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Confused by all the Disney terms like ADRs, LLs, LLSPs, and Mobile Order? You're not alone! In this episode of Mom Street USA, we're breaking down the Disney Parks language—the key acronyms, abbreviations, and insider terms used at Walt Disney World and Disneyland.
In this conversation, Jeff interviews MK Holmes, the campaign development manager for the Light the Night campaign with the Leukemia & Lymphoma Society (LLS). They discuss MK's background, her journey to LLS, and the impactful work the organization does in the community, particularly through events like Light the Night and the Pickleball for a Purpose tournament. MK shares insights into LLS's mission to cure blood cancers, the support they provide to patients, and how the community can get involved through fundraising and volunteering.Leukemia and Lymphoma SocietyCLICK HERE to donate to Jamie's Light the Night FundraiserCLICK HERE to register for Charlotte Light The Night 2025Special thanks to:The Carolina Factory & The Vannelle Family---------------------------------------------------------------------------------------The Best of LKNhttps://thebestoflkn.com/Hosted by:Jeff HammReal Estate BrokerCharlotte & Lake Norman (NC)https://lknreal.com/Support the show
Curious about CAR T-cell therapy? We went straight to the source for answers. In this episode, the LLS Patient Education… The post CAR T-cell Therapy: Your Questions Answered first appeared on The Bloodline with LLS.
Visionary of The Year hopeful Nick Schultz is joined by Mike DiGiacomo of the Better Business Bureau at Kooper's North in Mays Chapel on the Maryland Crab Cake Tour to give Nestor the business and fun of fundraising for Leukemia and Lymphoma Society's biggest soiree of the year and the events leading up to the big night in June. The post Visionary hopeful Nick Schultz and Mike DiGiacomo of BBB give Nestor the business of LLS fundraising and big events in May first appeared on Baltimore Positive WNST.
Terry Beck of Kooper's North shares his personal passion for beating leukemia and lymphoma and raising money for LLS through Burger Night and helping others like Nick Shultz from Heller Kowitz raise community funds for Visionary Of The Year to beat blood cancer. The post Terry Beck of Kooper's North shares personal passion for LLS, Burger Night and helping community raise funds to beat cancer first appeared on Baltimore Positive WNST.
Louis The Child go all in for this episode of #PlaygroundRadio, featuring songs from AVAION, H.LLS. Swimming Paul, Hudson Mohawke, Devault, Disclosure, MizTheMC, ZULAN and more! 01. Devault - Blow Your Brain Cell 02. glittr - Push 03. Aminé - Arc de Triomphe 04. Swimming Paul & Beaux Neptune - Driving Fast 05. AVAION ft. Sofiya Nzau - Wacuka 06. H.LLS - HERE WE GO 07. ZULAN - Forever 08. KAYTRANADA - LITE SPOTS (camoufly Edit) 09. Nikki Nair ft. Hudson Mohawke - Set The Roof 10. BRLLNT - Swagga Like Us (BRLLNT Remix) 11. WizTheMc ft. bees & honey - Show Me Love 12. Pimp Chic! - Stick-Up 13. Hector Couto - Salimo 14. Sammy Virji - I Guess We're Not The Same 15. ATRIP - GUMMI 16. Disclosure - Don't Wanna Stop! 17. Daniel Allan ft. XIRA - Something More 18. Tate McRae - Revolving door (Louis The Child remix)
Acute myeloid leukemia (AML) is one of the most aggressive blood cancers—but science is making real progress. In this episode,… The post Understanding AML: The Challenges, The Progress, The Hope first appeared on The Bloodline with LLS.
There's a whole lot of gratitude, kindness, and community comin' your way in this episode...Tressa sits down with good friend - and fellow Jefferson Award recipient - Bradley Wilkins to chat about all he does in his community and why connecting with his neighbors is so important to him. They also talk about Bradley's current campaign as a candidate for the Leukemia and Lymphoma Society's Visionary of the Year. And Tressa and Don read (so many!) notes from the Kindness Crates that made a stop in the Carlynton School District. The notes were originally read as part of Carlynton's 3rd annual Women's Empowerment Summit, which Tressa emceed. Donate to Bradley's LLS campaign at Tressa's page: https://pages.lls.org/voy/wpa/pgh25/tgloverLeukemia and Lymphoma Society website: https://www.lls.org/https://www.yinzaregood.com/Want to learn more about the podcast, including all of the guests who've been featured thus far? Check out our website: https://www.yinzaregood.com/FOLLOW US on social media! Instagram: @yinzaregood Facebook: @YinzAreGoodHave a story of GENEROSITY or KINDNESS to share with us? Want a KINDNESS CRATE dropped off at your business or school? Email us at yinzaregood@gmail.com
Personalized therapeutic approaches for the treatment of chronic lymphocytic leukemia (CLL), guided by shared decision-making, can improve outcomes by aligning treatment with a patient's unique clinical profile, preferences and goals. The Association of Cancer Care Centers (ACCC) is dedicated to providing up-to-date information on CLL management and treatment strategies. In this episode, CANCER BUZZ speaks with Christopher Nelson, ACNP, MBA, certified oncology nurse practitioner at Avera Medical Group Oncology & Hematology, to explore the importance of shared decision-making and patient communication in CLL. Additionally, CANCER BUZZ speaks with Meghan McGrath, MSN, RN, AGACNP, clinical trial nurse navigator at The Leukemia and Lymphoma Society (LLS), who discusses ways to incorporate clinical trials in the shared decision-making process and LLS services that are available to support patients and providers. “You do what the patient feels is best, you know, you look at what their values are and what's important to them, and then you try to find a therapy that fits those.” – Christopher Nelson, ACNP “I think it's really important to try and make every patient aware of the fact that a clinical trial could be right for them at any stage in the game.” – Meghan McGrath, MSN, RN, AGACNP Christopher Nelson, ACNP Oncology Nurse Practitioner Avera Medical Group Oncology & Hematology Aberdeen, SD Meghan McGrath, MSN, RN, AGACNP Clinical Trial Nurse Navigator The Leukemia and Lymphoma Society (LLS) Resources: · ACCC Treatment for Double-Exposed CLL - https://bit.ly/4iSmfV1 · ACCC CLL Resources - https://bit.ly/3E4QqZK · LLS Clinical Trial Support Center - https://bit.ly/42sqGQk · ACCC CLL Video Series - https://bit.ly/4la4li5
Join us as we speak with Ashlee and Michael Cramer, the mother-son duo behind the Michael and Mom Talk Cancer… The post Unbreakable: A Mother & Son's Fight Against Cancer first appeared on The Bloodline with LLS.
Denna Arias from Energy Domain, Cory Mcintire from Wilbanks Reserve Corporation, and Greg Cohen from the Leukemia and Lymphoma Society (LLS) join the Philanthropy Series to discuss their personal journey's battling blood cancer, the advancements that have been made over the years, and what LLS is doing to raise awareness in order to help fund ongoing research that will ultimately end blood cancer once and for all. A big thanks to our 4 Minerals & Royalties Podcast Sponsors:--Tracts: If you are interested in learning more about Tracts title related services and software, then please call 281-892-2096 or visit https://tracts.co/ to learn more.--Riverbend Energy Group: If you are interested in discussing the sale of your Minerals and/or NonOp interests w/ Riverbend, then please visit www.riverbendenergygroup.com for more information--Farmers National Company: For more information on Farmer's land management services, please visit www.fncenergy.com or email energy@farmersnational.com--Oseberg: For more information on the software & data analytics tools that Oseberg has to offer, please visit www.oseberg.io.
