Podcasts about Villanueva

California High School Spanish teacher and Interact Club advisor Oyuki Espinoza is joined by two Cal High Class of 2016 alumna, Alondra Saldivar and Cecilia Villanueva, to discuss the school's Interact Club Mentorship Program, which provides current Cal High students the opportunity to receive college and career advice while serving as community volunteers. Saldivar and Villanueva also discuss the challenges they encountered as undergraduates at elite universities, what compelled them to study law and medicine, respectively, the camaraderie of being in a school band, and the importance of mental wellness in balancing work, school, and home life.

Las small caps, las empresas de pequeña capitalización, suelen tener más potencial de crecimiento en bolsa que las grandes, pero también más volatilidad. En un año tan complejo como 2025, ¿cómo se están comportando? ¿Por qué en EE. UU. han pasado de brillar tras la victoria de Trump a estar entre las categorías de fondos más flojas del año? Hoy hablamos con Rodrigo Villanueva, gestor del fondo Attitude Small Caps, para entender qué diferencia realmente a las small caps del resto del mercado, cómo influyen factores como los aranceles y los tipos de interés y qué criterios utiliza para seleccionar las empresas que entran en su cartera. Tampoco puedes perderte nuestra nueva sección mensual llamada "Escucha, no te compliques" en la que charlaremos con nuestros amigos de Finizens. En esta ocasión entrevistamos a Kevin Koh Maier, director de inversiones del roboadvisor. https://finizens.com/ Enlaces sección “El corrillo”: ➡️ ¿Ha terminado ya la guerra comercial entre Estados Unidos y China? https://www.finect.com/grupos/columbia_threadneedle_investments/articulos/ha-terminado-ya-la-guerra-comercial-entre-estados-unidos-y-china ➡️ La guerra de aranceles se relaja, pero deja cambios profundos en la economía mundial https://www.finect.com/grupos/mapfre-gestion-patrimonial-agentes/articulos/la-guerra-de-aranceles-se-relaja-pero-deja-cambios-profundos-en-la-economia-mundial ➡️ La banca toma impulso en bolsa a pesar del chaparrón arancelario: "Es una apuesta prometedora" La banca toma impulso en bolsa a pesar del chaparrón arancelario: "Es una apuesta prometedora" ➡️ Eurovisión: así le está yendo a los fondos de Bolsa europea más poderosos en 2025 https://www.finect.com/usuario/eduardogarcia/articulos/eurovision-asi-le-esta-yendo-a-los-fondos-de-bolsa-europea-mas-poderosos-en-2025 ➡️ Así le va a los fondos de inversión católicos en 2025 tras la elección de León XIV como Papa https://www.finect.com/usuario/eduardogarcia/articulos/asi-le-va-a-los-fondos-de-inversion-catolicos-en-2025-tras-la-eleccion-de-leon-xiv-como-papa *Este contenido se ha elaborado bajo un criterio editorial y no constituye una recomendación ni propuesta de inversión. La inversión contiene riesgos. Las rentabilidades pasadas no son garantía de rentabilidades futuras.*

L'espai cultural del 'Cubelles a les 10', que adquireix personalitat pròpia com a programa. L'espai segueix estan presentat i dirigit per Josep Lluís Villanueva, ara com a col·laborador de Ràdio Cubelles. A l'equip del programa compta amb Mònica Muntaner, a la secció de teatre i dansa; Charo González, especialista en novel·la negra i dues noves incorporacions: La nova biblioteca municipal, que farà una càpsula setmanal sobre recomanacions de llibres i actes que es facin a les seves instal·lacions. Així com l'espai de cine 'Agitat, no barrejat', conduit per Joan Soler, que ha reduït el seu format per tal d'adaptar-se a la durada del programa. Le Weekend, que s'emetrà el divendres de 10 a 11h, també farà un repàs a l'agenda cultural del cap de setmana i comptarà amb entrevistes puntuals, sempre al voltant de la Cultura. podcast recorded with enacast.com

Una discusión a fondo de las principales noticias del acontecer diario de Cuba y el mundo, con la conducción de los periodistas Amado Gil y José Luis Ramos | Hoy, en la Tertulia de Las Noticias Como Son: | Los expertos aconsejan deshacerse de la MLC y ahorrar en dólares, sin descartar el peso cubano | La Habana topa los precios de las inversiones constructivas y los privados ponen el grito en el cielo | Carolina Barrero: “No queremos más reuniones escondidas en La Habana” | Invitados: Reinaldo Escobar, escritor y periodista de 14yMedio, La Habana y Dimas Castellanos, escritor, periodista independiente | Comentarios en Audio: Omar Everleny Pérez Villanueva, economista, La Habana y Carolina Barrero, Directora ONG, Ciudadania y Libertad..

Federico habla con Meri Villanueva, víctima de la DANA desde el programa especial de Es la Mañana en Valencia.Meri Villanueva, afectada por la dana: "Mi padre estuvo abandonado en una valla esperando un rescate que nunca llegó"Paco Cobos Aquí puedes ver 20:11, sobrevivir a la DANA Disponible en el canal oficial de YouTube y en la web oficial de Libertad Digital.

Radio y LIJ en Guadalajara Hemos vuelto al CEIP Gloria Fuertes de Villanueva de la Torre para vivir una fiesta en el Menudo Castillo 644. Lo pasamos fenomenal con las niñas y los niños de 5º de primaria de este estupendo colegio y, gracias a las profes, tuvimos con nosotros a tres autorazos alcarreños (o guadalajareños, lo que prefiráis). Literatura infantil, rincones geniales, proyectos estupendos y muy buen rollo. Todo eso hubo en Guadalajara. Y es que vivimos toda una fiesta en el Menudo Castillo 644. Tuvimos poesía de la buena, alguna reivindicación y muchos buenos momentos estupendos. Por primera vez en nuestro programa charlamos con el narrador Estibi Mínguez (a quien teníamos que haber invitado hace un millón de años). Con él hablamos de ser bilingües del todo y de muchas otras historias interesantes. Nos enteramos de lo importante que es que alguien te conozca bien y sepa cuál es tu talento, por ejemplo. Pero en este Menudo Castillo 644 también tuvimos con nosotros a dos profes de lengua y literatura de secundaria. Las dos son escritoras y, aunque las dos escriben casi siempre para los mayores, fue muy interesante charlar con ellas de libros, de historias y de por qué quieren escribir. Claro, también aprovechamos este capítulo para hablar del Maratón de Cuentos de Guadalajara. También de autores del entorno y de algunas fiestas y ferias literarias que no os podéis perder. Disfrutadlo, es un programa hecho con mucho cariño y con un montón de momentos geniales.

El nuevo Papa

Alex Villanueva is the 33rd Sheriff of Los Angeles County. He is the first Spanish-speaking sheriff in the county. In 2018, retired sheriff's lieutenant Villanueva defeated incumbent Sheriff Jim McDonnell, becoming the first to unseat the incumbent in over 100 years. Sheriff Villanueva became the first Democratic Sheriff in LA County in almost 140 years. Really fun interview with some great war stories from the LASD! ProForce Law Enforcement - Instagram @proforcelawenforcement / 1-800-367-5855 Special Discount Link for TPS listeners!       http://tps.proforceonline.com Alex's Website https://alexvillanueva.org/ Contact Steve - steve@thingspolicesee.com Support the show by joining the Patreon community today! https://www.patreon.com/user?u=27353055  

Bienvenidos a Andalucía Informa, un podcast de Europa Press. En este espacio podrás conocer en unos minutos las noticias más relevantes de nuestra comunidad. Hoy es 29 de abril y estas son algunas de las informaciones más destacadas en nuestra agencia. El Gobierno informa del "restablecimiento total del 100%" del sistema eléctrico en Andalucía 24 horas después del apagónAuxiliadas 700 personas atrapadas en tres trenes en Villanueva de Córdoba y otras 50 en Cortes de la Frontera (Málaga)La falta de suministro por el apagón mantiene casi "paralizado" el parque industrial de Cosentino en Cantoria (Almería)Recuerda que puedes encontrar estas y otras muchas noticias en la sección de Andalucía en nuestra web europapress.es. 

ICYMI: Hour One of ‘Later, with Mo'Kelly' Presents – Thoughts on the SoCal shoreline warnings of toxic algae killing marine animals along the coast, former L.A. Sheriff Alex Villanueva's bid to head the LA Metro Police Department AND California's ranking as the fourth-largest economy in the world - on KFI AM 640…Live everywhere on the iHeartRadio app & YouTube @MrMoKelly

Sebastian Villanueva, youtuber que viaja por el mundo en moto @laciudadquelate 23-4-2025

If you're listening to this on Wednesday April 23rd, there's still time for you to join us Tonight for our live storytelling event at 6:30pm in Highland Park, get free tickets at tamarindopodcast.com/liveWe met with representatives from the Illinois Legislative Latino Caucus Foundation to talk about their 2025 Raices Report and how it helps advance a community-driven policy agenda for Latinos in Illinois and why it matters beyond that state.Celina Villanueva, a proud Chicago native, serves as the State Senator for Illinois' 12th District and co-chair of the Illinois Legislative Latino Caucus Foundation. At her core, she is a community organizer, always working to amplify the voices of those she represents in Springfield.Passionate about environmental justice and raising awareness for domestic violence, Celina continues to champion these causes.Oswaldo Alvarez is a Chicago native who currently serves as the Executive Director of the Illinois Legislative Latino Caucus Foundation (ILLCF), where he oversees all programs, operations, and organizational development.  Before joining the ILLCF, Alvarez was appointed by Governor JB Pritzker as Illinois' inaugural Census Director. In this role, he led the state to achieve its highest self-response rate ever, ranking first among states with over nine million residents. Fluent in Spanish, he has dedicated his career to serving and uplifting the Latino community in Illinois.Tamarindo is a lighthearted show hosted by Brenda Gonzalez and Delsy Sandoval talking about politics, culture, and self-development. We're here to uplift our community through powerful conversations with changemakers, creatives, and healers. Join us as we delve into discussions on race, gender, representation, and life! You can get in touch with us at www.tamarindopodcast.comBrenda Gonzalez and Delsy Sandoval are executive producers of Tamarindo podcast with production support by Karina Riveroll of Sonoro Media. Jeff Ricards produced our theme song. If you want to support our work, please rate and review our show here.SUPPORT OUR SHOWContribute to the show: https://www.paypal.com/paypalme/tamarindopodcast1Follow Tamarindo on instagram @tamarindopodcast and on twitter at @tamarindocast 

¡Atención equipos de auditoría, riesgos y control interno! En el nuevo episodio de Auditando y Controlando, hablamos de cómo transformar los hallazgos de auditoría en acciones estratégicas que generen valor real para la organización.Nuestro host, Héctor Villanueva, comparte ejemplos, metodologías y roles específicos que debe asumir cada nivel del equipo de auditoría para que las observaciones no se queden en el papel, sino impulsen mejoras concretas, alineadas al negocio.Escúchalo ahora y aprende a convertir reportes en decisiones de alto impacto. https://linktr.ee/auditandoycontrolando

Imagine facing a slow, agonizing death as the consequence for your sin. Something as barbaric as wearing a crown of thorns, being naked, spit upon, and being hanged on the cross. But then, picture Jesus stepping in, taking your place, bearing the shame, sorrow, and sickness that you deserved. He endured the most terrible punishment so you could have peace with God.Join Ptr. Jovi Villanueva-Binalla in this podcast, "Jesus: the Ultimate Substitue," as she explores the profound reality of Jesus' sacrifice on the cross. Listen and take heart as it offers a relevant perspective that can impact your relationship with Christ. 

