Podcasts about Chicago

In the final hour, Matt Spiegel and Laurence Holmes listened and reacted to Bears head coach Ben Johnson's analysis of quarterback Caleb Williams' performance in Chicago's wild win at Cincinnati on Sunday. Later, Score reporter Chris Emma joined the show to share his takeaways from the Bears' victory.

In the third hour, Matt Spiegel and Laurence Holmes discussed how the Bears special teams units continue to be a problem. After that, they celebrated a pair of Bears rookies in running back Kyle Monangai and tight end Colston Loveland having breakout games in Chicago's wild win at Cincinnati on Sunday.

Rena Malik, MD, is a board-certified urologist and pelvic surgeon specializing in sexual medicine, urogynecology, hormone management, and pelvic pain. She completed her medical education at New York University Grossman School of Medicine, followed by a urology residency at the University of Chicago and a fellowship in Female Pelvic Medicine and Reconstructive Surgery at UT Southwestern Medical Center. Practicing in Newport Beach and Beverly Hills, California, with affiliations at Tibor Rubin VA Medical Center and University of Maryland Medical Center, Malik has over 10 years of experience treating conditions like urinary incontinence, overactive bladder, and sexual dysfunction.  Named the 2023 American Urological Association Young Urologist of the Year and a Top 10 Health Influencer by Men's Health in 2023, she has hundreds of millions YouTube views and over 2.5 million social media followers for her science-driven content. She hosts the Rena Malik, MD Podcast, offering expert advice on health, sex, and relationships, and has published over 80 peer-reviewed articles. Shawn Ryan Show Sponsors: Preorder Call of Duty: Black Ops 7 now - https://www.callofduty.com Buy PYSOP: Target Intelligence - https://psyopshow.com https://americanfinancing.net/srs NMLS 182334, nmlsconsumeraccess.org. APR for rates in the 5s start at 6.327% for well qualified borrowers. Call 866-781-8900, for details about credit costs and terms. https://betterhelp.com/srs This episode is sponsored. Give online therapy a try at betterhelp.com/srs and get on your way to being your best self. https://blackbuffalo.com https://meetfabric.com/shawn https://shawnlikesgold.com https://ketone.com/srs Visit https://ketone.com/srs for 30% OFF your subscription order. https://USCCA.com/srs Rena Malik Links: Linktree - https://renamalikmd.com/linktree Website - https://renamalikmd.com YT - https://www.youtube.com/@RenaMalikMD X - https://x.com/RenaMalikMD IG - https://www.instagram.com/renamalikmd Podcast - https://podcast.renamalikmd.com FP - https://www.facebook.com/RenaMalikMD TT - https://tiktok.com/@renamalikmd LI - https://www.linkedin.com/in/renadmalik Pinterest - https://www.pinterest.com/renamalikmd Threads - https://www.threads.net/@renamalikmd Sign up for Yourology Newsletter - https://newsletter.renamalikmd.com Link to schedule an appointment - https://www.renamalikmd.com/appointments In person in Beverly Hills or Newport Beach, CA and virtually in CA, FL, IL, NY, NJ, MD, TX, VA Learn more about your ad choices. Visit podcastchoices.com/adchoices

Gillie & Wallo in Chicago with G Herbo | Swervo & Friends Behind the Scenes This week on Million Dollaz Worth of Game, Gillie & Wallo touch down in Chicago to link with G Herbo for an exclusive look behind the scenes of his Swervo & Friends hometown concert. Swervo chops it up with the guys about fatherhood, his growth in the rap game, and his upcoming album “LIL HERB” dropping November 7th. Then things turn up when Meek Mill, Rob49, and even Wallo freestyle for Bendadaonn's stream. The stage was packed with stars like 21 Savage, Sexy Red, Polo G, Moneybagg Yo, A Boogie, Hxncho, and more all showing love for Lil Herb's homecoming. Gillie & Wallo hit the stage with Meek Mill to close out an unforgettable Chicago night. #MillionDollazWorthOfGame #GHerbo #LilHerb #GillieAndWallo #Chicago #MeekMill #Rob49 #21Savage #SexyRed #MoneyBaggYo #PoloG #ABoogie #MDWOG Powered By: Gametime - Download the Gametime app today and use code DOLLAZ for $20 off your first purchase New Amsterdam Vodka - Find your wins with New Amsterdam Vodka Draftkings - Use Code: Gillie - Gambling Problem? Call 1-800-GAMBLER. Help is available for problem gambling. Call (888) 789-7777 or visit ccpg.org (CT). 18+ (19+ AL/NE, 21+ AZ/MA/VA). Valid only where Pick6 operates, see dkng.co/pick6states. Void in NY, ONT, and where prohibited. Eligibility restrictions apply. 1 per new DraftKings customer. $5+ first Pick Set to receive max. $50 issued as non-withdrawable Bonus Picks that expire in 14 days (336 hours). Ends 11/3/25 at 11:59 PM ET. Terms: pick6.draftkings.com/promos Sponsored by DraftKings. Ro - Connect with a provider at RO.co/MDWOG to find out if prescription Ro Sparks are right for you and get $15 off your first order Stash - Go to https://get.stash.com/DOLLAZ to see how you can receive $25 towards your first stock purchase and to view important disclosures. Jackpocket - GAMBLING PROBLEM? CALL 1-800-GAMBLER, Call 877-8-HOPENY/text HOPENY (467369) (NY). 18+ (19+ in NE, 21+ in AZ). Physically present where Jackpocket operates. Jackpocket is a lottery courier and not affiliated with any State Lottery. Eligibility restrictions apply. Void where prohibited. 1 per new customer. Opt-in for $5 in non-withdrawable Lottery Credits that expire in 7 days (168 hours). Ends 12/31/25 at 11:59PM ET. Terms: jkpt.co/draw5. Scratch off tickets subject to availability. Sponsored by Jackpocket. Based on 2025 iOS download data collected by Sensor Tower.You can find every episode of this show on Apple Podcasts, Spotify or YouTube. Prime Members can listen ad-free on Amazon Music. For more, visit barstool.link/mworthofgame

Thanks to Soren Narnia (Knifepoint Horror),  Amanda Goodness/Cassidy Liston (Drinking The Kool Aid), Scaroline (Twitch), Kaydra Brannan (Perplexity), Kaelyn Moore (Heart Starts Pounding), and Jennifer Hollywood for appearing on the live stream! Check out their shows wherever you get your podcasts!    Upcoming Live Shows: 11/17 - Phoenix, AZ @ Rebel Lounge - TICKETS 11/19 - St. Paul, MN @ Turf Club - TICKETS 11/20 - Chicago, IL @ Beat Kitchen - TICKETS Stories in this episode: He Said He Was Their New Dog Walker | jeezduzit (1:38) The Things You See in the Woods | Session (7:04) I'm Not Alone at Home | Adept-Ad-1669 (13:56) I Met a Man Who Would Become a Murderer | ForionK (17:20) Guy Ran at My Car While on the Highway | hahaitsmaya (25:47) Salesman Tried to Break in Our House | paranormalcollector (32:16) He Was Only Wearing a Hat | Karasame840 (35:37) Late Night Tow | whiskey-1 (38:52) Extended Patreon Content: Creepiest Encounter From My First Job | PokéKing  10-Year-Olds Solve a Murder Case | Edith He Watched Me Through the Wall | Lola The Crawlspace Under My Room | Kittycourt Out of Sight | Aysha Due to periodic changes in ad placement, time stamps are estimates and are not always accurate. Want Bonus Weekly Stories? Hate Ads? Join our Patreon for only $5 a month for over 100 hours of bonus content, and it's all ad-free! Send your stories to letsnotmeetstories@gmail.com.    Join the Discord:https://discord.gg/84WXQud4gE Follow: - Twitch - https://twitch.tv/crypticcounty - Website - https://letsnotmeetpodcast.com/ - Patreon - https://patreon.com/letsnotmeetpodcast - Instagram - https://www.instagram.com/letsnotmeetcast/ All of the stories you've heard this week were narrated and produced with the permission of their respective authors. Let's Not Meet: A True Horror Podcast is not associated with Reddit or any other message boards online.       

Thanks to Allstate for sponsoring today's episode! Click here [https://bit.ly/47IpOdG] to check Allstate first and see how much you could save on car insurance. This week, when Dodge said a 383 big-block wouldn't fit in a Dart, a Chicago car guy proved them wrong — and forced Detroit to copy him. From selling 50 Dodges in a snowstorm to building the first dealer-tuned muscle cars, Mr. Norm turned a local dealership into the birthplace of Mopar performance culture — and changed how Americans bought speed. Learn more about your ad choices. Visit podcastchoices.com/adchoices

In a live conversation on YouTube, Lawfare Editor in Chief Benjamin Wittes sat down with Lawfare Contributor Marty Lederman, Public Service Fellow Loren Voss, and Senior Editors Scott R. Anderson, Roger Parloff and Eric Columbus to discuss the Supreme Court's handling of the legal challenge to the federalization of the National Guard in Chicago, James Comey's motions to dismiss the indictment against him, ongoing politicization at the Department of Justice, litigation over the Trump administration's attempt to suspend SNAP during the government shutdown, and so much more.You can find information on legal challenges to Trump administration actions here. And check out Lawfare's new homepage on the litigation, new Bluesky account, and new WITOAD merch.To receive ad-free podcasts, become a Lawfare Material Supporter at www.patreon.com/lawfare. You can also support Lawfare by making a one-time donation at https://givebutter.com/lawfare-institute.Support this show http://supporter.acast.com/lawfare. Hosted on Acast. See acast.com/privacy for more information.

https://www.recoveringfromreligion.org/vulgarity-for-charity     Trump administration posts notice that no federal food aid will go out Nov. 1 A judge is set to decide whether SNAP benefits can be cut off on Saturday Obamacare Prices Become Public, Highlighting Big Increases - The New York Times Mike Johnson Dismisses Trump Third Term Talk — But Applauds the 'Trolling' - The New York Times It's Unconstitutional, but Trump Keeps Musing About a 3rd Term Judge Questions Gregory Bovino Over Immigration Crackdown Tactics - The New York Times Appeals court blocks judge's order requiring daily briefings on Chicago immigration sweeps | PBS News ICE invokes Halo remake, seeks recruits to 'destroy the flood' Man finally released a month after absurd arrest for reposting Trump meme - Ars Technica Trump says he wants to resume nuclear testing. Here's what that would mean White House website posts topless pic of trans woman in response to critics of East Wing destruction - LGBTQ Nation

Matt Jones and Drew Franklin dive into NFL Week 9 after Matt was in attendance for Bears/Bengals! Matt had never witnessed a Bears victory in person, but explains the roller coaster of emotions through the Bengals comeback and ultimate Chicago win. The BIlls notch their 5th straight regular season win over the Chiefs. Turnovers found the Colts, who take a loss to the Steelers. An extra point makes the difference in the Patriots win. Matt pauses to rank the celebrity couples in the NFL. The Broncos get a game winning FG over the Texans. The Jaguars hold off the Raiders for an OT win, including a recording setting 68yd FG for Cam Little. JJ McCarthy throws 2 TDs in the Vikings win over the Lions. An upset win for the Panthers over the Packers. The Chargers hold off the Titans. Mac Jones leads the 49ers to a win over the Giants. Sam Darnold and the Seahawks cruise past the Commanders. We wrap up with Survivor League picks and the TD Parlays. See omnystudio.com/listener for privacy information.

