Podcasts about lackawanna county

Play Episode Listen Later Apr 9, 2025 31:02

Living with polycystic ovarian syndrome or PCOS can take a toll on your emotional and physical health. Common symptoms of this condition are irregular periods, infertility, weight gain and unwanted hair growth – all of which are difficult to cope with. Listen to the latest episode of The Healthiest You podcast, where we talk about how to manage PCOS with OB-GYN Emily Brophy, MD, with Lehigh Valley Health Network (LVHN), part of Jefferson Health. What are the symptoms of PCOS? How does PCOS impact ovulation and fertility? What lifestyle changes may help manage PCOS symptoms? Which supplements may provide hormonal support? What diet changes may help women who have PCOS? We answer these questions and more on The Healthiest You podcast this month.Chapters: · 0:01 - Intro · 1:00 - What is PCOS? · 2:05 - Is PCOS genetic? · 2:46 - Challenges with diagnosing PCOS · 3:41 - Irregular periods · 4:38 - Tracking your cycle · 5:58 - DUTCH test · 7:21 - PCOS treatment options · 8:53 - Sharing your diagnosis with your health care team · 10:08 - Lifestyle changes to help manage PCOS · 10:58 - Recommended diet changes · 11:54 - How to reduce the bloating · 12:37 - PCOS supplements · 14:57 - Evening primrose oil · 15:28 - Inositol and PCOS · 15:47 - Magnesium supplements · 17:24 - Chasteberry and black cohosh · 18:21 - Inflammation and PCOS · 19:11 - Importance of exercise · 20:30 - Unwanted hair growth · 22:11 - Spearmint tea · 22:43 - Ovulation and fertility · 23:45 - Tracking ovulation · 25:16 - Mental health and PCOS · 26:34 - Acupuncture and acupressure · 28:04 - If you've had your symptoms dismissed · 29:57 - Advice

If Your Thyroid Could Talk

Play Episode Listen Later Feb 28, 2025 52:07

Your thyroid is a small, butterfly-shaped gland in your neck that can have a big impact on your health. It's responsible for making hormones that affect your metabolism, heart rate, mood and more. Listen to the latest episode of The Healthiest You podcast, where we talk about thyroid issues with Andrew Brackbill, MD, endocrinologist with Lehigh Valley Health Network (LVHN), part of Jefferson Health. Why are women more prone to having a thyroid issue? What is the difference between hyperthyroidism and hypothyroidism? How does Hashimoto's disease affect your health? How might having a thyroid problem impact fertility? Can thyroid conditions impact your mental health? We answer these questions and more on The Healthiest You podcast this month.Chapters: · 0:01 - Intro · 0:56 - The main function of your thyroid · 2:16 - Why women are more likely to have a thyroid problem · 6:14 - Fatigue and your thyroid · 12:18 - Symptoms of a thyroid problem · 13:17 - Temperature intolerances · 13:58 - Hypothyroidism vs. hyperthyroidism · 15:45 - Diagnosing thyroid conditions · 16:57 - How thyroid disorders impact your life · 19:49 - Hashimoto's disease and hypothyroidism · 20:49 - Fertility and thyroid conditions · 23:18 - Menopause and your thyroid · 25:01 - Diet and your thyroid · 28:08 - Weight and your thyroid · 29:51 - Addressing weight issues · 31:25 - Stress and your thyroid · 32:45 - Stress management tips · 33:35 - Mental health and your thyroid · 36:06 - Wellness strategies · 38:03 - Treatment options for thyroid conditions · 44:12 - Getting a thyroid panel · 45:20 - What is shown in your thyroid panel · 47:02 - At-home thyroid tests

