Podcasts about veterans

DC Shooting, Afghan Veteran, and the Threat of Blue on Green Attacks — John Batchelor, Bill Roggio — The Washington DC tragedy, allegedly perpetrated by Afghan national Ramanula Lakenwal, is examined as a possible "blue on green" attack pattern. Lakenwal served as a veteran of the Afghan National Army Special Unit, potentially associated with CIA-backed Zero units operating covert counterterrorism missions. Roggio and Batchelor raise critical concerns regarding the vetting procedures for Afghan nationals and the potential political motivation of the attack given its proximity to the White House, suggesting possible ideological rather than criminal motivation. 1878 AFHANISTAN

SHOW 12-1 CBS EYE ON THE WORLD WITH JOHN BATCHELOR 1919 KABUL RIVER "John Batchelor 12-01 segment 1.mp3" Headline: DC Shooting, Afghan Veteran, and the Threat of Blue on Green Attacks Guest: John Batchelor, Bill Rajio. 50 Word Summary: The DC tragedy, allegedly involving Afghan national Ramanula Lakenwal, is discussed as a possible "blue on green" attack. Lakenwal was a veteran of the Afghan National Army Special Unit, potentially associated with CIA-backed Zero units. Concerns are raised about the vetting process for Afghans and the potential political motivation of the attack due to its proximity to the White House.

When your mission shifts from the battlefield to the bedside, how do you keep going? This episode features Dan Contreras from Disabled American Veterans, who opens up about the emotional realities of becoming his wife's caregiver after her cancer diagnosis and how that experience reshaped his understanding of service. Dan shares how DAV's Caregiver Support Program empowers those who carry the invisible weight of caring for a loved one, connecting them to resources, community, and hope.From learning to accept help to balancing self-care and duty, Dan's story reminds us that strength comes from knowing when to reach out. Whether you're a veteran, spouse, or friend, this conversation shines a light on the people who quietly keep others alive and the programs that stand ready to support them. Timestamps: 00:03:00 - The day Dan's life changed forever: stepping into the caregiver role 00:07:15 - The unexpected impact of that first call with a DAV Care Specialist 00:14:45 - How the Caregiver Program creates real respite and connection 00:21:15 - Redefining strength: when asking for help becomes wisdom 00:47:00 - The truth about caregiver burnout and why no one can do it alone Links & Resources Veteran Suicide & Crisis Line: Dial 988, then press 1 Website: https://dav.org DAV Caregivers Program: https://davcaregivers.org Follow DAV on Facebook: https://www.facebook.com/dav Follow DAV on Instagram: http://instagram.com/davhq Follow DAV on Twitter/X: https://x.com/davhq Follow DAV on LinkedIn: https://www.linkedin.com/company/davhq Follow DAV on YouTube: https://www.youtube.com/c/disabledamericanveterans Transcript View the transcript for this episode.

During the Civil War, the utility and widespread availability of opium and morphine made opiates essential to wartime medicine. After the war ended, thousands of ailing soldiers became addicted, or “enslaved,” as nineteenth-century Americans phrased it. Veterans, their families, and communities struggled to cope with addiction's health and social consequences. Medical and government authorities compounded veterans' suffering and imbued the epidemic with cultural meaning by branding addiction as a matter of moral weakness, unmanliness, or mental infirmity. Framing addiction as “opium slavery” limited the efficacy of care and left many veterans to suffer needlessly for decades after the war ended.  Drawing from veterans' firsthand accounts as well as mental asylum and hospital records, government and medical reports, newspaper coverage of addiction, and advertisements, in Opium Slavery: Civil War Veterans and America's First Opioid Crisis (UNC Press, 2025) Dr. Jonathan S. Jones unearths the poorly understood stories of opiate-addicted Civil War veterans in unflinching detail, illuminating the war's traumatic legacies. In doing so, Jones provides critical historical context for the modern opioid crisis, which bears tragic resemblance to that of the post–Civil War era. This interview was conducted by Dr. Miranda Melcher whose book focuses on post-conflict military integration, understanding treaty negotiation and implementation in civil war contexts, with qualitative analysis of the Angolan and Mozambican civil wars. You can find Miranda's interviews on New Books with Miranda Melcher, wherever you get your podcasts. Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://newbooksnetwork.supportingcast.fm/new-books-network

Today, I'm joined by Brad Beeler, a former Secret Service agent, behavioral interviewer, and author with more than two decades of experience navigating some of the most intense and complex human interactions imaginable.In this episode, Brad shares powerful lessons from his time in the field—how calm, curiosity, and non-judgment can make or break communication. He unpacks why the best communicators aren't always the loudest, how to use body language to build trust, and why your tone, timing, and setting matter more than you think.We also discuss his FEEL framework for connection, the art of listening without interrupting, and the importance of creating psychological safety—at work, at home, and in life.Let's dive in.Additional Resources:► Follow Communispond on LinkedIn for more communication skills tips: https://www.linkedin.com/company/communispond► Connect with Scott D'Amico on LinkedIn: https://www.linkedin.com/in/scottdamico/► Connect with Brad: https://www.linkedin.com/in/bradbeeler1865/► Learn more about Brad's work and book: https://bradleybeeler.com/► Subscribe to Communicast: https://communicast.simplecast.com/► Learn more about Communispond: https://www.communispond.com

During the Civil War, the utility and widespread availability of opium and morphine made opiates essential to wartime medicine. After the war ended, thousands of ailing soldiers became addicted, or “enslaved,” as nineteenth-century Americans phrased it. Veterans, their families, and communities struggled to cope with addiction's health and social consequences. Medical and government authorities compounded veterans' suffering and imbued the epidemic with cultural meaning by branding addiction as a matter of moral weakness, unmanliness, or mental infirmity. Framing addiction as “opium slavery” limited the efficacy of care and left many veterans to suffer needlessly for decades after the war ended.  Drawing from veterans' firsthand accounts as well as mental asylum and hospital records, government and medical reports, newspaper coverage of addiction, and advertisements, in Opium Slavery: Civil War Veterans and America's First Opioid Crisis (UNC Press, 2025) Dr. Jonathan S. Jones unearths the poorly understood stories of opiate-addicted Civil War veterans in unflinching detail, illuminating the war's traumatic legacies. In doing so, Jones provides critical historical context for the modern opioid crisis, which bears tragic resemblance to that of the post–Civil War era. This interview was conducted by Dr. Miranda Melcher whose book focuses on post-conflict military integration, understanding treaty negotiation and implementation in civil war contexts, with qualitative analysis of the Angolan and Mozambican civil wars. You can find Miranda's interviews on New Books with Miranda Melcher, wherever you get your podcasts. Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://newbooksnetwork.supportingcast.fm/military-history

Air Force veteran Cami Gage shares her journey from competing in track and cross country at the Air Force Academy to becoming a professional triathlete and coach. After her military career, Gage found deeper purpose in coaching adaptive and wounded veteran athletes, helping them overcome physical and psychological barriers through organizations like the Air Force Winter Warrior program and Semper Fi & America's Fund. In this episode, she discusses the power of breathwork, mental regulation, and the fulfillment that comes from guiding others to achieve what they never thought possible. She reflects on the importance of continuing service, mental health and gratitude — and why showing up for people matters more than ever.Also in this episode, a chat about Pearl Harbor's legacy, discussing the future of the USS Arizona, the continuing impact of service from those lost in the attack and more.

During the Civil War, the utility and widespread availability of opium and morphine made opiates essential to wartime medicine. After the war ended, thousands of ailing soldiers became addicted, or “enslaved,” as nineteenth-century Americans phrased it. Veterans, their families, and communities struggled to cope with addiction's health and social consequences. Medical and government authorities compounded veterans' suffering and imbued the epidemic with cultural meaning by branding addiction as a matter of moral weakness, unmanliness, or mental infirmity. Framing addiction as “opium slavery” limited the efficacy of care and left many veterans to suffer needlessly for decades after the war ended.  Drawing from veterans' firsthand accounts as well as mental asylum and hospital records, government and medical reports, newspaper coverage of addiction, and advertisements, in Opium Slavery: Civil War Veterans and America's First Opioid Crisis (UNC Press, 2025) Dr. Jonathan S. Jones unearths the poorly understood stories of opiate-addicted Civil War veterans in unflinching detail, illuminating the war's traumatic legacies. In doing so, Jones provides critical historical context for the modern opioid crisis, which bears tragic resemblance to that of the post–Civil War era. This interview was conducted by Dr. Miranda Melcher whose book focuses on post-conflict military integration, understanding treaty negotiation and implementation in civil war contexts, with qualitative analysis of the Angolan and Mozambican civil wars. You can find Miranda's interviews on New Books with Miranda Melcher, wherever you get your podcasts. Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://newbooksnetwork.supportingcast.fm/medicine

During the Civil War, the utility and widespread availability of opium and morphine made opiates essential to wartime medicine. After the war ended, thousands of ailing soldiers became addicted, or “enslaved,” as nineteenth-century Americans phrased it. Veterans, their families, and communities struggled to cope with addiction's health and social consequences. Medical and government authorities compounded veterans' suffering and imbued the epidemic with cultural meaning by branding addiction as a matter of moral weakness, unmanliness, or mental infirmity. Framing addiction as “opium slavery” limited the efficacy of care and left many veterans to suffer needlessly for decades after the war ended.  Drawing from veterans' firsthand accounts as well as mental asylum and hospital records, government and medical reports, newspaper coverage of addiction, and advertisements, in Opium Slavery: Civil War Veterans and America's First Opioid Crisis (UNC Press, 2025) Dr. Jonathan S. Jones unearths the poorly understood stories of opiate-addicted Civil War veterans in unflinching detail, illuminating the war's traumatic legacies. In doing so, Jones provides critical historical context for the modern opioid crisis, which bears tragic resemblance to that of the post–Civil War era. This interview was conducted by Dr. Miranda Melcher whose book focuses on post-conflict military integration, understanding treaty negotiation and implementation in civil war contexts, with qualitative analysis of the Angolan and Mozambican civil wars. You can find Miranda's interviews on New Books with Miranda Melcher, wherever you get your podcasts. Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://newbooksnetwork.supportingcast.fm/drugs-addiction-and-recovery

From taking over her family’s sauce business at 21 to building Singapore’s first hot-food vending machine café, JR Group CEO Jocelyn Chng has witnessed every phase of the F&B industry. She joins the Breakfast Show to discuss consumer shifts, automation, scalability, and how to future-proof food businesses in a landscape defined by disruption. See omnystudio.com/listener for privacy information.

