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Keith breaks down where the U.S. housing market appears to be headed and which regions and states are quietly winning or losing in the population shuffle since 2020—and what that could mean for real estate investors.  You'll also hear about an intriguing cash-flow play in single-family rentals in select Southern markets. Then, Keith is joined by financial strategist and comedian Garrett Gunderson, who challenges the usual "scrimp and save" advice. Together, they explore how to build real wealth without sacrificing your life today, how high-net-worth individuals often get money wrong, and a different way to think about financial independence, freedom, and investing in yourself. Resources: Get Garrett Gunderson's Killing Sacred Cows audiobook free: DM @GarrettBGunderson on Instagram with the words "Keith Cows." Episode Page: GetRichEducation.com/595 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  For predictable 10-12% quarterly returns, visit FreedomFamilyInvestments.com/GRE or text  1-937-795-8989 to speak with a freedom coach Will you please leave a review for the show? I'd be grateful. Search "how to leave an Apple Podcasts review"  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— GREletter.com  Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Keith Weinhold  0:01   Keith, welcome to GRE. I'm your host. Keith Weinhold, is the future direction of the housing market trending up or trending down? Which states have seen the most population growth? Then powerful wealth mindset tactics with a financial comedian today on get rich education   Speaker 1  0:20   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 and 188 world nations. He has a list show guests and keep 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  1:04   the same place where I get my own mortgage loans is where you can get yours. Ridge lending group and MLS, 42056, they provided our listeners with more loans than anyone because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage. Start your prequel and even chat with President chailey Ridge personally. While it's on your mind, start at Ridge lending group.com that's Ridge lending group.com   Speaker 2  1:38   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  1:54   Welcome to GRE from Mount Rainier to Mount Rushmore and across 188 nations worldwide. I'm Keith Weinhold, and this is get rich education. I am not a Lambo driving influencer that will take any brand deal just to shill a gambling platform instead. Our core strategy at GRE is aging. Well, I've spoken with a lot of LP investors with capital calls and deals that lost all their money. Well, we approach wealth building with discipline and consistency. It doesn't sound dazzling, but it really shines when things go wrong elsewhere, because at least for the core of our portfolios, we get long term fixed rate debt for income property get paid five ways and win the inflation triple crown, and we do it all with a high degree of passivity. Right before I took the mic today, I got a two sentence email from a property manager that said an air conditioning unit's air handler board had to be replaced for $420 I don't even know what an air handler board really is. Now, the manager sent some photos in a written estimate. I quickly checked chat GPT, and I saw that the price was about right, and replied to my manager to go ahead and have that done. That's it an example of relative passivity. US residential real estate has nominally appreciated over every single 10 year period in modern history, despite some occasional short term downturns, even those are not common. Well, we recently had a guest mention that it's 20 years at the longest like 20 years or less is the period of time between which real estate never goes down. He was right. But you actually can't find any 10 year period where home values fell. What about the 2008 global financial crisis, I think that's the first place that the mind goes. Well back then, home values bottomed out at 208k in 2009 before they started growing again. And 10 years before that, the median price it was 157k in 1999 so even when home values hit their GFC low at that point, they were still up 32% from the previous 10 years. So you can confidently say then that over any 10 year period, home prices are up nationally. Now, how about the future? Well, for the future, there is more evidence of rising home prices. Building permits for new homes have fallen to their lowest level since 2019 that's according to the census bureau. So fewer single family homes are being built. Now we plan to discuss that more on. Next week show when we dive deep on does America really have a housing shortage? But this week, more reasons for future home price bullishness is that the labor market now, it's not doing that great. It sure isn't white hot, but unemployment, which was already low, that recently dropped a touch lower to just 4.3% inflation has fallen to 2.4% and wages are rising faster than that. In fact, our own Fed Chair recently remarked at how he's surprised at the strength of the economy. The property market analytics firm kotality, they now expect home prices to appreciate another four and a half percent this year. They and other firms continue to believe that the Midwest will be the hottest area of home price growth even more than that four and a half percent in that region. That is because not only is the Midwest underbuilt, it's that the prices are so affordable that it's attracting young people. The other factor is that mortgage rates recently dipped just below six into the high fives again, and that can release this pent up housing demand, and think about where we've come from. In late 2023 mortgage rates were about 8% and now lower mortgage rates also reduce the lock in effect, so it can create both more sellers and more buyers. The thing to remember is that 70% to 80% of home sellers are also home buyers because they've got to live somewhere. And first time homebuyers, of course, they buy only, they don't sell anything. In fact, former GRE guest in housing wire lead analyst Logan modeshami and Barry Habib were just positing on this at housing wire's latest summit on how the volume of home sales has been depressed for so long that lower rates could very well trigger a rush of buyers, these kind of people that have been delaying purchasing for years, this pent up housing demand being released if indeed rates go lower. People think they know the future, but we don't really know that that's going to happen for sure. But a lot of optimism about this phase of the housing market supported by not great, but decent economic conditions. Of course, that new housing demand is going to manifest unevenly across the nation. So let's talk about the places that have seen the most population growth from 2020 to today, basically the states that support that housing demand. Well, between 2020 and today, the US has grown by about 10 million people. That's over 3% nearly every state grew. But the bigger story is where that growth is happening. And really, here's the jaw dropper as a region, the South, gained more people than all of the other regions combined, about 7.6 million new residents in the south since 2020 the South's population is up 6% the West's almost 2% the Midwest population is up more than 1% and The Northeast up seven tenths of 1% again, this is not per year. This is total population growth from 2020 to today, Florida and Texas, they led the nation among the big states, both up almost 9% sprinting like they just found out that income tax is optional. The Carolinas in Tennessee are big southern growers too. People clearly keep moving toward warmer weather, a lower cost of living, lower taxes and job markets. Nothing new there. California in New York are the biggest losers in absolute numbers, California losing half of 1% of population in New York, a full 1% people keep moving away from these traditionally expensive, high tax coastal states like a buffet when the crab legs run out, people just getting up and leaving. That's not any sort of news story there, either. These trends help cash flow residential real estate investors like us, because the south aligns with that favorable landlord tenant law and those high ratios of rent income to purchase price. Luckily for us, that's where people are moving too. The Midwest has those phenomena as well, although their growth has been slower.    Keith Weinhold  9:39   Now a few Midwest highlights for you. Since 2020 the population of Indiana is up 2.8% quietly benefiting from Illinois. Escape Velocity, Missouri up almost 2% and that's growing mostly in Kansas City and St Louis suburbs. Ohio at almost 1% that's pretty modest growth overall, but Columbus up 5% that is flexing like it just landed a semiconductor plant there in Columbus, the intermountain west has bicep bulging growth, but it rarely works for us, because rents are only a little higher, but property prices are way higher. Yes, those pretty Rocky Mountain states, great Instagram, tough cash flow now Louisiana, it is a state that confounds people. It's a warm place, and it has a low cost of living, you would think Louisiana would be attracting people in droves for those reasons. Well, then why is its population following Louisiana down nine tenths of 1% since 2020 Well, you've got bleak job prospects that make Louisianans leave its tax competitiveness ranks 31st property insurance costs are high thanks to environmental risk. Louisiana has more swamps than beaches. Even the NFL saints were six and 11, and if they had made the playoffs, that wouldn't have made people move back. And hey, no personal shade here, I enjoy going to the New Orleans investment conference in Cajun culture, in Airboat Tours through the alligator filled Bayou, fun stuff, but for income producing property, you got to seek out different characteristics than just vacation Glee or how Good the gumbo tastes keep emotion separate from investing, Hawaii is America's biggest percentage loser. Its population is down one and a half percent since 2020 its cost of living is stratospherically high, with a median home value of just a little over a million dollars. That results in net outmigration to the mainland parts of the Aloha state now experience natural decrease. That means that deaths exceed births. Natural decrease. That's mostly a phenomenon on the Big Island. That's not where Honolulu is. That's where you have Kona and Hilo when young people can't afford to stay demographic gravity kicks in population loss. Hawaii is also highly dependent on tourism, meaning more volatility in recessions. It has contractor availability issues and higher repair costs, partly due to shipping materials to the remote islands. What about the upsides of Hawaiian real estate? Well, you're just going to have this inherent, strong, long term land scarcity and lifestyle desirability overall. Hawaii isn't bad. It's just hard. And I like Hawaii as a place to vacation, so the best times in my life were in Hawaii. Now, with all this said, These are broad generalities about states which are big places themselves right now. There are certainly Missouri real estate investors listening to me that are actually losing, and Hawaii real estate investors that are winning, and even cash flow positive. I'm talking general trends here, and this is with respect to long term rentals, not short term rentals. If your rent to price ratio is as low as point three or point four, like it often is near the coasts, well then you are speculating on appreciation. That's what that means. All 50 states have opportunity. All 50 states have no go zones. People keep moving south. That's a trend that the pandemic accelerated six years ago. More opportunity is concentrated there. That's got nothing to do with vacation excitement. That is population math, and I'm talking about swimming with the tide here in our Don't quit your Daydream newsletter I recently sent you that colorful population change map that I was describing some of there. More recently, I also emailed you that great and rare map of landlord friendly versus tenant friendly states mapped out and a lot of other great stuff.    Keith Weinhold  14:17   Before we bring in our firebrand guest, Garrett Gunderson, I just learned about a really strong opportunity for a provider of single family rentals and duplexes in Memphis and Little Rock. They're providing a locked in 5% interest rate and 5% property management for five years. Yeah, that's not a throwback to 2020 it's what mid south homebuyers calls their triple five program. They are the oldest and most trusted, maybe turnkey investment provider in the country, operating since 2002 and what they do is they offer these fully renovated, occupied rental properties in Memphis and Little Rock, two of the strongest cash flow markets in the South. With financing and management and rates that make the math work like it hasn't in years. So again, 5% interest, 5% property management fees for a full five years. You know those markets, they already had these investor advantage numbers with rent to price ratios mere point eight in Memphis and Little Rock. But yeah, that low 5% mortgage rate, even for renovated properties, not just new build. That's the kind of spread that turns a good deal into a great one. So to give you an idea, if you get a 30 year fixed rate mortgage loan amount of 125k with a 7% mortgage rate, your principal and interest payment is 832, at a 5% rate, it's just 671, so that's $160 more cash flow right there, and it's made a tad sweetener than that with just a 5% Property Management rate. And I don't know how long that offer is going to last, but it is available now and for the next little while, you can ask about it. When you visit mid southhomebuyers.com that's mid southhomebuyers.com and you can ask them about their triple five program. More next. I'm Keith Weinhold. You're listening to Episode 595, of get rich education.    Keith Weinhold  16:19   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. 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,   Dani-Lynn Robison  18:08   this is freedom family investments. Co founder, Danny Lynn Robinson, listen to get rich education with Keith Weinhold, and don't quit your Daydream. You Brenda.   Keith Weinhold  18:24   Today's guest is someone that America knows as the long haired, bearded money guy in the past, he's drawn physical appearance comparisons to Jesus Christ. He's a prominent financial strategist. Founded an eight figure company, hit the Inc 500 he's both a New York Times and Wall Street Journal bestselling author. He is just an electric speaker, including appearances in front of dozens of billionaires. And he's just got this great way of speaking to financial freedom that hits you differently. He even has a comedy special that's great to welcome back to the show. Garrett Gunderson,   Garrett Gunderson  19:02   that's good to be back. Man. Is really good. Love your energy. Has a nice intro.   