Kate, Leah, and Melissa dive into the legal pushback over ICE and the National Guard in Chicago and Portland, anti-marriage equality goblin Kim Davis's unwelcome return to the courts, the administration's lawless strikes on boats in the waters around South America, and the specter of Trump 3.0. Then, they preview November's SCOTUS cases, including Learning Resources v. Trump, which challenges Trump's authority to impose tariffs under the International Emergency Economic Powers Act. Favorite things:Leah: Task (HBO Max); West End Girl, Lily Allen; The Kavanaugh Stop - 50 days later, Chris Geidner (Law Dork); The Supreme Court's Self-Defeating Supremacy, Steve Vladeck (The Supreme Court Review); God's Chief Justice, Doug Bock Clark (ProPublica); Lawyers March for Democracy on November 15 at 1-3pm.Kate: The Emergency, George Packer; Expert Backgrounder on War Powers Resolution 60-Day Clock for Boat Strikes Expiring Monday, Rebecca Ingber and Jessica Thibodeau (Just Security)Melissa: Impermissible Punishments: How Prison Became a Problem for Democracy, Judith ResnikHurricane relief for Jamaica:The WalkGood Jamaica Relief FundThe American Friends of JamaicaGlobal Empowerment MissionMercy CorpsFood for the Poor Jamaica Get tickets for STRICT SCRUTINY LIVE – The Bad Decisions Tour 2025! 3/6/26 – San Francisco3/7/26 – Los AngelesLearn more: http://crooked.com/events Get tickets to CROOKED CON November 6-7 in Washington, D.C at http://crookedcon.com Order your copy of Leah's book, Lawless: How the Supreme Court Runs on Conservative Grievance, Fringe Theories, and Bad VibesFollow us on Instagram, Threads, and Bluesky Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

This episode is ALARMING, listener! Claire Sundbye is a queer stand-up comedian and writer that opens for Ashley all across the Midwest, but today she's in the apartment to open up Pandora's Box — because she's suddenly BANGING MEN?!?! We discuss sleeping with men and enjoying it after living as a lesbian for your whole life, why this may have happened, the sexual and emotional trauma fueling it all, and growing up queer surrounded by the notoriously hateful Westboro Baptist Church. Also we talk about cruises.  Follow Claire on IG & TikTok: https://www.instagram.com/lilshrimpsnack/  https://www.tiktok.com/@lilshrimpsnack  And see here live in Chicago at one of her weekly shows: -https://laughfactorychicago.standuptix.com/events/fresh-faces-chicago-15  -https://www.eventbrite.com/e/comedians-you-should-know-cysk-at-timothy-otooles-pub-tickets-168198250495  FOLLOW ASHLEY GAVIN @ashgavs TikTok: https://www.tiktok.com/@ashgavscomedy Instagram: https://www.instagram.com/ashgavs/ YouTube: https://www.youtube.com/@ashgavs Twitter: https://twitter.com/ashgavs SUPPORT OUR PODCAST: Watch this UNCUT: https://www.patreon.com/WHGS Merch: https://shop.merchcentral.com/collections/ashley-gavin Watch on this YouTube: https://youtu.be/vsQlFCgW3o4  PRODUCED BY SWETSHOP: Instagram: https://www.instagram.com/swetshop.tv/ ______________________________________________ SUPPORT OUR SPONSORS: HELLOFRESH: Get 10 FREE MEALS + FREE breakfast for LIFE at https://www.hellofresh.com/gay10fm Learn more about your ad choices. Visit podcastchoices.com/adchoices

We begin our look at the 15 teams in the Eastern Conference with a survey of where 8 teams stand with some of the most interesting storylines for the first 2 weeks of the season.Miami Heat —How the Heat reinvented their offenseChicago Bulls — 13:24 — What is sustainable and what isn't about Chicago's start?Detroit Pistons — 23:21 — Jalen Duren is keeping the Pistons offense afloatAtlanta Hawks — 33:56 — Post Trae path is defense and transitionCleveland Cavaliers — 43:58 — Donovan Mitchell's shotmaking is carrying a thin offenseMilwaukee Bucks — 51:39 — Ryan Rollins, starting point guard?Indiana Pacers — 58:49 — Short handed Pacers steal one with fourth quarter free throwsNew York Knicks — 1:10:33 — How has Mike Brown changed the offense? Join Dunc'd On Prime! It's the only place to get every episode with Nate & Danny, plus every pod with John Hollinger & Nate as well!Use code PRESEASON25 for 35% off an annual subscription!Subscribe on YouTube to see our hilarious faces and, more importantly, see watch this free pod twice a week.Or, sign up for our FREE mailing list to get Dan Feldman's Daily Duncs with all the major topics around the league twice a week. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

From Trump ordering unlawful military strikes on boats in international waters - murdering dozens of human beings, to Trump saying he can order soldiers into the street of US cities and even the courts can't stop him, Trump behavior vis-a-vis the military is getting more dangerous and lawless by the day. Two members of the Illinois National Guard have spoke out publicly, announcing that they would not obey unlawful order from Trump to deploy to the streets to Chicago. Glenn discusses these and other military-related developments with law professor and military law expert Dan Maurer. Follow Dan on Substack: https://dmaurer.substack.com/Follow Glenn on Substack: https://glennkirschner.substack.comHow this content was madeSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

In this new episode, Crawlspace Media's Tim Pilleri and Lance Reenstierna host a live Youtube show with Paul Jack Fronczak and Tracey Hastings of The Fronczak Files podcast. Jack has an absolutely wild story about being found abandoned at about 2 years old. He was given to the Fronczak family after the FBI made a connection between the abandoned baby in New Jersey in 1965 and a newborn stolen from a Chicago hospital in 1964. Jack lived as Paul Fronczak for decades until eventually taking a DNA test and opening up the incredible mystery of his true identity. Missing Jill Rosenthal: ⁠https://www.missingkids.org/blog/2022/finding-the-missing-piece-brother-searches-for-twin-sister⁠. For more on Jack's story, check out his official site: ⁠⁠www.foundlingpaul.com⁠⁠. Check out the Fronczak Files podcast: ⁠⁠https://www.thefronczakfiles.com/⁠⁠. Follow them on Youtube: ⁠⁠https://www.youtube.com/@TheFronczakFiles⁠⁠. Apple: ⁠⁠https://podcasts.apple.com/us/podcast/the-fronczak-files/id1821960075⁠⁠. Spotify: ⁠⁠https://open.spotify.com/show/3194WehXg2DF0r56mlhnd1⁠⁠. IG: ⁠⁠https://www.instagram.com/thefronczakfiles/⁠⁠. FB: ⁠⁠https://www.facebook.com/thefronczakfiles⁠⁠. Jack's books: ⁠⁠https://www.thefronczakfiles.com/books⁠⁠. Main podcast theme by Kevin Macleod. Check out his work at⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://incompetech.com/⁠⁠⁠⁠⁠⁠. Additional music by David Williams. See his work at⁠⁠⁠⁠ ⁠⁠http://williamsflutes.com⁠⁠⁠⁠⁠⁠. Follow Missing: IG: ⁠⁠⁠⁠https://www.instagram.com/MissingCSM/⁠⁠⁠⁠. TT:⁠⁠⁠⁠ https://www.tiktok.com/@missingcsm⁠⁠⁠⁠. FB:⁠⁠⁠⁠ https://www.facebook.com/MissingCSM⁠⁠⁠⁠. X:⁠⁠⁠⁠ https://twitter.com/MissingCSM⁠⁠⁠⁠. Spotify:⁠⁠⁠⁠ https://open.spotify.com/show/0yRXkJrZC85otfT7oXMcri⁠⁠⁠⁠. Youtube:⁠⁠⁠⁠ https://www.youtube.com/missingcsm⁠⁠⁠⁠. Apple:⁠⁠⁠⁠ https://podcasts.apple.com/us/podcast/missing/id1006974447⁠⁠⁠⁠. Follow Crawlspace: IG:⁠⁠⁠⁠ https://www.instagram.com/Crawlspacepodcast⁠⁠⁠⁠. TT:⁠⁠⁠⁠ https://www.tiktok.com/@crawlspacepodcast⁠⁠⁠⁠. FB:⁠⁠⁠⁠ https://www.facebook.com/Crawlspacepodcast⁠⁠⁠⁠. X:⁠⁠⁠⁠ https://twitter.com/crawlspacepod.⁠⁠⁠⁠ Spotify:⁠⁠⁠⁠ https://open.spotify.com/show/7iSnqnCf27NODdz0pJ1GvJ⁠⁠⁠⁠. Youtube:⁠⁠⁠⁠ https://www.youtube.com/crawlspace⁠⁠⁠⁠. Apple:⁠⁠⁠⁠ https://podcasts.apple.com/us/podcast/crawlspace-true-crime-mysteries/id1187326340⁠⁠⁠⁠. Check out our entire network at⁠⁠⁠⁠ http://crawlspace-media.com/⁠⁠⁠⁠. Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode, Ken and Michael Motew, brothers and co-CEOs of Mo2 Properties, share how they built their Chicago-based real estate firm from 12 properties during the 2008 crash into a thriving 800-unit portfolio, emphasizing trust, hands-on leadership, and the power of calculated risk in entrepreneurship.

