renter in an astounding price range, 100 to 150k GET TO KNOW Mid South. Enjoy cash flow from day one at mid southhomebuyers.com that's mid southhomebuyers.com    Keith Weinhold  32:08   you know, most people think they're playing it safe with their liquid money, but they're actually losing savings accounts and bonds. Don't keep up when true inflation eats six or 7% of your wealth. Every single year I invest my liquidity with FFI freedom family investments in their flagship program. Why fixed 10 to 12% returns have been predictable and paid quarterly. There's real world security backed by needs based real estate like affordable housing, Senior Living and health care. Ask about the freedom flagship program when you speak to a freedom coach there, and that's just one part of their family of products, they've got workshops, webinars and seminars designed to educate you before you invest, start with as little as 25k and finally, get your money working as hard as you do. Get started at Freedom family investments.com/gre or GRE, or send a text now it's 1-937-795-8989, yep, text their freedom coach, directly again. 1-937-795-8989,   Keith Weinhold  33:19   the same place where I get my own mortgage loans is where you can get yours. Ridge lending group and MLS, 42056, they provided our listeners with more loans than anyone because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage, start your pre qual and even chat with President chailey Ridge personally, while it's on your mind, start at Ridge lending group.com that's Ridge lending group.com   Blair Singer  33:53   this is Rich Dad, sales advisor, Blair singer. Listen to get rich education with Keith Weinhold. And above all, don't quit your Daydream.    Keith Weinhold  34:09   Welcome back to get rich education chili when we go beyond this beginner stage that we've been discussing, how about for an investor just trying to scale to 10 doors worth of one to four unit properties. Now, are there any strategies there or more of a loan order that you would recommend in getting up to your first 10 you know   Caeli Ridge  34:29   I think the strategy starts with calling your lender, ideally Ridge lending group, and having that deep strategy call that, that discovery call, so that we can really understand and plant some seeds that say, Okay, Mr. Jones, these are your qualifications today. This is where you want to be in a year or 10 years. These are the steps that are going to be important that we are mindful of and we take to accomplish and reach those milestones. It's really important to have that baseline understanding of what is your debt to income ratio on day one, what are your assets? Sets. What is your credit? Where do you want to be in a year or 10 years? Right? Do you want 10 properties in a year's time? It's going to be a very different conversation than if you're going to slow roll this and want to establish 10 purchases or 10 investment properties over 10 years. So identifying those details is going to be part one, and then next, in terms of order, I would say, largely the higher price point properties, typically, I would say, put those in one through six. And the reason that I'm saying that is is that the underwriting guidelines under conventional financing, they will change based on how many finance properties you have. So of all of the inner working guidelines and things that go into securing a conventional mortgage loan, the three top most heavily weighted are going to be debt to income ratio, credit score and assets. Okay? And within each one of those, the marker or the qualification guideline changes as you evolve and acquire more property. So the higher up the ring you go, or the rung that you go to 10, the more restrictive the guidelines are going to be. So I would typically say, get the higher price point properties go into maybe one to four, one to six, if that's part of your strategy and your diversification of portfolio ownership. Then after you've established having two or three or four properties and that higher price point it as it gets harder to qualify, potentially, if your debt to income ratio is a little bit tight, you've got the smaller loan sizes that might be less impactful in debt to income ratio. All of this is very subjective to the individual's qualifications and needs, of course, but that might be one rule of thumb that I would take   Keith Weinhold  36:39   gosh, this This is absolute gold in helping you structure the architecture of a growing income property portfolio. And we're coming up on this Super Bowl, and whatever mortgage lender advertises for the Super Bowl or has some big, splashy campaign nationally, you know they are not the ones that are going to have conversations like this for you, they might be fine for buying a primary residence, but this is why you want to have a long term strategy and work with a lender that's aligned with you on exactly that sort of thing. And Chaley, is there a specific way in which one can avoid hitting the Fannie Freddie loan ceilings too early if you haven't already touched on it.    Caeli Ridge  37:22   Yeah, very good question. You know, I think that this is going to come down to a debt to income ratio conversation. It's easy enough to ensure that we contain assets and credit. Those are easier conversations. The debt to income ratio is the piece that's more complicated and can get away from an investor without them even knowing it. You don't know what you don't know, right? So I would say that debt to income ratio and making sure that your lender again, hopefully Ridge lending, because we know this like we know our own faces, making sure they know how to structure and provide feedback and consult on that schedule E, part of the beauty of real estate investing is the tax deductions. Right? Many people get into real estate investing, not for the cash flow, not even for the appreciation, but for that tax strategy, because they're high wage earners, or whatever it may be, and they're sick of paying x in taxes. So the debt to income ratio is key in scaling and making sure you can continue to qualify for those loans. The conversations that we have with our clients really go deep about where we can maximize our deductions to ensure that we get the tax benefit without precluding our qualification on a conventional underwriting basis in the DTI category.   Keith Weinhold  38:35   Now, during my growth as an investor, when I got above 10 doors, one gets above 20 doors. When one gets to 216 doors, I began where I needed to qualify more on a DSCR basis, where the lender is looking at the properties qualification, more so than me. So are there any other thoughts with regard to how one can set themselves up for success in really going big and well beyond 10 doors   Caeli Ridge  39:03   absolutely so once we've exhausted the Fannie Freddie, and I think one of the real value adds about Ridge is that we are not a one size fits all, and we are extremely holistic versus transactional. So having that first conversation and understanding what those goals are, so that we can pivot as we need to maximize the golden tickets, whether that be 10 to 20, right? If you're in a marriage or a partnership or whatever, and then setting up for the DSCR loans when the time comes, and taking advantage of those, there is no limit to how many DSCR loans we can get for one individual. We have yet to file an individual that we've had to say no, and we've done quite a few of the high, high acquisition investors, so I don't expect that to be an issue, but yeah, I think it's about planning, planting those seeds, creating roadmaps together and have those smart discovery conversations.   Keith Weinhold  39:50   Now, as you grow, one way you might diversify is to have perhaps at least a part of your portfolio in short term rentals. So what I. Comes to getting loans for sort of Airbnb or VRBO type properties. What does one look for there? How much does the landscape change versus the longer term rentals that we've mostly been talking about here?    Caeli Ridge  40:10   Yeah, I think that the differences are going to be about purchase versus refinance. If we're just talking about purchases, let's kind of try to keep it in one lane. If we're talking about purchasing a short term rental, you may be limited on leverage. You might lose a little bit of leverage, 5% let's say you could get to 75% and maybe on a short term they're going to back it off to 70% LTV, so there may be reduction in that loan to value. And the way in which we're going to quantify the income is absolutely important to share with your listeners on a purchase transaction, we have access to things like an appraisal. An appraisal is going to give us some median rental income, whether it be long term or short term, that we will use to offset a new mortgage payment if that's needed for the individual's debt to income ratio qualification. Now, if they don't need the rental income to qualify, then it's a non issue. But if they do, like most of us, need that rental income to absorb this new mortgage payment that we are securing for them, how that's going to quantify is important. So if it's not in a short term rental area, let's just say it's kind of off the beaten path, and there may not be enough data points to support the income that you need. It's important to know that up front versus way down the rabbit hole, when you paid for appraisals and you're all the way through the transaction and earnest money might be off the table if you had to cancel that kind of thing. So really important to understand the numbers in advance, I would say, when we talk about short term rentals and how the income is going to be quantified from an underwriting perspective,   Keith Weinhold  41:43   why does a borrower often need to make a higher down payment on a short term rental than they do a long term rental?   Caeli Ridge  41:49    You know, I think that in secondary markets, as we talk about mortgage backed securities and things like that, it's looked at as a higher risk. A short term rental is going to be a higher risk than just the stable long term, long burn tenant is going to be there and they've got their lease for a year, two years or whatever, at a time, the short term rental is more volatile and it's seasonal. It can be I mean, there's all those different factors, so higher risk means more skin in the game for the investor.   Keith Weinhold  42:13   That makes a lot of sense. Does that higher risk also translate into a higher mortgage rate for short term rentals than long term rentals?   Caeli Ridge  42:18    Fannie Freddie versus DSCR The answer is no. On the Fannie Freddie side, the interest rate's not going to change on a DSCR loan. Yes, it can be slightly higher, usually about about a quarter of a percentage point on a short term versus a long term.   Keith Weinhold  42:33   Now, are there any particular markets that lenders want to avoid with short term rental loans?   Caeli Ridge  42:39   No, as long as the property is habitable, and all the other metrics fit Qualifications and Credit and assets and all that stuff. No, there isn't a market that we're going to have any issues with now. We do get the notifications for natural disaster areas, and as that relates to the appraisal and things like that, if it's in a natural disaster area or zone, we may have to hold funding until after the disaster is over, and then we can go and take more pictures and make sure it's still standing and there's no major issues. But otherwise, aside from that, as long as it's habitable, no, there is no market restriction.   Keith Weinhold  43:12   Yes, with that variability of income for short term rentals, you can understand how a lender would be more careful in making a loan, and would want you, the borrower, to put more skin in the game for a short term rental. Well, Caeli, overall, what should an investor do in the next 24 hours to make themselves more lendable before contacting someone like you?   Caeli Ridge  43:36   I would say the answer is sticky, but call rich lending group. That's how you're going to make yourself more lendable. And the reason that I can say that is is that everybody's qualifications and needs and goals are inherently different. So calling someone that understands this landscape and can navigate the battleship in the creek like I like to say, that's the visual aid for those of you that need the visual is the first key. And with that conversation, we're going to be able to identify for you specifically what you would need to do to become more lendable. And it may be nothing   Keith Weinhold  44:07   well over there, Chaley, you're growing. You do loans in almost all 50 states. The GRE podcast has more than 5.8 million listener downloads, and you have helped countless GRE listeners acquire smart investor loans for fully a decade now. Just amazing. So talk to us about all of the loan types that you offer investors there at ridge.   Caeli Ridge  44:30   My gosh. Okay, so I think one of the real value adds for us is that we have such a diverse menu of loan products. We touched on a few of them already. So we've got the conventional Fannie Mae Freddie, Mac stuff. We've got our DSCR loans. We have bank statement loans, asset depletion loans. I can touch on those if you want. Keith, we have our short term bridge fix and flip. We have our All In One my favorite, first lien, HELOC we have second lien HELOCs. We have commercial loan products, and commercial can apply to residential and commercial property. A cross collateralization, commercial for residential properties. That just means, if you're putting 10 single families into one blanket loan, that would be cross collateralization, or if you're buying a storage unit that's straight commercial, and probably even more than that, ground up construction, there's really not a limit to the loan products that we offer, specifically for investors. The only thing we don't have, I would say in our arsenal is bare land loans. Those are hard to come by   Keith Weinhold  45:24   It sounds like you recommend a call in order to get some of that back and forth, to learn how you can best help that investor. But tell us about all the ways that someone   Caeli Ridge  45:32   can get a hold of you. Yes, there's a few ways. Of course, our website, ridgeline group.com, you can call us toll free at 855-747434385, 747-434-3855, 74, Ridge. Or feel free to email us info at Ridge lending group.com   Keith Weinhold  45:49   and you might get lucky. Hey, spin the wheel. Chaele does get on the phone and talk to individual investors herself too. So Chaley, it's been valuable as always to cover all these different loan types for beginners, and then what one does when they advance beyond that. It's been great having you back on the show.    Caeli Ridge  46:09   Thank you, Keith. I appreciate you.   Keith Weinhold  46:16   Oh yeah, a lot to learn from Chaley today. You've got mortgage rates three quarters to 1% lower than they were a year ago. At this time, in fact, last month, they ticked below 6% for the first time in years, and their lowest level in over three years. But when you introduce geopolitical uncertainty, well, that tends to make rates tick up again. Now, just what does happen when you have a lower overall rate trend like we have? Well, in this cycle, it's already spurred an increase in housing sales volume. It surged to 4.3 5 million in the latest reporting month, and that is the hottest annualized pace in nearly three years. Some of the same people who said, wait until rates fall, they're about to realize that prices didn't wait. Demand comes back fast. Inventory doesn't if mortgage rates take another leg lower, we could see quite a refinance wave in balanced markets or in supply constrained markets, bidding wars could follow. Now I've shared with you before that I totally do not predict interest rates. I don't know if anyone should. It is a great way to be fantastically wrong and supremely waste a lot of people's time. Instead, I think it's more efficacious for you to be able to interpret the signs that can trigger a further rate drop. Those signs are a weak jobs report that tends to bring lower rates because the labor market needs the help. So does softening wage growth, GDP below expectations, inflation continuing to cool, or a pickup in US Treasury demand. These are all signs that can lead to even lower rates. In fact, right now, with already lower rates and higher wages, real estate is more affordable than it's been in about three years, but overall, longer term, yeah, income properties still feel somewhat less affordable. It's less affordable than it was in pre pandemic times. That's for real for US investors, though, affordability is less about the price of the property, it's about whether the property pays for itself and grows your net worth while inflation does the heavy lifting for you, that's why it still works for us as investors. Higher prices don't kill investors inaction during inflation does you're not so much buying a say, 350k property. You're controlling it with 70k while your tenant and inflation do the rest. We don't rely on hope or appreciation. We start with inflation, tax benefits and debt pay down, and then appreciation typically happens too. A lot of times, the question for us goes beyond whether or not a property is affordable. The question is whether owning an investment property is better than inflation compounding against us, which is an investor mindset for this era, Ridge landing gear. President Chaley Ridge is a regular guest here because the mortgage space is so dynamic and things change a lot. For that reason, we expect to have her with us every few months this year, I'll see you next week. I'm your host. Keith Weinhold, don't quit your Daydream.   Speaker 2  50:01   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  50:30   The preceding program was brought to you by your home for wealth building, getricheducation.com   

