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Send a textOn this month's episode, our former host visits to tell us about the best romance books coming out this season and joins us in a deep dive into the trends and tropes of the genre. We also discuss the phenomenon that has taken hold of the romance world (or maybe the world in general!) -- sports romances.We want to hear from our listeners! Email us at checked.in@davenportlibrary.comTo find out what books were mentioned in this episode, visit our Checked In LibGuide!Upcoming programs:Adults: Trader Broes - Thursday, February 12th @ 6pm | FairmountTeens/Tweens: Teen Advisory Board - Tuesday, February 10th @ 6:30pm | Fairmount Kids: Preschool Fair - Saturday, February 28th @ 10am | EasternHelpful links from our discussion:1000 Books Before Kindergarten"Crash and Burn: Has Romantasy Peaked?" (Book Riot article)Threadless (The Library's Merch) Library Links:Calendar of Events - Learn more about the events discussed in this episode and about what is coming up at the Library!Library Catalog - Place holds on all of the books discussed today!Info Cafe: The Library's Reference BlogBeanstack - Sign up to participate in our reading challenges!2026 Online Reading Challenge: Know Your History

Register here to attend the live virtual event "Why Central Florida is the Year's Most Compelling Housing Market" on Thursday, February 19th at 8pm Eastern. Keith looks at how a changing Federal Reserve leadership might shape the interest rate environment, then zooms in on what's really happening with homebuilders versus remodelers across the country.  You'll hear about a lesser-known strategy some investors are using to step back from day-to-day landlording while keeping their income, and then we head to Central Florida to explore why one fast-growing market is quietly becoming a hotspot for new-build rental properties.  Along the way, a longtime Florida builder joins the show to explain how they're creating affordable, investment-friendly homes and what kinds of rents and tenant demand they're seeing on the ground—plus a way you can learn more live if this opportunity fits your own portfolio plans. Resources: Register for the event at GREwebinars.com Episode Page: GetRichEducation.com/592 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  For predictable 10-12% quarterly returns, visit FreedomFamilyInvestments.com/GRE or text  1-937-795-8989 to speak with a freedom coach Will you please leave a review for the show? I'd be grateful. Search "how to leave an Apple Podcasts review"  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— GREletter.com  Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Keith Weinhold  0:01   welcome to GRE. I'm your host. Keith Weinhold, the naming of a new Federal Reserve Chair. Then are homebuilders in trouble today? There are a dwindling number of them, and their profits are down. I'll talk to a homebuilder. Listen to what amenities tenants want today, and it's interesting. We'll learn how low of a mortgage rate builders will give you. Now there's an opportunity here today on get rich education.   Corey Coates  0:30   Since 2014 the powerful get rich education podcast has created more passive income for people than nearly any other show in the world. This show teaches you how to earn strong returns from passive real estate investing in the best markets without losing your time being a flipper or landlord. Show Host Keith Weinhold writes for both Forbes and Rich Dad advisors, and delivers a new show every week since 2014 there's been millions of listener downloads of 188 world nations. He has a list show guests include top selling personal finance author Robert Kiyosaki. Get rich education can be heard on every podcast platform, plus it has its own dedicated Apple and Android listener phone apps build wealth on the go with the get rich education podcast. Sign up now for the get rich education podcast or visit get rich education.com   Keith Weinhold  1:14   mid south home buyers with over two decades as the nation's highest rated turnkey provider, their empathetic property managers use your return on investment as their North Star. It's no wonder smart investors line up to get their completely renovated income properties like it's the newest iPhone headquartered in Memphis, with their globally attractive cash flows, mid south has an A plus rating with the Better Business Bureau and 4000 houses renovated, there is zero markup on maintenance. Let that sink in, and they average a 98.9% occupancy rate with an industry leading three and a half year average renter term. Every home they offer you will have brand new components, a bumper to bumper, one year warranty, new 30 year roofs. And wait for it, a high quality renter in an astounding price range, 100 to 150k GET TO KNOW mid south enjoy cash flow from day one at mid southhomebuyers.com that's mid southhomebuyers.com   Speaker 1  2:17   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  2:33   Welcome to GRE from countersport Pennsylvania to Davenport Iowa and across 488 nations worldwide. I'm Keith Weinhold, and you're listening to get rich education now more than ever, where you learn about personal finance and real estate investing matters. There's more AI generated content out there. This show is all flesh and blood me. There's also more clickbait content out there that says something like the housing market is about to have a price crash. No, it's not. They're just there to get short term attention. So your information source really matters today. New incoming Fed chair, Kevin Warsh, was recently named. He will replace the outgoing Jerome Powell on May 15. I want to tell you more about that in a moment. But first, just imagine if this scenario were to occur, say that we get a Fed chair that has to deal with really high inflation. And so what this Fed chair does is that he successfully brings inflation down, and he does that without triggering a recession that's called a soft landing. Well, you know what? That's exactly what Jerome Powell did the past three years. Yeah, that's what he's accomplished, and he doesn't get credit for it. He only gets a lot of criticism. Now this doesn't mean that I love Powell. I don't even know that the Fed should exist at all, but Powell got a lot of criticism for calling 2022, wave of inflation transitory, and being too late to respond to it. So he gets some credit here as his term of more than eight years winds down. Let's listen in to some of Jay Powell's recent comments about succession,    Speaker 2  4:23   you've obviously experienced a lot during your time as Fed chair, served under multiple presidents. I'm wondering what advice you have for whoever your successor might be.   Speaker 3  4:34   Honestly, I'd say a couple of things. One is, you know, stay out of elected politics. Don't get pulled into elected politics don't do it. And that's another thing. Another is that you know, our window into democratic accountability is Congress, and it's not a passive burden for us to go. To Congress and talk to people. It's an affirmative, regular obligation. If you want democratic legitimacy, you earn it by your interactions with the our elected overseers. And so it's something you need to work hard at, and I have worked hard at it so and the last thing is, you know, it's easy to it's easy to criticize government institutions so many ways. I will tell whoever it is you're about to meet the most qualified group of people you not only have ever worked with, you will ever work with and when you meet fed staff. And not everybody's perfect, but, but there isn't a better cadre of professionals more dedicated to the public well being than work at the Fed.    Keith Weinhold  5:43   Yeah. So to Powell's point, the next Fed chair, worsh, does champion fed independence, much like Powell has. That is a good thing that keeps America from turning into a banana republic that maintains a strong dollar. Warsh was actually a Fed Governor back during the 2008 global financial crisis, so he's got that experience when he comes in as Fed Chair in three months, he's widely expected to lower interest rates more than Powell did, much like the president wants. Kevin Warsh looks a lot like Michael Scott from the office. He has got to be less bumbling than him, though, overall, the effect on real estate and mortgage rates by shifting from PAL to worsh, I mean, that should be pretty mild. Maybe you'll see rates go a little lower than if pal had stayed and speaking of rates, wait till you see how low the mortgage rate is that our homebuilder guest is offering today. What's really happening with homebuilders now? How much trouble are they in? Homebuilders have largely been maligned. Overall. There are fewer homebuilders today in America than there were 20 years ago, and there are more remodelers than there were 20 years ago, fewer home builders, more remodelers, and that's for a few different reasons. Over the past couple decades, we just have substantially higher labor and material costs, stricter building and energy codes, higher interest rates, and that disproportionately hurts long duration construction projects. We've got zoning constraints and land constraints that make ground up development slow and uncertain and risky. So while the number of Home Builders in America is down, the number of remodelers are up, because America's housing stock is getting older. Its median age is over 40 years, and that creates constant demand for upgrades. Capital prefers faster, lower risk cycles. That's what remodels offer, and homeowners with locked in low mortgage rates choose to stay in place. And what does that make them do? That makes them renovate and remodel, not move. So this is why, compared to 20 years ago, you have fewer home builders and more remodelers. Today, that's per the NAHB and the Census Bureau and all these forces, they've resulted in a lower profit margin for homebuilders. Yes, homebuilder margin compression for a lot of the bigger builders, including DR Horton, just as you might guess in this cycle, their profits were greatest in 2022 and they have fallen since then. Higher mortgage rates came in, and builders had to lose profits by offering more incentives to entice buyers. You're going to learn more about that today and how it really spells quite an opportunity for you and I. When the final change in national home prices was tallied for the end of last year, they had risen in 16,500 zip codes. All right, that's 63% of America's zip codes, and prices were lower from a year earlier in the other 37% home price gains were concentrated in the Northeast and Midwest, and the story there continues to be too many buyers and not enough homes. In fact, over 85% of zip codes saw price growth in Illinois, Connecticut, Wisconsin and Indiana, slow, steady, stubborn, kind of like winter refusing to leave. Losses were predominant in the Sun Belt. Prices caught their breath there. There was price attrition in Florida, with 96% of zip codes, so nearly all of Florida, then California, 78% of zip codes had a price loss. Texas, 75% of them and Arizona, 73% the biggest pocket of opportunity appears to be in Florida. Florida property is on sale. And because real estate is local. A lot of times we talk here nationally, but to get to that local level, sometimes you have to dig in to a local market to really find out what's going on. We're going to do that today. Now, central Miami, Orlando and Tampa, they're not generally the spot for obtaining cash flow from long term rentals. I've identified an opportunity. We'll get into that with this Florida homebuilder shortly. It's kind of funny. You'll run into people that say they want opportunity, but what they really want is certainty. How it plays out, though, is that once the certainty arrives, the opportunity is gone, and that's how to think about Florida and maybe Texas and some of these other markets today that have had price attrition.    Keith Weinhold  10:48   Now, three weeks ago, here on the show, I discussed the 721 exchange for the first time. So I won't get into all those details again when it comes time for you to sell your investment property, the 721 can be the best way for you to cash out. Perhaps you've been investing in real estate for a while and you have turned get rich education into got rich education. How the 721 exchange works is they basically say you have a case where you're a rental property owner and you realize that you don't want the hassles of landlording anymore. Oftentimes, this can mean you're older and real estate investing already took you where you wanted it to take you in life's journey, but you still like the financial benefit that ownership gives you. What you can do is exchange your properties into a partnership and receive shares in that partnership. Now that's different than a 1031, exchange. That's where you trade up some of your property that you directly own for what's usually more and larger property that you directly own. Well, instead, here's the big deal with exchanging your properties into a 721, partnership. The rules stipulate that this is not a taxable event, and therefore you don't have to pay any capital gains tax or depreciation recapture. Now that you're an owner in the partnership, you still get some of the benefits of owning the property, like appreciation and cash flow and such, yet no management or landlording at all like you would have with a 1031 and with a 721 you get all these benefits across a greater number of properties and markets diversification because you're a fractional owner in the other properties that are in the partnership, not only your own, and when you eventually pass away, your shares are stepped up in basis and can be distributed equally to heirs and C It's surely easier for you to divide shares among, say, your three children, than it is to divide your 18 rental houses among three children Who are going to have different goals and varying degrees of financial savvy. So the 721, exchange is a great estate planning tool too. You will have this partnership that makes an offer to buy your property. You're exchanging them for partnership shares. There's a firm that does this called flock homes, and they have a certain Buy Box to be clear with the 721, exchange, you can basically trade your rentals for shares in a diversified, professionally managed Real Estate Fund. This means that you keep your hard earned equity defer capital gains and other taxes, and you still get access to steady income and long term appreciation without the hassle of landlord duties, and you can visit flockhomes.com/gre, and get a free valuation. Get an offer for your property, see if it fits their buy box and see how much they'll pay you. There's often no need to pay to fix up or stage the property for sale or pay agent commissions for a certain investor type. This really can be a rather life changing experience for you to liquidate some or all of your property have zero tax obligation and still enjoy income and appreciation. So again, what you can do is stop by flock homes.com/gre, that's F, l, O, C, K, homes.com/g, R, E, let's discuss the home building climate today.   Keith Weinhold  14:38   I'd like to bring in a premium Florida homebuilder guest to the show, Jim, because there has been more homebuilding in Florida such that some areas of the state have excess supply. And when you add that onto the fact that the hot pandemic migration to Florida has slowed such that home prices have made a rare dip in the state, that is why it. A timely topic. Jim, you're on GRE Welcome to the show. Keith, great to be here. Thanks for having me. Yeah, and we did the IRL thing in Colorado there a few weeks ago. That was great hanging out in person. You provide entry level new build homes, mostly in Central Florida. And these are properties that are conducive to real estate pays five ways. These are properties that investors chiefly buy as rentals. So just bigger picture, tell us about that overall experience over, say, the last five years, as the pandemic wound down,    Jim Sheils  15:35   yeah, as the pandemic wound down, obviously Florida had a lot of attention. Some of it, rightly so, some of it, I think a little more inflated and commercial attention getting thrown at it. And you know, the type of deals that you and I have always stayed away from were very popular in Florida. You know, we're talking really nice houses. Keith, beautiful, nice HOAs people got in in 2021 let's say, with those very low interest rates on a six or $700,000 home, but now they're realizing that it's not going up $100,000 a year as they thought. And when they try to sell it, well, people trying to buy in $700,000 home, they're not getting that low interest rate. And if these people try to hold it and rent it, well, it doesn't cash flow, so it breaks one of those rules. It's not putting money in people's pockets, taking it out. And so we're seeing there was a large distribution of those types of houses around Florida. And then there were some builders like us that really focused on what was the most needed, and that was workforce housing. Now workforce housing, though, Keith, as you know, a lot of the builders don't want to build it. Why? Let's be straight. It's because the margins are lower right. But as you know, with me and my partner Chris, it was always let's make less margin and do more volume. That was always our model, and that was the area of the market where we felt we could build it right, we could get it financed right, and we could manage it right to hit the five things. And so we're seeing today, post pandemic, there are still key markets where the population growth is still the highest, coming into Florida, the prices are still the lowest, and there is a shortage of this type of workforce housing.   Keith Weinhold  17:11   Yes, you've identified a geography within Florida that have some of these characteristics like you're talking about. Tell us more about that region.   Jim Sheils  17:20   Yeah, we call it the Ocala region, so Central Florida, just west of Orlando. Right now, for example, u haul does their U haul top markets rankings every year? So where are the most U haul trucks going to now, you don't want to be on their side where they're coming from, Keith, because that's obviously the opposite. But for the second year in a row, the greater Ocala area has been the number 1u haul destination place in the country. So there's still a ton of population growth going there. Central Florida, I'm not going to say it sat out the growth during the pandemic that a lot of areas of Florida did, but it was starting at such a low basis with such a small amount of attention that today, even when people say, oh gosh, like I just said, house is 600 700 800,000 we're building new construction single family homes for under 300,000 the 270s a lot of the time. And we're building duplexes sometimes for under 400,000 and a lot of our you know, investors coming from the west coast. Say, are these fully built? Are they? But again, Central Florida has had a great affordability. Remain intact. It has a large population going in. There is a ton of job resource just blowing up in the area. And as you know, these are the things we look for. So we bought a lot of lots there. I'm gonna give credit to my partner, Chris. He saw calla more than I did, and we bought a lot of lots there in 2020 so before all the rises. So we got into the land basis, right? So that means we can build them at a great price. Our land basis is low, and that obviously passes along to our clients. And again, Central Florida is a perfect match for our goal. Because, you know, our goal is workforce housing, that cash flows on day one. But also nothing wrong with fixer uppers. I own a lot. I used to do a lot, but the new construction seems to have a little bit more of a less involvement, which it seems like a lot of our clients want.   Keith Weinhold  19:15   That was really prescient, as it turned out, for your business partner, Chris there to gobble up a lot of that land in 2020 before prices went soaring. And this is one reason why you can do things like offer a duplex for less than 400k That's a new build, which has some people saying like, does that thing include a roof even? But it surely does. These are very good quality livable properties. And the reason I have you here, Jim is because you are rare. There are fewer builders today than there were in decades past, and also those that build to your point earlier. They only want to build higher end properties, not the more affordable ones that you offer. We'll get more details on your price points and what properties. Products you offer later. But yeah, we have more remodelers today and fewer builders. And though it's a few years old, I found it interesting that census statistics show us that between 2007 and 2022 there are 73% more remodelers and 21% fewer builders today.    Jim Sheils  20:22   Interesting. You know, Keith, I didn't know that, and that makes me scratch my head on like when you and I were in Colorado, we were talking about future needs, even with growth that occurred during the pandemic going all the way back to oh eight when a real shortage started to start, we are still at an estimated three to 5 million homes short in the US. It really perplexes me that the amount of builders like us will be going down and not actually entering the market.   Keith Weinhold  20:47   Now, among those that are building, though, much of that is concentrated in the South, as I think we know, there's a recent resi club compilation show that 59% of current single family home building is in the south, and 41% is everywhere else. And how do you define the South? That's basically Maryland down to Florida, all the way out to Texas and Oklahoma. So you are pretty rare in some ways. However, where you're building regionally, that's not a rarity there, but yeah, having more remodelers today and fewer home builders, that's probably the result of a lot of things. You know, for one thing, just land and construction costs becoming that much more expensive over the past five years.   Jim Sheils  21:05    Yeah, we've been lucky, too, as you know, Keith, you've been with us for a decade now. But yeah, and we transitioned a piece of our company where Sumitomo forestry, large Japanese group stepped in and acquired a piece of our property. That was a very exciting thing for all of us together, because we had done well, and, you know, started small and built up to a decent sized builder for Northeast Florida and then the rest of Florida. But now, with Sumitomo coming in again, they build 17,000 homes worldwide every year, between all of their builders. Now being a part of them, we get to use their national material accounts, so they get pricing just as good, if not better, than national home builders, and they let us do our thing, stick to our build to rent, working with investor clients. We're not retail buyer guys, really. We like working with our investors, but just getting those great discounts on materials, again, we're always looking to pass on savings to our clients. Of course, we got to make margins as well, but if we're getting in with deals like that, getting into the land right, and knowing the pinpointed areas to get into, we can get the best deal for everyone. And that's been a major part having such a big, successful partner like Sumitomo keep us healthy, viable and able to do things we could have not even dreamed of five years ago.   Keith Weinhold  22:47   Yes, that gives you more capital and more options. Another unusual aberration in the market that really centers on a lot of what you do is that this fact that and this was mentioned on the show last year for the first time in my life, existing homes cost more than new build homes. Existing homes at about 420k nationally, and new build homes about 392k part of the divergence there is probably builder price cuts. So tell us more about that.    Jim Sheils  23:14   I think the issue Heath is builders built for largest spreads, and people bought very emotionally. I think you're to give you a compliment a very unemotional real estate buyer. You're not looking at, oh, this is a very nice, you know, extra his and hers porcelain sink. And we're looking at fundamental numbers a good, solid property. And I think what's caused a lot of that is people did the opposite. Builders were looking for the largest margin they could get, which was on those types of properties. And then buyers were looking very emotionally, and they were told, Hey, this is going to go up 50 to $100,000 a year. So just sit there and hold on, sure you'll lose $1,500 a month, but don't worry about it. You'll make up for that every year. And obviously we're not seeing that's true. They could have really used your class about the five ways to get paid in real estate. And I think that that's what's doing it. And this is what builders do. I mean, everyone's in a business, and a lot of builders just focus on the largest margin. Now that's eating them up now, because those types of properties are not in demand. To build them on spec would be very dangerous, but you can see that that worked for a short term. We're very glad we went to the low margin workforce housing model, because I see that falling out of favor almost never even in Oh 809, Keith, when I was in the remodel game, a lot of the properties that were new construction coming out that time they were affordable, still did very well.   