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Their crime earned them the nickname "Bitcoin Bonnie & Clyde"...but are they? And they heist is credited as being the most lucrative crime ever...but was it? If you love it when we rage-scream about a bunch of internet losers, then boy oh boy are you gonna love this week's episode. You might want to pre-pull over.  WE'RE ON YOUTUBE!  Want to view the episodes and not just listen?  Check our new video feed to see full video episodes starting today. CLICK HERE TO WATCH AND SUBSCRIBE! LOOKING FOR MORE TCO? On our Patreon feed, you'll find over 400 FULL AD-FREE BONUS episodes to BINGE RIGHT NOW, including our episode-by-episode coverage of popular documentary series like Love Has Won: The Cult of Mother God, LulaRich, and The Curious Case of Natalia Grace; classics like The Jinx, Making A Murderer, and The Staircase; and well-known cases like The Menendez Murders, Casey Anthony: American Murder Mystery, and The Disappearance of Madeleine McCann, and so many more! Episode Sponsors: Helix:  Upgrade your sleep! Go to www.helixsleep.com/tco for  27% Off Sitewide PLUS a free Bedding Bundle with any Luxe or Elite Mattress order!! Cure Hydration - A natural, delicious, and convenient way to keep you and your whole family hydrated—without the artificial stuff. Save 20% at www.curehydration.com/TCO with promo code TCO. Wild Alaskan Company - Wild-caught seafood delivered directly to your door! Get $35 off your first box of at www.wildalaskan.com/TCO Earnin - Get access to your pay as you work. Download the Earnin app in the Google Play or Apple app store. Chime: Make progress towards a better financial future with Chime. Open your account in 2 minutes at www.chime.com/TCO  FAM! COME SEE PATRICK ON TOUR! Patrick is headed out on the road WITH A BRAND NEW SHOW! New cities just announced: Pittsburgh, Buffalo, Provincetown, Charleston, Nashville, Charlotte, Atlanta, Orlando, Washington, Philadelphia, and London.  CLICK HERE for tickets and info! Join the TCO Community! Follow True Crime Obsessed on Instagram and TikTok, and join us on Facebook at the True Crime Obsessed Podcast Discussion Group!  AND INTRODUCING THE NEW TCO DISCORD CHANNEL AS WELL!!!

Welcome back to The Viall Files: Reality Recap!  Mormon Wives is BACK! And boy do we have a show for you. Jessi and Mikayla stop by to get into all the drama and hot gossip of the season and potentially next season?? Tea tea tea… Plus, we recap episodes 1-3 of SLOMW so make sure to stick around! Later, we get into the new Netflix show Sneaky Links with host Chloe Veitch to find out what happens when your sneaky link goes public? Meanwhile, we talk about Taylor Swift's ongoing drama with the Blake/Justin of it all, the body next to her house, Sonja Morgan's latest restaurant adventure, and more! You will absolutely not want to miss it.  “What can I do to make this dramatic?” Subscribe to The ENVY Media Newsletter Today: https://www.viallfiles.com/newsletter  OUT NOW! Listen to Humble Brag with Cynthia Bailey and Crystal Kung Minkoff. Available wherever you get your podcasts and YouTube: https://www.youtube.com/@humblebragpod https://podcasts.apple.com/us/podcast/humble-brag-with-crystal-and-cynthia/id1774286896 Start your 7 Day Free Trial of Viall Files + here: https://viallfiles.supportingcast.fm/  Please make sure to subscribe so you don't miss an episode and as always send in your relationship questions to asknick@theviallfiles.com to be a part of our Monday episodes. Follow us on X/Twitter: https://twitter.com/TheViallFiles Listen To Disrespectfully now! Listen on Apple: https://podcasts.apple.com/us/podcast/disrespectfully/id1516710301 Listen on Spotify: https://open.spotify.com/show/0J6DW1KeDX6SpoVEuQpl7z?si=c35995a56b8d4038 Watch on YouTube: https://www.youtube.com/channel/UCCh8MqSsiGkfJcWhkan0D0w To Order Nick's Book Go To: http://www.viallfiles.com  If you would like to get some texting advice on Office Hours send an email to asknick@theviallfiles.com with “Texting Office Hours” in the subject line! To advertise on this podcast please email: ad-sales@libsyn.com or go to: https://advertising.libsyn.com/theviallfiles     THANK YOU TO OUR SPONSORS: BetterHelp - We're all better with help. Visit https://betterhelp.com/viall today to get 10% off your first month. Quince - Elevate your closet with Quince. Go to https://quince.com/viall for free shipping on your order and three hundred and sixty-five -day returns. Chewy -Right now you can save $20 on your first order and get free shipping by going to https://chewy.com/viall  Timestamps: (00:00) - Intro (00:33) - Household Headlines (17:48) - Secret Lives of Mormon Wives Headlines (27:00) - Chloe Veitch Talks Sneaky Links (53:36) - Summer House (01:04:24) - Secret Lives Recap (01:17:54) - Jessi and Mikayla Interview (01:54:16) - Outro Episode Socials: @viallfiles @nickviall @nnataliejjoy @_justjessiiii @mikayla__matt @chloeveitchofficial @ciaracrobinson @justinkaphillips @leahgsilberstein @dereklanerussell       

This week we discuss Overcompensating, Apple's new emojis, the problematic age gap between Papa Smurf & Smurfette, Glee's 16th anniversary, the re-reebranding of HBO, & the ship that hit the Brooklyn Bridge. To learn more about listener data and our privacy practices visit: https://www.audacyinc.com/privacy-policy Learn more about your ad choices. Visit https://podcastchoices.com/adchoices

 When beloved Houston attorney James Campbell and his wife Virginia were found murdered in their bed, the crime stunned the city's elite. There was no forced entry, no sign of a struggle—and no clear motive. But as police dug deeper into the family's complicated dynamics, all signs pointed to someone close. What followed was a years-long investigation, a stunning undercover operation, and one of the most bizarre true crime stories to ever come out of Texas. This is the story of the Campbell family murders—and the woman who helped bring their killers to justice. Thank you to this week's sponsors!   To get 16 free meals with your order, go to Suvie.com/Moms to get 16 free meals with your risk free trial.   Treat yourself to the most comfortable and innovative bras on earth and save 20% Off sitewide at honeylove.com/MOMS20. After your purchase, they'll ask you where you heard about them. Please  support our show and tell them we sent you.   Start your risk-free Greenlight trial today at Greenlight.com/moms.    There are so many women's health supplements out there, it can be hard to know what's truly the best option, so look no further... Head over to thisisneeded.com and use code MOMS for 20% off your first order.  Check-out bonus episodes up on Spotify and Apple podcast now! To advertise on the show, contact sales@advertisecast.com or visit https://www.advertisecast.com/MomsandMysteriesATrueCrimePodcast.  Listen and subscribe to Melissa's other podcast, Criminality!! It's the podcast for those who love reality TV, true crime, and want to hear all the juicy stories where the two genres intersect. Subscribe and listen here: www.pod.link/criminality    Check-out Moms and Mysteries to find links to our tiktok, youtube, twitter, instagram and more.    Sources: https://casetext.com/case/ray-v-state-51?q=cynthia%20campbell%20ray&p=1&tab=keyword&jxs=&sort=relevance&type=case https://www.oxygen.com/snapped/crime-news/david-west-confesses-cynthia-ray-campbell-parents-murder  https://people.com/archive/rookie-private-eye-kim-paris-cozies-up-to-a-suspected-killer-and-gets-a-confession-on-tape-vol-23-no-24/ https://apnews.com/article/b5ec69c275b56b9382fd387709f6caac https://www.washingtonpost.com/archive/politics/1985/02/26/true-confessions/718e2739-0997-4ac0-a551-d860a9f51b7f/ https://www.newspapers.com/image/603491376/?article=283c6713-d622-4363-a4e7-3ba0e84a3f8b&focus=0.8358849,0.75154406,0.9562753,0.8914914&xid=3355&_ga=2.191343658.1408837698.1648003379-305025883.1640220698 https://www.newspapers.com/image/5896431/?terms=james%20virginia%20campbell&match=1 https://www.newspapers.com/image/590271414/?terms=james%20virginia%20campbell&match=1 https://www.newspapers.com/image/59250277/?terms=james%20virginia%20campbell&match=1 https://www.newspapers.com/image/759887315/?terms=james%20virginia%20campbell&match=1 https://www.newspapers.com/image/612496001/?terms=james%20virginia%20campbell&match=1 https://www.newspapers.com/image/612499553/?terms=james%20virginia%20campbell&match=1 https://www.newspapers.com/image/612494780/?terms=james%20virginia%20campbell&match=1 https://www.newspapers.com/image/587839801/?terms=james%20virginia%20campbell&match=1 https://www.newspapers.com/image/760062448/?terms=james%20virginia%20campbell&match=1 https://www.newspapers.com/image/358486880/?terms=james%20virginia%20campbell&match=1 https://www.newspapers.com/image/764803002/?terms=james%20virginia%20campbell&match=1 https://www.newspapers.com/image/569471252/?terms=cynthia%20campbell%20ray&match=1 https://www.newspapers.com/image/759887779/?terms=cynthia%20campbell%20ray&match=1 https://www.newspapers.com/image/378405458/?terms=cynthia%20campbell%20ray&match=1 https://www.newspapers.com/image/758207750/?terms=cynthia%20campbell%20ray&match=1 https://www.newspapers.com/image/331160468/?terms=cynthia%20campbell%20ray&match=1 https://www.newspapers.com/image/760078988/?terms=cynthia%20campbell%20ray&match=1 https://www.newspapers.com/image/590467926/?terms=cynthia%20campbell%20ray&match=1 https://www.newspapers.com/image/331175652/?terms=cynthia%20campbell%20ray&match=1 https://www.newspapers.com/image/209909841/?terms=cynthia%20campbell%20ray&match=1 https://www.newspapers.com/image/6296654/?terms=cynthia%20campbell%20ray&match=1 https://www.newspapers.com/image/760421410/?terms=cynthia%20campbell%20ray&match=1 https://www.newspapers.com/image/405861205/?terms=cynthia%20campbell%20ray&match=1 https://inmate.tdcj.texas.gov/InmateSearch/viewDetail.action?sid=03823868 Custodial Death Report https://oagtx.force.com/cdr/VIPForm__VIP_FormWizardPDF?id=a2Ct0000003BbtMEAS&templateId=a2x5A000001M2UWQA0 https://www.upi.com/Archives/1985/02/26/A-young-female-private-investigator-who-parlayed-a-marriage/8475478242000/ https://www.imdb.com/title/tt0100064/ https://www.newspapers.com/image/438564870/?terms=james%20campbell&match=1 https://www.hcdistrictclerk.com/edocs/public/CaseDetails.aspx?Get=cDC%2fRrj3UxlQkvTRyppcRZX6IXMmL+HeTCx5aLf7+98bLDSXODXCIwyK09gUU+ZdTITZur5t3WkBK7%2fxC6n4t4mLKGFrLCsldTYMzHOBWrkaCB4dBGH0zK%2fVquDcOuSgxV4b2E2sQflatdacwqb6CGFvxxDj2KtGv5nQGBhKsc8bE9lSx5rJ4Q%3d%3d Oxygen's Snapped Season 27, Episode 24 “Cindy Campbell Ray” https://www.newspapers.com/image/141161792/?terms=cynthia%20campbell%20ray&match=1, https://www.newspapers.com/image/141161832  http://www.houstontx.gov/superneighborhoods/16.html   

