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Keith is joined by housing market intelligence authority Rick Sharga—a frequent guest on outlets like CNBC and Bloomberg who "quietly gets it right" rather than chasing clickbait crashes. Together, they dig into whether America really has a housing shortage and how that lines up with what you're seeing in prices and inventory.  They explore why entry-level homes are so constrained and what that means for both investors and homebuyers.  They also examine how mortgage rates, builder behavior, and demographic shifts could shape housing demand and investment opportunities over the next several years. Episode Page: GetRichEducation.com/596 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  For predictable 10-12% quarterly returns, visit FreedomFamilyInvestments.com/GRE or text  1-937-795-8989 to speak with a freedom coach Will you please leave a review for the show? I'd be grateful. Search "how to leave an Apple Podcasts review"  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— GREletter.com  Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Keith Weinhold  0:01   Keith, welcome to GRE I'm your host. Keith Weinhold, does America really have a housing shortage? And if so, how long will it last? Those answers and more, with an expert guest and I today on get rich education.   Speaker 1  0:19   Since 2014 the powerful get rich education podcast has created more passive income for people than nearly any other show in the world. This show teaches you how to earn strong returns from passive real estate investing in the best markets without losing your time being a flipper or landlord. Show Host Keith Weinhold writes for both Forbes and Rich Dad advisors and delivers a new show every week since 2014 there's been millions of listener downloads of 188 world nations. He has a list show guests include top selling personal finance author Robert Kiyosaki. Get rich education can be heard on every podcast platform, plus it has its own dedicated Apple and Android listener phone apps build wealth on the go with the get rich education podcast. Sign up now for the get rich education podcast, or visit get rich education.com   Keith Weinhold  1:03   the same place where I get my own mortgage loans is where you can get yours. Ridge lending group and MLS, 42056, they provided our listeners with more loans than anyone because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage. Start your prequel and even chat with President chailey Ridge personally while it's on your mind, start at Ridge lending group.com that's Ridge lending group.com   Speaker 2  1:36   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  1:46   Welcome to GRE from Nantucket, Massachusetts to Pawtucket, Rhode Island and across 188 nations worldwide. America's favorite shaved mammal on a microphone has got his slack jawed act back on track for another wealth building week with you. I'm Keith Weinhold. This is get rich education. I'm still not wearing a pair of knockers, and I've returned here to bring you more value than your HOA dues. It's kind of crazy that America First put a man on the moon, and we're the first nation to put a man on the moon in 1969 and yet today, we have trouble housing our own people here on Earth. Shortly, we're going deep on does America really have a housing shortage first? Sometimes real estate investors can learn lessons from the stock market about the future direction of housing prices and demand and just simply what assets people have demand for, how AI is disrupting some stock sectors. Has been rather germane lately. One CEO made this perfect example. It's about how two different stocks travel search engine Expedia and Delta Airlines, those two stocks were once closely tied together. Their share prices used to be correlated, but they've gone in separate directions. See, Expedia offers you a service that can be replicated by bots, but delta has actual planes that take you somewhere, and it's hard for AI to replace that. This is why there's been a recent push toward more tangible stocks and tangible assets, a divergence, an attraction to assets that give you a share of either a tangible good, or, in the case of something like an airline, a service that's directly tied to something tangible. And similarly, commodities like gold, silver and copper cannot be replaced by AI. Neither can real estate. There is a growing sense to own things that can't be disrupted, dematerialized and demonetized by AI, like so much software can. In fact, as overall stock market valuations are lofty. You know, some people have become rather wary of an AI speculative bubble that perceptive to this demand. Just a few weeks ago, Goldman Sachs introduced an everything but AI index, yeah, where you can invest in a basket of companies that are sheltered from Ai disruption, this everything but AI index that's attracting investors. In fact, there's another trend that interfaces with real estate that just launched recently too today, you can wager on future homes. Prices through the platform, poly market, yes, place bets for profit or loss on the future direction of the median home price. In fact, one recent college graduate joked, I was born too late to afford a house, and born just in time to gamble on people who can buy a house? Yeah, you're probably familiar with poly market by now. It's the prediction market that lets you speculate on things like elections and Fed rate decisions and various geopolitical events and other real world outcomes. Well, they have launched a set of real estate markets that allow users to bet on future home values. The way it works is that you can wager on future home values in New York, Los Angeles, Miami, San Francisco and Austin, Texas, as well as US national home values. So that's six different markets. Now I haven't gambled on Poly market, I had checked it at times to get an idea of where people really think markets are headed or what's going to happen next. Because, rather than major media, where sometimes as a hype machine, they create headlines that scare you in order to try to get clicks, well, instead of all that, regular people are placing their money on polymarket, and you can look at what that action is like, because that can be a more reliable harbinger of future price direction at last check with a national median home price of about 420k with the numbers, poly market is using one month from now, 66% of people think that home prices will rise. And it's more nuanced than that. You can bet on just what price range you believe home prices will fall into one month from now. And this is nothing that I recommend wagering on, but besides an interesting trend, yeah, you can get that idea of where real people actually believe markets are headed. As we're about to talk to national housing expert Rick sharga on whether or not we really have a housing shortage, we've got new data about the level of housing permits. Of course, housing permits are a gage of the level of future housing inventory, because after a permit is issued, it's typically six to 12 months until a single family home is built. But I'll share that with you near the end of the show, because it makes sense to cover this with you in chronological order. We'll discuss housing supply first, and then I'll tell you about the future supply direction based on housing permits. Now, you know from the inception of this show in 2014 I talked about the why of real estate investing before the how with anything in life, it's only when you truly know why you're doing something that you'll profoundly care about the how and you'll want to do it well. In fact, when I do an in person real estate presentation, one of the modules that I teach most often is simply called Why real estate. The biggest Why is not altruistic, although that matters, and that's part of it. But instead it's that real estate pays five ways. That's the biggest why any GRE devotee knows that the five ways are simultaneously paid, are appreciation, cash flow, ROA tax benefits, and not inflation hedging. But specifically inflation profiting. Yet I have found multi decade real estate investors that don't understand this, the most valuable hour that you can spend is knowing all the ways that you're paid and seeing and believing how your total rate of return of 20% 30% or even 40% is not far fetched or risky, but it's actually common and even estimated conservatively. If you're initiated on this, you already know, but if you aren't, it can sound a little hard to believe what I just said right there, I recently reshot the entire real estate pays five ways video course, and it's the most valuable hour of investing video content that you're likely ever to see. It's premium, masterclass level content. I'm just giving it away for free because people need to know this. And actually, on the newest shoot, I've condensed it down into just 40 minutes of content across the five videos, one instructional video for each of the five ways you're paid. The videos average eight minutes. So that's about 40 minutes total, and they build on. Each other. So at the end of each one, you get to see your cumulative rate of return. It just keeps adding up, and you know exactly where all of the numbers come from. That's why it's more conducive to video form than audio form. I know that many of you have seen it, but if not, it is foundational, and I cannot recommend it enough. It's free and available to you now. At get richeducation.com/course, get that now, while it's on your mind. At get rich education.com/course, more next, I'm Keith Weinhold, this is get rich education.   Keith Weinhold  10:39   Flock homes helps you retire from real estate and landlording, whether it's one problem property or your whole portfolio, through a 721 exchange, deferring your capital gains tax and depreciation recapture, it's a strategy long used by the ultra wealthy now Mom and Pop landlords can 721, the residential real estate request your initial valuation, see if your properties qualify@flockhomes.com slash GRE, that's F, l, O, C, K, homes.com/gre.   Keith Weinhold  11:16   You know, most people think they're playing it safe with their liquid money, but they're actually losing savings accounts and bonds don't keep up when true inflation eats six or 7% of your wealth. Every single year, I invest my liquidity with FFI freedom family investments in their flagship program. Why fixed 10 to 12% returns have been predictable and paid quarterly. There's real world security backed by needs based real estate like affordable housing, Senior Living and health care. Ask about the freedom flagship program. When you speak to a freedom coach there, and that's just one part of their family of products, they've got workshops, webinars and seminars designed to educate you before you invest. Start with as little as 25k and finally, get your money working as hard as you do. Get started at Freedom, family investments.com/gre, or send a text. Now it's 1-937-795-8989 Yep. Text their freedom coach directly. Again, 1-937-795-8989,   Kathy Fettke  12:27   this is the real wealth network's Kathy betke, and you are listening to the always valuable get rich education with Keith Weinhold. You   Keith Weinhold  12:46   Is America really short millions of homes? If so, that doesn't mean every market is undersupplied, and prices can only go up because of it. If there's a housing shortage, why are prices falling in some cities? So the shortage? Is that something that's real, or is it just misunderstood, and you're gonna learn what it means to you? I'm get rich education's Keith Weinhold along with an intelligence authority today that usually gets it right. In fact, I found an old clip of him on Bloomberg where he suggested home prices bottoming in 2011 and as it turns out, they sure did today, together, we're answering the question, does America really have a housing shortage? And my guest has often appeared in major media, CNBC, Fox NPR. He's the founder of the CJ Patrick company. Hey, welcome back to the show. Rick sharga,   Rick Sharga  13:39   good to see you again. Keith, thanks for inviting me.   Keith Weinhold  13:41   You know, it's funny. Four years ago, Rick and I found each other, and we sort of checked each other out. I found him to be an authority that just doesn't go on saying this bombastic and absurd stuff just to get attention. Instead, he quietly gets it right, and when he knew I had a real estate YouTube channel, similarly, I resonated, because I'm not one of these people that's constantly saying that housing prices are going to crash just to get views and then those crash. People never follow up when they're wrong, and they've been wrong for about 14 years now. But Rick, rather than prices, we're here to understand if there's really a housing shortage today, most agencies believe we have a shortage. Moody's will tell you 2 million. Zillow, four to 5 million. Congressional Republicans have gone on to say 20 million. I sure don't know about that. And then yet, Rick sometimes at the same time, you do see these conflicting stats, where it says that sellers outnumber buyers today, which sort of flies in the face of a housing shortage. So what is your take amidst all this?   Rick Sharga  14:46   Well, Keith, I think what we're seeing is a fairly obvious example that if you torture data enough, you can make it say anything in the right you wanted to say. And there is a lot of confusion about how much. A housing shortage we really do have. It's not like we have 20% of the population unable to find anywhere to live. Most people still prefer to live indoors, and they've been able to do so, but the fact of the matter is that all of the math suggests that we are underserved in terms of the number of housing units available across the country, and we can go through some of the math. The big question, of course, is, how many houses are we short? How many housing units are we short? And the reason the numbers are all over the place, and as you suggested, let's set aside the Republican estimate of 20 million, because there's, there's certainly something political going on there, but the estimates range from around a million to as high as five or 6 million. And the reality is all of those estimates are counting something different. Some are counting housing growth versus population growth. Some are counting vacancy rates compared to historic levels, some are counting inventory available for sale today versus inventory available to sale in prior years. So each of these organizations, and they're all pretty reliable organizations, Moody's is certainly good. Zillow's research team is top notch. Fannie Mae and Freddie Mac the National Association of Realtors. None of these people are hiring dime store economists. They're all good folks, but they're all measuring something slightly different, which is why these numbers come out all over the place, and the one of the fundamental challenges is trying to figure out housing shortages compared to what, or compared to when. All of these estimates assume that there was some point in history when we had exactly the right number of housing units to suit the needs of the population. So they start with some point in time, and I think if you did enough research, you find they all start at slightly different points in time, and then kind of work their way forward from that and come to very different conclusions, again, based on where they started and where they ended up, and what they count. The one thing I would push back on a little bit from some of your comments in the intro is that I am highly, highly skeptical, extraordinarily skeptical of the reports that talk about how many more sellers we have than buyers, because that makes some wild assumptions about the number of people that are actually interested in buying a house. And I've never seen any research methodology that's really nailed that number accurately. Because nobody knows if you're thinking about buying a house right now, until you go to an open house until you do a search on on Zillow, or realtor.com or homes.com until you actually are applying for a loan or making a deposit. So the notion of being able to mind read three 40 million Americans to figure out how many of them are interested in buying, I think, is a neat trick, but I do think it's at least in part one of those methods that people use to get a lot of clicks to their website   Keith Weinhold  18:05   right? This whole thing of and I think when we talk about sellers versus buyers, that's shorthand. What we really mean are, there are some stats out there that show that prospective sellers outnumber prospective buyers, in some cases, which, yeah, I think I agree with you there. I doubt that as well. And yeah, of course, I think you're getting on some of the nuance here. We're trying to predict how some people would behave. For example, how much pent up demand is there when we're talking about sellers versus buyers, and we're talking about a shortage, for example, say, the 28 year old living with their parents that could move out and afford to buy a home if mortgage rates hit 5% like for example, how do you count that? Or, how would you even know to   Rick Sharga  18:53   it's a valid point. Keith, and I think that fundamentally, is my question. With that particular report, you really can't count that person. We do have some metrics that we follow, and it's funny, you mentioned that 5% mortgage, because as we record this, mortgages have broken that 6% threshold for the first time in a number of years. And just about every kind of mortgage you could buy right now is below 6% so that's a good thing. And every time we've gotten close to that 6% mark. In recent years, since mortgage rates doubled back in 2022 we've seen a huge influx of people applying for purchase loans, for those mortgage loans to buy a house, those numbers are up somewhere between 13 and 15% year over year right now, and that's before we've really had these mortgage rates dip below 6% so to me, that suggests there really is pent up demand out there, and I judge that just based on what I see in terms of a number of people actively applying for a loan.   