PODCAST LAS NOTICIAS CON CALLE DE 3 DE NOVIEMBRE 2025 -  NO DE TRUMP A LA ESTADIDAD para PR - Truth TRUMP echa pa atrás y ahora dice que quiere pagar SNAP y cupones - Truth Sigue siendo delito asesinato de mujeres, solo hay polémica sobre se llama feminicidio o no - Primera Hora Demotion o no para secretario de Agricultura - El Nuevo Día Baja a votación ley para eliminar escoltas a futuros gobernadores Gobernadora vuelve a nombrar otro comité ahora para impuesto del inventario - El Nuevo DíaPresupuesto ha sido ideológico no ha sido real austeridad - El Nuevo DíaGobernadora dice que su logro y su meta es … CESCO DIGITAL, pero en otras agencias - El Nuevo Día Negocian para contrato de Gas Natural con la Junta y la gobernadora - El Nuevo Día Ya Energiza nos dice que no va a ser más caro el costo de su planta y que van para finales de la década- El Nuevo Día ¿Vale la pena meterle tanto dinero a incentivar big Pharma cuando ya no crea los empleos que antes? - Cuarto Poder Niño tira petardo mientras camión echaba gasolina, lo buscan a él y a su madre - WUNORecortan dinero para cuidado histórico - El Nuevo día Familia de la gobernadora dice que no hay investigación sobre casa de la Parguera - El NuevoDía Turista de Chicago alega que tres mujeres le echaron algo en bebida para robarle Rolex y otras pertenencias - Primera HoraLa contralora pide poderes - El Nuevo DíaHarán pruebas nucleares, sin hacer explosiones dicen jefe de energía federal - NyT Trump dice no a tomahawks para Ucrania, por ahora, aunque Dpto de Guerra había dicho que sí - Reuters Trump considera meterle ejército a Nigeria por genocidio de cristianos - WSJTrump insiste en acabar con el filibusterismo para reabrir el gobierno federal  - Truth Llegó el momento de las arañitas a Martins BBQ! Pide el mejor y más sabroso pollo asado a la vara de Puerto Rico en combo con arañitas de plátano…fresquecitas, acabaditas de hacer en Martin 's BBQ, Justo como te gusta!  Entregando con Ubereats y Doordash en tiendas participantes,Pide tus arañitas en MMMMartins BBQ comida fresca, hecha todos los dias.Asado, Jugoso, Sabroso..hoy voy pa Martins bbqIncluye auspicio 