Dan Schneier joins Heath Cummings to redo their 2025 dynasty rookie rankings! They play a game of "this or that," discuss the biggest rankings risers and finish up by take questions from listeners. Intro (0:00) 3 Questions (2:37) Tier 2 Rookies (11:32) Tier 3 Rookies (15:17) Rankings Risers (26:17)Outliers (35:13) Rookie Listener Questions (43:16) Fantasy Football Today is available for free on the Audacy app as well as Apple Podcasts, Spotify and wherever else you listen to podcasts Watch FFT on YouTube⁠ https://www.youtube.com/fantasyfootballtoday⁠ SUBSCRIBE to FFT Express on Apple: ⁠https://podcasts.apple.com/us/podcast/fantasy-football-today-express/id1528634304⁠ Follow FFT Express on Spotify: ⁠https://open.spotify.com/show/6qyGWfETSBFaciPrtvoWCC?si=6529cbee20634da8⁠ SUBSCRIBE to FFT Dynasty on Apple: ⁠https://podcasts.apple.com/us/podcast/fantasy-football-today-dynasty/id1696679179⁠ FOLLOW FFT Dynasty on Spotify: ⁠https://open.spotify.com/show/2aHlmMJw1m8FareKybdNfG?si=8487e2f9611b4438&nd=1⁠ SUBSCRIBE to FFT DFS on Apple: ⁠https://podcasts.apple.com/us/podcast/fantasy-football-today-dfs/id1579415837⁠ FOLLOW FFT DFS on Spotify: ⁠https://open.spotify.com/show/5zU7pBvGK3KPhfb69Q1hNr?si=1c5030a3b1a64be2⁠ Follow our FFT team on Twitter:⁠ @FFToday⁠,⁠ @AdamAizer⁠,⁠ @JameyEisenberg⁠,⁠ @daverichard⁠,⁠ @heathcummingssr⁠ Follow the brand new FFT TikTok account: ⁠https://www.tiktok.com/@fftoday⁠ Join our Facebook group⁠ https://www.facebook.com/groups/FantasyFootballToday/⁠ Sign up for the FFT newsletter⁠ https://www.cbssports.com/newsletter⁠ You can listen to Fantasy Football Today on your smart speakers! Simply say "Alexa, play the latest episode of the Fantasy Football Today podcast" or "Hey Google, play the latest episode of the Fantasy Football Today podcast." Visit the ⁠betting arena on CBSSports.com⁠ for all the latest ⁠sportsbook reviews⁠ and ⁠sportsbook promos⁠. Fantasy Football Today is available for free on the Audacy app as well as Apple Podcasts, Spotify and wherever else you listen to podcasts Watch FFT on YouTube⁠⁠⁠ https://www.youtube.com/fantasyfootballtoday⁠⁠⁠ SUBSCRIBE to FFT Express on Apple: ⁠⁠⁠https://podcasts.apple.com/us/podcast/fantasy-football-today-express/id1528634304⁠⁠⁠ Follow FFT Express on Spotify: ⁠⁠⁠https://open.spotify.com/show/6qyGWfETSBFaciPrtvoWCC?si=6529cbee20634da8⁠⁠⁠ SUBSCRIBE to FFT Dynasty on Apple: ⁠⁠⁠https://podcasts.apple.com/us/podcast/fantasy-football-today-dynasty/id1696679179⁠⁠⁠ FOLLOW FFT Dynasty on Spotify: ⁠⁠⁠https://open.spotify.com/show/2aHlmMJw1m8FareKybdNfG?si=8487e2f9611b4438&nd=1⁠⁠⁠ SUBSCRIBE to FFT DFS on Apple: ⁠⁠⁠https://podcasts.apple.com/us/podcast/fantasy-football-today-dfs/id1579415837⁠⁠⁠ FOLLOW FFT DFS on Spotify: ⁠⁠⁠https://open.spotify.com/show/5zU7pBvGK3KPhfb69Q1hNr?si=1c5030a3b1a64be2⁠⁠⁠ Follow our FFT team on Twitter:⁠⁠⁠ @FFToday⁠⁠⁠,⁠⁠⁠ @AdamAizer⁠⁠⁠,⁠⁠⁠ @JameyEisenberg⁠⁠⁠,⁠⁠⁠ @daverichard⁠⁠⁠,⁠⁠⁠ @heathcummingssr⁠⁠⁠ Follow the brand new FFT TikTok account: ⁠⁠⁠https://www.tiktok.com/@fftoday⁠⁠⁠ Join our Facebook group⁠⁠⁠ https://www.facebook.com/groups/FantasyFootballToday/⁠⁠⁠ Sign up for the FFT newsletter⁠⁠⁠ https://www.cbssports.com/newsletter⁠⁠⁠ You can listen to Fantasy Football Today on your smart speakers! Simply say "Alexa, play the latest episode of the Fantasy Football Today podcast" or "Hey Google, play the latest episode of the Fantasy Football Today podcast." Visit the ⁠⁠⁠betting arena on CBSSports.com⁠⁠⁠ for all the latest ⁠⁠⁠sportsbook reviews⁠⁠⁠ and ⁠⁠⁠sportsbook promos⁠⁠⁠. To learn more about listener data and our privacy practices visit: https://www.audacyinc.com/privacy-policy Learn more about your ad choices. Visit https://podcastchoices.com/adchoices

Kara and Scott discuss former President Joe Biden's cancer diagnosis, and the reactions across the political spectrum. Then, Moody's downgrades the U.S. credit rating, and Republicans try to pass Trump's "Big Beautiful Bill." Plus, Walmart and Apple face Trump's bully tactics, Meta delays its new AI model, and Novo Nordisk's CEO is out amid rising competition in the weight loss drug market. Follow us on Instagram and Threads at @pivotpodcastofficial. Follow us on Bluesky at @pivotpod.bsky.social. Follow us on TikTok at @pivotpodcast. Send us your questions by calling us at 855-51-PIVOT, or at nymag.com/pivot. Learn more about your ad choices. Visit podcastchoices.com/adchoices

Week 2 of the Diddy trial is underway and gets darker. Cassie's former best friend takes the stand, detailing a disturbing assault she claims Diddy inflicted on her — and the moment that ended her friendship with Cassie. Dawn Richard of Danity Kane breaks her silence. Meanwhile, Diddy's own family appears to distance themselves in court. Is his inner circle finally cracking?

Today, Morgan and I share our favorite scary stories from Reddit. Which ones haunt you the most? Get stickers! https://shop.heartstartspounding.com/ Subscribe on ⁠Patreon ⁠for bonus content and to become a member of our Rogue Detecting Society. Patrons have access to bonus content as well as other perks. And members of our High Council on Patreon have access to our after-show called Footnotes, where I share my case file with our producer, Matt. Apple subscriptions are now live! Get access to bonus episodes and more when you subscribe on Apple Podcasts. Follow on ⁠Tik Tok ⁠and ⁠Instagram⁠ for a daily dose of horror. To learn more about listener data and our privacy practices visit: https://www.audacyinc.com/privacy-policy Learn more about your ad choices. Visit https://podcastchoices.com/adchoices

Ep 242: When one of the most famous Mexican-American entertainers of the 20th century was murdered, it shocked the world. But why was she killed? Was it jealously, obsession, or revenge? This is the Selena Quintanilla-Pérez story. Sources for Today's Episode: Biography.com NY times People.com NBC news Associated Press Sponsors: (thanks for using our promo codes, it really does help the show!) One Skin - Get 15% off OneSkin with the code wac at https://www.oneskin.co/ #oneskinpod Chewy - right now you can save $20 on your first order and get free shipping by going to Chewy.com/women. Minimum purchase required. New customers only. Terms and conditions apply. See site for complete details. Credits: • Written and Hosted by Amy Shlosberg and Meghan Sacks • Produced by James Varga • Audio Editor, Jose Alfonzo • Script Editor, Abagail Belcastro • Music by Dessert Media Get Even More Women&Crime Episodes: • Patreon - Ad-free shows starting at $2 a month, or upgrade for $5 a month to get a new extra episode every month, as well as exclusive virtual HappyHours with Meg & Amy. Check-out other tiers for perks such as lectures, true crime book club, and more! Visit our Patreon page for more info: https://www.patreon.com/womenandcrime • Apple Subscriptions - Exclusive episodes and ad-free regular stories are now available through Apple's podcast app for only $4.99 a month, or save with an annual membership. • YouTube Memberships - Exclusive episode available on YouTube for only $4.99 a month. https://www.youtube.com/@WomenandCrime/membership Help is Available: If you or someone you know is in a crisis situation, or a victim of domestic, or other violence, there are many organizations that can offer support or help you in your specific situation. For direct links to these organizations please visit https://womenandcrimepodcast.com/resources/ Keywords: Selena, Tejano, Yolanda Saldivar, Madonna, Jennifer Lopez Learn more about your ad choices. Visit megaphone.fm/adchoices

We've got another update to our running list of the year's best songs with the return of Fiona Apple, Laufey, deep reflections from Lord Huron and more.Featured artists and songs:1. Fiona Apple: "Pretrial (Let Her Go Home)" (single)2. Jerskin Fendrix: "SK1" (single)3. Lord Huron: "Looking Back," from 'The Cosmic Selector, Vol. 1'4. Eph See: "Malachi The Uber Driver" (Tiny Desk Contest entry)5. Kacy Hill: "Please Don't Cry" (single)6. Laufey: "Tough Luck," from 'A Matter Of Time''All Songs Considered' 25th anniversary segment: Our No. 1 songs from 2013Weekly reset: Neighborhood birds on a spring morningEnjoy the show? Share it with a friend and leave us a review on Apple or wherever you listen to podcasts. Questions, comments, suggestions or feedback of any kind always welcome: allsongs@npr.org Hear new songs from past episodes in the All Songs Considered playlists in Apple Music and Spotify.Learn more about sponsor message choices: podcastchoices.com/adchoicesNPR Privacy Policy

The Real Reason NVIDIA Surpassed Apple to Become Second Most ValuableJoin our Exclusive Patreon!!!Creating Financial Empowerment for those who've never had it.

Lily wants to have satisfying sex that plays to her core desires, but lately it's been hard to describe to potential partners exactly what she wants. On this episode of How To!, Carvell Wallace brings on Dr. Danielle Harel and Celeste Hirschman—sexologists, authors, and the founders of the Somatica Institute. They coach Lily (and all of us) on how to define the individual experiences we're seeking—and communicate them to others. If you liked this episode check out:  How To Have the Best Sex of Your Life How To Make Sexual Consent Sexy How To Orgasm How To Lose Your ‘Virginity' at 43 How To Have an Open Relationship Also: Death, Sex & Money's Sex Parties and Shakespeare With Carvell Wallace Do you have a problem that needs solving? Send us a note at howto@slate.com or leave us a voicemail at 646-495-4001 and we might have you on the show. Subscribe for free on Apple, Spotify or wherever you listen. The show is produced by Rosemary Belson, with Kevin Bendis. Our technical director is Merritt Jacob and our supervising producer is Joel Meyer. Want more How To!? Subscribe to Slate Plus to unlock exclusive bonus episodes. Plus, you'll access ad-free listening across all your favorite Slate podcasts. Subscribe now on Apple Podcasts by clicking “Try Free” at the top of the How To! show page. Or, visit slate.com/howtoplus to get access wherever you listen. Learn more about your ad choices. Visit megaphone.fm/adchoices

Lily wants to have satisfying sex that plays to her core desires, but lately it's been hard to describe to potential partners exactly what she wants. On this episode of How To!, Carvell Wallace brings on Dr. Danielle Harel and Celeste Hirschman—sexologists, authors, and the founders of the Somatica Institute. They coach Lily (and all of us) on how to define the individual experiences we're seeking—and communicate them to others. If you liked this episode check out:  How To Have the Best Sex of Your Life How To Make Sexual Consent Sexy How To Orgasm How To Lose Your ‘Virginity' at 43 How To Have an Open Relationship Also: Death, Sex & Money's Sex Parties and Shakespeare With Carvell Wallace Do you have a problem that needs solving? Send us a note at howto@slate.com or leave us a voicemail at 646-495-4001 and we might have you on the show. Subscribe for free on Apple, Spotify or wherever you listen. The show is produced by Rosemary Belson, with Kevin Bendis. Our technical director is Merritt Jacob and our supervising producer is Joel Meyer. Want more How To!? Subscribe to Slate Plus to unlock exclusive bonus episodes. Plus, you'll access ad-free listening across all your favorite Slate podcasts. Subscribe now on Apple Podcasts by clicking “Try Free” at the top of the How To! show page. Or, visit slate.com/howtoplus to get access wherever you listen. Learn more about your ad choices. Visit megaphone.fm/adchoices

In this Bible Story, we witness the triumph of David over the Syrians and Ammonites. He claims victory after victory in battle, and brings Israel into a place of peace with many surrounding nations. This story is inspired by 2 Samuel 10 & 1 Chronicles 19-20. Go to BibleinaYear.com and learn the Bible in a Year.Today's Bible verse is 2 Samuel 10:12 from the King James Version.Episode 101: David's friend Nahash, king of the Ammonites had died, and his son Hanun took his place. David, wishing to show compassion to Hanun, sent him some servants with gifts to mourn the loss of his father. But Hanun's servants were evil and spoke lies about David's servants in his ears. Believing these lies Hanun shaved the servants, shamed them, and sent them away. This led to a ferocious battle between David and the Ammonites. Many lives were needlessly lost because of the lies Hanun believed.Hear the Bible come to life as Pastor Jack Graham leads you through the official BibleinaYear.com podcast. This Biblical Audio Experience will help you master wisdom from the world's greatest book. In each episode, you will learn to apply Biblical principles to everyday life. Now understanding the Bible is easier than ever before; enjoy a cinematic audio experience full of inspirational storytelling, orchestral music, and profound commentary from world-renowned Pastor Jack Graham.Also, you can download the Pray.com app for more Christian content, including, Daily Prayers, Inspirational Testimonies, and Bedtime Bible Stories.Visit JackGraham.org for more resources on how to tap into God's power for successful Christian living.Pray.com is the digital destination of faith. With over 5,000 daily prayers, meditations, bedtime stories, and cinematic stories inspired by the Bible, the Pray.com app has everything you need to keep your focus on the Lord. Make Prayer a priority and download the #1 App for Prayer and Sleep today in the Apple app store or Google Play store.Executive Producers: Steve Gatena & Max BardProducer: Ben GammonHosted by: Pastor Jack GrahamMusic by: Andrew Morgan SmithBible Story narration by: Todd HaberkornSee omnystudio.com/listener for privacy information.

