Podcasts about midwestern

Their biggest fear isn't disagreement, it's discovery. Being found out. And once that happens, everything becomes “dangerous,” “racist,” or “misinformation,” depending on which word fits on a chyron.The political left used to believe sunlight was the best disinfectant. Now they install blackout curtains and accuse the sun of hate speech. Because once citizens started recording what local governments were quietly tolerating, the spell broke. And that's the story Democrats cannot control. Not ballots yet, but cameras. Not voting machines, but iPhones. The age of the credentialed liar is being interrupted by people who didn't ask permission to notice things.Minnesota was supposed to be the wholesome Midwestern buffer. Turns out it's a case study. Massive fraud cases involving nonprofit abuse and taxpayer-funded programs didn't just slip through the cracks. They were marched through the front door, stamped approved, and waved along. The Feeding Our Future case alone involved over $250 million in alleged fraud tied to pandemic relief, with political connections that raised eyebrows across party lines. See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Is it actually rude to not talk to your Uber driver, or are we all just prisoners of awkward Midwestern politeness? On today's daily comedy show, The Rizzuto Show tackles one of modern society's greatest moral dilemmas: how much small talk is required before you're allowed to stare at your phone in peace. From “quiet ride” preferences to drivers who don't understand social cues (or reality), the gang breaks down the fine line between being polite and protecting your sanity.Then the show takes a hard left into complete madness with another round of Facebook Marketplace Price Is Right, a game that proves the internet should not be allowed to sell things. The crew bids on some truly unhinged local listings, including a Predator cosplay helmet with real dreadlocks, a biblically accurate angel tree topper straight out of a fever dream, a rare 1986 Zimmer Quicksilver that looks like multiple cars lost a fight, and a secondhand Vagisil bath bomb that comes with a very aggressive “do not call me” warning.Things escalate when a $10,000 wood-fired pizza oven enters the chat, nearly convincing Riz to replace patriotism with mozzarella and become the undisputed king of Wildwood. This daily comedy show delivers awkward stories, weird news, bad financial decisions, and the kind of conversations that only happen on a microphone — all wrapped in sarcastic humor and self-inflicted chaos.If you're into funny podcasts, uncomfortable social situations, strange marketplace finds, and a daily comedy show that proudly derails itself before lunchtime, this episode is absolutely for you.Follow The Rizzuto Show → https://linktr.ee/rizzshow 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.