Finaliza una semana santa en nuestra provincia con la mayor parte de las cofradías en las calles de la capital. El Señor resucitado puso el punto y final por las calles del barrio de la hispanidad tras unos días que también han agradecido turistas y hosteleros. Sin tiempo para descansar, ya está en marcha desde ayer en el Andévalo la primera romería de Andalucía, la de la Virgen de Piedras Albas. Los piedralberos de los municipios de El Almendro y Villanueva de los Castillejos ya celebran en torno a la ermita de su patrona, en el Prado de Osma.En deportes, el Recreativo de Huelva está en una situación crítica tras caer con el Real Madrid Castilla. Está a tres puntos de la permanencia en Segunda RFEF a falta de cinco jornadas. Y en baloncesto, el Ciudad de Huelva disputará finalmente el Play-out de descenso a Tercera FEB tras ganar al Córdoba en casa.Y hoy, les traemos, en formato de reportaje, un recorrido por el Centro de la Comunicación Jesús Hermida de Huelva, un espacio museístico único en España y uno de los tres que hay en Europa dedicado al periodismo.Escuchar audio

Las tormentas, acompañadas de granizo, provocaron ayer importantes daños en frutales de las Vegas Altas del Guadiana, sobre todo en localidades como Villanueva de la Serena, Entrerrios o Valdetorres entre otras "Hay numerosos daños que ahora empezamos a cuantificar, hay fincas grandes afectadas al 100%", asegura Herminio Iñiguez, presidente de la Asociación de Agricultores y Ganaderos de Villanueva de la Serena (Agryga). El granizo ha afectado a los frutales cuando empezaban a cuajar los primeros melocotones y ciruelas. Además, las lluvias persistentes están retrasando la plantación del tomate.

You've heard the story of MB2 Dental—but maybe not like this. Dr. Chris Steven Villanueva, the company's Founder and CEO — or “Dr. V”, as most know him, shares how a childhood shaped by discipline and disruption, a last-minute decision to enter dentistry, and a tight circle of friends led to the country's most respected dental partnership organization. Along the way, he reflects on putting his family and his doctor partners first—even as the company scaled. This one's about leadership, legacy, and staying grounded when things get big.   ------------------------------------------------------------------------  Subscribe & Listen: Spotify: https://open.spotify.com/show/69Dz26hgC9D6YqwN8JMDBV Apple Podcast: https://podcasts.apple.com/us/podcast/mb2-underground/id1747349567 ---------------------------------------------------------------------- Follow MB2 Dental on Social: MB2 Dental: mb2dental.com Instagram: instagram.com/mb2dental Facebook: facebook.com/mb2dental YouTube: youtube.com/@mb2dental LinkedIn: linkedin.com/mb2-dental

What's the unstoppable authority behind the name of Jesus?  Join us on this week's podcast as Bro. Eddie C. Villanueva explores the powerful truth that Christ's name is a strong tower we can all take refuge in!  Listen now and discover the extraordinary miracles God performed when His people invoked "The Power of the Name of Jesus." 

Join me for episode 421 of the Mobile Tech Podcast with guest Michael Josh Villanueva of GadgetMatch -- brought to you by Mint Mobile. In this action packed episode, we review Apple's iPhone 16e in depth alongside ASUS' excellent Zenbook A14, and share our first impressions on the Nintendo Switch 2. We then dive into the latest news, leaks, and rumors from Google, Samsung, Motorola, Oppo, OnePlus, Realme, Vivo, Nothing, MediaTek, and Qualcomm... Phew!Episode Links- Support the podcast on Patreon: https://www.patreon.com/tnkgrl- Donate / buy me a coffee (PayPal): https://tnkgrl.com/tnkgrl/- Support the podcast with Mint Mobile: https://mintmobile.com/mobiletech- Michael Josh Villanueva: https://www.threads.net/@michaeljosh- MJ's Apple iPhone 16e review: https://www.youtube.com/watch?v=RKMiOZ7qLJk- ASUS ZenBook A14 review: https://www.cnet.com/tech/computing/asus-zenbook-a14-review-the-best-copilot-plus-pc-so-far/- MJ's Nintendo Switch 2 first impressions: https://www.youtube.com/watch?v=Db4fA-Sym5o- Google Pixel 9a now coming April 10: https://www.gsmarena.com/the_pixel_9a_finally_has_an_availability_date-news-67158.php- Google Pixel 10 series camera specs leak: https://www.gsmarena.com/google_pixel_10_to_get_an_overhauled_camera_system_10_pro_fold_sees_minor_changes-news-67235.php- Samsung Galaxy S25 Edge May 13 launch date rumor: https://www.gsmarena.com/samsung_galaxy_s25_edges_new_launch_date_leaks-news-67238.php- Samsung Galaxy Z Flip7 and Z Flip FE renders leak: https://www.gsmarena.com/samsung_galaxy_z_flip7_to_get_a_full_cover_display_flip_fe_to_keep_the_current_one-news-67148.php- Moto Razr 60 Ultra promo materials leak: https://www.gsmarena.com/motorola_razr_60_ultra_promo_materials_confirm_its_flagship_chipset-news-67236.php- Oppo Find X8 Ultra and X8s series teaser video: https://www.gsmarena.com/oppo_posts_find_x8_ultra_and_x8s_teaser_video_will_hold_oppo_2025_imaging_tech_night_tonight-news-67209.php- Oppo Find X8 Ultra and X8s series official renders: https://www.gsmarena.com/oppo_reveals_find_x8_ultra_find_x8s_duo_in_official_renders-news-67163.php- OnePlus 13T specs leak: https://www.gsmarena.com/oneplus_13t_key_specs_antutu-news-67225.php- Realme GT7 specs leak: https://www.gsmarena.com/realme_gt7_battery_size_charging_speed_key_specs-news-67222.php- Vivo X200 Ultra camera samples: https://www.gsmarena.com/new_vivo_x200_ultra_camera_samples_show_off_the_phones_portrait_photography_skills-news-67227.php- Vivo X200 Ultra camera button teaser: https://www.gsmarena.com/heres_the_vivo_x200_ultra_dedicated_camera_button_-news-67147.php- Nothing CMF Phone 2 teaser: https://www.gsmarena.com/nothing_teases_cmf_phone_2-news-67231.php- MediaTek Kompanio Ultra: https://hothardware.com/news/mediatek-kompanio-ultra-chromebooks-on-device-ai- Qualcomm Snapdragon 8s Gen 4: https://www.gsmarena.com/qualcomm_snapdragon_8s_gen_4_announced_with_kryo_cpu_adreno_825_gpu-news-67213.php

On Episode 303 of the Enormocast I sit down with one of the most compelling and somewhat enigmatic climbers of our times: Sean Villanueva O'Driscoll. It was a multi-year dance, but we finally sat down puss-a-puss in the Canadian Rockies at the Banff Mountain Film Festival. Sean is known for his big wall antics across … Continue reading "Enormocast 303: Sean Villanueva O'Driscoll – A Very Particular Set of Skills"

El duelo es el proceso natural que vivimos tras la pérdida de algo o alguien significativo: una persona, una relación, una etapa de vida, incluso la salud. Es un camino emocional que incluye tristeza, confusión, enojo, culpa y, en algunos casos, hasta alivio... y ninguna emoción está mal. Por eso quiero invitarte a que no te pierdas el episodio de esta semana, en donde en compañía de una tanatóloga, hablamos sobre este proceso tan necesario de conocer y transitar. ¡Te esperamos!...@aliciavillanuevatanatologa

