Podcasts about hartford

Join Katie and Liz on another installment of True Crime New England's mini-episode series! Today, Katie starts off with the very troubling story of the disappearance of 9-year-old Nelida De Jesus Del Valle, who was last seen walking to school in Boston, Massachusetts in 1976. Then, Liz talks about the tragic and unecessary murder of father Nicholas Brown, who was shot and killed in Hartford, Connecticut in 2016. Both cases remain unsolved.Anyone with any information on the whereabouts of Nelida De Jesus Del Valle is asked to please call the Boston Police Department at (617) 343-4200. Investigators are asking anyone with information on the murder of Nicholas Brown to please contact the Hartford Police Department at 860-757-4000 or the tipline at 860-722-8477. 

Piper hosts Plaidcast in Person in front of a live studio audience at the Wadsworth Atheneum in Hartford, CT with guests Geoff Case, Clara & Stella Propp. Brought to you by Taylor, Harris Insurance Services.Host: Piper Klemm, publisher of The Plaid HorseGuest: Geoff Case, an accomplished rider and trainer, Case has produced horses for Team USA and coached students to top national titles. As a USEF ‘R' judge, he has officiated across the country, while his clinics worldwide focus on riding mechanics, horsemanship, and mental strength. Guest: Clara Propp, a three-time Junior Hunter Finals Grand Champion and 2024 NAYC Individual Gold Medalist, has successfully transitioned to the U25 jumper ranks at just 17 years old. She also shares her journey with over 60,000 followers on TikTok, combining sport and daily life as a competitive show jumper. Guest: Stella Propp, a top amateur hunter and jumper competitor balances her passion for the equestrian sport with the demands of studying at Brown University. Training alongside her sister, Clara, with Brianne Goutal, 22-year-old Stella Propp exemplifies the next generation of dedicated amateur riders. Title Sponsor: Taylor, Harris Insurance ServicesSubscribe To: The Plaid Horse MagazineSponsors: Purina, Foxhall Equine and Great American Insurance Group Join us at an upcoming Plaidcast in Person event!

Matt DuPlessie is founder and CEO of Level99, a real-world gaming venue designed for adults. He covers the origins of Level99, its unique concept of combining various physical and mental challenge rooms with high-quality dining, and plans for growth, including upcoming locations in Tysons, Virginia, Hartford, Connecticut, and Disney Springs in Orlando. Matt also discusses the technology and design process behind the games, the importance of integrating local art, and the investment in Level99 by Ron Shaich's Act 3 Holdings.  James Cook is the director of retail research in the Americas for JLL.  Subscribe: Apple Podcasts | Spotify  Listen: WhereWeBuy.show  Email: jamesd.cook@jll.com  YouTube: http://everythingweknow.show/ Read more retail research here:  http://www.us.jll.com/retail Theme music is Run in the Night by The Good Lawdz, under Creative Commons license.  

William Dean Howells (1837-1920) became fast friends with Mark Twain from the moment in 1869 when Twain strode into the office of The Atlantic Monthly in Boston to thank Howell, then its assistant editor, for his favorable review of Innocents Abroad. When Howells became editor a few years later, The Atlantic Monthly began serializing many of Twain's works, among them his non-fiction masterpiece, Life on the Mississippi.In My Mark Twain, Howells pens a literary memoir that includes such fascinating scenes as their meetings with former president Ulysses Grant who was then writing the classic autobiography that Twain would underwrite in the largest publishing deal until that time. But it is also notable for its affectionate descriptions of his friend's family life during Howell's many visits to the Twain residences in Hartford and Stormfield.Advertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

William Dean Howells (1837-1920) became fast friends with Mark Twain from the moment in 1869 when Twain strode into the office of The Atlantic Monthly in Boston to thank Howell, then its assistant editor, for his favorable review of Innocents Abroad. When Howells became editor a few years later, The Atlantic Monthly began serializing many of Twain's works, among them his non-fiction masterpiece, Life on the Mississippi.In My Mark Twain, Howells pens a literary memoir that includes such fascinating scenes as their meetings with former president Ulysses Grant who was then writing the classic autobiography that Twain would underwrite in the largest publishing deal until that time. But it is also notable for its affectionate descriptions of his friend's family life during Howell's many visits to the Twain residences in Hartford and Stormfield.Advertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

William Dean Howells (1837-1920) became fast friends with Mark Twain from the moment in 1869 when Twain strode into the office of The Atlantic Monthly in Boston to thank Howell, then its assistant editor, for his favorable review of Innocents Abroad. When Howells became editor a few years later, The Atlantic Monthly began serializing many of Twain's works, among them his non-fiction masterpiece, Life on the Mississippi.In My Mark Twain, Howells pens a literary memoir that includes such fascinating scenes as their meetings with former president Ulysses Grant who was then writing the classic autobiography that Twain would underwrite in the largest publishing deal until that time. But it is also notable for its affectionate descriptions of his friend's family life during Howell's many visits to the Twain residences in Hartford and Stormfield.Advertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

Good donor stewardship is rooted in human connection, where every donor is acknowledged regardless of the size of their contribution. In this episode, Sami Zoss sits down with Mikey Latner, founder of Project:Camp, to discuss how even the smallest nonprofit can create meaningful relationships with their supporters. Learn how Mikey makes his donors feel seen and appreciated, and how his passionate, human-centered stewardship transforms supporters into mission advocates. Free 30-minute fundraising consultation for NPFX listeners: http://www.ipmadvancement.com/free Want to suggest a topic, guest, or nonprofit organization for an upcoming episode? Send an email with the subject "NPFX suggestion" to contact@ipmadvancement.com. Additional Resources IPM's free Nonprofit Resource Library: https://www.ipmadvancement.com/resources [NPFX] Donor Stewardship: Helping Donors Find Meaning through Philanthropy https://www.ipmadvancement.com/blog/donor-stewardship-helping-donors-find-meaning-through-philanthropy [NPFX] Meaningful Donor Relationships: The Key to Financial Stability https://www.ipmadvancement.com/blog/meaningful-donor-relationships-the-key-to-financial-stability [NPFX] Measuring More than Money: Why Donor Relationships Matter https://www.ipmadvancement.com/blog/measuring-more-than-money-why-donor-relationships-matter [Blog] The Secret to Keeping Your Donors Giving: Make Them Feel Special https://www.ipmadvancement.com/blog/the-secret-to-keeping-your-donors-giving-make-them-feel-special [Blog] Writing a Great Thank You Letter: The First Step in Successful Donor Stewardship https://www.ipmadvancement.com/blog/writing-a-great-thank-you-letter-the-first-step-in-successful-donor-stewardship Sami Zoss is the founder of Zoss Collaborations, a business solutions consulting firm specializing in nonprofit growth and operational efficiency. With an MBA in Finance and Marketing, Sami brings a wealth of expertise in donor engagement, technology integration, and strategic planning to her clients. Before founding Zoss Collaborations, Sami served as the COO and later as Acting CEO of the Dakota State University Foundation, where she led record-breaking fundraising campaigns and implemented innovative donor engagement strategies that significantly expanded DSU's donor base. In addition to her work with educational institutions, she has been a dedicated volunteer with organizations like Camp Gilbert Inc., supporting children with Type 1 diabetes. https://www.linkedin.com/in/samizoss/ https://samizoss.com/ Mikey Latner is the executive director of Project:Camp. A former camp director with two decades of camp experience under his belt, Mikey founded Project:Camp with the idea that camp and childcare professionals have critical skills to offer in times of emergency. In developing their pop-up camp model, Mikey sought to use the structure of camp as a vehicle to bring joy, safety, and peace of mind to children and parents impacted by natural disasters. He hopes this work leads to a seismic shift in the disaster response ecosystem, creating a more holistic, trauma-informed and community-driven model that prioritizes the needs of families during emergencies. https://www.linkedin.com/in/mikey-latner-19b268171/ https://projectcamp.co/ Russ Phaneuf, a co-founder of IPM Advancement, has a background in higher education development, with positions at the University of Hartford, Northern Arizona University, and Thunderbird School of Global Management. As IPM's managing director & chief strategist, Russ serves as lead fundraising strategist, award-winning content creator, and program analyst specializing in applied system dynamics. https://www.linkedin.com/in/russphaneuf/ Rich Frazier has worked in the nonprofit sector for over 35 years. In his roles as senior consultant with IPM Advancement and founder of VisionConnect LLC, Rich offers extensive understanding and knowledge in capital campaigns, fund development, strategic planning, and board of directors development. https://www.linkedin.com/in/richfrazier/ https://www.visionconnectllc.com/

Finding a place to live at an affordable price in Connecticut is a tall task to say the least. But House Bill 5002 for many, was not the solution Connecticut needed, which is why the Governor vetoed the legislation and called for a special session to fix it in the fall. But before lawmakers head back to Hartford, conversations involving municipality leaders are happening now. Recently, a 90-minute zoom took place with the Connecticut Conference of Municipalities. We spoke with Stratford Mayor and CCM President, Laura Hoydick, about the meeting. Image Credit: Getty Images

#NHRA #DragRacing #Fastcars Get ready for an electrifying WFO Radio livestream hosted by Joe Castello, as he previews the Muckleshoot Casino Resort NHRA Northwest Nationals, happening July 18-20, 2025! This high-octane episode features special guests Matt Hartford, a standout Pro Stock driver fresh off his GETTRX Pro Stock All-Star Callout win, and Funny Car rookie Dylan Winefsky, bringing fresh energy to the NHRA Mission Foods Drag Racing Series. Join Joe as he dives into the excitement of the upcoming event, kicking off the NHRA's Western Swing with nitro-fueled action, including Friday night qualifying under the lights and the Mission #2Fast2Tasty Challenge. Expect in-depth race insights, driver interviews, and Joe's signature motorsports passion, all set against the thrilling backdrop of Pacific Raceways. Tune in to WFO Radio on YouTube or your favorite podcast platform to catch the action and get pumped for one of the most exhilarating weekends in NHRA's 36-year history at this iconic venue! 🎙️🚨 Don't miss out! Subscribe to WFO Radio for weekly NHRA updates, driver interviews, and exclusive motorsport content. Hit the bell 🔔 for notifications!

Episode Info Mary Boyd is a seasoned senior executive with over 30 years of experience leading businesses through transformative phases in their history that span invention, renovation, integration and rebuilding. Beyond her reputation for building, revitalizing, and integrating businesses, Mary has a proven track record of successfully translating strategic vision into reality. Her career is distinguished by spearheading large-scale operational, technological, and team transformations, driving significant growth and innovation across organizations. Mary's success lies in her ability to blend innovation with an agile approach, excelling at both seeing the big picture and identifying strategic opportunities in the finer details. Since 2006, Mary has held CEO, President and division leadership roles, consistently improving net income by optimizing channel economics, fostering best-in-class partnerships, building high-performance teams, and advancing operational excellence.  Mary currently serves as Chief Executive Officer of Hiscox USA, leading the business through its next phase of growth and commitment to supporting the small business landscape. In her role, Mary oversees the financial operations of Hiscox USA's nearly $1 billion commercial property and casualty business. She collaborates closely with her teams to drive near-term profitable growth while implementing a strategic vision that will markedly expand their reach to more of America's entrepreneurs. Mary joined Hiscox from Plymouth Rock Assurance Corporation, where she served as President and CEO of their Independent Agency Group, overseeing personal insurance and commercial auto businesses. Before that, she led Hartford's personal lines Direct-to-Consumer and Agency channels, following 15 years in high-net-worth personal lines. Mary began her insurance career at Chubb as an actuarial trainee, progressing through roles in Product and Pricing. She ultimately launched the Predictive Analytics practice for Chubb's Personal Lines division and later spent five years at ACE (now Chubb), where she served as President of their Private Risk Services division.  Mary earned her Bachelor of Arts degree in Applied Mathematics and Economics from Rutgers University. As a coach of youth sports, ambitious professionals, and entrepreneurs  Episode Highlights Introduction and Background Mary shares her experience and background in the insurance industry, highlighting her 30-year career and her role at Hiscox USA. Hiscox USA, part of a long-standing London-based company, started its operations in the US in 2006. Business Model and Growth Hiscox USA has transformed the small commercial business sector by offering online binding and digital partnerships, expanding its business to nearly a billion dollars. The company operates as an omnichannel business, engaging in direct sales, digital partnerships, and wholesale brokerage. Challenges and Opportunities The conversation touches on the challenges small business owners face, such as being underinsured, and how Hiscox aims to support them through education and tailored insurance solutions. The company is focused on being a leading insurer for entrepreneurs, emphasizing the need for holistic support beyond just sales. Innovation The discussion emphasizes the importance of AI and advanced tools in improving underwriting and efficiency across the insurance value chain. Hiscox has partnered with Google to leverage AI for better underwriting and insights. Future Outlook Mary discusses the future of Hiscox, highlighting the integration of data and analytics to enhance product offerings and maintain competitivenes. The company aims to continue its growth by being a better partner and protector for businesses, focusing on insights and protection rather than just speed. This episode is brought to you by The Future of Insurance book series (future-of-insurance.com) from Bryan Falchuk. Follow the podcast at future-of-insurance.com/podcast for more details and other episodes. Music courtesy of Hyperbeat Music, available to stream or download on Spotify, Apple Music, and Amazon Music and more.

