Podcasts about tbd

Steve and Darren taste Caleb's Crossing Bourbon, a new offering from father/son duo Gerald and David Jennings. David is best known as Rare Breed 101 on social media. Learn more about this brand here: https://calebscrossingwhiskeyco.com   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.

Steve, McNew, Jeff, Matt and Goeken talk about a release from Penelope that mirrors what Buffalo Trace does with its Antique Collection.   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.

Steve, McNew, Darren, Matt and Goeken talk about who from the world of bourbon would be a good cartoon character.   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.

Steve, Miss Beka Sue, Katie, Kathy and Ryan “The Billionaire” Thompson talk Pursuit Spirits new location on Whiskey Row.   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.

Steve, McNew, Darren, Matt and Goeken talk about who from the world of bourbon is worth following on social media.   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.

Steve, McNew, Darren, Matt & Goeken discuss why they didn't have a Labor Day show.   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.

Steve, McNew, Jeff & Kathy discuss the Kirkland bourbon brand from Costco.   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.

In this episode, I have the pleasure of speaking with Dr. Nathalie Martinek, a former developmental biologist turned expert on narcissism and toxic workplace dynamics. We delve into the complexities of interpersonal narcissism, exploring how our behaviors often stem from a desire to preserve our ideal self-image. Nathalie shares her journey from the world of science to understanding human behavior, highlighting the parallels between toxic workplace cultures and the biological concepts she once studied.We discuss the often-overlooked role of envy in our interactions, particularly in professional settings. Nathalie emphasizes that envy is a natural human emotion, but it can lead to destructive behaviors when we allow it to dictate our perceptions of others. We explore how feelings of inferiority can trigger envy, prompting us to undermine those we perceive as superior. This conversation invites listeners to reflect on their own experiences with envy and shame, encouraging a deeper understanding of how these emotions influence our relationships.Throughout our discussion, we aim to answer critical questions: How do cultural differences shape our perceptions of self and others? What role does shame play in our interactions? And how can we cultivate a healthier relationship with our emotions to foster more authentic connections? Join us as we unpack these themes and seek to understand the underlying drivers of our behavior in both personal and professional contexts.Nathalie Martinek, PhD, helps professionals build relational leadership capacity and navigate the subtle power dynamics that shape trust, connection, and harm at work. She coaches individuals to shift dysfunctional relational patterns, facilitates group spaces for reflection, and consults on how to make sense of workplace dysfunction. A former developmental biologist, she studied how environments shape behaviour and enable dysfunction.links:Substack: www.hackingnarcissism.comwebsite: www.drnathaliemartinek.combooks: www.drnathaliemartinek.com/booksLinkedin: https://www.linkedin.com/in/nathalie-martinek/ 00:00 Start[00:02:12] Transition from biology to narcissism.[00:07:18] Unspoken cultural influences on behavior.[00:10:04] Tall poppy syndrome explained.[00:12:40] Superiority and inferiority dynamics.[00:16:13] Interpersonal narcissism and behavior.[00:21:07] Shame as a moral emotion.[00:25:36] Moral injury and external expectations.[00:28:20] Cultural values and self-awareness.[00:32:16] Toxic envy and emotional maturity.[00:35:29] Emotion as neutral states.[00:40:16] Purpose of envy and innovation.[00:43:12] The struggle with self-identity.[00:49:43] Covert envy and recognition.[00:52:23] Envy in professional relationships.[00:55:42] Covert envy and validation.[00:59:01] Knowledge theft and plagiarism.[01:03:11] Idea appropriation and originality.[01:09:44] Authority and envy in academia.[01:12:03] Parasocial relationships and dynamics.[01:17:00] Fear of insignificance on social media.[01:18:36] Online presence self-reflection.[01:25:13] Relational interpersonal narcissism.[01:28:17] Relational intelligence and group dynamics.[01:31:54] Human nature and group dynamics.ROGD REPAIR Course + Community gives concerned parents instant access to over 120 lessons providing the psychological insights and communication tools you need to get through to your kid. Now featuring 24/7 personalized AI support implementing the tools with RepairBot! Use code SOMETHERAPIST2025 to take 50% off your first month.PODCOURSES: use code SOMETHERAPIST at LisaMustard.com/PodCoursesTALK TO ME: book a meeting.PRODUCTION: Looking for your own podcast producer? Visit PodsByNick.com and mention my podcast for 20% off your initial services.SUPPORT THE SHOW: subscribe, like, comment, & share or donate.ORGANIFI: Take 20% off Organifi with code SOMETHERAPIST.Watch NO WAY BACK: The Reality of Gender-Affirming Care. Use code SOMETHERAPIST to take 20% off your order.SHOW NOTES & transcript with help from SwellAI.MUSIC: Thanks to Joey Pecoraro for our song, “Half Awake,” used with gratitude & permission. ALL OTHER LINKS HERE. To support this show, please leave a rating & review on Apple, Spotify, or wherever you get your podcasts. Subscribe, like, comment & share via my YouTube channel. Or recommend this to a friend!Learn more about Do No Harm.Take $200 off your EightSleep Pod Pro Cover with code SOMETHERAPIST at EightSleep.com.Take 20% off all superfood beverages with code SOMETHERAPIST at Organifi.Check out my shop for book recommendations + wellness products.Show notes & transcript provided with the help of SwellAI.Special thanks to Joey Pecoraro for our theme song, “Half Awake,” used with gratitude and permission.Watch NO WAY BACK: The Reality of Gender-Affirming Care (our medical ethics documentary, formerly known as Affirmation Generation). Stream the film or purchase a DVD. Use code SOMETHERAPIST to take 20% off your order. Follow us on X @2022affirmation or Instagram at @affirmationgeneration.Have a question for me? Looking to go deeper and discuss these ideas with other listeners? Join my Locals community! Members get to ask questions I will respond to in exclusive, members-only livestreams, post questions for upcoming guests to answer, plus other perks TBD. ★ ...

