Podcasts about Appalachian

An inspiring conversation with Bryan Hubbard as he shares his journey from Appalachian roots and a career in law to leading groundbreaking reform in addiction treatment. Discover how personal loss, the opioid crisis, and transformative experiences with psychedelics like ibogaine have shaped his mission to bring hope and healing to those struggling with trauma and dependency. Don't miss this powerful story of resilience, advocacy, and the fight for real change.Resources & Links:Americans for Ibogaine: americansforibogaine.orgBeyond and Ayo Clinics (Ibogaine treatment centers in Mexico)Inner Vision Iboga (Juliana Mulligan's organization for clinic guidance)Connect with Bryan Hubbard:Learn more about Bryan's work and advocacy by visiting Americans for Ibogaine or following updates on state-level psychedelic policy reform.For More on Gabby:Instagram @GabbyReece: https://www.instagram.com/gabbyreece/TikTok @GabbyReeceOfficial https://www.tiktok.com/@gabbyreeceofficialThe Gabby Reece Show Podcast on YouTube: https://www.youtube.com/@GabbyReeceProduced by Dear Media.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Keith discusses seven ways to get a lower mortgage rate, emphasizing the historical impact of the 1940s GI Bill on homeownership and wealth creation.  Caeli Ridge, founder of Ridge Lending Group, digs into smart tactics like adjustable rate mortgages, DSCR loans, and down payment options, plus insider tips on boosting your creditworthiness, timing your rate lock, and planning ahead so you can maximize your returns.  They also explore trends like 50-year mortgages and portable mortgages, and the benefits of FHA and VA loans for first-time buyers.  Resources: Want expert guidance on your next real estate investment or mortgage? Reach out to Ridge Lending Group for personalized support and a full range of loan options—whether you're a first-time buyer or seasoned investor. Visit ridgelendinggroup.com or call 855-74-RIDGE to take your next step! Episode Page: GetRichEducation.com/582 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  For predictable 10-12% quarterly returns, visit FreedomFamilyInvestments.com/GRE or text  1-937-795-8989 to speak with a freedom coach Will you please leave a review for the show? I'd be grateful. Search "how to leave an Apple Podcasts review"  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— GREletter.com or text 'GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Keith Weinhold  0:01   Welcome to GRE. I'm your host. Keith Weinhold, seven ways you can get a lower mortgage interest rate. We'll break them down loan types available to you that you never heard of, and learn how the 1940s GI Bill shaped the mortgage that you get today on get rich education   Speaker 1  0:22   Since 2014 the powerful get rich education podcast has created more passive income for people than nearly any other show in the world. This show teaches you how to earn strong returns from passive real estate investing in the best markets without losing your time being a flipper or landlord. Show Host Keith Weinhold writes for both Forbes and Rich Dad advisors, and delivers a new show every week since 2014 there's been millions of listener downloads of 188 world nations. He has a list show guests include top selling personal finance author Robert Kiyosaki. Get rich education can be heard on every podcast platform, plus it has its own dedicated Apple and Android listener phone apps build wealth on the go with the get rich education podcast. Sign up now for the get rich education podcast, or visit get rich education.com   Corey Coates  1:07   You're listening to the show that has created more financial freedom than nearly any show in the world. This is get rich education. You Keith,   Keith Weinhold  1:23   welcome to GRE from the Romanian Black Sea to the Egyptian Red Sea and across 188 nations worldwide. I'm Keith Weinhold, and this is the indefatigable get rich education before we discuss the seven ways that you can get a lower mortgage rate and more in the 1940s before my dad was born, the GI Bill gave veterans returning from World War Two access to cheap home loans, and that single policy decision might have done more to shape the modern American Housing landscape than Anything else in the last 100 years. Think about it, millions of young men, almost kids, really had just spent the better part of their early adulthood in Europe or the Pacific. They came home, married their sweethearts, started families, and suddenly America had this booming demand for housing, but demand alone doesn't build homes. You also need money. You need access to credit, and that's where the GI Bill stepped in. It didn't just thank returning service members for their sacrifice. It handed them something way more powerful, the ability to buy a home with little money down a low interest rate and underwriting standards that would frankly look like a fantasy today, that access to credit sparked one of the biggest housing booms in American history. You had these entire suburbs that sprang up overnight, Levittown in New York, Lakewood in California. These were master planned communities, and they really became a blueprint for Post War America. We had the booming 50s, and this had a lot to do with it. Here's the part that most people don't understand. This wasn't just about housing. This was about wealth creation, because for better or worse, home ownership has been the primary wealth building vehicle for the American middle class these past 100 years, when you give millions of people a subsidized path into property ownership, you're not just giving them a roof. You're giving them equity appreciation, leverage, tax benefits. You're giving them the engine, this flywheel that spins up generational wealth in a lot of ways. The GI Bill is the earliest institutional example of what I at least tell you here on the show, real estate pays five ways. Now they didn't call it that in 1947 but that's exactly what it was. Veterans earned appreciation as suburbs grew. They had amortization working for them, they collected tax advantages. Inflation slowly eroded their fixed rate mortgage balances too. And here's the thing, these weren't even speculative investments. They were homes that they lived in. Now, of course, the GI bill wasn't perfect. It expanded opportunity for millions of people, but it excluded a lot of people too. Lenders and local governments often blocked black veterans and other minorities from accessing the same benefits. That's a whole story unto itself, but the takeaway for today is, when you combine demographic momentum with favorable financing, you can remake a nation, and that's why housing policy still matters today, which we'll get. Two shortly, when you change access to credit or just tweak it, you change the trajectory of families and markets for generations, and the GI Bill proved that. So when we talk about interest rates, affordability, supply shortages, or any of the high frequency housing data that we cover here, remember that the stories aren't just about numbers. They really are about people. They're about giving ordinary Americans the chance to build wealth the same way that those World War Two veterans did through ownership, stability and the quiet compound leverage, not compound interest. Compound leverage that real estate delivers over time.    Keith Weinhold  5:49   I'm bringing you today's show from, I suppose, a somewhat exotic location. I am inside Caesar's Palace, which is right near the very middle of the famed Las Vegas Strip, that's where I'm at. The hotel staff is always accommodative of the show setup. This might seem a little strange to you, because I'm not a gambler. The reason I'm here is that my brother lives 25 minutes away, and I've been with him during Thanksgiving. Next week, I'll bring you the show from Buffalo, New York, and then two weeks from now, I have something heart warming to tell you about that, and it is a real estate story. I'll be broadcasting the show from upstate Pennsylvania. I'll be there to visit my parents. My brother's also coming in from Nevada to be there. That's where the four of us, mom, dad, my brother and I will sit around the same dining room table in the same kitchen of the same home that my parents have lived in since the 1970s nothing has changed, and all four of us know our spots at the table. And actually, it's not even called the dining room table. It is the supper table, as my parents call it so, from flashy Caesar's Palace today to Buffalo and then to Appalachian simplicity in Pennsylvania, the stability and continuity of my parents living in the same home and four wine holds sitting around the table during the holidays, it is so rare. I imagine less than one or 2% of people can do this. I'm just profoundly grateful and proud of Kurt and Penny Weinhold for being the best, most stable parents I could have asked for. It's almost too much to ask, and if you don't have that in your life. Ah, you can do something about that. You can provide the same decency and stability for your children.    Keith Weinhold  7:50   Let's talk about seven proven ways you can get a lower mortgage rate with this week's terrific guest. Though, we'll focus on investment properties. A lot of this applies to primary residences as well.   Keith Weinhold  8:07   We are joined by the founder of the lender that's created more financial freedom for real estate investors than any other mortgage originator in the nation, the eponymous Ridge lending group. And though that sounds impressive, my gosh, she didn't even need that introduction for you the listener, because she's one of the most recurrent guests in show history. Welcome back to GRE Caeli Ridge,   Caeli Ridge  8:30   I am delighted to be here as always, Keith, thank you for your support and acknowledgement. I love what you do, and I'm hoping that I can bring more value today to your listeners in what it is that we do, educating the masses, right?   Keith Weinhold  8:42   You've been doing that here for about 10 years. And yes, we're talking about a woman with a reputation for writing emails in all caps, yet still maintains a great relationship with everybody. I mean, congrats, shaile. I couldn't possibly pull that off myself.   Caeli Ridge  8:58   Thank you, Keith. And you know, I'm going to stay by my all caps, man, it's a speed thing. It all boils down to the number of seconds in the day that I can just move quickly through an email. Yeah, I love my all caps.   Keith Weinhold  9:09   Apparently recipients are still replying, well, you can get a lower mortgage rate in at least seven ways. You can get an adjustable rate mortgage, do a midweek lock in, negotiate seller credits. Have a high credit score. Do a two one buy now, which is kind of old school, but some home builders are using it boost your DTI or buy now, not later. Those are some of the strategies for lowering your mortgage rate. What are your thoughts with regard to that?   Caeli Ridge  9:39   I think all of those are viable. I would just say on the adjust for a mortgage. The pushback I would give there is, is that for residential property, specifically, single family, up to four units, we are not finding that spread between the arm and a 30 year fix. We've been the industry as a whole, secondary specifically been on the inverted yield. Now this gets a little tough. Nickel, and I won't go down that rabbit hole, but 08, 09, the housing and lending crash created an environment within secondary markets where an inverted yield has made a 30 year fixed mortgage more favorable in the rate department. Now that's not always going to be the case. I am a huge fan of the adjustable, but what would work right now is an adjustable with the all in one not to take too much time on that topic, but that would be an adjust rate mortgage that I think would save interest or reduce the rate of which interest is accruing,   Keith Weinhold  10:30   the all in one loan, which we discussed extensively back at the beginning of this year here on the show. Long term, though, I have seen adjustable rate mortgages work for a lot of people, because really, the compelling proposition of the arm is that it guarantees that you get a lower rate in the near term, and yet there's only a chance that you're going to have a higher rate in the long term   Caeli Ridge  10:53   and further. Let's I mean, let's dissect that a little bit. I am a huge proponent. I love an adjustable rate mortgage when the arm is pricing a half or a full percentage point plus over a fixed especially for non owner occupied and the reason for that is, and this is statistically speaking, feel free to look this up, guys, the average shelf life of a mortgage for an investment property is about five years. Great point, right? And we know that if that's the case, right, we're refinancing to harvest equity. We're refinancing maybe to reduce an interest rate from where the market was before, et cetera, et cetera. So that would be the first thing I would say. And then also remember, you guys the first 10 years of an amortized mortgage, 30 year fixed, amortized mortgage, how much of that payment is going to the principal? Because people will often push back by saying, well, either an interest only, or an adjustable and what happens if it changes or it goes up? Most of your payment is going to the interest anyway, and that reset to harvest equity. Borrowed funds are non taxable. We always say that, right? I think it's fully justified. So I love an arm, I just don't know, in comparison to a 30 year fixed today, like a five year ARM versus a 30 year fixed we are in a place that it makes sense, but normally, to your point, absolutely. Fan   Keith Weinhold  12:06   that spread needs to widen for the arm to make more sense. What about doing a mid week rate lock in? Is that a thing?    Caeli Ridge  12:13   Yeah. And you know, I don't have any empirical evidence here. Okay, I don't have any data points that actually prove this, except for 25 years in the business and locking loans every day of my life. There's something about a Monday and a Friday. And I have some conspiracy theories. I don't know that. I it's necessary to share them here, but midweek locks tend to be more favorable in both points and interest rate than you'll find on a Friday and a Monday. I think largely it has to do with, you know, the stock exchanges shutting down for the weekend, right? You got a Friday, you got two days in between. You got foreign markets, and all the things that can explode and happen during that amount of time. So I think they hedge a little bit. So on Friday, going into the weekend, I think that there's something about that and why interest rates are a little less favorable. And then Monday, of course, coming off the weekend, similarly, maybe there's some truth to that too.   Keith Weinhold  13:02   Now, negotiating seller credits has really been a trend to help with affordability. Tell us about specifically what you're seeing there, what's common.   Caeli Ridge  13:11   So we're talking to investors. I can tell you that the loan products you guys are going to have access to are going to cap you, okay, you're going to cap at, per guideline, 2% of the purchase price. Okay, remember that your points that you're paying when you get into locking an interest rate are going to be calculated on the loan size, all right. So the first thing to know is seller paid closing costs, maximum is going to be 2% per underwriting guidelines. That 2% is based on your purchase price. Anything that you're paying points for is going to be on the loan balance, the loan size, so there's going to be a little extra there for you that can contribute or can pay for some other closing costs, right, depending on the numbers. Now, if you're smart enough, or lucky enough, or whatever, the market is viable enough that you can negotiate more than 2% from the seller to pay towards closing costs, you're going to be limited on what you can do on the loan side. But let's say that you go and you've negotiated 4% seller will pay 4% towards your closing costs. Then in that case, you can reduce, you got the two points that you're allowed per guideline. And then you can reduce the purchase price by the difference you don't want to leave that money on the table.   Keith Weinhold  14:15   That's how it's done. And then there's just simply having a higher credit score. What's the highest credit score that really helps you get the lowest mortgage rate for both primary residences and non owner occupied properties. Loan product   Caeli Ridge  14:29   type dependent. But I would say overall, 760 and above is kind of that threshold. There are products that go 780 maybe even on the rare occasion, 800 and above. If I had to pick a number as the absolute pinnacle, I'm going to go 780    Keith Weinhold  14:41   All right, so having a credit score above those thresholds really doesn't help get you a lower interest rate. It's really just a little flex that you've got an 811, credit score, or whatever it is. Now the two, one buy down. That's something that we used to see long ago. A few home builders are bringing it back. And what that does it allow? Homebuyers to pay a lower interest rate for the first two years with the seller covering the difference, and that allows the seller to get their price. They don't have to lower the price of the home at all. But the two one buy down, and you see that written, two, one that has been employed more recently. Tell us about that.    Caeli Ridge  15:18   Well, the builders are struggling in some cases, right? The affordability buzzword is all over the place. So they've had to get creative and find ways in which they can move their inventory. So I think they've done a good job at kind of shaving off some of their margins to satisfy or improve the terms for the consumer. So I like the two. One, if you can get it   Keith Weinhold  15:37   now, one can boost their DTI as well their debt to income ratio and Taylor. When we've talked about that before, we've usually talked about reducing your debts in order to improve your DTI. However, a lot of people don't think about the fact that, oh, well, you can increase your income that lowers your DTI to help you qualify. So tell us what is the max DTI that you can have   Caeli Ridge  16:00   maximum debt to income ratio, in most cases on a full dock loan is going to be 50% now, depending on the type of income that you earn or that you've demonstrated, how you calculate that can get a little bit tricky. But if you're just a straight w2 wage earner, we don't have, you know, commissions or bonuses or anything that we consider variable income, then you just take your gross income times 50% whatever that number is, all of your liabilities on the credit report, we do not count ordinary living expenses like food and gas and utilities and cell phone bills. It's the minimum payments on the credit report. As long as whatever that add up is fits within that 50% you're good to go.    Keith Weinhold  16:37   Now, when it comes to improving our DTI to get a lower mortgage rate, I tend to think it's easier to knock out some debts to improve your DTI. But what about the other side of it? What about increasing your income to improve your DTI, lower your mortgage rate and qualify? Can you talk about some of the strategies for increasing your income with respect to DTI?    Caeli Ridge  17:02   Absolutely. And the biggest one, I think that we probably want to focus on most is going to be on a schedule E, right? That's the one that you're going to have more control over. So when we talk about rental income and how we might be able to boost that first, it might be important to share that there are two ways in underwriting that we will calculate or quantify rental income. The first way is called the acquisition year formula. I'll give you that in just a second. It's very easy, but the way I think we focus on here, because acquisition year is going to be what it is, you're going to have very little ability to manipulate or change that once our rental properties fall on our tax return, specifically the Schedule E of a federal tax return, you as the taxpayer or the borrower are going to have some access to maximize or increase the income, or, let's actually get a little bit more granular there to maximize the gain or minimize the loss, by means of depreciation, maybe a cost seg, maybe we make sure that one time, extraordinary expenses are demonstrated on the tax return in the appropriate way so that underwriting can add those things back. So I know that this sounds technical, but the scheduling is the way that I would say is the easiest for an investor to maximize income, reduce debt to income ratio. And I will close by saying that ridge lending, I think one of our most valued value adds is the ability to help our clients look at their draft tax returns on an annual basis and present them with, Hey, listen, Mr. Jones, if you file this way, this draft tax return, if it files this way, this is what it means to your debt to income ratio. Here's my advice, right? We go into a lot of depth there with our clients.   Keith Weinhold  18:39   That is a smart, long term planning piece that most mortgage companies are not going to give you. They're not going to be forward looking, looking out for your next three years of growing your income property portfolio. And shortly, we'll talk about a way for you to qualify loans where you don't have to show tax returns or W twos or pay stubs. But while we're talking about how to get a lower mortgage rate and some creative ways to do that, I brought up, buy now, not later. And what do I mean by that? What I mean is say, properties appreciate even 3% over time. Buying now, I mean that is going to net you more equity if you buy now rather than waiting, than it would in the savings from a rate drop, when you look at the appreciation run up, however, if rates go up, then you get both the lower price and the lower rate by buying now, not later.   