Aaron Bruski & Dr. A are back on Fantasy NBA Today with Part 2 of our Top 60 Fantasy Basketball Players (8-cat totals) — and the next group is full of bold takes and tough calls. Today's featured players: Michael Porter Jr. Scottie Barnes Jalen Green Rudy Gobert Naz Reid Franz Wagner What's real? Who's a value next year? And who's due for regression? PLUS:

In this short podcast episode, Bryan talks about what the ambient rating means on a motor. These ratings can be found on both condensing fan motors and blower motors. They have Cs in their rating, which represents the maximum ambient temperature the motor can handle in degrees Celsius (like 40C or 60C). Heat and overvoltage kill motors, and motors with higher ratings can withstand higher temperatures and last longer in hot conditions. Be careful not to confuse this rating with the insulation class (which is classed by letters and corresponds to temperature limits). You could have a condition where you exceed the insulation's rating but not the ambient rating.  Air over operations (especially in the case of TEAO motors - totally enclosed air over motors) also play a role. The airflow helps cool the motor, and airflow restrictions like dirt and soil can create conditions that cause the motor to exceed its rating.  Motor bearings also matter. Ball bearings tend to last longer and withstand higher temperatures than sleeve bearings, but they are noisier. Many motors use sleeve bearings, and replacing a sleeve bearing motor with a motor that uses ball bearings may negatively affect the homeowner's comfort due to the noise, so that's a conversation you'll want to have with the customer and set realistic expectations.   Have a question that you want us to answer on the podcast? Submit your questions at https://www.speakpipe.com/hvacschool. Purchase your tickets or learn more about the 6th Annual HVACR Training Symposium at https://hvacrschool.com/symposium. Subscribe to our podcast on your iPhone or Android. Subscribe to our YouTube channel. Check out our handy calculators here or on the HVAC School Mobile App for Apple and Android

- Judge Will Hear Epic Argument Over Fortnite App Store Denial - Update to Spotify iOS App Eases Audiobook Friction - Evercore Weighs Risks Faced by Apple Services - Russia Fines Apple $130k for LGBT “Offenses” - Apple Releases iPadOS 17.7.8 After Pulling iPadOS 17.7.7 - Apple Updates Sports App, Promotes Sports Newsletter - CFPB won't protect US consumers from data brokers, plus a look at the security side of recent OS updates from Apple on Checklist 423 - find it at checklist.libsyn.com - Catch Ken on Mastodon - @macosken@mastodon.social - Send Ken an email: info@macosken.com - Chat with us on Patreon for as little as $1 a month. Support the show at Patreon.com/macosken

Today's show: Jason and Lon explore the wild edges of tech innovation and regulation — from a student-built acoustic weapon that takes down drones (without harming humans) to the legal gray areas of drone defense over private property. They also unpack the escalating espionage drama between Rippling and Deel, and dive into FireCrawl's viral move to hire AI agents as employees. Plus, a deep look at how world-class design and systems thinking can set startups apart. Packed with insights, laughs, and cutting-edge ideas across defense tech, AI, and startup strategy.Timestamps:(0:00) Episode Teaser(1:39) Intro and Jason and Lon share their love of Andor(6:52) How to spot "World Class Design" and why it matters(10:27) NetSuite - Download the CFO's Guide to AI and Machine Learning for free at https://www.netsuite.com/twist(15:50) Athena, Hillstone, and creating the right system(20:00) Northwest Registered Agent - Form your entire business identity in just 10 clicks and 10 minutes. Get more privacy, more options, and more done—visit northwestregisteredagent.com/twist today!(23:21) So... corporate espionage is BAD? is what you're saying?(30:14) Gemini Canvas - It uses AI to help you write, code, and create in one interactive space. Try it at gemini.google.com/canvas.(32:11) Why Firecrawl is hiring AI agents for staff positions(38:28) Bluesky might not be falling after all?(44:39) How Prandtl Dynamics is shooting drones out of the skySubscribe to the TWiST500 newsletter: https://ticker.thisweekinstartups.comCheck out the TWIST500: https://www.twist500.comSubscribe to This Week in Startups on Apple: https://rb.gy/v19fcpLinks from episode:Prandtl: https://prandtldynamics.com/Follow Lon:X: https://x.com/lonsFollow Alex:X: https://x.com/alexLinkedIn: ⁠https://www.linkedin.com/in/alexwilhelmFollow Jason:X: https://twitter.com/JasonLinkedIn: https://www.linkedin.com/in/jasoncalacanisThank you to our partners:(10:27) NetSuite - Download the CFO's Guide to AI and Machine Learning for free at https://www.netsuite.com/twist(20:00) Northwest Registered Agent - Form your entire business identity in just 10 clicks and 10 minutes. Get more privacy, more options, and more done—visit northwestregisteredagent.com/twist today!(30:14) Gemini Canvas - It uses AI to help you write, code, and create in one interactive space. Try it at gemini.google.com/canvas.Great TWIST interviews: Will Guidara, Eoghan McCabe, Steve Huffman, Brian Chesky, Bob Moesta, Aaron Levie, Sophia Amoruso, Reid Hoffman, Frank Slootman, Billy McFarlandCheck out Jason's suite of newsletters: https://substack.com/@calacanisFollow TWiST:Twitter: https://twitter.com/TWiStartupsYouTube: https://www.youtube.com/thisweekinInstagram: https://www.instagram.com/thisweekinstartupsTikTok: https://www.tiktok.com/@thisweekinstartupsSubstack: https://twistartups.substack.comSubscribe to the Founder University Podcast: https://www.youtube.com/@founderuniversity1916

In this episode, Scott Becker breaks down the five largest U.S. companies by revenue—Walmart, Amazon, UnitedHealthcare, Apple, and CVS.

Sia Nejad and Mike McClure preview the 2025 Charles Schwab Challenge from a DFS perspective with picks, strategy and more for this week's lineup. (0:00) Intro + last week's DFS at the PGA (3:01) Course Breakdown: Colonial Country Club + Scottie in the field (7:25) 10k+ | There are two guys here. Two! Is it too hard to get Scottie in a lineup? (14:40) 9k | “I'm getting two 9k guys in every lineup” (20:28) 8k | A lot of love for this range (28:11) 7k | Mike is top heavy in this range, but which ones specifically? (36:08) 6k | How low will ya go? #SportsBetting #Gambling #Betting #DraftKings #FantasySports #FantasyGolf #PGATour #PGADFS #CharlesSchwabChallenge #EarlyWedge #golf

Sia Nejad is joined by PropStarz, Matt Snyder, Mike Barner, and special guest Sean Litte to give out their favorite NBA and MLB Bets for Tuesday's games! (0:00) Intro + Knicks v. Pacers (3:04) Snyper's MLB Picks (5:59) Sean's NBA Picks (9:35) Thunder-Timberwolves Series Thoughts (12:53) SportsLine Picks (13:12) Snyper's Braves Game Thoughts (14:30) PropStarz NBA Prop (16:06) Mike's NBA Prop (17:45) Best Sports Team Intros (19:45) Sia's Golf Pick (21:23) Model HR Props (22:17) Pacers-Knicks Game 1/Series Thoughts (27:09) Recap Screen #Gambling #Betting #NBA #Sportsbets #MLBBets #MLBPicks #BaseballBets #NBAPlayoffs #NBAPicks #NBABets #Thunder #Timberwolves #Basketball #Baseball

Dan Nathan is joined by Brad Erickson, an internet analyst at RBC Capital Markets, at the RBC Capital Private Tech Conference. They discuss the performance and outlook of key tech stocks like Google and Meta amidst market volatility and AI developments. The conversation highlights the impact of AI search on Google's revenue and the competitive landscape between Google and Apple. Erickson also touches on Meta's growth in advertising efficiency and new product rollouts. After the break, Dan dives into the broader effects of generative AI on other software companies like ServiceNow and Snowflake with Matt Hedberg, Managing Director and Head of Software Research at RBCCM. Hedberg elaborates on the early monetization of AI in software, the long-term potential of companies like Snowflake and ServiceNow, and the strategic importance of cybersecurity firms like CrowdStrike and Palo Alto in an evolving tech landscape. —FOLLOW USYouTube: @RiskReversalMediaInstagram: @riskreversalmediaTwitter: @RiskReversalLinkedIn: RiskReversal Media

Jase shares a tender moment with Miss Kay and her new mama bird friend—one that helps him see beauty in aging. Al opens up about caring and praying for Phil, who still shines with the Holy Spirit even in his decline. Jase reflects on why he and Miss Kay clashed in his youth and how he now sees her love more clearly. The guys turn to Romans 8 to find hope, strength, and God's design in every season of life, especially the difficult ones. In this episode: Romans 8, verses 17–39; 1 Corinthians 15, verses 22-26; Ephesians 3, verses 14–19; Matthew 28, verses 18–20; Hebrews 12, verses 5–11 “Unashamed” Episode 1094 is sponsored by: https://preborn.com/unashamed — Click the link or dial #250 and use keyword BABY to donate today. https://myphdweightloss.com — Find out how Al is finally losing weight! Schedule your one-on-one consultation today by visiting the website or calling 864-644-1900. https://tnusa.com/unashamed — Call 1-800-958-1000 or visit the website for more details. https://puretalk.com/unashamed — Support veterans by switching to America's wireless company for as little as $25 per month today! Listen to Not Yet Now with Zach Dasher on Apple, Spotify, iHeart, or anywhere you get podcasts. — Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode, Payton and Garrett explore the disturbing case of Bob Eidman. When a delivery driver discovers a body at one of her routine stops, her call for help sets off a chain of events that unravels into a full-scale murder investigation. LINKS: Patreon: https://www.patreon.com/murderwithmyhusband NEW MERCH LINK: https://mwmhshop.com Discount Codes: https://mailchi.mp/c6f48670aeac/oh-no-media-discount-codes Twitch: https://www.twitch.tv/themwmh Instagram: https://www.instagram.com/murderwithmyhusband/ Watch on Youtube: https://www.youtube.com/@murderwithmyhusband Listen on Apple: https://podcasts.apple.com/us/podcast/into-the-dark/id1662304327 Listen on spotify: https://open.spotify.com/show/36SDVKB2MEWpFGVs9kRgQ7?si=f5224c9fd99542a7 Case Sources: ABC.com - https://abc.com/episode/96476da5-dec0-4ae7-87da-d65b81698c87/playlist/pl557226598 ABCNews.go.com - https://abcnews.go.com/US/insurance-salesmans-murder-reveals-secret-double-life/story?id=118264241 Fox2Now.com - https://fox2now.com/news/true-crime/bob-eidman-true-crime-series-20-20-explores-st-charles-murder-mystery/ Yahoo.com - https://www.yahoo.com/news/bob-eidman-true-crime-series-230519586.html Oxygen.com - https://www.oxygen.com/in-ice-cold-blood/crime-time/insurance-salesman-bob-eidman-office-murder-solved-dna AOL.com - https://www.aol.com/look-insurance-salesmans-murder-reveals-110928300.html Caselaw.findlaw.com - https://caselaw.findlaw.com/court/mo-court-of-appeals/1658449.html STLToday.com - https://www.stltoday.com/news/local/stcharles/man-who-murdered-st-charles-insurance-agent-sentenced-to-two-life-terms/article_d1193768-0104-11e2-8557-0019bb30f31a.html Happyscribe.com - https://www.happyscribe.com/public/20-20/file-m-for-murder Learn more about your ad choices. Visit podcastchoices.com/adchoices

On today's episode of The Right Time, Bomani Jones reacts to the NBA Conference Finals being set and the newest Caitlin Clark vs Angel Reese tussle. Bo starts off the show by saying this is the most fun outcome we could've gotten for the NBA Conference Finals because we are exiting the dynasty saga era (2:14). Bo continues to explain why we're trending towards a 1 superstar per team phase in the NBA (9:10) and why these remaining four teams still may feel incomplete (11:17). Bo transitions to the WNBA where we saw another scuffle between Angel Reese and Caitlin Clark, which prompts Bo to ask how can we enjoy the WNBA without being chronically online (27:01)? Bo declares that it's hardly ever about just basketball with the WNBA lately (27:42) and it's obvious Clark and Reese do not like each other (30:08). And finally, we have another round of If You Haven't Heard stories involving the Diddy Trial jury members, why fur is making a comeback and the United CEO pleading that Newark Airport is safe (38:30). Then Bomani listens to some voicemails about someone you knew that had brothers you wanted no problems with (47:28). If You Haven't Heard Contributors: Laura Italiano, senior correspondent at Business Insider, "Meet the 8 men and 4 women who will decide Diddy's fate" https://www.businessinsider.com/diddy-trial-jury-selection-complete-meet-jurors-sean-combs-2025-5Christina Cauterucci, senior writer at Slate, "Fur Is Back. I Know Why."https://slate.com/life/2025/05/fur-back-fashion-style-why.html?pay=1747658946086&support_journalism=pleaseRobert Barba & Alison Sider, News Editor & Reporter for The Wall Street Journal, "United CEO Reassures Customers That Newark Airport Is Safe" https://www.wsj.com/business/airlines/united-ceo-reassures-customers-that-newark-airport-is-safe-277605d7?mod=hp_lead_pos11 . . . Subscribe to The Right Time with Bomani Jones on Spotify, Apple or wherever you get your podcasts and follow the show on Instagram, Twitter, and Tik Tok for all the best moments from the show. Download Full Podcast Here: Spotify: https://open.spotify.com/show/6N7fDvgNz2EPDIOm49aj7M?si=FCb5EzTyTYuIy9-fWs4rQA&nd=1&utm_source=hoobe&utm_medium=social Apple: https://podcasts.apple.com/us/podcast/the-right-time-with-bomani-jones/id982639043?utm_source=hoobe&utm_medium=social Follow The Right Time with Bomani Jones on Social Media: http://lnk.to/therighttime Subscribe to Supercast for Ad-Free Episodes: https://righttime.supercast.com/ Support the Show: Discover faster, more reliable search with Perplexity today. Download the app or ask Perplexity anything at perplexity.com! https://pplx.ai/bomani-jones Download the DraftKings Pick Six app NOW and use code BOMANI. Better payouts. Bigger wins. Only with Pick6 from DraftKings. The Crown is yours. Learn more about your ad choices. Visit megaphone.fm/adchoices