Steve, McNew, Jeff & Kathy discuss the 2025 release of Four Roses Limited Edition.   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.

Steve, Miss Beka Sue, Katie Ryan “The Billionaire” Thompson & Kathy discuss what is shocking to us right now in bourbon still in America that are so iconic they need to be on a calendar.   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.

Steve, McNew, Jeff, Matt & Goeken discuss the 2025 release of Maker's Mark Cellar Aged.   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.

Steve, McNew, Goeken, Darren and Matt discuss what bourbon jobs they could do well.   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.

Steve, McNew, Jeff and Kathy discuss the top five U.S. distilleries to visit according to Whiskey Wash. TBD music is 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.

GOTTA PICCEM: The Poisonous Mushroom Card Game

Welcome back to the 246th episode of The Cup which is our a weekly (give or take, TBD, these are unprecedented times) performing arts talk show presented by Cup of Hemlock Theatre. With the theatres on a come back we offer a mix of both reviews of live shows we've seen and continued reviews of prophet productions! For our 246th episode we bring you a Duet Review of episode 8 of The Roll Players, a real DnD campaign played by ‘the best improvisers in the world', dungeon mastered by Kris Siddiqi, played by Andy Hull, Sarah Hillier, & Sharjil Rasool, NPC'd by Aurora Browne. Lisa Merchant, & Paul Bates. Join Jillian Robinson and Raechel Fisher, as they roll for initiative, break down DnD basics, and relay a fantastically funny evening out.The campaign continues! The Roll Players plays at Comedy Bar Danforth (2800 Danforth Ave.) once a month, typically the last Tuesday of each month. Tickets can be purchasedfrom the following link: https://comedybar.ca/shows/the-roll-playersBecause this particular show is a one-off, improvised installment of the overall DnD campaign, we unpack all of the details of the show in this episode. Follow our panelists:Jillian Robinson – Instagram: @jillian.robinson96 Raechel Fisher – Instagram: @raefisher411 // Twitch: COMING SOON, stay tuned via Instagram // Feature Movie : A Knight's War - https://www.primevideo.com/detail/A-Knights-War/0G4QDTZWHOW5SV3DJSTXRB0EI3Follow Cup of Hemlock Theatre on Instagram/Facebook/Twitter: @cohtheatreIf you'd like us to review your upcoming show in Toronto, please send press invites/inquiries to coh.theatre.MM@gmail.com

Welcome back to the 245th episode of The Cup which is our a weekly (give or take, TBD, these are unprecedented times) performing arts talk show presented by Cup of Hemlock Theatre. With the theatres on a come back we offer a mix of both reviews of live shows we've seen and continued reviews of prophet productions! For our 245th episode we have a new artist interview. This particular conversation is between our Co-Artistic Producer Ryan and Artistic Director Michael Caldwell and Managing Director Morgan Norwich, the dynamic duo currently stewarding the SummerWorks Performance Festival, which just concluded its 35th anniversary season. Together these three discuss serendipitous programming, the anatomy of a yearly theme, and being at service to an artistic community.Follow SummerWorks – All Socials: @summerworksfun & #summerworksfun // Website: https://summerworks.ca/ Follow Michael – All Socials: @mahkemahke Follow Morgan('s Boylesque troupe) – Instagram: @boylesqueto // Website: https://www.boylesqueto.com/ Follow Cup of Hemlock Theatre on Instagram/Facebook/Twitter: @cohtheatreIf you'd like us to review your upcoming show in Toronto, please send press invites/inquiries to coh.theatre.MM@gmail.com

Welcome back to the 244th episode of The Cup which is our a weekly (give or take, TBD, these are unprecedented times) performing arts talk show presented by Cup of Hemlock Theatre. With the theatres on a come back we offer a mix of both reviews of live shows we've seen and continued reviews of prophet productions! For our 244th episode we bring you a Duet Review of Tuesdays with Morrie, written by Jeffrey Hatcher & Mitch Albom, directed by Chloë Rose Flowers, presented by King Theatre Company. Join Jillian Robinson and Emily Cornelius, as they discuss the importance of supporting new theatre companies and choosing your own life adventure, all while leading with love and a good cry.Tuesdays with Morrie is playing at Pine Farms Orchard, King City from August 13th-28th, 2025. Tickets can be purchased from the following link: https://www.kingtheatre.ca/tuesdayswithmorrieThis review contains many SPOILERS for Tuesdays with Morrie. It will begin with a general non-spoiler review until the 00:10:27 mark, followed by a more in-depth/anything goes/spoiler-rich discussion. If you intend to see the production, we recommend you stop watching after that point, or at least proceed at your own risk.Follow our panelists:Jillian Robinson – Instagram: @jillianrobinson.96Emily Cornelius – Instagram: @emilycorn94 Follow Cup of Hemlock Theatre on Instagram/Facebook/Twitter: @cohtheatreIf you'd like us to review your upcoming show in Toronto, please send press invites/inquiriesto coh.theatre.MM@gmail.com