In this episode, Steve talks about the 3 ways he grew his business with AI and how both Steve and Dave currently integrate AI in their e-commerce businesses to improve their Shopify stores. They talk about how AI can enhance on-site search, improve product recommendations, identify B2B customers, and maybe even improve customer support.  Steve Chou from My Wife Quit Her Job is back on the podcast!  He's on the podcast to talk about how he incorporates AI into his e-commerce business, how he created custom plugins specifically, and the projects he's working on to increase revenue in his business.  If you're looking into ways you can diversify outside of Amazon, this episode is for you. Sign up for Seller's Summit and catch Mike and Dave in person! You'll be part of an intimate Mastermind session, attending interesting talks with practical strategies and you get to catch up with Mike and Dave in person.   Timestamps 00:00 - Introduction to AI in E-commerce 02:59 - Understanding Traffic Sources and Sales 06:11 - Enhancing On-Site Search with AI 08:54 - Leveraging AI for Product Recommendations 11:53 - Identifying B2B Customers with AI 14:48 - The Future of Customer Support with AI 18:07 - AI's Impact on Amazon and E-commerce 21:08 - Conclusion and Seller Summit Details As always, if you have any questions or anything that you need help with, leave a comment down below if you're interested. Don't forget to leave us a review over on iTunes if you enjoy content like this. Happy selling and we'll talk to you soon!

