Podcasts about midwest

This episode of The Rizzuto Show is what happens when a comedy podcast accidentally stumbles into medical territory and refuses to turn back. One minute we're solving world problems (obviously), and the next we're deep into a CDC-level discussion about Shigella, antibiotic resistance, and a brand-new nightmare fuel lovingly dubbed “Man-Coli.”Yes, it's as bad as it sounds.The gang breaks down how this bacteria is evolving into something way harder to treat, why it's suddenly hitting grown men harder than anyone else, and what symptoms might make you reconsider every life decision you've ever made. Spoiler: if you're googling your stool color mid-episode… you're already in too deep.Naturally, this spirals into a full-on breakdown of the Bristol Stool Chart, because nothing says “morning radio professionals” like rating your digestive output live on-air. Somewhere between discussing travel poops, Z-Pack overuse, and why your body betrays you on vacation, we also uncover one of the most bizarre celebrity death stories of all time — the final moments of Elvis Presley.And yes… it involves a bathroom.But don't worry, this comedy podcast doesn't stay responsible for long. We pivot hard into topics like:A Xanax recall that might mess with your brain timingTornado sirens and Midwest dad survival instinctsA woman casually winning $1 MILLION on a scratcherAnd why your tax refund is definitely (not) meant for gamblingIt's chaotic, it's gross, it's weirdly informative, and it's exactly what you signed up for with a comedy podcast that treats serious topics with the absolute least amount of seriousness possible.Proceed with caution… and maybe wash your hands.Follow The Rizzuto Show → https://linktr.ee/rizzshow for more from your favorite daily comedy show.Connect with The Rizzuto Show Comedy Podcast online → https://1057thepoint.com/RizzShow.Hear The Rizz Show daily on the radio at 105.7 The Point | Hubbard Radio in St. Louis, MO.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Dangerous tornadoes rip across Midwest; Jury finds concert giant Live Nation acted as an illegal monopoly; First images of U.S. blockade of Iran; and more on tonight's broadcast. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Welcome back, it's a brand new day because that's how time works. It's definitely not the same day, as you can see from Meagan's cool new way of sitting and Lindy's fresh new ‘do. In today's Whatcha Watchin',

Welcome back to The Rizzuto Show, your favorite daily comedy podcast where absolutely nothing stays on track — including today's weather, relationships, or basic human logic.We kick things off with a very St. Louis situation: “Hey, enjoy your morning… but also, maybe prepare for hail, tornadoes, and general chaos after 2PM.” The crew debates storm anxiety, Midwest weather logic, and why Lern is emotionally unwell for absolutely no clear reason. Standard Wednesday energy.Then we get into one of the most important life moments of our time: the promposal. Rizz's son pulls off a full-blown “National Signing Day”-style ask, complete with props, planning, and just enough teenage confusion to make it perfect. Meanwhile, the rest of the show realizes they are officially ancient after discovering kids don't do limos anymore. That's right — RIP to rolling up to prom like a budget celebrity.From there, we take a nostalgic detour through school memories that instantly date you — overhead projectors, Oregon Trail deaths, folded notes, and the absolute chaos of gym class games that would 100% get banned today. If you've ever been hit with a dodgeball or emotionally damaged by Red Rover, this is your moment.But don't get too comfortable — because things take a turn. Rizz shares a real-life situation involving a friend who may be getting catfished HARD. We're talking no video calls, “out of state,” and “I love you” already. The crew debates whether to intervene or just let this trainwreck roll… and honestly, it's as uncomfortable as it is hilarious.Oh, and just when you think it can't get worse? We hit you with a story about a doctor who removed the WRONG ORGAN. Not a typo. Not a joke. Just pure nightmare fuel.So yeah… weather threats, teenage romance, internet scams, and medical horror stories — all wrapped into one beautifully chaotic daily comedy podcast. You're welcome.Follow The Rizzuto Show → linktr.ee/rizzshow for more from your favorite daily comedy show.Connect with The Rizzuto Show Comedy Podcast online → 1057thepoint.com/RizzShow.Hear The Rizz Show daily on the radio at 105.7 The Point | Hubbard Radio in St. Louis, MO.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Massive tornadoes tear across Midwest; Husband of missing woman in Bahamas speaks out after release; New Swalwell accuser speaks out after he resigns from Congress; and more on tonight's broadcast. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

041526 Part 1 Midwest Melissa NEW AI Jesus And& How To Opt out of Spying by Kate Dalley

Monster storms, devastating tornadoes rip through the plains and Midwest. New accusations against Eric Swalwell. A woman saying he choked and raped her. And our exclusive interview with two of his accusers, breaking their silence for the first time. And, first on CBS, our interview with the husband of that American woman who has been missing for more than a week. To learn more about listener data and our privacy practices visit: https://www.audacyinc.com/privacy-policy Learn more about your ad choices. Visit https://podcastchoices.com/adchoices

There are normal hobbies… and then there's strapping a motor to your back, sprinting into a field, and casually flying over St. Louis like it's no big deal.In this episode of The Rizzuto Show — your favorite barely-responsible comedy podcast — the crew welcomes Bobby Sutherland, a paramotor instructor who makes flying sound like a relaxing Sunday drive… except you're 1,000 feet above farmland with a two-stroke engine humming behind you.We kick things off the only way we know how: chaotic birthday wishes and immediate skepticism. Because when someone says, “Yeah, I just run into the sky,” the natural response is, “Cool cool cool… but also, what's wrong with you?”Bobby breaks down everything: what a paramotor actually is (spoiler: not quite a parachute, not quite a lawnmower… but definitely both vibes), how you can legally fly without a pilot's license, and why the FAA basically gave this hobby a one-page rulebook and said, “Try not to hit anything important.”The guys dig into the real questions:What happens if the engine dies mid-air?Can you fly over the Arch? (legally…-ish)How much does it cost to live your Top Gun fantasy… but Midwest edition?And most importantly: can you stop mid-flight for snacks?Somewhere along the way, Moon realizes this is exactly the kind of hobby that would completely derail his life, Rafe starts planning a van-life paramotor tour, and Rizz is about five minutes away from booking a tandem flight before the segment even ends.It's equal parts fascinating, ridiculous, and dangerously convincing — exactly what you expect from a comedy podcast that turns every conversation into a potential life decision.Also: yes, Tinder dates come up. And yes, they are somehow involved in flying.If you like weird hobbies, questionable decisions, and learning just enough to be tempted into doing something you probably shouldn't — welcome to another episode of your favorite comedy podcast.Follow The Rizzuto Show → https://linktr.ee/rizzshowConnect with The Rizzuto Show Comedy Podcast online → https://1057thepoint.com/RizzShowHear The Rizz Show daily on the radio at 105.7 The Point | Hubbard Radio in St. Louis, MO.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Daniel and Eddie recap their recent tour with stories of backstage laundry, bad restaurants, and baseball games.  Join our Patreon for exclusive content: http://patreon.com/toshshow

The US is working to coordinate another round of talks with Iran, as Israel and Lebanon prepare to meet for the first time in decades. A woman who accused Rep. Eric Swalwell of sexual misconduct spoke with CNN. An upcoming special election in Virginia could shake up the state's congressional map. The Royal Bahamas Police Force has released an American questioned in connection with the disappearance of his wife at sea. Plus, severe storms are pummeling the Midwest. Learn more about your ad choices. Visit podcastchoices.com/adchoices

This week we learn to live life, let go, and be ourselves or whatever it is Chappell Roan is singing about in her album The Rise and Fall of a Midwest Princess, released Sept. 22, 2023. Tim is back from the Pink Pony Club and we need to talk about it.  In this episode we discuss Tim's new intern hire and other mistakes he has made recently, why we keep making this show, Mel Tormet, eating crow (not literally this time), vampires, donkeys or alpacas which are better, hideous hands and feet, how kaleidoscopes work, Victorian haunted dolls, and so much more! Hatepod.com | TW: @AlbumHatePod | IG: @hatePod | hatePodMail@gmail.com  Episode Outline: Top of the show "Do you hate it?" Personal History History of Artist  General Thoughts  Song by Song - What do they mean!?! How Did it Do Reviews Post Episode "Do you hate it?"

Years ago my Dad and I walked the Camino de Santiago, one of the worlds most spiritual pilgrimages stretching across Portugal and Spain. Somewhere along that journey, he shared a line that has stayed with me ever since:“Humans are made to move…and we move through things.”I found myself coming back to that thought last week, driving along Midwest highways with Todd Blackledge. And after watching the reigning national champion Indiana Hoosiers in spring practice, it hit me even deeper.It's time we move through the idea that Indiana is just a great story.They're not.They're a legitimate national title contender. Again.Welcome to today's Y-Option: College Football with Yogi Roth podcast, fueled by our founding sponsor 76, keeping you on the GO GO GO so you never miss a beat.Todd and I spent time at Hoosiers spring practice, and one thing was undeniable — this program is taking its next natural step.What does that look like after an undefeated season?* Competitive depth across the roster* More imposing, developed bodies along the defensive line* Big portal additions at key spots* Staff continuity + a key familiar face returns* A standard that hasn't flinched, even after reaching the mountaintopThat last part matters most. The standard hasn't changed. And that's why this isn't a two-year flash.If you want to revisit it, tap back into my conversation with Curt Cignetti and Rhett Kleinschmidt earlier this offseason. The blueprint has been there.Today's episode also marks the first installment of our new series:Y-Option: Coast to CoastA journey across the country with Todd and I, diving into spring football, sitting in meeting rooms, watching practice, and then stepping back to share what it all means.Because if you're willing to move…you might start to see things a little differently.As always — much love and stay steady.YogiY-Option: College Football with Yogi Roth is a reader-supported publication. To receive new posts and support my work, consider becoming a free or paid subscriber. This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit www.y-option.com/subscribe

A new documentary, 'Kamal's,' follows a Muslim chef and his Catholic wife as they build a life together in Grinnell, blending Middle Eastern traditions with Midwestern ingredients. We talk with filmmaker Nich Perez, along with Kamal Hammouda and Laura Fendt, the couple at the heart of the film and co-founders of The Iowa Kitchen. Later in the episode, April is National Poetry Month, and Iowa poets are reaching audiences far beyond the Midwest.

In this week's episode of Reformed Journal Podcast, Rose Postma talks with Alex Mouw about his poem “My Lord Beige and Bubble Wrapped.” Alex is the author of the poetry collection The Unbelieving Yelp of Prey (Texas Review Press 2026), an examination of faith and ecology in the Midwest. His interests revolve around nature writing, devotional poetics, and the exchange between formal and free verse traditions. Raised in Michigan, Alex earned an undergraduate degree at Hope College, an MFA at Purdue University, and a PhD at Washington University in St. Louis. His poems appear in The Massachusetts Review, The Southern Review, West Branch, and other literary magazines. His academic work on poetry, religion, and American culture appears in Twentieth-Century Literature, African American Review, and other peer-reviewed publications. His writing has received awards and support from America Magazine, Phoebe Journal, Vassar College, the University of Minnesota, and other institutions. Alex has worked as a visiting assistant professor at Hope College, a Lynne Cooper Harvey Fellow in American Studies at Washington University, an editor, and a writing tutor. Currently an assistant professor of English at Samford University, he lives in Birmingham, Alabama with his wife and two children.

David Bock, associate vice president, head of Midwest and West Public D&O for Nationwide's commercial liability team, discusses how micro- and small-cap public companies differ from larger public companies in risk profile, claims activity and governance structure.

In the woods of Kirtland, Ohio there is said to be a pack of feral children with misshapen heads who feed on babies. How people created monsters in the Midwest.Strange and Unexplained is a podcast from Grab Bag Collab & Three Goose Entertainment and is a journey into the uncomfortable and the unknowable that will leave you both laughing and sleeping with the lights on. You can get early and ad-free episodes and much more over at www.grabbagcollab.comFollow us on Instagram