Steve, Miss Beka Sue, Ryan "the Billionaire" Thompson, Katie & Kathy discuss what is shocking to us right now in bourbon. TBD music is 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.

Steve, McNew, Jeff and Kathy talk National Bourbon Heritage Month and what we are doing. TBD music is 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.

Steve, Darren, Matt, Linda and Wayne discuss the newest Jack Daniel's Heritage Barrel offering. TBD music is 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.

Steve, McNew, Jeff and Kathy talk about what it looks like when an allocation goes away. TBD music is 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.

Steve, Justine & Tim talk about their level of interest in bourbon while they are on vacation. TBD music is 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.

Shinobi: Art of Vengeance is our top game this week, plus one of us gets an up-close look at Bubsy 4D, the Hollow Knight Silksong release date fallout, Forza Horizon might be headed to Japan, Atari now owns Child of Eden and Grow Home, some highly important games are coming to the Mortal Kombat Legacy Kollection, and more. CHAPTERS (00:00:00) NOTE: Some timecodes may be inaccurate for versions other than the ad-free Patreon version due to dynamic ad insertions. Please use caution if skipping around to avoid spoilers. Thanks for listening. (00:00:10) Intro (00:01:29) The universal language of 'Thumbs Up!" (00:07:51) Shinobi: Art of Vengeance  |  [Nintendo Switch, PlayStation 4, PlayStation 5, PC (Microsoft Windows), Xbox One, Xbox Series X|S]  |  Aug 29, 2025 (00:31:34) First Break (00:31:38) Sword of the Sea  |  [PC (Microsoft Windows), PlayStation 5]  |  Aug 19, 2025 (00:35:17) Bubsy 4D  |  [PC (Microsoft Windows), Nintendo Switch, Nintendo Switch 2, Xbox One, Xbox Series X|S, PlayStation 4, PlayStation 5]  |  TBD (00:56:14) She Sees Red  |  [Mac, PC (Microsoft Windows)]  |  Jul 11, 2019 (01:00:34) Be careful with your FMV nudity on YouTube (01:04:48) Second Break (01:04:52) Silksong finally gets its release date (01:12:59) Skate also gets its [Early Access] date! (01:19:49) Forza Horizon 6 might take place and be announced in Japan? (01:26:53) Atari wants to revive some old Ubisoft titles (01:32:56) Mortal Kombat: Legacy Kollection adds more games (01:46:11) Emails (01:54:26) Wrapping up and thanks (01:59:10) Mysterious Benefactor Shoutouts (02:00:43) Nextlander Content Updates (02:01:51) See Ya

Steve, Miss Beka Sue, Katie, Ryan “The Billionaire” Thompson and Kathy discuss the fact King Yella about died during an interview sipping on some Crown Royal. TBD music is 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.

Steve, Justine & Tim talk about WhistlePig's 30-year, underproofed, single malt offering that retails for $5,000. TBD music is 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.

Steve, McNew, Luke, Justine and Kathy talk about Yellowstone's new bottled cocktails. TBD music is 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

News:  Updates on the Celebration of Life Saturday, September 13th First Congregational UCC Conneaut 211 Buffalo St, Conneaut OH 44030 2pm - 5pm Important: No alcohol allowed in the church. Dress code is whatever you're comfortable in. Saturday & Sunday - October 18th & 19th Las Vegas - Still working on the details. A special announcement will be made in the podcast feed. Saturday the 18th - Will be a gathering in a private room / ballroom, most likely on the Strip Time will be either 5-8 or 6-9 Allow for people to travel in on Saturday morning Dress code is whatever you're comfortable in. Sunday the 19th - Informal meet up at a bar somewhere on the Strip.   Time and location TBD - earlier in the day Upload Photos for Mark Memories Listeners are gathering photos of Mark to make memorial videos for the Celebration of Life events. https://juliemoore.smugmug.com/upload/rSkFKx/MarkVegasUploads

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

Steve, Justine & Tim talk about the big three stories people are saying is the problems with bourbon at the moment and point out these three have nothing to do with the problems bourbon is experiencing. TBD music is 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.

