Podcasts about Maine

1990 - Portland, Maine.  When Portland Police responded to a call of a man lying on the sidewalk in front of Pine Street Variety on a chilly November night in 1990, they initially assumed he'd simply passed out after drinking. But 26-year-old Scott Sampson—a father of two young boys—was already dead, and had been for hours, with no one calling for help. 35 years have passed, yet Scott's sister remains anchored to the same questions that rose the moment his death was discovered. Imperfect but deeply loved, Scott was a devoted father, friend, brother, and son. And his mother's dying wish remained heartbreakingly simple: to know who was responsible, and to know why. If you have information on the murder of Scott Sampson, you can call the Portland Police anonymous crime tip line at 207-874-8584. You may also text keyword “PPDME” and a message to 847411 (TIP411). Episode sources and photos: coming soon! Support the show: ⁠⁠⁠https://www.murdershetold.com/support⁠⁠⁠ Instagram: ⁠⁠⁠⁠⁠@murdershetoldpodcast⁠⁠⁠⁠⁠ TikTok: ⁠⁠⁠⁠⁠@murdershetold⁠⁠⁠⁠⁠ Facebook: ⁠⁠⁠⁠⁠/mstpodcast⁠⁠⁠⁠⁠ Website: ⁠⁠⁠⁠⁠murdershetold.com⁠⁠⁠⁠⁠ ---- Learn more about your ad choices. Visit podcastchoices.com/adchoices

Going Over the Gift Price Limit by Maine's Coast 93.1

Bringing Plus Ones to Work Holiday Partys by Maine's Coast 93.1

Cringiest Pop Culture Moments of the Year by Maine's Coast 93.1

No More Order 67s and Shocking Update on Todd's Lucky Scab by Maine's Coast 93.1

The One Breath Challenge by Maine's Coast 93.1

Funny Santa Requests & Kelly Startled a Child as Mrs. Claus by Maine's Coast 93.1

We sit down with Megan Smith of Acadia Goldendoodles in Maine, who proves that responsible breeding can—and should—be a joy. After 17 years in the game, Megan has cracked the code on sustainability and enjoyment. She takes us on a tour of her spectacular facility, which we've affectionately dubbed a "summer camp for dogs," designed for maximum enrichment, wellbeing, and ease in managing around 20 breeding dogs at a time. Megan also explains her decision to focus exclusively on F1 and F1b generations of Goldendoodles, detailing the specific reasons and goals behind that choice. Through it all, she emphasizes the critical role of continuous education and improvement in maintaining an ethical program over nearly two decades. Whether you're a new breeder or a veteran, you'll gain creative insights into how Megan maintains her passion and makes breeding a rewarding, long-term career.

The mother of a child that was missing for five hours, while she was supposed to be heading to Augusta instead, ended up in Lewiston, ME.  Visit the Howie Carr Radio Network website to access columns, podcasts, and other exclusive content.

Colin Allard drops out to clear the runway for Jasmine Crockett, and the battle between Trump and Ilhan Omar continues.  Visit the Howie Carr Radio Network website to access columns, podcasts, and other exclusive content.

Jennifer Britz is a trail runner based in Bar Harbor, Maine. She spends half the year on Acadia National Park's rugged trails and the other half perfecting her craft on lightweight running snowshoes built for speed. Over the past decade, Britz has dedicated herself to mastering this niche sport, pushing her limits across varied terrain. In 2022, she earned gold at the World Snowshoe Championships in Argentina.Listen to: Camp MonstersFinding MasteryThank you to our sponsors: NikonCapital One and the REI Co-op® Mastercard®  Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Matt Rivers reports on the Arctic air sweeping across the U.S., bringing freezing cold and a blast of snow to millions from Michigan to Virginia to Maine, and Ginger Zee has the forecast; Aaron Katersky has details on the Altoona police officer who testified about searching Luigi Mangione's backpack after he was apprehended at a Pennsylvania McDonald's, as prosecutors release a trove of new evidence against him; David Muir stops by Rubirosa restaurant  in New York City's Nolita neighborhood for a behind the scenes look at the Made in America products that landed on Oprah's Favorite Things 2025 list; and more on tonight's broadcast of World News Tonight with David Muir. Learn more about your ad choices. Visit podcastchoices.com/adchoices