Sometimes Karma is Worse Than a Poison Apple This week on the podcast, Brian and Darryl are talking about the latest episode of Daredevil: Born Again, the penultimate episode of Reacher season 3, and the absolute BOMB of Snow White at the box office, and what Disney should do to recover. Episode Index Intro: 0:07 Snow Brown: 4:19 Daredevil: 22:43 Reacher: 36:27 Snow White Box Office News Disney's live-action remake of “Snow White” has experienced a disappointing performance at the box office. The film debuted with approximately $43 million in domestic earnings and a global total of around $87 million, both figures falling short of initial projections. Snow White Gets BRUTAL News As NEW Rachel Zegler Video GOES VIRAL & Makes Things WORSE For Disney https://www.youtube.com/watch?v=8qVfLvS_X2A Daredevil: Born Again (Disney+) Out of 5 Punisher Brand Sewer Bullets Darryl: 3.6/5 Brian: 3.6/5 Episode Title: Sic Semper Systema Director: Jeffrey Nachmanoff Writer: David Feige & Jess Wigutow Air Date: March 18, 2025 Summary: Murdock is confronted by Ayala’s niece, Angela del Toro, who believes the police are responsible for Ayala’s death. Murdock comforts her with hope that the killer will be brought to justice. At marriage counseling, Fisk and Vanessa discuss her affair with Adam and Glenn privately asks Vanessa if she feels safe around Fisk. Fisk’s plan to rebuild the city’s ports faces several hurdles, including bureaucratic procedures, gang in-fighting, and his protégé Daniel Blake drunkenly leaking details to BB who reports that Fisk is a union buster. Despite his anger, Fisk decides not to fire Blake when the latter expresses his deep loyalty. Murdock investigates the site of Ayala’s murder and finds a bullet casing with the Punisher’s symbol on it. He tracks down Castle and suggests that he should take responsibility for those who are misusing the Punisher symbol. Castle calls out Murdock for not killing Dex as retribution for Nelson’s death. Later that night, Murdock practices with his Daredevil billy clubs, Fisk eats dinner next to an imprisoned Adam, and the masked serial killer Muse drains blood from a victim. Reacher (Prime Video) Out of 5 You Just Can’t Call in the ATFs Darryl: 3.91/5 Brian: 4.1/5 Episode Title: L.A. Story Director: Sam Hill Writer: Penny Cox & Cait Duffy Air Date: March 20, 2025 Summary: Neagley interrogates Costopoulos, who tells her that Quinn murdered a family when business went wrong and is about to do the same to the Beck family. Reacher and Duffy, in Los Angeles, track down a drug dealer, Darien Prado, before having sex. Reacher and Duffy intercept Darien at a club and blackmail him into cooperating. He calls Zachary to meet, only for Reacher and Duffy to betray him. Zachary meets with Neagley, at Reacher’s command, and tells her that he and his son are in danger. Quinn visits a captive Teresa. Reacher and the team discover that the weapons are being sold to Yemeni buyers and that a terrorist act will be carried out in the United States. Zachary apologizes to Richard for his wrongdoing and says he will protect him at all costs. Zachary informs Reacher of the time and place of the exchange. Duffy and Villanueva involve the ATF, much to Reacher’s reluctance. On a call with Neagley, Reacher learns the exchange is actually taking place at Zachary’s house, and the place they are at is a setup. Contact Us The Infamous Podcast can be found wherever podcasts are found on the Interwebs, feel free to subscribe and follow along on social media. And don't be shy about helping out the show with a 5-star review on Apple Podcasts to help us move up in the ratings. @infamouspodcast facebook/infamouspodcast instagram/infamouspodcast stitcher Apple Podcasts Spotify Google Play iHeart Radio contact@infamouspodcast.com Our theme music is ‘Skate Beat’ provided by Michael Henry, with additional music provided by Michael Henry. Find more at MeetMichaelHenry.com. The Infamous Podcast is hosted by Brian Tudor and Darryl Jasper, is recorded in Cincinnati, Ohio. The show is produced and edited by Brian Tudor. Subscribe today!

Nos platican de la telenovela "Juegos de Amor y Poder". See omnystudio.com/listener for privacy information.

Les tenemos preparado un programa super entretenido donde vamos a tener platicas muy interesantes y muchos datos que no lo vas a creer.See omnystudio.com/listener for privacy information.

Hola amigos!, welcome back to Spanish Loops! Today, we're digging into the life of Miguel Servet, a 16th-century Spanish polymath. Born around 1511 in Villanueva de Sigena, Aragon, Servet was a theologian, physician, and humanist. He had a knack for languages, mastering Latin, Greek, and Hebrew early on. His academic journey took him to Toulouse for law and later to Paris for medicine.​Servet's medical insights were groundbreaking. He was among the first Europeans to describe pulmonary circulation, detailing how blood moves from the heart to the lungs and back—a revelation that challenged existing beliefs.​But it was his theological views that stirred the pot. In works like "De Trinitatis Erroribus" (1531), he questioned the concept of the Trinity, ruffling feathers in both Catholic and Protestant circles. Facing backlash, he adopted the pseudonym Michel de Villeneuve and relocated to France.In 1553, Servet published "Christianismi Restitutio," further challenging mainstream theology and including his findings on blood circulation. This led to his arrest and trial in Geneva, where, under John Calvin's influence, he was condemned for heresy and burned at the stake on October 27, 1553.​Servet's legacy is profound, influencing religious tolerance debates and advancing medical science.That's it for today's episode on Miguel Servet. Stay curious, and keep looping in!

In Illinois, March 25, 2025, is designated as Equal Pay Day to highlight ongoing wage disparities, as stated by State Senator Celina Villanueva. Despite the Equal Pay Act of 1963, the pay gap persists, with women earning significantly less than men. Senate Resolution 158 emphasizes the disparities for various groups: Asian American women reach parity on April 7th to bridge the gap, Black women until July 10th, and Native Hawaiian and Pacific Islander women until Aug. 28th. Latinas must work until Oct. 8th, Disabled women until Oct. 23rd, and Native women until Nov. 18th. Moms face a significant pay gap as well, with their Equal Pay Day falling on May 6th, and LGBTQIA+ individuals must work until June 17th. The resolution encourages public awareness and action to address these inequalities. Villanueva stresses the importance of closing the wage gap for economic justice and equity in Illinois.

As part of a Community Health series on The Valley Today, host Janet Michael welcomes Dr. Sophia Villanueva, a fellowship-trained colorectal surgeon with Valley Health Surgical Oncology in Winchester. The discussion highlights March as Colon Cancer Awareness Month and covers key topics such as the rise in early-onset colon cancer, the importance of screenings, and preventive measures. To begin, Dr. Villanueva emphasizes that colon cancer, once considered a disease predominantly affecting older adults, is now increasingly being diagnosed in people younger than 50. "We have seen a rise in early onset of colon cancer. Our guidelines have changed now, so screening starts at age 45," states Dr. Villanueva. Addressing the potential causes of this alarming trend, Dr. Villanueva explains that while some cases have a family history, the majority are sporadic, tied to environmental factors, diet, and lifestyle. "Obesity, not having enough fiber, eating highly processed meat and food, higher fat content in our diet, increased alcohol intake, and smoking all contribute to higher risks," she notes. The conversation shifts to the symptoms of colon cancer. Dr. Villanueva highlights that symptoms often include anemia, changes in bowel habits, abdominal discomfort, rectal bleeding, and unexplained weight loss. "It's important not to dismiss these symptoms, even if you're younger than 50," she advises. When discussing the benefits of early detection, Dr. Villanueva stresses that prompt treatment vastly improves survival rates. "About 90% of colon cancer cases can be treated successfully if caught early," she says. She highlights the importance of routine colonoscopies, describing them as both diagnostic and therapeutic. Janet and Dr. Villanueva delve into the colonoscopy process, aiming to dispel common fears. They explain that the most uncomfortable part is usually the bowel prep, which involves clearing the intestines. "You get sedated during the procedure, and it's not uncomfortable at all," reassures Dr. Villanueva. The conversation also covers alternative screening methods like stool tests. However, Dr. Villanueva underscores that colonoscopies remain the gold standard, as they allow for the removal of polyps during the procedure itself. If diagnosed with colon cancer, the primary treatment is surgery, especially if the cancer hasn't spread to other organs. Dr. Villanueva points out the advancements in minimally invasive, robotic surgeries that ensure quicker recovery, less pain, and faster return to daily activities. "Most people can go home within two to three days after surgery," she explains, highlighting the Enhanced Recovery After Surgery (ERAS) protocols that have revolutionized patient outcomes. The discussion concludes with a fascinating mention of an inflatable colon exhibit at Winchester Medical Center on March 24th, designed to raise awareness and educate the public about colon cancer. Dr. Villanueva encourages everyone to participate, promising an informative and engaging experience. The inflatable colon exhibit is part of Valley Health's initiative to promote colorectal cancer awareness during National Colorectal Cancer Awareness Month. After its debut at WMC, the exhibit will travel to other Valley Health campuses to continue educating the community. Visitors can walk through the inflatable colon to get a close-up look at healthy colon tissues, tissue with non-malignant colorectal diseases, and tissue with various stages of colorectal cancer. In wrapping up, Dr. Villanueva emphasizes, "If people get their routine colonoscopy, we can save 40,000 lives every year. It's crucial to spread the word that 45 is the new 50 for colon cancer screenings."

Tras un fin de semana que nos ha dejado un respiro, la borrasca Lawrence trae de nuevo precipitaciones en la provincia. Desde la medianoche está activado el aviso amarillo por lluvias en toda la provincia de Sevilla. En la capital están cerrados los parques y estamos muy pendientes del estado de los ríos. A esta hora está en nivel rojo el río Guadamiar a su paso por Gerena y El Guijo. También lo está el río Huesnar en Villanueva del Río y el Guadalquivir en Villaverde.Todo en un lunes 17 de marzo donde Pedro Sánchez asiste junto a Juanma Moreno a la entrega de llaves de 218 viviendas públicas asequibles en el barrio de Torreblanca de Sevilla.En deportes, cara y cruz para los equipos sevillanos. El Betis consigue su quinta victoria consecutiva en liga y se asienta en puestos europeos, mientras que la derrota del Sevilla les aleja de volver a Europa. Las noticias de Sevilla con Marta Sánchez y Ángel MontanerEscuchar audio

Juan Latorre es el nuevo secretario general del PSOE de Jaén. El actual alcalde de Arjona ha logrado la victoria de las primarias en el partido con más del 54% de los votos, frente a Ángeles Férriz, la otra candidata al puesto, que ha conseguido el 45%. El PSOE de Jaén se han enfrentado por primera vez a una primarias para elegir la nueva Secretaría General tras 106 años de historia. La Universidad de Jaén va a implementar en Villanueva del Arzobispo un plan para mejorar la calidad del aire a través de la gestión del arbolado. En este informativo hablamos con Antonio Manzaneda, el promotor de este proyecto. Repasamos también la actualidad deportiva y cultural del fin de semana. Escuchar audio

El equipo juvenil del Real Zaragoza, dirigido por Javier Garcés, se enfrentará el domingo a las 12:00 horas en el Municipal Villanovense de Villanueva de la Serena al FC Barcelona de Juliano Belleti. Será la quinta final que juegue el conjunto aragonés en busca de su primer título copero en juveniles. De esta hazaña hablamos con Carlos Rojo y Raúl Goni, el entrenador y el central de la última final que jugaron los juveniles zaragocistas. Además, en el primer equipo, el entrenador Miguel Ángel Ramírez hablará el viernes en la previa del partido del sábado en Almería y en la SD Huesca hará lo propio el técnico Antonio Hidalgo que el domingo reciben el Levante. En el tiempo de opinión analizamos a los dos equipos con Óscar Marco y Néstor Pérez. En el tramo final del programa nos atiende la capitana del CH Jaca, Elena Paules, que el sábado disputan el primer partido de los cuartos de final de la Copa de la Reina.