---------------------- For our listeners, use the code 'EYECODEMEDIA22' for 10% off at check out for our Premiere Billing & Coding bundle or our EyeCode Billing & Coding course. Sharpen your billing and coding skills today and leave no money on the table! questions@eyecode-education.com https://coopervision.com/our-company/news-center/press-release/coopervision-and-aoa-join-forces-launch-myopia-collective Go to MacuHealth.com and use the coupon code PODCAST2024 at checkout for special discounts  Show Sponsors: CooperVision MacuHealth

JOIN THE OWNING HER AUTHORITY SUMMIT (FEBRUARY 9-11)Ready to move from vision to action? The Owning Her Authority Summit is a free, 3-day virtual event delivered via a binge-worthy podcast feed. No travel, no Zoom fatigue—just world-class strategies you can listen to during your daily walk or school pickup line.What you get when you grab your free ticket:30+ Expert Sessions: Learn from best-selling authors and top-tier leaders on how to amplify your message and scale your impact.Lifetime Access: No expiring links! These conversations are yours to keep forever.Live Connection: Daily panel discussions and "Authority Activation" coaching with Kate.High-Value Giveaways: Enter to win 1:1 coaching and more by pre-ordering Kate's new book, The Live By Design Blueprint.

JOIN THE OWNING HER AUTHORITY SUMMIT (FEBRUARY 9-11)Ready to move from vision to action? The Owning Her Authority Summit is a free, 3-day virtual event delivered via a binge-worthy podcast feed. No travel, no Zoom fatigue—just world-class strategies you can listen to during your daily walk or school pickup line.What you get when you grab your free ticket:30+ Expert Sessions: Learn from best-selling authors and top-tier leaders on how to amplify your message and scale your impact.Lifetime Access: No expiring links! These conversations are yours to keep forever.Live Connection: Daily panel discussions and "Authority Activation" coaching with Kate.High-Value Giveaways: Enter to win 1:1 coaching and more by pre-ordering Kate's new book, The Live By Design Blueprint.

