Podcasts about New Orleans

Many years after a life-changing one-on-one conversation between Rich Aronovitch and Marc in Queens, New York, Rich and Marc are sitting down once again. This time they're talking about Rich's new comedy special, his family's immigrant journey that landed them in New Orleans, Rich's first experience on the stage under the name Smooth Daddy Johnson, and why Rich went to jail for letting the air out of a police officer's tires. Sign up here for WTF+ to get the full show archives and weekly bonus material! https://plus.acast.com/s/wtf-with-marc-maron-podcast. Hosted on Acast. See acast.com/privacy for more information.

In THIS episode of Who Would Win: UNLEASHED, it's a showdown that will leave the streets of Gotham and the alleys of New Orleans in ruins—as the legendary vigilante Nightwing (unleashed by James Gavsie) faces off against the Ragin' Cajun himself, Gambit (championed by Eric Holmes)!On one side: the original Boy Wonder, battle-hardened by a lifetime under Batman's shadow, now a one-man army of acrobatics, escrima strikes, and battlefield tactics. Nightwing doesn't just fight crime—he outsmarts it, outpaces it, and leaves it gasping on the floor of Blüdhaven. Fueled by elite martial arts, stealth mastery, and a tactical mind that's second to none, Nightwing is the pinnacle of human potential unleashed.But across from him? Pure, unpredictable chaos—Remy LeBeau, aka Gambit. The mutant maverick with cards that explode, charm that kills, and reflexes that make bullets jealous. With kinetic energy pulsing through every fingertip and a bo staff that spins like a hurricane, Gambit brings mutant power and streetwise flair into every brawl.This isn't just a fight—it's strategy vs. swagger, discipline vs. danger, acrobatics vs. anarchy. Can Nightwing's precision, experience, and battle-tested gear shut down Gambit's unpredictable offense? Or will Gambit turn the battlefield into a glowing graveyard of charged explosions and sleight-of-hand destruction?Join hosts James Gavsie and Eric Holmes as they dive deep into martial arts styles, mutant feats, staff-fighting finesse, and rooftop warfare. Will Nightwing prove that training beats talent every time? Or will Gambit deal the ace of spades and walk away with the win?Email - whowouldwinunleashed@gmail.comYou can now support us on Patreon at Patreon.com/WhoWouldWinShowCheck out the Who Would Win Unleashed YouTube Channel!Join our Facebook Group: https://www.facebook.com/groups/whowouldwinshowFollow us on X/Twitter: @jamesgavsie @whowouldwinshowFollow us on IG and Threads: @WhoWouldWinShow @jamesgavsie @theericholmesCheck out the Who Would Win Merch Store:https://saywerd.co/collections/who-whould-win-merchSupport this podcast at — https://redcircle.com/who-would-win/donationsAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacySupport this podcast at — https://redcircle.com/who-would-win/donationsAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacySupport this podcast at — https://redcircle.com/who-would-win/donationsAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacySupport this podcast at — https://redcircle.com/who-would-win/donationsAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacySupport this podcast at — https://redcircle.com/who-would-win/donationsAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacySupport this podcast at — https://redcircle.com/who-would-win/donationsAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacySupport this podcast at — https://redcircle.com/who-would-win/donationsAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacySupport this podcast at — https://redcircle.com/who-would-win/donationsAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

AOTR NOLA *Brought to you by Coin Trader Inc*Coin Trader Inc. - Visit www.goldpricesnow.comHosted by Victor Del Giorno "The King Of All Podcasting"Co-hosts Ted Semper- Nick VoebelSeason SEVEN!On The Show: Special Guest Ella Grace Francis-New song "Footprints" from the album Waves https://www.instagram.com/ella.grace.francis/?hl=enSupport the show (https://www.allovertheroadpod.com/)  https://linktr.ee/allovertheroadpodcastShare your story at the 24 hour listener comment line:  504-603-6753 ALL OVER THE ROAD - Originates in New Orleans, LA..Support the showSupport the show

Welcome Back Y'all! - TICKET GIVEAWAY - This week we're giving away 2 pairs of tickets to EssenceFest Next weekend in New Orleans, NO! Special instructions during #HONORABLEMENTIONS! This week our #OTWEEKLYPLAYLIST has sounds from Keke Palmer, Bambii, KWN, and Terrace Martin & Kenyon Dixon! During #MUSICNEWS we discuss BRANDY & MONICA finally going on tour after 27 years! During #THEBLACKNESS we get into "Zohran Kwame Mamdani" winning the NYC Mayoral Democratic Primary race, and shine a #QUEENSPOTLIGHT on Donna Summer on our last show of Black Music Month! Follow Us: All Links: ⁠⁠⁠⁠⁠https://linktr.ee/otwweekly⁠⁠⁠⁠⁠ Email: onthewaypod@gmail.com Instagram/Twitter: ⁠⁠⁠⁠⁠@onthewayweekly⁠⁠⁠⁠⁠ FB: ⁠⁠⁠⁠⁠facebook.com/onthewaypod⁠⁠⁠⁠⁠ | Youtube: ⁠⁠⁠⁠⁠https://bit.ly/3CWxgPZ⁠⁠⁠⁠⁠ Website: ⁠⁠⁠⁠⁠instinctent.com/ontheway⁠⁠⁠⁠⁠ | ⁠⁠⁠⁠⁠www.mochapodcastsnetwork.com/ontheway⁠⁠⁠⁠⁠ Sylvee - ⁠⁠⁠⁠⁠@sweatbyvee⁠⁠⁠⁠⁠ Kahlil - ⁠⁠⁠⁠⁠@kahlilxdaniel⁠⁠⁠⁠⁠ | ⁠⁠⁠⁠⁠www.kahlildaniel.com⁠⁠⁠⁠⁠ | ⁠⁠⁠⁠⁠www.facebook.com/kxdmusic Learn more about your ad choices. Visit megaphone.fm/adchoices

Chris Dodson, a Pelicans reporter for ClutchPoints, joined Sports Talk. Dodson evaluated Maryland C Derik Queen and Oklahoma PG Jeremiah Fears, the two players New Orleans drafted in the first round. Dodson also broke down the Pelicans' blockbuster trade with the Washington Wizards.

On this Sidebar, we are joined as always by Tommy Badeaux of the Law Office of Tommy J. Badeaux. We discuss legal issues, including the controversial claims of New Orleans lawmakers who said this week that they owned Port Fourchon.

Listen as KBTHABANDHEAD gives his review/analysis of the 2025 Summer Band battle between the New Orleans All-Star Band and the Mississippi Alumni All-Star Mass band. I hope you enjoy the commentary. Please leave a comment with any thoughts or concerns you may have. More is on the way. STAY TUNED!!   Website: https://www.bskillzentertainment.com/ Watch my REACTIONS on YouTube: https://www.youtube.com/c/kbthabandhead Instagram: https://www.instagram.com/kbthabandhead/ TikTok: https://www.tiktok.com/@kbthabandhead?lang=en Merch: https://kbthabandhead.myspreadshop.com/

Mike Steely and Blake Gamble start your Thursday off with a recap of the 1st round of the 2025 NBA Draft.  OU guard Jeremiah Fears was selected by the Pelicans 7th overall and the Thunder drafted Gerogetown center Thomas Sorber with the 15th pick before making a trade of their other selection.  The guys also turn back the clock and get into some of Steely's shenanigans of yesteryear. 

Es Baraheni and Andrew Schlecht break down the Celtics trading Jrue Holiday to the Blazers and Porzingis to the Hawks and how these trades affect the Hawks, Blazers and Celtics. They also discuss the Jordan Poole to New Orleans trade and the overall direction of the Pelicans. Then the guys take a break to discuss the extensions of Kyrie Irving and Daniel Gafford PLUS a quick NBA Draft Preview. Host: Es BaraheniWith: Andrew SchlechtExecutive Producer: Andrew Schlecht Hosted on Acast. See acast.com/privacy for more information.

