Podcasts about harrisburg

PREVIEW LANCASTER COUNTY MALL SANTA OBSERVES CHRISTMAS SLOWDOWN Colleague Jim McTague. Jim McTague shares insights from a Lancaster County mall Santa, who observed a significant slowdown in visits this Christmas. The Santa attributes this decline to high costs, such as expensive photo packages, pinching young families. This trend suggests distinct economic strain on younger generations compared to wealthier Baby Boomers. 1907 HARRISBURG

The Trump administration is pushing new nuclear energy projects to power the ongoing race to advance artificial intelligence. Dauphin County’s Three Mile Island is at the center of that goal. The Commissioner of the Pennsylvania State Police is leaving Harrisburg for the national stage. Avian Influenza may be making a comeback among poultry flocks in Pennsylvania. About 400 snow geese likely died of the virus in Northampton County. In Washington, four centrist Republicans have broken with their party's leadership over health care. Three of the four are from Pennsylvania. They signed onto a Democratic-led petition, forcing a House vote on extending for three years an enhanced pandemic-era subsidy that lowers health insurance costs for millions of Americans. Dauphin County Commissioners approved a 2026 budget plan Wednesday. It includes a 9.75% property tax increase - the second major tax raise in two years. Pennsylvania is one of 35 states reaching a settlement with automakers Kia and Hyundai over faulty anti-theft systems. The Pennsylvania company that makes the marshmallow treats known as Peeps announces it's planning a Peeps Chick Drop on New Year's Eve. If you already support WITF with an ongoing monthly contribution, thank you. If every member of WITF's Sustaining Circle increased their gift by as little as $12 a month, we could close the budget gap caused by cuts in federal funding and keep programming like the Morning Agenda. Increase your monthly gift today at witf.org/increase or become a new Sustaining Circle member at www.witf.org/givenow. And thank you.Support WITF: https://www.witf.org/support/give-now/See omnystudio.com/listener for privacy information.

The White House is touting the strength of the nation’s economy; despite data showing Americans remain concerned about inflation and job security. Vice President JD Vance is the latest Trump administration official to tout a rosy economic outlook, during a rally in Pennsylvania. Harrisburg lawmakers are expected to send a bill to Governor Josh Shapiro’s desk that changes the way workers access unemployment benefits. As Philadelphia prepares for the nation’s 250th birthday next year, a dozen artists are painting bell-shaped sculptures that represent Philly neighborhoods. Caregivers in Pennsylvania are celebrating a rare pay boost, but long-term funding issues linger. Dickinson College is the latest area college to announce a more affordable option for middle-class families. Littlestown, Adams County native Aubrey Nicole placed fourth in NBC's "The Voice." WITF, along with hundreds of Public Media organizations across the country, is facing a significant annual budget gap with the loss of federal funding. That means that WITF is now dependent on individual member support more than ever. Visit www.witf.org/givenow. And thank you.Support WITF: https://www.witf.org/support/give-now/See omnystudio.com/listener for privacy information.

Pennsylvania Attorney General Dave Sunday says he’ll defend the state’s artificial intelligence laws in court — even if that means challenging Donald Trump’s administration. Sunday’s threat is a rare push back against Trump from the first-term Republican. Across Pennsylvania, our roadways, parking lots and driveways are already seeing tons of salt being spread to alleviate icy, snowy conditions. But there are environmental impacts. A brick wall collapsed Monday at Harrisburg's Broad Street Market. The wall was part of the brick market house damaged by a July 2023 fire. A dozen Starbucks employees were arrested while they were striking outside the company's largest distribution center located in York County, Monday. York County Commissioners are expected to vote Wednesday morning on a revised budget plan. If you're already a member of WITF's Sustaining Circle, you know how convenient it is to support programs like the Morning Agenda. By increasing your monthly gift, you can help WITF close the budget gap left by the loss of federal funding. Visit us online at witf.org/increase or become a new Sustaining Circle member at www.witf.org/givenow.Support WITF: https://www.witf.org/support/give-now/See omnystudio.com/listener for privacy information.

Today we have Nathan. He is 45 years old from Harrisburg, VA and took his last drink on January 24th, 2023.   This episode is brought to you by:   Better Help – 10% off of your first month #sponsored Café RE – the social app for sober people   Get your 2026 started off poison free and join us for our Dry January course Restore at 8pm eastern time on January 1st. This is the first of 13 sessions throughout the month, and this course is all about accountability and having fun.   January 1st, 2026 is the official release date for Paul's new book Dolce Vita both in print and audiobook. He would love to have you on the launch team. Email info@recoveryelevator.com to join.   [01:59] Thoughts from Paul:   When asked what recovery has made possible, today's guest Nathan responded with the one word "everything" almost before Paul could finish the question.   The sobriety space, especially the 12-step world, is full of cheesy recovery slogan, but Paul shares one that he laughed at when he first heard it. The saying is, you're giving up one thing for everything. And that one thing is alcohol.   If you ride a drinking problem long enough, it will take everything from your life. But when you quit, nearly everything that was taken will be returned. Not all in one day of course, but a life without alcohol will give you everything. More money, more sunsets, more time with aging parents, more memories, a better outlook on life and more growth.   [05:56] Paul introduces Nathan:   Nathan lives in Harrisonburg, VA where he works in the philanthropy space in higher education.  He and his wife have two children, 11 and 14 years old. For fun, he enjoys spending time with his family and out in nature.   In high school, Nathan was very active in a variety of high school activities. Having a reputation to maintain, Nathan kept his drinking private. Nathan went on to college and says it was the typical experience with the exception of losing a friend to a drunk driving incident in which he feels partially responsible for.   While he used alcohol to cope with the pain of the loss, he also used the loss to propel him into trying to make changes in programs at school and how he approached is own drinking. Nathan still did much of his drinking in private because he knew he couldn't drink how he wanted to in public.   Over the years, Nathan didn't think he had a problem, but he was hiding the quantity he drank from everyone. Once COVID came, the isolation, the unknowns, and the loss of multiple family members found Nathan's consumption changing a bit. He began to realize the behavior wasn't normal but believed it was a moral failing, or lack of discipline rather than the alcohol being the source of the problem.   At 41, Nathan began to use health related goals as motivation to moderate. He didn't drink daily, but when he drank it was with the intention to get drunk. After finding himself in handcuffs with his car in the ditch, he wanted nothing more than to just "fix it". It was at this time when his wife approached him and said it was time for him to go to AA.   Nathan didn't identify as an alcoholic and was initially resistant, but a voice in his head said he had no excuse not to go. Getting some great advice at the first meeting that really resonated with him, Nathan left with the Big Book and went on to attend 90 meetings in 90 days.   The first three months were all about survival for Nathan. After his legal troubles ended he had a shift from "I have to do this" to "I want to do this". Recognizing that he could use his recovery to help others, he and some friends are trying to reach the younger demographic in his area. Service has become very important, and Nathan is now a sponsor for others in the AA space.   Nathan's parting piece of guidance: You're never going to wake up in the morning and regret not drinking the night before.   Recovery Elevator You took the elevator down, you gotta take the stairs back up. We can do this. I love you guys.   RE on Instagram Sobriety Tracker iTunes  RE YouTube  