Register here to attend the live virtual event "How to Scale Your Portfolio, with Tenanted Cash Flowing, New Construction Properties" on Thursday, November 13th at 8pm Eastern. Keith introduces a profound life perspective: humans are typically allotted only 30,000 days. What will you do with the days you have left? Every moment not spent building wealth is a moment lost forever. Adam Schroeder, a real estate investment strategist, joins the conversation to talk about current opportunities with new build properties with significant builder incentives and the potential for high appreciation. Resources: Switch to listening to the podcast on the Apple Podcasts or Spotify app, as the dedicated GRE mobile app will be discontinued at the end of the month. Show Notes: GetRichEducation.com/578 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— text 'GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript: Keith Weinhold  0:01   Keith, welcome to GRE. I'm your host. Keith Weinhold, the real estate market is slow when this happens in a cycle. What does it mean to a real estate investor? What type of return can you really expect today? I'll tell you exactly, and you'll be surprised. Learn more about new build properties and why investors often prefer DSCR loans over conventional loans today on get rich education,   Keith Weinhold  0:28   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  1:13   You're listening to the show that has created more financial freedom than nearly any show in the world. This is get rich education.   Keith Weinhold  1:29   Welcome to GRE I'm your host. Keith Weinhold, yes, America's favorite shaved mammal on a microphone is back with you for another wealth building week. Just the talking primate that's heavily mortgaged here. I'm also a landlord still waiting for a security deposit from back in 2018   Keith Weinhold  1:51   Hmm, oh, I'm so into self deprecation today that I forgot about the place names hitting you, from Dover, Delaware to   Keith Weinhold  2:01   Andover, Massachusetts and across 188 nations worldwide, you're listening to get rich education. There's a realization that can sharpen your investor focus when you think about the fact that, in a sense, how little time you are allotted in your life. It's something that I've thought about more. You're only given about 30,000 days. That's the typical lifespan of a human being, and that goes for both shaved mammals and others. Well, you've already spent 1000s of your 30,000. The question is, what are you doing with the rest? At some point, people understand or they better that they need to go out on a limb. There are people less qualified than you living the life you want to live simply because they chose to believe in themselves, and really, that's the moment everything shifts. belief. It's not a feeling. It is a decision backed by action. Too many people learn this lesson the hard way. They discover, often too late, that relying on one income stream is the most dangerous financial plan of all. A job can vanish. Federal Workers found that out amidst a government shutdown, a business model can change. AI can intrude. A paycheck can stop. But when you own assets that pay you month after month, no matter what you're doing, you slowly begin to untether yourself and move toward freedom. And here's the truth about pain and money. Poor and middle class households work for money, so to them, that's why every dollar spent feels like a little loss. It can even hurt, and that is why they hesitate even on opportunities that could change everything. The wealthy, on the other hand, own assets that pay them, so therefore every dollar spent feels like a seed, because it grows when you own enough income property, you can move away from constantly asking yourself, can I afford this? And start asking, What will this investment earn me? Over time, this mindset shift changes everything at that time when other people's money starts working for you, not the other way around.    Keith Weinhold  4:45   And here's the thought experiment I use, take the hourglass of your life and flip it, watch the sand fall. That's time, 30,000 hours, 30,000 grains. That is. Is time the one resource that you cannot get more of. So every day you delay prudently investing the sand does not pause. It just keeps flowing. But you can choose how that time compounds the sand that's left over and hasn't fallen through the neck of the hourglass. Yet that is your opportunity to build multiple income streams from real estate, from ownership and from leverage, it is your chance to replace anxiety with well autonomy. Every family with generational wealth can trace it back to one person, one risk taker who decided to stop trading hours for dollars. They believed in ownership and control. They believed in themselves. They acted before the sand ran out. If you've already started real estate investing, well, then you've already begun to break that cycle. If you've done it for a time, you're going to have more time, more income and more options than you had before. That is worth celebrating and scaling, because the best time to start was yesterday, and the next best time is before the next grain of sand hits the bottom.    Keith Weinhold  6:22   Later today, I'll talk about taking this sentiment and moving it towards something very specific and actionable. Now, in this era, the real estate market is slow. That is in terms of transaction volume, there just aren't as many sales. Sometimes this whole thing feels more sluggish than Jabba the Hutt after Thanksgiving dinner.   Keith Weinhold  6:49   5 million is a typical number of existing homes sold every year in the US. 5 million. That's normal. That's baseline during the pandemic frenzy. It reached over 6 million, and now it's about 4 million. That's why I say that housing transaction volume has slowed, and appreciation is only about 2% that's below historic norms, and rent growth is like barely doing push ups. It's two to 3% in single family homes volume now it has picked up a little here lately with lower mortgage rates, and so have home prices. Redfin now tells us that home price appreciation is 3% but most outlets say 2% some analysts that are more optimistic than me call today's housing market healthy. They don't call it slow. And why is that? Well, it's the healthiest it's been since covid, because now you have a good balance of buyers and sellers. The real estate market isn't so miserably deprived of inventory like it was back in 2022 in 2023 but I am going to go with slow now, as you know, I coined the phrase real estate pays five ways back in 2015   Keith Weinhold  8:09   But how exactly does that hold up in today's slow transaction market? Could an income property buyer's return even be disappointing now? Well, let's do it. Let's determine what you can expect if you purchase an investment property here in these slow market conditions, we'll determine your total rate of return in year one. And you know, this will be sort of like dating someone that's not the first date, but to really get to know them, to know if they're potential spouse material. You want to see them at their worst and be sure that they look good on their bad days. So let's just be conservative and use 2% home price appreciation. Say that you buy a 200k single family rental. Now a 20% down payment means 40k down. Sellers are willing to give you concessions now, say that they're going to pay your closing costs, because the 200k that you're paying is their full asking price, so it's your terms and their price. Well, say that you don't get any cash flow. The rent only covers the expenses exactly. Okay, so we're really painting on a not so pretty picture. Here, it would seem. Here we go, in a slow market, the first of five ways you're paid is that erstwhile appreciation. Your property only appreciates 2% from 200k up to 204k not so exciting, until, of course, as we know around here, you realize that your return is your gain on your skin in the game, your 4k gain divided by your 40k down payment gives you a 10% ROI. There it is leverage. Didn't just show up. It brought donuts. 10% just from the first of five ways you're paid. The second way is cash flow. Say that rent minus your 160k mortgage payment here and your operating expenses, that merely breaks even, like I was saying. So 0% additional return from cash flow. And before we add on numbers three, four and five to get your total rate of return in a slow market, let's take a moment to check on Jabba. How's Jabba doing? No, Jabba still hasn't gotten up from that heavy Thanksgiving dinner. It's still a slow market. We've confirmed that we're going to continue   Keith Weinhold  10:41   the third way you're paid, as any GRE listener knows by now, is with that ROA return on amortization, also known as principal pay down with a 7% mortgage rate in your 160k loan on this property, an amortization table shows you 1625 bucks a tenant made principal pay down. Divide that by your 40k down again, that is another 4% return. All right, so you add that to your 10% from leverage depreciation, and you've now got 14%   Keith Weinhold  11:17   next is your tax benefit. It's a 150k structure value, not the full 200k because raw land can't be depreciated. Multiply that by 3.6% depreciation, that means you've tax sheltered 5400 bucks. That is like a phantom loss that you get to show the IRS. Just a little more math here, and this is as far as you have to stretch it, in visualizing numbers in an audio format at a 24% income tax rate. That is 1296 saved on 40k down again, another 3% for you, and your running total is a 17% ROI before we get to the last one, which is inflation profiting, not inflation hedging, which almost everyone mistakenly says in real estate investing, it is inflation profiting.    Keith Weinhold  12:13   Your 160k loan gets eaten by 4800 bucks at a 3% inflation rate, divided by 40k down. And you know, inflation is usually the villain. Now it is the hero. You've got another 12% from inflation profiting. And here's the sum in this slow market, your total year one rate of return is 29%   Keith Weinhold  12:43   and you're like, my gosh, did that really just happen? Now you might want to skip back on some parts of that to help make it crystallize in your mind. I've got to tell you before I ran these numbers in this slow market with this 2% appreciation and even assuming zero cash flow, I thought your total rate of return would be in the low 20s, not this high, not 29%   Keith Weinhold  13:09   the numbers don't lie. They just don't get enough attention on CNBC.   Keith Weinhold  13:16   Now I did use shorthand and simplify. You would also have to adjust your 29% for inflation, just like you do for any investment. So then about a 26% inflation adjusted return for you. Wow. And if you want to know more about what I just used shorthand on, you can always watch the five videos on the five ways real estate pays for free at getricheducation.com/course that's get richeducation.com/course, the most valuable video course you'll ever see on real estate investing, but a huge investor lesson here, an epiphany today, is that it does not take a high growth market to build wealth. Even when it seems like real estate's half asleep, it can still work five jobs for you, we could be near the nadir of the cycle here.    Keith Weinhold  14:16   Appreciation has picked up in recent months, with mortgage rates being lower than they've been in a while, but even when appreciation and rent growth slows now, you can see that the ROA tax benefit and inflation profiting just keep working overtime. The bottom line here is that income property still pays a lofty 29% if you buy today, even in a slow market, and this is at a time when investors, a lot of them, don't know what to do with their money, since every market type seems to be near an all time high, and people don't want to buy in at those high levels, and savings accounts pay you less than a gumball machine, owning investment property proves its resilience. I mean, this is why we do this. It's kind of like stocks can party with a surge in an upcycle, and then they can bust and boom and bust and boom. But all the while, instead of partying, real estate just keeps its head down and works the night shift for you, your wealth quietly compounds in the background while the rest of the world panics or debates interest rates on LinkedIn or something.    Keith Weinhold  15:33   All right. Well, with that in mind, where can we take advantage of that real estate return and expect to do even better with it, even if the market did stay slow. Well, builders have unsold inventory in places like Texas and Florida, like I mentioned before, and to a lesser extent, in parts of the West as well, but the prices are too high out in the west for a cash flow investor. So today, you can buy at a discount in a way that you absolutely could not during the height of the pandemic.    Keith Weinhold  16:06   A guest and I are going to talk about a specific opportunity in today's market, and then how you can exploit it. The National Association of Homebuilders has even noticed that home flippers have switched gears, and increasingly, what flippers are doing is instead buying new build properties and then renting them out, because new builds have lower upkeep costs come with a lower mortgage rate because the builder is buying it down for you, they have lower insurance and they attract a better quality tenant that stays longer, even if the HVAC did break. That's okay, because new build homes often come with a warranty. The smart money knows that new build is where the opportunity is today. That's something that I've discussed for a while here, but today we're getting more actionable. CNBC let us know that the CJ Petra company reports that investors now make up the highest share of Homebuilders in five years. And you'll recall that we've had CJ Patrick, company founder, Rick sharga, on the show a lot with me here the past few years. Some say that the smart money is waking up again. I don't know investor activity is steady, but it's not really that much. It only seems like a lot because the wannabe owner, occupant, buyer has been priced out. So it's better to say that investor activity has been steady. Investors bought fully 1/3 of single family homes this past summer, and that is up from 27% in q1 I'll discuss that more soon.    Keith Weinhold  17:44   Hey, you know one thing that makes GRE different is that our show sponsors are here to supplement and benefit your specific investor activity. And another thing is that I use them myself. Thank God we are not here to tell you about pneumococcal pneumonia or your moderate to severe plaque, psoriasis. I don't even know what that stuff means. Freedom, family investments and Ridge lending group. I very know what they're about. I'm a satisfied client with each of them myself. So listen in.    Keith Weinhold  18:21   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 1937795898, 377958989, yep, text their freedom coach directly. Again, 1-937-795-8989,   Keith Weinhold  19:32   the same place where I get my own mortgage loans is where you can get yours. Ridge lending group NMLS, 42056, they provided our listeners with more loans than anyone because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage. Start your prequel and even chat with President Caeli Ridge personally while it's on your mind, start at Ridgelendinggroup.Com, that's Ridge lending group.com   Kathy Fettke  20:05   this is the real wealth network's Kathy betke, and you are listening to the always valuable get rich education with Keith Weinhold.   Keith Weinhold  20:14   I'd like to welcome in a new guest to the show. He is a real estate investment strategist that's been working in the media industry since 2001 and throughout the career, he's held the title of a local news reporter, podcast host and producer for nationally syndicated companies like NPR. He's been in real estate nearly 20 years. Adam Schroeder, welcome to the show.    Adam Schroeder  20:48   Thanks for having me on. I really appreciate it.    Keith Weinhold  20:50   Yeah, I'm looking for your read on today's real estate market, just the general landscape overall, because Adam, I've shared that national transaction volume is down about 25% appreciation is still there, although it's been slow. Rents are just steady. We do, however, still have this supply that is down among entry level homes, something a lot of media articles broad brushstroke and don't understand, and really it's still a valid question to ask, even today. Is there any better risk adjusted return than income property that's bought, right? So what are your thoughts on the overall real estate investing landscape?   Adam Schroeder  21:30    Yeah, overall real estate investing, it's kind of like what you said, entry level housing. I remember I saw a heat map. This was probably five or six this was pre covid. It was maybe even seven or eight years ago. It was a heat map that showed, like, new construction, home pricing, and, you know, there was like 500,000 and up. Was just this massive chunk. And then there was all these ones, ones that were under about 300,000 it was around, like six or 8% or something like that. It was really, really small. If you look around, it hasn't gotten bigger. And so the question of inventory and availability and pricing, they're never going to talk about it on the national media, because there is no entry level home in Chicago, in New York, in LA, you're not going to find that. I mean, you're paying 200 grand for a doghouse in the backyard, if you're there. And so we are finding the entry level housing, but I think right now, an oversupply of inventory in some of these markets is a very good opportunity for people. If you're buying for with the right fundamentals, if you're buying in an area that's growing and has good long term, you know, 8,10, 15 year diagnostics. Then if you're buying now with builder incentives and all of that, yeah, your year one, year two, year three. Appreciation may not be the greatest because of that oversupply, but if you look at what's happening now with construction starts in a lot of places, builders have gotten scared off. They're not really starting them now. So if you're buying new now, in 2,3,4, years, all of the inventory will be sucked up, and there won't be new homes coming to the market. So you're going to be one of those people who has one of the newest homes in the area, more people are going to want to be getting in. And so your appreciation and rent growth is much more likely to be growing. So that's one of the things I love to look at, is I look at what new home starts, what happened in the past, what was oversupplied, but now, who's what cities aren't building. And if I know what cities aren't building, then I can compare it to, okay, well, you know, there are some cities in California that aren't building anything I'm not going to buy in California, but there are some cities in Minnesota, in Oklahoma, you know, in Texas, where they're not building anymore. And if it's landlord friendly and can cash flow and all of that, Sign me up. I'm bullish on parts of this, of the United States real estate market, not the whole United States real estate market.    