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Joel couldn't land in water if he was dumped off a Carnival cruise. LeBron was LeBron. Mike is joined by Chris Ryan to discuss the brutal loss against the Lakers. Reserve your spot for Fly The Process New Orleans here: https://www.rightstorickysanchez.com/p/flyThe Rights To Ricky Sanchez is presented by Draft Kings Sportsbook.Surfside Iced Tea and Vodka is the official canned cocktail of The Ricky.Get 20% off anything at Body Bio dot com using the code mentionedLL Pavorsky Jewelers is where Rights To Ricky Sanchez listeners go and get engaged.Gambling problem? Call one eight hundred Gambler. In New York, call eight seven seven eight HOPENY or text HOPENY (four six seven three six nine). In Connecticut, Help is available for problem gambling. Call eight eight eight seven eight nine seven seven seven seven or visit ccpg dot org. Please play responsibly. On behalf of Boot Hill Casino & Resort (Kansas). Pass-thru of per wager tax may apply in Illinois. Twenty-one plus age and eligibility varies by jurisdiction. Void in Ontario. Restrictions apply. Bet must win to receive Bonus Bets which expire in 7 days. Minimum odds required. Additional terms at D K N G dot co slash audio. Limited time offer.

On the night of December 4, 1998, 21-year-old Yale senior Suzanne Jovin left her apartment to return a carpool key to the campus police office. She told a classmate she planned to go home afterward and get some rest. Just over 30 minutes later, Suzanne was found stabbed to death nearly two miles away on a street corner in a wealthy neighborhood. Detectives determined she could not have walked there in the time available, leading them to believe she had been driven to the location by someone she knew. Despite multiple investigative efforts, that person has never been identified and no one has ever been charged with Suzanne's murder. More than 25 years later, her case remains unsolved, and the question still lingers: who killed Suzanne Jovin? **21-year-old Suzanne Jovin was last seen around 9:25 p.m. on December 4, 1998, walking near Phelps Gate on Yale's campus in New Haven, Connecticut. Anyone with information about Suzanne's case is asked to contact the Jovin Investigation Team Tip Line at 866-623-8058 or email jovin.case@ct.gov. There is a $150,000 reward available.** Editor: Shannon Keirce Research/Writing: Haley Gray SUBMIT A CASE HERE: Cases@DetectivePerspectivePod.com SOCIAL Instagram: https://www.instagram.com/detperspective/ Twitter: https://twitter.com/detperspective FIND DERRICK HERE Twitter: https://twitter.com/DerrickL Instagram: https://www.instagram.com/DerrickLevasseur Facebook: https://www.facebook.com/DerrickVLevasseur CRIME WEEKLY AND COFFEE Criminal Coffee Company: https://www.CriminalCoffeeCo.com Crime Weekly:  https://crimeweeklypodcast.com/shop ADS: 1. https://www.TryFum.com - Use code DETECTIVE to get a FREE gift with your journey pack! 2. https://www.TryMiracle.com/Detective - Use code DETECTIVE for 3 FREE towels and to save over 40%!

