Podcasts about types

This episode is brought to you by Nutrafol, the #1-selling hair growth supplement brand. Start from within to see thicker, fuller hair in 3-6 months. Use code VALERIA for $10 off your first month at https://nutrafol.com In this episode of Not Alone, Valeria sits down with board-certified dermatologist and lifestyle medicine expert Dr. Heather Woolery-Lloyd for an eye-opening conversation about hair health, supplements, stress, and what it means to take a whole-body approach to hair thinning. From postpartum shedding to perimenopausal thinning, Dr. Heather breaks down why hair changes and why it takes time to see results. She also helps break down why so many women feel confused by the supplement space. She shares what to really look for in your supplements - from clinical trials and randomized controlled studies to third-party certifications like NSF.  Valeria opens up about her own postpartum hair experience, and the women discuss the emotional toll hair changes can take. Dr. Heather also shares simple, actionable shifts, like five-minute meditation, daily walks, and realistic habit-building, that make wellness feel less overwhelming and more sustainable. Learn more about Nutrafol: https://nutrafol.com Dr. Heather's Instagram: https://www.instagram.com/drheathermd/Dr. Heather's TikTok: https://www.tiktok.com/@drheathermd Valeria's Instagram: https://www.instagram.com/valerialipovetsky/Valeria's TikTok: https://www.tiktok.com/@valeria.lipovetsky Not Alone's Instagram: https://www.instagram.com/notalonepod/Not Alone's TikTok: https://www.tiktok.com/@notalone.pod Shop my look from this episode: https://shopmy.us/shop/collections/3551713 What We Talked About: 0:34 – Valentine's Day, stress & post-holiday burnout 1:45 – Getting Motivated for 2026 2:45 – Meet Dr. Heather Woolery-Lloyd 5:38 – Why she chose dermatology 6:50 – What is lifestyle medicine? 9:05 – The truth about supplements (and doctor skepticism) 10:29 – Why hair takes 3–6 months to respond 12:30 – Stress, sleep & actionable daily habits 15:00 – Why baby steps beat perfection 17:30 – How to read a supplement label (efficacy + safety) 18:55 – What NSF certification actually means 20:25 – Counterfeit supplements & buying safely 23:09 – The importance of randomized controlled trials 25:20 – Types of Hair Thinning 26:07 – Active Ingredients in Nutrafol 28:22 – Supplement stacking: helpful or harmful? 30:00 – Should you be getting blood work? 35:24 – Dr. Heather's 3 supplement rules 37:10 – The psychological impact of hair thinning 38:38 – How can supplements fail us? 40:58 – Gray hair: is innovation coming? Learn more about your ad choices. Visit megaphone.fm/adchoices

For episode 677 of the BlockHash Podcast, host Brandon Zemp is joined by Parth Kapadia, Co-founder and CEO of OpenVPP.OVPP is Building The Internet of Energy by Providing Regulated Digital Asset Rails for Power & Utility Providers. OpenVPP is led by Co-Founder & CEO, Parth Kapadia. Parth brings a wealth of experience from the electric utility industry, including roles at Exelon Corp and AutoGrid (acquired by Uplight, a Schneider Electric company), where he served as Director of Technical Product Management.

Right now I am definitely feeling the pull to simplify things in my life. I even said to my husband the other day, "I feel a bit like I'm on a runaway train!" Luckily, it's not the first time I've felt this way. I now know that this happens sometimes and life will suddenly accelerate faster than I intended. But here's what I've learned: I'm not actually on a runaway train. I can choose to get off. The harder question is how—and that's exactly what this episode is about. As I take a break from new episodes this month in an effort to get off the train, it was important to me to re-air this episode that essentially taught me how to figure out what actually needs my energy—and what doesn't. It's based on Greg McKeown's book Essentialism: The Disciplined Pursuit of Less. Greg's work has been part of my mental bookshelf for a decade, and these lessons about becoming an essentialist help me recalibrate whenever I need them. In this episode, you'll learn:

Awareness of attachment styles in relationships is crucial for maintaining healthy, sustainable relationships. Once you are aware of your attachment styles in relationships, you will begin to see areas where you may need healing. Understanding Attachment Styles and Anxiety Understanding how you relate to others is deeply influenced by your attachment style. This concept, rooted in early life, plays a pivotal role in how you experience relationships today. The Root of Attachment Styles Attachment styles begin to form during the first three years of life when the brain and nervous system are most malleable. Types of Attachment Styles There are several types of attachment styles to consider: Secure Attachment: Developed through consistently supportive caregiving, resulting in trusting and balanced relationships. Anxious Attachment: Arises when caregivers are unpredictable, leading to worry about relationships being untrustworthy or unstable. Avoidant Attachment: Occurs when a caregiver is consistently dismissive or unavailable, causing an emotional distance in adult relationships. Disorganized Attachment: Results from trauma or inconsistent caregiving, creating confusion and fear around intimacy. The Impact of Anxiety Attachment styles are not merely theoretical; they are intricately connected to anxiety levels in relationships. Anxious and avoidant tendencies can manifest through fear of abandonment or difficulty with closeness and vulnerability. Pathways to Healing and Establishing Secure Attachment Awareness is the primary step in transforming your attachment style. Here are some methods to guide your journey: Therapy and Professional Support: Engaging in therapy, especially when informed by attachment theory, can provide profound insights and tools for change. Techniques such as Somatic Experiencing or neurofeedback can aid in reconditioning the nervous system. Grief and Story Work: Unprocessed grief from childhood needs acknowledgment. Story work in a supportive group setting can help reframe past narratives, providing healing and a sense of empowerment. Co-Regulation: Finding relationships where co-regulation is possible helps. Whether through therapy, a coach, or a supportive spouse, being with someone who models secure attachment can naturally elevate your own attachment style. Exploring Spiritual and Emotional Growth: Acknowledging Christianity's role can also promote healing. Secure faith and trust in Jesus as your savior can provide stability and comfort. The Crucial Role of Community Healing from attachment-related wounds is not a solitary journey. Awareness, Acknowledgement, and Hard Holy Work Acknowledging and working with your attachment style is a critical component of improving interpersonal relationships and managing anxiety. A Relationship With the Lord God is at our side and ready to help us heal. Read the full show notes and access all links. Website for Kathryn Wessling Additional Attachment Style resources from Kathryn Books How We Love Secure Love Attachment Style Quizzes: How We Love The Attachment Project

Dans cet épisode de "Un Jour, une vie", Francis Eustache, chercheur en neuropsychologie et spécialiste de la mémoire et de ses troubles, explique les différents types d'amnésie et les mécanismes de la mémoire, en s'appuyant sur l'histoire de Lyah. À 25 ans, la jeune femme s'est réveillée un matin sans aucun souvenir de sa vie passée, contrainte de tout réapprendre et de se reconstruire. Hébergé par Audiomeans. Visitez audiomeans.fr/politique-de-confidentialite pour plus d'informations.

"I define wealth as being able to take my son in the pool at 1:00 PM on a Tuesday," explains Sahil Bloom. Bloom is a NYT bestselling author of The 5 Types of Wealth: A Transformative Guide to Design Your Dream Life. He's also an entrepreneur, investor and a proud, son, husband, and father who believes the greatest things in life come not from finding the right answers, but from asking the right questions. The math that changed Sahil's life (0:18) Redefining success & happiness (2:03) The truth about time with kids (6:11) Can you be a present parent & still pursue a career? (8:37) The “last time” principle (13:30) The arrival fallacy we all fall into (19:18) Avoiding the pyrrhic victory (23:33) Light switches vs. dimmer switches (30:00) His anti-goals framework (32:49) Referenced in the episode:  You can check out Bloom's book here: The 5 Types of Wealth Learn more on his website, here You can read the stats of the American Time Use Survey mentioned, here We hope you enjoy this episode, and feel free to watch the full video on YouTube! Whether it's an article or podcast, we want to know what we can do to help here at mindbodygreen. Let us know at: podcast@mindbodygreen.com. Learn more about your ad choices. Visit megaphone.fm/adchoices

Neuropathy is the feeling of one or more of these five things: numbness, tingling, burning, weakness, sharp pain. In today’s workshop Dr. Tony helps the audience understand how to overcome neuropathy to live a better quality of life. Dr. Tony (and participants) demonstrates the specific treatments and exercises for your recovery. Check it out. Watch this Full Video: https://youtu.be/K7uuNbDP8sI Subscribe, Listen to this episode by searching  to your favorite podcast app, “Crooked Spine Show” Watch other podcasts on YouTube playlist: https://www.youtube.com/playlist?list=PL59D-oy3Ai9fIzpOo6Gx4pCat6gsr0j8D Here is the outline: What is neuropathy? The locations of neuropathy. Types of exercise that help neuropathy. Treatments for the neck and headaches: -pillow stretch -acupressure C0-C1 (for headaches). -Upper Trap Stretch Treatments for the low back/feet: -Relaxed plank extension -Nerve Flossing (hands under knee). Add knee flexion (one-sided; then both) -Leg bent, knee over top stretch.