In today's news: The Van Buren Youth Fair is now underway at the fairgrounds in Hartford. It's mid-July, a couple of weeks past the Michigan Legislature’s deadline to approve a budget, and it's still nowhere near that point. The Southwest Michigan Regional Chamber is highlighting a successful year of the Greater Bridgman Area Chamber and Growth Alliance, or CGA. See omnystudio.com/listener for privacy information.

In today's news: The Van Buren Youth Fair is now underway at the fairgrounds in Hartford. It's mid-July, a couple of weeks past the Michigan Legislature’s deadline to approve a budget, and it's still nowhere near that point. The Southwest Michigan Regional Chamber is highlighting a successful year of the Greater Bridgman Area Chamber and Growth Alliance, or CGA. See omnystudio.com/listener for privacy information.

In today's news: The Van Buren Youth Fair is now underway at the fairgrounds in Hartford. It's mid-July, a couple of weeks past the Michigan Legislature’s deadline to approve a budget, and it's still nowhere near that point. The Southwest Michigan Regional Chamber is highlighting a successful year of the Greater Bridgman Area Chamber and Growth Alliance, or CGA. See omnystudio.com/listener for privacy information.

This week on The Marvelists Eddie Wilson sits down with Sean Fernando, a key organizer of ConnectiCon, to dive into all things Marvel and geek culture as they gear up for the upcoming ConnectiCon XXII in Hartford, Connecticut! Taking place from July 17-20, 2025, at the Connecticut Convention Center, this multi-genre pop culture convention is a must-attend for Marvel fans and beyond. Eddie and Sean discuss what attendees can expect, from star-studded guest appearances to immersive panels, cosplay showdowns like the Masquerade and Cosplay Chess, and a vibrant Artist Alley. Want to join the fun? Sean shares how to snag tickets through the official ConnectiCon website at https://connecticon.org, with early bird passes available now! Tune in for an action-packed conversation about why ConnectiCon is Connecticut's ultimate pop culture celebration and get ready for an unforgettable weekend! Follow The Marvelists on X and Instagram @TheMarvelists and support the show at http://www.patreon.com/themarvelists.

On today's show: 1. Oliver Pluff & Co. website - oliverpluff.com 2. Facebook - facebook.com/oliverpluff 3. Instagram - instagram.com/oliverpluff 4. TikTok - tiktok.com/@oliverpluff 5. Oliver Pluff & Co. Opens First Store in Charleston - https://holycitysinner.com/food-bev/oliver-pluff-co-opens-first-store-in-charleston/ This episode's music is by Tyler Boone (tylerboonemusic.com). The episode was produced by LMC Soundsystem.

Many people think of movies as an escape from reality. But even when they transport us to a different time and place, movies can help us think more deeply about our present. This year, those thought provoking films have included Sinners, The Phoenician Scheme and Mickey 17. For our third annual summer movie panel, we’re breaking down recent films to see what they say about the world we live in today. We’ll cover everything from politics to artificial intelligence. GUESTS: James Hanley: one of the founders of Cinestudio in Hartford. Alissa Wilkinson: Movie Critic at The New York Times. Her latest book is We Tell Ourselves Stories: Joan Didion and the American Dream Machine. Walter Chaw: Senior Film Critic for FilmFreakCentral.net, author of A Walter Hill Film: Tragedy and Masculinity in the Films of Walter Hill and film instructor at the University of Colorado Denver. Movies mentioned in this episode: Alissa's recommendations: Seek out exciting, funny, exploratory documentaries in your local cinema. (You can find more of Alissa's documentary recommendations in her writing for The New York Times) Walter's recommendations: Eephus, Misericordia, April, Sharp Corner James' recommendations: No Other Land, Lee, Blitz Films that help us think about artificial intelligence: Mission: Impossible - The Final Reckoning, M3gan 2.0, Mickey 17, The Social Network, Soylent Green, S1m0ne, A.I. Artificial Intelligence Other films discussed: Sinners, The Phoenician Scheme, Jaws, Superman, 2001: A Space Odyssey Every other film mentioned: The Substance, Fatal Attraction, Jurassic World Rebirth, The Fantastic Four: First Steps, The Sugarland Express, The Wizard of Oz, The Exorcist, Star Wars, The Shining, Gattaca, The Truman Show, Friendship, Citizen Kane For more on Jaws, you can listen to CT Public's piece on its 50th anniversary. You can also listen to Disrupted's previous summer movie panels from 2023 and 2024.See omnystudio.com/listener for privacy information.

Get inspired by the incredible journey of Cassandra Hartford, founder and CEO of Reach, as she shares her rise from a challenging childhood to leading a successful real estate brokerage in Florida. Host Aaron Zucker dives deep into her story, revealing lessons learned, pivotal career moves, and what it takes to build and sustain success in commercial real estate.10:16 High School Trouble and Wrong Crowd13:27 Facing Consequences19:08 Brief California Experience Ends Abruptly21:26 Unqualified Success through Charisma30:11 Brokers vs. Agents: Different Industries32:15 Nationwide Real Estate Course Experience39:55 Mindset Over Skillset Hiring47:43 Unique Path in Commercial Real Estate50:54 Acquiring Brokerages Through Succession Gaps55:13 Be Likable, Not VanillaWeb: zuckerinvestmentgroup.comIG: instagram.com/zuckerinvestmentgroupX: twitter.com/ZIG_CRE

Get inspired by the incredible journey of Cassandra Hartford, founder and CEO of Reach, as she shares her rise from a challenging childhood to leading a successful real estate brokerage in Florida. Host Aaron Zucker dives deep into her story, revealing lessons learned, pivotal career moves, and what it takes to build and sustain success in commercial real estate.Web: zuckerinvestmentgroup.comIG: instagram.com/zuckerinvestmentgroupX: twitter.com/ZIG_CRE

Gregory Koch is a writer for Stadium Journey and Yankee fan based in Northern Virginia who's been to 130 different ballparks. Gregory shares how his baseball journey began with a trip to Yankee Stadium as a kid, and how it's evolved into a deep love for smaller leagues and historic community ballparks.We talk about his visits to every ballpark in the Valley Baseball League and the Cal Ripken Senior League, how he plans road trips to maximize baseball stops, and why he prefers the energy of local teams over the big-league experience. Gregory also recounts his recent trip through North Carolina, and a magical moment meeting Chompers in Hartford.  Find Gregory Online: BlueSky: gregorykoch.bsky.socialWebsite: stadiumjourney.comFind Baseball Bucket List Online:Twitter: @BaseballBucketFacebook: @BaseballBucketListInstagram: @Baseball.Bucket.ListWebsite: baseballbucketlist.comThis podcast is part of the Curved Brim Media Network:Twitter: @CurvedBrimWebsite: curvedbrimmedia.com

Jared from Hartford is being ghosted after a great first date. He wants to find out why his date isn't returning his texts. 

Author and poet Ocean Vuong grew up in Hartford, Connecticut. It's a city he describes as having beautiful, vibrant life. His mother worked in a nail salon and his stepfather worked in manufacturing. Speaking about his mother and aunts, who immigrated from Vietnam, Vuong says he was raised by storytellers. Today, Vuong is one of the nation's most celebrated storytellers. He's winner of a prestigious MacArthur "genius" Grant and a tenured professor at New York University. His new book, "The Emperor of Gladness," is set in the fictional town of East Gladness, Connecticut. Vuong said he started writing the book to start to navigate grief after his mother’s death. He joined us to talk about his book, and how growing up in Connecticut shaped his writing. GUEST: Ocean Vuong: writer, professor and author of "The Emperor of Gladness" Chloe Wynn, Coco Cooley and Isaac Moss contributed to this hour. Where We Live is available on Apple Podcasts, Spotify, Amazon Music, TuneIn, Listen Notes, or wherever you get your podcasts. Subscribe and never miss an episode.Support the show: http://wnpr.org/donateSee omnystudio.com/listener for privacy information.

Host Paul Pacelli kicked off Tuesday's "Connecticut Today" wondering why American politics allows partisan fighting so soon after a natural disaster like the deadly flooding in Texas (00:43). GOP State Sen. Rob Sampson dropped by to chat about a so-called legislative "rat" that made its way into the latest state budget (14:47), while Yankee Institute blogger Meghan Portfolio talked about the ongoing battle in Hartford over fiscal restraint (23:02). CBS News reporter Linda Kenyon joined us from the White House to talk about the latest meeting between President Trump and Israel's Prime Minister Benjamin Netanyahu (31:21) Image Credit: iStock / Getty Images Plus

David Hopkins is the President and CEO of The Urban League of Greater Hartford. He joins us to discuss the annual MOVE! 5K Race in Hartford on July 12th!

We're going to help you steer yourself toward a healthier life and more zen lifestyle as we bring in one of the principal instructors for the Yoga In Our City program. Learn all about these no-cost, accessible yoga classes being offered at parks in Bridgeport, Hartford, New Haven, and Waterbury, and how to get involved.

Hartford Business Journal's Greg Bordonaro joins us for this week's CT Business Blend where he discusses the numerous Parking spots expanding in Hartford.