Keith reviews the state of the real estate market, noting that existing home sales are down about 33% from their 2021 peak, while prices remain firm due to low supply and high demand.  Affordability challenges are driven by stagnant wages, inflation, and higher mortgage rates, with 70% of mortgage holders still locked in at rates below 5%.  He observes that in certain markets, new construction may now offer better investor terms than comparable existing properties, especially where builders buy down rates.  The episode highlights a comparison of nearly a century of asset class returns, reporting real estate's long-term annual appreciation at approximately 4.7%. Episode Page: GetRichEducation.com/583 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  For predictable 10-12% quarterly returns, visit FreedomFamilyInvestments.com/GRE or text  1-937-795-8989 to speak with a freedom coach Will you please leave a review for the show? I'd be grateful. Search "how to leave an Apple Podcasts review"  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— GREletter.com or text 'GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation   Complete episode transcript: Keith Weinhold  0:01   welcome to GRE. I'm your host. Keith Weinhold, how do other audiences feel about the GRE mantras that we've come to love here, like financially free beats debt free and don't get your money to work for you? Then sometimes it's not what you're attracted to in life, but what you're running away from finally comparing the returns from six major asset classes over the past century all today on get rich education    Keith Weinhold  0:29   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  1:18   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  1:34   Welcome to GRE from Kennebunkport, Maine to Bridgeport, Connecticut and across 188 nations worldwide. It is the voice of real estate investing since 2014 I'm Keith Weinhold, and I'm grateful to have you here with me, and we're doing something a little different today, as you'll soon listen in to me as I was on the hot seat being interviewed on another prominent real estate show. But first, when you pull back and ask yourself, why you're really an investor in the first place? There are so many reasons. Maybe you just want a few properties in order to supplement your day job income. Maybe you want to have more than a few so that you can completely replace that active income, or perhaps rather than going the route of building up your cash flow, which is valid, but some think that it's the only way to real estate financial freedom. Instead, you could own, say, nine doors or 22 doors, and even if they all had zero cash flow, you can just keep borrowing against that leverage and equity tax free and live off of that whatever you do when it comes to your day job, income, your degree of disdain for your nine to five job that is going to be greater or less than it is for some others. So your motivation for self improvement, it isn't always about what you're running to in life, which could be real estate investing, but it's also what you're running away from, especially if you don't get a deeply rooted sense of meaning from your job. So you could have both a push factor and a pull factor in what motivates you. There's a scene from the 1999 movie Office Space that just does this incredibly unvarnished job of saying out loud how so many of us feel today. What I'm going to share with you, I mean, you know that you have felt this at least once in your life. Office space wasn't supposed to be a mega hit movie, but it kind of was, because it's so relatable. Let's listen in to part of this clip. This is Ron Livingston playing a disgruntled male employee talking to Jennifer Aniston at a restaurant about his job in the movie Office Space.   Speaker 1  4:09   I don't like my job, and I don't think I'm gonna go anymore. You're just not gonna go. Yeah, won't you get fired? I don't know, but I really don't like it, and I'm not gonna go.   Keith Weinhold  4:24   Then it continues when she asks. So you're just gonna quit? No, not really. I'm just gonna stop going. When did you decide all of that? About an hour ago? Really? Yeah, aren't you going to get another job? I don't think I'd like another job. What are you going to do about money in bills and all that? I've never really liked paying bills. I don't think I'm going to do that either.   Keith Weinhold  4:53   That's it. That is the end of that classic dialog from office space that we can. All relate to you did not wake up to be mediocre, but a lot of people's jobs pummel them into a rather prosaic state. You were born rich because you were born with this abundance of choices, this huge palette in menu, but society often stifles that and makes you forget it, and it gets really easy to just fall into your groove and stay there. The main reason we aren't living our dreams is really because we're living our fears. Failure doesn't actually destroy as many dreams as people think fear and doubt. Does fear and doubt destroy more dreams than failure ever does financial runway? That is a phrase for the amount of time that you can maintain your lifestyle without the need for a paycheck. And it's critical for you to lengthen this runway if you hope to retire early, and it will dramatically reduce your stress level. An example is say that you currently earn 150k per year after taxes, and you spend 126k of that, all right. Well, that means you've got a surplus of 24k a year. Well, it's going to take you a little over five years to accumulate that 126k that you need to annually support your lifestyle. That's what happens if you don't invest. And see investing helps you lengthen your financial runway, that amount of time you can maintain your lifestyle without the need for a paycheck. That's what we're talking about here. Last week I brought you the show from Caesar's Palace in the center of the Las Vegas Strip. So therefore, what I've done is I have gone from the ostentatious and flamboyant over here to the familial and simple as this week I'm in Buffalo New York, broadcasting from a somewhat makeshift GRE studio here, the Buffalo Bills had a home game yesterday, so the city and hotels are busier than usual. Next week, I will bring you the show from upstate Pennsylvania, as I'm traveling to see my family. Let's listen in to me on the hot seat. I was recently a guest on Kevin bups long running real estate investing show. You're going to get to see how I present information and GRE principles for the first time to a different audience. And as I do, you're going to hear me provide new material, but you'll also hear me say quite a few things that I have told you before, even then, the concepts might land differently when I'm explaining them to a new audience. The show is based in Florida, so We'll also touch on the real estate pain and opportunity there. After I'm interviewed, I'm going to come back and tell you about something fascinating. I'm going to compare the returns from six major asset classes over the past century, since 1930 anyway, and that's going to include the first time on the show where I'll tell you real estate's annual appreciation rate over the last entire century. Just about what do you think it is? 8% 5% 3% you're gonna have, perhaps the best answer you've ever had. Here we go.   Kevin Bupp  8:31   Now, guys, I want to welcome back a guest that we've had on. It's been a number of years now. Keith Weinhold, I went back to look at the last episode we had him on. I think it's been about four years. So, you know, four years ago, the world was in the very different state. It was a very different time. And so, you know, thankfully, we're out of the covid era and on to newer and greater things. So for those that don't know Keith, he's the founder of get rich education. He's the host of the popular get rich education podcast. He's a longtime thought leader in the real estate investing space, and like myself. Keith was also born and raised in Pennsylvania. For those that know don't know, I was born and raised in Harrisburg, Pennsylvania, Keith, I believe, a couple hours away from where I was. But Keith has very much a unique perspective on wealth, building debt, and really the housing market as a whole. And today, you know, we'll be diving into everything you know, from why the property itself? This is something that Keith kind of coins, why the property itself is less important than you think, to how the housing crash has already happened in a way that most people don't even realize, to the role inflation and debt play in building long term wealth. And so again, it's been a number of years here, so I'm excited to welcome Keith back here. So my friend, Keith, welcome to the show. It's it's a pleasure to have you back here again, my friend.   Keith Weinhold  9:43   Oh, Kevin, it's good to be here and be in the auspices of another fellow native Pennsylvanian as well.   Kevin Bupp  9:49   That's right, that's right, yeah, no, Pa is rocking and rolling as I think I told you this little, this little tidbit last time everyone, every time I speak with someone from Pennsylvania, they never know this. But I'm going to share this fun fact. Are you already know, Keith. I'm gonna share it with the rest of the listeners here today, Pennsylvania, those that are born and raised there. It's the only state where, if you're from Pennsylvania, you refer to it by its initials, and you assume that everyone else, everywhere else across the country, they know what you're talking about when you say I'm from PA and that's the only state that does that. So I think it's pretty neat.   Keith Weinhold  10:19   That's right. No one else does that. No one else says, I'm from TN, if they're from Memphis, right?   Kevin Bupp  10:24   They don't, they don't. So with that, my friend. So, you know, it's, again, it's been a number of years since we, since we had you last on here, you know, let's start with just, let's back up a little bit. You know, what have you been up to? I mean, what, what have the last few years look like for you? Where have you been spending your time, energy and efforts? Obviously, it's, you know, we've gone through some quite a bit of turmoil over the last five years, and would love to just get an update as to what's going on your life.    Speaker 2  10:48   Well, one of the big words in real estate investing, we all know it, even the person that cuts your hair and cleans your teeth knows it, and that's affordability. You know, really, affordability has been under fire, under pressure. By a lot of measures, we have the worst affordability for home buying since the early 80s, when the Jeffersons was on television. So it's been helping a lot of people deal with that. It's really the effect of three things, general inflation, higher home prices and higher mortgage rates. Really, those three things the crux of the problem. It's not exactly inflation, really. It's the fact that over the long term, wages don't keep up with inflation. And really that's the crux of the affordability problem. So I've been helping people deal with that and put that in perspective, really, Kevin,   Kevin Bupp  11:42   what does that mean for, you know, investment, real estate? I mean, are you still still doing deals? Are you seeing deals still get done by your students? I mean, what? What's your world look like?   Keith Weinhold  11:52    Yeah. I mean, I think you're asking, you know, how many deals are taking place? One way to measure that on a national basis is existing home sales. You know, existing home sales have been down substantially. And when a lot of people hear that, they think, prices, oh no, we're not talking about prices. We're talking about existing home sales. That means sales volume. That means the amount of overall transactions. So to give an idea of a real estate market, a residential one that's become pretty lethargic and not very vibrant, is that sales volume. It had its recent peak of about 6 million home sales back in 2021 I mean, 2021 was crazy, kind of the crux of the pandemic, you know, Kevin, that's when for an open house. You saw cars wrapped around the block for just one open house. Okay, well, that year 2021 there were 6 million existing home sales. Today, we're on pace to do about 4 million, and we also did only about 4 million last year. So if you put that in perspective and think about what that means, prices have stayed stable, but that's a 33% reduction in transactions. So investors, you know, people like you and I, Kevin, we're not as affected by this as some other industries. But think about the mortgage loan industry. If you're doing 33% fewer transactions, think about the hard decisions companies have to make and lay people off. 33% fewer transactions for title companies. It's probably close to 33% fewer transactions for furniture companies as well. So really it's both affordability that's been a problem, and that's led to this relative lethargy, kind of a slow, not very interesting residential real estate market, at least from the transaction perspective, really, really slow.   Kevin Bupp  13:58   But Could, could one not argue, I don't know the data points. Keith, I guess, what did it look like? 2021? Was kind of the peak. I think you'd reference 6 million units a year. Transactionally, what did it look like prior? What, what was, what was a more normal year like? And maybe 2020, wasn't a normal year either, right? Because a lot of folks thought the role was ending for a period of time. You know, 2019 maybe just again, trying to, trying to find maybe a better baseline to use. And then, you know, does, I guess, in my mind, and I don't follow these data points as much as you do, is that maybe 2021, was, you know, somewhat artificial inflation, right? Lots of lots of money pumping into the marketplace. And ultimately, we had to get back to a sense of normalcy at some point in time. And so are we at a at a place of normalcy? Are we still behind the eight ball a little bit?   Keith Weinhold  14:44   We're still behind the eight ball a little bit. 5 million is more of a normal long term number. But yeah, I mean, if we've got 4 million now, that's, you know, 25% less still than 5 million, sort of this long term normalcy rate of existing. Home transactions. And if you're a careful listener, you notice I've been using the word existing that doesn't include new build. So you know, when you the listener out there reading headlines, always look at that closely. We talking about existing? Are we talking about new build? You can learn a lot from that when you introduce new build data that introduces an awful lot of noise. For example, even when we look at prices, sometimes we want to exclude new construction. So why is that? Why do we want to focus on existing a lot? Well, because new build can introduce a lot of aberrations to the market. For example, the size of new build properties has dropped substantially the past few years, again, coming back to the central theme of affordability to help make a home more affordable. So we're not looking at same same when the square footage of a property drops a lot. And also, another thing that's been happening as a response to the lack of affordability is you have more builders building further and further out from a central business district where there are lower land costs for that new build property as well to help meet affordability. So the takeaway is, yeah, we want to be careful when we look at numbers. Are we looking at existing? Are we looking at new? Are we looking at overall properties.   Kevin Bupp  16:22   If you believe that if rates come down, we really is that the is that the lever that has to be pulled in order for that transactional volume to kick back up and, you know, make homes more affordable for the average home buyer,   Keith Weinhold  16:34   yeah, it's certainly going to help. I mean, really lower rates is the most likely significant lever that can help with the affordability crisis. Prices are pretty firm. Home prices are up 2% year over year. It's difficult for home prices to fall. In fact, home prices have only fallen one time substantially since World War Two. A lot of people don't realize that. So home prices are firm. I expect them to stay firm. And then the other lever is if we get a huge surge in wage increases, which I really don't expect anytime soon, unless we have another really big bout of inflation. So to your point, yes, lower mortgage rates like, that's the biggest lever that can help affordability return. And to speak to mortgage rates, Kevin and help put all of this into perspective, including this affordability component, is the fact that today, mortgage rates are low, and that gives a lot of people pause. They're like, What are you talking about? Mortgage rates were 3% even as low as two point some percent, just as recently as 2021 and early 2022 What are you talking about? Like, mortgage rates are 2x to 3x that today we look at a long term perspective when we look at the arc of mortgage rates, instead of in setting up expectations where we think rates could go. And we need to look at a frame of reference. Mortgage rates peaked over 18% in 1981 that's if you had a good credit score and everything on a 30 year fixed rate mortgage. That's what we're talking about here. In fact, Freddie Mac, they're the ones that have the best, most reliable stat set for mortgage rates, and that goes back to 1971 the average mortgage rate since 1971 all the way up to today, through all these presidential administrations you know, Nixon and in the Reagan years, and Clinton and the bushes and Obama, everything You know up to today, from 1971 until today, the average 30 year fixed rate mortgage is 7.7% so that's why I talk about how mortgage rates are, you know, moderate to a little low today. That takes a lot of people back. I don't see any impetus. It's going to get us back to, say, 3% mortgage rates. So some real perspective here.   Kevin Bupp  19:06   Yeah, yeah, no. And, you know, the interesting thing again, you might have data points on this to see, is a lot of the lack, do you feel that a lot of the lack of transactional volume is also related to those folks that have locked in, you know, 3% you know, mortgages, right? Like they're they, why would they sell and ultimately trade into a, maybe a, you know, a, you know, upgrade of a home, but ultimately be paying significantly more than that of what they're paying at the present time, you know, double the cost of capital. Your rates today, 30 year, rates are where the six and a half, 7% range, I don't follow it, but yeah.   Keith Weinhold  19:42   I mean, as of today, 6.3% is is where they're at. But yeah, you have a lot of those homeowners locked in to low rates. I mean, first, if we just pull back and look at the overall homeowner landscape, four in 10 have a paid off property. So just to talk to those about the other. Or 60% that percentage that are mortgage borrowers, among borrowers, 70% still have a mortgage rate under 5% meaning it starts with a four or less. So yeah, you're bringing up astutely Kevin the lock. In effect, people are reluctant to sell and give up that rate to trade it for a higher rate. And here's what's interesting, a lot of people if they couldn't make the payments on their home and say they lost their home, something that actually happened a lot in 2008 when people were locked into in sustainable mortgages because they didn't have good credit and they didn't have good income, the borrower is in good shape today. But even if, for some reason, they couldn't make the payments on their home, and they lost their home and they had to rent. Rents are actually higher in many cases, than what that mortgage principal and interest payment is. Maybe even the mortgage principal interest, taxes and insurance that they pay today are lower than what comparable rent would be, and this helps stabilize the housing market, people are really motivated to make their payments, and they can easily do it when it is so low, speaking to that lock in effect, and we're bringing up another reason now why transaction volume is so low, that lock in effect. So homeowners are in good shape. Their payments are sustainable. They don't want to sell, and they're just staying put. They're staying in place   Kevin Bupp  19:42   tying that all back around. Keith, what does that mean for us real estate investors? I mean, is there still good value out in the marketplace? I mean, is the rent to value ratio still, you know, Is there good opportunity to be had, as far as ROI for an investor that wants to buy into a residential investment or a multifamily investment, or anything related to that of residential housing?   Keith Weinhold  19:42   Well, the deals in the one to four unit space, single family homes up the four Plex buildings, yeah, just are not as good as they used to be. The ratio of rent income to purchase price is lower than it was five years ago. And that's so simple, but that's just really the simplest formula for profitability for a real estate investor, you don't have to look at cap rate or or NOI in the one to four unit space. Let's just look at that ratio of rent income to purchase price. 20 years ago, it was easy to find a full 1% meaning, on a 200k property, you could get $2,000 worth of rent income. That's that 1% ratio. But now oftentimes you've got to find something that's more like seven tenths of 1% that would be a $1,400 rent on a 200k property. So that simple formula, and I love that, the rent income divided by the purchase price when I'm looking at properties, when I'm scrolling or scanning like that's a calculation you can do in your head. It's only if I would see a ratio that appears really good, oh, that I would like drill down and look at that property more closely. So of course, when you have something that is that simple, though, rent income divided by purchase price, there's a lot of things that doesn't tell you. You know, what kind of mortgage interest rate can you get? What kind of property tax Do you pay in that jurisdiction? But really, I love the simplicity. That's it, rent divided by price, but it has been under attack. Now today, I still don't know where you're going to get a better risk adjusted return than you do with a carefully bought income property with a loan. I've always liked fixed interest rate debt the best risk adjusted return anywhere. I really don't know of a better one than with buying real estate, because real estate investors have so many profit centers, five simultaneous profit centers, which few people understand. Yeah.   Kevin Bupp  19:42   So using that, I want to, I want to unpack the the 1% rule a little bit for those that aren't familiar with it. And again, there's a lot of variables there, as you had mentioned, you know, mortgage rate, taxes, insurance and that respective market that you that you're buying in, and so what? What are you really trying to back into when applying that rule? Is there? Is there? Is there a true cash on cash return that you're hoping to achieve, again, assuming all these other variables that we just don't know, what they are at this point, you know? Is there a target range of actual ROI that you're actually looking to achieve when applying that 1% rule?   Keith Weinhold  19:42   No, I'm just looking for any positive cash flow. You know, to your point, yeah, there's nothing like the cash on cash return needs to be at least three and a half percent or something like that. But, yeah, I still like buying a property that's that's greater than a break even. Inflation is probably going to increase your cash flow over time, even if you bought a property that that broke even or just had a trickle of cash flow or a $100 cash flow today, a lot of people don't understand that fact that right there you can't count on it, you shouldn't count on. Getting rent increases. But we all know it generally happens over time at a rate of about 3% a year, but it actually increases your cash flow. If you increase your rent 5% your cash flow can often increase something like 12% why is that? How could that happen? That's because, you know, it's key for the person that was listening closely, you get fixed interest rate debt, so your rent income goes up, your expenses increase, except for that mortgage principal and interest. Inflation can touch it. It's kind of like a mosquito buzzing against a window and always trying to get in. And inflation can't touch that in a way. It's sort of like debt that's an asset in some unusual way, or some play on words, getting that debt so So yes, you can't count on rent increases over time. We know what typically happens, and that's really part of the compelling value proposition of buying income property with a loan. You're sort of leveraging inflation. You're really on the right side of it.   Kevin Bupp  20:08   Are there any particular markets that you feel are ripe for opportunity today where you're spending your focus and energies in?   Keith Weinhold  20:08   Yeah, it's still in high cash flowing markets like Memphis, okay, little rock and a good part of the Midwest and the Midwest still has home prices appreciating faster than the national average as well. So those are some of the areas that I like. Those jurisdictions also tend to have laws, as your listeners might know this already, Kevin, they tend to have laws that benefit the landlord more so than the tenant, where you can get a prompt eviction, but those are still the areas where you do get that high ratio of rent income to purchase price on a single family rental home, you might still find eight tenths of 1% meaning $800 worth of rent for every 100k of property purchase in places exactly like that.   Kevin Bupp  20:08   I was hoping that you tell me 1% rule would is applicable.   Keith Weinhold  20:08   It's pretty rare. You know, if you do see, if you do see a property that has a full 1% rent to purchase price ratio, it could be in a sketchy area, you need to make sure that you can actually get the rent in like you would get a respectful rent paying tenant in there. That's something that we would have to look at more closely.   Kevin Bupp  20:08   Have you explored building new product? Is there an opportunity there getting at a lower basis by building ground up?   Keith Weinhold  19:42   You asked such a smart question. This is actually the first time ever, as long as I've been an active real estate investor, Kevin for more than 20 years where new build purchases for income property make more sense than existing purchases. Why is that? It's because builders know that investors and borrowers are struggling to buy and afford property and make the numbers work. Like you're talking about, that builders are incentivized to buy down your rate. For you, to buy down your mortgage rate, we deal with a lot of providers that buy down your mortgage rate to 5% or less for you, and this is a fixed, long term loan in order to help get the numbers to work. You know, especially where you might see a new build property where the rent to purchase price ratio is less than seven tenths of 1% and it's just like, ah, the numbers wouldn't work paying a higher mortgage rate, but some are willing to buy them down to as little as four and a half. However, if you're looking into buying a new build income producing property, you do want to look at that closely. Who is paying for the discount points to buy down the rate. Is it the builder, or is it you? Because some builders just suggest, hey, you can buy down. You can have your rate bought down. But yeah, the next question is, yeah, okay, who is actually doing the buy down? Yeah.   Keith Weinhold  19:43   I mean, just getting tacked on. I mean, in that instance, I'm assuming that a lot of it's just getting tacked on to the to the back end of the purchase price, or it's being baked into closing costs somewhere somebody is paying for it. More than likely the borrower is paying for it. Paying for it. Is that? Is that? Again, I'm assuming we probably have that here in Florida. Again, I don't really follow the residential market too much, but there's, as you had mentioned, like, kind of on the the outskirts of Tampa, the tertiary, necessary, tertiary, probably more secondary areas. That's where a lot of the builds are happening. Lots of these, you know, planned subdivisions. You know, hundreds and 1000s of homes being put up. And in my understanding, through the grapevine, is I hear that they're, you know, sales volumes is incredibly slow, and a lot of these builders are now offering some creative loan products, again, to what you've just stated there, to attract, not necessarily even just homeowners, but also investors, to come in and buy their product from them. Is, is there a real opportunity there, though? I mean, have you seen investors be able to benefit from buying brand new product at a fair price, with economics at work keeping as a rental?   Keith Weinhold  29:53   I have and Florida has some builders that are almost desperate. I'm a long time investor. Know personally, directly in Florida, income property, Southwest Florida, places like Cape Coral, they have been ground zero for real estate depreciation, a contraction in real estate values year over year of 10% or more in some southwest Florida markets. So like the post pandemic, migration boom is certainly over in Florida. And you know, Kevin, as little as 10 years ago, people used to talk about buy in Florida. It's cheap, it's sunny, cheap and cheerful, like you would sort of hear that sort of thing about Florida real estate. That is no longer true. Florida just is not as cheap as it used to be. It's the same or higher than the national median home price now in Florida. So yes, some builders are rather desperate. The other benefit of buying new build, especially in a place like Florida, where a lot of new building has taken place and the supply actually exceeds the demand here in the short period. You can take advantage of that, not only by getting the rate buy down, but because homeowners insurance premiums are substantially less on new build property, because they're built to today's wind mitigation and other standards than they are existing property. I have a friend that just bought a new Florida duplex through us in Ocala, Florida. That's sort of a central, North Central Florida, on that new build duplex that he paid 400k for. I saw the actual insurance premium, the the rate sheet, $694.06 $694 694 so the benefit of buying new build is you get a lower insurance premium. You get these rate buy down. Sometimes what your builder will buy for you make for you rather and of course, you're probably going to have low maintenance costs for a long time, since it's a new build property, and you get a tenant that is probably going to stay longer than the average duration. They're the first person to ever live there. It's difficult for the tenant to improve their housing situation when they have a new build income property, unless they would go out and buy, and it's a very difficult time to go out and buy. So through that lack of affordability, really, the advantage for a real estate investor is tenants are staying put longer. The average tenancy duration is up because they can't run out and be a first time homebuyer.    Keith Weinhold  32:32   You know, most people think they're playing it safe with their liquid money, but they're actually losing savings accounts and bonds don't keep up when true inflation eats six or 7% of your wealth. Every single year, I invest my liquidity with FFI freedom family investments in their flagship program. Why fixed 10 to 12% returns have been predictable and paid quarterly. There's real world security backed by needs based real estate like affordable housing, Senior Living and health care. Ask about the freedom flagship program when you speak to a freedom coach there, and that's just one part of their family of products, they've got workshops, webinars and seminars designed to educate you before you invest. Start with as little as 25k and finally, get your money working as hard as you do. Get started at Freedom, family investments.com/gre, or send a text. Now it's 1-937-795-8989, yep. Text their freedom coach directly. Again. 1937795898, 77958989   Keith Weinhold  33:44   the same place where I get my own mortgage loans is where you can get yours. Ridge lending group and MLS, 42056, they provided our listeners with more loans than anyone because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage. Start your prequel and even chat with President chailey Ridge personally while it's on your mind, start at Ridge lending group.com that's Ridge lending group.com   Todd Drowlette  34:17   this is the star of the A and E show the real estate commission. Todd Rowlett, listen to get rich education with my friend Keith Weinhold, and don't quit your Daydream.   Kevin Bupp  34:38   That even trickles down to the to the space that we're in. We're in the mobile home park space. And while we don't have a lot of rentals inside of our portfolio, most of our residents own their home and they rent the land, but throughout our portfolio, we have roughly 400 units that we own that we have as standardized rentals, and we've noticed that trend as well. Historically. 10 years ago, you. Yeah, we track actually about, I can take it back about eight years, where we actually have data to support this. This claim is that our average renter would stay about 16 months. That was fairly standard. Whereas today it's over, it's nearly three years. At this point in time, the majority are staying nearly three in there's probably, there's some variables in there. You know, eight years ago, we weren't bringing a lot of new product into our communities, whereas a lot of the mobile home parks that we purchased today do have a lot of newer mobile homes in them. So again, to your point, it's, it's a it's a newer home. It's fresh. There might not be the first person that lived there, maybe they're only the second, right? But it's still a very new home. It's only a couple years old. All the appliances are new. It's fresh, you know, it's well insulated, and it's just a high quality product, but, but it's nearly double of what we used to experience and what we used to underwrite. It's, you know, which is, which is interesting. You know, I am, I want to, I want to circle back, you'd mentioned Cape Coral. I've got quite a bit, quite a bit of experience with Cape Coral. This is not the first time that Cape Coral and Port Charlotte in those areas have crashed. I mean, like, they've got quite an interesting history in time, back during the GFC, that area down there took probably one of the biggest hits in most of Florida, while, you know, the rest of Florida got, you know, pounded pretty hard with home values and decreasing home values decreasing rents, Port Charlotte, Cape, coral, in those areas as well. It's just It looks very different down there today. As far as you know, the job basis. I mean, there's a little bit more of a, you know, you know, an economy than what existed maybe 1015, years ago. But I don't know if you know the story of Port Charlotte. Is it some interesting history that you can if you want to spend some time, go on YouTube. There's some documentaries out there about, basically when that area was created. There's a two brothers that, essentially, you know, sold, subdivided and sold swampland and sold the dream to the northeast centers to come down and buy, you know, parcels of land down in Cape Coral, port, Charlotte and in that general area. And it took a lot of time for it develop over the years, but it's a beautiful area down there. But again, I think what happened to your point? A lot of folks during the covid era were wanting to come to Florida. We were fairly free down here. The sun was shining, you know, the Gulf of Mexico was warm, and that was a good value for a lot of folks. You know, the values were driving up there. Was home inventory down there. You got a good bang for your buck back at that point in time. But again, there's not, there's not as much as many amenities and supportive economy there. And then to me, there, like you might find in the Tampa area, or you might find Orlando, or even Ocala cow is a phenomenal market right now. And yeah, oh, Cal is, for those that don't you know you mentioned, you referenced the insurance there, which is, that's a great, that's a great price for that, that policy, you know, 700 bucks, basically, that is inland. For those that don't know the geography here in Florida, that is inland. So you are fairly protected from storms, you know, hurricanes and things of that nature, which crush us here on the on the Gulf Coast. But in any event, I just thought I'd share that there's some good, pretty cool documentaries out there in Port Charlotte, in the whole area down there, but a beautiful part of the country. But just Yeah, it's, it's suffering right now. There's, I think there's, I was looking the other day on Zillow. I just play around and check and see what waterfront home prices are going for. And down there, you can basically get a you can get a canal front home going out to the Gulf of Mexico for about $500,000 which was probably closer to 800,000 during, you know, the the boom era of 2021 2022 So historically, we used to buy properties down there. This is back in 2000 and 345, before the the GFC, we could buy those same properties for 150 and $200,000 waterfront home, waterfront homes, deep water canals going out to the Gulf of Mexico. But when it crashed, some of those homes were selling for $120,000 $100,000 so it's interesting to see how things have come kind of full circle multiple times, not just down there, but in all of Florida as well. Florida is always boom and bust. You know, I think they say that with you know, you could probably speak to that most of these coastal towns, whether it be in Florida, whether it be up the eastern seaboard, the coastal markets are definitely more of a roller coaster ride than the Midwestern markets, where you invest in would you? Would you agree with that?   Keith Weinhold  39:09   Yeah, I would. And yeah, you talk about Florida being a boom and bust, and what you said is certainly true in the shorter term. Back in the global financial crisis, we saw more price blood letting in Florida than we did in other states as well. But over the long term, the long arc, I'm bullish on Florida because of just the obvious constant in migration story. In fact, if you go back to decennial censuses, all the way back to the early 1800s every single decennial census, every 10 years, the population of Florida has rose, and it rises faster than the national average, almost all of those 10 year periods. So yeah, over the long term, I certainly like Florida, but Yeah, you sure can, you know, nitpick over the. Short term, but as little as five years from now. If you bought today, as little as five years from now, I could see someone saying, like, yeah, I bought back five years ago, because we're actually in a in a short term, overbuilt condition, and builders bought down my rate. For me, this could look savvy and this could look wise. So if you're looking for opportunity, new building Florida is definitely something to look into.   Kevin Bupp  40:22    I agree. No, absolutely. Like, the long term, you know, opportunity here in Florida, it's there, you know, it's interesting. We've got the we get these hurricanes every year. Last year was a pretty impactful year, at least here on the on the Gulf side, and the neighborhood I lived in, we got flooded. Luckily, our homes in newer builds built up. But, you know, 70% of the neighbor I lived in had 444, or five feet of seawater. And as did the, you know, the long stretch of the Gulf Coast here, and it was the first time this area has ever this immediate air right where we live, has ever had a it wasn't even a direct hit. It just happened to be a massive storm surge. But it was, you know, catastrophic as far as the damage that it did. And a lot of folks that we knew in our neighborhood here. Have lived here for 1020, 3040, or 50 years, and they had never had any floodwater whatsoever. And and there was two camps where they fell in either one camp where they didn't, they whether they had the money to rebuild or not, didn't matter. Like, mentally, they were never going to end up. They were never going to deal with that again. They were moving away, like they just didn't want to go through the heartache of that again. In the second camp, we're basically, I knew it was going to happen at some point in time. This is the kind of price to live, to pay, a live in paradise and and what ultimately occurred is, you know, you saw homes going up for sale, and in the initial chatter for those that that were impacted, is that, who's going to buy that? You know? You know, they're not going to get hardly anything for it. You know, it's just like, who's going to want to live here now that has been flooded. I said, Just wait. I'll say people have us as human beings, have short term memories. We do and and I can promise you, within a few months, those homes will be gobbled up, some will be knocked down, some will be rebuilt, but inevitably, the prices will come back incredibly strong, and you'll see very limited inventory, at least in desirable markets that are here on the water. And that's exactly that happened. Within six month period of time, prices are back up. You can't get your hands on a flooded property now, or one that had been flooded, right?   Keith Weinhold  42:12   I can believe it. And this is not the way that you want to have a waterfront property when the water inundates you and comes to you, that is not the way to buy waterfront property.   Kevin Bupp  42:23   Yeah, interesting, but, uh, no, Keith has been a fun conversation, my friend. So let's, let's talk about, you know, I like to you'll peek inside your brain if you were going to start all over again, from scratch, you know, you've been at this now, what? How long? Almost two decades. It's been, been quite   Keith Weinhold  42:38   Yes, yes, more than two decades. Is that what you're asking, how would I start, starting from today?   Kevin Bupp  42:47   Yeah, like, what would you do? Where would you focus, what asset type and any particular strategy outside of what you're doing today? You know, where would you focus your time?   Keith Weinhold  42:55   Actually, it is quite a coincidence. The way that I would start all over again in real estate is the way that I did start in real estate. It worked out phenomenally, in a way it makes sense, because if it hadn't worked out phenomenally, you never would have heard of me, and I wouldn't have become this real estate thought leader or whatever, because this is a way, an everyday person with virtually no real estate knowledge and very little money. Can start out, what I did is I made the first ever home of any kind, a four Plex building where I lived in one unit and rented out the other three. This is something very actionable for your for your audience as well, Kevin. Or if maybe you're a listener that has a an adult daughter or son and they want to get started in real estate with a bang without much money, is to buy a four Plex, just like I did. You can use an FHA loan, a three and a half percent down payment. You have to live in one of the units at least 12 months, and at last check, your minimum credit score only needs to be 580 now you will get a lower interest rate if you have a higher credit score. But those are the only three criteria you need. I mean, what a country talk about? The American Dream. You can use that FHA program with a single family home, duplex, triplex or fourplex, that's the formula. That's how I began. Actually ended up living there a little more than three years. But what that did for me was remarkable, and in fact, you know what it taught me? Kevin and every listener can benefit from this. It's paradoxical. A lot of times I say things that you would not expect to hear that make you go, wait what? Whoa, how can that be? Is what it taught me is that I don't want to focus on getting my money to work for me. You probably wouldn't expect to hear that. It's actually a middle class paradigm to say, well, I don't want to work for money. I also want to get my money to work for me. I'm telling. You that that's going to keep you middle class, or worse, that's going to keep you working until old age, and you won't have an outsized life and retirement and options. If you think that the best and highest use of your dollar is getting your money to work for you, it's not what's the paradigm shift if this four Plex building taught me the way I started out, which is still the way that I would start out today, and you probably heard this before, but I'm going to put a new twist on it. Is you want to ethically get other people's money to work for you, and we can be ethical. We can do good in the world. Provide housing that's clean, safe, affordable and functional. Never get called a slumlord that way. You can employ other people's money three ways at the same time, ethically by buying an income property with a loan, like we've been talking about in Florida, or with this fourplex building. How do you do it three ways at the same time, using the bank's money for the loan and leverage, which greatly amplifies your return beyond anything Compound Interest can do. The second of three ways you're ethically employing other people's money is you're using the tenants money to pay for the mortgage and some of the operating expenses on this fourplex. And then the third way you're simultaneously using other people's money is using the government's money for generous tax incentives at scale. So the lesson is that the best and highest use of your dollar is not getting just your money to work for you, it's other people's money, in this case, the banks, the tenants and the governments. That's what you can do. I mean, what an opportunity. A lot of people just don't even know about that FHA program.    Kevin Bupp  46:41   Yeah, I actually, I wasn't, I wasn't aware that it was that low of a down payment key. That's no idea. Three and a half percent, you said, a 550 credit score, believe me, 580 minimum credit.   Keith Weinhold  46:51   And you have to, thirdly, you have to owner occupy a unit for at least 12 months. And hey, I'm not saying it's always easy. You know, you got to think about that. Your neighbors are also your tenants. And I don't know how to fix stuff. I still don't. I'm a terrible handyman, but it's good to learn a little about about human relations. And you know, letting finding a general way to let the tenants know that you have a mortgage to pay every month. I mean, just that alone can can help them ensure timely rent payments. But, and this also doesn't mean every area, or every four Plex building is is good, but, yeah, that's the opportunity. That's how I started. I would totally do it again.   Kevin Bupp  47:27   Can you use that FHA program more than once? Or is that just the one time you know your first, first, first primary home purchase?   Keith Weinhold  47:34   It's generally you can only use one at a time. There are some exceptions, like if you and your job move, like, a certain mile radius away from where you got the first one, but, yeah, generally it's only going to be one at a time. A lot of people don't use it. Don't know about it. In fact, if you have VA benefits, Veterans Administration benefits, you can get a similar program, like I was talking about, but zero down payment, rather than three and a half with an FHA loan. It's a really good, amazingly good opportunity.    Kevin Bupp  48:05   That's incredible. That's incredible. Keith, my friend, I appreciate you coming back going. It's always good to catch up with you. Good to see that you're doing well.   Keith Weinhold  48:17   Oh yeah, a terrific chat there with Kevin. I hope that you like that really. At our core, real estate investors are not day trading. We are decade trading. Now I'm in western New York today, at the other end of the state, NYU compiled some terrific statistics that you want to hear about for nearly the past 100 years. It is the annualized returns of six major asset classes. This spans, the Great Depression, a number of recessions, World War Two, the New Deal, gold standard, abandonment, brendawoods, the Cold War, Civil Rights Movements, oil shocks, Volcker rate hikes, the.com boom and crash, the 911, attacks, the housing bubble, covid, 19, AI revolution and 16 presidencies, all those ups and downs and war and peace and economic booms and economic lows, and now there is going to be a mild tongue in cheek element here, because stats like this drive real estate investors crazy, but this is often how mainstream media portrays asset class comparisons. All right, the six asset classes are stocks, cash, bonds, real estate, gold, and then inflation, which isn't in an asset class, but it's a benchmark. All of these begin from the year 1930 so spanning almost 100 years. Let's take it from the lowest return to the high. Best return the lowest is inflation. And what do you think the CPI inflation rate is averaged over the last 100 years? Any guess at all? You might be surprised. It is 3.2% Yeah, even though the Fed's CPI inflation target has long been 2% it runs hot longer than most people believe. So therefore, today's inflation rate isn't high, it's just normal. The next highest return is cash at 3.3% How did NYU measure that the yield from three months T bills? Next up is bonds. They returned 4.3% that's the 10 year treasury average of the last 100 years. The next highest is real estate at 4.7% that uses the K Shiller Index. Now we're up to the second highest. It is gold at 5.6% and the highest is stocks at 10.3% using the s, p5, 100, and this was all laid out in a brilliant chart that also shows the returns by each decade for all of these asset classes. You'll remember that I shared the chart with you in our newsletter a few weeks ago. Now you are smarter and more informed than the layperson is, you know, but they see this chart and they think, Oh, well, that's it. I've got my answer. Real Estate's 4.7% appreciation loses out to gold's 5.6 and stocks 10.3 and then they go back to watching Love is blind. But of course, rental property owners like us know that we often make five times or more than this 4.7% when we consider all those other income streams and profit centers, leverage, rents, ROA and inflation, profiting on our debt, it's often 25 to 30% total. It's sort of like judging a Ferrari by only measuring its cupholders or something. Now, would stocks 10.3% get adjusted up as well? Yeah, probably a little, because the s and p5 100 currently averages a 1.2% dividend yield, so that might be added on the 4.7% return for real estate. That cites the popular Case Shiller Index. And the way that that index works is that it uses a repeat sales methodology. So what that means is that the Case Shiller measures the sales price of the same property over time. Therefore a property would have to sell at least twice in order to be measured by this popular and widely cited K Shiller Index. So then the 4.7% appreciation figure excludes new build homes, and new builds appreciate more than existing homes, but you do have more existing homes that sell the new build homes, so we can pretty safely assume that real estate's long term appreciation rate is higher, likely between five and 6% there it is. So yeah, making comparisons across asset classes like this is pretty tricky, because investment properties leverage and cash flow gets nullified. And when you make comparisons like this, it's a big reminder that even if you can't get much cash flow off a 20 or 25% down real estate payment, sheesh, most people put a 100% payment into stocks, gold or Bitcoin, and they don't expect any cash flow. And Bitcoin isn't part of what we're looking at for this century long view, because it did not exist until 2009 and also NYU had to use some alternative statistics. Sometimes the s, p5, 100 index only came into being in 1957 and the Case Shiller Index 1987    Keith Weinhold  54:02   next week here on the show, I expect to answer your listener questions from beginner to advanced. You've been writing in with some good ones for the production team here at GRE. That's our sound engineer, Vedran Jampa, who has edited every single GRE podcast episode since 2014 QC in show notes, Brenda Almendariz, video lead, brendawali strategy talamagal, video editor, seroza, KC and producer me, we'll run it back next week for you. I'm your host. Keith Weinhold, don't quit your Daydream.   Speaker 3  54:36   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.   Speaker 2  55:04   The preceding program was brought to you by your home for wealth building, get richeducation.com  