Keith explores how long-running social and economic shifts are redefining the American Dream—especially for younger adults who are putting off milestones like moving out, starting families, and buying homes.  He connects these trends to today's housing scarcity, elongated renter stage, and what that means for long-term rental demand and real estate investors. Keith also zooms out to place the current moment in the sweep of American history, then welcomes Redfin Chief Economist Dr. Daryl Fairweather for a data-driven conversation on affordability, supply constraints, renting versus owning, and how demographic changes could shape the next wave of opportunities in both ownership and rental markets. Episode Page: GetRichEducation.com/601 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  For predictable 10-12% quarterly returns, visit FreedomFamilyInvestments.com/GRE or text  FAMILY to 66866  Unlock truly passive real estate income—visit flockhomes.com/GRE today to see if your properties qualify for a 721 exchange with Flock Homes. Will you please leave a review for the show? I'd be grateful. Search "how to leave an Apple Podcasts review"  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— GREletter.com  Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Keith Weinhold  0:01   welcome to GRE I'm your host. Keith Weinhold, learn just how far behind today's 30 year olds are then American history by decade as the nation approaches its 250th birthday. Finally, a conversation about what's next for the housing market with Redfin's chief economist Darrell fairweather today on get rich education.   Corey Coates  0:27   Since 2014 the powerful get rich education podcast has created more passive income for people than nearly any other show in the world. This show teaches you how to earn strong returns from passive real estate investing in the best markets without losing your time being a flipper or landlord. Show Host Keith Weinhold writes for both Forbes and Rich Dad advisors and delivers a new show every week since 2014 there's been millions of listener downloads of 188 world nations. He has a list show guests include top selling personal finance author Robert Kiyosaki, get rich education can be heard on every podcast platform, plus it has its own dedicated Apple and Android. Listener phone apps build wealth on the go with the get rich education podcast. Sign up now for the get rich education podcast, or visit get rich education.com   Keith Weinhold  1:10   the same place where I get my own mortgage loans is where you can get yours. Ridge lending group and MLS, 42056, they provided our listeners with more loans than anyone because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage. Start your prequel and even chat with President chailey Ridge personally, while it's on your mind, start at Ridge lending group.com that's Ridge lending group.com   Speaker 1  1:44   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  1:54   Welcome to get rich Education. I'm your host. Keith Weinhold, the voice of real estate investing since 2014 almost nobody talks about a really important story going on in America today. And I find this really astonishing. I mean, you could almost never think of America the same way again, as you'll hear while you've got these other headlines out there, constantly sucking oxygen out of the room, like decisions from the White House and inflation and wars. One big story. It moves so slowly that it kind of creeps up on you. It is the jaw dropping change in American society over the last 40 years. And then we'll discuss its seismic changes for real estate. And this is sourced from a Census Bureau supplement. It's about how fewer us adults reach typical life milestones by age 30, and this is partly because more adults opt for college than in previous generations. Oh, well, college doesn't sound like such a bad thing. I'll get to that. And by the way, 30 is an age that has come and gone for me, so I've lived through it. We're looking at a period from 1985 to 2025 so 40 years first, it's those that live on their own. In 1985 it was 83% today it's just 67% so then the percentage that don't live on their own and probably live with their parents or roommates, that has doubled. You see even more drastic declines for other milestones since 1985 those that have ever married from 77% down to 45% those that live with a child and the responsibility that this entails that's fallen from 59% down to 36% and those that own a home 48 down to 29% and again, this is for all 30 year olds since 1985 this steady, sliding, relentless decline of those who live on their own, are married, have a child, or own a home, is pretty stunning, and this is inside the most powerful nation on Earth. And here's the thing, this pattern from about 40 years ago, it unabatedly crosses through booms and busts and bubbles and bailouts, sort of like it didn't even notice those things. Somewhat ironically, what's grown during this time is the percentage that have a bachelor's degree. It's gone from 25 up to 43% so therefore, here we. Are. We've got this generation that's better educated than ever, and yet more of them are stuck down on the launch pad. It's like we built better rockets yet we can't light the fuse. And before I help you make sense of this and tell you what I believe the main force behind it to be, you just got to consider what an unfathomable aberration this has all become. At age 25 James Madison was the key architect of the US Constitution. A lot of constitution signers were in their 20s and 30s. At age 21 Steve Jobs started Apple in a garage at 20 Bill Gates co founded Microsoft at 19 Mark Zuckerberg built Facebook in a dorm room. And sure, some of these are exceptional examples, but these people committed early, and then they figured it out on the fly.   Keith Weinhold  5:59   Well, what about women? The US birth rate has hit an all time record low, because today, nearly half of 30 year old women are still child free. Okay, so some of this is logical. You can connect a few dots here more time in school, yeah, all right, that means later marriages and later kids. Sure, student debt that equals financial Gravity Boots that keep you in place. Urban living means smaller spaces. But when you stack all this together, like I just laid out later, it's not just later anymore. It is really later. That is the huge change that really startles you when you put all of this together and again, remember, over this same time span, 1985 to today, I've mentioned before how the average age of the first time homebuyer has ballooned from 29 up to 40. I mean 40 that can really take some time to sink in. And again, that's just the average in high cost housing areas. This number could be 45 or higher. I mean, sheesh, the starter home is now like a midlife purchase, and it's made right around the time that your back starts to make decisions for you, consider where we are here now, the term home ownership that is increasingly linked to older people. Those things home ownership and older people are increasingly synonymous terms. Now, owning a home, it's like a luxury good for the already established. I mean, it is pretty jaw dropping. And one contributor to these friends is the lack of available housing supply, still a 60 to 70% collapse in some populous northeast states, but really something like that. That's just a small thing. When you amalgamate it all together, it's become cultural really. The bigger trend that underlies this decline in meeting life milestones at age 30 is that long term true inflation exceeds wage increases over the decades, but there are big social shifts too. And by the way, I left my parents home for good at age 23 and some surely do so younger than I did marriage and children, they are the classic triggers to buy a house, and the longer that these type of milestones get postponed, the more likely people are to favor then flexibility over committing to a mortgage, and this then means that there is an elongated renter stage of life. Renters are no longer just passing through they're no longer just graduated from college, renting a year or two and then buying a home. Instead, they are planting flags and really pounding in stakes. And there are countless surveys that show that renters value the ability of being able to relocate without the hassle of having to sell a house. And on top of all of these trends as America ages overall, something really interesting starts to happen. This is why single family rentals have really begun to shine over the past few years, and why you had this Advent and popularity of new build and build to rent rental properties coming onto the market because single families give people the feeling of home and space and privacy and a backyard for the dog, but yet at the same time, it's commitment light, a lighter version. Now apartments benefit too, of course, and for investors, this isn't just. The trend, this is a long term tailwind, fewer life transitions. It means more stable occupancy and longer renter life cycles that lead to fewer turnovers and vacancies and repairs, so less churn, more consistency and better predictability. So the bottom line here is that this delay of life milestones, it's not subtle. It is pretty seismic, and increasingly people say that the American dream no longer even includes home ownership. Demography is destiny, and they must rent from you. And here at GRE we invest like these trends are real, but I really want to emphasize that this elongated renter stage of life really is a long term, long tail phenomenon. And I want to emphasize that because, like I said last week, in the short term, we really aren't seeing any significant rent increases due to that affordability constraint. Now we're nearly five years after America had a big wave of consumer inflation, and that really hurt kind of people this age that I'm talking about, people in their 20s and 30s, that really hurt them the most because they don't own assets that compound with the concurrent asset price inflation, they only had to deal with the bad stuff, the consumer price inflation.    Keith Weinhold  11:30   And as America approaches its 250th birthday, let's think about how this era compares to other decades. And by the way, do you know what a 250th anniversary is called? I put a line about this in my newsletter that I sent you the other day. It is called a semiquincentennial, or, I guess, semi quincentennial. I don't think that anyone's going to be using that word after the fireworks. Semiquincentennial. That sounds like a word that an Economic Committee came up with during a recession to kind of mask a worse problem or something. I suppose that the etymology makes sense. If you break it down, quincentennial would be 500 and semi would be half of 500 in any case, as you try to compare this American era to others, listen to this from the parallel truth. This is about three minutes long, and then I'll come back to comment. It's America by decade, starting all the way back in the 1770s This is a decent summary here, although it can get unnecessarily gloomy at times.   Speaker 2  12:41   Imagine you could live in the United States one decade at a time, not the America you see in movies, not the America in textbooks, but the real America. Let's start with the 1770s the decade of independence. This is not a freedom story, yet. It's a war story. Most people are farmers, roads are mud, medicine is almost nothing. And if you're a young man, your future is simple, fight or starve. Then came the 1800s The decade of expansion. America is still small, but it's hungry, new land, new states, New promises, but there is also growing slavery. Native tribes are being pushed out, and the country is quietly building a conflict it can't avoid. Now it's the 1860s the decade America almost died. There is civil war, Brother versus brother. Cities are burning. If you lived here, you didn't watch history, you survived it. Next is the 1900s The decade of industrial America, factories, railroads, steel, oil. The country becomes a machine. Cities explode with workers, but life is brutal, long hours, dirty air, child labor, you might earn money, but you will pay with your health. It's the 1920s now, the decade of jazz and madness. This is America's first big party decade, cars, radio, Hollywood. Everyone thinks the future is unstoppable. Then came the 1930s the decade the party ended. The Great Depression happens, banks collapse and jobs disappear. People line up for bread. A man with a suit could be broke in one week. This decade teaches America one lesson, that money is not real until it's in your hand. It's the 1940s now the decade America became the world's boss. World War Two turns the US into the world's factory. While Europe is burning, America is building. And when the war ends, America comes out richer than anyone in history. It's the 1950s the decade of the American dream, suburbs, big houses, one salary supports a whole family, TV dinners, new cars, new highways. This is the decade America sells the world the idea of perfect life. Next came 1960s the decade of rebellion, civil rights, Vietnam assassinations, the country feels like it's splitting. You could be hopeful or terrified, sometimes both in the same week, 1970s was the decade the system started breaking, oil crisis, inflation, crime rate, and in 1971 America quietly changes money forever. The dollar stops being backed by gold. From this point onward, America runs on trust. It. The 1980s the decade of Wall Street, America, big business, big spending. The stock market becomes religion. America looks confident again, but the middle class starts weakening slowly. Then came the 1990s the decade America felt unstoppable. The Soviet Union has collapsed and the US feels untouchable. The internet is born. This is the decade where Americans truly believe that they have won. It's the 2000s now the decade of shock, 911, wars, fear, surveillance, then 2008 hits, banks crash, housing collapses, and America learns something painful. The people who caused the crisis don't pay for it. It's the 2000s and 10s, the decade of the digital trap. Social media becomes reality, politics becomes war. Everyone is online, but nobody feels connected. The economy recovers, but normal people don't. And finally, it's the 2020s. The decade, chaos became normal. Pandemic changes everything. Supply chains are collapsing, inflation returns, AI arrives and trust collapses. And by 2026 America is still rich, but it feels exhausted. People are working harder, owning less, and trusting nobody. And the strangest part is that America didn't collapse. It just slowly became a different country, not through invasion, not through revolution, but through decades of small changes that added up to a completely new reality. So the real question is, if you could choose one decade to live in? Which one would you pick?   Keith Weinhold  16:22    Yeah, which decade would you pick to live in? A lot of people say the 1950s where we had, like they touched on there the post war boom and how one salary could support an entire household. Some people say the 1990s because the Cold War ended, we had the start of Wide Internet use, and it's before you had these stark political divisions where people started to put party ahead of country. Now some people would probably say, Are you kidding me? I'd rather live in this decade right here. I can work from home more easily than I ever could have before. And I think you can make valid cases for all of those things. And speaking of this era, a quarter just ended, and we do this quarterly at most. It's our asset class rundown. Year over year, national home prices are only up about half of 1% per the nar 1% Case Shiller and totality, single family rent index shows just 1.3% rent growth. That's year over year. This quarter, the s, p5 100 was down 5% stocks of all types are down largely to the Iran war. The yield on the 10 year treasury note rose from 4.1 up to 4.3% due to higher inflation expectations. Why does that matter so much? That's what influences 30 year mortgage rates, which also rose from 6.2 up to 6.5% West Texas Intermediate oil prices soared from 59 bucks to over 100 last quarter. Gold hit an all time high of 5400 bucks in the quarter, and then fell to about 4600 by the end of the quarter. Other precious metals hit their all time peak. Bitcoin fell from 88k down to 68k That's the asset class rundown. I'll return with Redfin's chief economist, Dr Darrell fairweather and more. I'm Keith Weinhold. You're listening to get rich education.    Keith Weinhold  18:18   Let me throw out a simple idea. Sometimes doing nothing with your money is actually a decision. Leaving it parked might feel safe, but over time, purchasing power changes. So the conversation isn't about chasing returns, it's about intentionally placing money somewhere. Freedom, family investments works in real estate people use every day. Housing, senior communities, essential properties, things tied to living and not trends. Their freedom notes offering is built for accredited investors looking for structured income backed by real assets, not speculation. I am an investor with them myself. The Freedom team makes themselves available to walk through their approach, structure and operating philosophy so you can ask questions and determine alignment before moving forward. While past performance doesn't guarantee future results, their historical operating philosophy has yielded 100% investor payouts backed by over 20 years of experience. If you want clarity before making any moves, book a clarity call@freedomfamilyinvestments.com or text family to 66 866, text the word family to 66 866,    Keith Weinhold  19:41   flock homes helps you retire from real estate and landlording, whether it's one problem, property or your whole portfolio through a 721, exchange, deferring your capital gains tax and depreciation recapture, it's a strategy long used by the ultra wealthy. Now. Mom and Pop landlords can 721, the residential real estate request your initial valuation, see if your properties qualify@flockhomes.com slash GRE, that's F, l, O, C, K, homes.com/gre.   Robert Helms  20:16   Everybody. It's Robert Helms of the real estate guys radio program, so glad you found Keith Weinhold and get rich education, don't quit your Daydream.   Keith Weinhold  20:35   This week's guest is the chief economist of Redfin during the housing crisis. She worked at the Boston Fed, studying why homeowners enter foreclosure. Since 2023 she served at the Federal Reserve Bank of Dallas. She holds her BS from MIT, and she really knows her way around campuses, because she received her Master's and PhD in Economics at the University of Chicago, where she specialized in behavioral economics, that's interesting. Welcome to GRE. Darrell fairweather,   Daryl Fairweather  21:06   thank you for having me.    Keith Weinhold  21:08   Hey, Daryl. I'd like to get to some of the statistics later in the things that Redfin does and compiles, but tell us about the behavioral side of the housing market that's often so interesting and evencounterintuitive   Daryl Fairweather  21:22   yeah, one of the most interesting things about the housing market is that people get really emotional when making this huge financial decision. It's something that people don't have a lot of practice with. Most people maybe buy a home once or twice in their whole life. There's so much social weight that's put on it. It's the American dream. There's a lot of family pressure, and there's a lot of hurting behavior that can happen. People get swept up in the moment. Maybe they overbid on a home, or maybe they miss out because other people are avoiding the housing market. So it's a really interesting place to both study psychology and economics.   Keith Weinhold  21:56   Sure, most homeowners are just inexperienced at this whole thing. Yeah, behavioral economics, it really has this strong gravity in real estate. Maybe something that you've said touches on what I call the Zestimate illusion. A lot of times, sellers anchor their price to not just the Zillow estimate, but sometimes even the peak sale price in the whole neighborhood, and that's what they think that they should get for their home?   Daryl Fairweather  22:21   Yeah, that does happen quite a bit. And I don't think a lot of people realize how much those estimates can move once a home is listed. The list price tends to move that estimate quite a lot. So it's not a fact. And those estimates don't really know many details about the home, like what upgrades might have happened, or what internally is happening within the home, like if people have gotten new appliances or gotten a new air conditioning system, it doesn't really take those things into account. So you shouldn't just anchor off of the Redfin estimate. You should definitely talk to an agent. Look at the comps. The comps can tell you a lot in terms of what homes have sold for recently, and then track your local market in terms of whether it is going up in value or down in value, because those comps might be a little bit stale, and you have to adjust for where the market is right now.   Keith Weinhold  23:06   There's some really good points there. And when I think of the behavioral side of economics in the real estate market, another nascent thing that comes to mind Darrell, is the rate shock paralysis that really set in in America in 2022 mortgage rates are still historically on the low side. But few people think about it that way. They're really swayed by the recency bias   Daryl Fairweather  23:31   yes. And one thing to take into account, though, is how much home prices have gone up since the last time rates were this high. So if you're looking at the monthly mortgage payment and how much that is compared to people's monthly incomes, it is quite expensive to buy a home. In most metros, you cannot afford to buy a home on the local median income. There's only maybe four metros that are in the middle of the country where it's still affordable to buy a home on a middle class salary. So combined the rate and the price those mortgage payments are still quite expensive, although they have gotten slightly more affordable since last year because rates are slightly lower than last year, they did come up a bit with, you know, oil prices coming up, but still, compared to last year, rates are a bit lower and a bit more affordable to get a home.   Keith Weinhold  24:13   And of course, all this is besides the point that those 2021, mortgage rates, they were born out of a collapsing economy, and I don't think that we really want that either. But yes, to your point about affordability, that's been such a buzzword in the housing market for quite a while, and for good reason. It wasn't very long ago that we reached a 40 year low in affordability. Can you tell us about what can improve affordability next? Darrell or what's most likely to happen? For example, it seems like insurance rate increases have really leveled off.   Daryl Fairweather  24:50   Yes, the reason why affordability is so bad, especially in coastal cities, the places that have the most opportunities, is because of a lack of supply. Existing homeowners, they are fine. They like when their home goes up in value, but it really is a problem for first time homebuyers, when prices just keep climbing and when new housing gets proposed, it's often the existing homeowners who are blocking that housing from getting built, and so supply is constrained. You can see this very clearly in a place like San Francisco, which had a huge economic boom in the 2010s yet housing did not keep up with all of the job opportunities that were coming to the area, and when you have all these people moving in with higher incomes, it drives up prices when there isn't adequate supply. You take Austin as another example. Austin had a huge boom during the pandemic, but supply responded. Builders built, there was a lot of development that happened, and as a result, prices came right back down. They're still above where they were pre pandemic, but nowhere near the heights that we saw back in 2021 so it just goes to show that when you allow supply to get built, it does help keep prices more moderate and keep things more affordable.   Keith Weinhold  25:59   Yes, and nimbyism is rampant, is consumer inflation or some of the other big forces out there, for sure, but yes, this national dearth of supply something that's existed even well before the pandemic, for example, it's bounced back somewhat, but still not quite enough, and it's really part of what, in my opinion, has helped support housing prices, even when mortgage rates tripled back in 2022 Can you tell us more what you believe about the future of housing supply with all the data that you do with there at Redfin Daryl,   Daryl Fairweather  26:37   housing supply improved a bit during the pandemic, but we're still far below What we need in order to make housing more accessible to middle class people. But there are new challenges that are coming. One that you mentioned is insurance. Insurance costs are going up. So even if you have a fixed rate mortgage and you've locked that in, you still have to worry about the rising cost of ownership because of insurance costs are going up. Property taxes are going up in many places, and maintenance costs are increasing. So that is going to make home ownership, and just the cost of ownership in general, whether you're an investor or an owner occupant, more expensive moving forward. And that's going to vary depending on where you are. There going to be some parts of the country where insurance goes up much faster, like in Florida, and other parts where insurance will probably be more stable like in the Midwest and Great Lakes region. So it's important now even more so to really research the neighborhood, research the home, and figure out how those expenses could increase in the future.   Keith Weinhold  27:32   Yeah, here we are in this housing market where, you know, Darrell, I think of it in a lot of ways, is, you know, maybe for three years now, we've largely been stuck in the mud, much of it due to lower supply, where we have a lower overall proportion of both buyers and sellers.   Daryl Fairweather  27:48   Yeah, what's happening right now is really an hangover from the pandemic, because so many people locked in 3% mortgage rates during the pandemic, and if those homeowners were to sell and buy again. Even if they bought the same priced home, they would end up paying more in their monthly mortgage payment because of how much higher mortgage rates are, and that's holding back supply quite significantly. It's the reason why prices have not come down despite rates going up, is because the higher rates are holding back both demand and supply at the same time, and contributing to the overall lack of inventory that's out there,   Keith Weinhold  28:24   this aberration where we have a big proportion of American homeowners living in homes where if they tried to repurchase that home at today's terms, they couldn't even do it. To your point about people not wanting to move, and that's a big reason why they almost can't. They might pay more in rent elsewhere for a like property if they were to sell what they own, if those still locked in terms and Darrell here, I think, you know, our audience is largely real estate investors, a lot of them investing in one to four unit properties. So with what you're seeing there at Redfin. And I think a lot of us know that, yeah, rent growth has been pretty slow as well. What do you see for rents in 2026 and perhaps 2027   Daryl Fairweather  29:08   originally, when we went to go do our predictions for 2026 we said that rents were going to increase this year. Now, I think that rents will continue to stay flat, and that's because there's still a lack of demand for for sale housing. People are staying in the rental market, but people are overall tightening their budgets because they're worried about the economy. They're worried about inflation. So if they can, you know, get roommates or live with family, they're going to choose to do that to keep their overall expenses lower, which will reduce demand for both for sale housing and for rental housing. And I think a lot of home sellers, they've tried to sell their homes. We saw many people try to sell their homes last year and then end up delisting their homes, and they're trying again. We saw more of those people come back in January, but I think those people are going to continue to kind of try to test the market, be a bit disappointed that there isn't enough demand, and then some of. Up for sale housing will end up as rental housing. Just driving around my neighborhood, I see so many rental signs on single family homes that I never saw before, almost more for rent signs, and I'm seeing for sale signs, so that added inventory from these accidental landlords who would like to move but don't want to give up their mortgage rate is going to increase the supply of single family rentals, and that will mean more competition for those investors that are trying to rent out the homes.   Keith Weinhold  30:27   Talk to us about rental occupancy. That's something that we're seeing at a historic low in apartment buildings, for one thing. But can you talk to us about what you see for future occupancy levels of both residential one to fours and apartments. Going forward,   Daryl Fairweather  30:43   a lot of new supply came online during the pandemic, especially in places that build a lot of condos. Many one bedroom or zero bedroom condos got built, and then those are really difficult to rent out, because, you know, they're just not that attractive. We really have more of a shortage of types of housing that's appropriate for families and those one bedroom units that are really targeted at like affluent young people. There aren't that many affluent people right now, so they're they're difficult to rent out. I think that trend is pretty much over. We're not seeing too many more condos being developed because the condos that were developed during the pandemic are still having trouble finding owners or finding renters in those apartment buildings. Now, I think we're going to start to see an uptick in single family rental vacancy, because I think a lot of those people who would like to sell their homes are having trouble selling their homes because of how mortgage rates are and how skittish people are about making a commitment to ownership right now, and they're going to alternatively try to rent out those and that will mean more availability of those rentals and not as much pressure on rents to go up in that segment of the market.   Keith Weinhold  31:51   Woe for the builder that targeted young, affluent types, they don't really exist so much anymore. That's really pretty interesting. Well, Darrell, do you have any last thoughts overall about the housing market? Maybe something I didn't think about asking you that's really important, whether that's for an investor or a prospective homeowner.    Daryl Fairweather  32:12   Yeah, I think if I was an investor right now, I would be paying attention to what economists and housing people call the silver tsunami that's older generations starting to sell their homes. We did a study recently that showed that people who are 70 years and above have as much wealth and housing as middle aged people, which is the first time that group has exceeded in terms of the wealth that they hold. And if you're 70 plus, there's definitely a clock ticking on how long you're going to stay in that home, which means that a lot of new inventory will become available in those homes. They probably need work. They probably need some renovations, and that could be a really great opportunity for an investor to buy a home that maybe has been neglected for a while because it's been a senior living in there who hasn't been really keeping it up to date. You can renovate it and perhaps sell it again to a younger buyer by doing some updates and make a nice profit there.    Speaker 3  33:03   Oh, well, Daryl, this has been a great update laced with plenty of practical things that someone can actually do. Do you have a resource you'd like to share in case our audience would like to connect?   Daryl Fairweather  33:16   Yes, you can find me basically on any social media channel. I'd recommend checking you out on YouTube to start. And then if you would like data on what's happening in your local housing market, you can check out the Redfin data center. Just Google Redfin data center, it'll bring you right there. And you can find lots of local data on your market,   Keith Weinhold  33:34   Daryl Fairweather. It's been great having you here on the show.   Daryl Fairweather  33:37    Thank you.   Keith Weinhold  33:44   Yeah, insightful material from Dr Darrell fairweather today, no end to the housing scarcity in sight. She says, rents continue to stay flat, partly due to this accidental landlord. They didn't plan to be a landlord, but they need to move and yet they don't want to sell the single family home that they got with a good owner occupied financing a few years ago. And the reason that's a headwind for single family investors, because it keeps more rental supply on the market. Last week, I touched on how you should not expect rent increases in the near term, I own a lot of single family rentals myself, and I am not getting rent increases. It's not so much that single family vacancies are high now, but apartment building vacancies are high. That fact alone that actually does hurt the single family rental market a little, because even though a renter might desire a single family, and maybe you think, Well, an apartment couldn't compete with that feeling. But yet, if an apartment is so much cheaper than the single family, and they often are now, well then that renter will go for the cheap apartment instead the one. You can think of Redfin is that they're part Zillow, part real estate agent, and part data company, and they can give you early signals on things like buyer demand and price direction and days on market, those types of indicators. So for the latest housing market research and news, you can do a search for the Redfin data center, and then for Daryl, start on YouTube. You can follow her on x at fairweather PhD, thanks to Dr Darrell fairweather today, until next week, I'm your host. Keith Weinhold, don't quit your Daydream.   Speaker 5  35:36   Nothing on this show should be considered specific, personal or professional advice. Please consult an appropriate tax, legal, real estate, financial or business professional for individualized advice. Opinions of guests are their own. Information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of get rich Education LLC, exclusively to   Keith Weinhold  35:56   the preceding program was brought to you by your home for wealth, building, get richeducation.com  