PODCAST: This Week in Amateur Radio Edition #1375 - Full Version (With repeater ID breaks every 10 minutes) Release Date: July 5, 2025 Here is a summary of the news trending...This Week in Amateur Radio. This week's edition is anchored by Chris Perrine, KB2FAF, Dave Wilson, WA2HOY, Don Hulick, K2ATJ, Ed Johnson, W2PH, Will Rogers, K5WLR, Joshua Marler, AA4WX, Eric Zittel, KD2RJX, George Bowen, W2XBS, and Jessica Bowen, KC2VWX Produced and edited by George Bowen, W2XBS Approximate Running Time: 1:45:32 Podcast Download: https://bit.ly/TWIAR1375 Trending headlines in this week's bulletin service 1. VRG: Trump's Big Beautiful Bill Could Mean Slower Wi-Fi For You 2. AMSAT: AMSAT South Africa To Host 2025 Virtual Symposium On 68 Years Of Amateur Radio Progress 3. AMSAT: AMSAT Seeks Additional Volunteers For Moon Day At Dallas Frontiers Of Flight Museum 4. AMSAT: SpaceX Transporter-14 Rideshare Delivers Small Sats, Reentry Tech, and Memorial Ashes 5. AMSAT: Axiom-4 Reaches Orbit After Delays with Multinational Crew Bound for Space Station 6. AMSAT: Satellite Shorts From All Over 7. WAMU: Person Who Remained On WAMU Radio Tower For 3 Days Dies 8. WIA: Russia Moves Forward Planning New Space Station 9. ARRL: Call For Nominations For ARRL Director And Vice Director 10. ARRL: 2025 ARRL Field Day Declared A Success 11. ARRL: ARRL At HAM RADIO 2025 In Germany 12. ARRL: United States Radio Orienteering Champs Crowned 13. ARRL: The Panhellenic Celebration Of Maritime Week Is Being Revived This Year 14. Roger Smallwood, N8EKG, R and L Electronics Executive SK 15. New Record Set For Copying Callsigns In CW 16. Competitors From Russia Prepare For A Second Round Of Earth-Moon-Earth QSO's 17. Hurricane Response Communications Is Focus Of FCC Roundtable 18. Russia Is Constructing Modules For Its New Space Station 19. ARRL: ARRL Logbook Of The World returns to service from the cloud 20. ARD: JARL/Japan Amateur Radio League prepares to celebrate its upcoming 100th anniversary 21. ARRL: Monthly Volunteer Monitoring Report 22. RTBR: Majority Of US House Coalesces Behind The AM Radio In Vehicles Bill 23. AMSAT: HamSat to test new super-black paint that could fix satellite light pollution problem for astronomers 24. WIA: DxPedition receives financial support for upcoming operations 25. WIA: NASA and The US Department of Defence rehearse Artemis Rescue Mission 26. FCC: FCC finalizes its ban of certain telecommunications type certification bodies 27. ARD: Satellite communications company AST SpaceMobile seeks use of 70 centimeters at the FCC 28. Amateurs in Europe gear up for the upcoming Youngsters Of The Air Camp 29. China sets amazing new data transmission speeds with its orbiting satellites Plus these Special Features This Week: * Working Amateur Radio Satellites with Bruce Paige, KK5DO - AMSAT Satellite News * Foundations of Amateur Radio with Onno Benschop VK6FLAB, will tell us about The ARRL Incident of May 2024, A Year Later. * The DX Corner with Bill Salyers, AJ8B with all the latest news on DXpeditions, DX, upcoming radio sport contests, and more * Weekly Propagation Forecast from the ARRL * Will Rogers, K5WLR - A Century Of Amateur Radio: This week, Will piles us all into The Wayback Machine and takes us back to 1914, where we find the Radio Club of Hartford in Connecticut, held its first meeting on January 14th that year, and would soon play a larger role than most in amateur radio history * ARRL Monthly Volunteer Monitoring Report ----- Full Podcast (ID breaks every 10 mins for use on ham frequencies): https://www.twiar.net/twiarpodcast.rss Full Podcast (No ID Breaks for LPFM or personal listening): https://www.twiar.net/twiarpodcastlpfm.rss Truncated Podcast (Approximately 1 hour in length): https://www.twiar.net/twiarpodcast60.rss Website: https://www.twiar.net X: https://x.com/TWIAR Bluesky: https://bsky.app/profile/twiar.bsky.social Facebook: https://www.facebook.com/groups/twiari YouTube: https://bit.ly/TWIARYouTube RSS News: https://twiar.net/?feed=rss2 Automated (Full Static file, updated weekly): https://twiar.net/TWIARHAM.mp3 Automated (1-hour Static file, updated weekly): https://www.twiar.net/TWIAR1HR.mp3 This Week in Amateur Radio is produced by Community Video Associates in upstate New York, and is licensed under a Creative Commons Attribution-NonCommercial 4.0 International License. If you would like to volunteer with us as a news anchor or special segment producer please get in touch with our Executive Producer, George, via email at w2xbs77@gmail.com. Thanks to FortifiedNet.net for the server space! Thanks to Archive.org for the audio space.

As we wrap up the holiday weekend, we're going to help you steer yourself toward a healthier life and more zen lifestyle as we bring in one of the principal instructors for the Yoga In Our City program. Learn all about these no-cost, accessible yoga classes being offered at parks in Bridgeport, Hartford, New Haven, and Waterbury, and how to get involved. Then, we'll reach out to the folks at reSET to hear about their new fall programs aimed at advancing the social enterprise sector and providing inclusive entrepreneurial support across our state. And we'll close with a focus on youth employment challenges and opportunities being offered by The WorkPlace. Tune in and hear how this agency is connecting workers and employers with innovative and successful job programs - and helping young folks get a solid start in our workforce.

When you think of foods that give you a sense of home, what comes to mind? Culturally connected foods are those ingredients, dishes and tastes that connect you back to your heritage and cultural identity. For the AAPI community, finding those foods can be challenging. In May, Where We Live host Catherine Shen hosted a panel discussion called “Cultural Food Systems Through the AAPI Lens” at the Legislative Office Building in Hartford. The panel discussed ways to expand access to these foods and increase food security for all communities in Connecticut. Mia Ayer: Policy Manager at the Asian and Pacific Islander American Health Forum Dr. Helen Wu: Associate Professor of Psychiatry at UConn Health Quan Tran: Senior Lecturer in Ethnicity, Race and Migration at Yale Vicheth Im: Connecticut organic farmer Where We Live is available as a podcast on Apple Podcasts, Spotify, Amazon Music, TuneIn, Listen Notes, or wherever you get your podcasts. Subscribe and never miss an episode.Support the show: http://wnpr.org/donateSee omnystudio.com/listener for privacy information.

Why does the U.S. healthcare system feel so complex, expensive, and impossible to fix? In this eye-opening episode, healthcare strategist Judith Kunisch joins Joe Pardavila to demystify the labyrinth of American healthcare through the lens of her book, The Center of the Star: Understanding and Changing the US Healthcare System. Drawing on decades of frontline experience—from bedside nursing to Fortune 100 executive leadership—Kunisch breaks down the system's five interconnected sectors (patients/consumers, payers, providers, policymakers, and the "health industrial complex") and reveals why sustainable change must start from the "center of the star." Judith shares powerful stories—like saving Hartford's maternal health program by bridging insurers, policymakers, and providers—and debunks myths about AI's limits in diagnosis. For anyone overwhelmed by healthcare's complexity, this conversation offers clarity, hope, and a actionable framework for change.

Gov. Tony Evers says the new state budget will include one-point-four billion dollars for special education. The governor's office says he's reached a tentative bipartisan deal with Republican legislators. A majority of the Watertown School Board has resigned in the last six months. And, we hear from a Wisconsin comic book artist whose zombie book "Revival" is now a series on the Syfy channel.

Hartford Mayor Arunan Aralampalam joins us to discuss the city of Hartford and all the things that are being developed and completed.

What physical activity gives you joy? Whether it's walking, running, dancing or swimming, your body evolved to do it. We are made for movement. But there's a cost, as anyone with a sore neck or aching back knows. From the tiny muscles in our skin, which raise the hair on our arms, to the intricate mix of bone, blood vessels, and nerves in our neck, natural selection has struck a delicate and sometimes wacky balance between utility and form. In this episode, we explore how parts of the body - our muscles, neck and feet - came to be, and what forces prompted the evolution of efficient yet imperfect bodies. Guests: Kent Dunlap - Professor of biology at Trinity College in Hartford, Connecticut and author of “The Neck: A Natural and Cultural History” Bonnie Tsui - Journalist and author of “On Muscle: The Stuff That Moves Us and Why It Matters” Jeremy DeSilva - Anthropologist at Dartmouth College and author of “First Steps, How Upright Walking Made Us Human” Featuring music by Dewey Dellay and Jun Miyake You can get early access to ad-free versions of every episode by joining us on Patreon. Thanks for your support! Big Picture Science is part of the Airwave Media podcast network. Please contact advertising@airwavemedia.com to inquire about advertising on Big Picture Science. Learn more about your ad choices. Visit megaphone.fm/adchoices

What physical activity gives you joy? Whether it's walking, running, dancing or swimming, your body evolved to do it. We are made for movement. But there's a cost, as anyone with a sore neck or aching back knows. From the tiny muscles in our skin, which raise the hair on our arms, to the intricate mix of bone, blood vessels, and nerves in our neck, natural selection has struck a delicate and sometimes wacky balance between utility and form. In this episode, we explore how parts of the body - our muscles, neck and feet - came to be, and what forces prompted the evolution of efficient yet imperfect bodies. Guests: Kent Dunlap - Professor of biology at Trinity College in Hartford, Connecticut and author of “The Neck: A Natural and Cultural History” Bonnie Tsui - Journalist and author of “On Muscle: The Stuff That Moves Us and Why It Matters” Jeremy DeSilva - Anthropologist at Dartmouth College and author of “First Steps, How Upright Walking Made Us Human” Featuring music by Dewey Dellay and Jun Miyake You can get early access to ad-free versions of every episode by joining us on Patreon. Thanks for your support! Big Picture Science is part of the Airwave Media podcast network. Please contact advertising@airwavemedia.com to inquire about advertising on Big Picture Science. Learn more about your ad choices. Visit megaphone.fm/adchoices

Day 20: Ocean Vuong reads his poem "The Last Dinosaur.” This poem first appeared in a slightly different form in The Boston Review (2021) and in his collection Time is a Mother (Penguin Press, 2022). Writer, professor, and photographer, Ocean Vuong is the author of The Emperor of Gladness. Born in Saigon, Vietnam and raised in Hartford, Connecticut in a working class family of nail salon and factory laborers, he currently splits his time between western Massachusetts and New York City, where he serves as a Professor in Modern Poetry and Poetics in the MFA Program at NYU. Text of today's poem and more details about our program can be found at: deerfieldlibrary.org/queerpoemaday/ Find books from participating poets in our library's catalog.  Queer Poem-a-Day is a program from the Adult Services Department at the Library and may include adult language.  Queer Poem-a-Day is founded and co-directed by poet and professor Lisa Hiton and Dylan Zavagno, Adult Services Coordinator at the Library and host of the Deerfield Public Library Podcast. Music for this fifth year of our series is “L'Ange Verrier” from Le Rossignol Éperdu by Reynaldo Hahn, performed by pianist Daniel Baer. Queer Poem-a-Day is supported by generous donations from the Friends of the Deerfield Public Library and the Deerfield Fine Arts Commission.  

Why Modern B2B Sales Starts with Founders: Insights from Gabe Lullo of AlleyoopOn this episode of The Thoughtful Entrepreneur, host Josh Elledge speaks with Gabe Lullo, CEO of Alleyoop, a leading B2B sales development company. Gabe dives into the critical strategies that modern founders and sales teams need to adopt—covering everything from founder-led sales and shifting lead generation tactics to building authentic engagement through personal branding. This episode is a goldmine for startup founders, sales leaders, and anyone aiming to scale their outbound strategy with more precision and impact.Building a Modern B2B Sales EngineGabe emphasizes that founders must be on the front lines of sales early in their journey. Founders bring unmatched product knowledge and passion that resonates with early customers and helps shape go-to-market messaging. These firsthand sales experiences offer valuable insight into what prospects actually care about, allowing for real-time iteration and refinement. Gabe cautions against hiring a VP of Sales too early—founders need to establish a repeatable, scalable process before expanding the team.In today's sales environment, traditional cold emailing is losing its edge due to regulation and deliverability challenges. Gabe recommends a return to high-impact basics: cold calling and content creation. Phone calls allow for real-time, human interaction, while content—especially on LinkedIn—builds trust and positions founders as thought leaders. Gabe practices what he preaches with his consistent posting strategy and his podcast, Do Hard Things, which highlights authentic stories of grit and resilience.Gabe also explains how Alleyoop helps B2B companies bridge the gap between marketing and sales. Their done-for-you systems manage appointment setting, lead qualification, and process optimization for clients ranging from startups to giants like Adobe and Zoom Info. For founders ready to scale their outreach, Gabe recommends focusing on authenticity, strategic connection building, and consistent engagement to generate high-quality pipeline.About Gabe LulloGabe Lullo is a seasoned entrepreneur and executive with deep expertise in sales, marketing, recruiting, and management. After graduating from the Barney School of Business at the University of Hartford, he launched his own sales, training, and marketing firm, which he successfully ran for over a decade. Gabe has also had a notable career in executive recruiting, expanding placements across IT, software development, sales, customer success, and executive leadership. As CEO of Alleyoop, he focuses on company culture, customer success, and scalable sales systems.About AlleyoopAlleyoop builds high-performing sales development systems for B2B clients. Their services include lead qualification, appointment setting, and outbound process design tailored for scalable growth.Links Mentioned in this EpisodeAlleyoop WebsiteGabe Lullo on LinkedInEpisode HighlightsFounders must lead sales to learn and iterate earlyCold calling and content outperform traditional cold emailLinkedIn content builds brand and trustAlleyoop connects marketing to sales with proven systemsAuthentic storytelling drives long-term engagementConclusionGabe Lullo delivers a compelling roadmap for building and scaling a sales engine rooted in authenticity, process, and founder-led momentum.