Kim in Connecticut called Mark to discuss the issue with Mayor-Elect Zohran Mamadani wanting to end homeless encampments in NYC. Her area has the same issue with homeless people. Mike in Florida called Mark to remind him it's been 45 years since singer John Lennon passed away. Dems are clever in their ways of navigating!

Kim in Connecticut called Mark to discuss the issue with Mayor-Elect Zohran Mamadani wanting to end homeless encampments in NYC. Her area has the same issue with homeless people. Mike in Florida called Mark to remind him it's been 45 years since singer John Lennon passed away. Dems are clever in their ways of navigating! See omnystudio.com/listener for privacy information.

Jett Stone, Ph.D., is a writer and clinical psychologist on a mission to improve men's mental well-being and bring their inner life into full color. Stone went to undergrad at the University of Michigan and earned two master's degrees in journalism and psychology from Columbia University. He completed his Ph.D. in clinical psychology at Adelphi University and continued training at the Manhattan Veterans Affairs Hospital. Stone eventually founded a clinical practice in Connecticut, focusing on individual and couples psychotherapy. After years of psychotherapy with a diverse range of men, he authored Quiet Your Mind: A Men's Guide, a comprehensive book of his creative, evidence-based strategies for overcoming worry and rumination.Outside of his practice, Stone is an organizational consultant for Work Haven, helping leaders thrive in high-stress careers. In addition to Psychology Today, his writings and contributions have appeared in the New York Times, American Institute for Boys and Men, the Guardian, and Fortune.Dr. Jett Stone's InstagramSupport the show

This week on Face the Nation, as Americans say they're feeling the pain of higher prices this holiday season, we speak exclusively with Treasury Secretary Scott Bessent. And as Trump's Defense Secretary Pete Hegseth doubles down on those boat strikes in the Caribbean, the debate over whether they were lawful ramps up on Capitol Hill. We talk to the top Democrat on the House Intelligence Committee, Connecticut's Jim Himes. Plus, the deportation roundups continue in the nation's cities, this time targeting communities in Minneapolis. Rep. Ilhan Omar joins us to discuss. And finally, a panel of advisers chosen by Health Secretary Robert F. Kennedy Jr. recommends a major change to vaccine guidance for newborns. Hear from former FDA commissioner Dr. Scott Gottlieb. To learn more about listener data and our privacy practices visit: https://www.audacyinc.com/privacy-policy Learn more about your ad choices. Visit https://podcastchoices.com/adchoices

Todays Topics Todays guest J.D. Eaton  https://www.eliteprospects.com/player/163931/j-d-eaton Official Show Merchandise www.bucketsoff.com Episode 483 Download the DraftKings Sportsbook app and use code THPN. That's code THPN to turn five bucks into $200 in Bonus Bets if your bet wins. In partnership with DraftKings — The Crown Is Yours. Gambling problem? Call one eight hundred Gambler. In New York, call eight seven seven eight HOPENY or text HOPENY (four six seven three six nine). In Connecticut, Help is available for problem gambling. Call eight eight eight seven eight nine seven seven seven seven or visit ccpg dot org. Please play responsibly. On behalf of Boot Hill Casino & Resort (Kansas). Pass-thru of per wager tax may apply in Illinois. Twenty-one plus age and eligibility varies by jurisdiction. Void in Ontario. Restrictions apply. Bet must win to receive Bonus Bets which expire in 7 days. Minimum odds required. For additional terms and responsible gaming resources, see D K N G dot co slash audio. Limited time offer. Copyright NHL 2025. All Rights Reserved. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Episode 69: Cathleen Allen of @timeline.alchemy! Cathleen Allen went viral this summer and authored the now iconic meme phrase "I'm a Connecticut hedge fund wife whose lifestyle was obliterated by sudden onset clairvoyance that started showing me evil spirits behind the veil."I spoke with her about her sudden onset clairvoyance, going viral, seeing dark energy, helping people achieve their highest timelines, soul contracts, past lives, visiting the underworld, spirit guides, and a lot more. She's the real deal!Hope you all enjoy this episode. You can find Cathleen on Instagram @timeline.alchemy and on the web at cathleenallen.comTo support this project, become a patron at patreon.com/ineedgod

Merrimack head coach Scott Borek after the 3-0 loss to Connecticut.

Rich Rodriguez and the West Virginia Mountaineers staff continue to bolster the 2026 WVU football recruiting class with some serious defensive talent! In this video, we break down the latest two defensive signees—the "DAWGS"—that are officially headed to Morgantown. Get the full analysis on how these two defensive players fit into the Mountaineers' scheme, what their commitment means for the future of the WVU defense, and why this class is already being called one of the best in program history. Rich Rod is building something special—don't miss the details on these game-changers! We'll cover their recruiting profiles, what they bring to the field, and the immediate impact they could have. Be sure to: Like the video if you're excited about the future of WVU Football! Subscribe for more daily WVU football news and recruiting updates. Comment below and let us know which defensive signee you're most excited to see play! Sources: Song: Smoke Rising Music by: CreatorMix.com Video: https://youtu.be/_oaZzkn0bW4 ⭐️Sponsors: ⭐️ DraftKings Sportsbook: https://www.draftkings.com/ Appalachia Digital: http://appalachiadigital.com/couz/ Get Your Tailgating Stuff HERE: http://victorytailgate.pxf.io/CouzCornhole Couz's Corner Merch Store: https://couz-shop.fourthwall.com/ Join this channel to get access to perks: https://www.youtube.com/channel/UCGQsDxC1nVegCKqyoMKnL9w/join Other Ways To contribute to the channel: Venmo: https://account.venmo.com/u/Justin-Walker-516 PayPal: https://paypal.me/couzscorner?country.x=US&locale.x=en_US Fanatics link: http://fanatics.93n6tx.net/eKxbVr Subscribe: https://youtube.com/c/CouzsCornerSports Socials: Twitter: http://www.twitter.com/couzwalker TikTok: https://www.tiktok.com/@couzscorner? Instagram: https://www.instagram.com/couzscorner206/ Facebook: https://www.facebook.com/Couzs-Corner-113327741384316 This channel is dedicated to covering college football, with a big focus on the West Virginia Mountaineers and the Big 12 Conference. It also features conference realignment news & rumors, game breakdowns and predictions, special guest interviews, livestreams and a lot more. FTC Legal Disclaimer - Some links found in the description box of my videos may be affiliate links, meaning I will make commission on sales you make through my link. This is at no extra cost to you to use my links/codes, it's just one more way to support me and my channel! Gambling problem? Call one eight hundred Gambler. In New York, call eight seven seven eight HOPENY or text HOPENY (four six seven three six nine). In Connecticut, Help is available for problem gambling. Call eight eight eight seven eight nine seven seven seven seven or visit ccpg dot org. Please play responsibly. On behalf of Boot Hill Casino & Resort (Kansas). Fees may apply in Illinois. Twenty-one plus age and eligibility varies by jurisdiction. Void in Ontario. Learn more about your ad choices. Visit megaphone.fm/adchoices

Joe Gorman and Kelly Taylor join Zac Amico and discuss why not to download the Citizen app, the TikToker giving out machete's to homeless people, the drunk girl trying to recite the alphabet to a cop, the bar owner who banned solo drinkers, cockfighting ring busted in Connecticut, Paul Heyman pushing a kid away from Logan Paul, people jumping into the ring during wrestling matches, women feeling the most stressed at home when men are relaxing, the man fired after hitting on an employee at a Christmas party and so much more!(Air Date: December 1st, 2025)Support our sponsors!SmallBatchCigar.com - Use promo code: GAS10 for 10% off plus 5% bonus points!YoKratom.com - Check out Yo Kratom (the home of the $60 kilo) for all your kratom needs!BodyBrainCoffee.com - Use promo code: ZOO15 to get 15% off!Zac Amico's Morning Zoo plug music can be found here: https://www.youtube.com/watch?v=oMgQJEcVToY&list=PLzjkiYUjXuevVG0fTOX4GCTzbU0ooHQ-O&ab_channel=BulbyTo advertise your product or service on GaS Digital podcasts please go to TheADSide.com and click on "Advertisers" for more information!Submit your artwork via postal mail to:GaS Digital Networkc/o Zac's Morning Zoo151 1st Ave, #311New York, NY 10003You can sign up at GaSDigital.com with promo code: ZOO for a discount of $1.50 on your subscription and access to every Zac Amico's Morning Zoo show ever recorded! On top of that you'll also have the same access to ALL the shows that GaS Digital Network has to offer!Follow the whole show on social media!Joe GormanTwitter: https://twitter.com/joewgormanInstagram: https://instagram.com/joewgormanKelly TaylorInstagram: https://instagram.com/hellothisiskellyPodcast YouTube: youtube.com/@IFeelFatTodayZac AmicoTwitter: https://twitter.com/ZASpookShowInstagram: https://instagram.com/zacisnotfunnyDates: https://punchup.live/ZacAmicoSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

In this episode of "Dance Talk” ® with Joanne Carey , host Joanne Carey interviews Emily CoatesIn this episode of  "Dance Talk” ® with Joanne Carey engages in a deep conversation with dancer, choreographer, and writer Emily Coates. They explore Emily's journey from her early dance training in ballet to her transition into modern dance, her experiences working with renowned figures like Baryshnikov, and her current project 'Tell Me Where It Comes From.' Tell Me Where It Comes From, was sparked by the discovery of an archival box housed at the Wadsworth Atheneum Museum of Art in Hartford, Connecticut, chronicling George Balanchine's brief touchdown there in 1933. The discussion highlights the importance of following one's artistic instincts, the role of dance history, and the collaborative nature of creating new work. Emily shares insights on the creative process, the significance of archival research, and the impact of dance on personal and artistic growth.Emily Coates is a dancer, choreographer, and writer and has performed internationally with New York City Ballet (1992-98), Mikhail Baryshnikov's White Oak Dance Project (1998-2002), Twyla Tharp Dance (2001-2003), and Yvonne Rainer and Group (2005-present), and worked with an array of choreographers, including Jerome Robbins, Angelin Preljocaj, Trisha Brown, Deborah Hay, Mark Morris, John Jasperse, and Sarah Michelson. Career highlights include performing three duets with Baryshnikov, in works by Morris, Karole Armitage, and Erick Hawkins.Her choreographic work has been commissioned and presented by Danspace Project, Performa, Baryshnikov Arts Center, Works & Process at the Guggenheim, Ballet Memphis, Wadsworth Atheneum, Carnegie Hall, University of Chicago, Yale Repertory Theatre, Yale Art Gallery, and Columbia Ballet Collaborative, among other venues. She is currently completing a film project titled “Dancing in the Invisible Universe” in collaboration with filmmaker John Lucas and Yale's Wright Laboratory.Her essays have appeared in PAJ: A Journal of Performance and Art, The Huffington Post, Theater, PEAK Journal, programs and an exhibition catalogue for the Paris Opera Ballet, and in the forthcoming Oxford Handbook of Contemporary Ballet. Her awards and distinctions include the School of American Ballet's Mae L. Wein Award for Outstanding Promise; the Martha Duffy Memorial Fellowship at the Baryshnikov Arts Center; Yale's Poorvu Family Award for Interdisciplinary Teaching; a grant from the Alfred P. Sloan Foundation in the category of Public Understanding of Science, Technology, and Economics; a 2016 Fellowship at the Center for Ballet and the Arts at NYU; and a 2019 Jerome Robbins Dance Division Dance Research Fellowship at the New York Public Library for the Performing Arts at Lincoln Center. She graduated magna cum laude with a BA in English and holds an MA and MPhil in American Studies from Yale. Her first book, Physics and Dance, co-written with her longtime collaborator, particle physicist Sarah Demers, was released in January 2019 by Yale University Press.She is Professor in the Practice in Theater, Dance and Performance Studies at Yale University, with a secondary appointment in Directing at the Yale School of Drama. She has directed the dance studies concentration at Yale since its inception in 2006.Informationhttps://campuspress.yale.edu/emilycoates/Make plans to check out this piece on tour!February 26, 2026 at The Avery Theater , Hartford ConnecticutApril 23 & 24th 2026 at Schwarzman Center , Yale University“Dance Talk” ® with Joanne Carey "Where the Dance World Connects, the Conversations Inspire, and Where We Are Keeping Them Real."https://dancetalkwithjoannecarey.com/Please leave us a Review.You support the podcast:https://gofund.me/e561b42acFollow Joanne Carey on Instagram@westfieldschoolofdance

Luke Eggebraaten is in studio with Jon Conte, the grit-fueled owner of JC's Landscaping in Beacon Falls, CT. From one rusty truck in 2004 to a tight crew of 12, Jon's still in the dirt every day, building a rock-solid rep in small-town Connecticut. Raw stories, epic screw-ups, crew loyalty, and real talk on scaling without losing your soul—this is pure Dirt Bags fire. Plus, we're announcing the EC500 giveaway winner. Tune in to find out!Jon's Website: https://www.jcslandscapingct.comJon's Facebook: https://www.facebook.com/share/1AEsHo1QAJ/?mibextid=wwXIfrBook a free strategy call with Phaser Marketing:https://calendly.com/d/cm59-rf4-hgq/investing-in-a-new-construction-website?month=2025-05Huge Thanks to our sponsors:Charlie Huff - Need a certificate of insurance? Done. Adding a new piece of equipment to the fleet? Consider it handled. Got an audit breathing down your neck? Charlie's already on it. This is full-service insurance from people who care and understand—and it shows. Whether you're a one-crew start-up or managing a multi-state operation, Charlie makes sure you're covered right the first time so you can focus on growing, hiring, and hauling. Call (435) 764-4833 or visit https://trupointco.com/Eljen - Revolutionizing Onsite Wastewater ManagementBacked by decades of engineering expertise, the Eljen GSF® A42 system uses a layered approach combining geotextile fabric and a plastic core to optimize effluent treatment. This modular leachfield design increases filtration efficiency, reduces the required installation footprint, and protects soil absorption capacity for the long term. Especially effective in space-constrained or environmentally sensitive areas, it offers a reliable, sustainable upgrade to traditional septic systems.Learn more at: eljen.comSludgeHammer - Enhancing Septic System Performance with Advanced MicrobiologyBy introducing a proprietary blend of live bacteria into existing septic tanks, SludgeHammer systems biologically transform waste processing. This method restores failing leach fields, reduces sludge buildup, and supports environmentally friendly water recyclingwithout the need for major system overhauls. Certified for performance and scalability, the solution is ideal for homes, businesses, and larger-scale applications.Discover the details at: sludgehammer.netThanks for listening!