Trey and Mitty sit down to go over the exciting announcements for the upcoming year coming out of the Winter Summit. Some enticing, and some downright silly. What are you most excited for?   Call in on Speakpipe and leave us a voice message! Join the community discord: https://discord.gg/Zn8prWG You can support the show at: www.Patreon.com/TheWildernessPodcast  Come hangout in-game in our clan 'Wild' Get in touch with us at TheWildernessPodcast@gmail.com

UK prime minister Keir Starmer lands in Japan as he looks to improve his nation’s ties with East Asia. Plus: we head to Dubai for the World Governments Summit and to Los Angeles for the Grammy Awards. Then: the business behind couture. See omnystudio.com/listener for privacy information.

Ready to transform your life? The 2026 Design Live Thrive Summit is a free virtual event happening February 12-14 where expert coaches will guide you toward the life you've been dreaming of.Save your seat now: https://www. designlivethrive.comIn this pre-summit episode, Debbie Shadid and Thais Glenn sit down with six more incredible summit speakers to give you a preview of the transformation waiting for you. These aren't just motivational talks. These are real strategies from women who've walked the path and know exactly how to help you move forward.Discover powerful insights on topics that matter most:Finding financial clarity and confidence for your next life chapter with Therese Nicklas, Wealth CoachRecognizing your body's warning signs before exhaustion becomes your new normal with Jane Hobson, functional nutrition and lifestyle practitionerCreating calm and safety at home when parenting feels impossible with Dr. Michelle Alden, counselor and parenting specialistReconnecting with your soul's calling when you've ignored it too long with Kathleen Johnson, transformational soul mentor and medical intuitiveBreaking free from the overthinking cycle that keeps you stuck with Dr. Cheryl, wellness and resilience coachFinally keeping weight off for good after bariatric surgery with Charlotte Thomas, bariatric weight loss coachEach of these coaches brings professional expertise combined with lived experience. They've navigated their own challenges and developed proven frameworks to help you create lasting change.This is just a glimpse of the 25+ coaches ready to support you at the summit. If you're ready to step into your purpose with clarity and confidence, this event is for you.Save your seat now: https://www. designlivethrive.comConnect with Debbie: Website: https://www.debbieshadid.com Instagram: https://www.instagram.com/debbieshadid/ 

Recently retired PowerShell icon Don Jones joins The PowerShell Podcast for a wide-ranging conversation on career ownership, community leadership, and building a life that aligns with what you actually value. Don reflects on the difference between your job and your career, why investing in yourself pays off, and how asking better questions can change the way you influence decisions at work. The episode also dives into Don's journey as a fiction author, his role in shaping the PowerShell community and Summit culture, and why real success comes from clarity, kindness, and helping others win.   Key Takeaways: • Your employer owns your job, but you own your career—define your destination and build the skills to get there. • Strong careers are built on outcomes, not tools—focus on saving time, reducing errors, and delivering measurable business value. • Community scales when you empower others—create space for people to contribute, own wins, and multiply the impact beyond yourself.   Guest Bio: Don Jones is a foundational figure in the PowerShell community, known for his decades of teaching, writing, and advocacy for automation and professional growth. A former Microsoft MVP, Don co-authored the widely influential Learn PowerShell in a Month of Lunches series and helped shape community culture through conferences, mentorship, and leadership. Now retired from full-time work, Don continues writing and publishing fiction, bringing the same clarity and craft to storytelling that made his technical teaching so impactful.   Resource Links: • Don Jones Website and Books – https://donjones.com Andrew's links: https://andrewpla.tech/links • PowerShell + DevOps Global Summit – https://powershellsummit.org • Tech Impact (nonprofit mentioned) – https://techimpact.org • PowerShell.org – https://powershell.org • PDQ Discord – https://discord.gg/PDQ • PowerShell Wednesdays – https://www.youtube.com/results?search_query=PowerShell+Wednesdays The PowerShell Podcast on YouTube: https://youtu.be/xKh8rqCqMQg  

Let's talk launching not just a comic but an entire comics universe with the brilliant creators behind the Summit Universe! Tyler welcomes Travis Gibb, Marcus Jimenez, C. J. Hudson, and Karla "Moon" Medrano, who are among the 30+ creators who have come together to create a brand new shared superhero universe. Learn about their debut project 'Summit Pinnacle #1,' currently live on Kickstarter and the unique collaborative process that sets Summit apart from other indie comic ventures.