All The Marks Than You Can Shake A Stick At This week on the podcast, Brian and Darryl are talking about Reacher Season 3, so far. And The Invincible War… no Episodes 5 and 6 NEVER happened. Episode Index Intro: 0:07 Invincible: 9:54 Reacher: 26:28 Invincible (Prime Video) Out of 5 The Invincible War Was Crazys Darryl: 4.45/5 Brian: 4.5/5 Episode 7: What Have I Done? Director: Haylee Herrick Writer: Robert Kirkman Air Date: March 6, 2025 Summary: Angstrom sends his Invincible variants to destroy Earth and tarnish Mark’s image. The GDA, the Guardians, and Earth’s heroes are overwhelmed and suffer heavy losses. Eve is incapacitated; Rex sacrifices himself to save Rudy, Monster Girl, and Bulletproof; Darkwing II is presumed dead; and the Immortal, Kate, Samson, and Shapesmith are wounded. When the surviving Invincibles turn on Angstrom, he traps them on a desolate Earth before battling Mark. Mark overpowers and nearly kills Angstrom, but he escapes to the Technicians, advanced cybernetic surgeons who previously healed him. Angstrom orders them to fix his wounds, but they refuse, demanding he submit to their will. In the aftermath of Angstrom’s attack, an aged Viltrumite envoy named Conquest arrives to survey Mark’s subjugation of Earth for the Viltrum Empire and is disappointed by his lack of progress. Devastated by the destruction and deaths directed at him, Mark charges at Conquest to vent his rage. Reacher Season 3: Episodes 1-5 (Prime Video) Out of 10 Out of 10 Reacher is So Unstoppable, Gravity is Just a Suggestions Darryl: 7/10 Brian: 7.76/10 Episode 1: Persuader Director: Sam Hill Writer: Scott Sullivan Air Date: February 20, 2025 Summary: In Maine, Reacher saves a man from a kidnapping attempt by shooting the kidnapper. When Reacher accidentally shoots a cop, a police chase ensues. The man, whose name is Richard Beck, reveals to Reacher that someone had kidnapped him before and that his father only paid the ransom when his ear was amputated. Richard takes Reacher home to see his father, Zachary Beck. Reacher meets with Zachary, who thanks him for saving his son but is suspicious of him. Zachary offers Reacher a job if he plays Russian roulette, which he does. Reacher is working undercover for Susan Duffy, a DEA agent who recruited him to find a missing undercover agent, Teresa Daniels, in exchange for helping Reacher deal with a previous nemesis, Lieutenant Colonel Francis Xavier Quinn. To put Reacher undercover, they stage Richard’s kidnapping, with the kidnapper and the cop being DEA agents (Steven Eliot and Guillermo Villanueva) working with Duffy. Reacher sneaks into the garage at night, where he finds and reveals to Duffy that Teresa was there. Episode 2: Truckin' Director: Sam Hill Writer: Penny Cox Air Date: February 20, 2025 Summary: When Duffy learns from Reacher that Teresa is in danger, she beats up the bodyguard they are holding captive to find out what they plan to do with Teresa, but the bodyguard claims he does not know. Reacher has a brief scuffle with hulking bodyguard Paulie before Zachary’s head guard, Chapman Duke, sends Reacher to check out the hijacked cars. Reacher calls Duffy to tell her that it may be a problem for the kidnapping story; Duffy goes to the car yard to retrieve one of the cars. One of Zachary’s associates, Angel Doll, notices the bodyguard’s car but doesn’t see Duffy changed the license plate. Duke orders Reacher to take a truck to New London, Connecticut. Reacher calls Neagley to investigate the people he works with. Reacher meets with Duffy to check the trailer for drugs or Teresa’s body, but they only find carpets. Back in Maine, Doll questions Reacher about his actions at the yard and in the kidnapping, and when Doll tries to tell Duke about his suspicions, Reacher slams his head onto a table, killing him. Episode 3: Number 2 with a Bullet Director: Gary Fleder Writer: Cait Duffy Air Date: February 20, 2025 Summary: After returning from New London, Reacher meets with Zachary over a message from Doll. Reacher tries to make him believe that his partners are trying to betray him and that they should kill them, but Zachary doesn’t listen. After this, Reacher tells Duffy that he has a car ready to go back to the warehouse where he killed Doll. When Reacher arrives at the meeting point, Duffy tells him she will go with him to find Teresa, to which Reacher reluctantly agrees. At the warehouse, Reacher and Duffy search for Teresa and clean up Doll’s remains; two men arrive, and Reacher and Duffy kill them. Duffy keeps Doll’s laptop. The next day, Reacher has to be with Richard in town. Reacher defends him from some thugs, and Richard tells him that Zachary’s boss, Julius McCabe, threatened him and his father. When Reacher returns home, he goes with Duke and Zachary to a cabin, the kidnapper’s hiding spot. Reacher takes the opportunity to kill Duke, fake a shootout and blow up the house; in the car, he wins over Zachary and becomes his number two. Episode 4: Dominique Director: Sam Hill Writer: Lillian Wang Air Date: February 27, 2025 Summary: Reacher heads to Duffy’s house after gaining Zachary’s trust. He discovers that Julius McCabe is Xavier Quinn, whom he believed to be dead. Following the revelation, Reacher tells Duffy how he received a new partner, Dominique Kohl, to investigate a case involving Gorowski. They eventually force Gorowski to tell them that he works for Quinn, selling state secrets because Quinn threatened his family. Reacher and Kohl, along with Anthony Frasconi, intercept one of Quinn’s buyers, a Syrian businessman, Safwan Qasim, whom they force to assist in capturing Quinn. Having evidence to prosecute him, Reacher allows Kohl to arrest Quinn. Quinn instead kidnaps Kohl. In his search for her, Reacher finds Frasconi dead in a house, and later finds Kohl’s bloody body hanging in a cabin; Quinn brutally murdered her. Reacher finds Quinn and shoots him in retaliation, apparently killing him. Back in the present, Zachary sends Reacher to a factory where they have located Doll’s laptop and where Duffy is. Reacher heads to the factory as three of Quinn’s men arrive there. Episode 5: Smackdown Director: Norberto Barba Writer: Scott Sullivan Air Date: March 6, 2025 Summary: When Reacher can’t contact Duffy, he calls Eliot to call the company’s number. When Eliot calls, a gunfight breaks out between Quinn’s men and Duffy and Villanueva; Reacher helps Duffy and Villanueva escape. At the cabin, the captive bodyguard takes advantage of Eliot’s mistake to kill him and escape. After discovering that the feds are spying on them, Quinn’s men move into the house. When Duffy finds Eliot dead and the bodyguard has escaped, she calls Reacher to tell him so and get him out of the house, but Reacher formulates a plan involving Villanueva. Duffy cuts the power and Reacher uses Villanueva as bait to kill the bodyguard. Back at the house, Zachary informs Reacher that Annette, the maid, was an ATF infiltrator and that Paulie has killed her. Reacher tells Duffy that several Feds are spying on them and that Quinn is dealing in firearms, not drugs. The next morning, Zachary informs Reacher that they have been summoned to a factory. Reacher and Zachary arrive there just as they are about to meet Quinn. Contact Us The Infamous Podcast can be found wherever podcasts are found on the Interwebs, feel free to subscribe and follow along on social media. And don't be shy about helping out the show with a 5-star review on Apple Podcasts to help us move up in the ratings. @infamouspodcast facebook/infamouspodcast instagram/infamouspodcast stitcher Apple Podcasts Spotify Google Play iHeart Radio contact@infamouspodcast.com Our theme music is ‘Skate Beat’ provided by Michael Henry, with additional music provided by Michael Henry. Find more at MeetMichaelHenry.com. The Infamous Podcast is hosted by Brian Tudor and Darryl Jasper, is recorded in Cincinnati, Ohio. The show is produced and edited by Brian Tudor. Subscribe today!

Jean Villanueva, conocido como El Panda que Anda, es un influencer, actor y locutor dominicano. Es conductor del programa radial What The 40 y anfitrión del popular Cuéntale Al Podcast, donde comparte experiencias y anécdotas con su amiga Irma García Moore. También es productor de Panda Rosa RD, un proyecto que refleja su versatilidad en el entretenimiento.

Wednesday Prayer MeetingMarch 05, 2025Guest Speaker: Ptr Arnel Villanueva

FoMO del 08/03/2025 - FoMO, la playlistHoy en FoMO:#TurismoSeco y lugares donde tengas el pelo espléndido (dejen sus sugerencias en los comentarios), elige tu propio pelo, la verdulería es el nuevo Zara, UnREAL, Tomi Lago, se viene el apocalipsis pero a paso de homo, perdió El Brutalista y ganó La Putalista, Mikey Madison, Better Things con Pamela Adlon, Oscars para TODAS, Common Side Effects, Global RadioX, borrar caché en Spotify, La radio de Peggy Gou, Tidal por 500 pesos por mes, ganas de peinar a Navaja Crimen, ¿la gatearon a Mecha? dudosísimo, prehistoria de internet: la página de estados de actividad de la gente que seguías, RedNote el (otro) TikTok chino, Bluesky vs Truth, el maquillaje de las Trumpistas: ¿hay algo de New Jersey?, Busquen “GlitterGate” si quieren perder mucho tiempo en una teoría conspirativa sobre la brillantina, Gran Theft Hamlet en Mubi, Romeo + Julieta (la de DiCaprio), Sean Baker's Tangerine, ¿Por qué no ganó Civil War?, los huevos en EEUU, FomoToFollow a-la-Erivo, White Lotus temporada 3, la nota a Cristobal Tapia de Veer (el que hace la música de The White Lotus) https://www.youtube.com/watch?v=xMYPAxSiuMo, Aimee Lou Wood (la de los dientitos) generando contenido alrededor de The White Lotus, Severance (el nuevo Lost) y el podcast de Ben Stiller (sobre el universo de la serie), los “nuevos” influencers con data de primera mano, el X del director de Flow: https://x.com/gintszilbalodis/, SHOP CATS en TikTok: https://www.tiktok.com/@shopcatsshow, MaccMix Motovlog y sus observaciones diarias: https://www.youtube.com/@MaccMixMOTOVLOG, Sebastián Villanueva (de Ushuaia a Alaska en moto): https://www.youtube.com/@Seba.adventure, Godzilla en Santa Fe: https://x.com/alexanderdure, Limp Bizkit en Shrek 5? TAL VEZ!, Megan Thee Stallion para pelearse? Raaaaro, LADY GAGA EN RIO GRATIS el 3 de mayo: ¿vamos a robar?, Katy Perry vs Lady Gaga en México, Katy Perry y un cohete de besos? No, de Bezos, low-key-gerontofobia by Mecha, Zane Lowe: a Gaga https://www.youtube.com/watch?v=ts-r3J0uqdk y a Messi https://www.youtube.com/watch?v=VC-lJrNaQH4, (un beso a los pelados), [FE DE ERRATAS]: Apple TV+ sale 7 dólares por mes y el SeasonPass de la MLS (AKA: ver a Messi en el Inter) sale 2 dólares por mes o 3 por temporada, Lady Gaga en el detector de mentiras de Vanity Fair: https://www.youtube.com/watch?v=3EVrS7yU1Qc, y una polemiquísima opinión sobre Rihanna? Tal vez! 