Keith Weinhold  24:42   We're talking with a premium Florida homebuilder today, because they offer affordable properties that make sense for investors. But what about the demand? Where is that going to come from? Where is that going to be? And that's what's happening with the renter segment. We'll talk more about that when we. Come back. You're listening to get rich Education. I'm your host. Keith Weinhold,   Keith Weinhold  25:03   flock homes helps you retire from real estate and landlording, whether it's one problem, property or your whole portfolio through a 721, exchange, deferring your capital gains tax and depreciation recapture, it's a strategy long used by the ultra wealthy. Now Mom and Pop landlords can 721, the residential real estate request your initial valuation, see if your properties qualify@flockhomes.com slash GRE, that's F, l, O, C, K, homes.com/gre.    Keith Weinhold  25:39   You know, most people think they're playing it safe with their liquid money, but they're actually losing savings accounts and bonds don't keep up when true inflation eats six or 7% of your wealth. Every single year, I invest my liquidity with FFI freedom family investments in their flagship program. Why fixed 10 to 12% returns have been predictable and paid quarterly. There's real world security backed by needs based real estate like affordable housing, Senior Living and health care. Ask about the freedom flagship program when you speak to a freedom coach there, and that's just one part of their family of products, they've got workshops, webinars and seminars designed to educate you before you invest. Start with as little as 25k and finally, get your money working as hard as you do. Get started at Freedom, family investments.com/gre, or send a text now it's 1-937-795-8989, yep, text their freedom coach directly. Again, 1-937-795-8989,   Keith Weinhold  26:51   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   Ken McElroy  27:26   this is Rich Dad advisor, Ken McElroy. Listen to get rich education with Keith whitehold, and don't twitch your Daydream.   Keith Weinhold  27:40   Welcome back to get rich Education. I'm your host. Keith Weinhold, we're talking with Jim a premium Florida homebuilder here at such an interesting time in the cycle, since supply is up in some parts of Florida, Jim and his team has strategically chosen a place that is still fueling a lot of net in migration in Central Florida, and that's where the rental demand needs to come from as well. Now nationally, we've seen the homeownership rate fall over about the past year, from near 66% to near 65% that does not sound like much, but a 1% shift means there are 1.3 million new renters in just the past year. So with that in mind, and the fact that this low affordability for home buying means that people need to rent or stay renters longer, provides some of the Sustainable demand. So tell us more about the rental demand in Central Florida.   Jim Sheils  28:39   Yeah, you know, when we first went out there about a decade ago, Keith, I think it was 82 or 83% of all properties out there were owner occupied, which means it was a very lopsided amount of existing rental property available. And this is before the curve of population growth really took off. But when Chris and I went out there and we were assessing that small percentage of rental property that was out there. Gosh, it was old and kind of beat up. There was not a lot like the new construction that was available. So when we brought in new construction, we saw just the competition. Was hard to compete with us. You know, when it was an older, not so nice taking care of we came in and we saw a jump from, you know, doing older houses ourselves, you know, a person would stay about 13 months. But for the new construction in Central Florida, we've seen a jump to about three years. So that's really positive. People get into a new construction property they don't want to leave, whether that's half of a duplex or a single family. The duplexes are interesting because we're able to build those on infill lots and existing single family home neighborhoods, so a person who doesn't want to live in an apartment can live there, have their own yard, and they couldn't afford the whole single family, but to have half of a single family basically what a duplex is. It makes a big difference, and the people are in great demand of rental in Central Florida there because of exactly why. I said, Keith, the job. Course, continues to grow in Central Florida, extremely strong. The business incentives to come into the area by the local municipality is very, very good. So here's something interesting, Keith, the average salary in Ocala is about 72,000 and the average home price is about 298,000 that is a very healthy affordability one. Yeah, very, very good. And so that job source continues to pay very well. And we've talked about just the logistics centers and the Equestrian Center. That's the largest in the world. Now the villages are just 25 miles south. So Ocala becomes a bedroom community, and that is the second largest retirement community and growing in the US. So there's a lot of job source that allows people to live there at a good affordability. And so that combination of affordability with this extending job source has been really, really good for the Ocala region.   Keith Weinhold  30:59   It's been said that the only place you get money is from other people, and we're talking about your renters in this case. So oftentimes these renters, they had their sense of privacy there, like, for example, do the duplexes even have fenced backyards for each individual side,   Jim Sheils  31:17   depending on where they are? We will. Other times it hasn't been a requirement. We've done lots of surveys to see is it worth the price point to put in full fencing in certain areas. It can be in a lot of areas. Keith, they're just so excited with the price point not having to move into an apartment building that it hasn't even been warranted or necessary.   Keith Weinhold  31:38   Yeah. So we're talking about livability characteristics here, because oftentimes new build rental property results in a higher tenant stay that longer duration, because they're the first person that have ever lived there, and it's also difficult for them to go out and improve their living situation unless they become a home buyer, and that's difficult to do today. Tell us more about the incentives and the property types and so on, because there really are some pretty exciting ones.    Jim Sheils  32:09   One of the best things about Central Florida, Keith, combined with new construction, is insurance costs. Now you and I have laughed about the blanketed statement where you said, oh my goodness, you cannot get insurance in Florida. You can't get property insurance in Florida, or it's doubled, tripled, gone up 7x that is a true statement on certain properties. If you're buying older properties from the 1950s that are within a half mile of the beach on low lying ground, but new construction properties far away from the beach, that is a totally different things. So again, being in Central Florida, where we are, a lot of people think, oh, to insure a single family home there, that's going to be several $100 a month, when actually, you know, and you've seen a lot of our performer quotes, our insurance companies are getting a single family home done for about $65 a month on average, full coverage. And that's the advantage of new construction. Insurance companies are all about risk. They analyze risk. When you're on a new construction property built on higher ground away from the beach, they like that, and they do that a duplex. You're looking at about $100 a month. So incentive wise, we've really searched to team up with great insurance companies that get the best rates full coverage. And again, we surprise people when they say, Oh man, I thought there would be a whole nother zero at that monthly cost. And these are actual quotes, as you know, with working with a lot of GRE people. So that's one great thing, another great thing, Keith, that happened when we joined forces with Sumitomo. And again, Sumitomo 320, years old, one of the biggest powerhouses out of Asia, Warren Buffett, is very heavily invested in another one of the conglomerates, not the housing one we do, but he's very involved in one of their other companies. And when they came aboard, you know, we have no bank debt for a builder, which is rare. And since we have such a healthy balance sheet, we're actually able to work deals with mortgage companies where we'll do what's called builder forward commitments, Keith, and that means we will pre buy mortgages for our clients, for the homes we're building, and we will pass that savings along. So right now, you know, if an investment property in a duplex might be an average of 7% for anyone who walks in off the street to a bank. Right now, our most popular rate program for our investors, for single family or duplexes, is 3.75 Gosh. So as you know, for your five ways, if we want to get cash flow, there's a big difference. Yeah, we're getting affordable housing. But if the rate is over 7% compared to 375 that could eat up the cash flow with us being able to have this power to buy large tranches of money and pass it along and lock our people in again, an average right now at 3.75 is our most popular program, and that's long term money, then we're able to get that cash flow right off the bat. And you and I know how important that is   Keith Weinhold  34:50    for this super attractive 3.75% long term mortgage rate on single family homes and duplexes. How? Much does the buyer have to come out of pocket at the closing table to buy that down themselves? And how much do you the builder participate in that buy down?   Jim Sheils  35:07   You know, it depends Keith at different times, because there is a little bit of a fluctuation. Sometimes it can be as low as zero points or just one origination point to bring it in. It does vary. And also, if people say, hey, I really don't want to bring in any points. Well, that's fine. You know, if you don't want to walk in zero to 2% points for that, you can also just raise your rate up to four and a quarter and probably walk in nothing. So there's different things that we can do, but the goal of it is to have us have the brunt of it. And what I can tell you is, if the average person walked into a bank, and a bank wouldn't do this anyway. It's only for, again, builders with a certain size, but if you went into a bank right now and said, I'd like to buy my rate down to 3.75 the average Keith that this would cost a person off the street going into a bank would be 12 to 15% banks wouldn't even do it for an individual. But that's about the estimates when you look at it. So again, volume has privileged. The fact we're able to buy it down. It does cost us a good amount of money, but we're all able to save since we're kind of working together to buy these larger tranches. And again, the need of any investment for buying down the rate from the clients is very minimal.   Keith Weinhold  36:18   Tell us more about the property types, new build single family homes, new build duplexes.   Jim Sheils  36:23   You know, single family and duplexes are our main focus in 2026 for Central Florida, we've done the research. They're very high in demand. They rent quickly, and they rent long term to produce cash flow. Our average single family home under 300,000 we're aiming to after expense, make about $300 cash flow. Our duplexes should be about twice that amount, about just under $600 a month, or just over in cash flow. And then again, the prices are ranging from about 395, to 420, for a duplex. Again, these are in workforce areas where we're doing great, scattered lots. Scattered lot means there's already existing homes around. We like to go to an area where there's good a fundamental balance of homeowners and renters. So there's retail buyers that have bought their first home, and we will place our rentals in between them, whether it's a single family or a duplex.   Keith Weinhold  37:13   We sure don't need to do a complete audio pro forma here, but those cash flow amounts something near $300 for a single family home, and about double that for a duplex. Is that using, you know, a bought down rate to about 4% and some of these other inputs you're talking about, like low insurance costs and a certain property tax rate, can you tell us about that?    Jim Sheils  37:35   Yeah, property tax rate is property tax rate. We can get pretty dang close on property taxes, you know, based on millage and get that down. But when we do our performers, we absolutely go off of, you know, our average rate to be the 375, to four and a quarter. And then when GRE clients look at our performer, and they look at the insurance cost, that's an actual quote from one of our insurance companies that has insured hundreds and hundreds of these properties. Not a guess, yeah, so they know what they're doing. So yeah, those would be the assumptions made in there, and that's what we're basically getting on a week in, week out basis.    Keith Weinhold  38:09   That is really attractive as we're talking about new build. I imagine there is some sort of builder warranty as well.    Jim Sheils  38:16   There's a state mandated 210 warranty. 210 warranty is something we could talk probably a whole episode on Keith. But for what's good for people to know, basically what that means, you get two years coverage on the small stuff and 10 years coverage on the big structural stuff. And so that's why I like new construction. You know what? I used to personally just buy my own fixer up Return key properties from other people. I could get a one year warranty, and that's the best that really can be done. Now with new construction, we've gone from, you know, with our fixer upper homes, able to do a one year warranty, which is good at something. But now with new construction, we can do a 210 warranty, big difference, and also really helps the safety score of issues if they came up.    Keith Weinhold  38:59   We were talking about new build property, and we tend to project relatively low maintenance and repair costs for an obvious reason, maybe your long term vacancy rate could very well be lower as well, due to my earlier point about a tenant wanting to stay there for a long time, because it's hard for them to improve their living situation unless they went out and bought their own place. And you have the low insurance rates, and you have the low mortgage rates, all contributing to positive cash flow on a new build property. And we think about that tenant and what gets the tenant excited? We start to think about some of those amenities. So tell us about what amenities are offered, including inside, in the kitchen and so on.   Jim Sheils  39:38   Jim, yeah, great question, Keith. We've really gotten a great recipe for success for that. You know, we've been doing this a little over a decade now, and so you're always tweaking your build model. What do people like? What do they not like? What's good for durability? Let's look at maintenance and repairs. Let's look at turn costs. So our goal is always the dual focus. That's what looks good. And what lasts really well, yeah, because you want durability. When you have tenants, you want it to look good, so you sell it down the road, 510, years to a first time homebuyer, it looks great. You can sell it. But durability wise, you don't want a lot of extra expenses or maintenance and repairs. So we go durability. So what we found a couple of things. I always joke about this. I do not like the word carpet, Keith, that is a terrible swear word in real estate investing, I can tell you right now, if I could go back and this is not, you know, owning hundreds of rentals, if I could not have done carpet and just reversed it to like vinyl plank flooring, like we do now, or even tile, which was more, I probably would have been able to buy three or four of our duplexes cash with the amount of money, and that is not an exaggeration. So we do not do carpet. First of all, it seems like trends are changing. It's not in favor right now. So we do vinyl plank flooring, which looks really nice, almost like wood floors, super durable, though, for a young family that's going to be tenant occupied in your property and running around on it. That's great. Kitchen wise, again, we don't sell retail really. We like to work with investors, but down the road, our investor might want to sell to a retail buyer. So we know, you know, from our old fix and flip days of the FHA buyers, the kitchen's got a pop. So we always do, you know, we don't do the white appliances, which you know would save you quite a bit of money, and save us quite a bit of money. We do stainless steel appliances. We do all new cabinetry, you know, kind of the latest, nicer cabinetry, a little bit of an upgrade. And then, you know, butcher block countertops, those are going to wear in about a year or two. Keith, it feels really good to spend that smaller amount, you know. But we, we like to do the more durable, nice looking countertops, you know, that are, you know, just so much more esthetically pleasing and actually durable as well. Same thing in the bathrooms. A lot of new builders will do shower kit, which not a problem if you're saving money on a rehab, you know, but we would rather do tile, bring in the extra subcontractors to give tile, and then in the master we do the dual sinks, which this might sound like little stuff, Keith, but these are the micro movements that help get a tenant in quicker, stay longer and more rent. So we're always trying to do these extra things in the granite countertops, both in the kitchens and in the bathrooms. Those cost more upfront, but we see for long term of tenant we see, for the amount of rent we get, and for resale ability, because a lot of people don't think about that. You know what? In seven years you want to sell one of these properties? Well, it's a seven year old roof, it's seven year old plumbing, you're still in a great spot for an FHA buyer. And that esthetically pleasing flooring, bathrooms, kitchens. That allows an easier sale for them, because we want to look all the way around, not just a rental. I like to hold long term, but if you want to sell in five to 10 years, that's a very valid strategy.    Keith Weinhold  42:48   I like carpet in my own home, but not rentals. But what you're sharing with us, Jim, this is absolute gold that's been brought to you through experience. This over improvement versus under improvement line in rentals, and it really has a lot of balance between durability and price. These are the sort of things that really matter, but you are selling predominantly to individual investors, a lot of mom and pop investors. Why don't you make more sales to the retail, owner occupied market, or to institutional investors, even though that might be cracked down upon now. But why don't you sell to those parties?   Jim Sheils  43:26   Yeah, you know Keith, I did a lot of fix and flip to FHA buyers, and I'm an investor. I really like working with investors. So when this all really went back to is 2009 I had a lot of investors. I was in Northeast Florida. The deal flow was incredible. And I just had a lot of investors, you know, through my different networks and Masterminds, like, where you and I have met, and said, Hey, you're getting great deals in Northeast Florida. Could you help put some together for me? And so I had done quite a few fix and flips to retail buyers, and it just kind of hot on me, you know, way back then, like, Wow. I like working with investors. I like building portfolios. I also like the fact that when I'm normally building a portfolio for an investor, well, they hang out with other investors, and they're not looking to buy one property over the next five years. They're looking to buy five to eight properties over the next five years. great point. And so we just saw it as you gotta like who you work with, right? And nothing against first time homebuyers. But when I was rehabbing houses and selling them, golly, that was a lot of work. And then could be persnickety. Yeah, very persnickety. And so when Chris and I teamed up about 10 years ago, we had both gone through the same kind of aha, like going, Yeah, it seems great, but you could sell for more to a retail buyer. But again, like I go back to even the type of property we build, we'd rather do a volume with investors. Be a builder, buy investors for investors, and work that way. And I think it suits me. I think I would have probably hung up my shoes a long time ago if I was. Working with the amount of properties we've done with retail buyers compared to investors, honestly, and so I think it was just kind of, it was a preference, really, that made sense   Keith Weinhold  45:09   to your point. Investors buy multiple properties, and that way there are fewer parties to deal with. And investors tend to be less emotional than those more persnickety, owner occupied buyers. Well, Jim, you make it easy for investors. Besides all these incentives, you also offer an in house management solution for these investors, often that tend to be out of state. Well, Jim, before I ask you, if you have any closing thoughts, would you the listener like to ask Jim any question directly? Well, you can, because I have a great event to tell you about next Thursday, the 19th, at 8pm eastern Jim here and GRE investment coach, Naresh will co host a live webinar for Central Florida new build income property. In fact, Jim, I think you know Naresh longer than I have, as it turns out, but this event is free, and you the listener are invited. We've had between 250 and 550 registrants for our past webinars. Not all of them attend live. So the benefit of you attending live is that you can have any of your questions answered by either Naresh or Jim in real time, and besides learning about the Central Florida market and more about home building, you are going to see available new build income property, real addresses with some of these rather grand incentives that we've talked about here, you might end up with a long term rate of about 4% again, it is Thursday, the 19th at 8pm Eastern. Sign up is open now at grewebinars.com that's grewebinars.com Any final thoughts here, Jim, for this great event coming up next week?   Jim Sheils  46:52   I think we're going to dig a little deeper. Obviously, this is a conversation that was great, but moves pretty quickly when we talk next week, we're going to be able to dig into more of the fundamentals, some of the stats, and just get underneath the hood of why Central Florida is making so much sense, and just some of the rising stars that we're seeing there that we're very excited to be a part of.   Keith Weinhold  47:13   You've helped our listeners for close to 10 years now. It's been an informative chat as always. Thanks so much for coming back onto the show.    Jim Sheils  47:21   Thanks for having me, Keith.   Keith Weinhold  47:27   Yeah, like our guest touched on Ocala, Florida now has national recognition as the fastest growing city in America, and that's for the second year in a row. According to a new U haul report, Florida is, of course, a rather landlord friendly state. In fact, Florida is the first state to enact a law that allows law enforcement to immediately remove squatters, distinguishing them from legal tenants. Now here's what's interesting and why I've identified this opportunity if Florida prices dipped because people were leaving now, that could be a red flag, because population loss is like gravity. Once it starts falling, it is hard to escape. But that's not what's happening. Instead, what we're seeing is a temporary overbuild hangover. Builders got ambitious. We're in a brief period where supply outran demand and prices softened. That's not decay. That's a sale rack. Any vacant homes are not stranded. They're being absorbed by Florida's still growing population, which has now increased every single decade since its first census count, back in the year 1830 back in 1830 there were about 35,000 residents in the whole state. Isn't that amazing today? North of 24 million, that is 700x population growth in almost 200 years, and it's still growing. That kind of trend doesn't reverse because a few builders over ordered inventory here at GRE this made us target and find in opportunity. This isn't an accident. Central Florida is this year's most compelling. Housing market in that region, Central Florida, is growing faster than the rest of the state at large, and it really sits in the sweet spot of this temporary imbalance. One long established builder overbuilt and now they're motivated. They know what investors want. So, for example, they don't build swimming pools with their homes. They also offer property tours, and over 90% of their tour attendees buy property. They're willing to offer terrific incentives at our upcoming GRE live webinar, like we touched on new build single family rentals, 270k and up duplexes, three. 95 to 420, long term mortgage rates as low as 3.75% you get low insurance rates since they're inland and new build positive cash flow and a builder warranty at the event. You're going to learn all about the growth drivers in Central Florida, why so many renters are moving there and see available properties. This benefits anyone looking for a clear, practical view of current real estate conditions. Joining live does matter, since you can have those questions answered in real time, not after the opportunity has moved on, you are invited for next Thursday, the 19th, at 8p m Eastern. This one is worth circling, not because it's flashy, because it's timed right. Sign up is open now @grewebinars.com that's gre webinars.com. Until next week. I'm your host. Keith Weinhold, don't quit your Daydream.   Speaker 5  51:00   Nothing on this show should be considered specific, personal or professional advice. Please consult an appropriate tax, legal, real estate, financial or business professional for individualized advice. Opinions of guests are their own. Information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of get rich Education LLC, exclusively.   Keith Weinhold  51:29   The preceding program was brought to you by your home for wealth, building, get richeducation.com  