In this episode of Gangland Wire, I sit down with Salt Lake City author Flats to discuss his book, Ice Pick Willie: The Life and Times of Israel Alderman. We take a deep dive into the shadowy world of Israel “Icepick Willie” Alderman—a largely forgotten but deeply embedded figure in early 20th-century organized crime. Willie's criminal career traces back to Prohibition-era New York, where he began as a jewelry thief before evolving into something far more lethal. His nickname came from his preferred weapon: an ordinary household ice pick. In the 1920s, it was common, inconspicuous, and devastatingly effective. Flats explains how Willie's method allowed him to carry out murders quietly and efficiently, often avoiding the attention that accompanied more public gangland shootings. We follow Willie's movements from New York to Minneapolis and eventually into the orbit of Chicago's violent underworld. Along the way, he intersected with major figures of organized crime, including Meyer Lansky, Charles Luciano, and Bugs Moran. Flats outlines the shifting alliances and rivalries that defined the era, placing Willie within the broader context of gang wars that culminated in events like the St. Valentine’s Day Massacre. The conversation also examines Willie's transition from violent enforcer to gambling operative as organized crime evolved and shifted westward. As Las Vegas rose with legalized gambling, figures like Willie adapted—moving from street-level brutality to more structured rackets under established mob leadership. Despite brushing against major historical events and powerful crime bosses, Icepick Willie faded into relative obscurity. Flats and I explore why certain gangsters become legends while others—equally dangerous and influential—slip into the margins of history. We also touch on Willie's odd cultural afterlife, including regional pop-culture references that keep his name alive in unexpected ways. This episode provides both a character study of a cold and calculated killer and a broader examination of how organized crime adapted from Prohibition chaos to structured syndicates. It's a detailed look at a man who operated in the shadows—lethal, efficient, and nearly forgotten. Flats' book, Ice Pick Willie: The Life and Times of Israel Alderman, is available now on Amazon. Hit me up on Venmo for a cup of coffee or a shot and a beer @ganglandwire Click here to “buy me a cup of coffee” Subscribe to the website for weekly notifications about updates and other Mob information. To go to the store or make a donation or rent Ballot Theft: Burglary, Murder, Coverup, click here To rent ‘Brothers against Brothers’ or ‘Gangland Wire,’ the documentaries click here.  To purchase one of my books, click here. Transcript [0:00] Hey, welcome all you wiretappers. Good to be back here in the studio of Gangland [0:03] Wire. This is Gary Jenkins. As most of you, I’m a retired Kansas City Police Intelligence Unit detective turned podcaster and documentary filmmaker. I got a couple of documentary films you can rent on Amazon if you choose. I’ll have links in the show notes. Or just go to Amazon and search my name and you’ll find my stuff. But anyhow, today I have a friend of mine from Salt Lake City called Flats. And he’s just Flats, all right? And he’s written a book about a man named Icepick Willie. Now, Icepick Willie has got a great, cool nickname. I’m surprised that he didn’t last through history a little better because people had an easy-to-remembering cool nickname. His real name is Israel Alderman. Now, Flats has been researching him. He got a hold of me because I did a show on David Berman, who ended up in Las Vegas. He was a Jewish gambler from Minneapolis. And ice pick ends up out there connected to him somehow. And I didn’t really stumble. I stumbled a little bit across that, but I couldn’t remember what it was. But anyhow, welcome flats. [1:09] Glad to be here. Thanks for inviting me. All right. Go ahead. I’m sorry. I’m always open for any chance to talk about Ice Pick Willie, one of my favorite people. And if you guys out there know anything about Ice Pick Willie, get a hold of me and I’ll connect you up with Flats. And I’ll have his Gmail in the show notes. But either that or get a hold of me pretty easy. Any rumors or stories, lies, anything about him. [1:38] But in the meantime, in a couple of weeks, actually, by the time this podcast is out, that book’s going to be up on Amazon. But you can always go back. You can always pull those down and add more information in and then put them back up if you want. So that’s a good way to go. Nicknames are interesting. I once talked about doing a show on nicknames and how people got them, and I just never got around to it. And many times you can see how people get their nicknames. Al Capone, Scarface Al. He’s got the big scar on his face, right? Here’s one. One of Icepick’s Willie’s contemporaries, a guy named Albert, was it Tannenbaum? Yeah, Tannenbaum. And he was called Tick Tock. And I looked that up because, like I said, he was a contemporary of Icepick Willie’s. And he got the name Tick Tock because somebody said you move all the time. You’re always like a watch. You’re Tick Tocking all the time. And, of course, there’s Anthony Accardo, who they called Joe Batters. And his guys gave him that. They used to call him Joe. And that was because he beat up somebody with a baseball bat so bad that Al Capone said, you’re a real Joe batters. But he also, many times the press will give people these nicknames. And they gave Anthony Accardo the nickname of the big tuna because he was big. And they had a picture of him with a huge big tuna he had caught. There’s Joe Bananas Bonnano. That speaks for itself, Joe Bananas. And I think the press gave him that. First question, Flats, you know how Icepick Willie got his nickname? The nickname came… [3:06] From when he was in Minneapolis, he apparently picked it up. And this is something which he admitted to later on in his life. He claimed to have taken about 11, 12 victims out by using an ice pick in the ear. [3:27] And ice picks were actually really common back in the 20s everywhere. People had them. Everyone had them in their homes. and they were a real popular tool among Murder Incorporated members. It’s a handy thing, small, quiet kind of a tool. [3:49] Normally, a knife-pick killing was something that took maybe three or four people, not counting the victim. They’d crowd around him and grab his arms, whatever, and then somebody’d do him, they’d haul him off. Uh, Willie had managed to turn this into a one man operation. He’d take his victim. [4:11] He’d be up at the bar with a drinking buddy, get this guy really liquored up, and he’d slip his ice pick out of his jacket. Boom, real quick in the air, ice pick’s gone, the guy’s down on the bar. Not much blood because it’s an ice pick. Forensics wasn’t real hot back in the 20s, so a lot of times they would diagnose this as a brain aneurysm. But the guy would slump over the bar, drunk, dead drunk, and then they’d just haul him off. The story is they’d take him in the back room, he’d go down the coal chute, which everybody had back then, out into a truck, they’d haul off the body. The people that went down the coal chute, they were all pretty much forgotten. But Willie, he seemed to have stuck around. Now, in Minneapolis, apparently he’s still a real popular figure. Memorable, which is funny because Minneapolis, for all my research, is the place there is the least documented evidence about. [5:19] But that seems to be that and Las Vegas are where he’s best known. There’s even a company in Minneapolis that does a nail polish they named Ice Rick Willie. It’s a popular culture thing there. Yeah. Now, did he start out in New York with Erlansky? He started out in New York. He grew up on the Lower East Side. Like so many people, Benny Siegel and Meyer, everybody came from there. Early on, and back by the 20s, Meyer had hooked up with Charlie Luciano, and most of the serious Jewish gangsters came under Meyer’s umbrella, so to speak. And this Willie supposedly, according to another author, this is when Willie hooked up with Meyer, was early on during Prohibition. But Willie didn’t start out as a bootlegger. He started out with a bunch of jewelry store robbers, but they were pretty notorious at him. God, his first record of him was, oh, when was it? About 1925. [6:34] He got a charge for robbery. Not a lot of details on it. The charge was dismissed, and it seems to be a pretty common thing throughout his entire life as far as resolution of his legal issue. But anyway, then right after Christmas, that’s in year 25, he was going by Izzy Alderman back then. Israel, Izzy was his nickname. He didn’t get into Willie till later, but he went into with a couple other guys and they hit a jewelry store for about $75,000 worth of jewelry. Oh, wow. That’s a pretty good chunk of change back then. That’s a score, man. That is a real score back then. Oh, yeah. And then a few months later, along with a couple other people, he hit another jewelry store in the Bronx, William Sims Robbery. This one was pretty well publicized. And they go in, they take the, everybody there, the owner, employees, customers, tie them up, they’re in the back room, they grab trays full of gems, usually diamonds, they’re out the door, never even touched the cash register. So they got about a hundred grand on that. Got away. Next morning. [7:59] Another jeweler, Sam Candle, as he was opening up his shop to let a friend in, some guys come pushing into the door. Izzy’s with them again. Once more, the same M.O., everybody’s in the back room tied up. Another hundred grand or so worth the gems. So they’re doing pretty good by now. Wow, yeah. I assume that whenever they fenced them, did you find out much about how they fenced them? Did the Italians get a piece of the action? Did they make him pay up, or did Meyer Lansky get a piece of that? I’m sure that Meyer was somehow connected to this. He got a piece of everything that was going on in the Jewish world. And originally, at that point in time, there was not a lot of interaction between the Italian mobsters and the Jewish mobsters. They had their own little thing that they kept to themselves. They felt safer that way. They could trust everybody. It was actually pretty much Meyer and Charlie Luciano that moved things past that point. I see. But up till then, everything was coming under Meyer’s thing. So they were doing pretty good until they did a robbery. [9:19] There was a jeweler, Aaron Roddark. Now, about 18 months earlier, he’d had an attempted robbery where he had shot and killed one of the robbers as they were running out of the store. So he got a bunch of publicity called the Fighting Jewelers in the press, a popular guy. About a year and a half later, another crew walks in. This is Izzy’s crew. [9:50] When they come in, same thing, the fighting jeweler, he goes for his gun. Doesn’t work out so well this time. This time, he’s shot and killed. But they didn’t get any jewels. They take off again. [10:05] But now they’re hot. This is big news. Fighting jewelers murdered. Big publicity, big public outcry. And cops are looking for them hot and heavy by now. [10:17] And by now, so a few weeks, couple weeks after the fighting jewelers murdered, one of Izzy’s crew was picked up, coming out of a doctor’s office, for a gunshot wound, where he’d been treated. Cots get word of this, they pick him up, and he immediately starts confessing to all the jewelry store robbers, giving up partners. They pick up a couple more people pretty soon everybody is just singing like canary it’s like the mormon tavern fire or something so the cops are looking for everybody they haven’t got they pick up almost everybody the two people are missing from the last robbery where the guy was murdered is Izzy Alderman and one of the other guys Robert Byrd. [11:09] So Izzy and Robert they know they’re hot They’ve got warrants out. They know the police are looking. They’ve got this information because they’re connected to whoever. So they leave town. They’re on their way to Chicago. They’re going to go there to hide out, take care of business for a couple reasons. One is Robert Berg has brother, Ollie, who is tied in with the Northside Bugs Moran gang in Chicago. Ago, Holly is also a jewelry driver and right about the time, right before. [11:47] His brother, Robert, gets to Chicago. Ollie and a couple guys are on an Illinois Central commuter train. They robbed three jewelry salesmen while they’re on the train of their jewels, managed to get off the train and get away. They got picked up about 12 hours later, though. So now his brother, Ollie, is in prison again, of course. But Robert is connected. They have connections to the Northside gang. Through the brother, through Ollie. And this is a safe place for them to go, relatively safe. At that point in time, Chicago’s got the beer wars going on, and so it wasn’t a real safe place to be. But they had out there, they’re there maybe a week or so. The cops raid a hotel room, they pick up Robert Burke. They also find a bunch of jewelry, which they trace back to the New York robbery. So they know this is all tied together now. They don’t get Willie. Izzy is still at that point. So Robert Berg, now he’s back to New York going to prison too. Izzy needs a new partner. Berg had a guy he was running around with, Red McLaughlin. [13:06] Red’s partner’s in jail, and Izzy’s partner’s in jail, so they came up a little bit. But now Red already at this point the cops are looking for him hot and heavy in Chicago a little while before they found him. [13:24] The cops saw him on the side of the road, Red was on the running board of the car, reaching through the window, choking the driver. The driver turned out to be, of course, a jewelry salesman with the jewelry in the car. Red explained to the cop that his friend was just having some kind of a fit, and he was trying to help him. The cop wasn’t going for it, and so Red was off to jail. He managed to get bailed out. And as soon as he’s out, he just goes off on all kinds of things. By now, the cops are looking for him for being involved in some kidnappings and bootlegging and murders. One newspaper article called him the man of a hundred brides. He’s like Lon Chaney of the criminal world or something. So now the cops are really hot after Red. He’s junk bail. He’s doing all this other stuff. There they raid a hotel, the Webster Hotel in Chicago. They’ve got a tip. That’s where they’re going to find him. Yeah. They don’t find Red, but they find his buddy in there. They find him, and he’s got a suitcase full of guns. [14:38] But no, he knows this is turned out to be actually Izzy Alderman, but he knows the cops are looking for Izzy Alderman. So he tells the cops his name’s Robert Lewis. They don’t know any better. Things are different back then. Yeah. He also told them that he was a bootlegger from Detroit. And that, I guess, would explain having a suitcase full of guns. And when they get ready to arrest him, he tells the cops they’re going to be wasting their time because he says he has some high connections in the illegal liquor business in town here. And apparently he was right because all of his charges were dismissed as soon as they haul him in once again. Back then, it seemed in Chicago, because of Al Capone, Bugs Moran. [15:30] New York with Meyer and Charlie, Prohibition contributed to it a lot. Corruption was just fantastic. So you could buy your people’s way out of everything, which was nice if that’s what you were doing. Yeah so anyway Robert Bird disappears and now Willie all of his partners all of his connections everybody’s locked up missing dead something he’s out of work again but he’s in Chicago since 1927 they’re in the middle of the beer wars he’s a starker a tough muscle man starker’s Jewish term so he hooks up right away They were Bugs Moran on the North side. Bugs is more, the Bugs Moran gang, they were people like Frank Foster, Ed Newberry. He had other Jewish gangsters working with him at the time. So Lizzie fit in pretty good. And it isn’t long at all, maybe a month later, he gets cops pull over a car. They find Frank Foster and Izzy Alderman in there. And they’ve got guns, of course. And once again, the charges just disappear. Everybody goes on their way. [16:51] So things are rolling along. The beer wars are going good. And now we get into the taxi cab wars. because in Chicago back then, that’s how you settled everything. You had a war. There were two cab companies mostly going on in Chicago at the time, and they were shooting up each other’s cab offices and throwing bombs and shooting up cabs. So the Yellow Cab Company puts out a hefty reward for the people involved, which leads to another made by the cops on this time. It was a Broadway apartment where there were supposed to be people involved in all of this. [17:30] Among the people they find, first off, Frank Foster, who at the time was a high-ranking member of Bugs Moran’s group on the north side. They also find another bunch of people, one of them named Harry Davidson. This was, again, Izzy Alderman, but he knew that the cops were looking for Izzy Alderman, and they were looking for Robert Lewis by then. So that was Harry Davidson, and that worked out. And, of course, everybody gets charged with concealed weapons, and then the charges are dropped, and catch and release. Yeah, catch and release Chicago. It was really interesting. So shortly after this, of course, this is 1929 in Chicago, and it’s Valentine’s Day. We all know what happened there. Now this brought major heat, major attention from everyone nationwide, the student. [18:30] And surprisingly, later in life, like I said, he used to almost brag about his activity as he got older. One of the things he would tell people is that he missed the St. Valentine’s Day massacre because he was in the bathroom. Yeah, I was going to say, he missed that. The bathroom wasn’t in SMT partage, if that was the case. They had an outhouse, Flats. They had an outhouse out back. That’s true. Yeah, he was close enough to do that activity. Yeah. He was just caught up in the middle of all the major things happening throughout Gangland at that point in time. Really? How does he end up in Minneapolis? It’s reasonably close to Chicago, and there are some connections. It is. [19:19] Before he ends up back in Minneapolis, first he ends up back in New York. What happens now in New York, they’ve got their own problems going on between the two gangs back then. Yeah, they had the Castle Marie’s War during that time, I believe, or sometime around then. It broke out. Actually, it happens right after he gets shot. But as he gets picked up, there’d been a shooting that they had. First, they had the Easter Massacre, where a few people get shot up. And then the Fox Lake Massacre. Like I said, everything in Chicago was wars or massacres. And by the time the Fox Lake massacre happened, it was after the Valentine’s Day thing. Izzy Alderman, Frank Foster, Ted Newberry, and probably at least 6, 8, 10 other people affected. They left the Northside gang, and they moved south and joined up with El Capote. [20:21] Obviously, they could see where everything’s going. I mean, everyone at the outside is winning. But the authorities were aware of it. So after the Easter massacre and the Fox Lake massacre, now the cops know there’s going to be all kinds of retaliation. Fox Lake thing, Al Capone’s people got shot up. So cops are out on the street looking for people. They pull over a car racing down the street. They find Frank Foster, Izzy Alderman again, out with their guns. Once again, they get hauled in, arrested, catching release. Shortly after this, now we get a reporter, Jake Lingle. Jake Lingle, he was crooked. He was on the take. He was one of these $65 a week reporters who vacations in Hawaii and has an apartment on Lake George Drive, that kind of thing. He even said he had a fancy piece of gold jewelry that was a gift from Al Capone. Anyway, he gets into trouble with people there. He gets killed. [21:32] Now, everybody knows you can’t. The people you don’t kill are cops and newsmen. Jake Lengel gets killed, and now, once again, it’s like St. Valentine’s Day all over again. Big public outcry. Cops are hot and heavy. They know somehow Izzy Alderman is somehow tied into this. Frank Foster’s tied into it. So they’re hunting them. And a few months later, a cop spots Izzy. He’s in a restaurant with another guy, Joe Condi. They’re eating dinner. Cop recognized Izzy because he was really, which is surprising, he was really well known then to the cops, to the press, to other gangsters. [22:19] And yet today, who was Izzy Aldenman? Who was Ice-Pick Willie? So time goes by. But the cop spots him, recognizes him, grabs, snatters him up, and arrests him. As soon as they come out of the restaurant, runs him in for questioning for the Lingle murder. They get him in. There’s nothing they can tie him to the Lingle case with. So they charge him with vagrants. This is a new deal, a new tool that prosecutors are using in Chicago. Yeah. We know you’re a gangster. We can’t prove anything, so we’re going to arrest you for vagrancy because you have no physical means of support. You don’t have a job. [23:07] When Izzy was arrested at this time, he had about $650 in his pocket. This is worth like over 12 grand today so yeah the economy’s good when vagrants are carrying that kind of money obviously but they get arrested charged with first they’re brought in before a judge one judge mccordy he says there’s nothing to hold them on the lingual thing so they’re free to go the minute they walk out of the court building they get arrested charged with vacancy taken in front of another judge, Judge Lyle. Now, Judge Lyle, he’s known, he’s a holy terror when it comes to gangsters. He’s just after them. And even he admits the vagrancy thing, I’m not sure it’s really valid, but we’re going to charge you anyway. First thing is, he says, is I want a lawyer. So the judge tells the court reporter, the defendant has no comment at this time. And then in what’s probably the shortest trial in history, Izzy and his buddy are found guilty. [24:21] And shipped away to jail in a matter of like 10 minutes or something. How long was the sentence for? How long was the sentence for? They were sentenced to six months in jail. Okay. Surveillance. Okay. So now their lawyer comes back, goes back to the first judge, McGordy, who had released them on the Lingle chart. [24:49] And he convinced her, I don’t know, for whatever reason, Judge McGurdy says, no, I have jurisdiction in this case because they were brought before me first. And so he issues a bond and sets them free again. As soon as they walk out of the courthouse, they’re re-arrested again for vagrancy. At this point, their lawyer, the lawyer’s upset. And he’s telling, he tells the cops, that’s it. If you’re going to take them in on this bullshit again, you got to take me too. So they all went down to the station, the lawyer with them, charged with vagrancy again, locked up. Judge Lyle, like I say, Judge Lyle was not a friend of these people. He missed their fail at $10,000 on the vagrancy charge. And then he immediately changed it to $20,000 a piece because he was afraid they might make the $10,000 bail. These vagrants, mind you. So they’re backed off in jail. [25:56] Late that night, the lawyer, who’s also out of jail at this point, finds another judge who is either totally unaware of this case or he’s very aware of it. Either way, this judge says, oh, no, that’s way too much bail for vagrancy. The bail should be $100 for that. And as he says, they’re bailing at $100. They’re out again. Boom. So the next day, they go to court facing the, vagrancy charge in front of Judge Lyle. Judge Lyle immediately says, no, your bond was issued falsely, charges him with another $20,000 bail, has him re-arrested. Oh, my God. So they get their bond reduced to $10,000. They bail out of jail. They go to court. [26:51] Finally, on the vagrancy charges, maybe a month later. They’ve been dealing with this now for almost two months. Vagrancy charge. First day of the actual vagrancy trial, Izzy goes in, they arrest him for the burglaries back in New York, charging with hoax. So now they’re ignoring the vagrancy charge. They’ve got him locked up. They’re holding him for extradition to New York. He fights this still. He holds out finally in December, just a couple days before Christmas. He ends up back in New York to face the vagrants. He’s charged with the robberies and the murder of the fighting jeweler. Finally, everything gets dropped back in New York. You know, this is Meyer and Charlie’s area. All the charges are dropped. He’s free and clear again. He’s back home, so he sticks around. and it’s just in time because, as you mentioned, the Castle Marie’s war breaks out like a month later. [27:57] There’s no actual evidence, a lot of evidence of his involvement, but coincidentally, he is charged with murder about a month after the war breaks out. And, of course, his charges drop again, too, like they are. And then as the war goes on, first, Charlie Luciano, he swapped, changed his sides, they whacked Joe the boss, and then they set up Maranzano. [28:27] And Salvador Marenzano gets shot and killed in a restaurant, supposedly by a hit squad of Jewish gangsters that Meyer organized, because Meyer and Charlie were pretty close at this point in time. It isn’t sure who all was involved in that. Benny Siegel was supposed to be one of the shooters. And there’s no mention of Izzy being involved in it, but once again, just coincidentally, he left for France a couple of weeks after the shooting, where he stays until the end of the year when they first held at a couple of conferences. The one where Charlie Luciano organized pretty much the Italian crime family And then a couple months later, Meyer had one where he organized Jewish people, except Meyer had more of a national thing, whereas Charlie’s was more of the New York Five family kind of thing. [29:37] So anyway, at this time, I guess moving along here, Dave Berman, as you’re familiar with, being a Jewish mobster out of the Midwest, he’d come under Meyer’s umbrella. And then in 1927, he gets called to New York. He ends up in New York. At the time, Meyer, the Bugs and Meyer gang, especially being Budgie Siegel and Meyer Lansky, had this thing going where they were kidnapping rival bootleggers. Bootlegging was big business. Meyer was taking control of all of that. It was coming, especially coming in from Canada, which is where the Midwest came in, coming in by boatloads from Canada. We were drinking Canada Dry. Yeah, good one. So Dave Berman, he ends up in New York. Another bootlegger named Abe Sharlin gets kidnapped. [30:45] And the family agrees to pay like a $50,000 ransom to get him back. So when the two guys show up to collect the ransom, instead of a pile of money, there’s a pile of cops waiting for him. Immediately, a shootout breaks out. The one guy jumps out of the car, pulls out his gun, big shootout, people running everywhere. One guy shot and killed. The other guy, he surrenders. That’s Dave Berman. So Dave Berman, it’s, doing this for Meyer, but the cops don’t know that for sure. But they arrest him. He’s off to Sing for seven years for kidnapping. [31:27] Actually, back then, Sing, the prison in Ossining, New York, sat on the river, and so most people sent there, prisoners were shipped up there by boat. That’s where the term sent up the river. I didn’t realize that. Cool. So he does his time while he’s locked up there there’s not a lot of Willie doesn’t show up a lot but there is one specific mention of him, B Kittle he was a nightclub singer back in the early 30s young girl goes to New York chasing her dream ends up working at the nightclub that just happens to be to hang out for the mobsters. She doesn’t know this, but… And actually, she ends up marrying Mo Sedway later on. And Mo Sedway was one of Meyer Lansky’s close people, Benny’s people. She does remark, though, that she remembers there were two guys she’d always see sitting over at a table in the corner drinking together. One of them, she said, was Izzy Alderman, who she said was a lieutenant for Moe Sedway, and the other was Fat Irish Green. [32:51] Fat Irish Green was Benny’s bodyguard, hang-around-everywhere kind of guy. We always see the same people popping up all through this thing. Izzy’s plugged into this bunch. So anyway, we jump ahead a couple years. Dave Berman gets out of prison. Gets out of prison immediately. Meets up with Mo Sedway and Meyer and Charlie, everybody there. Dave’s been a stand-up guy. He kept his mouth shut about everything. He took his beef. He was good about it. But the story goes, they offer him a million dollars in cash for his loyalty. Fire took the judge. More employers should be like him. [33:42] Dave said he didn’t want the money. He wanted to be, he wanted control of gambling in Minneapolis. His mother lived there. His brother, Chickie, was there running small-time gambling thing. That’s where he wanted to go. And they say, okie-dokie, which I think is a good example of the influence, shall we say, that the East Coast group had over the rest of the country. They can just, I’ll give you this city in the Midwest. But before A.V. heads there, interestingly enough, there’s a couple of treasury bond robberies, big treasury bond robberies that happened in New York. They need total like over $2 million. [34:31] Big bucks and the FBI tracks down some of the bonds to a Minneapolis gangster, so when they arrest him along with him the Minneapolis gangster his name was Royce Boris Royce not that it’s a big deal but with him they pick up Davey Berman Davey the Jew is what he was called at that time they weren’t quite as politically correct, They got Dave Berman, they got Moe Subway, and there was a guy that the newspapers called, one account called him Jacob Irish Greenberg, and another one called him Jack Green Greenberg. So this would have been Fat Irish Green, it was Jacob Greenberg. [35:21] Once again, by the time it was done, acquittals all the way around. Wonderful things for him. Now Davey Berman pays off to Minneapolis to join his brother in the gambling thing. He gets there. Brother Chickie was running gambling initially. Isidore, or Kid Khan, was in charge. Isidore Bloomfield was in charge of the Minneapolis thing. And his brother, Yiddy Bloom. Yeah. But, of course, Davey’s here now. Since Kid Khan and his bunch were also Jewish popsters, that means they are linked to Meyer. And when Meyer says, okay, here’s Davey, now that’s how it goes. Davey immediately starts expanding the gambling joints into horse booking and race wire and craft games and everything. And he’s a good businessman. He’s sharp. And he’s learned a lot, apparently, from Meyer because he knows how to keep his name and people out of the name. Back then in Minneapolis, they had a deal. It was called the O’Connor Existence. [36:41] For the it was a deal that the local police had with gangster you could come to our town, and we won’t bother you we’ll leave you alone three conditions you check in with us when you get here so we know you’re here you of course make various payments to the necessary police and city officials and it was an orphan’s fund to the widows and orphans fund the police, and you promised that you will not commit any crimes major crimes while you’re in twin cities minneapolis st paul and if they’d agree to that they could stay there safely no matter who was looking for them so this also made it kind of more attractive i think for dave burman and people like him because obviously all you got to do is pay people off you’re good to go yeah kind of like the hot springs of the north, huh? Oh, yeah. So, once again, with this kind of ability, you don’t find a lot of mention of. [37:52] Dave Berman or his crew, especially in Minneapolis, and some of the police records have been lost there over the years. So that made it a little harder, too, to track things down. There are a couple of interesting things. For example, now, part of the Berman crew, one of them especially was Slippy Sherr, a guy named Phillip Sherr. They went by Slippy. He was really an interesting sort of guy. He was definitely a violent person he was constantly charged with assaults and murders and of course the charges were always dropped there was one occasion he was out with some friends in a bar they end up in an argument with the bar owner turns into a fight the bar owner goes outside flags down a motorcycle cop who’s going by the motorcycle cop goes back in with the bar owner and they proceed to get in a fist fight with Flippy and his friends, they get lumped up pretty good. Later, when they go to court. [39:01] The officer made a remark in court about, he said, all in all, it was pretty fair fight all the way around. And he said, for the most part, they’re pretty nice guys when they’re not drinking. Yeah. So aren’t we all? He was that kind of the guy Flippi was bollocked, Oh, another example of that. Willie ends up, by the time he hits Minneapolis, he’s become Willie Alden. He’s given up the Izzy thing, trying to put that behind him. Now, his focus is gambling. He’s like Dave Berman. It’s a muscle, maybe, behind Dave Berman. But he’s mellowed out a lot, and you don’t hear a lot about him. In one incident, though, they were golfers of all things. They loved golfing. And this is the 30s. So, of course, they can only golf at the Jewish golf course. Jewish people weren’t allowed at the regular country club. They’re out golfing. Flippy, sure, he would always join them. We wanted to force them. They didn’t deal with golf well. They’d get upset easily. I know the feeling. I know. [40:19] So on one occasion, Flippi slices a ball over into a neighboring farmer’s field. There’s an 18-year-old kid over there farming his potato crop. And Flippi, being argumentative, is a problem breaks out over the ball, him and this kid. Pretty soon, Flippi’s over there in the field. First, he starts wailing on the kid with his fist. And then he starts beating on him with his golf club until he knocks him out. Oh, man. This is like a $30,000 golf club. Game for flippy by the time it’s over and probably got extra strokes on that hole while he was there. [41:03] That the berman crew ran in minneapolis was 613 hennepin this was they were regularly it seemed like it was an annual thing it’s probably a deal they hadn’t once a year the cops would hit 613 Hennepin, they’d raid it, they’d charge him with gambling, whatever, and they’d pay their fine, let it go. But like clockwork, if you check the newspapers, once a year, it’s 13 Hennepin. So finally, last time, 1940, they go in, and now their cops are hyped. Big, great, they ain’t got all these cops, they’re ready to get the door down, charge in. To get there, Doors are wide open. Cop belt all run in. There’s still hot coffee on the stove. There’s a chalkboard full of all the race results. Everything but people. The places. There’s nobody in the place. This upset him made more of an embarrassment, I think, than anything for the police. He finally got beat out on that one. [42:09] That was 613 Hennepin. Was that the address and the name of the spot, 613 Hennepin? Or was that Hennepin’s like a common name up in Minneapolis? It was called the TMA Club. Okay, and the address was 613 Hennepin. Yeah, it actually had a couple of different names, But the address, no matter what club was at that address, whatever they called, it was the same thing. Yeah, I got you. They just sold. Now, about this time, this is late 1930s, of course, I’m sure you’re familiar with the Silver Church thing, the support group, so to speak, in the States, right? Yeah, yeah. And Judge Perlman from New York got a hold of Meyer Lansky. Yeah. See if he could offer assistance. And among the people that Meyer called was Dave Berman, of course, in Minneapolis. And Dave said, sure, I’d be glad to help. And Willie would be glad to help, too. Dave was a little nervous about Willie’s assistance because they really didn’t want anybody killed. And he wasn’t sure about that with Willie. But as it turns out, they said that Silver Shirts held their meeting at the Elks Club in town. and J.B. Berman showed up with some friends and baseball bats. [43:32] It took him about 10 minutes to clear the place out. A couple more go-rounds like this and the silver shirts, all the… [43:42] Nazi groups, neo-Nazis, whatever, they changed their mind about having these kind of meetings there. Like in New York, when they had Nuremeyer brought his people in, they were not extremely friendly to the Nazis, which is understandable. So the Silver Shirts complained to the mayor, Mayor LaGuardia, demanding protection for their rallies and their marches. And the mayor is obligated by law to protect them, to provide them with the support. And he did. He rounded up all of the black and Jewish officers he could find and assigned them to that duty. His mother was Jewish. Yeah, crazy times. It’s hard to believe. If you don’t read it in history yourself, you wouldn’t know it. It’s really something that’s been a gift under the rug. We had those Nazi sympathizers right up to World War II. It was crazy. Oh, it was amazing. People like Charles Lindbergh, Henry Ford, who wrote The International Jew. At one time, if you bought a new Ford, you’d get a free copy of that book. [44:57] I read that somewhere, The International Jew, that Jewish conspiracy that’s supposed to take over the world and have all the money and everything. Yeah, that’s interesting. That’s ridiculous. They just want to take over gambling. It’s obvious. Yeah, really. Then they wanted to move all these guys you mentioned, Mo Sedway and Mayor Lansky, of course, and Buggy Siegel. They all end up out in Las Vegas. They take it all to Las Vegas, don’t they? Yeah, and like I said, right from the very beginning, you’ll see the same name over and over. Benny Siegel, Gus Greenbaum, Joe Stacker. They had an amazing bunch. And if you look at it, most of them died in bed. Yeah. [45:43] It was a whole different, probably, mindset than you’d see with the Italian gangsters at that time. These are people who managed to stay out of jail, stay out of the press, and stay out of the ground and make money. Yeah. A FBI agent here in Kansas City gave me a quote one time on a documentary I was doing. He was talking about this national crime syndicate. And he said, yeah, he said, the Italians provided the brawn, and the Jews provided the brains. Pretty much how well you got to Vegas, obviously the Jewish groups around the country had been running gambling. They were smart. Meyer especially was a visionary. This guy was a genius in Meyer’s mind. And he could see that, obviously, Prohibition, as wonderful as it was for them, wasn’t going to last forever. But he could see the future in gambling. And I’m sure he didn’t foresee Las Vegas back when Prohibition was repealed, but he did see the direction things were going. [46:55] He developed gambling all over the country. And then when Vegas came along, this was just a wonderful thing for legalized gambling. They had the expertise, the experience, the knowledge, all they needed. Because opening casino is an expensive venture, so they needed more money. The Italians provided extra cash, and the Jewish groups had all the experience and the knowledge to run there. That’s where, back in the one conference, the Fraconia conference that Meyer organized, where he organized the Jewish groups around the nation, at that time he convinced, both groups were convinced that it was time that they start working together and not be at odds with them. with each other. Yeah, no, it was actually, it turned out to be a real profitable agreement as time went on. Yeah, especially in Las Vegas, so. [47:55] I’ll tell you what, Flatsy, it’s a hell of a book. That’s a hell of a story you’ve got there, guys. [48:00] We’re not going to disclose everything because we’ve got to go on out to Las Vegas, but we’re not going to disclose everything. We want you to buy that book. It really sounds interesting. It’s really a walk through the history and the expansion of organized crime from the early days from the Castle of Racey War and Chicago and the Beer Wars to Minneapolis and on out to Las Vegas. It’s a hell of a story. and Ice-Pick Willie was there for all of it, it sounds to me like. That’s what I found so amazing is pretty much every major event in gangland history at that point in time, he would somehow evolve there. And yet, here like 50 years or so after he’s dead, nobody even remembers him. They will now. The people he knew, the people he associated with, the things he’s seen, what a life really guys the book is Ice Pick Willie the life and times of Israel Alderman and the author is Flats F-L-A-T-S and I will have a link to that book on Amazon when this comes out so thanks a lot Flats I really appreciate you coming on and telling those stories, you betcha thanks for having me.