Lasting change begins with a shift in both mindset and behavior. Many people remain stuck in self-defeating patterns because of unconscious narratives, emotional triggers, and a disconnection from their body's inner wisdom. Change isn't just about willpower or information—it's about learning to rewire the brain through small, intentional actions that generate powerful emotional feedback loops. Identity transformation happens not through repetition, but through experiences that create a sense of success. In a world flooded with conflicting advice and manipulative marketing, reclaiming agency requires tuning into your own signals, building self-trust, and recognizing that behavior change is a design challenge—not a character flaw. Empowerment comes from realizing that the ability to change is built into who we are as humans. In this episode, I speak with Tom Bilyeu, Dr. Rangan Chatterjee, and Dr. BJ Fogg about cracking the nut of behavior change. Tom Bilyeu is a filmmaker and serial entrepreneur best known as the co-founder of Quest Nutrition, a billion-dollar company built to combat metabolic disease through value-driven innovation. After nearly a decade of chasing financial success and feeling unfulfilled, he realized the importance of loving the struggle itself. This insight led him and his partners to shift focus from profit to purpose. Quest quickly became the second fastest-growing company in North America, according to Inc. Magazine. After achieving significant personal wealth, Tom turned to the other global crisis he saw—disempowering mindsets. To address this, he co-founded Impact Theory, a media studio with his wife, Lisa Bilyeu. Their mission is to scale mindset transformation by producing empowering content that shifts the cultural subconscious. Just as Disney built the most magical place on Earth, the Bilyeus aim to build the most empowering one. Dr. Rangan Chatterjee is regarded as one of the most influential doctors in the UK. A practicing GP for the last two decades, Dr. Chatterjee wants to inspire people to transform their health by making small, sustainable changes to their lifestyles. Host of the #1 Apple podcast, Feel Better, Live More, and presenter of BBC 1's Doctor in the House, Dr. Chatterjee is the author of 5 Sunday Times bestselling books and his TED Talk, “How to Make Diseases Disappear,” has now been viewed over 4.8 million times. His newest book is Happy Mind, Happy Life: The New Science of Mental Well-Being. Dr. BJ Fogg is a behavior scientist, author, and founder of the Behavior Design Lab at Stanford University, where he has researched human behavior since 1998. He developed the groundbreaking “Behavior Design” system, which explains how behavior works and how to design it effectively. Over the past decade, his lab has focused on practical applications—from helping people navigate coronavirus-related challenges to training climate change professionals in behavior change strategies. BJ is also the creator of the “Tiny Habits” method, a simple, science-backed approach to habit formation that has helped over 40,000 people make lasting life changes. His work empowers individuals and organizations to design behavior that benefits both people and the planet. He shares his insights in the New York Times best-selling book, Tiny Habits: The Small Changes That Change Everything. This episode is brought to you by BIOptimizers. Head to bioptimizers.com/hyman and use code HYMAN10 to save 10%. Full-length episodes can be found here: Why Your Mindset Matters If You Want Health And WealthHow to Make Change That Lasts with Dr. Rangan ChatterjeeHow to Make Behavior Change Stick

Ready for some surprises? We'll give you possible Fantasy stunners after we talk about Brock Purdy (4:15) and why he's a great value on draft day, but does he have big upside? ... Jamey wouldn't be surprised if Saquon Barkley is not a Top 10 running back (18:00)! But Jamey is going to be more optimistic about rookie RBs (25:10). Dave wouldn't be surprised if Patrick Mahomes returns to the Fantasy elite (29:40), and Dave gives his take on the Top 2 rookie tight ends (33:00) ... Heath wouldn't be surprised if a couple of late-round QBs end up as studs (40:35) or if Travis Hunter is better than Brian Thomas Jr. (45:05). And Adam has some bold takes on Tre Harris (47:50) and Justin Jefferson (57:40) ... Email us at fantasyfootball@cbsi.com Fantasy Football Today is available for free on the Audacy app as well as Apple Podcasts, Spotify and wherever else you listen to podcasts Watch FFT on YouTube⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ https://www.youtube.com/fantasyfootballtoday⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Shop our store: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠shop.cbssports.com/fantasy⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠  SUBSCRIBE to FFT Express on Apple: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://podcasts.apple.com/us/podcast/fantasy-football-today-express/id1528634304⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Follow FFT Express on Spotify: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://open.spotify.com/show/6qyGWfETSBFaciPrtvoWCC?si=6529cbee20634da8⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ SUBSCRIBE to FFT Dynasty on Apple: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://podcasts.apple.com/us/podcast/fantasy-football-today-dynasty/id1696679179⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ FOLLOW FFT Dynasty on Spotify: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://open.spotify.com/show/2aHlmMJw1m8FareKybdNfG?si=8487e2f9611b4438&nd=1⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ SUBSCRIBE to FFT DFS on Apple: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://podcasts.apple.com/us/podcast/fantasy-football-today-dfs/id1579415837⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ FOLLOW FFT DFS on Spotify: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://open.spotify.com/show/5zU7pBvGK3KPhfb69Q1hNr?si=1c5030a3b1a64be2⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Follow our FFT team on Twitter:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ @FFToday⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠,⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ @AdamAizer⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠,⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ @JameyEisenberg⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠,⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ @daverichard⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠,⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ @heathcummingssr⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Follow the brand new FFT TikTok account: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.tiktok.com/@fftoday⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Join our Facebook group⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ https://www.facebook.com/groups/FantasyFootballToday/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Sign up for the FFT newsletter⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ https://www.cbssports.com/newsletter⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ You can listen to Fantasy Football Today on your smart speakers! Simply say "Alexa, play the latest episode of the Fantasy Football Today podcast" or "Hey Google, play the latest episode of the Fantasy Football Today podcast." Visit the ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠betting arena on CBSSports.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ for all the latest ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠sportsbook reviews⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠sportsbook To learn more about listener data and our privacy practices visit: https://www.audacyinc.com/privacy-policy Learn more about your ad choices. Visit https://podcastchoices.com/adchoices

In the winter of 1997, a man-eating tiger terrorized a remote village in the Russian Far East. This wasn't a defensive attack — the tiger was hunting specific humans, with eerie patience and purpose. What followed is one of the most chilling wildlife stories ever documented. Listen to Watch Her Cook on Apple and Spotify! Follow us on Instagram Sources: The Tiger: A True Story of Vengeance and Survival, by John Vaillant (2010). Conflict Tiger, film by Sasha Snow (2006). For a full list of our sources, visit npadpodcast.com/episodes For the latest NPAD updates, group travel details, merch and more, follow us on npadpodcast.com and our socials at: Instagram: @nationalparkafterdark TikTok: @nationalparkafterdark Support the show by becoming an Outsider and receive ad free listening, bonus content and more on Patreon or Apple Podcasts. Want to see our faces? Catch full episodes on our YouTube Page! Thank you to the week's partners! Liquid IV: Use our code NPAD at checkout to get 20% off your first order.  IQBAR: Text PARK to 64000 to get 20% off all IQBAR products and free shipping Hello Fresh: Use our link to get up to 10 FREE meals and a free item for life. BetterHelp: National Park After Dark is sponsored by BetterHelp. Get 10% off.

This week on Serialously with Annie Elise, tune in to break down the newly uncovered details about Bryan Kohberger's alleged timeline, from the moment he began circling the house to the exact sequence of movements police believe unfolded inside. With fresh insights from Dateline's latest special, witness never-before-seen surveillance footage and interviews. For those of you who've followed every twist in this case… this goes even deeper. 

Why do we have Finger & Toenails? What color should Fingernails be? What's that little white half-moon at the bottom of your Fingernails? Have you started your FREE TRIAL of Who Smarted?+ for AD FREE listening, an EXTRA episode every week & bonus content? Sign up right in the Apple app, or directly at WhoSmarted.com and find out why more than 1,000 families are LOVING their subscription! Get official Who Smarted? Merch: tee-shirts, mugs, hoodies and more, at Who Smarted?

GTA 6 trailer 2 and anticipation Grok Pivots From 'White Genocide' to Being 'Skeptical' About the Holocaust Elon Musk's apparent power play at the Copyright Office completely backfired Microsoft CEO Satya Nadella Explains How He's Making Himself Obsolete With AI How Finland's district heating systems are harvesting heat from data centers; Microsoft's project in Kirkkonummi will be the largest in the world when completed OpenAI launches Codex, an AI coding agent, in ChatGPT China begins assembling its supercomputer in space NASA engineers revive Voyager 1's dead thrusters from 15 billion miles away 25% of steam playeres play Blue Prince Jamie Lee Curtis publicly shamed Mark Zuckerberg to remove a deepfaked ad Fortnite players can speak with Darth Vader through a James Earl Jones-voiced AI Epic Games says Apple is blocking Fortnite from the US and EU App Stores Epic wants the court to compel Apple to approve Fortnite's return to the US App Store Nextcloud accuses Google of "Big Tech gatekeeping" over Android app permissions Samsung's Galaxy S25 Edge starts off the super thin phone era Square's $399 Handheld accepts tap-to-pay at your table Montana Becomes First State To Close the Law Enforcement Data Broker Loophole - Slashdot Republicans Try to Cram Ban on AI Regulation Into Budget Reconciliation Bill The first US hub for experimental medical treatments is coming The US Army is getting in on right-to-repair They're just giving up and calling it HBO Max again Host: Leo Laporte Guests: Wil Harris, Devindra Hardawar, and Harper Reed Download or subscribe to This Week in Tech at https://twit.tv/shows/this-week-in-tech Join Club TWiT for Ad-Free Podcasts! Support what you love and get ad-free shows, a members-only Discord, and behind-the-scenes access. Join today: https://twit.tv/clubtwit Sponsors: oracle.com/twit ziprecruiter.com/twit drata.com/weekintech monarchmoney.com with code TWIT Melissa.com/twit

In this episode Tim Pilleri speaks with Terri Barnes, Davohnte Morgan's mom about Davohnte's disappearance from Mount Shasta, California in May of 2020. If you have any information please call the Mount Shasta Police at 530-926-7540. This episode previously aired on Missing on November 3rd, 2022. Follow Terri on TikTok: ⁠⁠https://www.tiktok.com/@mamatee415⁠. Young Patch (Davohnte's brother) music video about Davohnte: ⁠⁠https://youtu.be/V_TbwrkxhLU. FB page: ⁠https://www.facebook.com/Missing.DaVohnteMorgan/. Please donate if you can - GoFundMe: ⁠https://www.gofundme.com/f/search-for-davohnte-morgan⁠. Recent Media: https://kobi5.com/news/davohnte-morgan-5-years-missing-from-mt-shasta-city-273539/. Follow Missing: IG:⁠⁠ https://www.instagram.com/MissingCSM/⁠⁠. TT:⁠⁠ https://www.tiktok.com/@missingcsm⁠⁠. FB:⁠⁠ https://www.facebook.com/MissingCSM⁠⁠. X:⁠⁠ https://twitter.com/MissingCSM⁠⁠. Spotify:⁠⁠ https://open.spotify.com/show/0yRXkJrZC85otfT7oXMcri⁠⁠. Youtube:⁠⁠ https://www.youtube.com/missingcsm⁠⁠. Apple:⁠⁠ https://podcasts.apple.com/us/podcast/missing/id1006974447⁠⁠. Follow Crawlspace: IG:⁠⁠ https://www.instagram.com/Crawlspacepodcast⁠⁠. TT:⁠⁠ https://www.tiktok.com/@crawlspacepodcast⁠⁠. FB:⁠⁠ https://www.facebook.com/Crawlspacepodcast⁠⁠. X:⁠⁠ https://twitter.com/crawlspacepod.⁠⁠ Spotify:⁠⁠ https://open.spotify.com/show/7iSnqnCf27NODdz0pJ1GvJ⁠⁠. Youtube:⁠⁠ https://www.youtube.com/crawlspace⁠⁠. Apple:⁠⁠ https://podcasts.apple.com/us/podcast/crawlspace-true-crime-mysteries/id1187326340⁠⁠. Check out our entire network at⁠⁠ http://crawlspace-media.com/⁠⁠. Learn more about your ad choices. Visit megaphone.fm/adchoices

This episode is sponsored by ZocDoc! Stop putting off those doctors appointments and go to Zocdoc. com/CUTE to find and instantly book a top-rated doctor today. To access AD FREE versions of our episodes, as well as bonus episodes and uncut audio and video, subscribe to our Patreon!  If today's episode makes you laugh or scream, please do us a favor and rate our show 5 STARS on Apple or Spotify This is the easiest way for us to grow our community! Get your Cutie MERCH! We're on YOUTUBE! Be sure to subscribe so you don't miss a second of our hijinx - now on video! Follow Us on Social Media! Chelsea: @ohnochels Donny: @realdonnywood Learn more about your ad choices. Visit megaphone.fm/adchoices

Join Premium! Ready for an ad-free meditation experience? Join Premium now and get every episode from ALL of our podcasts completely ad-free now! Just a few clicks makes it easy for you to listen on your favorite podcast player.  Become a PREMIUM member today by going to --> https://WomensMeditationNetwork.com/premium Join our Premium Sleep for Women Channel on Apple Podcasts and get ALL 5 of our Sleep podcasts completely ad-free! Join Premium now on Apple here --> https://bit.ly/sleepforwomen  Join our Premium Meditation for Kids Channel on Apple Podcasts and get ALL 5 of our Kids podcasts completely ad-free! Join Premium now on Apple here → https://bit.ly/meditationforkidsapple Hey, I'm so glad you're taking the time to be with us today. My team and I are dedicated to making sure you have all the meditations you need throughout all the seasons of your life.  If there's a meditation you desire, but can't find, email us at Katie Krimitsos to make a request. We'd love to create what you want!  Namaste, Beautiful,

Written by Simon Chadwick⭐Check out our new sister podcast! ⭐Super Silly Stories for KidsHi! Welcome to Super Silly Stories For Kids!I'm Billy, and I'll turn your wacky ideas into a story and read it on my show! The more madcap, the better!You can find us here and all podcast platforms!APPLE: https://podcasts.apple.com/gb/podcast/super-silly-stories-for-kids/id1813628878SPOTIFY: https://open.spotify.com/show/500ATWI2FgtksZnxItd4Hx?si=kldBrFUJR9-H6yvtIsvtJAI upload a new story every Tuesday and Friday! If you want a silly story, leave your ideas in the Apple Review section or email me at supersillystories4kids@gmail.comOkay. Here we go! :)Come and follow more adventures on our animated TV show on Youtube!