Keith Weinhold  19:54   Yeah, there's a lot of nuance here. HUD tells us that we have more. Homeless people than we've ever had in this nation. So that's sort of an extreme affordability problem. To your point earlier about how most people want to live indoors, and I'm sure not making light of homelessness. It's a sad situation, but we're always going to have homeless people regardless of whether we have excess housing or a housing shortage. We have about 146 million housing units in the United States. The census shows and suggests that 8 million of those 146 million are housing units where people have doubled up and are sharing space with non relatives. That's one way to think about the level of pent up demand within the shortage,   Rick Sharga  20:44   I don't know if that's a result of shortage necessarily, or if that's a result of having the weakest affordability for people looking to buy homes that we've had in over 40 years. The last time affordability was as bad was the 1980s and the reason affordability was bad back then was because mortgage rates were at 1819, 20% and it made it very difficult for people to afford homes. But we're coming out of a very unusual cycle, and this is a little bit off topic from our inventory question, but it's the only time in US history when two conditions have hit the housing market back to back, if you go back to covid, coming out of covid, we saw home prices go up nationally by over 50% in about 18 months. It was a huge, huge, unprecedented increase. Yeah, and right on the heels of that, as inflation started to get out of control, the Federal Reserve had to take pretty extreme measures to get that back down. So they started playing with the Fed funds rate, and we saw mortgage rates double in 2022 in the history of the country, according to Freddie Mac we've never seen mortgage rates double in a calendar year. And in 2022 They not only doubled in a calendar year, they doubled in the space of a few weeks. So we're coming out of a period where home prices went up by over 50% and then mortgage rates doubled, and it just crushed affordability. So the people that have been looking to buy a $400,000 house suddenly realized they could only afford a $200,000 house, and there were none of those around. It's really why home sales have gone down as rapidly as they had volume of sales. In 2021 we sold 6 million existing homes. In 2022 it dropped to 5 million. And for the last three years, we've been sitting at around about 4 million annual sales of existing homes. And again, that doesn't suggest a lack of inventory, a lack of homes, because there are fewer people buying, and there's more properties staying on the market longer. But the underlying numbers, the underlying metrics we would look at, are where we can start to kind of deduce that there aren't enough homes. For example, you mentioned that there are about 146 million housing units across the country. Most recent census data I have from the end of 2024 says it's about 140 748, 40 748 million. So it's up just slightly from your number. That represents a growth of about 6.7% in housing units between 2010 and 2024 during the same period of time, the population went from about 309 million to about 340 1 million, and that represents a growth rate of about 7.4% so if everything else stayed equal, your population grew at a faster rate than your housing units did. And that suggests that even if the number of housing units was ideal back in 2000 it's somewhere less than ideal by the time we got to the end of last year,    Keith Weinhold  23:42   we're talking with Rick sharga. He's the founder and owner of the housing market intelligence firm, the CJ Patrick company. We're answering the question, does America really have a housing shortage? We're getting a yes there. And before we're done, we're going to talk about, how long could the shortage persist? But Rick, you spoke to affordability, and I think that has a lot to do with the nuances within the shortage, and that brings up shortages within the luxury tier versus shortages in the entry tier. And the entry tier is really what a lot of our listeners and viewers are interested in, because we're used to buying those as rental properties. So can you tell us about that?   Rick Sharga  24:23   It's a great point, Keith. And what we've been talking about so far is kind of a structural shortage in the overall number of housing units that could be purchased, could be owner occupied, could be rented. And one of the culprits there, and I will answer your question, I promise, one of the culprits there is that builders simply haven't built that much. If you look at the long term average, like 2025 years, the average number of housing starts was somewhere between 1.3 and 1.4 million a year coming out of the Great Recession in 2010 so you look at that last 15 year period or so, 12. Of those years, they've started less homes than that long term average. So builders simply haven't been keeping pace, not only with population growth, but also with just the ability to create enough homes in general, to offset the number of homes that are obsoleted every year, that get bulldozed every year. So there is a structural shortage. To your point, if you look at inventory available for sale, we are up about 9% year over year, but we're still down about 15% from where we were prior to the pandemic. So there are fewer homes for sale than there were back when the market was functioning more efficiently. The most drastic shortage is at the entry level builders simply have not been making a lot of entry level properties. There's a reason for that. There's some independent research out there, including some research from Fannie Mae that suggests that the pre construction cost a builder has to absorb before they break ground is over $100,000 across the country, on average, higher than that, where I'm calling you from today, in California, it's about 120,000 there. If your table stakes are 100,000 $120,000 it's really difficult to make a profit on an entry level property. So the builders, I think understandably, have been focusing on higher dollar, higher value properties and not replenishing that supply that we need for first time buyers and the kind of properties that real estate investors tend to like. The other problem we've had, Keith, is that when those mortgage rates doubled, the people who had purchased those entry level homes refinanced into a two and a half 3% mortgage and are now sitting on a $300,000 property, let's say or $250,000 property with a two and a half percent mortgage. And if they wanted to trade up, they'd be trading up to a four or $500,000 house with a 6% mortgage. And they simply can't afford to do that. So the combination of entry level owners staying put at much larger numbers and builders creating new entry level homes at much smaller numbers has really created kind of a crisis of inventory at the entry level segment of the housing market.    Keith Weinhold  27:18   Yeah, when we talk about that crisis of inventory in what's available. I'm not talking about shortage numbers now. I'm talking about the active listing count. This means more or less available homes to buy. This includes single family homes and condos. We have an active listing count of around 1 million today. The historic average is around 2.2 million, and that peaked near 4 million during the global financial crisis. So today, only about one quarter as many active listings, available homes as at the peak,    Rick Sharga  27:54   yeah, only about half as many as, let's call it a normal market, and that's one of the reasons. I think the first time you and I spoke on your podcast, we were talking about all the online snake oil salesmen who were predicting a home price crash. But that's one of the reasons why home prices haven't crashed, and why they've kind of continued to grow, at least at a modest pace, and in some cases now are starting to decline a little bit. But that lack of inventory on the market. When you don't have enough inventory to meet demand, or just barely enough to meet demand, that means that seller doesn't really have to negotiate all that much. That means that buyers are kind of at a disadvantage, and so as long as that's the case, you'll see home price stability. That doesn't mean that every market is going to see prices go up. But if you look across the country right now, if you look at markets where home prices are down even marginally year over year, you're looking at the Gulf Coast states, you're looking at some other southern markets, Las Vegas, Phoenix, you're looking at some outlying markets like Boise, Florida, certainly, and Texas. And those are markets where inventory is actually considerably higher than it was a year ago, and in some cases, considerably higher than it was back in 2019, if you look at markets where prices are still going up a lot, Midwest, Northeast, those are still markets where there's not enough inventory to meet demand. So that relationship between available inventory for sale and demand is really what drives pricing    Keith Weinhold  29:23   this whole discussion, which is really about the supply, just in the economics one on one. Adam Smith of supply versus demand. A lot of people, just like including my dad, when I was telling him about housing, something he doesn't follow. And I told him that prices are up the most in the Northeast and Midwest. That surprised him. He was like, No, well, population growth is lower here and lower than Pennsylvania, where he lives. And that's when I brought up, well, they're under building there. So in parsing this by geography, Rick, I think another way that we can do it is parsing the housing shortage by the single family homes versus apartments, because it's. Pretty well documented that nationally, apartments could be seen as overbuilt, and single family is under built. Do you have any details with respect to that?    Rick Sharga  30:08   We talk a little bit about that, and quick shout out to both of our home state, Pennsylvania, yeah, Phil, Philadelphia actually had some of the highest annual price increases right in their home sales last year. But part of that isn't just because they haven't been building a lot in Philadelphia or the suburbs. It's because we see people moving from higher priced markets into lower priced markets. So we have people actually commuting to New York who have bought homes in Philadelphia or the Philadelphia area. They can get much more house for their money there. They're not subject to some of the wage taxes that happen in New York State. They just get on that Amtrak and train into the city every day. So there is some of that going on across the country too, as we still see net migration of people moving out of states like California, New York and Illinois into nearby states where the cost of living is much lower. That slowed down since covid, since a lot of companies have been requiring people to come work back at the office. But it is still happening. It is still happening in generally the same direction you raise the issue of inventory for rental units versus inventory for, let's say, owner occupied properties, we have seen a plateau in the number of single family rental homes. So the stuff you're hearing out of DC, that you're seeing the media about the really important ban on institutional investor buying is really much more sizzle than substance. Oh, right. Institutional investors are owned and are buying a fraction, but we've seen over a million apartment units come online in the last 18 months. It's about the largest number of apartments that have that have sprung up and in that shorter period of time on record. And we've gotten to a point where in some markets, there's actually a little bit of an oversupply of those apartment units now that will balance itself out over the next couple of years, because multifamily building starts are way down too so we're not seeing a lot of activity there as builders hold off, waiting for this new inventory to get absorbed. But to put it in perspective, vacancy rates went from near zero back during covid in those apartments to over 6% last year. Rental rates have gone down from 15% year over year, increases back in 2020, 2021, to negative numbers nationally in the last year, just talking apartments, just apartments. So we have a short term mini glut, if you will, of apartments. It will be absorbed rapidly. We have 92 million people between the ages of 26 and 54 who are have either formed households or are about to a lot of them would like to be homebuyers can't afford today's prices, so they're renting instead. And about 5 million people a year are turning 35 which is when, you know, we parents start literally kicking them out of the house. So I think that rental overage will resolve itself, really, in the next 12 to 18 months. And if the builders don't start building new inventory by that point, we'll wind up with another shortage on the housing front, I'm of the opinion that we're at least a million homes short compared to what demand should be. I think the number is probably somewhere between one and 2 million. And again, I'm doing that simply based on a slight decrease in vacancy rates, population growth and the aging of the population. What could throw all of our numbers off? Keith is one of the X factors in demographics and population, which is immigration. Population growth, if it's organic, if it's by birth, does have an effect on housing, to an extent, but it's it's more nuanced, and it takes longer to really show itself if you're dealing with adult immigrants coming into the country, particularly immigrants who are coming in for jobs and have income that they can spend on housing, your housing demand goes up quickly, and that can have some local market repercussions depending on where the immigrants are going.   Keith Weinhold  34:18   In Philadelphia is not a coastal city. Its cost of housing is surprisingly low to a lot of people, but it's not on a coast. Just look at a map. Well, Rick, as we're winding down here, how long could the housing shortage persist overall?   Rick Sharga  34:33   I think we're in a period of time right now where builders are reluctant to overbuild. They got caught in the great recession with about a 13 month supply of homes available for sale, and then as home prices crashed, they were competing with their own inventory from the prior year, and many of them took a real beating financially during that period of time. So I don't expect we'll see builders overbuild anytime soon. And that tells me that we're probably looking at at least another three to five years before we can have a rational conversation about housing numbers kind of leveling off to be where they should be. We mentioned immigration. That is an X factor that could extend the housing shortage. If we start to see more immigration coming into the country, it could mean that we don't need as many houses as I suspect, if we have fewer people coming into the country. And the other x factor here is the boomers, the baby boomers of any generational cohort, probably have the highest home ownership rates right now and ultimately will age out of their properties. They've stayed there longer than any prior generation has, and that's also contributed to the inventory shortage, as opposed to the housing shortage. But as a friend of mine said, and it's a little macabre, but as he says, boomers will eventually leave their homes, either vertically or horizontally, so that will bring some inventory back to the market as well   Keith Weinhold  35:58   housing supply. It is rather inelastic, and we're probably going to be in this shortage for a number of years. Well, Rick, tell us how and why people consult with you and then just how they can do that.   Rick Sharga  36:12   Yeah, I work with mostly companies that are in the real estate or mortgage industries. Keith, I typically prepare a lot of market intelligence reports to them. It's real estate data, economic data, mortgage data. For some clients, I do foreclosure reports. They know what's going on in terms of delinquencies and defaults. For others, I do research on investor purchase activity, what they're buying, what they're selling, what they're paying, where they're doing all this. So anything that's data related to real estate data, mortgage data, economic data, I'm kind of neck deep in and I'm very easy to find on either LinkedIn or x. So if anybody's listening today and wants to connect on those platforms, just reach out and tell me you saw me on the GRE podcast, and I'll know you're legit.   Keith Weinhold  36:56   Housing supply is coming up short, but Rick never does. It's been great having you back on the show.   Rick Sharga  37:02   We'll do it again soon, Keith, It's great talking to you.   Keith Weinhold  37:10   Do we really have a housing shortage? The answer is yes, and the number of units short is one to 2 million. The shortage is worst in the entry level home segment, which matters so much to us as investors, we are owning an asset that's going to have sustainable demand for quite a while into the future. Rick indicated that it could take perhaps three to five years just to get back into balance. Now, we recently learned that there were fewer housing permits issued last year than there were in any year since 2019 and housing permits are an indicator of the future home supply. They had their recent peak five years ago with 1.7 5 million, and last year, there were just about 1.4 million. So home permits issued are 19% lower today than they were back in 2021 this is a harbinger of supply, because from the time that a permit is issued, it takes six to 12 months to complete a single family home. It's about six months to build a tract home, and closer to 12 months for a custom home. For apartments, it can take in excess of 24 months to deliver that period of time from permitting to completion. So nationally, we should continue to see scarce supply in the one to four unit space, keeping upward pressure on prices again for the most valuable 40 minutes of educational real estate investing material around you can access my premium real estate pays five ways, master class of five videos, totally free. And you know how I operate. I don't try to upsell you to some paid course. Either. It's just truly free. I'll send it to you. You can access it at get rich education.com/course coming up on future episodes here on the get rich education podcast, we're about to go on a run. The next stretch of GRE is loaded. We've got fresh topics with some game changing monolog content that I'm going to share with you new guests, distinguished guests. Next week, the youngest guest to ever appear on the show is going to be with us. He's a 19 year old college student with a real estate investing related major. How does he see Gen Z's financial world? Is there any hope at all? The following week, we're going to break down an innovative way to sell properties that could completely change how you think about your exit strategy when it's all done, when it's time for you to retire from real estate, rather than a 1031, Exchange, which would just keep you in the real estate game and with more of it, do a seven. 21 exchange into a real estate fund. Have no more assets to manage, no more property managers to manage total capital gains tax deferral and still get financial upside. And then just four weeks from now, it's get rich education podcast episode number 600 debt is the American dream. So if you're serious about building wealth, be sure to follow or subscribe to the show. If you've already done that, I would really appreciate it if you told a friend about this show until next week. I'm your host. Keith Weinhold, don't quit your Daydream.   Speaker 3  40:39   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  40:58   The preceding program was brought to you by your home for wealth, building, get richeducation.com