Here's your Daily dose of Human Events with @JackPosobiecGo to https://www.BlackoutCoffee.com/POSO and use promo code POSO for 20% OFF your first order.Allegiance Gold helps you protect your savings and retirement with real, physical gold and silver — not paper promises. And right now, Allegiance Gold is making it even better. They'll donate 1% of qualified investments from my audience to Turning Point USA or another great America-First organization — in addition to the 1% you already qualify for. Go to https://www.protectwithposo.com or call (844) 577-POSO now. Stay ahead of what's coming and secure your privacy today. Go to https://www.SLNT.COM/POSO for 15% off and free shipping on qualified orders.Support the show

In today's episode of Backpacker Radio presented by The Trek, brought to you by LMNT, we're joined by Gabe Vasquez, known on trail as "Wing It." Gabe is a U.S. Marine Corps combat veteran, long-distance kayaker and cyclist, and the first known Mexican-American to complete the Triple Crown.  Gabe opens up about his time in the Marines and the challenges that followed- PTSD, becoming addicted to prescription meds to manage the PTSD in addition to anxiety and depression, losing friends to suicide after their service, and night terrors. In his efforts to heal, Gabe turned to adventure. He began by paddling the Mississippi with a friend, then took on a PCT thru-hike, followed by eight consecutive years of long-distance backpacking, paddling, and cycling. Gabe shares how that time in nature helped him reclaim his peace, and why he's happier today than he's ever been. Worth noting- this episode includes graphic descriptions of PTSD and suicide. If these topics are sensitive or triggering for you, please take care while listening. We wrap the show with news of a pair of fatal bear attacks near the Ozark Highlands Trail, a partially blind grandmother who thru-hiked the PCT- averaging nearly 40 miles a day in the process, the definitive etiquette around holding doors for strangers, and the triple crown of the worst phrases and expressions. LMNT: Get a free sample pack with any order at drinklmnt.com/trek. Gossamer Gear: Check out the Type II collection at gossamergear.com.  [divider] Interview with Gabe "Wing It" Vasquez Gabe's Instagram Tommy Corey's Video with Gabe Semper Fi Fundraiser Time stamps & Questions 00:05:20 - Reminders: Apply to blog for the Trek, subscribe to our Youtube channel, and listen to our episodes ad-free on Patreon! 00:12:45 - Introducing Gabe 00:16:10 - What was it like to join the Marines? 00:22:45 - What was your specific job like in the Marines? 00:23:30 - Tell us about your deployments 00:29:20 - What was the vibe like in that sort of environment? 00:33:37 - Did you know you were actively pushing things down at the time? 00:35:06 - What was the comedown like when returning from a deployment? 00:36:40 - At what point did you seek professional help? 00:38:30 - How did the PTSD show up for you? 00:42:35 - How did you know you needed to get off the meds? 00:49:30 - How did you transition from experiencing these symptoms to advocating for others? 00:56:04 - How did you decide to kayak the Mississippi River? 00:59:20 - Did you feel a sense of accomplishment after the kayak trip? 01:09:20 - Did you go into the PCT excited to hike it? 01:13:20 - At what point did being in nature start to click for you? 01:14:45 - Knowing what you know now, would you still have joined the Marines? 01:17:22 - At what point did the nightmares subside or improve? 01:20:00 - Have you met other veterans on trail? 01:22:40 - Do you have a lot of people reaching out to you? 01:25:00 - Is the period between adventures extra tough for you? 01:26:30 - Are you trying to do all Seven Summits? 01:27:55 - Was it weird with the PCT being so white? 01:36:15 - Do you have favorite summit music? 01:37:26 - What are some of your favorite trail angel stories? 01:40:00 - What's a typical MRE meal like? 01:41:30 - What drew you to the bike after the PCT? 01:46:30 - What are the pros and cons of long distance cycling over thru-hiking? 01:50:50 - Fuck Marry Kill: cycling, paddling, and hiking 01:54:10 - What did it feel like to complete the Triple Crown? 01:58:00 - Discussion about LNT 01:59:20 - What other hot takes do you have? 02:05:20 - What other gear do you like? 02:10:16 - Tell us about almost getting arrested in Egypt 02:19:05 - Do you worry that drugs could trigger PTSD? 02:26:00 - What's your favorite trail or trail story? 02:28:35 - Do unrealistic war movies bother you? 02:30:55 - Stay Salty Question: What's one piece of advice you'd like to give? Segments Trek Propaganda 2 Fatal Bear Attacks in Past 6 Weeks Near Ozark Highlands Trail in Arkansas by JT Simmons Partially Blind Grandmother Thru-Hikes PCT in Under 70 Days by Katie Jackson QOTD: What's the proper distance to hold a door for someone? Triple Crown of the worst expressions/phrases Mail Bag [divider] Check out our sound guy @my_boy_pauly/ and his coffee. Sign up for the Trek's newsletter Leave us a voicemail! Subscribe to this podcast on iTunes (and please leave us a review)!  Find us on Spotify, Stitcher, and Google Play. Support us on Patreon to get bonus content. Advertise on Backpacker Radio Follow The Trek, Chaunce, Badger, and Trail Correspondents on Instagram. Follow Backpacker Radio, The Trek and Chaunce on YouTube. Follow Backpacker Radio on Tik Tok.  Our theme song is Walking Slow by Animal Years. A super big thank you to our Chuck Norris Award winner(s) from Patreon: Alex and Misty with NavigatorsCrafting, Alex Kindle, Andrew, Austen McDaniel, Bill Jensen, Brad & Blair Thirteen Adventures, Bret Mullins aka Cruizy, Bryan Alsop, Carl Lobstah Houde, Christopher Marshburn, Clint Sitler, Coach from Marion Outdoors, Eric Casper, Erik Hofmann, Ethan Harwell, Gillian Daniels, Greg Knight, Greg Martin, Griffin Haywood, Hailey Buckingham, Jason Kiser, Krystyn Bell, Matt from Gilbert, AZ, Patrick Cianciolo, Randy Sutherland, Rebecca Brave, Rural Juror, Sawyer Products, SPAM, The Saint Louis Shaman, Timothy Hahn, Tracy 'Trigger' Fawns A big thank you to our Cinnamon Connection Champions from Patreon: Bells, Benjy Lowry, Bonnie Ackerman, Brett Vandiver, Chris Pyle, David, David Neal, Dcnerdlet, Denise Krekeler, Jack Greene, Jeanie, Jeanne Latshaw, Luke Netjes, Merle Watkins, Peter, Quenten Jones, Ruth S, Salt Stain, and Spencer Hinson.