Welcome to the land podcast, a platform for people looking to educate themselves in the world of land ownership, land investing, staying up to date with current land trends in the Midwest, and hearing from industry experts and professionals.  On today's episode, we are back in the studio with Land Market Update. We discuss: Land market remains active but slightly cooling Inventory is slowly increasing Buyer opportunity may be opening up Location + layout still drive value Income-producing land adds major appeal Access is a critical factor for hunting properties Smaller tracts can still be high quality Interest rates likely steady short-term Buyer confidence tied to financing clarity Now may be a strategic buying window And so much more! Thanks again for all of the support from our partners—none of this would've been possible without them! -Moultrie:⁠⁠ https://bit.ly/moultrie_⁠⁠ -Hawke Optics | Use Code WHTL for 15% off:⁠⁠ https://bit.ly/hawkeoptics_⁠⁠ -OnX:⁠⁠ https://bit.ly/onX_Hunt⁠⁠ -Painted Arrow: ⁠⁠⁠⁠bit.ly/PaintedArrow⁠⁠ - Buck Land Funding: ⁠⁠https://www.firstbankers.com/bucklandfunding⁠⁠ - Latitude Outdoors: ⁠⁠https://www.latitudeoutdoors.com/⁠⁠ - Whitetail Master Academy ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.whitetailmasteracademy.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ - Use code '⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠HOFER' to save 10% off at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠www.theprairiefarm.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ - Massive potential tax savings: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ASMLABS.Net⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