Earnestness Horn! Today's episode is a heavy one. A listener needs advice on dealing with a sibling experiencing illness—and the rapidly approaching reality that they may soon become their sibling's sole caretaker. CLICK HERE TO VOTE FOR THIS WEEK'S WINNER⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ (Poll opens at 10am Mountain Time) UPCOMING SHOWS: ⁠⁠⁠⁠⁠⁠⁠⁠⁠ See Andrew at Gnarly's in Golden, Colorado on December 12th!⁠⁠ See Ben at Cumston Hall in Monmouth, Maine on December 13th!⁠ See Andrew at Level 7 Games in Englewood, Colorado on December 14th!⁠ ⁠See Adam at Comedy Fort in Fort Collins, Colorado on December 19th-20th!⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠See the Grawlix live at the Bug Theatre on Saturday, January 31st with Dave Hill and Mikel Nordstrom! ⁠⁠ LINKS: Follow us for show dates and more: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Adam Cayton-Holland⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ • ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Ben Roy⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ • ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Andrew Orvedahl⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ • ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Grawlix⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Support this podcast on Patreon to get ad-free episodes, bonus videos, exclusive merch, birthday shout-outs and more.⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠  Got a question? Email us: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠question@advicefight.com Learn more about your ad choices. Visit megaphone.fm/adchoices

Coworker's Wife's Secret Sexy Job by Maine's Coast 93.1

Christmas Cards & Obnoxious Family Updates by Maine's Coast 93.1

Blake's Intoxicating P-Town Weekend by Maine's Coast 93.1

Any Weird Rules at Air BnBs You Encountered by Maine's Coast 93.1

How Do You Keep Gifts You get Online From Being Discovered by Maine's Coast 93.1

Martha Stewart Wants to be Composted by Maine's Coast 93.1

T Vs K- How Many Home Alone Injuries Would've Killed the Wet Bandits by Maine's Coast 93.1

AlabamaTrump  praises Governor for getting illegal alien truck drivers off roadwaysAttorney says PSC has hidden tax that Alabamians need to know aboutIslamic Academy of AL withdraws re-zoning application from HooverLeftist groups joining with Read Freely AL in opposing APLS policy changeSting operation in Decatur lands 7 people behind bars for seeking minorsWork begins for upgrading Port of Mobile cargo terminal Pier B southNationalNJ US attorney Alina Habba submits resignation after ruling on her positionTrump offers $12B bailout to famers due to affects of tariffs, threatens more tariffs on Mexico over water treaty violationTom Homan says US visas given to Somali immigrants now under scrutinyState of Maine has allowed a Somali owned company to defraud servicesState lawmaker in MN calls on FBI and DOJ to arrest Ilhan Omar for serial criminal activityChinese scientists use gene editing to make fungi taste more like chicken