Keith Weinhold  23:55   It's been pretty well documented that parts of the nation are overbuilt. However, especially in Florida and Texas. And I brought up the point months ago Adam that if you buy, say, a new build income property in temporarily overbuilt pockets today, five years from now, looking back five years onto today, you could be like, Yeah, I bought five years ago, when some areas were actually overbuilt, and I snagged a deal, and the builder was even giving me incentives like my rate at that time, because, you know, long term, the demand is going to be there and that the absorption is going to be there. So it's about knowing what's happening and then identifying the right time in that cycle. In today's environment, some feel that DSCR loans are a better option for investors, and what that means a debt service coverage ratio loan is that you qualify for the loan not with your personal income, but instead with the property's income. Do you see more investors employing dscrs?    Adam Schroeder  24:55   We see a ton for a really good reason. That is simply put, especially if you're utilizing these builder incentives, buy down rates on DSCR frequently outperform ones with conventional like some of the lenders we're working with. I look and let's say you're putting 4% I looked at it this morning with an investor with 4% of purchase price towards your loan on a DSCR loan, you're down to 5.49% on a DSCR, but conventional, you're at 5.75 that doesn't happen for the most part. It's just something that right now, the risk profile of investors is allowing the rates to be either at or better than conventional many times. Plus, people love to put their properties in LLCs for protection, and they'll worry with conventional, oh, what if a due on sale clause gets triggered, even though it's really hard to trigger that, if you worry about it, well, why not just get a loan that's equal or better than a conventional that doesn't go on your you know, debt to income and can go straight into the LLC to begin with, and then your hands are clean the whole way through, and you're not having to worry about transferring titling. Honestly, my wife is about to murder me because I have some properties that were meant to go into an LLC two years ago that are not currently in an LLC.   Keith Weinhold  26:17   Well, hopefully you'll live until the end of this interview. Tell us more about DSCR loans, and maybe some that, no you talked about the upside, maybe some red flags and some things to look out for, times when we would not want to employ that loan type.    Adam Schroeder  26:30   A lot of it with the DSCR you're looking at like you said, they're not evaluating you necessarily. Now you do have to show reserves. You do have to show that the property will perform on its own. But sometimes full doc loans with conventional can be the way to go, because, like I said, in the past, it used to be that DSCR loans were three quarters of a percent, or a full percent higher than the DSCR. Or, yeah, DSCR was higher than the conventional. And so if you could get a four and a half with a conventional versus a five and a half on a DSCR. It's well worth the extra paperwork that might come with doing it to save yourself that money and really build up your cash flow. We are just in a very awkward time of investing, where the investors for DSCR loans, the people who are buying those mortgages, are not the same people who are buying the Fannie Mae Freddie Mac secondary loan market, and so they just have different risk profiles, which allows the rates to be different. So that's really the big thing. Is, if you've still got your Fannie Freddie slots, it's worth talking to your lender and saying, what would it look like if I did this loan? What would it look like if I did that loan? Where am I? But when it's all said and done, if you're really close or equal, I would almost always skew towards the DSCR to protect myself, go straight into an entity and keep it off of my debt to income ratio, plus on dscrs. You also have the option, and we don't recommend this for every property or even for certain people, depending on risk profile, but you have the option to do an interest only loan with 20 or 25% down, which allows you to do kind of what we call cash flow management, where people get worried about interest only loans and say, Well, I'm not building equity. I'm not doing this, not doing that. Well, you're not, but you're also, you can still put principle towards your loan every month, right? Like a principal loan, maybe you're throwing 200 bucks a month, a principal towards that. Well, with an interest only loan, you can still put that $200 in. But what it means is, if there's a month where maybe you have some repairs that need to be done, or something like that, don't pay the principal and on the interest only, you're still okay on a principal and interest. If you can't pay that, if you just pay all the interest, they're still going to say, well, Keith, you're late on your loan, right? And so it gives you a little bit more flexibility, but it's not for everyone. It's not for every property, so definitely talk with lenders about that. But conventional loans don't offer that. DSCR loans can.    Keith Weinhold  28:53   There's always opportunity in every real estate market. It's just identifying what those are and then ethically exploiting the opportunity. So we're talking about buying in areas that are temporarily overbuilt utilizing DSCR loans. And another advantage in this market, which is an aberration, is the fact that new build properties, like few times in history, if any, actually cost less than renovated existing properties.    Adam Schroeder  29:20   Yeah. I mean, when you can get into, you know, an A class neighborhood with 80% owner occupied, 90% owner occupied, and you're getting in for way less than the median cost of a home in the US. You mean, you're getting in for, I mean, we've got new builds in the 220 range on some of them up to 400 you know, which is still below the median cost. Yeah, that's really good. If you're looking to get into any a class neighborhood, or even B plus neighborhood, finding a property that's 200 $250,000 in those areas is tough. It's just tough. And so especially because as pricing went up for everything with inflation, you know you can't do. Do a cheap rehab anymore. If you're going to do a good rehab, you can't do a cheap rehab. I talk to our teams all the time and tell me, Hey, I did, you know, I only spent $70,000 to renovate this property and like that is a lot of money. I know you're getting it out whenever you do the burn, you know, or sell to an investor, but still a lot of money to put in to get there.    Keith Weinhold  30:20   Well, then let's talk about identifying possible growth markets for long term investing success. New build properties tend to appreciate better than rehab properties. And you know what's funny, Adam, I was just sharing this with my audience on a recent episode. I largely disagree with this long time investing axiom in real estate that says appreciation is just icing on the cake. I think I know what they're saying that doesn't help you out on a month by month basis, but we're in real estate investing for the long term and long term, more of your returns typically come from leveraged appreciation than they do on the cash on cash return from cash flow. So to me, appreciation is not just icing on the cake. In a lot of cases, it is the cake. And really, that's something that new build can offer more of.    Adam Schroeder  31:09   Yeah, I mean, it's almost in, especially in today's market, it's almost like cash flow is the icing on the cake. You know, you can get a property that, you know, is in that really good area, like we're talking about, and is, maybe it's appreciated a little bit now, but it's very likely to appreciate a lot later. If you're only making, if you factor everything in maintenance, vacancy, all of that, and you're making $100 a month, that's solid, you know, if you look at it, and if you're in those areas, if you appreciate 5% on a $300,000 property, let me tell you this, you're not going to make $15,000 in cash flow that year on that property. So if you look at the people who are really retiring on cash flow, are usually the people who have 100 200 300 doors or something like that, and they play the law of large numbers. I don't want to play the law of large numbers personally, I want to have really good quality assets and have fewer of them, and really work on having positive cash flow, but having the equity growth that allows me to pull money out tax free and either buy more investments or utilize how I want in my life.    Keith Weinhold  32:16   Exactly. If your property cash flow is $100 a month and it's a single family home. Some people say, Oh, that's awful. You would need 100 of them just to get 10k pass it per month. Now you're thinking wrong, and you're oversimplifying it like to your point, with the 300k home and 5% appreciation, that's 15k in one year, you're building equity that can be borrowed against, tax free, and you're building up that lump sum cash flow windfall down the road, if you will, in real estate pays five ways and cash flow matters, but it's only one of five profit centers and all that. So yes, we're so aligned on that one, appreciation is not just the icing on the cake, it's substantially more than that. Well, I've got something to announce. Adam here is going to co host, along with our own longtime investment coach, Naresh, an upcoming live virtual event. And it's called how to scale your portfolio with tenanted cash flowing new construction properties. And it aligns in every way with the trends that we've been talking about and that Adam and I have been identifying here. The event takes place next week. But first, tell us more about what you and the ray shall be speaking about at the event there. Adam.   Adam Schroeder  33:29    one of the biggest concerns people have about real estate, and one of the things that can eat in your cash flow more than anything, is vacancy. I mean, vacancy can kill your deal whenever it's all said and done, because it's one thing, if you're, you know, break even or $100 a month positive cash flow. But whenever you've got a vacant property and you're negative $1,500 a month, that can hurt, that can hit the wallet. And so what we really love, if you can hit it, is a tenanted property that's new and is in a growing area, yeah, and we've got that thankfully. I mean, we've been able to work some really good relationships with national builders that have allowed us to get into they were doing a lease to purchase option with tenants who wanted to buy their property but didn't have it saved up, and these people didn't exercise their option, but they've renewed their lease so you can come in and buy a property that has them in place. It is a house that they wanted to buy. So how long are they likely to stay? Probably quite a while. They like the school district, they like the neighborhood. They like everything about it. You're coming in, you've got the builder incentives we talked about before, and you're just in a positive cash flow position already. Now we're in Texas, which I was actually funny enough. Earlier, right before this interview, I was reading about the states that are going to grow the most, projected until 2050 and they expect Texas to grow by nearly 9 million people between now and believe it was 2050    Keith Weinhold  34:55   everyone's asking, when is it going to pass? California is the most populous state in the nation.    Adam Schroeder  35:01   Well, it depends how many people. In California are part of that 9 billion we've gotten quite a few of them there. As somebody who lives in Texas, and we're in the big cities too. We're not in the Podunk Texas towns you think about in, you know, east or west Texas. We're talking Houston, Dallas and San Antonio, which are three of the top, I believe, 15 largest cities in the country. We're getting some really good incentives. You can get up to right now, 10% builder incentive. So a $300,000 house, you have $30,000 that you can use. That's massive. Yeah, you can get that money back after closing. We can buy your rate down. And we have some people who have literally taken the whole 10% and put it towards a fixed 30 rate at four and a quarter percent. Wow, they are locking themselves in at four and a quarter. Or we have some people who say, like, we were just talking about cash flow is not a concern for me. I'm going to take half my down payment back, and I'm going to go buy another property, because I'm only in this property for 10% now, and so they're able to be, you know, roughly break even in a good growing area, and they can acquire a second property. So you're buying two properties without mortgage insurance for essentially a 30% total down payment, and you're getting your 10% back if you buy the second property. So it's just really incredible time. Like you said, we haven't seen a time like this before. We were able to get into the wholesale division of these builders and provide these incentives that I've personally never seen before. Some of our reps are buying these homes themselves, so we're putting our money where our mouth is. It's just a great time, especially like you were saying, these homes the inventory, take advantage of the opportunity, right? And there's an opportunity that's presenting itself. And if you look at the long term demographics of Houston, Dallas and San Antonio. It's an arrow pointed up. That's what those areas are.    Keith Weinhold  36:46   100% I mean, it's almost as predictable as anything. There's never a guarantee, but continued population growth and obvious need for housing there is about as close as you can get. That's massive. 10% back, 380k purchase, $38,000 back at the closing table to use in discount point buy downs completely or half on discount point buy downs and half to pocket and use on another property or use on your next vacation or whatever you want to do. That's massive.    Adam Schroeder  37:18   Yeah, it's fantastic. One thing I forgot to mention about Houston. It's one of the things I love that people don't think about has the third most headquarters of fortune 500 companies in the country, behind New York and Chicago. So people don't think about that when they think of Houston. But I love to throw that out there, because it's there. I love Houston. I lived there for seven years. It's where I met Naresh, actually, and would happily move back there again   Keith Weinhold  37:42   right? Houston has moved so far past the monolith of just having oil be the economic driver. So we're talking about tenanted new construction properties in pretty hot markets, Houston, San Antonio and Dallas ready for you to purchase with that 10% builder incentive. And these are in communities that are primarily owner occupied, so they do have that high appreciation potential and that potential for solid rent growth. So on the live event, the webinar that you are invited to attend from the comfort of your own home, what you can do is just learn more about this overall strategy and why the time in the market is right for this. Learn more about those geographic markets themselves and then their drivers, and even see available new build income property. And the benefit of you attending a live is that you can have any of your questions answered right then and there. You can sign up at grewebinars.com, and Adam, before I ask you if you have any last thoughts, that event is next week. It is Thursday, November 13, at 8pm eastern time again, you can sign up. It is free. Space is limited, so that's something that you want to do now at grewebinars.com, any last thoughts? Adam   Adam Schroeder  38:51   yeah, I will just remind people there's always a reason to buy real estate, and there's always there's always a reason not to buy real estate, and depending on which one you subscribe to, you can always find those opportunities, or you can scare yourself off. So, you know, find the right opportunities that are there for you and your investing style and jump in. Because if you look at what's happening right now. When rates start coming down, owner ox are going to jump back in, and that tends to lead to prices going back up. Like Keith said, these are 85% owner occupied areas, and you're setting yourself up for success. And if you do it now, you can always refi later if rates come plummeting down right so find the right areas. Find the reasons to buy and go for it.    Keith Weinhold  39:41   This is a time when builders are really willing to give you a break. Take advantage of it if you possibly can. Adam, it's been great having you here on the show, and our audience looks forward to seeing more of you next week.   Keith Weinhold  40:00   Yeah, some real potential here. I'm rather excited for your future as a listener next week, investors like DSCR loans, since the qualification looks at the property, not you, and see conventional loans are more for owner occupants. They're fine. They work for investors too. But with dscrs, besides their other advantages, they're a check on making sure your property is profitable. It is just your rent divided by your debt service. That's all it is. So for example, with a $1,000 rent and a piti payment, principal, interest, taxes and insurance payment of 800 bucks. Well, then your DSCR is 1.25 Investors love them because there's no personal income verification, no W twos, tax returns, pay stubs. There's no debt to income ratio bar for you to have to clear also conventional loans often cap you at 10 financed properties, and DSCR loans have no such limit, so there's faster underwriting and easier approval. But with dscrs, look out. I mean, there could be some higher fees, and you might have a three to five year prepayment penalty. But buy and hold investors often keep the property that long anyway, so grow your income streams with dscrs, even when the w2 world says no. And notably, dscrs have absolutely nothing to do with job of the hut either. No sluggy concerns there   Keith Weinhold  41:42   if you've wanted a deal on a property today, here you are with these new build incentives that are really good, better than what most builders are giving looks like. Here's your chance. One reason that the builders are giving us a deal is because of the bulk of GRE buyers. This is for you, if you might want one property or 14 properties load up with these up to 10% builder incentives, or just attend the webinar and learn more. We got into the wholesale division of these builders. We got them right where we want them. The properties are typically already tenanted. So plant your flag in the ground, and call this the pivot point. This whole thing could be a bigger deal than the first man to walk on Mars. We'll see, though, no man has walked on Mars yet, but you don't need to wait that long. Take one of your 30,000 days that you've been gifted in this life of yours, the 30,000 days you've been allotted on this earth to win back some of your future finite time. It is next week, Thursday, the 13th, at 8pm Eastern. It's also GRE last event of the year, your last chance, a live, virtual event where you can attend from the comfort of your own home or anywhere. And it's free. Registration is open now. Sign up at gre webinars.com that's gre webinars.com Until next week, I'm your host. Keith Weinhold, don't quit your Daydream.   Unknown Speaker  43:17   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 you   Keith Weinhold  43:45   The preceding program was brought to you by your home for wealth building, getricheducation.com