Saigon fell in April 1975. Shortly thereafter Vietnamese immigrants began arriving in New Orleans. Now, fifty years after the fall of Saigon, the Historic New Orleans Collection has created an exhibition telling their stories. Join me as I sit down with Senior Historian and Mark Cave to discuss the details.

We're celebrating our 10th anniversary all year by digging in the vaults to re-present classic episodes with fresh commentary. Today, we're revisiting our 2021 conversation with Ani DiFranco. ABOUT ANI DIFRANCOSinger, songwriter, musician, producer, poet, author, spoken-word artist, activist and entrepreneur Ani DiFranco has released more than 20 independent studio albums on her own label, Righteous Babe Records. Though often classified as “alternative folk,” DiFranco's musical influences span a range of genres. After relentless touring, she reached a wide commercial audience in the late 1990s and early 2000s with albums such as Little Plastic Castle, Up Up Up Up Up Up, Revelling/Reckoning, Evolve, Educated Guess, and the gold-certified live album Living in Clip. The Grammy winner and nine-time nominee achieved her sole Top 40 hit as a songwriter when Alana Davis covered the DiFranco classic “32 Flavors” in 1997. The prolific and critically-acclaimed performer developed her own uniquely percussive guitar style and has collaborated with a range of artists, including Bon Iver's Justin Vernon, Bruce Cockburn, Pete Seeger, Utah Phillips, Maceo Parker, and Prince. In addition to releasing her own music, her label has issued recordings by Sara Lee, Andrew Bird, Nona Hendryx, and others. Ani was one of the first musicians to receive the Woman of Courage Award from the National Organization for Women, and was honored with both the Woody Guthrie Award and the Southern Center For Human Rights' Human Rights Award. Her memoir, No Walls and the Recurring Dream, was released in 2019 by Viking Books. At the time we spoke with her, the New Orleans-based DiFranco's 2021 album, Revolutionary Love, was just about to be released. 

We get into a secret partnership between the New Orleans Police Department and Project NOLA, a private nonprofit organisation that owns and operates an extensive network of cameras blanketing New Orleans. For years, Project NOLA has been running live facial recognition through their cameras and sending automated notifications to the police when a match is made using Project NOLA's privately maintained list of “wanted people.” By going through an unofficial private partner, police have been able to sidestep and undermine legal prohibition on their use of AI technologies like facial recognition. We get into the history of using New Orleans as a testbed for policing technology, the dangerous precedent being set by this public-private relationship, and how this surveillance nightmare is on track to become even more expansive and unleashed thanks to potential policy changes. ••• Police secretly monitored New Orleans with facial recognition cameras https://www.washingtonpost.com/business/2025/05/19/live-facial-recognition-police-new-orleans/ ••• A bad facial recognition match costs Jefferson Parish Sheriff Joe Lopinto's office. See how much https://www.nola.com/news/jefferson_parish/facial-recognition-sheriff/article_3ed262bc-e360-4383-82fb-728b3783cb93.html ••• New Orleans City Council proposed ordinance https://cityofno.granicus.com/MetaViewer.php?view_id=42&clip_id=5115&meta_id=741682 Standing Plugs: ••• Order Jathan's new book: https://www.ucpress.edu/book/9780520398078/the-mechanic-and-the-luddite ••• Subscribe to Ed's substack: https://substack.com/@thetechbubble ••• Subscribe to TMK on patreon for premium episodes: https://www.patreon.com/thismachinekills Hosted by Jathan Sadowski (bsky.app/profile/jathansadowski.com) and Edward Ongweso Jr. (www.x.com/bigblackjacobin). Production / Music by Jereme Brown (bsky.app/profile/jebr.bsky.social)

TJ Pitre is the Founder and CEO of Southleft, LLC, a front-end application design and development agency based in New Orleans. With over 20 years of experience in the tech industry, he has grown Southleft into a multimillion-dollar agency, partnering with global brands such as IBM, Google, Caterpillar, and PetSmart, as well as community-driven organizations—all without relying on traditional sales or marketing methods. Before founding Southleft, TJ held prominent roles, including Director of Internet Front-End Development for Martha Stewart Living and web developer for Emeril Lagasse's restaurant group. In this episode… Growing up in poverty can shape a person's outlook in profound ways. For some, it creates limiting beliefs; for others, it becomes fuel for ambition. But how does one break free from generational cycles of hardship to build a thriving business in the competitive world of technology? TJ Pitre found his escape in art, which led him down a winding path of freelance graphic design, web development, and ultimately entrepreneurship. Along the way, he worked with some of the biggest names in media, including Emeril Lagasse and Martha Stewart, honing his skills in front-end development. With encouragement from mentors and family, TJ launched Southleft, building an agency that bridges the gap between design and development while serving high-profile clients. Tune in to this episode of the Smart Business Revolution Podcast as John Corcoran interviews TJ Pitre, Founder and CEO of Southleft, LLC, about his inspiring rise from poverty to business ownership. TJ discusses his early creative pursuits, his career working for Martha Stewart and Emeril Lagasse, and the leap of faith that launched Southleft. He also touches on growing up without financial stability, the pivotal role of mentors, and how he built long-term client relationships.

235. Who do you consider a lifelong friend? Someone you've known for decades? A newer friend you feel deeply bonded to? In the final episode of The Heart of Friendship series—celebrating connection, sisterhood, and shared growth—I chat with my dear friend Michelle, who I've been friends with since we were 16, for a heartfelt, funny, and honest conversation about what it means to grow up and older together. We share behind-the-scenes stories from our wild days in our 20s (like lying to our moms and driving 27 hours from Minneapolis to New Orleans for Mardi Gras just to follow a boy), reflect on how we've changed (and stayed the same), and and talk candidly about navigating our 50s without children—making peace with that, and what it's meant for our lives and friendship. Through laughter, love, and deep appreciation, we explore what it really means to keep showing up for each other over decades. This one's for anyone who knows the beauty—and the sacredness—of a friendship that lasts a lifetime. ~ ~ > A new way to work with me! The 5 Session Focus Series. ~ ~ < Email info@thewellnessheadquarters.com with "Tell me more" and I'll send you the details.AND..... If this podcast has inspired you, informed you, or spoken to you in any way, I welcome your support. "Buy me a coffee" and make a contribution here. ​ As little as $5 helps nourish the podcast of bringing positively anti-inflammatory to life which is here to help support you on your journey. Thank you!

What does it take to grow from a Craigslist rental to a $100 million real estate portfolio—and still stay true to your values?In this episode, we sit down with Michael Merideth, co-founder and CEO of VPG Enterprises in New Orleans. A former petroleum engineer and minor league baseball player, Michael's journey into real estate began with a bold leap—and a belief that his community deserved better. With fraternity brothers turned co-founders, he bootstrapped VPG from envelope-stuffing side hustle to one of the nation's fastest-growing real estate firms.We explore the mechanics behind that rise: creative financing, vertical integration, and building trust in a historically insular market. Michael shares the power of partnerships, how to spot a real opportunity, and what it means to do deals that make a difference. He also opens up about today's headwinds facing Black-owned businesses, and how he's evolving while staying rooted in mission.Whether you're building your first fourplex or scaling to institutional capital, this episode is a masterclass in grit, vision, and legacy.Resources:Learn more at The Color of MoneyVPG Enterprises: vpgenterprise.comRead: Rich Dad Poor Dad by Robert KiyosakiBecome a real estate agent HEREConnect with Our HostsEmerick Peace:Instagram: @theemerickpeaceFacebook: facebook.com/emerickpeaceDaniel Dixon:Instagram: @dixonsolditFacebook: facebook.com/realdanieldixonLinkedIn: linkedin.com/in/dixonsolditYouTube: @dixongroupcompaniesJulia Lashay:Instagram: @iamjulialashayFacebook: facebook.com/growwithjuliaLinkedIn: linkedin.com/in/julialashay/YouTube: @JuliaLashayBo MenkitiInstagram: @bomenkitiFacebook: facebook.com/obiora.menkitiLinkedIn: linkedin.com/in/bomenkiti/Produced by NOVAThis podcast is for general informational purposes only. The views, thoughts, and opinions of the guest represent those of the guest and not  Keller Williams Realty, LLC and its affiliates, and should not be construed as financial, economic, legal, tax, or other advice. This podcast is provided without any warranty, or guarantee of its accuracy, completeness, timeliness, or results from using the information.