Keith discusses seven ways to get a lower mortgage rate, emphasizing the historical impact of the 1940s GI Bill on homeownership and wealth creation.  Caeli Ridge, founder of Ridge Lending Group, digs into smart tactics like adjustable rate mortgages, DSCR loans, and down payment options, plus insider tips on boosting your creditworthiness, timing your rate lock, and planning ahead so you can maximize your returns.  They also explore trends like 50-year mortgages and portable mortgages, and the benefits of FHA and VA loans for first-time buyers.  Resources: Want expert guidance on your next real estate investment or mortgage? Reach out to Ridge Lending Group for personalized support and a full range of loan options—whether you're a first-time buyer or seasoned investor. Visit ridgelendinggroup.com or call 855-74-RIDGE to take your next step! Episode Page: GetRichEducation.com/582 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 or text 'GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Keith Weinhold  0:01   Welcome to GRE. I'm your host. Keith Weinhold, seven ways you can get a lower mortgage interest rate. We'll break them down loan types available to you that you never heard of, and learn how the 1940s GI Bill shaped the mortgage that you get today on get rich education   Speaker 1  0:22   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 of 188 world nations. He has a list show guests include top selling personal finance author Robert Kiyosaki. Get rich education can be heard on every podcast platform, plus it has its own dedicated Apple and Android listener phone apps build wealth on the go with the get rich education podcast. Sign up now for the get rich education podcast, or visit get rich education.com   Corey Coates  1:07   You're listening to the show that has created more financial freedom than nearly any show in the world. This is get rich education. You Keith,   Keith Weinhold  1:23   welcome to GRE from the Romanian Black Sea to the Egyptian Red Sea and across 188 nations worldwide. I'm Keith Weinhold, and this is the indefatigable get rich education before we discuss the seven ways that you can get a lower mortgage rate and more in the 1940s before my dad was born, the GI Bill gave veterans returning from World War Two access to cheap home loans, and that single policy decision might have done more to shape the modern American Housing landscape than Anything else in the last 100 years. Think about it, millions of young men, almost kids, really had just spent the better part of their early adulthood in Europe or the Pacific. They came home, married their sweethearts, started families, and suddenly America had this booming demand for housing, but demand alone doesn't build homes. You also need money. You need access to credit, and that's where the GI Bill stepped in. It didn't just thank returning service members for their sacrifice. It handed them something way more powerful, the ability to buy a home with little money down a low interest rate and underwriting standards that would frankly look like a fantasy today, that access to credit sparked one of the biggest housing booms in American history. You had these entire suburbs that sprang up overnight, Levittown in New York, Lakewood in California. These were master planned communities, and they really became a blueprint for Post War America. We had the booming 50s, and this had a lot to do with it. Here's the part that most people don't understand. This wasn't just about housing. This was about wealth creation, because for better or worse, home ownership has been the primary wealth building vehicle for the American middle class these past 100 years, when you give millions of people a subsidized path into property ownership, you're not just giving them a roof. You're giving them equity appreciation, leverage, tax benefits. You're giving them the engine, this flywheel that spins up generational wealth in a lot of ways. The GI Bill is the earliest institutional example of what I at least tell you here on the show, real estate pays five ways. Now they didn't call it that in 1947 but that's exactly what it was. Veterans earned appreciation as suburbs grew. They had amortization working for them, they collected tax advantages. Inflation slowly eroded their fixed rate mortgage balances too. And here's the thing, these weren't even speculative investments. They were homes that they lived in. Now, of course, the GI bill wasn't perfect. It expanded opportunity for millions of people, but it excluded a lot of people too. Lenders and local governments often blocked black veterans and other minorities from accessing the same benefits. That's a whole story unto itself, but the takeaway for today is, when you combine demographic momentum with favorable financing, you can remake a nation, and that's why housing policy still matters today, which we'll get. Two shortly, when you change access to credit or just tweak it, you change the trajectory of families and markets for generations, and the GI Bill proved that. So when we talk about interest rates, affordability, supply shortages, or any of the high frequency housing data that we cover here, remember that the stories aren't just about numbers. They really are about people. They're about giving ordinary Americans the chance to build wealth the same way that those World War Two veterans did through ownership, stability and the quiet compound leverage, not compound interest. Compound leverage that real estate delivers over time.    Keith Weinhold  5:49   I'm bringing you today's show from, I suppose, a somewhat exotic location. I am inside Caesar's Palace, which is right near the very middle of the famed Las Vegas Strip, that's where I'm at. The hotel staff is always accommodative of the show setup. This might seem a little strange to you, because I'm not a gambler. The reason I'm here is that my brother lives 25 minutes away, and I've been with him during Thanksgiving. Next week, I'll bring you the show from Buffalo, New York, and then two weeks from now, I have something heart warming to tell you about that, and it is a real estate story. I'll be broadcasting the show from upstate Pennsylvania. I'll be there to visit my parents. My brother's also coming in from Nevada to be there. That's where the four of us, mom, dad, my brother and I will sit around the same dining room table in the same kitchen of the same home that my parents have lived in since the 1970s nothing has changed, and all four of us know our spots at the table. And actually, it's not even called the dining room table. It is the supper table, as my parents call it so, from flashy Caesar's Palace today to Buffalo and then to Appalachian simplicity in Pennsylvania, the stability and continuity of my parents living in the same home and four wine holds sitting around the table during the holidays, it is so rare. I imagine less than one or 2% of people can do this. I'm just profoundly grateful and proud of Kurt and Penny Weinhold for being the best, most stable parents I could have asked for. It's almost too much to ask, and if you don't have that in your life. Ah, you can do something about that. You can provide the same decency and stability for your children.    Keith Weinhold  7:50   Let's talk about seven proven ways you can get a lower mortgage rate with this week's terrific guest. Though, we'll focus on investment properties. A lot of this applies to primary residences as well.   Keith Weinhold  8:07   We are joined by the founder of the lender that's created more financial freedom for real estate investors than any other mortgage originator in the nation, the eponymous Ridge lending group. And though that sounds impressive, my gosh, she didn't even need that introduction for you the listener, because she's one of the most recurrent guests in show history. Welcome back to GRE Caeli Ridge,   Caeli Ridge  8:30   I am delighted to be here as always, Keith, thank you for your support and acknowledgement. I love what you do, and I'm hoping that I can bring more value today to your listeners in what it is that we do, educating the masses, right?   Keith Weinhold  8:42   You've been doing that here for about 10 years. And yes, we're talking about a woman with a reputation for writing emails in all caps, yet still maintains a great relationship with everybody. I mean, congrats, shaile. I couldn't possibly pull that off myself.   Caeli Ridge  8:58   Thank you, Keith. And you know, I'm going to stay by my all caps, man, it's a speed thing. It all boils down to the number of seconds in the day that I can just move quickly through an email. Yeah, I love my all caps.   Keith Weinhold  9:09   Apparently recipients are still replying, well, you can get a lower mortgage rate in at least seven ways. You can get an adjustable rate mortgage, do a midweek lock in, negotiate seller credits. Have a high credit score. Do a two one buy now, which is kind of old school, but some home builders are using it boost your DTI or buy now, not later. Those are some of the strategies for lowering your mortgage rate. What are your thoughts with regard to that?   Caeli Ridge  9:39   I think all of those are viable. I would just say on the adjust for a mortgage. The pushback I would give there is, is that for residential property, specifically, single family, up to four units, we are not finding that spread between the arm and a 30 year fix. We've been the industry as a whole, secondary specifically been on the inverted yield. Now this gets a little tough. Nickel, and I won't go down that rabbit hole, but 08, 09, the housing and lending crash created an environment within secondary markets where an inverted yield has made a 30 year fixed mortgage more favorable in the rate department. Now that's not always going to be the case. I am a huge fan of the adjustable, but what would work right now is an adjustable with the all in one not to take too much time on that topic, but that would be an adjust rate mortgage that I think would save interest or reduce the rate of which interest is accruing,   Keith Weinhold  10:30   the all in one loan, which we discussed extensively back at the beginning of this year here on the show. Long term, though, I have seen adjustable rate mortgages work for a lot of people, because really, the compelling proposition of the arm is that it guarantees that you get a lower rate in the near term, and yet there's only a chance that you're going to have a higher rate in the long term   Caeli Ridge  10:53   and further. Let's I mean, let's dissect that a little bit. I am a huge proponent. I love an adjustable rate mortgage when the arm is pricing a half or a full percentage point plus over a fixed especially for non owner occupied and the reason for that is, and this is statistically speaking, feel free to look this up, guys, the average shelf life of a mortgage for an investment property is about five years. Great point, right? And we know that if that's the case, right, we're refinancing to harvest equity. We're refinancing maybe to reduce an interest rate from where the market was before, et cetera, et cetera. So that would be the first thing I would say. And then also remember, you guys the first 10 years of an amortized mortgage, 30 year fixed, amortized mortgage, how much of that payment is going to the principal? Because people will often push back by saying, well, either an interest only, or an adjustable and what happens if it changes or it goes up? Most of your payment is going to the interest anyway, and that reset to harvest equity. Borrowed funds are non taxable. We always say that, right? I think it's fully justified. So I love an arm, I just don't know, in comparison to a 30 year fixed today, like a five year ARM versus a 30 year fixed we are in a place that it makes sense, but normally, to your point, absolutely. Fan   Keith Weinhold  12:06   that spread needs to widen for the arm to make more sense. What about doing a mid week rate lock in? Is that a thing?    Caeli Ridge  12:13   Yeah. And you know, I don't have any empirical evidence here. Okay, I don't have any data points that actually prove this, except for 25 years in the business and locking loans every day of my life. There's something about a Monday and a Friday. And I have some conspiracy theories. I don't know that. I it's necessary to share them here, but midweek locks tend to be more favorable in both points and interest rate than you'll find on a Friday and a Monday. I think largely it has to do with, you know, the stock exchanges shutting down for the weekend, right? You got a Friday, you got two days in between. You got foreign markets, and all the things that can explode and happen during that amount of time. So I think they hedge a little bit. So on Friday, going into the weekend, I think that there's something about that and why interest rates are a little less favorable. And then Monday, of course, coming off the weekend, similarly, maybe there's some truth to that too.   Keith Weinhold  13:02   Now, negotiating seller credits has really been a trend to help with affordability. Tell us about specifically what you're seeing there, what's common.   Caeli Ridge  13:11   So we're talking to investors. I can tell you that the loan products you guys are going to have access to are going to cap you, okay, you're going to cap at, per guideline, 2% of the purchase price. Okay, remember that your points that you're paying when you get into locking an interest rate are going to be calculated on the loan size, all right. So the first thing to know is seller paid closing costs, maximum is going to be 2% per underwriting guidelines. That 2% is based on your purchase price. Anything that you're paying points for is going to be on the loan balance, the loan size, so there's going to be a little extra there for you that can contribute or can pay for some other closing costs, right, depending on the numbers. Now, if you're smart enough, or lucky enough, or whatever, the market is viable enough that you can negotiate more than 2% from the seller to pay towards closing costs, you're going to be limited on what you can do on the loan side. But let's say that you go and you've negotiated 4% seller will pay 4% towards your closing costs. Then in that case, you can reduce, you got the two points that you're allowed per guideline. And then you can reduce the purchase price by the difference you don't want to leave that money on the table.   Keith Weinhold  14:15   That's how it's done. And then there's just simply having a higher credit score. What's the highest credit score that really helps you get the lowest mortgage rate for both primary residences and non owner occupied properties. Loan product   Caeli Ridge  14:29   type dependent. But I would say overall, 760 and above is kind of that threshold. There are products that go 780 maybe even on the rare occasion, 800 and above. If I had to pick a number as the absolute pinnacle, I'm going to go 780    Keith Weinhold  14:41   All right, so having a credit score above those thresholds really doesn't help get you a lower interest rate. It's really just a little flex that you've got an 811, credit score, or whatever it is. Now the two, one buy down. That's something that we used to see long ago. A few home builders are bringing it back. And what that does it allow? Homebuyers to pay a lower interest rate for the first two years with the seller covering the difference, and that allows the seller to get their price. They don't have to lower the price of the home at all. But the two one buy down, and you see that written, two, one that has been employed more recently. Tell us about that.    Caeli Ridge  15:18   Well, the builders are struggling in some cases, right? The affordability buzzword is all over the place. So they've had to get creative and find ways in which they can move their inventory. So I think they've done a good job at kind of shaving off some of their margins to satisfy or improve the terms for the consumer. So I like the two. One, if you can get it   Keith Weinhold  15:37   now, one can boost their DTI as well their debt to income ratio and Taylor. When we've talked about that before, we've usually talked about reducing your debts in order to improve your DTI. However, a lot of people don't think about the fact that, oh, well, you can increase your income that lowers your DTI to help you qualify. So tell us what is the max DTI that you can have   Caeli Ridge  16:00   maximum debt to income ratio, in most cases on a full dock loan is going to be 50% now, depending on the type of income that you earn or that you've demonstrated, how you calculate that can get a little bit tricky. But if you're just a straight w2 wage earner, we don't have, you know, commissions or bonuses or anything that we consider variable income, then you just take your gross income times 50% whatever that number is, all of your liabilities on the credit report, we do not count ordinary living expenses like food and gas and utilities and cell phone bills. It's the minimum payments on the credit report. As long as whatever that add up is fits within that 50% you're good to go.    Keith Weinhold  16:37   Now, when it comes to improving our DTI to get a lower mortgage rate, I tend to think it's easier to knock out some debts to improve your DTI. But what about the other side of it? What about increasing your income to improve your DTI, lower your mortgage rate and qualify? Can you talk about some of the strategies for increasing your income with respect to DTI?    Caeli Ridge  17:02   Absolutely. And the biggest one, I think that we probably want to focus on most is going to be on a schedule E, right? That's the one that you're going to have more control over. So when we talk about rental income and how we might be able to boost that first, it might be important to share that there are two ways in underwriting that we will calculate or quantify rental income. The first way is called the acquisition year formula. I'll give you that in just a second. It's very easy, but the way I think we focus on here, because acquisition year is going to be what it is, you're going to have very little ability to manipulate or change that once our rental properties fall on our tax return, specifically the Schedule E of a federal tax return, you as the taxpayer or the borrower are going to have some access to maximize or increase the income, or, let's actually get a little bit more granular there to maximize the gain or minimize the loss, by means of depreciation, maybe a cost seg, maybe we make sure that one time, extraordinary expenses are demonstrated on the tax return in the appropriate way so that underwriting can add those things back. So I know that this sounds technical, but the scheduling is the way that I would say is the easiest for an investor to maximize income, reduce debt to income ratio. And I will close by saying that ridge lending, I think one of our most valued value adds is the ability to help our clients look at their draft tax returns on an annual basis and present them with, Hey, listen, Mr. Jones, if you file this way, this draft tax return, if it files this way, this is what it means to your debt to income ratio. Here's my advice, right? We go into a lot of depth there with our clients.   Keith Weinhold  18:39   That is a smart, long term planning piece that most mortgage companies are not going to give you. They're not going to be forward looking, looking out for your next three years of growing your income property portfolio. And shortly, we'll talk about a way for you to qualify loans where you don't have to show tax returns or W twos or pay stubs. But while we're talking about how to get a lower mortgage rate and some creative ways to do that, I brought up, buy now, not later. And what do I mean by that? What I mean is say, properties appreciate even 3% over time. Buying now, I mean that is going to net you more equity if you buy now rather than waiting, than it would in the savings from a rate drop, when you look at the appreciation run up, however, if rates go up, then you get both the lower price and the lower rate by buying now, not later.   