Control What You Can Control | A Conversation with Garry Gilliam (Part 1) About the EpisodeIn Part One of this two-part conversation, Julia Healey sits down with Garry Gilliam — former NFL player, Penn State graduate, and founder of The Bridge Eco Village — to explore how adversity, structure, and belief shaped his path from Harrisburg, Pennsylvania, to national impact.Garry reflects on growing up in generational poverty, being sent at eight years old to the Milton Hershey School, and the difficult mindset shift required to move from survival to opportunity. He shares how a “whole child” approach, focused on mind, body, spirit, and community, helped him redefine what was possible when resources and stability were finally in place.The conversation also dives into Garry's devastating college injuries, the mental battle of being told he had just a 10% chance of returning to form, and the discipline of focusing on effort, character, and the next right step when everything else felt out of control. Throughout, Julia and Garry unpack bigger questions about education, transition, and why preparing people for success must include preparing them for what comes next.This episode sets the foundation for Part Two, where Garry's NFL journey and the vision behind The Bridge take center stage.Connect with Garry: https://www.garrygilliamjr.com/Join our community of Inspired Changemakers!The Inspired Changemakers Podcast spotlights people turning purpose into action. Each episode features a new guest sharing their journey, insights, and projects making a difference in their communities and beyond. Listen in, learn, and get inspired to take your next step!You can find us on:FacebookInstagramLinkedInYouTubeBuzzSproutSupport the show

Candid Catholic Convos 12.14.25   A weekly program produced by the Catholic Diocese of Harrisburg, Pa.   SHOW TITLE: ADVENT ENCOUNTERS - THEMES OF THE SEASON   SHOW DESCRIPTION: Today we're joined by Father Bill Forrey of Holy Name of Jesus Parish in Harrisburg, Father Kevin Key of Saint Joan of Arc Parish in Hershey and Father Stephen Logue of Sacred Heart of Jesus Parish in Lancaster to discuss the themes of Advent: Hope, Peace and Joy. SCRIPTURE: 1 Thessalonians 5:6 SAINT SPOTLIGHT: Saint Joseph    

The Trump administration has announced plans to roll back fuel efficiency standards for cars and trucks – citing affordability. It’s the latest move toward dismantling former President Biden’s climate initiatives. Public health advocates say the rules have helped clean up Philly’s air quality. Federal authorities arrested an Uzbek terror suspect with a Pennsylvania-issued driver’s license several weeks ago. State senators convened in Harrisburg this week to investigate how he obtained it. Faculty members at Penn State hoping to unionize across the university say they’ve filed the paperwork needed for a vote that could happen next year. “Revolutionary Things: Objects from the Collection,” is a new exhibit opening today (Friday) at the State Museum of Pennsylvania. The exhibit – in celebration of America250 - aims to illustrate the commonwealth’s unique place in the story of America’s Independence. And if you’re still searching for that perfect Christmas tree, there should still be plenty to choose from in Pennsylvania. Pennsylvania's Attorney General has reached a $1.5 million settlement with discount retailer Dollar General after an investigation uncovered multiple instances of price gouging. According to AG Dave Sunday, between 2019 and 2023, his office found that in more than 40 percent of products, the price at the cash register was more than the price listed on the item. An eviction diversion program in Reading is winding down. The program offered tenants hands-on legal help and rental money. In Lebanon County, more than 60-thousand wreaths will be placed on veterans' graves at Indiantown Gap National Cemetery this weekend. A ceremony and wreath laying begins this Saturday (Dec 13) at noon. As we approach the end of the year, we want to say thank you for your listenership and support. If every member of WITF's Sustaining Circle increased their gift by as little as $12 a month, we could close the budget gap caused by cuts in federal funding and keep programming like the Morning Agenda going strong. Increase your monthly gift today at witf.org/increase or becoming a new sustaining member at www.witf.org/givenow. Thank you!Support WITF: https://www.witf.org/support/give-now/See omnystudio.com/listener for privacy information.

NPR's Scott Detrow and poet Kate Baer share a favorite bookstore in Harrisburg, Pennsylvania. They recently met there to discuss Baer's new poetry collection How About Now, which wrestles with the realities of middle age. In today's episode, Baer tells Detrow about navigating honesty and privacy in her work, what it's like to share shelf space with poets like Ada Limón and Sharon Olds, and writing moments that made her hear “the angels sing.”To listen to Book of the Day sponsor-free and support NPR's book coverage, sign up for Book of the Day+ at plus.npr.org/bookofthedayLearn more about sponsor message choices: podcastchoices.com/adchoicesNPR Privacy Policy

Most offices look clean but fail basic hygiene standards. Discover what professional janitorial services actually do differently and why it matters for your Hershey, Palmyra, Lebanon, or Harrisburg workspace. To learn more, visit: https://lehighvalleypm.com Lehigh Valley Property Maintenance LLC City: Palmyra Address: 1126 E Maple Street Website: https://lehighvalleypm.com Phone: +1 7172987157 Email: matt@lehighvalleypm.com

White Canes Connect episode 147 features a powerful address from National Federation of the Blind President Mark Riccobono, delivered to the NFB of Pennsylvania State Convention in Harrisburg. Reflecting on the eve of the organization's 85th anniversary, President Riccobono shares his personal journey of discovering the Federation in 1996 and how the community transformed his understanding of blindness, leadership, and collective action.  He highlights landmark achievements driven by blind-led advocacy—from advancing Braille literacy and accessible technology to expanding opportunity in education and employment—and reminds us that progress is only possible when blind people speak and act for themselves.  Looking ahead, he calls on members to lead in emerging areas like artificial intelligence, preserve our history through storytelling, and continue building a diverse, unified movement. His message is both a celebration of how far we've come and a challenge to invest in the future we are creating together. Show notes at https://www.whitecanesconnect.com/147         Donate to the NFB of PA Like what you hear on White Canes Connect? Please support us and donate to the National Federation of the Blind of Pennsylvania, visit http://www.supportpablind.org.  Keep Up-to-date with the Affiliate Learn about chapter and division meetings and fundraisers on Federation Focus.  It's available on the affiliate's YouTube Channel at https://www.youtube.com/@nfbofpa. New episodes drop every Monday. We Want to Hear Your Story Reach out with questions and comments, or share ideas! We want to hear from you. Call us at (267) 338-4495 or at whitecanesconnect@gmail.com. Follow White Canes Connect Find out why White Canes Connect is currently ranked as one of the 100 Best Visually Impaired Podcast. Find the show on: Apple Podcasts: https://podcasts.apple.com/us/podcast/white-canes-connect/id1592248709  Spotify: https://open.spotify.com/show/1YDQSJqpoteGb1UMPwRSuI  YouTube: https://www.youtube.com/@pablindpodcast  Visit our website at https://www.whitecanesconnect.com/.

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  

A weekly program produced by the Catholic Diocese of Harrisburg, Pa.

Pennsylvania politics were pretty messy this year. Pennsylvanians waited 135 days for Harrisburg to pass a budget. Philly nonprofits had to cut back on services, and school districts took out loans just to pay the bills. Moving forward, how do we make government work? In our weekly politics episode, host Trenae Nuri talks with State Senator Anthony H. Williams, who represents parts of Philadelphia and Delaware Counties, to talk about ways to get more money flowing into the Commonwealth and his goal to withhold paychecks from legislators during budget stalemates.   Get Philly news & events in your inbox with our newsletter: Hey Philly Call or text us: 215-259-8170 We're also on Instagram: @citycastphilly You can support this show and get great perks by becoming a City Cast Philly Neighbor at membership.citycast.fm. Learn more about the sponsors of this episode: Penn Live Arts Independence Blue Cross RiverRink Winterfest  Advertise on the podcast or in the newsletter: citycast.fm/advertise

Central Pennsylvania on Tuesday got its first taste of winter weather, with between three and five inches of snow. Heavier totals were reported to the north and east of the Harrisburg area. Schools were closed or delayed in many communities with PennDOT crews pressed into service for snow removal. Michael Mullins of northeastern PA died from ALS in 2022. His son, state Rep. Kyle Mullins was motivated by the loss to fight for funding for neurodegenerative disease research. Mullins has helped secure 5 million dollars in the state budget to study diseases like ALS, Alzheimer’s and Parkinson’s. Educators in the region and all over the country are facing a growing challenge-figuring out when a student actually did the work or outsourced it to Artificial Intelligence. According to a local researcher, teachers should be careful before making an accusation. US Senator John Fetterman of Pennsylvania will have his work cut out for him if he decides to seek a second term in 2026. A poll commissioned by RealClear Pennsylvania shows Fetterman with a 31 percent approval rating among registered Democrats, compared to 57 percent from Republicans and 30 percent from independents. After decades of talk and planning, groundbreaking has finally taken place on a major redevelopment project in the city of Pittsburgh. The Esplanade is a 740-million-dollar project to transform 15 acres of brownfields on the city’s north side on the banks of the Ohio River.Support WITF: https://www.witf.org/support/give-now/See omnystudio.com/listener for privacy information.