On this week's show, we bring you more highlights from the 2026 Kentucky Conservation Committee's Legislative Summit that was held online on Sunday afternoon, January 25th. You can learn more about it and find links to all the great materials referenced at https://kyconservation.org/legislative-summit-2026 The Summit includes a review of conservation legislation and trainings on key conservation and environmental issues in Kentucky to provide you with all the necessary advocacy tools you need during the 2026 Kentucky General Assembly and beyond. These sessions included a broad look at the anticipated topics of the 2026 General Assembly, related federal legislative issues, basic training on ways for citizens to engage as a “citizen lobbyist”, plus tips on how to be more effective with your legislative advocacy in a virtual world or in person. On today's show, we take a deep dive into two environmental issues that have been very threatening to communities throughout the Commonwealth, but particularly in Appalachia: flooding and the construction of hyperscale data centers. After a brief welcome from KCC Director, Lane Boldman, you'll hear from Brian Storz, the Licking River Basin Coordinator at the Kentucky Division of Water on nature-based solutions for stormwater mitigation. After that, we switch gears to hear from Max Moran and Janet Garrison, two citizen activists with the “We are Mason County” Citizen's Group who have been mobilizing at a grassroots level to resist the steamrolling of data center developers over the health and wellbeing of their neighbors. Explore these great resources: View Brian Storz's Presentation Slides on Green Sink Stormwater Mitigation at https://drive.google.com/file/d/1T6z9gwKJ4nkpc8qrkpvPuDwhdpX28FJn/view?usp=sharing Nature's Solutions for Stormwater Management: https://drive.google.com/drive/u/0/folders/13muZspC-g1HgtXP9LDfIQSoQjZMzVA4J Building a Flood Resilient Kentucky: https://drive.google.com/file/d/1HHpbDgj8B8X508C5ThrROLjv-RWbUge3/view?usp=sharing VIDEO of the presentation on data centers is at https://vimeo.com/1158645052 Presentation Slides: Data Centers and Community Action: https://drive.google.com/file/d/13OOBpwSNoJe47y9UFuFhrPL1yZVEv1Y-/view?usp=sharing KCC webpage on data centers: https://kyconservation.org/data KCC one-pager on data centers: https://drive.google.com/file/d/1KrXAucfipI5QRLDoqA9XqNYqOx85vphG/view?usp=sharing On Truth to Power each week, we gather people from around the community to discuss the state of the world, the nation, the state, and the city! It's a community conversation like you won't hear anywhere else! Truth to Power airs every Friday at 9pm, Saturday at 11am, and Sunday at 4pm on Louisville's grassroots, community radio station, Forward Radio 106.5fm WFMP and live streams at https://www.forwardradio.org

This week on Energy Transition Today, we unpack the rapid shift in the French battery storage market as it moves from a merchant niche to core energy infrastructure, driven by larger projects, longer durations and a coming overhaul of the capacity mechanism. We also cover outcomes from the North Sea Summit, including plans for multipurpose interconnectors and a 300GW regional offshore wind target, alongside UK transmission cost challenges, fresh onshore and BESS deal flow in Poland, Germany and Romania, and major portfolio financings shaping the European energy transition. Hosts: Maya Chavvakula, Mathilde Dorbessan, Leonard MüllerEdit: Leonard Müller Reach out to us at: podcasts@inspiratia.comFind all of our latest news and analysis by subscribing to inspiratia For tickets to our events email conferences@inspiratia.com or buy them directly on our website. Listen to all our episodes on Apple Podcasts, Spotify, and other providers. Music credit: NDA/Show You instrumental/Tribe of Noise©2025 inspiratia. All rights reserved.This content is protected by copyright. Please respect the author's rights and do not copy or reproduce it without permission.

Are you ready to explore the frontier of UAP science and technology? Join us February 7th and 8th, 2026 for the 2026 UAP Detection and Tracking Summit, a premier two-day virtual conference bringing together the world's leading researchers, technologists, policymakers, and citizen scientists — all focused on advancing how we detect, track, and understand Unidentified Aerospace-Undersea Phenomena. Discount Code: SUMMIT35 Link: https://ryansprague.pursuingx.com/ Hear from top voices including Congressman Eric Burlison of the U.S. House of Representatives, Stanford pathologist Dr. Garry Nolan, aerospace strategist James Fowler, UAP historian Richard Dolan, and Ryan Graves, former U.S. Navy pilot and founder of Americans for Safe Aerospace. Plus, dozens more experts from academia, industry, and research will tackle sessions on flight safety, international collaboration, data infrastructure, and public engagement. Don't miss this opportunity to be part of the conversation shaping the future of UAP science! #science #uap #uapresearch #uaptwitter #uaptiktok #uaps #summit #disclosure Learn more about your ad choices. Visit megaphone.fm/adchoices

Episode 191: Text Thread Dead Pilot Summit This special episode of Dead Pilots Society brings together the writers behind the last two pilots for a sort of Text Thread Dead Pilot Summit. The conversation features Aaron Brownstein and Simon Ganz, writers of Guy Text, alongside Mike Gagerman and Andrew Waller, writers of The Thread.Andrew brings all four writers together for a deeper, side-by-side look at their creative processes.What makes the conversation especially unique is the generosity on display. Rather than competing, the writers openly praise what they admired in each other's pilots, offering thoughtful insight into how similar ideas can emerge independently, without imitation. It's a rare, candid conversation about writing partnerships, creative overlap, and the realities of comedy writing, presented without ads or interruptions—just four writers talking honestly about the work.

Steve recaps what happened at the 2026 Key West Distillers Summit. TBD music by Kevin MacLeod (incompetech.com).   Important Links: Patreon: https://www.patreon.com/theabvnetwork Our Events Page: bourbonpalooza.com Check us out at: abvnetwork.com. The ABV Barrel Shop: abvbarrelshop.com   Join the revolution by adding #ABVNetworkCrew to your profile on social media.