Jessi Harris spent three decades living as a “trans man” before ultimately detransitioning. Her story is a powerful exploration of survival, discrimination, and the complex landscape of gender identity in late 20th-century America.What happens when the path you choose to escape discrimination becomes its own form of constraint? How do you make amends after years of unintentionally hurting those closest to you? Jessi's narrative takes us through her experiences as a lesbian in the 1970s and 80s, when being gay meant facing persistent harassment, job discrimination, and even the threat of losing custody of her child.Driven by a desire for safety and acceptance, Jessi “transitioned” in 1987, hoping to escape the intense discrimination she faced as a lesbian. Her journey reveals a stark reality: transitioning was never about truly wanting to be a man, but about survival. She navigated a world that was hostile to lesbian mothers, facing sexual assault, job loss, and repeated attempts to separate her from her daughter.For 30 years, Jessi lived as a “trans man,” experiencing significant medical consequences including heart attacks linked to testosterone use and vaginal atrophy that ultimately required a hysterectomy. Throughout this time, she never truly believed she was a man – she was simply trying to protect herself and her family.The most profound part of her story emerges in her detransition and the challenging process of making amends, particularly with her daughter. After years of separation, an honest apology became the bridge to rebuilding their relationship. Jessi's reflections offer a nuanced perspective on transition, highlighting the role of discrimination, survival instincts, and the importance of genuine accountability.Key questions we explore:How did systemic discrimination push lesbians towards transition?What are the long-term medical consequences of hormone therapy?How can families heal after years of complex gender-related trauma?What does true accountability look like in the aftermath of major life choices?Jessi's memoir is forthcoming, promising an even deeper dive into her extraordinary journey of survival, self-discovery, and reconciliation.Bringing a personal perspective to the conversation, Jessi Harris is a 69-year-old lesbian woman from the Pacific Northwest, who lived in transition for three decades before detransitioning in 2017 and retiring from her career in the medical field in 2021. Drawing on a complex life experience, she is now passionately committed to sharing her journey, offering perspective and support for women and girls contemplating or navigating the complexities of gender transition and detransition. Jessi is available for correspondence via email for those interested in connecting further about her story: no1nozz@gmail.com ROGD REPAIR Course + Community gives concerned parents instant access to over 120 lessons providing the psychological insights and communication tools you need to get through to your kid. Now featuring 24/7 AI assistant with the addition of RepairBot! Use code SOMETHERAPIST2025 to take 50% off your first month.PODCOURSES: use code SOMETHERAPIST at LisaMustard.com/PodCoursesTALK TO ME: book a meeting.PRODUCTION: Looking for your own podcast producer? Visit PodsByNick.com and mention my podcast for 20% off your initial services.SUPPORT THE SHOW: subscribe, like, comment, & share or donate.ORGANIFI: Take 20% off Organifi with code SOMETHERAPIST.Watch NO WAY BACK: The Reality of Gender-Affirming Care. Use code SOMETHERAPIST to take 20% off your order.SHOW NOTES & transcript with help from SwellAI.MUSIC: Thanks to Joey Pecoraro for our song, “Half Awake,” used with gratitude & permission. ALL OTHER LINKS HERE. To support this show, please leave a rating & review on Apple, Spotify, or wherever you get your podcasts. Subscribe, like, comment & share via my YouTube channel. Or recommend this to a friend!Learn more about Do No Harm.Take $200 off your EightSleep Pod Pro Cover with code SOMETHERAPIST at EightSleep.com.Take 20% off all superfood beverages with code SOMETHERAPIST at Organifi.Check out my shop for book recommendations + wellness products.Show notes & transcript provided with the help of SwellAI.Special thanks to Joey Pecoraro for our theme song, “Half Awake,” used with gratitude and permission.Watch NO WAY BACK: The Reality of Gender-Affirming Care (our medical ethics documentary, formerly known as Affirmation Generation). Stream the film or purchase a DVD. Use code SOMETHERAPIST to take 20% off your order. Follow us on X @2022affirmation or Instagram at @affirmationgeneration.Have a question for me? Looking to go deeper and discuss these ideas with other listeners? Join my Locals community! Members get to ask questions I will respond to in exclusive, members-only livestreams, post questions for upcoming guests to answer, plus other perks TBD. ★ Support this podcast on Patreon ★

Steve, McNew, Luke, Justine and Kathy talk about the positive feedback we've gotten from the return of Justine. TBD music is 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.

Steve, Darren, Jim and Jeff wonder why Buffalo Trace puts so much effort into promoting something that is going to sell out instantly. TBD music is 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.

Steve talks about the Bourbon and Wine Festival put on by the South Oldham Rotary on October 3, 2025 at Yew Dell Botanical Gardens in Crestwood, Kentucky. Here are all of the links you need: General Information: bourbonandwine2025.com General Admission Tickets: https://tinyurl.com/mpeucx37 VIP Tickets: https://tinyurl.com/3aa9xrx8  Couples VIP Tickets: https://tinyurl.com/mrhbw87s Pappy Van Winkle Raffle: https://tinyurl.com/27n7vas3  South Oldham Rotary: https://www.southoldhamrotary.org Yew Dell Botanical Gardens: https://yewdellgardens.org/ Quick Bourbon Notes Article: https://tinyurl.com/39b2nfth TBD music is 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.