Caeli Ridge  19:32   And I would add to that, we have to remember that in addition to a very modest 3% in the home appreciation, we should be appreciating our rents at even a modest 2% a year, right? Depending on where you are, et cetera. I know that there's exceptions to the rule. And then finally, we got to add in that tax benefit, what you're going to get in your deductions, et cetera, et cetera.   Keith Weinhold  19:51   Yeah, great point. Well, I brought up seven ways that you can get a lower mortgage rate. Can you share a few more with us? Some common ones? Because I know. That almost everyone that calls in there wants to inquire about mortgage rate as well.    Caeli Ridge  20:03   Everybody wants, yep, everybody wants to talk about the rate, despite my vervet opposition to say, do the math. Do the math. Do the math. You know, the easiest one there would be buying down the rate. I'm going to try and formulate an example. Let's say you've got a really high wage earner and in the thick of their earning years, and they're trying to prepare for retirement down the road. It's a longer term burn. They desperately need tax deductions, and the deal that they're looking at, yeah, it's okay, but they want some extra expenses on the Schedule E, maybe they buy the rate down by three even 4% because points on an investment loan transaction are tax deductible, so that might be something, and they obviously benefit from the lower interest rate. Now I may push back on this, and I think again, I know I sound like a broken record here, but we really need to do the math. What are we getting versus what are we giving up to get a 6% or five and a half percent interest rate? What does that mean in real, tangible cost, and what's that? Break even? It's actually a fairly simple calculation. When you just divide the difference in what you're getting versus what you're paying for, and that'll give you the number of months that it takes to recapture the incentive versus the expense. But that would be the easiest one. Keith, I would say buying down points, using paying additional points to get that lower interest rate,   Keith Weinhold  21:20   buying down your rate. It could feel good in the short term, but it's often not the best long term or even intermediate term move when you do the math, as you always like to say, well, you the listener here, you know that you can qualify for mortgage loans, for rental properties without needing a w2 without needing a pay stub and without even needing to show tax returns, because you need all those things for a conventional loan, but for a DSCR loan, debt service coverage ratio, you don't. So talk to us about the pros and cons of a DSCR loan versus a conventional   Caeli Ridge  21:53   loan. Okay? And I've got a hook here too, because I think the listeners are gonna be very, very pleased to hear at the end of this statement, what's happening with DSCR in conjunction or comparison, rather to the conventional so DSCR everybody means debt service, coverage ratio. It's a very simple formula. We are going to take the gross rents and divide it by the principal and interest and taxes and insurance and association. If it applies, that's it.   Keith Weinhold  22:18   $1,000 in gross rents, $800 in p i, t i, that yields a DSCR of 1.25 Correct?   Caeli Ridge  22:25   Yes, you're absolutely right. The one that I use as I, just to keep it simple, is 1000 rents, 1000 piti. That's a 1.0 right? As long as the gross rents are equal or greater than the p i, t i, you're going to be in a position to get the more favorable rates. Now that's not to say that we can't go below a 1.0 ratio. You can actually have a property, we have products that will allow the DSCR to be a point seven five. That would mean, in this scenario, if you had rents, gross rents of 750, and the piti was 1000 you can actually get that loan done. That is allowed. The rate gets a little bit hairy. So more often than not, we're at the 1.0 and above. So this is just a really great way for investors who are either recently self employed, maybe they're adjusted gross, they just write everything off for reasons that you can imagine. Why? Right? They don't want to pay the taxes. It could be 100 different reasons. The DSCR option is such a great solution to provide a 30 year fixed mortgage same same similar leverage, if not sometimes even better than a Fannie Freddie, than a conventional loan, you can usually leverage a little bit more, in some cases, on a DSCR like a two to four, for example, two to four unit residential property, Fannie Freddie, they kind of cut those loan to values a little bit, and the DSCR loans don't care about that. So you can get the same leverage as a single family would in a DSCR. The only other primary difference is these DSCR loans are going to come with prepayment penalties. Typically, the standard is about three years, but we're usually not refinancing in the first 36 months. Anyway, if you know that that's applicable to you, then you'd have to buy the prepay down or out, which you can do otherwise. DSCR is amazing. Oh, and I'll give you the little hook here. So something I have observed this is maybe very recent 4550 ish days, the margin for interest rate difference between conventional and DSCR is really starting to narrow. DSCR products are really performing well, and that interest rate improvements that we've been seeing for those products is not far off from what the Fannie Freddie's are, and I've even seen examples where DSCR beats a 30 year fixed Fannie Freddie rate. Now those are for the higher loan amounts. I can explain if you want, but otherwise, that's good news.   Keith Weinhold  24:36   Okay, this is really good news. It's a time in the cycle where dscrs could very well make sense for you without that huge documentation Shakedown that you need with W twos and pay stubs and everything else. There are a lot of nascent trends in the mortgage industry, and we're trying to separate some of them from being rumors, from being something that can truly happen. We're talking about 50 year mortgages and poor. Affordable mortgages. More on that. When we come back, you're listening to get rich education. Our guest is Ridge lending Group President, Chaley Ridge   Keith Weinhold  25:07   You know, most people think they're playing it safe with their liquid money, but they're actually losing savings accounts and bonds don't keep up when true inflation eats six or 7% of your wealth. Every single year, I invest my liquidity with FFI freedom family investments in their flagship program. Why fixed 10 to 12% returns have been predictable and paid quarterly. There's real world security backed by needs based real estate like affordable housing, Senior Living and health care. Ask about the freedom flagship program. When you speak to a freedom coach there, and that's just one part of their family of products, they've got workshops, webinars and seminars designed to educate you before you invest, start with as little as 25k and finally, get your money working as hard as you do. Get started at Freedom family investments.com/gre, or send a text now it's 1-937-795-8989, yep, text their freedom. Coach, directly, again. 1-937-795-8989,   Keith Weinhold  26:18   The same place where I get my own mortgage loans is where you can get yours. Ridge lending group and MLS, 42056, they provided our listeners with more loans than anyone because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage, start your pre qual and even chat with President Chaley Ridge personally, while it's on your mind, start at Ridge lending group.com, that's Ridge lending group.com   Dana Dunford  26:50   this is hemlanes co founder, Dana Dunford. Listen to get rich education with Keith Weinhold, and don't quit your Daydream.    Keith Weinhold  26:58   welcome back to get rich education. We're talking with Ridge lending Group President and Founder, Chaley Ridge about how you can get lower mortgage rates, and also about some trends in the industry, separating what's really a rumor in what could really happen squaring on 50 year mortgages and portable mortgages, those are both things only being discussed by the administration to help with affordability. FHFA Director Bill Pulte created some jarring news recently when he publicized this. What are your thoughts on the 50 year mortgage?    Caeli Ridge  27:39   You know, on a primary residence basis, I'm not so sure I need to maybe put some more thought into that. But for an investment property, I love it. Man, anything to keep that payment down so that, because, remember, we talked about earlier in the show here the percentage of mortgages, let's just use our 30 year fixed for a second that for a rental property that start on day one and then stroke a check 360 times later to pay that to zero. Is a fraction of a percent right? We are refinancing these things. We are selling them and doing 1031 exchanges. So anything that can keep my cash flow higher and my payment lower, I am all for it. Now, the people that push back and say, Well, I want to pay off my mortgage in 15 years. I don't want to pay extra interest, you are welcome to do that. So there's a second piece to this that I think is equally as important as maximizing cash flow, and that is your qualification. All right, if this comes to pass, and right now, it could just be noise, okay, and I'm speaking specifically for investment property, but if this is available to us, the debt to income ratio component, because think about it like this. So I'm going to keep using my 15 year and my 30 year, because that's kind of what we understand. The payment difference between a 30 year 360 month and a 15 year 180 month can be substantial depending on the loan size. I mean, it can be hundreds and hundreds of dollars for the individual that is dead set and say, I don't want to pay the higher interest. I want to pay these things off. We may have arguments about that whole strategy to begin with, but overall, if they still want to do that and that's their decision, Fine, take the 30 year fixed payment. Take the 30 year fixed mortgage. Apply the difference. You can figure out that payment difference very easily. Apply it religiously. Every month. You will cross the finish line in about 15.4 years. Download an amortization calculator online. You can find them everywhere. Plug in your numbers, and you'll see what I'm talking about. If you were to do this, let's say the difference is 200 bucks a month, and you send it in every month with your 30 year fixed mortgage payment, you will cross the finish line to pay that thing off in about 15.4 years. So yes, you'll pay a few extra months of interest. But what have you done to your qualifications, right, your payment now on your debt to income ratio, when we're looking at this thing for a future optimization, never take the shorter term amortization, ever, ever, ever, you won't pay the higher interest that the 30 year or the 50 Year will probably come with because you've accelerated the payoff so long, if that's your choice. Now for everybody else that really wants. To maximize that cash flow. And they get that, they're going to be refinancing this every five, six, whatever it is, years take it, man, I am all for the longer term amortization on a rental.   Keith Weinhold  30:10   I agree with you. I even like the 50 year on a primary residence, but yeah, Chaley, right here on the show, several weeks before Bill Pulte made the announcement, I actually talked about the 50 year mortgage and compared it to the 30 and the reasons that I like it because I knew there was a chance it could be coming, since this administration is trying to do so much to help out with affordability, people buy based on a payment, not a price that lowers the payment. A 50 year mortgage helps you benefit from inflation, and there are a lot of other advantages that have to do with that, although you probably are going to pay a higher interest rate on a 50 than you would a 30. And you know, Chaley, when the 30 year mortgage had its Advent just after World War Two, I'm going to guess 75 years ago, people were having this same conversation like, oh, 30 years, my gosh, you're never going to pay off the home. And really, that's not what it's about.    Caeli Ridge  31:01   Not at all, not at all. And remember, you guys, I would encourage everybody listening to this to actually go get that amortization table and see how much interest is baked in and how it is applied and paid. It is the back end of any of these amortized mortgages where the principal actually starts to get applied in a meaningful way. The 50 year mortgage, or the longer term amortization is a huge advantage. I'm speaking for investors. Mostly. I love it.   Keith Weinhold  31:26   Some people say, are you nuts? Look at how much more interest you're paying over the life of the loan on a 50 year mortgage versus a 30 year mortgage. We already touched on that you're not going to keep that loan for the life of it, and if you just take the difference from the lower payment that a 50 Year gives you, and invest that in 8% return, you are going to crush 2x to 3x oftentimes, what the paltry interest savings are over several decades,    Caeli Ridge  31:26   and somebody else is making that payment right. We have tenants that are responsible   Keith Weinhold  31:47    100% and then there's something that I don't know if portable mortgages would fly. And what this means is that when borrowers move, they could keep the rate, keep their term and keep their lender, presumably for the new home you might have seen it in the news. You the listener that Fannie May remove the minimum credit score requirements from desktop underwriting. And Chaley, I think you let me know elsewhere that those changes don't affect non owner occupied, but of course, it could affect the broader housing market in pricing. What are your thoughts about lowering the credit score requirement   Caeli Ridge  32:28   so similar to the portable stuff, until it really reaches mainstream and it affects the non owner occupied I'm not deep diving into those things. The basis of it, though, is, is that, yeah, they're removing that minimum credit score requirement from a du underwrite that stands for desktop underwriter, as you said, that is Fannie Mae's sophisticated, automated underwriting system, and I think it's just going to give more eligibility to lower income households and people trying to become homeowners that have found the barrier for entry very restrictive because They have credit issues.    Keith Weinhold  33:00   Well, let's talk about FHA and VA loans, something that we have rarely, if ever touched on. Our listeners know that I started out making my first ever property of any kind, an FHA loan with three and a half percent down on a fourplex, living in one unit, renting out the other three. Tell us about some trends there in FHA and VA loans   Caeli Ridge  33:21   we actually just did house hack campaign. We did a webinar on it, co living, all those different ways in which, you know, the younger generation, especially, and this is true for anyone. I don't want to pigeonhole it, can get themselves into home ownership and propel them into the real estate investing as an asset class. I am such a big fan of this model, in this strategy, for anybody that's interested and willing to kind of coal mingle or habitat, like you did a four Plex at three and a half percent down, you've got three tenants that are making your mortgage payment. VA, likewise, any of the Gubby loans, which include VA, FHA, USDA, you can get high, high leverage and up to four units. So I'm a huge fan of that. And then the CO living is another thing that I think is not quite mainstream, but I think it's gaining steam    Keith Weinhold  34:09   for those that don't know what we're talking about, you can use an FHA loan with a three and a half percent down payment, as long as you live in one of the units, your credit score can even be pretty low, and you can do that with a single family home, duplex, triplex or fourplex. You can get those same benefits with a VA loan and zero down   Caeli Ridge  34:29   USDA also zero down if you're in the right zip code. How does one qualify for a USDA loan? You know, there's a website I would have you check out. We don't do a ton of those. We have the ability, of course, but there's income restrictions and all of this. They've got, actually, a pretty slick website where you can go online, type in the zip code, make sure it's in a rural area, what your income is. There's all these inputs, and it'll tell you if you'd be a candidate for it. But yeah, it's good. Rates zero down. I like the product.   Keith Weinhold  34:56   Well, there have been a lot of newsy items when it comes. Comes to mortgages. Caeli and I think we should drop back before we're done here and talk about the basics. Just basically, what does it take to get a non owner occupied loan for residential income property?   Caeli Ridge  35:12   You know, there's so many options for investors today that I would say that if you have access to and even with what we just said, house hack. I mean, listen, if you've got 3% down, three and a half percent down, you can probably assure yourself you can get into a property. And if you can't qualify from a income debt to income ratio perspective, you've got three or four other models, which include DSCR, bank statement loans, asset depletion loans, overall, I would say that this is an individual conversation. Chances are you could probably qualify today, and if you can't, one of the things that I love about Ridge lending is, is that we're going to help you plant the seeds and show you how to qualify. If it takes you three months or six months or a year, that's what we do.   Keith Weinhold  35:56   Yeah, we've definitely noticed the difference here and that you do help that investor with long term planning? I do my own loans at ridge, and my assistant here at GRE she recently got the ball rolling with you in there at Ridge as well.   Caeli Ridge  36:11   Brenda, yes, yes, that was fantastic. We are very looking forward to helping her.   Keith Weinhold  36:16   Well, you know, chili, I've come here with a lot of questions that I had. What's the question No one's asking you, but you wish that they would.   Caeli Ridge  36:25   I think it probably would be for me, planning. You know, we get a lot of questions about interest rates. That's kind of top of mind for everybody. More about planning, having people that are interested in real estate as an asset class and an investment have the conversations to say, this is where I'm at today. This is where I'd like to be in five years. Tell me how to get there, and we can have those high level conversations that really sort of reverse engineer it and say, Okay, this is where you stand today from an underwriting perspective. This is where you need to be, and here's how we're going to get you there. It's always about planting seeds and creating those roadmaps, as I like to say so I would say that that would be top of my list.   Keith Weinhold  37:02   That's exactly what you do in there, and that's really what sets you apart. Well, remind our audience how they can get a hold of ridge.   Caeli Ridge  37:11   Yes, there's a couple ways. Of course, our website, Ridge lending group.com Please email us info at Ridge lending group.com and then call us toll free. 855-747-4343, 855-74-RIDGE  is an easy way to remember.   Keith Weinhold  37:25   It's really been valuable this time. Chaley, thanks so much for coming back onto the show.   Caeli Ridge  37:29    Appreciate you. Keith.   Keith Weinhold  37:36   Oh yeah, good pointed info from Chaley over at Ridge, I think that the important things for you to remember from our conversation is that, gosh, isn't it so glaring like in your face that you have options. All these options when you engage with a lender, you're going to learn that there are probably loan programs that you've never even heard of, some that you might fit into and even if you aren't adding more property, if you're not in that phase, there are ways that you can take your existing loans and consolidate them or refinance them, or use them to produce a tax free windfall for yourself and the US is often the envy of other world nations with the flexibility that we have here in our mortgage market. I've never known anyone that does this better than Chaley and her team. I mean, they are real difference makers. If you learn something on today's show, hey, Don't hoard the good stuff. Engage in the nicest kind of wealth redistribution. Tap the Share button right now and share this on social, or text this episode to one friend who'd appreciate it. That would mean the world to me. I'm your host. Keith Weinhold, don't quit your Daydream.   Speaker 2  38:57   Nothing on this show should be considered specific personal or professional advice, please consult an appropriate tax, legal, real estate, financial or business professional for individualized advice. Opinions of guests are their own. Information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of get rich Education LLC, exclusively   Keith Weinhold  39:25   The preceding program was brought to you by your home for wealth building, getricheducation.com  