Join Nick Lamagna on a special BONUS episode of The A Game Podcast with our guests Jackson and Shaun Amiruddin, a father and son telling an inspiring story of how Jackson survived acute lymphoblastic leukemia at a very early age. He is now getting the word out with a special fundraiser to bring a cure and awareness for this cause to stop families and children from suffering through Hope Chasers as he is looking for all of us to help. There is a current campaign running for the Student Visionary of the year where Jackson is looking for donations. We are proud to help promote a part of the Leukemia & Lymphoma Society's (LLS) Student Visionaries of the Year Campaign, working to raise as much as possible for LLS's mission as a global leader in the fight against blood cancer, LLS: Help will go toward: Funds cutting-edge research leading to breakthroughs in immunotherapy, genomics and personalized medicine that are improving and saving the lives of patients Provides free education and support for blood cancer patients and families, including personalized, one-on-one support, assistance with identifying and enrolling in clinical trials, and more. Mobilizes thousands of advocates to drive policy changes that accelerate the development of new cancer treatments and break down barriers to care. Please consider joining this fight by making a donation. All donations are greatly appreciated and tax-deductible. Please visit my website often and tell friends who would also like to donate! Topics for this episode include: ✅ Amazing story of how a child beat Leukemia ✅ Words of encouragement from a child to other kids suffering from illness today ✅ Advice for parents struggling with the stress and emotions of dealing with this situation ✅ Tips on how to pick the best doctor when emotions are on the line. ✅ How we can help save lives + More See the show notes to connect with all things Hope Chasers! Connect with Hope Chasers: Hope Chasers Facebook Hope Chasers Instagram Student Visionary of The Year Fundraiser Follow Jackson Amiruddin on Instagram --- Connect with Nick Lamagna www.nicknicknick.com Text Nick (516)540-5733 Connect on ALL Social Media and Podcast Platforms Here FREE Checklist on how to bring more value to your buyers
When it comes to cancer and nutrition, there's a lot of misinformation out there. Can sugar fuel cancer? Should you… The post Cancer Nutrition: Myth Busters Edition first appeared on The Bloodline with LLS.
In this episode, we sit down with Dr. Cesar Rodriguez of Mount Sinai Hospital in New York, NY to discuss… The post Hope in Myeloma: The Road to Long-Term Survival first appeared on The Bloodline with LLS.
A Cutaneous T-cell Lymphoma (CTCL) diagnosis can raise many questions, from understanding symptoms to exploring treatment options. In this episode,… The post Cutaneous T-Cell Lymphoma (CTCL): From Diagnosis to Innovation first appeared on The Bloodline with LLS.
In this episode, we sit down with Dr. Bilal Abid from University of Texas Health Science Center in Houston to… The post Impact of Disparity: Navigating Treatment Equality in Cancer Care first appeared on The Bloodline with LLS.
Our defending Accelerent champion and runner-up for The Leukemia and Lymphoma Society "Visionary Of The Year," Cate Paris joins Nestor to discuss networking the right way, raising money to beat cancer and a future career in improv comedy from State Fare on "A Cup Of Soup or Bowl Week" in Catonsville. The post Cate Paris of Accelerent joins Nestor to discuss LLS and Visionary locals raising money to beat cancer first appeared on Baltimore Positive WNST.
The games are on, the music is perfect and the food is terrific, which is why we keep coming back to Kooper's North in Mays Chapel. And, of course, the gumbo! On the final day of "A Cup Of Soup Or Bowl," we reconvened with our favorite two-time cancer survivor Terry Beck, who tells his journey and support of LLS and many other charities via the "Burger Of The Month" in Timonium and Fell's Point. The post Terry Beck of Kooper's North shares his cancer journey and monthly burger glory with Nestor first appeared on Baltimore Positive WNST.
A stem cell transplant for blood cancer is just the beginning – what may come next for the patient can… The post Beyond the Transplant: Navigating Graft-vs-Host Disease (GVHD) first appeared on The Bloodline with LLS.
In this episode, we sit down with Sarah Bugen, a nurse at Memorial Sloan Kettering Cancer Center, who shares her expertise on managing life after a blood or bone marrow transplant, particularly in relation to chronic graft-versus-host disease (GVHD). The conversation centers on practical advice for patients and caregivers navigating recovery and maintaining quality of life.Regarding Oral GVHD, Sarah emphasizes the importance of oral health post-transplant, recommending soft toothbrushes, alcohol-free mouthwash, and avoiding irritants like spicy or acidic foods. She suggests soft, hydrating foods and stresses the need for regular dental checkups with oncologist approval. Hydration is vital for managing dry mouth, with a goal of 2-3 liters of fluids daily. Also, sugarless candy or gum can help stimulate saliva production.For nutrition, Sarah advises increasing caloric intake with protein powders, full-fat products, and small, frequent meals. She also highlights the value of bland diets and electrolyte packets for hydration. Avoiding triggers like dairy, caffeine, and greasy foods can minimize gastrointestinal discomfort (and even GVHD of the GI Tract), while clean cooking practices ensure safety during recovery.Skin care is another focus. Sarah recommends fragrance-free, gentle products like CeraVe and Cetaphil and suggests applying moisturizer after a shower to lock in hydration. Sunscreen, protective clothing, and sun hats are essential, even in winter, to protect sensitive post-transplant skin.Physical activity is vital for rebuilding strength and improving mental health. Sarah advises patients to start slow with light activities like walking or stretching and gradually increase as tolerated. Physical therapy exercises should be integrated into daily routines, and adequate rest is crucial after any activity. Even though it may be counter-intuitive, continuous movement is key in the battle against fatigue.Caregivers also play a pivotal role. Sarah underscores the importance of open communication with the medical team and notes that caregivers can support medication management, track progress, and join support groups for additional resources. Caregivers are encouraged to celebrate small victories and take care of their own mental health, as they are an essential part of the recovery process.Finally, Sarah shares an incredible survivor story, and reflects on the resilience in her patients and the importance of celebrating milestones like “transplant birthdays.” She encourages patients to set realistic goals, maintain hope, and focus on incremental progress. Sarah leaves us with an inspiring reminder to be patient with ourselves, celebrate every achievement, and never stop fighting.Resources:Link to LLS free Nutrition Consultations: https://www.lls.org/managing-your-cancer/food-and-nutritionGVHD Alliance: https://www.gvhdalliance.orgThank you to our sponsors. This season is supported by a healthcare contribution from Sanofi https://www.sanofi.com/ National Bone Marrow Transplant Link - (800) LINK-BMT, or (800) 546-5268.nbmtLINK Website: https://www.nbmtlink.org/nbmtLINK Facebook Page: https://www.facebook.com/nbmtLINKFollow the nbmtLINK on Instagram! https://www.instagram.com/nbmtlink/The nbmtLINK YouTube Page can be found by clicking here.To participate in the GVHD Mosaic, click here: https://amp.livemosaics.com/gvhd
In this episode, we welcome Jeannie Wiarda, LMSW, a Medical Social Worker at the Adult Blood and Bone Marrow Transplant Center at Corewell Health in Grand Rapids, Michigan. Jeannie has been a Medical Social Worker at Corewell Health for 20 years including 14 years in Hospice and Palliative Care Inpatient; time in the Emergency Room prior to that, and has currently spent three years in bone marrow transplant. Jeannie provides insight into her work with transplant patients, particularly those navigating chronic graft-versus-host disease (GVHD), offering a comprehensive view of her role and strategies for supporting survivors through their journeys.Jeannie explains that her role as a social worker encompasses the entire transplant process—from the pre-transplant evaluation to post-transplant care. She helps patients address barriers like financial challenges, housing, and psychological trauma, tailoring support to each individual's unique needs. Her involvement extends through the hospital stay and into recovery, offering continuity of care during this vulnerable time.A key theme is the interplay between stress, trauma, and the transplant experience. Jeannie highlights the impact of chronic stress on the brain, emphasizing the importance of caregivers who provide practical and emotional support. She underscores the necessity of self-care for caregivers, advocating for planned respite and support systems to sustain their well-being.Jeannie shares actionable strategies for patients and caregivers to find hope and purpose amid the challenges of GVHD. These include maintaining a healthy lifestyle, engaging in fulfilling activities, and staying connected with others. She stresses the value of education, encouraging patients to leverage