542: A Home Loan Where No Monthly Payments are Required

Get Rich Education

Play Episode Listen Later Feb 24, 2025 46:08

Keith Weinhold and Caeli Ridge discuss the benefits of a type of loan that combines mortgage and banking features. This loan allows deposits to reduce principal first, every deposit acts like a payment, minimizing interest accrual. And can be used for cash-out refinancing, providing flexibility and potential tax benefits. Hear about the importance and the difference between open-ended and closed-ended loans. If you pay down the loan balance over time, you can have a spread that allows you to access that equity without having to requalify or pay additional closing costs. Resources: Explore the loan simulator at RidgeLendingGroup.com or call 855-74-RIDGE or e-mail: info@RidgeLendingGroup.com Show Notes: GetRichEducation.com/542 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching:GREmarketplace.com/Coach 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 a discussion about the future mortgage rate direction. Then there's a property loan type where you don't have to make any monthly payments, and if you do make a payment, it all goes toward principal, and nothing is lost to interest. It can save you lots in interest expense over the life of the loan today on get rich education. since 2014 the powerful get rich education podcast has created more passive income for people than nearly any other show in the world. This show teaches you how to earn strong returns from passive real estate investing in the best markets without losing your time being a flipper or landlord. Show Host Keith Weinhold writes for both Forbes and Rich Dad advisors and delivers a new show every week since 2014 there's been millions of listener downloads in 188 world nations. He has a list show guests include top selling personal finance author Robert Kiyosaki. Get rich education can be heard on every podcast platform, plus it has its own dedicated Apple and Android listener phone apps build wealth on the go with the get rich education podcast. Sign up now for the get rich education podcast, or visit get rich education.com Corey Coates 1:13 You're listening to the show that has created more financial freedom than nearly any show in the world. This is get rich education. Keith Weinhold 1:29 Welcome to GRE from flaccid County, Oregon to Lackawanna County, Pennsylvania and across 188 nations worldwide. I'm Keith Weinhold, and you are back in for another wealth building week here at get rich education, just another shaved mammal with the microphone here, I have a real estate analogy for you. Growing up, my dad told me, whatever you do, do it well. And that was broad guidance for life. I like things that are easy to remember. Our simple home in Appalachian Pennsylvania was headed with a wood fired stove, so we couldn't just turn a dial and feeding the stove with those logs took time and work. It was a family effort. Dad split the firewood. My chore was to regularly move firewood from the wood pile into the home, and then Mom or Dad would start the fire and constantly tend to it and get it up to the right temperature. But you know, when that fire finally roared, it felt like it could have heated five homes. And this is like buying an income producing rental property. You can't just point and click to make income reliably appear. It takes time, and even some of this admin type of work before you feel hot returned the spark that can ignite the fire means first putting your financial house in order. Those are things like getting pre approved for a mortgage loan, and then they're stacking the firewood, which means finding a deal, making an offer, booking a property inspection, scheduling an appraisal, perhaps signing a property management agreement if you're not self managing, and then, of course, placing a tenant. But see when that investment property fire roars after a year or two that can create enough returns for five retail investors, just like our roaring wood fire could have heated five homes, even though you're only one investor getting like 5x returns, and by now, you probably felt, after a year or two of owning it, the profitable warmth of the five ways you're paid that you know so well. Those five ways are leverage, appreciation, cash flow. Tenant made principal pay down a tax benefit basket and the quiet, whispering fire of inflation, profiting on your loan, but you can't get over leveraged, meaning that you can't make the payments, or else you burn the whole house down. This means embracing the right level of debt rather than avoiding debt altogether. So yeah, you know, if you want to be in the top 1% or maybe even top 5% Do you know what that means? It means being misunderstood by the masses. And when you do this right, it's not about getting rich quick, but it's about building wealth. For sure, feel the fire and whatever you do, do it well, just like my dad told me, and oh, by the way, today, my parents still live in that same. House, but they now just turn a dial for heat. Well, you know, there's been a lot of real estate and financial news lately, just this constant feed of news. And I really need to tell you something about that. I am not a news reporter. If some news just broke an hour ago. A lot of times people are only overreacting to something like that. So here at GRE I infuse the news longer term into our content of the show, because some of it is just too big to ignore. But often let it settle down for a little while and filter out what it really means to you as an investor. I mean, being an educational platform rather than a news platform is what it's about. So I want to make sure you understand the relationships rather than just reporting the news. I mean, for example, what tariffs can do to home prices and rents and inflation. I mean, that really impacts you and your real estate long term. Rather than just doing something like reporting that the tariff on this nation that looked like it was going to be 25% is now only going to be 10% or something like that, that really doesn't affect you so much. So now that you know more about what to expect here, which are the stories that really affect you as an investor? The last inflation report did come in at a hot 3% that startled economists that it was that high. And what that does is that makes bond yields rise, because bond investors need a real return net of inflation, and in turn, that soon makes mortgage rates rise, and also it makes Jerome Powell be in no rush to cut his Fed funds rate after this hot inflation report, either. And here's another long term relationship that can help you learn the Fed's dual mandate is, what do you know? What it is, the two things I've mentioned it to you before, the Fed's dual mandate is maximum employment and stable prices. That right there is inherently volatile, because when employment is maximized, well then employers, they have to compete with higher wages in order to attract workers, and that makes prices go up, destabilizing the prices will stable. Prices is the second part of the dual mandate. So that's why it always seems like there's this lightning rod attention on Jay Powell in the Fed. It is because the dual mandate is inherently volatile. Now, you know what I think about predicting mortgage rates. I don't like to do it because it's an almost impossible task, like the myth of Sisyphus, that Greek myth about rolling a boulder up a hill wells, Fargo says mortgage rates will go down to just six and a half percent by the end of this year, so not much of a drop. And also by the end of next year, almost two years from now, they'll still be just six and a half percent. And other C rates rising from here. So there is broad consensus that there's zero reason to think that artificially low rates are going to return anytime in the near term, perhaps even in the intermediate term, coming up on a future episode of the show here and soon, how to use AI in real estate investing today, let's talk about mortgages and a special loan type. Today, we are back with the national leader in providing Americans with income property loans. She runs the operation at Ridge lending group. She's been doing this 25 years she's an investor herself. It is their CEO and president, Caeli Ridge, Caeli Ridge 9:06 Keith, thank you for having me. Keith Weinhold 9:08 There does seem to be one US president. That makes a lot of news lately, but Caeli is still the most noteworthy mortgage type of President, I suppose. And just like GRE Ridge focuses on education and Caeli mortgage rates. It's the topic that everyone wants to talk about. I don't predict mortgage rates, but I know that you'll Talk That Talk a little. And previously, many expected Jerome Powell and the Fed to drop the rate four times this year, then two and now more and more expect zero rate cuts at all this year, even opening the door for rate increases if inflation persists. So tell us about the propensities of this year's mortgage rate direction. Caeli Ridge 9:51 I think that I agree with a lot of the volume out there related to interest rates kind of stay in the course. I don't think we're going to see too much of a decline. There's. Certainly, Keith, we talk about this at nauseum. There's all kinds of things that could derail that statement that we can't prepare for, we couldn't predict for, but I think overall rates are going to stay steady. I think that whether you like them or you don't like them, the tariffs tend to come with an inflationary tone. And if that's the case, it's going to put Jerome and his buddies at the Fed in a tough position to do what they had hoped to do with the easing, the monetary easing. So I don't expect to see it, but I'm hopeful who knows. Who knows? Keith Weinhold 10:29 Now, for you, the listener and viewer here, when you really want to know what moves rates around, Caeli talk to us about this persistently high spread, and what that means is that historic difference between mortgage rates and the yield on the 10 year treasury note. Caeli Ridge 10:47 I feel like a lot of what that's going to attach itself to is the inflation, and then, more specifically, when we talk about llpas, and I think we've talked about this in the past, loan level price adjustments, mortgage backed securities secondary market, right? This is an investment that is bought and sold on the New York Stock Exchange, right? These are investments that carry value. And while the Treasury is usually the one that people will look at to predict where interest rates are going to go, I feel like in this higher rate environment, the secondary market understands that these mortgage backed securities are going to be paying off in advance of profitability. Now this gets a little bit complicated, but the easy way to explain it is is that if you secure a loan today at, say, seven and a half percent, if the anticipation is that interest rates over the next three years, maybe not in the next year, but two years, even three years, are going to decline. The mortgage that was closed today will likely pay off via a refinance. In that event, it's not reached the maturity date, such that when that initial mortgage backed security was purchased on the secondary market, it will have to pay off before the investor has been made whole or profitable. As a result, the margins it's called on in my world, it's called YSP, yield spread premium will not be met. So they're baking in certain levers, or they're hedging, as another way to say it, so that they're not left with those negative balances when these things do pay off when interest rates come down, because interest rates are not a straight line, they go up, they go down, they go east, they go west. So as a result, they're planning far in advance into the future. So I think that has a lot to do with it. Keith Weinhold 12:33 Real Estate industries are shrinking, and it's all related to the fact that back in 2021 the number of existing homes sold peaked at almost 7 million, but last year, it was only about 4 million. That is a huge drawdown. The number of US Realtors is dropping since it peaked in 2023 and Caeli, from what I can see, the number of loan officers, even operating has dropped precipitously over the last four years, it's a reminder that the strong survive and in the mortgage industry, top service is what savvy borrowers need. You go with the people that consistently advise you to take your time and look at your long term strategy and make the correct decision, not always the one giving like 1/8 of a percent lower and an interest rate, so any lender can get you the next loan, and few are going to help you with your long term strategy. With this overall lower volume of transactions taking place, what are your thoughts about how it's impacted the mortgage and lending industries? Caeli Ridge 13:37 It's such a good question. I'm glad that you asked it, and I really do think it speaks to the experts in the space consumers, our borrowers, as we call them, have to be, I believe, a little bit more discerning about who they want to align themselves with and who they want to work with as it relates to the interest rate. We've had this conversation off book. Ridge doesn't sell rate or cost. Now we're competitive, but we're never going to be the lowest possible lender out there. There's always going to be somebody that can undercut for an eighth, like you said, a quarter point, a few 100 bucks here and there. And we just don't get into that, our value adds far exceed an eighth of a point in rate, which, by the way, you probably can predict what I'm going to say next, if you're not doing the math, just as a sidebar listener, the difference in payment, and that's really where the focus should be. The difference in payment on an eighth or a quarter percent in interest rate on $100,000 is all of 5,7,8, bucks a month. Okay, so make sure you're doing the math, but the value adds that come with the education that we provide the 49 states, large footprint and the diversity of loan product, I think, far outweigh any eighth or few $100 difference when you're comparing side by side. I'm not saying that you don't want to get comparisons and you don't want to be a smart, informed consumer, but it really does matter that your lender understands known, owner occupied understands how to. Or take you from point A to point Z today and five and 10 years down the road. Keith Weinhold 15:05 you've been a mortgage industry leader for a long time with this lower volume. Have you seen mortgage companies implode close shop? Caeli Ridge 15:15 Absolutely, we have access to those data points and the number of loan officers just the individual in the doing the transaction, not including processors and underwriters and funders and doctors, but just the loan officers. I believe, in 2024 reduced by a margin of 53% gosh, yeah, that's a big number. Keith Weinhold 15:35 Yes, this is really hit the industry substantially. Are there any other interesting industry trends in this environment where we have persistently higher rates, I make sure not to say high, because historically, mortgage rates are still not high. The long term average being seven and three quarter percent on the 30 year fixed rate mortgage Are there any other trends that this loss in activity has created? Caeli Ridge 15:58 I feel like the informed investor is still