Caeli Ridge  19:32   And I would add to that, we have to remember that in addition to a very modest 3% in the home appreciation, we should be appreciating our rents at even a modest 2% a year, right? Depending on where you are, et cetera. I know that there's exceptions to the rule. And then finally, we got to add in that tax benefit, what you're going to get in your deductions, et cetera, et cetera.   Keith Weinhold  19:51   Yeah, great point. Well, I brought up seven ways that you can get a lower mortgage rate. Can you share a few more with us? Some common ones? Because I know. That almost everyone that calls in there wants to inquire about mortgage rate as well.    Caeli Ridge  20:03   Everybody wants, yep, everybody wants to talk about the rate, despite my vervet opposition to say, do the math. Do the math. Do the math. You know, the easiest one there would be buying down the rate. I'm going to try and formulate an example. Let's say you've got a really high wage earner and in the thick of their earning years, and they're trying to prepare for retirement down the road. It's a longer term burn. They desperately need tax deductions, and the deal that they're looking at, yeah, it's okay, but they want some extra expenses on the Schedule E, maybe they buy the rate down by three even 4% because points on an investment loan transaction are tax deductible, so that might be something, and they obviously benefit from the lower interest rate. Now I may push back on this, and I think again, I know I sound like a broken record here, but we really need to do the math. What are we getting versus what are we giving up to get a 6% or five and a half percent interest rate? What does that mean in real, tangible cost, and what's that? Break even? It's actually a fairly simple calculation. When you just divide the difference in what you're getting versus what you're paying for, and that'll give you the number of months that it takes to recapture the incentive versus the expense. But that would be the easiest one. Keith, I would say buying down points, using paying additional points to get that lower interest rate,   Keith Weinhold  21:20   buying down your rate. It could feel good in the short term, but it's often not the best long term or even intermediate term move when you do the math, as you always like to say, well, you the listener here, you know that you can qualify for mortgage loans, for rental properties without needing a w2 without needing a pay stub and without even needing to show tax returns, because you need all those things for a conventional loan, but for a DSCR loan, debt service coverage ratio, you don't. So talk to us about the pros and cons of a DSCR loan versus a conventional   Caeli Ridge  21:53   loan. Okay? And I've got a hook here too, because I think the listeners are gonna be very, very pleased to hear at the end of this statement, what's happening with DSCR in conjunction or comparison, rather to the conventional so DSCR everybody means debt service, coverage ratio. It's a very simple formula. We are going to take the gross rents and divide it by the principal and interest and taxes and insurance and association. If it applies, that's it.   Keith Weinhold  22:18   $1,000 in gross rents, $800 in p i, t i, that yields a DSCR of 1.25 Correct?   Caeli Ridge  22:25   Yes, you're absolutely right. The one that I use as I, just to keep it simple, is 1000 rents, 1000 piti. That's a 1.0 right? As long as the gross rents are equal or greater than the p i, t i, you're going to be in a position to get the more favorable rates. Now that's not to say that we can't go below a 1.0 ratio. You can actually have a property, we have products that will allow the DSCR to be a point seven five. That would mean, in this scenario, if you had rents, gross rents of 750, and the piti was 1000 you can actually get that loan done. That is allowed. The rate gets a little bit hairy. So more often than not, we're at the 1.0 and above. So this is just a really great way for investors who are either recently self employed, maybe they're adjusted gross, they just write everything off for reasons that you can imagine. Why? Right? They don't want to pay the taxes. It could be 100 different reasons. The DSCR option is such a great solution to provide a 30 year fixed mortgage same same similar leverage, if not sometimes even better than a Fannie Freddie, than a conventional loan, you can usually leverage a little bit more, in some cases, on a DSCR like a two to four, for example, two to four unit residential property, Fannie Freddie, they kind of cut those loan to values a little bit, and the DSCR loans don't care about that. So you can get the same leverage as a single family would in a DSCR. The only other primary difference is these DSCR loans are going to come with prepayment penalties. Typically, the standard is about three years, but we're usually not refinancing in the first 36 months. Anyway, if you know that that's applicable to you, then you'd have to buy the prepay down or out, which you can do otherwise. DSCR is amazing. Oh, and I'll give you the little hook here. So something I have observed this is maybe very recent 4550 ish days, the margin for interest rate difference between conventional and DSCR is really starting to narrow. DSCR products are really performing well, and that interest rate improvements that we've been seeing for those products is not far off from what the Fannie Freddie's are, and I've even seen examples where DSCR beats a 30 year fixed Fannie Freddie rate. Now those are for the higher loan amounts. I can explain if you want, but otherwise, that's good news.   Keith Weinhold  24:36   Okay, this is really good news. It's a time in the cycle where dscrs could very well make sense for you without that huge documentation Shakedown that you need with W twos and pay stubs and everything else. There are a lot of nascent trends in the mortgage industry, and we're trying to separate some of them from being rumors, from being something that can truly happen. We're talking about 50 year mortgages and poor. Affordable mortgages. More on that. When we come back, you're listening to get rich education. Our guest is Ridge lending Group President, Chaley Ridge   Keith Weinhold  25:07   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 send a text now it's 1-937-795-8989, yep, text their freedom. Coach, directly, again. 1-937-795-8989,   Keith Weinhold  26:18   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 Chaley Ridge personally, while it's on your mind, start at Ridge lending group.com, that's Ridge lending group.com   Dana Dunford  26:50   this is hemlanes co founder, Dana Dunford. Listen to get rich education with Keith Weinhold, and don't quit your Daydream.    Keith Weinhold  26:58   welcome back to get rich education. We're talking with Ridge lending Group President and Founder, Chaley Ridge about how you can get lower mortgage rates, and also about some trends in the industry, separating what's really a rumor in what could really happen squaring on 50 year mortgages and portable mortgages, those are both things only being discussed by the administration to help with affordability. FHFA Director Bill Pulte created some jarring news recently when he publicized this. What are your thoughts on the 50 year mortgage?    Caeli Ridge  27:39   You know, on a primary residence basis, I'm not so sure I need to maybe put some more thought into that. But for an investment property, I love it. Man, anything to keep that payment down so that, because, remember, we talked about earlier in the show here the percentage of mortgages, let's just use our 30 year fixed for a second that for a rental property that start on day one and then stroke a check 360 times later to pay that to zero. Is a fraction of a percent right? We are refinancing these things. We are selling them and doing 1031 exchanges. So anything that can keep my cash flow higher and my payment lower, I am all for it. Now, the people that push back and say, Well, I want to pay off my mortgage in 15 years. I don't want to pay extra interest, you are welcome to do that. So there's a second piece to this that I think is equally as important as maximizing cash flow, and that is your qualification. All right, if this comes to pass, and right now, it could just be noise, okay, and I'm speaking specifically for investment property, but if this is available to us, the debt to income ratio component, because think about it like this. So I'm going to keep using my 15 year and my 30 year, because that's kind of what we understand. The payment difference between a 30 year 360 month and a 15 year 180 month can be substantial depending on the loan size. I mean, it can be hundreds and hundreds of dollars for the individual that is dead set and say, I don't want to pay the higher interest. I want to pay these things off. We may have arguments about that whole strategy to begin with, but overall, if they still want to do that and that's their decision, Fine, take the 30 year fixed payment. Take the 30 year fixed mortgage. Apply the difference. You can figure out that payment difference very easily. Apply it religiously. Every month. You will cross the finish line in about 15.4 years. Download an amortization calculator online. You can find them everywhere. Plug in your numbers, and you'll see what I'm talking about. If you were to do this, let's say the difference is 200 bucks a month, and you send it in every month with your 30 year fixed mortgage payment, you will cross the finish line to pay that thing off in about 15.4 years. So yes, you'll pay a few extra months of interest. But what have you done to your qualifications, right, your payment now on your debt to income ratio, when we're looking at this thing for a future optimization, never take the shorter term amortization, ever, ever, ever, you won't pay the higher interest that the 30 year or the 50 Year will probably come with because you've accelerated the payoff so long, if that's your choice. Now for everybody else that really wants. To maximize that cash flow. And they get that, they're going to be refinancing this every five, six, whatever it is, years take it, man, I am all for the longer term amortization on a rental.   Keith Weinhold  30:10   I agree with you. I even like the 50 year on a primary residence, but yeah, Chaley, right here on the show, several weeks before Bill Pulte made the announcement, I actually talked about the 50 year mortgage and compared it to the 30 and the reasons that I like it because I knew there was a chance it could be coming, since this administration is trying to do so much to help out with affordability, people buy based on a payment, not a price that lowers the payment. A 50 year mortgage helps you benefit from inflation, and there are a lot of other advantages that have to do with that, although you probably are going to pay a higher interest rate on a 50 than you would a 30. And you know, Chaley, when the 30 year mortgage had its Advent just after World War Two, I'm going to guess 75 years ago, people were having this same conversation like, oh, 30 years, my gosh, you're never going to pay off the home. And really, that's not what it's about.    Caeli Ridge  31:01   Not at all, not at all. And remember, you guys, I would encourage everybody listening to this to actually go get that amortization table and see how much interest is baked in and how it is applied and paid. It is the back end of any of these amortized mortgages where the principal actually starts to get applied in a meaningful way. The 50 year mortgage, or the longer term amortization is a huge advantage. I'm speaking for investors. Mostly. I love it.   Keith Weinhold  31:26   Some people say, are you nuts? Look at how much more interest you're paying over the life of the loan on a 50 year mortgage versus a 30 year mortgage. We already touched on that you're not going to keep that loan for the life of it, and if you just take the difference from the lower payment that a 50 Year gives you, and invest that in 8% return, you are going to crush 2x to 3x oftentimes, what the paltry interest savings are over several decades,    Caeli Ridge  31:26   and somebody else is making that payment right. We have tenants that are responsible   Keith Weinhold  31:47    100% and then there's something that I don't know if portable mortgages would fly. And what this means is that when borrowers move, they could keep the rate, keep their term and keep their lender, presumably for the new home you might have seen it in the news. You the listener that Fannie May remove the minimum credit score requirements from desktop underwriting. And Chaley, I think you let me know elsewhere that those changes don't affect non owner occupied, but of course, it could affect the broader housing market in pricing. What are your thoughts about lowering the credit score requirement   Caeli Ridge  32:28   so similar to the portable stuff, until it really reaches mainstream and it affects the non owner occupied I'm not deep diving into those things. The basis of it, though, is, is that, yeah, they're removing that minimum credit score requirement from a du underwrite that stands for desktop underwriter, as you said, that is Fannie Mae's sophisticated, automated underwriting system, and I think it's just going to give more eligibility to lower income households and people trying to become homeowners that have found the barrier for entry very restrictive because They have credit issues.    Keith Weinhold  33:00   Well, let's talk about FHA and VA loans, something that we have rarely, if ever touched on. Our listeners know that I started out making my first ever property of any kind, an FHA loan with three and a half percent down on a fourplex, living in one unit, renting out the other three. Tell us about some trends there in FHA and VA loans   Caeli Ridge  33:21   we actually just did house hack campaign. We did a webinar on it, co living, all those different ways in which, you know, the younger generation, especially, and this is true for anyone. I don't want to pigeonhole it, can get themselves into home ownership and propel them into the real estate investing as an asset class. I am such a big fan of this model, in this strategy, for anybody that's interested and willing to kind of coal mingle or habitat, like you did a four Plex at three and a half percent down, you've got three tenants that are making your mortgage payment. VA, likewise, any of the Gubby loans, which include VA, FHA, USDA, you can get high, high leverage and up to four units. So I'm a huge fan of that. And then the CO living is another thing that I think is not quite mainstream, but I think it's gaining steam    Keith Weinhold  34:09   for those that don't know what we're talking about, you can use an FHA loan with a three and a half percent down payment, as long as you live in one of the units, your credit score can even be pretty low, and you can do that with a single family home, duplex, triplex or fourplex. You can get those same benefits with a VA loan and zero down   Caeli Ridge  34:29   USDA also zero down if you're in the right zip code. How does one qualify for a USDA loan? You know, there's a website I would have you check out. We don't do a ton of those. We have the ability, of course, but there's income restrictions and all of this. They've got, actually, a pretty slick website where you can go online, type in the zip code, make sure it's in a rural area, what your income is. There's all these inputs, and it'll tell you if you'd be a candidate for it. But yeah, it's good. Rates zero down. I like the product.   Keith Weinhold  34:56   Well, there have been a lot of newsy items when it comes. Comes to mortgages. Caeli and I think we should drop back before we're done here and talk about the basics. Just basically, what does it take to get a non owner occupied loan for residential income property?   Caeli Ridge  35:12   You know, there's so many options for investors today that I would say that if you have access to and even with what we just said, house hack. I mean, listen, if you've got 3% down, three and a half percent down, you can probably assure yourself you can get into a property. And if you can't qualify from a income debt to income ratio perspective, you've got three or four other models, which include DSCR, bank statement loans, asset depletion loans, overall, I would say that this is an individual conversation. Chances are you could probably qualify today, and if you can't, one of the things that I love about Ridge lending is, is that we're going to help you plant the seeds and show you how to qualify. If it takes you three months or six months or a year, that's what we do.   Keith Weinhold  35:56   Yeah, we've definitely noticed the difference here and that you do help that investor with long term planning? I do my own loans at ridge, and my assistant here at GRE she recently got the ball rolling with you in there at Ridge as well.   Caeli Ridge  36:11   Brenda, yes, yes, that was fantastic. We are very looking forward to helping her.   Keith Weinhold  36:16   Well, you know, chili, I've come here with a lot of questions that I had. What's the question No one's asking you, but you wish that they would.   Caeli Ridge  36:25   I think it probably would be for me, planning. You know, we get a lot of questions about interest rates. That's kind of top of mind for everybody. More about planning, having people that are interested in real estate as an asset class and an investment have the conversations to say, this is where I'm at today. This is where I'd like to be in five years. Tell me how to get there, and we can have those high level conversations that really sort of reverse engineer it and say, Okay, this is where you stand today from an underwriting perspective. This is where you need to be, and here's how we're going to get you there. It's always about planting seeds and creating those roadmaps, as I like to say so I would say that that would be top of my list.   Keith Weinhold  37:02   That's exactly what you do in there, and that's really what sets you apart. Well, remind our audience how they can get a hold of ridge.   Caeli Ridge  37:11   Yes, there's a couple ways. Of course, our website, Ridge lending group.com Please email us info at Ridge lending group.com and then call us toll free. 855-747-4343, 855-74-RIDGE  is an easy way to remember.   Keith Weinhold  37:25   It's really been valuable this time. Chaley, thanks so much for coming back onto the show.   Caeli Ridge  37:29    Appreciate you. Keith.   Keith Weinhold  37:36   Oh yeah, good pointed info from Chaley over at Ridge, I think that the important things for you to remember from our conversation is that, gosh, isn't it so glaring like in your face that you have options. All these options when you engage with a lender, you're going to learn that there are probably loan programs that you've never even heard of, some that you might fit into and even if you aren't adding more property, if you're not in that phase, there are ways that you can take your existing loans and consolidate them or refinance them, or use them to produce a tax free windfall for yourself and the US is often the envy of other world nations with the flexibility that we have here in our mortgage market. I've never known anyone that does this better than Chaley and her team. I mean, they are real difference makers. If you learn something on today's show, hey, Don't hoard the good stuff. Engage in the nicest kind of wealth redistribution. Tap the Share button right now and share this on social, or text this episode to one friend who'd appreciate it. That would mean the world to me. I'm your host. Keith Weinhold, don't quit your Daydream.   Speaker 2  38:57   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  39:25   The preceding program was brought to you by your home for wealth building, getricheducation.com  