In hour three, Hoch has a brutal experience taking the Amtrak. Are the Heat back to being a dangerous team in the East with Tyler? Plus, Hoch & Crowder have wildly different expectations for the Dolphins next year than a surprisingly optimistic Solana.

On today's episode, CORINNE FISHER and KRYSTYNA HUTCHINSON read an email from a woman whose BFF is dating her former teacher. Corinne shares her Amtrak sleeper room journey and Krystyna is floored by the model accounts in Reality Check: America's Next Top Model. The gals then welcome stand-up comedian, partner violence awareness advocate, and filmmaker BRITTANY BRAVE to the studio. The trio have a detailed discussion about Brittany's former relationship with a man who was abusive in all the ways and how she came to escape it and develop true love for herself. PLUS! Dos and Don'ts if your friend is in an abusive relationship. Follow BRITTANY on IG: @⁠BrittanyBrave⁠Follow CORINNE on IG @⁠PhilanthropyGal⁠Follow KRYSTYNA on IG @⁠KrystynaHutch⁠Follow ERIC on IG @⁠EricFretty ⁠ Want to write into the show? Send us an email: ⁠SorryAboutLastNightShow@gmail.com⁠Music credit for this episode:Dan BernClouds⁠https://music.apple.com/us/album/clouds/1536533371?i=1536533710 Hosted on Acast. See acast.com/privacy for more information.