Brandon and Tyson break down the Jets latest loss to the Canadiens and who might be a potential trade piece going forward. Download the DraftKings Pick6 app now and use code THPN. That's code THPN — New DraftKings customers can play just $5, and get $50 in Pick6 credits. Make the call. Ride the upside. In partnership with DraftKings Pick6. The Crown Is Yours. Gambling Problem? Call one eight hundred gambler. Help is available for problem gambling. Call eight eight eight seven eight nine seven seven seven seven, or visit c c p g dot org in Connecticut. Must be eighteen plus, age and eligibility restrictions vary by jurisdiction. Pick6 not available everywhere, including New York and Ontario. Void where prohibited. One per new customer. Bonus awarded as non-withdrawable Pick Six Credits that expire in fourteen days. Limited Time Offer. Terms at pick six dot draftkings dot com slash promos. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Jane Wurwand, co-founder of the global skincare brand Dermalogica, joins Guy on the Advice Line, where they answer questions from three early stage founders. Plus, Jane shares her philosophy on the importance of customer education for building a trusted brand. First we meet Camille in Virginia, who's wondering how to scale her vegan baby food company without compromising on quality. Then Molly in Maine, who's trying to build a community of new parents for her baby-friendly workout classes. And Sarah in Connecticut, who's considering whether to expand beyond her core performance underwear product. Thank you to the founders of Chunky Vegan, Baby Booty and Paradis Sport for being part of the show.If you'd like to be featured on a future Advice Line episode, leave us a one minute message that tells us about your business and a specific question you'd like answered. Send a voice memo to hibt@id.wondery.com or call 1-800-433-1298.And be sure to listen to Dermalogica's founding story as told by Jane on the show in 2016. This episode was produced by Katherine Sypher. It was edited by John Isabella. Our audio engineer was Neal Rauch.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

It's the YM3 Miami Heat episode featuring Bam Adebayo and Norman Powell!The two Heat stars dive into their individual careers, as well as the team's explosive offense this season, what it's like playing for head coach Erik Spoelstra (including why Bam hated Spo at the beginning of his career), player development in the Heat organization, and more. They also share the intense conditioning tests Heat players must pass, their team's goals before the all-star break, and what NBA awards mean to them. Let's go!Download the DraftKings Sportsbook app and use code YOUNGMAN. That's code YOUNGMAN, bet five bucks and get $200 in bonus bets if your bet wins. In partnership with DraftKings—The Crown Is Yours. Gambling problem? Call one eight hundred Gambler. In New York, call eight seven seven eight HOPENY or text HOPENY (four six seven three six nine). In Connecticut, Help is available for problem gambling. Call eight eight eight seven eight nine seven seven seven seven or visit ccpg dot org. Please play responsibly. On behalf of Boot Hill Casino & Resort (Kansas). Pass-thru of per wager tax may apply in Illinois. Twenty-one plus age and eligibility varies by jurisdiction. Void in Ontario. Restrictions apply. Bet must win to receive Bonus Bets which expire in 7 days. Minimum odds required. Additional terms at D K N G dot co slash audio.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Use our code for 10% off your next SeatGeek order*: https://seatgeek.onelink.me/RrnK/YANKS2025 Sponsored by SeatGeek. *Restrictions apply. Max $20 discountUse our Nike affiliate link to shop Yankees gear here: https://www.anrdoezrs.net/click-101505473-17049705?url=https%3A%2F%2Fwww.nike.com%2Fw%2Fnew-york-yankees-6x9m6  Download the DraftKings Sportsbook app and use promo code JMBASEBALLWhether you're just wanting to test an idea out, or you're getting serious about launching your own brand, it's never been easier to get started on https://shopify.com/yanks.Shop your favorite gear from the Jomboy Media store. Click here to shop today! https://shop.jomboymedia.com/  Gambling problem? Call one eight hundredGambler. In New York, call eight seven seven eight HOPENY or text HOPENY (four six seven three six nine). In Connecticut, Help is available for problem gambling. Call eight eight eight seven eight nine seven seven seven seven or visit ccpg dot org. Please play responsibly. On behalf of Boot Hill Casino & Resort (Kansas). Pass-thru of per wager tax may apply in Illinois. Twenty-one plus age and eligibility varies by jurisdiction. Void in Ontario. Restrictions apply. Bet must win to receive Bonus Bets which expire in 7 days. Minimum odds required. For additional terms and responsible gaming resources, see D K N G dot co slash audio. Limited time offer.+++++Timestamps:0:00 Intro2:45 Guardians LF Steven Kwan10:55 Twins RHP Joe Ryan19:50 Cardinals UTIL Brendan Donovan  25:20 Angels SS Zach Neto  31:25 Red Sox OF Jarren Duran  34:30 Tigers LHP Tarik Skubal  37:05 Yankees Should Trade Away These Guys  40:46 Diamondbacks 2B Ketel Marte44:45 Padres OF Fernando Tatis Jr.  Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Joe Schoen's press conference was bad. Just invites Marshall Green from Giants Now by Chat Sports to react to everything Schoen said + who they think the Giants might target for their next HCFollow Giants Now by Chat Sports here:https://www.youtube.com/@NYGiantsTVhttps://x.com/MarshallGreen_?s=20This episode was brought to you by SeatGeekUse our code for 10% off your next SeatGeek order* https://seatgeek.onelink.me/RrnK/Giants2025Sponsored by SeatGeek. *Restrictions apply. Max $20 discountDownload the DraftKings Sportsbook app and use promo code JMFOOTBALL00:00 Giants Now By Chat sports Joins the Show01:30 Joe Schoen Presser06:30 Schoen still being evaluated11:20 Ownership trusting Schoen to hire next coach14:30 Schoen and Darts relationship17:45 Schoens claim to have a good offense22:00 Giants offense is more explosive 23:40 Schoen gets flustered27:40 Giants lack of leadership30:25 Not maximizing the roster34:20 No accountability39:50 Coaching search under Schoen46:46 HC Candidates 55:45 Mike McCarthy as HCCheck out our Merch: https://shop.jomboymedia.com/collections/talkin-giantsSubscribe to JM Football for our NFL coverage: https://www.youtube.com/@JMFootballFollow all of our content on https://jomboymedia.com#giants #nygiants Gambling problem? Call one eight hundredGambler. In New York, call eight seven seven eight HOPENY or textHOPENY (four six seven three six nine). In Connecticut, Help is available for problem gambling. Call eight eight eight seven eight nine seven seven seven seven or visit ccpg dot org. Please playresponsibly. On behalf of Boot Hill Casino & Resort (Kansas). Pass-thru of per wager tax may apply in Illinois. Twenty-one plus age and eligibility varies by jurisdiction. Void in Ontario. Restrictions apply. Bet must win to receive Bonus Bets which expire in 7 days. Minimum odds required. For additional terms and responsible gaming resources, see D K N G dot co slash audio. Limited time offer. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

In this special throwback, Christa highlights one of her all-time favorite guests from the episode that started it all: DJ April Larken. April spent years in the New York City fashion scene before taking a career break to raise her children. After beating cancer, she made a bold pivot in her 40s, enrolling in Scratch Academy to pursue her passion for DJing. Drawing on her background in fashion design and a lifelong love of clubs and music, April now spins vinyl at A-list events throughout the New York and Connecticut. In this episode, she shares her journey of creative reinvention and offers inspiring tips for discovering your purpose at any age. Learn more about DJ April Larken at djaprillarken.com. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Join us for a conversation with Spanish double bassist Uxía Martínez Botana, who shares her journey from facing skepticism as a woman in classical music to becoming a celebrated soloist, chamber musician, and educator. Based in Amsterdam, she tours internationally with ensembles like the Budapest Festival Orchestra and Sol Gabetta's baroque ensemble, and is the first female double bass professor at a Spanish conservatory. We dig into topics like life on the road, work-life balance, her journey through the world of professional music, and her recent Mendelssohn X-Files Project. Enjoy, and learn more about Uxía and the great work she's doing through the links below Official Website: uxiamartinezbotana.com Mendelssohn X-Files Album: Fuga Libera Spotify: Uxía Martínez Botana YouTube: Official Channel Instagram: @uxiamartinezbotana Connect with DBHQ Join Our Newsletter Double Bass Resources Double Bass Sheet Music Double Bass Merch Gear used to record this podcast Zoom H6 studio 8-Track 32-Bit Float Handy Recorder Rode Podmic Sony Alpha 7 IV Full-frame Mirrorless Interchangeable Lens Camera Sony FE 16-35mm F2.8 GM Lens Sony FE 24-70mm F2.8 GM Lens   When you buy a product using a link on this page, we may receive a commission at no additional cost to you. Thank you for supporting DBHQ. Thank you to our sponsors! Upton Bass - From Grammy Award winners and Philharmonic players like Max Zeugner of the New York Philharmonic, each Upton Bass is crafted with precision in Connecticut, USA, and built to last for generations.  Discover your perfect bass with Upton Bass today! theme music by Eric Hochberg

A 25-year-old college student in Delaware is in federal custody after police stop a pickup truck and uncover weapons, body armor, and a written plan to attack a university police station. A deadly standoff in Connecticut now leaves one man dead, a second body found inside the home, and a trove of explosives under investigation. Drew Nelson reports.See omnystudio.com/listener for privacy information.

Today on the show we are diving into New York City's luxury condo market — a market in flux like never before. Luxury in the 21st century isn't just about size or location anymore. Buyers are looking for wellness-focused amenities, cutting-edge technology, privacy, and sustainable design.     With low inventory and a new wave of thoughtfully designed developments, the high-end market is being reshaped to offer experience, lifestyle, and long-term value alongside stunning architecture. Today, we'll break down what's driving these changes and what it really means to live luxuriously in modern Manhattan.     And my guest today is Peter Zaitzeff.  He is the polished, high-powered Sales Director for New Development at SERHANT and one of the firm's most influential agents. A lifelong New Yorker based in Tribeca, Peter has built a stellar reputation in luxury real estate, having closed more than $4.8 billion in over 500 deals.     Filmed at Brown Harris Stevens' Studio 1873, Part of the Mastery of Real Estate (MORE) Network.     Subscribe: https://podcasts.apple.com/us/podcast/talking-new-york-real-estate-with-vince-rocco/id1645541166   Connect with Vince Rocco: https://www.bhsusa.com/real-estate-agent/vince-rocco   Brown Harris Stevens is one of the largest privately owned real estate brokerages in the country, with more than 40 offices across four states: New York, New Jersey, Connecticut, and Florida.   https://bhsusa.com/   #realestatebuyers #nycrealestate #realestate #vincerocco #TNYRE #theeverset #roadwaymoving #newyorkrealestate #nyc