Christ's love meets us where we are, but it never leaves us the same. It's not just about sacrifice; it's about a love that's of superior quality and of the highest standard: God's "Grade A" Kind of Love. In this podcast, Pastor Jovi Villanueva-Binalla takes us on a journey to understand this powerful love.

Margarita Rodríguez Villanueva, especialista en cirugía bucal y medicina estética, nos explica todo sobre el VPH: cómo prevenirlo, detectarlo a tiempo y la importancia de la vacuna. La información es clave para cuidarnos. Conéctate en Tamara con Luz en MVS, de lunes a viernes, de 10:00 AM a 01:00 PM por MVS 102.5 FM.See omnystudio.com/listener for privacy information.

Agradece a este podcast tantas horas de entretenimiento y disfruta de episodios exclusivos como éste. ¡Apóyale en iVoox! Acceso anticipado para Fans - ** VIDEO EN NUESTRO CANAL DE YOUTUBE **** https://youtu.be/ogmcygr8OCA +++++ Hazte con nuestras camisetas en https://www.bhmshop.app +++++ #historia #historiamilitar #españa #conquistadores "E yendo con buen concierto y ordenanza, creyendo que estuviese de guerra, iba el artillería delante y todos subíamos en aquella fortaleza, de manera que si algo acontesciera, hacer lo que éramos obligados. Entonces Alonso de Ávila llevó cargo de capitán; como era soberbio e de mala condición, porque un soldado que se decía Hernando Alonso de Villanueva no iba en buena ordenanza, le dio un bote de lanza en un brazo que le mancó, y después se llamó Hernando Alonso de Villanueva el Manquillo." (Bernal Díaz del Castillo) Numerosos mitos se han ido sumando acerca de la naturaleza de la hueste de Hernán Cortés y de la importancia de sus tácticas y armamento. Desde los estudios que señalaban un determinismo tecnológico y armamentístico a la trivialización completa del papel de Cortés y los propios españoles. En este programa, intentamos arrojar algo de luz al calor de los datos ofrecidos por las crónicas históricas acerca del papel de los hombres y las armas venidas del otro lado del océano. ----------------------------------------------------------------------------------- Puedes apoyar a David Nievas a través de: paypal.me/davidnievas BIZUM: +34) 611 / 27 / 53 / 20." ----------------------------------------------------------------------------------------------------------------------- COMPRA EN AMAZON CON EL ENLACE DE BHM Y AYUDANOS ************** https://amzn.to/3ZXUGQl ************* ------------------------------------------------------------------------------------------------------- LOS LIBROS DE PACO https://franciscogarciacampa.com/libros/ ------------------------------------------------------------------------------------------------------ Si queréis apoyar a Bellumartis Historia Militar e invitarnos a un café o u una cerveza virtual por nuestro trabajo, podéis visitar nuestro PATREON https://www.patreon.com/bellumartis o en PAYPAL https://www.paypal.me/bellumartis o en BIZUM 656/778/825 ---------------------------------------------------------------------------------------------------------------------- Conviértete en miembro de este canal y apoya nuestro trabajo https://www.youtube.com/channel/UCTtIr7Q_mz1QkzbZc0RWUrw/join -------------------------------------------------------------------------------------------------------------------- No olvidéis suscribiros al canal, si aún no lo habéis hecho. Si queréis ayudarnos, dadle a “me gusta” y también dejadnos comentarios. De esta forma ayudaréis a que los programas sean conocidos por más gente. Y compartidnos con vuestros amigos y conocidos. SIGUENOS EN TODAS LAS REDES SOCIALES ¿Queréis contactar con nosotros? Puedes escribirnos a bellumartispublicidad@hotmail.com como por WHATSAP o en BIZUM 656778825 Nuestra página principal es: https://bellumartishistoriamilitar.blogspot.comEscucha este episodio completo y accede a todo el contenido exclusivo de BELLUMARTIS PODCAST. Descubre antes que nadie los nuevos episodios, y participa en la comunidad exclusiva de oyentes en https://go.ivoox.com/sq/618669

En las historias musicales de hoy, la caravana andaluza se detiene en Sevilla para ofrecernos un programa muy especial, con el inconfundible toque de Fernando Neira. El viaje comienza recordando los primeros pasos de Genesis, cuando aún intentaban sonar como los Bee Gees, con su primer y fallido single, The Silent Sun. Un relato que nos transporta a los inicios de la banda, cuando ni Phil Collins ni su icónico sonido formaban parte de su historia. La historia musical también nos lleva a conocer a Alis, un artista andaluz que, aunque todavía no muy conocido, tiene el talento para cambiar su suerte, con canciones como 'Material de disección'. Y el viaje culmina con el relato y la actuación en directo de Marta Santos, una joven sevillana de Villanueva del Río y Minas, que en solo tres años ha logrado cautivar con su interpretación de Las cosas pequeñitas y su reciente éxito Contigo, un amoroso canto a la ciudad de Sevilla. Una travesía musical que nos descubre tanto los inicios de grandes artistas como las nuevas promesas del panorama musical.

This new episode is with Dolores Villanueva, LCSW. Dolores is a mental health therapist, professor, entrepreneur, mental health advocate, and speaker. In our conversation, Dolores shares her life story, her wisdom from navigating adversaries, and healing. To learn more about Dolores check out her IG @letsweavewisdom. Disclaimer: This podcast episode does not treat or diagnose any physical or mental health condition. This episode does not substitute for health care or mental health services of any kind.  Click here to buy my self-published book "INNER CHILD MEDITATION JOURNAL: 21-Day Guide to Connect With Your Inner Child Daily" If you like what you hear and find it helpful on your healing journey, please share it on social media or leave a review. It helps this message reach more people who need it. Thank you all SO much for the support! Follow me on IG @rosashetty Send me an email at rosa.c.shetty@gmail.com and share your thoughts about it, collaborate, and nominate yourself or others as a guest for this show.   #healing #traumahealing  #generationaltrauma    

Even in translation, Psalm 1, a favorite of many, can be appreciated for its art and truth. All the more in Hebrew, through which we can see and hear how the psalmist employs letters, repetition of words, sounds, and other devices to convey meaning. Dr. Frederico Villanueva is Regional Commissioning Editor for Langham Publishing and Scholar Care Coordinator of current Asian Langham scholars. His publications include It's OK to be Not OK: Preaching the Lament Psalms, Psalms 1-72: A Pastoral and Contextual Commentary, and Psalms 73-150: A Pastoral and Contextual Commentary. He teaches at the Asia Graduate School of Theology and Loyola School of Theology in Manila. HEBREW Check out related programs at Wheaton College: B.A. in Classical Languages (Greek, Latin, Hebrew): https://bit.ly/3XaQMEB M.A. in Biblical Exegesis: https://bit.ly/4i722Ka 

En este episodio de Date Crédito Podcast, Gabriela Mitri conversa con la reconocida abogada laboral Marite Villanueva sobre cómo identificar, enfrentar y superar entornos laborales tóxicos. Descubre qué es el mobbing, cuáles son tus derechos legales frente al acoso laboral y qué pasos prácticos tomar para proteger tu bienestar y autonomía profesional.  Marite Villanueva es Fundadora de "Mujeres con Autonomía" y es promotora de la autonomía económica femenina. Ha sido reconocida por The Legal 500 Latinoamérica y Best Lawyers 2025. Marite comparte consejos clave y recursos que toda persona trabajadora debe conocer para vivir en sus propios términos, incluso ante situaciones difíciles.  ¡No te pierdas esta charla poderosa y llena de herramientas para tu desarrollo laboral y personal! Date Crédito es un podcast de Speakhers conducido por Gabriela Mitri. Speakhers es una incubadora de futuras líderes de opinión, y tiene como propósito amplificar las voces de mujeres que impactan. Conoce más sobre Speakhers aquí: https://www.speakhers.co/ y síguenos en Instagram:   / speakhers.co   Sigue a Gabriela Mitri aquí:   / gabimitri   Y únete a nuestro canal de Youtube:    / @speakhers  

Fe hecha canción es el programa de EWTN Radio Católica Mundial que promociona la música de los grupos y cantantes católicos del mundo hispano. Desde el Estudio 3 de Radio Católica Mundial, Douglas Archer comparte con ustedes una hora cargada de canciones, incluyendo las últimas novedades y estrenos, y de vez en cuando con algún invitado que canta o toca en directo.

In this episode, we dive into Karina's Law—a groundbreaking measure to protect domestic violence survivors by closing loopholes in firearm removal. Senator Villanueva shares how this law honors Karina Gonzalez and others affected by similar tragedies, the challenges faced during the legislative process, and what's next in the fight for survivor safety. Tune in to learn how this law will make a difference and what resources are available for those in need.

We are living in an age where there is an overwhelming amount of information. Our moral standards should not come from social media influencers or solely from our feelings. This is why we need to understand the life-giving, life-sustaining, joy-filling, and peace-providing abundance of God's Word.Join Pastor Jovi Villanueva-Binalla as she presents "Bible Meditation: Key to Success," and discover how to unlock stability, sustenance, and sanctification in our spiritual journey. Be sure to tune in to this podcast and share it with family, friends, and life groups!