Send us a textOn this month's episode, Beth, Brittany, and Stephanie look back on 2025 with their top titles of the year and what books they're looking forward to coming out in 2026. But first, they discuss their 2026 reading resolutions!We want to hear from our listeners! What are your reading goals for 2026? Email us at checked.in@davenportlibrary.comTo find out what books were mentioned in this episode, visit our Checked In LibGuide!Upcoming programs:All Ages: Winter Reading Challenge 2026Adults: Formal Wear Dropoff and Giveaway - Friday, January 30th & 31st | FairmountTeens/Tweens: Teen Book + Club: Accountable by Dashka Slater - Wednesday, January 28th @ 6:30 | Fairmount Kids: Cat Kid Comic Club - Tuesday, January 27th @ 4pm | Eastern Helpful links from our discussion:2026 Online Reading Challenge: Know Your History2026 Rock Island Arsenal Series - American Revolution on the 250th Anniversary of Our NationAdult Book ClubsLibrary of ThingsLibrary Links:Calendar of Events - Learn more about the events discussed in this episode and about what is coming up at the Library!Library Catalog - Place holds on all of the books discussed today!Info Cafe: The Library's Reference BlogBeanstack - Sign up to participate in our reading challenges!

Send us a textOn this last episode of the year, your hosts indulge in the annual Festivus, airing of grievances – book edition! They also give each other the gift of a reading recommendation, as well as share some of their favorite short reads for the shortest days of the year. To find out what books were mentioned in this episode, visit our Checked In LibGuide!Upcoming programs:Adults: Richardson-Sloane Special Collections Center Grand Reopening Open House - Friday, December 12th @ 1:30pm  Teens/Tweens: Teen Book + Club: Thieves' Gambit by Kayvion Lewis - Tuesday, December 30th @ 6:30pm | Eastern Kids: Glow-ga - Monday, December 22 @ 1:00pm | FairmountLibrary Links:Calendar of Events - Learn more about the events discussed in this episode and about what is coming up at the Library!Library Catalog - Place holds on all of the books discussed today!Beanstack - Sign up to participate in our reading challenges!2025 Online Reading Challenge

Send us a textOn this month's episode, Beth, Brittany, and Stephanie discuss: Dinovember, our new Library of Things, and all things puzzles. They also talk about what they recommend for cozy reading this fall season!To find out what books were mentioned in this episode, visit our Checked In LibGuide!Upcoming programs:Adults: Game and Puzzle Swap- Saturday, November 15th @ 3pm - EasternTeens/Tweens: Teen Book + Club: The Way You Make Me Feel with Bonus Korean Snack Tasting - Saturday, November 15th @ 1pm - EasternKids: Kids Craft Series: Painted Tote Bag - Monday, November 24th @ 3:30pm -Fairmount Helpful links from our discussion:Dinosaurs take over the Library!Library Links:Calendar of Events - Learn more about the events discussed in this episode and about what is coming up at the Library!Library Catalog - Place holds on all of the books discussed today!Beanstack - Sign up to participate in our reading challenges!2025 Online Reading Challenge

Send us a textSpooky season is upon us! Beth, Brittany, and Stephanie breakdown everything you need to know about the latest trends and tropes in the horror genre. And they share our own local ghost stories with The Library's resident spooky storyteller, Amy from Special Collections! But first, Sarah from the Midwest Writing Center joins us to discuss banned books. Upcoming programs: Adults: Quad Cities Archives Fair - Saturday, October 18th @ Haunted Rock Island Roadhouse Teens/Tweens: Teen Movie - Saturday, October 25th @ EasternKids: Monster Mash @ Main - Thursday, October 23rd @ Main  Helpful links from our discussion:Midwest Writing Center & Sarah Elgatian's contact: sarah.elagtian@mwcqc.orgALA's Banned Books Week 2025QC Libraries' Teentober Contests | Art, Writing & FilmBestsellers ClubLibrary Links:Calendar of Events - Learn more about the events discussed in this episode and about what is coming up at The Library!Library Catalog - Place holds on all of the books discussed today!Beanstack - Sign up to participate in our reading challenges!2025 Online Reading Challenge

Send us a textOn this month's episode, Beth, Brittany, and Stephanie discuss all that September has to offer. Not only is it back-to-school season, but it's also Library Card Sign-Up month! Tune in to hear our hosts interview some special guests and learn what all is coming up this fall at The Library.To find out what books were mentioned in this episode, visit our Checked In LibGuide!Upcoming programs:Adults: Beginning Genealogy Workshop - Thursday, September 11th @ Main  Teens/Tweens: Teen Anime Day - Saturday, September 13th @ The Figge Art MuseumKids: 1000 Books Before Kindergarten Graduation Ceremony - Saturday, September 20th @ Fairmount Helpful links from our discussion:FreegalQC BeatsMending MondaysLibrary Links:Calendar of Events - Learn more about the events discussed in this episode and about what is coming up at the Library!Library Catalog - Place holds on all of the books discussed today!Beanstack - Sign up to participate in our reading challenges!2025 Online Reading Challenge

Send us a textOn this month's episode, Beth, Brittany, and Stephanie beat the summer heat with their favorite books about dogs! They also prepare for the Perseid (per-se-id) Meteor Shower peaks on August 12 and August 13 with their favorite books that take place in outer space. And think you don't like poetry? Maybe you do but celebrate Bad Poetry Day with your hosts anyway! To find out what books were mentioned in this episode, visit our Checked In LibGuide!Upcoming programs:Adults:  DJ Clinic – Thursday, August 28th @ FairmountTeens/Tweens: Escape Room - Escape from the '90s - August 13th-16th @ Fairmount  Kids: Pokémon Club - Saturday, August 9th @ Eastern Helpful links from our discussion:Summer Reading Challenge 2025Discover Davenport Summer Kids PasseseBook Expansion & BRIDGESLibrary Links:Calendar of Events - Learn more about the events discussed in this episode and about what is coming up at the Library!Library Catalog - Place holds on all of the books discussed today!Beanstack - Sign up to participate in our reading challenges!2025 Online Reading Challenge

Send us a textOn this month's episode, Beth, Brittany, and Stephanie hit their summer reading stride with Beach Read recommendations! They also discuss an article about the most popular book genres in each state. If you're like us, you're just going to skip ahead to Iowa and Illinois. To find out what books were mentioned in this episode, visit our Checked In LibGuide!Upcoming programs:Adults: Resume Writing Workshop - July 22nd @ EasternTeens/Tweens: Teen Hike + Read: Sunderbruch Park - July 10th & 19th @ OffsiteKids: Space Jam Family Puzzle Tournament - July 12th @ EasternHelpful links from our discussion:Summer Reading Challenge 2025FRIENDS BookstoresBook Clubs at The LibraryLibrary Links:Calendar of Events - Learn more about the events discussed in this episode and about what is coming up at the Library!Library Catalog - Place holds on all of the books discussed today!Beanstack - Sign up to participate in our reading challenges!2025 Online Reading Challenge

Send us a textIn this month's episode, Beth, Brittany, and Stephanie get you ready to Level Up with our summer reading program (it's not just for kids!) They discuss how you can participate in the Midwest Writing Center's annual David R. Collins Writers' Conference happening right here in the Quad Cities. They also do a mid-year check in on their reading goals and get a bit bossy with each other's to-read pile. To find out what books were mentioned in this episode, visit our Checked In LibGuide!Helpful links from our discussion:Summer Reading Challenge 2025 Bestsellers ClubMidwest Writing CenterLibrary Links:Calendar of Events - Learn more about the events discussed in this episode and about what is coming up at the Library!Library Catalog - Place holds on all of the books discussed today!Beanstack - Sign up to participate in our reading challenges!2025 Online Reading Challenge