When I was approached by Brett Aldrich's team, I wasn't quite sure how the conversation would go - if it would be something you would be interested in; but maybe this convo was more for me than you? I booked a visit with her, at least! You'll hear me fumble my way around what I thought Ayurveda was (clearly I'm wrong), but Brett's practice is absolutely fascinating to me! Did you know about Ayurveda before today?Brett's practice is located in Maine, but she offers virtual visits as well, which is how my appointment will be the day before this airs! She touched on the topic of elements, which I've never heard of (not like the table of elements), and I had too many questions to let it go - so I've got an hour and 1/2 with her to get caught up. To quote Brett: "Just as the earth is made up of natural elements, so are we." She also said this: "sustainability begins within ourselves."My takeaway: what we take into our bodies matters - it either helps or hinders, and if we understand that and take notice of our body's response, we may just have an easier go of life. That's not really new info to me, but the delivery was everything to me. I'm so looking forward to some extra time with Brett and learn about my elements, and how to live better with that info! I hope you learned something new in this conversation, too!You can find all things Brett here: https://seedthespirit.com/She's on Facebook here: https://www.facebook.com/p/Seed-The-Spirit-LLC-61575858674934/Send me a message!Support the showPlease follow Grounded In Maine podcast on Instagram here YouTube channel link is here You can DM me there or email me at amysgardenjam@gmail.com Website for Amy's Garden Jam is https://amysgardenjam.com/ (podcast has its own tab on this site!) Amy's email newsletter: https://amy-fagan.kit.com/499688fe6a How Do I Get There From Here by Jane Bolduc - listen to more at https://www.janebolduc.com/Podcast cover by Becca Kofron- follow here on Instagram here https://www.instagram.com/cute_but_loud/ and check out her awesome art projects. Grounded in Maine Podcast is hosted by Buzzsprout, the easiest podcast hosting platform with the best customer service! Learn more at https://www.buzzsprout.com/?referrer_id=1851361 You can support this podcast one time (or many) with the Buy me a coffee/Hot Chocolate link here: https://www.buymeacoffee.com/groundedinmaine Grounded in Maine Podcast is sponsored by ESG Review. Learn more about the good they're doing at https://esgreview.net/

Dale Hanson is a highly decorated Vietnam War veteran and Green Beret who served three years as a commando in the Military Assistance Command, Vietnam – Studies and Observations Group (MACV-SOG), conducting extremely dangerous reconnaissance missions deep behind enemy lines. Born in Queens, New York, and raised in Saco, Maine, with family ties to Minnesota's harsh winters, Hanson was influenced by his family's military legacy—his father, born in 1894, served and died when Dale was eight. Given the name "Kam Baw Ya Chin," meaning 'eternal life, never die,' by his Chinese mercenary counterparts, he led recon teams facing high casualty rates and earned numerous decorations. Hanson is also an accomplished sculptor, MENSA member, black belt martial artist, author, pilot of fixed-wing and glider aircraft (including aerobatics), and Special Forces underwater diver. He shares his experiences through his memoir Born Twice: Memoir of a Special Forces SOG Warrior (2016) and SOG Missions to the Well, highlighting the challenges, heroism, and lack of recognition for SOG soldiers. Hanson advocates for honoring veterans' sacrifices, preserving military history, and using personal stories to educate on the realities of covert warfare. Shawn Ryan Show Sponsors: Receive 30% off your first subscription order. Go to https://armra.com/SRS or enter SRS to get 30% off your first subscription order. Right now, you can try Aura free for 14 days when you visit http://aura.com/SRS Our listeners get 10% off at https://BetterHelp.com/SRS. Head to http://DRINKAG1.com/SRS you'll get the welcome kit, a Morning Person hat, a bottle of Vitamin D3+K2, and a AG1 Flavor Sampler for free. Dale Hanson Links: Studio Website - https://www.dale-hanson-studio.com Amazon Author Page - https://www.amazon.com/stores/Dale-Hanson/author/B001KD7KE0 SOG Site - https://sogsite.com/product/born-twice-memoir-of-a-special-forces-sog-warrior Learn more about your ad choices. Visit podcastchoices.com/adchoices

There's a special election coming up in Maine and the current city counselor may not live in the district that they were appointed to. Janet Beaudoin joins the show to shed more light on this and to explain what she would bring to the seat.  Visit the Howie Carr Radio Network website to access columns, podcasts, and other exclusive content.

Joe Biden continues to lose his mind and a child goes missing on a school bus for hours.  Visit the Howie Carr Radio Network website to access columns, podcasts, and other exclusive content.