White Sox prospect George Wolkow joins Chuck Garfien in studio to look back on his 2025 season. He discusses how discipline and swing decisions are the focus this offseason, what he learned from watching Colson Montgomery's journey, and how meeting with Bo Jackson fueled his outlook. Also, the story behind his one-handed RBI, being mic'd up for Top Prospects, and why he believes mindset is the key on the road to Chicago.

And just like that, it's November. Producer Michelle Navarro is here with ways to help your neighbors. Executive producer Simone Alicea says now's the time to learn to navigate the pedway. And host Jacoby Cochran is warning you to gear up for Christmas music. If you're new here, welcome! We've put together a starter pack for you, with episodes and articles to welcome you to the City Cast Chicago community. For even more tips on how to make the most of November in Chicago, check out Hey Chicago's take on what to do this month. City Cast Chicago's guide to November is made possible by our sponsors, The Newberry, Chicago Loop Alliance, Deborah's Place, and Chicago Board of Election Commissioners. City Cast Chicago is also powered by our members, who enjoy an ad-free version of the show. Find out more about how to become a member of City Cast Chicago. Interested in advertising with City Cast? Find more info HERE  Reach us at chicago@citycast.fm

The city of Chicago felt the mighty wind of the Spirit during the days of D.L. Moody, the founder of The Moody Church. God is not too intimidated to show up even today. In this message, Pastor Lutzer indicates the distinguishing marks of revival. We can't force the hand of God, but we can rejoice, serve, and worship as we wait. To support this ministry financially, visit: https://www.oneplace.com/donate/172/29

Danny in Queens, NY, called Mark to ask him why the Republican Party in NYC is allowing only Curtis Sliwa to be the face of the GOP in the city's mayoral race. Dave in Chicago calls Mark to ask him where Gayle King could go next after leaving CBS Mornings soon? See omnystudio.com/listener for privacy information.

Danny in Queens, NY, called Mark to ask him why the Republican Party in NYC is allowing only Curtis Sliwa to be the face of the GOP in the city's mayoral race. Dave in Chicago calls Mark to ask him where Gayle King could go next after leaving CBS Mornings soon?

Matt Spiegel and Laurence Holmes celebrated a pair of Bears rookies in running back Kyle Monangai and tight end Colston Loveland having breakout games in Chicago's wild win at Cincinnati on Sunday.

Join us this week for an interview with award-winning author John Crivellone! John Crivellone grew up on the Southwest Side of Chicago, educated in Catholic schools, shaped by sports, and hardened by blue-collar grit. We talk Truth in all things. Thanks for listening, and have a great week! Links: John's Site https://johncrivellone.com Skull and Crown Ltd. www.skullandcrownltd.com Craftsman+ FB Group https://www.facebook.com/groups/craftsmanplus/ WCY Podcast YouTube Channel https://www.youtube.com/c/WhenceCameYou Ancient Modern Initiation: Special Edition http://www.wcypodcast.com/the-Shop The Master's Word- A Short Treatise on the Word, the Light, and the Self - Autographed https://wcypodcast.com/the-shop Get the new book! How to Charter a Lodge: https://wcypodcast.com/the-shop Truth Quantum https://truthquantum.com Our Patreon www.patreon.com/wcypodcast Support the show on PayPal https://wcypodcast.com/support-the-show Get some swag! https://wcypodcast.com/the-shop Get the book! http://a.co/5rtYr2r

Crossing Borders Music has been using Western classical instruments to highlight human rights abuses. The group is highlighting federal immigration enforcement in the Chicago area with the hope that folks being detained inside the Broadview ICE processing facility hear the music and know that they are not alone. In the Loop talks with cellist and co-founder Tom Clowes and violist Wilfred Farquharson. For a full archive of In the Loop interviews, head over to wbez.org/intheloop.

Emad Saadeh is an author, lecturer and a counselor for victims of violent crimes. A story of a Palestinian boy who was born in Jerusalem and lived there under Israeli occupation for the first 12 years of his life. His father migrates to the USA in 1973 to escape constantly being arrested and being jailed by the Israelis. The young boy and his siblings are finally reunited in 1978. The sweetness of that reunion is short lived because of his father's physical and mental abuse which drives him to flee his home for the streets of Chicago where he is introduced to the world of Chicago street gangs. He finds himself being arrested many times for his gang activities until he is eventually sentenced to state prison in 1985. In 1987 he is released so he attempts to lead a clean law abiding life but the lucrative drug trade sucks him in and is eventually arrested by the DEA, than after a jury trial he is sentenced to 160 month in federal prison. He is released after almost serving 13 years and finds a changed Chicago with a very disunited family and not much love for each other. Books:  Thee Jerusalem Gangster Book: https://a.co/d/eHpvCWV My Land Palestine: https://a.co/d/aAe9X0Z VISIT OUR SOCIALS FOR MORE DISCUSSIONS: Twitter https://twitter.com/TheMadMamluks Instagram https://www.instagram.com/themadmamluks/ Tiktok https://www.tiktok.com/@themadmamluks SIM: https://x.com/ImranMuneerTMM  MORT: https://www.tiktok.com/@morttmm Harry: https://x.com/MrHarry198 Twitter: ----------- #palestine #palestineisrael #gaza #genocide #themadmamluks #podcast #honesty #oppression #israel #oud #syria #syriancivilwar

The city of Chicago felt the mighty wind of the Spirit during the days of D.L. Moody, the founder of The Moody Church. God is not too intimidated to show up even today. In this message, Pastor Lutzer indicates the distinguishing marks of revival. We can't force the hand of God, but we can rejoice, serve, and worship as we wait. This month's special offer is available for a donation of any amount. Get yours at https://rtwoffer.com or call us at 1-888-218-9337. Moody Church Media [https://www.moodymedia.org/], home of "Running To Win," exists to bring glory to God through the transformation of lives. Erwin W. Lutzer is Pastor Emeritus of The Moody Church in Chicago, where he served as Senior Pastor for 36 years. He is a prolific author of over seventy books. A clear expositor of the Bible, he is the featured speaker on "Running To Win" and "Songs In The Night," with programs broadcasting on over a thousand outlets in the U.S. and across more than fifty countries in seven languages. He and his wife, Rebecca, live in the Chicago area. They have three grown children and eight grandchildren.   SUPPORT: Tax Deductible Support: https://www.moodymedia.org/donate/ Become an Endurance Partner: https://endurancepartners.org/   SUBSCRIBE: YouTube: https://www.youtube.com/@MoodyChurchMedia Weekly Digest: https://www.moodymedia.org/newsletters/subscription/

In this powerful recap episode, host Michelle L. Thames shares the unforgettable highlights and behind-the-scenes magic from Elevate & Empower LIVE 2025, her signature event for women entrepreneurs and multi-passionate creatives. From the intimate VIP Dinner to a day full of clarity, connection, and collaboration, Michelle walks you through the moments that made this year's experience transformational. You'll hear how women left feeling inspired, full, and ready to take action — plus how strategic sponsors, powerhouse speakers, and intentional planning created an event that truly elevated and empowered. Michelle also shares lessons on visibility, brand building, and community — along with a special announcement about the upcoming Elevate & Align Retreat happening January 2026 in Chicago. If you've ever wanted to host your own event, attend one that shifts your mindset, or just feel inspired by women building legacy — this episode is for you. Sponsors Mentioned: American Family Insurance (Legacy Sponsor) Shine Pages (Presenting Sponsor) Dream Rentals Chicago (House Partner) Pacôme Chicago WDB Marketing Kreative Blends Studio I Choose Me Kute Cookies Chicago French Press Women entrepreneur conference Business visibility Personal branding event Women in business Entrepreneur mindset Event recap Michelle Thames Social Media Decoded Elevate and Empower LIVE Women empowerment events Learn more about the Elevate & Align Retreat: DM me on Instagram. Let's chat!Follow Michelle on Instagram: @michellelthamesLearn more about the Elevate & Empower Collective Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Back and better than ever this gorgeous Monday talking about the ways you are helpless without your partner and we found out a lot of you are short! Plus, today's Weekend Oopsie has a surprise pajama party, and we hear about the things you definitely didn't order. Catch up on everything you missed from today's show on The Morning Mix Podcast!Listen to The Morning Mix weekdays from 5:30am – 10:00am on 101.9fm The Mix in Chicago or with the free Mix App available in the Apple App Store and Google Play.Follow The Mix: The MixstagramGet the Free MIX App: Stream The MixSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