Henrico officials break ground on a major transportation project; Amtrak launches new bus service between Staples Mill and Main Street stations and Washington, D.C. tomorrow; gas prices in Metro Richmond up 31 cents per gallon in the past week; Reynolds CC designated as "Leader College"; our Weekend Top 5.Support the show

In this episode, Woojin Kim, MD, Chief Strategy Officer and Chief Medical Information Officer at HOPPR, shares his remarkable journey from his early years navigating life in the U.S. as an undocumented immigrant to becoming one of radiology's most influential innovators in imaging informatics and AI. Drawing on formative experiences, arriving in the U.S. as an undocumented child, learning English through painstaking self‑translation, and finding stability in a supportive Korean church community, Woojin reflects on how those early years shaped the resilience, curiosity, and drive that underpin his professional journey. During this inspiring conversation, host Geoffrey Rubin, MD, MBA, FACR, traces Woojin's evolution from MSK radiologist and imaging informatics fellow to serial entrepreneur, co‑founding companies including Montage Healthcare Solutions (acquired by Nuance), Equium Intelligence (acquired by Rad AI.) Woojin discusses the origins of his informatics mindset - the Amtrak train rides where he taught himself to code, the team culture that fueled multiple successful exits, and what he learned about scaling technology, leading through acquisition, and deploying AI across diverse health systems worldwide. The conversation dives into the current frontier of radiology AI from foundation models, automated reporting, and agentic AI systems to the critical role of governance. Woojin explains why cognitive‑load reduction, not speed alone, will define the next generation of tools, how practices can prepare for rapid technological shifts and why radiologists must remain stewards of clinical judgment as AI becomes increasingly capable. Through a blend of personal perspective and deep technical insight, Woojin offers a compelling roadmap for radiologists, leaders, and trainees navigating a future shaped by continuous learning and transformative technology. Production support for this third annual William G. Bradley Memorial episode of the RLI “Taking the Lead” podcast has been provided by the California Radiological Society Foundation. The CRS Foundation was established to honor the legacy of Dr. Bradley, a pioneer in radiology practice, research, and leadership, and is committed to advancing the future of radiology in California. Tax‑deductible contributions to the Foundation can be made at www.calrad.org/crs-foundation.

The Trump administration is announcing it will rollback a Biden-era rule on power plant emissions of mercury, a neurotoxin that impairs cognitive development in young children. The rule mainly affects pollution from plants that burn coal. Unionized Penn Graduate students have reached a tentative agreement with the university, narrowly averting a strike. The agreement comes after more than a year of negotiations. Pennsylvania Hospital is considered the nation’s oldest hospital, opening in Philadelphia in 1751. Now, the hospital’s original site at the Pine Building will become a museum and mark the country’s 250th anniversary celebrations. An Amtrak employee was killed Monday morning after being struck by a train in Lancaster County. Pennsylvania's rape crisis centers say Governor Josh Shapiro's budget - which maintains their funding at flat levels - will worsen staffing and service challenges. If you're already a member of WITF's Sustaining Circle, you know how convenient it is to support programs like this. By increasing your monthly gift, you can help WITF close the budget gap left by the loss of federal funding. Visit us online at witf.org/increase or become a new Sustaining Circle member at www.witf.org/givenow to help build a sustainable future for WITF and public media. Thank you. Support WITF: https://www.witf.org/support/give-now/See omnystudio.com/listener for privacy information.

Bostonians all have their opinions about South Station. Love it, hate it, or tolerate it -- it's the one place in Boston where you can get an Amtrak, T, commuter train, or bus. And now it's a place to work, play, and live. Decades in the making, South Station Tower is a public-private partnership that guaranteed renovations for the Station, while creating a new 51-story tower above it. It's also part of a larger trend of using the 'blank space' -- the air rights -- above transit hubs worldwide. Hear how it was done. To learn more, visit www.builtpodcast.com.

Powerful snowstorm blasting through the northeast, all Amtrak services are suspended, and T.F. Green International Airport in Rhode Island has grounded all flights. Stay in "The Loop" with WBZ NewsRadio.See omnystudio.com/listener for privacy information.

On KMOX, StuMac chats with Scott Jagow about their love of train travel, comparing rail vs flying, sharing Amtrak trips across Missouri, high speed trains in Germany, scenic observation routes, and a lighthearted moment with train songs and a whistling Walmart story.

Plea deals for suspects in the 2023 Dadeville birthday-party shooting; Alabama makes it harder to set environmental standards; severe-weather tax holiday and a proposed gun tax holiday; how Amtrak's doing on the Gulf Coast; record highs from yesterday. Learn more about your ad choices. Visit megaphone.fm/adchoices

This week on Correct Opinions, Trey, Katie, Jake, and Derek cover: the latest push present / ring saga update, Trey's special + diamond “carat vs karat” confusion, tongue tie + a Tate McRae PSA, why test drives are awkward, millennial road trip nostalgia, Amtrak/train chaos stories, Dutch Bros orders, checking your credit score for fun (??), toothbrush mix-ups, and a wild Olympic village/NBC tangent.Sponsors:Go to http://RO.CO/CORRECTOPINIONS to see if you're eligible for the new GLP-1 pill on Ro.Try EveryPlate and get $2.99 per meal on your first box, plus free steak for a month. Go to http://EveryPlate.com/podcast and use code treysteak to claim your offer. Get 40% off select Lola Blankets products at http://Lolablankets.com by using code CORRECTOPINIONS at checkout. Experience the world's #1 blanket with Lola Blankets.Slow the growth of greys and get 15% off by using code [CORRECTOPINIONS] at http://Arey.comJoin the patreon today! http://patreon.com/treykennedy

Tonight on NJ Spotlight News, the Gateway Development Commission announced that it's received the full $205 million dollars from the federal government for the Gateway Tunnel project, and work is expected to restart as early as next week.    Plus, we talk with Assemblyman Ravi Bhalla about his controversial bills responding to recent ICE actions in New Jersey.   Also, service disruptions continue for NJ Transit riders as Amtrak switches service from the old Portal bridge, we talk to frustrated rail commuters.   And, is the drinking water in Trenton safe? We'll take a look at the ongoing issues at Trenton Water Works.

Tonight on NJ Spotlight News, NJ Transit commutes were expected to be slower this morning because Amtrak has begun shifting service from the old Portal North Bridge to the new one.   Plus, as the funding starts flowing for the Gateway Tunnel project, President Trump calls the project a “boondoggle” and promises to once again withhold it.   Also, we get the latest from Washington over the partial government shutdown after a deal failed to fund the Department of Homeland Security.   And, social media and youth mental health, we talk with one New Jersey lawmaker pushing a bill to strengthen online protections.

The talk ranges from a little politics to Super Bowl advertising, and train travel. Shop Talk Focus Group reveals that Gen Z is shunning liquor more than previous generations resulting in the bankruptcy of a few brands. Caught My Eye covers a front porch auction find and the latest in Amtrak fashion. William Levitt, the King of Suburbia, is the Business Birthday this week. We're all business. Except when we're not. Apple Podcasts: apple.co/1WwDBrC Spotify: spoti.fi/2pC19B1 iHeart Radio: bit.ly/4aza5LW Tunein: bit.ly/1SE3NMb YouTube Music: bit.ly/43T8Y81 Pandora: pdora.co/2pEfctj YouTube: bit.ly/1spAF5a Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Bradley Jay Filled in On NightSideAre you a train enthusiast or have you always wanted to take a special ride on the open rails? Bradley is a bit of a train enthusiast himself and discussed all the different types of train adventures you can go on whether it’s a luxury train in the U.S. or Europe, a cross-country rail, New England train ride for a daytrip, etc. There are all sorts of landscapes to be seen riding the open rails! Bradley shared some of his train adventures and welcomed listeners to share yours! Jason Abrams with Amtrak also checked in to discuss some of Amtrak's offerings.See omnystudio.com/listener for privacy information.

HISTORY This Week will return with new episodes this Monday, February 16th, with a story about the most vital train tunnels in the United States. The North River Tunnels—their formal name—connect New Jersey to Penn Station in New York City, carrying 200,000 passengers every day. These tunnels underneath the Hudson are now over 115 years old, and are in desperate need of repair. The tunnel rehabilitation effort will be the largest infrastructure project in the country. It's just getting underway, but now, the funding has been tied up in a political battle between the Trump Administration, Amtrak, and the states of New York and New Jersey. The stakes could not be higher. If these tunnels were to fail, up to 20% of U.S. GDP could be at risk. In this episode, we will unpack just how difficult it was to dig these tunnels in the first place. One man, Pennsylvania Railroad President Alexander Cassatt, was determined to build this critical rail connection, ultimately linking the entire Eastern Seaboard via train for the first time, using engineering methods that had never been tried before. If he failed, his corporation—the largest in the world at the time—would have been doomed.