resources like the nbmtLINK, BMT InfoNet, LLS, and the GVHD Alliance to empower themselves with knowledge and advocacy skills.Jeannie emphasizes finding ways to “live life” despite the limitations GVHD may impose. She recalls stories of patients adapting activities to their current abilities, referencing another podcast by the LINK where we talked to a survivor who switched to an e-bike for outdoor exploration. Jeannie also advocates for fostering connections through support groups and meaningful activities, such as volunteering, to regain a sense of purpose.Jeannie concludes with advice on processing grief and fear, embracing compassion, and accessing professional mental health resources, including cognitive behavioral therapy such as Eye Movement Desensitization and Reprocessing (EMDR), for addressing trauma. Her compassionate, holistic approach demonstrates the profound impact of social work in transforming survivorship into a journey of resilience and empowerment.More:GVHD Alliance: https://www.gvhdalliance.orgLink to LLS free Nutrition Consultations: https://www.lls.org/managing-your-cancer/food-and-nutritionBook: The Body Keeps the Score: https://www.amazon.com/Body-Keeps-Score-Healing-Trauma/dp/0143127748Thank you to our sponsors. This season is supported by a healthcare contribution from Sanofi https://www.sanofi.com/ National Bone Marrow Transplant Link - (800) LINK-BMT, or (800) 546-5268.nbmtLINK Website: https://www.nbmtlink.org/nbmtLINK Facebook Page: https://www.facebook.com/nbmtLINKFollow the nbmtLINK on Instagram! https://www.instagram.com/nbmtlink/The nbmtLINK YouTube Page can be found by clicking here.To participate in the GVHD Mosaic, click here: https://amp.livemosaics.com/gvhd
In this episode, we meet up with Josh Conklin, a seasoned bone marrow transplant (BMT) nurse at the University of Michigan Hospital, to explore his experiences, insights, and tips for managing chronic graft-versus-host disease (GVHD). With 11 years of inpatient experience, Josh offers a comprehensive view of the challenges and triumphs in caring for patients undergoing BMT.Josh explains that his primary role involves guiding patients through the most critical stages of their transplant journey, from chemotherapy conditioning to the stem cell infusion and the vulnerable recovery period afterward. He emphasizes the delicate balance required in managing GVHD, a condition that plays a dual role: while some GvHD is beneficial in suppressing cancer recurrence (graft-versus-leukemia effect), too much can lead to severe complications.Long-term immunosuppression is a cornerstone of GVHD management. Josh highlights the reliance on drugs like tacrolimus and, when necessary, steroids. However, we note the adverse effects of prolonged steroid use, such as muscle wasting, infections, and physical deconditioning. Emerging monoclonal antibody therapies are offering new hope, aiming to reduce these side effects.The discussion also sheds light on the psychological toll of repeated hospitalizations and the role caregivers play in patient success. Josh describes caregivers as essential for monitoring symptoms, administering medications, and providing emotional support. However, he acknowledges the significant strain caregiving can impose, especially during the critical first 100 days post-transplant when patients are highly vulnerable.Josh shares stories of resilience and purpose among his patients, underscoring the importance of a positive outlook and having something meaningful to strive for. He reflects on the impact of a strong support system, whether it's family, friends, or peer mentorship programs, in helping patients navigate their “new normal.” Despite the challenges, Josh finds inspiration in his patients' ability to find joy and purpose, even in difficult circumstances. He shares his experience with one woman in particular.This heartfelt conversation highlights the physical, emotional, and relational dynamics of BMT care, offering a glimpse into the profound impact of dedicated healthcare professionals like Josh.More:GVHD Alliance: https://www.gvhdalliance.orgLink to LLS free Nutrition Consultations: https://www.lls.org/managing-your-cancer/food-and-nutritionThank you to our sponsors. This season is supported by a healthcare contribution from Sanofi https://www.sanofi.com/ National Bone Marrow Transplant Link - (800) LINK-BMT, or (800) 546-5268.nbmtLINK Website: https://www.nbmtlink.org/nbmtLINK Facebook Page: https://www.facebook.com/nbmtLINKFollow the nbmtLINK on Instagram! https://www.instagram.com/nbmtlink/The nbmtLINK YouTube Page can be found by clicking here.To participate in the GVHD Mosaic, click here: https://amp.livemosaics.com/gvhd
In this episode, we talk to Carly Cappozzo, a senior occupational therapist specializing in graft-versus-host disease (GVHD) rehabilitation at a major cancer hospital. Carly shares her unique approach to patient care, emphasizing the importance of holistic and personalized therapy that empowers patients to regain their independence and identity post-treatment.Carly explains her role as an occupational therapist, detailing how she helps patients achieve independence in everyday tasks and rediscover activities that give their lives meaning. Her methods include activity analysis, breaking down tasks to identify barriers, and creating strategies to overcome them. She highlights the need for patient-centered care, ensuring therapy aligns with each individual's goals and preferences.Carly discusses her work in GVHD rehabilitation, particularly focusing on the relationship between skin, fascia, muscle tightness, and the nervous system. She underscores the value of gentle, prolonged stretching and calming the nervous system to improve mobility and reduce stress. She also addresses cancer-related fatigue, comparing it to a depleted energy "bank account," and stresses the importance of prioritizing activities that bring joy while conserving energy for essential tasks.Practical solutions for ocular GVHD are explored, including leveraging technology's accessibility features like text magnification and screen readers. Carly advises tailoring daily routines to maximize engagement in meaningful activities and adapting tasks to accommodate physical limitations. She highlights the importance of movement over exercise, recommending gentle, natural activity to improve well-being.Carly emphasizes the critical role of caregivers in fostering patient independence. She advises caregivers to balance support with opportunities for patients to contribute to daily life, thus maintaining a sense of purpose. Carly also shares inspiring stories of patients overcoming significant physical and emotional challenges through therapy, demonstrating resilience and achieving a fulfilling quality of life.The conversation concludes with advice for survivors and caregivers to approach GVHD recovery as a marathon rather than a sprint, emphasizing patience, consistency, and a collaborative approach to health and wellness.More:Seeing AI App: https://www.microsoft.com/en-us/ai/seeing-aiGVHD Alliance: https://www.gvhdalliance.orgLink to LLS free Nutrition Consultations: https://www.lls.org/managing-your-cancer/food-and-nutritionThank you to our sponsors. This season is supported by a healthcare contribution from Sanofi https://www.sanofi.com/ National Bone Marrow Transplant Link - (800) LINK-BMT, or (800) 546-5268.nbmtLINK Website: https://www.nbmtlink.org/nbmtLINK Facebook Page: https://www.facebook.com/nbmtLINKFollow the nbmtLINK on Instagram! https://www.instagram.com/nbmtlink/The nbmtLINK YouTube Page can be found by clicking here.To participate in the GVHD Mosaic, click here: https://amp.livemosaics.com/gvhd
In today's episode, we talk with Krista Wood, a registered nurse with the Cell Therapy and Transplant Program at Victoria General Hospital in Halifax, Nova Scotia (Canada). Krista shares her invaluable insights and experiences working with patients dealing with chronic graft-versus-host disease (GVHD), a common complication following stem cell transplants. Our discussion delves into the importance of communication, post-transplant care, and finding joy and purpose during survivorship.Krista emphasizes that early detection and treatment of GVHD are critical. She encourages patients to report any changes, no matter how minor they may seem, and reassures them that healthcare teams are there to help. This open communication is vital, as post-transplant life can be overwhelming with fears of relapse or complications. Ensuring patients have direct access to their care team can ease their anxieties and foster trust.Routine health checks, like blood work and pulmonary function tests, play a crucial role in monitoring potential complications. Krista explains the importance of tracking liver enzymes, bone density, and lung function to catch and address issues early. She underscores that post-transplant care goes beyond the transplant itself, extending to overall health maintenance, including routine screenings like mammograms, dental care, and colorectal exams.Reconnecting with life post-transplant is another important theme. Krista encourages patients to rediscover the activities they loved before their illness, whether it's returning to work, volunteering, or pursuing hobbies. Work and social engagement provide purpose and can aid emotional recovery. For those who can't return to work, finding alternative ways to contribute, such as volunteering with