Keith Weinhold  19:07   Well, you give a lot of like, nice guidance to people that's somewhat different than they're used to hearing. You know, Garrett, I think a lot of the conventional guidance is, you know, it's not very far above Elementary School advice like, put your credit card in the freezer so you don't use it too often, but a lot of times you speak to either business owners or people that have already had some success, and I think a lot of your underlying mantra is, hey, you better live your best life now   Garrett Gunderson  19:35   I kind of feel like you are your greatest asset, and if you starve out that asset because you don't feed it with knowledge, or you don't invest in yourself, or you don't gain the skills that really matter because you're so addicted to scrimping and sacrificing and building your balance sheet right, trying to build savings accounts and retirement plans and doing all you can to pay off that mortgage. Yeah, you could become a millionaire on paper. But will you live like one? Will you enjoy your. Life. What about all the memories that you miss along the way? What about having quality of life today and creating a life you don't want to retire from? The wealthy people, they didn't get that way because they shrunk their way there. They didn't get that way because they were amazing budgeters. They built businesses. They created value. They learned how to, you know, sell or speak or market or have business acumen that grow business or to hire people, and having those systems that actually impact more people or more deeply impact the people that they serve, because it's about value creation and their value creators. And I think this notion of just thinking, Oh, I could just trade time for money and set money aside. Man, that's a really painful way to get to a million dollars, but Northwestern Mutual, they just put out an article that said, 32 or 34% of millionaires don't feel wealthy, because if you have money tied up in an account that isn't kicking off cash flow, it doesn't feel like wealth. You can't spend that net worth. It's just a statement if you don't learn how to create cash flow. And I love financial independence, where people have cash flow from assets to cover their expenses now their lifestyle is covered from that cash flow. Now they can reinvest every active dollar into themselves and their quality of life, into more cash flowing assets, into taking trips along the way, not just waiting until they're too old to enjoy it.   Keith Weinhold  21:13   You work with business owners all the time, and you've even worked with some ultra high net worth people that still seemed to scrimp and save. Do you think really, what is that the function of? Is it more of the wrong mindset or the wrong tactics when someone acts that way?   Garrett Gunderson  21:32   It's a mindset that's really kind of handed down to them? Yeah, maybe from their parents or grandparents or from a different era, like there's people that were, you know, in the Great Depression, that then tells stories to their family about how tough it was, and you never know when that money could go away. So you got to hold tight, and it's a scarcity mindset. So one of the wealthiest clients I ever had, I mean, this was a guy who he was worth a lot of money, but you would never know it. I saw him on TV one day. I was like, Dude, he needs new clothes, and we found a strategy to save him a bunch of money. He was just buying his inventory with cash or like, let's buy it on a plum card, and you'll get cash back. I just said, Just take 10% of that cash back, which was over $100,000 a month, and spend it on yourself. He's like, Well, I wouldn't know to spend it on I'm like, Well, how about some new clothes to start with? He's like, Okay. And then the next month, he bought a nest system for his house. The next month he bought a sound system. Eventually, saved up enough money to buy a Tesla, which he really wanted, like it was money that was there for him, but it changed his entire paradigm, because now he had a quality of life. He was very philanthropic and donated money. He built massive businesses, but he never treated himself well. He'd never felt like it was okay to spend that money because of his upbringing, because the way that his parents viewed money and the way that their parents viewed money, and it was always something that felt scarce. So it felt like, okay, will this go away? And the reality was, we just found money in your couch cushions, essentially. So why not enjoy it along the way? He eventually bought a home that he loved on the water, that he loves the garden. I mean, it was like a total transformation with that one simple thing to help him heal his relationship with money, overcome scarcity, because he was already highly productive. He just had to break free from this budgetary mindset.   Keith Weinhold  23:09   That's great. It was almost like, Dude, I can see it in you. Before we even talk. You got that code off the rack at Burlington. I swear you can do better than this. Come on, now   Garrett Gunderson  23:17    30 years ago, 30 years ago too. You know, it doesn't even fit anymore.   Keith Weinhold  23:23   Well, you know, I recently dedicated a complete episode Garrett to the way I put it is that the risk of delayed gratification is denied gratification. Now, there are some good things to be said for delayed gratification, I think, especially when you're younger, or you're just starting out in the working world, and you just tried to cover rent for your apartment and you don't have much else. Delaying some gratification is good. You need to form capital. You need to get liquid. I try to avoid saying stacking savings, because that gets people in the mindset of becoming super savers sometimes, and they miss out on returns. But what I mean about the risk of delayed gratification, being denied gratification, if it's taken too great of an extent, is, you know, I'm talking about the guy where, when he was 24 he used to say, Oh, I'm going to visit the Galapagos Islands someday. That's what I want to do. But you can just tell by the time you talk to the dude, when he's 48 he begins to use the past tense for things he wanted to do, for example, then he might start saying, Oh, well, I guess I never did visit the Galapagos Islands. You know, you can tell with people when they use the past tense, and that's when you know that their future is not bigger than their past, and a lot of that is the reflection of their financial status.   Garrett Gunderson  24:40   I got married at age 23 and the first two years, well, it was really like the first year and a half, maybe I was just such a miser. I gave my wife a $400 a month budget for an apartment, and we found out that there's places you don't want to live in Utah. I didn't know it, but she's like, is this what you want? And I was like, This doesn't feel like a safe neighborhood. And then you. Know, I was like, All right, maybe $600 I was still kind of really scarce. And my parents were like, Why don't you just live in our basement, rent free, and my wife's like, sex free. If you think that's where we're living, I'm gonna live in my parents basement, you know? Because I just thought money was something to save. So I saved me over 50% of my income. And a lot of people were like, that's amazing. Congratulations. Great job. And so I felt really good about it, and then I realized that my business wasn't growing as fast as this other person my age. I met him at an event, and a year later, he was doing better. And I was like, Dude, what's going on? I could hear it in your voice. I could hear like, you're just a different person. He goes, Oh, I'm doing two things. One, I just hired this guy, Steve D'Annunzio, and he changed my entire life. And I was like, I need to meet him. He's like, he happens to be here in Vegas. He's from Rochester. Introduced me. I hired him as my coach right away. I'm hearing all these people talk about strategic coach at the same event, and they had a booth. So I signed up for Strategic Coach, which meant I had to part with some of my money. Think it was $7,500 I hired Steve as a one on one mentor, and all of a sudden I was investing in myself, yeah. And I broke free from those chains of like, reduction and restriction into the game of production. And then I even had a situation where a woman called me out at the same event. This was a life changing event where she's like, I wonder what it's like living in a financial prison you built for your wife. It's like, Oh, see, that's what happened. I thought I was responsible, and building that responsibility that's actually building walls. And when I came home for that event, my wife and I started looking for our home. Within a few months, we found one. I bought a home. It was very easily within my means. I basically made as much as I paid for this house that we loved. We lived there for nine years. We built so many memories. You know, we had our two kids while we were there, I started host study groups, and that year, I grew my income by $170,000 with the coaching of strategic coach, Steve dnunzio And this woman, Nancy, calling me out. The next year, it grew by even more because the skills started to compound. I decided from that moment forward, I would spend at least $40,000 a year, which I might be able to reach for some people, but at least $40,000 a year on mentors. Is a guy named Alan. He writes my meal plans and my workouts, and I'm at 10% body fat because he knows exactly what they do. I do what he says. It was worth this $10,000 investment, because now I pay attention what I pay for, and I look at like if I'm my greatest asset, how can I create more energy? How can I create more value? How can I feel better about myself? How can I show up the very best version of I am, so I can deliver the most to the other people. And so I've always just been in amazing groups. I just got back from two different events in Beverly Hills around amazing people, learning incredible things that allow me to grow. I haven't spent a huge amount of money on a mentor last year to figure out something that I hadn't been able to figure out to this point. It's the same thing I did to become a speaker, to become a writer or even learn how to sell or market, you've got to invest in the skill, not just in the savings account. You grow yourself first, and then you grow your money. If you starve yourself out because you're in that miserly mindset, you're going to stunt your growth and never be fully fulfilled.   Keith Weinhold  27:56   You're your own best investment. And yes, this stuff is the varying definition of investing in yourself. Don't live below your means. Grow your means and all of that.   Garrett Gunderson  28:05   Grow your means and be more efficient within your means. I mean, the best way I know how to save is not overpay on tax, which 98% of business owners are doing that today. You know, don't overpay on interest, because you either restructure your loans, renegotiate your interest rates, reallocate underpouring funds to pay it off, or you remove investment drag. A lot of people have unnecessary fees and hidden commissions that drag on their investments. Or just design your insurance properly so it's more efficient. Those four i's, IRS, interest, investments and insurance show you how to keep more of what you make, take some of that money, build up your foundation so you have a peace of mind fund, so you have staying power, at least six months of liquidity and then invest more into yourself or learn how to create cash flow. This is the game the wealthy play. But the poor middle class, they think it's about paying off a mortgage and funding the retirement plan, and they will argue about it until it's too late, when they get there and now their homes paid off, but the property taxes are higher than their mortgage was 20 years ago, you know. Or they have home maintenance they have to take care of, or inflation has destroyed the value. Like if someone were to put away 100 grand and they wait for 30 years if they got 10% which the market did the last 30 years, if you reinvest dividends, they're going to have right around $1.7 million but if they have to pay 2% in fees, fiduciary fees, 12 b1 fees, which are marketing fees for the fund expense ratio, you know, the fees of maybe a retirement plan, and they now have 2% fees. It only goes to 1.1 million. Huge difference. And that 1.1 million if we account for inflation, even if we said inflation was low, like 2.7% over that 30 years. Well, by the time we pay for inflation and tax, guess what? The purchasing power value is like, 300 grand $300,000 that's a problem, and it's because they didn't learn to create cash flow. It's because they didn't learn to invest in themselves. It's because they relied completely on a market they don't control. I'm not saying the market is completely something to avoid. I'm saying we go in sequence. How do you grow your income for. First, then how do you keep more of the income you make with? You know, financial savvy and plugging leaks. Then learn to grow your money, but maybe growing your money. For some I like to think of like three dimensional assets, like real estate's three dimensional. It can grow in equity, it can create cash flow, and it has tax advantages. But my business is three dimensional, the more my business creates cash flow, without me, the more equity it has, and that business has major tax advantages. So most people are one dimensional, pay off a loan, put a money in retirement account. That's the poor, middle class. Wealthy people build a system where they've got three dimensional assets, equity, cash flow and tax savings. And that is a complete game changer, because then they can employ the buy borrowed I strategy, if you have assets like, you know, an individual stock, or if you have assets, like a piece of real estate or a business, you could borrow against it. There's no tax on that five for life, right? You keep refinancing. Or you can even do charitable trust to avoid the taxes upon the sell of those paying no tax when there's gains. Or you can pass it on to the next generation with a step up in basis, which means they get it at the full value and not have to pay the difference. And if you have life insurance, the life insurance will pay back the loan that tax free as well. So buy, borrow, die. I mean, it's a completely different thought process of defer taxes. If you defer taxes, I get it. You could do a Roth IRA or Roth 401. K Sure, that'll let you put after tax money in and grow it. But where's the cash flow? What's the underlying investment? How does it help you create financial independence? How does it help you does it help you grow your skills to become a better investor? We've been taught to be lazy, not that people are lazy. We've just been taught to be lazy with our money. We've been fed a narrative. I don't have the time, I don't have the skill, I don't have the interest, but I want to have it, so I just hand it over. And who do we hand it over to Keith Wall Street. Wall would you trust Wall Street? Like you flew to Frankfurt not long ago. Would you get on Wall Street airlines where they're like, hey, sometimes our planes go up, sometimes they go down. That would brand, and he'd feel inspired, right? Would you go to Wall Street, you know, hospital? Or like, hey, he lost one of your kidneys, and by loss, we stole it and resold it. You know, like, Wall Street doesn't have a brand. That's good. It's boiler room. It's Wolf of Wall Street. It's the movie Wall Street with Michael Douglas. You know, greed is good like yet that's what people put their money into. And you can go to any downtown and any major city, and guess who has the biggest buildings, insurance companies, banks and Wall Street investment companies. So you're taking the size of your home and shrinking it to build up their building and put money in their pocket. And their story is, it's because they're Ivy League, they're smart. They try to make it complicated, but you don't have to know most of the things you think you need to know about finance. The foundational things are important, how to protect your assets, how to design insurance, to transfer risk, how to have some liquidity, how to automate your savings. And then you focus like Warren Buffett would teach. He said, You know how people would become a better investor if they only had 20 investments they could make over their lifetime? He says, I don't diversify because I'm in the know. He's like, I'm a good businessman, therefore I'm a good investor and I'm a good investor because I'm a good businessman. I don't separate the two. Yeah, most people think he's a stock market investor. No, he buys out the companies in the stock market. Rarely does he have minority stakes in it. He does have some of that, maybe with Coca Cola and apple, but he bought a lot of companies outright, whether it was Geico, whether it was See's Candies, whether it was like he buys these companies, he's so far outperformed the stock market by billions of dollars from an index fund like what he has, versus someone that put the same money in an index fund, Warren has billions more from his investments than the person that put all their money in the index fund, even if it was the same amount. It's completely about strategy, not about luck.   