The 10th annual Two-Brain Summit happens June 6-7, 2026, in Chicago, and this year's theme will change how you think about scaling your gym.Today, Chris Cooper reveals the event's headlining speaker—bestselling author Mike Michalowicz—and the “Power of 10” theme that will guide every session.The Power of 10 framework covers:How to take your 10 best clients and replicate them.The 10 weekly actions that guarantee business growth.The 10 core leadership skills every gym owner must acquire.Coop also explains that scaling isn't linear. The systems that get you to 10 clients won't get you to 100, and the business that serves 100 won't work for 1,000.At the summit, you'll work on the systems you need to grow at each stage of entrepreneurship so you can build the biz you want and earn your Perfect Day.The summit isn't some motivational conference where you sit in the dark and try to stay awake. It's is a workshop: Attendees have created hiring plans, booked sales calls and posted content as speakers directed them during live sessions. You're going to take action in Chicago.What does your gym need to reach the next level? Come work it out at the Two-Brain Summit, surrounded by expert speakers and 1,000 other gym owners.Get your ticket via the link below!LinksTwo-Brain Summit TicketsGym Owners UnitedBook a Call0:20 - Summit background3:04 - This year's headliner4:33 - Your best client x107:11 - The work you'll do9:19 - Your invitation to summit

Mike Wendt and Andy Ferg recap the Patriots' win that's sending them to the Super Bowl! Plus, the weather hitting New England, Andy getting Snow Blower Shamed, our Rushmore for Good Hang Presidents, Top 5 War Movies, and other nonsense. We're the food show your deserve.Special THANKS to The Gary Girolamo Group, Ben Franklin Print Co., Twisted Fate Brewing, Anthony's Roast Beef in Reading, Jamie's Roast Beef, Summit's Place in Middleton, Brother's in Peabody, Golf Lounge 18 & Fibber McGee's!Thanks to the very talented Mark DiChiara for the original F-Buddies theme music.

On tonight's show, I'm having an important conversation with Jason Smith, a Marine veteran who now serves as Director of Veterans Programming at Florida Springs Wellness and Recovery Center. As a former law enforcement officer, this conversation hits close to home for me. We'll talk about the Military, Veterans, and First Responders Suicide Prevention Summit coming to Enterprise, Alabama, on March 13th, and why caring for those who protect us has to go beyond words. This is about real people, real tools, and real support for those who serve and those who stand beside them. Listen & share.

The Dadley Boyz review last night's episode of NXT and discuss...NXT Championship Ladder Match Summit!Tag team title CHAOS!Nikkita Lyons is BACK!Zaria SNAPS!Ava bails out Tony D'Angelo?! ENJOY!Follow us on Twitter:@AdamWilbourn@MichaelHamflett@MSidgwick@WhatCultureWWEFor more awesome content, check out: whatculture.com/wwe Hosted on Acast. See acast.com/privacy for more information.

Joseph Lavorgna, Counselor to Secretary Bessent, joined us on the Guy Benson Show today to discuss the latest from the establishment of the so-called "Trump Accounts." These accounts are intended to serve as investment accounts and dozens of companies have signed to contribute to the accounts of their employees and their families, and you can listen to the full interview below! Learn more about your ad choices. Visit podcastchoices.com/adchoices

The 2026 OSRS Winter Summit was released a few days ago, and we are STOKED! We had a chance to live react to the summit on stream, so if you havent seen that, be sure to check it out on our Youtube channel!

The summit for women to design your life is here! The 2026 Design Live Thrive Summit is a free virtual event where transformational coaches will help you design your life with purpose, clarity, and confidence.In this special pre-summit episode, Debbie Shadid and Thais Glenn introduce you to four of the summit speakers and hear how their talks will help you take action in your own life. If you've been looking for a coaching event for women that goes beyond motivation and gives you real strategies, this is it!  You'll hear a variety of topics designed to help you design your life so you can truly thrive, including:The secrets of addiction to being everything for everyone and how to break free with Marie Vega-ByrneHow photographers can break through the 5-figure ceiling to reach 6 figures with professional photographer Rachel CapilGetting things done: Executive function strategies for busy brains and tired moms with Sol Garcia. Ph.D.Why everything starts and ends with the body: releasing chronic pain and tension so you can finally relax with Yoga Alliance Certified Teacher, Victoria HerczekThese women have faced their own struggles and turned those experiences into tools to help others design their lives with purpose. Their talks will inspire you and give you practical steps you can take right now. With over 25 coaches at the summit, this is just a preview of the incredible wisdom waiting for you. If you're ready to design your life with intention, purpose, and joy, this summit will show you the way. Save your seat now: designlivethrive.comConnect with Debbie:Website: https://www.debbieshadid.comInstagram: https://www.instagram.com/debbieshadid/ Listen to the podcast: Life Coach Business Building Schoolhttps://podcasts.apple.com/ca/podcast/life-coach-business-building-school-with-debbie-shadid/id1502118085Don't forget to subscribe for weekly episodes on coaching business strategy for women over 50, tech tools for coaches, and simple business growth strategies that really work:https://www.youtube.com/channel/UCz6RS8kQGMLJqJrK9uKdjtgTired of spinning in indecision about what to post, how to sell your coaching, or explain what you do? This is your moment!Join me for a live edition of Fast Track + VIP coaching experiences where you'll get real-time feedback on your niche, offers, and marketing, plus the clarity and support you've been looking for.Spots are limited and enrollment closes soon.Let's connect → DebbieShadid.com/schedule

In this episode of the I Do Wedding Marketing Podcast, we are so excited to welcome back wedding business consultant, strategy expert, and smart-marketing advocate Heidi Thompson, founder of Evolve Your Wedding Business, host of the Evolve Your Wedding Business podcast, creator of the Wedding Business Collective, and architect of the Wedding Business CEO Summit happening February 16 - 20, 2026.