finding ways to profit in real estate. They're finding diversity is key, which I'm a big proponent of as are you. That means single family residence to two to four units, cash flow versus appreciation, the short term rental, the long term rental, the midterm rental, making sure that they have a good, rounded portfolio is key. And there are some which I think we're going to be talking about today. There are some mortgage tools that I really feel like, for an informed investor, are allowing them to continue and propel further, even scale into the 25 and 26 years. Keith Weinhold 16:36 What's happened to the volume of owner occupied transactions versus investor transactions. I would imagine that investor mortgage transactions really aren't down that much. Caeli Ridge 16:47 not that much. I'd say there was a small blip, but I feel like we've made those up with some of the burr strategy loans we do, of course, all kinds of mortgage related transactions specifically for investors. And one of those products is a short term bridge loan, which would apply to the BRRRR method by rehab, rent and refinance. So we've been seeing quite a bit of that, where the investor will find a good deal on market or off market, where they can put a little bit of lipstick on it and then refinance it at the ARV or after repair value. So anything that we might have lost in just a traditional 30 year fixed straight purchase transactions, I feel like we made up in the other but it wasn't a big margin. Keith Weinhold 17:26 What if there was a mortgage product out there that just didn't work like other mortgage loan products do? For example, your deposits or the payments that you make on this special type of mortgage is applied to the principal first and only. There are a lot of other interesting characteristics about this particular mortgage product. We're going to discuss that when we come back. You're listening to get rich education. We've got the CEO and President of ridge lending group back with us, an investor centric lender. I'm your host, Keith Weinhold. You know what's crazy? Your bank is getting rich off of you. The average savings account pays less than 1% it's like laughable. Meanwhile, if your money isn't making at least 4% you're losing to inflation. That's why I started putting my own money into the FFI liquidity fund. It's super simple. Your cash can pull in up to 8% returns, and it compounds. It's not some high risk gamble like digital or AI stock trading. It's pretty low risk because they've got a 10 plus year track record of paying investors on time in full every time. I mean, I wouldn't be talking about it if I wasn't invested myself. You can invest as little as 25k and you keep earning until you decide you want your money back, no weird lock ups or anything like that. So if you're like me and tired of your liquid funds just sitting there doing nothing, check it out. Text FAMILY to66866, to learn about freedom, family investments, liquidity fund, again. Text FAMILY to 66866 hey, you can get your mortgage loans at the same place where I get mine at Ridge lending group NMLS, 42056, they provided our listeners with more loans than any provider in the entire nation, because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage. You can start your pre qualification and chat with President Caeli Ridge personally. Start Now while it's on your mind @ridgelendinggroup.com that's Ridge lendinggroup.com Rick Sharga 19:48 this is Rich charga, housing market intelligence analyst. Listen to get rich education with Keith Weinhold, and don't quit your Daydream. Keith Weinhold 20:06 Welcome back to get rich education. We're talking with a steady guest over time, because not only are they an income property centric mortgage loan company that do mortgage loans in 49 of the 50 states, but they're also centered on education and looking out for you, the investor, over the long term. And cheyley, such an interesting product that you offer is called the all in one loan. It's been a long time since you and I have really talked about this. What it is is a first lien HELOC. It's a way for you to use the equity in your existing properties. You can do it with either a primary residence or investment properties. There are just so many reasons why an all in one load just kicks the butt on a conventionally amortizing loan, including that all payments are applied to principal first and only, and a lot of other exciting things. So Caeli, why don't we back up and just describe what the all in one loan is big picture. Caeli Ridge 21:05 Now there is a lot to unpack, so we're going to take our time. Listener. First of all, let me just explain. Why is it called the all in one it's called that because it doubles as both a mortgage in the form of an open ended revolving HELOC and checking and savings. Both of those two features are combined, hence the all in one as a way of diminishing the amount of interest that can accrue over time. Let me explain so any revolving account, any account, including a credit card, for example, but first lien HELOC, second lien HELOC, whichever doesn't matter, open ended revolving is the key. Any open ended, revolving account will accrue interest daily based on two factors, the first being that day's balance and that months, in this case, interest rate, fully indexed interest rate. I'll come to interest rate later. As a result, you now have control largely over how much interest can accrue. Now let's take that statement and transfer it and look at it against an amortized, closed ended mortgage. You sign up for a 30 year fixed mortgage today. Let's say it's 7% whatever the interest rate is, is really irrelevant. Your principal and interest payment are defined on day one. There is no changing that monthly payment. Now you could certainly accelerate the payoff of that mortgage debt by doing what applying additional extra principal payments, right? But what happens to that extra principal payment when you send it off with your 30 year fixed mortgage payment, Keith Weinhold 22:34 it drops your loan balance, but your minimum payment amount is the exact same the next month, Caeli Ridge 22:38 right? And then what happens to all that liquidity that you had prior, it's now illiquid. Right? Exactly that off Keith Weinhold 22:45 you've just transferred your cash flow into equity. Financial freedom is created by doing the opposite thing and changing equity into cash flow, Caeli Ridge 22:52 very illiquid, and not the way an investor typically is going to want to run his or her business. So hence the all in one. Now for those of you that have heard the term velocity banking or infinity banking, maybe whole life insurance policy has a similar tone to this. The all in one, I believe, offers even more flexibility for variety of reasons that we're going to get into. But if you've ever heard those terms, that's similar to what this is. So I want to start by I usually like to give an example, okay, and provide some visual aid so that people can connect the dots. Let's start with the 30 year or a fixed rate mortgage. Just because I feel like, especially in the US, this particular loan product, or its concept is widely used in much of the rest of the world, in the US, I feel like we're sort of preconditioned here to really only understand that closed ended, amortized mortgage. So I'm going to start with an example there that actually highlights or leads into the concept of the all in one. So I want you to imagine a 30 year fixed mortgage and a 15 year fixed mortgage. Both of these mortgages originated or started at $400,000 as the balance on day one. The 30 year fixed mortgage locked at an interest rate of 4% and the 15 year fixed mortgage locked at an interest rate of 7% now, when I go through this exercise and I give this example to people, I ask them the question, Well, which one would you choose? And without exception, if they don't understand amortization, they are going to select that 4% 30 year fixed mortgage, because they don't understand that it's about speed. When you run the math and you look at an actual amortization table, you'll see that you'll pay $40,000 more in interest on a 4% 30 year or 360 month, versus a 7% 15 year or 180 month. So the point here, and what I'm illustrating, is it's speed. Now let's segue back over to the all in one. It's all about speed and how much interest we allow to accrue over time. So as you had mentioned, to start the kick this off, Keith, every deposit acts like a payment. Now here's where I struggled with this in learning. And when this was first introduced to me years ago, this part of it really caught me off guard. I had to really dig in and try to focus on what are they talking about? What do they mean? There's no payment due on the all in one. I'm gonna say that again. There's no payment due on the all in one. Think about your 30 year fixed mortgage. If you don't make a payment, what happens? Keith Weinhold 25:19 You're defaulting, you're in trouble. You become delinquent, Caeli Ridge 25:23 right? So that is not how this loan is set up. And it's not smoke and mirrors, okay? It's nothing fancy. The deposits that you make from ordinary income from all sources really Okay, so we want to talk about this is really special for investors, because we have access to gross rents, the rental income that's coming in before we send it back out the door, along with our net wages and every other source of income, deposits that we're getting can be utilized to your advantage. One of the ways in which I describe this is, I like to say you've become your own bank, so you have this line of credit, and your gross rents and all of your net wages are going to deposit into your checking account, driving that principal balance down, dollar for dollar, so that the interest accrual is diminished. Because remember what I said a few seconds ago, the interest is calculated on any open ended revolving account based on two factors, the balance for the day and the interest rate, so the more you have in depository income, and you drop it into your checking account, the longer it stays there, the lower the amount of interest is going to accrue within a 30 day billing cycle. Now let me just paint one more picture, and then we can open up to what questions come from this. So I want you to imagine this is I'm going to use easy, round math. I want you to imagine that you have an unpaid principal balance on your mortgage, on your HELOC of $100,000 just for round easy mouth, and that you bring in $10,000 a month in income from all sources. And just to keep it simple, we're going to say that that 10,000 comes in on day one of month one. Okay, so here's our 100 grand sitting there. My $10,000 is deposited into my checking account. Now my balance is $90,000 right? That 10 grand is not going to be touched. You will not touch that $10,000 for 29 days out of a 30 day billing cycle. And I'm giving you optimal tricks. Okay, this is how you want to use it optimally, yeah. Day one, instead of paying interest on $100,000 you're paying interest on paying interest on $90,000 and you're going to pay interest only on $90,000 for 29 days out of a 30 day billing cycle. Well, how am I going to make all my bills? And how am I going to eat? And how am I going to pay my cell phone? And what am I going to do? You're going to use a credit card, or credit cards of your choice, the ones that provide the best points, or whichever you prefer doesn't really matter. To pay all those monthly living expenses now we don't want to pay any interest on our credit cards. Right? 18, 28% whatever it is. No thank you. So now we're going to go to day 30 of that 30 day billing cycle. Right? 29 days that 10 grand has sat in there. Our balance has been 90. Our interest has accrued on that 90. On day 30, the credit card has amassed $9,000 in expenses. You've spent $9,000 for the month on food, gas utilities, car payments, cell phone, everything goes on that card. Day 30, you go into your checking account where your 10 grand has been sitting, and you write a check to pay off the credit card $9,000 so for one day of the month, we went from 90,000 in a balance to 99,000 right. 9000 had to come out of the 10 to pay off the credit card. We had $1,000 left over. Now I want you to fast forward into month to day one our starting balance, because that $1,000 leftover was our residual income, our discretionary our savings, it's what was not spent, but I have full access to it. Should I need it? So day one, month two 99, 000 is my outstanding balance. I drop in my $10,000 of income. 89,000 is what I'm going to be paying interest on for 29 days of a 30 day billing cycle. So this should allow listeners to connect some dots. There are two components of compound interest savings, the first being daily. We've got our income dropping in there. It's just sitting so daily savings, compound interest savings. And then that leftover savings, that residual, that $1,000 is going to be left in there month after month 24/7, access. That's monthly compound interest savings. So those are the two components that make this product profoundly impactful in diminishing that interest accrual over time. Why don't I take a pause Keith Weinhold 29:30 so with the all in one loan, we're really integrating our consumer accounts with our mortgage. Absolutely right? Is there a way to automate these payments associated with this? Caeli Ridge 29:43 Yes, I'm glad you asked. So everything that you have become accustomed to today in your checking and savings is going to be exactly the same with the all in one this mortgage is housed by an FDIC insured banking institution. It'll be one of two places depending on which. Which ends up picking up the rights. It'll be North Point or merchants, bank, those are the two that service this loan. Feel free to check them out when you think about the automation of your checking and savings accounts with your B of A, Chase, Wells, Fargo, whomever, credit union, whomever you bank with. Now there will be no difference to that experience and this experience so online bill pay, debit cards, routing numbers, paper checks. Should you still use those mobile apps? If you get a paper check, you take a picture and it uploads to the account. All the same exact automation as you have become used to today will apply with the all in one Keith Weinhold 30:36 and you described how the all in one loan is an open ended loan versus your plain vanilla 30 or fixed amortizing loan, which is closed ended. For those that don't know, what do those terms open ended and close ended mean? Caeli Ridge 30:48 So amortized is predetermined over the period of time that you've gotten the mortgage for. So whether it be a 10 year, a 20 year, 2515, 30, whatever it is, it is closed ended, so the interest rate that you secured against the loan amount that you've taken, they have come up with the formula, the calculation that says, This is how much interest you're going to pay over this length of time. And the longer the amount of time that you have selected, let's say a 30 or maybe even a 40 year. Those do exist, in some cases, the longer the amount of time that closed ended amortized mortgages in play, the more interest you're going to pay. Now, it keeps your payment lower for sure, but they're going to make it up in the interest that you'll pay in the long time. Now