Doc McClintock is a folk singer-songwriter born and raised in Roanoke, Virginia. Her songwriting is deeply influenced by her experience living on the fringes of rural Appalachia with a focus on addiction, loss, queerness and working class struggle. She ignites a fusion of rowdy traditional Appalachian string music and introspective folk.  Novembers theme is reflecting on the idea of home and how we connect to our communities.This episode of Appalachian vibes was recorded in front of a live audience November 3rd 2025 at 3rd street coffeehouse in Roanoke, Virginia,  Song title "A Place to Rest" Learn more about Doc at https://www.instagram.com/doc_mcclintock/?hl=enAppalachian Vibes Radio Show from WNCW is listener nominated, you can nominate an artist by emailing Amanda at appalachianvibes@gmail.com. Appalachian Vibes Radio Show is created and produced by Amanda Bocchi, a neo soul singer-songwriter, multi instrumentalist and journalist hailing from the Appalachian Mountains of Virginia.

App State Basketball rallied from an early deficit but was unable to get over the hump, falling at UNC Asheville 67-55 on Sunday. Listen back to the highlights and analysis as well as postgame interviews with Dustin Kerns and Michael Marcus Jr.

More DANGERS from the APPALACHIAN TRAIL with Steve StocktonBecome a supporter of this podcast: https://www.spreaker.com/podcast/missing-persons-mysteries--5624803/support.

Lesser-Known Cryptids of the United States Part 4 - You thought the map was complete? Think again. 100 MONSTERS! After chronicling 75 hidden creatures, we dug up the another 25 toowards the ultimate, definitive guide to America's bizarre folklore. This is the deepest, darkest dive we've ever attempted. Welcome to PART 4, where the legends are the most chilling, the most obscure, and the most dangerous. We're moving past blurry photos to investigate: The Boo Hag: A terrifying skinless witch from the South who climbs out of her skin at night to ride her victims, stealing their breath (the ultimate sleep paralysis monster). The Not-Deer: The creature of the Uncanny Valley—it looks like a deer, but everything about it is fundamentally wrong, inspiring primal panic. The Mog-ur: The massive, saber-toothed monster of Seneca legend, a living relic from the Ice Age. The Dwayyo: The werewolf-like beast of Maryland that fought a secret, ancient war with the Snallygaster. Join us as we shine a light on the hidden corners of the US—from the bayous of Louisiana to the high peaks of the Appalachian range. Which one is the creepiest? We covered 100 creatures total—did we miss YOUR obscure state legend?Become a supporter of this podcast: https://www.spreaker.com/podcast/missing-persons-mysteries--5624803/support.

App State Football drops its season finale in a heartbreaker, falling 30-29 to Arkansas State. Our radio crew recaps the game and puts a bow on the season, plus game highlights and interviews with Dowell Loggains and David Larkins.

# The Botanical Banter Podcast: Gardening Insights with Rita and Ron Step into the world of gardening wisdom as Rita Heikenfeld, an Appalachian herbal scholar and media personality, joins host Ron Wilson for a delightful conversation about seasonal gardening and cooking. From transforming holiday leftovers into gourmet salads to discovering the surprising year-round benefits of holiday spices like cinnamon and ginger, this episode offers practical advice for both your garden and kitchen. The conversation blooms with insights about growing and cooking collard greens, storing Jerusalem artichokes, and the surprising health benefits of common holiday spices that do more than just flavor your food. Rita shares her expertise on how these aromatic additions can boost your mood and support your immune system throughout the year. Later, arborist Ron Rothhaas joins to tackle tree care questions, offering expert advice on ash tree regrowth after emerald ash borer damage, selecting the best street trees, and why winter is the ideal time for oak tree pruning. The episode wraps with a weather forecast that has gardeners preparing for potential winter storms. ## Timestamps:04:13 - Rita's recipe for collard greens with "pot liquor"07:32 - Jerusalem artichoke storage tips09:15 - Leftover turkey Cobb salad recipe12:30 - Holiday spices with year-round benefits14:25 - Cinnamon varieties and health benefits16:20 - Ginger's anti-inflammatory properties27:45 - Ash tree regrowth after emerald ash borer31:35 - Best trees for street planting34:20 - Winter oak tree pruning benefits38:30 - Winter weather forecast for gardeners Whether you're looking to make the most of your holiday leftovers, understand the medicinal properties of your spice rack, or prepare your trees for winter, this episode delivers practical knowledge you can use immediately in both your garden and kitchen. Subscribe now for more seasonal gardening wisdom!See omnystudio.com/listener for privacy information.

# Dive into the Garden: A Seasonal Chat with Herbal Expert Rita Nader HikenfeldAre you ready for a cozy, informative chat about seasonal herbs, holiday spices, and post-Thanksgiving culinary delights? Join host Ron Wilson and special guest Rita Nader Hikenfeld, an award-winning Appalachian herbal scholar and media personality, as they explore everything from collard greens to holiday spices with surprising health benefits.This episode takes you on a journey through winter gardening wisdom and festive cooking tips that will transform your holiday leftovers and boost your mood with aromatic spices that have been cherished for centuries.## Timestamps and Key Takeaways:**2:15** - Rita shares her secrets for cooking collard and mustard greens the traditional way, with ham bones and red pepper flakes for a hearty winter dish**4:30** - Jerusalem artichokes storage tips: treat them like potatoes but use within a month for best results**5:45** - Post-Thanksgiving leftover recipe: Transform your turkey or ham into a gourmet Cobb salad with two dressing options including Nell's famous blue cheese dressing**10:20** - Holiday spices with year-round benefits:- Cinnamon: Supports blood sugar balance and boosts immunity- Ginger: Aids digestion and reduces inflammation- Cloves: Soothes toothaches and enhances immunity**13:45** - Tips for storing and testing spices for maximum flavor and health benefitsWant to learn more about traditional cooking methods, how to repurpose holiday leftovers, or the surprising health benefits of your favorite seasonal spices? This episode is packed with practical wisdom that connects ancient traditions with modern wellness. Visit abouteating.com for more of Rita's recipes and herbal knowledge!Listen now and discover how these seasonal ingredients can transform your holiday cooking while supporting your health all year long.See omnystudio.com/listener for privacy information.