Keith Weinhold  33:30   Yeah, it's the Andrew Carnegie, put all your eggs in one basket and then watch your basket. Yeah? Watch that basket like a hawk. Totally. Yeah. I mean, stacks mutual funds, they have what I call those five simultaneous drags. If you think you're getting a 10% long term return over time, subtract out inflation, emotion, taxes, fees and volatility. What do you have left? Not much. But there's no friction there. It is just the easiest thing to do ever since decades ago, 401 K contributions begin to become automated throughout your paycheck, sometimes even automatically, automated   Garrett Gunderson  34:04   values your permission opt out. It's easy. You have to opt out, right? It's Big Brother. You don't know what's best for you. And by the way, how crazy are four one K's. Part of the reason the market has gone up in value is because people consistently fund for one case, whether the market's going up or down, they're told $8 cost average. So that's artificially fueling the market. When we see the numbers, there's a buffet index, and it's like 2.9 times higher than what he's comfortable with, with the stock market, because of how overinflated the market is, partially due to inflation, partially because people put money in. But let's remember, why did 401, K's even come about? Because pensions failed. And by the way, these pensions failed and they had world class money managers managing these multi billion dollar pensions, but they didn't know about something called disinvesting, or didn't know enough about it. When the market goes down and pension money is owed, they still have to pull money out of the pension to pay the employee which disinvests, which pulls more money out of the account. So now instead of just being 10% down, they might be 17% down. And so even if the market comes back 10% it's 10% of only 83% of the money. So not even back to square one. And if it goes down a second year in a row, they're in real trouble. It starts to chip away at the principal, and they can't recover. And that happened to pensions, and they said, Oh, here, we can't handle these. We're going bankrupt. We're going to get rid of pensions. You take care of it. Well, guess what? Vanguard says, the average balance in a 401, k right now is $148,000 how someone's supposed to live on $148,000 even if you could get 10% that's $14,800 a year taxable, that's not going to do it. Even if you have a million dollars, where are you going to put the million dollars to get the return without risking it going down? Maybe you're going to be in treasuries at 5% that's $50,000 taxable per year. You're a millionaire on paper, but living poorly. That's why I'm here to call these things out. I think that my book Killing Sacred Cows, which was my original New York Times bestseller, which is probably how we met. Yeah, I rewrote it. I rewrote it, rereleased it in 2024 and I'll give people the audiobook. They just have to DM me on Instagram. Garrett B Gunderson and DM the word cows with Keith's name, cows and Keith or Keith and cows. I'll hook you up with the book for free, so you can learn about the nine financial myths. We're talking about some of them here, but there's also some comedy in there, so they can laugh after each chapter. I threw some comedy in there. You know, if you like my comedy, I'm not the funniest comedian. I'm just the funniest money comedian. That's the reality.   Keith Weinhold  36:33   When we had the very inventor of the 401 k plan, Ted benna, come onto the show, he revealed to us that when 401 K plans rolled out, they were first called salary reduction plans. They had to scrap that name in order to foster participation. But reducing your salary is still principally what it does to you. You got to think about it that way and blow up some of these myths. But Garrett, you've already given a lot of great technical information about what someone can do, how someone can think differently. Bigger pictures, we're sort of winding down here. You know, when I'm thinking about this whole delayed versus denied gratification thing, how do you meter it out right throughout your life? I mean, what's your earmark your family legacy? How do you meter it out, right so you don't have too much or too little at the end of your life?   Garrett Gunderson  37:15   I like to see this strategy of, like, what would the rockfellers do that I wrote about is, you know, the beginning before that strategy is you pay yourself first, which has always been around Richest Man in Babylon. Tons of books talk about it. My argument is you want to pay yourself at least 15% of your personal income, off the top, to a separate account. Once you get six months in that account, now you start to invest that money, but you build your stability with that peace of mind. And we want 15% because the luxury once enjoyed becomes a necessity. So you want more money in the future, not the future, not less propensity to you know, there's also, just like planned obsolescence, things break down. You have to repair them. Technological change, we're buying new technology that doesn't even exist. I have now subscriptions to a bunch of AI things that help me out, right? But I'm spending more money. There's also taxes, those could go up in the future, or 38 trillion in debt as we film this, which is a crazy number. And there's also inflation. If we give 3% to each of those five factors, that's 15% now again, use the four i's, IRS, interest, investments and insurance to find that money, not just budgeting. But then here's the magic. At least 3% of your income should go to a separate account called the Living wealthy account. That's your guilt free spending, value based spending account, so you enjoy some money along the way. These are the things that are the finer things in life that people might say are wasteful. You know, there's a book called unreasonable hospitality that talks about this, 11 Madison Avenue was the number one rated restaurant in the world. And, you know, will who wrote the book talked about they had 3% of their budget to just go wild on their customers dream making money, right? So to create the special experience in the restaurant, and even the bear, I think was season three, showed some of that process of how they do that. So I highly recommend taking a certain percentage. You get to enjoy along the way. It could be higher than 3% but start there, and you're going to feel better, you're going to have different energy, you're going to show up in a different way. And then from there, I just believe in having trust, so that your money's outside of your estate, and protecting financial predators so you own nothing but control everything. And I personally use life insurance. I use just standard over, you know, like basically properly structured, optimally funded whole life, so that death benefit will come in after I die. It allows me to spend more of my money and then have it replenished so I can enjoy more of my money along the way, because I know that death benefit will be there for my wife or even for my family trust after I'm gone, so I don't disinherit the people that I love.   Keith Weinhold  39:31   Garrett Gunderson, he can take you through these steps, which he calls financially fit, to financially independent, and then finally to financially free. Tell us a little more about that going through those steps.   Garrett Gunderson  39:44   So financial fitness means your financial house is in order. You've got everything handled properly, car insurance, homeowners, liability, disability, medical life insurance, your corporate structures as a business owner, how you pay yourself, your taxes the last three years and move. Moving forward your investments. It's like, you know what it's going on. You've improved your cash flow, and you're dialed in. You're as safe as you could possibly be. Then financial independence is, how can we create income, especially from a business that comes in when you don't, that's people, that's processes, that's technology, so that you can be involved, but you don't have to be involved. This is the part most people miss, yeah, and I think it's crazy. A lot of people have this notion they're just going to work so hard so they can sell their business one day, I'm like, What about just creating a business that you love so much you don't want to sell it? What about giving up the things that are burning you out and have the employees that can take care of that so you do the things that you love and then just enjoy life along the way, take some little trips, take some time off and come back in. The business grows up when you're away, they learn how to do things without you, and then you can still create value into that business. I sold the business in 2021 and really regretted it, because I kind of was so removed from the business. I kind of felt like it lost its soul and I didn't feel connected to it. So this time around, I started a business in July of 2024 I'm like, I'm only going to work with the P with the people I love, building things that I love, and I'm not going to let myself get burned out by doing too much. We're going to take two weeks in Hawaii coming up here in April, just enjoy some time together as a family. We do quarterly family retreats with my wife and kids. We do traditions with my family up at my cabin, like I want to have this great life where it's blurs the lines between work and play. I have a little quote from someone else that talks about that art of life is blurring the lines between work and play, but also just having complete play sometimes that there is no work. So I come back refreshed, relaxed, rejuvenated and ready to create. And so really, that financial independence gives you permission to swing for the fences and what you do, knowing your foundation is handled, knowing that your lifestyle is covered, from assets to create cash flow gives you work optional freedom. But instead of retiring, think, what could your biggest impact be like? Create the life you don't want to retire from. Create a vision so compelling you can dedicate your life to it and find that the win is actually in the work, not just the outcome. I think that is the elegance of we win when we play, and when we have more play in our life. We don't try to escape from something. And when you start something, you might have to do things you hate, but you can eventually delegate it, and then life becomes great. I mean, one of my early coaches, Dan Sullivan, who I mentioned, a strategic coach. He's in his 80s, still behemoth of creating value in the in the market. To listen to him, you know, he's phenomenal. He's made such a huge difference in my life, and he has no intent of retiring. He just gets smarter every year, adds more value, builds more infrastructure, and he's the one that taught me the merit of free days, just taking time off, taking time away. So, yeah, that's financial independence. Is cash flow, and then financial freedom is a state of mind. It's when money is no longer the primary reason or excuse you would do or not do something. It's a consideration, but it's no longer the consideration means that you have a healthy relationship with money. Money is an asset and an ally, not an enemy. You don't come from a place of scarcity. You come from a place of abundance. You can be more present with your family and doing what you do without feeling distracted. I think wealth is our ability to be present, not necessarily how much money we have in a bank account. I think we have a good amount of money in a bank account, and we can be present. That is like true wealth.   Keith Weinhold  43:12   It harkens back to the John D Rockefeller, he who works all day has no time to make money. Rockefeller would have said, you can architect a wealth plan if your head is down on the assembly line, that means gradually move your offer. It's from trading your time for dollars over to owning assets that pay you to own them. Garrett's comedy special is called the American Ream. There's no D in that word, R, E, A, M. You can look that up, Garrett. It's been enlightening as always. Thanks so much for coming back onto the show.   Garrett Gunderson  43:43   Hey man, good to be back.   Keith Weinhold  43:51   Always. A lively conversation with Garrett, besides some great mindset perspective, he's really good at saving you tax and setting you up with asset protection. Though he's not as real estateish as me, he's pretty savvy. For example, He's aligned on the fact that, for example, say you have an 80k debt. Well, it doesn't necessarily mean that it makes sense for you to pay that off sometimes it does, but what happens to your net worth anytime you pay off an 80k debt, well, let's see. You've reduced your asset side by 80k and you've reduced your debt side by 80k so your net worth is the same, and retiring the debt means that you might have lost leverage, lost cash flow and lost tax advantages, all at the same time on Instagram, send a DM with the two words, Keith Cows to Garrett B Gunderson, and he'll hook you up with his book for free next week on the show, we go deep on does America really have a housing shortage with an expert analyst. Until then, I'm your host. Keith Weinhold, don't quit your Daydream.    Speaker 4  45:01   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  45:29   The preceding program was brought to you by your home for wealth. Building, get richeducation.com  