Tutita Casa, Anna Strauss, Jenna Waggoner & Mhret Wondmagegne, Developing Student Agency: The Strategy Showcase ROUNDING UP: SEASON 4 | EPISODE 7 When students aren't sure how to approach a problem, many of them default to asking the teacher for help. This tendency is one of the central challenges of teaching: walking the fine line between offering support and inadvertently cultivating dependence.  In this episode, we're talking with a team of educators about a practice called the strategy showcase, designed to foster collaboration and help students engage with their peers' ideas.  BIOGRAPHIES Tutita Casa is an associate professor of elementary mathematics education at the Neag School of Education at the University of Connecticut. Mhret Wondmagegne, Anna Strauss, and Jenna Waggoner are all recent graduates of the University of Connecticut School of Education and early career elementary educators who recently completed their first years of teaching. RESOURCE National Council of Teachers of Mathematics  TRANSCRIPT Mike Wallus: Well, we have a full show today and I want to welcome all of our guests. So Anna, Mhret, Jenna, Tutita, welcome to the podcast. I'm really excited to be talking with you all about the strategy showcase. Jenna Waggoner: Thank you.  Tutita Casa: It's our pleasure.  Anna Strauss: Thanks.  Mhret Wondmagegne: Thank you. Mike: So for listeners who've not read your article, Anna, could you briefly describe a strategy showcase? So what is it and what could it look like in an elementary classroom? Anna: So the main idea of the strategy showcase is to have students' work displayed either on a bulletin board—I know Mhret and Jenna, some of them use posters or whiteboards. It's a place where students can display work that they've either started or that they've completed, and to become a resource for other students to use. It has different strategies that either students identified or you identified that serves as a place for students to go and reference if they need help on a problem or they're stuck, and it's just a good way to have student work up in the classroom and give students confidence to have their work be used as a resource for others. Mike: That was really helpful. I have a picture in my mind of what you're talking about, and I think for a lot of educators that's a really important starting point.  Something that really stood out for me in what you said just now, but even in our preparation for the interview, is the idea that this strategy showcase grew out of a common problem of practice that you all and many teachers face. And I'm wondering if we can explore that a little bit. So Tutita, I'm wondering if you could talk about what Anna and Jenna and Mhret were seeing and maybe set the stage for the problem of practice that they were working on and the things that may have led into the design of the strategy showcase. Tutita: Yeah. I had the pleasure of teaching my coauthors when they were master's students, and a lot of what we talk about in our teacher prep program is how can we get our students to express their own reasoning? And that's been a problem of practice for decades now. The National Council of Teachers of Mathematics has led that work. And to me, [what] I see is that idea of letting go and really being curious about where students are coming from. So that reasoning is really theirs. So the question is what can teachers do? And I think at the core of that is really trying to find out what might be limiting students in that work. And so Anna, Jenna, and Mhret, one of the issues that they kept bringing back to our university classroom is just being bothered by the fact that their students across the elementary grades were just lacking the confidence, and they knew that their students were more than capable. Mike: Jenna, I wonder if you could talk a little bit about, what did that actually look like? I'm trying to imagine what that lack of confidence translated into. What you were seeing potentially or what you and Anna and Mhret were seeing in classrooms that led you to this work. Jenna: Yeah, I know definitely we were reflecting, we were all in upper elementary, but we were also across grade levels anywhere from fourth to fifth grade all the way to sixth and seventh. And across all of those places, when we would give students especially a word problem or something that didn't feel like it had one definite answer or one way to solve it or something that could be more open-ended, we a lot of times saw students either looking to teachers. "I'm not sure what to do. Can you help me?" Or just sitting there looking at the problem and not even approaching it or putting something on their paper, or trying to think, "What do I know?" A lot of times if they didn't feel like there was one concrete approach to start the problem, they would shut down and feel like they weren't doing what they were supposed to or they didn't know what the right way to solve it was. And then that felt like kind of a halting thing to them. So we would see a lot of hesitancy and not that courage to just kind of be productively struggling. They wanted to either feel like there was something to do or they would kind of wait for teacher guidance on what to do. Mike: So we're doing this interview and I can see Jenna and the audience who's listening, obviously Jenna, they can't see you, but when you said "the right way," you used a set of air quotes around that. And I'm wondering if you or Anna or Mhret would like to talk about this notion of the right way and how when students imagined there was a right way, that had an effect on what you saw in the classroom. Jenna: I think it can be definitely, even if you're working on a concept like multiplication or division, whatever they've been currently learning, depending on how they're presented instruction, if they're shown one way how to do something but they don't understand it, they feel like that's how they're supposed to understand to solve the problem. But if it doesn't make sense for them or they can't see how it connects to the problem and the overall concept, if they don't understand the concept for multiplication, but they've been taught one strategy that they don't understand, they feel like they don't know how to approach it. So I think a lot of it comes down to they're not being taught how to understand the concept, but they're more just being given one direct way to do something. And if that doesn't make sense to them or they don't understand the concepts through that, then they have a really difficult time of being able to approach something independently. Mike: Mhret, I think Jenna offered a really nice segue here because you all were dealing with this question of confidence and with kids who, when they didn't see a clear path or they didn't see something that they could replicate, just got stuck, or for lack of a better word, they kind of turned to the teacher or imagined that that was the next step. And I was really excited about the fact that you all had designed some really specific features into the strategy showcase that addressed that problem of practice. So I'm wondering if you could just talk about the particular features or the practices that you all thought were important in setting up the strategy showcase and trying to take up this practice of a strategy showcase. Mhret: Yeah, so we had three components in this strategy showcase. The first one, we saw it being really important, being open-ended tasks, and that combats what Jenna was saying of "the right way." The questions that we asked didn't ask them to use a specific strategy. It was open-ended in a way that it asked them if they agreed or disagreed with a way that someone found an answer, and it just was open to see whatever came to their mind and how they wanted to start the task. So that was very important as being the first component.  And the second one was the student work displayed, which Anna was talking about earlier. The root of this being we want students' confidence to grow and have their voices heard. And so their work being displayed was very important—not teacher work or not an example being given to them, but what they had in their mind. And so we did that intentionally with having their names covered up in the beginning because we didn't want the focus to be on who did it, but just seeing their work displayed—being worth it to be displayed and to learn from—and so their names were covered up in the beginning and it was on one side of the board.  And then the third component was the students' co-identified strategies. So that's when after they have displayed their individual work, we would come up as a group and talk about what similarities did we see, what differences in what the students have used. And they start naming strategies out of that. They start giving names to the strategies that they see their peers using, and we co-identify and create this strategy that they are owning. So those are the three important components. Mike: OK. Wow. There's a lot there. And I want to spend a little bit of time digging into each one of these and I'm going to invite all four of you to feel free to jump in and just let us know who's talking so that everybody has a sense of that.  I wonder if you could talk about this whole idea that, when you say open-ended tasks, I think that's really important because it's important that we build a common definition. So when you all describe open-ended tasks, let's make sure that we're talking the same language. What does that mean? And Tutita, I wonder if you want to just jump in on that one. Tutita: Sure. Yeah. An open-ended task, as it suggests, it's not a direct line where, for example, you can prompt students to say, "You must use 'blank' strategy to solve this particular problem." To me, it's just mathematical. That's what a really good rich problem is, is that it really allows for that problem solving, that reasoning. You want to be able to showcase and really gauge where your students are. Which, as a side benefit, is really beneficial to teachers because you can formatively assess where they're even starting with a problem and what approaches they try, which might not work out at first—which is OK, that's part of the reasoning process—and they might try something else. So what's in their toolbox and what tool do they reach for first and how do they use it? Mike: I want to name another one that really jumped out for me. I really—this was a big deal that everybody's strategy goes up. And Anna, I wonder if you can talk about the value and the importance of everybody's strategy going up. Why did that matter so much? Anna: I think it really helps, the main thing, for confidence. I had a lot of students who in the beginning of starting the strategy showcase would start kind of like at least with a couple ideas, maybe a drawing, maybe they outlined all of the numbers, and it helps to see all of the strategies because even if you are a student who started out with maybe one simple idea and didn't get too far in the problem, seeing up on the board maybe, "Oh, I have the same beginning as someone else who got farther into the problem." And really using that to be like, "I can start a problem and I can start with different ideas, and it's something that can potentially lead to a solution." So there is a lot of value in having all of the work that everyone did because even something that is just the beginning of a solution, someone can jump in and be like, "Oh, I love the way that you outlined that," or "You picked those numbers first to work on. Let's see what we can use from the way that you started the problem to begin to work on a solution." So in that way, everyone's voice and everyone's decisions have value. And even if you just start off with something small, it can lead to something that can grow into a bigger solution. Mike: Mhret, can I ask you about another feature that you mentioned? You talked about the importance, at least initially, of having names removed from the work. And I wonder if you could just expand on why that was important and maybe just the practical ways that you managed withholding the names, at least for some of the time when the strategy showcase was being set up. Can you talk about both of those please? Mhret: Yes, yeah. I think all three of us when we were implementing this, we—all kids are different. Some of them are very eager to share their work and have their name on it. But we had those kids that maybe they just started with a picture or whatever it may be. And so we saw their nerves with that, and we didn't want that to just mask that whole experience. And so it was very important for us that everybody felt safe. And later we'll talk about group norms and how we made it a safe space for everyone to try different strategies. But I think not having their names attached to it helped them focus not on who did it, but just the process of reasoning and doing the work. And so we did that practically I think in different ways, but I just use tape, masking tape to cover up their names. I know some of—I think maybe Jenna, you wrote their names on the back of the paper instead of the front. But I think a way to not make the name the focus is very important. And then hopefully by the end of it, our hope is that they would gain more confidence and want to name their strategy and say that that is who did it. Mike: I want to ask a follow up about this because it feels like one of the things that this very simple, but I think really important, idea of withholding who created the strategy or who did the work. I mean, I think I can say during my time in classrooms when I was teaching, there are kids that classmates kind of saw as really competent or strong in math. And I also know that there were kids who didn't think they were good at math or perhaps their classmates didn't think were good at math. And it feels like by withholding the names that would have a real impact on the extent to which work would be considered as valuable. Because you don't know who created it, you're really looking at the work as opposed to looking at who did the work and then deciding whether it's worth taking up. Did you see any effects like that as you were doing this? Jenna: This is Jenna. I was going to say, I know for me, even once the names were removed, you would still see kids sometimes want to be like, "Oh, who did this?" You could tell they still are almost very fixated on that idea of who is doing the work. So I think by removing it, it still was definitely good too. With time, they started to less focus on "Who did this?" And like you said, it's more taking ownership if they feel comfortable later down the road. But sometimes you would have, several students would choose one approach, kind of what they've seen in classrooms, and then you might have a few other slightly different, of maybe drawing a picture or using division and connecting it to multiplication. And then you never wanted those kids to feel like what they were doing was wrong. Even if they chose the wrong operation, there was still value in seeing how that was connected to the problem or why they got confused. So we never wanted one or two students also to feel individually focused on if maybe what they did initially—not [that it] wasn't correct, but maybe was leading them in the wrong direction, but still had value to understand why they chose to do that. So I think just helping, again, all the strategies work that they did feel valuable and not having any one particular person feel like they were being focused on when we were reflecting on what we put up on display. Mike: I want to go back to one other thing that, Mhret, you mentioned, and I'm going to invite any of you, again, to jump in and talk about this, but this whole idea that part of the prompting that you did when you invited kids to examine the strategies was this question of do you agree or do you disagree? And I think that's a really interesting way to kind of initiate students' reflections. I wonder if you can talk about why this idea of, "Do you agree or do you disagree" was something that you chose to engage with when you were prompting kids? And again, any of you all are welcome to jump in and address this, Anna: It's Anna. I think one of the reasons that we chose to [have them] agree or disagree is because students are starting to look for different ways to address the problem at hand. Instead of being like, "I need to find this final number" or "I need to find this final solution," it's kind of looking [at], "How did this person go about solving the problem? What did they use?" And it gives them more of an opportunity to really think about what they would do and how what they're looking at helps in any way. Jenna: And then this is Jenna. I was also going to add on that I think by being "agree or disagree" versus being like, "yes, I got the same answer," and I feel like the conversation just kind of ends at that point. But they could even be like, "I agree with the solution that was reached, but I would've solved it this way, or my approach was different." So I think by having "agree or disagree," it wasn't just focusing on, "yes, this is the correct number, this is the correct solution," and more focused on, again, that approach and the different strategies that could be used to reach one specific solution that was the answer or the correct thing that you're looking for. Tutita: And this is Tutita, and I agree with all of that. And I can't help but going back just to the word "strategy," which really reflects students' reasoning, their problem solving, argumentation. It's really not a noun; it's a verb. It's a very active process. And sometimes we, as teachers, we're so excited to have our students get the right answer that we forget the fun in mathematics is trying to figure it out.  And I can't help but think of an analogy. So many people love to watch sports. I know Jenna's a huge UConn women's basketball… Jenna: Woohoo! Tutita: …fan, big time. Or if you're into football, whatever it might be, that there's always that goal. You're trying to get as many more points, and as many as you can, more points than the other team. And there are a lot of different strategies to get there, but we appreciate the fact that the team is trying to move forward and individuals are trying to move forward. So it's that idea with the strategy, we need to as teachers really open up that space to allow that to come out and progressively—in the end, we're moving forward even though within a particular time frame, it might not look like we are quite yet. I like the word "yet." But it's really giving students the time that they need to figure it out themselves to deepen their understanding. Mike: Well, I will say as a former Twin Cities resident, I've watched Paige Bueckers for a long time, and… Tutita: There we go. Mike: …in addition to being a great shooter, she's a pretty darn good passer and moves the ball.  And in some ways that kind of connects with what you all are doing with kids, which is that—moving ideas around a space is really not that different from moving the ball in basketball. And that you have the same goal in scoring a basket or reaching understanding, but it's the exchange that are actually the things that sometimes makes that happen. Jenna: I love it. Thank you.  Tutita: Nice job. Mike: Mhret, I wanted to go back to this notion that you were talking about, which is co-naming the strategies as you were going through and reflecting on them. I wonder if you could talk a little bit about, what does co-naming mean and why was it important as a part of the process? Mhret: Mm-hmm. Yeah. So, I think the idea of co-naming and co-identifying the strategies was important. Just to add on to the idea, we wanted it all to be about the students and their voice, and it's their strategy and they're discussing and coming up with everything. And we know of the standard names of strategies like standard algorithm or whatever, but I think it gave them an extra confidence when it was like, "Oh, we want to call it—" I forgot the different names that they would come up with for strategies. Jenna: I think they had said maybe "stacking numbers," something like that. They would put their own words. It wasn't standard algorithm, but like, "We're going to stack the numbers on top of each other," I think was maybe one they had said. Mhret: Mm-hmm. So I think it added to that collaboration within the group that they were in and also just them owning their strategy. And so, yeah. Mike: That leads really nicely into my next question. And Anna, this is one I was going to pose to you, but everyone else is certainly welcome to contribute.  I'm wondering if you could talk a little bit about what happened when you all started to implement this strategy showcase in your classroom. So what impacts did you see on students' efficacy, their confidence, the ways that they collaborated? Could you talk a little bit about that? Anna: So I think one of the biggest things that I saw that I was very proud of was there was less of a need for me to become part of the conversation as the teacher because students were more confident to build off of each other's ideas instead of me having to jump in and be like, "Alright, what do we think about what this person did?" Students, because their work became more anonymous and because everyone was kind of working together and had different strategies, they were more open to discussing with each other or working off of each other's ideas because it wasn't just, "I don't know how to do this strategy." It was working together to really put the pieces together and come to a final agree or disagree.  So it really helped me almost figure out where students are, and it brought the confidence into the students without me having to step in and really officiate the conversation. So that was the really big thing that I saw at least in some of my groups, was that huge confidence and more communication happening. Mhret: Yeah. This is Mhret. I think it was very exciting too, like Anna was saying, that—them getting excited about their work, and everything up on the board is their work. And so seeing them with a sticky note, trying to find the similarities and differences between strategies, and getting excited about what someone is doing, I think that was a very good experience and feeling for me because of the confidence that I saw grow through the process of the kids, but also the collaboration of, "It's OK to use what other people know to build upon the things that I need to build upon." And so I think it just increased collaboration, which I think is really important when we talk about reasoning and strategies. Mike: Which actually brings me to my next question, and Jenna, I was wondering if you could talk a little bit about: What did you see in the ways that students were reasoning around the mathematics or engaging in problem solving? Jenna: Yeah, I know one specific example that stood out was—again, that initial thing of when we gave a student a problem, they would look to the teacher and a little bit later on in the process when giving a problem, we had done putting the strategies up, we'd cocreated the names, and then they were trying a similar problem independently. And one of my students right off the bat had that initial reaction that we would've seen a few weeks ago of being like, "I don't know what to do." And she put a question mark on the paper. So I gave her a minute and then she looked at me and I said, "Look at this strategy. Look at what you and your classmates have done to come together." And then she got a little redirection, but it wasn't me telling her what to do. And from there I stepped away and let her just reference that tool that was being displayed. And from there, she was able to show her work, she was able to choose a strategy she wanted to do, and she was able to give her answer of whether she agreed or disagreed on what she had seen. So I think it was just again, that moment of realizing that what I needed to step in and do was a lot smaller than it had previously been, and she could use this tool that we had created together and that she had created with her peers to help her answer that question. Anna: I think to add onto that, it's Anna, there was a huge spike in efficiency as well because all these different strategies were being discovered and brought to light and put onto the strategy showcase. Maybe if we're talking about multiplication, if some student had repeated addition in the beginning and they're repeatedly adding numbers together to find a multiplication product, they're realizing, "Oh my goodness, I can do this so much more efficiently if I use this person's strategy or if I try this one instead." And it gives them the confidence to try different things. Instead of getting stuck in the rut of saying, "This is my strategy and this is the way that I'm going to do it," they became a little more explorative, and they wanted to try different things out or maybe draw a picture and use that resource to differentiate their math experience. Mike: I want to mark something here that seems meaningful, which is this whole notion that you saw this spike. But the part that I'm really contemplating is when you said kids were less attached to, "This is my strategy" and more willing to adopt some of the ideas that they saw coming out of the group. That feels really, really significant, both in terms of how we want kids to engage in problem solving and also in terms of efficacy. That really I think is one to ponder for folks who are listening to the podcast, is the effect on students' ability to be more flexible in adopting ideas that may not have been theirs to begin with. Thank you for sharing that. Anna.  I wonder if you could also spend a bit of time talking about some of the ways that you held onto or preserve the insights and the strategies that emerged during a showcase. Are there artifacts or ways that a teacher might save what came from a strategy showcase for future reference? Anna: So, I think the biggest thing as a takeaway and something to hold onto as a teacher who uses the strategy showcase is the ability to take a step back and allow students to utilize the resources that they created. And I think something that I used is I had a lot of intervention time and time where students were able to work in small groups and work together in teams and that sort of thing, keeping their strategies and utilizing them in groups. Remember when this person brought up this strategy, maybe we can build off of that and really utilizing their work and carrying it through instead of just putting it up and taking it down and putting up another one. Really bringing it through. And any student work is valuable. Anything that a student can bring to the table that can be used in the future, like holding onto that and re-giving them that confidence. "Remember when this person brought up that we can use a picture to help solve this problem?" Bringing that back in and recycling those ideas and bringing back in not just something that the teacher came up with, but what another student came up with, really helps any student's confidence in the classroom. Mike: So I want to ask a question, and Tutita and Mhret, I'm hoping you all can weigh in on this. If an educator wanted to implement the strategy showcase in their classroom, I want to explore a bit about how we could help them get started. And Tutita, I think I want to start with you and just say from a foundational perspective of building the understanding that helps support something like a strategy showcase, what do you think is important? Tutita: I actually think there are two critical things. The first is considering the social aspect and just building off of what Anna was saying is, if you've listened carefully, she's really honoring the individual. So instead of saying, "Look," that there was this paper up there—as teachers, we have a lot on our walls—it's actually naming the student and honoring that student, even though it's something that as a teacher, you're like, "Yes, someone said it! I want them to actually think more about that." But it's so much more powerful by giving students the credit for the thinking that they're doing to continue to advance that. And all that starts with assuming that students can. And oftentimes at the elementary level, we tend to overlook that. They're so cute—especially those kindergartens, pre-K, kindergarten—but it's amazing what they can do. So if you start with assuming that they can and waiting for their response, then following up and nurturing that, I think you as teachers will get so much more from our students and starting with that confidence. And that brings me to the next point that I think listeners who teach in the upper elementary grades or maybe middle school or high school might be like, "Oh, this sounds great. I'll start with them." But I want to caution that those students might be even more reticent because they might think that to be a good math student, you're supposed to know the answer, you're supposed to know it quickly, and there's one strategy you're supposed to use. And so, in fact, I would argue that probably those really cute pre-K and kindergartners will probably be more open because if anyone has asked a primary student to explain what they have down on paper, 83 minutes later, the story will be done.  And so it might take time. You have to start with that belief and just really going with where your class and individuals are socially. Some of them might not care that you use their name. Others might, and that might take time. So taking the time and finding different ways to stay with that belief and make sure that you're transferring it to students once they have it. As you can hear, a lot of what my coauthors mentioned, then they take it from there. But you have to start with that belief at the beginning that elementary students can. Mike: Mhret, I wonder if you'd be willing to pick up on that, because I find myself thinking that the belief aspect of this is absolutely critical, and then there's the work that a teacher does to build a set of norms or routines that actually bring that belief to life, not only for yourself but for students. I wonder if you could talk about some of the ways that a teacher might set up norms, set up routines, maybe even just set up their classroom in ways that support the showcase. Mhret: Yeah. So practically, I think for the strategy showcase, an important aspect is finding a space that's accessible to students because we wanted them to be going back to it to use it as a resource. So some of us used a poster board, a whiteboard, but a vertical space in the room where students can go and see their work up I think is really important so that the classroom can feel like theirs. And then we also did a group norm during our first meeting with the kids where we co-constructed group norms with the kids of like, "What does it look like to disagree with one another?" "If you see a strategy that you haven't used, how can you be kind with our words and how we talk about different strategies that we see up there?" I think that's really important for all grades in elementary because some kids can be quick to their opinions or comments, and then providing resources that students can use to share their idea or have their idea on paper I think is important. If that's sticky notes, a blank piece of paper, pencils, just practical things like that where students have access to resources where they can be thinking through their ideas.  And then, yeah, I think just constantly affirming their ideas that, as a teacher, I think—I teach second grade this year and [they are] very different from the fourth graders that I student taught—but I think just knowing that every kid can do it. They are able, they have a lot in their mind. And I think affirming what you see and building their confidence does a lot for them. And so I think always being positive in what you see and starting with what you see them doing and not the mistakes or problems that are not important. Mike: Jenna, before we go, I wanted to ask you one final question. I wonder if you could talk about the resources that you drew on when you were developing the strategy showcase. Are there any particular recommendations you would have for someone who's listening to the podcast and wants to learn a little bit more about the practices or the foundations that would be important? Or anything else that you think it would be worth someone reading if they wanted to try to take up your ideas? Jenna: I know, in general, when we were developing this project—a lot of it again came from our seminar class that we did at UConn with Tutita—and we had a lot of great resources that she provided us. But I know one thing that we would see a lot that we referenced throughout our article is the National Council of Teachers of Mathematics. I think it's just really important that when you're building ideas to, one, look at research and projects that other people are doing to see connections that you can build on from your own classroom, and then also talking with your colleagues. A lot of this came from us talking and seeing what we saw in our classrooms and commonalities that we realized that we're in very different districts, we're in very different grades and what classrooms look like. Some of us were helping, pushing into a general ed classroom. Some of us were taking kids for small groups. But even across all those differences, there were so many similarities that we saw rooted in how kids approach problems or how kids thought about math. So I think also it's just really important to talk with the people that you work with and see how can you best support the students. And I think that was one really important thing for us, that collaboration along with the research that's already out there that people have done. Mike: Well, I think this is a good place to stop, but I just want to say thank you again. I really appreciate the way that you unpack the features of the strategy showcase, the way that you brought it to life in this interview. And I'm really hopeful that for folks who are listening, we've offered a spark and other people will start to take up some of the ideas and the features that you described. Thanks so much to all of you for joining us. It really has been a pleasure talking with all of you. Jenna: Thank you.  Anna: Thank you Mhret: Thank you.  Tutita: Thank you so much. Mike: This podcast is brought to you by The Math Learning Center and the Maier Math Foundation, dedicated to inspiring and enabling all individuals to discover and develop their mathematical confidence and ability. © 2025 The Math Learning Center | www.mathlearningcenter.org

This week, join Greg, Scott, and Morgan as they break down the economic data released last week, and explain what makes Gen Z members so special. Filmed at Brown Harris Stevens' Studio 1873, Part of the Mastery of Real Estate (MORE) Network. Subscribe: https://podcasts.apple.com/us/podcast/crossing-the-line/id1715709313 Watch: https://www.youtube.com/playlist?list=PL7_x00Dbn3OSwzBAeflzGNqX3GrWvOMdJ Connect with Greg Heym: https://www.bhsusa.com/about-gregory-heym Market Report Data: https://www.bhsusa.com/market-reports Submit your "Crossing the Line" questions: CTL@bhsusa.com Connect with Scott Nadler of CrossCountry Mortgage: https://crosscountrymortgage.com/brooklyn-ny-5601/scott-nadler/ Connect with Shahriar Sedgh of Sedgh & Zuckerman PLLC: shar@sznylaw.com Learn More About The Everset: https://theeverset.com/ Brown Harris Stevens is one of the largest privately owned real estate brokerages in the country, with more than 40 offices across four states: New York, New Jersey, Connecticut, and Florida. https://bhsusa.com/ #crossingtheline #economy #realestate #theline #gregheym #mortgages #mortgagerates #interestrates

In this episode of the Teaching Literacy Podcast, host Jake Downs discusses with Dr. Michael Coyne from the University of Connecticut the concept of advanced phonemic awareness and its implications for early reading proficiency. Dr. Coyne shares findings from his recent study that examines the impact of using oral-only advanced phonemic awareness instruction on first graders. They explore the theoretical underpinnings, practical recommendations for teachers, and the overall relevance of these findings to classroom practice. Tune in to understand the nuanced debate around advanced phonemic awareness and its role in effective literacy instruction. 00:00 Introduction to Advanced Phonemic Awareness01:33 Guest Introduction: Dr. Michael Coyne02:25 Defining Phonological and Phonemic Awareness06:29 Research on Phonemic Awareness10:04 Advanced Phonemic Awareness: Concepts and Tasks12:17 Theoretical Underpinnings and Critiques20:21 Study Overview: Curriculum and Implementation26:55 Study Design and Measures29:44 Evaluating Phonemic Awareness Instruction30:46 Study Results: Phonemic Awareness Outcomes32:54 Near Transfer Outcomes: Word Reading and Fluency34:53 Exploring Differential Benefits37:39 Recommendations for Phonemic Awareness Instruction42:17 Balancing Oral and Integrated Phonemic Awareness Activities50:15 Optimism in Literacy Research and Instruction52:29 Jake’s Take on Teaching Phonemic AwarenessReference:Coyne, M. D., McCoach, D. B., Santoro, L. E., Gentile, M., Rodrigues, C., & Kastner, P. (2025). The Effects of Advanced Phonemic Awareness Instruction in First Grade. The Elementary School Journal, 000–000. https://doi.org/10.1086/737952

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The Girl Scouts have always held a special place in Elicia Pegues Spearman's life. “My mother was a Girl Scout Brownie when she was growing up,” Pegues Spearman told the CBIA BizCast. “I was a Brownie here in Connecticut, and my daughter was a Girl Scout, and I was a coach, troop leader.” Despite that history, Pegues Spearman never imagined leading Girl Scouts of Connecticut. “I've enjoyed my career as a lawyer,” she said. “I've had a really good career.” Her career included legal counsel and HR roles at the State of Connecticut, the FBI, Aetna, Hubbell Incorporated, General Dynamics Electric Boat, and Quinnipiac University. She reconnected with Girl Scouts in 2022 when she received a Breakfast Badge, an award honoring woman for community contributions. She stayed in touch with the then-CEO and, in 2024, became CEO herself. “The Girl Scouts is a lot of fun,” she said about making the career shift. “I don't like to be bored.” While cookies often come to mind when you think of the Girl Scouts—it's the organization's biggest initiative teaching entrepreneurship, customer service, and money management—the organization's purpose runs deeper. “We are more than cookies, camps and badges,” Pegues Spearman said. “Our whole mission is to build girls of confidence, character, and courage. “To do that, we have many programs and skill building that build leadership development that our girls are involved in.” Pegues Spearman said the Girl Scouts of Connecticut focus on outdoor skills, life skills, business skills, and STEAM education. Pegues Spearman highlighted Camp Sikorsky and Camp CEO as examples of programs that give girls experiential learning opportunities. The Girl Scouts of Connecticut focus on outdoor skills, life skills, business skills, and STEAM education. “I just feel like we're giving them the secrets to success earlier on in their lives,” Pegues Spearman said. “They kind of have a roadmap about what it means to be successful.” One of the best parts, she said, is watching girls interact and grow in confidence. “Seeing that sparkle in their eye and that like, ‘wow, I just did that,'” she said. As the leader of a nonprofit, Pegues Spearman said being successful means navigating challenges. “I think the biggest challenge is obviously resources. We're a nonprofit. We have tight budgets, and we depend on volunteers,” she said. Pegues Spearman credits her team of paid employees and volunteers for the success of the organization. “My staff loves our mission, and we work every day with that mission in mind,” she said. “It's easy when you're supporting youth.” As part of its mission, the Girl Scouts of Connecticut is working to expand access for girls of all abilities and backgrounds, with a special focus on underserved communities. “We want all girls of all abilities to be able to access Girl Scouts,” she said. In addition to her role with the Girl Scouts, Pegues Spearman serves as the North Atlantic Regional Director of Alpha Kappa Alpha Sorority. The sorority is the oldest Greek-letter organization established by African American college-educated women. Pegues Spearman said she finds natural alignment between her work with the sorority and her role with the Girl Scouts. “Being the leader of the Girl Scouts, going to an all-women's college, being in an all-women's sorority—it's natural for me to be involved with girls and youth,” she said. “This is my special passion—to mentor girls and have them be their best and have them try things they would have never tried.” Related Links: Girl Scouts of Connecticut Website: https://www.gsofct.org/ LinkedIn: https://www.linkedin.com/company/gsofct/ Elicia Pegues Spearman LinkedIn: https://www.linkedin.com/in/eliciaspearman/ CBIA Website: https://www.cbia.com/ LinkedIn: https://www.linkedin.com/company/cbia/

Connecticut hasn't received an official warning yet on food stamp funding. Governor Hochul wants changes made to an aid in dying bill before signing it. Plus, parents of children with autism in Connecticut say getting services has been a struggle.