Marty shares information about the new - but not existent - Vivo Vision; what they've told us and what we still don't knowToday's ProNote: Vivo VisionVivo Vision Mixed-Reality Headset Steps Up to Apple, but Still a Tough Sellhttps://www.cnet.com/tech/computing/vivo-vision-mixed-reality-headset-steps-up-to-apple-but-still-a-tough-sellVivo's Vision Pro clone costs $1,400 and weighs 398ghttps://9to5mac.com/2025/08/21/vivos-vision-pro-clone-costs-1400-and-weighs-398g/What it isName: Vivo Vision a.k.a. Vision Discovery Edition; some coverage uses “Explorer Edition”.Status: In-store demos only across ~a dozen locations in China; no confirmed preorders/ship date.Hardware fast factsDisplays: Dual micro-OLED, 3,840×3,552 per eye; “8K binocular” marketing; 94% DCI-P3, factory ΔE less than 2 color.Weight: ~398 g not including external battery.Passthrough: Full-color, quoted ~13 ms latency.Chip/OS: Snapdragon XR2+ Gen 2 running OriginOS Vision — Android-based.I/O & comfort: Gaze + pinch with hand tracking; four light-seal sizes, eight foam pads; external tethered battery.Price & availabilityTarget price: Vivo execs suggest ≈ ¥10,000 ~$1,400; significantly under Vision Pro's $3,499. But pricing is not final and availability is TBD.Compare: Vivo Vision vs. Apple Vision ProWeight: ~398 g vs. AVP's ~600–650 g—comfort could be a win for Vivo.Compute: XR2+ Gen 2 Android vs. Apple M-series visionOS — Apple likely leads raw performance and ecosystem today.Display claims: Vivo's per-eye resolution is competitive; refresh rate/brightness not clearly stated.Ecosystem: AVP has a year-plus head start and tighter integrations; Vivo's app store/content story is unclear.What's missingShip timeline: No preorder date, no shipping window.Battery life: No hours-of-use claims for the external pack.Display specs: Refresh rate and brightness nits not published in official materials.FoV reality: Marketing mentions “panoramic/180°,” but no standardized FoV spec H/diag yet.Controllers/content: Hand tracking is featured; controller support and content partners aren't spelled out.Global plans: No word on international release or certifications.Reality check: Demo-only today; some reports prematurely called it a “launch.” Useful to underscore for listeners.Email: ThePodTalkNetwork@gmail.comWebsite: ThePodtalk.Net

Wells Jones is a great example of moving from the ordinary to the extraordinary. Starting from the age of 11 with the loss of his father and having to step up to challenges as a young boy. Wells has Skydived over Antartica, traveled the middle east on foot, busses and camels and thrusted into the entertainment industry where he as acted, produced and directed. Hope you enjoy this episode and dont forget as Wells would say "Live in the moment and enjoy it" Wells Adventure BioMiles Short Bio.Miles HeadshotMiles to Go blogMiles' LinkedIn hubWells Gcalendar To book initial pre-production chatFull production date/time TBD with PodcasterALITS Image and Video  Book Cover Hi ResALITS Kindle Book versionALITS Audible version of the book  Amazon ALITS Review PULLS . . .Brings the Middle East Past and Present Vividly AliveGripping and Emotionally Charged – A Must-Read NovelA Mesmerizing Journey through History and FriendshipA Riveting Historical AdventureTimeless and TimelyWalking Through History: A Mesmerizing ExpeditionImmersive Blend of History, Fiction, and CultureInformative and ThrillingGripping and Emotional Page-TurnerSupport for the Segment Podcast are brought to you by:THE SEGMENT / DISCOUNT CODES / SUPPORTERSYT Industrieshttps://us.yt-industries.com/Etnies MTB Shoes: Promocode TheSegment30https://etnies.com/collections/bike-mtb Versus Tires: www.versustires.comTASCO MTB Apparel 15% offhttps://tasco-mtb-2.kckb.st/3bb12b05Promo Code: SEGMENT24 Spy Optic: https://www.spyoptic.com/Promo code SEGMENT20  20% off your purchaseKapu CoffeePurchase "The Sender" here: https://kapucoffee.com/pages/segment25% of the proceeds help the charity "Making Spirits Bright" which helps get kids outside and on bikes.https://msbfoundation.org/Kali Protectiveshttps://kaliprotectives.com/collections/full-face/products/dh-invader?variant=41188142481502Promo Code Segment25Mother Earth Brew Company: https://www.motherearthbrewco.com/PelliBikeCare: https://www.pellibikecare.com/Strong Coffee: 15% off https://strongcoffeecompany.com/?ref=Segment30Or use promo code SEGMENT15 at checkout. To become a Podcaster for Free try this link:   https://streamyard.com/pal/c/4674191405613056PHAT Lids: https://www.phatlids.com/Use promo code SEGMENT to get 10% off at checkout. SALTSTICK https://aletenutrition.com/pages/saltstick Use promo code SEGMENT20 to get 20% off