After putting her Type 2 Diabetes into remission within 3 months and getting off medications after 6 months following the Keto diet, Josephine Barbarino became an activist for Ketogenic Metabolic Therapies. She is the founder and CEO of the Keto Live Project—an organization on a mission to inform and educate about the power of food and the connection between our diet, insulin resistance, our metabolic health, and our immune system. She is also a highly successful architect. In this episode, Dr. Brian and Josephine talk about… (00:00) Intro (01:21) Josephine's career as an architect and how her architectural experience has assisted her in her new venture as a Keto-Activist (08:32) Josephine's health journey and why she pivoted in her career to became a Keto-Activist (24:06) Mood and cognitive improvement on the keto diet (29:05) Why metabolic health is worsening in Europe (33:27) Tailoring your low carb diet to your individual physiology (37:12) Why everyone should AT LEAST be eating real, Whole Foods (40:09) Tips for using CGMs effectively while on the keto diet (43:28) Informed consent and why medical professionals are massively deficient in nutritional knowledge (46:21) The upcoming Keto Live Conference (6/9 - 6/13) (59:30) The speaker line-up at the Keto Live Conference For more information, please see the links below. Thank you for listening!   Links:   Please consider supporting us on Patreon: https://www.lowcarbmd.com/   Josephine Barbarino: European Keto Live Centre: https://www.european-keto-live-centre.com/ Keto Live Project IG: https://www.instagram.com/keto_live_project/ Keto Live Conference IG: https://www.instagram.com/ketoliveconference/   Dr. Brian Lenzkes:  Website: https://arizonametabolichealth.com/ Twitter: https://twitter.com/BrianLenzkes?ref_src=twsrc^google|twcamp^serp|twgr^author   Dr. Tro Kalayjian:  Website: https://www.doctortro.com/ Twitter: https://twitter.com/DoctorTro Instagram: https://www.instagram.com/doctortro/   Toward Health App Join a growing community of individuals who are improving their metabolic health; together.  Get started at your own pace with a self-guided curriculum developed by Dr. Tro and his care team, community chat, weekly meetings, courses, challenges, message boards and more.    Apple: https://apps.apple.com/us/app/doctor-tro/id1588693888  Google: https://play.google.com/store/apps/details?id=uk.co.disciplemedia.doctortro&hl=en_US&gl=US Learn more: https://doctortro.com/community/ 

In this Bible Story, David comes to the realization that the Lord should have a temple built for him. Nathan the prophet agrees, and speaks for the Lord saying his kingdom would be established forever. The Lord blesses all of David’s exploits, and the kingdom of Israel continues to grow day by day. This story is inspired by 2 Samuel 7-8 & 4:4 & I Chronicles 17-18. Go to BibleinaYear.com and learn the Bible in a Year.Today's Bible verse is 2 Samuel 7:2 from the King James Version.Episode 100: As David looks around at his luxurious new home, he is struck by the sudden urge to build a better home for God. So he holds counsel with Nathan the Prophet and Nathan encourages him and prays for him. That night, Nathan receives a promise from God for David, a promise that God will build up the household of David. David exemplified what it meant for a leader to follow God. He worshiped God both in battle and in praise and he taught the nation to do the same.Hear the Bible come to life as Pastor Jack Graham leads you through the official BibleinaYear.com podcast. This Biblical Audio Experience will help you master wisdom from the world’s greatest book. In each episode, you will learn to apply Biblical principles to everyday life. Now understanding the Bible is easier than ever before; enjoy a cinematic audio experience full of inspirational storytelling, orchestral music, and profound commentary from world-renowned Pastor Jack Graham.Also, you can download the Pray.com app for more Christian content, including, Daily Prayers, Inspirational Testimonies, and Bedtime Bible Stories.Visit JackGraham.org for more resources on how to tap into God's power for successful Christian living.Pray.com is the digital destination of faith. With over 5,000 daily prayers, meditations, bedtime stories, and cinematic stories inspired by the Bible, the Pray.com app has everything you need to keep your focus on the Lord. Make Prayer a priority and download the #1 App for Prayer and Sleep today in the Apple app store or Google Play store.Executive Producers: Steve Gatena & Max BardProducer: Ben GammonHosted by: Pastor Jack GrahamMusic by: Andrew Morgan SmithBible Story narration by: Todd HaberkornSee omnystudio.com/listener for privacy information.

Mon, 19 May 2025 21:15:00 GMT http://relay.fm/upgrade/564 http://relay.fm/upgrade/564 California CarPlay Road Trip 564 Jason Snell and Myke Hurley The future of CarPlay is here, sort of, as we break down Apple's sales pitch for CarPlay Ultra. Also, Tim Cook's India iPhone plan gets noticed, Apple and Epic go around again on Fortnite, and Bloomberg portrays Apple's internal AI struggles. The future of CarPlay is here, sort of, as we break down Apple's sales pitch for CarPlay Ultra. Also, Tim Cook's India iPhone plan gets noticed, Apple and Epic go around again on Fortnite, and Bloomberg portrays Apple's internal AI struggles. clean 5771 The future of CarPlay is here, sort of, as we break down Apple's sales pitch for CarPlay Ultra. Also, Tim Cook's India iPhone plan gets noticed, Apple and Epic go around again on Fortnite, and Bloomberg portrays Apple's internal AI struggles. This episode of Upgrade is sponsored by: Squarespace: Save 10% off your first purchase of a website or domain using code UPGRADE. DeleteMe: Get 20% off your plan when you use this link and code UPGRADE20. Links and Show Notes: Get Upgrade+. More content, no ads. Submit Feedback The Halfliner – Eephus League Baseball scorekeeping - Wikipedia Spoke Pen / Model 2 – Spoke Design Trump Wants Apple to Stop Moving iPhone Production to India - Bloomberg Fortnite isn't available on iOS right now, but why? | The Verge Apple says it won't yet 'take action' on Fortnite return to the App Store - 9to5Mac Epic asks judge to reinstate Fortnite on the App Store - 9to5Mac Daring Fireball: Apple Will Not Reinstate Epic's Fortnite Developer Account, but Epic's Other Developer Accounts Remain Active New Apple CarPlay Ultra: Apple Just Took Over Your Car! - YouTube Apple rolls out rebranded “CarPlay Ultra” three years after its unveiling – Six Colors CarPlay Ultra, the next generation of CarPlay, begins rolling out today - Apple Daring Fireball: Jack Rix at Top Gear Reviews CarPlay Ultra in the Aston Martin DBX Upgrade #418: Cocktail of Headwinds - Relay “Apple is fully capable of resolving this issue without further briefing or a hearing.” | The Verge Apple Plans to Add Eye-Scrolling Feature to Vision Pro Headset - Bloomberg How Apple Intelligence and Siri AI Went So Wrong - Bloomberg Apple is trying to get ‘LLM Siri' back on track | The Verge How will Apple re-think AI features for WWDC 2025? – Six Colors What Siri Isn't: Perplexity's Voice Assistant and the Potential of

On today's episode of Fantasy NBA Today, Rick Kamla, Aaron Bruski & Dr. A jump into Part 1 of the Top 60 Fantasy Players Breakdown (8-cat totals). Did these guys earn their ranks — or did they sneak in on hype, volume, or injury luck? Debating: #49 Amen Thompson #50 Chris Paul #51 Luka Doncic #52 Jalen Brunson #53 De'Aaron Fox #54 Onyeka Okongwu Plus playoff fallout! Download the SportsEthos App on the APP Store and Google Play! FantasyPass now includes DAILY PROJECTIONS—perfect for DFS and head-to-head leagues. Join the Discussion on DISCORD for real-time advice and community support. Subscribe, Rate, and Review on Apple and Spotify for expert updates and tips!

In this episode, Sawyer and Tork are letting it all out, diving into everything from the current state of food and farming in America to the rapidly shifting landscape of technology and business. They dish out their unfiltered takes on AI disrupting search engines, Tesla's wild journey in the headlines, and the potential shakeup of Apple and Meta's tech rivalry. The guys also offer a no-holds-barred look at farm commodity prices, government spending, and the challenges—plus opportunities—for small businesses in today's economy.It's not all business, though—Sawyer and Tork riff on legacy, the importance of people and family, and staying positive in uncertain times. There's even a passionate plug for supporting small farms and tips for making the perfect steak at home. Whether you're interested in the latest market updates, want a real talk on government and politics, or just enjoy the banter about life on the farm, this episode is guaranteed to bring you value, a few laughs, and maybe even some new grilling inspiration. Tune in, get involved, and don't forget to share the show if you get something out of it!Farmer Grade Memorial Day Sale https://farmergrade.com/ Learn More About Our New Project

Dr. Joe Rigney joins Kira to talk about empathy - what is it, why is it so destructive and how have we misunderstood it both in the church and society in general? Rigney discusses his new book, “The Sin of Empathy,” and why we need to “sober-minded” rather than peddlers of pity. “The main virtue that I commend is sober-mindedness. This is, another biblical term. And if you think about what does the word sober-minded mean, well, normally you think of sober in terms of drunkenness and alcohol, right? If you get drunk on alcohol, you're not sober, and so you need to sober up. The basic biblical claim then is you can be drunk on more than just alcohol.”Rigney is Fellow of Theology at New Saint Andrews College. He lives in Moscow, ID with his wife and three sons. Find his book on Amazon or wherever books are sold https://www.amazon.com/Sin-Empathy-Compassion-Its-Counterfeits/dp/B0DV3L5KR3

On episode 409, we are joined by librarian, author, and cultural historian, Gabriel McKee, to discuss his new book about the life of the ever-enigmatic Gray Barker. Barker founded and operated Saucerian Books, an independent publisher of books about flying saucers and other ideas at the fringes of popular discourse. In The Saucerian, Gabriel Mckee tells the fascinating story of Barker's West Virginia–based press, the unique corpus of materials it published, and how office-copying and self-publishing techniques influenced the spread of paranormal beliefs and conspiratorial worldviews over the last century. Following the development of UFO subculture, Mckee explores the life and career of a larger-than-life hoaxer and originator of pseudoscientific ideas.Purchase the book at: https://a.co/d/acfi5b2Please take a moment to rate and review us on Spotify and Apple.Book Ryan on CAMEO at: https://bit.ly/3kwz3DOPatreon: http://www.patreon.com/somewhereskiesByMeACoffee: http://www.buymeacoffee.com/UFxzyzHOaQPayPal: Sprague51@hotmail.comDiscord: https://discord.gg/NTkmuwyB4FBluesky: https://bsky.app/profile/ryansprague.bsky.socialTwitter: https://twitter.com/SomewhereSkiesInstagram: https://www.instagram.com/somewhereskiespod/Tik Tok: https://www.tiktok.com/@ryansprague51Order Ryan's new book: https://a.co/d/4KNQnM4Order Ryan's older book: https://amzn.to/3PmydYCStore: http://tee.pub/lic/ULZAy7IY12URead Ryan's articles at: https://medium.com/@ryan-sprague51Opening Theme Song by SeptembryoCopyright © 2025 Ryan Sprague. All rights reservedSupport this show http://supporter.acast.com/somewhere-in-the-skies. Hosted on Acast. See acast.com/privacy for more information.