In this chilling Bigfoot Society episode, a Pennsylvania witness comes forward with a life-changing encounter deep in the woods near Alden Reservoir, Tomko Road, and Davis Street in the Scranton–Wilkes-Barre area. Frank recounts the unforgettable night he and his friends were camping at a spot they simply called “The Spot.” What began as a normal weekend in the Northeastern Pennsylvania mountains quickly turned terrifying when they experienced strange sounds, trees pulled across trails, and an encounter with something far larger—and far more intelligent—than anything they expected.Frank shares the exact locations tied to his experience, including Witkis Villa, Holly Street, and the surrounding ridgelines and creek areas. He also reveals unsettling local lore about mysterious small creatures said to inhabit the woods, and the disturbing reaction of longtime mountain residents when he accidentally spoke an unfamiliar word linked to these legends.If you're interested in real Sasquatch encounters, Bigfoot sightings in Pennsylvania, Appalachian creature stories, or unexplained wilderness phenomena, this episode dives deep into a firsthand account that still haunts the witness decades later.

Ep145 Organic? Treatment-Free? Chemical-Free? Natural Beekeeping Terms Explained in this ABJ article Ever get confused by all the "natural beekeeping" terms floating around? In this episode I'm discussing an article (Oct 2023 ABJ) that breaks down three approaches that sound similar but are actually pretty different: organic beekeeping, treatment-free beekeeping, and chemical-free beekeeping. They're NOT interchangeable, and understanding the differences might change how you think about managing your hives. Whether you're curious about going more natural with your bees or you just want to know what other beekeepers are talking about when they describe their approach. Handy for new beekeepers trying to figure out their philosophy and seasoned beeks who want to geek out on the fine print of management styles. Article used with permission of American Bee Journal. Want to say thanks to ABJ for allowing these episodes from their archives? Grab a subscription and get access to years and years of bee magazines! One year digital only, with archive access: 21.00. One year print (with access to the archives) Links I mentioned I'd share with everyone—It's Thanksgiving after all! If for any reason these links don't work in your podcast app, you can view them in your web browser here: https://www.patreon.com/posts/144457183 Free At Home Beekeeping Series from Alabama Extension Direct link to Julia Mahood's presentation on recordkeeping (available only til Dec 2 it says) on the Alabama Extension Facebook page. SBGMI Virtual Winter Conference 2026 Certified Naturally Grown apiary standards in handbook form : Whether or not you get certified, this is a top notch collection of 'best practices' imo. Ran across this just today! "Get 40% off a year long subscription to BEE CULTURE MAGAZINE" (limited time offer; this is their fine print below) Valid on online orders only through https://simplecirc.com/subscribe/bee-culture Once on this page, click the 1-Year Print Only Option. Then click the 'Apply Promo Code' (BLUE line of text on the right hand side of screen.) Next, enter code SOC40 and click 'Apply code'. Valid 6PM EST November 26 through 11:59PM December 1, 2025. For U.S. subscriptions only. New subscriptions will begin with the February 2026 issue. If you want to get links like those every time I release an episode, join as a patron! You are warmly invited to become a Friend of Five Apple on Patreon to join the folks who make the podcasts possible, who keep the archives available and who keep it all advertising-free. https://www.patreon.com/fiveapple In addition to huge gratitude, you get: Detailed show notes with links, tips, comments Access to Patreon blog posts including tips and videos Occasional bonus podcasts and early access episodes Commenting on posts (and DMs) allows me to answer questions Input on the podcast topics Shout-outs on the show because I appreciate you!  If you can support the show with $3 a month or more, please sign up today: https://www.patreon.com/fiveapple About Beekeeping at FiveApple: Leigh keeps bees in the Blue Ridge Mountains of North Carolina (gardening zone 6b). She cares for around a dozen hives in a rural Appalachian highland climate. Colonies are managed for bee health with active selection for vigor, genetic diversity and disease resistance, but without chemical treatments for fifteen years. The apiary is self-sustaining (not needing to buy/catch replacement bees since 2010) and produces honey and nucs most every year. 

Today, we take a closer look at the eerie mysteries surrounding the Appalachian region. We'll talk about the disappearance of Dennis Martin, Magnetic Frequencies in Appalachia, the Bell Witch Haunting, and other interesting topics... Welcome to Camp!

Listener emails in and tells us an amazing tale on the Appalachian trail of seeing his life through doorway however it's not this life it's a life filled with different choices. Come on this fantastic journey tune in!

Welcome to The Weekly, produced by TAB Media Group, which publishes The Alabama Baptist and The Baptist Paper. Each episode features news headlines read by TAB Media Group staff and volunteers. New episodes are released weekly on Wednesday mornings. Johnny Dunbar, the 69-year-old pastor of Heritage Hope Church of God in Somerset, Kentucky, is gaining popularity on the internet as the Appalachian PawPaw after a TikTok by Nikalie Monroe went viral. Heritage Hope was one of ten houses of worship that responded with an immediate offer to help when Nikalie gave them a call. Johnny invited Nikalie as a guest in his church recently. We found a report that shared all sides of the story from Taylor Alesia on YouTube. You can find that video, and her channel, here. Visit TAB Media HERE Subscribe on iTunes HERE

The final football show of 2025 from Ale House features head coach Dowell Loggains, CB Emory Floyd and WR Sam Mbake.

Happy Thanksgiving, App State family! Bret and Adam discuss the latest news on the mountain, get you set for the football regular season finale and visit with defensive end Caleb Sandstrom. #DSOTDP

Despite leading by as much as 13 points in the opening half, App State Basketball dropped a road matchup at Mercer 75-68 on Wednesday. Listen back to the highlights and analysis as well as the postgame thoughts of head coach Dustin Kerns.

50 Strange and Weird Legends from the Appalachian TrailBecome a supporter of this podcast: https://www.spreaker.com/podcast/missing-persons-mysteries--5624803/support.

A species of (presumably) extinct bird, the Proboscis Bird of West Virginia once roamed the wild swamps of Cranberry Glade. Sightless, their loud, nasal-y vocalizations populated the night, as well as their beyond unpleasant smells.Follow this recovered field study investigation to learn more about an obscure cryptid vulture. What is the true story of the Proboscis Bird?Guest narration by Agent Roman.Send the BCWPA a message!Support the showDo you have information, feedback, or a question? Submit a report.Grab a cryptid study, visit the Ballyraven store.

Welcome to Monsters on the Edge, a show exploring creatures at the edge of our reality in forests, cities, skies, and waters. We examine these creatures and talk to the researchers studying them.Randy Hutchings, author of Bear Mountain Bigfoot, has been a dedicated paranormal and Bigfoot field investigator since the late 1990s, exploring the deep hollows and rugged forests of Tennessee's Southern Cumberland Plateau in search of answers to some of the region's oldest mysteries. A lifelong outdoorsman, Hutchings combines his love for hiking, camping, and backcountry exploration with a passion for documenting unexplained phenomena and local folklore. His work bridges the gap between field investigation and storytelling, preserving eyewitness accounts and regional legends that keep the mystery of Bigfoot—and other Appalachian enigmas—alive for future generationsFortean TN YouTube Channelhttps://www.youtube.com/@ForteanTN/videosFortean TN Facebookhttps://www.facebook.com/ForteanTN?ref=hlTennessee Cryptid CampOuthttps://www.eventbrite.com/e/tennessee-cryptid-campout-tickets-1367516451519?aff=oddtdtcreatorBear Mountain Bigfoothttps://www.amazon.in/Bear-Mountain-Bigfoot-Sasquatch-Cumberland-ebook/dp/B0FW8VH7FJTennessee Pygmy: Legend or Reality?https://www.amazon.com/Tennessee-Pygmy-Reality-Randy-Hutchings/dp/B0G2GRGVDZ/ref=sr_1_1Click that play button, and let's unravel the mysteries of the UNTOLD! Remember to like, share, and subscribe to our channel to stay updated on all the latest discoveries and adventures. See you there!Join Barnaby Jones each Monday on the Untold Radio Network Live at 12pm Central – 10am Pacific and 1pm Eastern. Come and Join the live discussion next week. Please subscribe.We have ten different Professional Podcasts on all the things you like. New favorite shows drop each day only on the UNTOLD RADIO NETWORKTo find out more about Barnaby Jones and his team, (Cryptids, Anomalies, and the Paranormal Society) visit their website www.WisconsinCAPS.comMake sure you share and Subscribe to the CAPS YouTube Channel as wellhttps://www.youtube.com/channel/UCs7ifB9Ur7x2C3VqTzVmjNQ

EPISODE 636 - Gil Merrick - Haunted Victory, Come September, Olympics and HorsesBorn in Shaker Heights, Ohio, Gil Merrick attended Hiram College, earning a BA in International Finance and German. Upon completing his MBA at Cleveland State University, he began a forty-year career managing companies throughout the U.S., Europe, and Asia. An avid horseman with credits as Team Leader for the U.S. Equestrian Federation at the 2007 Pan American Games and the 2008 Olympic Games, he now devotes himself full-time to writing in South Florida.​Book: Haunted Victory: Healing From Childhood Sexual Abuse and the Decades of Addiction That Followed - A small and effeminate boy—bullied for years while growing up in an alcoholic family in suburban Cleveland—Gil finds refuge in the equestrian world. A coach instills in him the dream of going to the Olympics and becomes his mentor, his guide—and his predator.Gil survives rape, betrayals, setbacks, and the loss of family and friends—all while on a quest to fulfill his dream. This book is not only about surviving; it's about the resilience of the human spirit and the pursuit of dreams against all odds. Gil makes it to the Olympics, but not in the way he imagined. He discovers what happens when a dream ends, and all you have left are your addictions.What does it take to finally realize that our lives can't go on as they are? How do we put an end to our self-destructive ways? Is it even possible to grasp the complexities of untreated and unrealized trauma? How do we come to terms with the cost of the abuse we suffered?Gil tells his story with a breadth of detail and thought-provoking insights rarely shared by male victims of sexual abuse. Readers will find a story of hope, determination, and the transformative power of confronting one's past.Book: A small and effeminate boy—bullied for years while growing up in an alcoholic family in suburban Cleveland—Gil finds refuge in the equestrian world. A coach instills in him the dream of going to the Olympics and becomes his mentor, his guide—and his predator.What does it take to finally realize that our lives can't go on as they are? How do we put an end to our self-destructive ways? Is it even possible to grasp the complexities of untreated and unrealized trauma? How do we come to terms with the cost of the abuse we suffered?Gil tells his story with a breadth of detail and thought-provoking insights rarely shared by male victims of sexual abuse. Readers will find a story of hope, determination, and the transformative power of confronting one's past.Book: Come September - Ryan Jackson is a shy, scrappy teenager from a poor Appalachian town. Kip Reynolds is a talented high school polo player from a wealthy family living in the suburbs of Detroit. Sharp and stunning, Claudia Kinzler wins the admiration of both young men before her world is shattered by her father's death in the 9/11 World Trade Center attacks.With unforgettable characters and emotionally charged storytelling, this novel explores what binds us and what breaks us, the power of strength and perseverance, and how truth and forgiveness can be the key to reconciling the pain of our past and building a new life.https://www.gilmerrick.com/Support the show___https://livingthenextchapter.com/podcast produced by: https://truemediasolutions.ca/Coffee Refills are always appreciated, refill Dave's cup here, and thanks!https://buymeacoffee.com/truemediaca

App State fell to Elon 88-53 at home on Monday. Take a listen back to the highlights and analysis and hear the postgame thoughts of head coach Dustin Kerns.