the open ended revolving just means that it is available to pay down and draw up, and pay down and draw up. It is not closed Keith Weinhold 31:40 and then with those conventional mortgages, typically, especially when you originate a new loan for years, most of your payment goes to interest, which would not be the case with the all in one loan. Caeli Ridge 31:53 Exa ctly. Yeah. So anybody that's looked at an amortization table knows the first 10 ish years, we'll just keep using the most common, 30 year fixed first 10 years or so, maybe even a few years past that, 90% of your payment is going to go to the interest. You won't start chunking down any principal until the back end of that mortgage, 180 or complete flip to the all in one every dollar that goes in there drives the principal down first. Keith Weinhold 32:18 That is huge, even if you pay a higher interest rate on your all in one loan, you can see how you have fewer dollars out of pocket in interest paid, which is what really matters to you, Caeli Ridge 32:30 exactly, right? So think about a 20% interest rate. If you're paying 20% interest on 50,000 then 7% interest on 500,000 you can see how the math will work in your favor, regardless of the number in the interest rate in comparing side to side. And one of the other things that we haven't touched on, and maybe this is a good segue, Keith, it's not just the daily deposits. We have clients that take out a, you know, a million dollar line of credit, but they have $500,000 sitting idle for whatever it is their business needs. And in the E commerce. It doesn't even matter, but they have this amount of cash that they're simply going to take from this vehicle a regular checking account over here, and drop it in here, and that interest is saved. That $500,000 that was sitting idle doing nothing over here is now saving interest at an incredible rate. So it's not just the daily and monthly deposits. If you just have idle cash, or you know you're going to be getting a bonus or a tax refund, or whatever it is, those monies that would otherwise just sit in a one to 2% maybe interest bearing checking savings account can now be applied over here, driving down that balance further, dollar for dollar saving in that interest. Keith Weinhold 33:39 So we are opportunistic investors here, when we see an accumulation of equity in a property or cash in an account, we want to get that moving with this all in one loan again, which is like a first lien HELOC, I would imagine that would we get plenty of room to borrow more in there, and there's been plenty of pay down, we might want to draw against it again for another purchase, and let this thing be flexible like an accordion back and forth as you're drawing the balance down and you're extending it out again. So really, the way I see the flexibility with the all in one loan is that you don't have to go through another mortgage loan origination each time you want to buy a property. You can just draw against this account. Caeli Ridge 34:20 And we're still just scratching the surface in what this thing does exactly right? And I've said this twice now, you've become your own bank. Yeah, okay, if you pay it down over a short period of time, let's say that you had half a million dollars and you were able to reduce that down to 300,000 there's a $200,000 spread there that, at your discretion, do not have to re pre qualify and pay closing costs. Again, you don't have to ask permission or get it approved, for some reason, those are your funds, your equity, your dollars to do what you want, when you want, how you want. The other thing too is probably a good place to point this out, safety net, as long as there is a spread between what you owe and the credit limit. Whatever that is. If something were to happen That was unfortunate, some unfortunate set of circumstance befell the family, whatever, and no income was coming into the household zero. What would happen if you didn't have money to make your 30 year fixed mortgage payment? You're going to ruin your credit and go into default. Well, the reverse is true with the all in one if there is a spread between the balance and the limit and you needed to not make any deposits, the only thing that's going to happen in that case is interest is going to accrue on top of that balance. The only time a payment deposit is mandated with the all in one is when the balance is about to exceed the limit. That's the only time. Now I'm not saying that that's the way people are going to use it, but that's the reality of it. So what if this? Let's take this down the rabbit hole for a second. If you couldn't make a deposit, you're not going to go into default, right? You're simply going to add some interest on top of the existing balance. But what if you needed to draw from it for living expenses for a couple of months? Yeah? What if you needed, you know, $5,000 a month for three months until you got back on your feet, whatever it is you have access to do that. There's your safety net. You just simply draw from it, as long as there's a spread between the balance and the limit, those are your funds to do with what you choose Keith Weinhold 36:13 if one takes out a HELOC, whether that's in an all in one loan form or not, something that I've advocated with my listeners for years is that now you do have this line that you can draw against to your point Haley, it's effectively another layer of insurance for that borrower or investor. So if you're interested in keeping down your insurance premium, you can get a HELOC or an all in one loan increase your insurance deductible, which can lower your insurance premium and increase your cash flow. Caeli Ridge 36:43 Good point. You know, I hadn't even thought about that before. That is a new one on me that is actually brilliant. Yes. Keith Weinhold 36:50 now we had a listener quite a while ago, Mark from Granite Bay, California, right in Mark's a great long time listener. When he found our show, he wanted to go back and re listen to all the old episodes. And he listens to several episodes multiple times. And Mark wrote in because he heard you on the show quite a while ago. And Mark says, I've been using the all in one loans, amazing mortgage balance deduction. But as a GRE listener, I know I can't be lured in by that alone. I also need to utilize its leverage. I just used my all in one loan Mark continues to say, probably, like a lot of others, to buy a duplex for mid south home buyers in all cash and then refinance that loan into a fanniefreda 30 year from my all in one loan simulations, and Caeli has an all in one loan simulation on her website that she'll tell you about. But to finish Mark's question, Mark says, I have gathered in these simulations that as long as properties are cash flowing, the best use of the all in one seems to be to keep repeating what we did on our first duplex purchase, use the all in one loan, to buy properties in all cash, and then later refi it into better debt or leverage, and then continue to repeat the process. Is that a valid way to use it? That's Mark's question. Caeli Ridge 38:03 Absolutely. Mark, Well done, sir. And there's a few points here that I want to take a minute and peel back, Keith, so one of the first things that I would say that's really great about that philosophy or that strategy is going to be that on a cash out refinance of the property that was paid cash, using the all in one we get to use the appraised value. So under the circumstances, if you paid $100,000 for it, and perhaps it valued at 110, 151, 20, whatever it is, then we as the lender are going to refinance on a cash out refinance using that higher appraised value, so you have a little bit more leverage there, and potentially get more in that loan to value when you're comparing what you're getting back versus what you put in. The other thing, obviously, is that when you're dealing with a turnkey or a seller, an agent, whatever, everybody knows that when you can come to the table with cash, yeah, right, you become the more desirable buyer. There's that obvious piece, and then in terms of that strategy and that simulation. So please, yes, that is absolutely the first thing that I'm going to do with anybody that calls in is I'm going to get on the phone with them, a teams call, and we're going to do the simulator together. But I encourage everybody to get in there and play around with it. If you're not quite sure what data points it's asking for, let us know, or we'll do one together. But that simulator is going to allow you to compare the all in one to either an existing mortgage on a primary rental property or a new traditional mortgage. Let's say you're thinking about buying an investment property with a 30 year fixed and you want to compare that to the all in one, or maybe you want to refinance one of your existing properties, so you can compare it to existing versus new. And then within that simulation, it will allow you to forecast additional spending. That will allow you to say, I want to take out $50,000 in month 22 and it'll reformulate where the simulation of saved interest, payoff time, all of those things will be available to you within that simulator. It's very slick. Keith Weinhold 40:00 And now that you, the investor, have the ability to pay all cash, not only can you close faster, but a lot of times, sellers are willing to give you a discount, since you can close faster and pay all cash, and then it's up to you down the road to go ahead and refinance that into a conventional product, or however else you want to do it. Caeli, what else should we know about the all in one loan? Caeli Ridge 40:24 Couple things I would share. First of all, the qualification metric for the all in one is going to be a little bit more restrictive than a traditional 30 year fixed mortgage, so be prepared for a little extra brain damage. I know that getting qualified for mortgages is not everybody's favorite activity. I get it. There's a lot that goes on to it. It's not like the good old days where some remember you could fog a mirror and get a mortgage, but the all in one does take it to another level, even beyond what you're used to now. So debt to income ratio, I'll give you the specifics really quickly, so just be prepared. I like to set that expectation. Debt to income ratio caps at 43% on the all in one versus 50% that we would have from a traditional Fannie Freddie, 30 year fixed. The reserve requirement is calculated based on the line limit. It's dependent on the debt to income ratio. I'll just leave it there. It'll either be 10% or 15% of the line limit. So if the limit was 100 grand, 10,000 or 15,000 is the reserve requirement, and then the minimum credit score requirement. Owner Occupied is 700 non owner occupied is 720 so a little bit higher on the bar for qualification for the all in one. Keith Weinhold 41:33 Who is this for? And who is it not for? Caeli Ridge 41:36 It is for anyone generally that has at least 10% discretionary income at the end of the month. Typically, everybody's circumstances are different. I encourage you to play with the simulator. Get on my schedule. Let's do it together. But more often than not, we find that 10% left over at the end of the month is generally enough for it to work for the individual, and for those of you that got 2% interest rates during the pandemic, I just want you to know that I'm running the simulator against those loans day in and day out. And I would say, I'll give you a 65% of the time the all in one is beaten the, you know, what, out of a two and a half percent 30 year fixed mortgage Keith Weinhold 42:12 that is really interesting. Well, there's a lot of opportunity and flexibility with the all in one loan. Is there any last thing that we should know about it. Caeli Ridge 42:22 Start doing your due diligence. This does take a minute to unpack. Don't get overwhelmed by all the information. We've talked about some real tangible stuff here, but there's quite a bit that there would be to uncover. So take your time. Call us. We'll walk through it step by step Keith Weinhold 42:36 and get started on that simulator and really see what it can do for you to make that actionable. Caeli, Where should one start? Caeli Ridge 42:44 Head to our website, ridgelendinggroup.com you can email us info@ridgelendinggroup.com and obviously we're always a phone call away at 855, 74, Ridge Keith Weinhold 42:54 and again, you can find that all in one loan simulator, where you can plug in some real numbers and see how it can benefit you. A friendly representative from Ridge can help you. Go ahead and do that there. So there's a lot of excitement about the all in one loan, especially, or an investor that has a GRE mindset philosophy and thinks about the opportunity of dead equity. But now that we've talked about that, tell us just quickly about some of the other products that you offer in there at ridge. Caeli Ridge 43:23 So I think one of the real value adds for us is that we're not a one size fits all. We have an extremely diverse menu, as I like to call it, of loan programs. The all in one is at the top of a short list of my favorites. For some individuals, you got the fanniefriddies. You've got non QM, which includes DSCR, debt service, coverage ratio, bank statement loans, asset depletion loans. We have ground up construction for those that are interested in that. We have our short term bridge loans that I talked briefly about, where if you need fix and flip fix and hold, potentially, you need shorter term money, commercial loans for commercial products, commercial loans for residential in a cross collateralization way, if that is to your advantage. So as you can see, it's quite diverse. Keith Weinhold 44:03 It's been valuable as always, and I definitely learned a few extra things that I did not know about the all in one loan myself. JAYLEE Reyes, it's been great having you back on the show, Keith. Thank you. Now a mortgage company, of course, they have overhead and employees that they have to pay and so on. And you know, from talking with Chaley some more, I learned that they don't even make much profit from all in one loans. We wanted to discuss it together today for your benefit. However, though there are some real fees with the all in one loan, you pay points of three to 4% of the draw in closing costs only, but it's a one time fee, not every time you draw against it. She also let me know that it does not make your taxes substantially. More complicated, if you think that it can help you clear a few minutes, learn more and get hooked up with that all in one loan simulator, where they will help you through it. Big thanks to Caeli Ridge today, they really make themselves available. You can just call 855, 74, Ridge. Or if it's more your style, visit them at Ridge lending group.com Until next week, I'm your host. Keith Weinhold, don't quit your Daydream. Speaker 1 45:31 Nothing on this show should be considered specific personal or professional advice. Please consult an appropriate tax, legal, real estate, financial or business professional for individualized advice. Opinions of guests are their own. Information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of get rich Education LLC, exclusively. Keith Weinhold 45:59 The preceding program was brought to you by your home for wealth, building, getricheducation.com.