Tara Lush is the Florida-based author of the Crescent Moon Mystery series, where the bodies are fictional, but the weird Florida vibes are very real.She's a RITA finalist, Amtrak writing fellow, and George C. Polk Award winner who once covered crime, hurricanes, and alligators for the Associated Press.These days, she conjures up mysteries from her home near the Gulf of Mexico, where she lives with her husband, dog, and possibly a ghost or two. Website: www.taralush.comFacebook Page: https://www.facebook.com/LushBooksInstagram: https://www.instagram.com/the.book.lush*****************About SinCSisters in Crime (SinC) was founded in 1986 to promote the ongoing advancement, recognition and professional development of women crime writers. Through advocacy, programming and leadership, SinC empowers and supports all crime writers regardless of genre or place on their career trajectory.www.SistersinCrime.orgFacebook: https://www.facebook.com/sincworldwideInstagram: https://www.instagram.com/sincworldwide/Threads: https://www.threads.com/@sincworldwideBluesky: https://bsky.app/profile/sincworldwide.bsky.socialTikTok: https://www.tiktok.com/@sincworldwideeTikTok:: https://www.tiktok.com/@sincnationalLinkedIn: https://www.linkedin.com/company/sisters-in-crime/The SinC Writers' Podcast is produced by Julian Crocamo https://www.juliancrocamo.com/

Potential good news for those who use Exit 80 off I-95 in the Lakeside area; crime was down in Henrico last year; how a rail project near Washington, D.C. is impacting local Amtrak commuters; our daily weekday Henrico Black History Month Spotlight series.Support the show

The parking wars turn violent in Boston, problems on Amtrak have passengers at a standstill this morning, and the Patriots answer questions ahead of the big game. Stay in "The Loop" with WBZ NewsRadio.See omnystudio.com/listener for privacy information.

On this episode of Transit Unplugged, Paul Comfort is joined by Roger Harris, President of Amtrak, for an in-depth look at what's driving momentum at America's national railroad. Roger breaks down a remarkable 2025 for Amtrak—highlighting record ridership, revenue growth, and historic capital investment—and shares what's ahead in 2026 as the organization stays focused on one core priority: running a great railroad.Paul and Roger explore how Amtrak operates as both a passenger rail provider and a critical infrastructure partner—especially in the complex Northeast Corridor ecosystem where commuter agencies and intercity rail depend on shared networks, tunnels, and bridges. Roger also digs into how smarter scheduling, strong demand, and modernized service planning are fueling growth—while new investment helps deliver more consistent reliability and a stronger customer experience.They also preview what's coming next, including the NextGen Acela rollout, the future of Airo fleet modernization, and new service momentum like the Amtrak Mardi Gras route. Plus, Roger shares how Amtrak is preparing to support major national moments ahead—including World Cup travel and America 250.In this episode, you'll hear:What drove Amtrak's record performance in 2025 Why “running a great railroad” means consistency, tools, and reliability How Amtrak supports commuter partners as an infrastructure provider What's next for NextGen Acela and Airo fleet modernization How Amtrak is preparing for World Cup crowds and America 250Host + Producer: Paul ComfortExecutive Producer: Julie GatesProducer: Chris O'KeeffeEditor: Patrick EmileAssociate Producer: Cyndi RaskinBrand Design: Tina OlagundoyeSocial Media: Tatyana MechkarovaIf you have a question or comment, email us at info@transitunplugged.comDisclaimer: The views and opinions expressed in this program are those of the guests, and do not necessarily reflect the views or positions of Modaxo, its affiliates or subsidiaries, or any entities they represent. This production belongs to Modaxo and may contain information subject to trademark, copyright, or other intellectual property rights. This content is provided for general informational purposes only and should not be relied upon as legal advice. Modaxo disclaims all warranties and liability arising from the use of this material.

630,000 is the number of riders who travel through Penn Station every day—making it the busiest transportation hub in the nation. The catch? It was designed, reportedly, for just 200,000. Revitalizing Penn Station is a bit of a white whale for its many stakeholders, including three transit agencies, two states, one city, and now, the Federal government. There is momentum at long last in part thanks to the head of the project for Amtrak, Andy "Train Daddy" Byford. So—what should the station look like? What will happen to MSG? Who will pay—and who's in charge? Listen in as CBC President Andrew Rein and Byford have a substantive conversation about the project's future.

Dave and Chuck the Freak talk about Groundhog Day, things to look forward to in February, guy opened full body wax and grooming for men salon, toilet failure over ocean during 15 hour flight, another winter storm and deep freeze temps, snow on Florida beaches, snow plow plowed road ahead of ambulance with newborn who needed hospital, ice highway in Wisconsin, Today Show anchor's mom went missing, IVF clinic mixed up eggs and sperm, 90-year-old man scammed out of $800k, boxer's wig knocked off during fight, NFL ticket sales up, Catherine O'Hara died, Grammy awards, nude guy on Universal Studio tram, man hit by flying chair thrown by friend during fight, couple stole dildos at gunpoint, woman sliced off partner's penis, guy went in for gallbladder surgery and left with vasectomy, guy makes booze made with adult content creator's panties, disgusting habits people think are actually normal, skiers rescued from snow and cold, crackdown on super speeders, bin stores, DoorDash robots, man demanded a waitress cut burger in half, Amtrak track suit, and more!See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Today on the Woody and Wilcox Show: Road conditions after the winter storm; Catherine O'Hara has passed away; Grammys recap; Heated Rivalry series causes increase in ticket sales for hockey games; Government is phasing out physical checks for tax refunds; Amtrak sweat suit; Boxer loses hairpiece during fight; Wilcox's wife clears a path in the yard for the dog; Bad Bunny could not perform at the Grammys because he is doing the halftime show at the Super Bowl; Strange reason you went to the emergency room; Mini van sales increased 20% in 2025; And more!

What happens when grief arrives all at once—and refuses to follow the rules?In this deeply moving episode of Female Voices: Life & Loss, host Teresa Reiniger sits down with Mon Trice Williams (aka Poet Emma Dree)—a widow, mother, poet, author, and curator of healing spaces—who shares how losing her mother, husband, and five other family members within single year reshaped everything she thought she knew about grief, self-care, and resilience.Rather than trying to “fix” her grief, Mon Trice learned to listen to it—and what emerged was a powerful philosophy: self-care isn't a one-time rescue, it's a sustainable network. Through poetry, interactive open mics, serenity suppers, and immersive writing experiences, Mon Trice now creates healing spaces that help people process grief, identity shifts, and loss—together.This episode is a must-listen for anyone navigating grief, burnout, widowhood, or emotional overwhelm—and for those who feel pressure to be “high-functioning” while silently unraveling.

Transit Unplugged wraps a six-part “State of Transit” series to kick off 2026, Paul Comfort is joined by Hayden Clarkin — transportation engineer, mobility consultant, Mass Transit Magazine Top 40 Under 40 honoree, and one of the industry's most-followed voices online, known as “The Transit Guy.” In a wide-ranging conversation from New York City, Paul and Hayden break down the biggest forces shaping transit right now — from automation and AI to Amtrak expansion, station revitalization, and the growing push for better rider information and wayfinding. In this episode, we cover: Why transit automation is gaining momentum — and why new lines should be designed for it from day one What WMATA's Automatic Train Operation progress could mean for capacity, reliability, and cost efficiency Where AI can create real value today (and where the hype still outpaces reality) What privatization could look like in North America — and what we can learn from global models Why night trains are resurging in Europe, and whether a similar model could work here The future of Amtrak, corridor expansion, and the challenges of state-by-state rail planning The return of iconic train stations — and why station location matters as much as architecture How wayfinding and real-time information can make transit easier for everyone (including first-timers) If you're looking for a fast, smart snapshot of where transit is headed next, this episode is your roadmap. Follow Hayden Clarkin: “The Transit Guy”: https://www.linkedin.com/in/haydenclarkin/ https://www.instagram.com/thetransitguy/ https://thetransitguy.substack.com/ Host + Producer: Paul Comfort Executive Producer: Julie Gates Producer: Chris O'Keeffe Editor: Patrick Emile Associate Producer: Cyndi Raskin Brand Design: Tina Olagundoye Social Media: Tatyana Mechkarova If you have a question or comment, email us at info@transitunplugged.com Disclaimer: The views and opinions expressed in this program are those of the guests, and do not necessarily reflect the views or positions of Modaxo, its affiliates or subsidiaries, or any entities they represent. This production belongs to Modaxo and may contain information subject to trademark, copyright, or other intellectual property rights. This content is provided for general informational purposes only and should not be relied upon as legal advice. Modaxo disclaims all warranties and liability arising from the use of this material.