Kiera is joined by the tooth-healer himself, Jason Dent! Jason has an extensive background in pharmacy, and shares with Kiera where his pharmaceutical experience has bled over into dentistry. This includes the difference between anti-quag and anti-platelet and which medications are probably safe, what to do to shorten the drag time in the pharmacy, how to write prescriptions most efficiently, and more. Episode resources: Subscribe to The Dental A-Team podcast Schedule a Practice Assessment Leave us a review Transcript: The Dental A Team (00:00) Hello, Dental A Team listeners. This is Kiera and today is a really awesome and unique day. It is, think the second time I've had somebody in the podcast studio with me live for a podcast and it's the one and only Jason Dent. Jason, how are you? I'm doing well. Good morning. Thanks for having me. It is crazy. I I watch Instagram real like this all the time where people are like in the podcast and they're hanging out on two chairs and couches and now look at us. We're doing it. Cheers. Cheers.   That was a mic cheer for those of you who are only listening, but yeah, Jace, how does this feel to be on the podcast? It's weird. Like I was not nervous at all talking about it. I got really nervous as soon as you hit play. So if I stumble over my words, please forgive me ahead of time. Well, Jason, I appreciate you being on the podcast because marketing had asked me to do a topic about teledentistry and I was like, oh shoot, that's like not my forte at all. so   You and I were actually chatting in the hot tub. call it Think Tank session and you and I, we have a lot of good ideas that come from that Think Tank. A lot of business. no phones. That's why. We do leave our phones out. But I was talking to Jason and this is actually a podcast we had talked about quite a while ago. Jason has a lot of information on pharmacy. And if you don't know, Jason isn't really, we were going through all of it last night. It's kind of a mock in the tub. And I think it's going to be great because I feel like this is an area, I'm working at Midwestern and   knowing about how dentists, pharmacology was surely not your favorite one. Jason actually helps a lot of dentists with their clearances. And so we were talking about it and I like it will just be a really awesome podcast for you guys to brush up on pharmacology, different things from a pharmacist's side. So Jason, welcome. Thank you. Yeah, no, we were talking about it and here's like, what should I talk about on the podcast next? I have all these different topics and she's like, what do you know? And the only real interaction I have with dentists is doing clearances for procedures. We get them all the time, which makes sense.   Lots of people are on blood thinner, I've always told Kiera, like, hey, I could talk about that. Like, that's kind of a passion of mine. I'm not a dentist. Or my name is Jason Dent. So in Hebrew, Jason means tooth. No, no, no, sorry. Nerves are getting to me. Jason means healer and Dent means tooth. So my name means tooth healer. So, here's a little set. Hold on, on, hold Can we just talk about? I brought that up before you could talk about it more. So.   My name means tooth healer but I did not become a dentist. I know you wanted me to become a dentist. did. I don't know why. I enjoy medicine. I know what you're going to get to already. The things you're going to ask me. There's been years of this. But nevertheless, that's my name. We'll get that out of the way. But you did give me a great last name. So I mean, it's OK. You're All is fair and love here. SEO's up for that. But yeah, Jason, I'm going to get you right into the show. And I'm going to be the host. And we're going to welcome to the podcast show. Jace, how are you?   Good, good, good. Good, good, good. So by getting into clearances, right? This is what you're kinda talking about with you know, before we get to clearances, I actually wanted Jason, for the listeners who don't know you, who haven't talked to you, who don't know, let's kinda just give them like, how did you go from, Kiera wanted you to be a dentist, to now Jason, you are on the podcast talking as our expert on pharmacy. fantastic. I've always really loved medicine, a ton. As a kid getting headaches and taking Excedrin, like you just feel like a miserable pile of crap.   and then you take two pills and all of a sudden you feel better. Like that's amazing, like how does that happen? Also getting ear aches as a kid, just being in so much pain and then taking some medicine and you start feeling a lot better. I always had a lot of appreciation for that. I've always been mechanically inclined. I went to, started doing my undergrad and took biology and learned about ATP synthase, which is a spinning enzyme that's inside the mitochondria, like a turbine engine. I used to work on small engines on my dirt bike and thought that is so cool. So I really got wrapped up into chemistry.   All the mechanics of chemistry really pulled me in. I'm not getting goosebumps. checking. I usually get goosebumps when I think about chemistry. But it's so cool. You think an engine's awesome, like pistons and camshafts and pressures, the cell is the same thing. It's not as loud, so it's not as cool. But it's fascinating. that's why we're like. ⁓   chemistry and really got into coagulation. So I did my residency after pharmacy school. we went to Arizona for three years. ⁓ You did and your main focus, you were never wanting to be the guy behind the counter. No, I haven't done that. Yeah. No, I love them though. I've always really want to go clinical. ⁓ But I love my retail ⁓ pharmacists. They're amazing resources. And ⁓ I use the retail pharmacist every day still to this day, but I went more the clinical route, really love the chemistry aspect of it.   did my doctorate degree and then I did my residency in Reno. Reno's kind That's how we got here everybody. Welcome to Reno. Strategically placed because I was really interested in critical medicine and where we're located we cover a huge area. So we pull in to almost clear, we go clear to Utah, clear to California, all of Northern Nevada. We get cases from all over. So we actually are kind like the first hub of care for lot of areas. So we really get an eclectic mixture of patients that come in that need-   all kinds of different cases that are coming to them. So it's what I really wanted. So I did my residency in critical care there. And then for the next 10 years, I worked in vascular medicine with my final five years being the supervisor of the clinic. Ran all the ins and outs of that. So my providers, two doctors were on our view. So when we talk about dentistry, talk about production, those kinds of things, totally get it. My doctors were the exact same way, my vascular providers. ⁓   There's some pains there, right? You wanna be seeing patients as much as possible, being able to help as many people, keeping the billing up. And had other nurse practitioners, four practitioners, a fleet of MAs, eight pharmacists. We also had that one location we had, going off the top of my head, I think we had eight locations running as well. And we took care of all the different kinds of vascular cases that came to us. Most common was blood clots, ⁓ which is just a...   which is an easier way of saying VTE. There's so many different ways to say a blood clot. Like you might hear patients say, I've had a PE or a DVT or a venous thromboembolism or a clot in my leg, right? They're all clots, but in different locations. Same with an MI, and MI can be a clot as well. ⁓ there's a lot of, everybody's kind of saying the same thing, but sometimes the nomenclature can make it sound hard, but it really is actually pretty simple.   No. And Jason, I love that you went through, you've been in like, and even in your, ⁓ when you were getting your doctorate, you were in the ER. You also worked in retail pharmacy. remember you having a little sticker on your hand. And retail pharmacy, I have a lot of respect for those guys. They have a lot of pressure on them. and then you also, ⁓ what was that test that you had to take that? I don't know. You were like studying forever for it. ⁓ board certification for, ⁓ NABP. Yeah. So I did that board certification as well.   And now you've moved out of the hospital side onto another section in your career. Now in the insurance, right? So it's really, really interesting. So now I'm on the other side reading notes and evaluating clinical appropriateness and trying to help patients with getting coverage and making those kinds of determinations. So yeah, I've really jumped all over. Really love my clinical days. I know. don't I don't I do miss them. But yeah, kind of had a good exposure to a lot of.   pharmacy a lot a lot of dentists actually with all the places that come through which Jason I really appreciate that and honestly I know you are my spouse and so it's fun to have you on but when I go into conversations like this I don't know any of this information and so finding experts and Jason I think here's me talk more about dentistry and my business than I do hear about him on pharmacy so as we were chatting about this I really realized you are a wealth of knowledge because you've been on the clinical side so you've done a lot of patient care and you've seen how   medications interact and I know you've had a few scares in your career and ⁓ you've known some physicians that have had a few scares and ⁓ you've seen plenty of patients pass away working in the ER and gosh in Arizona drownings were such a big deal. I remember when you were in the ER on your rotations I'd be like who died today? Like tell me the stories and you've really seen and now going on to the insurance side I felt like you could just be such a good wealth of knowledge because I know dentists are sometimes so   I would say like maybe just a little more anxious when it comes to medications. I know that dental students from Midwestern were like here was like four months and we had to like pass it, learn it. And Jason, you've done four years plus clinical residency, plus you've been in it. And something I really love about Nevada Medicine is they've been so collaborative with you.   like your heart, your cardiologist, they diagnose and then they send to you to treat with medicine and... Yeah, I've been really lucky being here in Reno too. The cardiology team has been amazing to work with. We started a CHF program, sorry, congestive heart failure program for patients. So we would collaborate with cardiologists. They'd see the cardiologists and then they send them to the pharmacist to really manage all the medications. So there's pillars of therapy ⁓ called guideline directed medical therapy and the pharmacist would take care of all that. So that's gonna be your...   your beta blockers, your ACEs, your ARBs, your Entresto, which would be a little bit better, spironolactone. So just making sure that all these things are dosed appropriately, really monitoring the heart, and make sure that patients are getting better. we've had real positive outcomes when the, sorry, this is totally off topic. do, talk about that study. When we looked at when patients were coming to see our pharmacists in our clinic that we started up, the patients were half as likely to be readmitted. And this was in 2018, and our pharmacists,   We're thinking about all the medications. We're usually adjusting diabetes medications too at the same time. Just kind of naturally just taking care of all the medications because we kind of got a go ahead from the providers, a collaborative practice agreement that we could make adjustments to certain medications within certain parameters. So we weren't going rogue or maverick, but we were definitely trying to optimize our medications as much as possible. And then years later, some studies came out with, I'm sure you've seen Jardins and Farseegh. not trying to, I'm not.   I don't get any kickback from them. I have no conflicts to share. But because our pharmacists were really optimizing that medication, those medications were later shown to reduce hospitalizations and heart failure, even though they're diabetes medications. Fascinating. So it wasn't really the pharmacists. It was just the pharmacists doing as much as they can with all the tools that were in front of them. And then we found out that the patients were going back to the hospital.   half as much as regular patients. So, yeah, being here, it's been so amazing to work with providers here. the providers here want help, want to help patients, don't have an ego. I mean, I just, it's awesome. I love it. I do love how much I think Jason sees me geek out about dentistry and I watching Jay's geek about his pharmacy and how much he loves helping patients. And ⁓ really that was the whole idea of, all right.   Dentistry has pharmacy as a part of it. And I know a lot of dentists are sending in clearances and I know working in a chair side, it would be like, oh no, if they're on warfarin or on their own blood clot, you guys, honestly don't even know half of what I'm talking about because this is not my jam, which is why Jason's here. But I do know that there was always like, well, we got to talk with their provider. And so having Jason come in and just kind of explain being the pharmacist that is approving or denying or saying yes or no to take them off the blood thinners in different parts, because you have seen several dental   I don't know what they're called. What is it? Clarence's? that what comes to you? don't even know. All day my mind, it's like, here is the piece of paper that gets mailed to you to the pharmacist and then you mail it back. So whatever that is. But Chase, let's talk about it because I think you can give the dentist a lot of confidence coming from a pharmacist. What you guys see on that side. When do you actually need to approve or disapprove? Let's kind of dig into that. Yeah. Well, first of all, I think I'm not a replacement for any kind of clinical judgment whatsoever. Every patient's different. But the American Diabetes Association, you   I work with diabetes a lot. American Dental Association has some really great guidelines on blood thinners and I would always reference them. I actually looked at their website today. Make sure I'm up to speed before I get back on this again. They have resources all around making decisions for blood thinners. And I think the one real important thing in putting myself in the shoes of a dentist or any kind of staff that's around a patient that's in a chair, if they say I'm on a blood thinner, right, a flag goes up. At least in my mind, that's what goes up.   Like, okay, how do we get across this bridge? And I think the important thing to really distinct right then when they say they're on a blood thinner is that is kind of a slang word for a lot of different medications, right? Like it's the overarching word that everybody pulls up saying, I'm on a blood thinner. It's like, okay, but I don't know what say. It's like, I have a car. You're like, okay, do you have a Mazda? Do you have?   Toyota, Honda, what do you have? or even worse it'd be like saying I have a vehicle, right? So when somebody says they're on a blood thinner, it opens up a whole box of possibilities of what they're Blood thinners are also, doesn't, when they're taking these types of medications that are quote unquote a blood thinner, it doesn't actually thin the blood, like adding water to the blood, if that makes sense, or like thinning paint, or like thinning out a gravy, right? It doesn't do the same thing. Blood thinners, really what they're doing is they're working on the blood, which.   which is really cool, try not to tangent on that. ⁓ When they're working on the blood, it's not thinning it per se, but it's making it so that the proteins or platelets that are in it can't stick together and make a cloth quite as easy. So whenever somebody's on a blood thinner, I usually ask, what's the name of the blood thinner that you're on? It's not bad that they use that slang, that's okay, on the same page, but it's really broken into two different classes. There's anticoagulant and antiplatelet.   And a way to kind of remember which is which, when residents would come through our clinics, the way that I teach them is a clot is like a brick wall. You know, it's not always a brick wall. Usually the blood is a liquid going through. But once they receive some kind of chemical message, it starts making a brick wall with the mortar, which is the concrete between the and the bricks, the two parts. When it's an anti-quagent, it's working on that mortar part. When it's an anti-platelet, it's working on the bricks part, right? You need both to make a strong clot or strong brick wall.   But if you can make one of them not work, obviously like if your mortar is just water, it's not working, right? You're not gonna make a strong brick wall. So that's kind of the two deviants right there. So that's what I do in my mind real quickly to find out because antiplatelets are usually, so that's gonna be like your Plavix, Ticagrelor, Brilinta. And hold on, antiplatelets are bricks? Good job, bricks. They're the bricks. And so the reason I was thinking you could remember this because I'm, antiplatelets, it's a plate and a plate is more like a brick.   And anti coagulant, I don't know why quag feels like mortar to me, like quag, like, know, it's like slushy in the blood, like it's coagulating. It's a little bit of that, like, honestly, I'm just thinking like coagulated blood is a little bit more mortar-ish. And so platelet is your plate, like a brick, and anti-quag is like.   the gilly between the bricks. Okay, okay, I got it. Yeah, so there's an exception to every rule, but when they're on that Don't worry, this is Kiera, just like very basic. You guys are way smarter listening to this, and that's why Jason's here. No, no, you helped me pass pharmacy school. When we were doing all the top 200, you helped me memorize all know what flexorill is, all right? That's a muscle relaxant. Cyclo? I don't know that part. It's a cyclo, because you guys are cycling and flexing. I don't actually know. just know it's a muscle relaxant, so that's about as far as I got. When we're looking at antitick platelets, so that's the brick part, so that's going to be your, you know,   Hecagrelor, Breitlingta, Clopidogrel is the most common one. It's the cheapest one, so probably see that one the most. Those, I mean, there's an exception to every rule, but that's generally being used after like a stent's placed in the heart. It can be used for VTE, there's some out there, but that's pretty rare. But also for some valves that are placed in the hearts, it can be used for that as well. So antiplatelet, really thinking more like a cardiac event, right? Like I said, there's always an exception to every rule, but that's kind of where my mind goes real quickly, because we're gathering information from the patient.   They're on anticoagulant. Those are like going to be the new ones that you see commercials for all the time. So Xeralto, Alequis, those are the two big ones right now. They're replacing the older one. And also we were supposed to do a disclaimer of this is current as of today because the ADA guidelines do change. this will be current as of today. And Jason, as a pharmacist, is always looking up on that. I had no clue that you are that up to speed on dental knowledge. so just throwing it out there that if you happen to catch his podcast,   a few years back that obviously check those guidelines for sure. But the new ones are the Xarelto and Eloquist. They're replacing the older ones of warfarin. Warfarin's been around for a really long time. We've seen that one. Those are anti-coagulants. So when you're looking, when a patient says that, generally they're on that medication because they've possibly had a clot in the past or they have a heart condition called atrial fibrillation. Those are kind of the two big ones. Like I said, there's always caveats to it, but that's kind of where my mind goes real quickly. And then,   as far as getting patients cleared, the American Dental Association has really good resources on their website. You can look at those and they're always refreshing that up. They even say in their own words that there's limited data around studying patients in the dental chair and with anticoagulants or anti-platelets. It's pretty limited. There's a few studies, some from 2015, some from 2018. There's one as recent as 2021, which is nice. But really, all of those studies come together and it's really more of an expert consensus.   And with that expert consensus, they have kind of simplified things for dentistry, which is really nice. ⁓ comparing that to, we have more data for like total hip replacement, total knee replacement. We have a lot of data and we know really what we should be doing around then. But going back to dentistry, we don't have as much information, so they always say use clinical judgment, but they do give some really great expert guidance on that. So if a patient's on an anticoagulant, ⁓   they generally recommend that it doesn't need to be stopped unless there's a high bleeding risk for a patient. as a provider or as a clinician in the practice, you can be looking at high bleeding risk. Some things that make an oral procedure a little bit lower risk is one, it's in the compressible site, right? Like we can actually put pressure on that site. That's the number one way to stop bleeding is adding pressure. It's not like it's in the abdominal cavity where we can't get in and can't apply pressure. So number one, that kind of reduces the bleeding risk.   is number one. Two, we can add topical hemostatic agents. Dentists would know that better than me. There's a lot of topical ways to do that. So not only pressure, but there's those things as well. And also, but there are some procedures that are a little bit more likely to bleed. And that's where you and dentists would come in hand in What's the word in APO? Oh, the APOectomy. I got it right. Good job. like, didn't you tell me last night that the ADA guideline was like what?   three or four or more teeth? great question. So you can extract one to three teeth is what their expert consensus One to three teeth without. Without really managing or stopping anticoagulation or doing anything like that. I think that's some good guidance from them. I'm gonna add a Jasonism on that though. So with warfarin, I do see why dentists would be a little bit more conservative or worried about stopping the warfarin because warfarin isn't as stable as these newer agents. Warfarin, the levels.   quote unquote levels can go really high, they can go really low. And if the warfarin levels are high, they're more likely to bleed. So I do think it makes sense to have a really recent INR. That's how we measure what the warfarin's doing. I think that makes a lot of sense, but the ADA guidelines really go into the simplification version of all these blood thinners. Generally, it's recommended to not stop them because the risk of stopping them outweighs the benefit of stopping them in almost every case. Almost every case.   ⁓ So when you're with that patient, right, they say I'm on a blood thinner, finding out which kind of blood thinner that they're on, you find out that they're on Xeralto, right? How long have you been on Xeralto for? I've been on it for years. You don't know exactly why, but if they haven't had any recent bleeding, you're only gonna remove one tooth. ⁓ You can do what's called a HasBlood score. That kind of looks at the bleeding risk that they'd have. That'd be kind of going a notch above, but in my mind, removing one tooth isn't a real serious bleeding risk. I'd love to hear from my dentist friends if they...   disagree, right, but ADA says one to three tooth removals, extractions, that's the fancy word. Extractions, yeah, for extracting teeth out. Is not really that invasive. Sure. It's not that high risk, so it's usually perfectly fine. So if a patient was on Xarelto, ⁓ no other, this is in a vacuum, right? I'm not looking at any other factors, which you should be looking at other factors. I would be perfectly fine to just remove one to two.   And when those clearances come in, because dentists do send them, talk about what happens. You guys were working in the hospital and you guys would get these clearances all the time. do. We get them so often. I mean, we get like four or five a day. We'd love to give it to our students, student pharmacists, and ask them what to do. And they would usually look up the American Dental Association guidelines and come up with something. We're like, yep, that's what we say too. In fact, we say it so many times a day that we have a smart phrase.   which just blows in the information real quickly and faxes it right back to the So it's like a copy paste real quick. So what I wanted to point out when Jason told me this is dentists like hearing this and learning this, this can actually save you guys a ton of time to be able to be more confident, to not need to send those clearances on. And we were actually talking last night about how I think this might be a CYA for dentists. like, as we were talking, I think Jason, you seeing so many other aspects of medicine, like you've literally seen patients die, you've seen other areas.   And so coming from that clinical vantage point, we were realizing that dentists, we are so blessed to live in an injury. I enjoy dentistry because possibly there's someone dying, not super high, luckily in dentistry. The only time that I have actually had a doctor have a patient pass away, and it was only when they were completely sedated and doing ⁓ some other things, but that was under the care of an anesthesiologist. And so that's really our high, high risk. And so hearing this, Jason,   That was one of the reasons I wanted him to come on is to give you doctors more confidence of do we have to always send to a pharmacist? I mean, hearing that on the pharmacy side, they're just sending these back and not to say to not see why a to not cover this because you might be questioning like, well, do I really need to? But you also were talking about some other ways of so number one, you guys are just going to copy back the 88 guidelines. So so 88 guidelines. Yeah. And I think that that gives a lot of confidence to a provider or a dentist is that you can go to the 88 guidelines and read them, right? Like you're listening to some   nasally monotone pharmacist on a podcast. Rumor has it, people love him at the hospital. were like, you're the voice, he's been told he has a good radio So for the clinic, I was the voice. Like, yeah, you've reached the vascular clinic, right? And they're like, oh my gosh, you're the voice. But sorry, you me distracted. That'll be your next career, Jace. You're going to be a radio host. OK. I would love that. I love music. But you're hearing from a nasally guy, but you can actually read the ADA guidelines. You just go right to the ADA, click on Resources, and under Resources, it has the   around anticoagulants, I think that's the best way to get a lot of confidence about it because they have dentists who are the experts making calls on these. I'm just reiterating what they say, but I think it makes a lot of sense to help providers. And the reason why my heart goes out to you as well is having the providers that used to work underneath me, they're always looking for our views, which is a fancy way of making sure that they're drilling and filling. Can I say that? Yeah, can say drilling and filling. They're being productive, right? They're being productive, right?   They're always looking to make sure if a patient's canceling, like get somebody in here. Like I need to be helping people all day long. That's how I, we keep the lights on. That's how I help as many people. And so if you have a patient coming in the chair and it has an issue, they say I'm on Xeralto. Well, you can ask real quickly, why are you on Xeralto? I had a clot 10 years ago. my gosh. Well, yeah, we're pretty good to go. Then I'm not worried. We're only removing one tooth or we're just doing a cavity or a cleaning. Something like that. Shouldn't be an issue whatsoever because there's experts in the dental. ⁓   in the dental society, the ADA guidelines that recommend three teeth or less, minimally invasive. They really recommend if it's gonna be really high bleeding risk. And clinically, that's where you would come in, ⁓ or yourself. know, apioectomy is one that's like on the fence line. I don't know where implants set. though, and like we were talking, implants aren't usually like a date of procedure. Most people aren't popping in, having tooth pain, and we're like, let's do an implant. Now sometimes that can be the case, but typically that one's gonna have   a few other pieces involved. And so that is where you can get a clearance if you want to. ⁓ But we were really looking at this of like so many dentists that I know that you've seen will just send in these clearances because they are. And I think maybe a way to help dentists have more confidence is because you know, I love routines. I love to not have to remember things. So why don't we throw it in, have the team member set it up where every quarter we just double check the ADA guidelines. Are there any updates? Are there any other things that we need to do on that? That way you can just see like   getting into the language of this, of what do I need to do? Because honestly, you guys, know pharmacy was not a big portion for it, so, recommending different parts, but I think this is such a space where you can have confidence, and there's a few other things I wanna get to, and I you- I some pearls too. Okay, go. I'm so when she get me into talking about drugs, I'm not gonna stop. So, some other things around that too is these newer blood thinners like Xarelto Eloquist, they now have reversal agents, so a lot of providers in the past were really worried about bleeding because we can't turn it off. We can turn those off. Warfarin has reversal as well, right?   So I'm looking at these patients. It's really low risk. It's in the mouth, generally speaking. Very rarely are they a high bleeding risk. Now if you're doing maxillofacial surgery, this does not apply, right? This does not apply whatsoever. you're like general dentist, you're pediatric dentist. Yeah, yeah, and it's kind of on the fly. So just trying to really help you to be able to take care of those patients on the moment, have that confidence, look at the ADA guidelines, have that in front of you. I don't think it's a bad thing to ever...   check with their provider if you need to. If you're thinking, I feel like I should just check with the provider, I would never take that away from you. But I just want to kind of steer towards those guidelines that I have to help. But what did you want to share? No, yeah, I love that. And I think there were just a few other nuggets that we were chatting about last night that can help dentists just kind of get things passed a little bit easier. So you were mentioning that if they were named to their cardiologist, what was it? was like, who is the last? Great question. Yeah, when a patient's on a blood thinner,   It could be prescribed by the cardiologist. It could be prescribed by the family provider or could have been punted to like a vascular clinic like where I was working. It can go to any of those. And when you send that fax, right, if it goes to the cardiologist and it's supposed to go to the family care provider, like it just kind of goes, goes nowhere, right, from there. So I think it's a really good idea to find out who prescribed it last. If the patient doesn't know who prescribed their blood thinner last, you can call their pharmacy. I call pharmacies all day long.   I have noticed in the last year, they are way easier to get a hold of, which has made my job a lot easier, working on the insurance portion. So reaching out to the pharmacy, finding out who that provider is and sending it to them, because they should be able to help with that. I thought that was a good shift in verbiage that you had of asking instead of like the cardiologist, because that's who you would assume was the one. But you said like so many times you guys would take care of them, and then they go back to family practitioner, and you guys would get the clearances, but you couldn't clear because you weren't overseeing. So just asking the patient.   who prescribed their medication for them last time. That way you can send the clearance to the correct provider. then- And they might not know. You know patients, right? They're like, I don't know, my mom's or else, I don't know who gave it to me. Somebody told me I need to be on this. But at least that could be another quick thing. And then also we were talking last night about-   ⁓ What are some other things that dentists can do when like writing scripts to help them get what I think like overarching theme of everything we discussed is one how to help dentists have less I think drag through pharmacy. ⁓ Because pharmacy can take a little while and so perfect we now know the difference between anti-quag and anti-platelet. We know which medications are probably safe. We know we can check the ADA guidelines so that we were not having to do as many clearances. We also know if they're on a medication to find out and we do need a clearance.   who we can go to for the fastest, easiest result. And now, in talking about prescriptions, you had some really interesting tips that you could share with them. Yeah, so with writing prescriptions, right, pharmacies are pharmacies. So I'm not gonna say good thing or bad thing. There are challenges working with pharmacies. I'm not gonna play that down at all. ⁓ If you're writing prescriptions and having issues and kickbacks from pharmacies, there's some interesting laws around ⁓ writing prescriptions. Say that you're trying to ⁓ prescribe   augmentin, you know, 875 BID, and you tell the patient, hey, I want you to take this twice a day for seven days, and then you put quantity of seven, because you're moving fast, right? You want it for seven days, quantity of seven. Quantity would actually be 14, right? It's not that big of a deal. Anybody with common sense would say if you're taking a pill for twice a day for seven days, you need 14 tablets. But LAHA doesn't allow pharmacists to make that kind of a change, unfortunately. They have to follow what you're saying there. So you're going to get a...   An annoying callback that says, you wrote for seven tablets. I know you need 14. Is that OK? Just delays things, right? So ⁓ I really like the two letters QS. That's Q isn't queen. S isn't Sam. Yeah. It stands for quantity sufficient. So you don't have to calculate the amount of any medication that you're doing. So for me, as a pharmacist, when I was taking care of patients, I hated calculating the amount of insulin they would need for an entire month. So I would say.   Mrs. Jones needs 15, I'd say 15 units ⁓ QD daily. ⁓ And then I say QS, quantity sufficient, ⁓ 90 day supply through refills. So the pharmacy can then go calculate how much insulin that they need. I don't have to even do that. So anytime you're prescribing anything, I like that QS personally. So that lets the pharmacy use ⁓ common sense, as I like to call it, instead of giving you a call. I think that's super helpful. I also thought of one thing too.   going back to blood thinners is when it's kind of like a real quick, like they're not gonna have you stop the blood thinner at all. like you're seeing if you can stop the blood thinner for a patient, there's some instances it's just not gonna happen. And that's whenever they've been, they've had a clot or a stroke or a heart attack within the last three months. Three months. Yeah, that's kind of like the.   Because so many people are like, they had a heart thing like six years ago. And so I think a lot of my dentists that I worked with were like, we got to stop the blood thinners. But it sounds like it's within three months. Yeah, well, I'm just the time. Like this is general broad strokes. What I'm just trying to say is when you want to expect a no real quick. Got it. Right. So because benefits of stopping a blood thinner within those first three months of an event is very, very risky versus the, you know, the benefit of reducing a little bit of blood coming out of the mouth. Right. Like that's not that bad.   when somebody's had a stroke or a heart attack or pulmonary embolism, a clot in the lung, like we can't replace the lung, heart or brain very easily. We can replace blood a lot better. We've got buckets of it at most hospitals have buckets of it, right? So I'm always kind of leaning towards I'd rather replace blood than tissue at all times. So that's kind of a quick no. If they've had one those events in the last three months, we are really, really gonna watch their brain instead of getting.   root canal, right? Like really worried about them. So you'll just say no. And they could the dentist still proceed with the procedure or would you recommend like a three month wait? Or is it provider specific way the pros and cons because sometimes you need to get that tooth out. Great question. think then it's going to come into clinical. That's that's when you send in the clearance, right? Like, and it's great to reach out to the provider who's managing it for you. But I think it's kind of good to know exactly when you get a quick no quick no is going to be less than three months.   ⁓ Or when it's going to be like a kind of a typical, yeah, no problem. If it's been no greater than six months, they're on the typical anticoagulants or alto eloquence. Nothing crazy is going on for them. You're only removing two teeth. This is very, very low risk. But again, I'd urge everybody to read the ADA guidelines. That way you feel more comfortable with it. I'm not as eloquent as they do. They do a real good job. So I don't want to take any of their credit. I think they do a real good job of simplifying that and making you feel confident with providing.   more timely care for patients. Which is amazing. And Jayce, one last thing. I don't remember what it was. You were talking about the DEA and like six month rule. yeah. Let's just quickly talk about that and then we'll wrap this because this is such a fascinating thing for me last night. Yeah. So when comes to prescribing controlled substances, most providers have to have a DEA license. OK. First of all, though, what's your take on dentist prescribing controlled substances? ⁓ I don't think, you know, I worked on the insurance side of things. Right. And I look at the requirements for the   as the authorizations, what a patient, the criteria a patient needs to hit in order to qualify for certain medications. A lot of times for those controlled substances, they have pretty significant issues going on, like fibromyalgia or cancer-related pain or end-of-life care versus we don't, in all my scanning thread, I don't have a ⁓ perfect picture memory. Sure. But I don't usually see oral.   pain in there. There is some post-operative pain that can be covered for those kind of medications but I really recommend to keep those lower and in fact in a lot of our criteria it recommends you know have they tried Tylenol first, they tried, have they filled NSAIDs or are they contraindicated with the patient. So really they should be last line for patients in my two cents but there's always going to be a caveat to the rule right? Of course. comes through that has oral cancer and you're taking   like that would make sense to me. Got it, so then back to the DEA. Yeah, okay. Okay, ready. So as a provider, you should be checking the, if you're doing controlled substances, you should be checking the prescription drug monitoring program, or sometimes called the PDMP, looking to see if patients are getting ⁓ controlled substances from another provider. So it's really just a check and balance to make sure that they're not going from provider to provider to getting too many narcotics and causing self harm or harm to others.   And so with checking that PDMP before prescribing, I think a lot of providers do that. A lot of softwares that I'm aware of, EMRs, electronic medical records, sometimes have links so that you can do that more quickly. However, I don't think it's as intuitive that they need to be checking that every six months in some states. And like here in Nevada, you're supposed to be checking it every six months, not for a patient, but for your actual DEA registration to see if anybody else is prescribing underneath you. Because if you don't check that every six months, you could get in some serious trouble with...   not only DEA, but even more the Board of Pharmacy and your state. Now, I don't know all 50 states, so I check with your state to see if you need to be checking that every six months, but set an alarm just to check that real quickly, keep your nose clean. ⁓ I've had providers, I've had to remind to do that. And if somebody was using your account, prescribing narcotics, you'd never know unless you went and checked that PDMP.   Yeah, I remember last night you were like, and if that was you, I would not want to be you. The Board of Pharmacy is going to be real excited to find you. So that was something where I was like, got it. So, and we all know I'm big on let's make it easy. And Jason, I love that you love this so much and you just brought so much value today. And like also for me, it's just fun to podcast. fun. Yeah. But I got a nerd out on my world a little bit. Bring it into yours. I work with dentists or at least you know, when I was working in Vascular Clinic all day long. Great questions that would come through. Yeah.   So I think for all of us, as a recap on this is number one, I think setting yourself ⁓ some cadences. So maybe every quarter we check our ADA guidelines and we check our, what is it, PDMP. PDMP. so each state, so they call it Prescription Drug Monitoring Program. We need that. Yeah, but there are different acronyms in different states, though. That's just what it's called in Nevada. I forget what it is in California, but you can check your state's prescription monitoring program, make sure that opioids aren't being prescribed under your name. Got it. So we just set that as a cadence.   We know one to three teeth most likely if they're on a blood thinner is According to the 88 as of today is good to go You know things that are going to get a quick know are going to be within the last three months of the stroke the heart attack or the Clot I'm thinking like the pulmonary embolus. Yeah, that's what we're trying to prevent   Those are gonna be quick knows and then if we're prescribing, let's do QS. We've got quantity is sufficient so that we're not getting phone calls back on those medications that we are. And then on narcotics, just being a bit more cautious. Of course, this is provider specific and in no way, or form did Jason come on here to tell you you are the clinical expert.   Jason's the clinical expert on medications. And if you guys ever have questions, I know Jason, you geek out and you want to talk to people so that anyone wants to chat shop. Be sure to reach out and we'll be able to connect you in. we've even talked about possibly, so let me know listeners. You can email in Hello@TheDentalATeam.com of ask a pharmacist anything. I talked to Jason. I was like,   We'll just have them like send in questions and maybe get you back on the podcast or we do a webinar. But any last thoughts, Jace, you've got of pharmacy and dentistry as we as we wrap up today? No, I think that's pretty much it. So check the ADA guidelines. I think it's really good to have cross communication between professions. Right. If you're working with the pharmacy, CVS, Walgreens or something like that or Walmart, I know that it can be challenging. Right. They're under different pressures. You're under different pressure. So I think ⁓ just coming in with an understanding, not being angry at each other.   you know what mean, is super beneficial and working together. When it comes to it, every dentist that I've talked to is actually worried about their patient. Every pharmacist that I've worked with is really worried about the patient as well. So we're trying to accomplish the same thing, but we have different rules and our hands are bound in different ways that annoy each other, right? Like I know Dr. Jones, want 14 tablets, but you said seven. And I know Common Sense says I should give them 14, but I've got to make that change.   knowing that their hands are tied by the law. They can't use as much common sense, which is aggravating. I mean, that's why I love what I gotta do here. I gotta just kind of help a lot more and use common sense and improve patient care. But those kinds of things I think are really beneficial as you work together and then not being so afraid of blood thinners, right? So I think those guidelines do a great job of giving you confidence and not worrying about the side effects. And there's a lot of things that you can do locally for bleeding.   You have a lot of control over that. I think that's pretty cool, the tools they have. Yeah. And at the end of the day, yes, you are the clinician. You are the one who is responsible for this. so obviously, chat, but I think collaborating, talking to other pharmacists, talking to them in your state, finding out what are the state laws, things like that I think can be really beneficial just to give you peace of mind and confidence. And again, dentistry, are maybe a bit more risk adverse because luckily we don't have patients dying That's great thing. Yeah, that's fantastic. I want my dentists to be risk adverse. I think so too. But Jason, I appreciate you being on the podcast today.   And for all of you listening, ⁓ more confidence, more clarity, more streamline to be able to serve and help our patients better. if we can help you in any way or you've got more questions, reach out Hello@TheDentalATeam.com. And as always, thanks for listening. I'll catch you next time on the Dental A Team podcast.  