In this episode, I catch you up on everything that's been keeping me busy around the NFB of Pennsylvania. As convention chair for our 2025 convention in Harrisburg, I walk through how the weekend went—sponsors, auction totals, banquet fundraising, Family Feud night with Amazon gift cards and consolation candy bars, and the great support we got from the Best Western Premier staff. I talk about how grateful I am for Jane's help running things behind the scenes and how I'm emailing every attendee to say thanks and gather honest feedback. Of course, it wouldn't be an episode without travel drama: a tense run-in with a Harrisburg red cap, a creepy pitch-black train station, and a long rideshare wait getting home from Malvern. I wrap up with what's next, why I'm hoping to get back to weekly episodes, and how you can hear more convention content over on White Canes Connect. Show notes at https://www.iCantCU.com/292 Links Mentioned Product links are affiliate links so that I may earn a commission. Ray-Ban Meta Glasses, Wayfarer: https://amzn.to/42EU0Sy Like the sunglasses Jane bought for me? https://amzn.to/4oGWLfx Another big dog toy that may be on Ziggy's Christmas list: https://amzn.to/4nWcib1 Federation Focus on the NFB of PA YouTube channel: https://www.youtube.com/@nfbofpa I edit the show with Descript and love it!: https://www.iCantCU.com/descript/ Be My Eyes app (free): https://www.bemyeyes.com/  Seeing AI app (free): https://www.seeingai.com/  AI Killed Santa? That Real Blind Tech Show ep 191: https://podcasts.apple.com/us/podcast/episode-191-a-i-has-killed-santa-but-dont-tell-all/id1526258077?i=1000737946828 Index of That Real Blind Tech Show episodes: https://www.icantcu.com/trbts/  Watch iCantCU episodes on YouTube: https://www.youtube.com/@iCantCU Support iCantCU When shopping at Amazon, I would appreciate it if you clicked on this link to make your purchases: https://www.iCantCU.com/amazon. I participate in the Amazon Associate Program and earn commissions on qualifying purchases. The best part is, you don't pay extra for doing this! White Canes Connect Podcast Episode 146 In Episode 146 of White Canes Connect, we share the 2025 NFB of Pennsylvania State Convention banquet keynote delivered by National Federation of the Blind Executive Director of Blindness Initiatives, Anil Lewis. With humor, honesty, and warmth, Anil traces his journey from sudden blindness and early misconceptions about rehabilitation to discovering the Federation's philosophy of high expectations, love, and accountability. Find this episode at: Apple Podcasts https://podcasts.apple.com/us/podcast/anil-lewis-keynote-address-at-pa-state-convention/id1592248709?i=1000738772303 Spotify https://open.spotify.com/episode/1uUuORnubQC3pCa9sOYUqR YouTube https://youtu.be/M_fjMoBG5tE?si=nnJl7cU1kUmdYOBe White Canes Connect Website https://www.whitecanesconnect.com/146/      My Podcast Gear Here is all my gear and links to it on Amazon. I participate in the Amazon Associates Program and earn a commission on qualifying purchases. Zoom Podtrak P4: https://amzn.to/33Ymjkt Zoom ZDM Mic & Headphone Pack: https://amzn.to/33vLn2s Zoom H1n Recorder: https://amzn.to/3zBxJ9O  Gator Frameworks Desk Mounted Boom Arm: https://amzn.to/3AjJuBK Shure SM58 S Mic: https://amzn.to/3JOzofg  Sony ZV-E10 camera : https://amzn.to/4fFBSxM  GoPro Hero 11 Black: https://amzn.to/3SKI7WX Rode Video Micro (used on GoPro): https://amzn.to/4kVMJWI Sennheiser Headset (1st 162 episodes): https://amzn.to/3fM0Hu0  Follow iCantCU on your favorite podcast directory! Apple Podcasts: https://podcasts.apple.com/us/podcast/icantcu-podcast/id1445801370/  Spotify: https://open.spotify.com/show/3nck2D5HgD9ckSaUQaWwW2  Audible: https://www.audible.com/pd/iCantCU-Podcast-Podcast/B08JJM26BT  IHeart: https://www.iheart.com/podcast/256-icantcu-podcast-31157111/ YouTube: https://www.youtube.com/@iCantCU   Connect on Social Media Twitter: https://www.twitter.com/davidbenj Instagram: https://www.instagram.com/davidbenj Facebook: https://www.facebook.com/davidbenj LinkedIn: https://www.linkedin.com/in/davidbenj Are You or Do You Know A Blind Boss? If you or someone you know is crushing it in their field and is also blind, I want to hear from you! Call me at (646) 926-6350 and leave a message. Please include your name and town, and tell me who the Blind Boss is and why I need to have them on an upcoming episode. You can also email the show at iCantCUPodcast@gmail.com.

Candid Catholic Convos 11.30.25   A weekly program produced by the Catholic Diocese of Harrisburg, Pa.    SHOW TITLE: Advent Encounters.   SHOW DESCRIPTION:   While the holidays are a joyous time for the church, for many it can be a stark reminder of grief and loss. Dr. Kirsten Tollefson, psychiatrist and program director for Catholic Charities' Labre Mental Health Clinic, joins us to talk about some tangible ways we can lean into hope this season, even if it feels out of reach. SCRIPTURE: Isaiah 64:1 SAINT SPOTLIGHT: St. Jude Thaddeus    

Recapping the Thanksgiving football outcomes and what it means for the Steelers. The Chiefs are on the outside looking in but still scare everyone if they make the playoffs. Lamar doesn't look right still but Burrow looked very good. Could the AFC North winner finish at 8-9? Should Steelers fans feel better or worse after Bengals/Ravens? Callers weigh in. The Lions might not be as tough for the Steelers than initially thought. A caller has soured on the Steelers after the loss to the Bears. The tiebreakers between Steelers and Ravens would likely go to Baltimore. Donny is putting his Christmas decorations up today. Real tree or fake tree? What counts as Christmas movies? Ray Fittipaldo joins to discuss his Thanksgiving, Donny loves pumpkin pie, the outlook for Aaron Rodgers on Sunday, Asante Samuel, what Jones' injury means for the OL and the jumbo sets, could it be time for the TEs to have a big game, Ray's score prediction. Karlo Zovko joins to discuss the state playoff games, the problems with Cumberland Valley as the host, if Highmark could be a venue for big games going forward, how many of the WPIAL teams does he expect to move on, Central Catholic vs Harrisburg, Avonworth's incredible success, ranking the likeliest WPIAL teams to move on. Sal Capaccio joins to discuss his Thanksgiving preferences, the notable injuries for the Bills, highlighting their struggles at WR and the curious case of Keon Coleman, Larry O, how Bills fans have been feeling. Sal loves Pittsburgh. A Bechtold Breakdown with Sean - Brian Kelly gets paid $53 mil not to coach, are we underestimating how incredible the OKC dominance has been, will the Pens make the playoffs? Nate Breisinger joins to discuss Pitt vs Miami, flashbacks to Kenny Pickett's upset of Miami, who Pitt fans need to be aware of for Miami, who needs to have a big game for the Panthers, his score prediction, where Pitt could end up in bowl season. Could Pitt and Penn State square off? Football picks - BREAKING: Aaron Rodgers is in vs the Bills Sunday.