It's a wrap to the NBA season with the OKC Thunder winning their first NBA title and now the attention immediately turns to the NBA Draft and the name Cooper Flagg. And, we're ready to talk about it all on the newest "Last Word on Sports Media Podcast."Host T.J. Rives returns and welcomes guest "The Famous Jay" Betsill of DFWSportsOnline.com to go over it all.What about the game 7 "bump" in TV audience for Disney/ABC? But, also, bigger how abominable has ESPN/ABC's pregame and halftime show become? The guys discuss.Then, they turn to the Dallas Mavericks, who will take the phenom Flagg on Wendesday night at the draft on ESPN from Brooklyn, NY. How's the Dallas market handling all of this and the anticipation of Flagg being the new "star of the NBA" potentially 2-3 years down the road? Jay has the insight.We also talk some golf with the wrap up to the U.S. Open title won by J.J. Spaun dramatically and followed by Keegan Bradley winning in thrilling fashion Sunday in Hartford on the final hole. Now, will Bradley pick himself to be a "playing captain" on the USA Ryder Cup team against the Europeans this Fall?The boys also discuss the end of the NHL Stanley Cup playoffs with the Florida Panthers winning it all and going back to back for titles. They also talk the coverage and can anything help boost the audience to a competitive level with the NBA or MLB or is there no hope?There's even some brief pop culture discussion of the new Brad Pitt sports movie "F1" as he plays a fictitious Formula One driver and the film is getting lots of hype.It's all part of the "LWOS Media Podcast" and make sure to follow/subscribe on Apple/Spreaker/Spotify, etc. for all of our coverage.

It's a wrap to the NBA season with the OKC Thunder winning their first NBA title and now the attention immediately turns to the NBA Draft and the name Cooper Flagg. And, we're ready to talk about it all on the newest "Last Word on Sports Media Podcast."Host T.J. Rives returns and welcomes guest "The Famous Jay" Betsill of DFWSportsOnline.com to go over it all.What about the game 7 "bump" in TV audience for Disney/ABC? But, also, bigger how abominable has ESPN/ABC's pregame and halftime show become? The guys discuss.Then, they turn to the Dallas Mavericks, who will take the phenom Flagg on Wendesday night at the draft on ESPN from Brooklyn, NY. How's the Dallas market handling all of this and the anticipation of Flagg being the new "star of the NBA" potentially 2-3 years down the road? Jay has the insight.We also talk some golf with the wrap up to the U.S. Open title won by J.J. Spaun dramatically and followed by Keegan Bradley winning in thrilling fashion Sunday in Hartford on the final hole. Now, will Bradley pick himself to be a "playing captain" on the USA Ryder Cup team against the Europeans this Fall?The boys also discuss the end of the NHL Stanley Cup playoffs with the Florida Panthers winning it all and going back to back for titles. They also talk the coverage and can anything help boost the audience to a competitive level with the NBA or MLB or is there no hope?There's even some brief pop culture discussion of the new Brad Pitt sports movie "F1" as he plays a fictitious Formula One driver and the film is getting lots of hype.It's all part of the "LWOS Media Podcast" and make sure to follow/subscribe on Apple/Spreaker/Spotify, etc. for all of our coverage.

Many nonprofits invest valuable time and money into messaging that never quite connects. In today's episode, Josh Gryniewicz interviews Kurt Shaw about innovative strategies for finding and amplifying the voices that inspire action and change. You'll learn practical techniques for building trust, co-creating stories with community members, and using both fictional and non-fictional narratives to reveal deeper truths that challenge the status quo and create more genuine, transformative communication. Free 30-minute fundraising consultation for NPFX listeners: http://www.ipmadvancement.com/free Want to suggest a topic, guest, or nonprofit organization for an upcoming episode? Send an email with the subject "NPFX suggestion" to contact@ipmadvancement.com. Additional Resources IPM's free Nonprofit Resource Library: https://www.ipmadvancement.com/resources [NPFX] Flipping the Script: Using Narrative Strategy to Improve Messaging and Prevent Donor Attrition https://www.ipmadvancement.com/blog/flipping-the-script-using-narrative-strategy-to-improve-messaging-and-prevent-donor-attrition [NPFX] Breaking Down Barriers to Social Change https://www.ipmadvancement.com/blog/breaking-down-barriers-to-change [NPFX] How Nonprofits Can Stop the Spread of Fake News & Misinformation with Storytelling https://www.ipmadvancement.com/blog/how-nonprofits-can-stop-the-spread-of-fake-news-misinformation-with-storytelling [NPFX] When Your Nonprofit's Case for Support Just Isn't Working https://www.ipmadvancement.com/blog/when-your-nonprofit-s-case-for-support-just-isn-t-working [NPFX] Engaging Audiences with Effective Messaging & Storytelling — What Works on Tough Issues https://www.ipmadvancement.com/blog/engaging-audiences-with-effective-messaging-storytelling-what-works-on-tough-issues Josh Gryniewicz, founder of Odd Duck, a storytelling for social change consultancy, has spent his career in nonprofit. He served as the communication director for Cure Violence, an internationally renowned violence prevention program featured in the award-winning film The Interrupters. Josh helmed the rebrand of Integrate Health, a global health initiative in West Africa, helping increase their budget by nearly $1 million. Most recently, Josh led communication efforts for Data Across Sectors for Health (DASH), a program focused on national multi-sector data sharing to address social determinants of health. He is the co-author of the national bestseller, Interrupting Violence, a moving story of redemption and social change. https://www.linkedin.com/in/jgryniewicz/ https://oddduck.io/ Kurt Shaw studied philosophy at Williams and classics at Harvard, but his most formative education came from two years in Central American refugee camps and Colombian slums, where he found the thinking of poor and marginalized people more compelling than that of many philosophers. Kurt built the world's largest network of grassroots organizations serving street children, helping reduce the number of kids living on Latin American streets. With co-director Rita da Silva at Usina da Imaginação, he pioneered collaborative filmmaking with youth — directing the first feature made entirely by ex-child soldiers, producing an indigenous telenovela in Bolivia, and creating the first fictional film in the Amazonian Tukano language. Their film The Princess in the Alleyway was named Best Film of 2017 by the Subversive Cinema Society, and their 2019 documentary The Other Side of the Other aired for two years on Brazilian public TV. In addition to publishing academic articles, novels, and books on topics from political philosophy to Amazonian epidemiology, he's also produced hip-hop and pop albums, and earned a Fulbright, Harvard's First Decade Award, the Freedom to Create Prize, and the UN Intercultural Innovation Award. In 2022, he was named an Academic Visitor at Oxford University. https://usinadaimaginacao.org/ https://br.linkedin.com/company/usina-da-imagina%C3%A7%C3%A3o/ https://www.youtube.com/watch?v=W7QgkCOElSc https://shinealight.org Russ Phaneuf, a co-founder of IPM Advancement, has a background in higher education development, with positions at the University of Hartford, Northern Arizona University, and Thunderbird School of Global Management. As IPM's managing director & chief strategist, Russ serves as lead fundraising strategist, award-winning content creator, and program analyst specializing in applied system dynamics. https://www.linkedin.com/in/russphaneuf/ Rich Frazier has worked in the nonprofit sector for over 35 years. In his roles as senior consultant with IPM Advancement and founder of VisionConnect LLC, Rich offers extensive understanding and knowledge in capital campaigns, fund development, strategic planning, and board of directors development. https://www.linkedin.com/in/richfrazier/ https://www.visionconnectllc.com/

In this episode, we explore the coastal charm and rich history of Rhode Island and Connecticut! From Newport's iconic Cliff Walk and Gilded Age mansions to Mystic's seaside vibes and Yale's historic campus, we're sharing the top sights, foodie finds, and travel tips you need for the perfect New England getaway.We recommend staying in any of these New England hotels on this trip:Providence, RI: Omni Providence or Residence Inn Providence DowntownNewport, RI: Newport Bay Club and Hotel or Marshall Slocum InnNew Haven, CT: The Blake Hotel or Hotel Marcel New Haven See more things to do in New England on our Viator New England ListAirports in this region are Providence, Boston,Hartford, or Manchester. Find a great flight deal to these airports by signing up for Thrifty Traveler Premium and watching the daily flight deals (points & cash) that are emailed directly to you! Use our promo code TS10 to get $10 off your first year subscription.—---------------------------------------Shop: Trip Itineraries ⁠& ⁠Amazon Storefront ⁠Connect: ⁠YouTube⁠, ⁠TikTok⁠, and ⁠Instagram⁠⁠ ⁠and contact us at travelsquadpodcast@gmail.com to submit a question of the week or inquire about guest interviews and advertising. Submit a question of the week or inquire about guest interviews and advertising.

This week, Jason is joined by  social media personality, content creator, and star of the Savannah Bananas baseball team, Jackson Olson! Jackson, a former collegiate baseball player who had inspirations to go pro after school, gained recognition from his baseball related TikTok content. After raking in over 2.5 million followers, he caught the eye of the MLB and Savannah Bananas, eventually giving him roles in social media and on the team and becoming the star attraction. The Savannah Bananas are the semi-pro baseball team focused around the fan experience with their brand of banana ball similar to the decades long format of the Harlem Globetrotters.  Jackson shares why he turned down being drafted by the Diamondbacks and how the pandemic reshaped the MLB draft. He opens up about the financial realities of minor league life compared to the majors, the decision to work for Instacart and document it online, and the full-circle moments that followed in his social media journey. From joining the first wave of MLB content creators in 2021 to carving out a role with the Savannah Bananas, Jackson dives into the business side of baseball entertainment, how he handles negotiations, and what it means to break the barrier between fan and player. He also touches on landing his Reebok deal, why he follows his energy over just his dreams, what keeps him mindful of his online presence, his current relationship status, spending habits, and more. Jackson reveals all this and so much more in another episode you can't afford to miss! Host: Jason Tartick Co-Host: David Arduin Audio: John Gurney Guest: Jackson Olson Stay connected with the Trading Secrets Podcast!  Instagram: @tradingsecretspodcast  Youtube: Trading Secrets Facebook: Join the Group All Access: Free 30-Day Trial  Trading Secrets Steals & Deals! IDEO U: Feel like you're falling behind on Al? Boost your impact and drive your team forward with IDEO U's online learning experiences, including their new Al & Design Thinking Programs. You'll master machine learning with IDEO's signature human-centered approach. Class starts soon, so enroll today! For a limited time, IDEO U is offering 15% OFF SITEWIDE! Go to IDEOU.com/TRADINGSECRETS. UpWork: Upwork is the hiring platform designed for the modern playbook, where you can find, hire, and pay expert freelancers who can deliver results from day one. Perfect for businesses on tight budgets, fast timelines, and zero room for error. For a $200 credit after spending $1,000 in your first thirty days, Visit Upwork.com/save right now for this great offer. Quince: As the temps start rising, fulfill that  familiar urge to refresh your closet with Quince.  Their clothes are timeless, lightweight, and far more elevated than anything else at this price. Give your summer closet an upgrade-with Quince. Go to Quince.com/tradingsecrets for free shipping on your order and 365-day returns. This Is Small Business Podcast: if you're building something, dreaming big, or just constantly thinking about your next move... I've got a podcast you need to check out. It's called This Is Small Business hosted by Andrea Marquez, and Season 6 just dropped. If you're plotting your next move - maybe launching that side hustle, scaling a business, or pivoting hard - go check out This Is Small Business. Avelo Air Tired of long layovers and airport chaos? Let's change that by saying Hello to Avelo. Avelo Airlines offers nonstop service to over 50 destinations across the U.S, including Nonstop service to 30 cities from New Haven and Hartford. That vacation you've been thinking about? It's just a click away. Book your trip now at AveloAir.com and use promo code SECRETS20 for $20 off round trip base fares* when you book by 6/30/25 *Restrictions apply. Discount applies to round trip base fares only. Valid for travel through 11/30/25. Must be purchased by 11:59 p.m. PT on 6/30/25. See AveloAir.com Contract of Carriage for full details.