organizations like the Leukemia & Lymphoma Society or HealthTree, can offer fulfillment and connection. (Note: the National Bone Marrow Transplant Link (nbmtLINK) has a peer mentor program as well, email info@nbmtlink.org if you'd like to be a peer or need a peer mentor. )Preparing for transplant and understanding GVHD beforehand is crucial. While some patients prefer to know everything, others may only want the basics. Krista and her team provide consistent education in manageable increments to help patients absorb key information. She explains factors that increase the risk of GVHD, such as donor characteristics and patient preconditioning, and stresses the importance of entering the transplant process in the best possible physical shape.Krista also highlights the importance of addressing sensitive topics like sexual health, which many patients are reluctant to discuss. She brings up these issues proactively, ensuring patients feel supported and have access to necessary resources.Finally, Krista shares stories of hope, including patients who, despite long-term challenges, have regained a sense of normalcy and fulfillment. She reminds us that while every patient's journey is unique, resilience and adaptation are common threads in their recovery.This episode is a testament to the critical role nurses like Krista play in guiding patients through this complex medical journey, offering care, education, and encouragement every step of the way.More:Leukemia & Lymphoma Society: https://www.lls.orgHealthTree Foundation: https://www.healthtree.orgGVHD Alliance: https://www.gvhdalliance.orgLink to LLS free Nutrition Consultations: https://www.lls.org/managing-your-cancer/food-and-nutritionThank you to our sponsors. This season is supported by a healthcare contribution from Sanofi https://www.sanofi.com/ National Bone Marrow Transplant Link - (800) LINK-BMT, or (800) 546-5268.nbmtLINK Website: https://www.nbmtlink.org/nbmtLINK Facebook Page: https://www.facebook.com/nbmtLINKFollow the nbmtLINK on Instagram! https://www.instagram.com/nbmtlink/The nbmtLINK YouTube Page can be found by clicking here.To participate in the GVHD Mosaic, click here: https://amp.livemosaics.com/gvhd
In this episode, we sit down with Lisa Stewart, a nurse practitioner with more than 25 years of transplant nursing experience, currently working at the post-transplant BMT clinic at the Dana-Farber Brigham Cancer Center in Boston. Lisa provides invaluable insights into managing chronic and acute graft-versus-host disease (GVHD) and shares her expertise, stories, and advice for patients and caregivers navigating post-transplant life.Lisa describes her role in outpatient care, where the majority of her work focuses on managing chronic GVHD, a condition that is both a sign of a functioning immune system and a complex challenge. While mild GVHD can indicate that the transplant is effectively fighting diseases like leukemia or lymphoma, severe cases can lead to complications involving multiple organs. Lisa outlines the two major categories of GVHD: steroid-reactive and steroid-refractory, with the latter being particularly difficult to treat. Acute GVHD typically occurs within the first 100 days post-transplant and often impacts the skin, liver, or gut, whereas chronic GVHD can develop months or years later and affect a broader range of organs, including the eyes, mouth, lungs, and reproductive systems.Clinical trials have led to significant advancements in treatment, including drugs like Ruxolitinib and Rezurock, offering hope to patients who fail first-line steroid therapy. Lisa also highlights Axatilimab, a newer medication discussed at the 2023 ASH meeting, although its availability remains limited due to manufacturing challenges. Despite these breakthroughs, steroids remain the frontline treatment, though they often cause challenging side effects like hyperglycemia, insomnia, and weight gain.Lisa also emphasizes the critical role caregivers play in a patient's recovery, managing complex medication regimens and providing vital emotional and physical support. She notes that without strong support at home, a transplant may not be feasible, particularly in the crucial first six months post-transplant.The episode also touches on common post-transplant issues like oral GVHD, fatigue, and the importance of staying active. Lisa shares practical tips, such as using Dexamethasone rinses for oral GVHD and encouraging light activity to combat fatigue. She underscores the importance of early symptom reporting, especially for chronic GVHD, as prompt intervention can significantly improve outcomes.Lisa concludes with a heartfelt story of a young patient who faced severe complications, including acute respiratory failure and paralysis, but ultimately made a remarkable recovery, even regaining mobility and starting a family. Stories like his, Lisa says, are what keep healthcare providers inspired despite the challenges.We wrap up with a reminder about the resources available to patients and caregivers, encouraging early reporting of symptoms and proactive management. Lisa's wisdom and dedication shine through, offering hope and practical guidance for those navigating the complex world of post-transplant care.More:GVHD Alliance: https://www.gvhdalliance.orgLink to LLS free Nutrition Consultations: https://www.lls.org/managing-your-cancer/food-and-nutritionThank you to our sponsors. This season is supported by a healthcare contribution from Sanofi https://www.sanofi.com/ National Bone Marrow Transplant Link - (800) LINK-BMT, or (800) 546-5268.nbmtLINK Website: https://www.nbmtlink.org/nbmtLINK Facebook Page: https://www.facebook.com/nbmtLINKFollow the nbmtLINK on Instagram! https://www.instagram.com/nbmtlink/The nbmtLINK YouTube Page can be found by clicking here.To participate in the GVHD Mosaic, click here: https://amp.livemosaics.com/gvhd
Research continues to accelerate for myelodysplastic syndromes (MDS), giving hope to patients and their loved ones. In this episode, Dr.… The post There's Always Hope: Myelodysplastic Syndromes (MDS) first appeared on The Bloodline with LLS.
En este episodio conocemos al Dr. Mateo Mejia Saldarriaga de Weill Cornell Medicine, hospital NewYork-Presbyterian. Únase para aprender cómo los… The post Nuevos Avances Para Mieloma Múltiple first appeared on The Bloodline with LLS.
Join us as we speak to Mousa Ghannam, who was diagnosed with chronic myeloid leukemia (CML) at the age of… The post Not Cashing In My Chips: Living with Cancer first appeared on The Bloodline with LLS.
Diffuse large B-cell lymphoma is the most common subtype of non-Hodgkin lymphoma. Tune in as we chat with Dr. Yasmin… The post Emerging Therapies and Hope: Diffuse Large B-cell Lymphoma first appeared on The Bloodline with LLS.
Sam Mason is a Farmer at “Spicers Run”, a 4,500-hectare mixed-farming operation near Wellington. Sam, his brother Joe, and their families use a 10-year cropping rotation schedule to help them make the most of their land. In this episode, Sam shares how his cropping rotation works and the benefits of dual-purpose cropping for providing high-quality winter feed for livestock while leaving plenty to harvest at the end of the season. He also shares how his intense production strategy helps to offset rising input costs. Local Land Services Cropping Ag Advisor, Tim Bartimote, sat down with Sam out the back of the LLS ag shed among the dual-purpose hay samples. Nominate a Mate: If you'd like to nominate a mate (or yourself) as a potential future guest on the podcast, you can do so here: Nominate a Mate for 'Seeds for Success' Connect: Central West LLS website Central West LLS on Facebook Central West LLS on Twitter Central West LLS on YouTube The views contained in this podcast series are not necessarily endorsed by Central West Local Land Services. Listeners are advised to contact their local office to discuss their individual situation. This show is produced in collaboration with Wavelength Creative. Visit wavelengthcreative.com for more information.
Firefighter, cancer survivor and advocate Nick Howe shares his experiences of surviving cancer with an experimental treatment, only a few years later to require a new heart during which time a spinal stroke left him paralyzed from the waist down. Howe talks about a desire to dedicate his life in service to others initially taking the form of being a firefighter, as well as a spouse and father, but which now has assumed a new shape and vitality of purpose.Nick and Rachel Howe met initially in 2005 and later married. Nick worked as firefighter and Rachel as a teacher. In 2016, the onset of severe health issues for Nick was diagnosed as Non-Hodgkin Lymphoma that chemotherapy, immunotherapy and an autologous stem-cell transplant failed to treat. To save his life, he underwent a highly experimental therapy called CAR T-cell therapy and he has been in remission since. After welcoming their two children, in the summer of 2022, Nick experienced more illness and received a heart transplant. A few weeks later, with his new heart failing, Nick was placed in a medically induced coma during which time he had a spinal stroke that has left him paralyzed from the waist down. Nick's dedication to supporting others now includes serving as the Nebraska State Director for the Firefighter Cancer Support Network and as an ambassador for LLS and Lymphoma Research Foundation. Nick, his wife Rachel, and their two kids live in Omaha, Nebraska.