Join The MisFitNation as host Rich LaMonica welcomes US Army Veteran Lori McVicar-Peltan — MP pioneer, private investigator, actress, comedian, and the definition of grit. Lori's journey is unlike any other. She served in the first group of women to go coed at Fort McClellan in 1978, trained as the first female Military Police boxer, and served on the streets of Frankfurt. After the military, she became the first female to start her own PI firm in Buffalo, NY, earned top investigative honors at AIG, and now continues her mission as a grandmother of 11, actress in the film Lucy and the Lake Monster, presenter at the VETTYS, and graduate of a comedy writing program. In this episode, we dive into trailblazing military history, resilience, humor, survival, and the courage to keep reinventing yourself through every season of life.

Veterans and First Responders, civilian transition can be an identity crisis. Jiu Jitsu helped her find her purpose.In Episode 224 of the Transition Drill Podcast, what happens when you've already lived out your dream career but are forced to walk away from it. For many first responders and military members, transition is not a clean break, it's an identity crisis. In this episode, former San Diego Police Officer Kristi Miedecke opens up about the hardest fight she ever faced. It didn't happen in uniform, it happened at home.Kristi grew up in a law enforcement family, earned her badge with grit, and loved the job. But when she became a mother while married to another cop, the math stopped working. Two young kids, opposite shifts, no real sleep, and a quiet question started chasing her. Can you be fully present for your family and still be fully committed to the badge. Kristi made the choice to leave the department, but she didn't expect the silence that followed. No radio traffic, no partners, no roll calls, and no identity. That silence led to postpartum depression, anxiety, isolation, and the painful admission that she felt like she didn't know who she was anymore.What followed is powerful. Therapy. Grad school. Discovery of jiu jitsu as a form of grounding and healing. The creation of Gates to Healing, an equine therapy program built for first responders and military veterans fighting trauma, anxiety, and loss of identity. Kristi didn't just rebuild her life. She rebuilt her purpose.This conversation is for any firefighter, police officer, medic, veteran, or service member asking the tough questions: What if the uniform is gone. What if I don't know who I am anymore. And what does it really take to move forward. If you're in transition, or might be someday, this episode is proof that your purpose can evolve and your mission is far from over.The best podcast for military veterans, police officers, firefighters, and first responders preparing for veteran transition and life after service. Helping you plan and implement strategies to prepare for your transition into civilian life.Follow the show and share it with another veteran or first responder who would enjoy this.CONNECT WITH THE PODCAST:Instagram: https://www.instagram.com/paulpantani/WEBSITE: https://www.transitiondrillpodcast.comLinkedIn: https://www.linkedin.com/in/paulpantani/SIGN-UP FOR THE NEWSLETTER:https://transitiondrillpodcast.com/home#aboutQUESTIONS OR COMMENTS:paul@transitiondrillpodcast.comEPISODE BLOG AND CONNECT WITH KRISTI:https://www.transitiondrillpodcast.com/post/kristi-miedecke-chose-family-over-the-badge-a-cops-transition-journey-veterans-first-respondersSPONSORS:GRND CollectiveGet 15% off your purchaseLink: https://thegrndcollective.com/Promo Code: TRANSITION15Blue Line RoastingGet 10% off your purchaseLink: https://bluelineroasting.comPromocode: Transition10Frontline OpticsGet 10% off your purchaseLink: https://frontlineoptics.comPromocode: Transition10

In this Thanksgiving Special, we look back at what Thanksgiving dinner was like during Desert Shield and Desert Storm. Veterans from the Army, Navy, Air Force, and Marines share their stories of celebrating the holiday far from home—what they ate, how they passed the time, and what the day meant to them before the war began.Gulf War Illness Study : https://ucsd.co1.qualtrics.com/jfe/form/SV_8kroz7Jamr365hQGet access to past and bonus content with exclusive guest. Please help support the podcast and veterans so we can keep making the show - patreon.com/GulfWarSideEffects▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬Life Wave Patches: https://lifewave.com/kevinsimon/store/products*Here is my recommendations on what patches to get and what has helped me.Ice Wave - this helps with my neuropathy.x39 - this helps me with brain fog and my shakesx49 - helps with bone strengthGludifion - helps get rid of toxinsMerch: https://gulfwar-side-effects.myspreadshop.com/Contact me with your questions, comments, or concerns at kevinsimon@gulfwarsideeffects.com

From a live event held on November 20 at New York Law School, host Ben Max talks with four experts who have experience across the last several mayoral administrations and transitions: Anthony Crowell (NYLS Dean; former Counselor to the Mayor), Jennifer Jones Austin (FPWA CEO; co-chair of the 2013 mayoral transition), Meera Joshi (President of Green-Wood; former Deputy Mayor of Operations) , and Emma Wolfe (Chief of Staff to the NYU President; former Deputy Mayor for Administration). They spoke about the keys to a successful mayoral transition, how to best organize and run city government, lessons from Mayors Bloomberg, de Blasio, and Adams, advice for Mayor-elect Mamdani, and more. (Ep 551)

Jeff Wetherhold is a Change Management & Motivational Interviewing Expert. Jeff helps business leaders master the conversations that create change, one skeptical teammate, one eye-roll at a time.   Along the way we discuss – Behavioral Science, Applied (1:00), Motivational Interviews (7:45), Next Level Questions (11:00), Interview Mistakes (14:45), Always Agency in Change (18:00), It Takes Time (22:30), Interdependence (26:30), Binary Bias (28:45), and What's Next (36:00). For help in making change more manageable reach out to Jeff @ Motivational Interviewing for Health This podcast is partnered with LukeLeaders1248, a nonprofit that provides scholarships for the children of military Veterans. Send a donation, large or small, through PayPal @LukeLeaders1248; Venmo @LukeLeaders1248; or our website @ www.lukeleaders1248.com. You can also donate your used vehicle @ this hyperlink – CARS donation to LL1248.  Music intro and outro from the creative brilliance of Kenny Kilgore. Lowriders and Beautiful Rainy Day.

George Galloway returns for another packed edition of The Mother of All Talk Shows, as the world edges closer to midnight on multiple fronts. 