Host Melinda Marsalis talks with Diane Holman about the amazing work that she and her team do every Christmas at Together For Tippah sponsoring children and families across Tippah County. Welcome to HEARD IT ON THE SHARK with your show host Melinda Marsalis and show sponsor, Mississippi Hills National Heritage Area.  HEARD IT ON THE SHARK is a weekly interview show that airs every Tuesday at 11 am on the shark 102.3 FM radio station based in Ripley, MS and then is released as a podcast on all the major podcast platforms.  You'll hear interviews with the movers and shakers in north Mississippi who are making things happen.  Melinda talks with entrepreneurs, leaders of business, medicine, education, and the people behind all the amazing things happening in north Mississippi.  When people ask you how did you know about that, you'll say, “I HEARD IT ON THE SHARK!”  HEARD IT ON THE SHARK is brought to you by the Mississippi Hills National Heritage area.  We want you to get out and discover the historic, cultural, natural, scenic and recreational treasures of the Mississippi Hills right in your backyard.  And of course we want you to take the shark 102.3 FM along for the ride.     Bounded by I-55 to the west and Highway 14 to the south, the Mississippi Hills National Heritage Area,  created by the United States Congress in 2009 represents a distinctive cultural landscape shaped by the dynamic intersection of Appalachian and Delta cultures, an intersection which has produced a powerful concentration of national cultural icons from the King of Rock'n'Roll Elvis Presley, First Lady of Country Music Tammy Wynette, blues legend Howlin' Wolf, Civil Rights icons Ida B. Wells-Barnett and James Meredith, America's favorite playwright Tennessee Williams, and Nobel-Laureate William Faulkner. The stories of the Mississippi Hills are many and powerful, from music and literature, to Native American and African American heritage, to the Civil War.  The Mississippi Hills National Heritage Area supports the local institutions that preserve and share North Mississippi's rich history. Begin your discovery of the historic, cultural, natural, scenic, and recreational treasures of the Mississippi Hills by visiting the Mississippi Hills National Heritage Area online at mississippihills.org.   Musical Credit to:  Garry Burnside - Guitar; Buddy Grisham - Guitar; Mike King - Drums/Percussion     All content is copyright 2021 Sun Bear Studio Ripley MS LLC all rights reserved.  No portion of this podcast may be rebroadcast or used for any other purpose without express written consent of Sun Bear Studio Ripley MS LLC      

AGT, CNN, The ViewLots of Great Stuff Happening for Landau, International Travel, New Music, Family & Fatherhood! Landau Eugene Murphy Jr. first burst onto the national conscience as the Sinatra-and-Soul singing  on NBC TV's “America's Got Talent with his incredible voice, undeniable charisma and unparalleled showmanship.  And a decade later, he's still going strong.Seeing Landau in concert is a revelation; backed by the dynamic Landau Big Band, you'll always hear swinging arrangements of Great American Songbook classics from Frank Sinatra, Dean Martin, Nat ‘King' Cole and many more, along with a dusting of that special Motown Magic that is sure to move your feet and make you sing along.And after the show, every show, you'll always have the opportunity to meet Landau one-on-one for photos and have the chance to talk with him about his incredible rags-to-riches story.  “It's my favorite part of the night; it's something we always do. Sometimes I'm the last one at the venue, talking to fans and friends. The janitor is waiting on me to lock up!”Landau was born into extreme poverty in the Appalachian coalfields of southern West Virginia. His parents split while he was in elementary school, and Landau was shipped off to Detroit in the middle of the night. He woke up in the Motor Cities notoriously gang and drug-riddled “7 Mile” neighborhood. Landau likes to say that he went from Almost Heaven to Little Baghdad overnight!“I loved to play basketball in Detroit, and these guys were good. Some of them went onto the NBA. But we were in the hood; it wasn't anything to see guns drawn on the court after the game, so to keep people cool and laughing, when I'd dunk on someone, I'd sing a Frank Sinatra song like “Fly Me To The Moon” and everyone would laugh and put their guns away.”At the end of his rope, Landau tied a knot and pulled himself back up by auditioning for NBC TV's “America's Got Talent” with thousands of others. After months of competition, Landau emerged the winner, scoring a million dollars, a recording contract, and America's hearts, and he's never looked back.Landau's Columbia Records debut album “That's Life” reached number one on the Billboard Jazz Charts and was followed by “Christmas Made For Two”, “Landau” and his latest “Landau Live In Las Vegas” recorded during a performance at the legendary Caesar's Palace.  Landau has made dozens of TV appearances including “The Today Show”, “The View”, CNN, “Fox and Friends”, “The Talk”, the Macy's Thanksgiving Day Parade, and the Hollywood Christmas Parade.He's helped raise millions of dollars for charities, many in his home state of West Virginia where he serves on the Board of Directors for the Children's Home Society of West Virginia and was named “West Virginian of the Year” by the Governor's office and the state's largest newspaper.I Landau proudly released LANDAU LIVE IN LAS VEGAS a pre-pandemic recording at Caesars Palace that includes several never-before-released tracks. Enjoy Landau's unique take on the Great American Songbook as well as classic R&B, all backed by his long-time stellar musicians in LANDAU'S LITTLE BIG BAND, with guest background vocals by former Temptations and Four Tops lead singer Theo Peoples!© 2025 Building Abundant Success!!2025 All Rights ReservedJoin Me on ~ iHeart Media @ https://tinyurl.com/iHeartBASSpot Me on Spotify: https://tinyurl.com/yxuy23bAmazon Music ~ https://tinyurl.com/AmzBASAudacy:  https://tinyurl.com/BASAud

Ever accidentally make a deal with the devil in a three-piece suit, get hit in the face with canned soup, and still manage to save an Appalachian town from a coal-eating mountain? The RPGBOT crew did, and somehow, it's not even the weirdest part of their charity stream. Grab your molasses taffy, kiss your dynamite goodbye, and prepare for the most chaotic train robbery–slash–exorcism this side of the Blue Ridge. It's the Old Gods of Appalachia finale, and nobody's walking away clean. Support MD Anderson Cancer Research This series raised funds for the MD Anderson Cancer Research Center, one of the world's leading hospitals dedicated to ending cancer through research, treatment, and education. The fight doesn't stop when the dice stop rolling. You can continue that mission right now by visiting  https://mdanderson.donordrive.com/participants/9351 to give what you can. Every contribution supports life-saving work and honors those who continue the battle against cancer every day. Because together, we can help make cancer history. In Part 1, Jessie and Isaiah arrived in Williams Holler, where labor, faith, and eldritch horror were all part of the same sermon. In Part 2, the pair unearthed cursed coal, Tommyknockers, and a very bad reason to keep digging. In Part 3, they barely escaped the mines—only to find not-deer, haunted orchards, and a preacher whose god might be listening a little too closely. Now, in Part 4, it all comes crashing down—literally. Our heroes steal a train, strike a deal with a devil in a suit, and decide the only way to save Williams Holler is to blow the mountain itself to hell. With flaming undead, eldritch roots, and GM-donated chaos (plus one extremely aggressive can of Campbell's Chunky Soup), this finale is a combustible mix of tension, sacrifice, and Appalachian legend. Highlights include: Jessie and Isaiah team up with Jam for one final run into the mines. A mysterious Railroad Man appears, offering a deal with infernal fine print. The players literally hijack a train to ram into a coal-fed, living mountain. The long-awaited Giant GM Intrusion arrives—turning the mountain into a wrestling ring for titans. The crew makes emotional sacrifices as Jam races to plant dynamite before it's too late. Reverend Timit returns—with canned soup as his chosen weapon of faith. The mountain collapses, salvation comes at a cost, and the town must decide what living free really means. The episode wraps with heartfelt thanks to donors, reflections on Cypher System mechanics, and a moving reminder of why these charity events matter. Key Takeaways Chaos is the point – Trains, devils, and GM intrusions combine into one unforgettable finale. The Cypher System encourages cinematic storytelling – Fast, flexible, and fueled by narrative moments over crunch. Community storytelling makes charity shine – Every donation shaped the game, creating real-time chaos and connection. Emotional stakes matter – Jessie, Isaiah, and Jam's story lands because it balances horror with heart. The mountain is more than a monster – It's a metaphor for endurance, corruption, and the cost of labor. Reverend Timit's soup throws deserve their own rulebook. The crew raised over $1,000 for cancer research – Proof that gaming communities can make a real-world difference. Shout Out to the Old Gods and Monte Cook Games Special thanks to Steve Shell, Cam Collins, and the DeepNerd Media team for creating Old Gods of Appalachia, and to Monte Cook Games for crafting the Old Gods of Appalachia Roleplaying Game that makes this Appalachian nightmare come alive at the table. Experience it yourself: Listen to the award-winning Old Gods of Appalachia podcast at OldGodsofAppalachia.com Buy the RPG from Monte Cook Games: montecookgames.com/old-gods-of-appalachia-rpg Play your own story of coal, faith, and fire—and see how long you can survive the holler. The mountain may have fallen, but the Old Gods are far from silent. Welcome to the RPGBOT Podcast. If you love Dungeons & Dragons, Pathfinder, and tabletop RPGs, this is the podcast for you. Support the show for free: Rate and review us on Apple Podcasts, Spotify, or any podcast app. It helps new listeners find the best RPG podcast for D&D and Pathfinder players. Level up your experience: Join us on Patreon to unlock ad-free access to RPGBOT.net and the RPGBOT Podcast, chat with us and the community on the RPGBOT Discord, and jump into live-streamed RPG podcast recordings. Support while you shop: Use our Amazon affiliate link at https://amzn.to/3NwElxQ and help us keep building tools and guides for the RPG community. Meet the Hosts Tyler Kamstra – Master of mechanics, seeing the Pathfinder action economy like Neo in the Matrix. Randall James – Lore buff and technologist, always ready to debate which Lord of the Rings edition reigns supreme. Ash Ely – Resident cynic, chaos agent, and AI's worst nightmare, bringing pure table-flipping RPG podcast energy. Join the RPGBOT team where fantasy roleplaying meets real strategy, sarcasm, and community chaos. How to Find Us: In-depth articles, guides, handbooks, reviews, news on Tabletop Role Playing at RPGBOT.net Tyler Kamstra BlueSky: @rpgbot.net TikTok: @RPGBOTDOTNET Ash Ely Professional Game Master on StartPlaying.Games BlueSky: @GravenAshes YouTube: @ashravenmedia Randall James BlueSky: @GrimoireRPG Amateurjack.com Read Melancon: A Grimoire Tale (affiliate link) Producer Dan @Lzr_illuminati

Steve welcomes bigfoot/sasquatch/Sabe experiencer Brother Littlefoot from the hills of Western North Carolina. Find Brother Littlefoot on YouTube: https://www.youtube.com/@brotherlittlefoot2216/videosfor recordings of Sasquatch to human communication. You can also find his book “HE'S NOT HAIRY; HE'S OUR BROTHER!” featuring True Stories of communication with an entire Tribe of Sasquatch People, as well as a Field Guide to Sasquatch signs, sounds, and how to communicate on Amazon: https://amzn.to/3W2UvV1Become a supporter of this podcast: https://www.spreaker.com/podcast/missing-persons-mysteries--5624803/support.

Ever accidentally make a deal with the devil in a three-piece suit, get hit in the face with canned soup, and still manage to save an Appalachian town from a coal-eating mountain? The RPGBOT crew did, and somehow, it's not even the weirdest part of their charity stream. Grab your molasses taffy, kiss your dynamite goodbye, and prepare for the most chaotic train robbery–slash–exorcism this side of the Blue Ridge. It's the Old Gods of Appalachia finale, and nobody's walking away clean. Support MD Anderson Cancer Research This series raised funds for the MD Anderson Cancer Research Center, one of the world's leading hospitals dedicated to ending cancer through research, treatment, and education. The fight doesn't stop when the dice stop rolling. You can continue that mission right now by visiting  https://mdanderson.donordrive.com/participants/9351 to give what you can. Every contribution supports life-saving work and honors those who continue the battle against cancer every day. Because together, we can help make cancer history. In Part 1, Jessie and Isaiah arrived in Williams Holler, where labor, faith, and eldritch horror were all part of the same sermon. In Part 2, the pair unearthed cursed coal, Tommyknockers, and a very bad reason to keep digging. In Part 3, they barely escaped the mines—only to find not-deer, haunted orchards, and a preacher whose god might be listening a little too closely. Now, in Part 4, it all comes crashing down—literally. Our heroes steal a train, strike a deal with a devil in a suit, and decide the only way to save Williams Holler is to blow the mountain itself to hell. With flaming undead, eldritch roots, and GM-donated chaos (plus one extremely aggressive can of Campbell's Chunky Soup), this finale is a combustible mix of tension, sacrifice, and Appalachian legend. Highlights include: Jessie and Isaiah team up with Jam for one final run into the mines. A mysterious Railroad Man appears, offering a deal with infernal fine print. The players literally hijack a train to ram into a coal-fed, living mountain. The long-awaited Giant GM Intrusion arrives—turning the mountain into a wrestling ring for titans. The crew makes emotional sacrifices as Jam races to plant dynamite before it's too late. Reverend Timit returns—with canned soup as his chosen weapon of faith. The mountain collapses, salvation comes at a cost, and the town must decide what living free really means. The episode wraps with heartfelt thanks to donors, reflections on Cypher System mechanics, and a moving reminder of why these charity events matter. Key Takeaways Chaos is the point – Trains, devils, and GM intrusions combine into one unforgettable finale. The Cypher System encourages cinematic storytelling – Fast, flexible, and fueled by narrative moments over crunch. Community storytelling makes charity shine – Every donation shaped the game, creating real-time chaos and connection. Emotional stakes matter – Jessie, Isaiah, and Jam's story lands because it balances horror with heart. The mountain is more than a monster – It's a metaphor for endurance, corruption, and the cost of labor. Reverend Timit's soup throws deserve their own rulebook. The crew raised over $1,000 for cancer research – Proof that gaming communities can make a real-world difference. Shout Out to the Old Gods and Monte Cook Games Special thanks to Steve Shell, Cam Collins, and the DeepNerd Media team for creating Old Gods of Appalachia, and to Monte Cook Games for crafting the Old Gods of Appalachia Roleplaying Game that makes this Appalachian nightmare come alive at the table. Experience it yourself: Listen to the award-winning Old Gods of Appalachia podcast at OldGodsofAppalachia.com Buy the RPG from Monte Cook Games: montecookgames.com/old-gods-of-appalachia-rpg Play your own story of coal, faith, and fire—and see how long you can survive the holler. The mountain may have fallen, but the Old Gods are far from silent. Welcome to the RPGBOT Podcast. If you love Dungeons & Dragons, Pathfinder, and tabletop RPGs, this is the podcast for you. Support the show for free: Rate and review us on Apple Podcasts, Spotify, or any podcast app. It helps new listeners find the best RPG podcast for D&D and Pathfinder players. Level up your experience: Join us on Patreon to unlock ad-free access to RPGBOT.net and the RPGBOT Podcast, chat with us and the community on the RPGBOT Discord, and jump into live-streamed RPG podcast recordings. Support while you shop: Use our Amazon affiliate link at https://amzn.to/3NwElxQ and help us keep building tools and guides for the RPG community. Meet the Hosts Tyler Kamstra – Master of mechanics, seeing the Pathfinder action economy like Neo in the Matrix. Randall James – Lore buff and technologist, always ready to debate which Lord of the Rings edition reigns supreme. Ash Ely – Resident cynic, chaos agent, and AI's worst nightmare, bringing pure table-flipping RPG podcast energy. Join the RPGBOT team where fantasy roleplaying meets real strategy, sarcasm, and community chaos. How to Find Us: In-depth articles, guides, handbooks, reviews, news on Tabletop Role Playing at RPGBOT.net Tyler Kamstra BlueSky: @rpgbot.net TikTok: @RPGBOTDOTNET Ash Ely Professional Game Master on StartPlaying.Games BlueSky: @GravenAshes YouTube: @ashravenmedia Randall James BlueSky: @GrimoireRPG Amateurjack.com Read Melancon: A Grimoire Tale (affiliate link) Producer Dan @Lzr_illuminati

*NOTE* - The topic discussion starts at 14:22. In this episode, Krista and Kurt look at strange stories from Appalachia and The Appalachian Trail!!  Mysterious disappearances, creepy creatures, Appalachian folklore, and more!  And, as always, a taste-test!