Send us a textIn this month's episode, Beth, Brittany, and Stephanie get a crash course in the Hallyu (Hal –you) Wave as librarian Elena teaches them about the phenomenon of South Korean pop culture. In honor of Mystery Month, they discuss their favorite characters, settings and tropes (spoiler alert – it's the librarian, in the small town, with a cat sidekick). And finally, they're celebrating Mother's Day with books by, for, and about moms!Some upcoming programs:Adults: QCMade: Miss Effie's Country Flowers – Thursday, May 22nd @ 27387 130th Ave, Donahue, IA 52746  Tweens/Teens: Teen Gaming – Every Wednesday, 4pm @ Fairmount  Kids: Yoga Storytime and Pop-Up Library at Autistic & Loved – Thursday, May 22nd, 10am @ 3811 Harrison St Suite 200, Davenport, IA 52806To find out what books were mentioned in this episode, visit our Checked In LibGuide!Helpful links from our discussion:Freegal Kpop Playlist Newspaper ArchiveAmerica's NewspapersCommunity Experience Passes Library Links:Calendar of Events - Learn more about the events discussed in this episode and about what is coming up at the Library!Library Catalog - Place holds on all of the books discussed today!Beanstack - Sign up to participate in our reading challenges!2025 Online Reading Challenge

Send us a textIn this month's episode, Beth, Brittany, and Stephanie celebrate National Library Week with its theme: Drawn to the Library and have a discussion on books about libraries and librarians. They interview our Bettendorf Public Library colleague about the benefits of our library consortium (RiverShare), and chat with their co-worker Claire about Davenport's graphic novel collection. Some upcoming programs:Adults: Davenport Water Treatment Tour – Saturday, April 26th @ 2606 S Concord St, Davenport, IA  Tweens/Teens: Teen Book Club: Grown by Tiffany D. Jackson – Monday, April 14th @ Eastern  Kids: Make Every Day Earth Day - Monday, April 14th 2pm @ Fairmount To find out what books were mentioned in this episode, visit our Checked In LibGuide!Helpful links from our discussion:RiverShare LibGuideApril Library Love Reading ChallengeShare Your Library StoryLibrary Links:Library Social Worker - Do you need help navigating government benefits, affordable housing, or unemployment? Are you wondering what resources are available for you and your family? The Library Social Worker can work with you to navigate these challenges.Calendar of Events - Learn more about the events discussed in this episode and about what is coming up at the Library!Library Catalog - Place holds on all of the books discussed today!Beanstack - Sign up to participate in our reading challenges!2025 Online Reading Challenge

Send us a textIn the bonus episode, Beth, Brittany, and Stephanie sit down with the current ALA President, Cindy Hohl, to discuss National Library Week and the upcoming ALA Annual Conference & Exhibition.Click here to learn more about the ALA Annual.

Send us a textIn this month's episode, Beth, Brittany, and Stephanie talk about their favorite plant and gardening themed books because Seed Library Season is upon us! March is also Women's History Month, so tune in to hear our librarians' reading recommendations to celebrate and learn about prominent U.S. women. Some upcoming programs:Adults: Women Inventors of the Quad Cities and Beyond - Wednesday, March 26th @ 6:30pm | Eastern  Tweens/Teens: Teen Hunger Games Party - Saturday, March 15th @ 3pm | Fairmount  Kids: Frog Party - Thursday, March 20th @ 1pm | Eastern To find out what books were mentioned in this episode, visit our Checked In LibGuide!Helpful links from our discussion:Seed LibraryPatent and Trademark Resources CenterYouth Media Awards | ALAWomen's History Posts | Special Collections BlogKanopyLibrary Links:Library Social Worker - Do you need help navigating government benefits, affordable housing, or unemployment? Are you wondering what resources are available for you and your family? The Library Social Worker can work with you to navigate these challenges.Calendar of Events - Learn more about the events discussed in this episode and about what is coming up at the Library!Library Catalog - Place holds on all of the books discussed today!Beanstack - Sign up to participate in our reading challenges!2025 Online Reading Challenge