When it comes to getting behind the wheel, there’s a lot to be stressed about, and we're not just talking about bad drivers. The average cost of a new car today is about $50,000. Car insurance rates have risen 55% since February 2020. Car maintenance costs are also on the rise. Today, we talk about what you should know if you’re in the market for a new vehicle. Later, we hear from the Connecticut Mirror. They recently completed an in-depth investigation into vehicle-selling practices at Connecticut towing companies. GUESTS: Dave Altimari: Investigative Reporter at the Connecticut Mirror Ginny Monk: Children's Issues and Housing Reporter for the Connecticut Mirror Tracy Noble: Spokesperson for AAA in Greater Hartford Camila Domonoske: Car and Energy Correspondent at the NPR Business Desk Support the show: http://wnpr.org/donateSee omnystudio.com/listener for privacy information.

Dale Martin, City Manager of Flagler Beach, joins host Steve Vancore to discuss his transition from Connecticut to Florida and his love of board games (he owns more than 600!). Dale draws parallels between the complexity of board games and the skills needed to manage a city effectively, including strategy, adaptation, and foresight. The conversation also explores the importance of having an exit strategy in city management, particularly given the political nature of the role and the challenges that can come unexpectedly.

In this episode of EisnerAmper's Engaging Alternatives Spotlight, Elana Margulies-Snyderman, Director, Publications, speaks with Chris Paolino, Portfolio Manager at Esker Point Advisers LLC, a commodities-focused investment advisor and affiliate of Titan Advisors, a global alternative investment firm with over $2 billion in firm assets, based in Connecticut. Chris shares his outlook for commodities investing, including the greatest opportunities, challenges and more. Disclaimer: The statements made herein by Chris Paolino represent his personal views and opinions as of the date of this interview and do not necessarily reflect those Titan Advisors, LLC or its affiliates. This presentation is not intended to constitute investment advice; nor does it constitute an offer to sell or a solicitation of an offer to buy any security, investment product, or service. No recommendation or advise is being given as to whether any investment is suitable for a particular investor. To the extent this presentation contains forward-looking statements there is no assurance or guarantee that any forward-looking statements will come to pass or that future results will be consistent with any information provided. ✨ What you'll learn:

When Dale Earnhardt Jr. had his longtime friend and crew member Kevin “Two Beers” Pennell on the Download last time, their conversation was so engrossing that he had to come back for more. They pick up where they left off, in Dale Jr.'s rookie season in the famed Bud 8 car. They recall some choice encounters with Dale Sr., including a wreck at Bristol and their Cup debut at Martinsville, where Dale Jr. couldn't get out of the way quickly enough. Dale and Kevin relive their thrilling victory in the 2000 All-Star race, where some key decision-making by Tony Eury Jr. helped put them in contention. The 2001 Daytona 500 is also discussed, with both men sharing their respective experiences of the post-race events after Dale Sr.'s tragic accident. Dale and Kevin talk about some “ingenuity” and “innovation” that was taking place in the shop and on pit road to help close the gap on the more established Cup teams. They rehash the highs and lows of the 2001 season and their hot streak at Daytona and Talladega, which led up to the winning of the 2004 Daytona 500. Dale asks Kevin for his perspective on the team switch at Dale Earnhardt Inc., which stemmed from a falling out with Eury Jr. They also chat about Dale and Eury Jr. leaving for Hendrick Motorsports, and Kevin's decision to stay loyal to DEI. The interview goes on to cover the whirlwind years of DEI, which saw it get absorbed by Ginn Racing, the acquisition by Tony Stewart, and the inception of Stewart Haas Racing and its eventual closure at the end of the 2024 season. And for more content check out our YouTube page: https://www.youtube.com/@DirtyMoMediaReal fans wear Dirty Mo. Hit the link and join the crew.

Watch The X22 Report On Video No videos found (function(w,d,s,i){w.ldAdInit=w.ldAdInit||[];w.ldAdInit.push({slot:17532056201798502,size:[0, 0],id:"ld-9437-3289"});if(!d.getElementById(i)){var j=d.createElement(s),p=d.getElementsByTagName(s)[0];j.async=true;j.src="https://cdn2.decide.dev/_js/ajs.js";j.id=i;p.parentNode.insertBefore(j,p);}})(window,document,"script","ld-ajs");pt> Click On Picture To See Larger PictureThe [CB] is pushing their agenda across the country and world. They are now pushing their Universal Basic Income in Illinois, this will fail. US production is picking up. SEC is cracking down on ETF’s. Trump has now nominated Kevin Hassett to take over the position of Powell. This restructuring will begin soon and the alternative currency will show it. The [DS] knows they are running out of time and they are losing control over Zelensky, this is why they are now pushing a war with Russia. They do not want peace. Trump is exposing the corruption and pushing for elections to remove Zelensky. Trump has null and voided everything Biden/Obama have done over the last 4 years. It’s like everything they did doesn’t exist. The [DS] is boxed in, there is no escape. Economy https://twitter.com/MJTruthUltra/status/1996238986650464720?s=20   government, and I’m here to help,”. (function(w,d,s,i){w.ldAdInit=w.ldAdInit||[];w.ldAdInit.push({slot:18510697282300316,size:[0, 0],id:"ld-8599-9832"});if(!d.getElementById(i)){var j=d.createElement(s),p=d.getElementsByTagName(s)[0];j.async=true;j.src="https://cdn2.decide.dev/_js/ajs.js";j.id=i;p.parentNode.insertBefore(j,p);}})(window,document,"script","ld-ajs"); https://twitter.com/AwakenedOutlaw/status/1996060994892955661?s=20   logs, program letters, etc. weekly or be limited to 3-months of SNAP benefits in a 3-year period. US Industrial Production Sees Biggest Annual Gain In 3 Years Despite Slowing Capacity Utilization    Industrial Production rose just 0.1% MoM (as expected) up from the downwardly revised 0.3% MoM decline in August. On a YoY basis, production rose 1.62% – its best since Nov 2022… US Manufacturing output was unchanged in September (slowing from the 0.1% MoM rise in August), but, like IP, that supported a 1.5% YoY rise in output, its highest level since April 2022… Source: zerohedge.com https://twitter.com/KobeissiLetter/status/1996217766366400884?s=20  registration of ETFs that seek to provide more than 200% (2x) leveraged exposure to underlying indices or securities,” the SEC wrote. Leverage is clearly out of control. Bessent says White House may ‘veto’ Federal Reserve presidents   Treasury Secretary Scott Bessent said Wednesday he would push a new requirement that the Federal Reserve’s regional bank presidents live in their districts for at least three years before taking office, a move that could give the White House more power over the independent agency.  Bessent said that “there is a disconnect with the framing of the Federal Reserve” and added that, “unless someone has lived in their district for three years, we’re going to veto them.” Source: msn.com https://twitter.com/KobeissiLetter/status/1995954684859941373?s=20   In a July 2025 interview, Hassett highlighted the Fed’s origins under the gold standard in 1913 to critique current practices: “When the Federal Reserve was created, we were under the Gold Standard—and the idea that the Fed could print money and then spend $2.5B on a building… I think that we’ve got a real problem of oversight and excess spending.”   This aligns with sound money ideals, where gold symbolizes disciplined, non-inflationary currency, but he stops short of calling for reinstatement.  Monetary economist Judy Shelton (author of Good as Gold) praised Hassett in July 2025 for referencing the gold standard, noting it as a reminder that “Fed has a lot to answer for” in deviating from that era’s stability.  Hassett views Bitcoin as “digital gold” for its scarcity and hedge qualities—echoing sound money without physical backing. Political/Rights https://twitter.com/amuse/status/1996252623209373754?s=20  created sweeping exemptions covering Afghans who worked for the Taliban during the first regime (1996-2001) and again after August 2021, enabling hundreds of individuals normally barred under terrorism laws to enter the U.S. TRIG waivers skyrocketed to 6,848 in FY 2024, the vast majority for refugees, including 374 Taliban civil servants and more than 3,000 individuals who provided “limited” support to Tier 1 or 2 terror groups. Now, after the ambush killing of a West Virginia National Guard soldier by Afghan national Rahmanullah Lakanwal, critics say Biden knowingly imported massive security risks into American neighborhoods. OUTRAGE: Minneapolis Police Chief Urges Somali Community to Dial 911 on Masked ICE Agents — Promises Cops Will “Intervene” Against Federal Arrests Minneapolis Police Chief Brian O'Hara speaks at a press conference alongside city officials as he urges Somali residents to call 911 on masked individuals Police leadership in Minneapolis is urging the city's Somali community, and other immigrant residents, to call 911 if they spot masked individuals detaining people in their neighborhoods. He urged community members to call 911 if they were unsure whether those enforcing arrests were legitimate law enforcement — and pledged MPD would investigate and log every such call. He did not stop at documentation, however. “If there is anything that is … a violation of someone's human rights or civil rights, excessive force or anything like that, they absolutely have a duty to intervene as police officers,” O'Hara declared. https://twitter.com/libsoftiktok/status/1995956308902879320?ref_src=twsrc%5Etfw%7Ctwcamp%5Etweetembed%7Ctwterm%5E1995956308902879320%7Ctwgr%5E19002c76c52297fc2dd58664d00870448c39f149%7Ctwcon%5Es1_c10&ref_url=https%3A%2F%2Fwww.thegatewaypundit.com%2F2025%2F12%2Foutrage-minneapolis-police-chief-urges-somali-community-dial%2F Source: thegatewaypundit.com UNREAL: Mayor Jacob Frey Declares He Won't Cooperate With ICE… and Suddenly Starts Speaking Somali to His Audience Mid-Speech Minneapolis far-left Mayor Jacob Frey abruptly shifted a public address into Somali, all while promising that city police will refuse to cooperate with federal immigration enforcement. At a press conference held on Tuesday, Frey stood alongside St. Paul Mayor Melvin Carter, Ward 6 Council Member Jamal Osman, Police Chief Brian O'Hara, and other city leaders, reacting to reports that the federal government is preparing a targeted immigration enforcement operation in Minnesota's Twin Cities. This is not the first time the far-left mayor has drawn backlash from conservatives for switching into Somali during public remarks. Source: thegatewaypundit.com https://twitter.com/DHSgov/status/1995991450530553880?s=20 https://twitter.com/RapidResponse47/status/1995920756203516224?ref_src=twsrc%5Etfw%7Ctwcamp%5Etweetembed%7Ctwterm%5E1995920756203516224%7Ctwgr%5E7752673c29b3a4de82187485d2de8512019722ba%7Ctwcon%5Es1_c10&ref_url=https%3A%2F%2Fredstate.com%2Frusty-weiss%2F2025%2F12%2F02%2Ftim-walz-gets-skewered-by-kristi-noem-over-visa-fraud-warns-minnesota-is-about-to-feel-the-wrath-of-ice-n2196746 https://twitter.com/townhallcom/status/1995918101200703814?ref_src=twsrc%5Etfw%7Ctwcamp%5Etweetembed%7Ctwterm%5E1995918101200703814%7Ctwgr%5E6e01980749bee6d0aabd2036c6c2b51da5cb194a%7Ctwcon%5Es1_c10&ref_url=https%3A%2F%2Fredstate.com%2Fkatie-jerkovich%2F2025%2F12%2F02%2Fpam-bondi-proves-trumps-flipped-script-on-crime-in-us-n2196748 https://twitter.com/DiligentDenizen/status/1996268038895907125?ref_src=twsrc%5Etfw%7Ctwcamp%5Etweetembed%7Ctwterm%5E1996268038895907125%7Ctwgr%5Efc686f6c13365f75910a196f3fa3620a5f168083%7Ctwcon%5Es1_c10&ref_url=https%3A%2F%2Fwww.thegatewaypundit.com%2F2025%2F12%2Fbreaking-house-oversight-committee-dems-release-never-before%2F https://twitter.com/JoeLang51440671/status/1996022839250461041?s=20 DOGE Geopolitical https://twitter.com/disclosetv/status/1996173544884154529?s=20  https://twitter.com/CynicalPublius/status/1996233719469035734?s=20 https://twitter.com/JimFergusonUK/status/1996175636352700892?s=20  , and even Hezbollah have a presence in South America — and their anchor presence is inside Venezuela.” Let that sink in. 8 million Venezuelans displaced Spillover into Colombia, Brazil, the U.S. Cartels, trafficking networks, and Iranian intelligence embedded in the region Rubio isn't speaking hypothetically — he's confirming what U.S. intel has known for years: Venezuela is no longer just a failed socialist state. It's a forward operating base for Iran and Hezbollah in the Western Hemisphere. This is why the situation is escalating. This is why Trump's ultimatum matters. This is why Maduro's regime cannot be ignored or “managed.” The threat isn't local — it's global. War/Peace https://twitter.com/sentdefender/status/1995724042285056018?s=20  that was left in unsecured parking lot in an industrial area near Burg in Saxony-Anhalt, according to the German Ministry of Defense. https://twitter.com/EricLDaugh/status/1996226688363979160?s=20   the beginning of the war for fossil fuels. Now we’re down to €1.5 billion per month…we aim to bring it down to ZERO.” “This is a good day for Europe and for our independence from Russian fossil fuels — this is how we make Europe resilient.”    “The European Union agreed on Wednesday to phase out Russian gas imports by late 2027 as part of an effort to end the bloc’s decade-long dependency on Russian energy.” – Reuters https://twitter.com/MyLordBebo/status/1996207752134488284?s=20 https://twitter.com/MarioNawfal/status/1996197728167043438?s=20   text does not address our concerns.” Meaning: No legal cover, no political suicide. The plan was simple on paper – use immobilized Russian funds as collateral for loans to keep Ukraine afloat. But Belgium is the custodian of the largest chunk of those assets. If something goes wrong, they're the ones holding the radioactive bag. This isn't some bureaucratic squabble. It's the EU's financing strategy cracking in real time. Prévot's pushback signals the core fear: If Europe touches Russian state money without watertight legal armor, Moscow retaliates – economically, diplomatically, and possibly through countersanctions on European firms. And here's the thing: the Commission thought it had majority backing. Belgium saying “nope” on the morning of rollout is a political body-slam. Happening next? The EU will scramble to rewrite the legal plumbing. Germany and France will pressure Belgium quietly – nobody wants to admit the plan is wobbling. Russia will weaponize the hesitation as proof the West can't agree on how to bankroll Ukraine. And Kyiv? Still waiting for the money that was supposed to be “already there.” Another example of Europe discovering that seizing assets is easy. Using them? That's where the real war begins.    Ursula von der Leyen did not state that she received “permission” from the US to seize Russian assets. In a recent appearance at the GLOBSEC forum, she said that she informed the incoming Trump administration (specifically mentioning a conversation with Treasury Secretary nominee Scott Bessent) about the EU’s proposal to use frozen Russian assets as collateral for a “reparations loan” to Ukraine, and that “it was positively received.” https://twitter.com/briefing_block_/status/1996241939931201801?s=20 https://twitter.com/Dubinsky_pro/status/1996242036417028176?s=20  regime. Now the system is falling apart. Yermak is out. The crackdown is collapsing. Ukraine must release all political prisoners. I call on everyone involved in peace talks to demand this from Zelensky. These people committed no crimes. They were jailed for their faith, political views and demanding peace. Zelensky built a dictatorship – and filled prisons with dissent. I know what I'm talking about: I spent 24 months behind bars under this system. https://twitter.com/MarioNawfal/status/1996231792752287822?s=20  to Brussels to meet Zelensky, the team returned to Washington. No official reason was given, but the message is clear: there's no deal, yet. Putin's warning didn't help. He said Russia is “ready” for war in Europe and claimed any future conflict would be so fierce that “nobody will be left to negotiate with.” This setback casts doubt on whether a negotiated end to the war is possible anytime soon. It also suggests Kyiv isn't ready to engage on Moscow's terms. What's next: Watch for how Ukraine positions itself diplomatically in the coming weeks, and whether Trump's team will try again with a revised proposal. https://twitter.com/MJTruthUltra/status/1996059724173754525?s=20   situation may quickly arise where there is no one left for us to negotiate with” https://twitter.com/Panchenko_X/status/1996192741508645286?s=20  been given the black mark and is seen globally as corrupt. Many Ukrainian politicians are already quietly fleeing to Moscow in an attempt to negotiate. They hope that the Russians and Americans will come and shower everyone with money for the elections. It won’t happen that way. According to my information, the US and Russia are already discussing possible candidates for the position of President. I cannot make the names public. https://twitter.com/TimOnPoint/status/1995949121929138184?s=20   targets is the rule, not the exception. The physical status of possible survivors is not part of the consideration with stand-off weapons. This has been the norm under both Republican and Democrat administrations since the first Hellfire was mounted on a Predator years ago. Anyone who tells you otherwise, is lying or ignorant. The method is ugly, no doubt about it, but there's nothing new here except politics. https://twitter.com/WarClandestine/status/1996006625333727410?s=20 Medical/False Flags https://twitter.com/JoeLang51440671/status/1996048243516456967?s=20 Man in TSA Sues Feds for Not Allowing Him to “Pat Down” Women   A man who says he is a woman is suing the federal government over restrictions in his job at the Transportation Security Administration that do not allow him to “pat down” female travelers. That restriction followed an executive order from President Donald Trump against recognizing transgenderism claims in the federal government. The claim being made by Mittereder is that the policy violates federal civil rights law. According to the report on the recently filed lawsuit, Mittereder began working at the TSA in 2024 and now is stationed at Dulles International Airport in Virginia. He claims because he is not allowed to pat down women, his job prospects are being hurt. Source:  thelibertydaily.com  [DS] Agenda https://twitter.com/TheLastRefuge2/status/1996069477197451483?s=20   questioning people (McCord, Wolfe, Jones, Warner and various staff), not merely discussing them. Rather than talk about what XXX is doing, or what motivates XXX, they would simply be going to XXX asking questions (on/off camera) and then reporting on what XXX responds with. Instead, what we are getting is a screenplay, that the ‘journalists’ (battle for influence) sell through various platforms. From here on out when I see it, I will draw attention to it. After a few examples it will become obvious. https://twitter.com/LauraLoomer/status/1996183770790048092?s=20  1, 2025, Maxine's California residence remains in default with a redemption amount still due totaling $21,302.95, despite her recent payment of $19,033.94 on August 13, 2025. Maxine also is incurring a monthly penalty of $301.45. Maxine is not competent to serve as the ranking member on the House Financial Services Committee when she cannot even keep her own house in order. https://twitter.com/SBA_Kelly/status/1995846331202457607?s=20   executives implicated in these schemes. Despite Governor Walz's best efforts to obstruct, SBA continues to work to expose abuse and hold perpetrators accountable, full stop. https://twitter.com/GOPoversight/status/1996237594514915451?s=20 https://twitter.com/TonySeruga/status/1996226960393957435?s=20 https://twitter.com/IlhanMN/status/1995957774510162165?s=20 https://twitter.com/almostjingo/status/1996051371251155359?s=20 https://twitter.com/elonmusk/status/1996222235783401610?s=20 So all of these people were installed. https://twitter.com/amuse/status/1996195848087384084?s=20 https://twitter.com/disclosetv/status/1995934359569007036?s=20 President Trump's Plan https://twitter.com/StateDept/status/1996218048458490302?s=20   imminent threat to the world and to the broader West, but especially the United States who they identify as the chief source of evil on the planet.” https://twitter.com/elonmusk/status/1996213829802307948?s=20  that received benefits more than twice – multiple people received benefits in 6 states – In February, for the first time ever, the Federal Government asked for alls rates to turn over their data to root out the fraud. —— 29 Red states said yes —— 21 Blue states said no “So as of next week, we have begun and will begin to stop moving federal funds into those states until they comply. California, Colorado, Connecticut, Delaware, Hawaii, Illinois, Maine, Maryland, Massachusetts, Michigan, Minnesota, Nevada, New Jersey, New Mexico, New York, Oregon, Pennsylvania, Rhode Island, Vermont, Virginia, Washington https://twitter.com/MediasLies/status/1996279507079008317?s=20   states already share the data with zero privacy disasters. – USDA's own audits show $10–15 billion a year in improper payments and fraud. – The “court order” she keeps citing is a preliminary injunction, not a final ruling. Refusing basic federal oversight of a fully federally funded program isn't about privacy. It's about protecting bloated rolls and hiding waste. BREAKING: In Stunning Development, President Trump Issues Full and Unconditional Pardon to Texas Democrat Rep. Henry Cuellar  Biden's DOJ charged Cuellar, a nine-term Democrat Texas lawmaker who represents an area along the US-Mexico border, after he lashed out at both Joe Biden and Kamala Harris for allowing illegal aliens to pour over the border.    the TRUTH. It is unAmerican and, as I previously stated, the Radical Left Democrats are a complete and total threat to Democracy! They will attack, rob, lie, cheat, destroy, and decimate anyone who dares to oppose their Far Left Agenda, an Agenda that, if left unchecked, will obliterate our magnificent Country. Because of these facts, and others, I am hereby announcing my full and unconditional PARDON of beloved Texas Congressman Henry Cuellar, and Imelda. Henry, I don't know you, but you can sleep well tonight — Your nightmare is finally over! Source: thegatewaypundit.com https://twitter.com/MarioNawfal/status/1996053923820351745?s=20  despite recent disagreements: Senator Paul: “I know we have been at odds recently but in ur first term you signed an executive order to legalize Association Health Plans (that allow individuals to buy collectively health insurance via Costco, Amazon, or Sam’s Club). This collaboration brought us together and still holds the promise of lowering insurance premiums.” Paul noted the plan failed because Democrat AGs fought it in court, but it could now pass through Congress. Here’s why this matters: the current system forces individuals to buy insurance alone, giving them zero bargaining power against massive insurance companies. Association Health Plans let people band together through retailers or organizations to negotiate as a group, the same way large corporations do for their employees. More buyers in a pool means more leverage. More leverage means lower premiums. It costs nothing to implement and simply changes labor law. Competition works. Let Americans shop for insurance the same way they shop for everything else. https://twitter.com/EliseStefanik/status/1995856738994565416?s=20  Raskin against Trump Republicans to block this provision to protect the deep state. This is an easy one. This bill is DOA unless this provision gets added in as it was passed out of committee https://twitter.com/FBIDDBongino/status/1996205447917781326?s=20 -The Director and I made a long series of important personnel changes. The new leadership team has produced dramatic results which we will produce for you, in detail, as the year wraps up. They will include a historic drop in the homicide rate, along with record disruptions, arrests and drug interdictions. Many of these personnel changes have upset a group of Comey-Wray era disgruntled former agents who prefer the old ways of operating. We are not going back -We have been working on an AI project to assist our investigators and analysts in the national security space. I received an update yesterday and I am happy to report that the product looks promising. More coming on this. – We are in the end stages of a redesign of the FBI crisis management process. The redesign is intended to make information more accessible and transparent in a crisis to enable quick and effective decision making. The project should be complete by the end of the calendar year. -We saved the taxpayers billions of dollars by scrapping the plan for an expensive new FBI headquarters building. We will be moving to the existing Reagan building after decades of fruitless haggling as the current FBI headquarters building crumbles. -We relocated over a thousand headquarters based personnel out of the Washington DC area and into the field to focus on violent crime, crimes against children, and terrorism. Those agents are now working on the mission in those regional offices. -In recognition of the growing threat, and in conjunction with the President's Executive Order, we designed, launched and completed the FBI's first-ever counter-drone school last month. Special thanks to Sebastian Gorka and DDCOS Regan for their help on the project. -The work force apprehended 4 of the FBI's 10 most wanted fugitives, and we are hunting down the rest. -We produced unprecedented disclosures, and took action on documents related to January 6, Crossfire Hurricane, Arctic Frost, and more. -The new leadership team, and the work force, made a series of ANTIFA related arrests in multiple states and assisted in record numbers of deportations and apprehensions. -Some of the culture changes we implemented include eliminating DEI, reforming the physical fitness test, making promotions contingent on real world results, severing ties with the SPLC and ADL, and implementing a new training curriculum to reflect current mission requirements. We dedicated significant personnel and financial assets to streamlining FOIA reform to ensure responsiveness. -We shut down multiple open air drug markets nationwide and, in conjunction with the White House, had 12 fentanyl precursors from China listed. -We created CIO and CTO positions to work with the CFO to find efficiencies and implement new technologies to assist in our mission. We conduct bi-weekly meetings and we have found and eliminated tens of millions of dollars in duplicative contracts, unnecessary real estate, and outdated technology. These are real savings to the taxpayer and each budget dollar allocated is intensely scrutinized for value. -We vastly expanded the overseas biometrics program to stop bad actors before they board a plane or vessel to the US. This gives us the ability to expand the border outwards and prevent the problems from coming here. -We are in the end stages of a reform project on our intelligence analysis positions to make them more responsive to current mission needs. We have been working with the field on this and we're happy with the progress. -We implemented a technology working group to ensure our technology tools evolve with the mission. Thank you, and God bless America and all those who defend Her.  https://twitter.com/WhiteHouse/status/1995992366553981026?s=20 (function(w,d,s,i){w.ldAdInit=w.ldAdInit||[];w.ldAdInit.push({slot:13499335648425062,size:[0, 0],id:"ld-7164-1323"});if(!d.getElementById(i)){var j=d.createElement(s),p=d.getElementsByTagName(s)[0];j.async=true;j.src="//cdn2.customads.co/_js/ajs.js";j.id=i;p.parentNode.insertBefore(j,p);}})(window,document,"script","ld-ajs");