You ever feel like you're surrounded by a million "likes" and "followers" but still feel completely... invisible? Like, are we just screaming into the void of the internet, or is somebody actually seeing us? And speaking of being seen, has God really noticed all the hard work you're putting in? It's a lot, I know!  In this episode I aim to convey that: You are SEEN by God, especially when you feel invisible. Don't look to people for validation. Go to El-Roi! Even in the desert moments, God is there. Your cry to be seen? God hears it. The next time you feel unseen, turn to God and say, "El-Roi, you are the God who sees me." You are NOT alone, my friend. If this episode touched your heart like a good mariachi song, share it with your friends and leave a review! And don't forget to tag me @biancajuarezofficial. We need to lift each other up. And remember, God sees you, even when you feel like nobody else does.  Until next time,  B RESOURCES/LINKS Takeaways Feeling alone in a crowd is a common experience. The desire for validation is deeply rooted in human psychology. Leadership can be a challenging journey filled with uncertainty. Hagar's story illustrates the struggle of feeling unseen. Being seen by God can provide profound comfort and validation. The need to be recognized is essential for emotional well-being. Isolation can lead to feelings of anxiety and depression. God's recognition is more important than human validation. The journey of faith often involves waiting and uncertainty. We are all seen by God, even in our darkest moments. ⋇ Convoy of Hope - Empowering Women and Girls Together Donate here https://convoyofhope.org/bianca/  ⋇ Bianca's new book Grit Don't Quit: Developing Resilience And Faith When Giving Up Isn't An Option. https://amzn.to/3MO74OC  ⋇ The Grit Don't Quit Bible Study is now available. https://www.biancaolthoff.com/gdq  ⋇ So grateful to our sponsors! We're Going There is sponsored by HomeChef - For a limited time, HomeChef is offering my listeners 18 Free Meals PLUS Free Dessert for Life and of course, Free Shipping on your first box! Go to HomeChef.com/GOINGTHERE.  Must be an active subscriber to receive free dessert. http://tinyurl.com/WGTHomeChef We're Going There is sponsored by BetterHelp - We're all better with help. Visit BetterHelp.com/GOINGTHERE today to get 10% off your first month. http://tinyurl.com/WGTBetterHelp ⋇ Subscribe to We're Going There on your favorite podcast app so you don't miss out on any of the great topics and conversations. Don't forget to leave a loving review! Apple: https://podcasts.apple.com/us/podcast/were-going-there-with-bianca-juarez-olthoff/id1529509063?uo=4  Spotify: https://open.spotify.com/show/6RpqUTDQWWKDHt1yLQlMKW ⋇ Visit biancaolthoff.com/resources to learn more about books and other resources from Bianca. https://www.biancaolthoff.com/resources  ⋇ Want to stay connected, join the community today. https://www.biancaolthoff.com/  ⋇ WGT email: podcast@inthenameoflove.org ⋇ Music by: Brad Tsushima, Instagram: @bradtsushima, email: bradtsushima94@aol.com, Spotify: “R.A.D.” ⋇Youtube: https://youtu.be/yUkBYSYAu_Q Learn more about your ad choices. Visit megaphone.fm/adchoices

- Report: White House and Congress Worried Over Apple/Alibaba A.I. Deal - As Apple and Epic Battle, Epic Takes Fortnite for iOS Down in EU - Epic Sues to Force Fortnite into Apple's US App Store - Japan Set to Force Open Apple and Google App Stores by Year's End - Tax Changes from Some Developers in App Store in Brazil and Kazakhstan - Apple Updates Developer App Ahead of WWDC - CFPB won't protect US consumers from data brokers, plus a look at the security side of recent OS updates from Apple on Checklist 423 - find it at checklist.libsyn.com - Catch Ken on Mastodon - @macosken@mastodon.social - Send Ken an email: info@macosken.com - Chat with us on Patreon for as little as $1 a month. Support the show at Patreon.com/macosken

The big, long saga of how Apple lost the AI race. Nvidia wants you to bring your own gear. 23andMe's assets are acquired. Why are Apple and Epic still bickering? And why has kidnapping suddenly become a major issue for big crypto players?Sponsors:AGNTCY.orgQualialife.com/ride and code rideLinks:Why Apple Still Hasn't Cracked AI (Bloomberg)Nvidia Opens AI Ecosystem to Rival Chipmakers in Global Push (Bloomberg)Regeneron to Buy 23andMe Out of Bankruptcy for $256 Million (WSJ)Epic Asks Court to Force Apple to Approve Fortnite on US Store (Bloomberg)Epic asks court to compel Apple to reinstate Fortnite on the App Store (9to5Mac)Venture capital's series progression (Axios)Crypto High-Rollers Go Big on Bodyguards to Deter Kidnappers (Bloomberg)See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

These are clips highlighting some of the topics discussed in the full episode! Check it out if you want a bite-sized version of the full episode. Kelsey Jensen @goddessglitterhair delves into the creation of her business and how her unique approach has set her apart in the market. She shares pricing strategies for the service and the techniques involved in applying hair tinsel. Kelsey also reflects on her early mistakes and the lessons learned along the way. This Week's Topics: • Early Experiences in the Hair Industry • Challenges During COVID and Business Growth • The Birth of Goddess Glitter Hair • The Journey of Starting a Business • Pricing Strategies for Hair Services • Techniques and Methods for Application • Balancing Business and Client Work • Learning from Mistakes Find her product here: https://goddessglitterhair.com/ Video versions of our episodes are on our YouTube channel for you to watch! Subscribe to our channel The Hair Game on YouTube and check out ‘The Hair Game Podcast' playlist. Our podcast thrives on the opinions of you, the listener... if you have a moment (and you are an Apple user), please leave us a rating & review on the Apple podcasts app or iTunes! Here's what you do: - Scroll down to 'Ratings & Reviews'  - Click on the empty purple stars (5 is the best)!  - Click on ‘Write a Review' and let us know what you love most! Each rating & review helps us reach more and more of your fellow hair loves, and our goal is to help as many hairdressers as we can find success. Thanks in advance! FOLLOW US http://www.instagram.com/thehairgamepodcast http://www.instagram.com/salonrepublic http://www.instagram.com/loveerictaylor 

Kelsey Jensen @goddessglitterhair delves into the creation of her business and how her unique approach has set her apart in the market. She shares pricing strategies for the service and the techniques involved in applying hair tinsel. Kelsey also reflects on her early mistakes and the lessons learned along the way. This Week's Topics: • Early Experiences in the Hair Industry • Challenges During COVID and Business Growth • The Birth of Goddess Glitter Hair • The Journey of Starting a Business • Pricing Strategies for Hair Services • Techniques and Methods for Application • Balancing Business and Client Work • Learning from Mistakes Find her product here: https://goddessglitterhair.com/ Video versions of our episodes are on our YouTube channel for you to watch! Subscribe to our channel The Hair Game on YouTube and check out ‘The Hair Game Podcast' playlist. Our podcast thrives on the opinions of you, the listener... if you have a moment (and you are an Apple user), please leave us a rating & review on the Apple podcasts app or iTunes! Here's what you do: - Scroll down to 'Ratings & Reviews'  - Click on the empty purple stars (5 is the best)!  - Click on ‘Write a Review' and let us know what you love most! Each rating & review helps us reach more and more of your fellow hair loves, and our goal is to help as many hairdressers as we can find success. Thanks in advance! FOLLOW US http://www.instagram.com/thehairgamepodcast http://www.instagram.com/salonrepublic http://www.instagram.com/loveerictaylor 

Sia Nejad is joined by Matt Snyder, Buckets, and Calvin Wetzel to give out their favorite Monday bets in the WNBA, MLB, and Soccer! (0:00) Intro (5:25) Buckets' Soccer Pick (7:05) Snyper's MLB Picks (10:00) Players with the Yips (12:10) Angel Reese vs. Caitlin Clark Debate (13:26) SportsLine MLB Bet (17:25) WNBA Prop (19:18) Sia's NBA Future (22:40) Chat Questions 1 (24:31) HR Model Plays (26:09) Chat Questions 2 (McDonald's Edition) (27:37) Recap #Gambling #Betting #NBA #Sportsbets #MLBBets #MLBPicks #BaseballBets #WNBAPicks #SoccerBets #SoccerPicks

Sia Nejad, Jason Sobel and Rick Gehman break down Scottie Scheffler's victory at the 2025 PGA Championship. (0:00) Intro (2:00) Big names in Rahm and DeChambeau try to catch Scottie Scheffler (9:45) A big week for the Early Wedge! (16:30) Rick joins the show with a report from Quail Hollow #SportsBetting #Gambling #Betting #EarlyWedge #PGAChampionship #QuailHollow #ScottieScheffler #GolfPicks #golfbetting #brysondechambeau #jonrahm