App State comes away with two timely fourth quarter fumble recoveries helping the Mountaineers to a 26-24 victory over Marshall. Listen back to the highlights and analysis as well as postgame interviews with Dowell Loggains, Trigg Lewis and Colton Phares.

Ever want to turn into a giant octopus just to ruin a pirate's day? Or turn into a squirrel just to steal your party's rations? On this week's RPGBOT.Podcast, we dive into the wild world of Wild Shape, from tactical bear hugs to flying reconnaissance pigeons. Spoilers: size matters, and no, nobody knows how many hit points a badger has without googling it. Old Gods of Appalachia RPG Stream Now on YouTube The wait is over. RPGBOT's full video stream of the Old Gods of Appalachia charity game is now rolling out on YouTube. Head over to the RPGBOT YouTube channel to relive the Appalachian horror, dice rolls, and deeply questionable character decisions in glorious widescreen format. Show Notes In this episode of the RPGBOT.Podcast, the crew unpacks the power and potential of Wild Shape in Dungeons & Dragons 5e. Whether you're playing a Circle of the Moon powerhouse or a nature-loving spellcaster who just wants to turn into a fish when things get rough, the episode explores how to choose the right form in combat, exploration, social encounters, and everything in between. You'll learn which beasts shine at different levels, how damage resistance and hit point pools can change a battle, and when it's better to be utility-focused instead of combat-ready. The discussion also highlights how Wild Shape synergizes with spellcasting, feat choices, and party composition for optimized Druid builds. MATERIALS REFERENCED IN THIS EPISODE RPGBOT.net Articles Wild Shape: A Practical Guide - DnD 5e - RPGBOT Wild Shape: A Practical Guide - PF2 Druid Handbook - Pathfinder - RPGBOT Druid Archetypes Breakdown - Pathfinder - RPGBOT Druid Handbook: PF2 Class Guide - RPGBOT Druid 5e: DnD 5th Edition Class Guide - RPGBOT RPGBOT.Podcast Episodes Familiars, or Why You Shouldn't Throw the Housecat at a Kobold Other References Fingies Key Takeaways Wild Shape isn't just about being a tanky bear. There's a form for every occasion—combat, scouting, infiltration, utility, and more. Circle of the Moon Druids dominate early-level combat, but all Druids can use Wild Shape creatively at any tier of play. Consider your party's needs before choosing your form. Sometimes turning into a giant eagle is more useful than mauling goblins as a dire wolf. Study the stat blocks. The best Wild Shape Druids know their options ahead of time and keep a "beast cheat sheet" at the ready. Spellcasting and Wild Shape can play nicely together, especially with the right feats and subclass abilities. Did you enjoy this deep dive into Druid mastery? Support more episodes like this by joining the RPGBOT Patreon. Patrons get access to ad-free episodes, live recordings, bonus content, and more. Become part of the RPGBOT community today and help us keep delivering top-tier tabletop RPG insights. Welcome to the RPGBOT Podcast. If you love Dungeons & Dragons, Pathfinder, and tabletop RPGs, this is the podcast for you. Support the show for free: Rate and review us on Apple Podcasts, Spotify, or any podcast app. It helps new listeners find the best RPG podcast for D&D and Pathfinder players. Level up your experience: Join us on Patreon to unlock ad-free access to RPGBOT.net and the RPGBOT Podcast, chat with us and the community on the RPGBOT Discord, and jump into live-streamed RPG podcast recordings. Support while you shop: Use our Amazon affiliate link at https://amzn.to/3NwElxQ and help us keep building tools and guides for the RPG community. Meet the Hosts Tyler Kamstra – Master of mechanics, seeing the Pathfinder action economy like Neo in the Matrix. Randall James – Lore buff and technologist, always ready to debate which Lord of the Rings edition reigns supreme. Ash Ely – Resident cynic, chaos agent, and AI's worst nightmare, bringing pure table-flipping RPG podcast energy. Join the RPGBOT team where fantasy roleplaying meets real strategy, sarcasm, and community chaos. How to Find Us: In-depth articles, guides, handbooks, reviews, news on Tabletop Role Playing at RPGBOT.net Tyler Kamstra BlueSky: @rpgbot.net TikTok: @RPGBOTDOTNET Ash Ely Professional Game Master on StartPlaying.Games BlueSky: @GravenAshes YouTube: @ashravenmedia Randall James BlueSky: @GrimoireRPG Amateurjack.com Read Melancon: A Grimoire Tale (affiliate link) Producer Dan @Lzr_illuminati

Kasen Jennings dropped home the game winner with less than three seconds to play to lift App State to a 65-63 victory over Charlotte. Listen back to the highlights and analysis, plus interviews with Dustin Kerns, Kasen Jennings and Andrin Njock.

Appalachian DREAD with Steve Stockton and Jared King - Appalachian DREAD with Steve Stockton and Jared King. Check out Jared's EXCELLENT Appalachian YouTube channel: https://www.youtube.com/@JaredKingTVBecome a supporter of this podcast: https://www.spreaker.com/podcast/missing-persons-mysteries--5624803/support.

Lesser-Known CRYPTIDS of the US Part #3 - You thought the map was complete. Think again. This is it—the next chapter in our 75-part (so far!) expedition into the hidden horrors of American folklore. We're going deeper than ever before to unearth the next 25 tales, the legends that live on the absolute fringes of the strange and the unexplained. This is not just a list of monsters. This is a collection of historical enigmas, viral internet mysteries, government hauntings, and the most bizarre "fearsome critters" ever imagined by lonely lumberjacks. From a cool autumn afternoon here in historic New England, we present the next installment of our field guide. In this volume, you will discover:

Ever want to turn into a giant octopus just to ruin a pirate's day? Or turn into a squirrel just to steal your party's rations? On this week's RPGBOT.Podcast, we dive into the wild world of Wild Shape, from tactical bear hugs to flying reconnaissance pigeons. Spoilers: size matters, and no, nobody knows how many hit points a badger has without googling it. Old Gods of Appalachia RPG Stream Now on YouTube The wait is over. RPGBOT's full video stream of the Old Gods of Appalachia charity game is now rolling out on YouTube. Head over to the RPGBOT YouTube channel to relive the Appalachian horror, dice rolls, and deeply questionable character decisions in glorious widescreen format. Show Notes In this episode of the RPGBOT.Podcast, the crew unpacks the power and potential of Wild Shape in Dungeons & Dragons 5e. Whether you're playing a Circle of the Moon powerhouse or a nature-loving spellcaster who just wants to turn into a fish when things get rough, the episode explores how to choose the right form in combat, exploration, social encounters, and everything in between. You'll learn which beasts shine at different levels, how damage resistance and hit point pools can change a battle, and when it's better to be utility-focused instead of combat-ready. The discussion also highlights how Wild Shape synergizes with spellcasting, feat choices, and party composition for optimized Druid builds. MATERIALS REFERENCED IN THIS EPISODE RPGBOT.net Articles Wild Shape: A Practical Guide - DnD 5e - RPGBOT Wild Shape: A Practical Guide - PF2 Druid Handbook - Pathfinder - RPGBOT Druid Archetypes Breakdown - Pathfinder - RPGBOT Druid Handbook: PF2 Class Guide - RPGBOT Druid 5e: DnD 5th Edition Class Guide - RPGBOT RPGBOT.Podcast Episodes Familiars, or Why You Shouldn't Throw the Housecat at a Kobold Other References Fingies Key Takeaways Wild Shape isn't just about being a tanky bear. There's a form for every occasion—combat, scouting, infiltration, utility, and more. Circle of the Moon Druids dominate early-level combat, but all Druids can use Wild Shape creatively at any tier of play. Consider your party's needs before choosing your form. Sometimes turning into a giant eagle is more useful than mauling goblins as a dire wolf. Study the stat blocks. The best Wild Shape Druids know their options ahead of time and keep a "beast cheat sheet" at the ready. Spellcasting and Wild Shape can play nicely together, especially with the right feats and subclass abilities. Did you enjoy this deep dive into Druid mastery? Support more episodes like this by joining the RPGBOT Patreon. Patrons get access to ad-free episodes, live recordings, bonus content, and more. Become part of the RPGBOT community today and help us keep delivering top-tier tabletop RPG insights. Welcome to the RPGBOT Podcast. If you love Dungeons & Dragons, Pathfinder, and tabletop RPGs, this is the podcast for you. Support the show for free: Rate and review us on Apple Podcasts, Spotify, or any podcast app. It helps new listeners find the best RPG podcast for D&D and Pathfinder players. Level up your experience: Join us on Patreon to unlock ad-free access to RPGBOT.net and the RPGBOT Podcast, chat with us and the community on the RPGBOT Discord, and jump into live-streamed RPG podcast recordings. Support while you shop: Use our Amazon affiliate link at https://amzn.to/3NwElxQ and help us keep building tools and guides for the RPG community. Meet the Hosts Tyler Kamstra – Master of mechanics, seeing the Pathfinder action economy like Neo in the Matrix. Randall James – Lore buff and technologist, always ready to debate which Lord of the Rings edition reigns supreme. Ash Ely – Resident cynic, chaos agent, and AI's worst nightmare, bringing pure table-flipping RPG podcast energy. Join the RPGBOT team where fantasy roleplaying meets real strategy, sarcasm, and community chaos. How to Find Us: In-depth articles, guides, handbooks, reviews, news on Tabletop Role Playing at RPGBOT.net Tyler Kamstra BlueSky: @rpgbot.net TikTok: @RPGBOTDOTNET Ash Ely Professional Game Master on StartPlaying.Games BlueSky: @GravenAshes YouTube: @ashravenmedia Randall James BlueSky: @GrimoireRPG Amateurjack.com Read Melancon: A Grimoire Tale (affiliate link) Producer Dan @Lzr_illuminati

Bob's Doha trip takeaways ... The Epstein-Bannon-Trump connection ... Can MAGA survive the Epstein saga? ... Email hygiene 101 ... Paul defends Larry Summers ... Olivia Nuzzi hikes the Appalachian trail ... Overtime preview: Top podcasting secrets revealed! The punishment problem; Pluribus; the “great feminization” debate; AI “bubble” update; and more! ...

This week on The Heart of Innovation, we bring you a true story of grit, muscle, and unwavering determination. Meet Deputy John Dent—20 years on the road in West Virginia law enforcement, a body built for durability, and a diagnosis that threatened it all: peripheral artery disease (PAD). He was the guy who'd outrun everyone in the academy at 275 lbs. He was the guy strides ahead of his peers. Then one day his leg seized up in the cruiser. What seemed like a cramp became a blood-clot. A fasciotomy followed. Then the vascular surgeon told him they might have to amputate. "I said, my leg don't need to be cut off," John says. Instead, he dug in. He changed his life. He stayed active. For over a decade, no further surgery. Just gym work, collateral circulation, and refusal to back down. And here's a twist you'll love: during our conversation, John mentions his work intersecting with a West Virginia documentary spotlighting Appalachian realities. (Think Netflix-style rural exposure.) It's a moment where his law-enforcement role met a culture-industry moment—and you'll hear how he processed it. Host Kym McNicholas and Dr. John Phillips walk John through his story—how PAD could've ended his career, his identity, his leg. Instead, it became a mission. Tune in. It's not just a "Save My Piggies" special—it's a "Save My Career, Save My Life" special.

Researcher and documentarian Brian Seech joins us to talk about his 40 years of studying and gathering evidence.

James Gann, Music Educator in Blount Co, TN won a blue ribbon for his pumpkin pie at the Great Smoky Mountains Heritage Center. James lets us know about the type of pumpkin he grows and his pie.Haylee Gibadowski describes how to process a fresh pumpkin for pies and shares her recipe for a gluten and dairy-free pumpkin pie that is delicious. (Recipe below, keep scrolling)Fred Sauceman's Pot Luck Radio series features novelist Adriana Trigiani, Author of Big Stone Gap, Milk Glass Moon, and Big Cherry Holler describes her Appalachian autumn memories and a little story involving Elizabeth Taylor and a chicken bone.