The Wizards traded Jordan Poole, Saddiq Bey and the No. 40 pick to New Orleans for CJ McCollum, Kelly Olynyk and a 2027 second-round pick. Greg broke down the trade and offered analysis on why the Wizards dealt Poole. Enjoy!

Our next guest is the Executive Chef and Owner of Frontier, Ina Mae Tavern and Packaged Goods, as well as Migos Fine Foods. He has successfully embedded southern comfort food into Chicago. We reflect on his journey from New Orleans to Miami and eventually landing in Chicago. We discuss the current state of the hospitality industry in Chicago as well as his long term goals that expand beyond being a chef. Brian is down to earth and generous. Please enjoy my conversation with Brian Jupiter. https://www.migoschicago.com/https://www.thefrontierchicago.com/https://www.inamaetavern.com/

Welcome, my friends, to Paranormal Heart podcast.  I'm your host, Kat Ward. Thank you so much for tuning in.The views and opinions expressed on Paranormal Heart Podcast are not necessarily those of the show host, network or producers. Paranormal Heart Podcast is always respectful and courteous to all involved.Folks, my special guest tonight is the big man himself, owner of United Public Radio Network, 107.7 and 105.3 The Golf Coast, Mr. Joe Montaldo. Joe is co-founder, international director and spokesperson for I.C.A.R. the International Community for Alien Research with over 70,000 members/contactees. Joe is also a native of New Orleans, Louisiana, ex-navy with three degrees in Advanced Electronics and Avionics as well as having a bachelor's degree in advanced Electronics and Avionics.Thank you to my special guest tonight, Mr Joe Montaldo and UPRN, 107.7 New Orleans and 105.3 the Gulf Coast. Remember, if you enjoyed   the show, please support us by Liking, Subscribing, Sharing and Commenting. “Another way to help support the show is by grabbing some swag! If you'd like to pick up your very own Paranormal Heart Podcast mug, just drop me an email at paranormalheart13@gmail.com. And make sure you mark your calendars for next week, June17 at 6 p.m. EST as Paranormal Heart Podcast has another live segment. My guests will be Michelle Desrochers and Wayne Mallows, you may have heard of them lol. Michelle and Wayne will be discussing The Haunted Mansion they used to live in. Lots of activity. Until next time, take care of each other. Much love to you all!

“I didn't think if I stayed, I'd be alive'—that electrifying moment, when Konstance Patton revealed how everything changed the moment she stepped out of Detroit, sets the tone for this compelling episode. In a deeply resonant conversation with Khary Frazier, Patton weaves together the threads of her Black Detroit legacy—from ancestral roots in the Carolinas, Virginia, and New Orleans to intergenerational artistry that stretches back to her grandmother's kiln in Brightmoor and massive bead‑worked Last Supper in a Petoskey museum. She reflects on formative childhood memories riding a bike past seven‑mile gravesites, the comfort of her grandmother's quilts and pottery, and how early encounters with classical violin and swimming taught discipline and collaboration. Through her travels—from a shocking culinary awakening in London to soulful inspirations in Egypt, India, Italy—Patton found her voice in visual storytelling. Now, drenched in paint at her annual ‘potluck' gatherings at Detroit's Talking Doll Studios, her immersive events bring together healing, yoga, music, food, and multi‑generational Black creatives. She tears back the curtain on how grief, burnout, and pandemic‑era protests catalyzed her bold new goddess sculptures—resin and bronze Venus figures cast with beads and needles from her lineage—and how her guerrilla‑style Imani portrait in NYC still stops strangers in their tracks. With upcoming shows at the DIA and deep ties to Detroit institutions like Bird's bar and Talking Doll Studios, this episode captures a living legacy—rooted in the past, dynamically shaping the future of Legacy Black Detroit. Detroit is Different is a podcast hosted by Khary Frazier covering people adding to the culture of an American Classic city. Visit www.detroitisdifferent.com to hear, see and experience more of what makes Detroit different. Follow, like, share, and subscribe to the Podcast on iTunes, Google Play, and Sticher. Comment, suggest and connect with the podcast by emailing info@detroitisdifferent.com

Ineffective adhesive retention. French Quarter in New Orleans enjoys its trash collection. Law enforcement veteran breaks down the broken windows theory. Twin Cities Marathon makes certain runners less than. Johnny Heidt with guitar news. Heard On The Show:Melissa and Mark Hortman to lie in state at Capitol; funeral planned for Saturday morningMNA members authorize strike at Twin Cities, Duluth area hospitalsLive updates: Trump claims Israel-Iran ceasefire is ‘in effect' despite initial violationsSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

It's the 75th anniversary of the Korean War. Looking at the politics and history of the "Forgotten War," we talk with journalist Tim Shorrock. We disucss the Open Door in Asia, the Japanese occupation of Korea, communist resistance to it, the rise of right wing South Korean forces, North Korea crossing the 38th parallel, the Cold War and more. Bio//Tim Shorrock is an American writer and commentator on US foreign policy, US national security and intelligence, and East Asian politics. He is author of "The Political Economy of the Pacific Rim: An Analysis of the Relationship Between the Pacific Northwest and East Asia," and "Spies for Hire: The Secret World of Intelligence Outsourcing."----------------------------------------------Outro- "Green and Red Blues" by MoodyLinks//+ Tim's Substack: https://substack.com/@timshorrock + Tim's Website: https://timshorrock.com/Follow Green and Red// +G&R Linktree: ⁠⁠⁠https://linktr.ee/greenandredpodcast⁠⁠⁠ +Our rad website: ⁠⁠⁠https://greenandredpodcast.org/⁠⁠⁠ + Join our Discord community (https://discord.gg/3a6AX7Qy)+Follow us on Substack (https://greenandredpodcast.substack.com)+Follow us on Bluesky (https://bsky.app/profile/podcastgreenred.bsky.social)Support the Green and Red Podcast// +Become a Patron at https://www.patreon.com/greenredpodcast +Or make a one time donation here: ⁠⁠⁠https://bit.ly/DonateGandR⁠⁠⁠ Our Networks// +We're part of the Labor Podcast Network: ⁠⁠⁠https://www.laborradionetwork.org/⁠⁠ +We're part of the Anti-Capitalist Podcast Network: linktr.ee/anticapitalistpodcastnetwork +Listen to us on WAMF (90.3 FM) in New Orleans (https://wamf.org/) + Check us out! We made it into the top 100 Progressive Podcasts lists (#68) (https://bit.ly/432XNJT) This is a Green and Red Podcast (@PodcastGreenRed) production. Produced by Bob (@bobbuzzanco) and Scott (@sparki1969). Edited by Scott

Massive breaking news happened during the show as the Wizards traded away star guard Jordan Poole. Could the Wizards set themselves up for a big draft night trade?