Want to understand the #keystosuccess in business, relationships, communication and beyond?Want to know one of the fastest paths to creating #RealChange? Listen now to this interview with Frankie Martinez, Certified #Hypnotherapist for the greater Los Angeles area and the world. Frankie reveals the power of the #SubconsciousMind and how it directly impacts success, mindset, and #personaltransformation. Discover:-- how #personalitytype influences your success-- how intuition can become #yoursuperpower-- #keystohealing the subconscious after trauma-- how to move from #LimitingBeliefs to #livingonpurpose-- and so much more!Connect with Frankie now at: https://www.findinglifescompass.com/ #MindsetShift #PersonalDevelopment #SelfMastery  #InnerWork #EmotionalHealing #TraumaHealing #IdentityShift #BeDoHave #ConsciousLiving #SelfAwareness #Intuition #NervousSystem #ReprogramYourMind #Hypnotherapy #MentalHealthMatters #GrowthMindset #HealingJourney #AuthenticLiving #SuccessMindset #InnerHealing #LifePurpose #SelfWorth #MindBodyConnection #liveyourbestlife  #liveyourpurpose_____________________________________ABOUT SAMIA:Samia Bano is the #HappinessExpert, author, speaker, podcaster & coach for coaches and healers. Samia is most known for her book, 'Make Change Fun and Easy' and her #podcast of the same name. With the help of her signature Follow Your Heart Process™, a unique combination of #PositivePsychology and the #spiritual wisdom of our most effective #ChangeMakers, Samia helps you overcome #LimitingBeliefs, your chains of fear, to develop a #PositiveMindset and create the impact and income you desire with fun and ease…Samia's advanced signature programs include the Happiness 101 Class and the Transformative Action Training.Samia is also a Certified #ReikiHealer and Crisis Counselor working to promote #MentalHealthAwareness.  Samia models #HeartCenteredLeadership and business that is both #SociallyResponsible and #EnvironmentallyFriendly.Samia is a practicing #Muslim with an inter-spiritual approach. As someone who has a love and appreciation for diversity, she is a #BridgeBuilder between people of different faiths and cultures. Although Samia currently lives in California, USA, she has lived in 3 other countries and speaks Hindi, Urdu, and English fluently.  Want to learn even more about Samia? Visit www.academyofthriving.com :)To Book your Free HAPPINESS 101 EXPLORATION CALL with Samia, click: https://my.timetrade.com/book/JX9XJ

240. Can We Visualise Our Way To Improved Running Performance?Today we dive into one of the most underused but powerful tools in performance; visualisation. Can we visualise our way to better performance? Today we unpack the affect of mental rehearsal on sporting performance.Lydia explores the science behind visualisation, breaking down how the brain processes mental imagery and why rehearsing performance in your mind can translate to real-world improvements. Drawing on research and practical sport psychology frameworks, this episode explains how visualisation can influence pacing, fatigue tolerance, skill development, and overall race execution.We also unpack the PETTLEP model, a structured and evidence-based approach to mental imagery, and walk through a practical step-by-step example of how runners and endurance athletes can implement visualisation into their training.We cover:• What visualisation actually is and how it influences performance• The neuroscience behind mental rehearsal and motor learning• Research showing improvements in pacing, fatigue management, and skill acquisition• The psychological benefits including confidence, focus, and emotional regulation• The PETTLEP model and how to structure effective visualisation sessions• A practical imagery protocol runners can start using immediatelyIf you've ever felt like you're physically prepared but struggle with execution, race nerves, or confidence, this episode will give you practical strategies to strengthen the mental side of performance. Whether you're chasing a PB, preparing for your first race, or simply wanting to train smarter, visualisation is a tool worth exploring.TIMESTAMPS:00:00 Introduction to Visualisation for Performance02:52 Understanding Visualisation and Its Impact05:49 Research Insights on Visualisation Techniques08:15 Types of Visualisation and Their Applications09:44 Performance Outcomes from Visualisation Practices12:43 Psychological Benefits of Visualisation15:12 Practical Implementation of Visualisation Techniques17:20 The PETTLEP Model Explained19:57 Key Principles for Effective Visualisation23:00 Creating a Visualisation Protocol25:31 Conclusion and Final Thoughts on VisualisationMentioned References:https://members.believeperform.com/imagery-in-sport-elite-athlete-examples-and-the-pettlep-model/ https://discobolulunefs.ro/media/September2020.4.pdf Follow Us:Instagram: ⁠@strongerstride⁠ | ⁠@lydia_mckay⁠ | ⁠@sophielaneYouTube: ⁠Watch on YouTube⁠ https://www.youtube.com/channel/UCAP9eXZNoDB_9zk7WBMm9WADiscount Codes:TAILWINDSTRONG: 15% off Tailwind NutritionSTRONGERSTRIDE: 15% off Vivobarefoot shoesSTRONGER15: 15% off Skorcha SunscreenThanks for tuning in!TSSP x

Think all FIRE is created equal? Think again. The Financial Independence, Retire Early (FIRE) movement has evolved into many distinct strategies, from Lean FIRE to Fat FIRE. We break down the math, mindset, and general lifestyle of 4 popular FIRE strategies, then share our preferred approach: building your army of dollar bills not just to stop working, but to work on your own terms with purpose. ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Jump start your journey with our FREE financial resources⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Reach your goals faster with our products⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Take the relationship to the next level: become a client⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Subscribe on YouTube for early access and go beyond the podcast⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Connect with us on social media for more content⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Bring confidence to your wealth building with simplified strategies from The Money Guy. Learn how to apply financial tactics that go beyond common sense and help you reach your money goals faster. Make your assets do the heavy lifting so you can quit worrying and start living a more fulfilled life. ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠DRINKAG1.com/MONEYGUY Learn more about your ad choices. Visit megaphone.fm/adchoices

Karl and Erum break down how biology is transforming the production of everything from cosmetics to construction materials. They explore why the petrochemical era is giving way to biological manufacturing, examining both the spectacular failures of early biofuels and the emerging success stories of companies like K18 and Mango Materials. Karl and Erum explain the fundamentals of fermentation, precision fermentation, and cell-free manufacturing, while introducing concepts like distributed biomanufacturing and "dirty biology." Drawing on insights from previous guests including Doug Friedman, Michelle Stansfield, Veronica Breckenridge, and Phil Morle, they reveal why 95% of executives are now pursuing bio-solutions and how three converging forces—falling technology costs, rising consumer expectations, and new infrastructure—are making this the moment for biomanufacturing to finally deliver on its promise.Grow Everything brings the bioeconomy to life. Hosts Karl Schmieder and Erum Azeez Khan share stories and interview the leaders and influencers changing the world by growing everything. Biology is the oldest technology. And it can be engineered. What are we growing?Learn more at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠www.messaginglab.com/groweverything⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Chapters:(00:00:00) - Why AI might just become our CEO (plus haircuts, Pilates, and gene therapy for hearing loss)(00:02:05) - Eli Lilly's $1B gene therapy deal for hearing loss(00:05:00) - Long Now podcast recommendation and NASA astrobiologist Lynn Rothschild(00:07:00) - Discussion of Apple TV's Scion and Drops of God(00:11:00) - What is biomanufacturing and why does it matter?(00:13:00) - The history of petrochemicals as "green technology"(00:16:00) - The opportunity: removing gigatons of carbon and unlocking trillion-dollar markets(00:19:00) - Types of biomanufacturing: fermentation, precision fermentation, and continuous fermentation(00:22:00) - Cell-free manufacturing and plant cell bioreactors(00:26:00) - Growing products with mycelium and dirty biology approaches(00:29:00) - Why biomanufacturing has been hard: the valley of death(00:30:00) - The biofuels bust and lessons from 60 failed companies(00:34:00) - Infrastructure challenges and the capacity gap(00:36:00) - New solutions: performance over sustainability and the K18 example(00:40:00) - Orchestration beats invention: connecting the entire value chain(00:43:00) - Distributed biomanufacturing and making products from waste(00:48:00) - The bio-better reality: what consumers and CPG companies need(00:51:00) - Three forces converging to make biomanufacturing work now(00:53:00) - Quickfire questions: luxury vs. commodities, funding, and AI's roleLinks and Resources:Links and Resources DOCTopics Covered: biomanufacturing 101, industrial biotechnology, precision fermentation, continuous fermentation, cell-free biomanufacturing, distributed biomanufacturing, dirty biology, bio-based materials, performance vs sustainability, CPG reformulationHave a question or comment? Message us here:Text or Call (804) 505-5553⁠Instagram⁠  / ⁠Twitter⁠ / ⁠LinkedIn⁠ / ⁠Youtube⁠ / ⁠Grow Everything⁠Music by: Nihilore Production by:  Amplafy Media

This show has been flagged as Clean by the host. Making First Contact An amateur radio contact, more commonly referred to as simply a "contact", is an exchange of information between two amateur radio stations. The exchange usually consists of an initial call, a response by another amateur radio operator at an amateur radio station, and a signal report. A contact is often referred to by the Q code QSO. It is often limited to just a minimal exchange of such station IDs. Stations who have made a contact are said to have worked each other. An operator may also say that he has worked a certain country. QSO: (amateur_radio) Making your first QSO Kees's history 1990 PD1OOY VHF/UHF only, 25 Watt, only F3E. (NED, BEL, LX, DL) 1991 PE1OOY CEPT Class II 1995 G7TWO 1st British callsign CEPT Class II 1997 PE7TWO First vanity callsign CEPT Class II 2000 M5TWO CEPT Class A+B+ CW included 2000 PA7TWO CEPT Class I + CW included 2002 M5TWO CEPT Class I + CW included Ken's history COVID-19 lockdown in the United Kingdom 2020-08-21 Amateur Foundation Examination 2021-01-28 Amateur Intermediate Examination 2021-08-05 Amateur Full Radio Licence Links UK Amateur Licensing Baofeng UV-5R Mini 5W Dual Band Radio BangGood Tech Minds video " This Baofeng UV-5R Mini Is Almost Perfect - And It's Only $25! " QSO: amateur_radio QSL Card IARU Region 1 HF band plan QRZ.com Club Log Modulation Codes , Types of radio emissions Provide feedback on this episode.