Happy February!!! This week, we get into a very haunted ship with a VERYYYY dark past called the Star of India. Spooky ookie. Taylor covered the mysterious legend of Clarita Villanueva and her wild exorcism. Email us your stories!!! or if you want to sponsor us ;)  Email - ⁠⁠⁠mysteriesmythslegends@gmail.com⁠⁠⁠  ESTY: ⁠⁠⁠https://www.etsy.com/shop/LuxieandLuna?ref=simple-shop-header-name&listing_id=826447453⁠⁠⁠  We post pictures of our stories every week on instagram!!!! FOLLOW US ON SOCIALS:  Tiktok: @myths_podcast  Instagram: @myths_podcast  Facebook: Mysteries, Myths, and Legends Taylor's Instagram: @teeelive  Savannah's Instagram: @kavannahaha 

Manuel Jabois reflexiona sobre la investigación a los responsables de una urbanización exclusiva de Villanueva de la Cañada, en Madrid, por robar agua a través de pozos ilegales para llenar las piscinas particulares de sus dueños

Dr. David Capes interviewed Dr. Federico Villanueva, regional commissioning editor for Langham Publishing and scholar care coordinator for current Langham Scholars in Asia. He teaches at the Asia Graduate School of Theology and Loyola School of Theology in Manila, Philippines, and is known for his focus on the church knowing the importance of lament as in the Psalms, Lamentations, and other areas of the Bible. Dr. Villanueva grew up in the Philippines. He is married with two children. He shared that lament comes from experiencing difficult situations and rises out of an intimate relationship and need for God. Without expressing lament, we risk losing our faith unless God steps in. The church needs both praises and laments / cries of the people. One should never become used to suffering in the world. During life, we experience a cycle of three seasons: orientation - when life is generally good, disorientation - when experiencing a tragedy, and then new orientation - thanksgiving. Listen to Dr. Federico Villanueva share his heart on how we are to bring our laments to God as prayers for help. There is room to be not-OK in our relationship with God. If we don't express our lament to God and trusted others, we can stifle our growth and intimacy with God and others.

In 1953, 17-year-old Clarita Villanueva was incarcerated in the Philippines. Only a few days into her stay, she began suffering vicious attacks from unseen entities, including bite marks that appeared on her skin out of nowhere. An American pastor led her exorcism, making Clarita's case global news. And to this day, many people believe her story holds more supernatural evidence than any other demonic possession case in history. For a full list of sources, please visit: sosupernaturalpodcast.com/haunted-clarita-villanueva/ So Supernatural is an audiochuck and Crime House production. Find us on social!Instagram: @sosupernatualpodTwitter: @_sosupernaturalFacebook: /sosupernaturalpod