Stoopkid Crew! We got another story!  Season 10 Episode 10!Thank you to And Tech Group for sponsoring this episode! If you are looking to enhance your online pressence, go to andtechgroup.com/stoopkids for a 15 minute consultation!When a big snowstorm brings the first real snow day Nathaniel has ever experienced, he can't wait to build snowmen, have snowball fights, and sled with his friends. But when he and Karr discover a man sleeping outside in the freezing cold, their exciting snow day turns into a powerful lesson about empathy, kindness, and what it really means to help others.In this episode: empathy for others, responsible decision-making, rejection resilience, community responsibility, emotional awareness.RATE, REVIEW, SUBSCRIBESupport the show

WMAL GUEST: MIKE CHAPMAN (Loudoun County Sheriff) on his proposal to place School Resource Officers (SROs) in every elementary school across the county and the Loudoun School Board’s ongoing deliberations. WEBSITE: Sheriff.Loudoun.gov READ: School Board Discusses Chapman’s Proposal for SROs in Elementary Schools Where to find more about WMAL's morning show: Follow Podcasts on Apple Podcasts, Audible, and Spotify Follow WMAL's "O'Connor and Company" on X: @WMALDC, @LarryOConnor, @JGunlock, @PatricePinkfile, and @HeatherHunterDC Facebook: WMALDC and Larry O'Connor Instagram: WMALDC Website: WMAL.com/OConnor-Company Episode: Thursday, February 26, 2026 / 8 AM HourSee omnystudio.com/listener for privacy information.