This week: New video games! Sword of the Sea, Is This Seat Taken?, and yes, the annual Madden check-in. In the news, PS5 price increases in the US, Halo on a PlayStation (sort of), a Gamescom wrap-up including Road Kings, WH40K: Dawn of War IV, and uh, Bubsy 4D, and lastly... maybe Hollow Knight Silksong is getting a release date. Or maybe it's just out now? CHAPTERS (00:00:00) NOTE: Some timecodes may be inaccurate for versions other than the ad-free Patreon version due to dynamic ad insertions. Please use caution if skipping around to avoid spoilers. Thanks for listening. (00:00:10) Intro (00:03:03) I need to be more Coonce-like in my approach to stress (00:05:18) 2 weeks? 2 weeks... Construction updates (00:08:09) Mafia: The Old Country  |  [PlayStation 5, PC (Microsoft Windows), Xbox Series X|S]  |  Aug 08, 2025 (00:15:46) Sword of the Sea  |  [PC (Microsoft Windows), PlayStation 5]  |  Aug 19, 2025 (00:28:19) First Break (00:28:24) Madden NFL 26  |  [Nintendo Switch 2, PlayStation 5, Xbox Series X|S, PC (Microsoft Windows)]  |  Aug 14, 2025 (00:38:45) Is This Seat Taken?  |  [PC (Microsoft Windows), Android, iOS, Nintendo Switch]  |  Aug 2025 (00:44:34) The other games in our lives (00:49:13) Second Break (00:49:18) Sometimes spam gets tricky folks... (00:51:01) Gamescom 2025 (00:55:43) Star Trek Voyager: Across the Unknown (00:57:42) Bubsy 4D  |  [PC (Microsoft Windows), Nintendo Switch, Nintendo Switch 2, Xbox One, Xbox Series X|S, PlayStation 4, PlayStation 5]  |  TBD (00:59:42) Road Kings  |  [PC (Microsoft Windows), PlayStation 5, Xbox Series X|S]  |  2026 (01:02:04) Routine  |  [PC (Microsoft Windows), Xbox One, Xbox Series X|S]  |  Q4 2025 (01:03:51) Cronos: The New Dawn  |  [Mac, PC (Microsoft Windows), PlayStation 5, Xbox Series X|S, Nintendo Switch 2]  |  Sep 05, 2025 (01:04:53) Warhammer 40,000: Dawn of War IV  |  [PC (Microsoft Windows)]  |  TBD (01:10:18) John Carpenter's Toxic Commando  |  [PC (Microsoft Windows), PlayStation 5, Xbox Series X|S]  |  2026 (01:10:49) Hollow Knight: Silksong  |  [Nintendo Switch, Nintendo Switch 2, PC (Microsoft Windows), PlayStation 5, Mac, Xbox Series X|S, PlayStation 4, Xbox One, Linux]  |  2025 (01:12:16) LEGO Batman: Legacy of the Dark Knight  |  [PlayStation 5, Xbox Series X|S, Nintendo Switch 2, PC (Microsoft Windows)]  |  2026 (01:12:28) La Divina Commedia (01:12:45) Silent Hill f  |  [PC (Microsoft Windows), PlayStation 5, Xbox Series X|S]  |  Sep 25, 2025 (01:12:56) Vampire: The Masquerade - Bloodlines 2  |  [PC (Microsoft Windows), PlayStation 5, Xbox Series X|S]  |  Oct 21, 2025 (01:13:30) Resident Evil: Requiem  |  [PC (Microsoft Windows), PlayStation 5, Xbox Series X|S]  |  Feb 27, 2026 (01:14:03) Death by Scrolling (01:14:26) Cult of the Lamb: Woolhaven  |  [PC (Microsoft Windows), PlayStation 4, PlayStation 5, Nintendo Switch, Xbox Series X|S]  |  2026 (01:14:56) Fallout Season 2 (01:15:38) Denshattack!  |  [PC (Microsoft Windows), Xbox Series X|S, PlayStation 5]  |  Q2 2026 (01:18:27) Silksong has/had a big announcement! (01:22:34) Rod Fegusson joins the BioShock 4 team (01:27:14) Halo and Helldivers join forces (01:29:56) PlayStation consoles in the U.S. are getting a price increase (01:33:32) Emails (01:45:41) Wrapping up and thanks (01:46:03) A late bit of Gamescom "news" (01:48:18) Summer of Star Trek is ending soon! (01:51:00) Mysterious Benefactor Shoutouts (01:52:48) See ya!

Steve, Darren, Jim and Jeff talk about High West's new bottled-in-bond product. TBD music is 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.

Steve, Justine & Tim wonder if neck pours caused the problems we are experiencing in bourbon. TBD music is 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.

Steve, McNew, Jeff and Kathy talk about what a “best bourbon in the world” award should work like. TBD music is 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.

Steve, McNew, Luke, Justine and Kathy talk about the website Tasting Table's attempt to shed some light about what's happening in the bourbon industry at the moment. TBD music is 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.