Child care programs in Pa. concerned over Trump's funding freeze; Pa. schools wrestle with possibility of confronting ICE agents

Play Episode Listen Later Jan 29, 2025 13:08

The Trump Administration’s attempted federal funding freeze has left many agencies and organizations in Pennsylvania scrambling for information. The administration also says schools and churches are no longer off limits when it comes to immigration enforcement. The State College Area School District’s superintendent addressed the issue this week, as concerns circulated about immigration enforcement turning up in the community. Hundreds of people are protesting the termination of the Susquehanna County Library’s administrator and demand protection of LGBTQ-plus books. Penn State Children's Hospital in Hershey is one of four locations which will be sharing $3.6 million with the goal of improving health outcomes for newborns and their mothers. Appalachian Trail hikers in Port Clinton have faced a set of steep, sagging stairs and an active railroad at their base. The Blue Mountain Eagle Climbing Club and the Reading & Northern Railroad worked together over the past few years to improve safety on a small section of the trail in Schuylkill County. A 22-year-old from Lackawanna County has died while taking part in boot camp at Fort Sill in Oklahoma. The Justice Department appears poised to take a very different approach to investigating voting and elections. But, concerns are being raised by voting rights groups over President Trump's nominee for Attorney General, Pam Bondi. She supported Trump’s legal efforts to overturn the election results in Pennsylvania in 2020 and has reiterated his false claims about his loss that year. Public health departments investigate and respond to outbreaks of infectious diseases, inspect restaurants, and collect all kinds of health data. But most counties across the state do not have their own health departments. New research has found those that do tend to have better health outcomes. . Support WITF: https://www.witf.org/support/give-now/See omnystudio.com/listener for privacy information.

Sips, Skin Care, Selenium and More Social Media Trends

Live with Laurie and Lynn

Play Episode Listen Later Dec 31, 2024 46:51

Before you stop the scroll and go try that health trend – you'll first want to listen to this episode. We've seen everything from helpful to harmful ideas on social media this year including: · Using snail mucin for skin care· Drinking adrenal cocktails to lower cortisol· Ditching vegetables for the carnivore diet· Sipping tadpole water to lose weight Listen to the latest episode of The Healthiest You podcast, where we talk about some of the top health trends on social media with Tina George, MD, family medicine physician with Lehigh Valley Health Network (LVHN). What are cortisol cocktails and charcoal lattes? Should you try snail mucin for skin care? Why are Brazil nuts the new superfood? What popular diets are problematic? Will putting sliced onions or potatoes in your socks overnight reduce cold symptoms? We answer these questions and more on The Healthiest You podcast this month.Chapters: · 0:01 - Intro · 1:01 - Snail mucin skin care · 5:54 - Slugging your skin · 10:06 - Face yoga · 13:39 - Brazil nut buzz · 15:08 - The carnivore diet · 18:06 - Papaya seed parasite cleanse · 23:49 - Wearing food to bed · 25:03 - Charcoal lattes · 28:37 - Cortisol cocktails · 33:16 - Electrolyte packets · 34:29 - Tadpole water · 37:01 - All-natural pre-workout · 38:42 - Longevity training · 41:34 - Little treat culture · 43:36 - A dopamine menu To learn more health tips, visit LVHN.org/healthyyou. Remember to subscribe, follow and leave us a review on your favorite podcast platform: YouTube, Apple Podcasts, Spotify, Amazon Music, Player FM, Pocket Casts, Podcast Addict, Deezer.

Laurie Cadden Show from 11-30-2024

Play Episode Listen Later Dec 3, 2024 45:07

Laurie Cadden Show from November 30, 2024 with guests Rachael Fronduti, marketing manager of the Scranton Cultural Center at the Masonic Temple and Maureen McGuigan, director of arts & culture of Lackawanna County

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Say Yes To Yoga For a Better You

The Real Estate Roundtable with Jackie Ruddy, Century 21 Jack Ruddy Real Estate

Play Episode Listen Later Nov 26, 2024 30:23

If you've ever tried strength training, you probably have also done some yoga. Many bodyweight exercises such as a plank and the boat pose originated from yoga. The ancient practice has been around for more than 5,000 years and has become more popular because of its adaptability and health benefits for all ages. In this episode, Lauren Freid, MD, rheumatologist with Lehigh Valley Health Network (LVHN) and certified yoga teacher, talks about how practicing yoga can improve your health with Amanda Newman with LVHN. Why is my doctor recommending yoga? How can yoga relieve back pain? Can yoga help me build muscle mass? Why is yoga a great anti-aging tool? How can yoga improve your mood and lead to a less cluttered mind? We answer these questions and more on The Healthiest You podcast this month. Chapters: · 0:01 - Intro · 0:57 - About Dr. Freid · 1:27 - What is yoga? · 3:04 - Yoga props · 5:12 - Yoga at any age · 6:12 - Why is my doctor recommending yoga? · 7:43 - Rheumatoid arthritis and yoga · 9:30 - Back pain and yoga · 11:41 - Heart health and yoga · 13:39 - Why is yoga a form of strength training? · 16:54 - Prenatal yoga · 18:44 - Yoga for anti-aging · 19:57 - Yoga props in the office · 21:51 - Declutter your mind with yoga · 24:13 - How often should you do yoga? · 26:10 - Finding a yoga class · 28:26 - More resourcesTo learn more health tips, visit LVHN.org/healthyyou. Remember to subscribe, follow and leave us a review on your favorite podcast platform: YouTube, Apple Podcasts, Spotify, Amazon Music, Player FM, Pocket Casts, Podcast Addict, Deezer.