In an exciting, first-of-its-kind series, the boys talk directly to the fans… while hitting the kush. To kick off the exciting Call Brothers subseries, Stavvy, Eldy, and video extraordinaire Saxon AKA Saxton AKA “Ball Saxon” reflect on their travels on a quick Appalachian run of the Dreamboat Tour on their day off at the AirBNB in Asheville. The boys help beautiful Patreon members including a married man humblebragging about his wife turning a blind eye to his sugar baby situationship, a man whose sister cut off all contact with him because of a joke he made about Ruth Bader Ginsburg after her death, and a woman who's stuck in a truly unbelievable, never-ending saga involving the death of her mother, the stepfather she suspects is the culprit, and the convoluted Albanian legal system.If you'd like to be a part of future live call episodes, subscribe at www.patreon.com/stavvysworld to get access to the Stavvy's World Discord channel where these live calls are taken.☎️ Have a question for a regular episode? Call 904-800-STAV and leave a voicemail to get advice!

WhoDeb Hatley, Owner of Hatley Pointe, North CarolinaRecorded onJuly 30, 2025About Hatley PointeClick here for a mountain stats overviewOwned by: Deb and David Hatley since 2023 - purchased from Orville English, who had owned and operated the resort since 1992Located in: Mars Hill, North CarolinaYear founded: 1969 (as Wolf Laurel or Wolf Ridge; both names used over the decades)Pass affiliations: Indy Pass, Indy+ Pass – 2 days, no blackoutsClosest neighboring ski areas: Cataloochee (1:25), Sugar Mountain (1:26)Base elevation: 4,000 feetSummit elevation: 4,700 feetVertical drop: 700 feetSkiable acres: 54Average annual snowfall: 65 inchesTrail count: 21 (4 beginner, 11 intermediate, 6 advanced)Lift count: 4 active (1 fixed-grip quad, 1 ropetow, 2 carpets); 2 inactive, both on the upper mountain (1 fixed-grip quad, 1 double)Why I interviewed herOur world has not one map, but many. Nature drew its own with waterways and mountain ranges and ecosystems and tectonic plates. We drew our maps on top of these, to track our roads and borders and political districts and pipelines and railroad tracks.Our maps are functional, simplistic. They insist on fictions. Like the 1,260-mile-long imaginary straight line that supposedly splices the United States from Canada between Washington State and Minnesota. This frontier is real so long as we say so, but if humanity disappeared tomorrow, so would that line.Nature's maps are more resilient. This is where water flows because this is where water flows. If we all go away, the water keeps flowing. This flow, in turn, impacts the shape and function of the entire world.One of nature's most interesting maps is its mountain map. For most of human existence, mountains mattered much more to us than they do now. Meaning: we had to respect these giant rocks because they stood convincingly in our way. It took European settlers centuries to navigate en masse over the Appalachians, which is not even a severe mountain range, by global mountain-range standards. But paved roads and tunnels and gas stations every five miles have muted these mountains' drama. You can now drive from the Atlantic Ocean to the Midwest in half a day.So spoiled by infrastructure, we easily forget how dramatically mountains command huge parts of our world. In America, we know this about our country: the North is cold and the South is warm. And we define these regions using battle maps from a 19th Century war that neatly bisected the nation. Another imaginary line. We travel south for beaches and north to ski and it is like this everywhere, a gentle progression, a continent-length slide that warms as you descend from Alaska to Panama.But mountains disrupt this logic. Because where the land goes up, the air grows cooler. And there are mountains all over. And so we have skiing not just in expected places such as Vermont and Maine and Michigan and Washington, but in completely irrational ones like Arizona and New Mexico and Southern California. And North Carolina.North Carolina. That's the one that surprised me. When I started skiing, I mean. Riding hokey-poke chairlifts up 1990s Midwest hills that wouldn't qualify as rideable surf breaks, I peered out at the world to figure out where else people skied and what that skiing was like. And I was astonished by how many places had organized skiing with cut trails and chairlifts and lift tickets, and by how many of them were way down the Michigan-to-Florida slide-line in places where I thought that winter never came: West Virginia and Virginia and Maryland. And North Carolina.Yes there are ski areas in more improbable states. But Cloudmont, situated in, of all places, Alabama, spins its ropetow for a few days every other year or so. North Carolina, home to six ski areas spinning a combined 35 chairlifts, allows for no such ambiguity: this is a ski state. And these half-dozen ski centers are not marginal operations: Sugar Mountain and Cataloochee opened for the season last week, and they sometimes open in October. Sugar spins a six-pack and two detach quads on a 1,200-foot vertical drop.This geographic quirk is a product of our wonderful Appalachian Mountain chain, which reaches its highest points not in New England but in North Carolina, where Mount Mitchell peaks at 6,684 feet, 396 feet higher than the summit of New Hampshire's Mount Washington. This is not an anomaly: North Carolina is home to six summits taller than Mount Washington, and 12 of the 20-highest in the Appalachians, a range that stretches from Alabama to Newfoundland. And it's not just the summits that are taller in North Carolina. The highest ski area base elevation in New England is Saddleback, which measures 2,147 feet at the bottom of the South Branch quad (the mountain more typically uses the 2,460-foot measurement at the bottom of the Rangeley quad). Either way, it's more than 1,000 feet below the lowest base-area elevation in North Carolina:Unfortunately, mountains and elevation don't automatically equal snow. And the Southern Appalachians are not exactly the Kootenays. It snows some, sometimes, but not so much, so often, that skiing can get by on nature's contributions alone - at least not in any commercially reliable form. It's no coincidence that North Carolina didn't develop any organized ski centers until the 1960s, when snowmaking machines became efficient and common enough for mass deployment. But it's plenty cold up at 4,000 feet, and there's no shortage of water. Snowguns proved to be skiing's last essential ingredient.Well, there was one final ingredient to the recipe of southern skiing: roads. Back to man's maps. Specifically, America's interstate system, which steamrolled the countryside throughout the 1960s and passes just a few miles to Hatley Pointe's west. Without these superhighways, western North Carolina would still be a high-peaked wilderness unknown and inaccessible to most of us.It's kind of amazing when you consider all the maps together: a severe mountain region drawn into the borders of a stable and prosperous nation that builds physical infrastructure easing the movement of people with disposable income to otherwise inaccessible places that have been modified for novel uses by tapping a large and innovative industrial plant that has reduced the miraculous – flight, electricity, the internet - to the commonplace. And it's within the context of all these maps that a couple who knows nothing about skiing can purchase an established but declining ski resort and remake it as an upscale modern family ski center in the space of 18 months.What we talked aboutHurricane Helene fallout; “it took every second until we opened up to make it there,” even with a year idle; the “really tough” decision not to open for the 2023-24 ski season; “we did not realize what we were getting ourselves into”; buying a ski area when you've never worked at a ski area and have only skied a few times; who almost bought Wolf Ridge and why Orville picked the Hatleys instead; the importance of service; fixing up a broken-down ski resort that “felt very old”; updating without losing the approachable family essence; why it was “absolutely necessary” to change the ski area's name; “when you pulled in, the first thing that you were introduced to … were broken-down machines and school buses”; Bible verses and bare trails and busted-up everything; “we could have spent two years just doing cleanup of junk and old things everywhere”; Hatley Pointe then and now; why Hatley removed the double chair; a detachable six-pack at Hatley?; chairlifts as marketing and branding tools; why the Breakaway terrain closed and when it could return and in what form; what a rebuilt summit lodge could look like; Hatley Pointe's new trails; potential expansion; a day-ski area, a resort, or both?; lift-served mountain bike park incoming; night-skiing expansion; “I was shocked” at the level of après that Hatley drew, and expanding that for the years ahead; North Carolina skiing is all about the altitude; re-opening The Bowl trail; going to online-only sales; and lessons learned from 2024-25 that will build a better Hatley for 2025-26.What I got wrongWhen we recorded this conversation, the ski area hadn't yet finalized the name of the new green trail coming off of Eagle – it is Pat's Way (see trailmap above).I asked if Hatley intended to install night-skiing, not realizing that they had run night-ski operations all last winter.Why now was a good time for this interviewPardon my optimism, but I'm feeling good about American lift-served skiing right now. Each of the past five winters has been among the top 10 best seasons for skier visits, U.S. ski areas have already built nearly as many lifts in the 2020s (246) as they did through all of the 2010s (288), and multimountain passes have streamlined the flow of the most frequent and passionate skiers between mountains, providing far more flexibility at far less cost than would have been imaginable even a decade ago.All great. But here's the best stat: after declining throughout the 1980s and ‘90s, the number of active U.S. ski areas stabilized around the turn of the century, and has actually increased for five consecutive winters:Those are National Ski Areas Association numbers, which differ slightly from mine. I count 492 active ski hills for 2023-24 and 500 for last winter, and I project 510 potentially active ski areas for the 2025-26 campaign. But no matter: the number of active ski operations appears to be increasing.But the raw numbers matter less than the manner in which this uptick is happening. In short: a new generation of owners is resuscitating lost or dying ski areas. Many have little to no ski industry experience. Driven by nostalgia, a sense of community duty, plain business opportunity, or some combination of those things, they are orchestrating massive ski area modernization projects, funded via their own wealth – typically earned via other enterprises – or by rallying a donor base.Examples abound. When I launched The Storm in 2019, Saddleback, Maine; Norway Mountain, Michigan; Woodward Park City; Thrill Hills, North Dakota; Deer Mountain, South Dakota; Paul Bunyan, Wisconsin; Quarry Road, Maine; Steeplechase, Minnesota; and Snowland, Utah were all lost ski areas. All are now open again, and only one – Woodward – was the project of an established ski area operator (Powdr). Cuchara, Colorado and Nutt Hill, Wisconsin are on the verge of re-opening following decades-long lift closures. Bousquet, Massachusetts; Holiday Mountain, New York; Kissing Bridge, New York; and Black Mountain, New Hampshire were disintegrating in slow-motion before energetic new owners showed up with wrecking balls and Home Depot frequent-shopper accounts. New owners also re-energized the temporarily dormant Sandia Peak, New Mexico and Tenney, New Hampshire.One of my favorite revitalization stories has been in North Carolina, where tired, fire-ravaged, investment-starved, homey-but-rickety Wolf Ridge was falling down and falling apart. The ski area's season ended in February four times between 2018 and 2023. Snowmaking lagged. After an inferno ate the summit lodge in 2014, no one bothered rebuilding it. Marooned between the rapidly modernizing North Carolina ski trio of Sugar Mountain, Cataloochee, and Beech, Wolf Ridge appeared to be rapidly fading into irrelevance.Then the Hatleys came along. Covid-curious first-time skiers who knew little about skiing or ski culture, they saw opportunity where the rest of us saw a reason to keep driving. Fixing up a ski area turned out to be harder than they'd anticipated, and they whiffed on opening for the 2023-24 winter. Such misses sometimes signal that the new owners are pulling their ripcords as they launch out of the back of the plane, but the Hatleys kept working. They gut-renovated the lodge, modernized the snowmaking plant, tore down an SLI double chair that had witnessed the signing of the Declaration of Independence. And last winter, they re-opened the best version of the ski area now known as Hatley Pointe that locals had seen in decades.A great winter – one of the best in recent North Carolina history – helped. But what I admire about the Hatleys – and this new generation of owners in general – is their optimism in a cultural moment that has deemed optimism corny and naïve. Everything is supposed to be terrible all the time, don't you know that? They didn't know, and that orientation toward the good, tempered by humility and patience, reversed the long decline of a ski area that had in many ways ceased to resonate with the world it existed in.The Hatleys have lots left to do: restore the Breakaway terrain, build a new summit lodge, knot a super-lift to the frontside. And their Appalachian salvage job, while impressive, is not a very repeatable blueprint – you need considerable wealth to take a season off while deploying massive amounts of capital to rebuild the ski area. The Hatley model is one among many for a generation charged with modernizing increasingly antiquated ski areas before they fall over dead. Sometimes, as in the examples itemized above, they succeed. But sometimes they don't. Comebacks at Cockaigne and Hickory, both in New York, fizzled. Sleeping Giant, Wyoming and Ski Blandford, Massachusetts both shuttered after valiant rescue attempts. All four of these remain salvageable, but last week, Four Seasons, New York closed permanently after 63 years.That will happen. We won't be able to save every distressed ski area, and the potential supply of new or revivable ski centers, barring massive cultural and regulatory shifts, will remain limited. But the protectionist tendencies limiting new ski area development are, in a trick of human psychology, the same ones that will drive the revitalization of others – the only thing Americans resist more than building something new is taking away something old. Which in our country means anything that was already here when we showed up. A closed or closing ski area riles the collective angst, throws a snowy bat signal toward the night sky, a beacon and a dare, a cry and a plea: who wants to be a hero?Podcast NotesOn Hurricane HeleneHelene smashed inland North Carolina last fall, just as Hatley was attempting to re-open after its idle year. Here's what made the storm so bad:On Hatley's socialsFollow:On what I look for at a ski resortOn the Ski Big Bear podcastIn the spirit of the article above, one of the top 10 Storm Skiing Podcast guest quotes ever came from Ski Big Bear, Pennsylvania General Manager Lori Phillips: “You treat everyone like they paid a million dollars to be there doing what they're doing”On ski area name changesI wrote a piece on Hatley's name change back in 2023:Ski area name changes are more common than I'd thought. I've been slowly documenting past name changes as I encounter them, so this is just a partial list, but here are 93 active U.S. ski areas that once went under a different name. If you know of others, please email me.On Hatley at the point of purchase and nowGigantic collections of garbage have always fascinated me. That's essentially what Wolf Ridge was at the point of sale:It's a different place now:On the distribution of six-packs across the nationSix-pack chairlifts are rare and expensive enough that they're still special, but common enough that we're no longer amazed by them. Mostly - it depends on where we find such a machine. Just 112 of America's 3,202 ski lifts (3.5 percent) are six-packs, and most of these (75) are in the West (60 – more than half the nation's total, are in Colorado, Utah, or California). The Midwest is home to a half-dozen six-packs, all at Boyne or Midwest Family Ski Resorts operations, and the East has 31 sixers, 17 of which are in New England, and 12 of which are in Vermont. If Hatley installed a sixer, it would be just the second such chairlift in North Carolina, and the fifth in the Southeast, joining the two at Wintergreen, Virginia and the one at Timberline, West Virginia.On the Breakaway fireWolf Ridge's upper-mountain lodge burned down in March 2014. Yowza:On proposed expansions Wolf Ridge's circa 2007 trailmap teases a potential expansion below the now-closed Breakaway terrain:Taking our time machine back to the late ‘80s, Wolf Ridge had envisioned an even more ambitious expansion:The Storm explores the world of lift-served skiing year-round. Join us. Get full access to The Storm Skiing Journal and Podcast at www.stormskiing.com/subscribe