Daniel    Episode 3154 of the Vietnam Veteran News Podcast will feature a story about how Elton John honored a Vietnam Veteran with his song. The featured story is titled: Who did Elton John write ‘Daniel' about?. It appeared in … Continue reading →

In this episode of The Veterans Legal Lowdown, CCK Law partner Emma Peterson is joined by Managing Attorney Alyse Phillips to talk about strategies to maximize veterans' benefits. They discuss military sexual trauma rules, claims for medical side effects, the VA's planned updates to sleep apnea and other ratings, and more. Tune to find out what you need to know!For more information, visit our website at⁠⁠⁠⁠⁠⁠ cck-law.com⁠⁠⁠⁠⁠⁠Follow us on social media: ⁠⁠⁠⁠⁠⁠YouTube⁠⁠⁠⁠⁠⁠ -⁠⁠⁠⁠⁠⁠https://bit.ly/CCKYTL⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠Facebook⁠⁠⁠⁠⁠⁠ -⁠⁠⁠⁠⁠⁠https://bit.ly/CCKFBL⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠Instagram⁠⁠⁠⁠⁠⁠ -⁠⁠⁠⁠⁠⁠https://bit.ly/CCKINL⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠Twitter⁠⁠⁠⁠⁠⁠ -⁠⁠⁠⁠⁠⁠https://bit.ly/CCKTL

Today in the interrogation chair, it's COYDOG author, David Tromblay. Veteran, goat wrangler, giant dog keeper and unbelievable author, Tromblay lays things out in the most brutal way that you will instantly admire. Find out about his life in rural Oklahoma, his bout with poison ivy, and some of his experience in the writer's room for The Lowdown with Ethan Hawke. Tromblay delivers, so don't miss COYDOG. The Tromblay Linktree: linktr.ee/davidtromblay | thewritersdossier.com | Voice credit: Hillary Huber Get COYDOG: www.dzancbooks.org/all-titles/p/coydog Grab the audiobook read by E.M. Wylde www.simonandschuster.com/books/Coydog/David-Tromblay/Anadarko-County/9781668152133

December 1, 2025 ~ Mike Rogers, Veteran, Former FBI Agent, Former Chairman of the US Intelligence Committee, current Republican Gubernatorial candidate discusses some big foreign policy stories that happened over the weekend. Hosted by Simplecast, an AdsWizz company. See https://pcm.adswizz.com for information about our collection and use of personal data for advertising.

Today in the interrogation chair, it's COYDOG author, David Tromblay. Veteran, goat wrangler, giant dog keeper and unbelievable author, Tromblay lays things out in the most brutal way that you will instantly admire. Find out about his life in rural Oklahoma, his bout with poison ivy, and some of his experience in the writer's room for The Lowdown with Ethan Hawke. Tromblay delivers, so don't miss COYDOG. The Tromblay Linktree: linktr.ee/davidtromblay | thewritersdossier.com | Voice credit: Hillary Huber Get COYDOG: www.dzancbooks.org/all-titles/p/coydog Grab the audiobook read by E.M. Wylde www.simonandschuster.com/books/Coydog/David-Tromblay/Anadarko-County/9781668152133

On this episode of the Sword and Pen, join host Devon Lancia and guest Anthony Dyer as the two discuss long-form writing, memoir composition, and how writing as a medium can help veterans heal. A former U.S. Air Force special missions aviator from the mountains of North Carolina with over a decade of experience in special operations aviation, Anthony works to break the stigma surrounding mental health in the military, aviation, and veteran communities through his speaking and writing. His debut memoir, Moon Child, tells the story of his experiences in combat, as well as his own mental health struggles after service.Sword and Pen is a Military Veterans in Journalism production. Find out more about us at www.mvj.network.

Veteran analyst Pete Meyer joins Chris Barron for a candid breakdown of today's markets. We cover the flash-sale uncertainty, missing USDA data, CFTC delays, fund positioning, and what they actually mean for grain prices heading into December. Pete explains why soybeans will lead, why corn may not follow, how to think about stock-market spillover, and why production rallies are meant to be sold and demand rallies respected. We also dive into the on-farm realities: working capital erosion, sticky overhead, crop mix decisions, and how to approach 2026 with practical risk management. If you run a business, manage acres, or simply want a grounded view of what lies ahead, this conversation is for you.

Send us a textRetired Marine Corps fighter pilot, Top Gun instructor, and leadership consultant Dave Berke joins Joe for an honest conversation about ego, responsibility, and what it truly means to lead—both in the arena of combat and in everyday life.As the bestselling author of The Need to Lead, Dave pulls back the curtain on the high-pressure world of fighter aviation, the chaos of ground combat in Ramadi, and the quiet challenges of becoming a better leader at home.  He reveals how his biggest breakthroughs came not from triumphs, but from failure—from dogfights he should have won, leadership roles he wasn't ready for, and moments where ego clouded judgment.In this episode, Joe and Dave also explore:Why ego is the most dangerous threat to good leadership—and how to recognize the voice that “loves you to death”How Top Gun actually works (and why the instructors are more humble than Hollywood suggests)Lessons from Ramadi—operating in chaos, fighting self-doubt, and learning fast under pressureWhy leaders fail when they cling to control instead of developing othersThe danger of complacency—and how one “guaranteed win” dogfight changed Dave's approach to preparationPreparing for your own departure as a leader—why good leadership outlasts the leaderThe hard emotional work of transition and why believing in your next mission matters more than salary, title, or prestigeWhether you're leading in uniform, managing a team, or navigating a major life transition, this episode offers hard-earned wisdom on how to stay grounded, remain teachable, and build teams capable of enduring whatever comes next.Dave Berke is a retired U.S. Marine Corps officer, former TOPGUN Instructor, and now the Chief Development Officer and a leadership instructor at Echelon Front. As an F/A-18 pilot, he deployed twice from the USS John C. Stennis in support of combat operations in Iraq and Afghanistan. He later spent three years at TOPGUN as an Instructor Pilot, Training Officer, and senior staff pilot overseeing the course.He also served on the ground in Ramadi in 2006 as an ANGLICO Forward Air Controller with the Army's 1st AD, leading his team on scores of combat missions and accompanying SEAL Task Unit Bruiser on nearly every major operation of the Battle of Ramadi.Dave was the only Marine selected to fly the F-22 and became the first operational pilot qualified in the F-35B, later commanding the Marine Corps' first F-35 squadron. He holds a Master's in International Public Policy and an MBA from Johns Hopkins University.After retiring, Dave joined Echelon Front, bringing deep experience in combat leadership, decision-making, risk mitigation, and building high-performance teams.A Special Thanks to Our Sponsors!Veteran-founded Adyton. Step into the next generation of equipment management with Log-E by Adyton. Whether you are doing monthly inventories or preparing for deployment, Log-E is your pocket property book, giving real-time visibility into equipment status and mission readiness. Learn more about how Log-E can revolutionize your property tracking process here!Meet ROGER Bank—a modern, digital bank built for military members, by military members. With early payday, no fees, high-yield accounts, and real support, it's banking that gets you. Funds are FDIC insured through Citizens Bank of Edmond, so you can bank with confidence and peace of mind. 

Send us a textNFL Week 12 delivered absolute chaos.QB explosions, playoff contenders stumbling, surprise teams catching fire, and a couple of franchises having full-on identity crises. We're breaking down every game, every big moment, and every storyline that actually matters heading into Week 13.This episode covers:• The Lions' statement win and why their offense looks completely unlocked• The Browns' and the QB situation• The Seahawks' offensive eruption, looking like a real contender• The Steelers dropping one to the Bears• Josh Allen's meltdown + Buffalo's season on a cliff edge• The Giants shock the league with an "Off the Hook" play• Kansas City squeak out a win against the Colts• The Vikings' QB situation getting even messier • Full scoreboard breakdown + wildest moments of SundayAnd of course:Sponsorship or Cease & DesistMike's Movie Quote ... and that Raw EnergyNo scripts. Just real reactions, real opinions, and real football talk.

This week, Twin Cities U.S. Navy recruiters share real stories from submarines and carriers — plus how Minnesotans can join today. Then, hear how the Minnesota National Guard teams up with the Vikings, Twins, Wild, Wolves, and local communities to honor service members. Guests include: Lt. John Gillotte – United States Navy Counselor 1st Class […] The post Sailors in the Heartland and Minnesota National Guard Community Relations appeared first on Minnesota Military Radio.

STRANGE Britain with Paul SInclair of Truth Proof - Steve welcomes Paul Sinclair, veteran pararnormal reseacher, author and documentary filmmaker, who discusses strange goings-on in the U.K. Find Paul on his YouTube channel Truth Proof https://www.youtube.com/@paulsinclairtruth-proof , and on the web at https://www.truthproof.uk/Become a supporter of this podcast: https://www.spreaker.com/podcast/missing-persons-mysteries--5624803/support.

Segment 10 — Training Soviet Spies: Ray Bennett Prepares Agents for American Missions — Svetlana Lokhova — Lokhova examines Ray Bennett, a veteran intelligence operative and Soviet ideologue born in Tsarist Russia, who trained Russian students for covert missions in America. Bennett emphasized operational security protocols, including instructions that agents never speak Russian immediately upon waking, ensuring consistent cover and preventing operational compromises. 1929

Segment 1 — The Big Hop: Setting the Stage for the First Non-Stop Transatlantic Flight — David Rooney — Rooney discusses Lord Northcliffe establishing a £10,000 prize in 1913 to spur British aviation advancement. Following WWI, veterans including pilot John Alcock and navigator Arthur Whitten Brown partnered with Vickers to attempt the historic challenge, bringing military experience and determination to the demanding endeavor. 1923

Send us a textAaron sits down with Ryan “Max Afterburner” Bodenheimer—Strike Eagle pilot, Thunderbird #2, and one of the most grounded high-performers to ever touch a flight line. They dive into mentorship, resilience, building real confidence, finding purpose after the military, and why today's warriors need challenge—not comfort. Max opens up about beating burnout, rediscovering joy in the job, and how the fighter-pilot mindset can lift anyone chasing excellence. If you're looking for clarity, motivation, and a push toward your best self, this is the one. ⏱️ TIMESTAMPS: 00:00 – The life-changing “You made the team” phone call 06:30 – Why community and culture matter more than rank 13:50 – First solo moments in the Strike Eagle 20:40 – Fighting burnout and finding purpose again 27:00 – Getting selected by being yourself—not a robot 34:20 – Call signs, morale, and bringing fun back to the force 42:55 – The American spirit and why challenge makes us better 55:10 – Veterans, identity, and building your next chapter 01:06:00 – Max's best advice for anyone starting the climb

Erik and Jeffrey Freeman bring over 30 years of combined real estate experience and manage more than $20M in multifamily assets as strategic partners. Erik, a U.S. Navy veteran with a B.S. in Marine Engineering, has two decades of experience as a real estate agent, investor, hard-money lending specialist, and project manager. Jeffrey, a U.S. Army veteran with degrees in IT and Cyber Security and a CISSP certification, adds 15 years of real estate investing and 12 years of leadership expertise. Together, their military backgrounds and deep experience in lending, investing, project management, and networking create a powerful foundation for delivering exceptional results and they proudly joined Rod's Warrior Group in late 2024.   Here's some of the topics we covered:   From Military Service to Real Estate Power Players From Single-Family Hustle to Multifamily Empire Building The Truth About Working With Family in Real Estate The Tax Play That Slashes Your Operating Expenses Must-Read Books That Supercharge Your Growth The One Factor That Skyrockets Your Multifamily Learning Curve Relentless Ambition and the Hunt for Killer Deals Where Game-Changing Ideas Are Really Born   If you'd like to apply to the warrior program and do deals with other rockstars in this business: Text crush to 72345 and we'll be speaking soon.   For more about Rod and his real estate investing journey go to www.rodkhleif.com