While I am on vacation this summer, I thought I'd take the opportunity to expose my listeners to some of the other podcasts I've been on as a guest. Please enjoy this episode of The Therapy Show with Lisa Mustard, which she has graciously agreed to let me borrow. The episode is called, Practical Strategies for Supporting Parents in Gender Distress Cases with Stephanie Winn, LMFT and it was originally released on Lisa's show on December 4, 2024. If you're a therapist, you can earn continuing education contact hours with Lisa's NBCC-approved pod courses. Right now Lisa is offering my listeners an incredible deal - get all 27 podcourses for only $44. That could meet almost all of your continuing education needs for the year! Visit lisamustard.com/podcourses and use code SOMETHERAPIST to take $5 off of the $49 pod course bundle. ROGD REPAIR Course + Community gives concerned parents instant access to over 120 lessons providing the psychological insights and communication tools you need to get through to your kid. Use code SOMETHERAPIST2025 to take 50% off your first month.PODCOURSES: use code SOMETHERAPIST at LisaMustard.com/PodCoursesTALK TO ME: book a meeting.PRODUCTION: Looking for your own podcast producer? Visit PodsByNick.com and mention my podcast for 20% off your initial services.SUPPORT THE SHOW: subscribe, like, comment, & share or donate.ORGANIFI: Take 20% off Organifi with code SOMETHERAPIST.Watch NO WAY BACK: The Reality of Gender-Affirming Care. Use code SOMETHERAPIST to take 20% off your order.SHOW NOTES & transcript with help from SwellAI.MUSIC: Thanks to Joey Pecoraro for our song, “Half Awake,” used with gratitude & permission. ALL OTHER LINKS HERE. To support this show, please leave a rating & review on Apple, Spotify, or wherever you get your podcasts. Subscribe, like, comment & share via my YouTube channel. Or recommend this to a friend!Learn more about Do No Harm.Take $200 off your EightSleep Pod Pro Cover with code SOMETHERAPIST at EightSleep.com.Take 20% off all superfood beverages with code SOMETHERAPIST at Organifi.Check out my shop for book recommendations + wellness products.Show notes & transcript provided with the help of SwellAI.Special thanks to Joey Pecoraro for our theme song, “Half Awake,” used with gratitude and permission.Watch NO WAY BACK: The Reality of Gender-Affirming Care (our medical ethics documentary, formerly known as Affirmation Generation). Stream the film or purchase a DVD. Use code SOMETHERAPIST to take 20% off your order. Follow us on X @2022affirmation or Instagram at @affirmationgeneration.Have a question for me? Looking to go deeper and discuss these ideas with other listeners? Join my Locals community! Members get to ask questions I will respond to in exclusive, members-only livestreams, post questions for upcoming guests to answer, plus other perks TBD. ★ Support this podcast on Patreon ★

Steve and Darren talk about and taste the new blackberry whiskey from Jack Daniel's. If you would like to get tickets, you can do so here: https://www.abvbarrelshop.com/classes-events. TBD music is 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.

Steve, Darren, Jim and Jeff talk about the buyout of Copper and Kings. TBD music is 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.