ICE Raids are targeting roofers… And it's really prevalent in some cities like Chicago. Reports are coming in from former employees, competitors, upset homeowners, and even crew members themselves (you'll see why in the video).Attorney Trent Cotney joined me for this interview to give you the ICE Raid Playbook. Because he's been dealing with this daily for months and he predicts it will continue.Watch this video to know your legal responsibilities and rights.Everyone on your team should be prepared in case it happens on your jobsite. CONTACT TRENT COTNEY: trent.cotney@arlaw.comSocials: @trentcotney=============FREE TRAINING CENTERhttps://adamsfreestuff.com/ FREE ROOFING MARKET REPORT:https://roofmarketreport.com/FREE COACHING FROM MY AI CLONEhttps://secure.rsra.org/adams-cloneJOIN THE ROOFING & SOLAR REFORM ALLIANCE (RSRA)https://www.rsra.org/join/ GET MY BOOKhttps://a.co/d/7tsW3Lx GET A ROOFING SALES JOBhttps://secure.rsra.org/find-a-job CONTACTEmail: help@rsra.orgCall/Text: 303-222-7133PODCASTApple Podcasts: https://apple.co/3fSQiev Spotify: https://bit.ly/3eMAqJe Available everywhere else :)FOLLOW ADAM BENSMANhttps://www.facebook.com/adam.bensman/   https://www.facebook.com/RoofStrategist/ https://www.instagram.com/roofstrategist/ https://www.tiktok.com/@roofstrategist https://www.linkedin.com/in/roofstrategist/#roofstrategist #roofsales #d2d  #solar #solarsales #roofing #roofer #canvassing #hail #wind #hurricane #sales #roofclaim #rsra #roofingandsolarreformalliance #reformers #adambensman

Which England player is compared to an annoying little brother? Ugo, Danny and Chris praise England's gameplan against Australia and heap praise on Sale's Tom Roebuck. Was it a red? Should it have even been a yellow? We debate the highly controversial Tadhg Beirne dismissal in Chicago and what went wrong for Ireland in the final 20 minutes as the All Blacks avenged their 2016 loss. We also discuss Antoine Dupont's new Toulouse deal and look ahead to this weekend's matches as the Steve Tandy regime begins. Plus, who should be in the frame for World Player of the Year?

In the second hour, Mike Mulligan and David Haugh were joined Score football analyst Olin Kreutz to share his takeaways from the Bears' wild 47-42 win against the Bengals on Sunday in Cincinnati. After that, Mully and Haugh praised Bears rookie running back Kyle Monangai and rookie tight end Colston Loveland for their impactful performances in Chicago's win Sunday.

Hakeem Jeffries wants to squeeze another Democratic seat from Illinois. Ben riffs. Anthony Driver, Jr on why he wants to go to Congress. And how Chicago police tactics compare with ICE's. And how his high school, named for one of the country's greatest novelists, turned its library into a detention center. Anthony is a Democratic candidate for Congress in the 7th district and executive director of SEIU Illinois State Council. His views are his own.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Today, on Karl and Crew, we kicked off our weekly theme, “We Will Not Be Silenced,” with discussions about standing firmly on our faith. We then had Dr. Erwin Lutzer join us to discuss how believers stand up for their faith in today’s counterculture world. Dr. Lutzer is Pastor Emeritus of Moody Church. He is a clear expositor of the Bible and is featured on two radio programs: Running to Win and Songs in the Night. We then had Dr. Jim Coakley join us to discuss the church’s commitment to Jesus, despite the influence of political or governmental forces. He also shared about an upcoming trip he will be leading in Turkey and Greece from March 4th to 17th, 2026. Dr. Jim Coakley is a Professor of Bible at Moody Bible Institute. He is a current elder with 180 Chicago and a former Senior Pastor. He is also a member of the Evangelical Theological Society. We then turned to the phone lines to ask our listeners the question: “What words did you hear that the Spirit of God used to save your soul?” You can listen to the highlights of today's program on the Karl and Crew Showcast. If you're looking to listen to a particular segment from the show, look at the following time stamps: Dr. Erwin Lutzer Interview [06:36] Dr. Jim Coakley Interview [47:36] Call Segment [01:15:42 ] Karl and Crew airs live weekday mornings from 5-9 a.m. Central Time. Click this link for ways to listen in your area! https://www.moodyradio.org/ways-to-listen/Donate to Moody Radio: http://moodyradio.org/donateto/morningshowSee omnystudio.com/listener for privacy information.

The Philadelphia Union took care of business at SeatGeek Stadium, defeating the Chicago Fire 3-0 thanks to a brace from Tai Baribo and a goal from Bruno Damiani. With the win, the Union swept the best-of-three series against Chicago and now have a three-week break before facing the winner of Charlotte FC vs. NYCFC. Todd and José share their thoughts on the match, discussing topics such as: Tai Baribo scoring his first goals since August 23rd and what that means for his confidence, whether the three-week break is an advantage or disadvantage, the momentum shift after Andre Blake's penalty save, and what deserves credit for the Union conceding only two goals from open play in their last six games. Blunder of the Week goes to Chicago Fire fans for stopping the game multiple times due to derogatory chants. Chicago Fire v Philadelphia Union: Union beat an opponent four times in a season for the first time in club history: [4:13] Jeff Gal's Blunders: [7:14] Tai Baribo Scores First Goal Since August 23, How Important is it To Get Him Going: [14:07] Is a Three Week Break an Advantage or Disadvantage For Union: [23:36] Andre Blake saves penalty in 32nd minute, huge momentum swing as Union score third goal three minutes later: [42:30] Union Finding Consistency Defensively With Only Two Goals From Open Play Conceded in Last Six Games: [49:00] Blunder of The Week: Chicago Fire fans stopping the game with derogatory chants: [1:05:00]   Social Media: Twitter: @FreeKickPod Instagram: @FreeKickPod Facebook: @FreeKickPod YouTube: The Free Kick https://thefreekick.substack.com/   Jose's Social Media: Twitter: @JoserNunez91 https://nunezj.substack.com/ Union advance to MLS Eastern Conference Semifinal after completing first-round sweep of Chicago Fire MLS Cup favorites? Philadelphia Union advance with flying colors

Follow Chicago Athlete here: https://www.facebook.com/ChicagoAthlete https://www.instagram.com/chicagoathlete/ https://twitter.com/ChicagoAthlete Follow Ten Junk Miles Here: Website: http://www.tenjunkmiles.com/ Patreon: https://www.patreon.com/tenjunkmiles Twitter: https://twitter.com/tenjunkmiles Instagram: https://www.instagram.com/tenjunkmiles/

In this episode, Jeff Linville — co-founder of Ritual Studios — returns to Game Dev Advice to talk about the journey behind his band-inspired RPG Fretless: The Wrath of Riffson. From starting a studio with college friends to launching worldwide with French publisher Playdigious, Jeff shares the hard-won lessons of taking the leap into full-time indie development. We go into depth on what it really takes to form a studio, ship a first game, and survive the chaos between passion and business reality. * Founding Ritual Studios after meeting at Columbia College Chicago * How Fretless mixes music, RPG, and deck-building mechanics into one ambitious indie game * The moment they quit their jobs to “really do it” and chase a publishing deal * Lessons learned about funding, taxes, lawyers, and running a real company * Building a standout pitch deck and landing a deal with Playdigious in France * Managing bugs, Steam feedback, and localization into seven languages * Outsourcing art and engineering — and why it's harder than it looks * Choosing FMOD over Wwise for advanced Unity audio integration * Why getting your game playable early beats endless siloed prototyping * How Cardio Ex shaped Jeff's music-driven sound design * Thoughts on AI tools in audio, from noise cleanup to creative limits * Recording real medical equipment sounds * Favorite soundtracks: Hyper Light Drifter and Guild Wars 1 * Current go-to games: Pillars of Eternity and Lord of the Rings Online * Reflections on Mortal Kombat, Midway Games, and how player nostalgia keeps art alive * Advice for anyone dreaming of going indie: “Be ready for it — it's a business.”

From Trump ordering unlawful military strikes on boats in international waters - murdering dozens of human beings, to Trump saying he can order soldiers into the street of US cities and even the courts can't stop him, Trump behavior vis-a-vis the military is getting more dangerous and lawless by the day. Two members of the Illinois National Guard have spoke out publicly, announcing that they would not obey unlawful order from Trump to deploy to the streets to Chicago. Glenn discusses these and other military-related developments with law professor and military law expert Dan Maurer. Follow Dan on Substack: https://dmaurer.substack.com/Follow Glenn on Substack: https://glennkirschner.substack.comHow this content was madeSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

The great Mr. Fix-It, Lou Manfredini, joins John Williams to tell us the projects we need to be working on this week. Lou explains why fall is a great time to reseal your asphalt driveway. What do we need to know if we want to tackle that project? And as always, Lou answers all of your home improvement […]

John Williams brings you another round of Speed Jokes. Keep sending yours to JohnWilliams@wgnradio.com.