Keith discusses the impact of baby boomers on the housing market, noting that contrary to popular belief, many boomers are choosing to age in place. He also addresses the negative effects of gambling, particularly sports gambling, on young men, including financial ruin and increased bankruptcies. 54% of baby boomers state that they will never sell their homes.  People aged 55+ own more than half of U.S. homes. The overall population growth in the US has grown at its fastest rate since 2001, reaching over 340 million. Millennials and Gen Z, the largest generations, are driving future housing demand.  Resources: GRE Free Investment Coaching:GREmarketplace.com/Coach Show Notes: GetRichEducation.com/541 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  You get paid first: Text FAMILY to 66866 Will you please leave a review for the show? I'd be grateful. Search “how to leave an Apple Podcasts review”  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— text ‘GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Automatically Transcribed With Otter.ai    Keith Weinhold  0:01   Welcome to GRE. I'm your host, Keith Weinhold. All the baby boomers are about to sell off their homes and downsize, unleashing a glut of supply onto the market, and housing prices crash. Is there cogency to that theory or not? I give you a definitive answer, the Trump bump, then later, a pernicious vice is destroying more people's lives today, especially young men and almost no one is talking about this. It's leading to lower credit scores, more bankruptcies and even more suicides today on get rich education   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 and key 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  1:25   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  1:41   Welcome to GRE from Hyannis, Massachusetts to Hiram, Utah and across 188 nations worldwide. I'm Keith Weinhold, and you are inside get rich education episode 541 just another slack jawed and snaggletoothed podcaster here now a popular, I suppose, media narrative that's been out there for a long time is this premise that US housing prices are going to crash hard because all the aging baby boomers are going to sell their homes, and Boomers are the biggest generation in all of American history. This is just going to magnify the price collapse. It means far more home sellers than buyers. So soon enough, sellers will have to keep cutting prices. Everyone's going to undercut everybody to compete with all of these for sale homes. So as a result, everybody's property values are going to collapse today. Let's look at how bad it will get. Should you get ahead of this and sell it all now and then? I'll even tell you when this popular narrative will supposedly happen with boomers selling en masse, or won't it happen at all. That's what we're looking at, the term silver tsunami. You've probably heard that thrown around in the real estate world. It actually refers to pent up housing stock that older homeowners will eventually choose to sell, which would have that effect of flooding the market with all this new inventory. All right. Now let's define what we're talking about here. Baby Boomers are the generation born just after World War Two, between 1946 and 64 that makes them between the ages of 61 and 79 this year. Okay, so basically, these people are in their 60s and 70s. That's their age. My parents are baby boomers. President Trump is at the upper age limit for a boomer, but they're not all as old as you think. I mean the youngest baby boomers include Michelle Obama, Sandra Bullock and Rob Lowe. So not all boomers are like super old, but see, it is a big generation of over 76 million people. So whatever they do really moves the economy. And maybe you've heard it been said, My gosh, what if we have more dyers than buyers? But now a more nascent trend is that you hear about more and more boomers and people older than boomers not selling their home instead wanting to age in place. And that just means they want to stay in their home and not go to a nursing home or assisted living. And that was recently quantified in a survey that Housing Wire reported on it found that 54% of baby boomers say that they'll never sell their homes, some of them passing homes along as inheritance and see often that's because their home is paid off and assisted living care costs are through. To the roof, more than half of boomers don't have any mortgage at all. All right, so we've established that boomers aren't as old as most people think, and then a lot of them aren't planning to sell. But still, let's look for trouble here, because boomers are a huge group, and some portion of them are going to sell is they age, even if a lot of them say that they won't. How about the almost half of boomers with a mortgage? You know what? Here's the thing, if they downsized, like older people have traditionally done. I mean, my grandparents downsized long ago. But do you know what would happen if boomers downsized? Today? For most, their monthly mortgage payment would actually go up if they downsized. That's because of today's higher mortgage rates and home prices. And see, that's a financial reality that keeps them in place. They're never going to downsize. All right, so a lot of boomers are just not going to sell. But still, this wave of selling boomers crashing the housing market, this has been a popular narrative for, I don't know, maybe more than a decade. Now there's been a lot of smoke, so then where is the fire. That's another way to think about this. So there's got to be more to this. And there is, in fact, people age 55 plus, own more than half of the homes in the US. Did you know that? All right? Well, if we pull back from boomers, and let's just take a look at all homeowners of every age, people are staying in their homes longer, whether they're age 30 or 50 or 80, Americans now stay in the same home about 12 years. That is twice as long as 2005 Well, what that means is that homes don't come onto the market and people cannot buy what's not for sale. And then, of course, you've got the well documented interest rate lock in effect. That's a contributor here to people of all ages with 4% mortgages, they are reluctant to sell. And now what we're talking about here are demographics. Remember that quote, demography is destiny, the three word quote from 1800s era French philosopher Auguste Comte, and that's because it's completely predictable. If you're 32 years old today, in 10 years, you'll be 42 totally predictable. All right, if demographics could possibly crash housing crisis, let's step back and see what's going on with overall US, population growth. You know what? It just grew at its fastest rate since 2001 about a full 1% growth last year, yeah, we broke the 340 million population mark for the first time ever. And now, what about the portion that our immigrants, and what if a substantial amount of them get deported? I mean, after Trump settled into the White House for his second term, deportations began almost immediately. Is there enough population growth to buy from the boomers that do sell their homes? Well, if mortgage rates come down into the low fives, then maybe more boomers will sell and bring some more resale inventory onto the market. See, you need a good chunk, though, of buyers to come in from somewhere in order to support future housing prices. Well, where are those buyers going to be? Well, some people still don't realize that the largest generation in American history is, in fact, not baby boomers, it's millennials. They became the biggest group more than five years ago. In fact, Statista tells us that Gen Z isn't far behind them either. Yeah, Gen Z is almost as big as millennials as a group coming right behind them. And of course, this varies a little bit. Demographers parse the generations somewhat differently, but here's what the rise of the biggest generation means, millennials. They're aged 29 to 44 now, and there are over 70 million of them, and then almost as big the next group right behind them, Gen Z. They're ages 13 to 28 they alone number about 70 million themselves, even if you just completely leave the surge in immigration out of the picture and all the additional housing demand that immigration brings. So we're mainly just looking at the domestic side alone here. So. What's happened is that there were 4 million plus births per year from 1990 to 2010 providing a tailwind for housing demand through 2035, 2045, or later. Yeah, we had more births during many of those years than we did in the peak of the baby boom, which was 1957 like I've mentioned on the show before, the average age of a first time homebuyer is now a record high of 38 years old, per the NAR it's really taken a long time for some people to stop playing the video games and moving out of their parents basement. Okay, well, the peak birth year for the US was 2007 I just told you it was elevated between 1990 and 2010 but 2007 was that peak, alright? So take that peak and add 38 years to it, and you know what? The first time homebuyer demand is just going to continue to build, build, build, and not even reach its peak. Then until 2045 or so, the peak birth year 2007 plus 38 years, that is where the crush of future demand is coming from because that person born in 2007 on average, they're not even going to buy their first home until well into the 2040s   In fact, the number of Americans turning 35 every single year is High, and it just keeps increasing. It's over 4 million now, already up 25% since 2011 and this number of Americans turning 35 is going to keep rising for another decade or two. In fact, this year, it's going to approach 5 million Americans turning 35 new record territory coming. And I keep bringing this up because 35 is a key age, because by that time, almost everyone has moved out of their parents home, and so that's the time where people either need to rent or own themselves, pushing up both rents and prices, and that's why this wave of demand and pent up demand is just gonna keep coming. And by the way, those stats that I gave you there, they're all sourced from the US Census Bureau. I mean, this is exactly where the housing demand just keeps coming from. It's a big factor about why prices keep going up. The demand just keeps piling on, even though affordability worsened, the demand just keeps coming. And it's just going to keep on coming well in to the 2040s now it could very well ebb substantially by, say, the middle of the 2050s but we'll see, and that is still three decades away. And remember, all of this doesn't even include the additional population growth from immigration and how many non deportees that is going to add to the housing demand on top of this, and then, if that's not enough, there is even more future housing demand expected to come from the declining number of occupants per household. Yes, the reduced household size that Stokes housing demand. I touched on this with you a little before on a prior show. But let me go deeper as we continue to corrode this more dyers than buyers. Theory, as we break this down, people have smaller families today. I think everybody knows that back in 1960 there were 3.3 occupants per household. Today, it's just two and a half. And to give you a simple example of how this itself keeps stoking the housing demand, just say that there's a village of 100 people with three occupants per household, they would need 33 and 1/3 homes over time, when that drops to two occupants per household, that's the direction we're going now that same village needs 50 homes just in order to accommodate the shift in household structure. Well, 50 homes is 50% more than 33 and a third, well, that means 50% more homes are needed, and that's even in a scenario where the population stays the same. Yet it's not staying the same, it's rising, and the population is really rising fast for that key household form. Population age range of 35 to 38 years old. Fewer Americans are living together. I expect the housing market to continue shifting toward smaller household counts. One person households will keep rising. I expect that to be one of the most impactful housing trends of this entire 21st century, and it's also really helping fuel a loneliness epidemic, which is another subject unto itself. Well, the three main drivers of this rise in single person households is that first people are delaying those major life events compared to previous generations. They're attending school longer. They're marrying later. They're buying homes later. They're having children later. And as these events are postponed, the time some young adults spend living alone or without children increases. They're playing video games longer as well. The second driver of these single person households is falling. Birth rates when people have children, many are having fewer than previous generations, reducing the average household size. That's pretty obvious. And then third the population composition is getting older. And older, people tend to live with fewer people. If life expectancy rises, this component of the trend would only intensify. Yes, the whole Brian Johnson thing, he is the health influencer that says we now have alive, the first generation that's going to live forever due to advances in longevity in technology. I mean, my gosh, if he is right, what would that do to housing demand? I mean, and it would also push up our average age even more. Gosh, yet, at the same time that all this demand keeps pushing up. America already has a well publicized overall housing shortage of several million housing units. You already know that story well, construction has picked up a little, but not enough to keep up with demand. In fact, American housing supply is still about 30% below pre pandemic levels. So suffice to say, let me give you a satisfying definitive answer here, when are selling boomers going to crash housing prices? It is highly unlikely that that can even happen at all. In fact, you see fewer stories about this than you used to. More people have come to realize that it is just not happening. And looking at us demographics over the next few cycles, a lot more people will need homes demand continuing to exceed supply. This is why home prices should just keep rising from here. In fact, I have been an active single family rental property investor here myself, single family is where perhaps the greatest shortage is and the greatest demand is at the same time I am owning something that people are definitely going to need more of. Remember, demography is destiny, and they're going to pay more and more for it. When mortgage rates fall, it's probably going to bring in even more buying activity, and now all of this continued upward, long term, future price momentum for housing, of course, that all existed before Donald John Trump step into the White House to start his second term last month. I think the Trump factor, or Trump bump, you know what often gets somewhat exaggerated for what it can do to the economy and housing prices, right? I mean, I've talked to you before, it's about the decisions that you make more so than decisions that a politician makes, but Trump is doing some things on a pretty seismic level these nascent immigrant deportations, that obviously can increase the cost of labor you're exporting away your low cost labor with immigrant deportations. I mean, that is inflation tariffs, though some tariffs have been negotiated away for the time being, that's more inflation. So deportations mean wage increases. That's more inflation. Increased wages mean increased rents. Trump talks lower taxes. Lower taxes can then mean higher rent payments. Proposals to eliminate. Made taxes on tips over time and Social Security, that means that Americans and retirees are gonna have more disposable income. More income means higher rent collections, fewer delinquencies, and potentially rising home prices as affordability improves. That's a lot of the good news. It's not all rosy news. You better look out for high tax states salt adjustments that state and local income tax and a deduction cap could harm their property values. We're talking about places like California, New York and New Jersey, the 2017 Trump tax cuts and Jobs Act that gave real estate investors some really juicy benefits, like 20% pass through deduction for LLCs and bonus depreciation on rental properties and lower corporate tax rates too. Combined this stuff, it all keeps more money in your pocket and allows for bigger deals with better cash flow.    We're talking about Trump bump factors on the real estate market here, other proposals on the table, other things like tax breaks for domestic production that could boost us construction, leading to more badly needed housing supply that could lower building costs and investment opportunities in niche in growth markets. Remember opportunity zones, and then what about targeting wealthy investors? We'll see what happens, but Trump's plan removes tax breaks for hedge funds and billionaire sports owners. But could real estate investors get hurt a little on that side too? Maybe look for changes to the 1031 or depreciation strategies. But you know, the 1031 exchange has been around for over 100 years. I would be surprised if it went away completely, and yes, though they have been postponed, if 25% tariffs on Mexico and Canada do go into place and the countries retaliate, as they've been shown to do, it would add point seven 6% to US inflation and subtract 410 of a percent from US GDP growth. Aren't those two projections Interesting? Yeah, those estimates were compiled by the Yale budget lab. So adding about three quarters of a percentage point to the overall inflation rate with these tariffs. I mean everything we're talking about the price of your housing or your car tires or your tomatoes and romaine lettuce. I mean, that effect could take money out of people's pockets. Yes, we know that Trump wants to bring down interest rates, but I don't know how he's going to do that. I mean, as you know, more inflation correlates with higher rates, not lower ones. See, you just can't get it all. You just can't have it all. And of course, mortgage rates are not historically high. They've simply been normalized after years of being artificially low. Rates are normal. So normalized is really a term that I like to use. So really, to help summarize what I've shared with you here in the first half of the show, a housing price crash induced by a boomer sell off is not a thing. In fact, almost Oppositely, demographics in this pent up demand should raise up future home prices, and to a lesser extent, a Trump bump can as well. Yes, gosh, Trump just has an insatiable fascination for tariffs. It is truly amazing, and it has more stick to itiveness than say, Mark Zuckerberg, recent fascination with masculine energy and gold chains, that's for sure.   Hey, before we get into the pernicious vice that's destroying more people's lives today, especially young men and almost no one is talking about this, it's leading to lower credit scores, more bankruptcies and even more suicides. First, I've got some cool things to tell you. About two weeks ago here on the show event, host Robert Helms of the real estate guys and I invited you to join us on the terrific Investor Summit at sea, that cruise on the Caribbean. Besides the two of us, there are a number of other great faculty members. Robert Kiyosaki recently announced that he's going to be joining us on the faculty as well. So you'll get to meet and learn from Robert Kiyosaki, and if you happen to be a new listener, he is the top selling personal finance author of all time the. Rich Dad, Poor Dad, author, and he's been our guest here on the GRE podcast four times. Now, I hope to meet you, the listener, in person on the summit at sea in the Caribbean this June, starting out of Miami. Gosh, what an outstanding time that is. It's not a low cost event, however, the minimum cabin in interior cabin is $5,900 and they are more expensive from there if you get nicer accommodations. But all the details are there on GRE podcast episode 539 two weeks ago. I really hope you'll join us and then I can meet you in person.   Earlier this month, Trump established a US sovereign wealth fund, and when he did, I congratulated our frequent contributor here, macro economist Richard Duncan, because Richard championed the establishment of that fund for years. He presented to Congress about it, and Richard was the first ever GRE guest with us back here in 2014 on the Panama coffee farm investing that we've discussed here on the show, Villanova University reached out to them, and they're now collaborating together. It's something I find kind of cool, as a Pennsylvania native and one of my tightest best friends is also a Villanova alum, as for future episodes coming up on the show. Here, imagine if you had a property loan, yet you didn't have to make any payments, and if you did make payments on your loan, then every penny of that payment goes to principal, not to interest. Wouldn't that be incredible? Well, such a thing does exist, and it's not new or experimental or avant garde. People just don't know about this vehicle. We're going to discuss that right here on next week's show, along with some other vital mortgage topics. There are three ways to connect with our education at GRE you're listening to one of them right now, our flagship podcast. Also check out our get rich education YouTube channel, because that is different content than this show. That's the second way, and that show is also on other video first, platforms like get rich education on rumble, and finally, you'll have it all, all three when you get our weekly Don't quit your Daydream newsletter if you don't already get it free now, while it's on your mind, simply text GRE 266, 86, more. Next. I'm Keith Weinhold. You're listening to get rich education.    Hey, you can get your mortgage loans at the same place where I get mine, at Ridge lending group NMLS 420056, they provided our listeners with more loans than any provider in the entire nation because they specialize in income properties, they help you build a long term plan for growing your real estate empire with leverage. You can start your pre qualification and chat with President Caeli Ridge personally. Start Now while it's on your mind at Ridge lendinggroup.com that's Ridge lendinggroup.com    Oh geez, the initial average bank account pays less than 1% on your savings, so your bank is getting rich off of you. You've got to earn way more, or else you're losing your hard earned cash to inflation. Let the liquidity fund help you put your money to work with minimum risk, your cash generates up to a 10% return and compounds year in and year out. Instead of earning less than 1% in your bank account, the minimum investment is just 25k you keep getting paid until you decide you want your money back. Their decade plus track record proves they've always paid their investors 100% in full and on time. And you know how I'd know, because I'm an investor in this myself, earn 10% like me and GRE listeners are. Text family to 66866, to learn about freedom. Family investments, liquidity fund on your journey to financial freedom through passive income. Text family to 66866.   Robert Kiyosaki  29:31   this is our rich dad Poor Dad. Author Robert Kiyosaki, listen to get rich education with Keith Weinhold and Don't Quit Your Daydream.   Keith Weinhold  29:50   Welcome back to get rich Education. I'm your host. Keith Weinhold, every once in a while, there's an investing adjacent activity that becomes. Is pronounced or become such a trend that it just can't be ignored, and you need to know about it. I recently presented on how gambling is financially derailing so many people today, especially young men and sports gambling and what makes California and Texas special here, the two most populous states, by the way, you'll see, once they legalize this, it's gonna get worse. There are two states where it's not legal yet now investing in gambling. They are two distinctly different activities. Investing is different from gambling. When you invest, you're purchasing a stake in an asset that has value in an effort to generate profit. But gambling doesn't involve taking ownership of anything of value. Instead, betters are predicting the outcome of an event gambling. It's really not a side hustle. I mean, people are constantly losing their families and businesses over this. This will be all new material here on the show as usual, except for a short snippet that includes super CPA Tom Wheelwright. This is about 10 minutes in length. Shout out to the media team here at GRE on the production side. And then after this, I have more to tell you about real estate.    Speaker 1  31:30   America is in the midst of an historic surge in legalized gambling.   Keith Weinhold  31:37   This is the worst thing that people are now doing with their time and money today, it's not losing it to inflation, it's not playing video games. It's being a slack jawed gambling degenerate. We are in the midst of an historic surge in legalized gambling, and the devastation on gamblers, especially young men is a lot worse than you think. I've also got a giant ominous warning for you that seasoned gamblers don't even know about when I bring in my CPA for just a minute here today on the seriously punishing tax implications that should scare anybody out of gambling.    Hi, I'm Keith Weinhold, get rich education, founder, Forbes real estate council member, best selling, author, and long time real estate investor. Almost 60% of 18 to 24 year olds have placed at least one sports bet now that's per the NCAA, and that has surged so fast. I mean, just less than a decade ago, major pro sports leagues shunned gambling, disassociating with it because it was illegal in most places. The big turning point was 2018 that's when the Supreme Court ended a decades long ban on commercialized sports betting. 38 states and DC have now legalized it most with minimum age requirements set at 21 and the two biggest platforms are DraftKings and fam duel. They've got about 70% of the market. But look, you can do this if you're under 21 on platforms like prize picks and flip they offer betting like experiences. They operate under fantasy sports or sweepstakes, and having these apps on your phone that just brings the gambling right to you. It keeps it in your face and addictive. Now it's like you're sitting in a casino when you're on your living room so far, or in your bed or even in the bathroom, there is no escape. Two thirds of Americans live in a state where they can access it on their phones. And look how young some of these gamblers are, what they have to say. And then who's showing up in these gamblers Anonymous meetings   Speaker 1  33:56   today's world is the 16, 1718, year olds, 1921, year olds that get addicted years ago, before, unlike casinos, if we had a person coming in and they're 24 years old, it was rare. All right, now the norm, the real norm, it's kids coming in at 17 years old. That's the norm.    Keith Weinhold  34:16   Well, one big reason why it's such a problem is, look, you can't hide it, so that therefore others can't tell if you're gambling, because you're not, you know, shooting it into your veins, or you're not acting drunk, or you're not smoking anything. See, you can gamble without exhibiting a physical change, so therefore others don't know that you need help. And it is all over the place. I mean, gambling ads air on TV over 60,000 times a year. Celebrities endorse gambling. I mean, some teams put gambling ads right on the field. Brick and mortar sports books are even built inside some stadiums now, Caesars and bet MGM. There are two other big platforms that you might see out there, but I mean, in their commercials, yeah, they can put that one 800 gambler help number on screen and tell you things like, gamble within your limits. But look, here's the thing these platforms, they're not going to cut you off if you continue to lose and they profit. In fact, if you win disproportionately big time after time, and these platforms can kind of tell that you're too smart. You know what they do, like a casino that identifies a card shark in Vegas, they're either gonna curtail your activity or just totally cut you off, alright? So then, by definition, if you have an account in good standing at FanDuel or DraftKings, and you bet a lot, and they keep letting you play well, then you have just signaled to the entire world that you don't know what you're doing, and you are going to lose big, or you already have. I mean, that is baked into the cake. That's how the system works. So therefore these companies are basically mining America to find anyone stupid enough to keep placing these sports bets. Companies are profiting from this, and then states are too. I mean, they've collected billions in tax revenue and FanDuel and DraftKings, see, they're publicly traded companies, so this means that they have shareholders, and those shareholders, they want to see profit and growth. I recently asked decorated CPA and mega popular tax author Tom Wheelwright about tax rates on gambling for just a quick three minutes here. I mean, you won't believe how punishing This is.    Can you tell us about sports gambling taxes and how it's treated   Tom Wheelwright  36:43   yeah. So remember, all income is taxable. So that includes gambling winnings. They are taxable. In fact, you'll get a 1099 just like you would if you rendered services, you know, you'd get a 1099 right? Or you have interest income, you get 1099 you get 1099 from gambling. What you actually have to show is that you actually have gambling losses. So you have to track those gambling losses to show the IRS that you've got gambling losses. But your gambling losses can never be more than your gambling winnings. In other words, you don't you never get to generate a tax loss on gambling. So that means is, is that if you win $10,000 during the year, and you can prove that you lost $8,000 during the year, you're gonna be taxed on $2,000 but if you can't prove the 8000 you're gonna be taxed on 10,000 Yeah,   Keith Weinhold  37:39   so you the gambler have the burden of tracking this, and I guess tracking your losses. I'm not a gambler. How would one track their losses?   Tom Wheelwright  37:47   Oh, I would keep a detailed ledger. Personally, I'd probably have a separate bank account just for gambling. Gosh, that's the way I would do it. I'm not a gambler either. So by the way, it's also a good way to budget your gambling so they, you know, get in trouble, right? So just set up a separate bank account, put whatever money you say, I'm comfortable with this money, I'm going to gamble with this money, put in that bank account, and then you have a ledger that shows the money that went in and the money you lost, the money you won, and don't do anything but gambling in that bank account.   Keith Weinhold  38:18   Hey, that separate account's a great way to hide it from your spouse, not that I'm suggesting.   Tom Wheelwright  38:25   Well, interesting. You went there.   Keith Weinhold  38:29   I'm not a gambler at all. Can't even believe I was thinking that far ahead. What are the gambling tax rates like? They're ordinary   Tom Wheelwright  38:35   income tax rates. So gambling winnings are just ordinary income they're they're the same as your wages. They don't have social security taxes their income, just like any other kind of income, nothing special, okay?   Keith Weinhold  38:47   And this all applies to whether it's sports gambling or general gambling, like lotteries and sweepstakes.    Tom Wheelwright  38:53   Just remember, all incomes taxable unless the government says it isn't all income, okay? And then there's some types of income that are taxed at special rates, like capital gains, but gambling has no special rate, so it's just your ordinary income rates.   Keith Weinhold  39:09   Gosh, to me, it seems like it's, it's hard to break even with gambling over time, and then when you take the tax adjusted earnings that you get from it, you know, over the long term, you know, I just don't think Harris and Bally's Casino is really incentivized to inform gamblers on how punitive this can be with ordinary income tax rates applied to gambling winnings.   Tom Wheelwright  39:30   No, but they will send you your 1090, 9g I guarantee that.   Keith Weinhold  39:34    So can you imagine tracking all that and then paying all that in tax, and this is even if you're on the winning side and then keeping a separate bank account as well. And note that Tom and I were talking federal. There. It gets even worse. Some state laws are punishing, like New York, which has a 51% tax rate on mobile sports wagering bank. Up 28% since states have legalized this and credit scores have dropped now, California and Texas are the two big states, and they still haven't legalized sports gambling. They're the two big ones, and when they do, that's when you'll see more bankruptcy and more people, especially young men in financial ruin. I mean gamblers, Anonymous meetings are filled with people hooked on betting and on stock options trading too, and you know, Worse still, among addiction disorders, gambling has a comparatively high suicide attempt rate. And you know, understand that, while both involve risk, investing in gambling are two different things. When you invest, you're purchasing a stake in an asset that has value in an effort to generate profit. But gambling doesn't involve taking ownership of anything with value. Instead, betters are predicting the outcome of an event. Now, I gambled as a teen on sports, and back then, it was just a friend and I, we would each lay a $20 bill on top of the television at the start of like a Mets versus Phillies baseball game, and then it sure made the game more interesting to watch. There wasn't any sort of app to make it easy, suck me in and make it a recurrent practice. I haven't gambled since. Now that you're aware of the gravity of the problem, the best thing you can do for yourself is to delete those apps off your phone. Because look, I mean every gambler that had their lies flipped over and turned catastrophic at one time, they told themselves, you know, I'm doing this, but it's under control. I mean, everybody once said that the best thing you can do is delete FanDuel DraftKings and any other apps like that off of your phone right now and vow to never do it again. I hope you like that. You know, it's sort of interesting and introspective to me that I would produce a piece of media like this because I am a sports fan. I watched more of the NFL this past season than I have in a while. You know, I'm in a phase of my life, or I'm a pretty productive person, doing research and interviewing guests and producing GRE media. But you know, I justified watching more sports lately because there's room for an entertainment bucket in everyone's life. That's how I feel. And you know, I don't really watch movies. Most movies I watch feel like a waste of my time when I'm done after two hours, because I'm usually disappointed in it. If I ever watch movies, I gotta watch movies on the plane, because even if it was lousy, I got somewhere in the process. So in any case, now, if gambling is controlled, well, then it might be debatable about whether or not it's a vice, like, say you go to Vegas and have your $250 spending limit or whatever.    But just remember, every gambling degenerate once told themselves and everybody that they know that they've got it under control, but yeah, often they didn't around here, we champion owning real estate directly yourself, that is something that is in your control. So we're not talking about REITs, Real Estate Investment Trusts. That's just a publicly owned company and a group of them. It's not real estate tokenization. That means owning digital fractional shares of a property or a real estate investment. I mean direct whole ownership also means it's not a syndication now that might be worth doing, though, that means that you're pooling other investors money. It's not direct whole investing. If you are investing in someone else's syndication, meaning that you're a limited partner and direct real estate investing, it means not being a flipper or a wholesaler. Again, those things might be worth doing, but they're really time consuming, and they're not tax advantaged either. But when you own rental real estate directly yourself, you don't even need to be a landlord. If you choose not to you, then will not be that point of contact for your tenants when others manage it. And yes, because of the five ways that you're paid, you can make the case that real estate has hegemony over other assets, and for the demographic reasons and the inflationary reasons, like the ones that I told you about earlier today, real estate appears poised to continue as the. Hegemon. In fact, recently, so many global hedge funds have dumped every stock that they have, except for the real estate stocks. I shared that article with you in our newsletter recently. That's largely a tariff response. Let me tell you about real properties on GRE marketplace right now that are ripe for owning directly. I mean direct ownership. That's also the easiest to understand. You are paid rent by a tenant that lives there, often through your property manager, and unlike the out of control sports gambler, this is very much in your control. A brand new build single family rental in Columbiana, Alabama, that's just south of Birmingham. Rent is $1,925 the price is $269,900 over 1600 square feet, four, bed, two bath. Now with the new build, expect low maintenance costs. Is currently vacant, get an interest rate of six and three quarters percent with a 25% down payment on this new build, single family rental in Alabama. Then another sample here. This is interesting. The rent on this old build Davenport Iowa duplex is $1,900 which is about the same rent as the Alabama single family rental I just described. But yet the price for this Davenport duplex is just $183,000 Davenport is part of America's Quad Cities with a combined population of about half a million with both duplex sides. It's a combined square footage of almost 2700 square feet, five, bed, two, bath. They're on Brown Street in Davenport, and now, as favorable as those $1,900 combined duplex rents are, since this property is vintage, in fact, it's over 100 years old, you better check closely on the renovations that were made to the property and have plenty set aside for any maintenance and repairs as well, with a 25% down payment, expect an interest rate of just six and one quarter percent. And there are more financing details there. And of course, rates are always changing. The last one I'll mention is this new build, another duplex, this one in Inverness, Florida. This is really interesting too. And now, what do you think when you think of Florida, real estate? Does climate change come to mind? For some people, it does. For some it doesn't, maybe even rising sea levels over the long term. Well, Inverness, Florida is 15 to 20 miles inland, and it's 50 feet above sea level. How about high insurance rates? Does that come to mind with Florida? Well, they're not so high on new build properties, since they're built to today's stringent hurricane standards. Is Florida temporarily over built, even though the nation, in aggregate is under built? Yes, some Florida markets are overbuilt, and that's how you could potentially snag a deal and get this with 25% down, you can get an interest rate as low as four and three quarter percent, yes, and that's showing with zero buyer paid discount points, the combined rent from both sides of this new build Inverness duplex is estimated at $2,830 of course, often you need to estimate a rent range or make an estimate on the projected rent for new builds, because often they're not occupied yet, since they were just built, sales price of just a touch under 420k on the Inverness duplex, and as just one of the five ways you're paid the cash on cash return is projected at 5% yes, your return goes up into the positive cash flow zone when your mortgage rate is as low as four and three quarters percent. I mean, that is really attractive. It also comes with a year of free property management. So there you go, a new build single family rental in Alabama, an old duplex in Davenport, Iowa, and a new build duplex with just killer incentives in Inverness, Florida, and that's just the sampling of real estate pays five ways type of properties. We either help you get started or continue on your path to financial freedom and help you do that. With our completely free investment coaching, we work with you to help you with these properties or others like them or none at all, if it's not in your best interest to invest now at GRE marketplace.com All you need to do to get started from GRE marketplace.com is click on the coaching area and you can get on the calendar for a free strategy session until next week, I'm your host, Keith Weinhold, don't quit your Daydream.   Speaker 2  50:35   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, Chris,   Keith Weinhold  51:03   The preceding program was brought to you by your home for wealth, building, getricheducation.com  