Erica Stern joins Let's Talk Memoir for a conversation about self-interrogation and taking risks to tell the story we need to, exploring the liminality of a lived experience through the speculative, hybrid memoir and leaning into history and research to illuminate and deepen understanding, the unexpected complications she experienced in childbirth, the historical misogyny in U.S. medical system, the male takeover of birth, how trauma can stunt empathy, trusting the work will go where it needs to go, giving our projects time and space to grow, when publishers and editors are not quite sure what to make of your book, exercising control over the uncontrollable, the long road to publishing, capturing the timelessness of an experience, and her new book Frontier: A Memoir and a Ghost Story.    Also in this episode:  -discovering material through writing -meditations on the history of childbirth -when an editor encourages you to make your book even more like itself   Books mentioned in this episode:   -The Suicide Index by Joan Wickersham -An Encyclopedia of Bending Time by Kristen Keane -My Autobiography of Carson McCullers by Jenn Shaplans -A Life's Work: On Becoming a Mother by Rachel Cusk   Erica Stern's work has been published in The Iowa Review, Mississippi Review, Denver Quarterly, and elsewhere. She has been awarded fellowships and residencies from the Vermont Studio Center, the Martha's Vineyard Institute for Creative Writing, and the Virginia Center for Creative Arts. Erica received her undergraduate degree in English from Yale and her MFA from The School of the Art Institute of Chicago. A native of New Orleans, she now lives with her family in Evanston, Illinois.   Connect with Erica: Website: erica-stern.com Instagram: @ericasternwriter Substack: @ericastern Bluesky: @ericarstern.bsky.social Get the book: https://bookshop.org/p/books/frontier-a-memoir-and-a-ghost-story/876292ffe52fe93f?ean=9798985008937&next=t&next=t https://www.barnesandnoble.com/w/frontier-erica-stern/1146916883?ean=9798985008937 https://www.barrelhousemag.com/books/frontier-erica-stern   – Ronit's writing has appeared in The Atlantic, The Rumpus, The New York Times, Poets & Writers, The Iowa Review, Hippocampus, The Washington Post, Writer's Digest, American Literary Review, and elsewhere. Her memoir WHEN SHE COMES BACK about the loss of her mother to the guru Bhagwan Shree Rajneesh and their eventual reconciliation was named Finalist in the 2021 Housatonic Awards Awards, the 2021 Indie Excellence Awards, and was a 2021 Book Riot Best True Crime Book. Her short story collection HOME IS A MADE-UP PLACE won Hidden River Arts' 2020 Eludia Award and the 2023 Page Turner Awards for Short Stories.  She earned an MFA in Nonfiction Writing at Pacific University, is Creative Nonfiction Editor at The Citron Review, and teaches memoir through the University of Washington's Online Continuum Program and also independently. She launched Let's Talk Memoir in 2022, lives in Seattle with her family of people and dogs, and is at work on her next book. More about Ronit: https://ronitplank.com Subscribe to Ronit's Substack: https://substack.com/@ronitplank Follow Ronit: https://www.instagram.com/ronitplank/ https://www.facebook.com/RonitPlank https://bsky.app/profile/ronitplank.bsky.social   Background photo credit: Photo by Patrick Tomasso on Unsplash Headshot photo credit: Sarah Anne Photography Theme music: Isaac Joel, Dead Moll's Fingers

Josh S and Robin R talk and take questions on the promises of step three at Big Deep South Convention in New Orleans, LA on 06-08-25

0:00 ... Show open ... Bruce Bernstein introduces co-host Michael "World B" Freer and our special guest Dave Wohl, the former player, coach, and general manager. 0:56 ... Dave reflects on the just concluded NBA Finals series between the OKC Thunder and Indiana Pacers.  Dave felt that these two teams may meet again in the Finals at some point. 2:06 ... World B points out that OKC may not even have shown the best version of what they can still become as a team.  Dave praises OKC GM Sam Presti for the way he built the Thunder into a championship squad. 4:36 ... Bruce points out that NBA players voted Tyrese Haliburton the "most overrated" player in the league and silly they look now.  Dave explains how Haliburton's growth whas been so much fun to watch. 5:59 ... World B asks about whether the league has to address the length of the season given the number of high profile injuries.  Dave explains why that may not be feasible but suggests a lengthy break midway through the season so players can mentally and physically recharge. 8:40 ... Bruce points out the uniform numbers of the three players who suffered the achilles were all "0."  Dave points out how achilles injuries can be so random. 9:53 ... Shai Gilgeous Alexander was originally drafted by the Clippers and traded to OKC in Sam Presti's greatest move.  Dave goes through some of Presti's moves while also defending the trade with LA due to the wishes of owner Steve Ballmer. 12:45 ... Bruce transitions to the Kevin Durant trade where he went from the Suns to the Rockets and asks Dave if this closes the gap between the Rockets and the Thunder.  Dave likes the deal for Houston but thinks they may miss Dillon Brooks and his defense. 14:59 ... Did the Rockets simply give up on Jalen Green?  Dave feels Durant gets them closer to a title more quickly than Green ever could. 17:17 ... How does this deal affect the future of the Phoenix Suns franchise given their bad salary situation? 19:10 ... The New York Knicks' pursuit of the coaches from five other teams has affected their relationships with a lot of teams.  How much damage was done?   The Knicks didn't have a plan and now whomever they sign will be their 6th or 7th choice. 21:50 ... In spite of the Knicks mis-steps, they're still a premier eastern conference team, so is it better for the NBA to have a lot of teams that COULD win as opposed to fewer elite teams like OKC that could be a future dynasty? 24:06 ... Bruce asks Dave about Tom Thibodeau's decision to bring Josh Hart off the bench and whether the fact that Hart suggested the change might have caused Knicks management to question Thibs' leadership. 27:25 ... The Lakers will be sold for $10 billion and as a former member of the Lakers organization, Dave has some thoughts on how the "Mom and Pop" nature of the team might change under a more corporate ownership.  Jeanie Buss will still represent the team as their "Governor," but her input on basketball decisions might be affected. 29:54 ... How will the price tag for the Lakers affect the entry fees for the next NBA expansion teams, which are expected to be Seattle and Las Vegas? 32:08 ... Dave sounds off on what expansion teams are like to work for since he worked for the Miami Heat when they were an expansion team.  He feels that expansion teams start with a clean slate and can build their own unique culture.  Dave hired Erik Spoelstra as video coordinator and explains why Spo' appealed to him as a young potential hire. 34:27 ... The NBA Draft is on Wednesday night and we discuss five "bottom feeder" teams and what their goals should be in the draft.  Danny Ainge and the Utah Jazz are first. 35:51 ... The Washington Wizards are next ... members of their management all worked in OKC and Dave feels they'll follow Sam Presti's model. 37:08 ... Washington is a major market while Oklahoma City is not.  Does that affect the Wizards' ability to use the OKC model, which requires patience. 39:04 ... The Charlotte Hornets are picking at #4 ... and have missed the playoffs the last 9 years ... they have some talent on the roster so they'll probably draft for a position. 40:32 ... New Orleans picks at #7 but Zion Williamson's lack of reliability really hurts this franchise and also negatively affects his trade value. 42:20 ... Philadelphia is a "bottom feeder" in name only as they were devastated by injuries last season.  Can they use the #3 pick wisely and get healthy in time for next season?  Will they have to use the trade market more than the draft in order to improve? 44:02 ... Philly's Joel Embiid was one of several Olympians who were injured this season but Dave feels that their injuries were not the result of their Olympic obligations.  Dave explains how players who work hard all summer can wear their bodies out even though they're not playing in games. 46:41 ... Bruce asks everyone for their overall thoughts on the season that just concluded.  Dave felt it was a "season of change." 47:52 ... World B feels like OKC is built for a run that could result in multiple titles. 49:30 ... Bruce wants to give Pacers coach Rick Carlisle his flowers for a sensational coaching job this season and how he will end up in Springfield one day. 50:22 ... Bruce wraps it up ... thanks everyone ... teases the NBA Draft and next week's show ... TRT 51:23            