Aboveground, Manhattan's Riverside Park provides open space for the densely populated Upper West Side. Beneath its surface run railroad tunnels, disused for decades, where over the years unhoused people have taken shelter. The sociologist Terry Williams ventured into the tunnel residents' world, seeking to understand life on the margins and out of sight. He visited the tunnels between West Seventy-Second and West Ninety-Sixth Streets hundreds of times from 1991 to 1996, when authorities cleared them out to make way for Amtrak passenger service, and again between 2000 and 2020.  Life Underground: Encounters with People Below the Streets of New York (Columbia UP, 2024) explores this society below the surface and the varieties of experience among unhoused people. Bringing together anecdotal material, field observations, photographs, transcribed conversations with residents, and excerpts from personal journals, Williams provides a vivid ethnographic portrait of individual people, day-to-day activities, and the social world of the underground and their engagement with the world above, which they call “topside.” He shows how marginalized people strive to make a place for themselves amid neglect and isolation as they struggle for dignity. Featuring Williams's distinctive ethnographic eye and deep empathy for those on the margins, Life Underground shines a unique light on a vanished subterranean community. Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://newbooksnetwork.supportingcast.fm/american-studies

Aboveground, Manhattan's Riverside Park provides open space for the densely populated Upper West Side. Beneath its surface run railroad tunnels, disused for decades, where over the years unhoused people have taken shelter. The sociologist Terry Williams ventured into the tunnel residents' world, seeking to understand life on the margins and out of sight. He visited the tunnels between West Seventy-Second and West Ninety-Sixth Streets hundreds of times from 1991 to 1996, when authorities cleared them out to make way for Amtrak passenger service, and again between 2000 and 2020.  Life Underground: Encounters with People Below the Streets of New York (Columbia UP, 2024) explores this society below the surface and the varieties of experience among unhoused people. Bringing together anecdotal material, field observations, photographs, transcribed conversations with residents, and excerpts from personal journals, Williams provides a vivid ethnographic portrait of individual people, day-to-day activities, and the social world of the underground and their engagement with the world above, which they call “topside.” He shows how marginalized people strive to make a place for themselves amid neglect and isolation as they struggle for dignity. Featuring Williams's distinctive ethnographic eye and deep empathy for those on the margins, Life Underground shines a unique light on a vanished subterranean community. Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://newbooksnetwork.supportingcast.fm/new-books-network

Aboveground, Manhattan's Riverside Park provides open space for the densely populated Upper West Side. Beneath its surface run railroad tunnels, disused for decades, where over the years unhoused people have taken shelter. The sociologist Terry Williams ventured into the tunnel residents' world, seeking to understand life on the margins and out of sight. He visited the tunnels between West Seventy-Second and West Ninety-Sixth Streets hundreds of times from 1991 to 1996, when authorities cleared them out to make way for Amtrak passenger service, and again between 2000 and 2020.  Life Underground: Encounters with People Below the Streets of New York (Columbia UP, 2024) explores this society below the surface and the varieties of experience among unhoused people. Bringing together anecdotal material, field observations, photographs, transcribed conversations with residents, and excerpts from personal journals, Williams provides a vivid ethnographic portrait of individual people, day-to-day activities, and the social world of the underground and their engagement with the world above, which they call “topside.” He shows how marginalized people strive to make a place for themselves amid neglect and isolation as they struggle for dignity. Featuring Williams's distinctive ethnographic eye and deep empathy for those on the margins, Life Underground shines a unique light on a vanished subterranean community. Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://newbooksnetwork.supportingcast.fm/anthropology

Aboveground, Manhattan's Riverside Park provides open space for the densely populated Upper West Side. Beneath its surface run railroad tunnels, disused for decades, where over the years unhoused people have taken shelter. The sociologist Terry Williams ventured into the tunnel residents' world, seeking to understand life on the margins and out of sight. He visited the tunnels between West Seventy-Second and West Ninety-Sixth Streets hundreds of times from 1991 to 1996, when authorities cleared them out to make way for Amtrak passenger service, and again between 2000 and 2020.  Life Underground: Encounters with People Below the Streets of New York (Columbia UP, 2024) explores this society below the surface and the varieties of experience among unhoused people. Bringing together anecdotal material, field observations, photographs, transcribed conversations with residents, and excerpts from personal journals, Williams provides a vivid ethnographic portrait of individual people, day-to-day activities, and the social world of the underground and their engagement with the world above, which they call “topside.” He shows how marginalized people strive to make a place for themselves amid neglect and isolation as they struggle for dignity. Featuring Williams's distinctive ethnographic eye and deep empathy for those on the margins, Life Underground shines a unique light on a vanished subterranean community. Learn more about your ad choices. Visit megaphone.fm/adchoices

Aboveground, Manhattan's Riverside Park provides open space for the densely populated Upper West Side. Beneath its surface run railroad tunnels, disused for decades, where over the years unhoused people have taken shelter. The sociologist Terry Williams ventured into the tunnel residents' world, seeking to understand life on the margins and out of sight. He visited the tunnels between West Seventy-Second and West Ninety-Sixth Streets hundreds of times from 1991 to 1996, when authorities cleared them out to make way for Amtrak passenger service, and again between 2000 and 2020.  Life Underground: Encounters with People Below the Streets of New York (Columbia UP, 2024) explores this society below the surface and the varieties of experience among unhoused people. Bringing together anecdotal material, field observations, photographs, transcribed conversations with residents, and excerpts from personal journals, Williams provides a vivid ethnographic portrait of individual people, day-to-day activities, and the social world of the underground and their engagement with the world above, which they call “topside.” He shows how marginalized people strive to make a place for themselves amid neglect and isolation as they struggle for dignity. Featuring Williams's distinctive ethnographic eye and deep empathy for those on the margins, Life Underground shines a unique light on a vanished subterranean community.

The first numbers are out for the new Amtrak route between New Orleans and Mobile — the Mardi Gras service. It opened in August, and the numbers show the route has seen nearly double the ridership than was originally forecast. The response has been so strong that Amtrak just announced it added one more train car per round-trip, increasing capacity, which on some days is still not enough to meet demand.Amtrak spokesperson Marc Magliari joins us to discuss what this says about demand in our region for passenger train service.LSU's Center for Energy Studies published its latest outlook reviewing the future of the energy industry in the Gulf South. It highlights the policy uncertainty that stakeholders are dealing with, along with an uncertain situation for international trade agreements and tariffs.Executive director of LSU's Center for Energy Studies Greg Upton joins us for more.Chagas disease is on the rise in Louisiana. The condition, which causes cardiac and digestive issues, is spread by parasite-carrying bugs in the Triatomine family — also known as kissing bugs. While the disease is endemic to South America, researchers are now calling for the reclassification of the disease as endemic in the United States.Tulane researchers have been studying the transmission and prevention of Chagas disease for over a decade. Claudia Herrera, assistant professor at Tulane's school of Public Health and Tropical Medicine, joins us for more.—Today's episode of Louisiana Considered was hosted by Adam Vos. Our managing producer is Alana Schreiber. We get production support from Garrett Pittman and our assistant producer Aubry Procell.You can listen to Louisiana Considered Monday through Friday at noon and 7 p.m. It's available on Spotify, the NPR App and wherever you get your podcasts. Louisiana Considered wants to hear from you!Please fill out our pitch line to let us know what kinds of story ideas you have for our show. And while you're at it, fill out our listener survey! We want to keep bringing you the kinds of conversations you'd like to listen to.Louisiana Considered is made possible with support from our listeners. Thank you!

21 people have been indicted for conspiring to engage in exhibitions of speed and illegal reckless driving. This weekend, there will be more major roadwork on I-5, right next to the border. All coaster and Amtrak train service between San Diego and Oceanside will be suspended this weekend.   What You Need To Know To Start Your Saturday. 

Send us a textLinking the Travel Industry is a business travel podcast where we review the top travel industry stories that are posted on LinkedIn by LinkedIn members.  We curate the top posts and discuss with them with travel industry veterans in a live session with audience members.  You can join the live recording session by visiting BusinessTravel360.comYour Hosts are Riaan van Schoor, Ann Cederhall and Aash ShravahStories covered on this podcast episode include:Air Albania ceases flight operations.Croatia Airlines is getting a government bailout to the tune of €150m.Frontier Airlines replaces their CEO Barry Biffle after 11 years.And it looks like Frontier and Spirit Airlines might end up merging.Amtrak content becomes available in Travelport via SilverRail.Finnair makes a surprise route announcement with services to Melbourne (via BKK) to start late next year from Helsinki.Former Qantas executives and board members who hold life-time travel perks with the airline have been told they won't be able to utilize those in first class on their ultra long-haul project Sunrise flights.Which companies got mentioned the most in these weekly summaries during 2025? Which stories stood out for us during the #LTTI recordings?What are our predictions for 2026?You can subscribe to this podcast by searching 'BusinessTravel360' on your favorite podcast player or visiting BusinessTravel360.comThis podcast was created, edited and distributed by BusinessTravel360.  Be sure to sign up for regular updates at BusinessTravel360.com - Enjoy!Support the show

The Sixers rallied for a win in Memphis over the Grizzlies in a signature VJ Edgecombe performance. Embiid looked the most spry he has in years in the team's first win with Maxey, Embiid and Paul George all active. Then we relive the Lottery Party moment at Franklin Music Hall when we got the #3 pick, and put the APB out for a Ricky listener on an Amtrak train who stole a seat. Happy 2026, we love you.Reserve your spot for Fly The Process New Orleans here: https://www.rightstorickysanchez.com/p/flyThe Rights To Ricky Sanchez is presented by Draft Kings Sportsbook.LL Pavorsky Jewelers is where Rights To Ricky Sanchez listeners go and get engaged.Kornblau Law is the official law firm of the processSurfside Iced Tea and Vodka is the official canned cocktail of The Ricky. 