On this week's Access Hour, we bring you highlights from the first hour of the 2026 Kentucky Conservation Committee's Legislative Summit that was held online on Sunday afternoon, January 25th. You can learn more about it and find links to all the great materials referenced at https://kyconservation.org/legislative-summit-2026 The Summit includes a review of conservation legislation and trainings on key conservation and environmental issues in Kentucky to provide you with all the necessary advocacy tools you need during the 2026 Kentucky General Assembly and beyond. These sessions included a broad look at the anticipated topics of the 2026 General Assembly, related federal legislative issues, basic training on ways for citizens to engage as a “citizen lobbyist”, plus tips on how to be more effective with your legislative advocacy in a virtual world or in person. On today's show, you'll get an overview of bills that are already filed in the General Assembly, or anticipated to be filed, along with KCC's analysis and recommendations for action, and a preview of the State Budget. Want the latest information on environmental issues impacting Kentucky? Want to be a more effective citizen advocate during the General Assembly? Want to know how the recent elections will impact state and federal policy on environmental issues? Tune in for the resources you will need to be an effective advocate for a wide range of environmental issues impacting Kentucky. After a brief welcome from KCC Director, Lane Boldman, KCC's Legislative Agent, Randy Strobo, provides highlights of House and Senate bills reviewed by KCC to date. And finally, Pam Thomas from the Kentucky Center for Economic Policy will provide a State Budget Overview. Resource: KCC Citizens Guide to the General Assembly 2026: https://drive.google.com/file/d/1R5bSKYXp6mEF1wM34kKha8pGdWCRJuqM/view?usp=sharing Resource: List of Lawmakers and Issues 2026: https://docs.google.com/spreadsheets/d/1JRMQ-qxz4hjXOvWeN_MjcGAIOX8fYqqW-JYTaCGaz04/edit?usp=sharing Resource: How a Bill Becomes a Law in Kentucky: https://drive.google.com/file/d/1a0ZJSKw3os9UQivaW9VpS-S-bXWZ60tB/view?usp=sharing Presentation Slides: Bill Highlights to Date: https://drive.google.com/file/d/1E806k-oxQ4h9aSP6lgha5KKq1LaXnhTN/view?usp=sharing Presentation Slides: Ky Policy Budget Preview: https://drive.google.com/file/d/1N2g04vAJkvTiv1DoKAn2Cw0yKNRUFx-s/view?usp=sharing KyPolicy Budget Preview: https://kypolicy.org/preview-of-the-2026-2028-kentucky-state-budget/ Governor's Budget Proposal: https://kypolicy.org/2026-governor-andy-beshear-budget-proposal/ The Access Hour airs on Forward Radio, 106.5fm, WFMP-LP Louisville, every Wednesday at 2pm and repeats Thursdays at 11am and Fridays at 1pm. Find us at https://forwardradio.org If you've got something you'd like to share on community radio through the Access Hour, whether it's a recording you made or a show you'd like to do on a particular topic, community, artistic creation, or program that is under-represented in Louisville's media landscape, just go to https://forwardradio.org, click on Participate and pitch us your idea. The Access Hour is your opportunity to take over the air waves to share your passion.

Welcome to the finale of our mini-series. We started frozen in the ice, we flowed with the river, we expanded into the field, and we climbed the mountain. Now, we stand at the top.Today isn't about doing; it is about seeing. The air up here is different—thinner, purer, and silent—and you have left the noise of the world far below.In this final session, we practice "Victory Breathing"—the sigh of relief after a long journey. We visualize the path we have traveled, looking down to see that the problems which felt like giants below now look like ants from up here. This is the gift of the summit: Perspective.In this episode, you will learn:Victory Breathing: How to stop fighting for your breath and simply receive it.The 360-Degree Visualization: Seeing your worries as "dust in the distance".The Anchor: How to carry the peace of the mountain back down to the real world.Summit Affirmations: Repeat these when you need to remember your strength:"I have arrived.""I see my life clearly.""I am above the noise.""I carry this peace back down with me.""I am proud of who I am becoming."Martin's 3 Caring Tips for a Happier Life: The true master is the one who can carry the peace of the mountain back down into the marketplace. Here is how to do it:Celebrate the Micro-Wins: We often wait for the big moment to celebrate, but you climbed this mountain one step at a time. Today, celebrate a tiny win—getting out of bed, drinking water, or showing kindness.The 10,000-Foot View: Next time you feel overwhelmed, close your eyes and imagine zooming out to 10,000 feet. Ask yourself: "Will this matter in five years?". Distance creates clarity.The Souvenir: You can't stay on the mountain, but you can bring a stone back with you. Find a physical object today—a smooth stone or small trinket—and keep it in your pocket as an anchor to remind you of this calm.Thank you for taking this journey from the ice to the summit. If this series helped you find clarity, please leave a review and let me know which part resonated with you the most.Smile often, be kind, and enjoy the view.

Suneera Madhani is back, and the lessons hit different this time. Suneera breaks down what it really took to scale Stax Payments to a $1.1B exit, why she chose to step away when the next milestone was “obvious,” and how she's approaching her next company, Worth, with clearer boundaries and a bigger vision for impact.We talk founder to CEO identity shifts, why “people, process, profit” scales every business, how women get stuck majoring in minor details, and the focus framework she teaches thousands of founders through CEO School. If you're building in a season where ambition is high but alignment matters more than ever, this episode is your reset.Connect with Suneera Madhani:Instagram: @suneeramadhaniWebsite: https://suneeramadhani.com/ 