Ray Fittipaldo joins to discuss his Thanksgiving, Donny loves pumpkin pie, the outlook for Aaron Rodgers on Sunday, Asante Samuel, what Jones' injury means for the OL and the jumbo sets, could it be time for the TEs to have a big game, Ray's score prediction. Karlo Zovko joins to discuss the state playoff games, the problems with Cumberland Valley as the host, if Highmark could be a venue for big games going forward, how many of the WPIAL teams does he expect to move on, Central Catholic vs Harrisburg, Avonworth's incredible success, ranking the likeliest WPIAL teams to move on.

Karlo Zovko joins to discuss the state playoff games, the problems with Cumberland Valley as the host, if Highmark could be a venue for big games going forward, how many of the WPIAL teams does he expect to move on, Central Catholic vs Harrisburg, Avonworth's incredible success, ranking the likeliest WPIAL teams to move on.

Eric and Dan are once again joined by Bruce Badgley, recapping the PIAA quarterfinal round and the remaining District 3 championship games. They break down Harrisburg's dominant defensive performance in their 6A win over Central York, Bishop McDevitt's 5A victory against Solanco which marked Coach Jeff Weachter's 300th career win, and Twin Valley's historic first district title in 4A. The discussion also covers Trinity's improbable comeback, Kevin Brown's commitment to West Virginia, and the resignation of Cedar Cliff coach Colin Gillen.

in this episode my good friend, Justin Raub and myself talk about his introduction to Telemark Skiing and where it has taken him and the people he has met, as well as what he has learned. We also talk about his youth and love of baseball and all things sports, leading to his college education at Shippensburg University focusing on media journalism and sports. Justin shares some of his most memorable experiences while learning his craft as a student as well as while working in his field as a news journalist/videographer for a news affiliate in Harrisburg, PA. Enjoy!

The Pennsylvania Supreme Court ruled Monday that local officials do not need to give 24-hour notice to make changes to public agendas. Dwight Evans has been a fixture in Pennsylvania's politics for decades. Evans announced earlier this year he'll be retiring at the end of his term - and there's no shortage of contenders for his Congressional seat - 10 at last count, including a former climate advisor to the Biden administration. A Lancaster County judge signed an order Monday unsealing autopsy records in the 2003 death of a federal prosecutor whose body was found in a Brecknock Township creek. The move comes after a years-long effort by our sister newsroom, LNP LancasterOnline, to find out more about Jonathan Luna’s mysterious death. A food manufacturer is moving from Lancaster to Harrisburg. The nation’s leading couscous manufacturer, US Durum Products, is relocating and expanding operations at a site along South 17th Street. The $50.1 billion state budget includes increased funding for the Pennsylvania State Police One area hospital is celebrating a rare baby boom - four sets of twins born within the span of one week.Support WITF: https://www.witf.org/support/give-now/See omnystudio.com/listener for privacy information.

In this episode of the Uploft Interior Design Podcast, I share my personal reflections on Thanksgiving, discussing my small family dynamics and the various ways I've celebrated the holiday over the years. I then dive into a listener question from Theresa in Harrisburg, who is looking to modernize her entertainment center. I provide design advice on wall-mounted TVs and alternative storage solutions to enhance her space. In the second half, I discuss Virginia Giuffre's memoir, "Nobody's Girl," sharing my thoughts on the important themes of sexual abuse and the need for ongoing awareness beyond the Me Too movement. I encourage listeners to consider adding this impactful book to their holiday wish list and remind everyone to tune in next week for more design insights and pop culture discussions. Timestamps: 00:00:00 - Thanksgiving Reflections00:04:04 - Design Advice Introduction00:04:37 - Listener Question from Theresa00:10:39 - Design Solutions for Theresa's Entertainment Center00:16:18 - Virginia Giuffre Book Recommendation00:24:39 - Closing Thoughts and Next Week's Preview Links: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Uploft.com⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠AffordableInteriorDesign.com⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Submit your design questions⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ to be featured on the show ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Become a Premium Member⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and access the bonus episodes Click ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ to become an interior designer with Uploft's Interior Design Academy. Get Betsy's book: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠betsyhelmuth.com/book⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠For more about our residential interior design services, visit ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ModernInteriorDesign.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ For our commercial interior design services, visit ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠OfficeInteriorDesign.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Follow Us: Instagram: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@uploftinteriordesign⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Facebook: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠facebook.com/UploftIntDes⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ TikTok: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠tiktok.com/@uploftinteriordesign⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ LinkedIn: ⁠⁠⁠⁠⁠linkedin.com/company/uploft-interior-design⁠⁠⁠⁠⁠ If you enjoy the show, please spread the word and leave a review on iTunes! Learn more about your ad choices. Visit podcastchoices.com/adchoices

(00:00:00) Susquehanna Art Museum presents If Herr Street Could Talk, the homecoming exhibition of award-winning abstract artist and Harrisburg native, Alteronce Gumby. (00:21:47) Franklin and Marshall College have announced a major initiative designed to make the Lancaster-based private school more affordable. Under the program known as Commonwealth Commitment, tuition will be free for students whose families earn 75 thousand dollars a year or less. For families with an income of between 75 and 150 thousand dollars a year, tuition will be the same as Penn State charges its in-state students.Support WITF: https://www.witf.org/support/give-now/See omnystudio.com/listener for privacy information.

Candid Catholic Convos 11.24.25   A weekly program produced by the Catholic Diocese of Harrisburg, Pennsylvania.   TITLE: Returning to the Table: Why the Eucharist Still Matters   SHOW DESCRIPTION: Today we're joined by Deacon Scott Root. Deacon Root is a permanent deacon in our Diocese who holds a masters in Pastoral Studies in the Diaconate Formation Program from Pontifical College Josephium, a Catechist certification from Franciscan university of Steubenville, a master Catechist Certification from our Diocese, and he's the senior theology teacher at Trinity High School. He's also a husband, father and regular guest on our podcast over the last several months helping us get Back-to-Basics with our faith. Scripture Verse: Luke 22:19 Saint Spotlight: Carlo Acutis   

Piper hosts Plaidcast in Person in front of a live audience at the Pennsylvania National Horse Show in Harrisburg, Pennsylvania with Danielle and Jimmy Torano. Brought to you by Taylor, Harris Insurance Services.Host: Piper Klemm, publisher of The Plaid HorseGuest: Jimmy Torano operates JET Show Stable based in Wellington, Florida and Mohrsville, Pennsylvania with his wife Danielle. Jimmy frequently visits Europe, and is one of the nation's top importers of up and coming young show jumpers, equitation and hunter prospects. Jimmy is a Big “R” judge who has judged many major classes including the 2006 Pessoa USEF Medal Finals, 2007 USET Talent Search Finals, 2008 Pony Medal Finals and the 2008 ASPCA Maclay Finals.  Guest: Danielle Torano is the most winning rider in the Show Jumping Hall of Fame Amateur-Owner Jumper Series, winning the Eastern Conference title in 2001, finishing second in 2002, and then gaining the championship again in back to back years in 2004 and 2005. In 2008, Danielle was a member of the winning $75,000 FEI Nation's Cup team in Wellington, Florida aboard Marlo. Danielle went on to represent the United States in the 2008 World Cup Finals in Goteborg, Sweden and the 2009 World Cup Finals in Las Vegas on Vancouver D'Auvray. Danielle is now a trainer at JET Show Stable.Subscribe To: The Plaid Horse MagazineTitle Sponsor: Taylor, Harris Insurance ServicesSponsors: Purina, Great American Insurance Group and Windstar Cruises  Join us at an upcoming Plaidcast in Person live event!