Local Appraiser Shares Advice for the Lackawanna County Tax Reassessment

Play Episode Listen Later Nov 17, 2024 29:55

Regarding the Lackawanna County tax reassessment, a local certified residential appraiser gives us insights and tips on what we can expect and how we can prepare for what's coming on this episode of the Real Estate Roundtable with Century 21 Jack Ruddy Real Estate. This is a must listen to show!

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Van Life Diaries - 3 Real Life Locations from "The Office"

Backroad Odyssey

Play Episode Listen Later Nov 15, 2024 11:58 Transcription Available

Scranton, Pennsylvania is inseperable from the hit-series “The Office.” Although, the show was primarily filmed in California, the series writers took inspiration from many real-life Electric City locations.Noodles and I stop to visit three such Office locations in Lackawanna County - join us as we explore the wonderful world of "The Office"As always we'll take listener questions at the end!Noah and Noodles here! We want to extend a heartfelt thanks to every listener of Backroad Odyssey. Your support fuels our passion and inspires us to keep sharing stories and discover overlooked locations. Follow each adventure visually at:https://www.instagram.com/backroadsodyssey/

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Boost Your Bone and Joint Health

Play Episode Listen Later Oct 30, 2024 65:00

Building stronger bones and healthier joints starts with prioritizing nutrition and exercise. Warming up with a cup of bone broth is one way to help fight inflammation. Sticking to a fitness routine that challenges you can increase your bone density and protect your joints. Guests:Marie O'Brien, DO, rheumatologist with Lehigh Valley Health Network, and Scott Sexton, MD, orthopedic surgeon with Lehigh Valley Orthopedic Institute, talk about bone and joint health with Amanda Newman with LVHN.Chapters: · 0:01 - Intro · 0:59 - Bone broth benefits · 4:14 - Importance of collagen · 8:29 - How to boost collagen · 13:43 - Exercises for healthy bones and joints · 20:57 - To drink milk or not · 23:44 - Calcium supplements · 27:51 - The funny “bone” · 29:40 - Bone jokes · 31:15 - How bones change with age · 32:59 - The power of prunes · 34:58 - Magnesium and your bones · 36:58 - Vitamin D and potassium · 38:44 - When to get your levels checked · 39:18 - Why women have a higher risk for osteoporosis · 40:37 - How to lower your risk for osteoporosis · 43:09 - Grounding or earthing trend · 45:09 - Common symptoms of osteoporosis · 47:41 - Treatment options · 49:14 - Osteoarthritis vs. osteoporosis · 52:01 - Creatine supplements · 53:05 - Hormones and joint pain · 57:38 - How bad is it to crack your joints · 59:58 - Tips for strong bones and healthy joints To learn more health tips, visit LVHN.org/healthyyou. Remember to subscribe or follow The Healthiest You, wherever you get your podcasts, so you never miss an episode. And remember: Be safe, be smart and be the healthiest you.

Republicans scrutinize Pa.'s automatic voter registration; Scott Perry and Janelle Stelson to debate

reading debate leaders pennsylvania congress republicans capitol ukrainian voters philadelphia phillies automatic volodymyr zelenskyy congressional districts voter registration scott perry national league east lackawanna county

Play Episode Listen Later Sep 24, 2024 7:09

Republicans are stepping up scrutiny of the state's system for registering people to vote through its driver's licensing centers. The Ukrainian community in Lackawanna County is thrilled Ukrainian President Volodymyr Zelenskyy personally visited an ammunition plant to thank Pennsylvania workers. Anti-abortion activists have flocked to the state Capitol for the annual March for Life. Leaders in Congress say they've reached a deal on a spending bill that will head off a government shutdown - for now. GOP Pennsylvania Congressman Glenn “GT” Thompson is supportive of the extension. The candidates for the 10th Congressional District, which represents much of central Pennsylvania, are squaring off in a debate at seven p.m. on October 8th. A Reading man faces thousands of dollars in fines after a security team at Lancaster Airport found a loaded nine millimeter handgun in his carry-on bag. The Philadelphia Phillies have clinched the National League East.Support WITF: https://www.witf.org/support/give-now/See omnystudio.com/listener for privacy information.

Ukraine's president thanks Scranton artillery plant workers in-person; Charleroi was adapting to influx of migrants, then Trump weighed in

Play Episode Listen Later Sep 23, 2024 15:40

Ukrainian President Volodymyr Zelenskyy has visited the Lackawanna County ammunition factory that is producing one of the most critically needed munitions for his country's fight to fend off Russian ground forces. Republican Vice Presidential candidate JD Vance has campaigned at the Berks County Fairgrounds. Democratic vice presidential candidate Tim Walz has also campaigned in Pennsylvania. The owner of the shuttered Three Mile Island nuclear power plant in Dauphin County plans to restart the reactor. In some places across Pennsylvania, distress calls to 211 or 988 link callers with support professionals - who in some cases, are too far away to act. Chester County has a solution. Central Pennsylvania is recovering from an intense storm that blasted parts of the region Saturday night. Penn State has removed nearly three dozen racks containing its independent student-produced newspaper from on-campus this week because politics-related ads on the racks violated school policy. A defense attorney is dismissing as “conjecture” the prosecution's case against a Berks County woman charged with killing her two young children. Former president Donald Trump has baselessly called out Haitian migrants in the small town of Charleroi in western Pennsylvania. Oliver Morrison is with our friends at WESA in Pittsburgh and spent some time in the Washington County community. Support WITF: https://www.witf.org/support/give-now/See omnystudio.com/listener for privacy information.

Armpit Detoxes, Deodorant and Dealing With Stress Sweat

Play Episode Listen Later Sep 12, 2024 34:46

Sweating is normal but can be uncomfortable to deal with. Pit stains, stinky feet or the dreaded stress sweat may be signs that it's time to break up with your current deodorant or shoes you've worn several days in a row. Guest:Neha Kaushik, MD, family medicine physician with Lehigh Valley Health Network (LVHN), talks about managing sweat from your armpits to your toes with Amanda Newman with LVHN. Chapters: · 0:01 - Intro · 1:11 - Deodorant vs. antiperspirant · 2:00 - Aluminum in antiperspirant · 2:41 - Ingredients to avoid · 3:52 - Deodorant immunity · 4:43 - Deodorant layering · 6:18 - “Natural” deodorant · 7:01 - Finding the right deodorant · 8:08 - DIY deodorants · 9:20 - Crystal or mineral stick deodorant · 10:38 - De-funking your pits · 12:22 - Armpit detoxes · 13:01 - Pit masks and underarm scrubs · 13:40 - When to apply deodorant · 14:49 - When only one armpit smells · 16:16 - Glycolic acid for deodorant · 17:18 - Hacks for when you forget deodorant · 18:16 - What you eat can affect how your sweat smells · 19:37 - How drinks affect your sweat · 20:38 - Hormones and sweat · 21:23 - Stress sweat · 22:32 - Managing stress sweat · 23:48 - Stinky pits after showering · 25:15 - Apple cider vinegar for deodorant · 26:06 - Excessive sweating · 27:15 - Pit vs. a puff · 28:17 - Lymphatic drainage · 29:07 - Changes in body odor · 29:32 - Whole body deodorant · 30:07 - Stinky feet · 31:41 - Synthetic clothing and sweat · 32:44 - Tips for healthy armpitsTo learn more health tips, visit LVHN.org/healthyyou. Remember to subscribe or follow The Healthiest You, wherever you get your podcasts, so you never miss an episode. And remember: Be safe, be smart and be the healthiest you.