Episode #121 - In this episode of the Awakened Heart Podcast, I'm thrilled to welcome Ron Bienvenu—a man I've known personally for years and who never fails to challenge the status quo. From our first meeting at The Whaler in Venice Beach to visits in New Orleans, Ron's unique perspective on life and technology has always inspired me.Ron's new book, The Fifth Shock, serves as a philosophical wake-up call addressing the profound shifts happening in our world today. In our conversation, we explore the complex relationship between spirituality, artificial intelligence, and the future of humanity. Ron is the Founder and Managing Partner of Noetic Investment Partners, with over 40 years of experience in technology and finance. He's been instrumental in shaping the way companies approach data and AI, especially through his work in data assetization—turning data into a capital-grade asset.Ron discusses how AI is transforming human identity, the critical need for economic innovations like Universal Behavioral Income, and the moral responsibilities we face with advancing technology. He advocates for the integration of human wisdom into AI systems and a digital Bill of Rights to safeguard individual freedom in a rapidly evolving digital era. Beyond the intellectual discussion, Ron shares a deeply personal story about his daughter, a storm in Tulum, and a poignant poem that encapsulates resilience and courage.This episode blends cutting-edge ideas with heartfelt storytelling—a must-listen for anyone curious about the future of technology, spirituality, and human sovereignty.TakeawaysThe conversation explores the awakening to spirituality and AI.Wisdom is essential in the age of AI.Humanity must navigate the challenges posed by AI.The need for a Universal Behavioral Income is highlighted.AI should enhance human agency, not replace it.Geopolitical implications of digital power are significant.Data is becoming the most valuable asset in the modern economy.Consciousness may be the key to understanding the universe.Moral implications of AI must be addressed.  Machines rely on human creativity and authenticity.Innovation's value is declining due to rapid replication.Congress has become ineffective in governance.The media has compromised its integrity for profit.A grassroots revolution is necessary for change.Parenting can instill strength and independence in children.Life lessons can be learned through shared experiences.Mediocrity should be avoided in pursuit of greatness.The meaning of life is a profound question worth exploring.Sound Bite"How do we navigate this?""My voice is my whip.""Mediocrity is a disease."Chapters00:00 Introduction and Personal Connection01:48 Awakening to Spirituality and AI05:30 The Human Experience vs. AI08:46 Data Sovereignty and Behavioral Income12:20 The Future of AI and Human Agency15:47 Geopolitical Implications of Digital Rights19:32 The Evolution of Wealth and Value22:45 The Broken Accounting System and Change26:11 Spirituality and the Path Forward30:34 The Devil's Bargain: A Reflection on Spirituality31:26 The Metaverse and Voluntary Extinction32:16 Preserving Human Consciousness in a Digital Age35:58 The Intersection of Technology, Philosophy, and Spirituality37:33 Consciousness as the Fifth Element38:47 Spiritual Recursion and Algorithmic Logic42:34 Moral Constructs in a Digital World46:29 The Homogenization of Beauty and Authenticity49:24 Innovation and the Value of Networks53:07 Disappointment in Governance and Media56:34 Global Political Landscape and the Call for Change01:01:12 A Stormy Journey: Father-Daughter Bonding and Life Lessons01:10:27 Empowerment Through Authenticity and Courage01:14:35 Navigating the Future: Technology, Sovereignty, and Human ConnectionConnect with Ron:linkedinInstagram Facebook XThe Fifth ShockXIG FacebookLet's Connect!⁠Website⁠Instagram FacebookYoutubeRumble⁠Tik Tok⁠Linkedin

SPECIAL PODISODE! THREE YEARS SINCE THE FALL OF ROE? Woof. It's been a heavy three years and an even heavier past few weeks.  June 24th marks the 3rd anniversary of the fall of Roe (sobs). So, diving into what has happened to abortion access since then means bringing in THE BIG GUNS. It's big Buzzkill energy as Lizz welcomes the incomparable constitutional genius Dr. Michele Goodwin to talk about just how damn far we've fallen and what legal challenges are ahead. Also sharing her reflections is abortion provider extraordinaire, CEO of Whole Woman's Health, Amy Hagstrom Miller. Since the fall of Roe (and before) Amy has sued Texas, Indiana, and the federal government, all while providing abortion care in states like Maryland, Virginia and Minnesota. Amy also recounts the terror she and her Minnesota staff experienced as the antiabortion terrorist Vance Boelter was on the loose.This truly is an eye-opening episode that everyone should listen to. Scared? Got Questions about the continued assault on your reproductive rights? THE FBK LINES ARE OPEN! Just call or text (201) 574-7402, leave your questions or concerns, and Lizz and Moji will pick a few to address on the pod! Times are heavy, but knowledge is power, y'all. We gotchu.  OPERATION SAVE ABORTION: Sign up for virtual 2025 OSA workshop on August 9th! You can still join the 10,000+ womb warriors fighting the patriarchy by listening to our past Operation Save Abortion pod series and Mifepristone Panel by clicking HERE for episodes, your toolkit, marching orders, and more. HOSTS:Lizz Winstead IG: @LizzWinstead Bluesky: @LizzWinstead.bsky.socialMoji Alawode-El IG: @Mojilocks Bluesky: @Mojilocks.bsky.social SPECIAL GUESTS:Dr. Michele Goodwin IG: @michelebgoodwin Bluesky: @michelebgoodwin.bsky.socialAmy Hagstrom Miller IG: @amyhagstrommiller @wholewomans @wwhalliance GUEST LINKS:Whole Woman's Health WebsiteDr. Michele Goodwin's WebsiteREAD: “Policing the Womb”LISTEN: “On the Issues With Michele Goodwin” Podcast NEWS DUMP:Minnesota Shooter's List Reportedly Included Abortion Providers and AdvocatesCrisis Pregnancy Centers Ask Supreme Court to Revive Suit Against New JerseyAbortion Providers Challenge FDA's Remaining Mifepristone Restrictions in Federal Court EPISODE LINKS:TICKETS: Netroots Nations in New Orleans (use the code “BUZZKILLS” for 10% off)SIGN UP 8/9: (VIRTUAL) Operation Save Abortion at Netroots 2025 BUY AAF MERCH!Operation Save AbortionSIGN: Repeal the Comstock ActEMAIL your abobo questions to The Feminist BuzzkillsAAF's Abortion-Themed Rage Playlist SHOULD I BE SCARED? Text or call us with the abortion news that is scaring you: (201) 574-7402 FOLLOW US:Listen to us ~ FBK PodcastInstagram ~ @AbortionFrontBluesky ~ @AbortionFrontTikTok ~ @AbortionFrontFacebook ~ @AbortionFrontYouTube ~ @AbortionAccessFrontTALK TO THE CHARLEY BOT FOR ABOBO OPTIONS & RESOURCES HERE!PATREON HERE! Support our work, get exclusive merch and more! DONATE TO AAF HERE!ACTIVIST CALENDAR HERE!VOLUNTEER WITH US HERE!ADOPT-A-CLINIC HERE!EXPOSE FAKE CLINICS HERE!GET ABOBO PILLS FROM PLAN C PILLS HERE!When BS is poppin', we pop off!