Join us for a powerful message of hope and perseverance after a cancer diagnosis. In this episode, Rashad Hayes shares… The post Don't Burn Your CAKE: Embracing Life's Challenges first appeared on The Bloodline with LLS.
Navigating the maze of cancer care can be overwhelming. Join us as Sara Grisales Jaramillo, LMSW, of CancerCare® discusses the… The post Overcoming Barriers: Navigating Cancer Care first appeared on The Bloodline with LLS.
In episode 79 of the Summits Podcast, Vince Todd, Jr. is joined by Teresa Altemeyer, cancer survivor and patient advocate through cancer support groups and art therapy at the CompleteLife Program at IU Health and the IU Simon Cancer Center. Tune in as Teresa shares the incredibly important role that these groups and therapies play for patients, survivors and caregivers. The Heroes Foundation proudly provides funding to the CompleteLife Program to further our mission to provide meaningful support to cancer patients, education to promote cancer prevention and resources to advance research for a cure.
Please join us for this special episode live from CancerCon®, a young adult cancer conference presented by Stupid Cancer®. A… The post LIVE! At CancerCon: Ghosts, Growth and Guidance first appeared on The Bloodline with LLS.
On this episode: Welcome to episode 338! This week, Roderick & Cari talk new music from Gunna, Ab-Soul, Yeat, & Juice WRLD. In news, the guys discuss new albums on the way from Tyler, The Creator & Megan Thee Stallion, Gucci Mane clears out the 1017 roster, the 2024 Rock & Roll Hall of Fame inductees announced & more. Intro: Dom Kennedy- Leanin Roderick | Drake- Tried Our Best Cari | H.LLS & Col3trane- CANT WAIT (feat. Tay Iwar) Subscribe to Apple Music now to hear all of the new albums & tracks we discuss: https://apple.co/3NgdXW
There are new Medicare changes starting in January 2025 that will benefit cancer patients. LLS Vice President of Federal… The post Medicare Updates: What You Need to Know for 2025 first appeared on The Bloodline with LLS.
There are new Medicare changes starting in January 2025 that will benefit cancer patients. LLS Vice President of Federal… The post Medicare Updates: What You Need to Know for 2025 first appeared on The Bloodline with LLS.
Robin rambles about calamine lotion, door to door political polling, vice presidential debates, past life regression, the trouble with book shelves, and more. Montgomery County Light The Night is just 5 days away! Did you know that September is Blood Cancer Awareness Month (BCAM)?This BCAM, it's important to know that LLS is on a mission to cure blood cancers and improve quality of life for the nearly 1.7 million people in the U.S. living with or in remission from blood cancer. LLS is all about people—an organization full of people who are united in the urgent effort to help every person impacted by blood cancer.Help Team Zavadowski reach our fundraising goal! Thank you for your generous donations:https://pages.lls.org/ltn/fdk/Montcomd24/rsmith--Become a supporter on Patreon: https://www.patreon.com/therobinsmithshowGet in touch: robinsmithshow@gmail.comCall the hotline: +1 (301) 458-0883Got a question? We'd love to hear from you!
Please join us for this special episode live from CancerCon®, a young adult cancer conference presented by Stupid Cancer®. Following… The post LIVE! At CancerCon: Transitioning to Primary Care first appeared on The Bloodline with LLS.
Please join us for this special episode live from CancerCon®, a young adult cancer conference presented by Stupid Cancer®. Following… The post LIVE! At CancerCon: Transitioning to Primary Care first appeared on The Bloodline with LLS.
We chatted about our upcoming fundraiser for Leukemia and Lymphoma Society through the Student Visionaries of the Year. To Connect with LLS Student Visionaries: https://www.llsstudentvisionaries.org/ For support and advocacy: https://www.lls.org/ Maggie Jones Fundraising Link: https://events.lls.org/epa/phillysvoy25/mjones Conshy Connects All Proceeds will benefit the Leukemia & Lymphoma Society through the Student Visionaries of the Year. You can shop via Facebook, Instagram or ConshyConsignment.com on September 26th at 7 PM Eastern. If you can't join us live, you are welcome to shop the replay for 48 hours where 100% of Proceeds will be donated to LLS. Facebook Link to Sale: https://www.facebook.com/share/gpwXFqjDKJPuPaZk/ Conshy Consignment: https://conshyconsignment.com/ --- Support this podcast: https://podcasters.spotify.com/pod/show/conshy-consignment/support
Robin rambles about last night's Weezer, The Flaming Lips, Dinosaur Jr. show at The Anthem in DC, Commanders football, the presidential debates, and shares some tracks from Momentary Prophet's album, Mandala.https://momentaryprophets.bandcamp.com/Montgomery County Light The Night is just 3 weeks away! Did you know that September is Blood Cancer Awareness Month (BCAM)?This BCAM, it's important to know that LLS is on a mission to cure blood cancers and improve quality of life for the nearly 1.7 million people in the U.S. living with or in remission from blood cancer. LLS is all about people—an organization full of people who are united in the urgent effort to help every person impacted by blood cancer.Help Team Zavadowski reach our fundraising goal! Thank you for your generous donations:https://pages.lls.org/ltn/fdk/Montcomd24/rsmith--Become a supporter on Patreon: https://www.patreon.com/therobinsmithshowGet in touch: robinsmithshow@gmail.comCall the hotline: +1 (301) 458-0883Got a question? We'd love to hear from you!
Living with chronic lymphocytic leukemia (CLL) can be a challenging journey for both patients and caregivers. However, there is a… The post Hope on the Horizon: Chronic Lymphocytic Leukemia first appeared on The Bloodline with LLS.
Living with chronic lymphocytic leukemia (CLL) can be a challenging journey for both patients and caregivers. However, there is a… The post Hope on the Horizon: Chronic Lymphocytic Leukemia first appeared on The Bloodline with LLS.
Lightning Lane Multi Pass Find us on Youtube - please like and subscribe! Looking to plan a Disney World or Disneyland vacation? Let Joe do all the hard work for you, helping you get the best discount, at no cost to you as your travel agent. Get started by e-mailing josephcheung@travelmation.net today! Episode Description Lightning Lane Multi Pass! Lightning Lane Single Pass! Walt Disney World has introduced a new paid line shortening product - a combination of the old Fastpass and Genie+. We break down everything you need to know about this new system - how to buy it, when to buy it, choosing attractions, and a whole lot more. We figured out how the system works and packaged it into this episode so you don't have to! Plus, a typical Disney Deciphered FAQ section. Have you tried Lightning Lane Multi Pass yet? Let us know by e-mailing disneydeciphered AT gmail DOT com, messaging us on Twitter, or leaving a comment on our Youtube page. You can also follow us on Instagram! Episode Notes (all timestamps are approximate) 3:46 - Lightning Lane Multi Pass at Disneyland (basically Genie+) 5:30 - Defining new Lightning Lane Multipass and Single Pass terminology 9:16 - Lightning Lane Multi Pass basics and rules 13:20 - Overlapping time windows 16:02 - Booking extra attractions 19:43 - How to buy Lightning Lane Multi Pass 23:35 - Attraction tiers 27:30 - FAQs 41:26 - Disney dos and don'ts FAQ List: What attractions are covered by LLMP? How does LLMP work with park hopping? How long do you have to use your LL? Can you modify lightning lanes? Can you book for a party? Can you have two LLs booked for the same time? Do you have to buy LLMP to buy LLSP? What happens if ride breaks? If an attraction is sold out for the day, are you out of luck? If we've helped you to plan your trip and you'd like to thank us we'd appreciate you considering a one time donation. Or if you'd like to receive bonus content, check out our Patreon page and our special subscriber only content! You can also support the show by buying tickets (if they're the best deal, of course) using our Undercover Tourist link or signing up for Mouse Dining through our link. If you like what you hear, please share and subscribe! Find us on iTunes, Stitcher, Spotify, TuneIn, PlayerFM, iHeartRadio, or Google Podcasts (please leave a positive review if you're enjoying the show), like our Facebook page, or follow us on Twitter and Instagram! Connect with Leslie @TripsWithTykes on social media and Joe @asthejoeflies.