Episode Notes Alec talks to Robyn Snyder, Director of Supplemental Services at Clovis Unified School District, Ray Gamez, the principal of Janet L. Young Elementary School, and JJ Donat, who's the guidance instructional specialist at Janet L. Young, about how that school cut the suspension rate for African-American students from 8.7%. to 4.2% in a single year. Every other week, we publish a newsletter with great resources like this one, sign up for it here! What are you waiting for, register for the National Summit for Improvement in Education before you miss out! If you're looking for a good introduction to Continuous Improvement in education, start here.

What does it take for a friendship to last from sixth grade to midlife?In this episode of Talking Smack 415, Jamie the Great and I we dive deep into the origin story of a forever friendship that belongs to Caryn and Jen and began at Brett Harte Elementary School in Cherry Hill, New Jersey — back when Guess jeans, first bras, and hours-long phone calls ruled the world.This is a story about growing up together and navigating friendship into adulthood. And about choosing each other again and again over decades.We talk about:Talking on the phone for hours (when life was innocent and drama meant who liked who)Playing Uno for hours and chatting on the swings ( a total stranger things moment)  The time they stood up for themselves after a teacher called them “dirt bags”Getting their periods and figuring out how to use a tamponAdmiration, loyalty, and the safety of a judgment-free zone A few “mean girl” moments (because high school…) Why this relationship remains one of the most important in their livesThrough middle school memories, teenage growing pains, and adult responsibilities, what has kept them bonded is something rare: A total judgment-free zone.This episode is for anyone who:Still talks to their elementary school best friendWonders how to maintain long-term female friendshipsBelieves women need lifelong friendships to thriveIs navigating midlife and reflecting on the people who shaped themBecause sometimes the most important love story in your life… isn't romantic. It's your best friend from 6th grade.Research shows that long-term female friendships improve mental health, longevity, and emotional resilience. But what does that look like in real life?It looks like:Phone cords stretched across bedroomsSharing secrets before you even know who you areGrowing up without growing apartChoosing loyalty over egoKnowing someone has seen every version of you — and loves you anywayThis is nostalgia, vulnerability, laughter, and real talk about why female friendships are foundational — especially in midlife.Share this episode with your friends and family who love to laugh. Subscribe to Talking Smack 415 and leave us a rating and review so more peeps can find us for laughter and friendship to feed your soul!

A Georgia mother of three is shot and killed outside an elementary school during a food delivery, leading to a multi-county manhunt and the arrest of her boyfriend. A New York man is found not guilty by reason of insanity in a rare case in Ireland, the killing his father inside a five-star hotel. Drew Nelson reports.See omnystudio.com/listener for privacy information.

In this episode, we're discussing a topic that impacts families everywhere: screen time and its effects on children. Listen as Dr. Kristen White, Haine Elementary School Principal shares about the upcoming event “Screenagers: Elementary School Age Edition,” a film featuring the latest research, expert insights and practical advice for parents and guardians of elementary-aged students.Don't miss the free community screening of “Screenagers: Elementary School Age Edition” at 6 p.m. on Thursday, Feb. 19 in the Haine Elementary School Cafeteria. This event is open to parents/guardians, staff and members of the public. Seating is limited to 400 attendees, and RSVP is encouraged. Please note: this screening is intended for adults only; students and children should not attend.IN THIS EPISODE, WE WILL REVIEWWhat is “Screenagers: Elementary School Age Edition” Why it's important to focus specifically on elementary-aged children when talking about screen use and digital habits When and where the filming event will take placeWhy parents/guardians should attend this free event How to registerSee below for more information:"Screenagers: Elementary School Age Edition"RSVPSPECIAL GUESTDr. Kristen White, Haine Elementary School PrincipalWith 32 years of experience in education, Dr. White emphasizes a whole-child approach to learning and is committed to cultivating an inclusive environment in which all children can succeed.

Residents in Brooklyn, New York are grieving an eleven-year-old girl who was struck and killed by a school bus in a hit-and-run just as school was letting out. A Florida man tells investigators he snapped his grandmother’s neck, beat her, and later used her credit cards after her death. Drew Nelson reports.See omnystudio.com/listener for privacy information.

After years of loose fiscal policy across multiple levels of government, Surrey's newest public elementary school reflects more moderate construction costs.   Read the full article here: https://www.coastalfront.ca/read/bc-completes-44m-elementary-school-costs-far-more-reasonable   PODCAST INFO:

A new Education Ministry policy bans smartphone use in Israeli elementary schools during school hours. The ministry said the policy is aimed at reducing distractions and strengthening children's social and emotional skills. Dr. Asher Weller, Academic Director of the Youth Addiction Division at the Israel Center on Addiction and Mental Health, spoke to KAN's Naomi Segal about the impact of screen use on children. (Photo: Shutterstock. Inset: Courtesy) See omnystudio.com/listener for privacy information.

“Don't ask why nobody is doing this, you are the NOBODY.”Confronted with frequent natural disasters—such as earthquakes and typhoons—and ongoing political challenges, including Chinese coercion, Taiwan has cultivated a resilient and highly creative civil society. Within this dynamic ecosystem, civic technology stands out as a distinctive force, blending grassroots activism with digital innovation to tackle complex social and governance problems.In this episode of Taiwan Salon, GTI Communications Associate Yuchen Lee and Summer 2025 Intern Tracy Weener interview Ipa Hsiao-wei Chiu (瞿筱葳), the Co-Founder of Taiwan's largest civic tech community, g0v (台灣零時政府). Ipa explains what makes Taiwan's civic tech community unique and how it thrives throughout this past decade, highlighting ‘openness' as the core value of this long-standing digital activism.Useful linksg0v's website: https://g0v.tw/intl/en/The book on Taiwan's civic tech community and the story of g0v, “The NOBODY Movement: Civic Hackers and Digital Activism in Taiwan”: https://a.co/d/6QI27cPg0v Summit 2026: https://summit.g0v.tw/2026/Sch001 零時小學校 (g0v Elementary School): https://sch001.g0v.tw/The Minecraft Project by g0v Elementary School : https://www.youtube.com/watch?v=nj4M7d3qBtk

It's Catholic Schools Week, so we're interviewing students who love being Catholic and belonging to the spiritual community DC and Campus Ministry have to offer.This episode is in two parts, where we chat with high school students Ania + Isaac and Elementary School students Ben + Amelia about their experience of faith in the Falcon Community.

Do you remember the names of your Elementary School teachers? Brenda and Brian continue to celebrate our Catholic schools on the Feast of St. Thomas Aquinas. Subscribe to the Morning Blend on your favorite podcast platform.Find this show on the free Hail Mary Media App, along with a radio live-stream, prayers, news, and more.Look through past episodes or support this podcast.The Morning Blend is a production of Mater Dei Radio in Portland, Oregon.

Happy New Year Stoopkid Crew! Season 10, episode 9 is here! Double the episodes for everyone!Shoutout to my Baltimore Stoopkid Crew that showed up for Shake it Up Storytime! I had so much fun with you all! Thank you all for coming!When the holidays end and January arrives, Peach feels sad and stuck—missing the fun, celebrations, and time off that December brings. With help from her sister Cookie and a brand-new journal, Peach begins to see that fun doesn't disappear after the holidays, it just shows up in new ways.To tell me about your 2026 goals, email me at melly@stoopkidstories.comRATE, REVIEW, SUBSCRIBESupport the show

Semester 1 Cycle 3 First grade All A's: Ashlynn Angell, Harrison Aniol, Brantlee Biela, Terrence Clark, Ezra Dunham, Riley Gallion, Kaydence Garcia, Bellamy Gorzell, Holland Hancock, Kamryn Hosek, Elijah Johnson, Graham Kolodziej, Ashlyn Kowalik, Liam Malik, Harper Messenger, Adelyn Moczygemba, Sarita Nuernberg, Iley Orth, Jackson Pawlik, Jensyn Pruski, Emily Rosene, Houston Sanchez, Owen Sanchez, Elizabeth Trevino, Mathias Tunchez, Caroline Wallace, Kora Zaiontz A/B: Arthur Alexander, Colin Band, Liam Barfield, Quintin Baumann, Novalee Calhoun, Alyssa Calmes, Karter Erwin, Haylen Haberstroh, Teagan Hubbert, Waylon Jackson, Leanne Lyssy, Riley Messenger, Caden Moore, Brooklyn Parker, Huntley Pawelek-Jacquinot, Leighton Pearson, Caroline Ploch, Matthew Ramon, Kai...Article Link

Guest: Angela Gherman | Host Bob Moffitt interviews Angela Gherman, who is the valley director for Child Evangelism Fellowship, encouraging volunteers on Elementary School campuses. Angela says, "I had no idea I could teach a Good News Club", noting the Supreme Court ruling in 2001 that the clubs have equal access to teach on a school campus just like any other club. Bob noted that his mother had been attending Biola Institute of Los Angels in 1937, one of very first to be involved in Good News Clubs in a poor neighborhood of LA. Angela says, "There are over 1 million children in Maricopa County. These children are not churched. We currently have 25 Good News Clubs in Maricopa County" Angela says, "Our volunteers come with a team of five, and with a background check and screening, we work with the school districts to get a room one day a week throughout the school year." Angela shares several stories of children coming to know Jesus, discipling them, and stories of children inviting other children to hear about Jesus. Children Evangelism FellowshipSee omnystudio.com/listener for privacy information.