The final episode of Dry January is here, and just like last year, we're ending it with an honest conversation instead of a story. During a break from writing petty crime, Trevin spent time reflecting on something he was raised to avoid: politics. Growing up in a polite, Midwestern family, he learned early that talking about politics was seen as divisive, impolite, and unnecessary — a rule meant to keep the peace. But over time, that silence came with consequences. That reflection turned into two personal essays — We Don't Talk About Politics and Why We Don't Talk About Politics — exploring how avoidance shapes families, relationships, identity, and power. The pieces examine how silence can make people vulnerable to misinformation, how overcomplication and busyness discourage engagement, and how institutions benefit when everyday people are taught that understanding politics is “for someone smarter.” In this episode, Trevin and Amanda sit down to unpack those ideas together. They talk about Amanda's early experiences with politics, how each of them was taught to engage (or disengage), and how avoiding difficult conversations doesn't make problems disappear — it just lets someone else speak for you. They also explore how this silence affects more than just families. When any subject is treated as shameful or off-limits — politics, money, masculinity, mental health — people are left unprepared to protect themselves, their relationships, and their futures. This isn't a debate episode. It's a conversation about communication, power, and what happens when “keeping the peace” costs us our voices. If you've ever felt overwhelmed, unqualified, or afraid to speak up because you assumed everyone else had it figured out — this one's for you. Let's talk about politics. https://medium.com/@fiestamaiden/we-dont-talk-about-politics-856dc0a076d1 https://medium.com/@fiestamaiden/why-we-dont-talk-about-politics-e2686d89dba5 Join our Facebook Group: ⁠⁠⁠⁠⁠⁠⁠https://www.facebook.com/groups/livelaughlarcenydoomedcrew⁠⁠⁠ For ad-free episodes and lots of other bonus content, join our Patreon! ⁠⁠⁠⁠⁠⁠⁠https://www.patreon.com/LiveLaughLarceny⁠⁠⁠ Check out our website: ⁠⁠⁠Here⁠⁠⁠  Follow us on Instagram: ⁠⁠⁠Here⁠⁠⁠  Follow us on Facebook: ⁠⁠⁠Here⁠⁠⁠  Follow us on TikTok: ⁠⁠⁠Here⁠⁠⁠  Follow us on Twitter: ⁠⁠⁠Here⁠⁠⁠   If you have a crime you'd like to hear on our show OR have a personal petty story, email us at ⁠⁠⁠livelaughlarceny@gmail.com⁠⁠⁠ or send us a DM on any of our socials! Learn more about your ad choices. Visit podcastchoices.com/adchoices

Send us a textIn today's episode, I'm chatting with Susan L. Combs. Susan is the President of Combs & Company, a full-service insurance brokerage firm based in New York City. She started the company at just 26 years old with a drive to “do more, do better.” A self-described Missouri girl in a New York world, Susan draws on the lessons of her Midwestern upbringing and more than two decades in NYC in her book, Pancakes for Roger. The insights in these pages come from family, friends, colleagues, and life in general—but the most important teachings are from her late father. When she's not running her business or helping others navigate challenges, you can find her flipping tires at her CrossFit gym, cheering on the Missouri Tigers, KC Chiefs, and Royals, or slaying the dragons that have come her way.Episode highlights:What it really looks like to own four businesses and manage them with intention.How a book that began with one chapter about her father became a collection of his wisdom—“Dad-isms”Why writing Pancakes for Roger pushed Susan far outside her comfort zone and how that stretch sparked growth and change.The importance of having creative outlets, even (and especially) for high-achieving business owners.Growing up in a family that believed if you have good advice, it's your duty to share it.Reflections on legacy, gratitude, and being able to say she has no regrets about her relationship with her father.Susan's book flight of impactful reads that have shaped her leadership, creativity, and perspective.This episode is a thoughtful conversation about leadership, courage, creativity, and the enduring influence of the people who shape us most.Connect with Susan:WebsiteInstagramBooks and authors mentioned in the episode:Crescent City by Sarah J. MaasPhillip Margolan booksThe Let Them Theory by Mel RobbinsThe Rose Code & The Alice Network by Kate QuinnThe Library Book by Susan OrleanGone Before Good by Harlen Coben and Reese WitherspoonVerity by Colleen HooverBook FlightSigns: The Secret Language of the Universe by Laura Lynne JacksonAmerican Sirens by Kevin HazardPancakThe 2026 Bookish Flights Reading Challenge is here - a simple, nostalgic way to be intentional with your reading. One book per month, with options for individuals and families. Download it at https://www.bookishflights.com/read/2026readingchallengeSupport the showBe sure to join the Bookish Flights community on social media. Happy listening! Instagram Facebook Website

Ted Dabrowski is a former leader of a conservative research publication. He's one of four people running for the Republican nomination in the race for Illinois Governor. Dabrowski shares his vision Illinois and why he thinks he's the best choice to run against Governor JB Pritzker in November.

Are MMM listeners desirous to hear from the builder of a multi-billion-dollar investment complex, or from a guy who effuses about Dr. Dre's iconic debut album?  If so, our conversation with Jack Glover checks both boxes….and then some.    Jack is Founder and Managing Partner of Incline Equity Partners, a PE firm with over $6.5 billion in committed capital.   Today, Incline is investing out of three vehicles maintaining the firm's historic focus on differentiated distribution and service firms of varying size.  Discussion begins with Jack's Western Pennsylvania roots  – Pittsburgh childhood, college at Duquesne, first job at Westinghouse Credit.  The theme of Midwestern values returns as a core aspect of Incline's evolution and culture.  Jack's enthusiasm for Dr. Dre's seminal first album “The Chronic” is one highlight of many diversions into music, gambling and other esoteric subjects. 

Greg Nye introduces himself and Mountain View Dairy, where he manages three facilities and associated farm ground. He outlines the design and construction timeline of their fully enclosed feed center and shares the three primary benefits behind the project: reduced shrinkage, improved ration consistency, and enhanced employee safety. (1:41)Greg explains how external receiving and intentionally separated traffic flows eliminate cross-traffic between loaders and delivery trucks, which significantly improves safety and efficiency. The group discusses early design considerations, lessons learned from other operations, and how “R&D” (rob and duplicate) helped shape the final layout of the facility. (2:32)Scott and Walt introduce footage showing how feeds are received, stored, and staged. Greg walks through the grain elevator, unloading, conveyor systems, bay storage, and handling efficiencies that minimize ingredient touches. (5:03)Greg explains how strategic ingredient placement and facility layout shorten cycle time for high-use ingredients while maintaining flexibility for premixes and specialty feeds. He then goes into inventory management strategies, including rotating bins, tracking shrinkage, and maintaining ingredient freshness. (6:32)The conversation shifts to dust control and shrink reduction, highlighting the enclosed facility design and the use of an industrial baghouse system to recapture nutrients. Feed processing is simplified by reducing complex operations to just a few controls. Greg highlights the impact of reducing corn handling to a single touch and how it accelerated ROI.  (8:28)Finally, Greg discusses ration delivery innovations, including feed staging on conveyors and a custom delivery box that allows multiple loads to be staged and delivered efficiently. He shares how learning from other operations and refining those ideas to fit their scale and how it played a critical role in designing a system that maximizes efficiency without sacrificing flexibility. (15:08)As we look ahead, join us for the next Real Producers Exchange on Tuesday, February 17, 2026, featuring Skylar Gerke, an Arizona dairyman with Midwestern roots. Skylar brings a unique perspective on what it's like to transition from Midwest dairying to operating in the West. Registration is now open at balchem.com/real-science or agproud.com/real-producer. And as always, thank you to Walt for riding shotgun once again, and to our loyal listeners—thanks for being part of the journey. (20:39)