Join Clay Edwards for the final episode of 2025 on The Clay Edwards Show (Episode #1127)! In this New Year's Eve special, Clay reflects on the year, sharing personal updates on health and wellness, discussing the biggest news stories in Mississippi and nationally, and diving into fun topics like the most popular baby names of the year—broken down by state, national trends, and even by race with a humorous twist.   Clay's take on dodging the flu and staying healthy. Top 10 Mississippi news stories of 2025, from childcare crises and Amtrak's return to the Gulf Coast to major weather events, political moves, and law enforcement scandals. National top stories, including high-profile trials, natural disasters, protests, and political milestones. A rundown of notable celebrity deaths in 2025, from music icons like Ozzy Osbourne and Jimmy Cliff to actors like Diane Keaton, Val Kilmer, and Hulk Hogan.   Clay also opens up the discussion to listeners: What was your biggest news story of the year? Tune in for unfiltered commentary, laughs, and a lookahead to 2026.   If you enjoyed the episode, hit like, subscribe, and turn on notifications for more reality radio doses! Share your thoughts in the comments—what's your top story or celebrity loss from 2025?

On September 20, 1988, nineteen-year-old Terra Leigh Calico set out on her morning bike ride along Highway 47 in Valencia County, New Mexico. She never came home. In the nearly 37 years since her disappearance, this case has become one of America's most haunting unsolved mysteries, defined by a chilling Polaroid photograph discovered in a Florida parking lot and decades of whispered accusations that have never led to justice. But the story most people know is only part of the truth. In this episode of The Redacted Report, we pull back the curtain on the facts that never made it into the official narrative. We examine evidence that was lost, destroyed, or never properly collected, including a suitcase containing telephone wire found during a drug investigation at a nearby motel and later destroyed by a detective.We explore persistent rumors of a pink bicycle and underwear with Terra's initials that were allegedly found but never logged as evidence, and we reveal the shocking truth about the Walkman and cassette tape pieces that were analyzed and determined not to belong to Terra at all. This episode takes a hard look at witnesses who were overlooked or ignored, including a pivotal eyewitness who reported seeing a group of four or five young men and one woman waiting in Terra's path on the morning she vanished. That witness is now dead, their full account lost to time. We also examine the story of a man named Ishmael who came forward, was placed under hypnosis, identified a suspect from a photo lineup, and then was abandoned by the detective who was supposed to follow up with him. We explore the chilling connection to David Parker Ray, the Toy Box Killer, who was born in Belen and whose family had a ranch near where Terra disappeared. Ray closely resembled the composite sketch of the man seen following Terra, but FBI investigators ruled him out based on his meticulous record-keeping, which contained no mention of Terra Calico. With Ray eliminated as a suspect, investigators turned their attention to local young men who allegedly knew Terra and had been harassing her for months before she vanished.The episode delves deep into the mysteries surrounding the Polaroid photographs, including the famous Port Saint Joe image and two additional photographs found in California and on an Amtrak train. We examine the phone number written on the spine of the V.C. Andrews novel in the photograph, which yielded 300 possible combinations and 57 valid phone numbers, none of which produced any leads. We discuss the beach sighting of a young woman matching the photograph being given verbal orders by several men, and we address Marilyn Manson's claim that he used to drop similar staged photographs in Florida as pranks. We reveal the threatening notes that were left on Terra's car for months before her disappearance, notes that were dismissed as high school antics and have since disappeared from the evidence record. We examine the case of Debra Lansdell, a 29-year-old woman from nearby Peralta who vanished on September 21, 1985, almost exactly three years before Terra and nearly to the exact day.The episode covers the breakthrough that came in October 2020 when the Rocky Mountain Information Network completed a two-year analysis of the case and recommended pursuing loose ends that had never been fully explored. We discuss the sealed search warrant executed in September 2021 and the June 2023 announcement that law enforcement believes there is sufficient evidence to submit the case to the District Attorney's Office for potential charges. We examine the statute of limitations problems that complicate prosecution and the ongoing search efforts, including the September 2025 mine shaft investigation that employed fly traps designed to attract insects that feed on human remains.This is a story about more than just one missing woman. It is a story about systemic failures, about evidence that was mishandled or destroyed, about witnesses who were ignored, about a community that may have known the truth for decades and chosen to remain silent. It is a story about families who waited their entire lives for answers and died without ever receiving them.The FBI reward of $20,000 remains in place. Anyone with information about this case is encouraged to contact the Valencia County Sheriff's Office at 505-866-2400 or submit tips online at tips.fbi.gov.After 37 years, the truth is still out there. Someone knows what happened on Highway 47 that September morning. This episode is a call to finally break the silence.

In this episode of the FreightWaves Morning Minute, we investigate a major class-action filing aimed at stopping the California DMV from canceling nearly 20,000 commercial driver's licenses due to administrative errors. The Lawsuit Targets California DMV Over Administrative Failures Affecting 20,000 CDL Drivers argues that these cancellations disproportionately affect the Sikh community and pose an immediate risk to the stability of the supply chain. We also break down critical leadership updates in maritime governance, including the Senate confirmation of former Maersk executive Stephen Carmel as the administrator of the Maritime Administration. As the Marad chief, FMC nominee confirmed, these new appointees are set to fill vital gaps in the agencies that regulate U.S. ocean and port logistics. Finally, we discuss the rejection of an ambitious rail initiative after Amtrak turns down the ‘Transcontinental Chief' proposal, citing a lack of a fundamental business case for the 72-hour transcontinental service. AmeriStarRail now plans to lobby Congress to force negotiations for the drive-aboard train service in hopes of launching by the 2028 Olympics. Learn more about your ad choices. Visit megaphone.fm/adchoices

Celebrate the magic of Christmas travel done smartly in this festive midweek mini episode of Wonderland on Points. Mary Ellen shares how she pulled off a dreamy, budget-friendly Christmas Eve getaway to New York City with her preschooler using points and miles, from scoring affordable Amtrak tickets to booking a Times Square hotel that would have cost over $1,000 per night for just 29,000 Hyatt points. You'll hear practical tips for Amtrak booking and upgrades, smart seat selection for kid-friendly Broadway-style shows like the Radio City Rockettes Christmas Spectacular, and how Hyatt's Brand Explorer “Hyatt Bingo” can unlock valuable free night certificates. Along the way, the episode highlights simple joys like New York pizza in bed, a magical Disney Store moment, and the power of solo parent-child trips made possible through points and miles. Perfect for families looking to travel more, spend less, and create meaningful holiday memories, this episode is packed with real-world strategies and Christmas cheer.Episode SponsorFlipside Luggage (Use code WONDERLAND for 25% OFF!)Find Us On Online:Mary Ellen | JoFacebook GroupWonderland On Points BlogHoliday Gift Ideas for Travel LoversAffiliate Links:Comfrt.com 15% OFFRakuten- Mary Ellen (Get 5000 AMEX or Bilt POINTS)Rakuten- Joanna (Get 5000 AMEX or Bilt POINTS)Chase/Capital One/Amex Card LinksFlyKitt- the BEST Jet Lag Solution!Tripiamo Driving TutorialsOur Favorite Travel NecessitiesWe receive a small commission when you choose to use any of our links to purchase your products or apply for your cards! We SO appreciate when you choose to give back to the podcast in this way!

Your Nebraska Update headlines for today, Dec. 23, include: human remains found in outbuilding on Furnas County farm have been identified, Amtrak trains crossing Nebraska are nearly sold out most nights this holiday season as demand outpaces available rail cars, funding for Nebraska's Business Innovation Act has been reinstated, University of Nebraska at Kearney reduces planned budget cuts after faculty and staff feedback, forecasters say Nebraska could see record warmth heading into Christmas.

Hunter Biden is an American attorney, businessman, and author and the son of President Joe Biden. Born in Delaware and shaped by profound personal tragedies and a diverse career in finance, policy, and international ventures. His mother and sister passed away in a car accident when he was young, and his brother, who survived the accident, later passed at age 46 from brain cancer. Married to Melissa Cohen, with whom he has one child. He graduated with a Bachelor of Arts degree in history from Georgetown University and earned a Juris Doctor degree from Yale Law School, before working briefly as a Jesuit volunteer in Portland, Oregon, and transitioning into banking and politics. Biden built his early career at MBNA America, then served at the United States Department of Commerce, focusing on e-commerce policy during the Clinton administration. In 2001, he co-founded the lobbying firm Oldaker, Biden & Belair, which worked on issues including online gambling. He served as a board member of Amtrak and is a founding partner of Rosemont Seneca Partners, an investment and advisory firm. He previously was on the board of BHR Partners, a China-based private equity firm, and from 2014 to 2019, he served on the board of Burisma Holdings, a Ukrainian energy company owned by Mykola Zlochevsky, amid political investigations. In 2013, Biden joined the U.S. Navy Reserve as an ensign, but was discharged in 2014. Biden has publicly admitted to struggles with addiction, detailed in his 2021 memoir Beautiful Things, and has been sober since 2019. He faced public controversies, including the 2018 laptop scandal, and was under federal criminal investigation for tax matters and firearm possession. In 2024, he pleaded guilty to failing to pay $1.4 million in taxes from 2016 to 2019 on foreign income, which he spent on drugs and luxuries. In April 2025, President Joe Biden issued a pardon clearing Hunter of his federal gun and tax convictions. Biden continues to advocate for awareness of addiction through his personal story of recovery and resilience. Shawn Ryan Show Sponsors: Cancel your unwanted subscriptions and reach your financial goals faster with Rocket Money. Go to https://RocketMoney.com/SRS today. Go to https://armra.com/SRS or enter SRS to get 30% off your first subscription order. Ready to upgrade your eyewear? Check them out at https://roka.com and use code SRS for 20% off sitewide. Hunter Biden Links: Book - https://www.amazon.com/Beautiful-Things-Memoir-Hunter-Biden/dp/1982151110/ref=sr_1_2 Learn more about your ad choices. Visit podcastchoices.com/adchoices

Got a story idea for Bloodworks 101? Send us a text message Each year, Bloodworks Northwest sets aside December 18th as Washington State Blood Donor Day. It's a day that comemorates the Amtrak 501 derailment near DuPont on Decemeber 18th, 2017. But it also shines a light on the need to be ready BEFORE disasters like that occur. The derailment killed three and injured dozens and crippled transportation in Western Washington for days. Bloodworks Northwest's Juan Cotto spearheaded the effort to get the day set aside a few years ago but as Bloodworks 101 producer John Yeager found out, it wasn't the last time he'd be at the center of a statewide blood donation awareness campaign. 