Are you a real estate investor looking to maximize your returns and minimize hassles with your rental properties? This is a must-listen! You'll discover proven strategies for quickly filling vacant units and attracting high-quality, long-term tenants.  Hear Keith share insider tips on leveraging rent increases to boost your cash flow and property values.  Plus, you'll learn about an innovative financial tool - a Home Equity Investment - that can unlock a lump sum of cash from your properties without any monthly payments.  Tune in to get the edge on managing your rentals like a true pro and building lasting wealth through real estate.  This episode is packed with actionable insights you can apply to take your investing business to the next level. Will you please leave a review for the show? I'd be grateful. Search “how to leave an Apple Podcasts review”. Show Notes: GetRichEducation.com/532 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching:GREmarketplace.com/Coach Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  You get paid first: Text FAMILY to 66866 For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— text ‘GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Automatically Transcribed With Otter.ai    Keith Weinhold  0:01   Welcome to GRE. I'm your host. Keith Weinhold, talking about the dynamic between rents and prices, how to keep your vacancy rate low and the relationship between landlords and tenants. Learn about how a newer vehicle can give you a big lump of cash from your property without you having to make any payments, then inflation is your wealth building, Friend, yeah? really today on get rich education.    Mid south home buyers, I mean, they're total pros, with over two decades as the nation's highest rated turnkey provider, their empathetic property managers use your ROI as their North Star. So it's no wonder that smart investors just keep lining up to get their completely renovated income properties like it's the newest iPhone. They're headquartered in Memphis and have globally attractive cash flows and A plus rating with a better business bureau, and now over 5000 houses renovated. There's zero markup on maintenance. Let that sink in, and they average a 98.9% occupancy rate, while their average renter stays more than three and a half years. Every home they offer has brand new components, a bumper to bumper, one year warranty, new 30 year roofs. And wait for it, a high quality renter. Remember that part and in an astounding price range, 100 to 180k I've personally toured their office and their properties in person in Memphis, get to know Mid South. Enjoy cash flow from day one. Start yourself right now at mid southhomebuyers.com that's mid south homebuyers.com    when you want the best real estate and finance info, the modern Internet experience limits your free articles access, and it's replete with paywalls and you get pop ups and push notifications and cookies disclaimers, ugh. At no other time in history has it been more vital to place nice, clean, free content in your hands that actually adds no hype value to your life. That's why this is the golden age of quality newsletters. And I write ours myself. It's got a dash of humor, and it is to the point to get it. It couldn't be more simple. Just type up a text message with the letters G, R, E in the body and send it to the phone number, 66866, and when you start the free newsletter, you'll also get my one hour fast real estate course, completely free. Subscribe to my Don't quit your Daydream newsletter, and your mind will be wired for wealth. Text GRE to 66866, text GRE to 66866,   Corey Coates  3:02   you're listening to the show that has created more financial freedom than nearly any show in the world. This is get rich education.   Keith Weinhold  3:18   Welcome to GRE from Villa Lenovo, Pennsylvania to Villanueva, Columbia, and across 488 nations worldwide. I'm Keith Weinhold in your listening to get rich education. I'm really grateful to have you as always. When you invest, you are buying a day that you don't have to work. That's what we're helping you do here every single week own real estate, and it's going to allow you to buy back big chunks of time for yourself later. And that's a big deal because your very life is made up of chapters of time. It's actually really cool when you own investment properties in a few different places, then you actually own part of, say, Indiana and Tennessee and Georgia. You own parts of those states. That's what we help you do here. And that sounds cool. Sounding cool, though, is not enough. There need to be good fundamental reasons behind the real estate portfolio that you are building. It's kind of interesting. With rental property investing, you're kind of doing the little things in order to hold together the big profitable picture, because there are all these forces that are simultaneously creating wealth for you when you've got income property with a loan. So yeah, you're just sort of trying to hold it together. You say, don't get your vacant property rented as soon as you want. So you might drop the rent 50 bucks and add a nice new kitchen faucet and ta da, just like that. It's rented, and all while you're doing those little things. Things to hold it together. Whether your property is vacant or rented, you are benefiting from leverage and inflation. Profiting on your loan. You're benefiting from some big forces either way. Well, on today's show, first, we're going to be talking about the little things like the one on one relationship between you and your tenant, and then later on the show today, that's when we'll grow and talk about a more macro force, like new ways for you to think about how you're benefiting from inflation when we talk about rents prices and the relationship between a real estate investor like you and your tenant. Recently, on the show here, I talked about how the 4.6% growth in wages like we do have today, that is a harbinger of you getting future rent growth. And this can get rent growth to catch up with the growth that we've had in property prices. And note that this is what happens. You need to remember that the bid format of buying property that allows for more rapid price escalation than the first come first serve at a set price format that you have when you're trying to rent out your property. All right, when you put up a property for sale, or you're the person that's buying one, that's usually not in a first come first serve process that's more of a competitive bid process. And see that is exactly why, in a hot market, real estate prices can run up fast. But because, say, you're renting out a property, and you're doing that, you're usually not accepting offers from prospective tenants and then taking the tenant that has the highest bid. Well, instead with rents, you're just taking the qualified first tenant that agrees to your fixed rent price of, say, $2,000 Okay, your prospective tenant isn't saying, Oh, I really like your rental, single family home, so I'll pay you $2,200 for instead of the 2000 that you're asking. And see that right there is why, in a hot market, property prices run up faster than rents do. But see when prices run up faster than rents, like they did, starting about four years ago, what happens is that begins to make rents, oh, they look like a relative bargain to people that are seeking housing. So that is the time that pivot point when rents catch up with prices, which is the cycle that I hope we are getting into next. Now. Right now, we have to be at a time of year where tenants tend to stay put. There isn't as much turnover as you approach the holidays, but a few months from now, turnover tends to pick up in the springtime. And before we talk about the economics of what you do when you have a vacant unit, understand that despite the national housing shortage, the rental vacancy rate really is not that low nationwide. Do you have any idea what the historically average rental vacancy rate is? You have any guess there? That's about 7% 7.3% to be exact. That's why, when you run your cash flow analysis for a property using one month per year is usually pretty safe, that's about 8% Well, all right, we've established that the long term national rate of vacancy is 7.3% the current vacancy rate is 6.9% and yes, that number is just what it sounds like. It's simply the percentage of rental inventory that's available for rent, and it maxed out at 11% back in 2009 that's when housing was badly overbuilt, and now with the housing shortage, you'll see that today's vacancy rate is only a little below normal, 7.3 versus 6.9 maybe you're wondering, well, why isn't it even lower, like five or 6% Well, one big reason why vacancy rates are just a little lower than the long run average is all of the apartment over building like I discussed with you two weeks on the show and I told you about my walk on rainy street in Austin, Texas last month, where they're building gobs of 500 foot tall apartment towers that aren't going to be occupied for a while, and I called that area America's apartment oversupply ground zero. But as you know, there are so many ways to parse and dissect real estate markets. The vacancy rate for apartment buildings today is 7.8% nationally, but for single family rental homes, it's only 5.4% that's because their supply is more scarce. But since there aren't many new apartment projects just getting started now, they're just completing when they started about two years ago, I would expect the apartment vacancy rate to come down over the next couple of years. And then, of course, each local area is going to have its own vacancy rate too. I mean, there are so many ways to parse, to bifurcate real estate, and all those figures I gave you are per the US Census. Well, I've explained to you before that when you have a vacant unit, that is the time for you to really push it test the market. Start your asking rent up rather high in order to see what you can get for it. And this is what's known in economics, in the free market as price discovery. This is your time for price discovery, but you usually only want to keep the rent way high for just a few days, otherwise you might needlessly increase your vacancy period. But here's the thing, if your unit is vacant after a number of showings, is it better for you to drop the rent, or instead, is it better for you to make some upgrades to the unit and keep that higher asking rent? Well, like seemingly everything in real estate investing, the short answer for you is, it depends right the upside of you dropping the rent is that it's a lot quicker and easier to do than making an upgrade to the unit. I mean, just snap your fingers and it's done. Dropping the rent might only take a few seconds or minutes, but see when you keep the higher asking rent and you make upgrades, you do more than just increase your rent income. You get a better quality tenant, first of all, and secondly, if you get, say, 5% more rent depending on your leverage position, you might get 10% more cash flow, that money that you feel in your pocket every month. A lot of landlords don't even consider those two attributes right there. See, when you get 5% more rent for a unit your tenant, of course, they only have to pay 5% more, yet you yourself as the property provider, you're getting perhaps 8% or 10% or 12% more money in your pocket because of the leverage. And right there, I essentially just described the third crown of get rich. Education's inflation triple crown for you. That third crown is called Cash Flow enhancement. And really there's another, I guess, a third here wealth building attribute that you've accomplished through achieving a higher rent, and that is, if it happens to be a five plus unit apartment building, you also actually just increase the value of the entire property, since they are valued on the net operating income in the cap rate. So we're talking about vacancy, rent and real estate economics here with three distinct elements that I just described about how upgrading and achieving a higher rent gives you a lot of distinct advantages. The downside of it being that it takes more time. And there's another one. What are we up to here? A fourth upside to upgrading and achieving more asking rent, as opposed to doing the minimum for lower rent. And that is, well, it's your pride of ownership. I mean, you're providing good housing now your whole mission is not about altruism alone, but you'll feel like you're on a more fulfilling mission when you are like I often say, providing housing that's clean, safe, still affordable and functional. There's a fifth reason in that is that higher rents help you deal with higher operating expenses. But maybe it's beyond just the way in which you're thinking. And you know, a lot of people really don't understand this or put this together. In fact, I was talking with a real estate investor last month at the New Orleans investment conference. He was talking about rising insurance expenses on his properties, saying that he had one property that just had a insurance premium increase of 10% and he sounded a little disappointed, saying that, well, I can't get 10% more rent, but I've got this 10% higher insurance premium. So you know, he was thinking that he was losing? No, he's not necessarily losing, because in absolute dollar terms, you're charging your tenant multiples more in rent than what you're being charged in insurance. Say that you're charging 2000 bucks in rent on a unit. All right? Well, on a monthly basis, just say that your insurance payment works out to 200 bucks on that unit. All right. Well, with just 5% more rent, that's $2,100 a $100 increase, but if your insurance goes up 10% from 200 to 220 bucks, that's just a $20 increase. So right there in that example, your rent increase is half of your insurance rate increase percentage wise, but in dollar terms, your rent just went up five times as fast as your insurance did, and you are even more cash flow positive than you were previously. So the point is in your monthly profit and loss statement, your cash flow statement, on your property, even your pro forma, keep in mind that your rent amount, that is the biggest monthly number, and being attentive to it can cure so many ills. And when you realize this, this plethora of positives, if you will, it can make a decision to, yeah, do something like replace that old Berber carpet with new vinyl plank flooring, and make that look more attractive to you, and it's gonna look more attractive to your tenant, and you're probably gonna get a higher quality tenant than what you would have placed otherwise. And when you upgrade a unit, not only is your property worth more, but you usually don't pay a higher insurance premium as a result of making that upgrade at all, despite your higher valuation. In fact, sometimes lower rents are subsidized by deferred maintenance, like a leaky faucet or a big crack in a ceiling, all right, now all of these things are sort of hard economic facts when it comes to the relationship between landlord and tenant. Let me then tell you about a, I guess, softer sensibility. Okay, let's get touchy feely for a minute, and that is the words that we use. In fact, those very landlord and tenant words themselves. Back in 2021 there is a first of its kind, legislation that was proposed in Ohio to change references in their state law from the word landlord to housing provider and from the word tenant to resident. Now I think that the word landlord is a rather strange word. I mean, it's kind of weird that we're still using that term today. In fact, in the small town that I grew up in in Appalachia, it was not an affluent area at all, not even close. It was lower middle class. But even as a kid, I knew that my parents owned their home and that all of my friends' parents owned their homes too. It wasn't until I was about age 13 when the Petroski family moved into town, cowdersport, Pennsylvania. They were nice kids. I befriended them, and they soon started using the term landlord. I might have been about 13 until I had even heard the word landlord, and I still remember then that it struck me as a strange sounding term. Now it was all simple, small, single family homes where I grew up, like these 80 year old Victorian homes. No one tried to divide their yard with fences. People didn't lock their doors. It was great. And anyway, the petroskis lived in a single family home that the landlord, Mr. Hosley, had divided up into three separate, walled off units. That's before the term house hacking even existed. But in fact, landlord, it is a futile and perhaps outdated term, and I'd have to agree that, instead of landlord, the term housing provider, you know what better describes you and I's role and the relationship to our tenants or residents. I mean the word landlord that almost sounds like a person is totalitarian or dictatorial, when in fact, most landlords are people like you, smaller and family owned, not land barons. I mean, HUD will tell you that America has 10 to 11 million individual investor landlords, and they manage an average of just two units each. Okay? So hardly dictatorial, not some tyrant that's going around trying to evict everyone. Not despotic. Let me practice a little with you today, is, I'll try to use the term housing provider instead of landlord, as much as I can here see sometimes what happens in society is that the frustration of poverty gets loaded onto housing providers, and that sets up a system of enforcement that assumes that they have an interest in crushing the people that pay them to keep their property businesses running. And the reason that, say, a food provider like a grocer or an entertainment provider like a basketball team owner, you know, they just don't seem to be as unpopular as a housing provider. And one reason for that is because housing is expensive and it's also non discretionary, meaning that everyone has to have housing. So you might consider using the term housing provider more often than landlord, especially around your tenant, if your tenant thinks of you as a housing provider that has to pay. A mortgage and operating expenses every month, rather than a landlord that turns every dollar of rent income into pure profit, which is never true. Well, if they understand that, you're going to be doing better from a tenant relations standpoint, and that's also completely truthful as well. As far as that Ohio State law and changing the word tenant to resident. Yeah, over the years, I know that a lot of people favor that term, including a lot of our turnkey providers at GRE marketplace. I've rode around in cars with them, and they're talking about their market, and they prefer the term resident to tenant. Now, tenant is a feudal term as well. It refers to someone who occupies land from a lord. The more direct term from feudal times is the word vassal. You might remember that from high school, V, A, S, S, a, l, that means a holder of a land that pays allegiance to a lord. Somehow, to me, the word tenant, it just doesn't feel as futile or like it's almost part of a system of oppression, like the word landlord feels. Landlord feels like some king brooding over his serfs. In fact, the word tenant is actually helpful, because if you tell me that a person is a resident, I don't know whether they own or they rent, but if you tell me they're a tenant, I know that they're renting. So tenant helps, because it's more descriptive and tenant does not sound to me like someone is being oppressed, either. But in any case, consider using housing provider rather than landlord. Here in the soft skills department, it can be hard to remember to do that though you're listening to get rich education podcast episode 532 I'm your host, Keith Weinhold, education is in our name, and I've got more learning for you.    