On this episode, presented by Busey Bank, I'm sitting down Julie Shih, the visionary behind DD Mau Vietnamese Eatery. Julie opened her first location in 2018 with a mission to deliver fresh, healthy, and flavorful Vietnamese cuisine in a fast-casual setting. Eight years later, she's making bold moves—relocating her Webster Groves restaurant into a stunning 6,000-square-foot space that she and her husband purchased and completely renovated.   This isn't just a bigger kitchen and more seating—it's a statement about growth, ownership, and long-term vision. In this episode, we'll dive into what it takes to make a seven-figure investment in your brand, how Julie balances risk and opportunity, and what this expansion means for the future of DD Mau. We'll also explore her approach to scaling without losing the soul of her concept and the lessons she's learned as a leader in the competitive restaurant industry.   I'm also excited to welcome a new partner for the show - The Normal Brand - clothing rooted in Midwestern values. Co-founder Jimmy Sansone joined me awhile back (episode #67) and I'm a big supporter. They're giving listeners 15% off one purchase of regularly priced clothing. Just use the code BAKEDIN at checkout. Head to thenormalbrand.com and find your new favorite fit.  Let's roll... #podcast #ddmau #webstergroves #joshallen #companionbaking #stlouis #stlmade

When I attend birding festivals, I love to go out on tours. There's nothing like loading into a van with five or ten other bird enthusiasts and a couple of guides and see what we discover together. Plus: the guides carry the big, heavy spotting scopes, which is a nice perk on a long, hot day. I don't usually look into who my guides are before I sign up for one tour over another—I figure that if they've been hired, they're qualified and know the area, and that I'll have plenty of time to get to know them over the course of our day.Last November I went to the Rio Grande Valley Bird Festival. Highly recommend—it was so well-organized that there were volunteers standing outside of the tour vans at 5:30am just to hand out free lens wipes and make sure we had enough water! A great festival with astounding birds, many of which are found only outside the US and in the Rio Grande Valley.One day I signed up for a “Big Day” trip—a full day of friendly competition. Ten or so vans filled with birders trying spot as many birds as we could within a specific window of time. One of my guides on that day turned out to be Derek Sallmann.Derek is the co-founder of Badgerland Birding, an organization that does everything from education to conservation to tours. He has a delightful, educational YouTube channel that's well worth perusing, and a podcast as well.I didn't learn any of this until I Googled him. In typical Midwestern fashion, Derek would never toot his own horn. In fact, I didn't even think to look him up until our group stopped to try and find a Common Parauque and a nine-year-old birder from another van came up to us, looked at Derek, and said, “It's YOU! I watch you ALL THE TIME!”To be on a tour with a fellow Wisconsinite warmed my heart, and Derek was a wonderful guide through the Rio Grande Valley. I am delighted to know that Badgerland Birding exists, and I know that you will be, too. Join us as we learn from Derek about the birds of Wisconsin, what makes a good birding guide, and what he hopes to accomplish in 2026. Get full access to Keep Looking Up at courtneyellis.substack.com/subscribe

Just in time for a Midwestern blizzard (literally!), it's winter horror classic The Shining. Join Juliet and Theresa to talk about the most-talked about horror film, how the pandemic has altered their perception of certain moments, and why Shelley Duvall and her character Wendy Torrance deserve more respect. CW/TW: mentions of domestic violence and child abuseBuy us a coffee!Become a Patron!Theme music: "Book of Shadows" by Houseghost (Rad Girlfriend Records) Hosted on Acast. See acast.com/privacy for more information.

-The media is melting down as crime plummets, arrests skyrocket, and Rob gleefully documents every statistic that ruins a Democrat's day. -Tony Kinnett joins on the hotline, delivering sharp commentary, Midwestern charm, and the word “hullabaloo,” which Rob notes is still legal tender in Indiana. Today's podcast is sponsored by : RELIEF FACTOR - You don't need to live with aches & pains! Reduce muscle & joint inflammation and live a pain-free life by visiting http://ReliefFactor.com SHOPIFY - Stop waiting and start selling! Sign up now for your $1/month trial at http://shopify.com/newsmax BIRCH GOLD - Protect and grow your retirement savings with gold. Text ROB to 98 98 98 for your FREE information kit! To call in and speak with Rob Carson live on the show, dial 1-800-922-6680 between the hours of 12 Noon and 3:00 pm Eastern Time Monday through Friday…E-mail Rob Carson at : RobCarsonShow@gmail.com Musical parodies provided by Jim Gossett (http://patreon.com/JimGossettComedy) Listen to Newsmax LIVE and see our entire podcast lineup at http://Newsmax.com/Listen Make the switch to NEWSMAX today! Get your 15 day free trial of NEWSMAX+ at http://NewsmaxPlus.com Looking for NEWSMAX caps, tees, mugs & more? Check out the Newsmax merchandise shop at : http://nws.mx/shop Follow NEWSMAX on Social Media:  -Facebook: http://nws.mx/FB  -X/Twitter: http://nws.mx/twitter -Instagram: http://nws.mx/IG -YouTube: https://youtube.com/NewsmaxTV -Rumble: https://rumble.com/c/NewsmaxTV -TRUTH Social: https://truthsocial.com/@NEWSMAX -GETTR: https://gettr.com/user/newsmax -Threads: http://threads.net/@NEWSMAX  -Telegram: http://t.me/newsmax  -BlueSky: https://bsky.app/profile/newsmax.com -Parler: http://app.parler.com/newsmax Learn more about your ad choices. Visit megaphone.fm/adchoices

Increasing power prices are a hot topic in the United States. Last week the Trump administration, eight Democratic governors and five Republican governors announced a plan to protect households in mid-Atlantic and Midwestern states from paying more for electricity because of electricity demand from data centers. Join host David Sandalow as he talks with Peter Fox-Penner, a leading expert on electricity markets, to discuss the causes of power price increases, the role of data centers, the recent bipartisan agreement in the PJM region, and more.   This material is distributed by TRG Advisory Services, LLC on behalf of the Embassy of the United Arab Emirates in the U.S.. Additional information is available at the Department of Justice, Washington, DC. Learn more about your ad choices. Visit megaphone.fm/adchoices

Increasing power prices are a hot topic in the United States. Last week the Trump administration, eight Democratic governors and five Republican governors announced a plan to protect households in mid-Atlantic and Midwestern states from paying more for electricity because of electricity demand from data centers. Join host David Sandalow as he talks with Peter Fox-Penner, a leading expert on electricity markets, to discuss the causes of power price increases, the role of data centers, the recent bipartisan agreement in the PJM region, and more.   This material is distributed by TRG Advisory Services, LLC on behalf of the Embassy of the United Arab Emirates in the U.S.. Additional information is available at the Department of Justice, Washington, DC. Learn more about your ad choices. Visit megaphone.fm/adchoices

Hour 4 continues with Jimmy Failla joining Marc Cox to discuss his upcoming show at the factory in Chesterfield, New York City winters, and the quirks of Midwestern snow. The conversation touches on Failla's experiences in radio and TV, humorous anecdotes from his taxi-driving days, and the ongoing content generated by President Trump, including the recent Greenland and NATO remarks. They also discuss media narratives around Trump, including dementia claims, and the impact of political coverage on comedians like Failla. The segment ends with a reminder about his Saturday performance and preview of the next guest, Taylor Riggs. #MarcCoxShow #JimmyFailla #Trump #PoliticalComedy #TalkRadio #Chesterfield #Snowstorm #MidwestHumor #Davos

This episode is dedicated to Disorder's only ‘Founding Sponsor', Greg Merriman, who passed away from Pancreatic Cancer last week. He was a software entrepreneur, a wine lover, and an American-Anglophile. To Jason's mind he was a classic example of that old time Midwestern decency, which the world is sorely lacking these days. He was a true Mega Orderer and will be sorely missed. This week, Jane and Jason analyse the endgame scenerios of Trump's sabre rattling over Greenland and what the protests in Iran might lead to. They sketch opportunities for how the Europeans could step up and lead at this moment – if only they chose to. And as they Order the Disorder, Jane discusses Donald Trump's disregard for international law and how we could try to make International Law Great Again. To join our Mega Orderers Club, and get ad-free listening, like the true Mega Orderer Greg Merriman, visit https://disorder.supportingcast.fm/  Producer: George McDonagh Subscribe to our Substack - https://natoandtheged.substack.com/ Disorder on YouTube - https://www.youtube.com/@DisorderShow Show Notes Links: To join our Mega Orderers Club in honour of Greg, for ad free listening and early release episodes, visit https://disorder.supportingcast.fm/ How Marco Rubio Went from “Little Marco” to Trump's Foreign-Policy Enabler: https://www.newyorker.com/magazine/2026/01/19/marco-rubio-profile  For More on Greenland: https://x.com/ilvestoomas/status/2011593795373318648?s=46&t=Tbkgp9CYb-P2gQf2YVZ19g  https://www.theatlantic.com/ideas/2026/01/trump-greenland-risk-global-conflict/685616/  Learn more about your ad choices. Visit megaphone.fm/adchoices

Hot Dateline Month has delivered sultry swaying palms and bleak Montana highways. Now it's time to head to an affluent Midwestern suburb where  — wait for it! — a seemingly idyllic marriage is not all it's cracked up to be. You know it's going to be a doozy when the narration begins by describing the episode as "One of the strangest stories we've ever had on DATELINE." Enter episode 4 of season 29, entitled "Sex, Lies And Murder" where you'll meet Jane and Bob Bashara, the couple who has it all — including a semi-secret BDSM dungeon Bob keeps in the basement of one of his rental properties. And does this case hinge on the ick-factor-disapproval of suburban sensibilities? On this particular question, Christopher and Eric aren't sure they agree.

One of those great and comforting Midwestern dishes that's best enjoyed with, or given for, people you love. Best served without ice. (Noah thought he'd be less angry when he sat down to write this description, but he's not. We promise the episode is funnier.) Relevant links: Fundraiser for Marimar Martínez ($6.6K / $10K) Fundraiser for Keith Porter's Daughters ($302.9K/$350K) Fundraiser for Becca Good ($1.5M/$50K) Compilation of various funds defending Minneapolitans from the occupation: Stand With Minnesota