Your Blood Sugar Impacts More Than You Think

Play Episode Listen Later Jul 29, 2024 52:11

Drinking coffee on an empty stomach, eating “naked carbs” and taking alpha-lipoic acid are just some questions you may have when thinking about your blood sugar. Whether it's balanced or not, it can influence your energy, mood and appetite. Addressing it now is key to lowering your risk for prediabetes, a condition that affects 98 million American adults. Guest:Erin Scholten, MD, endocrinologist with the Diabetes and Metabolism Center at Lehigh Valley Health Network (LVHN), discusses how your blood sugar impacts your health with Amanda Newman with LVHN. Chapters: · 0:01 - Intro · 0:58 - Blood sugar and insulin · 1:28 - Signs of insulin resistance · 3:16 - How to reverse insulin resistance · 5:50 - Coffee-before-breakfast debate · 7:55 - Mushroom coffee · 9:26 - What else can raise your blood sugar · 11:37 - Blood sugar spikes · 13:02 - How to prevent blood sugar spikes · 15:32 - Signs of an underlying condition · 16:45 - Hot flashes after a meal · 18:38 - The power of a walk after eating · 19:30 - How estrogen affects blood sugar · 22:11 - Wearing a continuous glucose monitor · 25:22 - How often should you get your blood sugar tested · 27:18 - How to reverse prediabetes · 30:59 - Eating well for balanced blood sugar · 35:28 - “Naked” carbs · 36:27 - Healthy carbs · 38:53 - Okra water trend · 40:29 - Alpha-lipoic acid supplement · 42:09 - The blood sugar diet plan · 44:18 - Eating according to the glycemic index · 45:39 - Oat milk and blood sugar concerns · 47:21 - What sugar-free really means · 48:22 - Tips to prevent prediabetes To learn more health tips, visit LVHN.org/healthyyou. Remember to subscribe or follow The Healthiest You, wherever you get your podcasts, so you never miss an episode. And remember: Be safe, be smart and be the healthiest you.

Why Your Dental Health Is a Big Deal

The Real Estate Roundtable with Jackie Ruddy, Century 21 Jack Ruddy Real Estate

Play Episode Listen Later Jun 18, 2024 32:50

Before you head to bed without brushing and flossing your teeth, think again. Taking care of your smile every day (and night) makes a difference not just for your teeth but also for your overall health. Guest:Deborah Campbell, DMD, dentist and Chair of Dental Medicine with Lehigh Valley Health Network (LVHN), discusses how your dental health affects you with Amanda Newman with LVHN. Chapters: · 0:01 - Intro · 0:48 - Dental hygiene · 1:06 - Manual vs. electric toothbrush · 2:02 - Types of toothpaste · 3:02 - Toothpaste tablets · 3:48 - Water flossing vs. regular dental floss · 4:19 - Flossing makes you live longer · 5:05 - How to make flossing a habit · 5:43 - Hidden chemicals in dental floss · 6:48 - Shopping for dental floss · 7:08 - What to avoid in mouthwash · 8:03 - The viral teeth-cleaning device · 8:51 - Coffee stains · 10:39 - Teeth-whitening strips · 12:11 - Nontoxic teeth-whitening · 12:37 - UV lights and whitening pens · 13:23 - Purple shampoo for your teeth · 13:55 - Charcoal powder for teeth whitening · 14:23 - Break the bad breath · 16:07 - Tongue scraping · 16:33 - Oil pulling · 17:19 - Jaw clenching and teeth grinding · 18:38 - Night-guard options · 20:39 - Bacteria buildup · 21:32 - Chewing gum · 22:26 - The truth about cavities · 23:07 - How oral health is connected to overall health · 23:49 - The impact of hormones on teeth · 24:42 - Dental health during your period · 27:07 - Pregnancy and dental health · 28:35 - Sipping Cup Phenomenon · 29:36 - Menopause and dental health · 30:37 - How to maintain a healthy smile

Some Waste Has Worth: Don't Toss, Recycle!

Play Episode Listen Later Jun 9, 2024 29:52

Do you have items in our household that you don't know what to do with but you know that you don't want to throw them out? Such as plastic shopping bags, plastic wraps, K cups, Ziploc storage bags. Lackawanna County invites you to take on their recycling challenge. They are accepting all of these items at their office building and they need to collect 1000 pounds by November. Learn more from our guests on this episode of the Real Estate Roundtable.

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Rocky & Lissa Audio: The Mystery of Hybrid Serpent Man

Rocky & Lissa

Play Episode Listen Later May 3, 2024 2:23

Have you seen the guy in Lackawanna County holding a sign reading "I Am Hybrid Serpent Man?" He's been spotted in Dickson City and Taylor. Rocky & Lissa attempt to solve the mystery of Hybrid Serpent Man.

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Sweeping plan to tighten gun laws in Pa. includes a ban on some firearms, and tax credit expansion may mean more money for parents and caretakers

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Play Episode Listen Later Jan 18, 2024 7:41

The state House Judiciary committee is trying to reform the state's gun laws. A package of bills being sent to the Senate would ban military style weapons. Pennsylvania parents and caretakers could receive an extra chunk of change this tax season -- due to the expansion of the Child and Dependent Care Enhancement Tax Credit. A man accused of packing an explosive device in his luggage and trying to board a plane at Lehigh Valley International Airport has entered a guilty plea. A 20-year-old Lackawanna County man has been charged with shooting and critically wounding Scranton Police Detective Kyle Gilmartin. With the region in the midst of dealing with snow and subzero wind chills, homeless advocates are working to make sure people are safe. Support WITF: https://www.witf.org/support/give-now/See omnystudio.com/listener for privacy information.

Lackawanna County Keys, City of Scranton Dreams: Available Home Buying Programs

The Real Estate Roundtable with Jackie Ruddy, Century 21 Jack Ruddy Real Estate

Play Episode Listen Later Jan 7, 2024 29:54

With high interest rates and higher home prices, you might think homeownership is out of reach, but there are assistance programs in the city of Scranton and Lackawanna county which can make dreams come true. They provide assistance funds to help you receive the keys to your new home. We will explain all the necessary details on this episode of the Rea Estate Roundtable. You'll be happy you listened!

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Maureen McGuigan; September 7 2023

ArtScene with Erika Funke

Play Episode Listen Later Sep 8, 2023 25:45

Maureen McGuigan, Poet, Playwright, & Deputy Director of Arts & Culture for Lackawanna County, speaking about her new one-person theatre piece, "Remember You Must Die: A Comedy" to be presented at the 2023 Scranton Fringe Festival with shows October 5, 6 & 7 at 8:30 each night & also a matinee at 4:00 on the 7th, all in the Junior Ballroom of the Scranton Cultural Center. For more information: www.scrantonfringe.org/

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Episode 78: Mayor McKune and the Railroad Strike of 1877

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Play Episode Listen Later Aug 17, 2023 26:55

On this episode of Tales from the Albright, Alyssa tells Jenny about Mayor Robert H. McKune's involvement in the railroad strikes of 1877. Scranton saw major events happen during July and August of the strike which impacted the city and lead to the creation of Lackawanna County as a whole. We hope you enjoy!

PennDOT takes us inside the 10-year I-81 widening project

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Play Episode Listen Later Aug 2, 2023 46:26

Rich Roman, District Executive for PennDOT's Engineering District 4, joins the News Engine Podcast to discuss the 7.5-mile Interstate 81 widening project between Scranton and Avoca.The enormous project will cost $500 million and take 10 years but it will be 5 years before crews start digging. Between now and then there's a lot of planning.Rich takes us inside the expansion and discusses how traffic will be affected and what drivers and commuters can expect. He also discusses a similar 7-mile widening project for Luzerne County that's expected to start in two years.We also couldn't resist the opportunity to give Rich some grief about the traffic circle near the Wilkes-Barre/Scranton International Airport and he breaks down for us why roundabouts can work.If you travel on Interstate 81 in Lackawanna or Luzerne Counties this episode is a must-listen.You can subscribe to the News Engine Podcast wherever you get your favorite podcasts. Listen and subscribe on Apple Podcasts Listen and subscribe on Google Podcasts Listen and subscribe on Spotify Contact News Engine: contactus@timesshamrock.comIf you know someone who you'd like to hear on the News Engine podcast or would like to join us we'd love to hear your guest suggestions. Visit the News Engine homepage for extra photos and reader comments.Thanks for listening!

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Horrors of the Hillside Home

Pennsylvania Oddities

Play Episode Listen Later Jun 1, 2023 22:53

In 1862, the residents of Providence Township in Lackawanna County decided to establish a poor farm for those who were impoverished, handicapped, elderly, and otherwise unable to work and care for themselves. This facility, which was then known as the Hillside Home, also provided housing and treatment for the mentally ill. In 1943, the name was changed to the Clarks Summit State Hospital, which continues to operate to this day. As with any asylum with such a long history, the Hillside Home has seen some dark moments, including several violent inmate deaths at the hands of staff members, but none so tragic as the brutal murder of two female inmates in the summer of 1906 by a deranged mute named Ignatz Krewzyk. --- Support this podcast: https://podcasters.spotify.com/pod/show/paoddities/support

Meet the volunteer team that's restoring and reopening the Brooks Mine at Nay Aug Park

Play Episode Listen Later May 30, 2023 56:17

Chris Murley and Dan Shurtleff have a love of coal mining and its history. They understand how mining helped shape the region and wanted to find a way to share their knowledge and love of anthracite mining with a new generation who may know little or nothing about the industry that helped build Northeast Pennsylvania.The mining enthusiasts took one look at the long-forgotten Brooks Mine at Nay Aug Park and knew they found something special. Knowing the mine was perfect to rehabilitate and share with the public they now needed permission and funding.They approached the City of Scranton for permission to enter and inspect the mine, and once inside they realized restoring the long-closed mine was possible. Their non-profit organization Underground Miners swung into action and began raising the funds needed to complete the work.You can donate, volunteer or explore the history of anthracite mining at Underground Miners or email the team at ugmanthracite@gmail.comYou can subscribe to the News Engine Podcast wherever you get your favorite podcasts. Listen and subscribe on Apple Podcasts Listen and subscribe on Google Podcasts Listen and subscribe on Spotify Contact News Engine: contactus@timesshamrock.comIf you know someone who you'd like to hear on the News Engine podcast or would like to join us we'd love to hear your guest suggestions. Visit the News Engine homepage for extra photos and reader comments.Thanks for listening!