Aaron McIntire kicks off the week: Supreme Court agrees to hear Trump's Day 1 EO ending birthright citizenship for kids of illegals – rivals Roe in stakes; Texas GOP map locked in for midterms, netting 5 more House seats; DeSantis blasts do-nothing Congress, urges bold single-issue votes to crush Dems; Pope Leo XIV calls Europe "less fearful" of Muslim influx, cites Lebanon as model (yikes); Ilhan Omar: Somali fraud victims are... Somalis? Compares Jewish Stephen Miller to Nazis; Maine's Mana Abdi: U.S. arrival was "bootcamp," Kansas a racist hellhole; Honduran illegal (deported 3x) stabs Charlotte train passenger – 2nd light-rail attack in months; Eric Schmitt torches Dems for pearl-clutching narco strikes while ignoring Biden's "vegetable" years; and holiday mirth: Creed's "Rudolph the Red-Nosed Reindeer" mashup goes viral.   The AM Update, Aaron McIntire, Trump birthright citizenship SCOTUS, Texas redistricting map, Ron DeSantis midterms, Pope Leo immigration, Ilhan Omar Somali fraud, Stephen Miller Nazi claim, Mana Abdi Maine, Charlotte train stabbing, Eric Schmitt narco strikes, Creed Rudolph mashup

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

With young voter support for President Trump reportedly in free fall, we're reminded of the housing cost explosion under Joe Biden and dust off an old BS Board to educate young Americans. Does Gen Z know they'd have far more money if they stopped voting for democrats who allow Somalians to steal it? Tim Walz political star takes a nosedive as a Maine investigative reporter uncovers a similar Somalian fraud scheme in his state. How programs to "settle" immigrants are all schemes to register immigrant voters and feed money back into democrat coffers.

Today we head into the shadowed woods of Great Chebeague Island in Casco Bay, Maine, on the trail of a legendary cellar hole said to be guarded by the restless ghost of a murdered pirate. For generations, locals have whispered about eerie lights, phantom footsteps, and a presence that watches from the trees — all centered around a hidden stash of pirate treasure that was never recovered. What really happened here? And why does something still linger among the ruins? Jeff and Ray follow the clues deep into the island's past to uncover one of Maine's strangest hauntings. Listen ad-free plus get early access and bonus episodes at: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.patreon.com/NewEnglandLegends⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Follow Jeff Belanger here: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://jeffbelanger.com/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠  Beware the Pirate's Ghosts - A New England Legends Podcast PLEASE SUPPORT THE ADVERTISERS THAT SUPPORT THIS SHOW TalkSpace -  Get$80 off your first month with Talkspace when you go to Talkspace.com/podcast and enter promo code SPACE80.   True Classic - Step into your new home for the best clothes at True Classic ⁠⁠www.TrueClassic.com/P60 ⁠⁠Raycon Everyday Earbuds - Save up to 30% Off at ⁠⁠www.buyraycon.com/truecrimenetwork⁠⁠ Cornbread Hemp - Save 30% off your first order at ⁠⁠www.cornbreadhemp.com/P60⁠⁠ and enter P60 into the coupon code Mint Mobile - To get your new wireless plan for just $15 a month, and get the plan shipped to your door for FREE, go to ⁠⁠⁠⁠www.MintMobile.com/P60⁠⁠ Cozy Earth - Begin your sleep adventure on the best bedding and sleepwear with Cozy Earth: ⁠⁠https://cozyearth.com/⁠⁠ use Promo Code P60 for up to 40% off savings! Steam Beacon TV - Your home for Paranormal, Horror & True Crime TV ⁠⁠https://streambeacontv.com/⁠⁠⁠⁠ Love & Lotus Tarot with Winnie Schrader - ⁠⁠⁠⁠⁠http://lovelotustarot.com/ Learn more about your ad choices. Visit megaphone.fm/adchoices

In this jaw-dropping episode, Tara uncovers a stunning web of fraud — from Minnesota to Maine — involving nonprofit scams, migrant services agencies, Medicaid billing, and even money allegedly funneled to build paramilitary forces overseas.