Catholic leaders are speaking out against immigration enforcement in President Donald Trump’s second term. One Chicago priest’s protest strategy? Walking from Pope Leo’s childhood home in Illinois, through Pennsylvania, on his way to Ellis Island in New York. A resolution approved by the state House designates this week as "Pennsylvania Education for Youth Experiencing Homelessness Week." State Rep. Ismail Smith Wade-El of Lancaster County is a co-sponsor of the resolution. Also in Harrisburg, state lawmakers are investing in childcare. This year’s state budget includes a $25 million fund for childcare workers. There's positive news in Pennsylvania's latest education assessments. The scores show improvements in math proficiency and graduation rates. A new White House initiative is aimed at reshaping how young people transition out of foster care. Pennsylvania experts share their reactions. A new study finds higher rates of skin cancer across central Pennsylvania's "farm belt" including Dauphin, Cumberland and York counties. Internal probes uncovered errors in chemo treatment and toxic leadership by Penn State's cancer chief. That's according to reporting - bringing those probes to light - by our partners at Spotlight PA. Pennsylvania and its county and local governments are on track to spend nearly all of the $13 billion received in federal pandemic relief funding by the end of 2026. Support WITF: https://www.witf.org/support/give-now/See omnystudio.com/listener for privacy information.

Protesters want Pennsylvania legislators to vote to bar themselves from receiving unlimited gifts or campaign contributions. Harrisburg Republicans joined energy-sector workers at the state Capitol to celebrate Pennsylvania's withdrawal from the Regional Greenhouse Gas Initiative or "reggie." When Congress reached a deal to end the federal government shutdown, it did not include extending additional tax credits for people who buy insurance plans on the Affordable Care Act marketplaces. Pennsylvanians stand to pay, on average, double their current premiums in 2026. Some are considering buying cheaper catastrophic health plans instead. Temple University’s Kornberg School of Dentistry is partnering with the Tamaqua Area Community Partnership in Schuylkill County. The organizations have announced plans to open a rural dentistry campus. PPL's residential customers can expect a nearly 4% increase in their electricity costs starting December 1st. The public is invited to weigh in on Lancaster's proposed data center benefits agreement during a special city council meeting set for tonight (Thursday evening). The North Hanover Mall is condemned, after a wall collapsed last weekend. The City of Reading may be forced to pull millions of dollars from its reserves over the next few years to balance its budget.Support WITF: https://www.witf.org/support/give-now/See omnystudio.com/listener for privacy information.

((00:00:00)) Elizabethtown College is transforming history education with its Public Heritage Studies program, led by director Jean-Paul Benowitz. This immersive, community-driven approach takes students beyond the classroom into Pennsylvania’s rich cultural landscape, preparing them for careers in archives, museums, and historic sites through hands-on experiences and real-world internships. ((00:21:33)) David Morrison, Executive Director of Historic Harrisburg Association, explains why the loss of historic buildings such as the Captain John Gilchrist property raises urgent questions about how communities can protect historic sites before it’s too late.Support WITF: https://www.witf.org/support/give-now/See omnystudio.com/listener for privacy information.

In this episode, I was lucky enough to interview Andy Kochanowski, founder and CEO of Alerify, a data center based in Harrisburg, Pennsylvania. Andy shares his journey from a 30-year career in corporate America, including service in the Navy, to taking the leap into entrepreneurship. He explains how Alerify serves a niche market of small and medium-sized businesses seeking secure, localized data storage through co-location and virtual private cloud solutions, providing a personal, hands-on approach that sets them apart from the hyperscale public cloud providers.Andy also dives into the process of acquiring and revitalizing Alerify, from conducting meticulous due diligence to investing in infrastructure improvements, achieving SOC 2 compliance, and building a strong local network. He discusses early client wins, including iHeart Media, and shares his approach to leveraging AI at the edge for private, secure data processing. Along the way, he offers advice for aspiring business owners about finding the right opportunity, valuing culture alignment, and starting local before scaling. Tune in to Andy's story as he highlights the blend of strategic planning, technical expertise, and human connection that drives his company's growth in this episode of The First Customer!Guest Info:Alerifyhttps://www.alerify.com/Andy Kochanowski's LinkedInhttps://www.linkedin.com/in/andrew-p-kochanowski-ph-d/Connect with Jay on LinkedInhttps://www.linkedin.com/in/jayaigner/The First Customer Youtube Channelhttps://www.youtube.com/@thefirstcustomerpodcastThe First Customer podcast websitehttps://www.firstcustomerpodcast.comFollow The First Customer on LinkedInhttp://www.linkedin.com/company/the-first-customer-podcast/

Elected officials on both sides of the aisle cheered the passage of Pennsylvania's long-delayed state budget last week. But the Republican Party's likely nominee for governor next year is not among them. New trees were planted in Harrisburg City late last week as part of a $500,000 investment statewide to add shade, reduce stormwater runoff and make communities more welcoming. Penn State grad student workers have overwhelmingly voted to form a union. Unionized faculty at Harrisburg Area Community College have avoided a strike. A tentative agreement has been reached between school officials and the instructors, represented by the Pennsylvania State Education Association. Pennsylvania Senator John Fetterman is back in Washington D-C this week - after being hospitalized in Pittsburgh last week. About 70 protesters with March on Harrisburg demonstrated at the state Capitol Monday, calling for a ban on gifts to lawmakers. More than a dozen of the protesters were arrested after they blocked the entrances to the House and Senate wings. The Lancaster County Commissioners will vote on their latest annual budget plan on Christmas Eve - not December 10th as previously planned. The change follows a two-week delay in unveiling the 2026 budget.Support WITF: https://www.witf.org/support/give-now/See omnystudio.com/listener for privacy information.

Work In Harrisburg With Representative Gaydos full 471 Wed, 19 Nov 2025 16:11:41 +0000 b2kxKE6ZjWjfzNYkbXQK4T1qxdCKYqIa news,a-newscasts,top picks The Big K Morning Show news,a-newscasts,top picks Work In Harrisburg With Representative Gaydos The Big K Morning Show 2024 © 2021 Audacy, Inc. News News News News news News News News News News False https://player.amperwavepodcasting.com?feed-lin

12 - How did a terrorist get a CDL in Pennsylvania? Better yet, how did he get a Real ID when you need all this documentation? 1215 - Side - someone who had you fooled 1220 - A big announcement regarding the next Politics and Pints! 1230 - State Rep. Martina White joins us today as Harrisburg is abuzz regarding an Uzbek terrorist holding a CDL and Real ID in Pennsylvania. What are discussions like today at the Capital? How could something like this have happened? Why isn't Josh Shapiro speaking out on this? Will there be any updates on school funding for this year? What are they going to push for in the new year? Will this latest school choice budget get a yes or a no? 1250 - How will Scott Jennings react to Dom's driving? Your calls. 1 - Marjorie Taylor Green makes her case on Capitol Hill today as the Epstein Files get released. Is she doing this for the greater good or for her own personal interest? Should Republicans vote to release the files? 105 - Your calls. 120 - What is the real solution to student loan debt? Would marijuana be legal in PA if it came to a vote today? 130 - Chester County Commissioner Eric Roe joins us this afternoon. Do we have lead counsel into the investigation regarding the voting roll mishap on Election Day? Are there redundancies in the voting process within the county? What part of this whole process has bothered Eric the most? With so many provisional ballots being used this time, were they all counted like they should have been? As a county with vast resources, how could something like this have happened? 150 - Your calls. 2 - Are we getting to the bottom of the Epstein case? Mike Johnson speaks on the case. Will it be a unanimous vote? 215 - Dom's Money Melody! 225 - Is Fox missing the point with their Epstein vote coverage? Your calls. 250 - The Lightning Round! Wrapping up with what is to come tomorrow.