GDP Script/ Top Stories for August 16th Publish Date: August 16th PRE-ROLL: MONSTER JAM From the BG AD Group Studio Welcome to the Gwinnett Daily Post Podcast. Today is Saturday, August 16th and Happy Birthday to Madonna I’m Peyton Spurlock and here are your top stories presented by Gwinnett KIA Mall of Georgia. Archer student donating to needy gets big surprise from Amazon Gwinnett school tax rate going down, but property owners will still owe more Author Leigh Dunlap to discuss debut book 'Bless Your Heart' at Duluth library Plus, the Stripers report with pitcher Dane Dunning All of this and more is coming up on the Gwinnett Daily Post podcast, and if you are looking for community news, we encourage you to listen daily and subscribe! Break 1: 07.14.22 KIA MOG STORY 1: Archer student donating to needy gets big surprise from Amazon  Sometimes, it’s the smallest things that spark the biggest change. Nehemiah Hamilton, a senior at Archer High, used to dream of coding the next billion-dollar app. But after diving into community programs like Gwinnett’s Youth Commission and interning for Dacula’s mayor, his focus shifted. He didn’t just want to make millions—he wanted to help millions. So, he started “The Little Things,” a fundraiser to buy essentials low-income families often go without: detergent, toiletries, underwear, umbrellas. Especially umbrellas. Nehemiah set a modest goal—$500. Two weeks later, he’d raised over $2,000. Then, Amazon stepped in. After Gwinnett Chairwoman Nicole Love-Hendrickson shared his story on LinkedIn, Amazon’s Georgia community affairs lead, Terreta Rodgers, showed up with a truck. Literally. 3,600 items. Triple his donation. Nehemiah’s not stopping. He’s thinking about Morehouse, public service, maybe even running for office someday. But for now? He’s extending his fundraiser and calling on others to step up. STORY 2: Gwinnett school tax rate going down, but property owners will still owe more The Gwinnett County Board of Education voted Wednesday to lower the property tax rate by nearly half a mill—sounds like good news, right? Not so fast. Even with the drop to 20.15 mills, many property owners will still see higher tax bills, thanks to rising property values. Board Vice Chair Tarece Johnson-Morgan wasn’t thrilled, casting the lone “no” vote. Meanwhile, residents like Kay Vickers didn’t hold back. She slammed the board for firing two superintendents in four years (with pricey buyouts) and ignoring overcrowding at schools like Grayson High. The board’s decision followed three public hearings, but the tension? Far from over. STORY 3: Author Leigh Dunlap to discuss debut book 'Bless Your Heart' at Duluth library Mark your calendars: On Wednesday, Aug. 20, at 6:30 p.m., the Duluth Branch of the Gwinnett County Public Library will host Leigh Dunlap, author of the debut novel Bless Your Heart. The event, moderated by Iranian-American writer Samira Shakib-Bregeth, promises a lively discussion about family, reinvention, and the quirks of Southern hospitality—or lack thereof. Dunlap, best known for penning A Cinderella Story (yes, the one with Hilary Duff), brings her screenwriting chops to the page. She splits her time between South Carolina and South Kensington and has also written The Standoff and 16-Love. For details, visit gwinnettpl.org. We have opportunities for sponsors to get great engagement on these shows. Call 770.874.3200 for more info. We’ll be right back Break 2: Ingles Markets 7 STRIPERS INTERVIEW Break 3: MONSTER JAM STORY 6: Three family members guilty of pandemic fraud A man from Pelham, Georgia, has been found guilty of wire fraud in a pandemic relief scam that roped in his family. Tyreek Brown, 28, now faces up to 30 years in prison, five years of supervised release, and a $1 million fine. Sentencing? TBD. His co-conspirators, Sherronica Jackson, 38, and Alan Brown, 52, both pleaded guilty and will be sentenced Nov. 12. Here’s the deal: Jackson snagged a $20,207 PPP loan in 2021, claiming a fake $97,000 income. She then helped Alan and Tyreek secure fraudulent loans for businesses that didn’t exist. Tyreek even sent her $3,000 after cashing in. STORY 7: Georgia unemployment rate down to 3.4% Georgia’s unemployment rate dipped to 3.4% last month, down just a tick from June’s 3.5%, according to the state Department of Labor. For context? That’s well below the national rate of 4.2%. But here’s the twist: while unemployment dropped, the state actually lost 500 jobs, leaving the total just shy of 5 million. Gains in health care (+2,800), manufacturing (+2,700), and construction (+2,100) couldn’t offset losses in food services (-4,500) and transportation (-1,400). Meanwhile, Georgia’s labor force grew slightly, with 732 more people joining in July. We’ll have closing comments after this Break 4: MONSTER JAM Signoff – Thanks again for hanging out with us on today’s Gwinnett Daily Post Podcast. If you enjoy these shows, we encourage you to check out our other offerings, like the Cherokee Tribune Ledger podcast, the Marietta Daily Journal, or the Community Podcast for Rockdale Newton and Morgan Counties. Read more about all our stories and get other great content at www.gwinnettdailypost.com Did you know over 50% of Americans listen to podcasts weekly? Giving you important news about our community and telling great stories are what we do. Make sure you join us for our next episode and be sure to share this podcast on social media with your friends and family. Add us to your Alexa Flash Briefing or your Google Home Briefing and be sure to like, follow, and subscribe wherever you get your podcasts. Produced by the BG Podcast Network Show Sponsors: www.ingles-markets.com www.kiamallofga.com #NewsPodcast #CurrentEvents #TopHeadlines #BreakingNews #PodcastDiscussion #PodcastNews #InDepthAnalysis #NewsAnalysis #PodcastTrending #WorldNews #LocalNews #GlobalNews #PodcastInsights #NewsBrief #PodcastUpdate #NewsRoundup #WeeklyNews #DailyNews #PodcastInterviews #HotTopics #PodcastOpinions #InvestigativeJournalism #BehindTheHeadlines #PodcastMedia #NewsStories #PodcastReports #JournalismMatters #PodcastPerspectives #NewsCommentary #PodcastListeners #NewsPodcastCommunity #NewsSource #PodcastCuration #WorldAffairs #PodcastUpdates #AudioNews #PodcastJournalism #EmergingStories #NewsFlash #PodcastConversations See omnystudio.com/listener for privacy information.

Steve, Darren, Jim and Jeff talk about their favorite releases from the heritage brands. TBD music is 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.

Steve, McNew, Luke, Justine and Kathy talk about Garrison Bros. going into nationwide distribution. TBD music is 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.

Steve, Beka, Tim, Royce and Katie talk about the fact we once dedicated a show to Bourbons Bistro's pork chop. TBD music is 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.

Steve, McNew, Luke, Justine and Kathy talk about a very misleading article about the bourbon industry from a respected news source. TBD music is 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.

Lou Sullivan, arguably one of the first out gay trans men, kept diaries from age 11 until his death in 1991. Decades later, Zach Ozma and Ellis Martin compiled those diaries into "We Both Laughed in Pleasure" (aka the Pink Butt Book) which tells the story of Lou's full, freaky, fascinating life. Zach and Ellis talk to us about painstakingly parsing through Lou's Catholic school cursive and learning that the trans experience is really on a historic loop. Get your copy of "We Both Laughed in Pleasure" from Nightboat Books, or request a copy at your local library. Read up, then join us for a book club discussion with Ellis & Zach by signing up on our Patreon (for just $2) and joining our Discord. Date is TBD and will be announced on Instagram! For further reading, check out Zach and Ellis' recommendations. Hosted by Ally Beardsley and Babette Thomas, Gender Spiral is a quest to explore the modern experience of being a human in our gendered world. Subscribe/follow/rate/review us to help us out.

Steve, McNew, Kathy & Jeff talk about the bourbon things they are doing the rest of the year. TBD music is 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.