Chronic myelomonocytic leukemia (CMML) has been a challenging disease to tackle, historically treated with therapies meant for other conditions. But… The post Advancing the Science: Chronic Myelomonocytic Leukemia (CMML) first appeared on The Bloodline with LLS.
Chronic myelomonocytic leukemia (CMML) has been a challenging disease to tackle, historically treated with therapies meant for other conditions. But… The post Advancing the Science: Chronic Myelomonocytic Leukemia (CMML) first appeared on The Bloodline with LLS.
Randy Richardson just qualified for his first Loretta Lynn's and we call him up to talk about his Regional at Echeconnee. From riding a two stroke, how Matt Walker's track shaped up, why he has never gone to LLs, why everyone that has a story has a purpose, plus a lot of Randy-isms in this episode. If you plan on going to LLs or maybe just want to learn about an old dude's journey, this is a good one!
We've already had more inflation in this young 2020s decade than the entire 2010s. If the next forty years have as much inflation as the last forty, gas will cost $13.38 per gallon, the average home $1.88 million, and the average rent $59,000 annually. Inflation impoverishes most people. You can profit from it 3 ways at the same time. Watch the free 3-part video series: GetRichEducation.com/TripleCrown. The 30-year fixed rate mortgage is a uniquely American construct. It virtually exists nowhere else in the world. I compare this to mortgage terms in Europe, Canada and Australia. In much of the world, homeowners have had their mortgage payments double overnight! Trends that won't soon be disrupted: more inflation, people need to live somewhere, there aren't enough places to live. That's so simple! Invest in it. Rents are increasing the most where little new supply has been added. There's a myth that gigantic institutional investors are gobbling up all the single-family rental homes. But they only own 3% of the market. Mom & pops own 80%. Single-family rents are up 3.4% per CoreLogic. Detached SFHs are up more than attached types. Property prices and rents are positively correlated. Some people falsely think that they move inversely. Resources mentioned: Profit from inflation 3 ways: GetRichEducation.com/TripleCrown For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.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 For advertising inquiries, visit: GetRichEducation.com/ad Will you please leave a review for the show? I'd be grateful. Search “how to leave an Apple Podcasts review” Top Properties & Providers: GREmarketplace.com GRE Free Investment Coaching: GREmarketplace.com/Coach 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 Keith's personal Instagram: @keithweinhold Complete episode transcript: Welcome to GRE! I'm your host, Keith Weinhold. Learn how the misery of INFLATION is altering BOTH your quality of life and the return on ALL of your investments… … also, many people are now having their mortgage payments DOUBLE overnight and IT'S creating pain, then, what are the factors affecting the future direction of RENTS - all that, and more, today on Get Rich Education! ______________ Welcome to GRE! You're listening to one of the longest-running and most listened-to shows on real estate investing. This is Get Rich Education. I'm your host, Keith Weinhold - the voice of RE since 2014. I don't know if you fully realize how much inflation is steering all of your investments - and it's emphatic at a time like this when the dollar is down 25% cumulatively just in the last four years. Gosh! And I've got some jaw-dropping inflation fact to share with you soon. We'll get to inflation's RE affects shortly. But here's what I mean. In stocks, they keep riding up on a wave of optimism, anticipating a Fed interest rate cut - largely due to future INFLATION expectations. Yes, there's jobs & GDP and some other factors. But the stock market - which is a FORWARD-looking market - it moves based on what's expected to happen 6 to 12 months from now. STOCK investors know that rate cuts open the floodgates to get us closer to the “easy money” days again. That's why - as backwards as it is, the worse the economy looks, the lower that inflation tends to be, and then, in turn, the lower that interest rates can go, which the stock market likes. So a worsening economy often pumps up the stock market. Soooo backwards. Just look at what happens historically. Recessions sound bad. Yet what happens is that rates get cut in a recession - because the economy needs the help. But nearer-term, it's this ongoing expectation of the rate cut - that's been looming out there for months but hasn't happened - which CAN keep propelling the stock market to higher highs. It's already hit all-time highs here recently. You can make the CASE that stocks should keep floating higher from here… based on that premise. Before we look at real estate & inflation. Understand this. Inflation has already widened the divide between the affluent and the deprived. That divide has gone from a gully to a canyon. But... my gosh! Here's the stat that I want to share with you. And you're really going to get a sense for the gravity of what you're living through this decade. We've already seen more inflation in the first 51 months of the 2020s decade than in the ENTIRE decade of the 2010s. Already. This gets really interesting. Let's look at about the last four decades here. Alright, in the 1990s decade, America had 34% cumulative inflation. Let's go ahead and… we'll associate this decade with President Bill Clinton. We won't tie any President to the inflation number because there are lag effects and other factors. A President really can't take the credit or blame, in most cases. Just marking the era here. So, 34% inflation in the 1990s. The 2000s decade saw the GFC and… 29% inflation. Most of those were George W. Bush years. The 2010s decade saw lower inflation → Just 19%. So that's under 2% a year. These were mostly the Obama years here in the 2010s. Little flex there from the former Commander in Chief. Then the 2020s decade → have seen, like I alluded to, and under Joseph Robinette Biden, Jr. - yes, as the oldest sitting president ever, it's easy to forget that he's a “junior. In this young 2020s decade, we have, 21% cumulative inflation. Already. So this figure is after just the first 51 months of this decade, if we're counting from 2020… and this is largely due to supply shortages from the COVID pandemic. So 21% ALREADY this decade… and just 19% ALLLL of last decade which was a full decade. That's the impact. That's reflective of what you see in home prices and rent prices and utilities, transportation, labor, and almost every facet of your life.… and what you see in your weekly Costco bill and Trader Joe's bill. Who have we left out here? A one-term president, so far? Does somebody feel left out. Yes, that is the actual person of one Donald John Trump. Psssshhh! All of those figures I cited are from the BLS, and I've been rounding to nearest whole percent. But get this! Inflation over the next forty years could make the LAST 40 years seem like a picnic. That's partly because we're $35T in debt and that figure now grows by $1T every single quarter… every 90 to 100 days. So we MUST keep dollar-printing to help pay it back. But just, if the last forty years repeats itself, by the year 2064, which is the next forty years, we'll see these prices. Prepare for a future that looks like this: Gas at $13.38 per gallon The home price at $1.88 million Average rent at $59,000 per year And the average salary at $104,000 That is if inflation over the next 40 years, looks like that last 40 years. Also, note how salaries don't keep pace with prices. That $104K average salary in the year 2064 doesn't sound as high-flying as those other figures. Well, this is all really frustrating for consumers… and even debilitating to one's standard of living. Remember, this latest wave of inflation brought us the biggest YOY increase in homelessness - based on HUD figures. and why you need to invest in something that reliably BENEFITS from inflation and pays you an income at the same time. Look, here's really, the deal. Dollars are abundant. So then isn't it a paradox that a major spike in the supply of dollars would create more homelessness? Well, you know that dollars are there for your taking - because so many more have been brought into existence. Dollars are abundant. So as they cycle through the economy, rather than going through the consumer motions, you can build your diverter. That's where the world of abundance exists, so get into that flow. Ultimately, REAL capital is scarce. Your time and energy are scarce. Natural resources are scarce. Labor is scarce. What's frustrating is that money ought to reflect that scarcity if it is going to accurately convey the value that enables people to make capital accumulation decisions. And alas, we're doing our measuring in dollars and the dollar is not remotely scarce. The middle class and poor often have wages that don't track inflation, yet they disproportionately suffer the higher consumer prices. The investor class owns assets that float up with inflation. And GRE listeners will do even better than that. As income property owners with mortgages, we're winning three ways at the same time with the Inflation Triple Crown. That's your dollar diverter. Alright, so that's longer-term inflation. I've been talking in terms of decades - both the past and with an extrapolation into the future to 2064 there - and it's really rather sobering. Well, what's the more CURRENT inflation situation? The situationship? Ha! What's the situationship now? In trying to quiet it down to their 2% target, the Fed has run into so many hurdles that you'd think they were training for this summer's Olympics in Paris. After it peaked over 9% two full years ago now, inflation's been bouncing near 3-and-a-half-percent for a year and they just keep having