In this explosive episode, Tara uncovers a mind-bending saga of massive fraud, Democrat-run systems, and a Somali warlord who came to America and used taxpayer money to build his own paramilitary force overseas.

Pete Roberts (Founder of Origin USA & Jocko Fuel) shares how losing 60% of his business overnight in the 2008 crash forced him to rebuild with one unbreakable rule: 100% American-made, no compromises. From rescuing WWII-era machines in rural Maine to partnering with Jocko Willink and investing hundreds of millions into U.S. manufacturing, Pete reveals the raw truth about purpose-driven business, raising Gen-X-style kids in a digital world, why “build-to-flip” is a lie, and how real American resurgence actually happens.Join Dustin Diefenderfer, Founder of MTNTOUGH Fitness Lab and creator of the MTNTOUGH+ Fitness App in the top podcast for Mental Toughness and Mindset. (P.S.

The numbers are staggering, but the stories are even more urgent: sex trafficking thrives where demand goes unchecked and myths cloud our judgment. Today we sit down with human rights attorney Yasmin Vafa, co‑founder and executive director of Rights for Girls, to pull the curtain back on how this market really works—and why centering girls' voices is the key to stopping it. From courtroom biases that turn victims into defendants to the hobby boards where men casually review the people they buy, we map the hidden infrastructures of exploitation with clarity and care.Yasmin breaks down the “abuse to prison pipeline” and explains how forced criminality and self‑defense cases trap survivors—often Black girls—in adult courts. We discuss adultification bias, the blurred line between trafficking and prostitution, and language that normalizes harm. Then we go straight to the root: demand. Drawing from the report Buyers Unmasked, we examine buyer attitudes, the role of pornography and entitlement, and why credible buyer accountability programs focus on changing beliefs, not just counting arrests.Policy is where culture meets consequence. We compare full decriminalization—removing penalties for buying, pimping, and brothels—with the survivor model adopted in places like Sweden and Maine, which decriminalizes the sale of sex while holding traffickers and buyers to account. You'll hear how fines can fund survivor services, how major sporting events attract sex tourism, and why the “Sex Buying Isn't A Game” campaign tackles this surge head‑on. Practical takeaways include how to support survivor‑led services, advocate for buyer accountability laws, and bring The Right Track documentary to your community.If this conversation moved you, subscribe, share it with someone who needs to hear it, and leave a review telling us what policy change you'll champion next.

This week we're looking at Larry Cohen's bizarre sequel to Tobe Hooper's hit TV miniseries, Salem's Lot which was based on the novel by Stephen King. While the studio bent over backwards to convince video renters that this movie was also from the mind of Stephen King and also had that cool Kurt Barlow vampire, Cohen's movie bears very, very little in common with the original. When anthropologist Joe Weber is called back to New York to deal with his delinquent son, he decides to reconnect with the kid by moving out to an old cottage he inherited from his aunt in Salem's Lot, Maine. When they arrive, however, they quickly learn that the town is haven to a race of vampires hiding in plain sight. They have plans for Joe and his son Jeremy and are desperately trying to maintain their ancient way of life.Cohen set out to make a satire of American conservatism in the 80's with this movie but the end product doesn't quite stick the landing. Join the Bring Me The Axe Discord: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://discord.gg/snkxuxzJ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Support Bring Me The Axe! on Patreon:https://patreon.com/bringmetheaxepod⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Buy Bring Me The Axe merch here:https://www.bonfire.com/store/bring-me-the-axe-podcast/⁠⁠