Milk production is up 4.5% — but somehow, milk is clearing. Something doesn't add up. In this episode of The Milk Check, the team uncovers the shifts reshaping dairy economics in 2026. Ted Jacoby III leads a classic market roundtable with the Jacoby team to unpack what they're seeing as dairy transitions out of the holiday demand season and into early-year reality. Despite 4.5% year-over-year milk production growth, milk is clearing in many regions. Cheese and butter markets are under pressure, but inventories aren't yet burdensome. Protein markets remain tight. And nonfat dry milk is showing surprising strength. So what's going on? In this episode, we cover: Why added processing capacity may be masking where supply is really long How cheese and butter are absorbing milk that would normally back up at the farm Why protein demand is tightening skim solids and whey markets Whether nonfat's recent rally is real or a phantom And which dairy market narratives the team thinks are wrong right now If you're trying to make sense of conflicting signals across milk, fat, protein and powder, this episode delivers the context behind the numbers. Listen now to The Milk Check episode 90: The Market is Lying to Us. Got questions? We'd love to hear them. Submit below, and we might answer it on the show. Ask The Milk Check Ted Jacoby III: [00:00:00] Am I just being a conspiracy theorist? Diego Carvallo: I would probably bet a little bit on that conspiracy theory. It could be. It could be possible, Ted. Who knows. Ted Jacoby III: Welcome to the Milk Check from TC Jacob and Company, your complete guide to dairy markets, from the milking parlor to the supermarket shelf. I’m Ted Jacoby. Let’s dive in. We’re on the new side of the New Year. It is January 12th. we’re gonna have a classic market discussion today. Things have started to settle down from the holidays and I thought it would be a great idea just to share with everybody what we’re seeing in the markets as we’re transitioning from the high-demand season into the low-demand season. We have our usual suspects today. We have my brother Gus who manages our fluid group. We’ve got Josh White, head of our dairy ingredients group. We have Joe Maixner, head of all of our butter sales. Mike Brown, our Vice President of Market Intelligence, and myself. So, we’ll start with milk, Gus. What’s it look like right now? Gus Jacoby: It certainly isn’t tight, but it isn’t really long either. I think the November milk production was up [00:01:00] 4.5% and that typically would be fairly significant in areas where there isn’t a lot of additional processing capacity. One would think it would be very, very long with that kind of growth, but we’re not seeing that. Areas like the upper Midwest, Mideast, those areas are not as long as we thought they would be. I don’t want to act as if it’s tight. That’s not the case. Through the holidays, there was still plenty of milk that was around. But I think here as we climbed out of the New Year holiday and into mid-January, things have gotten fairly what we would say in balance. And that’s a little bit alarming considering that type of milk production growth. Ted Jacoby III: Why do you think that is? Is it just all the new capacity from all the new plants that have been built, or what else is going on? Gus Jacoby: Well, certainly in that western, upper Midwest and Southwest region, upstate New York as well, there’s been a lot of processing capacity that’s been added. So, those areas have been able to soak up that extra milk. I think milks travling a bit but I also think folks have found a little bit more efficient avenues to place the milk after dealing with some length over the past year [00:02:00] or so. But there’s a little bit of a question mark I have in the back of my mind as to how efficient we’ve been able to do so. Typically, when we have this kind of large growth, anything north of 4% is large, and large enough to be concerned about. But nonetheless, the processing capacity is significant. We don’t wanna discount that. But one can certainly wonder why in areas like the Mideast, where you haven’t really added a lot of production capacity here recently, why we aren’t seeing a bit more milk floating around. Ted Jacoby III: You think it’s just domino effect type things? Where, as milk is tighter in New York, so none of that milk is going into the southeast or into Appalachia, therefore it’s gotta be pulled from the Mideast? Gus Jacoby: Ted, that might be a part of it. I think domino effect is certainly going on here. There’s some areas of the country that don’t have enough milk because of that additional capacity we discussed. But having said all that, I think there’s some question marks out there right now as to why it isn’t a bit longer in certain parts of the country. Ted Jacoby III: What about some, I’ll call it non-traditional demand growth, and what I mean by that is things [00:03:00] like ESL or some of the protein drinks? It looks like there have been new brands showing up on the supermarket shelf lately. Gus Jacoby: If you’re alluding to areas like UF milk or high-protein fluid products there is certainly a lot of demand in that Class I, Class II segment of our industry. Add in the fact that you have a lot of demand for fortification solids for cheese plants, skim can seem a little bit tight right now, and there’s some logic behind that, but I don’t think there’s enough ultra filtration capacity right now to satisfy demand. So, if milk is going in that direction, there isn’t enough UF units out there, I think, to fill that void. And I wouldn’t say that’s the reason why we’re tightening up milk supplies by no means. In some parts of the world, yes, that might be the case, but that’s pretty small in the grand scheme of things. Ted Jacoby III: On the fluid side, is skim solids slash dairy protein tighter than the butterfat side? Gus Jacoby: Absolutely it is. Yes. I don’t think there’s any question about that. You’ve got two things driving [00:04:00] that. Too much butterfat requires cheese plants to gather more fortification solids, and the demand for protein right now is through the roof. You’re gonna have it hit from both sides and they’re hitting pretty strong. Ted Jacoby III: Could that extra skim solid slash dairy protein demand be what’s tightening up the milk market? Are we seeing it, for example, in lower cream multiples? Gus Jacoby: There still is plenty of cream around, to answer that question directly. I just don’t think there’s enough UF processing capacity at this moment in time to say that it’s tightening milk by any means. Ted Jacoby III: Could it be cheese plants taking the milk directly off the farm but spinning off a lot more cream? Gus Jacoby: I would say some of that is gonna go on. Yeah. ’cause there’s not enough fortification solids to be had, or at least not at the price the cheese plants are gonna be happy with. Cheese plants, even though they might prefer UF at times, they’ll take different types of skim solids and that certainly will tighten up that skim side of the market. That, combined with the fact that the protein sector is short, certainly you’re gonna have that element in our [00:05:00] market right now. I just think there’s enough milk out there, Ted, and not enough protein, isolation capacity of any sort to be the main reason as to why you’re not as long on milk as you think you should be. Ted Jacoby III: You know, I’ve had a theory going for a little while that all this extra capacity we’ve added, a lot of it is cheese capacity, and I feel like this time around, we’ve just transferred where we’re feeling the length. We’re not necessarily feeling the length in milk like we usually do. Instead, there’s enough processing capacity to get all that milk and to make cheese out of it. And therefore, we’re seeing the length in cheese, and we’re seeing the length in butter. And that’s why those two markets have been under so much pressure lately, whereas the milk market seems to be in balance. We’ve just moved down the supply chain a little bit where the length is manifesting. Does that make sense? Gus Jacoby: A little bit? Yeah. Mike Brown: It Does Make sense. Where you have new plants, they wanna be full. They’re cheese plants. They’re gonna try to fill those plants with milk to the extent they can market product, which is becoming a [00:06:00] concern as we see the CME cheese price continuing to drop. We’re also reaching a point when fat is very high, you can’t afford to fortify cheese vats because your skim solids price is high relative to fat. Right now everything’s kind of low, but powder relative to cheese, is as high as it’s been in quite a while. If you have revenue from waste stream, fortifying with nonfat or skim solids makes a whole lot of sense. But if you’re paying that full price for the casein portion of that skim, it gets closer again now too. It’s a little different situation than it’s been in a while. I don’t think Gus could be any more right about the need for more ultra filtered capacity. I’m just curious where it’s gonna show. Because the demand certainly seems to be there. Ted Jacoby III: If there’s one place where I think maybe we’re underestimating demand, it’s in that ESL protein space. And I agree with Gus, there’s probably not enough capacity to really manifest all of that resting demand or untapped demand, but I bet we’re maximizing that supply chain everywhere we can, especially given what we’re seeing in the whey protein [00:07:00] market right now. And it doesn’t show up in the data really clearly. You’re up four and a half percent in milk. Some of that is, we’re still measuring against weakness and we’re measuring against the bird flu outbreak that was happening a year ago. I just think there’s also some demand there possibly in that space that isn’t really showing up in the data in a way that makes it clear to everybody we’ve got some good demand in a couple of places. Having said that, I also think we’ve got more than enough cheese right now. We’ve got more than enough butter right now. But in both cases, and I’m gonna throw this at Joe I don’t think the inventories, at least what’s showing up in the cold storage data is telling us the inventories are burdensome yet. And that might just be when we are in the calendar, but it could just be we’re finding new places for demand. Joe, what are your thoughts? Joe Maixner: Yeah, inventories are definitely not burdensome right now. We’re coming off of pretty good draw down over the holiday season. Obviously, we’re really early into the inventory build period. But demand overall, coming back from [00:08:00] the holidays here, has been pretty strong out of the gate for the New Year. Everybody’s coming back to the office. They’re seeing these very depressed prices. And there’s been a lot of interest in both spot volume, building up some inventory on some spot buys, as well as some additional contract volume for the remainder of the year. So, going back to your comment on inventories, the one thing we always have to keep in mind with looking at cold storage is that number is all types of butter sitting in warehouse inventories. When it comes to pricing, the only thing that matters is 80% CME eligible bulk. We still have a fair amount of salted bulk, especially the older production, in people’s hands, and that has been showing up in the marketplace. A lot of that’s because there was not a lot of micro fixing for the holiday season. Cream was plentiful. People were making plenty of product outta fresh cream as opposed to reformulating that older butter into the retail pack. I think that there’s not a lot of fresh production being made right now [00:09:00] in the salted variety. We could see a nice little price pop here in the coming months once that older product becomes ineligible on the CME. Ted Jacoby III: It’ll be interesting to watch. It’s funny, I think there’s some interesting similarities, not with the old crop, new crop issue, but just some similarities on the cheese side. There’s an old saying about an anticipatory bull market where people start driving up the price ’cause they’re afraid of not having product tomorrow. This just feels like an anticipatory bear market where the inventory levels in cheese aren’t saying that we’ve got a massive amount of length and oversupply of cheese. But you can’t help but wonder if the reason the price is so low is because there is no one out there, both because they’re looking at their forecasted demand for their product and they’re looking at the forecasted milk supply, there’s just no one out there who has any worry about being able to get the cheese they need tomorrow. And so there’s no reason for them to go out there and buy the cheese today and tie up their capital when they’re pretty confident they’re gonna be able to get it tomorrow, maybe even at a lower price. And I get the feeling that there’s some similarities [00:10:00] in the butter market, too. But let’s switch over to the powder side. We’ve been talking about the strength in the protein market for a while, but lately we’ve been seeing some strength in the nonfat market. Diego, is that real strength is that long-term strength? Have we found a bottom in nonfat, what’s going on there? Diego Carvallo: Ted, it’s a very, very interesting question. It’s something everybody’s discussing and commenting about, right? The nonfat market feels like it’s way tighter, the spot market, than what most people were expecting. Right. And the funny thing is everybody has a different theory on what could be happening. We’re not sure what’s gonna happen in the coming months, but there’s definitely a few theories on why this market could be tight and why we’re seeing this kind of short covering rally that we saw in the past two weeks. There’s theories about more UF capacity in areas like the Midwest, which is creating a premium for that product in that region. There’s also theories of some plants in California [00:11:00] mainly being down during the months of November and October, which could have also created a shortage of product that needed to be delivered. Some point also to Mexico or the domestic market stepping in when prices reach the $1.10 or $1.15s and buying decent volumes. But the fact of the matter is, market is a little bit tighter, way tighter than what most anticipated at this period. At the same time, most people are expecting because of ample availability of milk in regions like California, that the market is gonna have to start building inventories because we are, I don’t know, 15 cents or 20 cents higher per pound than Europe. So we’re definitely not gonna be able to export a lot of product to Asia, to the Middle East, or to even Latin America at these prices. So, yeah, the market is tight, but the medium-term outlook is still that we’re gonna [00:12:00] see plenty of pressure. Ted Jacoby III: Any difference in price right now between skim milk powder and nonfat dry milk? Diego Carvallo: That differential between the two has shrank has been smaller because if you talk to most plants in California, everybody’s running nonfat at full capacity. Their plants are almost all of them at full capacity and nobody’s making skim this time of the year. It’s a throughput matter. They try to make as much nonfat as possible when they have plenty of milk. Ted Jacoby III: Interesting. You’d think if prices were going up in the U.S. but not going up in Europe, it would widen, but it’s actually shrinking. That’s wild. Diego Carvallo: Exactly. Yep. And with the U.S. making a lot of nonfat, all of that is gonna go into NDPSR, there should be pressure. At the same time, this week we have the ONIL tender, which most of the market is expecting a result and following it closely because if Europe doesn’t sell that tender, they’re gonna have more product and more pressure on their product. Ted Jacoby III: Makes sense. [00:13:00] Well, Europe’s had some surplus milk as well. Is it possible this market in the U.S. is popping because some of the European traders want it to pop so they can make sure that they clear the excess European product? Or am I just being a conspiracy theorist? Diego Carvallo: I would probably bet a little bit on that conspiracy theory. It could be. It could be possible, Ted. Who knows. Ted Jacoby III: Got it. All right. Sounds good. Josh, what’s going on in the whey market? We just keep talking about tight. Has anything changed? Josh White: No. It remains pretty tight. I think the whey protein demand seems strong. I will say coming into the year I’ve seen more product trade on the spot market, which is interesting. But the tale or the storyline is that that spot trade is still met with good demand and those prices are all still higher than the first quarter negotiated prices to many of the large users, meaning that there’s still good demand at these high prices, and the consumer hasn’t even seen these high prices yet. So it seems like it’s the same in Europe. First quarter is pretty much locked. Second quarter maybe there’s more vulnerability, but at the moment, I think that the [00:14:00] majority of the market would bet that we remain firm through the second quarter maybe even see some higher prices. I think what’s interesting if you look at the market is on the sweet whey powder side, you’ll have Europeans even comment that the whey market is a little bit firm, but they’re quite a bit lower than our price right now. And if you look at the forward futures prices, we have a classic short market. It’s inverted. It’s significantly inverted. And it’ll be curious to see if we really have that much additional sweet whey powder to either move the prices lower or we get enough demand pushback and reformulation to result in some extra product being available. But at the moment, across most of the whey complex it’s fairly firm, which I think tells the story. I mean, we went through the northern hemisphere’s lower milk production months, albeit we’re reporting really high year-over-year numbers, as you commented, compared to bird flu of a year ago in the West. People have had every incentive to place milk in any utilization other than butter and powder over the last few [00:15:00] months, and the market seems to be doing that. In addition to all of the other little comments, it feels like consumers knew that and really ran their supply chains pretty thin. And coming out of the holiday period, there is some short covering happening. Whether that’s just a derivative, speculative position short covering, physical short covering, it’s happening. In addition to that, when we look at the U.S., you can’t paint with a broad brush. The west seems to be running a lot of powder. The Midwest is not. And so that’s created a little bit of a tight situation here. So when you add the demand in Mexico for nonfat you add Midwestern pipeline filling, it’s enough that our spot market is carrying a really big premium to the rest of the world. We’ll see if that can continue as our daily milk production increases seasonally, both here and in Europe. I think that as that continues, as milk goes up, does that directly translate to butter and powder production going up? I would argue at least on some of these products, we know that the [00:16:00] WPI dryers are full. We know the WPC 80 dryers are full. I suspect that the MPC dryers are full and all of the fluid products going into those Class II products are probably full. So we’ll see if the market can handle the seasonal ramp up in production or not. And arguably, I think that’s what most of us are expecting. We’re expecting that we’ve still got plenty of milk. Then that’s gonna have some price pressure. But I also would comment that if we look back over the past few months, demand has been quite good. Global demand has been quite good. The question is, will it continue to be quite good or did we do a lot of buying in the late third quarter and early fourth quarter to refill the global pipeline? Things like Chinese New Year buying things like Ramadan buying and others, and are we gonna be met with an air pocket in demand as we start this year? Don’t know yet. The protein demand isn’t just in dry proteins or in UF for fortified milk. Mike Brown: It’s in yogurts. It’s in cottage cheese. At the same time, ice cream’s lackluster, sour cream is no better. And so that demand for [00:17:00] protein goes beyond just ingredients. On the whey side, boy, we’re gonna have to see a real shift in whey protein prices, wouldn’t we, Josh? We all know those dynamics can shift, but we’re a long ways from that. Other thing in California has got so much milk, they’re running everything full. If you look at anyone you talked the point made earlier, they can’t make SMP right now.They can’t, they are that full to the tilt. In fact, some of them are putting in production control programs again because they’ve got so much milk. Will milk move around, particularly if you can’t find a home for cheese no matter what the price is? Ted Jacoby III: The fact that California’s already running full and it’s the middle of January, which means we probably have at least a month and a half until they hit the peak of their flush. Mike Brown: Absolutely. Ted Jacoby III: That’s a Little bit concerning to me. Mike Brown: Yep. It, it should be to everyone and their spot prices show it. Cream’s been bad, and even the Midwest Class III spots are weak, but part of that’s because the cheese market’s weak. And that lag in Class III, which isn’t picked up in that weekly CME price until next month at the earliest. There’s signs that we’re seeing some shifts in the three four spread. We keep this up, [00:18:00] Ted, it’s gonna go away. Yeah. That may change where milk ends up. Ted Jacoby III: Yep. Diego Carvallo: I have a quick question, Ted. Where do you expect this extra milk in California to end up, because it seems it’s very early. I’m already hearing a lot of milk dumping in California. It seems like we’re at capacity in California. What’s the natural spill over for that milk? Ted Jacoby III: I’ve got two thoughts, but I wanna ask Gus a question first. Gus, if there’s one place where there might be extra UF capacity, would it be in California? Gus Jacoby: Perhaps, but probably not. Relative to demand. It’s limited pretty much all over the country. Ted Jacoby III: Okay. So what I’m gonna answer, in Diego’s question, first and foremost, we’ve lost a lot of milk in the Northwest. Yes. So I wouldn’t be surprised if it heads north on Interstate 10 and ends up in one of those plants in the state of Washington. That would be my first guess. My second guess would be the reason that I asked that question of Gus is they keep the butterfat in California and make butter out of it. Then they ship the UF milk to a cheese plant in the [00:19:00] southwest to extend the cheese yields there. If I were to guess it would happen in one of those two ways. Mike Brown: Diego, what you’re describing is exactly why they’ve put some production quotas back in California because they know it’s gonna get worse. And it makes perfect sense . To me, it’s gonna end up wherever the landed price is the best. On fat capacity, if California has the room to process fat, it’s gonna be in their best interest to process it. ’cause the people that buy surplus fat, outta California, that’s some of the lowest multiples in the country. Even when markets are tight. They’re not gonna wanna send that fat to Utah, Nebraska, or Washington State, or anywhere else if they can process it locally and store it. ’cause it’ll be just moving less water, it’s gonna be mm-hmm. To their benefit. And to Joe’s point. Butter markets are reasonably sound. I mean, they’re lower, but it doesn’t sound like we’re over big supply yet. But one thing we haven’t talked about much is that I think a lot of this price is gonna depend on if we keep exports strong. And that’s one of the big questions we all have. Are they gonna stay? I mean, certainly I think, Joe, listening to you talk, that’s helped a lot in [00:20:00] butter because we’re moving more than 82 overseas and we’re making more of it. On the cheese side. I’m hearing from some of the big cheddar guys that they’re still exporting cheese and relieved to do that. Prices are of course lower, but to me that’s really key. Particularly for products that aren’t as storable as powder. What are those trade markets gonna be? That may impact, where milk goes. Because even if cheese is a buck 30, if you sell it for 30 under, ’cause you have an oversupply, you’ve lost money. So that’s not something you’re gonna wanna do. Ted Jacoby III: All right. Well if I were to summarize really quickly what we’re seeing out there, I would say on the milk side, milk is clearing, which feels a little bit surprising given that we’re up 4.5%, but it’s probably due to all the extra capacity we have out there. However, on the butterfat side cream is long. Butter is long. And while we may get a new crop, old crop pop, the length probably will never fully go away. It just may be how the butterfat’s being processed and maybe we’ll have a temporary tightness in salted 80%. On the cheese side, we’re making a lot of cheese and we’re building inventories. [00:21:00] Mozzarella is feeling longer than cheddar because you can’t store mozzarella, whereas you can park cheddar in a warehouse if you want to, and that’s probably exactly what’s going on in the beginning of this year. Yes, we’ve got some exports but exports are not greater than they were at this time last year, though they may be at comparable levels, at least right now. But there seems to be a concern that that’s not sustainable like it was last year. On the nonfat side, that’s where we have some surprising tightness and we’re watching that market and we are watching it closely because there seems to be conflicting supply and demand indicators regarding where that tightness is coming from. And so our real big question is how sustainable this current tightness is. And on the whey market, whey market is strong. It’s been strong, it continues to be strong, and we haven’t really seen anything yet to change that narrative. And that in general probably sums up our dairy markets. I’m gonna ask everybody one lightning round question. What is one widely repeated dairy market narrative that you [00:22:00] think is wrong right now? Mike, I’m gonna start with you. Mike Brown: I think if there’s anything that is wrong or uncertain is how quick the response is gonna be to really, really low prices on milk supply. I still think we’re gonna take a while to back down and the folks that have really invested in and figured out the beef market are gonna be strong, but people that haven’t done that are gonna really get pummeled. So I think that’s it. How quick will we respond to the lower milk prices? How quick will market respond? It could be quicker than we think. Ted Jacoby III: You think it’ll be quicker. Mike Brown: I think it could be quicker. And I’m a good economist. I’m not gonna say it will, I’m gonna say it could, but yes, I think it could be a little quicker. Particularly with beef, with cull prices so high, there’s incentive to liquidate herds if you don’t wanna milk cows anymore right now. I’m not talking the 10,000 cow herds. I’m talking the smaller Midwest herds. Ted Jacoby III: You got it. Gus, what about you, one widely repeated dairy market narrative that you think is wrong? Gus Jacoby: I always have contrary perspectives on things. I don’t know what to tell you except, back to what I said originally. [00:23:00] Milk is just simply even with high growth production numbers, it’s not as long as some people might think in areas of the country where we haven’t added too much pricing capacity. All right. Sounds good. Diego, how about you? Diego Carvallo: I would say a lot of people are expecting farmers to be losing money at this level, and I think that’s wrong. Ted Jacoby III: They’re still making money. Diego Carvallo: Or maybe breaking even. Ted Jacoby III: All right. I like that one. Joe, how about you? Joe Maixner: I’m gonna buck Diego’s thoughts. I’m gonna go off a nonfat trend. I think that the nonfat market’s gonna continue to trend higher this year as opposed to fall back off. Ted Jacoby III: That’s a good one. That’s a good one. I will struggle with that one, but more power to you. Josh, how about you? Josh White: “This time’s different.” I don’t think this time’s any different than the prior times. I think it’s all perspective. Prices are gonna do what prices do to demand eventually. I realize that we have nuance to our markets, particularly with whey proteins, GLP-1 inspired demand, things like that. But I don’t know that I’m a subscriber to “this time’s different.” Ted Jacoby III: All right. Well, I’ll go ahead and venture mine out there, and I’m gonna have fun with it because I’m gonna [00:24:00] take the exact opposite side of the aisle from Mike and Gus, and I’m gonna say, I actually think this particular drop in prices is gonna last longer than the traditional six months. Usually you see it takes about six months for a market to bottom out and some of dairy farmer habits to change and see the market going back up. But I’m actually on the side of Diego. I think dairy farmers at this price are even still making money because they’re getting so much money from breeding to beef and in some cases from selling their manure. And as a result, their balance sheets will remain healthy. And they’re not gonna be under pressure to exit and sell their cows. I also believe that high beef prices have the inverse effect of what you would expect. And they don’t mean people will sell more cows. It actually means they’ll sell less because dairy farming’s a way of life. And so they’re gonna sell fewer cows to stay cash flow positive rather than more. And so I actually think that this one’s gonna take a lot longer than six months to adjust, but I think what’s really healthy is the fact that we have a diversity of opinions here, which means nobody really knows what’s gonna happen next. Alright guys, I thought [00:25:00] this was a great discussion. And, as it always is in the dairy industry, may we live in interesting times and this one’s not gonna be any different, is it? So thanks everybody for listening in. Great discussion today. Guys, thanks for joining us. Mike Brown: Thank you. Josh White: Thank you guys.