12 - How did a terrorist get a CDL in Pennsylvania? Better yet, how did he get a Real ID when you need all this documentation? 1215 - Side - someone who had you fooled 1220 - A big announcement regarding the next Politics and Pints! 1230 - State Rep. Martina White joins us today as Harrisburg is abuzz regarding an Uzbek terrorist holding a CDL and Real ID in Pennsylvania. What are discussions like today at the Capital? How could something like this have happened? Why isn't Josh Shapiro speaking out on this? Will there be any updates on school funding for this year? What are they going to push for in the new year? Will this latest school choice budget get a yes or a no? 1250 - How will Scott Jennings react to Dom's driving? Your calls.

(00:00:00) Located across the river from downtown Harrisburg, the Pennsylvania Regional Ballets launches this year's Nutcracker season. (00:21:54) The 34th Annual Will Huffman Toy Train Expo is "gathering steam" and bringing traditions to hundreds of children and families across Central Pa.Support WITF: https://www.witf.org/support/give-now/See omnystudio.com/listener for privacy information.

  Candid Catholic Convos 11.16.25   A weekly program produced by the Catholic Diocese of Harrisburg, Pa.   TITLE: Called by Name - Consecrated Life, Modern Witness   SHOW DESCRIPTION:   Pathways to Purpose is our brand-new video series launching on YouTube in January, and today we're privileged to hear from several of the nuns and sisters who will be featured in this series about their journey, the apostolates they've served, and their advice for young women discerning a call to religious life. SCRIPTURE: John 15:16 SAINT SPOTLIGHT: St. Therese of Liseux.  

In Harrisburg, key legislative leaders appear to be in agreement on a budget deal, which would end Pennsylvania's months-long budget impasse. The news broke late last night - and legislators in both chambers are expected to return this morning to approve the deal. Meantime in Washington, the Senate passed a bill to reopen the federal government late Sunday night, and the House is expected to take their first look at the bill today. In order to pass the budget bill, eight Democratic Senators broke rank with their party to reach a deal with Republicans to end the federal government shutdown. Pennsylvania Senator John Fetterman was among them. Some House members from Pennsylvania say it was a bad idea. Environmentalists have filed a lawsuit to stop the expansion of a major natural gas pipeline system in Pennsylvania and New Jersey. The project would include ten miles of new pipe in Lancaster County and an expanded compressor station in Chester County. A 27-year-old Carlisle woman is being charged with murder in connection with the death of her daughter. Annjalee Nunez is being charged more than two years after her 2-year-old daughter died from fentanyl toxicity. An EMS funding crisis is forcing some Berks County communities to consider new taxes or fees. Only about a dozen of Berks County's 72 municipalities have a designated EMS tax, according to reporting by our partners at Spotlight PA. A popular area state park campground will be closing for upgrades next year. Gifford Pinchot State Park, located in York County, will close its campground after Labor Day in September of 2026 and remain closed through 2027. Yesterday was Veterans Day – and we end today with the story of a Lancaster County soldier whose remains were just returned to his family in September.Support WITF: https://www.witf.org/support/give-now/See omnystudio.com/listener for privacy information.

Laura sits down with retired medical examiner and forensic pathologist Dr D'Michelle DuPre. Laura asks Dr DuPre about her expert opinion and assessment of Ellen's case including the 23 stab wounds and the many bruises on Ellen's body. Laura and Dr DuPre also discuss the investigative report written by Stephen Olszewski who went to the crime scene on behalf of the Philadelphia Medical Examiner's Office, Dr Osbourne's autopsy report and Dr Lindsey Simon's recent 32-page report reaffirming the suicide ruling.  Dr Michelle Dupre previously worked in law enforcement as a detective and specialised in child abuse and domestic violence cases. Together Laura and Dr Dupre share unique new insights into what happened to Ellen on January 26 2011. Clips https://fb.watch/DejA27gfBb/  Sources  Crime Analyst Series: The Case of Ellen Greenberg  Forensically Deconstructing the 911 Call   Crime Analyst YouTube episode with Dr Jaime Zuckerman   20 posts in the Crime Analyst Squad about Ellen Greenberg: patreon.com/CrimeAnalyst  Dr. Wayne Ross 2021 Report  Dr. Cyril Wecht 2012 Report  Stephen Olszewski 2011 report (available in the CA Squad)    #EllenGreenberg #Apartment603 #Hulu #JusticeForEllen #DomesticAbuse #CoerciveControl #SamuelGoldberg #Separation #Risk #Femicide #CrimeAnalyst #TrueCrime #Podcast #HiddenHomicide #HULU #DrMichelleDuPre #DrLindsaySimon #DrMarlonOsbourne #Autopsy #MedicalEvidence Advocacy and the Fight for Justice  Ellen Greenberg's parents have been fighting for fourteen years to seek justice for their daughter.   How You Can Help  Support Justice for Ellen by signing the petition.  Stay updated and show support on Facebook: Justice for Ellen Facebook.  Contribute to the GoFundMe campaign  Contact the Mayor of Philadelphia to request a closer investigation and advocate for justice for Ellen. You can reach out via:  Webpage: Philadelphia Mayor's Office  Twitter: @PhillyMayor  Facebook: @PhillyMayor  Instagram: @PhillyMayor  Mail: Pennsylvania Office of Attorney General, Strawberry Square, Harrisburg, PA 17120  Contact Governor Shapiro to request that Ellen's manner of death be officially listed as a homicide and that her murder be thoroughly investigated: Contact Governor Shapiro  You can find more from Dr Michelle DuPre here: https://dmichelledupremd.com/ Thank You to Crime Analyst Sponsors Who Make the Show Possible. Support The Show Through the Sponsors:  Rula patients typically pay $15 per session when using insurance. Connect with quality therapists and mental health experts who specialize in you at https://www.rula.com/crime #rulapod  Masterclasses and Crime Analyst Resources and Community  For those interested in learning more, Laura offers 2025 Masterclasses covering topics such as profiling behavior, preventing murder and suicide in slow motion, DASH, DASH Train the Trainer, coercive control, and stalking. Registration details and more training information are available at:  Register for Masterclasses  www.dashriskchecklist.com  www.thelaurarichards.com  The Crime Analyst Squad is a growing and dynamic community offering expert insight, in-depth conversations, exclusive episodes and videos, and live events. Join the community or follow along:  Patreon: Crime Analyst Squad  YouTube: @crimeanalyst  Facebook: Crime Analyst Podcast  Instagram: @crimeanalyst, @laurarichards999  Threads: @crimeanalyst  X (Twitter): @thecrimeanalyst, @laurarichards999  TikTok: @crimeanalystpod  Website: www.crime-analyst.com  If you found this episode valuable, please consider leaving a five start review wherever you listen. Learn more about your ad choices. Visit podcastchoices.com/adchoices

(RE_AIR)) He brags about his crimes for years, but nobody takes him seriously until 1992 ,when he's caught in the act. Now everyone is listening as police attempt to untangle the full mystery of Joseph Daniel Miller, and the private graveyard he creates outside of Harrisburg, Pennsylvania. DEVIANT host Dan Szematowicz takes introduces you to the serial killer you probably don't know about.  JOIN OUR PATREON: http://www.deviantpodcast.com Visit DEVIANT's socials: http://www.instagram.com/deviant.podcast http://www.tiktok.com/@deviant.podcast Copyright 2025 Cold Open Media LLC Learn more about your ad choices. Visit megaphone.fm/adchoices

On this Election Day, Pennsylvanians will decide whether three state Supreme Court Justices should keep their seats. The unprecedented spending and polarization this year has put off some voters. Partisan control of the court could have major implications for the 2028 presidential race, since justices might be asked to rule on election disputes, as they did in 2020. Republican lawmakers across the mid-Atlantic met in Harrisburg last week to discuss rising electricity bills. The Pennsylvania Department of Environmental Protection has issued a draft air permit to a natural gas fired power plant in Westmoreland County. Environmental groups say the draft has several flaws. American Water and Essential Utilities are merging. They’re the two largest municipal water and wastewater management companies in the United States. Both the Jewish Federation of Greater Harrisburg and the Roman Catholic Diocese of Harrisburg released statements in response to a controversial float in the Hanover Halloween parade last week. Seven hundred faculty members at Harrisburg Area Community College - HACC - went on strike yesterday. The Lancaster Stormers are under new ownership. Prospector Baseball Group acquired the minor league baseball team from four Lancaster-area businessmen who owned the Stormers for the past 12 years. Support WITF: https://www.witf.org/support/give-now/See omnystudio.com/listener for privacy information.