Mike and Charlie spoke to WWL listeners about the Pelicans' trade with the Washington Wizards. Mark Cook, an NBA scout, joined Sports Talk to preview the 2025 NBA Draft. Cook shared his thoughts on Rutgers wing Ace Bailey, Duke center Khaman Maluach, Michigan center Danny Wolf, Texas guard Tre Johnson, and Duke wing Kon Knueppel. Mike, Charlie, and Steve played their daily "Triple Option" segment.

Ready for a lighthearted break from business as usual? In this episode of Credit Union Conversations, host Mark Ritter sits down with MBFS COO Jeff Lyons for a fun and casual chat about summer vacations, Lisbon and the Netherlands, favorite conference destinations, the pros and cons of swag giveaways, and how their childhood summers compare to today's parenting. Whether you're into golf, beach days, or just need a few laughs, this episode has something for everyone.IN THIS EPISODE:(00:00) Intro: Meet MBFS COO Jeff Lyons(00:57) Mark recaps his Lisbon and the Netherlands vacation (02:38) Conference season wrap-up in Orlando and reflection on their favorite destinations (05:12) Discussion of the swag giveaways, determining they are ineffective marketing tools (07:03) Discussion of summer plans, wildlife sightings, and childhood summer memories(11:14) Modern parenting, grandparenting, and past parenting normsKEY TAKEAWAYS: Mark and Jeff reflect on their favorite (and least favorite) conference destinations, highlighting cities like New Orleans and Charleston for their food and culture, while expressing fatigue with places like Las Vegas and Destin in peak summer.Mark shares his distaste for promotional conference swag, calling it ineffective marketing, while Jeff admits he still enjoys collecting tchotchkes, though even he hasn't seen anything new or innovative lately.The conversation shifts to summer plans, from golfing and beach weekends to hiking and fishing. The two also reminisce about their vastly different childhood experiences, especially the freedom kids once had to roam unsupervised—something nearly unimaginable today.RESOURCE LINKSMark Ritter - WebsiteMark Ritter - LinkedInJeff Lyons - LinkedInBIOGRAPHY:MBFS provides credit unions with all aspects of business lending services.

Welcome, my friends, to Paranormal Heart podcast. Tonight's segment is pre-recorded streaming on United Public Radio Network, 107.7 New Orleans and 105.3 the Golf Coast I'm your host, Kat Ward. Thank you so much for tuning in. Paranormal Heart Podcast is for entertainment purposes only. All information shared in this podcast is NOT professional advice. The views and opinions expressed on Paranormal Heart Podcast are not necessarily those of the show host, network or producers. Paranormal Heart Podcast is always respectful and courteous to all involved. Folks, my special guest tonight is best-selling author of six books who helps people visualize and access whole ew worlds of possibility, Cynthia Sue Larson. Cynthia is host of Living the Quantum Dream on the Dream Visions7 radio network, has a degree in physics from Berkeley, an MBA degree and a Doctor of Divinity and there is so much more to her. On segment 39, Cynthia will discuss communicating with pets, specifically with dogs, and how she is able to find a connection even when meeting a dog for the first time. Cynthia's Contact links: https://realityshifters.com/   If you'd like to help support the show, you can pick up you very own Paranormal Heart Podcast mug. Just message me at paranormalheart13@gmail.com. Much love and light to you all.   

In this episode of Together Real Bad, we're diving into the deep end of what love, gender energy, and fluidity actually look like in our relationship. From surprise birthday letters and edible arrangements in New Orleans to unpacking who “wears the pants” at home, we're getting real about how we show up for each other in ways that break the mold. We get personal about: Why labels like “stud” or “femme” don't fully fit us—and how we navigate assumptions. How our energies shift depending on the moment, from cuddling on the couch to fixing furniture. The real talk on gender presentation, soft life dreams, and what it means to be your full self in love. A restaurant horror story that turned into a conversation about expectations, service, and Black-on-Black care. Our take on love languages without calling them that—and how we live and love out loud, in public and private. And yes, we dish on our experience at Vegan Dale and the big next step for Jem Junkies at Boxville! Whether you're navigating your own relationship, rethinking what labels mean, or just in the mood for some honest, hilarious, queer-as-hell love talk—this one's for you.

The United States dropping bombs in Iran seems to fly in the face of Donald Trump's 'American first' policies ... But not so fast. Here's more takes from Tara Servatius at WORD Radio, Vineeta Sawker at WCCO Radio, CBS business analyst Jill Schlesinger, a Tulane University professor, Newell Normand at WWL in New Orleans and more.

Greg LaMotta has a Ph.D. in Caribbean and Latin American history and is a longtime activist on behalf f Cuba and has visited the island numerous times over the past 40 years. Here we talked about his most recent trip, for May Day, and the current situation there, including food and power shortages and strains on the medical system. But despite this, the Cubans are adapting and continuing to fight for their sovereignty amid the worst embargo in world history.-------------------------------------------------Follow Green and Red// +G&R Linktree: ⁠⁠⁠https://linktr.ee/greenandredpodcast⁠⁠⁠ +Our rad website: ⁠⁠⁠https://greenandredpodcast.org/⁠⁠⁠ + Join our Discord community (https://discord.gg/3a6AX7Qy)+Follow us on Substack (https://greenandredpodcast.substack.com)+Follow us on Bluesky (https://bsky.app/profile/podcastgreenred.bsky.social)Support the Green and Red Podcast// +Become a Patron at https://www.patreon.com/greenredpodcast +Or make a one time donation here: ⁠⁠⁠https://bit.ly/DonateGandR⁠⁠⁠ Our Networks// +We're part of the Labor Podcast Network: ⁠⁠⁠https://www.laborradionetwork.org/⁠⁠ +We're part of the Anti-Capitalist Podcast Network: linktr.ee/anticapitalistpodcastnetwork +Listen to us on WAMF (90.3 FM) in New Orleans (https://wamf.org/) + Check us out! We made it into the top 100 Progressive Podcasts lists (#68) (https://bit.ly/432XNJT) This is a Green and Red Podcast (@PodcastGreenRed) production. Produced by Bob (@bobbuzzanco) and Scott (@sparki1969). Edited by Bob.

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    

The United States dropping bombs in Iran seems to fly in the face of Donald Trump's 'American first' policies ... But not so fast. Here's more takes from Tara Servatius at WORD Radio, Vineeta Sawker at WCCO Radio, CBS business analyst Jill Schlesinger, a Tulane University professor, Newell Normand at WWL in New Orleans and more.