Maintenant Vous Savez, c'est aussi ⁠Maintenant Vous Savez - Santé⁠ et ⁠Maintenant Vous Savez - Culture⁠. Sur Tiktok vous avez probablement vu passé des vidéos expliquants les différents types d'attachement. Ils sont très utilisés pour vous aider à comprendre vos réactions en amour ou en amitié. Alors avez-vous plutôt un type d'attachement évitant ou anxieux ? Les types d'attachements ont été théorisés par le psychologue britannique John Bowlby dans les années 50. Il s'est appuyé sur des recherches autour de l'impact des séparations précoces entre les nourrissons et leurs mères. Il a souligné l'importance des relations d'attachement dans le développement social et émotionnel des enfants, ainsi que sur leur santé mentale à long terme. C'est quoi exactement un style d'attachement ? Quels sont-ils alors ? Comment connaître son type d'attachement ? Ecoutez la suite de cet épisode de "Maintenant Vous Savez - Santé". Un podcast Bababam Originals, écrit et réalisé par Olivia Villamy Première diffusion : mai 2023 A écouter aussi : ⁠Quelles sont les 3 astuces pour arrêter de grignoter ?⁠ ⁠Pourquoi certaines personnes éternuent-elles face au soleil ?⁠ ⁠Pourquoi notre ventre gargouille-t-il ?⁠ Retrouvez tous les épisodes de ⁠"Maintenant vous savez santé".⁠ Suivez Bababam sur ⁠Instagram⁠. Learn more about your ad choices. Visit megaphone.fm/adchoices

This conversation delves into the complexities of secured transactions, particularly focusing on special collateral types as outlined in Chapter 5 of the UCC. The discussion emphasizes the importance of understanding the unique rules governing deposit accounts, proceeds, fixtures, and commercial tort claims, as well as the implications of electronic chattel paper. The speakers provide insights into the legal frameworks that dictate how these assets are treated in terms of attachment, perfection, and priority, highlighting the critical need for practitioners to recognize when standard rules do not apply.Unlock the secrets behind the most challenging exceptions in secured transactions with our in-depth analysis of Chapter 5 of the UCC. If you thought filing a UCC-1 was enough, think again—some collateral types demand control, precise descriptions, or even perfect timing to truly secure your interests. This episode reveals how control supersedes filing for deposit accounts, how fixture filings unlock priority over real estate mortgages, and why the graphic complexities of proceeds, electronic chattel paper, and FCC licenses matter more than you think.You'll discover the critical “special collateral” framework that separates the simple from the sophisticated—why certain assets are the “danger zone” and how to navigate it. We break down real-world traps like the Lowest Intermediate Balance Rule for commingled funds, the importance of exact legal descriptions in fixture filings, and the race between control agreements and bank priority. Get quirky on the technicalities of electronic chattel paper—think blockchain before blockchain—where control through specialized IT vaults can trump traditional filing.We dive into high-stakes case studies: how courts view FCC license proceeds, the pitfalls of describing collateral too vaguely in filings, and the complex dance of priority among a construction mortgage, PMSI fixtures, and suppliers. You'll learn the importance of describing collateral with legal precision, the strategic use of control to avoid unperfected interests, and how to advise clients on safeguarding their assets against layered claims.This episode is perfect for future litigators, seasoned practitioners, and exam takers aiming to decode the law's most intricate exceptions. Master the policy reasons behind these rules—why the law favors control for bank accounts and careful descriptions for fixtures—and learn to synthesize real property law with Article 9 in high-stakes scenarios like real estate, digital assets, and complex security arrangements.Don't just memorize—understand the “why” behind the rules. Because in secured transactions, knowing the exceptions is the difference between winning and losing control, priority, and perfection. Get ready to navigate the “danger zone” with confidence—your mastery starts here.TakeawaysPart five separates passing grades from top scores.Special collateral types require a different analytical approach.Deposit accounts require control, not just filing.The lowest intermediate balance rule is crucial for proceeds.Fixtures must be filed correctly to ensure priority.Commercial tort claims need specific descriptions in agreements.Electronic chattel paper requires a unique control system.Understanding the interplay between UCC and real property law is essential.The mental map for secured transactions is key for exam success.Recognizing exceptions is critical for navigating secured transactions.secured transactions, UCC, collateral types, deposit accounts, proceeds, fixtures, commercial tort claims, electronic chattel paper, legal framework, bankruptcy