Keith discusses the new power shift in the housing market, where buyers now have more power in the Northeast and Midwest.  Ken McElroy joins us to discuss the current state of the real estate market, highlighting a significant decline in apartment building values and a predicted further drop in home ownership rates, potentially below 60%. They note that while some states, like Arizona, have surpassed pre-pandemic housing supply levels, others, like the Northeast and Midwest, still face shortages. Ken emphasizes the importance of affordability and the shift towards renting, predicting a significant increase in renters. He also shares insights on strategic property investments and the benefits of buying at current market lows. Resources: Use the discount code "KEN10" to get a discount on the Limitless Expo event. Show Notes: GetRichEducation.com/559 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.  You get paid first: Text FAMILY to 66866 Will you please leave a review for the show? I'd be grateful. Search “how to leave an Apple Podcasts review”  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— text ‘GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Automatically Transcribed With Otter.ai  Keith Weinhold  0:01   Welcome to GRE. I'm your host. Keith Weinhold, apartment building values have crashed about 30% in the past few years. Well, it's the opinion of today's qualified guest that it's going to get even worse from here. We'll also discuss why rents in the Phoenix area are declining, and a bold prediction on a collapse in the home ownership rate and the hordes of renters that that will create all today on get rich education.   Mid south home buyers, I mean, they're total pros, with over two decades as the nation's highest rated turnkey provider, their empathetic property managers use your ROI as their North Star. So it's no wonder that smart investors just keep lining up to get their completely renovated income properties like it's the newest iPhone. They're headquartered in Memphis and have globally attractive cash flows and A plus rating with a better business bureau and now over 5000 houses renovated. There's zero mark up on maintenance. Let that sink in, and they average a 98.9% occupancy rate, while their average renter stays more than three and a half years. Every home they offer has brand new components, a bumper to bumper, one year warranty, new 30 year roofs, and wait for it, a high quality renter. Remember that part and in an astounding price range, 100 to 180k I've personally toured their office and their properties in person in Memphis, get to know Mid South. Enjoy cash flow from day one. Start yourself right now at mid southhomebuyers.com that's mid south homebuyers.com   Speaker 1  1:59   You're listening to the show that has created more financial freedom than nearly any show in the world. This is get rich education.   Keith Weinhold  2:15   Welcome to GRE from the Tigris to the Euphrates to the Mississippi and across 188 nations worldwide. I'm Keith Weinhold GRE founder Forbes real estate council member, Best Selling Author, look for my work in the USA today as well, and you are back inside for another wealth building week of get rich education. What's all that really mean? Ah, I'm just another slack jawed mouth breather with a mic here. Before we get to today's guest, Ken McElroy, let me tell you about housing's new power shift and where we're at today. Three to five years ago, sellers held all the power in virtually every market because the housing supply was so miserably low everywhere. So you had more one tours of real estate and few that were willing to sell. That is still mostly true on a national level, but the new power shift is about the fact that the Northeast and Midwest are replete with home buyers. Queues of buyers are lining up for the few available properties like I've touched on before, and look low available housing supply in these areas, the Midwest and Northeast, that's not a symptom of mass in migration. Hordes of people are not stampeding into Buffalo for the nightlife. It's all due to chronic under building, partly from strict regulation, especially in the Northeast. A big part of the power shift, though, is that we now have fully 10 states that are above pre pandemic supply levels, and you'll notice that none of these are in the Midwest and Northeast. The 10 states are Arizona, which we'll talk about more today, Colorado, Florida, Idaho, Hawaii, Oregon, Tennessee, Texas, Utah and Washington. Here in these places, is where the tables have turned, because supply is catching up with demand in those 10 states. So that's where we're seeing softer home price growth and where buyers have the power, these are some of the states where you can find better deals. Motivated sellers and builders in these places will often buy down your mortgage rate, give you closing cost credits or reward you with incentives, like a free year of property management. In fact, our GRE investment coaches guide you for free to exact property addresses where builders will buy down your mortgage rate to 5% today, one of them will even give you a $9,800 post close credit instead, if you so choose. Often do. Those like that are in those 10 states. They're elsewhere too. You can get started at GRE investment coach.com, conversely, 40 states have less for sale housing inventory than they did as compared to pre pandemic times. This is where sellers still have the power some of the most competitive markets in the nation are buffalo, Hartford, Providence and Boston, where more than 10 active home buyers vie for every single listing. That's per Zillow. That's sort of the real estate equivalent of a Taylor Swift or Beyonce ticket queue. At the other end of the spectrum, shoppers have an easier time in Miami with only 2.6 shoppers per listing, followed by Houston at 3.4 New Orleans at 3.5 and San Antonio at 4.3 nationally active listings are up 31% over last year. That's quite a bit, but we're still 12% below pre pandemic, 2019 inventory levels. And is all this good news or bad news? It totally depends on who you are. If you're holding property in the Northeast and Midwest, you're pretty happy about this strong appreciation in the single family space, but in the southeast, appreciation is non existent. There's even mild depreciation, especially in parts of Florida. If you're looking to own more property in the nation's southeast quadrant, you're now enjoying less buyer competition. In fact, sellers are competing for you, and let's avoid being too assuming. Here I've been talking about things on the state level. States are not monoliths. Philadelphia is not Pittsburgh, Seattle is not Yakima. Cities have different supply situations. Even within one city, the scenario varies, of course, really the bottom line here is that today's recovery from 2022 national supply abyss has been an uneven recovery, where builders are frozen, appreciation soars, where builders hustle, buyers win. So if you're looking for deals, find that short queue.    Today's guest is a familiar one to GRE listeners. He's based in Scottsdale, Arizona, which is the Phoenix Metro. Arizona, though it's fast growing, is still just the 14th most populous state, but Arizona is an interesting market, because we're going to get to see what happens when you have an overbuilt condition, like we do there. We'll discuss that market and the national market as well. Get a key gage on the direction of rents, occupancy and prices, first in the single family space, and then we'll talk about apartments. Anyone that's paid attention to real estate that past few years. Knows that when mortgage rates spiked in 2022 single family values have held up, apartment values plummeted due to their interest rate resets. We'll get insight on if the beleaguered apartment space has bottomed out price wise, or if apartment values still have further to fall.    I'd like to welcome in frequent GRE guest, and he was also one of our earliest back in 2015 Ken McElroy. Ken authored a bunch of successful books, both within and outside of the rich dad series. He's also a well known, successful apartment syndicator with over 10,000 units across several states, and he's also in other parts of the commercial real estate sector, including billboards and self storage. So it's really great to have back on the show. Ken McElroy   Ken McElroy  8:57   good to be here, Keith, thank you. It's been 10 years, man, since we've been doing   Keith Weinhold  9:01   this? Yes, 10 years back in episode 25 since you were first here, more than a decade of this. So we know each other's work really well, and it's such an interesting time in the apartment space. I want to get to that later in our conversation today and really find out if you think that the apartment space has bottomed out. But before we do that, let's talk about the single family space. The audience should know that you can meet both Ken and I in person, as we're both faculty members on the spectacular real estate guys Investor Summit C, which is actually underway now. We're recording this just before the summit. So let's discuss the direction of rents and occupancy. We'll get to price later and Ken although most states still have a housing shortage statewide, Arizona's active housing inventory for sale is 24% above pre pandemic levels. That's what realtor.com tells us, and this. Deeply due to a lot of building, a lot of building usually does not bode well for price growth or rent growth. So tell us about rent, direction and occupancy in the single family space in the Phoenix Metro.   Ken McElroy  10:15   There's a bunch of things happening in the Arizona market. First of all, one is we've had a lot of people move here right in the last 4,5,6, years. Yeah, post pre pandemic, post pandemic, all of that. We are a pretty small state. You got Phoenix, got Tucson, you got Flagstaff, a bunch of other small cities that kind of surround some of those. But it's not like a Texas or a Washington or a lot of these California, like a lot of states, and have a lot of cities to draw from. If people move to Phoenix, that's pretty much where they're they start a lot of times, not every time, but and so it's really interesting. When we have net in migration into Arizona, it really moves the needle for most of these cities. Is kind of the point. And so we're always going to be affordable, we're always going to have great weather, it's safe. We got pretty normal politics, I should say, as compared to some of the others, we really do have a growing population. And so what happened? We had a nice run on the real estate. As you do, you know, we had a nice run on the apartments. We had a nice run on the single family that tapered off when the interest rates went up, essentially, right? You know, we actually built too much. We built too many apartments. We built too many houses. When interest rates went up, people kind of pulled back. That's what you're seeing now. So right now, it's a great time to be a home buyer. It's a great time to be a renter in most of those cities in Arizona specifically. And why would that be? It's because they have a lot of choices. So on the single family side, the listings have gone up, and therefore some of the prices have you know, people are starting to negotiate a little bit more. Now here's the interesting thing, Keith, if you measure it on last year or the year before, it has huge numbers, like you just quoted, you know, 24% but what's happening is things are on the market like 40 days, you know, you know what I mean, like from a week or two, it's doubled or tripled, as you know, that's still not a very realistic market. The market is still, in my opinion, pretty healthy. It's not unbalanced, and before it was a seller's market, and so it's just normalizing. And normalizing, to me, if you go over year, over year, over year, is I think MLS says four to six months of inventory, right? I think things are just normalizing. But if you've been through the run, this is like the end of the world, right? But it's not. It's just things are settling down, and it's the greatest time because they're supposed to be a little bit of friction between the seller and the buyer. I believe there should be just about right. It's never just right, as you know, it's usually pulls on one harder on one side or the other. But we just went through an incredible time where the sellers pretty much got whatever they wanted and the landlords pretty much got whatever they wanted, and so this is just pulling back, you know, the tide's going back out. There's no cause for concern, at least in my world at all. It's supposed to be this way, and we need affordability. We need people to be able to buy homes. We need people to be able to rent. Yeah, I'm in the landlord business, but I don't want rents to run. There needs to be a balance there, even though it's good for me, if it does, but it's not good, because what happens is, then the government gets involved, and what they need to get involved in is adding supply, right? And not capping the rents. You know, what they need to do is just work with developers. And you know, because we're growing here in Arizona right now, we're seeing a pullback, but I think it's needed. There's nothing wrong with this. It weeds out a lot of, you know, realtors that weren't doing much, that just got their license, were hanging around, say, with mortgage folks and title people and lazy contractors and all that stuff. So whenever there's a pullback, the professionals win.   Keith Weinhold  14:01   Well, this is some really good perspective here. We're all victims of the recency bias, and, yeah, you're talking largely about market normalization. What sure wasn't normal or healthy, in a lot of ways, was back in 2021 when you might have had 50 offers for one available property, and people had to bid 50k over the asking price, and they might have waived their inspection, which is typically not a good idea when we talk about rents in the direction of rents, especially there in the Phoenix metro with single family homes, which I know your wife, Daniil, is pretty intimately involved with. Typically, this new supply increases competition. It increases the competition for landlords competing for more of those tenants, which is something that typically is not good for rents. Have we seen declining rents in the local market there in Phoenix?   