Check out the article in the latest issue of JDT about Barb and Elvis' visit to IDS: https://nam02.safelinks.protection.outlook.com/?url=https%3A%2F%2Fnadl.memberclicks.net%2Fassets%2Fjdt%2FJDTJJ25%2FFeature%2520JDT725.pdf&data=05%7C02%7CElvis%40derbydental.com%7Cc33fea7508384105f07a08ddad0e04e9%7C6fa28314e906466889bfaddab1c310c2%7C0%7C0%7C638856998445771892%7CUnknown%7CTWFpbGZsb3d8eyJFbXB0eU1hcGkiOnRydWUsIlYiOiIwLjAuMDAwMCIsIlAiOiJXaW4zMiIsIkFOIjoiTWFpbCIsIldUIjoyfQ%3D%3D%7C0%7C%7C%7C&sdata=a64QAz1D6fk6BQEJASihLI%2FzjALozgRhkauA4gpLzpE%3D&reserved=0 We all know and love Nowak Dental Supplies (https://www.nowakdental.com/) for not only their products and services, but for everything they do for our industry. This week we talk to two people from Nowak Dental Supplies (https://www.nowakdental.com/) that are bringing the conference/party of the year to New Orleans in November. Brandi Nowak is one half of the owners and she tells the story of starting in 2000. Taking over her grandfather's legacy that started in the 40s, she has helped the company become what it is today. At the beginning of 2025, they brought on Marybeth Starr to help them grow even more. Marybeth is a veteran of the vendor side of dental laboratories and brings experience to get the job done. Together they have put together NOLA Lab Fest (https://www.nolalabfest.com/) that is happening in New Orleans on November 7 & 8. This is a must attend event because it is going to be what these two are, fun. Register today at: https://www.nolalabfest.com/ THANK YOU to Aidite (https://www.aidite.com/) for sponsoring us! Go buy their stuff from Nowak... win/win for everyone! Take it from Jennifer Ferguson from Ivoclar. If you have a PM7 (https://www.ivoclar.com/en_us/products/digital-equipment/programill-pm7) or are thinking about getting a PM7 (Take it from Barb, you should), on July 1st Ivoclar is launching the "Ivoclar Block Module" that can speed up milling emax (https://www.ivoclar.com/en_us/products/digital-processes/ips-e.max-cad) by 45%!! The best part is that you can try it for FREE for 90 days. All you have to do is send them a message on Instagram at Ivoclar.na (https://www.instagram.com/ivoclar.na/) or send a email to jennifer.ferguson@ivoclar.com. Now go mill emax faster! Special Guests: Brandi Nowak and Marybeth Starr.

https://youtu.be/UizVi4fJzPs?si=MeLp0txegEzBkVLl CIVIC ENGAGEMENT: The Secret to Revitalizing Communities- this is how we improve our neighborhoods. It's a great way to teach the next generation about citizenship and how to be a part of something bigger than themselves. But what is involved in getting involved? Politics has an ugly reputation. How does one participate, get meaningful results, and keep ones sanity? Friend of the show, BLAIR DUQUESNAY, takes us through her experience navigating levee governance and politics in her hometown of New Orleans after Hurricane Katrina. She explains why civic activity is important to her and the example she wants to set for others. It's a great example of citizenship that we can all learn from. https://open.spotify.com/episode/3BjQeTf3nz5mgt6UD2pgpy?si=ntfqCSR1S2aCQvmVxSNQoA Summary In this conversation, Frazer Rice and Blair discuss the importance of community engagement and civic responsibility, particularly in the context of New Orleans post-Hurricane Katrina. Blair shares her journey into civic activism, the challenges faced in flood protection governance, and the grassroots efforts to raise awareness and advocate for reforms. They emphasize the significance of being informed and active citizens, the lessons learned from local democracy, and the need for ongoing engagement in community issues. Takeaways Civic engagement is crucial for community well-being. Personal experiences shape one's commitment to volunteerism. Grassroots advocacy can influence local governance. Awareness of local issues is essential for effective activism. Democracy requires active participation from citizens. Building relationships with elected officials is important. Researching issues enhances advocacy effectiveness. Community coalitions can broaden outreach efforts. Caring about local issues is a fundamental aspect of citizenship. Voting is a critical component of civic responsibility. The Secret to Sound Bites "We're all just humans in this process.""It's important to research the issues.""You have to vote to have a voice." Civic Engagement Chapters 00:00 Community Engagement and Civic Responsibility05:59 Political Challenges in Flood Management12:11 Lessons in Local Democracy? Titles Reinvigorating Our Communities Navigating Governance After Hurricane Katrina Other CIVIC ENGAGEMENT EPISODES https://frazerrice.com/civics/ WHAT IS CIVICS? https://frazerrice.com/all-the-presidents-money/ https://www.amazon.com/Wealth-Actually-Intelligent-Decision-Making-1-ebook/dp/B07FPQJJQT/ Keywords community engagement, civic responsibility, Hurricane Katrina, governance reforms, flood protection, grassroots advocacy, local democracy, civic engagement, informed citizen, activism, belle curve, blair duquesnay, ritholtz wealth, next capital, next vantage, frazer rice

Join me in a world-spanning adventure to battle an ancient Voodoo cult, as we talk about the classic point and click adventure title, Gabriel Knight: Sins of the Fathers!  Learn how the game was made, discover why it was a pretty risky move for Sierra in the early 90s, and listen in as we discuss whether it's still worth your time to grab your magical Schatenjagger talisman and explore the supernatural underbelly of New Orleans, even today. Join the discussion on Discord! Want more Classic Gaming Today?  Sign up as a patron at Patreon.com/ClassicGamingToday!

In this episode of the Only Business Podcast, we break down the new rules of business credit in 2025. From what lenders really look for to why your social media presence no longer matters, this episode uncovers the most common mistakes keeping entrepreneurs from getting funded. Listeners will learn how to prepare their financials, avoid predatory lenders, prove ROI, and build trust with underwriters. If you're serious about securing capital and growing your business, this episode is your blueprint.

The United States dropping bombs in Iran seems to fly in the face of Donald Trump's 'American first' policies ... But not so fast. Here's more takes from Tara Servatius at WORD Radio, Vineeta Sawker at WCCO Radio, CBS business analyst Jill Schlesinger, a Tulane University professor, Newell Normand at WWL in New Orleans and more.

People who own or run factories and refineries love to complain about how onerous it is to comply with the rules and regulations laid out by OSHA – the federal Occupational Safety and Health Administration. On the other hand, these same businesses brag about their safety record to attract and retain good employees. A local New Orleans company, American Safety, combines both of these elements in its day-to-day business: it consults on workplace safety, provides employee safety training, and it also finds and provides skilled, trained industrial employees. Corey Rosales is President and CEO of American Safety. On occasion, companies run afoul of OSHA. Usually it’s unintentional. Factories and refineries know they have to be OSHA compliant so for the most part they’re not setting out to cut corners or cheap-out on their employees’ safety. But things go wrong. Accidents happen. When they do, companies have to answer to OSHA. To help them navigate through that process and to set them up for a compliant, safer future, companies typically turn to lawyers who specialize in labor and employment law. One of our major sponsors at Out to Lunch is the law firm of Jones Walker. We’re taking advantage of that relationship today by inviting Jane Heidingsfelder to lunch. Jane is a partner at Jones Walker and a specialist in labor and employment law. She started at the firm in 2004 and to date she’s written over 50 articles about various aspects of labor law. As a leading legal authority on OSHA, Jane has clients all over the country. most of us, when we hear the term “Workplace safety” might react like we do during the safety instructions on a plane before take-off: We know it’s important, but we tune it out because we’ve heard it all before, and we hope it’s never going to happen. Indifference, denial, and hoping are not strategies for creating a safe and healthy work environment. When an incident occurs that you’re not prepared for, it can plunge a great job - or a great company - into a healthcare, employment, financial, and legal nightmare. Corey Rosales is dedicated to making sure that workday doesn’t come. Jane Heidingsfelder is also dedicated to heading off disasters before they happen, and to mitigating their after-effects when they do. Out to Lunch was recorded live over lunch at Columns in Uptown New Orleans. You can find photos from this show by Jill Lafleur at itsneworleans.com.See omnystudio.com/listener for privacy information.

0:00- Intro, Allen went to New Orleans for NAIC!3:46- "Final Fantasy VI Pixel Remaster" discussion 40:06- "Magic: The Gathering®—FINAL FANTASY" set and Terra pre-con discussion 1:33:15- Chatzums Magellan's newsletterBlueskyTwitchChatzumsEmail: chatzpod@gmail.comOur main podcast feed art was done by Camilla Franklin, whose work can be found at https://camillafranklin.myportfolio.com/

Wherein a fun girls' trip to New Orleans turns into a mission to excise the cancer that is destroying the soul of #MomTok. Demi threatens a shocking ultimatum, and Taylor makes a decision about her future with Dakota. —Please support us by giving us a 5-star review on Apple Podcast, Spotify, Amazon Music or any podcast app of your choice. Patron supporters get EXCLUSIVE content such us a live every first Monday of the month. Follow us! Instagram, X and TikTok: @docusweeties @justcallmewah @Chrislfarah Patreon.com/docusweeties (http://Patreon.com/docusweeties) Join us on our Facebook group!  https://www.facebook.com/groups/6702616296426962Become a supporter of this podcast: https://www.spreaker.com/podcast/docusweeties-with-chris-and-wah--6618122/support.