🧭 REBEL Rundown 📌 Key Points The 4 Steps of an ED Consult:👋 Introduce yourself and your role🎯 Lead with the outcome (the ask)🧾 Give a focused case summary (why it’s theirs + what you’ve done)🔁 Close the loop (timeline, next steps, contingencies) Click here for Direct Download of the Podcast. 📝 Introduction Today we’re tackling one of the most important (and most under-taught) skills in emergency medicine: how to call a consult in the ED and what to do when a consultant pushes back.To call a consult in the ED, start with a brief introduction, lead with the outcome you need (“the ask”), give a focused decision-relevant summary, and close the loop with timeline and next steps. If the consultant resists, clarify the “why,” restate the ask, offer alternatives, and escalate when patient safety or disposition is at risk.After two decades in emergency medicine and countless consult calls, here’s a simple framework—plus copy/paste scripts—to make your consults faster, clearer, and easier to say “yes” to. 🤔 Why Consult Skills Matter in Emergency Medicine Consults aren’t a formality—they’re a patient-care intervention. Strong consult communication:Reduces delays in time-sensitive careImproves ED throughput and dispositionDecreases conflict and miscommunicationClarifies ownership and next stepsProtects the patient (and the team) when plans are unclear 🪜 The 4-Step ED Consult Framework (Introduction → Ask → Summary → Close the Loop) Most consult friction comes from one of two problems: unclear expectations or excessive noise. This four-step structure solves both.1) Introduce yourself and your roleA simple intro sets a professional tone and removes ambiguity.Script: “Hey, this is Swami, one of the ED attendings. I’m calling for an ortho consult.” 2) Lead with the outcome (the ask)Don’t bury the lede. The consultant wants to know what you need—immediately.Script: “I’m calling about a patient with a suspected septic knee. I need you to evaluate for operative management.” 3) Give a focused, decision-relevant summaryYour summary should answer:Why this is your service’s problemWhat’s already been doneWhat I’m worried about / what decision is needed nowScript: “43-year-old man with no major PMH, 3 days of knee pain and swelling. XR negative. Febrile. Aspiration yielded purulent fluid—cultures sent. We started antibiotics after the tap. He’s hemodynamically stable.” High-yield pearl: Add quick “stability anchors” when relevant:“Airway stable, pain controlled.”“Neurovascularly intact.”“No signs of compartment syndrome.”“No hypotension or escalating oxygen requirement.” 4) Close the loop (timeline + next steps)This prevents the consult from floating in limbo and protects patient flow.Script: “When do you expect to see the patient, and do you want anything done before you arrive—NPO, repeat labs, additional imaging?” 📝 ED Consult Script General ED Consult Script “Hi, this is Dr. ___ in the ED. I’m calling for a ___ consult. The reason is ___. Briefly: ___ year-old with ___. We’ve done ___ and started ___. I’m concerned about ___. Can you see them today, and what’s your preferred next step?” Septic joint / Ortho Example “Hi, this is Swami in the ED. I need an ortho consult for suspected septic arthritis. 43-year-old with 3 days of atraumatic knee swelling and fever. XR negative. Tap produced purulent fluid—cultures sent. Antibiotics started after aspiration. Can you evaluate for operative management, and when can you see the patient?” Neurology example (time-sensitive) “Hi, this is Dr. ___ in the ED. I need neurology for suspected acute stroke. Last known well ___. NIHSS ___. CT/CTA completed (or pending). I’m calling to discuss candidacy for thrombolysis/thrombectomy and next steps. When can you evaluate and what additional workup do you want now?” ⛓️‍💥 Common ED Consult Mistakes (and Fixes) Mistake: Long story before the askFix: Lead with the outcome in the first sentenceMistake: Unfiltered data dumpFix: Provide only decision-relevant detailsMistake: No timelineFix: Ask explicitly when they’ll see the patient and what they need firstMistake: Implicit “ownership”Fix: Clarify who is admitting, who is following, and what happens if the patient worsens ✋ What to Do When a Consultant Pushes Back Even a perfect consult can meet resistance. Your job is to stay calm, keep it professional, and protect the patient.1) Ask “why?”Don’t argue first—diagnose the refusal.Script: “Help me understand your concern about seeing this patient.” Many refusals are based on misunderstanding: wrong service, missing key detail, or incorrect assumption about stability.2) Restate the consult in one sentence, then offer optionsIf the conversation starts spiraling, reset it.Script: “To be clear, I’m concerned this is septic arthritis and needs ortho evaluation. If you don’t feel you’re the right service, who should be—rheum, medicine, or another surgical team?” This keeps you collaborative while preventing dead ends.3) Humanize the decision (use sparingly)This is a “high-voltage” tool. Use it when stakes are high and you’ve already clarified the medical facts.Script: “I’m worried we’re missing something time-sensitive. If this were your family member, what would you want us to do next?” Use it to re-anchor to patient risk—not as a guilt tactic. ⚡️When and How to Escalate a Consult Escalation isn’t personal—it’s a safety mechanism when there’s an impasse that threatens timely care.When to escalateTime-sensitive condition is delayed (e.g., septic joint, cord compression, testicular torsion, GI bleed with instability)No clear disposition plan despite reasonable ED evaluationConsultant refusal blocks needed specialty decision-makingPatient safety or deterioration risk is increasing in the ED How to escalate (lowest to highest intensity)Ask for the consultant’s attending (if speaking to a resident)Call the on-call attending directlyInvolve ED leadership/medical directorEscalate to service chief/department chair (rare, but real)Hospital supervisor/admin escalation for immediate operational impasseScript: “We’re at an impasse and the patient needs a decision. I’m escalating to clarify ownership and ensure timely care.” ️ Documentation Tips for Consult Refusals Documentation should be factual and patient-centered, not punitive.Include:Your clinical concern and why the consult is neededWho you spoke with (name/role)Their stated reason for refusal or delayAlternatives discussedEscalation steps taken and final plan 👉 FAQ: Emergency Medicine Consults What is the best way to call a consult in the ED?Introduce yourself, lead with the specific ask, summarize only decision-relevant details, and close the loop with a clear plan and timeline.What should I say when a consultant refuses to see a patient?Ask why, clarify misunderstandings, restate your concern and the ask, and request an alternative plan or appropriate service.When should I escalate a consult?Escalate when an impasse delays time-sensitive care, threatens patient safety, or prevents appropriate disposition.How do I document a refused consult?Document the clinical concern, who you spoke with, their stated reason, alternatives discussed, and escalation steps taken. 🏁 Conclusion Mastering emergency medicine consults makes you faster, safer, and easier to work with. The goal isn’t to “win” a consult call—it’s to get the patient the right care, with clear ownership and a shared plan. Post Peer Reviewed By: Marco Propersi, DO (Twitter/X: @Marco_propersi), and Mark Ramzy, DO (X: @MRamzyDO) 👤 Associate Editor Anand Swaminathan MD, MPH All Things REBEL EM Meet The Team 🔎 Your Deep-Dive Starts Here REBEL Core Cast – Pediatric Respiratory Emergencies: Beyond Viral Season Welcome to the Rebel Core Content Blog, where we delve ... Pediatrics Read More REBEL Core Cast 143.0–Ventilators Part 3: Oxygenation & Ventilation — Mastering the Balance on the Ventilator When you take the airway, you take the wheel and ... Thoracic and Respiratory Read More REBEL Core Cast 142.0–Ventilators Part 2: Simplifying Mechanical Ventilation – Most Common Ventilator Modes Mechanical ventilation can feel overwhelming, especially when faced with a ... Thoracic and Respiratory Read More REBEL Core Cast 141.0–Ventilators Part 1: Simplifying Mechanical Ventilation — Types of Breathes For many medical residents, the ICU can feel like stepping ... Thoracic and Respiratory Read More REBEL Core Cast 140.0: The Power and Limitations of Intraosseous Lines in Emergency Medicine The sicker the patient, the more likely an IO line ... Procedures and Skills Read More REBEL Core Cast 139.0: Pneumothorax Decompression On this episode of the Rebel Core Cast, Swami takes ... Procedures and Skills Read More The post REBEL Core Cast 150.0: Emergency Medicine Consults: How to Call a Consult + Handle Pushback (With Scripts) appeared first on REBEL EM - Emergency Medicine Blog.

On this episode of 'My Friend Autism', Orion Kelly explores some new research revealing four genetic Autism subtypes. Orion Kelly is an Autistic YouTuber, podcaster, author, actor and advocate. Find out more about his podcast and YouTube channel's at Orion's website: https://orionkelly.com.au   All rights reserved.

In this episode of Mining Stock Education, host Bill Powers welcomes Dr. Rob Stevens, author of 'Mineral Exploration and Mining Essentials.' Dr. Stevens provides an in-depth presentation on uranium deposits, discussing the fundamentals of uranium, its geology, types of deposits, and investment considerations for uranium stock investors. He highlights the growing global demand for nuclear power and the expected structural deficit in uranium supply by 2029. The discussion also covers different uranium deposit types, mining methods, exploration techniques, and key factors investors should consider. Dr. Stevens emphasizes the importance of high-grade findings and potential investment opportunities in the sector. Listeners are encouraged to delve deeper into uranium mining through Dr. Stevens' book and online courses available at miningessentials.com. Link to this presentation on YouTube: https://youtu.be/vgTZSeL_vWg 00:00 Introduction and Guest Welcome 01:46 Uranium Market Fundamentals 06:00 Types of Uranium Deposits 16:10 Uranium Mining Techniques 18:30 Exploration and Investment Considerations 25:06 Conclusion and Resources To learn about Rob's book and online training courses: https://www.miningessentials.com/ Rob's YouTube channel: https://www.youtube.com/@mining-essentials Sign up for our free newsletter and receive interview transcripts, stock profiles and investment ideas: http://eepurl.com/cHxJ39 This episode was not sponsored. MSE received no compensation to speak favorably of Rob Stevens' book and has no revenue-sharing arrangement with Dr. Stevens. Mining Stock Education offers informational content based on available data but it does not constitute investment, tax, or legal advice. It may not be appropriate for all situations or objectives. Readers and listeners should seek professional advice, make independent investigations and assessments before investing. MSE does not guarantee the accuracy or completeness of its content and should not be solely relied upon for investment decisions. MSE and its owner may hold financial interests in the companies discussed and can trade such securities without notice. MSE is biased towards its advertising sponsors which make this platform possible. MSE is not liable for representations, warranties, or omissions in its content. By accessing MSE content, users agree that MSE and its affiliates bear no liability related to the information provided or the investment decisions you make. Full disclaimer: https://www.miningstockeducation.com/disclaimer/

Feeling overwhelmed about vaginal tearing during childbirth? Join Roxanne, a certified nurse midwife, on the MamasteFit YouTube channel as she breaks down the nuances of lacerations and vaginal tearing. Learn about different types and degrees of tears, their prevalence, and which ones may require sutures. Roxanne offers tips on preventing tears and discusses healing techniques, including the benefits of pelvic floor physical therapy. Whether you're expecting your first baby or have had children before, this video provides valuable insights and practical advice to help you feel more prepared for childbirth.Check out our videos with more tips on preventing tearing!: https://youtu.be/dKcxbVUYiCghttps://youtu.be/loJjEDFBvnMAnd these podcast episodes:https://spotifycreators-web.app.link/e/vDJkSCo6E0bhttps://spotifycreators-web.app.link/e/uJJU8Bo6E0b————

I will talk about how to use meditation as a tool for real-life wellness, especially for midlife women managing stress, burnout, and busy schedules. I will explore different types of meditation, including breath work, body awareness, walking meditation, mantra meditation, and visualization, providing practical guidance and illustrating how these practices can be seamlessly integrated into everyday life. 00:00 Introduction & Welcome 02:43 What is Meditation? 04:47 Types of Meditation 04:52 Breath Work 06:05 Body Awareness Meditation 07:24 Walking Meditation 08:35 Mantra Meditation 09:34 Visualization Meditation 12:08 When to Meditate 12:43 Guided Meditation 15:45 Closing & ResourcesFollow Nikki on Substack:https://substack.com/@nikkilaniganJoin my 31-Day Nervous System Reset Programhttps://stan.store/nikklanigan/p/31day-nervous-system-reset-program