Send us a textIn this month's episode, Beth, Brittany, and Stephanie deep-dive into their favorite and least favorite romance novel tropes. Then they sit down with Allie from the City of Davenport to discuss DavenportU Citizens Academy, a new opportunity for Davenport residents to learn more about their local government. Lastly, in honor of Black History Month, our hosts recommend their favorite books to read in celebration all February long.  Some upcoming programs:Adults: Makerspace - Open Hours - Monday, February 10th @ 5-7:45pm | MainTweens/Teens: Teen DIY: Puppy Chow - Friday, February 14th @ 3pm | Eastern Kids: Stuffed Animal Yoga - Friday, February 14th @ 1pm | Eastern To find out what books were mentioned in this episode, visit our Checked In LibGuide!Helpful links from our discussion:FRIENDS of The LibraryDavenportU Citizens AcademyShare your love and support for our library!Makerspace - Studio 321Library Links:Library Social Worker - Do you need help navigating government benefits, affordable housing, or unemployment? Are you wondering what resources are available for you and your family? The Library Social Worker can work with you to navigate these challenges.Calendar of Events - Learn more about the events discussed in this episode and about what is coming up at the Library!Library Catalog - Place holds on all of the books discussed today!Beanstack - Sign up to participate in our reading challenges!2025 Online Reading Challenge

Send us a textIn this month's episode, Beth, Brittany, and Stephanie ring in the New Year with cold weather reading recommendations, upcoming 2025 releases, and their 2025 reading goals!Some upcoming programs: Adults: Formal Wear Dropoff & Giveaway Tweens/Teens: Anime Takeover - Tuesday, January 28th @ 6pm | Eastern Kids: Read to a Dog | Fairmount & Eastern  To find out what books were mentioned in this episode, visit our Checked In LibGuide!Helpful links from our discussion:The Library's Goodreads2025 Online Reading ChallengeLibrary Links:Library Social Worker - Do you need help navigating government benefits, affordable housing, or unemployment? Are you wondering what resources are available for you and your family? The Library Social Worker can work with you to navigate these challenges.Calendar of Events - Learn more about the events discussed in this episode and about what is coming up at the Library!Library Catalog - Place holds on all of the books discussed today!Beanstack - Sign up to participate in our reading challenges!

Ed M from Davenport Iowa is sharing his story at an unknown conference in June of 2003. Ed was a fairly popular circuit speaker in his time and has a pretty good sense of humor about it all. Event List: https://scast.us/event Support Sober Cast: https://sobercast.com/donate Email: sobercast@gmail.com Roundup, retreat, convention or workshop coming up? List the event on the Sober Cast website. Visit the link above and look for "Submit Your Event" in the blue box. Sober Cast has 2700+ episodes available, visit SoberCast.com to access all the episodes where you can easily find topics or specific speakers using tags or search. https://sobercast.com

Send us a textIn this month's episode, Beth, Brittany, and Stephanie talk about all the upcoming fun The Library will be having this Dinovember (or November, for those averse to dinosaurs). We learn about the Library Business Assistance service from the librarian who started it all; our New Employee Spotlight shines on the Facility Services department; and your hosts celebrate National Author's Day by sharing their to-go favorite writers!  Some upcoming programs:Adults: We are Still Here: A Story of Indigenous People - Thursday, Nov. 14th @ 6-8pm | FairmountTweens/Teens: QC Libraries' Teentober Red Carpet Awards - Thursday, Nov. 14th @ 6-8pm | Putnam Museum  Kids: Fossil Discoveries with the Augustana Fryxell Geology Museum - Monday, Nov. 18th @ 5-6pm | Eastern To find out what books were mentioned in this episode, visit our Checked In LibGuide!Helpful links from our discussion:Library Business AssistanceThe Library's Community Outreach Offerings 1000 Books Before KindergartenFree Government Phones For Iowa ResidentsLibrary Links:Library Social Worker - Do you need help navigating government benefits, affordable housing, or unemployment? Are you wondering what resources are available for you and your family? The Library Social Worker can work with you to navigate these challenges.Calendar of Events - Learn more about the events discussed in this episode and about what is coming up at the Library!Library Catalog - Place holds on all of the books discussed today!Beanstack - Sign up to participate in our reading challenges!

It's Take Over Tuesday where you the listener run the podcast.And this week's episode is featuring Eddy & Carl!  This weeks Take Over Tuesday features two guests from this past Saturdays 25 Hour Live Stream.  Eddy talks about the two AVA remotes we are raffeling off and the 10% Discount on Kaleidescape Equipment among other Home Theater fun.  Then Carl reports in from Davenport Iowa and tells us all about The Last Picture House and we talk about the state of Theater going today.  So much Fun!If you don't believe it…Push Play and Hear for yourself!

It's Take Over Tuesday where you the listener run the podcast.And this week's episode is featuring Eddy & Carl!  This weeks Take Over Tuesday features two guests from this past Saturdays 25 Hour Live Stream.  Eddy talks about the two AVA remotes we are raffeling off and the 10% Discount on Kaleidescape Equipment among other Home Theater fun.  Then Carl reports in from Davenport Iowa and tells us all about The Last Picture House and we talk about the state of Theater going today.  So much Fun!If you don't believe it…Push Play and Hear for yourself!

Ep 244 Miletich Fighting Systems  Championship Years - Jeremy Horn Pat Miletich, Matt Hughes, Jens Pulver and Tim Sylvia captured the UFC championship belts while all working out at the Miletich Fighting System in Davenport Iowa. Jeremy Horn was the architect and master planner behind the work that went into this incredible moment in mixed martial arts. Jeremy Horn and the MMA set Mike Davis discuss this historic championship run while also examining the science that went into each fight. Ep 244 Miletich Fighting Systems  Championship Years - Jeremy Horn 0:00 Lytes out intro0:19 guest introduction0:57 interview start 0:59 making the switch to Miletich fighting systems 2:14 reason for the move to MFS 4:33 deciding to make fighting a career 7:49 Matt Hughes and Pat Miletich friendship 9:34 realizing Miletich fighting systems was special 11:33 cornering Pat Miletich at UFC 16 14:53 Jeremy Horn vs Frank Shamrock 22:53 giving Vitor Belfort a pep talk. 23:11 payment issues with the IFC24:34 training in Montreal25:42 cornering Mark Coleman 29:59 Amaury Bitetti training Pat Miletech32:49 Jens Pulver early days at MFS35:57 Robbie Lawler at MFS38:05 Carlos Newton vs Pat Miletich 40:00 Matt Hughes vs Dennis Hallman 41:45 handling a loss 42:42 Jens Pulver winning lightweight title 43:28 Manager Monte Cox 47:42 Jens Pulver vs BJ Penn 48:31 Carlos Newton vs Matt Hughes 49:26 Matt Hughes vs Hayato Sakurai 50:50 UFC not wanting Pat Miletich 51:59 Robbie Lawler vs Aaron Riley 52:25 Matt Hughes vs Carlos Newton “rematch” 53:19 Matchmaker Joe Silva 54:12 Tim Sylvia vs Ricco Rodriguez 55:18 Matt Hughes vs Sean Sherk56:34 first thoughts on Tim Sylvia 59:27 Matt Hughes vs BJ Penn 1:01:27 Frank Mir vs Tim Sylvia “arm break” 1:03:32 Tim Sylvia cut from the UFC 1:04:11 Andre Arlovski 1:05:04 MFS winning multiple titles 1:06:01 Tim Sylvia vs Fedor Emelianenko 1:07:22 experience with Don Frye 1:08:47 Rulon Gardner 1:09:43 BJ Penn callout rumor 1:09:56 choking out Promoter Chad Mason 1:10:37 thoughts on Miletich fighting systems era 1:15:09 reason for never reffing fights 1:15:48 realizing it was time to leave Iowa 1:18:39 50 fight club members 1:21:08 fighters not being able to move on after career 1:22:17 interview wrap up 1:22:41 outro/ final thoughts Subscribe to the Lytes Out Podcast:https://www.youtube.com/@LytesOutClipsSocials: Facebook -https://www.facebook.com/groups/1027449255187255/?mibextid=oMANbwInstagram - https://www.instagram.com/lytesoutpodcast/iTunes - https://podcasts.apple.com/us/podcast/lytes-out-podcast/id1568575809 Spotify - https://open.spotify.com/show/3q8KsfqrSQSjkdPLkdtNWb Mike - The MMA Detective - @mikedavis632 Cash App - $mikedavis1231Venmo - Mike-Davis-63ZELLE: Cutthroatmma@gmail.com / ph#: 773-491-5052 Follow the #LOP team on Instagram: Chris - Founder/Owner - @chrislightsoutlytle Mike - MMA Detective - @mikedavis632 Joey - Assistant - @aj_ventitreTyson - Producer - @ty.green.weldingAndrew - Timestamps - @ambidexstressAndy - Social Media Manager - @martial_mindset_Outro song: Power - https://tunetank.com/t/2gji/1458-power#miletichfightingsystems #jenspulver#timsylvia#patmiletich#matthughes#MMA #UFC #NHB #LytesOutPodcast #LytesOut #MixedMartialArts #ChrisLytle #MMADetective #MikeDavis #MMAHistory #OldSchoolMMA #FiftyFightClub #MMAPodcast #FighSupport the show

Send us a textIn this month's episode, Beth, Brittany, and Stephanie interview, interview, interview! Sydney from Family Resources sits down with our librarians to offer information on Domestic Violence Month; Christina and Jess from the Putnam chat about the museum's collections; and Davenport Fire Department's Lt. Zach Soliz shares tips and tricks to prevent fires.   Some upcoming programs:Adults: Quad Cities Archives Fair - Saturday, Oct. 26th @ 1pm | Credit Island Lodge Tweens/Teens: QC Libraries' Teentober Contests - All October | Teentober Contest Entry Form Kids: Bilingual Stories @ Main - Friday, Oct. 18th @ 10am | Main To find out what books were mentioned in this episode, visit our Checked In LibGuide!Helpful links from our discussion:Family ResourcesCommunity Experience PassesPutnam MuseumSimply HeldSafe Families for Children (SFFC) Quad CitiesTechKnow LibraryLibrary Links:Library Social Worker - Do you need help navigating government benefits, affordable housing, or unemployment? Are you wondering what resources are available for you and your family? The Library Social Worker can work with you to navigate these challenges.Calendar of Events - Learn more about the events discussed in this episode and about what is coming up at the Library!Library Catalog - Place holds on all of the books discussed today!Beanstack - Sign up to participate in our reading challenges!