Good day ladies and gentlemen, this is IRC news, and I am Joy Stephen, an authorized Canadian Immigration practitioner bringing out this Canada Work Permit application data specific to LMIA work permits or employer driven work permits or LMIA exempt work permits for multiple years based on your country of Citizenship. I am coming to you from the Polinsys studios in Cambridge, OntarioNew Brunswick issued work permits between 2015 and 2024 for Secondary school teachers under the former 4 digit NOC code 4031, currently referred to as NOC 41220.A senior Immigration counsel may use this data to strategize an SAPR program for clients. More details about SAPR can be found at https://ircnews.ca/sapr. Details including DATA table can be seen at https://polinsys.co/dIf you have an interest in gaining assistance with Work Permits based on your country of Citizenship, or should you require guidance post-selection, we extend a warm invitation to connect with us via https://myar.me/c. We strongly recommend attending our complimentary Zoom resource meetings conducted every Thursday. We kindly request you to carefully review the available resources. Subsequently, should any queries arise, our team of Canadian Authorized Representatives is readily available to address your concerns during the weekly AR's Q&A session held on Fridays. You can find the details for both these meetings at https://myar.me/zoom. Our dedicated team is committed to providing you with professional assistance in navigating the immigration process. Additionally, IRCNews offers valuable insights on selecting a qualified representative to advocate on your behalf with the Canadian Federal or Provincial governments, accessible at https://ircnews.ca/consultant.Support the show

"The learner must attend with interest to the fact or truth to be learned."In this third episode of our series on John Milton Gregory's Seven Laws of Teaching, Ryan Gilmore is joined by experienced grammar school teacher, Kay Nunn, to explore the Law of the Learner. Together they reflect on why attention and interest are essential to real learning and how teachers can spark curiosity rather than demand compliance. Through practical classroom examples and years of experience, the conversation highlights teaching as an act of formation that honors the dignity of the student. This episode invites teachers and parents to rethink engagement, not as classroom management, but as a pathway to wisdom.Free PDF of The Seven Laws of Teaching by John Milton Gregory through Veritas Press! https://www.oakgroveclassical.com/https://www.instagram.com/oakgroveclassicalacademy/https://www.facebook.com/OakGroveClassical/https://naumsinc.org/ https://classicalchristian.org/

Two mice, Jasmine and Derrick, take to the hallways of Pierce Elementary School looking for a late-night treat.  All the children and teachers have gone home for the day, but they forgot about the janitor.  Listen to find out what happens when the janitor sees them scurry down the hallway after having a late-night treat. This story is perfect before bedtime, while traveling in a car, or you just need some downtime. Welcome to Stories from the Woods, original children's stories, created by our family, for kids of varying ages but a focus on 4- to 10-year-olds. The majority of our stories span 5 to 20 minutes - the perfect amount of time to listen right before bedtime or for a short drive in the car. These stories range from kids experiencing adventures in new worlds to talking animals. You can also listen to our podcast on all podcast platforms if you just want to listen to the audio. Subscribe so you do not miss an episode.Links:Website: ⁠⁠⁠⁠⁠https://storiesfromthewoods.com ⁠⁠⁠⁠Email: ⁠⁠⁠⁠⁠storiesfromthewoods@outlook.com⁠

EDUCATION REFORM AND THE AVOIDANCE OF A FEDERAL AI DEPARTMENT Colleague Kevin Frazier. Frazier argues for updating education, starting with teacher training in elementary schools and vocational partnerships in high schools, to prepare students for an AI future. He advises against creating a federal Department of AI, suggesting society should adapt to it as advanced computing rather than a unique threat. NUMBER 121921 FRANCE

On May 24, 2022 nineteen students and two teachers were tragically gunned down at Robb Elementary School in Uvalde, Texas, the third deadliest school shooting in America. Nearly four years later, school resource officer Adrian Gonzales stands trial, facing allegations that he failed to act, leaving these children to die, but will this jury see his actions in the same way? This episode of the Court TV Podcast features both sides laying out their cases in opening statements as this trial gets underway. For more on the case against Adrian Gonzales, Click Here.Watch 24/7 Court TV LIVE Stream Today https://www.courttv.com/Join the Investigation Newsletter https://www.courttv.com/email/Court TV Podcast https://www.courttv.com/podcast/FOLLOW THE CASE:Facebook https://www.facebook.com/courttvTwitter/X https://twitter.com/CourtTVInstagram https://www.instagram.com/courttvnetwork/TikTok https://www.tiktok.com/@courttvliveYouTube https://www.youtube.com/c/COURTTVWATCH +140 FREE TRIALS IN THE COURT TV ARCHIVE https://www.courttv.com/trials/ HOW TO FIND COURT TV https://www.courttv.com/where-to-watch/ Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Today's National Days. Jonathan Savage on Witkoff, Kushner attend Ukraine Coalition of the Willing peace meeting in Paris. Elementary School closing in Cape Canaveral. Jeremy Rosenthal on the Maduro court case and National Divorce Day.

Think you still remember what you learned in elementary school? You might want to think again. A test is going viral claiming that 92% of adults can’t pass it—and it’s made up of questions you definitely knew as a kid. In this hilarious and slightly humbling segment from the Jubile Show, the crew puts their knowledge to the test with questions about colors, planets, history, and basic facts most of us haven’t thought about in years. The results? Equal parts confidence, confusion, and second-guessing. Play along and see if you’re part of the elite 8%… or if you’re riding with the rest of us. You can find every podcast we have, including the full show every weekday right here…➡︎ https://thejubalshow.com/podcasts The Jubal Show is everywhere, and also these places: Website ➡︎ https://thejubalshow.com Instagram ➡︎ https://instagram.com/thejubalshow X/Twitter ➡︎ https://twitter.com/thejubalshow Tiktok ➡︎ https://www.tiktok.com/@the.jubal.show Facebook ➡︎ https://facebook.com/thejubalshow YouTube ➡︎ https://www.youtube.com/@JubalFresh Support the show: https://the-jubal-show.beehiiv.com/subscribeSee omnystudio.com/listener for privacy information.

En este este episodio de Hola Bloomington, tuvimos como invitada a Kathy Ramsey, quien nos acompañó para conversar sobre el Programa de Inmersión Dual en Español de Summit Elementary School. A lo largo del programa, Kathy nos explicó qué es la educación de inmersión dual y cómo funciona específicamente en Summit, así como los múltiples …

Send us a textKids are meeting chatbots everywhere, from homework helpers to pop‑ups on websites, and many of them think the robot “feels” things. We cut through the hype with a friendly, practical guide that shows how chatbots really work, why they sometimes sound brilliant and sometimes go off the rails, and what families can do to stay curious and safe at the same time.We start by breaking down the core idea: a chatbot predicts the next word using patterns, not feelings or understanding. That simple lens explains why a bot can write a funny pizza joke yet invent a name when asked about your classroom. From there, we shift into digital safety that kids can remember: treat a chatbot like a stranger, never share personal information, and pause the moment a reply feels weird or unkind. Along the way we model the “grown‑up in the loop” rule and show how to fact‑check results so confidence never replaces care.To make it hands‑on, we share a quick kitchen‑table activity that sorts “Safe Questions” and “Not Safe Questions.” On one side, creative prompts like stories, riddles, and science facts. On the other, anything that reveals names, addresses, school details, or phone numbers. We wrap with five simple takeaways that turn into everyday habits: chatbots are not people, they make mistakes, you never share private data, you stop and tell a grown‑up when something feels off, and you can still have fun within clear boundaries.If this helped your family or classroom, subscribe for more parent‑friendly AI tips, share the episode with someone who needs it, and leave a quick review so more caregivers can find these tools. Your support helps more kids stay safe, curious, and creative with AI.Support the showHelp us become the #1 podcast for AI for Kids. Support our kickstarter: https://www.kickstarter.com/projects/aidigicards/the-abcs-of-ai-activity-deck-for-kids Buy our debut book “AI… Meets… AI”Social Media & Contact: Website: www.aidigitales.com Email: contact@aidigitales.com Follow Us: Instagram, YouTube Books on Amazon or Free AI Worksheets Listen, rate, and subscribe! Apple Podcasts Amazon Music Spotify YouTube Other Like our content? patreon.com/AiDig...

Dana In The Morning Highlights 12/16Accomodating needs - Fort Bend will shut down 7 elementary schools but add 1 middle schoolA&M upset Nebraska to secure their spot in the Final Four ---- next game this Thur. @ 530POver 30% of adult kids want PLANE TICKETS for Christmas

When The Mama's Den podcast first began, two of our 9 children hadn't even been born yet. Fast-forward to today, and those two babies are now 4 years old, three of them are 7, three are 9, and one is 16 — and the emotional weight of that growth is hitting us in real time.This week, we open up about what it feels like to watch our children grow up right before our eyes. From the excitement (and fear) of driver's licenses to overnight trips and realizing that some of our kids are no longer “little,” we talk honestly about the joy, nerves, pride, and anxiety that come with each new milestone.We reflect on how motherhood evolves as our kids become more independent — and how their growth forces us to confront our own: learning to let go, redefining our roles, and holding space for nostalgia while celebrating who our children are becoming. This conversation is for every parent navigating the bittersweet reality of raising kids who don't stay kids forever.Whether your child is a toddler, a tween, or on the brink of adulthood, this episode will make you feel seen — and remind you that you're not alone in this season.Follow The Mama's Den on Instagram at www.instagram.com/themamasdenpodcast Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

WBZ NewsRadio’s James Rojas reports.See omnystudio.com/listener for privacy information.