The best part of my work as a brand positioning and messaging strategist is the vantage point it gives me. I get to see the brilliance of my clients up close and where they truly stand out in the market. I also see the bigger vision so many of you share: workplaces that prioritize people alongside profits, and systems that put humanity first. We may come from OD, Lean, leadership development, change management, or coaching. We may use different language. But the vision is the same. And so are the struggles. People-centered leadership that leaders won't fully buy into.Change initiatives that are well designed and quietly abandoned.Being laid off despite delivering clear ROI. As I tried to make sense of this—and of what's happening in the United States that feels deeply troubling—I stumbled onto something that brought clarity. We are operating from a stakeholder capitalism mindset in a world that has made a committed shift to shareholder capitalism. Once I saw that, my consulting career finally made sense. I wasn't failing to communicate. The resistance wasn't personal. It was predictable. I was operating from a stakeholder mindset, believing organizations should invest in people, balance needs, and create long-term value. But I was consulting inside a shareholder system designed to do the opposite. One where profits come first, people are costs to manage, and quarterly earnings matter more than long-term impact. I was trying to plant a garden in concrete. If this resonates, today's episode is for you. I get that this is not the typical topic I get into on the show, but it reflects the higher purpose behind what I do and why the show is called Consulting Matters. Here's what you'll discover: The shift that happened in the late 1970s and 1980's that changed how business works (and why you need to know this) The invisible game you're playing—stakeholder mindset meets shareholder system What I wish I'd known about managing expectations and guarding my heart Why we need each other—the vision I have for the Common Good Consulting & Coaching Consortium Next Steps: Embrace and celebrate your stakeholder mindset. Honor the values you hold dear and then right-size your expectations given the shareholder mindset world your consulting or coaching is swimming in. Take the wins, guard your heart and care…but not too much. Consider being a founding member of the Common Good Consulting and Coaching Consortium. Go to www.betsyjordyn.com/common-good to get on the interest list. Start the partnering now. Think about who you know in a different discipline who might be your partner. Reach out. Start a conversation. Other episodes you may enjoy: Stop Calling Yourself "Consultant" or "Coach": Why You Need a Unique Title (Ep148) 3 Types of Consulting /Coaching Expertise: Which one is yours? (Ep147) 5 Truths About Branding, I Only Saw After Tearing My Process Apart (Ep146) Inside My Brand Messaging Process (and Why It Always Works) (Ep140) About the host: Betsy Jordyn is a business mentor, brand messaging strategist, and former Disney consultant who helps purpose-driven consultants and coaches build profitable businesses rooted in their unique strengths. With over 20 years in the industry and a knack for turning big ideas into clear positioning, she's your go-to for strategy that aligns with your calling. Work with me: https://www.betsyjordyn.com/services

The base of a bullet and its design dictate a good portion of how it behaves down range. Tune in as the guys talk through the most common types, what they offer, and where they shine.As always, we want to hear your feedback! Let us know if there are any topics you'd like covered on the Vortex Nation™ podcast by asking us on Instagram @vortexnationpodcast

2026-02-08-0830 Pastor Loran Livingston is the speaker this morning, February 8, 2026, in the 8:30 am service.   Scripture: Genesis 24:1-67   Notes: -When you study the scriptures, you will learn a theological phrase at some point 2 words. -Types and shadows -In the Old Testament types of people that represent Jesus. -The shadows, all kind of worship that points to Jesus in the. -It all points back to Jesus. -We've never seen Him , but we love Him.

In this episode, Janet talks about the types of lives that bring about success in the film industry.

In Sync with Nature: Lessons in Rhythm, Pause, and PresenceIn this reflective episode, we explore what the natural world can teach us about staying in sync—especially for educators and caregivers who spend their days responding to the needs of others.Nature is not balanced because it avoids disruption, but because it integrates it. Through seasons, storms, rest, and regeneration, the natural world offers powerful lessons about rhythm, timing, and presence—lessons that are often easy to forget in professions built around constant giving.Recorded during a season of personal vulnerability, this episode invites listeners to look to nature as a teacher rather than a backdrop. It's a reminder that pauses are not interruptions, and slowing down is not a failure—it's part of how balance is restored.This conversation is for educators and caregivers who feel stretched, tender, or out of sync, and are longing to return to a rhythm that feels sustainable and true.In this episode, we explore:What nature teaches us about rhythm, seasons, and timingWhy pause is an essential part of balance, not a disruptionHow presence helps educators and caregivers stay aligned while holding so muchLiving in response rather than resistanceLearning to listen—when life slows us downReflection for listeners:What might change if we trusted rhythm instead of rushing it?In this reflective episode, we explore what the natural world can teach us about staying in sync—especially for educators and caregivers who spend their days responding to the needs of others.Nature is not balanced because it avoids disruption, but because it integrates it. Through seasons, storms, rest, and regeneration, the natural world offers powerful lessons about rhythm, timing, and presence—lessons that are often easy to forget in professions built around constant giving.Recorded during a season of personal vulnerability, this episode invites listeners to look to nature as a teacher rather than a backdrop. It's a reminder that pauses are not interruptions, and slowing down is not a failure—it's part of how balance is restored.This conversation is for educators and caregivers who feel stretched, tender, or out of sync, and are longing to return to a rhythm that feels sustainable and true.In this episode, we explore:What nature teaches us about rhythm, seasons, and timingWhy pause is an essential part of balance, not a disruptionHow presence helps educators and caregivers stay aligned while holding so muchLiving in response rather than resistanceLearning to listen—when life slows us downReflection for listeners:What might change if we trusted rhythm instead of rushing it?Join the Outdoor Classrooms Community:Want to continue the conversation, access our workshop library, or collaborate with like-minded educators?

Episode 2: Types of guns and how they differRelebogile Mabotja speaks to Themba Kubheka a South African security operator and firearms safety advocate about the different types of guns and how they differ.702 Afternoons with Relebogile Mabotja is broadcast live on Johannesburg based talk radio station 702 every weekday afternoon. Relebogile brings a lighter touch to some of the issues of the day as well as a mix of lifestyle topics and a peak into the worlds of entertainment and leisure. Thank you for listening to a 702 Afternoons with Relebogile Mabotja podcast. Listen live on Primedia+ weekdays from 13:00 to 15:00 (SA Time) to Afternoons with Relebogile Mabotja broadcast on 702 https://buff.ly/gk3y0Kj For more from the show go to https://buff.ly/2qKsEfu or find all the catch-up podcasts here https://buff.ly/DTykncj Subscribe to the 702 Daily and Weekly Newsletters https://buff.ly/v5mfetc Follow us on social media: 702 on Facebook https://www.facebook.com/TalkRadio702 702 on TikTok: https://www.tiktok.com/@talkradio702 702 on Instagram: https://www.instagram.com/talkradio702/ 702 on X: https://x.com/Radio702 702 on YouTube: https://www.youtube.com/@radio702 See omnystudio.com/listener for privacy information.

Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Rhonda Spratt. Founder of Bella Duvet Goes Pink, a Georgia‑based breast cancer awareness nonprofit inspired by her mother’s battle with metastatic breast cancer. Rhonda explains how her mother’s passing drove her to build a year‑round awareness and support organization specifically focused on ensuring women stay vigilant outside of October. She discusses early detection, the emotional and physical realities of breast cancer, the creation of her “Pink Box” care packages, her personal journey of healing, and how she balances nonprofit work with a full‑time commercial real estate career and active lifestyle.

Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Rhonda Spratt. Founder of Bella Duvet Goes Pink, a Georgia‑based breast cancer awareness nonprofit inspired by her mother’s battle with metastatic breast cancer. Rhonda explains how her mother’s passing drove her to build a year‑round awareness and support organization specifically focused on ensuring women stay vigilant outside of October. She discusses early detection, the emotional and physical realities of breast cancer, the creation of her “Pink Box” care packages, her personal journey of healing, and how she balances nonprofit work with a full‑time commercial real estate career and active lifestyle.

Struggling with SIBO, Candida, or IBS? In this video, we break down the 3 probiotic types that actually support gut healing—and why choosing the wrong one can backfire. Learn how these probiotics differ, who they're best for, and how to use them strategically as part of a smart gut-healing protocol, plus when food sources can help support the process.   ✅Start healing with us! Learn more about our virtual clinic:  https://drruscio.com/virtual-clinic/  

Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Rhonda Spratt. Founder of Bella Duvet Goes Pink, a Georgia‑based breast cancer awareness nonprofit inspired by her mother’s battle with metastatic breast cancer. Rhonda explains how her mother’s passing drove her to build a year‑round awareness and support organization specifically focused on ensuring women stay vigilant outside of October. She discusses early detection, the emotional and physical realities of breast cancer, the creation of her “Pink Box” care packages, her personal journey of healing, and how she balances nonprofit work with a full‑time commercial real estate career and active lifestyle.