You betcha! Jay and Shua head up to the snowy Midwest to celebrate the 30th anniversary of Fargo and explore the wonderfully weird world of the Coen Brothers. From woodchippers to wild film trivia, we dig into dark comedies, sci-fi fun, and some seriously enjoyable pop culture picks.   News A Ready Player One graphic novel adaptation is arriving this fall with a Target-exclusive release ahead of a wider 2027 launch.   Spaceballs 2 is officially set for April 23, 2027, bringing back Mel Brooks, Rick Moranis, and more for a long-awaited sequel.   The original stars of Charlie's Angels reunited at PaleyFest LA to celebrate the show's 50th anniversary.   Check out our TeePublic store for some enjoyable swag and all the latest fashion trends What we're Enjoying Shua is fired up about the Artemis II mission and the excitement it's generating around science, exploration, and human achievement. He highlights how inspiring it is to see the world come together around discovery and encourages everyone to embrace curiosity and learning. Jay has been enjoying Mike & Nick & Nick & Alice, a time-travel comedy on Hulu starring Vince Vaughn. A fun, entertaining ride with plenty of humor and a chance to see Vaughn stretch his performance in double the ways.     Sci-Fi Saturdays -  This week on Sci-Fi Saturdays Jay looks into Bumblebee (2018), diving into why it stands out in the Transformers franchise. Is it the emotional core of the film? Maybe the character-driven storytelling elevates it beyond typical robot battles. Both John Cena and Hailee Steinfeld bring depth and authenticity to a story about connection and growth. Read his article on RetroZap.com. And make sure to play around with the interactive map on MCULocationScout.com. This week he's added some new locations from Daredevil: Born Again season 2. Plus, you can tune in to SHIELD: Case Files where Jay and Shua talk about great stuff in the MCU.   Enjoy Chicken Fricasee!  Jay and Shua bundle up and head into the snowy cinematic world of the Coen Brothers, and the 30th anniversary of Fargo. Along the way, they explore the early years of Joel and Ethan Coen, breaking down how their unique storytelling style evolved through crime dramas, comedies, and genre-bending films.   From the gritty beginnings of Blood Simple to the quirky chaos of Raising Arizona and the award-winning brilliance of Fargo, the discussion is packed with humor, insight, and appreciation for the brothers' unmistakable voice. It's a fun, fast-paced look at a decade-plus of filmmaking that changed indie cinema forever.   Have you been to Fargo? Do you know what the guys looked like? Let us know! First person that emails me with the subject line, "Kinda funny lookin'" will get a special mention on the show.  Let us know. Come talk to us in the Discord channel or send us an email to EnjoyStuff@RetroZap.com 

This Alabaster Grave is Cengiz Yar's first monograph exploring the overwhelming destruction and pain faced by the Iraqi city of Mosul, within the context of its history and unique, now largely ruined, architecture. The book questions the cost of the fight against ISIS and global war on terror as told through the lives and city that bore the brunt of its destructive force.The photographs were made between 2015 and 2023 and fluctuate between reportage and moments of contemplation. The book includes a foreword from Azmat Khan, an essay by Campbell MacDiarmid, and a pullout map. It is designed by Jason Koxvold of Gnomic Book and written in both English and Arabic.Near the end of the show Michael also asks Cengiz about his time in Minnesota during the height of the ICE protests.https://www.cengizyar.comThis podcast is sponsored by the Charcoal Book Club - Begin Building your dream photobook library today at:https://charcoalbookclub.comCengiz is a documentary photographer and editor based in El Paso, Texas. Cengiz has worked in visual journalism for over a decade, from reporting in the field to building groundbreaking online packages. He is currently a visuals editor at ProPublica, where he edits, photographs, and art-directs stories across the site. His primary focus is visual coverage of projects in the Midwest, Southwest, and Texas. Before joining ProPublica, he edited for publications like Rest of World, Roads & Kingdoms, and the Guardian. As a photographer his work has primarily focused on human migration and the conflicts in Iraq and Syria. He is the inaugural recipient of the James Foley Award for Conflict Reporting, a Pulitzer Prize finalist, and a Dart Center Ochberg Fellow in Journalism and Trauma. His photography clients include Vanity Fair, Rolling Stone, WIRED, The Guardian, The Wall Street Journal, Instagram, Google, UNHCR, and The New York Times among others. He is HEFAT, RISC, and FAA drone pilot certified. His first monograph, This Alabaster Grave, was published in 2025 by Ocotillo Press.

AP correspondent Julie Walker reports already under financial pressure, Midwest soybean farmers are squeezed further by tariffs, Iran war.

- Curt Kimmel, AgMarket.net- Risk Premium & N Supply Chain Issues- Mark Russo, EverStream.aiThe April 13, 2026, closing market report highlighted the impact of international geopolitical tensions on agricultural commodities. Analysts noted that recent blockades involving the United States and Iran injected volatility and risk premiums into the markets, initially pushing corn and wheat prices higher while temporarily weakening soybeans. Given these built-in risk premiums, market experts recommend that producers begin executing their old and new crop marketing strategies, aiming to price at least twenty percent of their grain to capitalize on the current environment.Domestic planting progress is advancing at a strong pace, particularly in the central and southern Midwest, with expectations of average or slightly above-average planting progress overall. However, the global conflict has raised significant long-term concerns regarding nitrogen and urea supply chains. While the vast majority of fertilizer for the current spring season was priced before the conflict escalated, analysts warn that sustained high fertilizer prices will likely limit fall applications and significantly impact acreage and crop rotation decisions for the 2027 growing season.Weather patterns continue to present varying challenges across key agricultural regions. The western hard red winter wheat belt continues to suffer from a lack of meaningful rainfall, pushing crop conditions closer to dire levels. In the broader Midwest, the southern belt is experiencing drier conditions conducive to rapid planting, while central and northern areas remain slightly wetter. Internationally, incoming rains in Argentina are expected to slow the corn and soybean harvests, whereas the Safrinha crop areas in southern Brazil are entering a drier pattern that will soon require moisture to maintain adequate soil conditions. ★ Support this podcast ★

It was a surprising day on Wall Street and, frankly, we thought we were going to be in for a big loss. However, that was not to be. This is the Business News Headlines for Monday the 13th day of April, thank you for being with us. In other news, the President said he is willing to blockade Iranian ports so how will that work and what might be the impact?  We'll get to that for you. A federal judge has dismissed the 10 billion dollar lawsuit filed by Trump…but, there is a but.  We have news from the housing sector we'll share with you. Open AI, Sam Altman and a Molotov cocktail made the news. We'll check the numbers in The Wall Street Report and a story about the lack of restaurant dishwashers and what the industry is doing.  Let's go! Thanks for listening! The award winning Insight on Business the News Hour with Michael Libbie is the only weekday business news podcast in the Midwest. The national, regional and some local business news along with long-form business interviews can be heard Monday - Friday. You can subscribe on  PlayerFM, Podbean, iTunes, Spotify, Stitcher or TuneIn Radio. And you can catch The Business News Hour Week in Review each Sunday Noon Central on News/Talk 1540 KXEL. The Business News Hour is a production of Insight Advertising, Marketing & Communications. You can follow us on Twitter @IoB_NewsHour...and on Threads @Insight_On_Business.

They are one of the biggest rock ‘n' roll bands to emerge out of the Midwest and this year, they are marking a major milestone. WBBM's LIsa Fielding talked to the lead singer and founder of the BoDeans about years of touring and performing and their successful debut album 40 years ago.

They are one of the biggest rock ‘n' roll bands to emerge out of the Midwest and this year, they are marking a major milestone. WBBM's LIsa Fielding talked to the lead singer and founder of the BoDeans about years of touring and performing and their successful debut album 40 years ago.

Shooters and Prospectors (309) 737-3248 https://www.facebook.com/SWShooterSuppliesAndProspecting/ Adventures In Prospecting(A.I.P.) http://www.adventuresinprospecting.com/ XTREME SCOOPS https://www.facebook.com/XTREMEScoops/ TheRingFinders https://theringfinders.com/ BEYOND SIGHT AND SOUND YouTube https://www.youtube.com/channel/UCk7YDKf4Bxdw0Lwdat9VoRA All Metal Militia on Facebook https://www.facebook.com/groups/AllMetalMilitia/ DetectEd Outdoors https://www.youtube.com/channel/UCjLV9vNNhgmPJut2vMq0iNA Crazy Spider Adventures on YouTube https://www.youtube.com/channel/UCsKNJc6jKCnYthGmyp-QYEQ Illinois Iowa treasure hunters Facebook group https://www.facebook.com/groups/251326456035/ BOOT CAMP VIDEOS Night 1 silvers https://m.facebook.com/groups/576627622397397?view=permalink&id=2969793473080788 Night 2 coppers https://m.facebook.com/groups/576627622397397?view=permalink&id=2978808162179319 Night 3 tips, tricks and tweaks https://www.facebook.com/groups/detectamerica/permalink/2985422534851215/ NOKTA WEBSITE https://www.noktadetectors.com/ Midwest refineries https://www.midwestrefineries.com/ All Metal Militia on YouTube https://www.youtube.com/channel/UCT22mRQ_QQ0LfHrZy22IaaA?fbclid=IwAR1s1ma_fkWv9VzBVDKyLF10rQZq2wg0IJwQwJAKP21tWCHMYa7yiIs26l8 The Relic Hunter Facebook group https://www.facebook.com/groups/249978366379006/?ref=share $10K diamond ring return https://theringfinders.com/blog/Josh.Kimmel/2020/10/1-25-1-5-carat-diamond-gold-ring-returned-trf-celina-ohio-potential-replacement-8-10k/?fbclid=IwAR2tULpBnqX3Uwuc7FVRVASecMO0lF0tpxvy8OXbiBNk7bCbdB8W530xBc4 Metal Detecting:- Beyond Sight and Sound https://www.facebook.com/groups/421832374617055 FIND US ON AMAZON AND AUDIBLE https://www.amazon.com/BEYOND-SIGHT-AND-SOUND/dp/B08JJS1FC1 Sapphire and diamond arthritic wedding ring returned https://theringfinders.com/blog/Josh.Kimmel/2021/05/sapphire-diamond-arthritic-wedding-ring-returned-trf-celina-ohio/?fbclid=IwAR10iM9GH2BDcf3BHywNMhvQiyP_g0bHL_360zscykDQfiMK1R3fWe1ZCB0 MDCI Facebook group https://www.facebook.com/groups/259089097602307/ Terry Shannon's website https://terryshannon.com/ Quarter Hoarder YouTube channel https://m.youtube.com/@QuarterHoarder Bark's Detecting Bits on YouTube https://www.youtube.com/@barksdetectingbits3298 Ill Digger YouTube https://www.youtube.com/@Ill_Digger Steve Pacifico's 3d products and more https://www.md3dcoins.com/?fbclid=IwY2xjawPtl0lleHRuA2FlbQIxMABicmlkETFHdlIyczVRVWZRd29ERU96c3J0YwZhcHBfaWQQMjIyMDM5MTc4ODIwMDg5MgABHm6Nmh7pIaT-4JG0Y4d4qunUs82q1r2MQsYtTp19SO-CeVOG_gmnFlZAxadd_aem_64Bvy6ULhrx94o1hAE12Qg BEYOND SIGHT AND SOUND on PodBean https://www.podbean.com/pu/pbblog-hbn8z-10fc2c8

In 1869, Medal of Honor recipient Daniel Butterfield took a ten-thousand-dollar bribe from Jay Gould to leak Treasury gold sales, helping trigger the Black Friday panic that bankrupted brokers and ruined farmers across the Midwest. The man who composed Taps sold out his country and never spent a day in prison.Become a supporter of this podcast: https://www.spreaker.com/podcast/true-crime-historian--2909311/support.You can pay more if you want to, but rent at the Safe House is still just a buck a week, and you can get access to over 400 ad-free episodes from the dusty vault, Safe House Exclusives, direct access to the Boss, and whatever personal services you require.We invite you to our other PULPULAR MEDIA podcasts:If disaster is more your jam, check out CATASTROPHIC CALAMITIES, telling the stories of famous and forgotten tragedies of the 19th and 20th centuries. What could go wrong? Everything!For brand-new tales in the old clothes from the golden era of popular literature, give your ears a treat with PULP MAGAZINES with two new stories every week.This episode includes AI-generated content.

In this Beekeeping Today Podcast Short, Jeff Ott and Becky Masterman continue their live coverage from the 2026 Midwest Honey Bee Expo, featuring two conversations focused on innovation in comb honey production and hive feeding systems. The episode begins with Mick and Madison Fry, creators of SimplKomb, a comb honey production system designed to simplify harvesting while reducing waste. Their approach integrates production and packaging into a single cassette that fits standard medium frames, allowing bees to build comb directly within the final retail container. The result is a cleaner workflow for beekeepers and a more accessible product for customers, especially those new to comb honey. In the second interview, Gary and Gigi Drumright of BRB Feeder share the story behind their hive-top feeding system. Designed to address common issues with jar feeding—such as water intrusion, inconsistent flow rates, and robbing—the BRB Feeder provides a controlled, weather-resistant solution that supports both colony nutrition and management efficiency. Together, these interviews highlight the creativity and problem-solving happening across the beekeeping community, where practical challenges inspire new tools and approaches for modern beekeepers. This is Part 2 of a multi-episode series recorded at the 2026 Midwest Honey Bee Expo. Featured Guests Mick Fry & Madison Fry – SimplKomb Gary & Gigi Drumright – BRB Feeder ______________ Brought to you by Betterbee – your partners in better beekeeping.   Betterbee is the presenting sponsor of Beekeeping Today Podcast. Betterbee's mission is to support every beekeeper with excellent customer service, continued education and quality equipment. From their colorful and informative catalog to their support of beekeeper educational activities, including this podcast series, Betterbee truly is Beekeepers Serving Beekeepers. See for yourself at www.betterbee.com _______________ We hope you enjoy this podcast and welcome your questions and comments in the show notes of this episode or: questions@beekeepingtodaypodcast.com Thank you for listening!  Podcast music: Be Strong by Young Presidents; Epilogue by Musicalman; Faraday by BeGun; Walking in Paris by Studio Le Bus; A Fresh New Start by Pete Morse; Wedding Day by Boomer; Christmas Avenue by Immersive Music; Red Jack Blues by Daniel Hart; Bolero de la Fontero  by Rimsky Music; Perfect Sky by Graceful Movement; Original guitar background instrumental by Jeff Ott. Beekeeping Today Podcast is an audio production of Growing Planet Media, LLC ** As an Amazon Associate, we may earn a commission from qualifying purchases Copyright © 2026 by Growing Planet Media, LLC

So, if you thought the inflation figures for February were high, hang because the number for March was off the charts.  That story is what we kick things off with this evening.  This is The Business News Headlines for Friday the 10th day of April, thanks for listening. In other news, a federal court is hearing a case about President Trump's latest tariffs. Meanwhile the head of the International Monetary Fund talks about the worry of economics given the war in Iran. In sports Kansas City wants the Royals to stay so will money talk? The Mayor of Washington D.C. has just proposed her final budget and it will cause eyebrows to raise. We'll check the numbers in The Wall Street Report and the IRS has some news for taxpayers that we'll tell you about.  Let's go! Thanks for listening! The award winning Insight on Business the News Hour with Michael Libbie is the only weekday business news podcast in the Midwest. The national, regional and some local business news along with long-form business interviews can be heard Monday - Friday. You can subscribe on  PlayerFM, Podbean, iTunes, Spotify, Stitcher or TuneIn Radio. And you can catch The Business News Hour Week in Review each Sunday Noon Central on News/Talk 1540 KXEL. The Business News Hour is a production of Insight Advertising, Marketing & Communications. You can follow us on Twitter @IoB_NewsHour...and on Threads @Insight_On_Business.

Tonight we have it all; fae folk, skunk apes, UFOs, doppelgängers and much more. Keep it spooky and enjoy!Season 20 Episode 48 of Monsters Among Us Podcast, true paranormal stories of ghosts, cryptids, UFOs and more, told by the witnesses themselves.SHOW NOTES: Support the show! Get ad-free, extended & bonus episodes (and more) on Patreon - https://www.patreon.com/monstersamonguspodcastTonight's Sponsor - BetterHelp - Get 10% off your first month of online therapy at BetterHelp.com/MAUTonight's Sponsor - Lumi Gummies THC & CBD gummies - Feel good, not stoned. Get 30% off your order with code MAU at LumiGummies.comMAU Merch Shop - https://www.monstersamonguspodcast.com/shopMAU Discord - https://discord.gg/ybjc9KUagYWatch FREE - Shadows in the Desert: High Strangeness in the Borrego Triangle  - https://www.borregotriangle.com/Monsters Among Us Junior on Apple Podcasts  - https://podcasts.apple.com/us/podcast/monsters-among-us-junior/id1764989478Monsters Among Us Junior on Spotify -https://open.spotify.com/show/1bh5mWa4lDSqeMMX1mYxDZ?si=9ec6f4f74d61498bCremation information - https://nfda.org/news/statisticsAshes in Nevada Desert - https://www.youtube.com/watch?v=akChiC7wBDYAshes in Kansas City - https://fox4kc.com/news/problem-solvers/man-finds-discarded-ashes-of-17-people-sitting-outside-shut-down-kansas-city-funeral-home/Wild People Legend - http://native-languages.org/morelegends/wild-people.htmPam Map 1 - https://bit.ly/4vkoRkZPam Map 2 - https://bit.ly/41m6uhWSkunkape - https://play.history.com/shows/monsterquest/season-1/episode-9Bryan's UFO report on NUFORC - https://nuforc.org/sighting/?id=194122Bryan's UFO report on Phantoms and Monsters - https://phantomsandmonsters.com/post/1764878528609Florida red triangle UFO report - https://nuforc.org/sighting/?id=178732Bryan's UFO drawing - https://bit.ly/3PZocFtGamorrean Guard - https://starwars.fandom.com/wiki/GamorreanWhitley Streiber briefly mentions "blue aliens" - https://www.facebook.com/watch/?v=1519568978709188Music from tonight's episode:Music by Iron Cthulhu Apocalypse - https://www.youtube.com/c/IronCthulhuApocalypseCO.AG Music - https://www.youtube.com/channel/UCcavSftXHgxLBWwLDm_bNvAMusic By Karl Casey @ White Bat Audio - https://www.youtube.com/@WhiteBatAudioWhite Bat Audio Songs:Lost EraKiss of DeathChromaPrince of DarknessHeart of Darkness

Darkness Radio presents Repossessed: When Spirits Come Back From The Light with Paranormal Investigators/Podcasters/TV Personaities/Authors, Leitreanna Brown & Blaine Rohan!Leitreanna is an Empath Medium, a 4th generation Paranormal Investigator, and 9 time Author, who owns the All Access Network and has made multiple tv appearances on programs such as Repossessed, Haunted Hospitals, Family Spirits/Haunted Discoveries, and Monster Quest!Blaine is also an Empathic Medium and has been a paranormal investigator since 1985.  He has writtten two books with two books with two more on the way.  He is also the host of Family Spirit International and Cryptid Nation.  Both teach Mediumistic courses at Piedmont Technical College and online! On today's Darkness Radio, we Lei and Blaine about their paranormal beginnings, we get into the specifics of the death process and why earth-bound spirits truly fear judgement, we break down Shadow people, Elementals, and malevolent spirits and their true origins, and more!Get more information on how to get readings from Leitreanna, The All Access Network programming, and Lei's books here:  https://www.leitreanna.com/Check out the programming of the All Access Network here:  https://www.youtube.com/@familyspirit96Visit our sponsor for some of the best BBQ (and Smoked Prime Rib) in the Midwest: https://jellybeanandjulias.com/Pawtographs for Pooches is making it's return to MN this summer and members of Darkness Radio will be there!  Come out this June and investigate the Palmer House Hotel and help us raise money for the Tri-County Humane Society in St. Cloud, all while having an amazing weekend!  Get your tickets while they last:   http://pawtographsforpooches.com/Make sure you update your Darkness Radio Apple Apps!and subscribe to the Darkness Radio You Tube page:  https://www.youtube.com/@DRTimDennisThere are new and different (and really cool) items all the time in the Darkness Radio Online store at our website! Check out the Darkness Radio Store!   https://www.darknessradioshow.com/store/#paranormal  #supernatural  #metaphysical  #paranormalpodcasts  #darknessradio  #timdennis #leitreannabrown #blainerohan #repossessed #hauntedhospitals #familyspirits #haunteddiscoveries #monsterquest #paranormalinvestigating #paranormalinvestigators #travelchannel  #discoveryplus #ghosts  #spirits  #spectres #hauntings #hauntedhouses #haunteddolls #paranormalconventions #paracons   #demons #deliverances #exorcisms #angels #guardianangels #spiritguides #Psychics #mediums #afterlife #heaven #neardeathexperience #crossingover

A new bombshell has entered the villa. Her name is Nyx, and the only way to see her precious face is by checking us out on Youtube.com.