This week we are sitting down with chiropractor and wrestler, Landon Hale. We talk about getting into both wrestling and chiropracty and how those intersect, his breakout year, and, of all things, Davenport Iowa. He can be found on: Twitter: @Hale_Yeah Instagram: @LandonHale3 Pro Wrestling Tees: Official Merchandise Page of Landon Hale (prowrestlingtees.com) If you liked what you've heard, be sure to like, subscribe, and leave a review where able. We're on social media on Facebook: www.facebook.com/mlwconfusion Twitter & Instagram: @thenovaofcass. All the other links can be found at www.linktr.ee/mlwconfusion. If you'd like to assist monetarily, there's a tip jar at www.ko-fi.com/cassonova. For more bang for your buck, check out www.patreon.com/cassonova. For as little as $1, you can get the podcast two days early and ad free. You also get weekly exclusives and early access while helping upgrade the equipment. So be like Keith Winn, Alexander McCarthy, Alainya, and Alan Schroeder and check it out! For all your MLW Con-Fusion t-shirts, visit https://my-store-ca01da-2.creator-spring.com  Also, for all your energy drink and workout needs, head to www.reppsports.com and when you checkout, use my coupon code "CASS" at checkout and earn 15% off your order. Oh! And I'm on Cameo now at https://www.cameo.com/thenovaofcass Affiliate Links: Gevi: gevi.pxf.io/AWJxbx WWE Shop: wwe-shop.sjv.io/oq25Rn Prince Nana Coffee: https://princenanacoffee.com/?ref=ROBKAMERER MLW Con-Fusion is part of the Urban Wrestling Network. You can watch their show on YouTube at Urban Wrestling Network - YouTube and you can follow them on the Twitter @UrbanWrestleNW For business inquiries, send all messages to rzkamerer[at]comcast.net.

Send us a textIn this months episode, Beth, Brittany, and Stephanie interview our newest Information Services librarian and the Midwest Writing Center's Sarah Elgatian about their upcoming Banned Book Read-In on September 24th. Banned Books Week will occur at the end of September, so tune in to hear our librarians discuss the top challenged books of 2023.  Some upcoming programs:Adults: Voter Registration - Tuesday, Sept. 17th | All 3 Branches Tweens/Teens: Fantasy Maps - Monday, Sept. 16th @ 1pm | Main Kids: Dog Man Party - Sept. 21st @ 2pm | Eastern Additional events:Banned Books Read-InTuesday, Sept. 24, 2024 @ 5:30-7:30pmWatts-Midtown Community Room at the Watts-Midtown Branch of the Rock Island LibraryTo find out what books were mentioned in this episode, visit our Checked In LibGuide!Helpful links from our discussion:Video Games LibGuide - The Library's Video Game collection guideMango LanguagesLinkedIn LearningALA's Banned Book Week - 2024 theme is "Freed Between the Lines"Threadless Store - Buy custom designed Library MerchLULAC - Council 10, Davenport, IowaLibrary Links:Library Social Worker - Do you need help navigating government benefits, affordable housing, or unemployment? Are you wondering what resources are available for you and your family? The Library Social Worker can work with you to navigate these challenges.Calendar of Events - Learn more about the events discussed in this episode and about what is coming up at the Library!Library Catalog - Place holds on all of the books discussed today!Beanstack - Sign up to participate in our reading challenges!

In this month's episode, Beth, Stephanie, and Brittany join the excitement surrounding the newly released Inside Out 2 movie. They assign all of the different emotions to book titles: Joy, disgust, eenui- you name it. They've got a book for all the emotions, good and bad! Some upcoming programs:Adults: Vander Veer Follow Your Roots: A Walk through the Park - Aug. 10th @ 11-1pm | Vander Veer ParkTweens/Teens: Magic the Gathering - Aug. 8th & 22nd @ 3-4pm | FairmountKids: Back to School Concert - Aug. 24th @ 2-3pm | FairmountTo find out what books were mentioned in this episode, visit our Checked In LibGuide!Helpful links from our discussion:Gilda's Club (Cancer Support Community Iowa & NW Illinois)Value Line databaseFRIENDS of The LibraryLibrary Links:Library Social Worker - Do you need help navigating government benefits, affordable housing, or unemployment? Are you wondering what resources are available for you and your family? The Library Social Worker can work with you to navigate these challenges.Calendar of Events - Learn more about the events discussed in this episode and about what is coming up at the Library!Library Catalog - Place holds on all of the books discussed today!Beanstack - Sign up to participate in our Summer Reading Challenge!

The College Football Experience (@TCEonSGPN) on the Sports Gambling Podcast Network continues its 134 college football team preview series with the Iowa State Cyclones 2024 Season Preview. Pick Dundee aka (@TheColbyD) & CJ Sullivan (@CJSullivan_) break down the upcoming Iowa State Cyclones offense, defense and special teams and key in on the 2024 football schedule. Can Matt Campbell get the Iowa State Cyclones back to the Big 12 Championship game? Was last season the best coaching job Matt Campbell has ever done? What should the expectations be in 2024 in a Big 12 Conference without Texas & Oklahoma?What should we expect of Rocco Becht in year two as the Iowa State Cyclones starting QB? Is Abu Sama III about to be the next great Iowa State running back? How does the Iowa State Cyclones receiver room look with Jayden Higgins and Jaylin Noel? Do the Cyclones have great tight ends in Steve Klotz and Benjamin Brahmer? Does returning 4 of 5 starters on the offensive line mean Iowa State should be a force in the Big 12 in 2024?Will the Cyclones defensive line be elite with Joey Petersen and Tyler Onyedim coming back? Is Jack Sadowsky and Will McLaughlin be apart of the best linebacking core in the Big 12 in 2024? How does the Cyclones secondary look with Jontez Williams, Myles Purchase, Beau Freyler, Jeremiah Cooper and Malik Verdon? What should the expectations be for Iowa State in 2024 and do they have a legit shot at winning the Big 12? We talk it all and more on this Iowa State Cyclones edition of The College Football Experience. JOIN the SGPN community #DegensOnlyExclusive Merch, Contests and Bonus Episodes ONLY on Patreon - https://sg.pn/patreonDiscuss with fellow degens on Discord - https://sg.pn/discordDownload The Free SGPN App - https://sgpn.appCheck out the Sports Gambling Podcast on YouTube - https://sg.pn/YouTubeCheck out our website - http://sportsgamblingpodcast.comSUPPORT us by supporting our partnersCirca Sports - 16 MILLION in guaranteed prizes w/ Circa Survivor & Circa Millions - https://www.circasports.com/circa-sports-millionFootball Contest Proxy - Use promo code SGP to save $50 at - https://www.footballcontestproxy.com/Rithmm - Player Props and Picks - Free 7 day trial! http://sportsgamblingpodcast.com/rithmmUnderdog Fantasy code SGPN - Up to $250 in BONUS CASH - https://play.underdogfantasy.com/p-sgpnGametime code SGPN - Download the Gametime app, create an account, and use code SGPN for $20 off your first purchase - https://gametime.co/ADVERTISE with SGPNInterested in advertising? Contact sales@sgpn.io Follow The College Experience & SGPN On Social MediaTwitter - https://twitter.com/TCEonSGPNInstagram - http://www.instagram.com/TCEonSGPNTikTok - https://www.tiktok.com/@TCEonSGPNYoutube - https://www.youtube.com/@TheCollegeExperienceFollow The Hosts On Social MediaColby Dant - http://www.twitter.com/thecolbydPatty C - https://twitter.com/PattyC831NC Nick - https://twitter.com/NC__NicK

The College Football Experience (@TCEonSGPN) on the Sports Gambling Podcast Network continues its 134 college football team preview series with the Iowa Hawkeyes 2024 Season Preview. Pick Dundee aka (@TheColbyD) & Patty C (@PattyC831) break down the upcoming Hawkeyes offense, defense and every game on the 2024 Iowa schedule. Did getting rid of the Big Ten West mean Iowa will never contend for a Big Ten Championship? Will Kirk Ferentz have another double digit win season in 2024 and perhaps host a playoff game?Will it be Cade McNamara or Brendan Sullivan at QB this fall and will Tim Lester and the Hawkeyes light up the scoreboard in 2024? Is Leshon Williams one of the best running backs within the Big Ten? Can the wideouts play a big role in 2024 with the likes of Kaleb Brown and Seth Anderson? Does Iowa have the best tight end room in the nation with Luke Lachey and Addison Ostrenga? Does returning the entire Iowa Hawkeyes offensive line mean the offense should take a big step forward this season?Will Phil Parker have this Iowa Hawkeyes defense as perhaps the best one of the entire Ferentz era? Will the defensive line be loaded with the likes of Deontae Craig, Yahya Black, Aaron Graves and Ethan Hurkett? Will the linebacking core be super elite with Jay Higgins, Nick Jackson and Sebastian Castro all coming back? Who will step up and replace Cooper DeJean? Will John Nestor and Deshaun Lee be the next great corner to pair with Jermari Harris? Is Xavier Nwankpa and Quinn Schulte the perfect safeties for this Phil Parker defense? Does Iowa have a legit shot to win the Big Ten in 2024? We talk it all and more on this Iowa Hawkeyes edition of The College Football Experience. JOIN the SGPN community #DegensOnlyExclusive Merch, Contests and Bonus Episodes ONLY on Patreon - https://sg.pn/patreonDiscuss with fellow degens on Discord - https://sg.pn/discordDownload The Free SGPN App - https://sgpn.appCheck out the Sports Gambling Podcast on YouTube - https://sg.pn/YouTubeCheck out our website - http://sportsgamblingpodcast.comSUPPORT us by supporting our partnersCirca Sports - 16 MILLION in guaranteed prizes w/ Circa Survivor & Circa Millions - https://www.circasports.com/circa-sports-millionFootball Contest Proxy - Use promo code SGP to save $50 at - https://www.footballcontestproxy.com/Rithmm - Player Props and Picks - Free 7 day trial! http://sportsgamblingpodcast.com/rithmmUnderdog Fantasy code SGPN - Up to $250 in BONUS CASH - https://play.underdogfantasy.com/p-sgpnGametime code SGPN - Download the Gametime app, create an account, and use code SGPN for $20 off your first purchase - https://gametime.co/ADVERTISE with SGPNInterested in advertising? Contact sales@sgpn.io Follow The College Experience & SGPN On Social MediaTwitter - https://twitter.com/TCEonSGPNInstagram - http://www.instagram.com/TCEonSGPNTikTok - https://www.tiktok.com/@TCEonSGPNYoutube - https://www.youtube.com/@TheCollegeExperienceFollow The Hosts On Social MediaColby Dant - http://www.twitter.com/thecolbydPatty C - https://twitter.com/PattyC831NC Nick - https://twitter.com/NC__NicK

Happy Pride Month! In this month's episode, Brittany, Michelle, and Stephanie talk LGBTQ+ books to get into this June, as well as all of the Summer Reading Challenge fun that The Library has prepared for June, July, and August. They also sat down with returning guest, Sarah Elgatian, from the Midwest Writing Center to discuss the David R. Collins Writers' Conference coming up on June 27th-29th at Augustana College.  Some upcoming programs:Adults:  Composting Workshop - June 10th @ 6-7pm | MainTweens/Teens: Teen Cringe Bingo - June 11th @ 5-6pm | Fairmount Kids: Touch-a-Truck - June 22nd @ 10:30am-12pm | Eastern   To find out what books were mentioned in this episode, visit our Checked In LibGuide!Helpful links from our discussion: Summer Reading Challenge Midwest Writing CenterDavid R. Collins Writers' Conference Reading Recommendations Library Links:Library Social Worker - Do you need help navigating government benefits, affordable housing, or unemployment? Are you wondering what resources are available for you and your family? The Library Social Worker can work with you to navigate these challenges.Calendar of Events - Learn more about the events discussed in this episode and about what is coming up at the Library!Library Catalog - Place holds on all of the books discussed today! Beanstack - Sign up to participate in our Summer Reading Challenge!

Join Brittany and Claire for a bonus episode with ALA President Emily Drabinski! They talk all things libraries and what to look forward to at the 2024 ALA AnnualConference & Exhibition coming up on June 27 – July 2, 2024 in San Diego. For more information about Checked In: A Davenport Library Podcast, visit our LibGuide!

In this month's episode, Stephanie, Michelle, and Brittany prepare listeners for Asian American Heritage Month and Older Americans Month--both of which occur in May. They chat with guests Claire and Joe about Free Comic Book Day, which The Library is celebrating on Saturday, May 4th! They also sat down with our Technical Services supervisor, Merideth, to talk about their shared love of cozy mysteries. Enjoy!  Some upcoming programs: Adults: The Journey to Mental Health - May 9th @ 6:30-8pm | FairmountTeens/Tweens: May the 4th Star Wars Celebration / Free Comic Book Day - May 4th @ 9:30-1pm | Eastern Kids: OWLT & About - May 11th @ 8-1pm | Freight House Farmers' Market To find out what books were mentioned in this episode, visit our Checked In LibGuide! Helpful links from our discussion:Seniors Farmers Market Nutrition ProgramReading Challenge: Asian American and Pacific Islander Heritage Month The Library's Learning & Literacy CollectionMuseum Passes (Community Experience Passes) at The Library  Library Links: Library Social Worker - Do you need help navigating government benefits, affordable housing, or unemployment? Are you wondering what resources are available for you and your family? The Library Social Worker can work with you to navigate these challenges.Calendar of Events - Learn more about the events discussed in this episode and about what is coming up at the Library!Library Catalog - Place holds on all of the books discussed today! 

In this month's episode, Brittany, Michelle, and Stephanie sat down with the Davenport Public Library director, Jeff Collins, and Board of Trustees President, Steve Imming, to discuss all the recent changes and achievements our library has made in the last year. The also spoke with Aubrey from Family Resources about Sexual Assault Awareness Month and the different support services offered at Family Resources. And as always, they talk books, books, and more books.Some upcoming programs:Adults: Plant Swap - April 20th @ 2-4pm | Eastern Teens/Tweens: Teen DIY: Disco Ball Painting - April, 20th @ 1-3pm | EasternKids: Kits Every Saturday - While Supplies Last! | All Locations To find out what books were mentioned in this episode, visit our Checked In LibGuide! Helpful links from our discussion:Amani Community Resources - A Domestic Violence and Sexual Assault Agency providing innovative culturally specific services to African Americans throughout the State of Iowa. Family Resources - Social Services organization for survivors of domestic abuse, sexual abuse, human trafficking, homicide, and other violent crimes.Seed Library - Open at our Main library, March - September 2024 Goodreads - Follow us on Goodreads! Library Links:The FRIENDS of the Davenport Public LibrarySimply Held - Choose any author, celebrity pick, fiction pick, and/or nonfiction pick and The Library will put the latest title on hold for you automatically!Library Social Worker - Do you need help navigating government benefits, affordable housing, or unemployment? Are you wondering what resources are available for you and your family? The Library Social Worker can work with you to navigate these challenges.Calendar of Events - Learn more about the events discussed in this episode and about what is coming up at the Library!Library Catalog - Place holds on all of the books discussed today!

In this month's episode, Stephanie and Michelle are joined by Family Resource's Iowa Domestic Abuse Advocate, Sydney, as well as our own social worker Quinn, to discuss resources for young people facing violence in their relationships. Our librarians also discuss dragon books (for all the Fourth Wing fans!), and interview one of our Special Collections Librarians about outstanding women in Davenport history. Some upcoming programs:Adults: Publishing Workshop Series with the Midwest Writing Center - March 6th @ 6-7:30pm | FairmountTweens: Tween Pop Tasting Challenge - March 11th @ 1-2pm | MainKids: National Puppy Day Storytime & Craft - March 23rd @ 10-11am | FairmountHelpful links from our discussion:Richardson-Sloane Special Collections - Sign up for weekly blog posts from Special Collections and learn more about local Davenport historyFamily Resources  Library Links:Library Social Worker - Do you need help navigating government benefits, affordable housing, or unemployment? Are you wondering what resources are available for you and your family? The Library Social Worker can work with you to navigate these challenges.Calendar of Events - Learn more about the events discussed in this episode and about what is coming up at the Library!Library Catalog - Place holds on all of the books discussed today!To find out what books were mentioned in this episode, visit our Checked In LibGuide! 