On this episode, John speaks with Kerouac Project of Orlando resident Skye Jackson about how to create a poetry collection that can be read in one sitting, how to balance the concrete and imaginative abstraction, inviting the audience in, recording a poetry audiobook, ekphrastic poetry, and living in New Orleans.

MS patient turned healthcare disruptor shares why your biggest "problem users" are actually your most valuable system improvers. Summary

This month, as Louisiana Eats marks our 15th anniversary, we're relishing the opportunity to bring you some favorite moments from our archives. We begin with our 2011 interview with the late civil rights activist, Dr. Rudy Lombard. He talks about his role in the 1960 McCrory's lunch counter sit-in and what motivated him to write his seminal 1978 book, "Creole Feast." Then, we revisit our 2011 tribute to one of the chefs featured in that tome: Clarence "Buster" Holmes. British jazz drummer Barry Martyn and Chef Susan Spicer both share memories of their friend and mentor. Next, we hear again from the late Michael Mizell-Nelson, who spent his career studying the experience of working-class New Orleans. We bring you the second half of our streetcar ride with Michael in 2010, as he shares the history of public transportation during the era of Jim Crow. To end our show, we spotlight our 2011 conversation with local icon Mildred Covert, who taught the world how to cook Creole and Cajun while keeping kosher. For more of all things Louisiana Eats, be sure to visit us at PoppyTooker.com.

Eskandar Sadeghi-Boroujerdi is a professor of history at York University, England and author of "Revolution and its Discontents" and is a recognized scholar of Iran . . . and today Bob had a great talk with him about the current attacks and threats of a larger war coming from Israel and the U.S.They discussed the possible reasons for the current crisis, the role of Iran's nuclear program and the JCPOA, the Axis of Resistance, Israeli losses and potential vulnerabilities, what the regional environment is like, and Iran's domestic political situation. It's an analysis you're not likely to hear elsewhere. Eskandar Sadeghi has written extensively on this topic, including at "Iran and the 'Axis of Resistance': A Brief History" and "Culmination" in NLR's "Sidecar" ------------------Outro- "Green and Red Blues" by MoodyLinks//+ Iran and the 'Axis of Resistance': A Brief History (https://bit.ly/3SYkA4T)+ Culmination (Reviewed in New Left Review "Sidecar") (https://bit.ly/40fPyt0)Follow Green and Red// +G&R Linktree: ⁠⁠⁠https://linktr.ee/greenandredpodcast⁠⁠⁠ +Our rad website: ⁠⁠⁠https://greenandredpodcast.org/⁠⁠⁠ + Join our Discord community (https://discord.gg/3a6AX7Qy)+Follow us on Substack (https://greenandredpodcast.substack.com)+Follow us on Bluesky (https://bsky.app/profile/podcastgreenred.bsky.social)Support the Green and Red Podcast// +Become a Patron at https://www.patreon.com/greenredpodcast +Or make a one time donation here: ⁠⁠⁠https://bit.ly/DonateGandR⁠⁠⁠ Our Networks// +We're part of the Labor Podcast Network: ⁠⁠⁠https://www.laborradionetwork.org/⁠⁠ +We're part of the Anti-Capitalist Podcast Network: linktr.ee/anticapitalistpodcastnetwork +Listen to us on WAMF (90.3 FM) in New Orleans (https://wamf.org/) + Check us out! We made it into the top 100 Progressive Podcasts lists (#68) (https://bit.ly/432XNJT) This is a Green and Red Podcast (@PodcastGreenRed) production. Produced by Bob (@bobbuzzanco) and Scott (@sparki1969). Edited by Scott.

From the latest on ICE raids in Los Angeles to the legacy of Creole cuisine: Memo Torres reports on how immigration raids are impacting local food businesses Hawa Hassan, who escaped civil war in Mogadishu, shares stories of displacement in eight other regions of the world Nina Compton makes a case for New Orleans and the Caribbean sharing a similar "self of being" Journalist Christina Cooke visits Patrick Brown on his farm in North Carolina, where he is reclaiming his family's history and land Sign up for our weekly Good Food newsletter.

In this episode, actor and comedian Jamie Lissow joins Adam in the studio for a wide-ranging conversation. They kick things off by listening to a new track from legendary Alaskan singer Don Hodiak (aka Mike Dawson), before Adam launches into a rant about the Left's obsession with diversity—including the absurdity of pride flags on police and athlete uniforms. Adam also shares a hilariously brutal method for breaking someone's psyche.In the news, Elisha Krauss joins Adam to unpack a new study that names San Francisco the worst-run major city in the U.S., citing failures in financial stability, public safety, and infrastructure. They also highlight the remarkable journey of Messiah University's baseball team, which prioritized faith and Bible study over traditional game strategy—a surprising move that propelled them all the way to the Division III World Series.Finally, Raymond Arroyo stops by to talk about his New Orleans roots, his theater background, and his memorable interview with Jerry Lewis. The conversation shifts to the brilliance of Mel Gibson, a nostalgic look at the classic Chrysler Cordoba “Corinthian Leather” ad, and a thoughtful comparison between classic and modern theater. Adam wraps things up by breaking down the stark differences between clean and dirty comedy.Get it on.FOR MORE WITH JAMIE LISSOW:INSTAGRAM: @iamjamielissowWEBSITE: www.jamielissow.com/FOR MORE WITH ELISHA KRAUSS: INSTAGRAM: @elishakraussWEBSITE: elishakrauss.com JOURNAL: https://www.washingtonexaminer.com/author/elisha-krauss/FOR MORE WITH RAYMOND ARROYO:INSTAGRAM: @realraymondarroyoTWITTER: @raymondarroyo WEBSITE: www.raymondarroyo.comPODCAST: Arroyo GrandeThank you for supporting our sponsors:BetOnlineHomes.comForThePeople.com/ADAMoreillyauto.com/ADAMPluto.tvLife insurance is never cheaper than it is today. Get the right life insurance for YOU, for LESS, and save more than fifty percent at selectquote.com/carollaSIMPLISAFE.COM/ADAMLIVE SHOWS: June 19-21 - Las Vegas, NV (6 shows)July 10 - Irvine, CA (Live Podcast)July 11-12 - Covina, CA (4 Shows)See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

On this REMIX episode of Grilling JR, LISTEN as Jim and Conrad revisit Royal Rumble 2001, which took place on January 21, 2001 at the New Orleans Arena in New Orleans, LA. Kurt Angle is our world champion. Stone Cold has just returned from surgery. The Undertaker is the American Bad Ass. And WCW is just about to go out of business. Welcome to 2001 folks! STOPBOX - Get firearm security redesigned and save 10% off @StopBoxUSA with code JR at https://stopboxusa.com/JR#stopboxpod CARGURUS - #1 most visited car shopping site. Shop from millions of cars to find your best deal. https://www.cargurus.com  ENVISION - Save money and grow your business with Envision Marketing—visit https://conradsguy.com/  today! SAVE WITH CONRAD - Stop throwing money away by paying those high interest rates on your credit card. Roll them into one low monthly payment and on top of that, skip your next two house payments. Go to https://www.savewithconrad.com  to learn more.