trouble getting it lower than that. Hmmm... would we say that this could turn into Jerome Powell's three-quarters life crisis? We'll see. Rising inflation is one of the key factors that brought down the Roman Empire. They famously experienced hyperinflation after a series of emperors lowered the silver content of their currency, called the denarius. Today, some lament that the dollar isn't backed by gold, silver, or anything else. But it is. It's backed by the world's most powerful military, strongest economy, reserve currency status, international trade agreements, and you also… must pay your taxes in dollars. Dollars are still liquid and useful… but perpetually debased, so get them and then transition out of them. Yet, at the same time, we're also the greatest debtor nation in world history. The easiest way to pay it all back is to simply print more and inflate more. So that's why it's almost inevitable that dollars will keep being worth less... and BTW, the two words “worth less” sound awfully close to the word “worthless”. Ha! That's where we keep heading. Until you can send a Venmo request to the Fed to compensate you for your loss in purchasing power, we need to actually do something about this. And the dollar that you had when you started listening to me today could very well now only be worth 99 cents. Ha! We can either have our standard of living degraded by inflation or we will decide to profit from it. So, if you haven't yet, check out GetRichEducation.com/TripleCrown. Rather than impoverish you, learn how you can make inflation CREATE wealth for you three ways at the same time with that free, 3-part Inflation Triple Crown video series. Good learning there. It's free & easy to watch, again, at GetRichEducation.com/TripleCrown Inflation seemingly seeps into everything. Inflation took down the commercial sector - Apt buildings & offices. Apts are down 30-40% in the last two years. It's all because inflation made the Fed panic and jack up those rates. If that's not jaw-dropping enough. Office values are down 80%+ in the last two years. 80%+, 90%+ in some cases. Of course, office RE got the double-whammy of the inflation-induced interest rate hikes AND the Work-From-Anywhere movement. That leaves residential 1-4 unit properties in good standing - and still impacted by inflation, but LESS impacted by inflation. Yeah, your 1-4 unit RENTS are up - and I'll talk more about rent later in the show today. inflation also jacked up your expenses like insurance, utilities, maintenance & repair cost and more. But as we move away from the inflation conversation now, of course, one big reason that 1-4s have stayed resilient is the American privilege of LTFIRD - and the fact that it's 30 years for most US properties. In fact, in 2022, 89% of homebuyers applied for the 30-year. I think that you're about to get more appreciation for this… perhaps than you've ever had. The 30-year FRM is a UNIQUELY American construct. And, BTW, some people don't seem to know what the word “unique” means. You've probably heard people misusing this word all the time. Unique does not mean something that's sort of different. Unique means “ONE of a kind”. Unique means something that does not exist ANYWHERE else. What do I do here on this show? Besides giving you the occasional geography lesson as a side dish to your real estate, I do this with vocabulary, grammar, and syntax as well, don't I? Even though my own is surely imperfect. Anyway, the reason that the 30-year mortgage can exist is due to our deep financial markets - especially our secondary market for mortgage-backed securities, where your loan gets packaged up and purchased by a bond investor - a bit like Ridge Lending Group President Caeli Ridge & I touched on last week. The reason that mortgage-backed securities are attractive to investors in the U.S. and across the globe is because their government sponsorship makes them safe investments over long periods of time. They also provide a fixed payout to the MBS holder. And see, the rate on the 30-year fixed-rate mortgage tracks closely to 10-year Treasurys because “U.S. real estate is almost as good an investment as a U.S. Treasury bond.” They've got Fannie & Freddie insurance. And that entire MBS process now has more guardrails in it than we had before the Global Financial Crisis. We're talking about the foundation here - really - of where you get your big lumps of money from - the 30-year FRM and its uniqueness. Compared to the world, the US has very little variable rate debt. Less than 4% of American mortgage borrowers have debt that's on rate terms of a year or less. Over 96% of US debt is LTFRD, defined as 10 years or more. That is virtually unparalleled worldwide. To compare us to some other developed nations, mortgage borrowers in Germany - just 47% of them have long-term fixed debt - and none of them can get 30-year debt. Long-term debt, again, defined as ten years or more, Is little to ZILCH for mortgage borrowers in Canada, the UK, Ireland, Italy, Sweden, Finland, Australia, and other developed nations like them. In Canada, the most common mortgage terms reset to the prevailing market interest rate every five years. In Finland, their mortgages reset annually or faster. Gosh, can you imagine if your mortgage rate reset every year like it does for the Finns? Sheesh, that's more often than some people lose the remote control or rearrange their furniture. OK. So what's this really mean? Ya gotta… pour one out for most mortgage borrowers in the rest of the world. They can't lock in their mortgage interest rate for the long-term. So with rates doubling or tripling, starting from 3 years ago, it's totally ruined a lot of foreign homeowners. Look, what if you're middle class and your monthly mortgage payment soars from $1,893 on Tuesday up to $3,415 on Wednesday? That's what's happening elsewhere. It can go up 50% overnight and nearly double overnight in Australia, Europe and elsewhere. But in the mortgage-advantaged US, we're safe. If we buy at an 8% mortgage rate on a 30-year fixed amortizing loan today—just the plain, vanilla loan: If rates rise to 10% later, you're happy to be locked-in at 8% If rates fall to 6% later, you'll refinance Note that I refrain from saying "just refinance". I don't like the word "just". You'll still need hours to provide documentation and your credit score will be checked. But it's worth it. You won't “just refinance”. Ha! You'll refinance. So think of it this way then, you can alter your deal with the bank whenever you want—and usually with no prepayment penalty. Yet the bank can't alter it on you. What did Darth Vader say to Lando Calrissian in the “Empire Strikes Back?”. I am altering the deal, pray that I don't alter it any further. Ha! We better not play that clip here. I don't know the copyright laws with LucasFilm or Disney there. Ha! But you're not a dark lord of the Sith for doing it… for altering the deal on the bank. You're playing within the rules. This is almost an unfair advantage for Americans. The bottom line here - with this unique American advantage, is that, as rates change, you get to play both sides of the game. And that's why we add smart properties with loans. We turn that into wealth, with compound LEVERAGE. Now, mere compound interest, that's a vehicle for you to rely on more for your shorter-term funds, your cash or what you're keeping more liquid. Long-term wealth is build through compound LEVERAGE. Short-term funds - that's for compound INTEREST. And… your bank is getting rich off of YOU. The national average bank account pays less than 1% on your savings. If your money isn't making about 4-5% today, you're losing your hard-earned cash to inflation. What I do, is keep my dollars in a private LIQUIDITY FUND. You can do this too. Your cash generates up to an 8% return with—COMPOUND INTEREST—year in and year out instead of earning less than 1% sitting in your bank account - or even 4-5% elsewhere. The minimum investment is just $25K. You keep getting paid until you decide you want your money back. This private LIQUIDITY FUND has a decade-plus track record - and they've always paid their investors 100% in full and on time. I would know… because, I'm an investor with them myself. See what it feels like to earn 8%. A lot of other GRE listeners are. To learn more, just text the word FAMILY to 66866 to learn more about Freedom Family Investments' LIQUIDITY FUND. Get 8% interest! Just do it right now, while you're thinking about it. Text FAMILY to 66866. More straight ahead, including what's happening with rents. I'm Keith Weinhold. You're listening to Get Rich Education. _____________ Welcome back… you're listening to Episode 503 of Get Rich Education. I'm your host, Keith Weinhold. We've got a poll result, from our Get Rich Education Instagram Page. The poll question was simple. “When buying property, what's more important?” The purchase price or the mortgage rate. 71% of you said the purchase price. 