Ken McElroy  14:54   Of course, yeah. And I'll tell you, there's a bunch of factors. So there's always cross currents. People want one. Answer, but there's not right, like, so let's just pick on a whole bunch of things that went wrong at the tail end of all of this. It was Airbnb. Like, Phoenix and Scottsdale are a huge Airbnb market. I've rented Airbnbs there. Sure. It's incredible, right? And so what happened was a lot of people said, oh, I can buy this house, throw some furniture in it. And, you know, I can get 10,15, 20 grand a month in rent out of these things. And they were right. And then what happened was, there just was too many, so became oversaturated. So you're definitely seeing those back on the market. And so interesting fact, Heath, all you got to do is look at the pictures. And if you see bunk beds. You know, it used to be an Airbnb like, you know what I mean? So that was the one, but two, let's don't forget this run that we just had put a lot of people into the rental market for the first time on the single family side too. So we never really had this many landlords on the single family side as well. And so there's all these mistakes that people made. They bought incorrectly. They had capex work. They bought with floating rate debt. And when rates went up, they weren't cash flowing. They wouldn't know how to manage them. So So there's all this stuff that was kind of going on behind the scenes, on the apartment side of the equation, which is where I hang out. Mostly, I watch all this. And because my class A buildings are competing for single family. They have single family typically wins because it has a yard, has a garage. Nonetheless, I gotta pay attention to it. So it's been interesting to watch. At one point you could not find a home in the Scottsdale area under 500 grand period like nothing. And now, of course, those are starting to come down a little bit more, and there's some softness in the rent, so the renters are have more choices. Now, why is that? There's a couple reasons. If you're a renter and you're looking for a place, you know, I'm sure you're considering a house, but not everybody wants a house, especially if you're single or maybe it's just you and somebody else, and maybe you don't have a pet. There's a lot of reasons that people just don't want to have to a home. So you've got condos and you've got apartments and you've got homes, and then you have school districts. So people definitely want to be in certain school districts based on their children. So you have all these cross currents going on, on where people want to be. And so what does all that mean? What that means is there are certain markets, from a rental standpoint, that are doing extremely well, still, both on apartments, on condos and houses. And then there are other markets that absolutely are not just depends on the concentration of all those things and all those factors that are going on. The one thing that's actually disrupting a market more than anything is apartments and condos. Because, for example, Danielle just had a condo that she owned, and the condo was worth, let's say, 300 grand, but it's probably 25 years old now, yeah, and there's apartments going up, you know, a block from there, right? So her renter is said, you know, I'd rather go over here. Brand new amenities, nine foot ceilings, brand new fitness center, all this stuff. So apartments really do reach into that rental market a little bit. And so there is some spillover between that. But primarily what's going on in Phoenix is there's a lot of new construction. And not just Phoenix. This is Tucson and Greater Phoenix. There's a lot of new construction that was started when rates were low. They were started in 2122 and you know, like, because I'm a builder, it could be a year to 18 months when we're opening a project from the time we put our the shovel in the dirt, we're not even open for a good 18 months. So there's a lag period. And those started opening in 23,24 and certainly 25 and these big projects, two, 300 unit projects, which I have several going right now, they're one to two year lease ups, so you could be looking at two or three year lag on some of the housing that's being provided. So that's all here now that is been good for renters. There's a couple horror stories going on, and I'll just explain. So downtown Phoenix, there was a whole bunch of apartment projects and condo projects that were built trying to attract people to live in downtown Phoenix? Well, there's challenges for downtown Phoenix too, and we won't have to get into that. I don't particularly think that there was ever the real demand for the amount of housing. So what you've done is people build a lot of housing in concentrated areas around the stadium in West Phoenix, near the Cardinal Stadium downtown Phoenix, you know, right in the heart of the business district. So if you were to rent something today, it would be four months free on a 12 month lease.   Keith Weinhold  19:48   Wow, that's about the steepest concession I've ever heard of in my life.   Ken McElroy  19:54   Yes, that's today. So all you gotta do is Google it and you'll see. And the only reason that happened, Keith, is. Is because there was too many units delivered at at a short period of time, and there was the demand, wasn't there? Gosh, now go 10 miles up to Tempe, go to Chandler, go to Scottsdale. No concessions, right? So again, you know, when you look at a market, you're going to see that it typically a lot of these concentrate in certain areas. And so there's a lot of areas in Phoenix where the consumer or the renter has an upper hand a lot. And so they're driving their choices based on their monthly rent. All of that plays into this thing, but the there's areas that are rock solid. And you know that would be Scottsdale, Tempe, Chandler, Gilbert, and there's areas that are over built that would be the west side, downtown Phoenix, the south side, there's areas that there's pockets that you know are in disruption you can kind of pick your poison, right? Like, if you're a landlord, there are areas that you want to buy in areas that you don't want to buy in. And as a renter, you have the same kind of choices. So when you blend it all together, you guys get the national news. But really it's pretty pocketed, just like it can be in any market.   Keith Weinhold  21:12   Well, you bring up so many good points there. Some of these markets that have done more building than usual are in this situation where there is landlord competition for tenants. Now, nationally, we're still under built, so it's interesting to talk about one of these overbuilt conditions in that competition for tenants, like we've been talking about, in general, a tenant prefers a single family home, and it's privacy for sure. They can't always afford that, but the apartment market and the single family rental market are somewhat interrelated, because if there's so much new apartment supply, it's got the appeal of being brand new, and there might even be concessions given, like you've mentioned there Ken and that can make it very attractive for a potentially wannabe single family home renter to go ahead and rent an apartment instead. So this glut of new apartment supply actually can affect the single family rental market somewhat, and competition is really interesting. I mean, certainly in my real estate investment career, I've experienced that. The first time I ever experienced that was that I owned several doors, and they were about 25 years old, and they had garages, each one of them a new apartment complex was built close to those so brand new, and you had to drive by this new apartment complex. Everything nice, shiny new, painted new parking lot, everything a prospective tenant had to drive by that in order to get over to look to my units. That softened my rent somewhat. The one thing that saved me a bit is that my running units were in Anchorage, Alaska, I had the garages with my units. The new apartment building didn't. They only had carports, so I did have a differentiator to help soften the blow in a rental market that became more competitive. Tell us more about the competition for tenants there in Phoenix, whether that's on the single family side or the apartment side can with concessions. And does that mean that you're altering the length of leases there in the local market? Or tell us more about how you're doing that competition?   Ken McElroy  23:10   It's a great question, yeah. So I would say generally, a home is going to be about 1000 bucks more on the average, like if you were just to put a number on it, three bedroom, Rambler type home with a garage in a yard. It's going to be maybe three grand. That apartment, the equivalent was is going to be maybe two grand. So roughly, those are kind of the numbers. But what happens if you're going to rent a house, you're definitely going to pay more money, that's for sure. And of course, depending on the area, depends on the on the rent. Now what's happening in a lot of these markets, like West Phoenix, for example, where you have 1000s of units being added at once, and you get this one month, two month, three month, and the extreme, of course, being four months free, if you're a renter and your rent is two grand, but you get three months free, let's say or four, you're going to take that deal, right? Because your your your average rent is, what 12,13, $1,400 a month, not 2000 so all of a sudden, it's going to impact those single families. So what's happening right now is the apartments that got delivered in in a lot of these geographic areas, these sub markets are definitely impacting the single family rental market. Now, if you're a family and you've got kids and you got pets and you want to be in a school district, you're not even looking you're basically just trying to find the best deal on a home. I get that. But if you have a choice, the rents are about the same, you're going to take the house, sure period I would, you would. So now what's happening is there's, there's such a difference between the rental price of a home versus the rental price of a brand new apartment that people are going to gravitate to the apartments, because those landlords trying to fill those things up are scrambling and marketing to anybody. And everybody and cutting whatever deals they can, because they're just trying to get out of those construction loans. It's a weird market right now. And of course, there are areas Keith that this does not exist at all, right, like you go into like Tempe, and you're not going to have because it doesn't have the available land, you know, which is around Arizona state for example, the Arizona State University. You go into North Scottsdale, you're not going to find this because North Scottsdale doesn't like apartments. And, you know, the homes are a million bucks and up, but there are definitely pockets where this is happening. So if you're a renter and you have choices, this is a great time for you and and to be honest, it's about time, because it was a seller's market and a landlord's market for a long time, and so it's just reverting back to the mean.   Keith Weinhold  25:46   Let's wrap up the discussion about rents and occupancy with what's happening nationally. Ken, since in apartment buildings, you invest in multiple states there, we know, for example, that the home ownership rate recently fell from 65.7% down to 65.1% fewer homeowners means more renters. But that doesn't necessarily mean that they're all going to be absorbed immediately, either. So talk to us about that.    Ken McElroy  26:13   There's an affordability problem, right? We haven't seen a massive adjustment with house prices now you have in areas, of course, I saw your recent podcast on Florida. You know how right the price of a house is, is less than a car today? Yeah, you're right, like so, but what's happening is there are markets that are pulling back, right. There are markets that had a bigger bubble than others, and they're pulling back. And so there's great deals in those markets. A lot of areas in Florida being one of those markets, there are other markets where you don't have that. So we are definitely seeing the same thing. And so we're having, in my opinion, it's the greatest time, because you have people that are, I think, should be able to buy a home. But interest rates seem to be holding at Six 7% and the pricing, albeit, hasn't run like it has, but it's certainly not pulling back like crazy either. It's still over 400 on the average, you know. So if you look at the delta between what it costs to buy a home just mortgage only, and you look at what it costs to rent, it's never been bigger. So the difference between your rent, the rent and a mortgage, has never been bigger. And the other thing Keith, that doesn't get talked a lot about are everything non interest rate and everything non mortgage. So let's start talking about insurance. Let's talk about property tax. Let's talk about, you know, capex. So there's a really good survey that bankrate.com did that said that right now, the average cost to own a home, not mortgage, is 1500 a month. So now that's average. I'm sure there's some that's less. I'm sure it's some that higher. So when you take 1500 a month to own it, plus the mortgage you're talking about quite a bit. It's a heck of a financial commitment when you can just rent for 12, 1314, 1500 and call it a day, you're going to move the needle twice as fast, and you're going to be able to get out of whatever financial situation you're in twice as fast when you don't have all those other costs. So what's really going on now? And the reason why you're starting to see this home ownership rate go down, and I actually make a prediction, gonna do it right now on your show, I think it's gonna go down below 60. I think for the first time in our history, we're gonna see home ownership in the 5050 nines, which is a massive statement. But if you take a look at under Obama got up to 69 and then it was, first of all, it was Clinton, and before that, and then kind of ran, but then it kind of got pulled back under the Bush, and then Obama kind of took the brunt of it. You know, when all that stuff was falling out, but it's been falling, and it's falling. Why it's falling? Because people can't afford a home, and they need to be able to afford a home. So we can't build affordably. The single family market is not affordable, and inflation surpassing wage growth, so you have this massive shift of people, in my opinion, moving from home ownership to the rental side. And there was a time where 1% shift Keith was 1 million people,   Keith Weinhold  29:27   1 million new renters, with every 1% drop in the home ownership rate   Ken McElroy  29:32   was 1 million people. So imagine that it doesn't sound like much when you go 65.7 to 65.1 right? That's a lot of people. When you got about 142 million people in the US, or a billion, right? 340   Keith Weinhold  29:46   350 million in 300 Yeah, about 145 million houses,   Ken McElroy  29:51   45 million, yeah, something like that. So you start to take a look at these numbers. They're massive. So these little 1% movement. It is a lot of people. I think we're going to continue to see it. People need to put their stake in the ground here and get on the landlord side of this, because we're going to see a massive shift of people because they can't afford they're going to be permanent renters, renters for life. And it's not good. I'm not advocating, but it just is what it is, with wage destruction, with inflation, with the affordability, the way it is, people are going to be forced into the rental side of the equation, whereas before, we were always kind of working on the fluctuations of the interest rates and the policies of the President, let's say, or whatever it was, to try to get people to be homeowners, or whatever it might be. Now, we might be in some kind of a permanent state unless something really changes, because we're four or 5 million houses short in the US as a result of the last 20 years. As you know,   Keith Weinhold  30:54   I recently saw a media article that was titled The hidden cost of home ownership, and they were talking about hidden costs as things like maintenance, property taxes, property insurance, utilities. I don't know how in the heck those costs are hidden. Any prospective homeowner needs to be aware of those costs, and inflation impacts those costs, where inflation cannot impact your fixed rate, principal and interest payment. There we have it a brazen prediction from Ken that the home ownership rate will drop below 60% in this cycle and the hordes of renters that that's going to release, we're talking about the direction of rents and occupancy in both Phoenix and the nation at large. We're going to come back after the break and talk about the direction of real estate prices. You're listening to get rich education. Our guest is Ken McElroy. I'm your host. Keith Weinhold.   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. 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Can you corroborate Is that what you're seeing as far as values go there on the ground, or is it different in the sub markets    Ken McElroy  34:20   it's definitely different in the sub markets, but I would definitely concur that it is flat, Keith, it's a very interesting time. People are used to selling things fast. Oh, I'm going to sell this and it trades, and then they're moving it right to something else. They're not used to the markets that you and I grew up in, right which is, you remember the old days where we would list something and it might be on the market for three or four or five months. These people, these kids, these let's last 10 years, they have never seen anything like that. So for me, I think we're just moving back to what I would consider to be normal. I don't see a problem with flat at all. In fact, I think homes are unaffordable and. And flat isn't necessarily bad. That means that both sides are kind of doing deals. That means the seller doesn't hold the cards, and it means the buyer doesn't hold the cards, and so right now is a great time to buy because if a seller is sitting on something for even a couple months, they're not used to it. There's deals to be had right now. And it's, I think, if you have the dry powder and you have the ability to move, is a great time to buy.   Keith Weinhold  35:26   You had mentioned, when we were talking outside this show, that your wife, Danielle has made some interesting moves in her single Yeah, yeah, tell us about that.   