Columbus is one of the fastest-growing metropolitan areas in the country. It's growing faster than any other city in the Midwest. The state capital has come a long way from its humble beginnings.On this edition of All Sides, we're talking with author Brent Warren about the evolution of Columbus, which is documented in his book Columbus in 50 Maps.Support WOSU 89.7 NPR News during our spring membership drive and receive Brent Warren's book Columbus in 50 Maps as a thank-you gift. Make a gift now at https://www.wosu.org/pledge.Guests:Brent Warren, reporter for Columbus Underground and author of Columbus in 50 Maps

Imagine walking through a festival and to your right, you smell sambusas from Somalia. And then to your left you hear the music of a Mexican Mariachi band. That is the multicultural experience you can have this weekend at the International Festival of Minnesota. If you grew up here or had kids here, you may remember attending its former namesake, the Festival of Nations. It ran nearly 90 years, and was the Midwest's oldest and longest-running annual multicultural celebration. It drew 30,000 people to the RiverCentre when it was last held in 2019. Due to the pandemic and rising costs, the event came to an end. But now it is back and it kicks off Friday. Steve Heckler is the executive director of the International Festival of Minnesota and he joined MPR News host Emily Bright to talk about this weekend's celebrations.

In this episode, Michael and Jake catch up ahead of Laracon and share a wild travel story involving flight changes, third-party booking headaches, and expensive rebooking.Jake then shares a fun personal highlight: attending the NCAA Men's Basketball Championship and watching Michigan win.The conversation shifts into development work, where Jake dives into building a centralised system for managing failed Laravel jobs across multiple applications. He explains the challenges of aggregating failed jobs without Horizon, how they built a custom package to expose APIs for inspecting and retrying jobs, and the nuances of Laravel's queue system.They also explore ideas for turning this work into a Laracon talk, emphasising practical, experience-driven content over purely technical deep dives.Show LinksLaracon AULaravel HorizonSentryDead Letter Queue (00:00) - Introduction and road to episode 200 (01:00) - Laracon plans and travel setup (02:00) - Flight booking disaster and schedule change (06:00) - Rebooking flights and unexpected costs (09:00) - Lessons learned with third-party bookings (10:00) - Michigan wins NCAA championship (12:30) - Midwest geography and personal background (12:45) - Building a centralized failed jobs system (15:30) - Challenges with retries and tracking failures (16:40) - The "Dead Letter" package and API approach (23:20) - Turning real-world problems into Laracon talks (48:20) - Wrapping up and outro

The United States and Iran have agreed to a ceasefire in Iran, and energy markets responded with jubilation — at least initially. Every major Wall Street index surged on Wednesday, and U.S. oil prices fell.But the actual situation on the ground is far more ambiguous, huge questions remain about the truce, and the Strait of Hormuz is as closed today as it has been since the beginning of the war.On this episode of Shift Key, Rob is joined by Rory Johnston, a longtime oil analyst, repeat Shift Key guest, and the author of the Commodity Context newsletter. We talk about why Iran gains from extending the ceasefire, where the pressure in the global energy system is building up, and what could happen next. We also talk about why the Midwest has the cheapest gasoline in the world right now.Shift Key is hosted by Robinson Meyer, the founding executive editor of Heatmap News.Mentioned:Why the Real Oil Crisis Hasn't Started YetIran's planned toll for the Strait of Hormuz is a $2.33 per ton carbon taxChina Is the Big Winner of the Iran CeasefireRory's previous appearance on Shift Key: Why Trump's Oil Imperialism Might Be a Tough Sell for Actual Oil Companies--This episode of Shift Key is sponsored by ...Lunar Energy is building the technology to turn homes into active participants in the power system. Learn more about Lunar's vision of the future at lunarenergy.com.Music for Shift Key is by Adam Kromelow. Hosted on Acast. See acast.com/privacy for more information.

#155 Hidden Garden Escapes: Exclusive Open Days & Budget-Friendly Spring Adventures In this episode of Everyday Bucket List, we're stepping into a world that most people never get to see—private gardens, tucked behind gates and usually off-limits, now open to the public for a limited time. Here's what we get into: Exclusive private garden access Regional garden highlights nationwide Unique styles and landscapes Picture this: fresh blooms in the air, bees humming, and thoughtfully designed spaces that change with the seasons. These aren't your typical public gardens—these are deeply personal, creative environments that reflect years of passion and care. We also explore how the Garden Conservancy Open Days program unlocks hundreds of private gardens across the U.S., from Connecticut gems to Midwest design at the Turkel House and stunning West Coast landscapes. We also share practical tips to help you plan your visit, including what to expect, how to find locations near you, and why this can be a perfect low-cost weekend activity. With many budget-friendly tickets, it's an easy way to explore somewhere new without breaking the bank. Plus, in honor of Financial Literacy Month, we're talking about how gardening at home can actually save you money—from planting perennials to creating a low-maintenance, budget-friendly outdoor space that keeps blooming year after year. Whether you're looking for a peaceful day trip, seasonal inspiration, or a unique experience close to home, this episode will help you turn an ordinary weekend into something memorable.

Your eyes do not deceive you...there is still inflation in the U.S. and that is where we begin this evening. This is The Business News Headlines for Thursday the 9th day of April, thanks for listening. In other news, how much did the U.S. economy grow in the final quarter of 2025?  We'll share. If you think gas is expensive what about jet fuel and what that means for travelers. Applications for unemployment assistance climbed…again. Congress is looking carefully at some market issues that seem more than odd. We'll check the numbers in The Wall Street Report and the Amazon CEO tells shareholders to bet big on Artificial Intelligence. Let's go! Thanks for listening! The award winning Insight on Business the News Hour with Michael Libbie is the only weekday business news podcast in the Midwest. The national, regional and some local business news along with long-form business interviews can be heard Monday - Friday. You can subscribe on  PlayerFM, Podbean, iTunes, Spotify, Stitcher or TuneIn Radio. And you can catch The Business News Hour Week in Review each Sunday Noon Central on News/Talk 1540 KXEL. The Business News Hour is a production of Insight Advertising, Marketing & Communications. You can follow us on Twitter @IoB_NewsHour...and on Threads @Insight_On_Business.

Columbus is one of the fastest-growing metropolitan areas in the country. It's growing faster than any other city in the Midwest. The state capital has come a long way from its humble beginnings.On this edition of All Sides, we're talking with author Brent Warren about the evolution of Columbus, which is documented in his book Columbus in 50 Maps.Support WOSU 89.7 NPR News during our spring membership drive and receive Brent Warren's book Columbus in 50 Maps as a thank-you gift. Make a gift now at https://www.wosu.org/pledge.Guests:Brent Warren, reporter for Columbus Underground and author of Columbus in 50 Maps

It's not often that racers go on to have competitive second acts to their careers after retiring from the limelight. This week on the Download, Dale Earnhardt Jr. sits down with a driver who retired a NASCAR Truck champion and retraced his family roots back to the short tracks: Johnny Benson Jr. Born and raised in Grand Rapids, Michigan, Johnny grew up in the shadows of his father John Benson Sr., one of the finest chauffeurs the Midwest had to offer in the 1960s and 70s. John made a name for himself in the supermodified ranks and served as part of the Michigan invasion of the mid-60s to the legendary Oswego Speedway, where he captured the crown jewel Oswego Classic in 1966. At home, he was an accomplished parts builder and fabricator, which is where young Johnny got his first hands-on experience. Once John stepped away from driving, Johnny rose to the occasion to race for the family company, initially stepping into Southwest Michigan's dirt late model ranks. He quickly graduated to pavement competition, taking on the challenging American Speed Association tour in the mid-1990s, where he captured his first national championship in 1993. The feat landed him on the radar of many in the NASCAR ranks, including none other than Dale Earnhardt Sr. and Ernie Irvan. Johnny received a shot at the big time in the Busch Grand National Series, where he'd continue his winning ways with a season points crown in 1995. He was promoted to the Cup Series, driving for Bahari Racing, Roush Racing and finally MB2 Motorsports, capturing one lone victory at Rockingham in 2002.  Johnny's Cup opportunities would run their course, but he'd find later success in his NASCAR career driving for Bill Davis Racing in the Trucks Series. He'd become one of the few drivers in NASCAR history to win crowns in multiple series when he won the Truck title in 2008, before returning to his short track roots, getting behind the wheel of a supermodified in International Super Modified Association competition. Arby's Meat & 3 box is available for a limited time at participating locations while supplies last. Prices may vary. Get your Meat & 3 box at an Arby's near you today. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Superman Day is HERE — and the Midwest just became the center of the DC Universe. From Metropolis, Illinois to St. Louis, we're breaking down the biggest Superman events, guests, and community impact you need to know.

Content Warning: This episode contains descriptions of gun violence, intimate partner violence, poisoning, and discussions of coercive control in same-sex and heterosexual relationships. Crisis resources are listed at the end of these notes.Historical ContextIn Indiana, public pressure forced an exhumation four months after Hattie's death. Organs shipped to Chicago forchemical analysis revealed large quantities of strychnine. Pettit was arrested and charged with murder. The trial in Crawfordsville drew journalists from across the Midwest. Lew Wallace — the author of *Ben-Hur*, a former Union general, and a member of the military commission that tried the Lincoln assassination conspirators — attendedregularly from the gallery. The jury convicted Pettit and sentenced him to life in prison at hard labor. He died oftuberculosis in 1893, the same day the Indiana Supreme Court granted him a retrial. Elma Whitehead, who funded his defense and fled the state to avoid subpoenas, was never tried.Lilly Duer was captured in Baltimore and tried at the Worcester County courthouse in Snow Hill, Maryland, in May 1879. She was housed not in jail but at the National Hotel across the street — jail being unsuitable for a woman of her standing. The jury convicted her of manslaughter. The sentence: a five-hundred-dollar fine and no prison time. For shooting a woman in the face.The InvestigationsIndiana, 1889: While Hattie Pettit visited a friend in South Bend, her husband moved into the home of Elma Whitehead — the wealthiest woman in the county, daughter of church patron David Meharry. Pettit proposed to Elma, and she accepted. When Hattie returned on July 12, she was poisoned with strychnine on at least three separate occasions over five days. The poison produced violent convulsions — the body arching, the muscles seizing, the face drawn into what the Victorians called the risus sardonicus. Hattie told her doctor she believed she had been poisoned. He did nothing. She died July 17, 1889. The official cause: malaria.Maryland, 1878:On November 5, Lilly Duer walked into the Hearn family home in Pocomoke City with a revolverconcealed in a specially sewn pocket of her dress. She shot Ella Hearn in the face. The bullet passed through Ella's lip, shattered a tooth, and lodged in her skull. Through the blood, Ella spoke: "Don't, Lilly, please don't. I'll marry you." Lilly fled to Baltimore disguised in her brother's suit with her already-short hair cropped shorter.The CrimesHattie Sperry Pettit: was a schoolteacher who married the Reverend William Pettit through church connections inNew York. In 1889 Indiana, teaching was one of the very few professional callings available to educated women, andHattie was practical, self-sufficient, and disciplined. She did not know that the man at the head of her table had oncebeen jailed for theft, had lied his way into the Masonic Brotherhood, and had used those connections to secure his ordination. The minister she married was a fabrication.Ella Hearn was nineteen years old in the autumn of 1878, the daughter of an established merchant family in Pocomoke City, Maryland. Quiet, gentle, trusting — she had graduated from a boarding academy where she shared a room with the woman who would shoot her. She observed what the newspapers called a delicate, unassuming grace. That grace made her extraordinarily vulnerable.The VictimsBoth cases are about desire that could not be spoken aloud and justice systems that decided the people who caused harm deserved more mercy than the people who were harmed.In a river town on Maryland's Eastern Shore, a nineteen-year-old woman is shot in the face by her closest companion— and through the blood and agony speaks five words that have echoed for nearly a century and a half. In the farming country of western Indiana, a minister poisons his wife with strychnine so he can marry the richest woman in the county — and the dying woman figures out exactly what is happening to her. No one lifts a finger.Season 40 of Foul Play begins a year-long journey across all fifty states, pairing two historical crimes per episode —connected by a single thread. Tonight: Maryland, 1878, and Indiana, 1889. Two women trusted the people closest to them. Both paid for that trust with their bodies.Crisis Support ResourcesIf you or someone you know is experiencing intimate partner violence:-US: National Domestic Violence Hotline: 1-800-799-7233-US: Crisis Text Line: Text HOME to 741741-UK: National Domestic Abuse Helpline: 0808 2000 247-UK: Victim Support: 0808 1689 111Our Sponsors:* Check out Kensington Publishing: https://www.kensingtonbooks.com* Check out Mood and use my code SHANE for a great deal: https://mood.comAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

Get MORE Bad Friends at our Patreon!! https://www.patreon.com/c/badfriends Thank you to our Sponsors: Kachava, Avocado Green Mattress, Rocket Money, Shopify, BlueChew & Talkspace • Kachava: Go to https://kachava.com and use code BADFRIENDS for 15% off your first order. • Avocado Green Mattress: Go to https://AvocadoGreenMattress.com/BADFRIENDS and check out their mattress and bedding sale! • Rocket Money: Let Rocket Money help you reach your financial goals faster. Join at https://RocketMoney.com/BADFRIENDS • Shopify: Sign up for your one-dollar-per-month trial and start selling today at https://shopify.com/badfriends • BlueChew: Get 10% off your first month of BlueChew Gold with code BADFRIENDS. That's promo code BADFRIENDS. https://bluechew.com • Talkspace: As a listener of this podcast, you'll get $80 off of your first month with Talkspace when you go to https://Talkspace.com/badfriends and enter promo code SPACE80. YouTube Subscribe: http://bit.ly/BadFriendsYouTube Audio Subscribe: https://apple.co/31Jsvr2 Merch: http://badfriendsmerch.com 0:00 The Slow Clap 8:30 Science Experiment & Elements 13:15 Pulp Fiction Under Fire 18:30 Bad Friends Wedding 24:00 The 1 Minute Rule 28:00 Yabba Dabba Doo 31:00 Soft White Underbelly 35:00 Andrew's Midnight Reels 39:00 No Filters Dating App 46:00 Tumors.com 50:00 Full Metal Jacket 55:30 Midwest vs California 59:00 $5M Nirvana Guitar 1:03:00 Conspiracy Theories 1:08:00 Kicks of Love More Bobby Lee TigerBelly: https://www.youtube.com/tigerbelly Instagram: https://www.instagram.com/bobbyleelive Twitter: https://twitter.com/bobbyleelive Tickets: https://bobbylee.live More Andrew Santino Whiskey Ginger: https://www.youtube.com/andrewsantinowhiskeyginger Instagram: https://www.instagram.com/cheetosantino Twitter: https://Twitter.com/cheetosantino Tickets: http://www.andrewsantino.com More Fancy SOS VHS: https://www.youtube.com/@7EQUIS Instagram: https://www.instagram.com/fancyb.1 More Bad Friends iTunes: https://podcasts.apple.com/us/podcast/bad-friends/id1496265971 Instagram: https://www.instagram.com/badfriendspod/ Twitter: https://twitter.com/badfriends_pod Official Website: http://badfriendspod.com/ Opening Credits and Branding: https://www.instagram.com/joseph_faria & https://www.instagram.com/jenna_sunday Credit Sequence Music: http://bit.ly/RocomMusic // https://www.instagram.com/rocom Character Design: https://www.instagram.com/jeffreymyles Bad Friends Mosaic Sign: https://www.instagram.com/tedmunzmosaicart Produced by: 7EQUIS https://www.7equis.com/ Podcast Producer: Andrés Rosende This video contains paid promotion. #bobbylee #andrewsantino #badfriends #sponsored #ad Learn more about your ad choices. Visit megaphone.fm/adchoices

SOMETHING SHOT BACK! | During the Korean War, an American soldier opened fire on a strange craft hovering over his regiment — and what happened next left an entire company of men hospitalized, and one man permanently changed for the rest of his life. | #WDRadio APRIL 05, 2026==========HOUR ONE: In 1882 the Ma'amtrasna murders, the brutal killing of several members of the Joyce family in rural Galway, caused outrage in Irish society and remains one of the most notorious homicides in Irish history. However a few years later Cork was rocked by an equally heinous case which has largely been forgotten. We'll look at the brutal murders of four family members that took place in Castletownroche, Ireland. (The Castletownroche Murders) *** An Arizona family encounters a creature from the dark side of a Navajo legend. (The Arizona Skinwalker) *** John Blair liked to keep things “in the family”. But in his case, it wasn't just a saying. It was literal. Because John was infamous for being bigamous. (Bigamous Blair) *** Dozens of Korean War GI's claimed an unidentified flying object made them all sick. Theories range from high-tech Soviet death rays to extraterrestrials studying how we engage in battle to combat-stress-induced hallucinations. What actually happened? (The Korean War UFO)==========HOUR TWO: In 1761, a young Frenchman died violently. This tragedy would lead to what is still one of that country's most famous cases of judicial injustice. Assuming, of course, that it truly was an injustice at all. (The Mysterious Death of Marc Antoine Calas) *** Most know them as “The Hidden Folk.” The elusive and magical residents of Iceland, who live inside rocks and sometimes play games with unsuspecting passers-by. Are they real? That's a complicated question, if you ask Icelanders. (The Elves of Iceland) *** As two boys were walking back to the house on their farm, a small stone rolled past them. Then a second one. They immediately thought some other boys were hiding in the scrub and throwing stones for a joke.  They couldn't have been more wrong. (Stone Throwing Spirits) *** Belle Gunness lured numerous suitors to her Indiana farm. Not to entertain them or to be courted by them. She simply wanted to kill them in cold blood and dump their bodies in her hog pen. (Belle Gunness – The Black Widow of the Midwest) *** "They're going to steal your organs!" screamed Sabina Eriksson, before running toward oncoming traffic on the M6 highway, having already been hit head-on by a Volkswagen. Her twin sister, Ursula, legs crushed by the truck that had just run her over, was spitting and screaming at paramedics on the side of the road. Now, many years after these events, we're still no closer to understanding the chaos that occurred over two days in 2008 involving psychotic twin sisters on a UK highway. (The Disturbing Case of the Eriksson Twins)==========SUDDEN DEATH OVERTIME: Were people ever really tortured in Iron Maidens? (The Iron Maiden)==========SOURCES AND REFERENCES FROM TONIGHT'S SHOW:“The Disturbing Case of the Eriksson Twins” by Harrison Tenpas for Graveyard Shift: https://tinyurl.com/r6cbnxf“The Mysterious Death of Marc Antoine Calas” from Strange Company: https://tinyurl.com/rrs89rx“The Elves of Iceland” by Rob Schwarz for Stranger Dimensions: https://tinyurl.com/u4bcw6v“Stone Throwing Spirits” from The Fortean: https://tinyurl.com/qnuf7sd“Belle Gunness – The Black Widow of the Midwest” by Steven Casale for The Line Up: https://tinyurl.com/tqyceby“The Iron Maiden” by Karl Smallwood for Today I Found Out: https://tinyurl.com/t2y6vj6“The Korean War UFO” by Natasha Frost for History.com: https://tinyurl.com/y765nsgm“The Castletownroche Murders” by Fin Dwyer for the Irish Examiner: https://tinyurl.com/y9fhagfb“The Arizona Skinwalker” by Stephen Wagner for Live About: https://tinyurl.com/yxkdh9vv“Bigamous Blair” from London Overlooked: https://tinyurl.com/y9qpo54x==========(Over time links seen above may become invalid, disappear, or have different content. I always make sure to give authors credit for material I use whenever possible. If I have overlooked doing so for a story, or if a credit is incorrect, please let me know and I will rectify it immediately. Some links may benefit me financially through qualifying purchases.)=========="I have come into the world as a light, so that no one who believes in me should stay in darkness." — John 12:46==========WeirdDarkness®, WeirdDarkness© 2026==========To become a Weird Darkness Radio Show affiliate, contact Radio America at affiliates@radioamerica.com, or call 800-807-4703 (press 2 or dial ext 250).