Get ready for tons of inspiring lessons in this episode! It's a panel discussion with four million dollar balloon business owners, all who came on the podcast out of the goodness of their hearts & I'm so grateful. We talk about: What impacted their growth the most What positions they suggest hiring first Some big mistakes they've made along the way Owning / leasing their various spaces Loans, assets and investments Staying motivated Their biggest pieces of advice Thank you so much to our guest panelists: Erin, Blenda, Brian and Chris. I would also like to thank this month's sponsor, Joette of Balloon Coach. In fact, two of the panelists (and myself), will all be on staff at her Balloon Boss Summit this year. So if you like this conversation, just imagine experiencing it in person. Summit is really special for that reason, and it's intentionally kept small to help attendees create relationships. In the UGlu Hotline, hear a tip from one of the panelists on what she sends to clients in the mail. Unlock three free bonus episodes!  RESOURCES MENTIONED: Presenting sponsor: Balloon Coach Balloon Boss Mastermind & Summit  Other sponsors & resources: Havin' A Party Wholesale (save 5% on orders $200+ with code PODCAST) Courtney Lynette Creative Co. (mention the podcast for $100 off!)  UGlu by Pro Tapes (save 5% on orders $200+ at Havin' A Party with code PODCAST)  DM @thebrightballoon on Instagram to ask a question or leave advice for the UGlu Hotline! 2026 Bright Balloon Planner  More with Erin More with Blenda More with Brian More with Chris - - - - On the Bright Side Apple | Patreon The Bright Balloon on YouTube 

On this segment of Mundo in the Morning, it's Tirade Tuesday, where listeners share their frustrations and opinions on various topics. Mark from Lenexa vents about the lack of sign language translators at press conferences, wondering why it's not a standard practice. John from Kansas City expresses his frustration with the inconsistent use of braille on ATMs. April from Lee's Summit shares her tirade about the confusing zipper merge at a local intersection. Randy from Blue Springs talks about the inefficiencies in the postal service, with packages being sent to the wrong locations. Other callers share their thoughts on topics ranging from government projects to immigration policies.See omnystudio.com/listener for privacy information.

Mufti Menk is a globally respected Islamic scholar, motivational speaker, and author, widely known for his ability to connect classical Islamic teachings with the realities of modern life. With a worldwide following, his work focuses on faith, compassion, personal growth, and positive change. A big thanks to the 1 Billion Followers Summit in Dubai for giving us the opportunity to have this conversation. 0:00 Intro1:53 Staying Grounded in a Hyper-Digital World4:20 The Power of an Authentic Message5:47 Faith as Energy, Not Pressure7:19 Mercy Over Judgment in a Noisy World8:44 Discovering Your True Purpose10:19 From Medicine to Medina: A Personal Journey13:10 Making Faith Approachable, Not Intimidating14:39 Breaking Free from the Comparison Trap16:39 Beating Doubt and Impostor Syndrome18:59 Where Science and Revelation Converge22:47 A Simple Daily Practice for Inner Peace24:53 Legacy: What Will You Be Remembered For?26:50 Rethinking Mortality and the Afterlife

Welcome to Part 4 of our 5-part mini-series, "The Ascent."It is easy to find peace when the ground is flat and the sun is shining, but life isn't always a meadow—sometimes it is a mountain. In today's session, we leave the comfort of the Open Field to face the incline, not to conquer the mountain, but to discover the strength that has been hiding in your heart all along.This guided meditation is designed to help you build resilience and navigate the "boulders" in your path—whether they are worries, fears, or difficult people. We will practice "Altitude Breathing" to oxygenate your courage and visualize a climb that shifts your perspective from the problem to the progress you have made.In this episode, we will cover:Altitude Breathing: A breathwork technique to calm panic when the path gets steep.The Boulder Visualization: Learning to navigate around obstacles rather than fighting them.The Plateau: Recognizing how far you have come.Peak Affirmations: Use these affirmations when you feel the weight of the climb:"I am stronger than the obstacles in my way." "I take life one step at a time." "I trust my ability to figure things out." "I do not fear the climb; I embrace the growth." "I am rising." Martin's 3 Caring Tips for a Happier Life: Inspired by the climber's mindset, here is how to bring this resilience into your daily routine:Lighten Your Pack: A climber never carries what they don't need. Identify one "mental weight" you are carrying—a grudge, a worry about next week, or guilt from yesterday. Visualize taking it out of your backpack and leaving it on the side of the trail.The "Look Back" Rule: We are often so focused on the summit that we forget to appreciate the altitude we've already gained. If you feel stuck, stop and write down three things you have achieved in the last year.Choose Your Route: If you hit a roadblock, don't bang your head against it. Be like water and go around. Ask yourself, "What is the other way to solve this?" There is always another path up the mountain.Ready to go deeper? Access The Anxiety Circuit Breaker early here:https://calminganxietypodcast.systeme.io/letter(Use code RELAX for a launch discount)Coming Up Next: In the final episode (Part 5), we will reach The Summit to see the world from a brand new perspective.Connect with the Show: If this climb helped you find your strength, please subscribe so you don't miss the finale. Smile often, think positive thoughts, and in everything... be kind.

European leaders meet for an emergency summit as allies weigh a possible deal with the U.S. on Greenland after President Trump walked back threats of military action and tariffs.Trump's clashes with Canada and Europe raise fresh doubts about the stability of U.S. alliances, as Canadian Prime Minister Mark Carney warns coercion and tariff threats are changing the global order.And Supreme Court justices had tough question for Trump's lawyers as they hear arguments over whether a president can fire a Federal Reserve governor, a case that could redefine the independence of the central bank.Want more analysis of the most important news of the day, plus a little fun? Subscribe to the Up First newsletter.Today's episode of Up First was edited by Miguel Macias, Andrew Sussman, Rafael Nam, Mohamad ElBardicy, and Alice Woelfle.It was produced by Ziad Buchh, Ben Abrams and Christopher Thomas.We get engineering support from Neisha Heinis. Our technical director is Carleigh Strange.Our deputy Executive Producer is Kelley Dickens.(0:00) Introduction(01:59) Greenland Emergency Summit(05:27) New World Order(09:10) SCOTUS Justices Hear Fed CaseLearn more about sponsor message choices: podcastchoices.com/adchoicesNPR Privacy Policy