29% of you said the mortgage rate. Of course, both are important, but I think that the PURCHASE PRICE is the best answer - because your purchase price stays fixed for the life of your ownership period, and you can CHANGE your fixed mortgage rate and make it malleable… whenever it suits your needs. As we talk about where the OPPORTUNITY is today, though multifamily apartments are going to bottom out sometime and therefore, at some point, they'll make a wise investment - who REALLY knows - maybe the time for larger apartments is now… … one opportunity is… giving good people OPTIONS during a housing affordability crisis. And what's going on right now is that… let me put it this way… when people have a hard time affording their own home today, basically (ha!) people are having a hard time transitioning from resenting their landlord to bickering with an HOA. Ha! That's kind of how the world works. Seemingly everyone would rather be bickering with an HOA rather than resenting their landlord. A lot of renters want to be buyers… they can't… and that isn't expected to change anytime soon… as prices will likely stay elevated… and mortgage rates are staying higher, longer too. These things are ALMOST “knowns”. It's often wise… to invest in trends that are known. Nothing's completely predictable, but when you're looking for a place to park your investment dollars, a few other things… are known… right now. And AI is not expected to change what I'm about to tell you… anytime soon. VR - virtual reality is not about to change what I'm about to tell you anytime soon. AR - augmented reality isn't either. Machine learning won't imminently disrupt this. And that is, that… everyone expects more long-term inflation. At what rate, no one knows. People will need to live somewhere… and there are not enough places to live. Those three facts, right there, are so simple. I love simple. Ha! One reason I love simple things is that I can remember it. So many investors - investors in all types of things, say, from tech EFTs to junior mining stocks to crypto - you can make money there. But, at times, investors will unnecessarily go out on the risk curve and GUESS and speculate… at a future trend. Some are right. They're often wrong, and adopting too much of that approach… that's exactly when your risk-adjusted return goes down throughout your investor life. Instead, you can get great returns - real estate pays 5 ways-type of returns - in these trends that I just described that are near certainties. Why guess? When instead, you can almost be certain. Often times, the certain thing is right… there. It's often easier, like I think I brought up on the show once before, inspired by Jeff Bezos - don't ask what will change in 10 years. The more insightful question and profitable question that fewer people think to ask is actually - “What will be the SAME in ten years?” Well, when we talk about rents and the fact that tenants WILL keep paying you to live somewhere ten years from now, the trend that's taking place here in the mid-20s decade - here in the mid 2020s, is that… Rents are increasing the most where there hasn't been enough new supply added - up 5-6% in parts of the Northeast including New York and Boston - Seattle too… and parts of the Midwest. Detroit and Honolulu rents are each up about 5%. Rents are decreasing the least, and even declined - where they've added lots of new supply recently, like Austin, Texas and Miami, where they're down 3% or more in each. New Orleans is another major city that's down - at minus 1%. But among the larger cities, Austin, Texas is the WORST performer in the nation right now. If you're listening to this either this week or you're listening to this ten years from today, if you want to know future rent trends, look at where they're adding supply. Especially in apartments. But all these new apartments will fill up and nationally, they're building fewer apartments this year than last year's apartment-building boom. When we talk about rents and who owns SINGLE-FAMILY HOMES, there are a few myths that I want to help bust for you here. There seems to be this misconception or misinformation that GIANT Wall Street firms are buying up all the SFRs. That's just not true. Now, there is more participation from the big firms than there has been historically, but those that own 1 to 9 SFRs… which is our definition of mom & pop investors here… constitute 80% of the SFR market. 80% own one to nine units. Now, you might own more than 9. In fact, 14% are in that next tier up, owning 10 to 99 SFRs. Then 3% - known as small national investors own between a hundred and a thousand. And, what's left, the big institutional investors - those that own 1,000+ SFRs - and you've heard of some of these companies - Invitation Homes, and another is American Homes 4 Rent. Progress Residential, Blackstone, First Key Homes - all those big players own just 3% of the market. So again, 80% are the small ones - the mom & pops… a highly fractured market. There are a total of 82 million SFHs in the United States. Out of all of them, do you have any idea what percent are OOed and how many are rentals? It's 83% OOed and 17% of the single-families are rentals. So about one-sixth of SFHs are rented out. Now, here's the thing. Some people tend to think of mom and pop single-family rental operators as unsophisticated charity case workers who never raise rents. That's part of the perception out there. But that narrative has never really been true, and, in fact, the COO of American Homes 4 Rent - his name's Bryan Smith - recently brought up this key point on their recent earnings call. He said that while historically mom and pops hadn't always priced directly to market because of a lack of market data, "they've migrated into a strategy that's closer to ours." How is this and why is this? Anymore, why ARE mom & pops raising rents just about as aggressively as the big institutional players. It's really increased transparency on the rents that landlords are asking… through internet listing sites like Zillow. It's not that mom and pops didn't increase rents before. (I mean… just look at what happened with rising rents in the 1970s and 80s before institutions were in the sector.) But when there's a lack of rent amount transparency, it takes longer for operators to discover and adjust to market pricing-- especially for smaller players in a deeply fragmented market. That's the part that's changing. But see, increased transparency works both ways. It's good for you and bad for you as a property investor. This information helps tenants too. In upswing markets, operators may push rents faster than they would otherwise. But in a downswing market, operators may cut or keep rents flat faster in order to lease the unit. Because tenants can easily see what other LLs are charging and compare features. When you price too high, units sit vacant and generate no income. Since renters benefit from increased transparency too, if they see two similar homes, they're usually picking the better deal. And increased transparency is why NEW lease rent growth is cooling off. In fact, CoreLogic just released their latest SF Rent Index report last week. It showed that, nationally rents are up 3.4%, which coincidentally, happens to be the same as the latest CPI inflation number. Detached properties are seeing more rent growth than ATTACHED ones - like townhomes. If you think about it, that makes sense. Townhomes are in less demand now. Because the homeownership dream, is when one moves out of the apartment & buys a detached house. And since that's so unaffordable to buy here in the 2020s decade, that's why more people are willing to pay more for to rent the detached type. Note that SFR rent growth has moderated since mortgage rates spiked-- further dispelling the sticky myth that rents boom when home sales fall. Remember - when homes price growth is really hot - like it was in 2021 and 2022 - near 15% - rent growth tends to be hot too. It was ALSO near 15%. And when home price growth is moderate, like it is now, well, rent price growth is moderate too. Prices and rents move together. They're POSITIVELY correlated. Some people think they move inversely… and we're looking at history over hunches again - what REALLY happens here. So though you're almost certainly going to get nominal rent growth over time, it's not a good thing for you to count on it in the short-term - it NEVER is, in any era. The time for you to push rents is, of course, in any market, when you go for NEW leases. A new lease with a new tenant is going to be higher than a renewal lease. It's the ol' - this has been a good tenant for three years, so I don't want to push the rent too hard & lose them. To review what you've learned today, inflation is affecting ALL of your investments, 30-year FRMs are a UNIQUE American advantage… …it's wise to invest in future trends that are KNOWN, if you want to know what is going to happen with rents in the near future, look where they've added supply. Less new supply correlates with more rent growth… and large institutional investors own just 3% of SFRs. If you enjoy the show, please, tell a friend about it. Isaiah on LI had the most flattering comment. Over there, he wrote and called GRE “The best podcast on the planet.” I… really don't think that I can take credit for that, though… I'd like to think we're a good resource for building your wealth through REI and regularly informing you, giving you ideas that you've never thought about before that add real value to your life. You've heard of Bidenomics. The first portmanteau type that I ever heard about a President's economic policies is REAGANomics, though it was a little before my time. Here on the show next week, with us, will be none other than “The Father of Reaganomics”. Yes, late President RONALD REAGAN'S Budget Director will be here next week. Basically, he was Reagan's “Money Guy”. His name is David Stockman and he often met with the President in the Oval Office, advising Reagan on economic affairs. I have asked David Stockman, if besides talking about the condition of today's economy next week, he'll also discuss real estate - and he agreed to do so. That's “The Father of Reaganomics”. You can look forward to he & I together next week here on the show. You might be one of the listeners that's been here every single week since 2014 - just like I've been here for you. A new podcast is published every Monday. If you want more our DQYD E-mail Letter is published and sent about weekly, that's typically been on Thursdays lately. Then, there are many new videos published each month over on our Get Rich Education YouTube Channel. Those are the main three places that you can find us. Until next week, if you enjoy listening, I really appreciate if you would told a friend about the Get Rich Education Podcast. Until then, I'm your host, KW. Don't Quit Your Daydream!
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