In this episode, Mat McDermott interviews Richa Karmarkar, a Hinduism reporter at Religion News Service, discussing the complexities of reporting on Hinduism in America. They explore the perceptions of Hinduism in media, political biases, and the challenges faced by journalists in accurately representing the Hindu community. Richa shares her background, the importance of nuanced reporting, and the need for greater understanding of Hindu identity and immigration issues. The conversation also touches on key stories from the past year and looks ahead to future topics in Hinduism.Follow: Religion News Service | Richa KarmarkarTakeawaysRicha Karmarkar's journey from a Midwestern upbringing to becoming a Hinduism reporter.The complexity of Hinduism makes it challenging to report accurately.Political bias in media often affects the portrayal of Hinduism.Hindu identity is often linked to Indian politics in media narratives.There is a perception of left-wing bias in journalism.Many journalists lack a deep understanding of Hinduism.Community engagement is crucial for accurate representation.Immigration issues are a significant concern for the Hindu community.Support for political figures can vary widely within the Hindu community.The future of Hinduism in America will involve addressing spirituality and community needs.KeywordsHinduism, media representation, political bias, immigration, Hindu identity, journalism, Richa Karmarkar, Religion News Service, community engagement, cultural understandingChapters00:00 Introduction and Context of Current Events02:39 Richa's Background and Journey in Journalism04:35 Perceptions of Hinduism in Media Reporting07:55 Political Bias and Representation of Hindus10:30 Navigating Hindu Identity and Media Criticism12:31 Left-Wing Bias in Journalism17:32 Understanding Hinduism in Religion Reporting20:23 Balancing Nuance and Reader Understanding23:05 Key Stories in Hindu Community Reporting24:38 The Evolving Narrative of Immigration and Identity29:53 Community Perspectives on Immigration and Solidarity33:53 The Future of Hinduism in America38:51 Engaging with Hinduism Beyond the Mainstream Hosted on Acast. See acast.com/privacy for more information.