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2023 Primary election analysis: Reassessment and Notarianni, the rise of Gaughan and McGloin, voting for change and the shrinking Democratic edge

Play Episode Listen Later May 22, 2023 31:12

The Times-Tribune politics reporter Borys Krawczeniuk breaks down the Primary election by taking a look at what happened to Jerry Notarianni and if reassessment was to blame.Borys also digs into the emergence of Bill Gaughan onto the Lackawanna County stage, what Matt McGloin is going to need to learn to be a commissioner, and how local voters sought change and younger leadership.Over the past several years Borys has been tracking a change in voter registration in Lackawanna County and Pennsylvania. The increase in the number of registered Republicans and a drop in the number of registered Democrats may have NEPA shifting toward purple instead of blue.We also ask Borys about the changes voters made to the Scranton School Board, the re-emergence of Nibs Loughney in Dunmore, the first new mayor in Carbondale in almost 20 years, and what we can expect in November.You can subscribe to the News Engine Podcast wherever you get your favorite podcasts. Listen and subscribe on Apple Podcasts Listen and subscribe on Google Podcasts Listen and subscribe on Spotify Contact News Engine: contactus@timesshamrock.comIf you know someone who you'd like to hear on the News Engine podcast or would like to join us we'd love to hear your guest suggestions. Visit the News Engine homepage for extra photos and reader comments.Thanks for listening!

Ernie Preate on his path from prosecuting historic Lackawanna County murder cases to prison reform

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Play Episode Listen Later Apr 14, 2023 64:54

Former Lackawanna County District Attorney and Pennsylvania Attorney General Ernie Preate joins the News Engine Podcast for an extensive interview that details his rise to the top of county and state politics, his stunning fall, and his desire to reform prisons he helped fill.You can subscribe to the News Engine Podcast wherever you get your favorite podcasts. Listen and subscribe on Apple Podcasts Listen and subscribe on Google Podcasts Listen and subscribe on Spotify Contact News Engine: contactus@timesshamrock.comIf you know someone who you'd like to hear on the News Engine podcast or would like to join us we'd love to hear your guest suggestions. Visit the News Engine homepage for extra photos and reader comments.Thanks for listening!

Episode 59: History of the Carbondale Public Library

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Play Episode Listen Later Mar 18, 2023 23:55

On this episode of Tales from the Albright, Alyssa and Jessica discuss the history of the Carbondale Public Library . The tale of the oldest library in Lackawanna County is filled fun stories and community support. The end of the episode discusses upcoming programs the Carbondale Public Library is running for the community. We hope you enjoy!

Episode 58: History of the Scranton St. Patrick's Parade, Part II

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Play Episode Listen Later Mar 8, 2023 22:23

On this episode of Tales from the Albright, Alyssa interviews Gary Duncan, the historian of the Saint Patrick's Parade Association of Lackawanna County. The Scranton St. Patrick's Parade is one of the major cultural events in Lackawanna County with participants from multiple states and countries each year. This episode looks at how the parade is organized and comes together each year. We hope you enjoy! For more information on the Scranton St. Patrick's Parade. including the parade route, photos, and participation forms, please visit https://stpatparade.com/

Scranton's coldest case: Reporter Lew Marcus looks back on the Tommy Genova murder

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Play Episode Listen Later Mar 6, 2023 34:40

On Jan. 26, 1981, Scranton School Director Tommy Genova was running late for a school board meeting. He exited his car behind the district's administration building and was shot in the back, dying a few hours later. Scranton Tribune reporter Lew Marcus was in the building covering the school board meeting when the shooting occurred and talks about that night and the years that followed.Editor's note: During the episode, we refer to Tommy Genova's brother as a state trooper. The trooper mentioned was his cousin, not his brother.You can subscribe to the News Engine Podcast wherever you get your favorite podcasts. Listen and subscribe on Apple Podcasts Listen and subscribe on Google Podcasts Listen and subscribe on Spotify Contact News Engine: contactus@timesshamrock.comIf you know someone who you'd like to hear on the News Engine podcast or would like to join us we'd love to hear your guest suggestions. Visit the News Engine homepage for extra photos and reader comments.Thanks for listening!

Episode 57: History of the Scranton St. Patrick's Parade, Part I

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Play Episode Listen Later Mar 1, 2023 27:22

On this episode of Tales from the Albright, Alyssa interviews Gary Duncan, the historian of the Saint Patrick's Parade Association of Lackawanna County. The Scranton St. Patrick's Parade is one of the major cultural events in Lackawanna County with participants from multiple states and countries each year. This episode takes a look back into the history of the parade. We hope you enjoy! For more information on the Scranton St. Patrick's Parade. including the parade route, photos, and participation forms, please visit https://stpatparade.com/

Election wrap: Cartwright, Bognet, Fetterman, Oz, Trump, 2024, Scranton City Council and Mayor Cognetti

Play Episode Listen Later Nov 15, 2022 31:32

Award-winning Scranton Times-Tribune journalist Borys Krawczeniuk breaks down what happened during the 2022 general election. Borys talks about the Fetterman vs Oz race, transparency, and how things might have been different if Oz lost the primary election. We also discuss "tough hombre" Matt Cartwright, the ballot fiasco in Luzerne County, Trump's impact on the election, and what could happen in 2024.We also ask Borys how Scranton City Council might change with the departure of Kyle Donahue, what he thinks happens with Mayor Paige Cognetti, and who might run for Lackawanna County Commissioner. You can subscribe to the News Engine Podcast wherever you get your favorite podcasts.Listen and subscribe on Apple PodcastsListen and subscribe on Google PodcastsListen and subscribe on SpotifyYou can subscribe to the News Engine Podcast wherever you get your favorite podcasts. Listen and subscribe on Apple Podcasts Listen and subscribe on Google Podcasts Listen and subscribe on Spotify Contact News Engine: contactus@timesshamrock.comIf you know someone who you'd like to hear on the News Engine podcast or would like to join us we'd love to hear your guest suggestions. Visit the News Engine homepage for extra photos and reader comments.Thanks for listening!

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On the Road with WNEP's Mike Stevens

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Play Episode Listen Later Oct 25, 2022 36:52

Mike Stevens spent over three decades traveling Pennsylvania's roads for his series of features and stories with everyday people. Mike joins the News Engine podcast to tell us some of his favorite stories, how he managed to do it and what he's been up to since he partially retired a few years ago.Explore the "Stevens Says" collection of short essays and the Photo Link work Mike does.You can subscribe to the News Engine Podcast wherever you get your favorite podcasts.Listen and subscribe on Apple PodcastsListen and subscribe on Google PodcastsListen and subscribe on SpotifyYou can subscribe to the News Engine Podcast wherever you get your favorite podcasts. Listen and subscribe on Apple Podcasts Listen and subscribe on Google Podcasts Listen and subscribe on Spotify Contact News Engine: contactus@timesshamrock.comIf you know someone who you'd like to hear on the News Engine podcast or would like to join us we'd love to hear your guest suggestions. Visit the News Engine homepage for extra photos and reader comments.Thanks for listening!

Learning the Language of Love

Uncorked with Funny Wine Girl

Play Episode Listen Later Oct 13, 2022 46:39

My highlight on local talent and gems in northeastern Pennsylvania continues this week as I speak with Lackawanna County romance author Cecelia Mecca about her recent trip to Italy, how it influenced her and where she finds inspiration for her novels. Cecelia, who writes historical romance novels under her name Cecelia Mecca, also writes modern-day romances under the pen name Bella Michaels and recently released a book series set in the Finger Lakes with wine playing an important role in the series--sounds like a great pairing with your favorite glass of wine to escape your everyday stress. Check out Cecelia's historical and modern romance novels on Amazon and Kindle Unlimited. If you enjoy this podcast, please remember to subscribe and share. And if you don't, keep scrolling; there are many options out there. For humor, wine fun and pretty nature pics, follow Funny Wine Girl Jeannine on Facebook and Instagram. I appreciate you from the bottom of my heart and the bottom of my wine glass. #FunnyWineGirlJeannine #UncorkedwithFunnyWineGirl --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app

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State Rep. Thom Welby keeps his promise, finishing his one year in Harrisburg