2026-02-08-1030 Pastor Loran Livingston is the speaker this morning, February 8, 2026, in the 10:30 am service.   Scripture: Genesis 24:1-67   Notes: -When you study the scriptures, you will learn a theological phrase at some point 2 words. -Types and shadows -In the Old Testament types of people that represent Jesus. -The shadows, all kind of worship that points to Jesus in the. -It all points back to Jesus. -We've never seen Him , but we love Him.

I read chapter 7 by myself, but chapter 8 has a special guest sitting in! Montana, my daughter offers some adorable feedback in this podcast! Maybe more from her to come! ❤ Follow along with the bookclub by visiting https://www.youtube.com/@DavidAsscherick  And get your Types and Symbols Journal or a new printing of these lovely books https://www.typesandsymbols.com Christ's Object…… Continue reading PPP Season 2: Ch 7&8 Christ’s Object Lessons Read-Along *Special Guest*

Defining brain cell types is no longer a matter of classification alone, but of embedding their genetic identities within the dynamical organization of population activity.

There are four types of friends that you need in your life. The Bible teaches us how vitally important friends and friendship is - good or bad. These four type of friends will help you grow, succeed, and accomplish God's will for your life!In this Faith for My Generation Podcast Episode, we discuss seven truths and characteristics on the road to becoming wise with God's wisdom!If you prayed the prayer of Salvation please fill out this form so that we can mail you a free gift!https://gospeltabernacle.breezechms.com/form/salvationIf you would like to check out all our resources, send a message, or sow a seed into the ministry work please visit:https://www.faithformygeneration.com

In this episode, Warren Ingram and Pieter de Villiers explore the psychology of money and the different money personalities that influence financial behavior. They discuss the debtor mindset, characterized by avoidance and fear of money, and the investor mindset, which focuses on wealth building and financial discipline. The conversation emphasizes the importance of understanding one's own financial behaviors and beliefs, and the role of coaching and accountability in achieving financial goals.TakeawaysUnderstanding money personalities helps in achieving financial goals.The debtor mindset often leads to avoidance and overspending.Financial coaching can aid in changing negative beliefs about money.Investors need to be cautious of letting money control their lives.Contentment is key to a healthy relationship with money.Building a system can help avoid financial traps.Having a money buddy can provide accountability.Self-awareness is crucial in managing financial behaviors.It's important to take ownership of your financial situation.Life experiences shape our financial beliefs and behaviors.Learn more about Prescient Investment Management here.Send a textHave a question for Warren? Don't forget to voice note your questions through our WhatsApp chat on (+27)79 807 8162 and you could be featured in one of our episodes. Follow us on Twitter, LinkedIn and subscribe to our YouTube channel for more Financial Freedom content: @HonestMoneyPod

Through a compassionate lens, I discuss the types of bipolar disorder, the challenges of diagnosis, and the significance of proper treatment and lifestyle management. - 00:00 Understanding Bipolar Disorder 11:00 The Types and Causes of Bipolar Disorder 16:06 Diagnosis, Treatment, and Management 19:50 Living with Bipolar Disorder: Myths and Stigma -

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 1954: Michael Levitt explores essential strategies for business success by outlining five powerful marketing tools, ranging from SEO to content marketing, and explains how each one helps businesses grow, connect with customers, and drive conversions. He also offers practical, eco-friendly solutions for reusing recycled paper in the workplace, helping companies reduce waste and embrace sustainable practices. Read along with the original article(s) here: https://www.breakfastleadership.com/blog/marketing-tools-5-types-why-your-business-needs-them & https://www.breakfastleadership.com/blog/ways-to-use-recycled-paper-in-the-workplace Quotes to ponder: "Social media also provides an opportunity for customers to engage with your brand and give you feedback." "SEO involves optimizing your website content, structure, and code so that search engines can easily find and index your site." "Content marketing can take many forms, such as blog posts, e-books, infographics, videos, and more." Episode references: Facebook Ads: https://www.facebook.com/business/ads Instagram Ads: https://business.instagram.com/advertising Google SEO Starter Guide: https://developers.google.com/search/docs/fundamentals/seo-starter-guide Mailchimp: https://mailchimp.com  

🧭 REBEL Rundown 🔑Key Points 🛌 Rest isn’t a luxury; it’s a necessity and differs significantly from sleep in terms of mental and physical recovery needs.🧠 Uncovering the seven types of rest can highlight diverse needs: physical, mental, sensory, creative, emotional, social, and spiritual.🏃‍️ Rest from high-stress environments such as the ED is crucial for reducing exhaustion, enhancing decision-making, and maintaining empathy.🔄 The necessity for intentional rest: tailor your rest strategies to meet personal recharge needs effectively.🧐 Rest should be deserved, not earned—it’s a vital component of overall health and wellness, on par with nutrition and hydration. Click here for Direct Download of the Podcast. 👀Previously Covered and Related Content: REBEL Core Cast: Sleep HygieneRebellion in EM: Care For Yourself – Sleep HygieneFirst10EM: Some Evidence For Working Night ShiftsREBEL MIND: Dunning Kruger Effect 📝 Introduction Welcome to this episode of REBEL MIND, where MIND stands for Mastering Internal Negativity during Difficulty. Here we sharpen the person behind the practitioner by focusing on things that improve our performance, optimizing team dynamics and the human behavior that embodies the hidden curriculum of medicine. Today we are exploring the imperative topic of rest and why it’s not just about sleeping. The first of a two part series, hosted by Dr. Mark Ramzy with guests Dr. Maureen Aiad and Dr. Amil Badoolah, our discussion sheds light on the multifaceted nature of rest, especially in the demanding field of emergency medicine. If you’re a clinician striving to perform at your best under pressure, this episode offers valuable insights into achieving the rest you deserve. Cognitive Question How do healthcare professionals in high-stress environments distinguish between rest and sleep, and how can they effectively incorporate various types of rest into their routines to manage stress and improve performance? 💤How is Rest Different From Sleep? Sleep is biological. It’s essential—but it’s only one form of recovery.Rest, on the other hand, is intentional, multifaceted, and active. You can sleep for 8 hours and still feel depleted—because what you needed wasn’t sleep, it was rest—in a different dimension. 🏥How This Applies to the Emergency Department or ICU? In the fast-paced, high-pressure world of the ED or ICU, medical professionals often overlook the importance of rest, perceiving it as unproductive. Yet, rest is crucial for maintaining cognitive function and emotional resilience. The unique concept of rest outlined in the ‘seven types of rest’ can be particularly beneficial. Understanding and implementing these can help practitioners handle the rigors of patient care and decision-making more effectively. 7️⃣The Seven Types of Rest 1️⃣Physical Rest: Passive (like sleep) and active (like stretching, massage, gentle movement).2️⃣Mental Rest: Reducing decision fatigue. Tools like brain dumping, meditation, or taking real breaks during work.3️⃣Sensory Rest: This involves reducing the input from your senses, such as limiting screen time, turning off the lights, or enjoying quiet time.4️⃣Creative Rest: Reconnecting with awe. Nature, art, music—things that refill your inspiration tank5️⃣Emotional Rest: Being around people you don’t have to perform for. Saying “I’m not okay.” spaces and people where you can be your authentic self and be at peace6️⃣Social Rest: Taking space from draining interactions; spending time with life-giving people. 7️⃣Spiritual Rest: Connection to a greater purpose—faith, community, reflection, meditation ⏩Immediate Action Steps for Your Next Shift **Identify Your Rest Needs**: Reflect on what kind of fatigue you’re experiencing and tailor rest activities accordingly, whether it’s sensory detox or emotional unwinding.**Practice Sensory Rest**: Take brief moments to close your eyes, or step outside for fresh air to manage overstimulation during shifts.**Plan Intentional Breaks**: Schedule specific times for rest that focus on particular dimensions you identify as lacking.**Engage in Active Rest**: Incorporate activities like stretching or meditation during your breaks to enhance mental clarity and reduce physical exhaustion.**Connect with Supportive Colleagues**: Seek interactions with peers who offer emotional and social support, promoting a healthy work-life balance. 🛌🏽The Many Aspects of What Makes Up Rest Rest is multifaceted – it comes in more than one formRest is productive – it improves performance, decision-making, empathyRest is intentional – it requires thoughtful engagement, not autopilot. Make a real planRest is layered – especially sensory, which uses all 5 sensesRest is about input and detox – what you consume, and what you remove. Social rest is a good exampleRest is personal – one person’s recharge is another’s stressorRest is deserved, not earned – full stop. Conclusion Rest is a pivotal, multi-dimensional tool that extends beyond mere sleep. For healthcare professionals navigating the strenuous environment of an emergency setting, recognizing and implementing varied forms of rest can enhance overall well-being, decision-making, and patient care. Make rest a deliberate part of your routine, understand its different forms, and remember that it’s a necessity you deserve. 🚨 Clinical Bottom Line Incorporating rest into your lifestyle aligns with the demands of your professional roles and personal health needs. By understanding and employing various types of rest, you not only support your individual wellness but also enhance your ability to care for patients effectively. Rest is vital; it is not a privilege earned but an essential right you deserve every day. Further Reading Dalton-Smith, S. Sacred Rest: Recover Your Life, Renew Your Energy, Restore Your Sanity. Hachette Nashville, 2017.Dalton-Smith, S.The 7 Types of Rest: Seven Ways to Live a More Energized Life. Hachette Book Group, 2022Abramson, A“Seven types of rest to help restore your body’s energy.” American Psychological Association, 6 May 2025, Link is Here Meet the Authors Mark Ramzy, DO Co-Editor-in-Chief Cardiothoracic Intensivist and EM Attending RWJBH / Rutgers Health, Newark, NJ Maureen Aiad, DO Assistant Professor of Emergency Medicine NYU Grossman Long Island School of Medicine, New York Amil Badoolah, DO Assistant Professor of Emergency Medicine NYU Grossman Long Island School of Medicine, New York REBEL Core Cast 119.0 – Sleep Hygiene REBEL Core Cast 119.0 – Sleep Hygiene Click here for Direct Download of ... Read More The post REBEL MIND – Rest Is Not Sleep: The Seven Dimensions of True Recovery appeared first on REBEL EM - Emergency Medicine Blog.