This week, in Davenport, Iowa, an unhappy woman disappears, without a trace, but it's impossible to tell if she just ran off, or if something terrible has happened to her. When part of a torso, that has been cut up with a chainsaw is found in the river, cops think it's her, but also spread conspiracy theories. Will they be able to convict anyone, with no physical evidence? When we do find out what happened, it involves a murder weapon that we haven't come across yet!Along the way, we find out that chiropractors can be scary, that cops shouldn't randomly float conspiracy theories in the local newspaper, and that someone may very well be playing a game, with a murder weapon!!Hosted by James Pietragallo and Jimmie WhismanNew episodes every Thursday!Donate at: patreon.com/crimeinsports or go to paypal.com and use our email: crimeinsports@gmail.comGo to shutupandgivememurder.com for all things Small Town Murder & Crime In Sports!Follow us on...twitter.com/@murdersmallfacebook.com/smalltownpodinstagram.com/smalltownmurderAlso, check out James & Jimmie's other show, Crime In Sports! On Apple Podcasts, Spotify, Amazon Music, Wondery, Wondery+, Stitcher, or wherever you listen to podcasts!See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

"We had all of us in that night. We were at the call board and our stage manager is divvying up to us… you're gonna wear this CAT costume… So there were three Grizabellas on stage that night." This episode features Michelle E. Carter who played Jennyanydots on the US National Tours 6 of CATS. Hear Michelle discuss how the 2019 CATS movie was her very first introduction into the show, how she had different stories for her character depending on who else was on stage with her, and how she infamously nicknamed her cat Sweatyanydots. Plus, Michelle shares a full recap of the CATS Chorus in Davenport Iowa that was hinted at in previous episodes. Check out Michelle on Social Media: @idtapthat03 Produced by: Alan Seales & Broadway Podcast Network Social Media: @TheWrongCatDied Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode, Brittany, Michelle, and Stephanie chat with social worker Aaron Shivers from Oak Street Health and talk about Groundhog Day Books! Some upcoming programs:Davenport Black Voices: A Worthy Story –  February 22nd @ 6 – 7pm | FairmountTeen DIY: Faux Neon Sign – February 17th @ 11 – 12pm | MainPalentine's Party – February 13th @ 4 – 5pm | FairmountHelpful links from our discussion:Oak St. Health (Davenport, IA) KanopyQC BeatsBlack History Month Reading ChallengeLibrary Links:Simply Held - Choose any author, celebrity pick, fiction pick, and/or nonfiction pick and The Library will put the latest title on hold for you automatically! Select as many as you want. Questions? Give us a call: (563) 326-7832  Library Social Worker - Do you need help navigating government benefits, affordable housing, or unemployment? Are you wondering what resources are available for you and your family? The Library Social Worker can work with you to navigate these challenges.Calendar of Events - Learn more about the events discussed in this episode and about what is coming up at the Library!Library Catalog - Place holds on all of the books discussed today!To find out what books were mentioned in this episode, visit our Checked In Libguide! 

In their final episode of 2023, Michelle, Stephanie, and Brittany air their reading grievances in celebration of Festivus– the book edition! They also discuss short books to read for those hurrying to meet their 2023 reading goals, cold weather novels, and upcoming December programs.    Some upcoming programs: "Llama Llama Pajama Party" – December 16th @ 2pm | Eastern "Formal Wear Dropoff" – Dec. 22nd & Dec. 30th @ 9am – 5:30pm | Eastern | Fairmount"Teen Snack Around the World" – Dec. 30th @ 3:30pm | Fairmount Helpful links from our discussion: Enhanced Children's Areas Online Reading Challenge - 2024 Sneak PeakLibrary Links:Library Social Worker - Do you need help navigating government benefits, affordable housing, or unemployment? Are you wondering what resources are available for you and your family? The Library Social Worker can work with you to navigate these challenges.Calendar of Events - Learn more about the events discussed in this episode and about what is coming up at the Library!Library Catalog - Place holds on all of the books discussed today!To find out what books were mentioned in this episode, visit our Checked In Libguide! 

In this episode, Stephanie and Brittany discuss the Native American Heritage Month Reading Challenge, the prizes participants can win, and the books by Indigenous authors available for all ages! The library is also coordinating a Coats and Hygiene Drive with Kinna's House of Love, a Quad Cities based organization working to support and promote awareness of women and children affected by abuse. Drop off items at Kinna's House of Love anytime before November 20th. These items will be distributed to those in need at the Winter Wellness Event at the Main library on December 4th. Check out our calendar of events to see what else is going on at the library this month! Some upcoming programs include:"We Are Still Here - An Indigenous Journey" - Nov. 9th @ 6:30pm - Fairmount "QC Libraries Teentober Red Carpet Awards Event" - Nov. 14th @ 6:00pm - Putnam Museum"Kids Thanksgiving Holiday Kit" - Nov. 20th @ 10:00am - Virtual "Pottery with Miss Carolyn" - Nov. 30th @ 6:00pm - Off SiteSome helpful links from our discussion:Native American Heritage Month Reading Challenge Indigenous Peoples' Information & ResourcesKinna's House of Love Library Links:Library Social Worker - Do you need help navigating government benefits, affordable housing, or unemployment? Or, as a parent, you may be wondering what resources are available for you and your family. The Library Social Worker can work with you to navigate these challenges.Calendar of Events - Learn more about the events discussed in this episode and about what is coming up at the Library!Library Catalog - Place holds on all of the books discussed today!To find out what books were mentioned in this episode, visit our Checked In Libguide!

In this episode, Stephanie, Michelle, and Brittany talk banned books with our coworker, Beth. In preparation for fall, they give a run-down of all the cozy mysteries and witchy books you could possibly want. They also discussed Hispanic Heritage Month and what the library has to offer in October! Some helpful links from our discussion: ALA Top 13 Most Challenged Books of 2022Teentober Contests Hispanic Heritage Month Reading ChallengeLibrary Links:Library Social Worker - Do you need help navigating government benefits, affordable housing, or unemployment? Or, as a parent, you may be wondering what resources are available for you and your family. The Library Social Worker can work with you to navigate these challenges. Calendar of Events - Learn more about the events discussed in this episode and about what is coming up in the Library!Library Catalog - Place holds on all of the books discussed today!To find out what books were mentioned in this episode, visit our Checked In Libguide!

A new witness, a trial, and a startling revelation. After a new witness came forward, investigators had direct evidence linking Henry Dinkins to the scene where Breasia Terrells's body had been found. Henry Dinkins was arrested and charged with Kidnapping in the First Degree and First Degree Murder. And when it came time for trial, Breasia's brother, D made a startling revelation on the stand. Today's episode is sponsored by: Miracle Made Upgrade your sleep with Miracle Made! Claim your FREE 3 PIECE TOWEL SET and SAVE over 40% by going to https://www.tryMiracle.com/least Use promo code LEAST at checkout! Least of These on Facebook: https://m.facebook.com/leastofthesepodcast/ Least of These Discussion Group: https://m.facebook.com/groups/288046119723080/?ref=pages_profile_groups_tab&paipv=1 Least of These on Instagram:  www.instagram.com/least_ofthese/ Support the show and get your episodes ad free at: https://www.patreon.com/leastofthesepodcast Learn more about your ad choices. Visit megaphone.fm/adchoices

Three fishermen, a flood, and a new story. As the investigation into Breasia Terrell's disappearance continued, all eyes were on Henry Dinkins. Suspicions were raised further after a cellphone ping placed Dinkins roughly 37 miles away from the apartment in Clinton County, Iowa I'm the early morning hours after the 10-year-old girl vanished. And when his longtime girlfriend, Andrea Culberson changed her story, investigators were certain they were on the right track. Today's episode is sponsored by: Beam Get Beam's best-selling Dream Powder, and save up to 40% for a limited time when you go to https://shopbeam.com/least  Use code LEAST at checkout.  Green Chef: The #1 Meal Kit for Eating Well Save 60% when you go to https://www.greenchef.com/60least  Use code 60least to get 60% off plus free shipping. Magic Spoon  Get $5 off your next bowl of high protein cereal by entering code LEAST at checkout at https://magicspoon.com/least Least of These on Facebook: https://m.facebook.com/leastofthesepodcast/ Least of These Discussion Group: https://m.facebook.com/groups/288046119723080/?ref=pages_profile_groups_tab&paipv=1 Least of These on Instagram: www.instagram.com/least_ofthese/ Learn more about your ad choices. Visit megaphone.fm/adchoices

A visit, an early morning fishing trip and a purple car. On July 9th 2020, ten-year-old Breasia Terrell went with her eight-year-old half brother to visit his biological father. The children played video games before drifting off to sleep at the home of Andrea Culberson and Henry Dinkins. But the following morning Breasia was gone, Henry and Andrea claimed they had woken up and the little girl had simply vanished but…Breasia's little brother told a different story. Today's show is sponsored by: Magic Spoon  Get $5 off your next bowl of high protein cereal by entering code LEAST at checkout at https://magicspoon.com/least Better Help Get a break from your thoughts with Better Help! Save 10% on your first month at https://www.betterhelp.com/get-started/?slug=least&utm_source=podcast&utm_campaign=2520&utm_term=least&promo_code=least&landing_page_img=https%3A%2F%2Fi.imgur.com%2FBpQ0mpu.png&aff_channel=podcast&discount_rate=10&discount_period=P1M&date_interval=P1M&percentage_off=10&amount=1&amount_spelled_out=one&unit=month&gor=start-go Upgrade your sleep with Miracle Made! Claim your FREE 3 PIECE TOWEL SET and SAVE over 40% by going to https://www.tryMiracle.com/least Use promo code LEAST at checkout! Least of These on Facebook: https://m.facebook.com/leastofthesepodcast/ Least of These Discussion Group: https://m.facebook.com/groups/288046119723080/?ref=pages_profile_groups_tab&paipv=1 Least of These on Instagram: www.instagram.com/least_ofthese/ Support the show and get your episodes ad free at: https://www.patreon.com/leastofthesepodcast Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode, Stephanie, Michelle, and Brittany take a deep dive into all things Romance! They also talk about Library Card Sign-Up Month, Voter Registration Month, Banned Books Week, and so much more!  Some helpful links from our discussion:Register to Vote! Iowa residents Illinois residentsNational Library Card Sign-Up Month - September is Library Card Sign-up Month! 16 local businesses are offering special perks this month for Davenport Public Library cardholders! Also, our friends at Lopiez Pizza have chosen the Library as their "artist of the month"! Stop by Lopiez and pick up this month's signature pizza, The Book Club, and 10% of the proceeds will go to the FRIENDS of the Davenport Public Library in order to support our programs and materials!Banned Books Reading - Rock Island Public Library, Oct. 5th at 5:30. Email Sarah Elgatian if you'd like to participate: sarah.elgatian@mwcqc.org  Top 13 Most Challenged Books of 2022Library Catalog - Place holds on all of the books discussed today!Calendar of Events - Learn more about the events discussed in this episode and about what is coming up in the Library! Books mentioned: Silver Lady by Mary Jo PutneyOut of Nowhere by Sandra BrownSanta and Company by Fern MichaelsDarius (The Black Dagger Brotherhood series) by J.R. WardThe Ghost Illusion by Kat MartinThe Twelve Dogs of Christmas by Susan WiggsA Christmas Blessing by Beverly JenkinsHoney and Spice by Bolu BabalolaSomething Wild & Wonderful by Anita KellyPartners in Crime by Alisha Rai Astrid Parker Doesn't Fail by Ashley Herring Blake Will They or Won't They by Ava WilderThe Fiancée Farce by Alexandria BellefleurRed, White & Royal Blue by Casey McQuistonLike Water for Chocolate by Laura EsquivelThe Beach Trap by Ali BradyLove Your Life by Sophie KinsellaMust Love Books by Shauna RobinsonHeartburn by Nora EphronRomancing Mr. Bridgerton by Julia QuinnStone Blind by Natalie HaynesThe Man From The Train by Bill JamesLore Olympus by Rachel SmytheEverything is Fine by Mike BirchallVera Wong's Unsolicited Advice for Murderers by Jesse Q SutantoIt Won't Always Be Like This: A Graphic Memoir by Malaka GharibMessy Roots: A Graphic Memoir of a Wuhanese American by Laura GaoWhen Stars Are Scattered by Victoria JamiesonYou Lucky Dog by Julia LondonRez Dogs by Joseph BruchacCruel Seduction by Katee RobertThrowback by Maurene Goo

At an alarming rate, Kenny and his right hand man Robert Lacy just could not stay out of trouble while growing up! But after their parents had seen enough, both figured out a way to turn things around... with the help of the Badge. QUESTIONS OR COMMENTS EMAIL ME! kshedduncuffed@gmail.com twitter.com/kshedduncuffed Kenny Shedd: streams, merchandise, Personal Videos | MILLIONS millions.co/kenny-shedd-athletics

This week we listen to Elliott as he recaps his trip to Davenport Speedway in Davenport Iowa for the World of Outlaws Late Model Series Quad City 150. Duane also tells us about his trip to Butler Motor Speedway for the return of the All Stars and the huge crowd that showed up!

In this episode, Stephanie, Michelle, and Brittany interview Chad Dyson, Davenport Parks and Recreation Director, and Becca Niles, Community Outreach and Experience Manager, as well as local writer and St. Ambrose staff member, Caitlin Moran. They also chat with Kathryn, our Special Collections supervisor, and discuss what they've been reading this month!Some helpful links from our discussion:Summer Reading Program - Turn up the volume on your summer with the Library's Summer Reading Program: Find Your Voice! Everyone is invited to be get creative, try new things, and find beauty in diversity with the Library this summer. Read books, attend a program, or complete any of the fun activities from the reading log. Each thing you do earns a ticket into the grand-prize drawing(s) of your choice. Do a little or do it all! The way you Find Your Voice this summer is totally up to you!Library Catalog - Place holds on all of the books discussed today!Calendar of Events - Learn more about the events discussed in this episode and about what is coming up in the Library!Davenport Special CollectionsBooks mentioned:The Magicians by Lev GrossmanHijab Butch Blues by Lamya H.Infect Your Friends and Loved Ones by Torrey PetersVoice of the Fish by Lars HornEmma by Jane AustinDewey: The Small-Town Library Cat Who Touched the World by Vicki Myron & Bret Witter Good for You by Camille PaganThe Friend Zone by Abby JimenezHow to Eat Fried Worms by Thomas Rockwell The Secret, Book, & Scone Society by Ellery AdamsSomebody That I Used to Know by Dana L. DavisBluebird by Sharon Cameron

Date: June 2, 2023Topics:The bill to raise the debt ceiling has been passed through the House and Senate.A tape was revealed of former President Trump discussing classified documents in a meeting back in the summer of 2021.An apartment collapse in Davenport Iowa has left many in confusion, anger, and heartbreak.Spirit Airlines experience some major technical difficulties Thursday that delayed most of their flights for the day.Rapid and Good NewsThe 99-page debt ceiling bill can be found here.Follow Nick on Twitter here.Follow Chris on Twitter here.Follow BBP news on Twitter here.Read our news articles here.Join us on Clubhouse for episode livestreams and more here.

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In our news wrap Monday, officials say there are no known fatalities or people still trapped after an apartment building partially collapsed in Davenport, Iowa, warring factions in Sudan agreed to extend a cease-fire for another five days and Uganda's president signed one of the world's most restrictive anti-LGBTQ+ bills calling for life imprisonment for anyone convicted of homosexuality. PBS NewsHour is supported by - https://www.pbs.org/newshour/about/funders

Damir, Joe & Chris chat about the experience in Davenport Iowa for the HVLA Seminar & the next seminar plan for July in San Jose California. Chris asks Joe and Damir questions about what to expect as a person taking the course & how that will benefit individuals no matter where they are in the career of chiropractic.