Ken McElroy  35:36   It's a fantastic move. I mean, one of the greatest, obviously, I'm doing these big apartment deals, she can't relate, and she's doing these small houses, which she loves. She doesn't like debt. She likes to pay them off, and she manages them all herself. And so she bought this condo years ago, and it's worth about 300 grand, and she paid like 164 years ago, and the rents have dropped. You know, per our last conversation, they were used to be around 1900 now they're around 1700 but the same time, rents have dropped. And why would rents drop? Because there's more competition. There's new apartment buildings being built around the area. The tenants have more choices. Again. There's, you know, rents came down a little bit. So she lost couple 100 bucks a month there, and the HOA hit her with costs. Our insurance went up, our landscaping went up, so all of a sudden their HOA fees started going up. So the rents came down, and the HOA costs went up, squeezes on, yeah, so all sudden she's got this squeeze and so she's looking at it. And I said, you really ought to take a look at your what we call imputed equity. In other words, she has no debt on this thing, so she literally has another way to say it is she has 300,000 sitting in a condo, an asset. What does it matter? What it is and she gets maybe, what does she make it 500 a month, maybe $6,000 okay? Net Cash Flow a year, right? Nothing. So you take your 6000 you divide it by your 300 and it's not a very good return. Yeah, eight. Okay, so she's looking at what we call imputed equity. What's your return on the equity you have? Okay, so she said, I'm going to start looking at these homes that have, like you said, the garages and the yards, because again, we know that should be able to get closer to $3,000 a month on those so she started scouring, and she found one, and it was about 450 grand. So she had to come up with another 150 grand. And so what she did was she sold the unit, the condo she had that had rising HOA and lowering rents for 300 she did a 1031 exchange into the $450,000 house, and then she had to come up with another 150 but her rent now is three grand, and she was able to increase her cash flow By almost $1,000 for a month. So that extra 150 generated about $12,000 of net cash flow gain. And so again, she just purely looked at the math on one and did a 1031 moved it into another one. And now she's super happy it's in a home. And as you know, in a lot of these homes, not always, but you tend to have people that don't move as much. So this the guy that moved in has his son. He has him in a local school. He's young. He's probably going to be there for years, so she's probably not going to have the turnover that she would in a condo project. That's really more like an apartment building. That's what she just did. And so don't forget, when prices are high, you're exiting high and buying high. When prices are in flux, a little bit like they are flat, you're going to be able to find deals. So it's a really good time to take a look at imputed equity and what's your real, true return, and is there a better asset class for you to be able to move that money into? Because this is truly about managing money and maximizing your return on your own dollars. And that's a move that she just made, and she's going to be on the cruise. She'll see you, and I'm encouraging her to actually do a talk on it, because there's a lot more detail to how she pulled it off. But it only took her, like, four or five months to do it, and it worked perfectly.   Keith Weinhold  39:22   Yeah. Well, congratulations there. I'm a fan of debt around here, as you know, on the summit, Daniel and I'll have to have a chat, and I'll talk about why financially free beats debt free and all of that. But I would love to hear her reply. She probably has some really good, sound reasoning for that can nationally apartment values have followed perhaps an astounding 30% because the way I see it is that three or four years ago, there were tons of new apartment starts with those freakishly low mortgage rates like you touched on. Start to completion of an apartment building can be as long as two years. So those starts have now become completion. Dollars, and they need to be leased up. So that's the glut, and that's why apartment vacancies are common in a lot of American markets today, with higher mortgage rates now, we have fewer starts and with less new future apartment supply coming onto the market, which would have been completed in 2025 to 2027 I mean, that's something that could portend well for the future, but the current apartment glut still needs to get absorbed by tenants. So talk to us about that.   Ken McElroy  40:29   That's a great, great tee up for me. Okay, so I'm going to do seven transactions this year. Now, that's all 200 plus units. So I bought 360 unit building and brand new in Las Vegas. We just closed on a 282 unit in north Scottsdale. We bought 152 unit in Phoenix. And on and on and on and on and on. We're really, really, really busy right now, because, to your point, why would we be doing that now? Here's why apartments are valued based on how they're operating period. So high vacancy, high concession, flat rents, high expenses. That's all bad if you own it, it's really good if you buy it. So you want to buy at today's numbers, and that's what we're doing. We're buying at today's numbers, and we think that there's a little window that we've got through 26 to be able to acquire a bunch of apartments at these low values. To your point, they've definitely dropped. There's another case as to why, because the next piece is when the mortgage rate's high, cash flow is less. So when your mortgage payment is higher, all things being equal, your cash flow is less. So when rates went up, then people could pay less, and that drove values down. So if we could lock in today with all this disruption, so that's what we've been focused on. And it's been a very exciting year for our company. And in addition to that, to your point, but you and I have never spoken about, we just broke ground on another deal, and we're just leasing up on a deal down in Tucson that we're we're a 300 unit building that we're just finishing, and we just broke ground on a 312 unit, and we got a couple more slated because we're trying to break ground today. And why would we would break ground today because there's not a lot of subcontractors bidding on the stuff. So we're getting better pricing. The interest rates are high. This is true. That's not necessarily a positive, but we're breaking ground in anticipation of opening in two years, when all this stuff gets absorbed, we're going to be opening and so, you know, if we could time it today with 25 we break ground, we're going to open in 27 this stuff will be absorbed by then the blood will be in the streets in 25 and 26 and maybe early 27 and then it's going to shift again, Keith, and you know, people are slow to react. And so we think we're going to hit this little window at optimal time to be able to open up brand new product in two years.   Keith Weinhold  43:05   That's great. Ken we've been having these conversations for over a decade now, I know, and the way that I see it is that MC companies, your company, was built exactly for times like this. Is that to say that you think apartment values have reached their bottom,   Speaker 2  43:22   so I actually don't think they have yet. That's a funny comment, and here's why, because we also went through this extend and pretend time with lenders, right? So the lenders, whoever bought something, was trying to hold on to it forever. But now, with this new administration and the battle with the, you know, Powell still in office for another year. Who knows really, what's going to happen with rates? Maybe a quarter here, quarter there, whatever. But the reality is, there's no relief in sight. It doesn't appear. Because now we have this high vacancy, we have high expenses, and I don't think there's going to be a lot of interest rate relief. And so I think the lenders are going, you know what? We're gonna start listing these. So we're starting to see just in the last few months, brokers call. I got a call the other day from a broker out of San Antonio. He said a lender called me. They gave me nine deals. He said the keys, they gave me the keys on nine deals now and then I got another one in Dallas. It was 35% occupied, and the loan was 25 million, and the guy said they would take 14, so that's an $11 million haircut to the lender. So you're starting to see these. These are coming into my emails, right? Because they flooded. We are kind of deal. Yeah, it's so good. Now I've passed on everything so far because I think the knife is still falling a little bit, and so I think we're in the first few innings of seeing these kinds of deals, and there needs to be a lot of them, right? Like they need to be everywhere. And then when they're everywhere, everything's listed, and people are looking at them, and there's all this interest, then I think we're going to be at the bottom, but we're darn close. I mean, we're darn close, I would say. Right? We're probably by end of the year close. That's why, if a prudent investor, is getting their dry powder together, now they're meeting with their broker relationships, now they're meeting with their lender relationships, now they're putting together their LPs, and they're starting to go out and look at deals. Now, even if it's no no, no, no, no, no, no. This is the time for you to build relationships and be ready to strike when you start to see stuff this year, toward the end of the year, will will be the bottom and then I also think next year is going to be rocky for a lot of things. Then you're going to see a lot of lender write offs.    Keith Weinhold  45:37   This is really good guidance for what you the listener, can accidentally do if you are a prospective apartment building buyer. Great insight there. Ken. Ken, yes, you and I are about to be together on the real estate guys Investor Summit to see but there's another great event that begins at the end of next month that you put together.    Ken McElroy  45:59   Tell us about that. This is great. I have now we have about 4000 investors. So these are all high net worth people that invest with us. And you know, this is our 24th year in business. So when I meet with all of them, we used to do these investor summits, they would say, What about gold? What about silver? What about oil? What about water? What about timber? What about self storage? What about Office? What about retail? So I'm like, I'm going to create a conference where I can have everything in one spot, and we can invite high net worth, accredited people be able to come there and listen to the best of the best. So no professional speakers, just people that are really doing deals. You know, like we have guys that are building wellness spas and hospitality. Obviously, we have some single family. We got multi family. Got a retail guy, industrial guy, commercial guy, office guy. We got a gold panel. And then we got these economists, and you probably know some of the names. So we got George gammon coming. We got Jeff Snyder, who's unbelievable Euro dollar University. He's coming. We got Brent Johnson, who created what's called the milkshake theory. And just Google it, you'll see it's all about the central banks. We got Jim Rickards, who wrote currency wars and a new case for gold. And we got Lawrence Lepard, who just wrote this book called The Big print. All coming as speakers unpaid, and they're just going to try to deliver the best value they can to the people. Because I tell you what, Keith, I don't know about you, but it's confusing. I'm reading about tariffs, I'm reading about inflation. I'm reading about unemployment. I don't know where interest rates are going. I'm feeling it at the street level, at the main street level, with my apartment buildings, they're harder to manage. The expenses are going up. I try to create this environment to where people can show up and hear real real things, and they can make real decisions and course correct, right, and also take advantage of of some other things. We're also having a manufacturing panel, and I got a whole panel just on the Trump tax bill, because the opportunity zones, the bonus depreciation, all the stuff, these are things that you can do to be able to take action. So this is limitless expo.com. Since we're on your show, they can do KEN10. KEN10, which is a discount, the prices do go up. Obviously they're the highest. They are in July, because that's when the event is but in June, they're still lower. So I would suggest that people go this year, especially with this new administration, and everybody's like, what is going on? Hopefully we can it's starting to clear up some of the confusion that we all have right now and try to figure things out.   Keith Weinhold  48:36   It seems like all we do know is that we don't know limitless ought to help clear some of that up. It is July 31 to August 2. Tell us where it's taking place.   Ken McElroy  48:47   Yeah, it's at the gaylord in Texas, in Dallas, Texas. It's called the Gaylord Texan. It's limitless expo.com. Now we did it last year. There'll be 2000 people. We have 50 speakers. We have five stages, 50 speakers. It's a really high end event. What I mean by that is these are real people doing real deals with real businesses, real investors. It's been fantastic. I haven't had to pay speakers because of the quality of the attendee. That says a lot. It's really been interesting and great. And by the way, I don't really think having big speakers to sell tickets is the way to go. I'd rather have a real quality event, and it's really interesting once you set your mind on something. Because my investors and other investors show up because they do more than invest in just what we do. Like real estate. Everybody wants a little piece of real estate, but they also want to know about Bitcoin. They also want to know about gold, you know. And these are things that I'm not that proficient in, you know. I want to hear from experts in those fields. So it's really been a great, great event.   Keith Weinhold  49:48   You kind of crowdsource the need. You listen to what your audience was asking about, and then you delivered it for them. Limitless expo.com, use the discount code KEN10 to get. Get a discount. Ken McElroy, it's been great chatting about the direction of rents and prices in the both single family space and apartment space. It's been great having you back on the show.   Ken McElroy  50:09   Yeah, for sure. Keith, always great. Man. Good seeing you.   Keith Weinhold  50:18   Yeah. Ken, decidedly bullish on buying real estate, even calling it a great time to buy. He basically believes that because buyers have more power than they did three and four years ago, and they have more options, an emphatic prediction that the home ownership rate will fall below 60% there is profundity here. I mean, the census figures on this go back to the 1960s and the lowest it's fallen in all that time was 63% by the way, homeownership peaked in 2004 at 69% apartment values have crashed about 30% and It's probably going to get worse. So the worst isn't over, but likely will be by about the end of this year. So in Ken's opinion, most of the worst is over. I'm reading in between the lines there on that one. Hey, I hope you've been enjoying this show lately. Next week, we're going to change things up somewhat here. Recently, we've had rather prominent guests on the show, like the father of Reaganomics, David Stockman, then Russell gray last week, this week, the owner of 10,000 running units, Ken McElroy. And you know their perspectives and experience and influence, they are terrific. And I trust that you've learned from them. Next week, we'll have two GRE listeners here on the show, regular listeners, perhaps people more like you, because you can probably relate well to their stories. Until then, I'm your host. Keith Weinhold, don't quit your Daydream.   Speaker 3  51:59   Nothing on this show should be considered specific, personal or professional advice. Please consult an appropriate tax, legal, real estate, financial or business professional for individualized advice. Opinions of guests are their own. Information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of get rich Education LLC, exclusively.   Keith Weinhold  52:22   You know, whenever you want the best written real estate and finance info, oh, geez, today's experience limits your free articles access, and it's got paywalls and pop ups and push notifications and cookies disclaimers. It's not so great. So then it's vital to place nice, clean, free content into your hands that adds no hype value to your life. That's why this is the golden age of quality newsletters. And I write every word of ours myself. It's got a dash of humor, and it's to the point, because even the word abbreviation is too long. My letter usually takes less than three minutes to read, and when you start the letter, you also get my one hour fast real estate video. Course, it's all completely free. It's called the Don't quit your Daydream letter. It wires your mind for wealth, and it couldn't be easier for you to get it right now. Just text gre 266, 866, while it's on your mind, take a moment to do it right now. Text GRE TO 66866   The preceding program was brought to you by your home for wealth building, get richeducation.com    