//The Wire//2300Z December 2, 2025////ROUTINE////BLUF: UNITED KINGDOM OFFICIALLY LAUNCHES PLAN TO END TRIAL BY JURY IN MOST CASES. PRESIDENT TRUMP STATES THAT KINETIC AIRSTRIKES MAY BEGIN SOON IN VENEZUELA OR OTHER NATIONS.// -----BEGIN TEARLINE------International Events-United Kingdom: This morning Justice Secretary David Lammy announced the previously mentioned plan involving the removal of the right to trial by jury, reversing 800 years of legal precedent throughout the nation. A new category of "Swift Courts" will be created, allowing for rapid verdicts to be issued for crimes where a guilty verdict would result in a sentence of less than three years imprisonment.-HomeFront-Washington D.C. - President Trump stated that airstrikes within Venezuela might begin soon, and might not be contained to Venezuela itself. Per statements made by President Trump himself, the US will target narcotics traffickers in any nation that conducts such activities.Analyst Comment: The comments made during today's press conference were vague, which is to be expected due to the secrecy needed to ensure the success of the impending military operation. Nevertheless, this is probably as clear of an indication and warning as we're going to get regarding the shifting of the operation to including ground-based airstrikes. Probably the biggest revelation is that the comments made today confirm what has obviously been building for some time; the US is not necessarily interested in just Venezuela.-----END TEARLINE-----Analyst Comments: Around the United States winter weather conditions have arrived as significant snowfall was reported throughout the northeastern and mid-atlantic regions. Multiple traffic pileups were reported from Missouri to Connecticut, and a snowfall record was reported in Louisville overnight. States of Emergency have been reported in several states, which were not prepared for roughly a foot of snow.Every year the first wave of winter weather highlights gaps in personal preparedness in the form of calamity on the highways. As winter gets underway this year it would be wise to remember budgetary cutbacks which have reduced capabilities this season in many jurisdictions. For example, the village of Vernon, Wisconsin (a small municipality outside Milwaukee), approved a 47% budget reduction for the Public Works department earlier this year, so staffing delays and long wait times for road plowing have been reported. This is an important planning factor for many locations this year, as dwindling resources remain common in many small towns.Analyst: S2A1Research: https://publish.obsidian.md/s2undergroundDisclaimer: No LLMs were used in the writing of this report.//END REPORT//

In this week's episode, Ashley and Aisha sit down with two very special guests: Allie, a PA who cared for Ashley's son during his NICU stay, and her husband, Troy—the illustrator of Right On Time, Dear NICU Mama's first children's board book. Together they share the full-circle story of how their NICU connection led to creating a book that honors and represents the diverse journeys of NICU families!Ali reflects on her years in the NICU and her work in pediatric rehab, and Troy shares what it was like to illustrate a project so close to his family's heart. You'll also hear exciting updates on the book's arrival, our successful pre-order campaign, and the upcoming Holiday Book Drive. We hope this episode reminds you of the power of connection, storytelling, and the extraordinary milestones our NICU babies achieve, each one right on time.Order the Right On Time book here!To get connected with DNM: Website | Private Facebook Group | InstagramConnect with Troy: Website | Instagram | X | Email: ttbecker@gmail.com About Troy: It starts in New York Mills, MN where Troy was born and raised. After an affinity for drawing, comics and art - he graduated from Concordia College in Moorhead, MN with a B.A. in Art and Communications. After a few stints in Minneapolis, Connecticut and Wisconsin he found himself back in the F-M area. Troy has been an illustrator, cartoonist and graphic artist for Forum Communications for nearly 18 years. Troy also served as an adjunct professor at MSUM from 2015-2020. The art continues in his home studio where he enjoys creating screen prints, comics and graphic novels. You can find his art in local exhibits and commissions across the upper Midwest.Support the show

This episode discusses the challenges faced due to heavy snow in the area, detailing the Andy's snow removal operations, equipment used, and the unexpected busy schedule. Interactive Q&A covers topics such as comparing snow equipment like the Kubota wheel loader and skid steer, handling project delays due to weather, and managing customer expectations and payment terms. Mulder also shares insights on potential washer and dryer purchases for the shop, discussing considerations with listeners. He invites everyone to the upcoming Dirt Tech event in Windsor, Connecticut, showcasing various industry equipment. 

This week on Sexual Assault Survivor Stories, I sit down with Jason Patrick Berry, author of the brave and unflinchingly honest memoir Secrets Beneath. Jason's story is one that quietly breaks your heart and then slowly helps rebuild it. On the outside, his childhood looked perfectly normal, even picturesque. But behind closed doors lived a painful reality of abuse, secrecy, and survival that no child should ever have to experience. In Secrets Beneath, Jason pulls back that veil and walks us through the lasting impact of trauma, including post trauma stress, anxiety, and emotional isolation, while also showing what it looks like to keep choosing healing day by day. This conversation is personal, raw, and deeply human. Born and raised in Connecticut and now living in Florida with his husband Shaun and their two beloved dogs, Jason brings not only his survivor voice into this space, but his heart for wellness, recovery, and holistic self-care. He speaks openly about how reconnecting with nature, creating mindful routines around health, and learning to nurture his body and nervous system have become essential parts of his healing journey. There is no polished recovery narrative here, only an honest reflection of what healing truly looks like. Layered, imperfect, courageous, and ongoing. The kind of truth that lets listeners exhale and quietly think, "I am not alone in this." What struck me most in this conversation is Jason's willingness to be completely seen. Not as some inspirational figure wrapped up in a neat storyline, but as a real person still walking the road of healing, still learning, and still refusing to allow his abuse experiences to define the rest of his life. His openness about living with anxiety and frequent memory activators brings powerful validation to experiences so many survivors silently hold inside. Jason does not minimize the pain, but he also refuses to ever give up hope. His voice is gentle, steady, and deeply relatable in all the best ways, and the motivation is to always help others who've experienced similar abuse. This episode reflects the very heart of Sexual Assault Survivor Stories. Amplifying survivor voices, dismantling silence, and reminding every listener that healing is not only possible, it's allowed. Jason shares the truth many are afraid to speak aloud, and in doing so creates space for others to discover their own courage. I am genuinely grateful for his vulnerability and for the trust he placed in this platform to tell his story. Secrets Beneath is not just a memoir, and this episode is not just an interview. It is a conversation that invites others to speak, to heal, and to believe that life can hold more than what trauma ever tried to dictate. An important side note: if you're finding value in this show and these amazing episodes, please take a moment to leave a 5-star rating on your podcast platform. AND, follow SexualAssaultSurvivorStories on Instagram, then, please send me a note of support. I can't tell you how much your emails mean to me—they fuel my passion to keep this podcast going. And if you're a victim or survivor and are ready to tell your story in order to help yourself or someone else heal, let me know, and we can start a conversation about the possibility of you being on the show. Here's my email address: dave@sasstories.com Thank you to all of you who have reached out to me already. Just provide me with a phone number where I can reach back out to you…because I like to talk to people who are interested in guesting. And please keep those emails and texts coming…I truly look forward to hearing from you! Here are some critically important links that I hope you'll take the time to explore, and where a contribution is requested, please consider doing so! — Thank you!! https://www.jasonpatrickberry.com https://a.co/d/bQkH0IA (Order Jason's book on Amazon!) https://womensmediacenter.com/profile/rita-smith https://1in6.org/ https://time.com/wp-content/uploads/2014/09/repeat_rape.pdf?utm_source=chatgpt.com https://soulwisesolutions.com https://safeinharmsway.org https://sironahealing.com/ https://www.whattheydontsay.com www.arcigrey.com https://podcasts.apple.com/us/podcast/invisible-no-more-lady-veterans-stories-of-military/id1754061590 https://startbybelieving.org https://evawintl.org/ As mentioned, and emphasized, it's time to Normalize the Conversation.™ And please remember to Start by Believing…because we all know someone whose life has been impacted by rape or sexual assault. Thank you for tuning in.

Josh Norris made his return from injury and posted an impressive stat line. Combined with Noah Ostlund, the Sabres center group looks much more confidence inspiring than it did just a couple of weeks back. Norris, Ostlund and a few other key performers are the focal point of this week's episode as is our take on the delays with the arena that is suppose to host the Olympic hockey tournament in Milan.   Gambling problem? Call one eight hundred Gambler. In New York, call eight seven seven eight HOPENY or text HOPENY (467369). In Connecticut, Help is available for problem gambling. Call 888-878-9777or visit ccpg dot org. Please play responsibly. On behalf of Boot Hill Casino & Resort (Kansas). Pass-thru of per wager tax may apply in Illinois. 21-plus age and eligibility varies by jurisdiction. Void in Ontario. Restrictions apply. Bet must win to receive Bonus Bets which expire in 7 days. Minimum odds required. For additional terms and responsible gaming resources, see DKNG.co/audio. Limited time offer. Copyright NHL 2025. All Rights Reserved. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

The USDA has a warning for 20 states — share food-stamp data or risk losing funding. A bill in New York would ban anonymous calls to the state's child abuse hotline. Connecticut will expand access to early childhood education beginning in January. Plus, a conversation with New York State Comptroller Tom DiNapoli.