In this episode, Darin sits down with BioHarvest CEO Ilan Sobel, a leader who is redefining the future of plant compounds, human performance, and scalable biotech. Ilan shares the extraordinary origin story of BioHarvest's technology, how a single scientific breakthrough is disrupting global supply chains, and why "democratizing the power of the plant kingdom" has become his life mission. From hydration to longevity molecules to the French Paradox, Ilan reveals how his company is transforming ancient wisdom into modern, clinically validated solutions that can reach the masses.     What You'll Learn 00:00:00 Welcome and Introduction 00:00:32 Sponsor: Thera Sage 00:02:10 Introducing Ilan Sobel (Bio Harvest Sciences) 00:03:37 Electrolyte Solution Powered by Circulation 00:04:37 Vinia's Baseline: Sea Salt, Coconut Water, Marine Magnesium 00:05:36 The Uniqueness of Pi-Seed Resveratrol 00:06:50 Solubility and Bioavailability: Lasting 12 Hours 00:08:48 Overview of Botanical Synthesis Technology and Cell Growth 00:13:58 Vinia's Potency: 1,000 Red Grapes in a Capsule 00:15:31 Why Blood Flow is Critical for Longevity 00:17:23 Increased Blood Flow to the Brain and Mental Alertness 00:19:00 Sponsor: Our Place Cookware 00:21:35 The Abuse of Nature and the Need for Preservation 00:24:15 Overcoming Pharma's Barriers: Consistency, Low Levels, and Patents 00:28:32 Vinia as a Validation of the Technology's Power 00:30:02 Scaling Production: 137 Bioreactors 00:32:21 Scaling Comparison: Manhattan Island's Worth of Resveratrol 00:34:26 Clinical Substantiation and Solubility 00:35:14 The Mechanism: Increasing Nitric Oxide and Reducing ET-1 00:38:33 The "Vinia Difference" - When Consumers Feel the Benefits 00:40:05 Unseen Benefits: Reducing Oxidative Damage 00:41:16 Low Churn Rate and Science-Backed Commitment 00:42:52 Sponsor: Manna Vitality 00:44:46 Commitment to Mission and Customer Reviews as Fuel 00:48:01 Support for First Responders and Veterans 00:51:32 Ilan's Journey to CEO and Unlocking the Gold Mine 00:55:37 The Plan to Build a Second 100-Ton Facility 00:57:12 Democratization and Scaling: Software Economics in Biotech 01:00:21 The French Paradox and Red Wine Connection 01:01:33 Next in DTC: Olive Cells and Forbascoside for Liver Health 01:05:36 New Partnership: Creating a Super Saffron for Cognitive Health 01:13:02 Partnership with Tate & Lyle for Non-Nutritive Sweeteners 01:16:11 The Movement of Change and Legacy for Future Generations 01:18:52 Introducing the Vinia Blood Flow Hydration Stick Packs     Thank You to Our Sponsors Therasage: Go to www.therasage.com and use code DARIN at checkout for 15% off Our Place: Toxic-free, durable cookware that supports healthy cooking. Go to their website at fromourplace.com/darin and get 35% off sitewide in their largest sale of the year. Manna Vitality: Go to mannavitality.com/ and use code DARIN12 for 12% off your order.     Join the SuperLife Community Get Darin's deeper wellness breakdowns — beyond social media restrictions: Weekly voice notes Ingredient deep dives Wellness challenges Energy + consciousness tools Community accountability Extended episodes Join for $7.49/month → https://patreon.com/darinolien     Find More from Ilan Sobel Website: bioharvest.com Instagram: @ilansobel Red Grape Cell Product: vinia.com     Find More from Darin Olien: Instagram: @darinolien Podcast: SuperLife Podcast Website: superlife.com Book: Fatal Conveniences     Key Takeaway "Democratizing the plant kingdom isn't just a business strategy — it's a responsibility. If science gives us the ability to help millions of people feel better, perform better, and live longer, then we have an obligation to scale it in a way the whole world can access."

John McMahon is widely regarded as one of the greatest enterprise-software sales leaders of all time. He's the only person to have served as Chief Revenue Officer at five public software companies: PTC, GeoTel, Ariba, BladeLogic and BMC Software. He helped scale BladeLogic from a startup into a public company — ultimately leading to its ~$880M sale to BMC — and drove GeoTel into a multi-billion dollar acquisition. Today he sits on the boards of top names such as Snowflake and MongoDB, while also mentoring and influencing a who's-who of modern SaaS sales leaders. AGENDA: 03:33 The Art and Science of Sales: Insights from a Veteran 04:29 Adapting Sales Strategies in the Age of AI and PLG 07:47 The Ultimate Framework to do Deal Qualification 14:13 How to Drive Urgency and Maintain Sales Process 20:06 How to Hire the Best Sales Reps 25:11 Step-by-Step Guide to Training Sales Reps 45:22 The Mindset of the Best Sales Reps 54:55 Single Most Important Skill to Win in Sales  

Independent investigative journalism, broadcasting, trouble-making and muckraking with Brad Friedman of BradBlog.com

Veteran truth/ conspiracy researcher Ole Dammegard is here to talk about an exciting event he has lined up for 18th to 25th April 2026. This is a week-long retreat in Bali, Indonesia, consisting of talks, workshops, unwinding and networking with like-minded folk from all over the world.For anyone interested, please book through the following exclusive affiliate link:https://www.dammeguardians.com/travel-bali?aff=MarkDevlinBookings made prior to 1st December 2025 using the code MarkDevlin will get a 250 Euro discount, then a 100 Euro discount applies for the rest of December using the code LAUNCH.Ole's main website is here:www.lightonconspiracies.comBecome a supporter of this podcast: https://www.spreaker.com/podcast/good-vibrations-podcast--2594848/support.

Helping veterans match with service dogs is an amazing calling.  This week, Tara and Laura welcomed Ryan Woodruff from Clear Path for Veterans to talk about their canine program.  They discuss Ryan's background that led him to his calling and the process they use to help match the perfect service dog to help our veterans in this country.  What an amazing passion to have and one that we share!  Be sure to check out the amazing things they are doing at Clear Path for Veterans through their website and socials below.Website and socials:https://www.clearpath4vets.com/https://www.instagram.com/clearpath4vetshttps://www.facebook.com/ClearPathForVeteransSponsored by K9 WorkingmindThis episode was edited and mastered by The WillaWoman. Our song "Working Minds" was also created by The WillaWoman.Hear more of her work here: https://tinyurl.com/TheWillaWoman

There are few reporters who have covered the GWG fallout like InvestmentNews' Bruce Kelly has, but we found one who has covered it even more comprehensively and at a granular level in Tim Carpenter of the Kansas Reflector.

This special Thanksgiving edition brings you part two of a dynamic Independent Veterans of America Winners Circle Town Hall featuring IVA 2026 Senate candidates Ty Pinkins of Mississippi and Dan Osborn of Nebraska—two independent veterans who are taking on entrenched incumbents, big money, and a broken two-party system.​ From New York City on Thanksgiving Day, Paul sets the table with gratitude for servicemembers, military families, cops, firefighters, and first responders who are working while the rest of America is watching parades and football. Then the conversation turns to the future: what it really looks like to run as an independent veteran in deeply red states, how to talk to voters across race and party lines in rural communities, and why so many Americans are fed up with being forced to choose between Trump on the right and Mamdani-style extremes on the left.​ Ty Pinkins shares what it means to campaign as an independent veteran in Mississippi—knocking doors in rural counties, bridging racial and political divides, and showing people that common sense, decency, and service still have a place in American politics. Dan Osborn, the former Navy veteran and mechanic who shook the establishment with a close U.S. Senate race in Nebraska, talks about why he is running again in 2026, how his grassroots movement has grown, and what it takes to challenge a billionaire-backed incumbent with nothing but grit, community, and a mission to put country first.​ Paul ties it all together with a Thanksgiving message about why veteran leadership matters as crises continue in places like Ukraine and Venezuela and as National Guard deployments ramp up at home, and why this independent veteran wave is just getting started. If you are an independent—or independent-curious—American who is tired of being politically homeless, or if you have ever thought about running for office yourself, this episode is a must-listen and a call to action. Because every episode of Independent Americans with Paul Rieckhoff breaks down the most important news stories--and offers light to contrast the heat of other politics and news shows. It's independent content for independent Americans. In these trying times especially, Independent Americans is your trusted place for independent news, politics, inspiration and hope. The podcast that helps you stay ahead of the curve--and stay vigilant. -WATCH video of this episode on YouTube now. -Learn more about Paul's work to elect a new generation of independent leaders with Independent Veterans of America. -Join the movement. Hook into our exclusive Patreon community of Independent Americans. Get extra content, connect with guests, meet other Independent Americans, attend events, get merch discounts, and support this show that speaks truth to power.  -Check the hashtag #LookForTheHelpers. And share yours.  -Find us on social media or www.IndependentAmericans.us.  -And get cool IA and Righteous hats, t-shirts and other merch now in time for the holidays.  -Check out other Righteous podcasts like The Firefighters Podcast with Rob Serra, Uncle Montel - The OG of Weed and B Dorm.  Independent Americans is powered by veteran-owned and led Righteous Media. Spotify • Apple Podcasts • Amazon Podcasts  Ways to watch: YouTube • Instagram  X/Twitter • BlueSky • Facebook  Ways to listen:Social channels: Learn more about your ad choices. Visit megaphone.fm/adchoices

Steve Crossman is joined by European football experts and stars of the Euro Leagues; Guillem Balague, Julien Laurens and James Horncastle. The hot topic on the pod is Cristiano Ronaldo - after been given a straight red card in Portugal's World Cup qualifier against the Republic of Ireland a few weeks ago, Ronaldo was set to miss the first two matches of the 2026 World Cup in order to serve his full three-match ban.However, the final two matches of his ban have been suspended by Fifa's disciplinary committee for “a one-year probation period”, with Fifa citing his previous good conduct as the reason for the suspension – the guys get into quite a heated debate over if this was the correct decision… or not. They head live to Norway for a huge story in the Eliteserien - with Viking FK one win away from a first league title since 1991.They also discus Brazilian wonderkids Estevao and Endrick, European veteran Pierre Emerick Aubameyang and Vinicius Jr's strained relationship with Xabi Alonso – as well as reflecting on all of the week's Champions League action!Timecodes: 01:40 – Ronaldo section. 10:30 –Estevao appreciation chat 19:00 - Endrick focus. 23:00 - Vinicius Jr's relationship with Xabi Alonso 30:00 – Viking FK with fan Lars Risen. 38:00 - PSG's Vitinha discussion. 41:00 - Pierre Emerick Aubameyang resurgence. Football commentaries this week.Saturday 29th November PREMIER LEAGUE: Manchester City v Leeds 1500 KO - ON 5 LIVE PREMIER LEAGUE: Sunderland v Bournemouth 1500 KO - L ON SPORTS EXTRA PREMIER LEAGUE: Everton v Newcastle United 1730 KO - ON 5 LIVE WOMENS INTERNATIONAL FRIENDLIES: England v China 1730 KO ON SPORTS EXTRA Sunday 30th November PREMIER LEAGUE: West Ham v Liverpool 1405 KO - ON 5 LIVE PREMIER LEAGUE: Aston Villa v Wolves 1405 KO - ON SPORTS EXTRA PREMIER LEAGUE: Nottingham Forest v Brighton 1405 KO - LIVE ON SPORTS EXTRA 2 PREMIER LEAGUE: Chelsea v Arsenal 1630 KO - ON 5 LIVE