A weekend of highs and many lows as the Thunder win the NBA title after Halliburton gets hurt, the Royals good road trip fizzles a bit, I root in vain as Fleetwood falters and Keegan wins in Hartford, the Current thrive on, and much more. Come on along!

Watch the full service HERE   ARE YOU NEW HERE? We would love to get to know you better and answer any questions you may have. You can learn more about weekend gatherings at https://www.restor.church/im-new/ If you have any questions or would like more info, please reach out to us at https://www.restor.church/contact/   WHO WE ARE: If you would like to know who we are and what we are about, you can find that at https://www.restor.church/about/   NEED PRAYER? We have a team on standby that responds to any prayer requests you may have. If you or someone you know needs prayer, you can submit those requests HERE   FOLLOW US ON SOCIAL MEDIA: Facebook: https://www.facebook.com/restorchurch/ Instagram: https://www.instagram.com/restor.church/  

Another Sunday, another installment of True Crime New England's case profile mini-episode series! Today, Katie and Liz both tell stories of double homicides out of Hartford, Connecticut. First, Katie talks about the details of the murders of Kwante Feliciano and Kelly Cooper in March of 2013, and how random and unfortunate this was. Then, Liz talks about the murders of two people, Kevin Campbell and Joshua Steel  at a rambunctious house party in 2018. Both of these cases remain unsolved.Anyone with any information about the murders of Kwante Feliciano and Kelly Cooper is asked to please call the Crime Stoppers tip line at 860-722-8477 or Sgt. Brandon O'Brien at 860-757-4089. Callers will remain anonymous. If you have any information regarding the murders of Kevin Campbell and Joshua Steele, please call the Connecticut Cold Case Unit at 1-866-623-8058.

This afternoon, Emilia Hartford is racing the 103rd Pike Peak International Hill Climb.  We try not to ask any stupid questions.

This is an episode full of Friday whimsy, covering the Chicago Cubs, Wyndham Clark's antics, Sheriff Scottie's department expanding, and more. Andy and Brendan run through an "apology" from Wyndham in the aftermath of destroying a locker at Oakmont and how he turned this moment into a plea for a spot on the Ryder Cup team. The two also discuss Scottie Scheffler's comments from Wednesday's press conference at the Travelers regarding what he considers a "fair test" on the PGA Tour. Speaking of the Travelers, Jordan Speith withdrew with a new injury and Adam Schefter took over Thursday's broadcast with some insane PGA-NFL comparisons. Leaderboard updates are provided for the Women's PGA Championship and Champs Tour at Firestone, where PJ's pick of Thomas Bjorn is fighting for dead last. To wrap up this episode, Brendan chats with Viktor Hovland about Brian Rolapp, Jay Monahan, Oakmont, and his favorite fruit.

Piper hosts Plaidcast in Person in front of a live studio audience at the Wadsworth Atheneum in Hartford, CT with guests Don Stewart, Emma Fass, Michael Lenard & Kate Rice Nilan. Brought to you by Taylor, Harris Insurance Services.Host: Piper Klemm, publisher of The Plaid HorseGuest: Don Stewart has a long and illustrious career as a top trainer specializing in the hunters and equitation. He was leading hunter rider at the National Horse Show twice, and as a trainer, has coached many national champions and medal finals winners. Don has a famous sense of humor and a knack for getting his students to relax and succeed in some of the most competitive, high-pressure horse shows in the country. Don operates Don Stewart Stables in Ocala, FL. Guest: Emma Fass is an amateur rider in Virginia, a software engineer, and an entrepreneur. She founded RingSide Pro in 2020 to provide horse shows with better tools and make the experience of horse showing smoother. RingSide Pro is now used all over the country, from local shows to Pony Finals and the USHJA International Hunter Derby. Guest: Michael Lenard is the CFO and co-founder of Horse Spot, a cloud-based platform transforming horse show management through real-time scoring, streamlined entries, and enhanced user experience. A former CPA and Certified Fraud Examiner, he transitioned to the equestrian world full-time after years of competing at the 1.40 m level. He also holds a USEF “R” Jumper Judge license and has managed A-rated shows nationwide. Under his leadership, Horse Spot now supports over 350 shows across 28 states and three countries. Guest: Kate Rice Nilan is the Founder of StableSecretary, one of the original barn management technologies. Kate is a lifelong equestrian who grew up as a competitive junior rider and has spent decades immersed in the hunter/jumper world. She's worn just about every hat you can imagine in a barn—groom, barn manager, assistant trainer, business owner, freelance rider and teacher, and even “horse show mom.”  In recent years, she has gotten back in the show ring herself in the amateur hunters and equitation.Beyond the ring, Kate has also worked in web development, tech support, and education—bringing a unique blend of real-world horse experience and technical expertise to everything she does. She leads product development and customer support for StableSecretary, and still finds time to get back in the saddle whenever she can.Title Sponsor: Taylor, Harris Insurance ServicesSubscribe To: The Plaid Horse MagazineSponsors: Purina, Foxhall Equine and Great American Insurance Group Join us at an upcoming Plaidcast in Person event!

Brian Wilson was a singer, songwriter, record producer, and a founding member of The Beach Boys. He’s thought of as one of the great geniuses of pop music, and he’s been called the poet laureate of summer. Wilson died June 11 at 82. On February 1, 2017, we went to Watkinson School in Hartford and put on a show, on stage in front of a live audience, on Brian Wilson’s music and legacy. We’ve never reaired that show. This hour, to celebrate and remember Wilson and his work, a brand new edit — from the original, full-length, 75-minute live show — of our hour on Brian Wilson. GUEST: Steve Metcalf: Founder and director of the Garmany concert series at the University of Hartford’s Hartt School Jordan Quisno: A singer and actor Matt Sargent: A composer, guitarist, recording engineer, and assistant professor of music at Bard College Teri Schrader: Head of school at Watkinson School in Hartford, Connecticut The Colin McEnroe Show is available as a podcast on Apple Podcasts, Spotify, Amazon Music, TuneIn, Listen Notes, or wherever you get your podcasts. Subscribe and never miss an episode! Subscribe to The Noseletter, an email compendium of merriment, secrets, and ancient wisdom brought to you by The Colin McEnroe Show. Join the conversation on Facebook and Twitter. Colin McEnroe contributed to this show, parts of which originally aired February 17, 2017, in a different form.Support the show: http://www.wnpr.org/donateSee omnystudio.com/listener for privacy information.

Drew is off doing important things, so Roth is joined by co-host Kelsey McKinney and guest Megan Greenwell, author of Bad Company: Private Equity and the Death of the American Dream to talk about how old men with too much money destroy companies and people's lives through private equity. Then, they dive into the Funbag, answering real questions from real listeners, like you!Do you want to hear your question answered on the pod? Well, give us a call at 909-726-3720. That is 909-PANERA-0!Stuff We Talked AboutThe art of dunking on David RothBig dumb dogs in boardroomsHartford, CTRoth's cod filetGlop taste goodSponsors- MeUndies, where you can get 20% off your first order, plus free shippingCredits- Hosts: Drew Magary & David Roth- Producer: Brandon Grugle- Editor: Mischa Stanton- Production Services & Ads: Multitude Podcasts- Subscribe to Defector!About The ShowThe Distraction is Defector's flagship podcast about sports (and movies, and art, and sandwiches, and certain coastal states) from longtime writers Drew Magary and David Roth. Every week, Drew and Roth tackle subjects, both serious and impossibly stupid, with a parade of guests from around the world of sports and media joining in the fun! Roth and Drew also field Funbag questions from Defector readers, answer listener voicemails, and get upset about the number of people who use speakerphone while in a public bathroom stall. This is a show where everything matters, because everyone could use a Distraction. Head to defector.com for more info.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

It's Episode 434 and is that a group of shadow people behind Em?! This week Em takes us back to 1600's England for the Mowing-Devil or Strange News out of Hartford-shire, aka the possible first mention of crop circles? Then Christine covers the sad and unfortunate case of Allison Jackson-Foy and Angela Nobles Rothen from North Carolina. And do you all have any guesses what Leona might get Christine for her birthday from in front of her school? …and that's why we drink! Links to photos:The Mowing Devil Woodcut PamphletStrange Signes from Heaven Book Title PageAllison Jackson-Foy and Angela Nobles Rothen___________________Right now, And That's Why We Drink listeners can save 30% on their first order of Cornbread Hemp! Just head to http://cornbreadhemp.com/DRINK and use code DRINK at checkout. For 50% off your order, head to DailyLook.com and use code DRINK. Listeners of And That's Why We Drink can qualify to see a registered dietitian for as little as $0 by visiting FayNutrition.com/DRINK. Learn more about your ad choices. Visit podcastchoices.com/adchoices