The 27th Annual Senior Holiday Event is right around the corner, and that's music to our ears! Listen as Mike and Maxine Botti, esteemed former Seneca Valley educators and longtime attendees of the event share what makes this celebration so special, why it continues to draw hundreds each year, and how it captures the true spirit of the holidays.  IN THIS EPISODE, WE WILL REVIEWWhat is the Senior Holiday EventWhen and where the event takes place What makes the Senior Holiday Event so special and why it's important to attendRSVPs are required by Dec. 15. Please call 724-452-6040, ext. 0 to reserve your spot.See below for more information:Senior Holiday 2025 flyerSPECIAL GUESTSMr. Mike Botti, former principal of Evans City Elementary/Middle School and Mrs. Maxine Botti, former Seneca Valley elementary teacher Mr. Botti graduated from Clarion State Teachers College in 1965. Prior to graduating, he was hired to teach science in the sixth-grade building in Zelienople. Over the next 35 years he taught science at Rowan and Evans City Elementary/Middle Schools. He later became assistant principal of Evans City Elementary/Middle School then finished his career as principal. "Being hired by Seneca Valley was one of the greatest blessings of my life," said Mr. Botti. Mrs. Botti graduated from Clarion State Teachers College in 1964. She taught third grade at Cranberry Elementary. Throughout her 35 years, she taught in all of Seneca Valley's Elementary Schools as a first-grade teacher. "I feel that choosing to be a teacher was the best career I could have chosen," said Mrs. Botti. "There was never a day I regretted my decision. I loved my job, my students and their parents."

Send us a textCurious talking toys are popping up everywhere, from plush buddies and dolls to tiny robots that listen and talk back. In this AI for Kids episode, we kick off our “AI in Real Life” series by breaking down AI toys for kids in plain language so families know what they are actually buying. We explain how talking AI toys use speech recognition, simple memory, and pre-programmed responses, where they can shine for learning and play, and where parents need clear guardrails for safety and privacy.Kids will learn the difference between a friendly voice and a real friend, so they understand that a toy does not have feelings and can make mistakes. We share kid-friendly rules for safe AI toy use that are easy to remember: ask an adult before playing, keep private information private, and speak up when something feels off. You will also hear a quick holiday shopping checklist for AI toys. Does this toy teach or just entertain, will it get long-term use, and does it add to playtime or pull kids away from real people?For parents and teachers, we walk through how to read AI toy privacy policies without drowning in jargon, how to choose between offline and cloud-connected toys, and how to guide playtime so the toy becomes a springboard for imagination, not a replacement for it. With simple examples, age-appropriate boundaries, and clear next steps, you will leave ready to make a smart decision about AI toys for kids and support safe, joyful, curiosity-led play.If this conversation helped, follow the show, share it with a friend, and leave a quick review so more families can find AI for Kids.Resources for Parents:Advocacy groups urge parents to avoid AI toys this holiday seasonAfter a teddy bear talked about kink, AI watchdogs are warning parents against smart toysSupport the showHelp us become the #1 podcast for AI for Kids. Support our kickstarter: https://www.kickstarter.com/projects/aidigicards/the-abcs-of-ai-activity-deck-for-kids Buy our debut book “AI… Meets… AI”Social Media & Contact: Website: www.aidigitales.com Email: contact@aidigitales.com Follow Us: Instagram, YouTube Books on Amazon or Free AI Worksheets Listen, rate, and subscribe! Apple Podcasts Amazon Music Spotify YouTube Other Like our content? patreon.com/AiDig...

Send us a textHey, hey! You made it to the end of our special ABCs of AI series.In this final episode of the ABCs of AI, we land on the letter Z for Zero-Shot Learning, a fancy AI term that we break down so it makes sense for kids and their grown ups. We talk about how AI can make smart guesses about things it has never “seen” before, why that can be powerful, and why it can also be risky if the data behind it is biased or unfair.Kids will hear a clear reminder that they are the real thinkers in the room and that AI still needs humans in the loop to check, correct, and question what it says.You'll also learn a screen free game you can try at home, in class, or after-school:Guess That Thing – a no-tech describing and guessing game that helps kids experience zero shot learning using only clues, imagination, and everyday objects.A fun bonus round with made up creatures like “rainbow sloths” and “flying pancake robots” to stretch those creative muscles.If your family has enjoyed learning the ABCs of AI with us, you do not have to stop here. Our full ABCs of AI Activity Deck is live on Kickstarter, packed with 130 screen free activities that help kids and their grown ups explore real AI concepts through games, stories, challenges, audio, and hands on fun. You can:Get a deck for your familyDonate one to a school or libraryGrab an ABCs of AI poster

Today is Thursday, November 13. Here are the latest headlines from the Fargo, North Dakota area. InForum Minute is produced by Forum Communications and brought to you by reporters from The Forum of Fargo-Moorhead and WDAY TV. For more news from throughout the day, visit InForum.com.

Today is Wednesday, November 12. Here are the latest headlines from the Fargo, North Dakota area. InForum Minute is produced by Forum Communications and brought to you by reporters from The Forum of Fargo-Moorhead and WDAY TV. For more news from throughout the day, visit InForum.com.

11/12/25: Katie Christensen Mineer is the President of the Fargo School Board, and joins Joel Heitkamp on "News and Views" to talk about naming the new elementary school in Fargo. The Fargo School Board has narrowed down the list of possible names for the new northside elementary school to 29, and will rank its top five names at its November 12 meeting. The final naming decision will be made at the board’s November 25 meeting. To read more and see the full list of names, head to KFGO.com! (Joel Heitkamp is a talk show host on the Mighty 790 KFGO in Fargo-Moorhead. His award-winning program, “News & Views,” can be heard weekdays from 8 – 11 a.m. Follow Joel on X/Twitter @JoelKFGO.)See omnystudio.com/listener for privacy information.

Modesto has a discipline policy that rewards kids with treats for bad behavior...wait, what?See omnystudio.com/listener for privacy information.

Think you’re smarter than you were in elementary school? The Jubal Show puts you to the ultimate test with a viral quiz that 92% of adults fail! From primary colors to the equator, Christopher Columbus’s ships, and the atomic number of elements, how many can you answer correctly? Join the fun, see if you belong to the elite 8% of adults who pass, and relive those “forgotten” lessons from your school days. You can find every podcast we have, including the full show every weekday right here…➡︎ https://thejubalshow.com/podcasts The Jubal Show is everywhere, and also these places: Website ➡︎ https://thejubalshow.com Instagram ➡︎ https://instagram.com/thejubalshow X/Twitter ➡︎ https://twitter.com/thejubalshow Tiktok ➡︎ https://www.tiktok.com/@the.jubal.show Facebook ➡︎ https://facebook.com/thejubalshow YouTube ➡︎ https://www.youtube.com/@JubalFresh Support the show: https://the-jubal-show.beehiiv.com/subscribeSee omnystudio.com/listener for privacy information.

Albert Taylor Ph. D is an aeronautical engineer and scientist who spent almost two decades evaluating satellite system designs and many confidential government programs. Currently a metaphysical researcher, Taylor is an active member of the International Association of Near Death Studies, and a participant in the Monroe Institute's Voyagers program. He lives in Los Angeles. Albert's book Soul Traveler talks of his own out-of-body experiences and much more. Beyond that, he is a robotics expert, and has been creating robots to hunt for ghosts and other paranormal phenomena. We talk about all of this during this show. Albert Taylor performed development engineering on a top secret program which has since become known as the F-117A Stealth Fighter. He evaluated satellite system designs in support of former President Reagan's Strategic Defense Initiative (SDI) or Star Wars. During the late 1980's Taylor taught Logistics Engineering at Cerritos College, California. He has also served as a volunteer art instructor at St. Paul's Elementary School in West Los Angeles. Taylor's art work has been exhibited in Southern California galleries. In 1992 he developed two prototype computers, and started a company called Phoenix Computers Systems, which he still owns today. Check out his website at www.AlbertTaylor.com Hosted on Acast. See acast.com/privacy for more information.