In this special Thanksgiving episode Dr Koontz reads selections from various accounts and poems relating to Thanksgiving and Armistice Day (now known as Veteran's Day) and gives us meditations on Thanksgiving, and on surviving in dark times as the pilgrims who founded the holiday did. Readings: The Life of Saint Martin of Tours "Martin's Tide" by William Barnes Poetry of World War I       "Peace" by Rupert Brooke       "The Dead" by Rupert Brooke       "In Flanders Fields" by John McCrae       "And There Was a Great Calm" by Thomas Hardy Thanksgiving proclamation and stories from the Pilgrims "The Harvest Moon" by Henry Wadsworth Longfellow "Thanksgiving Turkey"  by George Parsons Lathrop   Visit our website - A Brief History of Power Dr Adam Koontz - Redeemer Lutheran Church Music thanks to Verny

The Berlin Blockade was one of the first major international crises of the Cold War when the Soviet Union blocked the Western Allies' railway, road, and canal access to the sectors of Berlin under Western control. I speak with Joseph Pearson, the author of “The Airlift Victories, Myths, and the Berlin Blockade. This is not your standard military history. Drawing on first-hand interviews and untapped sources from both German and Anglo-American archives, Pearson interweaves personal tales into an extraordinary story: an American pilot crashing in Soviet territory; a Jewish photographer struggling to reconcile with the Germans; the 17,000 women who built Tegel Airport; Cambridge University actors performing in the ruins for British intelligence and Hollywood star Montgomery Clift filming at Tempelhof Airport. Through this deeply human lens, Pearson offers crucial historical insight into how lasting new battlelines were formed. The Berlin Airlift didn't just supply a city; it wrote the playbook of the Cold War and continues to influence Western thinking and diplomacy with Russia to this day. Help me preserve Cold War history. ⁠⁠ You'll become part of our community, get ad-free episodes, and get a sought-after CWC coaster as a thank you and you'll bask in the warm glow of knowing you are helping to preserve Cold War history. Just go to ⁠⁠⁠https://coldwarconversations.com/donate/⁠⁠⁠ If a monthly contribution is not your cup of tea, We also welcome one-off donations via the same link. Related episodes: Veteran of the Cold War Berlin Airlift – the Candy Bomber ⁠https://coldwarconversations.com/episode56/⁠ A 98 Year Old USAF Veteran Remembers the Berlin Airlift ⁠https://coldwarconversations.com/episode417/⁠ A visit to Cold War base RAF Burtonwood ⁠https://coldwarconversations.com/episode74/⁠ Book Giveaway ⁠https://coldwarconversations.com/giveaway1/⁠ Episode Extras ⁠https://coldwarconversations.com/episode432/⁠ Find the ideal gift for the Cold War enthusiast in your life! Just go to ⁠https://coldwarconversations.com/store/⁠ CONTINUE  THE COLD WAR CONVERSATION Follow us on BlueSky ⁠https://bsky.app/profile/coldwarpod.bsky.social⁠ Follow us on Threads ⁠https://www.threads.net/@coldwarconversations⁠ Follow us on Twitter/X ⁠https://twitter.com/ColdWarPod⁠ Facebook ⁠https://www.facebook.com/groups/coldwarpod/⁠ Instagram ⁠https://www.instagram.com/coldwarconversations/⁠ Youtube ⁠https://youtube.com/@ColdWarConversations Learn more about your ad choices. Visit podcastchoices.com/adchoices

Send us a textFrom the age of 12, Scott Ryder knew he wanted to join the army. After serving as a paratrooper and in East Timor with 3 RAR, he wanted more. He trained all summer and took the gruelling selection course for the commandos, earning the prized green beret on his second attempt.Ryder shares battlefield stories from his tours to Afghanistan, where his regiment saw some of the heaviest fighting Australian forces have experienced since the Vietnam War. After being seriously injured in a shocking Black Hawk helicopter crash in Kandahar, he was the only survivor to return to active service.You can learn more about Scott's service in his book Forged in Fire, available here: https://www.amazon.co.uk/Forged-Fire-Australian-commandos-frontline-ebook/dp/B0CYZNJRDBScott is on instagram: @scott_ryder_zero79If you are interested in being a guest on the podcast, please contact us at info@veteranstateofmind.com , or drop us a DM on instagram @veteranstateofmindSupport the show

After serving in the Air Force, Billy Rudd spent over two decades leading massive teams in corporate America. On paper, he had everything figured out. He had a great title, a solid paycheck, and constant travel. But something had to give. With two growing kids and a business idea that wouldn't leave him alone, Billy took the leap and turned his side hustle into a full-time gig. In this episode, he shares what it takes to walk away from "safe," how his military background shaped his leadership style, and why authenticity matters more than marketing. He also talks about bringing his kids into the business, the lessons they're learning, and what it means to finally have control over his own time. Timestamps: 00:03:00: How Billy's Air Force years shaped his mindset 00:07:30: Leaving the corporate world for something meaningful 00:09:45: The origins of Cloud Splitter Coffee 00:14:30: Authenticity, community, and building a real brand 00:26:45: Involving his kids and finding balance at home Links & Resources Veteran Suicide & Crisis Line: Dial 988, then press 1 Website: https://Cloudsplittercoffee.com Follow Billy Rudd on Facebook: https://www.facebook.com/share/1DDK7YTgVs/?mibextid=wwXIfr Follow Billy Rudd on Instagram: https://instagram.com/cloudsplittercoffee Follow Billy Rudd on LinkedIn: https://www.linkedin.com/in/billy-rudd-14a433241 Transcript View the transcript for this episode.

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We head to Northern England for Dan's first tale and meet the creepy bog hag, Jenny Greenteeth. She's the monster kids went to sleep fearing for centuries there, worried the next time they strayed to close to a pond's edge, they might get sucked in and never return alive. Then we go to Japan for more water horror. We'll meet the kappa a river monster who might come for your butthole if you don't give him a cucumber. Finally, we'll head to Australia and meet a billabong-haunting cryptid called the Bunyip. Lynze is sharing a creepy, strange and unexplained tale of Thanksgiving gone wrong. Lastly, she shares a mystical moment from a fan who has some kind of encounter while camping. Monthly Bad Magic Productions Donation: This month, in honor of Veterans Day, we are donating to The Manatee Veterans Village, based in Florida. The Manatee GPD Program provides clinical treatment, transitional housing and case management services to homeless Veterans. We assist Veterans in identifying personal goals relating to education, employment, health, entitled benefits, spirituality, relationships and community participation. We thank all Veterans who have served our country. A donation in the amount of $11,670 has been made. If you interested in learning more or supporting this organization, you can visit voaflorida.org/locations/manatee-veterans-villageWe have also added $1300 to our Scholarship Fund for 2026!Do you want to get all of our episodes a WEEK early, ad free? Want to help us support amazing charities? Join us on Patreon!Want to be a Patron? Get episodes AD-FREE, listen and watch before they are released to anyone else, bonus episodes, a 20% merch discount, additional content, and more! Learn more by visiting: https://www.patreon.com/scaredtodeathpodcast.Send stories to mystory@scaredtodeathpodcast.comSend everything else to info@scaredtodeathpodcast.comPlease rate, review, and subscribe anywhere you listen.Thank you for listening!Follow the show on social media: @scaredtodeathpodcast on Facebook and IG and TTWebsite: https://www.badmagicproductions.com/Facebook: https://www.facebook.com/scaredtodeathpodcastInstagram: https://bit.ly/2miPLf5Mailing Address:Scared to Deathc/o Timesuck PodcastPO Box 3891Coeur d'Alene, ID 83816Opening Sumerian protection spell (adapted):"Whether thou art a ghost that hath come from the earth, or a phantom of night that hath no home… or one that lieth dead in the desert… or a ghost unburied… or a demon or a ghoul… Whatever thou be until thou art removed… thou shalt find here no water to drink… Thou shalt not stretch forth thy hand to our own… Into our house enter thou not. Through our fence, breakthrough thou not… we are protected though we may be frightened. Our life you may not steal, though we may feel SCARED TO DEATH." Subscribe to SiriusXM Podcasts+ to listen to new episodes of Scared to Death ad-free and a whole week early. Start a free trial now on Apple Podcasts or by visiting siriusxm.com/podcastsplus. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Will Trump and the GOP face a healthcare backlash? Swift Boating a War Hero? Whiskey Pete's cheap shot at Mark Kelly explodes on the launchpad. Veteran war correspondent Phil Ittner - Was Ukraine sold out and being forced to give up land? See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

As we head into Thanksgiving we've got a special Veterans Day “Winners Circle” town hall that brings together Independent Veterans of America (IVA) candidates who are changing American politics from the ground up. Independent Americans host and IVA founder Paul Rieckhoff moderates a powerful, unfiltered conversation with two newly‑elected independent veterans—Mike Procuk (Frederick County, VA School Board) and Toby Proctor (North Granby, CT Board of Finance)—and IVA candidates Todd Achilles (Idaho), Donna Charles (Virginia) and Brian Bengs (South Dakota).  They break down how independents are actually winning, why veterans are some of the last public figures people still trust, and how corrupt, money‑soaked party politics is failing regular Americans. From school boards and local finance boards to U.S. Senate races across red states, these veterans share ground‑truth stories from the trail, the brutal ballot‑access obstacles they face, and the insider strategies that prove independents are not spoilers—they're the future. Because every episode of Independent Americans with Paul Rieckhoff breaks down the most important news stories--and offers light to contrast the heat of other politics and news shows. It's independent content for independent Americans. In these trying times especially, Independent Americans is your trusted place for independent news, politics, inspiration and hope. The podcast that helps you stay ahead of the curve--and stay vigilant. -WATCH video of this episode on YouTube now. -Learn more about Paul's work to elect a new generation of independent leaders with Independent Veterans of America. -Join the movement. Hook into our exclusive Patreon community of Independent Americans. Get extra content, connect with guests, meet other Independent Americans, attend events, get merch discounts, and support this show that speaks truth to power.  -Check the hashtag #LookForTheHelpers. And share yours.  -Find us on social media or www.IndependentAmericans.us.  -And get cool IA and Righteous hats, t-shirts and other merch now in time for the holidays.  -Check out other Righteous podcasts like The Firefighters Podcast with Rob Serra, Uncle Montel - The OG of Weed and B Dorm.  Independent Americans is powered by veteran-owned and led Righteous Media. Spotify • Apple Podcasts • Amazon Podcasts  Ways to watch: YouTube • Instagram  X/Twitter • BlueSky • Facebook  Ways to listen:Social channels: Learn more about your ad choices. Visit megaphone.fm/adchoices