Keith discusses the mortgage landscape, emphasizing the benefits of cash-out refinances with Ridge Lending Group President, Caeli Ridge. They unpack the Trump administration's plan to privatize Fannie Mae and Freddie Mac, which could impact the mortgage market. Investors are discovering powerful strategies to leverage property equity and optimize their financial portfolios. By understanding innovative borrowing techniques, savvy real estate investors can access tax-efficient capital and create sustainable wealth-building opportunities. Consider working with a lender that specializes in investor-focused loan products and provides comprehensive education on the options available.  Resources: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Show Notes: GetRichEducation.com/554 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  You get paid first: Text FAMILY to 66866 Will you please leave a review for the show? I'd be grateful. Search “how to leave an Apple Podcasts review”  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— text ‘GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Automatically Transcribed With Otter.ai    Keith Weinhold  0:01   Welcome to GRE. I'm your host. Keith Weinhold, we're talking about the mortgage loan landscape in this era. Is title insurance a rip off today? Is it worth it for you to pay discount points at the closing table to get a lower interest rate? Learn about how a cash out refinance. Is your ability to borrow tax free, much like a billionaire does, and what are the dramatic changes that the current administration could take to alter the mortgage environment for years, all today on get rich education.    Speaker 1  0:34   Since 2014 the powerful get rich education podcast has created more passive income for people than nearly any other show in the world. This show teaches you how to earn strong returns from passive real estate investing in the best markets without losing your time being a flipper or landlord. Show Host Keith Weinhold writes for both Forbes and Rich Dad advisors, who delivers a new show every week since 2014 there's been millions of listener downloads of 188 world nations. He has a list show guests include top selling personal finance author Robert Kiyosaki, get rich education can be heard on every podcast platform, plus it has its own dedicated Apple and Android listener phone apps build wealth on the go with the get rich education podcast. Sign up now for the get rich education podcast or visit get rich education.com   Corey Coates  1:20   You're listening to the show that has created more financial freedom than nearly any show in the world. This is get rich education.   Keith Weinhold  1:36   Welcome to GRE from Liverpool, England to Livermore, California and across 188 nations worldwide. I'm Keith Weinhold, and you are listening to get rich education, the voice of real estate. Since 2014 it's been estimated that there are about 800 billionaires in USA, and hey, you might be one of them, but there's a pretty good chance that you aren't well. When it comes to lending and mortgages, you can actually take a page out of a billionaires playbook and do something very much like what they do whenever you perform a cash out refinance if you've got dead equity in a property, and you can borrow against your own home to a greater extent than you can against your rental properties, even either one of those is a tax free event, you've now got tax free cash, and you can use that money on anything from investing it in the stock market To using your proceeds for a down payment on more real estate or buying a boat or going to Disneyland, and you didn't have to relinquish your asset at all. You continue to hold on to the asset. Now, the mechanics are somewhat different, sure, but when you do a cash out refinance like this, it's a bit like billionaires borrowing against their stock. Instead, you're borrowing against the value of your real estate. In fact, listening to this short clip, it's Trevor Noah talking about how billionaires do exactly this, and you'll notice that the crowd laughs because it actually sounds funny that you can really do this,    Speaker 2  3:22   the shares that they hold in a company, because it is an unrealized gain, right? So they go like, yeah, you're worth 300 billion, but we can't tax you on those stocks because you haven't sold the shares, so you don't, like, have the money. And I understand the argument. They go like, No, you don't have it. It's just what it's worth, because it will also crash, and then you have nothing, so we can't tax you on it. Then I'm like, Okay, I understand that. Then Elon Musk offers to buy Twitter, all right? He offers to buy it. And then he says in his offer, he goes, I'm putting up my Tesla stock as collateral. Then I'm like, so you do have it? Then he's like, no, no, no, no, I don't have it. I don't have it. I'm just gonna say so then they accept the offer. He now buys Twitter. Now that they've accepted his offer, he now goes to private equity and banks and like other rich people and whatever. He goes like, can you guys borrow me the money to buy Twitter? And then he's like, I'm I want to buy Twitter because I don't want to sell any of my Tesla shares, so I want to use your money to buy Twitter. And then it's like, but then they're like, What are we loaning it against? And he's like, Well, my Tesla shares. Then I'm going, like, Wait, so, so you, you can, you can buy a thing based on what you have, yes, but when we want to tax you, you can say, I don't have it. Do you hear what I'm saying here?   Keith Weinhold  4:46   Yeah, you can borrow against your real estate if you have substantial equity in it. We'll talk about just how much now billionaires borrow against their stock holdings using financial products like portfolio lines of credit or. For securities based loans. These are the names for how they do it, essentially taking out loans and using their stock as collateral. And this allows them to access cash without selling their assets and without incurring capital gains taxes, much like you can so you can say that you don't want to sell your property in you don't have to go through some capital raising round either, like a billionaire might have to when they're borrowing against their stock. You can just have a more standard mortgage application for your cash out refinance, and you don't even have to have a huge portfolio. I mean, even if you just own one 500k property with 50% equity in it, you can do this so it's available to most any credit worthy person, again, tax free. But of course, this doesn't mean that you always should take this windfall, because it often creates a higher monthly payment. You've got to be the one that makes that decision in controlling your cash flows, that is key. I'll talk about that some more with today's terrific guests. Also the Trump administration's desire to privatize Fannie Mae and Freddie Mac we're going to talk about that and what that would do to the mortgage landscape. I am in the USA today, next week, I'll be bringing you the show from London, England for the first time, the following week, from Edinburgh, Scotland. Yes, the mobile GRE Studio will be in effect. I typically set it up myself, and I usually don't need the help of the hotel staff for an appropriate Sound Studio either. And then shortly after that, I will be in Anchorage, Alaska, where I'm competing in these fantastic mountain running races. And then by next month, that's where I hope to meet up with you in person for nine days of learning and fun, as I'll be in Miami as part of the faculty for the terrific real estate guys invest or summon at sea, where we're all going to disembark from Miami and go to St Thomas, St Martin and the Bahamas, and then after that great event, it is a long flight from Miami back to Anchorage again. And that's got to be one of the longer domestic flights, not just in the nation, but in the world, Miami to Anchorage, and then shortly after that, I will be in the Great Northeast early this summer, New York and Pennsylvania, including for my high school reunion. So I'll really be putting the miles on these next couple months. One interesting thing that I've noticed for next week's show, where I'll be joining you from London, is how much I'm paying per night at both my hotel in England and then later my hotel in Scotland. That's obviously a short term real estate transaction. These are some of the more expensive places in the world, really. So next week and then the week after, I just think you'll find it interesting. I'll tell you how much I'm spending per night in both London and then Edinburgh. And they're both prime locations, where the hotels are the center of London and then right on Edinburgh's Royal Mile. That is in future weeks as for today, let's talk about the mortgage landscape with this week's familiar and terrific guest.   I'd like to welcome in one of the more recurrent guests in our history, so she needs little introduction. She's the longtime president of the mortgage company that's created more financial freedom for real estate investors than any lender in the nation because they specialize in income property loans. It's where I get my own loans for my own rental properties. Ridge lending group. Hey, welcome back to GRE Caeli ridge.    Caeli Ridge  8:57   Thank you, Keith. You know I love being here with you and your listeners. I appreciate you having me.   Keith Weinhold  9:01   You've helped us for so long. For example, who can forget way back in episode 56 Yeah, that's a deep scroll back when Chaley broke down each line of a good faith estimate for us, that's basically a closing statement sheet. She told us exactly what we pay for at the closing table, line by line like origination fee, recording costs and title insurance so helpful. It's just the sort of transparency that you get over there. Buyers pay for title insurance at the closing table. It is title insurance a rip off. A few years ago, a lot of people speculated that title insurance would fade away because the property's ownership could be transparent and accessible to everybody on the blockchain, but we don't really see that happening. So tell us about title insurance, and really, are we getting value in what we pay for there at the closing table?   Caeli Ridge  9:54   Well, I think the first thing I would say is that it really isn't going to be an option as far as I. Know, as long as the individual is going to source institutional funding leverage use of other people's money, they're going to require the lender, aka Ridge lending, or whoever you're working with, they're going to require that title insurance that ensures their first lien position. Doing that title search, first and foremost, is going to make it clear that there isn't some cloud on title, that there isn't some mechanic lien that had been sitting out there for however many years it may have just been around. And those types of things never go away. So for a lending perspective, it's going to be real important that that title insurance is paid for and in place to protect their interests, things like judgments, tax liens, like I said, a mechanic's lien, those will automatically take a first lien position in front of a mortgage. So obviously we're not going to risk that and find ourselves in second lien position in the event of default and somebody else is getting paid before we are. So not really an option. Is it a rip off? I don't know enough about how often it's paid out, and not to speak to that, but I will tell you that it isn't a choice.   Keith Weinhold  11:07   Title Insurance, like Shaylee was talking about. It protects against fraud related to the property's ownership, someone else claiming rights to the property, and this title search that an insurer does it also, yeah, it looks for those liens and encumbrances, including unpaid taxes, maybe unpaid HOA dues, but yeah, mortgage lenders typically require title insurance, and if you the borrower, you might think that's annoying. Well, it does make sense, because the bank needs to protect their collateral. If a bank ever has to foreclose, they need to have access to you, the borrower, to be able to do that without any liens or ownership claims from somebody else. Caeli, how often do title insurance companies mess up or have to pay out a claim? Does that ever happen?   Caeli Ridge  11:50   I mean, if I have been involved in a circumstances where that was the case, it's been so many years ago, they're pretty fastidious. I don't know that I could recall a circumstance where something had happened and the title insurance was liable. They go through the paces, man, they've got to make sure that, and they're doing deep dives and searches across nationwide to make sure that there isn't any unnecessary issue that's been placed on title Not that I'm aware of. No.    Keith Weinhold  11:50   Are there any of those other items that we tend to see on a good faith estimate that have had any interesting trends or changes to them in the past few years?    Caeli Ridge  12:27   Yeah, I've got a good one, and this is actually timely credit reports. So over the last couple of years, something has been happening with credit reports where, you know, maybe three, four years ago, a credit report, let's say a joint credit report, a husband and wife went and applied that credit report might cost 25 bucks. Well, now it's in excess of 100 plus. Some of what we're going to be talking about today, it kind of gets into the wish list of Jim neighbors, who is the president of the mortgage brokers Association. He's been talking to the administration about some of his wishes, and credit report fees is actually one of the things that they're wanting to attack and bringing those costs down for the consumer. So when we look at a standard Closing Disclosure today, credit report costs have increased significantly. I don't have the percentages, but by a large margin over the last couple of years,    Keith Weinhold  13:21   typically not one of your bigger costs, but a little noteworthy. There one thing that people might opt and choose to have on their good faith estimates, so that borrower therefore would actually pay more out of pocket with today's higher mortgage rates. And I'm sure not to say high, because historically, they are not high. Do we see more people opting to pay discount points at the closing table to get a lower rate and talk to us about the trade offs there   Caeli Ridge  13:46   right now, first and foremost, that there isn't a lot of option for investment property transactions, whether it be a purchase or refinance. There's not going to be that option where the consumer gets to choose to say, Okay, I want to pay points for a lower rate or not pay points for a higher rate the not paying points is the key here. There isn't going to be a zero point option for investment property transactions. And this gets a little bit convoluted, and then I'll circle back and answer the question of, when does it make sense to pay the points, more points versus less points? We have been in a higher rate environment that I think a lot of people have become accustomed to as a result secondary markets, where mortgage backed securities are bought and sold, they keep very close tabs on the trends and where they think things are headed. Well, something called YSP, that stands for yield, spread, premium, under normal market circumstances, a consumer can say, okay, Caeli, I don't want to pay any points. Okay, I'll take this higher interest rate, and I don't want to pay any points, because that higher interest rate is going to have YSP, yield, spread, premium to pay compensation to a lender, and you know, the other third parties that may be involved in that mortgage backed security. But. Sold and traded, etc, okay? They have that choice under normal market circumstances. Not the case right now, because when this loan sells the servicing rights, whoever is going to pick up the servicing rights, so when Mr. Jones goes to make his mortgage payment, he's going to cut a check to Mr. Cooper. That's a big one, right? Or Rocket Mortgage, or Wells Fargo, whoever the servicer is, the servicing rights are purchased at a cost. They have to pay for the servicing rights, and let's say that's 1% of this bundle of mortgage backed securities that they're purchasing. Well, they know the math is, is that that servicer is going to take about 36 months before that upfront cost is now in the black or profitable. This all will land together. Everybody, I promise you stick with me, so knowing that we've got about a 36 month window before a servicer that picked up the rights to service this mortgage is going to be profitable in a higher rate environment, as interest rates start coming down, what happens to the mortgage that they paid for the rights to service 12 months ago, 18 months ago, that thing is probably going to refinance right prior to the 36 month anniversary of profitability. So that YSP seesaw there is not going to be available for especially a non owner occupied transaction. So said another way, zero point rates are not going to be valid on a non owner occupied transaction in a higher rate environment when secondary markets understand that the loans that are secured today will very likely be refinanced prior to profitability on the servicing side of that mortgage backed security that is a risk to the lender, yes. So we know that right now you're not going to find a zero point option. Now that may be kind of a blanket statement. If you were getting a 30% loan to value owner occupied mortgage with 800 credit scores, you know that's going to be a different animal. And of course, you're going to have the option to not pay points. The risk for that is nothing. Okay, y SP is going to be available for you, the consumer, to be able to choose points at a lower rate, no points higher rate. When does it make sense to pay additional points? Let's say to reduce an interest rate, the break even math. And you know, I'm always talking about the math, the break even math is actually the formula is very simple. All you need to do is figure out the cost of the points. Dollar amount of the points, let's say it's $1,000 and that's what it's going to cost you to, say, get an eighth or a quarter or whatever the denomination is, in the interest rate reduction. But you aren't worried about the interest rate necessarily. You're looking at the monthly payment difference. So it's going to cost you $1,000 in extra points, but it's only going to save you $30 a month in payment when you divide those two numbers, what's that going to take you 33 months? 30 well, okay, and does that make sense? Am I going to refinance in 33 months? If the answer is no, then sure pay the extra 1000 bucks. But that's the math, the cost versus the monthly payment difference divide that that gives you the number of months it takes to recapture cost versus cash flow or savings, and then you be the determining factor on when that makes sense.    Keith Weinhold  18:10   It's pretty simple math. Of course, you can also factor in some inflation over time, and if you would invest that $1,000 in a different vehicle, what pace would that grow at as well? So we've been talking about the pros and cons of buying down your mortgage rate with discount points before we get into the administration changes. Cheley talk about that math in is it worth it to refinance or not? It's a difficult decision for some people to refinance today with higher mortgage rates than we had just a few years ago, and at the same time, we've got a lot of dead equity that's locked up.   Caeli Ridge  18:40   I would start first by saying, Are we looking to harvest equity? Are we pulling cash out, or are we simply doing a rate and term refinance where we're replacing one loan with another loan, if it's for rate and term, if we're simply replacing the loan that we have today with a new loan, that math is going to be pretty simple. Why would you replace 6% interest rate with a 7% interest rate? If all other things were equal, you wouldn't unless there was a balloon feature, or maybe an adjustable rate mortgage or something of that nature involved there that you have to make the refinance. So taking that aside, focusing on a cash out refinance, and when does it make sense? So there's a little extra layered math here. The cash that you're harvesting, the equity that you're harvesting, first of all, borrowed funds are non taxable. What are we going to do with that pile of cash? Are we going to redeploy it for investing more often than not talking to investors? The answer is yes. What is that return going to look like? So you've got to factor that in as well, and then we'll get to the tax benefit in a moment. But generally speaking, I like to as long as the cash flow is still there, okay, you've got to have someone else covering that payment. Normally, there's exceptions to every rule. I don't normally advise going negative on a cash out refi. There are exceptions. Okay, please hear me. But otherwise, as long as the existing rents are covering and that thing is still being paid for by somebody else, then what you want to do is look at that monthly payment. Difference again, versus what you're getting out of it. And then you divide those two numbers pretty simply, and it'll take you how long. And then you've got a layer in the cash flow that you're going to get from the new acquisitions, and whether that be real estate or some other type of investment, whatever the return is, you're going to be using that to offset. And then finally, I would say, make sure that you're doing adding in the tax benefit. These are rental properties guys, right? So closing costs can be deducted now that may end up hurting debt to income ratio down the road. So don't forget, Ridge lending is going to be looking at your draft tax returns. Very, very important to ensure that we're setting you up for success and optimizing things like debt to income ratio on an annual basis.   