In med-mal cases, the defense often argues that a defendant couldn't have anticipated a patient's unusual problem. When a 15-year-old girl died from complications of undiagnosed lymphoma, the plaintiff's team turned that argument on its head. “I think people think, ‘Well, if someone comes in with a really unusual set of circumstances, you ought to look into it pretty carefully, especially if it can be concerning or life threatening, right?' It's not a ‘Get Out of Jail Free' card,” says co-host Ben Gideon, who tried the case with trial partner Meryl Poulin. The defense didn't get out for free in this case. The jury awarded $25 million, Maine's largest med-mal verdict. Tune in as co-host Rahul Ravipudi moderates this case breakdown.Learn More and Connect☑️ Meryl Poulin | LinkedIn☑️ Ben Gideon | LinkedIn | Facebook | Instagram☑️ Gideon Asen on LinkedIn | Facebook | YouTube | Instagram☑️ Rahul Ravipudi | LinkedIn | Instagram☑️ Panish Shea Ravipudi LLP on LinkedIn | Facebook | YouTube | Instagram☑️ Subscribe: Apple Podcasts | Spotify Produced and Powered by LawPodsSponsored by SmartAdvocate, Hype Legal,

Welcome to episode 122 of The Journey Is the Reward!Hold onto your tray tables, folks, because in this episode, we're not just flying—we're doing a full 180-degree turn on our usual format! We've deployed the flaps for a fresh introduction, and Brian takes the controls to interrogate (er, interview) Micah about his recent aerial journey from Portland, Maine, all the way to Philadelphia for a very important mission: attending his niece's wedding. But first, we're diving into the mailbag! Listener Murilo sent in an audio message wanting the full story behind why your host refuses to check a bag—is it a matter of principle or just an overly large carry-on? Then, Listener Peter details a mid-flight issue with his seating assignment, asking for our expert guidance on how we would have navigated the turbulence of that awkward situation. For the main event, we get all the from Micah's trek on American Airlines, dissecting the journey from the tarmac to his landing at the Marriott Residence Inn.  We also cover his ground haul to the wedding venue, including a key fuel stop to catch a football game. Micah took a deliberate detour to a local kosher deli, and the food was so utterly divine, it completely ruined his dining experience at the swanky Chase Sapphire Lounge. And as always, our ears are blessed by the utterly soul-stirring, goosebump-inducing sounds of the Madalitso Youth Choir! Their Welcome and Goodbye songs, recorded straight from the Royal Livingston Hotel in Zambia, are pure magic.