Kiera joins Jill Simonds, founder of Savvy Strategic Partners, to talk about all things leadership mindset, including what to do when you feel trapped by your business (Kiera gets personal on this one!), the ebb and flow of motivation, psychology of ownership, and a ton, ton more. Episode resources: Subscribe to The Dental A-Team podcast Schedule a Practice Assessment Leave us a review Transcript:   The Dental A Team (00:01) Hello, Dental A Team listeners, this is Kiera And today it's a special podcast. I was so lucky to be featured on a podcast with Savvy. They are actually a fractional company and we have hired them to get different team members on our team and their founder, Jill Simonds and I got on the podcast and talked about all things from founder mindset to guilt of being an owner to how we stay trapped in businesses. And I just felt that this is such a   poignant and pertinent podcast for all of you. So I hope you all enjoy this episode. I hope you learn a lot. And as always, thanks for listening and I'll catch you next time on the Dental A Team Podcast.   The Dental A Team (00:37) Welcome everyone to vision untethered conversations with inspirational leaders. My name is Jill Simonds, founder of Savvy Strategic Partners. We are a dedicated leadership team of fractional executives. I am so thrilled to introduce my special guest today, Kiera Dent, the dynamic founder of the Dental A Team, a consulting firm dedicated to helping dental practices simplify operations, strengthen leadership and elevate patient care.   With her unique background as both a dental clinician and business owner, brings a powerful blend of insight and business strategy to every practice she partners with. Her and her team have worked with hundreds of practices nationwide to build systems that reduce stress, increase efficiency, and foster long-term success. Kiera, I'm so excited to have you here. Thank you, Jill. Thank you. I'm so excited and honored to be here.   It's fun. love what you're doing out there. I love these kinds of conversations and wow, it's always fun to sit back and hear your own bio. So thanks. It feels, feels a good way to kick off the podcast. Let's hope I deliver up to that, but truly just honored to be here. Super excited and just love what you're doing for all the founders out there like myself. Just helping us get to that executive level that we need when we maybe aren't quite large enough to bring on all these amazing players full time into our company. So just super jazz and excited to be here with you today.   Yeah, me too. I'm excited to get into it. I don't actually think I know your full story and inspiration behind Dental A Team and your purpose and passion. So let's start there. What inspired your journey and how does your purpose align with the unique challenges that you face in scaling a business today? Yeah, well,   Dentistry was never meant to be in my blood. I just happened to be in high school and saw a really fast path to wearing scrubs. thought I can be a dental assistant or I can be a nurse. I don't want to learn the whole body. That's disgusting. Mouth, I could probably handle. So that's honestly what kicked this off. So was in high school. It was a random career. And then everybody kind of teases me because my last name is Dent. It's not a stage name. And I make the joke that's real life. I just had to get three fiancees to get that last name.   That was really what got me into it. I love dentistry. It turned out to be a perfect career for me. And so I did it in high school and then I went to college and college. I actually did an undergrad in marriage and family therapy. I was planning to be a therapist and I remember being, I was interviewing in Oklahoma for grad school and I remember sitting in the interview and I was thinking like, I wonder how that like filling's going. I wonder how that crown prep's going.   And I thought, gosh, this is going to be such a weird world. Like I am trying to like pitch myself to this future college. but I'm thinking about how much fun I had back in the office and how my patients were doing. And so I got a full ride scholarship and I decided to put it on pause. went to, pharmacy school with my husband. and we went out there and we decided we'll put this on pause. We'll see if we can both get into the same school.   But I just realized my heart, my soul, my passion is in dentistry. I'd been a dental assistant, a treatment coordinator, a scheduler, a biller, an office manager, all the pieces. And so when we went to pharmacy school, decided, you know what, I'm going to call around to all of his schools and I'm going to see if we can get a spouse discount if I work at the college. Because some schools, and man, pharmacy school was not for the faint of heart. So I called around and luckily Arizona, they did and Jason got accepted to it. So I was like, all right, sights are on.   I've always been a little hustler. I'm like, sites are on, I'm to get a job at this college. And I just felt truly, truly blessed. So many people tried to get jobs there. All my friends were trying to get jobs there. And I randomly was talking to this lady in the pool at our complex and she says she has nothing to do with me getting the job there. But I fully believe that Laura had a lot of, a lot of strings behind the scenes to get me the job at Midwestern in Arizona. So I a discount on the tuition, which was great.   Um, but I was able to then work at the dental college and that truly is what kicked off this Dental A Team consulting company because I worked at the college for three years, got the, got the discount. And then while my husband was doing his residency, one of the students actually asked me to come and start a practice with her in Colorado. And I thought, Oh my gosh, like good thing I said no to the marriage and family therapy. Like let's go from dental assistant to practice owner three years. Like, let's do this. So   actually helped start a practice in Colorado. ⁓ took our first office from 500,000 to 2.4 million in nine months, opened a second location and I was like hooked on this adrenaline junkie of business ownership. But at the same time, just like we were drinking from a fire hose. My marriage was almost in shambles. I was in shambles. Like I'm 5'8". I was 98 pounds. I was not sleeping. I was up at 2 a.m. staying like up till 10 p.m. Like just it was an exhausting road.   drain, everything was falling apart. And so when I split from that partnership, ⁓ I sat there and I remember just sitting, I didn't know what to do. Like I'd lost my marriage practically. I'd lost my identity. I was like on death row in lots of different facets. And I remember just thinking like, I don't even know who Kiera Dent is anymore. And so I sat there and I was like, well,   I'm going to start a consulting company. Like I love dentistry. If I could help her, I could probably help more people. And I think that this is the fuel of founders where when we're at rock bottom, we've got to have something that builds us into our next version. And that's what Dental A Team was for me. So Dental A Team, say, was built from like the ashes of my life. Like it feels like the Phoenix rising for me. And so I started a company. Like I just, I didn't even know what I was doing. Had no background in it.   And I went and consulted my friend and I was like, I just need to practice on you. I don't even know what I'm doing. And we took his practice and we grew it tremendously. He then introduced me to a consultant overnight. had 50 clients. I started like just making things up as I went. And it was really like an overnight success, but I went from like rookie don't know what I'm doing to this. I know that I can help practices and I want to serve. And I've got all these dentists that are just like these little babies that are going to get.   ripped apart in the industry, there's gotta be a way. And so it's always said, like I always said, I wanted to positively impact the wealth of dentistry in the greatest way possible. And that's what I've said since day one, that's how it is. And now I realize that life is my passion, dentistry is my platform, but changing people's lives, helping them live their best lives. And it's wild that we're even talking Jill, because what you do for me and my business is what I do for dentists. And so it's this weird annoyance to me that I'm like, I can be a miracle grow.   and I can grow dental practices and it can be so fun. But yeah, I have no idea how to do that in a corporate world. And so learning it and evolving, and that's actually how you and I even got together was I needed someone but not a consultant. I was like, listen, I know what consultants do. I am a consultant. Like I need, I need someone with me. So that's how we got here and that's how my passion's been. I don't get to wear scrubs. That's the only bummer. Like the whole story started with scrubs and now you like wear clothes.   ⁓ You can make some really stylish scrubs as part of the entire. I would love to, but I do joke. like, took my marriage and found my therapy background, tethered it with my passion of dentistry and created a company from like just true passion and love. man, it's just been a, I think it's good. We don't know the end from the beginning. So many people want to know that. I don't think knowing what I know now I would have ever started, but I think I needed that as a person.   to build, execute. And I think that that's how founders are. We're just meant to build, we're meant to create, we're to be these creators. And so to build something that's just been magical and changed so many lives, like, gosh, the joy it's brought me has been like a hundredfold beyond anything I could have imagined. ⁓ beautiful story. And yeah, quite funny too, the path ⁓ and steps that you took to get here, but wait a listen. mean, just listen to your intuition.   And it sounds like you have some of those key core memories along the way of like your thought process sitting in scenarios where you're like, wait, is this me? Is this even what I want? And acting on it and taking that initiative and to where it's got you. That's a beautiful story. Thank you. Yeah. Can you share a specific experience from this where you have felt trapped by your business? Every day,   What strategies have you implemented or are you to create space for true growth and scalability? Yes. This is such a good and I hope like listeners, they're probably like, I don't know. I just hope that what I share is making you not feel alone. I think is probably the biggest piece because I hear this from dentists. I'm like, I know I'm not alone and I joined a bunch of groups for it. But ⁓ I say that Dental A Team is a dragon that never sleeps. Like this thing just is a crying baby of   breathing dragon that just never ever stops. And I think that there have been times, so especially last year, last year was like my rock bottom. So technically we're eight years into the company, but like I was partnered with that other guy for five, for four years. So I feel like I'm like five years in on my own trying to do this, even though I know it's like just had a funny path. But last year I hit rock bottom.   Like I went cold turkey. I checked out of work. I remember just being like, I am sick. Like not physically sick, but mentally, emotionally, spiritually, like I'm apathetic to life. Like things just need to shut down. and I'm sure a lot of founders get to this level where you just, you're doing everything. Like the whole company is riding on you and you are so rad that you built this company, but it's outgrown you and you don't know how to shed that and to build and to create and to evolve. And so my, ⁓   And I think it was, I feel like I tell myself lies all the times, which I'm sure most people can relate to of, okay, care, just push through like three more months and we're going to be better. Like three more months, we got to hire three. So you're always in this like, okay, it's going to get better at three months. And then you're like, well, shoot, like this person didn't work out. So I got to keep doing sales or, this didn't work out. So I've got to keep doing this aspect of the business. that could be a me that could be not me, but last year my strategy was like completely checked out of life. I,   came back from a conference, I was so exhausted, so burnout that I just called my executive team and said, all right, you guys have it. Like, I don't want to hear from anybody. Like I put all the things like, here's a lawyer, here's the CPA here. Of course, I'm not just going to let this thing fail, but I needed a complete shut off reset and I slept for 17 hours a day for an entire month. Like it was every day just exhausted. felt numb. felt like I lost like,   The way to best describe it is I felt like I was watching a movie in color that went black and white and that was my life. Like there was no color, there was no emotion. There was no, I feel like I lost feeling to life. And I think that was just coping mechanism to get through. We did a lot of therapy, like lots of different pieces. And I realized like, okay, we got to take care of Kiera first and then we have to get to these spaces. So when you say like, do you ever feel trapped by your business? Yes. Cause it's like, what do you do?   This is a company that's a consulting company built on Kiera. That's Kiera Dent. That's her face. Like, how do you even sell this type of a B2B business to somebody? So I did meet with people. did find two potential buyers. I was like, I need a way out. I need to figure out how do I get rid of this crying baby? Like it's got to just stop, like make the crying stop. ⁓ And then that's where we actually pulled in a traction coach. So Rick, we hired Rick. I was like,   I need someone who's outside of this company who can see it that can also be the motivating voice for my team and help them see like, Kiera can't keep carrying all this. So I will say like Rick was a huge blessing. He came from a great network of people and then the leadership team. was like, we had to have a complete reset of everything's not on Kiera's plate, but I don't think it was all leadership team. think that there's a lot of pieces of Kiera perfection that my ego.   needed to feel important and to be able to let that go. Things aren't going to be perfect, Jill. I still stress like my, I have a little bracelet on that says trust and flow. And that's this year's theme of like, here, you got to trust people and you've got to go with the flow more than trying to curate and force because that's always going to be the hardest path. So, and then we obviously hired you. We hired Jenna who's been a phenomenal fractional. we brought on a CRO.   who's helping in the sales and marketing department. But I also think that businesses when they hit a certain level, they finally have the cash to be able to hire the expertise that you need to bring on. But before that, I was so cash flow scared that I think I maybe held on to profitability too hard rather than hiring help sooner that could have probably prevented it getting that low. So now it's like mandatory, I go to the gym.   three times a week, non-negotiable. have sets time, like we shut off from work every single day at five o'clock. My husband has alarm that goes off and like, we don't talk work. We hot tub every night. Like, I don't think I realized the mental bandwidth that being a founder, operator, doer requires to recharge. And now I'm just like really pro like, no, no, no guys, I don't care what goes on. Like if these things don't happen, I'll fall apart. And that's just, I don't show up the best for anybody on the team. So.   Yes, I still feel trapped. I still wish that some days I could quit my own job. But I think the fact that you can't quit is also a really beautiful blessing because it forces innovation and creation. ⁓ So well said. the help and the support and leaning on others in your circle, finding your people who you can trust.   That's the first step for sure. You're not alone. And the second we realized that, I mean, this it's lonely. It's lonely at the top. And even with a dynamic team, nobody else wears the pressure, the weight, the risk involved like you have to, you know, but knowing that you're not alone and you have a team that you can lean on, the more you can lean into that, grow that, expand that.   It's a give and take and an ebb and flow for sure. It's not linear, but. Yeah. You made me think about my brother-in-law has a very, very, very successful high end builds these beautiful custom homes in Utah. Like one of the top builders he's been on Netflix. Like he just has this very, very incredible company. And I remember when my husband, got married where ⁓ my husband's eight years younger than him. I was like, he's always so grumpy. Like this man is so angry all the time.   And then I realized he's a business owner and he's at the spot that I'm at right now. And I'm like, I am always just like in this space of anger and frustration. And he's actually been this really randomly. He was the one I didn't like. I like, had like clashes when we first got married. I feel like I understand him on an entirely different level now. And I'm like, I get it. Like, I see, I see why you were the way you were. Like it makes so much more sense to me, but he told me, he said, Kiera, the day you become free is the day that you stopped caring so much about.   Like in the day you realize that nobody can take anything from you. Like that is such a freeing moment. So if you do get sued or if you have a teammate that like writes, like last year it was like, we got reviews galore and it's crazy. You can't take those down because if you are a CEO executive, you are no longer a human and that doesn't matter. And I think just like the bullets, we had like a pending lawsuit. We had people writing awful things about me. Like it just felt like it was just this tumultuous tumbleweed.   But I think you go through that and you do build that. I don't want to say it's a calloused soul because for me, feel like becoming angry or bitter is never going to serve. think it's an internal knowing that you have the confidence and the certainty in yourself that no matter what bullets come your way, you are capable of solving anything and everything that comes. I think when you can... Yeah.   navigate enough storms to have that confidence. I think there is so much more freedom in there. And I just think about him, he's so much happier, but he's like, I'm not reliant on anybody for my happiness. No one can take anything away from me. And I'm not dependent on anybody for like this success. And I think that's a, it's a certainty. It's not an air of ego. And I think it could be possibly taken that way. It's an air of confidence and certainty within you that I think then the highs and lows are not as turbulent. And I think that that was   similar to what we were saying, it just becomes a, I think, an evolution of you as a person. And I think that that's ultimately why we all become business owners is for that evolution of soul that we are seeking, that maybe we don't want to go through the process to get there. But on the other side, it's a beautiful version of yourself that's far grander, far more beautiful, far stronger, far more confident than you ever could have imagined yourself being. Yeah. Well said.   That freedom point too is it's almost like a stance of serenity too, because, and if you know, you know, the serenity prayer, it's, is the, the acknowledgement of what we can or cannot control what is outside of us. And when we finally let go of people's perception, what they're going to, what they even think, right? We cannot.   even control as good as of work as we can put forward and as best as we can show up. We can't control others perceptions of us, what they're going to say, what they're going to do with that. And so that level of understanding and acceptance and wisdom to know this is mine, this isn't mine and let go of everything that we carry that, you know, we think we have some control over.   letting that go is ultimate freedom, I think, when we can see, be in that confidence and in a state of serenity. Yeah, the more you let go of that and just lean into what's within our realm and our controllables is the best you can do. And we show up better. Absolutely. That's the trust and flow mindset mantra for this year of   Yeah, there is no pain in change. There's pain in the like resistance to it. And so like you said, it's a surrendering. It's a surrendering of   I think just acknowledging that this is life, this is who you are, this is what you can control. And I never thought that you could really come back from being so low. But you hear it, like you see people, like you hear media talk about it. But I think business owners, someone said once, business is such a spiritual journey. And I was like, how? I don't get it, ⁓ but I do get it.   It's such a spiritual journey. It's such an evolution of soul. It's a surrendering. It's a give. It's a take. It's a beautiful blessing. It's a call. There's so much beauty in it. then I think like, turn it into a puzzle, turn it into a game, turn it into like, how can we make this into more fun? So I started just adding more fun too. was like, why do I need to always be the gladiator? Why don't we just have like a good time and like giggle about all these things?   But I think that that's truly an evolution of you as a person too. I don't think that that is not an overnight sensation. Anyone who tells you it is like, good luck. think that that is, that's a crafted, it's an evolution and it's a beautiful surrender like you said, and grace for yourself and for others. But I feel like the person you become through it is there's so much empathy, there's so much love, there's so much compassion for others that I don't think you get there any other way.   Yeah, that's so true. Having it for ourselves first is so much harder than having that for others. So the compassion and care and giving love of ourselves and acceptance, that's the only way to give it outside of ourselves. So good. What are what are some common psychological barriers either for you or that you see show up? You work with a ton of business owners in very specific industry, too. So   What are some of those barriers you see that prevent owners from stepping back and not being so tethered, you know, to their business? What contributes to that? What are some of the psychological factors, beliefs maybe that we carry that keep us stuck? Yes. And you're right. Like I've coached hundreds and thousands of offices. That's where it's so like.   so aggravating to me to be like, Jill, need help. Like I know how to do this for someone else, but I don't want to do it for my own. I think that there's beliefs of because you're a business owner, you have to know it all. I know that that's like a big one of there's humility, but at the same time you're like, well, I'm in this, I have to figure it out. I think one of my psychological ones that I know dentists have as well is in B2B when you are the service provider, it's,   It's a psychological belief of if you are the product and you step back, how does your business continue? And it's odd because as random as it is, I was able to give up consulting much faster and delegate that, which is shocking to me. think about it often, like you give that up, but you don't give up sales and marketing and reputation. Like it's fascinating to me that I'm like the biggest portion of it and like dentists, they'll hire an associate dentist. But to me, I think those are possibly easier skillsets because I   I have that skillset that I know I can look for it and I can train that and can evolve it versus like sales and marketing in different places. Like, I don't know if I'm trying to figure it out. How am I supposed to coach this up? So I think those keep us stuck. I think there's a, I think there's a, I don't know. I don't know what it is. I feel like it's societal. But I think I'm with this like asking for help or I don't know. Is this weird? Like for me,   I feel like I'm a very highly high capable human. Like we were talking the other day and it was, on client escalations, like it's either the CEO, the salesperson or the consultant, whoever knows them best. I was like, cool. I'm a trifecta. Like no wonder I'm good at this. Like I'm the CEO, I am the salesperson and I am a consultant that I think that there's sometimes this like this weird, because I'm so high functioning and so capable that I should be able to do this and I should be able to continue carrying all these pieces.   Why am I tired? Like get it together girl. And just like, keep moving on. I think that keeps you so bound in. And then truly when I even say that out loud, I'm like, it's just your ego screaming at you, wanting you to feel important. And if you step back at all, I know what I think about stepping back. A lot of my team is the same age as me too. And I sometimes feel very awkward about like, so I'm going to have a CEO lifestyle and not be eight to five with you guys because the business never stops crying.   But it's as weird. Like sometimes I also think I'm tethered and a lot of my doctors are because like same age, same demographic, same, like you feel so similar and so close that it's almost like, why are you better than them? It's so awkward. hate it. Like you can even see I'm like playing with my hair more than I should be like, that's the stress of like, I know what I need to be doing, but I feel like I need to be sitting at the table with them every day and in the trenches with them, but they're not sitting up on the, on the hill looking down the line.   but you feel like you've got to do both. it's this weird, like I said, I don't know if it's societal, I don't know if it's female, I don't know if it's ego. I think it's probably a combination of all, but those are psychological traps. And when I see it in a client, I'm like, all right, great, you need to delegate and we need to like take these things off your plate. But I think when you're a founder living through it or the business owner, I think sometimes it's very hard to even see that ego showing up around you or see where you should let go of things.   And then I think it's a lack of trust. Like I've delegated some of these things out. We've hired, like we have paid, last year was a $300,000 oops. And I hired really great people, but like it just didn't pan. So I think that there's also that like, well, how much do you want to throw at this problem to make it go away versus just continuing to carry the torch? So it's like this ball and chain you get out of it and you get back in it. It's like this weird, awkward relationship with yourself and your business that I think is slightly toxic.   but also very addicting, which is probably why it's so toxic on certain levels. So those are mine. I know that was like a very jumbled thought, but those I think are some of the psychological ones that I've seen personally and professionally that keep people very tethered. But I will say, I like boil it down, it's always ego. Always that keeps us tied in because who are we if we don't have all this busyness badge? think that that feels like a deep hollow dark hole for me anytime I think about it.   So I know that I haven't quite grown enough to see that there's a path out. But I think is also maturity and letting go of the ego. Absolutely. Well, and it's so common. It's really what would I kind of boil down oftentimes to founders guilt, owners guilt, right? You're the hero in a lot of situations or can come in and swoop in and help and   There's an identity crisis piece of it to that ego that's like, well, if I'm not doing all these, if I'm not still holding this, who am I for one? And maybe, maybe internally we have this perception of, and you know, we've, we've grown or we've healed in ways that we know, no, I like, I know I am worthy and valued and valuable outside of what I contribute here. But like, what about what everyone else thinks? Then it's this perception of.   Well, if I'm not doing all these things, what does my team think of me? And are they going to think I'm just off on an island somewhere slacking off when I don't deserve that? Or right, like all these, these guilt trips that founders often carry because we can do all these things. So there's, there's no excuse why we shouldn't or couldn't if we can, therefore we should do them. Right. So we just continue to hold and carry that.   but yeah, guilt, ego, those are definitely some, some key pointers that we see a lot. So, as you said, Jill, it just made me think about like, but why, like, where does this stem from? Because we all feel it like I do. And then I'm like, what, does it matter? So then you justify and you rationalize and you hang out in this other Island. And then it's like, I'm going on vacation because I worked like 50,000 hours. And it's like, there comes a line where I think that that   that serenity, that like, I remember there was a day I had to Google, what does a CEO do? Like, I didn't even know. I was like, what do you, like, what do you, if I'm not doing all the things, like, what am I even supposed to do? But I think when you can, when you realize that your company needs a captain, the company needs somebody looking down the line, you start to shift and change and realize that you've got to start shedding off a lot of these things.   and I think you, you feel the guilt and do it anyway, I think has been my mantra to, don't think it will ever be easy. I think you feel the guilt and do it anyway. For sure. Because that guilt is typically self-inflicted for the most part. If you have the right team around you and in the business that care about and are aligned with the division that you've crafted, that you've put forth, they need that from you.   just as much, right? You stepping away, you coming and showing up refreshed, aware, whole, right? Those fragmented pieces of us when we're scrambling to try to just uphold and keep all the plates up in the air is not the best version of ourselves. And so when we realize that too, and the more the team can even vocalize like, yes, like we need this of you and look at   look at all the places that a visionary needs to show up looking down the line, what's ahead, looking outward and not down and in is that pulls the rest of the energy and the rest of that, you know, that perspective for the rest of the team to see that more and more clearly if that's where your focus is. So you're doing them a favor, you're doing a service. ⁓   Cause every, yeah, every successful business needs someone charting that vision. And that is where your eyes are focused. That is where your pull is going toward that. That is what grows the I think that because it feels like it's just this like vision that's not tangible, I think for me at least, and for other people that often can keep us tethered into the company because it doesn't, there's no way to put on a KPI scorecard that I did my visioning.   for the day. It's like, do I even know that I'm showing up and having that as a checklist? But I think when you really are solid in it and you watch a team who has a vision versus a team who doesn't have a vision, you see the intangible, like it's a subconscious push. It's the wind behind the sails. You can see a sail, can't see the wind, but the wind is ultimately what makes it go. And I think when visionaries realize that you are an invisible, very tangible, intangible part,   I think it becomes much more clear of like, no, I need the white noise space. Like I need these things because ultimately it's my job. And I've got to be able to show up as that wind to push this boat in the direction it needs to truly go. I love that. I'm going to use that analogy. That's so well put. That's a good one. Well, to finalize the conversation today, what steps would you suggest to founders struggling to   let go, delegate, while also maintaining alignment with their vision.   That's a great question, Jill. I feel like such an Oreo. I've got a white side of me and it's a black and white in me. Because I'm like, what would I tell my clients? I would tell clients, the way you are able to step back is we set these pieces and we do all this. And then I'm like, well, let's speak from Kiera's perspective of, I've done this. This is where I'm at.   to step back and what I also watched. So I think they do actually go like, I'm like, okay, I'm not an Oreo. Like I've got both parts of the cookie on. Like I brought it together for everybody here. I think both sides, my side and client side would be, I think having a vision for yourself. When I got crystal clear of where I really wanted to go personally and professionally in the next one, three, 10 years, like I grabbed a big sticky pad. It was written out and I stick it in front of me every single day. So I'm looking at that.   that became a lot more clear. My decisions became much cleaner. So I think it would even tie to the book. Like 10 X is easier than two X when you have this big audacious vision, the path becomes so much cleaner and easier than when you're trying to just do a two X move. So I would say for visionaries who feel stuck, that is ultimately where you're at. If I get your 10 X vision, where is that going? Clean up the paths and stay laser focused on that. And then get your team rally behind it.   They get excited. They get the joy behind it. And I think like, even when I say that, I'm like, the 10X path is just so much easier. It's so much cleaner. It's so much more freeing. And then I think like, again, it's hard, but do it anyway. Right now it's a stripping down of letting go of clients for me. And I feel like such an awkward identity. I'm like, if I'm not a consultant, am I going to lose my edge? And it's like, but I'm so clear on the 10X, the 10 year vision.   that that part has to sheath off in order for me to progress and to grow. And I think when you are aligned, also be really careful not to lose that vision. I lost my leg last year. Like it was still there, but I buried it. think keeping that radiant, keeping that vibrant, keeping that like for me, it's a post-it note on the wall, like a giant one. Like this is where I'm headed. This is where the boat's going. This is where the wind needs to push me and the company. I think that that can help you stay true to you.   It can say true and it makes all the other decisions so much easier because then it's a yes or a no. And if you can get that black and white crystal clear and then truly trust and empower your team, that to me is like, I recognize it's a let go of control. It's a surrender like we discussed earlier and belief in your team that they're going to crush it. And if these aren't the right people, right seat, you're going to find them, you're going to grow, you're going to evolve. But the 10X vision is a non-negotiable.   But it's a 10X vision that makes you happy, fulfilled and not like exhausted, out at the end of the finish line. I think I used to feel it was a muscle through rather than a joyous journey. That 10X vision needs to be joyous journey. And who am I at the vibrant self at the end of it? I'm not going to muscle through anymore. I'm going to gracefully navigate. So I've got energy for me, energy for team, energy for family. because I think if we're not thriving in our businesses, we might as well just go get a job from someone else.   You don't want to have a worse job with you as the boss than you would somewhere else. So hopefully that, but I think it's just crystal clear on where you're enjoy that. ⁓ Kiera, thank you so much for your insights, your wisdom and sharing your heart. just truly and authentically it's beautiful. Thank you, Jill. Appreciate being here. Really, really appreciate what you're doing too. Well, thank you so much.   If anyone wants to learn more about you, Dental A Team and expertise of your team, where's the best place to find you and information or get connected? Yeah. We have a podcast, the Dental A Team podcast. So come on over. We'd love to have you there. Tips for teams and for owners. And then also Hello@TheDentalATeam.com or online, like social, we're on Instagram. Dental A Team would be great. But yeah, love to just share, inspire, help.   because I believe like all of us succeeding together is what this journey is about, but succeeding and being fulfilled. It's not, life should be fun. Owning a business should be fun. It does not need to be hard. So let's make it easy and fun together. ⁓ I love that. Well, thank you everyone for listening. Kiera, thank you again for being here and we'll see everyone next time.