Keith Weinhold  20:40   Now, some investors, or even primary residence owners might look at their first and only mortgage on a property, see that it's 4% and really not want to touch that. What is the environment and the appetite like today for having a refinance in the form of a second mortgage? That way you can keep your first mortgage in place and, say, 4% get a second mortgage at 7% or more. How does that look for both owner occupied and non owner occupied properties today?   Caeli Ridge  21:07   you're going to be looking at prime, plus, in many cases, if you don't want to mess with a first lien, a second lien mortgage is typically going to be tied to an index called prime. Those of you that are familiar with this have probably heard of that. Indicee. There's lots of them. The fed fund rate, by the way, is an index. There's lots of them. The Treasury is also another index. Prime is sitting, I think, at seven and a half percent. So you're probably going to be looking at rate wise, depending on occupancy and credit score and all of those llpas that we always talk about, loan level, price adjustment. You know, it could be prime plus zero, it could be prime plus four. So interest rates could range between, say, seven and a half, on average, up to 11 even 12% depending on those other variables. More often than not, those are going to be interest only. So make sure that you're doing that simple math there. And I would prefer if I'm giving advice the second liens, the he loan, which is closed ended, very much like your first mortgage, it's just in second lien position. It's amortized over a certain period of time, closed ended. Not as big a fan of that. If you can find the second liens, especially for non owner occupied, I would encourage it to be that open ended HELOC type.    Keith Weinhold  22:15   What are we looking at for combined loan to value ratios with second mortgages    Caeli Ridge  22:19   on an owner occupied I think you'd be happy to get 90. I think I've heard that in some cases, they can go up to 95% in my opinion, that would go as high as they'll let you go right on a non owner occupied, I think you'd be real lucky to find 80, and probably closer to 70.    Keith Weinhold  22:34   That really helps a lot with our planning. Well, the administration that came in this year has made some changes that can create some upheaval, some things to pay attention to in the mortgage market. We're going to talk about that when we come back. You're listening to get rich education. Our guest is Ridge lending Group President, Caeli Ridge I'm your host, Keith Weinhold.    The same place where I get my own mortgage loans is where you can get yours. Ridge lending group  NMLS, 42056, they provided our listeners with more loans than anyone because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage. Start your prequel and even chat with President Chaeli Ridge personally while it's on your mind, start at Ridge lendinggroup.com. That's Ridge lendinggroup.com.    You know what's crazy? Your bank is getting rich off of you. The average savings account pays less than 1% it's like laughable. Meanwhile, if your money isn't making at least 4% you're losing to inflation. That's why I started putting my own money into the FFI liquidity fund. It's super simple. Your cash can pull in up to 8% returns, and it compounds. It's not some high risk gamble like digital or AI stock trading. It's pretty low risk because they've got a 10 plus year track record of paying investors on time in full every time. I mean, I wouldn't be talking about it if I wasn't invested myself. You can invest as little as 25k and you keep earning until you decide you want your money back. No weird lockups or anything like that. So if you're like me and tired of your liquid funds just sitting there doing nothing. Check it out. Text family to 66866, to learn about freedom. Family investments, liquidity fund again. Text family to 66866   Hal Elrod  24:38   this is Hal Elrod, author of The Miracle Morning and listen to get rich education with Keith Weinhold, and don't put your Daydream.   Keith Weinhold  24:55   Welcome back to get rich education. We're talking about mortgages again, because this is one. Where leverage comes from. I'm your host. Keith Weinhold, we're sitting down with the president of ridge lending group, Caeli Ridge, and I know that she has some knowledge and some updates on new administration leadership and some potential changes for the market there. What can you tell us? Caeli   Caeli Ridge  25:16   I'm pretty excited about this one, and I'm watching very diligently to see how it unfolds. So the new director of the FHFA Federal Housing Finance Agency, all is Bill Pulte. This is the grandson of Pulte Homes. Okay, smart guy. I'm excited to see what he's going to come in and do. Well. He had recently, I think in the last couple of weeks, he put out in the news wires asking for feedback from the powers that be, related to Fannie and Freddie, what improvements they would like to see. So first up was Jim neighbors. He is the president of the mortgage brokers Association. He had a few very specific wish list items, if you will. And the first one on his list was the elimination of LLP, as for non owner occupied and second home. So let me just kind of paint a picture here, because there's some backstory I think is important. So an LLPA, for those of you that have never heard that term before, stands for a loan level price adjustment. And a loan level price adjustment is a positive number or a negative number that associates with the individual loan characteristics. So things like loan to value or loan size, occupancy is a big ll PA, the difference between an owner occupied where you live and one that you're going to use as a rental property, that's a big one. Credit score, property type, is it a single family? Is it a two to four? Is this a purchase? Is it a refi? Anyway, all of those different characteristics are ll pas. Well, if we take a step back in time, gosh, about three years ago now, Mark Calabria, at the time, was the director of the FHFA, and he had imposed increases, specific increases. This was middle of 22 I want to say specific increases to the LL pas for non owner occupied property. So if anybody kind of remembers that time, we started to really see points and interest rates take that jump sometime in 2022 more than just the traditional interest rate market and the fluctuations. This was very material to investment property and second home, but we'll focus on the investment property. So Mr. Jim neighbors came in and said, first and foremost, I'd like to see those removed, and I want to read something to the listeners here, because I thought it was very interesting. This is something I've been kind of preaching from the the rooftops, if you will, for many, many years. Yeah, we've got neighbors sticking up for investors here. He really is. And I Yeah, well, yes, he is. And more often than not, they're focused on the owner occupied so I'm just going to kind of read. I've got my cheat sheet here. I want to make sure I get it all right for everybody. So removal of the loan level price adjustments on investment properties and second homes, he noted that these risk based fees charged by Fannie and Freddie discourage responsible buyers from purchasing second homes and investment properties, with that insignificant increase to cost. And here's the important part, originally introduced to account for additional credit risk, many of the pandemic era llpa increases were not based on updated risk metric. In fact, data has shown that loans secured by investment properties often have strong credit profiles and lower than expected default rates. I mean, anybody that has been around long enough to see what we've come from, like, 08,09, and when we had the calamity of right, the barrier for entry for us to get any conventional financing as investors has been harsh. I mean, I make that stupid joke of vials of blend DNA samples. But aside from it being an icebreaker, it kind of feels true. We really get the short end of the stick. And I feel like as investors especially, post 08,09, our credit profiles, our qualifications, the bar is so high for us, the default risk there has largely been removed. We've got so much skin in the game. With 20 25% down, credit score is much higher, debt to income ratios more scrutinized, etc, etc. So I think that this is, if it passes muster. I think this is going to be a real big win for the non owner occupied side of agency, Fannie, Mae, Freddie, Mac lending.   Keith Weinhold  29:13    The conventional wisdom is, is that if you the borrower, get into financial trouble, you're more likely to walk away from your rental properties than you are your own home and neighbors, sort of like a good neighbor here sticking up for us and stating that, hey, us, the investors, we're actually highly credit worthy people.   Caeli Ridge  29:29   Yeah, absolutely. So fingers crossed. Everybody say your prayers to the llpa and mortgage investor rates gods.   Keith Weinhold  29:37   we'll be attentive to that. What other sorts of changes do we have with the administration? For example, I know that Trump and some others in the administration have talked about privatizing the GSEs, those government sponsored enterprises, Fannie, Mae, Freddie Mac and what kind of disruption that would create for the industry. Is it really any credence to that?   Caeli Ridge  29:58   They've been talking about it for. For quite a while. I mean, as long as Trump has been kind of on the scene, that's been maybe a wish list for him. I don't see that happening over the next years. That is an absolute behemoth to unpack and make a reality. Speaking of Mark Calabria, he was really hot and heavy on the trails of doing that. So what this is, you guys so fatty Freddy, are in conservatorship that happened back post 08,09, and privatizing them and making them where it is not funded, or conservatorship within the United States government. Now it still has those guarantees against default. It's a very complicated, complex, nuanced dynamic of mortgage backed securities, but if we were to privatize them at some point now, am I saying that that's a bad thing? No, not necessarily, but I think it has to be very carefully executed, and because there are so many moving parts, I do not think that just one term of presidency is going to make that happen. If we do it, it's going to be years down the road from now. Is my crystal ball. I don't think we're going to see that anytime soon.    Keith Weinhold  30:58   That's interesting to know. Are there any other industry changes that are important, especially for investors, whether that has to do with the change in administration or anything else?   Caeli Ridge  31:08    Well, specific to that wish list from Mr. Neighbors, one of the other things that he had asked, and there were quite a few, for owner occupied changes as well, he wants to reduce the seasoning for cash out refinances of investment properties, which would be huge good. Yeah, right now it's 12 months on a cash out refinance given very specific acquisition details. Okay, I won't go down that rabbit hole, but currently, if you haven't met exactly these certain benchmarks, you may have to wait 12 months to pull cash out of a property from the day that you acquire it, he's asking that that be pulled back to about six months, which would be nice   Keith Weinhold  31:46   reducing the seasoning period from 12 months to six months, meaning that an investor a borrower, would only need to own that property for that shorter duration of time prior to performing a refinance.   Caeli Ridge  31:58    Cash out refinance, no seasoning required on a rate and term. This is specific for cash out. But again, for cash out, but exactly right   Keith Weinhold  32:04   now, one trend that I think about sometimes, especially when I think back to 2008 2009 days since I was an investor through that time, is, are there any signs in the reduction of the appetite or the propensity to lend, to make loans. So how freely is credit flowing?    Caeli Ridge  32:25   I think pretty freely. I'm not seeing that they're tightening the purse strings. That's not the lens that I'm looking at it from, and I try to keep that brush stroke broad. There have been, I think that on the post, close side, there's been a little extra from Fannie Freddie, and I think that has to do with profitability markers. But overall, I'm not seeing that products are disappearing necessarily, or that guidelines are really becoming even more cumbersome. If anything, I would say it's maybe the reverse of that, and I do believe that probably is part and parcel to this administration and the real estate background that comes with it.   Keith Weinhold  32:59   One other thing I pay attention to, but it just really hasn't been much of a story lately. Are delinquencies in foreclosures. It seems like they've ticked up a little bit, but they're still both really historically low and basically a delinquency being defined as when a borrower makes one late payment, and foreclosures being the more severe thing, typically a 120 days late or more. Any trends there? I'm not   Caeli Ridge  33:24   seeing any now. And in fact, I would tell you that, because we focus so much on investor needs, first payment default is I can count on less than one hand, if I had to, how many times I've seen that happen with our clients over 25 years. So nothing noteworthy there for me.    Keith Weinhold  33:40   Yes. I mean, today's borrowers are just flush with equity. Nationally, there's a loan to value ratio of 47% which is healthy, in a sense. On average, borrowers have a 53% equity position. Of course, the next thing, I think, is like, I don't really know if that's a smart strategy. They're not really getting that much leverage out there. But I think a lot of people just have the old mentality of get it paid off.    Caeli Ridge  34:06   And I think that depending on where you are in your journey, I mean, if you're in phase three, right, where you're just really looking at these investments, these nest eggs to carry you into your retirement and or for legacy reasons, fine, but otherwise, I may argue the point in that I don't care that you have a 3% interest rate on an investment property, or whatever it may be, if it's sitting there idle and as long as it can cash flow, the true chances of those individuals of keeping that mortgage that they got in 2020, 2021, etc, at those ridiculously low interest rates and stroking 360 payments later to pay it to zero is a fraction of a percent right now, whether they're on the sidelines for something else, I don't know, but that debt, equity, I think, is hurting them more than a 3% interest rate is helping them.   Keith Weinhold  34:52    And a lot of times, the mindset of someone is, if they don't need to build wealth anymore, and they're older and they already built wealth, they don't care if they're loaned to value. Was down to zero, and they have it paid off, whereas someone that's in the wealth building phase probably wants to get more leverage. Yeah, Chaley at risk lending group, there you see so many applications come in, and especially since you're an investor centric lender, I like to ask you what trends you're seeing. What are people buying? What are people doing? Are they refinancing? Are they paying loans off? Are they trying to take out more credit? Are there any overall trends with investors that you see in there    Caeli Ridge  35:29   right now? I think the all in one is a clear winner there. The all in one, that first lien, HELOC, that you and I talked about, we broke my little corner of the internet with that one, that one is a front runner for sure, on the refinance side, specifically, we are seeing quite a bit more on the refi side of things, that equity is kind of just sitting there. So even though, if the on one isn't a good fit for them, I'm seeing investors that are willing to tap into that equity instead of just sitting around and waiting for them to potentially lose some equity if the housing market does start to take some decline. And then I would say, on the purchase transaction side, something that's kind of piqued my interest is the pad split. I'm looking at that more often where, for those that are not familiar, you can probably speak more to this, Keith, they're buying single family resident properties, even two to four unit properties, and a per bedroom basis, turning those into rental properties. And they're looking to be quite profitable. So I've got my eyes on that too.   Keith Weinhold  36:23   before we ask how we can learn more about you and what you do in there at Ridge Kayle. Is there any last thing that you'd like to share? Maybe a question I did not think about asking you, but should have.    Caeli Ridge  36:35   I would like to share with your listeners that if they are not working with a lender that focuses on their education and has that diversity of loan product that we have, that they're probably in the wrong support group. You need to be working with a lender that has a nationwide footprint and that has diversity of loan product to cover whatever methodology of real estate investing that you're looking for, and really puts a fine touch on the education of your qualifications and your goals as they relate to underwriters guidelines   Keith Weinhold  37:10   what we're talking about, and I know this through my own experience in dealing with Ridge, since I use them for my own loans myself, is sometimes Ridge might inform You that, hey, you can go and do this and make this deal now, but that's going to mess up this bigger thing 12 months down the road, whereas if you talk with an everyday sort of owner occupant mortgage company, oh, they're just not going to talk like that, because owner occupants, they might only buy every seven years, or something like that. And investors are different, and you need to have that foresight and look ahead. Caeli, this has been great, a really informative conversation about the pulse of the market. Tell us what products that you offer in there.   Caeli Ridge  37:50   Our menu is very, very diverse. I would say what. It's probably easier to describe what we don't offer. We do not have bear lot loans or land loans. We're not offering those right now. We do not have second lien HELOCs currently. We suspended that two years ago. But otherwise, guys, we're going to have everything that you're going to need. So just very quickly, I'll rattle off Fannie Freddie, okay, those golden tickets that we talk about, we've got DSCR loans, bank statement loans, asset depletion loans, ground up construction, short term bridge loans for fix and flip or fix and hold. We have our All In One that's my favorite first lien. HELOC, we have commercial loan products for commercial property and residential on a cross collateralization basis. So very, very robust in the loan product space.   Keith Weinhold  38:33   Caeli Ridge, it's been valuable as always. And then Ridge lending group.com, or your phone number   Caeli Ridge  38:39   855-747-4343, 855-74-RIDGE, , and then to reach us an email, if that's your better mechanism to contact us info@ridgelendinggroup.com   Keith Weinhold  38:50   that's been valuable as always. Thanks so much for coming back onto the show.    Caeli Ridge  38:53   Appreciate it. Keith,   Keith Weinhold  39:00   Yeah, terrific information from Chaley. As always, if you're enamored of borrowing tax free, like a billionaire, against your real estate, they sure can help you out with that and determine whether that's right. It doesn't mean that you always should, but if you have investment ideas for debt equity, and you're attentive to cash flows, run the numbers with them and see if it's worthwhile. As far as new purchases, we all know that soured affordability has made it especially tough for first time homebuyers, and there's more data out there that shows that tenant durations are historically long, longer than they usually are. Tenants are staying in places longer because they have to. Investor purchases have stayed strong, though investors have been buying about the same proportion of single family homes and making them rentals that they have historically and Redfin tells us that. The value of properties that investors have purchased is up more than 6% year over year, so investors are still buying and that makes sense. We're in this era where there's more uncertainty than usual, there's higher stock volatility than usual, and more people are sort of asking themselves, where would I get a better return than on income property, and where would my return be more stable today than in income property as well? If you work with Ridge lending group for a time, you're probably going to understand why I personally use them for my own loans. You'll notice that they really understand what investors need. Thanks to Caeli Ridge today and thank you for being here too. But as always, you weren't here for me. You were here for you until next week. I'm your host. Keith Weinhold, don't quit your Daydream.   Speaker 3  40:56   Nothing on this show should be considered specific personal or professional advice. Please consult an appropriate tax, legal, real estate, financial or business professional for individualized advice. Opinions of guests are their own. Information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of get rich Education LLC, exclusively.   Keith Weinhold  41:20   You know, whenever you want the best written real estate and finance info, oh, geez, today's experience limits your free articles access, and it's got paywalls and pop ups and push notifications and cookies disclaimers. It's not so great. So then it's vital to place nice, clean, free content into your hands that adds no hype value to your life. That's why this is the golden age of quality newsletters. And I write every word of ours myself. It's got a dash of humor, and it's to the point because even the word abbreviation is too long, my letter usually takes less than three minutes to read, and when you start the letter, you also get my one hour fast real estate video. Course, it's all completely free. It's called the Don't quit your Daydream letter. It wires your mind for wealth, and it couldn't be easier for you to get it right now. Just text. 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