A TRULY STAND-OUT HOUR OF TELEVISION!! Gift Someone (Or Yourself) A Stranger Things RR Tee! https://shorturl.at/hekk2 IT: Welcome to Derry Full Episode Reaction Watch Along:   / thereelrejects   Vecna: The Mind Slayer tee by @G9DESIGN & Dr. Stranger Things tee by @SASAMIIKU — perfect for hardcore fans & collectors alike! IT (2017) Movie Reaction:    • IT (2017) SCARED THE CRAP OUT OF US!! MOVI...   IT: Chapter Two (2019) Movie Reaction:    • IT CHAPTER 2 (2019) IS STILL FREAKIN' SCAR...   With The Running Man & The Long Walk out + Stephen King's "IT" more popular than ever, the Scream Queens (Tara & Roxy) + Andrew Gordon (Cinepals) RETURN for their penultimate IT: Welcome to Derry Reaction, Recap, Commentary, Breakdown, & Spoiler Review! Roxy Striar, Tara Erickson, & Andrew Gordon react to IT: Welcome to Derry Episode 7 — “The Black Spot,” the penultimate chapter of HBO's Stephen King prequel series. Set in 1962 Derry, Maine and developed by Andy Muschietti, Barbara Muschietti, and Jason Fuchs, the show has been steadily peeling back the town's poisoned history and Pennywise's 30-year cycle of fear. Episode 7 airs Sunday, December 7, 2025 on HBO and Max, and multiple official previews say it's extra-long (feature-length) and pivotal, treating the Black Spot tragedy as a major turning point for the season's mythology. As teased at the end of Episode 6, “The Black Spot” centers on the looming attack against the Black-owned club — an event long referenced in Stephen King's IT lore — and shows how human hatred and Pennywise's influence feed into one another. Previews suggest the night erupts into chaos, pulling the Hanlons, Hallorann, and the kids into a desperate attempt to survive and uncover what's really driving Derry toward violence, while the town's buried history threatens to ignite into something supernatural and catastrophic. Follow Roxy Striar YouTube:https://www.youtube.com/@TheWhirlGirls Instagram: https://www.instagram.com/roxystriar/?hl=en Twitter:  https://twitter.com/roxystriar Follow Tara Erickson: Youtube: https://www.youtube.com/@TaraErickson Instagram:  https://www.instagram.com/taraerickson/ Twitter:  https://twitter.com/thetaraerickson Follow Andrew Gordon on Socials:  YouTube: https://www.youtube.com/@MovieSource Instagram:  https://www.instagram.com/agor711/?hl=en Twitter:  https://twitter.com/Agor711 Intense Suspense by Audionautix is licensed under a Creative Commons Attribution 4.0 license. https://creativecommons.org/licenses/... Support The Channel By Getting Some REEL REJECTS Apparel! https://www.rejectnationshop.com/ Follow Us On Socials:  Instagram: https://www.instagram.com/reelrejects/  Tik-Tok: https://www.tiktok.com/@reelrejects?lang=en Twitter: https://x.com/reelrejects Facebook: https://www.facebook.com/TheReelRejects/ Music Used In Ad:  Hat the Jazz by Twin Musicom is licensed under a Creative Commons Attribution 4.0 license. https://creativecommons.org/licenses/by/4.0/ Happy Alley by Kevin MacLeod is licensed under a Creative Commons Attribution 4.0 license. https://creativecommons.org/licenses/... POWERED BY @GFUEL Visit https://gfuel.ly/3wD5Ygo and use code REJECTNATION for 20% off select tubs!! Head Editor: https://www.instagram.com/praperhq/?hl=en Co-Editor: Greg Alba Co-Editor: John Humphrey Music In Video: Airport Lounge - Disco Ultralounge by Kevin MacLeod is licensed under a Creative Commons Attribution 4.0 license. https://creativecommons.org/licenses/by/4.0/ Ask Us A QUESTION On CAMEO: https://www.cameo.com/thereelrejects Follow TheReelRejects On FACEBOOK, TWITTER, & INSTAGRAM:  FB:  https://www.facebook.com/TheReelRejects/ INSTAGRAM:  https://www.instagram.com/reelrejects/ TWITTER:  https://twitter.com/thereelrejects Follow GREG ON INSTAGRAM & TWITTER: INSTAGRAM:  https://www.instagram.com/thegregalba/ TWITTER:  https://twitter.com/thegregalba Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode, we're talking about repeat vacationers. Justin and his wife are planning their next trip, and he's set on going back to Aruba, a place he's been to ten times. They're joined by Billy and Lisa, who share their own experiences with repeat vacations, from visiting the same beach in Maine to Disney World. They discuss the comfort and familiarity that comes with revisiting favorite destinations, and the benefits of taking the same vacation spot year after year. It's a conversation about the joys of predictability and the importance of taking time for ourselves.See omnystudio.com/listener for privacy information.

Major breakthrough in 2021 D.C. pipe bomb case – Virginia man Brian Cole Jr. arrested, but AG Pam Bondi says no new tips; just re-examining old FBI evidence (what else did they miss?); Chip Roy demands Congress ban stock trading now; Candace Owens bails on TPUSA live-stream showdown after vowing "anytime, anywhere"; rents drop 1% for 4th straight month – Scott Turner credits Trump's deportation surge; Marco Rubio distances from "Age of Disclosure" UFO doc he's featured in, calls claims "liars or crazy"; Ask/Tell Me: global flood theology, COVID conspiracies, health premium hikes, and "furry" vs. bestiality rebrand. Plus, unbelievable Maine custody case banning mom from Bible/church with daughter.   The AM Update, Aaron McIntire, Jan 6 pipe bomber, Brian Cole Jr arrest, Pam Bondi FBI, Chip Roy stock trading, Candace Owens TPUSA, Marco Rubio UFO, Age of Disclosure doc, Maine church custody, global flood theology, COVID conspiracies, Steve Deace Show