4. The 1936 election involved complex dynamics with the Socialist and Communist parties, both of which Roosevelt regarded as potential electoral threats. Norman Thomas of the Socialist Party remained a factor in urban areas, while the Communist Party, led by Earl Browder, adopted a "popular front" strategy. While officially running their own ticket, the communists focused their attacks on Roosevelt's opponents to ensure his victory as a bulwark against European fascism. This period also saw radical agrarianism in the Midwest, exemplified by Minnesota's Floyd Olson, whose violent political environment underscored the era's instability. (5)1936 CENTER MARKET DC

A Kiplinger study of 1,000+ everyday millionaires found four traits that kept showing up. None of them involve a big salary, a hot stock tip, or a lucky break. This week Len Penzo, OG, and Joe dig into what those habits actually look like in practice, how to train yourself to spend with intention, and how to find a financial advisor who does what you actually need. In this episode: The "Midwest millionaire" traits anyone can adopt, why becoming a great saver can make you a terrible spender, the monthly money habit that takes 20 minutes and changes everything, and exactly what to say when you're interviewing financial advisors. Biggest takeaways: Frugality without intention is just suffering. The millionaires in this study were the last to spend on themselves and the first to give generously to others. Not cheap. Intentional. Set a money goal big enough to compete with impulse spending. Once you have a real why, "I deserve this" stops winning. When looking for a financial advisor, lead with exactly what you want in the first five minutes. A real professional will tell you if it's not their specialty. Resources mentioned: Len Penzo's blog and book True Money Stories at lenpenso.com The Stacking Benjamins scorecard: stackingbenjamins.com/scorecard The Vault (budget and net worth tracker): stackingbenjamins.com/vault FULL SHOW NOTES: https://stackingbenjamins.com/how-to-live-like-a-midwestern-millionaire-1825 Deeper dives with curated links, topics, and discussions are in our newsletter, The 201, available at https://www.stackingbenjamins.com/201 Enjoy! Learn more about your ad choices. Visit podcastchoices.com/adchoices