NOTICE: This weekly show is now part of the "Happy Hour with John Gaskins" daily podcast, which you can find at SiouxFallsLive.com, MidwestSportsPlus.com, and most podcast platforms like the one you find here! So, if you enjoy the topics Matt & John cover, you'll get those topics, plus relevant local guests, every Monday through Thursday on Happy Hour... so we highly recommend you check that out! What could possibly be better than shooting the bull over beers for an hour about the state of both Jackrabbit and Coyote football and the big "State vs U" Top 25 high stakes showdown on Saturday in the DakotaDome? How about shooting the bull while guzzling cans of the official in-state brewed beers of both universities?  The hosts of the weekly "Nobody's Listening Anyway" sure enjoyed the procedure. Happy Hour host John Gaskins and Sioux Falls Live sports editor Matt Zimmer cracked open the "Ears Up" SDSU beer from Sioux Falls' Ferson Brewing and the "Coyote Legacy" blonde ale from Vermillion's XIX Brewing.  It made for sublime liquid encouragement to bring out fluid and unfiltered observations of the Jacks' wretched 24-12 loss to lowly Indiana State and the Yotes' impressive, momentum-swinging, narrative-changing 26-21 mild upset of then-No. 8 North Dakota. As mentioned in Monday's show, all of a sudden this matchup between No. 8 SDSU and No. 22 USD seems different and a lot spicier given the changed and opposite recent trajectories of the teams.  Zim, the Jacks beat writer, pulls no punches in his analysis of how ugly and inexcusable SDSU's loss was. Meanwhile, can we definitively say the Yotes have figured out their winning formula?  Can USD beat the Jacks simply by running well, completing just a couple big downfield passes, and scoring with both defense and special teams? How can SDSU solve its offensive problems against a thriving defense that shut down one of the nation's best FCS offenses and quarterbacks?  Will Chase Mason play? If he does, will that make the difference between winning and losing? Who is the favorite? What percentage of the DakotaDome will be in blue? How far might this game go in determining these two teams' playoff fates? Oh, and which school has the better beer? Belly up with your own brew and take a listen. Along the way, you'll also hear about Augustana and USF's heaters with backup freshmen quarterbacks. Plus, a crystal ball look at the high school football state semifinals in Class 11AAA — Jefferson vs. Lincoln and Harrisburg vs. Brandon Valley. You can watch both games on TV or any device with the Midwest Sports+ app. Cheers!

If you want to see the 'super beaver moon' the best time will be late Tuesday night into early Wednesday morning, Harrisburg's Catholic Bishop apologizes for 'notorious symbol of hate' on grade school's Halloween float, Man prowling cars in Washington State is also suspected of stealing shoes from home's porch

In today's episode, our guests are Saul Alvarez, found of Midbrain, and Dr. Chantel Garcia, founder and owner of Carolina Eye Doctors in Harrisburg, NC, talking about the power of marketing and how your website and external marketing drives the experience your patients will have in your practice. Key Takeaways:While websites feel like old hat, they shouldn't. Your website should tell your story, evoke an emotion from your patients, and set them up for the experience they'll have in your practice before they actually step foot through the door. Language tone, colors, fonts, photos, and videos matter significantly.Your brand is all encompassing. Your decisions. Your patient experience. Your physical space. Your lighting. Your technology and equipment. A good marketing partner will take all those into consideration to build a strong foundation.Setting your processes and procedures to set your practice up for the success you want. Make the bold decision. Stick to it while it's tough. It will lead to the outcomes you want.Your personal story is a critical component of your brand. Tell it and tell it often. Offloading your marketing prevents you from telling that story effectively.To continue to grow, your strategy must evolve over time. As your strategy changes, invest in your marketing to support the specific goals you have for that time period.In the grand scheme of things, the basics of marketing are the most impactful. Dr. Garcia's PracticeWhat Saul is Reading:Letters from a Nut by Jim NancyPractice Advantage Reading List** Don't miss out on an extra $15 rebate for all commercial VSP Eye Exams this year - with $15 extended through June of 2026, and $10 thru the end of next year! Visit www.pecaaexamrebate.com now!**

Ron was in Aruba, Brian was at the Chiller Theater Convention, and we talk about both! A man was killed by a hot shower, a Taiwanese Airline asked a dead employee for a doctor's note, and Kash Patel lashed out at criticism over his plane usage. Aggressive monkeys are on the loose, a man had his entire potato harvest stolen, and a Harrisburg church had to apologize for an offensive Halloween float. We talk about what we're watching, discuss Game 7 of the World Series, and give you our NFL Locks of the Week!

Send us a textThe Paint by Murders - Harrisburg Homicide Mysteries podcast is an original podcast based on a series of unpublished mystery novels. It is written, hosted, and narrated by M. Travis DiNicola.This is the fourth and last episode of the fifth season.Paint by Murders – Harrisburg Homicide Mysteries, is an original podcast based on my mystery novels. Season four picks up where season three ended, and is based on my novella, MURDER ON THE ROCKS, and each episode features subsequent installments from the story.In this series the Capital city and its art galleries, bars, restaurants, and long-held secrets are featured in these cozy-inspired mysteries that are as unpredictable as the mighty Susquehanna River it sits onPaint by Murders features the painter, and amateur detective, Keith Reed, his wife Ginger, their crew of neighborhood friends, and the cozy, but sometimes dangerous city of Harrisburg. In the last episode, Keith and William uncovered more motives for Annie to kill Danny, and even Detective Henry was impressed by what Keith put up on his white board implicating her. But Keith had his doubts, which he shared with Charles, that perhaps the evidence against Annie was just a bit too neat. Keith then tried to confront Annie, at The River Room, with her motives, means, and lies but she told him that if he didn't have proof, he didn't have anything, and walked out. If you've been enjoying the episodes, please leave a review and share this with your friends.If you would like more information about the project, of have comments you would like to share, please do so on the social media pages where you found this, or email me at paintbymurders@gmail.comThanks for listening.