'Daddy's Friend' Came Over by Maine's Coast 93.1

City Deer and Dogs in the Cold by Maine's Coast 93.1

Elective Hysterectomies by Maine's Coast 93.1

Tell Us Something Good! (120525) by Maine's Coast 93.1

First Call- Philip the Paper Guy by Maine's Coast 93.1

Couples Who Don't Fight by Maine's Coast 93.1

She's Pissed at Her Secret Santa by Maine's Coast 93.1

Kelly's Clues + Most Mispronounced Words of the Year by Maine's Coast 93.1

This week, in Carmel, Maine, a woman vanishes, after spending a day with her family, leading detectives to a suspect, who has a history of being around women, who come up missing. This includes his wife, who has been missing for years. As it turns out, there are even more women that went missing, after spending time with this man. In the end, some very strange facts force him to fully confess, and lead police to his secrect serial killer graveyard!!   Along the way, we find out that Maine's Supreme Court features a member, who is actually a beaver, that the "she must've ran away with a trucker" excuse won't work with every woman you know, and that it may be more preferable to be in prison, in Masin, than free, in Texas!!   New episodes, every Wednesday & Friday nights!! Go to shutupandgivememurder.com for all things Small Town Murder, Crime In Sports & Your Stupid Opinions!   Follow us on... instagram.com/smalltownmurder facebook.com/smalltownpod   Also, check out James & Jimmie's other shows, Crime In Sports & Your Stupid Opinions on Apple Podcasts, Spotify, or wherever you listen to podcasts!!

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

Dan begins with a little known case of the Warren's about a grieving family heirloom and a century-old pact. Then,  we'll examine what many consider to be America's first documented ghost story.  Was Sullivan, Maine really home to America's first documented ghost? Then, Lynze gives us two unsettling tales this week. Her first takes us to a prison infirmary for a both a paranormal and very real life set of fears. She wraps up this week with a teacher and a student both experiencing something rather bizarre. Do you want to get all of our episodes a WEEK early, ad free? Want to help us support amazing charities? Join us on Patreon!Want to be a Patron? Get episodes AD-FREE, listen and watch before they are released to anyone else, bonus episodes, a 20% merch discount, additional content, and more! Learn more by visiting: https://www.patreon.com/scaredtodeathpodcast.Send stories to mystory@scaredtodeathpodcast.comSend everything else to info@scaredtodeathpodcast.comPlease rate, review, and subscribe anywhere you listen.Thank you for listening!Follow the show on social media: @scaredtodeathpodcast on Facebook and IG and TTWebsite: https://www.badmagicproductions.com/Facebook: https://www.facebook.com/scaredtodeathpodcastInstagram: https://bit.ly/2miPLf5Mailing Address:Scared to Deathc/o Timesuck PodcastPO Box 3891Coeur d'Alene, ID 83816Opening Sumerian protection spell (adapted):"Whether thou art a ghost that hath come from the earth, or a phantom of night that hath no home… or one that lieth dead in the desert… or a ghost unburied… or a demon or a ghoul… Whatever thou be until thou art removed… thou shalt find here no water to drink… Thou shalt not stretch forth thy hand to our own… Into our house enter thou not. Through our fence, breakthrough thou not… we are protected though we may be frightened. Our life you may not steal, though we may feel SCARED TO DEATH." Subscribe to SiriusXM Podcasts+ to listen to new episodes of Scared to Death ad-free and a whole week early. Start a free trial now on Apple Podcasts or by visiting siriusxm.com/podcastsplus. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.