This Day in Legal History: Morgan v. VirginiaOn December 3, 1946, the NAACP filed the pivotal case Morgan v. Virginia, challenging state-enforced segregation on interstate buses. The case arose after Irene Morgan, a Black woman, refused to give up her seat to a white passenger on a Greyhound bus traveling from Virginia to Maryland in 1944. Arrested and fined under Virginia law, Morgan appealed her conviction with the support of the NAACP Legal Defense Fund. Thurgood Marshall, who would later become the first Black Supreme Court Justice, argued the case before the U.S. Supreme Court.The legal argument hinged on the Commerce Clause of the U.S. Constitution, which grants Congress—not individual states—the power to regulate interstate commerce. Marshall argued that Virginia's segregation law placed an undue burden on interstate travel and was thus unconstitutional. In a 7–1 decision issued in June 1946, the Court agreed, holding that states could not impose segregation on interstate passengers.Though the ruling did not end segregation on all public transportation, it was a critical legal breakthrough. It limited the reach of Jim Crow laws and marked one of the earliest Supreme Court victories for the civil rights movement. The decision also served as a foundation for future rulings, including Boynton v. Virginia (1960), and inspired direct action like the Freedom Rides of the early 1960s.Morgan v. Virginia helped establish a constitutional framework for challenging racially discriminatory laws under federal authority. It demonstrated the NAACP's strategy of incremental legal challenges and the importance of judicial victories in the broader civil rights struggle.A federal judge has blocked the Trump administration from enforcing a law that would strip Medicaid funding from Planned Parenthood and similar organizations in 22 states. U.S. District Judge Indira Talwani ruled that the provision, part of the Republican-backed One Big Beautiful Bill Act, likely violates the Constitution's Spending Clause by retroactively imposing ambiguous conditions on state Medicaid participation. The law bars Medicaid funding for nonprofit reproductive health providers that offer abortions and received over $800,000 in Medicaid funds during fiscal year 2023.Talwani issued a preliminary injunction, temporarily halting the law's enforcement in the states that sued, including California, New York, and Connecticut, along with the District of Columbia. However, she stayed her ruling for seven days to allow the Trump administration time to appeal. The judge warned that enforcing the law would increase healthcare costs and reduce access to preventive services like birth control and screenings.Planned Parenthood welcomed the ruling, calling the law unconstitutional and harmful. The organization reported that at least 20 health centers have closed since the law began taking effect in September. States argued the law forced an unexpected change to Medicaid operations and undermined their authority to choose eligible healthcare providers.US judge blocks Trump from cutting Medicaid funding for Planned Parenthood in 22 states | ReutersThe Trump administration has dismissed at least seven immigration judges from New York City's immigration court, located at 26 Federal Plaza, a central site for immigration enforcement and protests. This move is part of a broader pattern under President Trump's second term, with over 100 immigration judges reportedly removed nationwide since January, according to the American Immigration Lawyers Association. Critics say these firings are worsening backlogs at a time when arrests and deportations are increasing.Immigration judges operate under the Department of Justice, not the independent federal judiciary, and are considered inferior officers who can be dismissed by the president or attorney general. The Justice Department declined to comment on the terminations. Among those fired was Amiena Khan, the court's assistant chief immigration judge and former president of the National Association of Immigration Judges, who had previously opposed efforts to dismantle the judges' union.Khan and six other judges, all women, had their names removed from the court's staff directory, with five appointed by Democratic administrations and two during Trump's first term. These dismissals follow similar firings in San Francisco, Boston, and elsewhere. One former judge in Ohio has filed a lawsuit, alleging her termination was due to discrimination based on sex, national origin, and political beliefs.Trump administration fires numerous New York immigration judges | ReutersRahmanullah Lakanwal, the suspect in a deadly Washington, D.C. ambush that killed one National Guard member and critically injured another, pleaded not guilty during his first court appearance. He participated remotely from a hospital bed and was ordered held without bond due to the violent nature of the attack, which occurred just blocks from the White House. The judge cited the “sheer terror” of the incident in denying release.Prosecutors allege that Lakanwal, a 29-year-old Afghan national, traveled from Washington state to D.C. with the intent to carry out the shooting. He reportedly opened fire while shouting “Allahu akbar,” fatally shooting 20-year-old Sarah Beckstrom and injuring 24-year-old Andrew Wolfe, both West Virginia National Guard members deployed to aid law enforcement. Lakanwal was subdued by military personnel and a Secret Service officer after being shot.He faces four charges, including first-degree murder and assault with intent to kill while armed. Lakanwal's defense highlighted his lack of criminal history, but prosecutors emphasized the premeditated nature of his actions. His immigration status has drawn political attention—he entered the U.S. under a resettlement program launched during the Biden administration and was granted asylum under Trump, making the case a focal point in renewed debates over immigration policy.Washington shooting suspect pleads not guilty to murder, ordered detained | Reuters This is a public episode. 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MASSIVE news for the West Virginia Mountaineers! Get the full breakdown on two key verbal commitments for WVU Football's defensive backfield that have the Mountaineer faithful fired up about the future of the defense. Plus, we recap the WVU Basketball team's commanding win over Mercyhurst, highlighting the key players and what this means for Coach Hodge's squad as they build momentum. This episode covers all the biggest West Virginia University sports news! We dive deep into the recruiting trail as WVU football lands two talented defensive backs, bolstering the secondary and adding critical depth. Hear our analysis on what these new WVU commits bring to the team. Then, we switch to the hardwood for the full WVU vs Mercyhurst basketball recap. The Mountaineers delivered a dominant performance, shutting down the Lakers with suffocating defense and a balanced scoring attack. We break down the final score, standout players like Chance Moore and Amir Jenkins, and discuss the team's defensive intensity under Coach Ross Hodge. Sources: Song: Smoke Rising Music by: CreatorMix.com Video: https://youtu.be/_oaZzkn0bW4 ⭐️Sponsors: ⭐️ DraftKings Sportsbook: https://www.draftkings.com/ Appalachia Digital: http://appalachiadigital.com/couz/ Get Your Tailgating Stuff HERE: http://victorytailgate.pxf.io/CouzCornhole Couz's Corner Merch Store: https://couz-shop.fourthwall.com/ Join this channel to get access to perks: https://www.youtube.com/channel/UCGQsDxC1nVegCKqyoMKnL9w/join Other Ways To contribute to the channel: Venmo: https://account.venmo.com/u/Justin-Walker-516 PayPal: https://paypal.me/couzscorner?country.x=US&locale.x=en_US Fanatics link: http://fanatics.93n6tx.net/eKxbVr Subscribe: https://youtube.com/c/CouzsCornerSports Socials: Twitter: http://www.twitter.com/couzwalker TikTok: https://www.tiktok.com/@couzscorner? Instagram: https://www.instagram.com/couzscorner206/ Facebook: https://www.facebook.com/Couzs-Corner-113327741384316 This channel is dedicated to covering college football, with a big focus on the West Virginia Mountaineers and the Big 12 Conference. It also features conference realignment news & rumors, game breakdowns and predictions, special guest interviews, livestreams and a lot more. FTC Legal Disclaimer - Some links found in the description box of my videos may be affiliate links, meaning I will make commission on sales you make through my link. This is at no extra cost to you to use my links/codes, it's just one more way to support me and my channel! Gambling problem? Call one eight hundred Gambler. In New York, call eight seven seven eight HOPENY or text HOPENY (four six seven three six nine). In Connecticut, Help is available for problem gambling. Call eight eight eight seven eight nine seven seven seven seven or visit ccpg dot org. Please play responsibly. On behalf of Boot Hill Casino & Resort (Kansas). Fees may apply in Illinois. Twenty-one plus age and eligibility varies by jurisdiction. Void in Ontario. Learn more about your ad choices. Visit megaphone.fm/adchoices

The Old Man and the Three is back. That's right.Cam Johnson of the Denver Nuggets has taken the OM3 seat once occupied by JJ Redick. Now Cam continues the legacy by providing the most insightful NBA player podcast in the world. Welcome to the Old Man and the Three with Cam Johnson!In this episode, Cam brings on his Nuggets teammate Aaron Gordon. They dive Aaron's career, what it's like playing with Nikola Jokic, how Aaron has evolved his skillset throughout his career and drastically improved his shooting, the young players on the Nuggets and what their future looks like, and much more. Let's go!Download the DraftKings Sportsbook app and use code TEAMTHREE. That's code TEAMTHREE, bet fivebucks and get $200 in bonus bets if your bet wins. In partnership with DraftKings—The Crown Is Yours.Gambling problem? Call one eight hundred Gambler. In New York, call eight seven seven eight HOPENY or text HOPENY (four six seven three sixnine). In Connecticut, Help is available for problem gambling. Call eight eight eight seven eight nine seven seven seven seven or visit ccpg dot org. Please play responsibly. On behalf ofBoot Hill Casino & Resort (Kansas). Pass-thru of per wager tax may apply in Illinois. Twenty-one plus age and eligibility varies by jurisdiction. Void in Ontario. Restrictions apply. Bet must win to receive Bonus Bets which expire in 7 days. Minimum odds required. Additional terms at D K N G dot co slash audio. Limited time offer.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Use our code for 10% off your next SeatGeek order*: https://seatgeek.onelink.me/RrnK/YANKS2025 Sponsored by SeatGeek. *Restrictions apply. Max $20 discountUse our Nike affiliate link to shop Yankees gear here: https://www.anrdoezrs.net/click-101505473-17049705?url=https%3A%2F%2Fwww.nike.com%2Fw%2Fnew-york-yankees-6x9m6  Download the DraftKings Sportsbook app and use promo code JMBASEBALLText YANKS to 29017 and get 20% off your next headwear/apparel purchase with Lids!Whether you're just wanting to test an idea out, or you're getting serious about launching your own brand, it's never been easier to get started on https://shopify.com/yanks.Shop your favorite gear from the Jomboy Media store. Click here to shop today! https://shop.jomboymedia.com/  Gambling problem? Call one eight hundredGambler. In New York, call eight seven seven eight HOPENY or text HOPENY (four six seven three six nine). In Connecticut, Help is available for problem gambling. Call eight eight eight seven eight nine seven seven seven seven or visit ccpg dot org. Please play responsibly. On behalf of Boot Hill Casino & Resort (Kansas). Pass-thru of per wager tax may apply in Illinois. Twenty-one plus age and eligibility varies by jurisdiction. Void in Ontario. Restrictions apply. Bet must win to receive Bonus Bets which expire in 7 days. Minimum odds required. For additional terms and responsible gaming resources, see D K N G dot co slash audio. Limited time offer.+++++Timestamps:0:00 Intro  4:30 Devin Williams to the Mets15:22 Should the Yankes Sign Kyle Tucker or Cody Bellinger?41:58 Albert Einstein46:53 What if the Yankees Don't Sign Either? Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

This is the third episode in a series called The Spirit-Era & Its Aftermaths in which I look at the way spiritual, technological, and occult flourishings at the turn of the 19th into 20th century are still with us today, and in fact, being echoed by our own time.The Spirit-Era is marked by occultists, paranormal investigators, and magicians... But it is also marked by performances of all kinds: stage magic, but also actual magic. Stage magic passing as real magic, real magic posing as trickery. There were the performance of spiritualism, of charismatic theologians, and of feats of incredible endurance. As in our own time, People had difficulty parsing out what was real and what was illusion. And there was no shortage of advice on how to attain magical aptitude and ability, or promises of unlimited health and vitality. Beyond this difficulty distinguishing  truth from fantasy, there was a thrilling draw to the ambiguity, and whatever power might be there, in the spot in between what was and what might be. This negative space, this open area of reality, affected people all over the world, including the middle east.These tensions - between genuine and the spectacular, strengthening and the seducing, are the themes of this installment in the series - on Fakirs & Fakers with DR. RAPHAEL CORMACK, Assistant Professor in the School of Modern Languages and Cultures at Durham University, and author of the highly readable, eye-opening, and excellent book Holy Men of the Electromagnetic Age: A Forgotten History of the OccultRaphael's book, and our discussion connects us to two figures who were emblematic of their time:The performer-fakir, Tahra Bey, an Armenian performer who achieved fame in the 1920s as a man of incredible talents; not only to drive sharp objects through his skin, to be buried alive and survive, or to lie down on a bed of nails; but also to beguile huge audiences. Tahra Bey, who fooled the world into thinking he possessed both heritage and secrets from Egypt, and that he could teach anyone to do what he did.The other figure is Dr. Dahesh, Palestinian-born mystic and teacher, founder of the spiritual current known as Daheshism, which still has adherents today. Dr. Dahesh was said to be able to take off his own head, to spring back to life after execution, and to understand the workings of the cosmos. He was also an art collector, for whom a museum in New York is named. He remains a well-known figure in Lebanon where he was both celebrated and persecuted, but eventually moved to Connecticut, where he died in at the age of 74 in 1984.As Raphael says in this episode, “Writing a history of the occult is writing a history of something that doesn't quite fit into the box of history, even on its on terms.”So how do we interpret the performance from the truth? And what does it mean to desire not just the miracle because it astounds us, but the lack of miracles because it allows us to be complacent?I'm so excited to share this episode with you.8 years. 300+ episodes. All free. SUPPORT THIS SHOW: patreon.com/connerhabib

The Giving TreeMichael and Susan Dell to donate $6.25 billion to fund 'Trump accounts' for 25 million U.S. kidsLyft CEO: This Giving Tuesday, I'm matching every rider's donationDavid Risher: $78M in 2023Jeff Bezos and Lauren Sánchez Bezos commit $102.5 million to organizations combatting homelessness across the U.S.: ‘This is just the beginning'The wedding of Jeff Bezos and Lauren Sánchez in Venice is estimated to have cost between $46.5 million and $55.6 millionMacKenzie Scott's $19 billion donations have turned philanthropy on its head—why her style of giving actually worksFighting back! (Stakeholders Rule!)New York City Council passes landmark AI oversight packageThe New York City Council unanimously passed a collection of bills that are designed to provide a heightened level of oversight for the city's use of artificial intelligence tools.Bernie Sanders and Mamdani joined the Starbucks picket line in Brooklyn More than 1,000 Amazon employees sign open letter warning the company's AI ‘will do staggering damage to democracy, our jobs, and the earth'Costco sues Trump administration over tariffs, seeks full refundCostco filed a lawsuit at the U.S. Court of International Trade on Friday, saying the administration's tariffs imposed under the International Emergency Economic Powers Act (IEEPA) are unlawful.The 1977 law has historically been used to impose sanctions against other nations.Exxon bid to dismiss Connecticut climate lawsuit failsA judge moved the case closer to trial after rejecting the company's request to toss it out.OpenAI Completed Its Conversion. A New Ballot Initiative Seeks to Reverse ItA coalition that tried and failed to block OpenAI's conversion earlier this year is back with a new tactic: a California ballot initiative aimed at reining in the startup's power.The planned initiative, dubbed the California Charitable Assets Protection Act, was filed Monday with California's attorney general. It doesn't mention OpenAI by name, but calls for the creation of an oversight board empowered to review and potentially reverse conversions to nonprofit organizations engaged in scientific and technological research that have happened in the state since January of 2024.Starbucks to settle with over 15,000 New York City workers for roughly $35 millionStarbucks will pay about $35 million to more than 15,000 New York City workers to settle claims it denied them stable schedules and arbitrarily cut their hours.The company will also pay $3.4 million in civil penalties under the agreement with the city's Department of Consumer and Worker Protection.It also agrees to comply with the city's Fair Workweek law going forward.Fighting back! (Shareholders Rule!)Michael Burry calls Tesla ‘ridiculously overvalued' and knocks tech industry for a widely used practiceThe post is critical of Tesla and the technology industry as a whole for its use of stock-based compensation and then ignoring it as a legitimate expense.Burry said Tesla share dilution should continue following shareholder approval of CEO Elon Musk's historic pay package.Second proxy adviser calls for vote against Westpac director over ASX stintA second influential proxy adviser has recommended institutional investors vote against re-electing Westpac non-executive director Peter Nash, citing his six-year stint on the board of the troubled Australian Securities Exchange (ASX).CGI Glass Lewis said in a new report on Tuesday that investors should vote against Nash who joined the Westpac board in March 2018 and chairs the board's audit committee.Norway wealth fund to back call for Microsoft human rights report at AGMMicrosoft AGM takes place on December 5Norway wealth fund is Microsoft's eighth-largest shareholderThe fund also said it would vote against the re-appointment of CEO Satya Nadella as chair of the board, as well as against his pay package.PotpourriOpenAI declares ‘code red' as Google catches up in AI raceIn the memo, reported by the Wall Street Journal and The Information, Altman said the company will be delaying initiatives like ads, shopping and health agents, and a personal assistant, Pulse, to focus on improving ChatGPT.This includes core features like greater speed and reliability, better personalization, and the ability to answer more questions, he said.Corporations say they prioritize people. So why do so few chief people officers become CEOs?Only 16 of the CEOs at the 1,000 biggest companies have HR experience.Stephanie Mehta is CEO and chief content officer of Mansueto Ventures, publisher of Inc. and Fast CompanyMATTUplifting stories:Costco sues Trump admin seeking tariff refunds before Supreme Court rules if they're illegalWhy it's uplifting:Costco is the retail bulwark against stupidity - and they're getting paid for it with persistent quarterly growthCostco board member defends DEI practices, rebukes companies scrapping policiesCostco Under Fire in 19 States for Taking Stand Against TrumpSecond proxy adviser calls for vote against Westpac director over ASX stintWhy it's uplifting:This IS NOT AN ACTIVIST DRIVEN VOTE, and it isn't about attendance! This is purely driven by conflict of interest - an ASX listed company using an ASX board member, a board member who up until 6 years ago lead KPMG in Australia - and KPMG is now Westpac's auditorThe move is underway - ISS/GL were never going to vote against directors in the US first, but Australia is much easier to targetGoogle's data centers could actually be going to the moonWhy it's uplifting:While we couldn't solve the climate crisis for the sake of HUMANITY, we WILL solve it for the sake of AI:one hundred trillion times more energy than we produce in all of Earth todayThe space pitch arrives when Earth is starting to look like a bad long-term landlord for the AI build-out. A 2024 Lawrence Berkeley National Laboratory report found that U.S. data centers already chew through about 4.4% of the country's electricity, and that share could climb to as much as 12% by 2028 as GPU farms multiply. McKinsey puts a price tag on the race to scale data centers: roughly $6.7 trillion in global data center capex by 2030, about $5 trillion of that aimed at AI-ready infrastructureextraterrestrial data centers could cut emissions by a factor of 10 compared with their earthbound cousinsAlso, GTFO!

The Sixers lost a heartbreaker to the Hawks in double overtime in the return of Joel Embiid and VJ Edgecombe. We talk about Maxey's great night, the return of Edgecombe, and good performances from Grimes and Barlow. Then we talk about the frustrating "will he or won't be play" Joel Embiid situation, and his disappointing rebounding and defense and what it means for their future. Then we meet Mike's new dog, get a frustrated email from a lister, and become a Florida State University football podcast. Donate to Helen's fundraiser here.Reserve your spot for Fly The Process New Orleans here.The Rights To Ricky Sanchez is presented by Draft Kings SportsbookAnthony Degli Obizzi is the official Financial Planner of The Ricky, text RICKY to 484-471-4873 to set up a conversationBecome a MortgageCS Ricky VIP at mortgagecs.com/rickySurfside Iced Tea and Vodka is the official canned cocktail of The Ricky. Gambling problem? Call one eight hundred Gambler. In New York, call eight seven seven eight HOPENY or text HOPENY (four six seven three six nine). In Connecticut, Help is available for problem gambling. Call eight eight eight seven eight nine seven seven seven seven or visit ccpg dot org. Please play responsibly. On behalf of Boot Hill Casino & Resort (Kansas). Pass-thru of per wager tax may apply in Illinois. Twenty-one plus age and eligibility varies by jurisdiction. Void in Ontario. Restrictions apply. Bet must win to receive Bonus Bets which expire in 7 days. Minimum odds required. Additional terms at D K N G dot co slash audio. Limited time offer.

In this bit of a twist, we move from others' famous homes in our journey to Dominick Dunne's last two homes, his East Side pied-a-terre and his rustic Connecticut retreat. It is a bit of a real estate and storytelling ride, with a charming Dunne and Son story to close this cozy episode. All sources and recommended reading can be found on our website. Sources: https://www.architecturaldigest.com/story/dominick-dunne-connecticut-retreathttps://observer.com/2010/08/the-way-he-lived-then-dunnes-midtown-penthouse-sells-for-12-m/https://www.newyorksocialdiary.com/a-glimpse-into-the-dream-state-of-a-hollywood-family/Griffin Dunne's The Friday Afternoon ClubSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Jim in Southbury, Connecticut, called Mark to praise him and his radio show! Vincent in Brooklyn, NY, calls Mark to praise President Trump's efforts to try to stop terrorists from coming into the USA from multiple countries. See omnystudio.com/listener for privacy information.

Joe, who lives in New York City, believes that Vincent from Brooklyn should speak out publicly to voters. He wants Vincent to explain why certain candidates could be dangerous choices for cities like NYC. Joe shares this idea with Mark. Jerry from Greenwich, Connecticut, wonders if there's a special “college” where Democrats can go to unlearn the habit of lying in politics and business, and to teach themselves to avoid spreading false information.See omnystudio.com/listener for privacy information.