Send us a textWe explain how pelvic ultrasound, saline infusion sonography and ORADS scoring turn confusing reports into clear next steps for cysts, bleeding, and polyps. We share when to watch, when to act and why expert interpretation reduces anxiety and unnecessary tests.• Types of pelvic ultrasound and when each is used• How saline infusion sonography reveals cavity lesions• Benefits of gynecologic imagers vs general radiology• Why image quality and timing affect accuracy• Preparing for scans, full bladder and cycle days• Ovarian cyst basics and common myths• ORADS scoring and what each level implies• Postmenopausal bleeding thresholds and actions• When hysteroscopy is the gold standard• Managing cervical stenosis and procedural comfort• New tech: HyCoSy for tubal patency• Shared decision-making and practical follow-upSupport the show

EVEN MORE about this episode!What happens when a hardcore skeptic dies—and comes back changed forever? In this unforgettable episode of the Ask Julie Ryan Show, Julie Ryan sits down with Dr. Lotte Valentin, whose dramatic near-death experience shattered her lifelong disbelief in anything spiritual. After hemorrhaging following childbirth, Lotte—an atheist programmer from Sweden—found herself floating above her body in an emergency room, immersed in unconditional love, surrounded by angels, and shown a luminous grid revealing that everything is connected.With no spiritual framework to explain what happened, Lotte was terrified to share her experience, fearing she'd be dismissed or institutionalized. But the spirit world didn't stop at revelation—it gave her a mission. She was told to go to medical school, write books, and bring healing messages to others. At age 54, she followed that guidance exactly, completing her prerequisites from scratch and entering medical school, ultimately merging Western medicine with medical intuition, ancestral healing, and mediumship.This powerful conversation explores near-death experiences, divine timing, and why science and spirituality aren't opposites—but reflections of the same truth. Filled with validation, courage, and hope, this episode is a must-watch for anyone who's ever wondered whether there's more to life than what we can see.Guest Biography:Dr. Lotte Valentin is an N.M.D., author, evidential psychic and medical medium, ancestral healer, and internationally recognized keynote speaker known for bridging science and soul. Often described as an oracle, she moves effortlessly through the realms of mystic, prophet, and seer. Her award-winning book Med School After Menopause: The Journey of My Soul earned 1st place in Spiritual Leadership from the Living Now Book Awards for its powerful message of transformation, healing, and spirituality. Following two near-death out-of-body experiences that awakened her clairvoyant, clairaudient, and clairsentient abilities, Dr. Lotte was guided to pursue medicine—completing her prerequisites and entering medical school at age 54—while also serving as an evidential medium and teacher. She has created Ancestral Healing Journeys in collaboration with Hemi-Sync, teaches with leading spiritual organizations worldwide, and frequently speaks on near-death experiences and medical intuition. Dr. Lotte is also the host of Dr. Lotte: Science with Soul, a top-5% globally ranked podcast dedicated to empowering people to heal physically, emotionally, and spiritually while uniting modern science with ancient wisdom.Episode Chapters:(0:01:30) - Dr. Lotte's Background and First NDE Setup(0:02:15) - The 7.4 Earthquake During Labor(0:04:30) - Postpartum Hemorrhaging Begins(0:08:06) - Multiple ER Visits and Medical Dismissal(0:10:30) - Critical Hemorrhage and Blood Pressure Drop(0:12:22) - First Near Death Experience - Leaving the Body(0:17:26) - Sister-in-Law's Spirit Visit in Hospital(0:19:33) - Introduction to Life After Life Book(0:20:06) - Nordic Spirituality and Childhood Experiences(0:21:58) - Second Near Death Experience(0:23:00) - The Mid-Station and Celestial Music(0:24:20) - Encountering Angels and Source Light(0:26:59) - The Grid Vision and Interconnectedness(0:30:00) - Hearing the Spirit World for 12 Years(0:31:01) - The Call to Medical School(0:34:04) - Starting Prerequisites at 54(0:34:44) - Science and Spirituality as Mirrors(0:36:00) - Quantum Entanglement Explanation(0:39:16) - Aura Photography Technology(0:41:49) - Medical Intuitive Work in Practice(0:42:25) - Lung Cancer Diagnosis Story(0:45:09) - Types of Sessions Offered(0:48:32) - Divine Timing vs Procrastination(0:52:00) - Meditation as Essential Practice(0:52:48) - Why We Incarnate➡️Subscribe to Ask Julie Ryan YouTube➡️Subscribe to Ask Julie Ryan Español YouTube➡️Subscribe to Ask Julie Ryan Português YouTube➡️Subscribe to Ask Julie Ryan Deutsch YouTube➡️Subscribe to Ask Julie Ryan Français YouTube✏️Ask Julie a Question!

For years, I thought something was wrong with me. Why was I so energized by vision and ideas, but completely drained by details and follow-through? In this episode, I sit down with leadership expert Patrick Lencioni to talk about the framework that finally gave me language for what I'd felt my entire life. Pat breaks down the 6 types of working genius and shares why burnout isn't caused by working too hard, how most of us grow up believing we're lazy, behind, or not cut out for leadership when in reality, we're just trying to operate outside of how we're wired. Tune in to learn why certain tasks light you up while others exhaust you, and how to build a business and life that works for you. This episode is brought to you in partnership with Working Genius. Check out our Sponsors: Northwest Registered Agent - Don't wait, protect your privacy, build your brand and get your complete business identity in just 10 clicks and 10 minutes! Visit https://www.northwestregisteredagent.com/EarnFree Shopify - Try the ecommerce platform I trust for Glōci, Sign up for your $1/month trial period at http://Shopify.com/happy Brevo - the all-in-one marketing and CRM platform built to help you connect with customers, boost engagement, and grow your business smarter. Get started for free today, or use code HAPPY50 to save 50% on Starter and Standard Plans for the first three months of an annual subscription. Just head to http://www.brevo.com/happy Working Genius - If you're a CEO, an entrepreneur, or anyone who wants to level up, Working Genius helps you drop the shame around your weaknesses and focus on what you naturally do best. Take the Working Genius assessment and get 20% off with code EYH at http://workinggenius.com Indeed - Spend less time searching, and more time actually interviewing candidates who check all your boxes. Indeed is giving Earn Your Happy listeners a $75 SPONSORED JOB CREDIT to help get your job the premium status it deserves. Just go to http://Indeed.com/podcast right now and support our show by saying you heard about Indeed on Earn Your Happy. HIGHLIGHTS 00:00 Pat's 28-year journey in leadership and building healthier companies. 03:30 Why you're not broken for struggling with certain tasks. 06:00 How Working Genius eliminates guilt and self-judgment. 09:15 What are the 6 types of Working Genius? 10:30 Why question-askers are often misunderstood. 12:15 Who is wired to build what doesn't exist yet? 13:00 Why trusting your gut is a real superpower. 14:15 The galvanizers who light the fire and get everyone into action. 17:00 The unseen glue that holds teams, families, and businesses together. 18:30 The finishers who love bringing ideas all the way across the line. 21:15 How to stop resenting teammates for doing what you actually need. 23:00 How misunderstanding creates conflict in relationships. 27:00 How to manage and hire based on Working Genius. 30:15 The language that makes hard work sustainable. 34:30 How much time should you spend in your genius? 35:45 How to let go of guilt around who you're “supposed” to be. 40:45 Why misalignment leads to burnout. 48:00 The performance review that changed a career. 52:00 There's no “good job,” only a good job for you. 57:15 Why every role looks different, even in the same profession 01:01:30 How to take the Working Genius assessment. RESOURCES Take the Working Genius Assessment and get 20% off with code EARN Apply for the Elite Entrepreneur Mastermind HERE! Get on the waitlist for Mentor Collective Mastermind HERE! Try glōci for 40% off your first order with code HAPPY at checkout - head to getgloci.com FOLLOW Follow me: @loriharder Follow glōci: @getgloci Follow Patrick's IG: @patricklencioniofficial Follow Patrick's LinkedIn: @patrick-lencioni-orghealth