State Rep. Joanna McClinton runs Pennsylvania's House. She's a Philly Democrat and Speaker of the House of Representatives for the commonwealth, the top legislative Democrat in the state. And that means she's one of the very few people involved in negotiations over our state budget. That budget was due back on July 1st. But the legislature still hasn't passed it, and the consequences are dire. What's going on? McClinton tells host Trenae Nuri what's happening in Harrisburg.  Have you been affected by the state budget stalemate? Call or text us: 215-259-8170 Get Philly news & events in your inbox with our newsletter: Hey Philly We're also on Instagram: @citycastphilly You can support this show and get great perks by becoming a City Cast Philly Neighbor at membership.citycast.fm. Learn more about the sponsors of this episode: Penn Live Arts  Advertise on the podcast or in the newsletter: citycast.fm/advertise

High-Tech Coal Mining and Its Role in the Future of AI Energy. Salena Zito discusses her visit to a high-tech coal mine 1,200 feet below Pennsylvania, highlighting modern, filtered, and pristine working conditions. The industry offers high-paying, generational jobs, even for those with advanced degrees. Coal, alongside natural gas and nuclear power, is vital for providing the reliable, strong base load energy required by new AI data centers and the defense industry. 1907 HARRISBURG

Laura sits down with Nancy Schwartzman, director of the Hulu docuseries, Death in Apartment 603: What Happened to Ellen Greenberg and homicide cold case investigator Sarah Cailean to discuss the new review undertaken by Chief Medical Examiner Dr Lindsay Simon. The 32-page report was completed on October 10 2025 and concluded Ellen's case should remain classified as a suicide, despite documenting 20 bruises on Ellen's body in addition to the 11 noted in the original autopsy and a further 3 stab wounds taking the total to 23, including 10 to the back of her head and neck.  Cliphttps://youtu.be/i72Ao0Pqxc8?si=WhN8FL8m-ylzgYCe Sources  Crime Analyst Series: The Case of Ellen Greenberg  Forensically Deconstructing the 911 Call   Crime Analyst YouTube episode with Dr Jaime Zuckerman   20 posts in the Crime Analyst Squad about Ellen Greenberg: patreon.com/CrimeAnalyst  Dr. Wayne Ross 2021 Report  Dr. Cyril Wecht 2012 Report  https://www.hulu.com/series/death-in-apartment-603-what-happened-to-ellen-greenberg-b0338377-2cf8-43c4-98b7-5f907e9d51d1 Dr. Wayne Ross 2017 Report ·       CNN - She had 20 knife wounds and at least 11 bruises. Authorities said she killed herself Dec 2024 #EllenGreenberg #Apartment603 #Hulu #JusticeForEllen #DomesticAbuse #CoerciveControl #SamuelGoldberg #Separation #Risk #Femicide #CrimeAnalyst #TrueCrime #Podcast #HiddenHomicide #HULU #SarahCailean#NancySchwatzman #SamGoldberg #TrueCrimePodcast Advocacy and the Fight for Justice  Ellen Greenberg's parents have been fighting for fourteen years to seek justice for their daughter.   How You Can Help  Support Justice for Ellen by signing the petition.  Stay updated and show support on Facebook: Justice for Ellen Facebook.  Contribute to the GoFundMe campaign  Contact the Mayor of Philadelphia to request a closer investigation and advocate for justice for Ellen. You can reach out via:  Webpage: Philadelphia Mayor's Office  Twitter: @PhillyMayor  Facebook: @PhillyMayor  Instagram: @PhillyMayor  Mail: Pennsylvania Office of Attorney General, Strawberry Square, Harrisburg, PA 17120  Contact Governor Shapiro to request that Ellen's manner of death be officially listed as a homicide and that her murder be thoroughly investigated: Contact Governor Shapiro  You can find more from Sarah Cailean here: Instagram @caileansarah  Podcast: Who Took Misty Copsey? - Podcast - Apple podcasts https://share.google/iF8dU4zlnVfxTeKn8 Masterclasses and Crime Analyst Resources and Community  For those interested in learning more, Laura offers 2025 Masterclasses covering topics such as profiling behavior, preventing murder and suicide in slow motion, DASH, DASH Train the Trainer, coercive control, and stalking. Registration details and more training information are available at:  Register for Masterclasses  www.dashriskchecklist.com  www.thelaurarichards.com  The Crime Analyst Squad is a growing and dynamic community offering expert insight, in-depth conversations, exclusive episodes and videos, and live events. Join the community or follow along:  Patreon: Crime Analyst Squad  YouTube: @crimeanalyst  Facebook: Crime Analyst Podcast  Instagram: @crimeanalyst, @laurarichards999  Threads: @crimeanalyst  X (Twitter): @thecrimeanalyst, @laurarichards999  TikTok: @crimeanalystpod  Website: www.crime-analyst.com  If you found this episode valuable, please consider leaving a five start review wherever you listen. Learn more about your ad choices. Visit podcastchoices.com/adchoices

Laura continues her conversation with Sarah Cailean. In this episode Sarah shares what stood out to her most in her crime scene assessment and Laura highlights important medical evidence which reveals Ellen was most likely strangled. It's powerful bringing two leading expert behavioral analysts together to share their unique insights about what they believe, based on the facts and the evidence, happened to Ellen Greenberg. Both independently arrive at a similar conclusion: this was not a locked door mystery. You don't want to miss. Clips https://youtu.be/23d-1J0_geI?si=ijMbDgAQUPAF-BtS Sources  Crime Analyst Series: The Case of Ellen Greenberg  Forensically Deconstructing the 911 Call   Crime Analyst YouTube episode with Dr Jaime Zuckerman   20 posts in the Crime Analyst Squad about Ellen Greenberg: patreon.com/CrimeAnalyst  Dr. Wayne Ross 2021 Report  Dr. Cyril Wecht 2012 Report  Dr. Wayne Ross 2017 Report CNN - She had 20 knife wounds and at least 11 bruises. Authorities said she killed herself Dec 2024  #EllenGreenberg #Apartment603 #Hulu #JusticeForEllen #DomesticAbuse #CoerciveControl #SamuelGoldberg #Separation #Risk #Femicide #CrimeAnalyst #TrueCrime #Podcast #HiddenHomicide #HULU #SarahCailean Advocacy and the Fight for Justice  Ellen Greenberg's parents have been fighting for fourteen years to seek justice for their daughter.   How You Can Help  Support Justice for Ellen by signing the petition.  Stay updated and show support on Facebook: Justice for Ellen Facebook.  Contribute to the GoFundMe campaign  Contact the Mayor of Philadelphia to request a closer investigation and advocate for justice for Ellen. You can reach out via:  Webpage: Philadelphia Mayor's Office  Twitter: @PhillyMayor  Facebook: @PhillyMayor  Instagram: @PhillyMayor  Mail: Pennsylvania Office of Attorney General, Strawberry Square, Harrisburg, PA 17120  Contact Governor Shapiro to request that Ellen's manner of death be officially listed as a homicide and that her murder be thoroughly investigated: Contact Governor Shapiro  You can find more from Sarah Cailean here: Instagram @caileansarah  Podcast: Who Took Misty Copsey? - Podcast - Apple podcasts https://share.google/iF8dU4zlnVfxTeKn8 Thank You to Crime Analyst Sponsors Who Make the Show Possible. Support The Show Through the Sponsors: Save more with 20% off your first order at www.thrivecausemetics.com/CRIMEANALYST   Masterclasses and Crime Analyst Resources and Community  For those interested in learning more, Laura offers 2025 Masterclasses covering topics such as profiling behavior, preventing murder and suicide in slow motion, DASH, DASH Train the Trainer, coercive control, and stalking. Registration details and more training information are available at:  Register for Masterclasses  www.dashriskchecklist.com  www.thelaurarichards.com  The Crime Analyst Squad is a growing and dynamic community offering expert insight, in-depth conversations, exclusive episodes and videos, and live events. Join the community or follow along:  Patreon: Crime Analyst Squad  YouTube: @crimeanalyst  Facebook: Crime Analyst Podcast  Instagram: @crimeanalyst, @laurarichards999  Threads: @crimeanalyst  X (Twitter): @thecrimeanalyst, @laurarichards999  TikTok: @crimeanalystpod  Website: www.crime-analyst.com  If you found this episode valuable, please consider leaving a five start review wherever you listen.  Learn more about your ad choices. Visit podcastchoices.com/adchoices