In a game that had everything but a happy ending for Cincinnati, the Bengals fell 47-42 to the Chicago Bears on Sunday, November 2, 2025, in a fourth-quarter thriller that encapsulated their maddening 2025 season. What began with Charlie Jones' electric 98-yard kickoff return touchdown just 11 seconds in devolved into yet another devastating loss, dropping the Bengals to a dismal 3-6 and burying any faint playoff hopes deeper. Joe Flacco, filling in admirably for the injured Joe Burrow, etched his name in the record books with a career-high 470 passing yards—his second straight monster outing in defeat. Tee Higgins torched Chicago for 121 yards and two scores, including a 44-yard bomb that gave Cincinnati a halftime edge at 20-17. Ja'Marr Chase added 111 yards on six catches, proving the Bengals' offense remains an explosive force capable of 42 points. They even rallied from a 41-27 deficit late, with Flacco hitting Noah Fant for a touchdown, a successful two-point conversion to Higgins, and an onside kick recovery by Joseph Ossai leading to a go-ahead score to Andrei Iosivas with 54 seconds left. But devastation struck when Bears quarterback Caleb Williams— in a performance for the ages—scrambled for 14 yards before lofting a 58-yard game-winner to Colston Loveland with 17 seconds to play. Loveland shook off two Bengals defenders to seal it, highlighting Cincinnati's porous defense, dead last in the NFL, which surrendered a staggering 576 total yards, including 283 on the ground from Kyle Monangai's 176-yard rampage. This marks the Bengals' sixth high-scoring loss (30+ points) in the last year-plus, a cruel pattern that screams squandered potential. At 3-6 after their bye, facing Pittsburgh next on November 16 feels like a funeral march. Burrow's absence looms large, but even with firepower, the D's black hole devours dreams. Fans are left reeling—another "what if" in a season of soul-crushing near-misses. How much more can the Queen City take? Music from #InAudio: https://inaudio.org/ Track Name Holy (Trap). Music from #InAudio: https://inaudio.org/ Track Name Exercise (Rock). #Bengals #NFL #OffTheBench

John Chang analyzes how perception and data often diverge in real estate investing. Drawing from fresh insights after speaking with investors in Dallas, he contrasts Texas Sunbelt markets with the Upper Midwest to reveal surprising five-year trends in rent growth, vacancies, and pricing. John breaks down why overdevelopment has dampened returns in high-growth metros like Austin and Dallas, while steady markets like Chicago and Cincinnati quietly outperformed. He closes by encouraging investors to look beyond the headlines, challenge herd mentality, and explore under-the-radar markets where fundamentals—not hype—drive performance. Join the Best Ever Community  The Best Ever Community is live and growing - and we want serious commercial real estate investors like you inside. It's free to join, but you must apply and meet the criteria.  Connect with top operators, LPs, GPs, and more, get real insights, and be part of a curated network built to help you grow. Apply now at ⁠www.bestevercommunity.com⁠ Podcast production done by ⁠Outlier Audio⁠ Learn more about your ad choices. Visit megaphone.fm/adchoices

The Botched Execution of George H. PainterJump To AD FREE SAFE HOUSE EDITIONEpisode 27 starts shortly after midnight, the night of  May 17, 1891, when George H. Painter awoke the people living in his Chicago house shortly after midnight, shouting that his common law wife Alice Martin had been murdered. Painter himself went to fetch the police, who promptly arrested him for the murder. The trial made it a cut and dry case, and Painter was sentenced to hang, although he insisted his innocence up to the very end. His lawyers continued to investigate while Painter sat on death row, presented affidavit after affidavit to shadow the case with doubt, but not enough to convince a resolute governor.Here are more stories about BOTCHED EXECUTIONSBecome a supporter of this podcast: https://www.spreaker.com/podcast/true-crime-historian--2909311/support.CLICK HERE to reserve your bunk at The Safe House, where the past is present and the rent is just a buck a week but gives you access to ad-free editions of over 400 episodes in the dusty vault, early access to all new episodes, exclusive content, access to the big boss, and whatever personal services you require.

In the Best of the Bears this week, Matt Spiegel and Laurence Holmes detailed why the Bears' matchup against the Bengals on Sunday is so pivotal for Chicago quarterback Caleb Williams; WGN sports anchor Jarrett Payton joined the Rahimi, Harris & Grote Show to preview the Bears-Bengals game and to explain why Cincinnati star receiver Ja'Marr Chase will be such a difficult matchup for Chicago; and Spiegel and Holmes held their Turn the Page segment in which they previewed the Bears-Bengals game and discussed the NFC North outlook entering Week 9.

In the Best of the Bears this week, Matt Spiegel and Laurence Holmes detailed why the Bears' matchup against the Bengals on Sunday is so pivotal for Chicago quarterback Caleb Williams; WGN sports anchor Jarrett Payton joined the Rahimi, Harris & Grote Show to preview the Bears-Bengals game and to explain why Cincinnati star receiver Ja'Marr Chase will be such a difficult matchup for Chicago; and Spiegel and Holmes held their Turn the Page segment in which they previewed the Bears-Bengals game and discussed the NFC North outlook entering Week 9.

Autumn Internationals including England v Australia and Cocker is our man on the ground in Chicago for Ireland v All Blacks. We also go into great detail on England Players in France after a great email from friend of the pod, Mark Evans. Hosted on Acast. See acast.com/privacy for more information.

In the Best of the Bears this week, Matt Spiegel and Laurence Holmes detailed why the Bears' matchup against the Bengals on Sunday is so pivotal for Chicago quarterback Caleb Williams; WGN sports anchor Jarrett Payton joined the Rahimi, Harris & Grote Show to preview the Bears-Bengals game and to explain why Cincinnati star receiver Ja'Marr Chase will be such a difficult matchup for Chicago; and Spiegel and Holmes held their Turn the Page segment in which they previewed the Bears-Bengals game and discussed the NFC North outlook entering Week 9.

Today I'm catching up with one of the best modern slide guitarists - Johan Borgh from Sweden. In this episode we talk about Johan playing with Gary Clark Jr, his tips for learning slide, his gear and his awesome new record - Island Blues.  Become a plus member now: https://www.buzzsprout.com/950998/subscribeSupport the showTo become a MEMBER and get access to over 2 Years of guitar lessons for just $5/Month head to https://www.buzzsprout.com/950998/subscribe

The government shutdown has gone on for longer than one month. Now, Republicans are considering ending the Senate filibuster to reopen the government.The Supreme Court requested more information as it heard arguments about whether President Donald Trump is within his rights to deploy the National Guard to Chicago.Two prosecutors who went after January 6 rioters were put on leave this week for filing a sentencing memo in the case of a man who showed up armed outside of the Obama residence.Amidst a brutal trade dispute, President Donald Trump and Chinese President Xi Jinping sat down for a face-to-face meeting in South Korea.Despite recent Israeli strikes killing more than 100 people in Gaza, the Trump Administration says the ceasefire with Hamas is still on.Following a snub by President Trump and a successful nuclear weapons test, intelligence officials say Russian President Vladimir Putin is showing no signs of seeking a compromise to end the war Ukraine.Find more of our programs online. Listen to 1A sponsor-free by signing up for 1A+ at plus.npr.org/the1a. Learn more about sponsor message choices: podcastchoices.com/adchoicesNPR Privacy Policy

Comedian Leonarda Jonie. EBT Americans LOSE It! With the government shutdown and the looming threat of SNAP benefits being interrupted, EBT recipients have taken to TikTok, threatening to rob, steal, and even m^rder White Americans. Watch this video at- https://youtu.be/snmT03lNRNc?si=smiSzAM2mQn4Wg7N Leonarda Jonie 312K subscribers 10/31/25  We cover it all. Visit our sponsor: https://antelopehillpublishing.com/ Promo Code: LEO TOUR: LEONARDAISFUNNY.COM Ventura County, CA | Nov. 7th Hunting Beach, CA | Nov. 8th Phoenix, AZ | Nov. 15 Ft. Worth, TX | Dec. 31 Chicago, IL |Jan. 16 Detroit, MI | Jan. 17 Denver, CO | Feb. 21 Boston, MA | Mar. 13 --------------------------------------------------------------------  Check out our ACU Patreon page: https://www.patreon.com/ACUPodcast   HELP ACU SPREAD THE WORD!  Please go to Apple Podcasts and give ACU a 5 star rating. Apple canceled us and now we are clawing our way back to the top. Don't let the Leftist win. Do it now! Thanks. Also Rate us on any platform you follow us on. It helps a lot. Forward this show to friends. Ways to subscribe to the American Conservative University Podcast Click here to subscribe via Apple Podcasts Click here to subscribe via RSS You can also subscribe via Stitcher FM Player Podcast Addict Tune-in Podcasts Pandora Look us up on Amazon Prime …And Many Other Podcast Aggregators and sites ACU on Twitter- https://twitter.com/AmerConU . Warning- Explicit and Violent video content.   Please help ACU by submitting your Show ideas. Email us at americanconservativeuniversity@americanconservativeuniversity.com   Endorsed Charities -------------------------------------------------------- Pre-Born! Saving babies and Souls. https://preborn.org/ OUR MISSION To glorify Jesus Christ by leading and equipping pregnancy clinics to save more babies and souls. WHAT WE DO Pre-Born! partners with life-affirming pregnancy clinics all across the nation. We are designed to strategically impact the abortion industry through the following initiatives:… -------------------------------------------------------- Help CSI Stamp Out Slavery In Sudan Join us in our effort to free over 350 slaves. Listeners to the Eric Metaxas Show will remember our annual effort to free Christians who have been enslaved for simply acknowledging Jesus Christ as their Savior. As we celebrate the birth of Christ this Christmas, join us in giving new life to brothers and sisters in Sudan who have enslaved as a result of their faith. https://csi-usa.org/metaxas   https://csi-usa.org/slavery/   Typical Aid for the Enslaved A ration of sorghum, a local nutrient-rich staple food A dairy goat A “Sack of Hope,” a survival kit containing essential items such as tarp for shelter, a cooking pan, a water canister, a mosquito net, a blanket, a handheld sickle, and fishing hooks. Release celebrations include prayer and gathering for a meal, and medical care for those in need. The CSI team provides comfort, encouragement, and a shoulder to lean on while they tell their stories and begin their new lives. Thank you for your compassion  Giving the Gift of Freedom and Hope to the Enslaved South Sudanese -------------------------------------------------------- Food For the Poor https://foodforthepoor.org/ Help us serve the poorest of the poor Food For The Poor began in 1982 in Jamaica. Today, our interdenominational Christian ministry serves the poor in primarily 17 countries throughout the Caribbean and Latin America. Thanks to our faithful donors, we are able to provide food, housing, healthcare, education, fresh water, emergency relief, micro-enterprise solutions and much more. We are proud to have fed millions of people and provided more than 15.7 billion dollars in aid. Our faith inspires us to be an organization built on compassion, and motivated by love. Our mission is to bring relief to the poorest of the poor in the countries where we serve. We strive to reflect God's unconditional love. It's a sacrificial love that embraces all people regardless of race or religion. We believe that we can show His love by serving the “least of these” on this earth as Christ challenged us to do in Matthew 25. We pray that by God's grace, and with your support, we can continue to bring relief to the suffering and hope to the hopeless.   Report on Food For the Poor by Charity Navigator https://www.charitynavigator.org/ein/592174510   -------------------------------------------------------- Disclaimer from ACU. We try to bring to our students and alumni the World's best Conservative thinkers. All views expressed belong solely to the author and not necessarily to ACU. In all issues and relations, we hope to follow the admonitions of Jesus Christ. While striving to expose, warn and contend with evil, we extend the love of God to all of his children. -----------------------------------------------------------------------------------------