Six weeks before I recorded this episode, I woke up early with my heart pounding so hard I couldn't ignore it. The house was dark, everything was quiet, and as I lay there thinking about the medication I was on, the surgeries I'd been through, the pace I'd been keeping, this thought came to me so clearly: This is my life. No one is going to fix this for me. I am the one who has to change this. I was dealing with chronic health issues, and my body was forcing me to confront some hard truths about how I was living. That morning, I realized I couldn't keep pushing through and ignoring what my body was trying to tell me. So I did something that terrified me—I took a full month off from my podcast even though I had 40 people waiting to be guests.That was back in 2019, and I'm re-airing this episode now because I'm taking my own advice again. This time it's different—my health issues from 2019 have resolved, and I'm not in crisis mode. I'm pausing this February simply because I need space to breathe, think, and recalibrate. I'm not waiting for the summer chaos or for things to fall apart. I'm choosing rest before I need it desperately, and I want you to know that you can do the same. In this episode, you'll learn:

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

What if your biggest memory struggles have nothing to do with your intelligence and everything to do with how your brain is wired? In this mashup episode, I bring together four of the most respected minds in brain performance and human potential to break down how memory really works and how you can unlock it at a much higher level starting today. If you have ever said “I'm just bad at remembering names,” “I can't focus,” or “I don't retain what I read,” this conversation is going to change how you see yourself. You're going to hear from Jim Kwik, Dr. Caroline Leaf, Dr. Joe Dispenza, and John Assaraf as we unpack the four primary brain types and why trying to learn the same way as everyone else is holding you back. Jim Kwik explains how identifying your dominant brain type allows you to finally work with your mind instead of fighting it. Dr. Caroline Leaf dives into the science of neuroplasticity and how your thoughts and habits literally reshape your brain over time. Dr. Joe Dispenza connects memory, focus, and emotional regulation, showing how stress and identity can either enhance or hijack your ability to learn. And John Assaraf breaks down how belief systems and repetition program your subconscious to either expand or limit what your brain retains. What I love about this mashup is how practical it is. This is not theory for the sake of theory. These are real tools you can use to read faster, remember names, improve focus, make better decisions, and even communicate more effectively with the people around you. You will start to see why some people thrive in fast paced environments, why others excel at deep analysis, and why creativity, empathy, and logic all play different roles in how we store and retrieve information. I truly believe that once you understand how your brain is designed to operate, you stop labeling yourself as broken or behind. You start seeing your mind as an asset that simply needs the right operating system. This episode will help you stop forcing strategies that do not fit you and start building memory, focus, and confidence in a way that feels natural and sustainable. If you are serious about improving your performance, your learning, and your ability to show up at your best, this mashup will give you clarity and momentum. Your brain is capable of far more than you have been taught. It is time to unlock it. Key Takeaways: The four primary brain types and how each one processes information differently Why forgetting information is often a strategy problem, not an intelligence problem How stress, emotions, and identity directly impact memory and focus Practical techniques to improve retention, recall, and learning speed How to communicate and collaborate better by understanding other brain types Why aligning your learning style with your brain wiring accelerates growth ⁠⁠⁠

Friday normally brings a ripe episode of Clark Stinks but today Clark has an update for potential car buyers.  While the cost of automobiles has been soaring, Clark reveals a surprising counterpoint: a selection of reliable, more affordable vehicles. Also in the interest of affordability, travel can easily be too costly. But there's an often overlooked option that could help you save on spring break or a summer getaway. (Note: Clark Stinks will be back next week!).       Affordable Vehicles: Segment 1 Ask Clark: Segment 2 Affordable Vacations: Segment 3 Ask Clark: Segment 4 Mentioned on the show: qz: The 10 best cheap new cars, according to Consumer Reports Carscoops: Nobody Wants These 2024 Models And Dealers Are Drowning In Inventory Carvana sold its first used car in Atlanta. Now it's selling new cars. How to Buy a New Car in 5 Steps Odometer Rollback Is On The Rise National Association of State Parks - Locate a Park Is Annual Travel Insurance Worth It? Travel Insurance Checklist: 5 Types of Coverage To Consider Clark.com - Invest & Retire⁠   /   ⁠Retirement Calculator⁠ Clark.com resources: Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Kyle Grieve discusses a refreshingly different take on wealth inspired by The Five Types of Wealth by Sahil Bloom. Rather than focusing solely on money, the conversation explores a more holistic framework that includes time, relationships, health, purpose, and financial independence. IN THIS EPISODE YOU'LL LEARN: 00:00:00 - Intro 00:02:15 - Why you should reframe wealth beyond asset accumulation 00:04:33 - How wealth is built during life, not after reaching a destination 00:04:49 - The five types of wealth and how they shape a fulfilling life 00:07:02 - How defining personal identity clarifies long-term decisions 00:07:57 - Why goals and anti-goals protect success and relationships 00:10:40 - How time wealth depends on awareness, attention, and control 00:17:45 - Why relationships are the strongest predictor of happiness and health 00:36:01 - How curiosity and purpose can drive mental wealth 00:51:27 - Why physical wealth is easy to overlook 00:57:00 - How defining enough creates financial wealth Disclaimer: Slight discrepancies in the timestamps may occur due to podcast platform differences. BOOKS AND RESOURCES Join the exclusive ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠TIP Mastermind Community⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ to engage in meaningful stock investing discussions with Stig, Clay, Kyle, and the other community members. Learn how to join us in Omaha for the Berkshire meeting ⁠⁠⁠⁠⁠⁠here⁠⁠⁠⁠⁠⁠. Buy The Five Types of Wealth here. Follow Kyle on X and LinkedIn. Related ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠books⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ mentioned in the podcast. Ad-free episodes on our ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Premium Feed⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. NEW TO THE SHOW? Get smarter about valuing businesses in just a few minutes each week through our newsletter, ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Intrinsic Value Newsletter⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Check out our ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠We Study Billionaires Starter Packs⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Follow our official social media accounts: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠X (Twitter)⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ | ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠LinkedIn⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ | ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Facebook⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Browse through all our episodes (complete with transcripts) ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Try our tool for picking stock winners and managing our portfolios: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠TIP Finance Tool⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Enjoy exclusive perks from our ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠favorite Apps and Services⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Learn how to better start, manage, and grow your business with the ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠best business podcasts⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. SPONSORS Support our free podcast by supporting our ⁠⁠⁠⁠⁠⁠⁠⁠⁠sponsors⁠⁠⁠⁠⁠⁠⁠⁠⁠: HardBlock⁠ ⁠Linkedin Talent Solutions⁠ ⁠Human Rights Foundation⁠ ⁠Simple Mining⁠ ⁠Masterworks⁠ ⁠Vanta⁠ ⁠Fundrise⁠ ⁠Netsuite⁠ ⁠Shopify References to any third-party products, services, or advertisers do not constitute endorsements, and The Investors Podcast Network is not responsible for any claims made by them. Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://theinvestorspodcastnetwork.supportingcast.fm

What if “assuming best intent” is actually costing you more than it gives? In this solo episode of The Greatness Machine, Darius Mirshahzadeh challenges one of his longest held beliefs and shares a hard earned shift in perspective: stop assuming best intent and start assuming true intent. Drawing on personal experiences, maturity, and Aristotle's three types of friendships, utility, pleasure, and virtue, Darius unpacks how mislabeling relationships leads to disappointment, burnout, and misplaced loyalty. This episode is a powerful reflection on discernment, boundaries, and energy management, and a reminder that every relationship comes with a real cost. Learn how greater awareness creates better choices, stronger boundaries, and more intentional relationships, both in life and business. Episode 338: https://podcasts.apple.com/us/podcast/338-loyalty-is-a-gift/id1555334180?i=1000696743757 3 Types of Friendship: https://philosophybreak.com/articles/aristotle-on-the-3-types-of-friendship-and-how-they-enrich-life/ In this episode, Darius will discuss: (00:00) Assuming True Intent Over Best Intent (02:58) Understanding Loyalty and Its Costs (06:13) Types of Friendships According to Aristotle (09:07) Assessing Relationships: Utility, Pleasure, and Virtue (12:14) The Importance of Awareness in Relationships (15:09) Evaluating the True Expense of Relationships Connect with Darius: Website: https://therealdarius.com/ Linkedin: https://www.linkedin.com/in/dariusmirshahzadeh/ Instagram: https://www.instagram.com/imthedarius/ YouTube: https://www.youtube.com/@Thegreatnessmachine  Book: The Core Value Equation https://www.amazon.com/Core-Value-Equation-Framework-Limitless/dp/1544506708 Write a review for The Greatness Machine using this link: https://ratethispodcast.com/spreadinggreatness.  Learn more about your ad choices. Visit megaphone.fm/adchoices