The U.S. is increasing pressure on Venezuela, sanctioning three nephews of First Lady Cilia Flores, two of whom are known narcotics smugglers. it comes after the U.S. seized an oil tanker with alleged links to terrorist groups. Venezuela calls the action piracy, while the White House says the U.S. intends to take the oil from the vessel.The Indiana State Senate voted down a new congressional map yesterday 31-19, that would have favored Republicans. That's despite having a 40-10 Republican super-majority in the chamber. The redrawn map would have given Indiana Republicans all nine of the state's U.S. House seats, two more compared to what they currently have. Republicans and Democrats are separated by just 3 seats in the U.S. House, and redistricting could determine control of the chamber in the 2026 midterms.Days of torrential rain have triggered historic flooding in Washington state, leaving families stranded, sweeping away homes, and prompting rescues. Tens of thousands remain under evacuation orders. The storms have shut roads and halted Amtrak service between Seattle and Vancouver. Officials warn the powerful atmospheric river is pushing rivers toward record levels.

We examine whether night trains can work in the United States by starting with a real sleeper ride from Zurich to Leipzig and then mapping routes where overnight service fits naturally. Dreamstar's proposed LA–SF sleeper gets a reality check, while Amtrak's current options and price gaps are unpacked with practical fixes.• First‑hand review of ÖBB Nightjet Zurich to Leipzig• Differences between compartments and open‑berth formats• Snapshot of U.S. sleeper history and Pullman luxury• Amtrak room types, limitations and high fares• Why overnight rail saves time, money and stress• Dreamstar LA–SF feasibility, timelines and obstacles• Easy pilot candidates on NEC overnight slots• Route ideas: LA–Phoenix, Chicago–Minneapolis, Chicago–Kansas City, Chicago–Nashville• Shared berths as a lower‑cost U.S. option• What it would take to win mode‑shift from flightsIf you liked this video, please go ahead and hit that subscribe button. If you work for Amtrak or Dreamstar and want to talk sleepers, reach out. You can support us via Patreon, Buy Me a Coffee, or our merch store.Send us a textSupport the show

Madison has been waiting for passenger rail to connect us to neighboring cities for decades. We saw a glimmer of possibility in 2021 when Amtrak shortlisted Madison as a location for service by 2035. Ultimately, whether or not passenger rail comes to Madison is up to Amtrak and the state of Wisconsin, but the City of Madison is doing their part to attract the train. City Cast Madison host Bianca Martin chats with city transportation director Christof Spieler about the latest developments in the future of rail transportation in Madison.  ‼️ P.S. It's day one of our week-long membership drive! Get more from City Cast Madison when you become a City Cast Madison Neighbor. You'll enjoy perks like ad-free listening, invitations to members only events, and more. Plus if you sign up this week, we'll send you our special City Cast Madison beanie. Join the City Cast Madison Neighbors program today!

Today we're going to check in with weather reporter Leigh Morgan as we begin the winter season and also talk about how accurate this year's hurricane-season forecast was. In today's report we also have early Amtrak success on the Gulf Coast, human remains finally identified, and a really big house. Learn more about your ad choices. Visit megaphone.fm/adchoices

A wise woman once said, “You can tell the ocean anything, but it has to be the truth.“ Chion Wolf boards the MSC Meraviglia expecting a week of small talk and sunscreen. But the farther she gets from land, the more people become willing to hang out in the deep end to talk about love, loss, faith, sobriety and stories they’ve been holding onto for years. When they speak, the ocean listens. And in this hour, so do you. Listen to a BONUS track featuring more voices from the ship: Latisha from the Bronx; Vincent Ferrito and Lauren Englemann from Brooklyn, NY; Brittney and Jeana Lockhart from New Bedford, MA; Henry Armbrister, Barbara Williams, Dellie Maycock, and Giovanni Ferguson from Nassau, Bahamas. Suggested episodes: The Big E: What it takes to create 17 days of magic Life advice, one Audacious guest at a time It's A Brand Nude Day! Discovering delight - and despair - in dumpster diving Welcome to the Punderdome! We're entering NYC's punniest pun competition SOLD! Audacious Auctioneers Plus, Advice on Amtrak’s Southwest Chief, a project Chion did interviewing passengers on a 48-hour train ride GUESTS: A segment: Keith Miller from Long Island, NY; Kevin Luong from New York, NY; Vin Panday from Ontario, Canada; Jessica Struble from Holly, PA; Ruby Selver from Turks and Caicos; and Marty and Mary Pasternak from Buffalo, NY B segment: Mike Turner from Levittown, PA; Brian Martignetti from El Paso, TX; Darrell Floyd from New Haven, CT; and Randy Deveaux and Sylvia Wilson from Nassau, Bahamas C segment: Joe and Valerie Leone from Blue Bell, PA; Tommy and Cindy Lazarz from Ware, MA; John and Ada Sue Siler from Richmond, VA; and Javier and Angela Mahon from Brooklyn, NY Support the show: https://www.wnpr.org/donateSee omnystudio.com/listener for privacy information.

Episode 719: Neal and Toby talk about the latest jobs report…that reports September numbers? That's because of the government shutdown. And it's a mixed bag, of course. Then, Walmart, America's largest, and seemingly most reliable retailer reports strong earnings as consumers prioritize affordability. Meanwhile, AI toys are a thing and parents are being warned to keep their kids away from them. Plus, Amtrak reports a record year and Bath & Body Works CEO thinks the company stinks. Finally, ‘Wicked: For Good' aims for the biggest opening of 2025. Learn more at usbank.com/splitcard  Get your MBD live show tickets here! https://www.tinyurl.com/MBD-HOLIDAY  Subscribe to Morning Brew Daily for more of the news you need to start your day. Share the show with a friend, and leave us a review on your favorite podcast app. Listen to Morning Brew Daily Here:⁠ ⁠⁠https://www.swap.fm/l/mbd-note⁠⁠⁠  Watch Morning Brew Daily Here:⁠ ⁠⁠https://www.youtube.com/@MorningBrewDailyShow⁠ Learn more about your ad choices. Visit megaphone.fm/adchoices

Jared and Mike stare into the abyss as the Democrats squander all of the good vibes they inherited on election night over the shutdown negotiations. Later, they listen to Josh Hammer cry in constricting underwear on his Newsweek podcast about Washington Commanders fans booing down the Big Drumpf before introducing “Robby Latte,” an activist who goes around calling corporations, asking them to drop their DEI policies. Hammer and Robby Latte tackle the new question on the mind of MAGA: Is Woke Dead? The answer is complicated but the deeper truth is that Chuck Schumer killed it. He took the Amtrak down to D.C., fell asleep in his seat with a folded copy of Newsweek in his hands, and stabbed it in the heart. Listen to the full episode on Patreon

This week, Sheri sits down with Wendy, her travel agent partner at CruiseTipsTV, to chat about Norwegian Cruise Line's switch back to Free at Sea — what it means for cruisers — plus a fun dive into the world of Amtrak travel. Whether you love the sea or the rails, this episode is full of travel inspo and insider insight! Download our shore day bag checklist and more cruise packing and planning checklists & videos by joining the CruiseTipsTV Academy at https://academy.cruisetipstv.com

"All aboard the scam express!" Laci welcomes news correspondent and producer Loren Lorosa (The Breakfast Club) to unpack how over 100 Amtrak employees derailed the company's health plan in a $12 million scheme involving crooked doctors and fake claims. Stay schemin'! CON-gregation, catch Laci's TV Show Scam Goddess, now on Freeform and Hulu! Did you miss out on a custom-signed Scam Goddess book? Look no more, nab your copy on PODSWAGKeep the scams coming and snitch on your friends by emailing us at ScamGoddessPod@gmail.com. Follow on Instagram:Scam Goddess Pod: @scamgoddesspodLaci Mosley: @divalaciLoren Lorosa: @lorenlorosa Research by Kathryn Doyle  SOURCEShttps://www.trains.com/trn/news-reviews/news-wire/seventeen-amtrak-employees-resign-over-health-care-fraud-investigation/https://www.yahoo.com/news/amtrak-taken-ride-wild-12m-193215305.htmlhttps://www.insurancebusinessmag.com/us/news/legal-insights/over-100-amtrak-workers-linked-to-12-million-insurance-scam-535523.aspxhttps://www.justice.gov/usao-nj/pr/new-york-acupuncturist-sentenced-34-months-prison-role-9-million-health-care-fraud Subscribe to SiriusXM Podcasts+ to listen to new episodes of Scam Goddess ad-free and a whole week early. Start a free trial now on Apple Podcasts or by visiting siriusxm.com/podcastsplus. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.