Bret and Adam lead off the show with the historic run for Savannah Dada-Mascoll as she advanced to the quarterfinals of the NCAA women's tennis championships on Thursday afternoon. Then, as the 2005 football team celebration draws closer, the guys visit with Matt Isenhour and Daniel Bettis from the program's first national championship. Finally, Bret chats with Trae Nickelson III to hear his amazing journey that brought him to his first game action last Saturday at JMU. #DSOTDP

You mean to tell me I have been doing this podcast for 6 years and have not covered this yet? This week, we turn our attention to the Appalachian Mountains and barely even scratch the surface of the stories there. So stay out of the woods and tune in while you discuss the critters creatures, cryptids, and stories out of Appalachia.Join the Patreon:www.Patreon.com/Wednesdaystalk  Call Us:773-599-3473  Email Us:OnWednesdaysWeTalkWeird@gmail.com  Follow Ashley Hilt:linktr.ee/itsasherz  Produced By: That thing in the woods NateBecome a supporter of this podcast: https://www.spreaker.com/podcast/on-wednesdays-we-talk-weird--5989318/support.

This week, radio & television legend and Country Music Hall of Fame member Grandpa Jones with his wife, Grand Old Opry star Ramona and family recorded live at the Ozark Folk Center State Park. Also, interviews and a live performance from the Jones Family. Aubrey Atwater presents “The Mother of Folk Music” Jean Ritchie, and Mark Jones offers an archival recording of Ozark original, Jim Bullard. Grandpa Jones was a performer during the golden age of radio, and later found success as a cast member on the syndicated television program, “Hee Haw.”  After years of living near Nashville, TN, Grandpa moved to Mountain View, Arkansas in the early 1980's. Along with his wife Ramona, they ran the Grandpa Jones Dinner Theater. The theater employed many musicians, many of whom are still around the Ozarks today including their son Mark and guitarist Danny Dozier. We'll dig deep into the archives this week for a set of music, featuring some of Grandpa's finest performances at Ozark Folk Center State Park. “The Jones Family Band” features a cast of all-star musicians, including Alisa and Mark Jones. This performance from the Jones Family Band was the last one recorded at the Ozark Folk Center State Park before Ramona passed in late 2015. Renowned folk musician Aubrey Atwater profiles influential folk music icons Jean Ritchie and the Ritchie Family, as well as explores the traditional Appalachian music and dance that the Ritchie Family helped to perpetuate into the modern American folk lexicon. This episode focuses on Jean Ritchie as a songwriter, and features Jean's performance of her original song “Black Water.” Mark Jones' “From the Vault” segment features a rare recording of Ozark original Jim Bullard, performing the traditional song “Glory Land,” from the Ozark Folk Center State Park archives.

Soulforce has been a big part of the stories coming out of Azusa Pacific University throughout this podcast. From the guests who attended the events on campus to the subsequent generations who banded together to start a movement, Soulforce is part of the DNA of Chapel Probation. So it was a thrill to be able to work with Rev Alba all year at Axis Mundi, producing Teologia Sin Verguenza and Love Letters on the main Soulforce Podcast. And now the chance to spend time with Rev Alba to hear her story and bask in her badass wisdom is an incredible honor. Chapel Probation is part of the ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Dauntless Media Collective⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Join the ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Dauntless Media Discord ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠for more conversation with all the podcast communities.Scott's book, ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Asian-American-Apostate- Losing Religion and Finding Myself at an Evangelical University⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ is available now!Music by Scott Okamoto, ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Jenyi⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠, ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Azeem Khan⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠, and ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Shin Kawasaki⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Wingo Shackleford⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Join the ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Chapel Probation Patreon ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ to support Scott and for bonus content. Join the ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Chapel Probation Facebook⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ group to continue the conversations.Follow Scott on ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Instagram⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠, ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Bluesky⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠, ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Substack⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠You can subscribe to Scott's newsletter and learn more about the book, the blog, and performances at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠rscottokamoto.com⁠

Hey Theology Nerds! On this episode, we're wrestling with one of those questions that'll mess with your theology AND your politics - Vincent Harding's knockout punch of a question: 'Is America possible?' I'm talking about the REAL America, not the one on your uncle's Facebook feed, but the wild, beautiful, messy dream of a multiracial, multi-ethnic, pluralistic, egalitarian democracy that actually, you know, WORKS. We're getting into all of it - how democracy and capitalism are duking it out, what Christianity has to say when it's not too busy blessing the status quo, and why asking better questions might just save us from ourselves. This is about imagination, the kind that gets people in trouble with empire. We're talking solidarity that actually costs something, conversations that require actual courage (not just Twitter courage), and why your algorithm might be more theologically problematic than that praise band you love to hate. If you've ever wondered whether faith communities could stop playing defense and start building the world we actually need, or if you're ready to imagine America as something more than a 250-year-old experiment in barely not falling apart - this one's for you. We're bringing the theological fire to the most urgent questions of our time, because apparently that's what we do around here. Corey D. B. Walker is Dean of the School of Divinity at Wake Forest University. As a scholar, he's committed to a broad vision of human flourishing. His research, teaching, and public scholarship span the areas of African American philosophy, critical theory, ethics, and religion and American public life.  Bill Leonard is the Founding Dean and Professor of Divinity Emeritus at Wake Divinity. Leonard's research focuses on Church History with particular attention to American religion, Baptist studies, and Appalachian religion. He is the author of over 25 books, including  The Homebrewed Christianity Guide to Church History: Flaming Heretics and Heavy Drinkers.  Previous Episodes Bill & Corey: Theology in the Age of Anxiety and Algorithms Bill & Corey: Losing Sleep Before God Welcome to the Post-Christian Century the Fundamentalization of American Religion Listening Beyond the Times The History and Transformation of American Christianity  Faith and Politics Through Church History ACCESS to the cheapest tickets.⁠⁠⁠ ⁠⁠⁠UPCOMING ONLINE ADVENT CLASS w/ Diana Butler Bass⁠⁠⁠⁠ Join us for a transformative four-week Advent journey exploring how the four gospels speak their own revolutionary word against empire—both in their ancient context under Roman occupation and for our contemporary world shaped by capitalism, militarism, and nationalism.  This course invites you into an alternative calendar and rhythm. We'll discover how these ancient texts of resistance offer wisdom for our own moment of political turmoil, economic inequality, and ecological crisis. This class is donation-based, including 0. You can sign-up at ⁠⁠⁠⁠www.HomebrewedClasses.com⁠⁠⁠⁠ This podcast is a ⁠⁠⁠⁠⁠Homebrewed Christianity ⁠⁠⁠⁠⁠production. Follow ⁠⁠⁠⁠⁠the Homebrewed Christianity⁠⁠⁠⁠⁠, ⁠⁠⁠⁠⁠Theology Nerd Throwdown⁠⁠⁠⁠⁠, & ⁠⁠⁠⁠⁠The Rise of Bonhoeffer⁠⁠⁠⁠⁠ podcasts for more theological goodness for your earbuds. Join over 70,000other people by joining our ⁠⁠⁠⁠⁠Substack - Process This!⁠⁠⁠⁠⁠ Get instant access to over 50 classes at ⁠⁠⁠⁠⁠www.TheologyClass.com⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠Follow the podcast, drop a review⁠⁠⁠⁠⁠, send ⁠⁠⁠⁠⁠feedback/questions⁠⁠⁠⁠⁠ or become a ⁠⁠⁠⁠⁠member of the HBC Community⁠⁠⁠⁠⁠. Learn more about your ad choices. Visit megaphone.fm/adchoices

This is a Grave Talks CLASSIC EPISODE! In the Appalachian foothills, superstition runs deep—passed through generations in whispered warnings and midnight stories. But for Amanda Yenni, those tales sparked more than fear; they inspired curiosity. Instead of chasing ghost sightings or urban legends, Amanda set out on a scientific mission to understand the mechanics behind the paranormal. Amanda shares her fascinating approach to exploring the spirit world—not to prove that ghosts exist, but to uncover how and why they manifest. Drawing from her Appalachian roots and analytical mindset, she bridges folklore and research, exploring what ancient beliefs might have gotten right all along. From the patterns spirits follow to the unseen forces that might drive them, Amanda's journey redefines the way we think about hauntings—offering a rare, rational look into a world shaped by mystery. This is Part Two of our conversation. #TheGraveTalks #ParanormalResearch #AppalachianFolklore #ParanormalPodcast #GhostScience #HauntedHistory #SupernaturalEncounters #SpiritEnergy #RealGhostStories #FolkloreAndScience #HauntedAppalachia Love real ghost stories? Don't just listen—join us on YouTube and be part of the largest community of real paranormal encounters anywhere. Subscribe now and never miss a chilling new story:

This week on Everything You Didn't Know About Herbalism, we are joined by Christopher Parker, the self-taught mycologist with 30 years of experience in mushroom cultivation, wildharvesting, and herbal medicine making. Join us to explore: Christopher & Katherine Parker's new book, The Mycelial Healer: A Comprehensive Guide to the Cultivation and Traditional Uses of Medicinal Mushrooms Growing up through the changing seasons and breathtaking landscapes of Southern Appalachia The domino effect that transforming floodplains into food forests could have  Unique and creative ways to get medicinal mushrooms into your diet Making fungi cultivation accessible for all As always, we thank you for joining us on another botanical adventure and are so honored to have you tag along with us on this ride. Remember, we want to hear from you! Your questions, ideas, and who you want to hear from are an invaluable piece to our podcast. Email us at podcast@mountainroseherbs.com to let us know what solutions we should uncover next within the vast world of herbalism.   Learn more about Christopher below! ⬇️

This is a Grave Talks CLASSIC EPISODE! In the Appalachian foothills, superstition runs deep—passed through generations in whispered warnings and midnight stories. But for Amanda Yenni, those tales sparked more than fear; they inspired curiosity. Instead of chasing ghost sightings or urban legends, Amanda set out on a scientific mission to understand the mechanics behind the paranormal. Amanda shares her fascinating approach to exploring the spirit world—not to prove that ghosts exist, but to uncover how and why they manifest. Drawing from her Appalachian roots and analytical mindset, she bridges folklore and research, exploring what ancient beliefs might have gotten right all along. From the patterns spirits follow to the unseen forces that might drive them, Amanda's journey redefines the way we think about hauntings—offering a rare, rational look into a world shaped by mystery. #TheGraveTalks #ParanormalResearch #AppalachianFolklore #ParanormalPodcast #GhostScience #HauntedHistory #SupernaturalEncounters #SpiritEnergy #RealGhostStories #FolkloreAndScience #HauntedAppalachia Love real ghost stories? Don't just listen—join us on YouTube and be part of the largest community of real paranormal encounters anywhere. Subscribe now and never miss a chilling new story:

Aaron McIntire covers the House passing a funding bill to end the historic government shutdown with slim Democratic crossover support, White House claims on damaged economic data, endless Epstein document teases, and improved Treasury messaging on wage growth timelines. VP JD Vance at the MAHA Summit calls for unconventional thinkers to break healthcare orthodoxies and addresses Appalachian despair, while Secretary Rubio blasts EU border complaints, Fetterman slams far-left venom, and a Newsom aide faces corruption charges.   AM Update, government shutdown end, Epstein files, JD Vance MAHA, economic messaging, Marco Rubio EU, John Fetterman, Gavin Newsom corruption, affordability benchmarks, Appalachia health

In the black heart of the Appalachian night, something pale crawls out of the treeline. A terrified man calls 911 from a rural North Carolina road, screaming that something not human has climbed into his truck bed. This week, we're tearing into the most chilling roadside encounter caught on record — the Rake 911 call — and tracing it through Appalachian folklore, mimic voices in the mountains, and the strange, whispering woods that never sleep.Lock your doors, keep your eyes on the rearview, and don't stop for the bleeding man by the road.Support for this episode comes from EarnIn.When they ask how you heard about EarnIn, click Podcast and type The Brohio Podcast.Find Us on Patreon! https://www.patreon.com/c/BrohiopodcastWe Live Stream All Our Episodes! youtube.com/brohiopodcastFind us on all the socials @BrohioPodcast