TJ is from Fresno, California. He joined in the Spring semester of 2021 in Iowa City, and in this episode he discusses training for pro day in Austin and returning to Iowa after the combine, adjusting to being between teams, and learning the NIL/agent process, including how revenue sharing felt compared to scholarship checks. He reflects on growing up in Fresno, playing baseball and basketball before focusing on football, and the culture and weather shock of arriving in Iowa in January. Hall recounts his unusual recruiting path from Arizona to Washington (including a coaching staff firing during his visit) to Iowa, plus the influence of his family's Midwest ties. He shares early trial-by-fire playing time, Coach Parker coaching stories, a turf toe injury, becoming a starter through extra work, handling social media criticism, favorite moments, and his emotions and excitement heading toward the April draft. If you love the show and want to show support, tell your friends! And, check out our exclusive content at Patreon.com/washedupwalkons where you can find extra podcast episodes, exclusive merchandise, Merch discounts with every tier, private Walkon discord channel access, and more! Find us on social media @washedupwalkons Visit TheWashedUpWalkons.com for all of our episodes, merchandise, and more! Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Keith challenges the belief that all debt is bad and reframes it as a tool for building wealth when used intentionally.  He contrasts destructive consumer debt with productive investment debt, especially in real estate, and explains how inflation, long-term fixed-rate loans, and rental income can work together to grow net worth.  Keith explores the mindset shift from prioritizing safety and being debt-free to pursuing growth through leverage, highlights the opportunity cost of avoiding debt, and offers practical guidelines for using borrowing rationally rather than emotionally.  He also shows how modern economies and many wealthy individuals rely on strategic debt, positioning it as a key part of a more intentional, asset-focused version of the American Dream. Episode Page: GetRichEducation.com/600 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  For predictable 10-12% quarterly returns, visit FreedomFamilyInvestments.com/GRE or text  FAMILY to 66866  Unlock truly passive real estate income—visit flockhomes.com/GRE today to see if your properties qualify for a 721 exchange with Flock Homes. Will you please leave a review for the show? I'd be grateful. Search "how to leave an Apple Podcasts review"  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— GREletter.com  Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Keith Weinhold  0:00   welcome to GRE. I'm your host. Keith weinholder, there's bad debt, good debt and great debt. Are you using debt wisely, and are you ensuring that you stay in debt? Because debt is the American dream today, on get rich education milestone episode 600   Corey Coates  0:23   since 2014 the powerful get rich education podcast has created more passive income for people than nearly any other show in the world. This show teaches you how to earn strong returns from passive real estate investing in the best markets without losing your time being a flipper or landlord. Show Host Keith Weinhold writes for both Forbes and Rich Dad advisors and delivers a new show every week since 2014 there's been millions of listener downloads of 188 world nations. He has a list show guests include top selling personal finance author Robert Kiyosaki. Get rich education can be heard in 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   Keith Weinhold  1:06   the same place where I get my own mortgage loans is where you can get yours. Ridge lending group and MLS, 42056, they provided our listeners with more loans than anyone because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage. Start your prequel and even chat with President chailey Ridge personally while it's on your mind, start at Ridge lending group.com that's Ridge lending group.com   Speaker 1  1:40   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  1:56   Welcome to GRE from Kennewick, Washington at Kennebunkport, Maine and across 188 nations worldwide. I'm Keith Weinhold, and you are inside get rich education. Yes, America's favorite slack jawed mammal on a microphone has got his act back on track, for your listening pleasure, since 2014 This is our 600th wealth building week in a row, you've been misled, not maliciously, not even intentionally, but somewhere along the way, a really expensive idea got planted inside your head, and it was once planted inside my head, that debt is bad, just blanketly bad, that the goal is to be debt free, that owing money to somebody else is something to escape as fast as possible. And look, I get it, if your mindset is in the old middle class consumer credit world like mine was for much of my life, debt feels heavy, it feels like risk, it feels like obligation, but the people telling you to avoid debt, they're the same people that never built much wealth now a reliance on 22% APR, credit card debt just To pay basic living expenses, because it's the only way that you could do it, merely making the minimum monthly payment that right there is the road to ruin. Why? Well, because the interest rate is high, because you have to pay it back yourself, and because it's unsecured, meaning that there's no collateral, and at the same time, the people quietly getting rich, what are they doing? They're using debt every single day. So debt is not the enemy, it's just the tool, and like any tool, it can build a house, or it can smash your thumb if you miss the nail. Well today we're going to separate the two, because if you understand this one concept, then you stop playing defense financially and start going on offense. In fact, I'll go further. Debt isn't the opposite of the American Dream used correctly. Debt is the American dream. Now, my turning point was really fueled when I made my first ever home, that $295,000 blue four Plex Building Two decades ago, with just my three and a half percent down payment. That meant that 96 and a half percent was borrowed. That's debt, and that fueled everything for me, and got the ball rolling on using that seminal four Plex to leverage even more debt and more property with 1031 exchanges and cash out refinances debt made that American dream free. Me because I could not have afforded $295,000 all cash back then. Now, a guest that we had on the show last year and the owner of a commercial lending company, Hannah Hannan, she recently talked about the virtues of debt. I met Hannah because we were both faculty members on last year's real estate guys Investor Summit at sea cruise. Well, Hannah went on a different cruise and saw in Jamaica that there were all these vacant and uncompleted houses just sort of weirdly stuck at different stages of construction. She asked the tour guide, why are these houses all abandoned? And and the tour guide answered, we don't have loans here in Jamaica. People have to work make money and then start the build, and then the build pauses while they make more money, and then they have to construct the next phase of the build as they go and go back to making more money like that. I mean, sheesh, that's awful. Can you imagine if you had to build a home or a rental property for yourself that way? Well, back here in the US, access to debt is what allows people to build wealth faster, especially in real estate, you can use other people's money control large assets, pay less in taxes and compound off a much smaller amount of capital. That's the difference. Debt availability is really good in the US compared to other nations, and that's the emphasis on the American part of today's episode. Debt is the American dream. Now, when it comes to the big misunderstanding, most people think that debt is really just one thing. They just lump it all like it's all bad, credit cards, car loans, student loans, mortgages. A lot of people, they really do. They just still throw it all into one mental bucket that's sort of labeled da, avoid that at all costs. I'm telling you, no way you cannot do that. I mean, this is like saying food is bad because candy exists. No, there's junk food and there's fuel. It's the same with debt. Consumer debt is a wealth killer. Investment debt is a wealth creator, and if you don't know the difference well, you end up avoiding the very thing that could move your life forward. Here's another way to think about it, debt doesn't make you poor. Using debt poorly makes you poor.    Keith Weinhold  7:36   In real estate, inflation is quietly paying your mortgage, even if you never made a principal payment at all. When you really understand this, it almost sounds too good to be true. Most people think inflation is just rising prices, and it is that, but they miss the other side of the equation. Inflation also shrinks debt, something I've been talking about for more than 10 years here. If you have a 30 year fixed rate mortgage, you're paying back that loan with future dollars that are worth less, and meanwhile, rents tend to rise, wages tend to rise, and asset values tend to rise, but your mortgage, it stays fixed. Inflation can't touch it, and that means that over time, your payment gets easier and easier to make. Oh, and then if you've got a tenant in place as well, oh, they're the one sending in the check for everything. And inflation is not just happening to you. It's now working for you. If you've got, say, a $500,000 mortgage loan, and inflation is 3% well, then inflation enriched you by $15,000 every single year. That's $1,250 a month just on this 500k mortgage loan. And if you've got an investment property rented out. You've even got the tenant paying down, oh, maybe $400 in monthly principal for you on the property, plus this $1,250 in inflation profiting, plus $100 of cash flow. This is $1,750 in monthly benefit before we've even added in your tax benefits and the appreciation potential. What made this all happen debt is what made it all a reality for you. When we talk about why the middle class fears debt, yeah, there is a mindset divide here. On one side, it simply says, get out of debt, stay out of debt and avoid risk. On the other we ask, How can I use that to acquire assets? So it's really like the first group is focused on safety and the second group is focused on growth, and after a while you have to ask bigger X. Potential questions like, do you want to live a life of safety, or do you want to live a life of growth? Now, I'm not knocking discipline, but there is a hidden cost to avoiding debt entirely. It's called opportunity cost. When you pay all cash, oh, well, then you lose leverage, you lose scalability, you lose tax advantages, and you often lose time. Hey, just like I would have by postponing my first four Plex purchase for, say, five plus years until I could have saved up all that money by myself. That's why playing it safe is often the riskiest move, because while you're sitting on the sidelines, inflation and rising prices are still in the game, and you've taken yourself out of the game. When we talk about the American dream, look, America was built on debt leverage.    Keith Weinhold  11:01   Zoom out for a second. This isn't just about you and me. America itself was built on debt. Railroads were financed with borrowed money that helped Cornelius Vanderbilt build his railroad empire in the 1800s in the 1900s highways were funded through government debt. Today, our entire suburbs are built on mortgages. Leverage didn't break the system. It built the system. So it's kind of ironic that today people are told the safest move is to avoid the very mechanism that built this modern economy that you and I are living inside every day. Debt is how things get done. Now, practically, yes, debt can absolutely wreck you if it's used poorly. So we think about some simple guardrails then favor fixed rate debt over variable match long term debt with long term assets, and you want to chiefly borrow for cash flowing or appreciating assets, and also stress test your deals assume that things won't go perfectly. So this certainly is not about being reckless. It's about being intentional. Debt should serve you, not the other way around. And now notice how I said to chiefly use debt for cash flowing or appreciating assets. I didn't say solely because you'll remember how last year, I talked to you about how I bought a new car for myself and financed as much as I was allowed, almost 100% debt. I had to make, like, a two or 3k down payment on the car because it was a special order. And once they start, you know, building it and customizing it for me, well, then they're at risk if they don't have a deposit, all right? Well, I found a way to make this car debt pretty good debt. Oh, and you might be thinking, oh, yeah, of course. Well, if you use it for business, you probably get some deductions that way. Oh, no, no. Business use totally a personal car, almost leveraged to the hilt, but it's not bad debt, and I'll tell you why. By the way, this isn't some high end exotic car. It's a BMW x3 SUV. It was like 53 or 55k and now how could I possibly call this good debt? Nope, I'm not running it out to other people or anything like that, because here, unlike income property, where a tenant pays it down, I do have to make these car payments myself. Well, in a word, the reason I did it this way is for the arbitrage. I got a fixed 3.99% interest rate for five years. Call it 4% Oh, I am almost certainly going to beat that by investing those dollars in real estate. So the 55k almost that I did not have to allocate to a car. Oh, well, that amount is enough for a down payment and closing costs on a cash flowing rental. That's probably going to pay me five ways with a total ROI that I expect to be multiples above the 4% interest rate, but the car's value depreciates. What about that debt on a depreciating asset? A car depreciates at the same rate whether it's bought all cash or all debt. It doesn't matter. Here is the better question, why tie up that much in a depreciating asset? 55k if I had paid all cash which I could have, I would have foregone returns and paid opportunity cost. Now, arbitraging car debt this way. That's not great debt. I don't put it in that category like real estate that pays for itself is and that is mostly because no tenant services. My personal car debt. For me, this car debt is just good debt, not great debt. Now how about some more guardrails? How can you keep yourself from going nuts and just trying to arbitrage everything. How would you know if you've gone too far? I mean, any person that's savvy with personal finance has to ask themselves a question, and that is always, what is the risk associated with this investment, or what is the risk associated with this debt, right? Because I already talked about the upsides of car debt this way. Well, the first risk is that I don't successfully arbitrage it. Rather than having the 55k sunk into the car, I have it invested elsewhere than say, it doesn't achieve a greater than 4% return. Well, the risk of that happening is small, maybe about a 10% chance. What's another big risk of leveraging car debt this way? Well, it's if you cannot make the monthly payment, which for me is about $1,050 a month, 1050 that's a comfortable payment. For me, if you can't make the payment that's called, you got yourself into an over leveraged condition. But for me, these risks are manageable. And this is applied thinking. This is clear eyed thinking, rational decision making, a level headed approach, a long term approach. It's common sense investing. Have a strategy and then invest your plan, not your emotions. Look paying off debt. That's often an emotional response, like when the debt is at a low interest rate and yes, understanding that debt is the American dream. Okay, this is still a pretty unconventional understanding, for sure, but it is pragmatism over emotions. When emotions go up, intelligence goes down. You can see that in a lot of places in your life. I can too. I think that a lot of the emotion happened to us when we were really young, perhaps age 12. And maybe you're saying, Oh, well, grandpa, he would not have arranged his finances this way. Grandpa wouldn't have leveraged all this real estate debt, and he sure wouldn't have thought that arbitraging car debt is savvy, but your grandpa was born before 1971 back when the dollar was still gold, backed if you're older now, your grandpa might have even been affected by living through the 1930s Great Depression. Our world does not work that way. Today, the dollar is no longer tethered to gold. It's just borrowed and lent into existence, and another Great Depression that's actually really unlikely. In the 1930s President Herbert Hoover refused to provide government support to prop up the economy, and sheesh today, any crisis is like immediately propped up by us printing a ton of dollars and then giving them out, just like covid stimulus checks and mortgage loan forbearance and all of that debt, debt, debt. Now I don't think that all of that is good, but you got to acknowledge that that's the world we live in today. If you're debt averse, because grandpa always said to stay out of debt, well then you know what you can take solace. Take comfort in the fact that today, ultimately, grandpa would have understood that the world changed, and he would want what is best for you.    Keith Weinhold  19:03   I'm get rich education. Host Keith Weinhold, this week, we're talking about why debt is the American dream on episode 600 with guidance that's practical, contrarian investor first and non emotional. Contrarian does not mean reckless. And by the way, just because something is mainstream, well, that doesn't necessarily make it bad, but in this case with debt, it often does. Here we're kind of back onto the old Mark Twain quote. Go out on a limb, that's where the fruit is. This is independent thinking for real world investors. It's where theory meets what actually works, and I'll discuss some specific actionable guidance for you before we're done today. But this is largely about ignoring the masses and following a clear incentive path. And what do the masses do? Now they kind of all gel together and get pumped up when they follow these debt free call in radio shows where the host advises the caller to always desperately retire debt at all costs. They'll even tell you work a second and a third job. You got to postpone vacations. They'll tell you to defer your life and go into lifestyle debt. Then in order to desperately stay out of financial debt, we're never going to get that time back. So just chill, take it easy with a lot of debt types inflation and sometimes tenants both passively pay it back for you. I mean, on these debt free call in radio shows, almost every time they give guidance, I kind of chuckle when I listen to this stuff. I sort of quietly ask myself, how would that path ever build wealth like when people are advised to retire 3% mortgage debt? Why dreadful sounding guidance like this happens is because it keeps irresponsible people from going over a cliff. That's all it serves to do. I mean, you're here listening to me because you're good with money, or you desire to be good with money and not give all your money away to creditors used intelligently. Debt isn't reckless. It's a tool, and it's one that lets you scale without trading every hour of your life for dollars. It seems to me that some of the groups of people that need to hear the debt is the American Dream message. They tend to be in a few groups. I need to be careful here, but I'm talking about groups like people with less financial education, engineers and women. It doesn't mean that people with less financial education are any less intelligent. And then when it comes to the engineering profession, you know that type of person tends to be unusually conservative, and I've worked for engineering firms in the past, so I wouldn't know this is somewhat of a paradox. Since engineers are the calculating types, you would think that they would have leverage and arbitrage figured out, and then women are a group that they tend to be more debt averse than most, and this is not a knock on women at all. In fact, women generally do a lot of things better than men do. I mean, I could go on and on there, like emotional intelligence and social awareness and relationship building and even multitasking and sticking to a plan, but I know couples where the husband does understand that it does not make a lick of financial sense to pay off the home, but he did it because the wife wants it so badly she deems that as security. But yeah, there was a time in my life where I thought that being millions of dollars in debt. Oh, that just sounded awful, like I thought that after graduating from college, but Oh, position well, with leverage in real estate, after a long time, you might get yourself where you're increasing your debt half a million bucks every year, but right alongside it, you're increasing your asset value 1 million bucks every year. Well, right there, since net worth is assets minus debt, you're increasing your net worth by a half million bucks a year because you have a big amount to leverage, because you've been a real estate investor for a long time. For example, debt made that American dream possible. But, yeah, the needling engineer type that's conventional and is like still the guy faithfully contributing to their 401 k which is locked up until their age, 59 and a half and keeps paying down debt. You know, they're the ones showing up to their engineering job in a pair of Dockers pants. I'm telling you, people that wear Dockers are not good debtors. I mean, do they still make stupid Dockers? I've got to look that up. Do those pants have pleats at the front or not? I don't even know.    Speaker 2  24:16   Levi's 100% cotton Dockers. If you're not wearing Dockers, you're just wearing pants.   Keith Weinhold  24:21   Oh jeez. And yeah, they still do make Dockers. I mean, the stereotypical needling engineer that dutifully contributes to a 401, K, he's got to have a complete dresser drawer full of stupid Dockers, no doubt.   Keith Weinhold  24:37   Hey, I can make a little fun of them, because I spent a lot of time in that world. I think it makes sense to contribute to a 401 K, by the way, but only up to the employer match amount. That way it's tax advantaged, and you're using other people's money one to one, but above that, oh, every dollar you lock inside a 401 k is $1 that can No. Longer leverage other people's money. That means no debt, no leverage, and a steep opportunity cost. Now to get a holistic picture here, we need to think through what are some reasons to pay down debt, or to pay off debt and completely retire it? Because there are some good reasons for doing that. I talked about credit cards earlier, student loan debt is also not good debt, because you must pay that debt, not somebody else, like a tenant, and now their interest rates are not as high as credit cards, but there's also no collateral with student loans. Maybe you could arbitrage it, like I did with my car, but student loan debt can't be discharged in bankruptcy. Like most other debt types, can you also want to pay off debt when an interest rate is working against you and not for you. Also, if you want to buy more property, but you need to lower your DTI in order to qualify with your mortgage loan underwriter that is lower your debt to income ratio before you take out another mortgage. Oh, well, that would be a reason, for example, to pay off a car loan. Another reason to pay off debt is if you're approaching retirement and you expect a decrease in your income, then you would want to revisit that here at GRE you might be structuring things to increase your income once you retire. That's its own discussion. They are some of the reasons to pay off debt. It makes sense sometimes, and with all those reasons, we've kept emotions out of it. But otherwise, yeah, bring on the good debt. Debt and loan are my two favorite four letter words the wealthiest people have the most debt. I've discussed that reality before on previous episodes, and I gave a lot of examples, like with Mark Zuckerberg and also with Jay Z and Beyonce, so I won't go into all that again. So therefore, let me discuss how, not only do the wealthiest people have the most debt, I mean, for example, I'm wealthier than I've ever been, and I simultaneously have the most debt that I've ever had. Not surprisingly, the wealthiest world nations have the most debt too. Let's look at it from the perspective of household debt as a percent of GDP. There are about 200 world nations, and sure enough, the US ranks pretty high 13th in this measure of household debt, the top 10 nations, counting them down from 10 to one is and look, they're all wealthy nations that have the most debt, Sweden, Denmark, Hong Kong, Norway, South Korea. Up to fifth is New Zealand. And then you've got the Netherlands at fourth, and then Canada, Australia, and number one is the nation that you probably think of as the most wealthy and stable in the entire world. It is Switzerland. They are number one in household debt per GDP, and then the poorest of the 200 world nations have the least debt and the highest interest rates and the least stable currencies. But see, the wealthy nations can borrow the most. These countries can borrow trillions because investors trust them. Their economies are productive and they can service the payments just like you see, say that I know you've got $5 million in debt. Just say that's true. All right. Well, now that's an interesting thing that I know about you, and now I can automatically deduce something else about you. I know that you must be pretty credit worthy for anyone to have even extended you that much credit. So a high debt level is a mark of creditworthiness. The richest people have the most debt and the richest nations have the most debt too. Debt is a contract with time. Here's the deeper idea, debt lets you pull future resources into today. It's financial time travel. But there is a catch. You need to deploy that capital into something that grows faster than the cost of borrowing. If you do that, you win. If you don't, then you just brought future problems into the present debt is time travel, and most people just waste the trip. That's why debt has a bad name. Debt Free surely is not the goal. But you know, even hitting a certain net worth or income mark is not an end goal. Their financial goal. But not the end. The end goal is genuinely living the best version of you. And in fact, let's listen to this together for a minute or two from the parallel truth. Are you really living? It's a little oversimplified, but this is quite a bit more substantive than civil engineers wearing Levi's 100% cotton Dockers. Don't be startled by the sound effects.   Speaker 3  30:23   If you really think working 50 years at a job you hate just to get a few years of so called Freedom makes sense, then I'm sorry to say, you have been brainwashed. This is not living. It's a trap. From the moment you're born, the system starts programming you. School doesn't teach you to think. It teaches you to obey, to sit still, follow orders and wait for permission. Then comes work, where your best years, your energy, your creativity, all get drained away to build someone else's dream. And they call that success. Retirement is the prize they dangle in front of you. Work hard now, they say, so one day you can finally rest. But by the time that day comes, your body's worn out, your fire's gone, and all those dreams you once had, they faded into routine. You traded your time for money and then your health to earn it back. And here's the cruel truth, that's not an accident. It's designed that way, a system built to keep you tired, broke and too distracted to notice what's really happening. They want you so busy surviving that you forget to actually live the scam is simple. They steal your youth when it's full of energy, passion and possibility, and then hand you back your freedom when you're too weak to use it. And the worst part, most people defend the very system that's enslaving them. They call it normal life. They laugh at anyone who questions it, because it's easier to believe the lie than to face the truth. But nothing about this is normal. It's just comfortable enough to stop you from revolting. They give you weekends, holidays and Netflix tiny doses of relief so you don't question the cage you live in. You were born to create, to explore, to build your own path, not to clock in and out until the day you die. The world doesn't need more workers. It needs more thinkers, more dreamers, more people brave enough to walk away from the illusion. So ask yourself, are you really living or just slowly dying inside a system that calls itself freedom?   Speaker 4  31:59   Yeah. Are you truly living or just existing with GRE plan, you can often retire in five to 10 years. So no debt isn't something to fear. It's something to understand. Because the difference between being stuck financially and moving forward faster than you thought possible, it often comes down to one thing, whether you avoid debt or you learn to use it, the American dream is not about being debt free. It's more about owning assets, leveraging wisely, and then letting time tenants and inflation do some of the heavy lifting for you, all of your life. Debt is the American dream, and I've got more on this for you today, coming up here on the show in future, GRE episodes, Rich Dad, Poor Dad. Author Robert Kiyosaki publicly states that he has $1.4 billion in debt, billion with a B, not because he's irresponsible, because he understands leverage and debt often entails a tax advantage with it too. Later this spring, Robert Kiyosaki returns to the show with me here. He's been one of our more recurrent guests over time. Next week, Redfin chief economist, Darrell fairweather, PhD, sits down with me here. Also a lot of other prominent guests lined up, like real estate influencer thatch Wynn will be here with me and lots of other great episodes coming up, including a lot of content that you wouldn't expect to hear that can make a real difference in your life. Be sure to follow or subscribe to the show and also tell a friend about the show today could very well be one of these paradigm shifting episodes that you want to share on social media. More straight ahead you're listening to debt is the American Dream On get rich education.    Keith Weinhold  33:50   Let me throw out a simple idea, sometimes doing nothing with your money is actually a decision. Leaving it parked might feel safe, but over time, purchasing power changes. So the conversation isn't about chasing returns. It's about intentionally placing money somewhere. Freedom, family investments works in real estate people use every day housing, senior communities, essential properties, things tied to living and not trends, their freedom notes. Offering is built for accredited investors looking for structured income backed by real assets, not speculation. I am an investor with them myself. The Freedom team makes themselves available to walk through their approach, structure and operating philosophy, so you can ask questions and determine alignment before moving forward, while past performance doesn't guarantee future results, their historical operating philosophy has yielded 100% investor payouts backed by over 20 years of experience. If you want clarity before making any moves, book a clarity call. At freedom familyinvestments.com or text family to 66 866, text the word family to 66 866.    Keith Weinhold  35:12   Flock homes helps you retire from real estate and landlording, whether it's one problem property or your whole portfolio through a 721 exchange, deferring your capital gains tax and depreciation recapture. It's a strategy long used by the ultra wealthy. Now Mom and Pop landlords can 721 the residential real estate request your initial valuation, see if your properties qualify@flockhomes.com slash, slash GRE, that's F, l, O, C, K, homes.com/gre   Tom Wheelwright  35:50   This is Rich Dad Advisor Tom wheelwright. Listen to get rich education with Keith Weinhold, and don't quit your Daydream.   Keith Weinhold  36:02   You welcome back to get rich Education. I'm your host, Keith Weinhold its debt is the American dream on episode 600 now, just before taking the mic, about 30 minutes ago, I ate some raspberries. I looked at the package to see where they were grown Mexico. Someone in Mexico supplied them. There was a supply chain. Those raspberries were planted in rows with trellising grown, and then they need to be hand picked. They're highly perishable, and they need to be shipped a long way fast, therefore, I just simply had the exorbitant privilege of buying those raspberries from a lit refrigerated store shelf with my dollars. Well, effectively, a bank lent me those dollars. Most of my debt is real estate debt, where time, tenants and inflation service my debt for me. I mean, what an amazing world. I'm just here to control those flows, those flows of money between Mexican raspberry growers, for my property managers that manage my tenants and for the banks that provide the loan. I mean, gosh, debt really is the American dream. It made raspberries appear. This is a contrarian way of thinking, but it's calculated. It's unconventional, but it's first principles thinking, rather than emotions from grandpa. You know something I've said it before that. Hey, I'm proud that throughout my life I have never ridden the government dole. Once. Never have I done that. I've never accepted a subsidy, no covid stimulus checks. I've never accepted an unemployment check in my life, even though I could have been eligible one time. I'm proud of that, because otherwise taxpayers would have had to work for me and pay for me. But in a way, since so many of my mortgage loans are subsidized, I am riding the government dole to get 30 year mortgage money at a 7% interest rate, that's also tax deductible, so therefore maybe I'm paying 5% I mean, that's a really good deal, and the government backing makes banks want to provide lucrative loans to us, just like the FHA program that I personally began with on a fourplex, and Just like these first 10 Fannie, Mae, Freddie Mac backed investor loans that you can get for one to four unit properties. So although it's indirect, it's really like a government handout that we're getting. And what can we do when we can do our part in giving back by doing good in the world and providing good housing, not being slumlords. That's the path that we're on here and the future, it's always going to feel uncertain. Always, I'm encouraging you. You've got to plant the tree, you've got to take the leap. You've got to choose to believe that there is something worth building toward optimism is not about ignoring what's broken in the world. It's about deciding anyway to keep on going, and you're probably doing a lot right, working hard, earning, well, a little saving, but more investing. There's a problem that very few people talk about, labor income is taxed heavily, asset income is treated better, and then 401, K income, well, that doesn't even start arriving until you're about 60 or 70. And really, this is why a lot of high performing. Professionals eventually hit a wall. They make more money, but they don't feel much freer. The people who break out usually do one thing differently. They stop relying on one income source, and they start building income producing assets, and that's where I come in, you already know how to do things like budget and save. We all learned that quite a long time ago, and we've all heard the usual advice about maxing out your 41k waiting for years and just sort of hoping, and that might build a nest egg like that usually does turn into something, and it's better than nothing. It usually won't build outsized returns or freedom, though, and surely not while you're young enough to fully enjoy it. So get rich education is about a different path, building durable wealth through income, property, financial education and smarter leverage, certainly not day trading, certainly not get rich quick, just a proven framework for escaping overdependence on a paycheck, a generationally proven vehicle here and here you get the mindset and tactics to make generationally proven real estate a life changing investment because most people are Climbing the wrong mountain. A lot of smart professionals spend 30 years trying to save their way to freedom, but wealth usually grows faster when you own assets that produce income appreciate over time, offer tax advantages and can be financed with long term debt. That's how you get a lot of them. That is the difference between working hard and building leverage. So you can't out earn a broken wealth strategy.    Keith Weinhold  41:47   Most people earn income, but few people own income. You own the source of the income when you have rental property. A lot of smart professionals really learn that too late, Your salary alone doesn't even have the ability to make you wealthy, since wealth is freedom. So we use an abundance mentality to invest in assets that are scarce. Most people use a scarcity mentality, leading with loss aversion, to invest in something that's abundant and plentiful. So there is always opportunity out there in a market as big and as broad as the US residential real estate market. Where is that opportunity today? Well, I'll tell you that list prices rose 2% year over year to a median of 423k that's in the four week period that just ended according to Redfin. But notice I said that was the list price buyers haggled them down to about 389k that's really significant. It's really proof that sellers are willing to bend in today's markets. So therefore in most markets, I'm encouraging you to make an offer that's below the list price, as we know, available for sale property that is still scarce in a lot of the Northeast and Midwest, and supply is abundant in Texas and Florida. But here's the thing, although Florida inventory is higher now than it was pre pandemic over that six or seven year stretch, here's the new trend, and it's worthwhile to identify inflection points like this on a year over year basis. So looking at only the past one year, Florida inventory is now down 4% it's no longer going up. So it's possible that we've reached the peak of this new Florida supply. We could have hit the turning point now, and yet, builders are still buying down your mortgage rate to about 4% giving you that long term fixed rate on new builds. So I'm telling you, that's where the opportunity is now. As far as the rent side, nationally, I don't see rents going up significantly anytime soon, and that's for most everything, single family rentals all the way up to huge apartment buildings. Rent increases in the single family to fourplex space, they showed some real promise last spring, a year ago, but as we got into summer, they didn't really materialize. Now, although you get rent increases historically, it's never wise to buy and just assume that that is automatic. But I want to underscore the fact that you really should not count on a rent increase over the next year. So that's new builds.    Keith Weinhold  44:53   The other area ripe for opportunity. Here is burrs, buy, renovate, rent. Finance and repeat properties and among GRE listeners, burrs have been our most popular investment over the past two years. Yeah, Memphis, Little Rock, Birmingham and Kansas City, they are our hottest and most reliable burr markets, and we've really improved our burr operations since first helping you with those found the secret sauce, as far as helping you get the right provider that doesn't leave you hanging on the renovation, burrs are also good for you if you have fewer investment resources than what new build properties require. GRE coaching calls and our coaching program are completely free to help you with this now. Of course, our investment coaches listen to all the GRE episodes like you. They're aligned, and we have family guys that work here, like our investment coach Naresh. He has a wife and kids, and he's just the type of person that you want to see succeed in life and that you would enjoy working with over time. And we are all investors ourselves here, every one of us, so it doesn't hurt to set up a 30 minute consultation call to see if our GRE coaching program is right for you, some good, abundantly minded council for free. Our investment coaches have access to the best deals in real time. That alone is worth a connection. We're in constant communication with the top national providers in the best markets. So there might be an incentive today, like, say, a builder rate by down to 4% that didn't exist just two days ago or yesterday. So this is why investors are succeeding. They're also succeeding thanks to our recent Florida online live event. Connect with us to watch the replay and get in on these deals yourself. In fact, we have never seen so many incentives and price reductions in GRE history as we are right now. And see, here's the thing, when it comes to you making an offer below the list price, because our coaches work with other GRE listeners, they're going to know how low that seller is really going to go for you on that price. So that negotiation is some key information that you can learn. We have access to more than 200 deals nationwide, so contact our real estate investment coaches to get access and these burr properties can give you a super high ROI, because sometimes you can end up with as little as 10k or 20k of equity invested in an income producing single family rental. That's probably going to be 20k or more. And then with some of these developers that overbuilt in places like Florida, make that offer use good debt and take advantage of that interest rate in the fours. Buy low. And the reason that these new build deals provide positive income is because you buy at a lower purchase price overall, and you get a fixed rate in the fours, and you get a low property insurance rate, since they are new build properties, you don't need urgency right now so much as you need clarity, because there are opportunities, real ones, whether it's burrs in the Midwest or builder incentives in places like Florida, where you can Get those 4% rates. But the challenge isn't finding opportunity, it's knowing which one is right for you, and that's exactly what we help you do. And since our coaches are active investors themselves, they follow the same markets and the same providers and the same strategies that we talk about here on the show. So instead of guessing or going back and forth in emails, just get clear book, a quick call. It's free, it's 30 minutes, and it could save you months or years of going in the wrong direction. You can do that@greinvestmentcoach.com that's greinvestmentcoach.com the best thing you can do next is get aligned with the right opportunity. I'll chat with you in a week. I'm Keith Weinhold. Don't quit your Daydream.   Speaker 3  49:35   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 the.   Speaker 4  50:03   The preceding program was brought to you by your home for wealth, building, get richeducation.com