Let's discuss something new and learn about what H E i's are that stands for home equity investment, and see if one of them can help you now, HEI's. They're a pretty new way where you can access a chunk of your home's equity without you having to make any ongoing payments. I mean, does that sound amazing, or what? Okay, it does sound amazing. You get a chunk of money out of your property now without making any payments, but there are some downsides to heis, as you might have guessed, all right. Well, first, let's talk about the way that it works. Okay with an hei. What happens is that a portion of your home's equity is given to you in cash, especially given to you by an investment group. Hey, windfall moment sounds amazing, and it gets even better, because you can use the funds however you like. I mean, what could you do with an extra few 10s of 1000s of dollars or hundreds of 1000s of dollars in cash? Further, unlike some of the better known vehicles, like home equity lines of credit and home equity loans, there are truly no payments for you to make with these heis, again, home equity investment, that's what we're talking about here. And better yet, you can access your funds in as little as a few weeks. And, yes, I mean, this sounds amazing, but you have got to be wondering, what is the catch with HEI's, and there are some what is in it for the investor? Is this investment group? Well, when you're ready to settle the investment years down the road, they are going to be paid out their agreed upon share as the percentage of the sale price or the appraised value. All right. So as you balance that and think that through who is an HEI for, then it's good for a borrower like you, in case you don't have great credit, or if you have a high debt to income ratio, is especially great if you are house rich and cash poor. And the reason that I'm talking about heis now is that more people find themselves in that very situation today, house rich and cash poor, and that's because Americans are sitting on all time, record equity levels of more or less 300k today. All right, that is the house rich part and more Americans are cash poor today. That's due to higher inflation. All right. Well, now that you know the basics of what a home equity investment is and what the upsides are, what about the downsides? More downsides of feeling this near term windfall without you having to make any payments? Well, your mortgage company might block you from taking on an HEI because see what you're doing is you're taking on another lien holder. Understand that with. An Hei, you've now got more of a lien than you do a loan, and much like a reverse mortgage, heis can also have high fees, and additionally, down the road, that investor might take a big chunk of the home's appreciation, that stuff should all be laid out in your terms up front. So that's something you ought to be able to see coming. All right. Well, now we're a real estate investing show here, so you're probably wondering, okay, great, and you've been hearing me use the word home, but can you get it on your non owner occupied property? Yes, at times you can get an HEI on rental property, but the terms are probably going to be less advantageous, then they will be on your primary residence. Now you might see he is referred to as a product of financial innovation, which is sort of synonymous with another term, financial engineering. And you know, whenever you see those terms, you typically want to exercise caution. Now that alone doesn't mean that an HEI is wrong for you. And of course, with any investment type, although it's usually not your main decision driver, you're going to want to learn about the tax consequences as well. And you might note that home equity investments are also known as a Home Equity sharing agreement, and although that's a longer term, it is more descriptive, and it makes sense because you and an investor partner are essentially sharing in your home's equity together. Now, as a GRE follower, you're able to understand what an investment like this would mean to you and your financial future. Since the rate of return from home equity is always yes, always zero, with an Hei, now you can separate out some equity, and now you'll have the potential for dollars that can earn a return somewhere, and you're going to enjoy better liquidity as well. But Caveat emptor, buyer beware with heis.    The GRE studio has been mobilized a lot lately, as I am here in Anchorage, Alaska today. And what am I doing here? Well, besides studying the housing market, not any local one, but the national housing market. I have also been skiing this week. Hey, when it comes to subscribing to our newsletter, which I do write myself, you might not have realized something. I don't overwhelm your inbox. When you start subscribing, you'll get a welcome set of emails that send every other day for about 10 days, but that's just in the beginning. After that, my newsletter is only sent about weekly whenever there's something critical in the real estate investing world that you really need to know about. It's also brief. It's important to keep it short because your time is valuable. And have you ever noticed that even the word abbreviation is too long? Our don't with your Daydream newsletter is always less than a five minute read. It's usually less than a three minute read to get the letter just text GRE to 66866, right now, see even opting in to get my crucial letter is brief. Now you can text GRE to 66866, more. Next. I'm Keith Weinhold. You're listening to get rich education.    Oh, geez, the national average bank account pays less than 1% on your savings, so your bank is getting rich off of you. You've got to earn way more, or else you're losing your hard earned cash to inflation. Let the liquidity fund help you put your money to work with minimum risk, your cash generates up to a 10% return and compounds year in and year out. Instead of earning less than 1% in your bank account, the minimum investment is just 25k you keep getting paid until you decide you want your money back. Their decade plus track record proves they've always paid their investors 100% in full and on time. And you know how I'd know, because I'm an investor in this myself, earn 10% like me and giari listeners are. Text FAMILY to 66866, to learn about freedom. Family investments, liquidity fund on your journey to financial freedom through passive income. Text FAMILY to 66866    Hey, you can get your mortgage loans at the same place where I get mine at Ridge lending group NMLS, 42056, they provided our listeners with more loans than any provider in the entire nation because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage. You can start your pre qualified. And chat with President Caeli Ridge personally. Start now while it's on your mind at Ridge lendinggroup.com that's Ridge lendinggroup.com.   Tarek El Moussa  30:17   What's up? Everyone? This is hgtvs Tarek El Moussa. Listen to get rich education with Keith Weinhold, and don't quit your Daydream.   Keith Weinhold  30:34   Welcome back to get rich Education. I'm your host. Keith Weinhold, it's been said that in your life, what you're not changing. You're choosing loads of investors in the 401K or conventional investment plans. They aren't changing the fact that they're only getting their money to work for them. So they're choosing to deny ethically, getting other people's money to work for them, and that's why they have no option other than to work full time until they're old. Well, when you're that savvy borrower now, you're benefiting from both the asset leverage and the inflation profiting, as we know and the way to keep both your leverage high and the inflation profiting on your debt high is to intermittently change the fulcrum on your lever so that you don't have too much equity accumulating in your portfolio. And you also want to be investing in an inflationary environment be a debt DECA millionaire. Remember that term that I introduced to you here a few years ago, if you had ten million in debt at 3% inflation, you're profiting 300k per year just from that alone. Yes, the paradoxically glamorous life of having 10 million in debt, but it's all tied to income properties, so that your tenants make the pay down for you, and inflation pays it down even faster that debt DECA millionaire, he's obviously got to be a pretty creditworthy person in order to get ten million in debt in the first place. Yep, building lasting wealth is not conventional at all. And for the debtor, inflation is therefore your wealth building, friend. It's why, when you see your favorite can of La Columba cold brew coffee, which is a favorite of mine, gosh, it's nice and frothy. If you know, you know, in fact, I'm gonna crack this La Colombe triple draft latte to enjoy after the sh ow there. Did you hear that? No, I don't have any sponsorship with them, but when you see that cold brew price go from $4 to $5 well, that effect makes most people poorer. Some people think that effect makes everyone poor, but it's not making you and I poorer. It's enriching us. When you see consumer price inflation like that, there's a good chance that asset price inflation is occurring as well, and that's why seeing higher prices at grocery stores is probably a subtle signal that you are better off, not worse off. You're better off because you know how to arrange your financial life for inflation rather than being impoverished by it. Congratulations. Let's drink to that with a La Colombe coffee. What you're doing is you are swimming with the river flow, and almost everyone you know is struggling because they chose to swim against the inflationary river flow. See the way that almost everyone that you know goes about earning their income is that they only earn their income once, and they earn it at their job. In an inflationary world, you effectively have to earn your Fiat dollar twice, once when you work for it, and once again, when you invest to beat inflation, otherwise that dollar is just going to evaporate. And that seems so unfair. I mean, why should a surgeon or an athlete, engineer, programmer, accountant, why should those people that are successful in their field and serve society. Why should they have to develop expertise in a second field? Why do they have to do this just to maintain the wealth that they've already built, that they produced out on the free market? Why can't you have a store of value for the future? Inflation is the answer. So they need to develop expertise in a second field, and that's why listening to content just like this is therefore not optional, but it's actually mandatory in this cycle, CPI inflation peaked at 9.1% two and a half years ago, and despite that, has come down quite a bit. It's. A little elevated. It's still not down to the Fed's transparently stated 2% target, and by the way, there is another Fed meeting in two days. If the Fed cuts rates more, bond yields could go higher, which means mortgage rates tend to go higher. Inflation is powerful. A lot of people will tell you that it is the main reason why Jamie Carter wasn't re elected president in 1980 and today they'll tell you why. It's the main reason that it brought down the Biden Harris administration. But see, here's the thing, if you're able to obtain loans in the United States and some other developed countries, understand that you're in a sweet spot, and that sweet spot is a level of inflation that's actually low to moderate by world standards, and not hyper inflationary. All right. Now I know what you might be thinking. You're thinking like, oh, well, hyperinflation would be tremendous for a leveraged real estate investor. Now, why, though, would I say that we don't want hyperinflation? Well, there are countries with a history of hyperinflation, like Turkey, Argentina, Venezuela, Zimbabwe, Iran, they have a history of massive currency devaluation. Let's see what happens then is that financing becomes almost non existent in those places. When that happens, I mean history over hunches. History shows us that in places like that, forget about getting home mortgages, investor loans, a credit card, consumer debt, small business loans, unless maybe a usurious interest rates. If the US had a history of hyperinflation or even sustained bouts of really high inflation, then you know what cooperation between borrowers and lenders becomes nearly impossible. Even those governments of those countries, they have trouble borrowing money, except maybe at maturities of a few months. And you know, I always like to make a borrowing lending example with you and your friend. Okay, you don't want to loan your friend $1,000 for a year in hyperinflation, because if the inflation rate were 1,000% then, after a year, the $1,000 that your friend would pay you back, well, that's only $100 worth of purchasing power. Now, all right, that's why, if the US had one bout of hyperinflation, you know, maybe that would be good, because it would seriously wipe out all of your debts one time. If there became a history of that, though, then you might not get access to loans at all. I mean, who would be crazy enough to finance your growing real estate portfolio in hyperinflation? So the fact that globally, the US has low to moderate inflation levels. I mean, that can be a good thing, that inflation is most of the time, a more surreptitious force. It largely went without notice until the pandemic made it flare up and made that LA Columbia cold brew coffee go up, and made property prices and rents go up all while you're fixed. Mortgage payments stayed the same, totally sheltered from the inflation. All right. Well, if my solution to beat inflation by taking on debt and thinking about it that way, if that's not iconoclastic enough, I've got a different strategy for beating inflation, and I think that I did quickly mention this here about a year ago when Doug Casey was our guest on the show.    But yes, I do have another strategy for beating inflation, and it is controversial. It is almost blasphemy to say this out loud on any finance related show this inflation beating strategy, it's guaranteed to improve your quality of life, okay, no speculation here. A guarantee of improving your quality of life is so simple, anyone can easily do it. In fact, you even have companies competing with other companies to get you to do this, and the answer is to spend your money. Yes, I said it out loud. It guarantees that you'll improve your life. It's simple to do. Various counterparties are competing all over the place with each other. They're falling all over each other every single day to try to get you to do this well, as long as you've invested well first and you have ample liquidity by having a healthy relationship with spending there if that crew. Is to the Spanish Riviera in Majorca, is going to cost you $10,000 this year, but it'll be $11,000 next year. Then spend the money today and beat inflation. Yes, I said it. Spend some of your money if you've been listening to this show and following the guidance here, yes, you can afford to do it. I mean, what is money for anyway? And sadly, some like conventional finance professionals, they are reluctant to tell you to spend your money because they're compensated by the percent of your assets that they hold under management. Inflation makes borrowing and spending, then two irresponsible sounding things, borrowing and spending make complete sense when you do it right, like income properties tied to fixed rate loans.    Hey, why? I've got some cool announcements to share with you now and in future months here on the show, I've got a big collaboration coming up with long time friend of GRE here, Robert Helms of the real estate guys and I together. You'll learn more about that in the future. But first coming up this Saturday, the 21st at 3pm Eastern, over on YouTube, I am going to reveal GRE 's national home price appreciation forecast. So yes, to the nearest percent, I'll tell you exactly how much home price appreciation that you will get, an exact number, how much to expect in the US next year. Or, Hey, maybe I think that home prices will make a rare fall next year, what you're going to get that number, if that's what I forecast, you can go to our get rich education YouTube channel anytime here and make sure that you set a notification so that you are informed again. That's Saturday the 21st at 3pm eastern over on our get rich education YouTube channel, I expect that that information is going to benefit you.    Hey, if you appreciate the show here, do you think that you could help me out in just one small way? Call it my Christmas gift request. There's just one item on my Christmas list with you, and it should only take a couple minutes of your time leave a podcast rating and review for the show on Apple podcasts or Spotify. The rating is the five star thing. The review is a few sentences about what you get out of the show here. I would really appreciate the, I suppose, gift from you, and I will read your review myself too, if you don't know how to do it right inside those listener apps. Just open up a browser tab and search how to leave an apple podcast review or Spotify podcast review, or whatever platform you prefer to listen on. Yeah, it would feel like a little Christmas gift to me after all these months and years of listening, go ahead and provide me with some feedback. Tell me what you think, and thanks so much. Until next week, I'm your host. Keith Weinhold, don't quit your Daydream.   Dolf Deroos  43:10   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  43:38   The preceding program was brought to you by your home for wealth, building, get rich, education.com