SUBSCRIBE TO JORDAN'S FREE NEWSLETTER. Get the facts, without the spin. UNBIASED offers a clear, impartial recap of US news, including politics, elections, legal news, and more. Hosted by lawyer Jordan Berman, each episode provides a recap of current political events plus breakdowns of complex concepts—like constitutional rights, recent Supreme Court rulings, and new legislation—in an easy-to-understand way. No personal opinions, just the facts you need to stay informed on the daily news that matters. If you miss how journalism used to be, you're in the right place. In today's episode: Major Results of This Weeks Elections Around the Country (1:18) What We Know About When November SNAP Benefits Will Be Paid (9:26) Supreme Court to Decide Fate of Trump's Tariffs; Here's Everything You Need to Know About the Case, Arguments, and What Might Happen (15:01) Quick Hitters: FAA to Reduce Flights Friday, Dick Cheney Dies, Nancy Pelosi Won't Seek Re-Election, Shutdown Breaks Record for Longest Shutdown, Two Men Arrested in Connection with Harvard Explosion, IRS to Dismantle Direct File (33:06) Rumor Has It: Does New Rule Ban LGBTQ Individuals from Loan Forgiveness? Did ICE Throw Tear Gas Outside of an Elementary School? Did ICE Arrest a Teacher at a Daycare? (36:22) Critical Thinking Segment (44:01) **Time stamps above are subject to change due to ad slots. SUBSCRIBE TO JORDAN'S FREE NEWSLETTER. Watch this episode on YouTube. Follow Jordan on Instagram and TikTok. All sources for this episode can be found here.  Learn more about your ad choices. Visit podcastchoices.com/adchoices

In 2023, Abby Zwerner was teaching her first-grade class when she was shot by one of her six-year-old students. Now, she is suing the assistant principal, alleging that she ignored multiple warnings that a child had a firearm in the elementary school. This week's Court TV Podcast features Zwerner's full testimony, detailing the day when a teacher's worst nightmare came to life. For more on the First Grader Shoots Teacher Civil Trial, Click Here.Watch 24/7 Court TV LIVE Stream Today https://www.courttv.com/Join the Investigation Newsletter https://www.courttv.com/email/Court TV Podcast https://www.courttv.com/podcast/FOLLOW THE CASE:Facebook https://www.facebook.com/courttvTwitter/X https://twitter.com/CourtTVInstagram https://www.instagram.com/courttvnetwork/TikTok https://www.tiktok.com/@courttvliveYouTube https://www.youtube.com/c/COURTTVWATCH +140 FREE TRIALS IN THE COURT TV ARCHIVE https://www.courttv.com/trials/ HOW TO FIND COURT TV https://www.courttv.com/where-to-watch/ Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

In hour 1 of the Mark Reardon Show, Mark Gonzales, Senior Fellow at The Heritage Foundation, joins the show to discuss his new book as well as his take on New York's Mayor Mamdani. Scott Yenor, director of the B. Kenneth Simon Center for American Studies at The Heritage Foundation, joins to discuss male elementary teachers and why they left elementary schools, as well as why they won't go back. In hour 2 of the Mark Reardon Show, we hear Sue's News, where Sue gives her top stories of the day! Then, Mark is joined by Charles Lipson, Professor Emeritus at the University of Chicago and writer for The Spectator magazine, to discuss his thoughts on Tuesday's elections and what he considers the big message to be. In hour 3 of the Mark Reardon Show, Mark is first joined by Curtis Houck, Managing Editor of News Busters at the Media Research Center, to discuss the liberal media coverage of the 'Schumer Shutdown' as well as post-Tuesday election coverage. Later on in the hour, George Rosenthal, one of the owners of Throttlenet, joins the show to discuss the impact of Artificial Intelligence on American jobs as well as American children. We also hear our Audio Cut of the Day!

Scott Yenor, director of the B. Kenneth Simon Center for American Studies at The Heritage Foundation, joins to discuss male elementary teachers and why they left elementary schools, as well as why they won't go back.

Dr. Scott Yenor of The Claremont Institute Why Male Teachers Left Elementary Schools And Won't Go Back The Recovery of Family Life: Exposing the Limits of Modern Ideologies Dr. Scott Yenor's YouTube Channel The post Male Attrition from Elementary School Teaching – Dr. Scott Yenor, 11/4/25 (3083) first appeared on Issues, Etc..

4:20 pm: Michael Weiser, Chairman of the Board of Directors for the Jack Miller Center for Teaching America's Founding Principles and History, joins the show to discuss his piece for Real Clear Politics on the cost of civic illiteracy.4:38 pm: Scott Yenor, Director of the Center for American Studies at the Heritage Foundation and a Fellow at the Claremont Institute, joins the program to discuss his piece for The Federalist about why male teachers have left the nation's elementary schools.6:05 pm: Beth Brelje, Elections Correspondent for The Federalist, joins Rod and Greg for a conversation about her report on how illegal aliens have milked the SNAP program for food.6:38 pm: John Tamny, Editor of Real Clear Markets, joins the show to discuss how the large growth of data centers in America will prove to be about more than collecting data.

Zach is joined by Laura Campbell to talk about how she implements the MCP model in her elementary math class, and how it brings balance and sustainability to the teaching profession Show Notes Eureka Math (https://greatminds.org/math/eurekamath) Laura's tracker (https://drive.google.com/file/d/1jsSBmD64oYWf2ITeUn81Hh6dxMYvjz7e/view) Connect with Laura by email at laura.campbell@modernclassrooms.org (mailto:laura.campbell@modernclassrooms.org) Contact us, follow us online, and learn more: Email us questions and feedback at: podcast@modernclassrooms.org (mailto:podcast@modernclassrooms.org) Listen to this podcast on Youtube (https://www.youtube.com/playlist?list=PL1SQEZ54ptj1ZQ3bV5tEcULSyPttnifZV) Modern Classrooms: @modernclassproj (https://twitter.com/modernclassproj) on Twitter and facebook.com/modernclassproj (https://www.facebook.com/modernclassproj) Kareem: @kareemfarah23 (https://twitter.com/kareemfarah23) on Twitter Toni Rose: @classroomflex (https://twitter.com/classroomflex) on Twitter and Instagram (https://www.instagram.com/classroomflex/?hl=en) The Modern Classroom Project (https://www.modernclassrooms.org) Modern Classrooms Online Course (https://learn.modernclassrooms.org) Take our free online course, or sign up for our mentorship program to receive personalized guidance from a Modern Classrooms mentor as you implement your own modern classroom! The Modern Classrooms Podcast is edited by Zach Diamond: @zpdiamond (https://twitter.com/zpdiamond) on Twitter and Learning to Teach (https://www.learningtoteach.co/) Special Guest: Laura Campbell.

One fan went all in with their Halloween costume recreating some of the most memorable plays from the Holy War. 

Stoopkid Crew! Welcome back to the stoop! Season 10 Episode 7!Thank you for joining me on the stoop once again and to my new Stoopkids welcome!Big Shoutout to Quill, Fallon, Eli and Ruby who came to see me in Peoria and Birmingham! If you are in any of my upcoming cities (Schenectady, Buffalo, Syracuse, Baltimore,Pittsburgh), please let me know because I would love to meet you all.Nathaniel's had it with school. It's hard, it's boring, and he's just not feeling it. So, he comes up with a plan: skip school for one day. But when his “day off” doesn't go as planned and a surprise run-in with Uncle Danny leads to some real talk, Nathaniel learns that even tough days can teach us something important.Want some Stoopkids merch for the holidays? Click Here!Support the show

Elementary School Spirits, Something Upstairs & Face in the AsylumEpisode 456 | October 6, 2025 In Tonight's Episode of Paranormal Mysteries...I'll be featuring several experiences that are a bit shorter than others. As many of you know, I do my best to read every experience that I receive, and a fair majority of the reports that come across my desk tend to be pretty brief. However, I believe everyone's experience deserves to be heard, so tonight, that's what I'll be focusing on.With that said, if you've submitted an experience that I haven't read yet, please feel free to resubmit it, or send me a quick email to verify that I've received it. Sometimes emails can get lost in the shuffle, but it's more likely that your story is just waiting to be scheduled. Either way, don't hesitate to reach out to me, and I'll see what I can do.EPISODE HIGHLIGHTS"...I saw a shadowy figure that was paper white. It started to move over to me, with an arm reaching out my way.""...the footsteps continued right past us, then sped up to a run as they went up the wall and all the way down the ceiling to the front of the town hall."(For a full transcript, visit https://paranormalmysteriespodcast.com/episodes)INFO & CONTACTWebsite: https://paranormalmysteriespodcast.comTell Your Story: https://paranormalmysteriespodcast.com/tell-your-storyForum: https://paranormalmysteriespodcast.com/forumSUPPORT THE SHOWPatreon: https://paranormalmysteriespodcast.com/patreonBuy Me A Coffee: https://paranormalmysteriespodcast.com/bmacPayPal: https://paranormalmysteriespodcast.com/paypalFOLLOW & SUBSCRIBEYouTube: https://www.youtube.com/@ParanormalMysteriesPodcastSocial Media: https://paranormalmysteriespodcast.com/linksPodcast Source: https://www.spreaker.com/podcast/paranormal-mysteries--2321086My Wife's Podcast: https://paranormalmysteriespodcast.com/sleep-relaxation-podcast

Following up on Thursday's calls from parents of kids whose education was interrupted by the pandemic lockdown, Angela Mora, LMSW, child therapist at Cope With School NYC, talks about some of the emotional health issues children face today.

Kids who were in kindergarten when the pandemic hit in March of 2020 are now starting middle school. Parents call in to talk about the lingering educational and social effects of the pandemic that they have noticed in their school-aged kids.