1/14/26 - We'll tell the remarkable story of Venerable Fulton J. Sheen, tracing his journey from a brilliant Midwestern seminarian to one of the most recognizable Catholic voices of the 20th century, and now a man on the brink of beatification. We look at Sheen's years as a professor and preacher, his groundbreaking radio work on The Catholic Hour, and his Emmy-winning television program Life Is Worth Living, which drew millions of viewers each week with nothing more than a chalkboard, sharp wit, and unapologetic Catholic truth. We'll also explore his deep interior life, including his lifelong commitment to daily Eucharistic Holy Hours, his service as a bishop and auxiliary to Cardinal Spellman, and the suffering he endured in fidelity to the Church. Finally, we'll look at the key moments in his cause for sainthood, including the recognized miracle attributed to his intercession and the recent news renewing anticipation for his long-awaited beatification, explaining why Catholics around the world continually turn to Fulton Sheen today as a model of courage, clarity, and joyful evangelization in confusing times.

Midwestern scientists say the Trump administration has brought big changes to their fields in the last year - especially when it comes to climate change.

On this episode presented by Busey Bank, we sit down with  Drea Ranek and Melissa Nieberle, the founders of Lusso Style—a design house that's redefining fan gear for women. What started as a luxury boutique 25 years ago has grown into a national brand partnering with major teams and retailers, from STL CITY SC to Bass Pro Shops. Their mission? To deliver fan apparel that's as stylish and intentional as the women who wear it.   This conversation comes at a pivotal time. Over the last decade, the female fan base in major U.S. sports has surged—NBA and MLS now hover around 45–47% female fans, and even the NFL boasts nearly 80 million women in its audience. Yet for years, women were underserved when it came to quality merchandise. Lusso saw that gap and decided to change the game. Today, we'll talk about how they scaled from boutique to national partnerships, the design philosophy behind their collections, and what's next for Lusso as women's sports fandom continues to rise. And, as a note, my wife Melissa joined me as co-host since she's both a fashion fan and huge sports fan.    I'm also excited to welcome a new partner for the show - The Normal Brand - clothing rooted in Midwestern values. Co-founder Jimmy Sansone joined me awhile back (episode #67) and I'm a big supporter. They're giving listeners 15% off one purchase of regularly priced clothing. Just use the code BAKEDIN at checkout. Head to thenormalbrand.com and find your new favorite fit.  Let's roll…

Re-releasing a DAT listener favorite! The Dental A-Team is joined by Dr. Nate Tilman! Fascinating history aside (read his bio below), Dr. Tilman talks with Kiera about his unique dental practice situation, how he's managed to merge five different practices into his own, and a strategy for doing so. He also speaks to the shifting of culture in his practice, what it took for him to recognize, and the success it's brought. More on Dr. Tilman: Originally from Salisbury, Maryland, Dr. Tilman attended Wake Forest University for his undergraduate degree. He was awarded his Doctor of Dental Surgery from the University of Maryland where he graduated Summa Cum Laude in 2001. Dr. Tilman served in the U.S. Navy Dental Corps for four years, including two years forward deployed aboard USS Ashland (LSD 48). Following his military service, Dr. Tilman moved to Newport, Rhode Island, in 2007 and opened Newport Family and Cosmetic Dentistry. He has had the pleasure to work with an amazing team and amazing patients in creating a state-of-the art, caring, and comfortable dental practice. His commitment to incorporating advanced technologies and techniques allows Dr. Tilman and his team to provide dental treatment in fewer visits and more comfortably than with traditional techniques. Episode resources: Subscribe to The Dental A-Team podcast Schedule a Practice Assessment Leave us a review Transcript: speaker-0 (00:05) Hey everyone, welcome to the Dental A Team podcast. I'm your host, Kiera Dent, and I have this crazy idea that maybe I could combine a doctor and a team member's perspective, because let's face it, dentistry can be a challenging profession with those two perspectives. I've been a dental assistant, treatment coordinator, scheduler, filler, office manager, regional manager, practice owner, and I have a team of traveling consultants where we have traveled to over 165 different offices coaching teams. Yep, we don't just understand you, we are you.   Our mission is to positively impact the world of dental. And I believe that this podcast is the greatest way I can help elevate teams, grow VIP experiences, reduce stress, and create A-Teams. Welcome to the Dental A Team Podcast.   Hello, Dental A Team listeners. This is Kiera and you guys. I love podcasts where I get to bring on offices that I just think are fantastic. So this is an office that we have worked with in the Dental A Team. Also fun fact, he is in the smallest state in the entire United States. So you all know me and my state traveling. His state is one of my hardest states to get to every year, because it's so tiny and it's so far away from me. But he's just one of the best people I've ever met. He's an incredible leader, incredible dentist, incredible just   good human. So I'm so glad and so excited to welcome Dr. Nate Tilman to the show. How are you today, Nate?   speaker-1 (01:27) I am great. Thank you. Thank you. I'm super excited to be here. ⁓ as you know, I've been a fan of the podcast for, know, pretty much since you started. And it's kind of like, it's kind of surreal being, you know, being on, being on the podcast. So I appreciate, appreciate the offer.   speaker-0 (01:44) Well, I love it. love to one it's fun. Thank you for being a podcast fan I mean it's almost coming up on three years of the podcast since we created it and I never would have thought that the podcast could connect me with such cool people so one thank you for being a podcast listener and two things are just being a rad person I I liked the podcast has become a fun passion project for me to meet people to hear their stories   So I kind of alluded to it. You're also doing something similar to Dr. Dave Mogadon, who was on the podcast about those chart ⁓ mergers and buyouts that's kind of helped with your growth, but kind of just tell the listeners like how you even got into dentistry and kind of what your growth trajectory has been, just so they kind of know as a background to today's podcast.   speaker-1 (02:28) Yeah, I'll try not to ramble too much about it. yeah, I went to always wanted to do something in healthcare. My grandfather was a public health physician is a big inspiration for me. So kind of I think it's midway through college decided dentistry is gonna be a really good fit, you know, for a number of reasons. Went to University of Maryland for dental school, loved it decided to stay in general dentistry for   you know, all the variety of what we do. was on a Navy scholarship, so I was able to spend the first four years as a practicing dentist in the Navy. ⁓ Two years I was on a ship as the only dentist. So it was a really good, didn't realize like how helpful an experience that was for like running us an organization, even though it was an organization of three.   speaker-0 (03:14) Yeah, but I also feel like let's just talk about the Navy real fast because I didn't know this about you and my husband and I were literally talking probably two days ago and he said I don't think I ever could do the Navy like put me on a ship with these people for so long and dump me in the middle of the ocean like nowhere to go no hiking like what do you even do? How how was that? feel like more than anything it would teach you mental stamina is what I think I would learn from being on the Navy. But how was it for you? Maybe maybe you guys go swimming every day. I don't know like what do you do all day?   speaker-1 (03:43) Definitely not at all. it was, the two years on the ship was very, it's a super unique experience. And we were a small ship, 400 sailors. We transported Marines. So I was responsible for pretty much 400 patients. had, it was me, I had an administrative assistant and I had two dental technicians that could do some basic hygiene, not a hygienist, but it was me. ⁓   So having to learn like managing supplies and, know, managing appointments and all of that stuff. But the unique thing as a, as a dentist, and mean, this is one year out of a, you know, my GPR. still I was safe, but didn't really know necessarily all what I was doing, but I love to get myself out of jams because middle of the ocean, like. Mid procedure. I'm not going to be the guy calling a helicopter, you know, you got to work through it. So.   speaker-0 (04:40) They're like awesome because it's gonna push your limits and you've got to just figure it out Which I think so many dentists when they do own they don't learn that stamina that stress like hey, it's you figure it out But you're like the odds are even stacked more you're in the middle of the ocean and I mean it would been a pretty cool story for me maybe not for you to hear like a helicopter to come get a patient because you botched a root canal or something like you'd have to figure that out, but that that doesn't definitely up your odds of intensity   for sure being out there and nobody else is there to help you. You're the man. You got to figure it all out.   speaker-1 (05:13) Yeah. And I think it's, while it would have been nice to, you know, if I'd had a situation like, know, where I had a mentor, another dentist I was working with, you know, to be able to bail out, like it have been helpful, but it really, it did, it gave me a lot of, a lot of confidence, um, you know, early on for like, can work my way through this. And then also like what things I don't want to do. Cause I don't want to get stuck in that position again. Yeah. And it was, and yeah, while I didn't have to helicopter anybody out, one of the things I did do, and I don't think at the time, nobody had ever really.   speaker-0 (05:34) True.   speaker-1 (05:42) done it from a small ship or the even smaller ships around us that there were two times where people had some dental emergencies that I was able to fly out to their ship and take care of them.   speaker-0 (05:52) No way. Well, you do have like built in planes. You travel anywhere. So it's like quick, like fly you in, but that's crazy. Cause you ma I can't even imagine the stress that those poor other dentists were feeling of like we're in the middle of here. Like what am I supposed to do? ⁓ I guess call someone else. So, I mean, we talk about dentistry and I've said this so many times, like, feel like dental practices are like these solo islands out there. All y'all just kind of hang in your own area. You literally were in the middle of the ocean flying solo.   speaker-1 (06:22) Yeah. That's crazy. It was fun. There wasn't a ton of dentistry to do. I, know, cool thing with the Navy, they give you other jobs. So I became an air traffic controller. So I was in charge of, you know, all of the flight operations on the ship. so between that and dentistry, it me pretty busy. And then I played a of video games, you know,   speaker-0 (06:41) I'm like, I would be pulling pranks. mean, just throughout COVID, my husband, he makes fun of me. I feel like a roaming tiger in these four walls of our house. Like sometimes I'm like, just let me out of here. Like I can't even handle it. I'm like, I gotta go for a run. I gotta go for a hike that I can't even imagine being on a ship. would be like, I know I'd be pulling pranks on every single person on that ship and just like running for my life. Cause I probably would torment everybody, but air traffic control that like you really went for all the things, Nate, dentistry and air traffic controller.   What don't they say those are the top two suicide jobs? Like you really went for the whole extreme there. Nice job.   speaker-1 (07:15) Well, that's that's like when they selected me to go to the school for our traffic control. What are you guys trying to tell me? You already know I'm a dentist.   speaker-0 (07:23) Gosh, that's crazy. So you were in the Navy and then you went, got out of the Navy. Did you go straight to private practice? Did you go in and be an associate?   speaker-1 (07:32) So I was an associate for a year, still in the Virginia Beach area and then moved to Rhode Island. My wife is, we met in college, I'm two years older, so she was awesome for following me around. then, ⁓ so when she was done with her residency, she's from New England, so we kinda, that's where we looked up here. And I'll tell you, Virginia Beach area, super easy to get a job as an associate, tons of positions around, I figured it'd be the same thing coming up here and there was nothing.   speaker-0 (08:00) mean,   Rhode Island is like the size of a dot on a map. I mean, it's itty bitty, which I makes you a celebrity just because you live there. Like, not many people even live there, so.   speaker-1 (08:11) Yeah, it's in and it's there's there's a number of dentists, but it's it's all solo guys and it's tough like restricted covenants. You know you get a two mile radius. That's the whole state.   speaker-0 (08:21) Exactly   exactly that is you definitely have to look at your associate ships of their contracts really closely Otherwise, you might be booting out of that state just because like you said two mile radius is not far in Rhode Island   speaker-1 (08:34) Not at all. So I ended up having an opportunity to a it's like a four operatory practice, like three, I think two and a half, three days a week. The guy was definitely like on the decline of practice. So jumped into that, had no idea what I was doing. And then six months later, was approached by another dentist who was moving from the area. I think it was a family thing too. And he was having trouble getting somebody to buy   his practice Rhode Island. It's not many dentists moved to the state for a number of reasons. So again, I was still trying to figure out how I was paying my initial loan and how I was running this practice or whatever. the opportunity to buy, to merge this, the patient base. So I did that and it was definitely the best thing I did because it brought in a whole new group of patients. I was able to go from like two and a half days a week to four days a week.   I was able to add another hygienist at the time. so it wasn't super intentional, but the growth was happening. just kind of fell in my lap. I'm like, I'll do this. And looking back, it is where I realized what a good thing it was.   speaker-0 (09:48) For sure. And I hope people listening, ⁓ I am a firm believer that opportunity doesn't always knock on the door and say, I'm opportunity. Sometimes it looks like pure chaos. Sometimes it's stretching you beyond. Sometimes it's really just showing up. I remember the day that I was asked to work with DSI as a consultant. Guys, I had one consulting client before Mark asked me to be a consultant. And overnight, I had 45 clients in my lab. I didn't know what the heck I was doing. But I people listening realize like,   For you, you're struggling. just bought your practice. Don't know what you're doing. Yes, you've had quite a bit of experience, but at the same time, running a practice is very different than being an associate or I'm sure even in the Navy. And so now, and then, hey, by the way, there's all this other patient base wanting to come in. And I love that you just, jumped, you took that opportunity. And I think again, so many times in life, opportunities show up. It's just a matter of, we willing to take them and figure it out or are we too scared and just let them pass by? ⁓   You brought those patients in and you were mentioning pre record that adding in patients from other practices has really been a great way for you to get new patients. ⁓ which people are constantly looking for new patients. was just talking to, there's a guy out here. He's a pathiatrist guys. I'm like, I don't know. I just can't help myself, but help business owners. Like I love it. Podiatry is not that much different than dentistry. Y'all see patients like dentistry, we work on the mouth, but I treat work on the foot. Like   Basically, it's kind of like pediatric. You go to your surgery centers, they come in, you see these patients for their adjustments. But I was talking to him and he's a solo podiatrist and there are two podiatry offices around him that have just shut down doors. So he's like, yeah, it's just great. Like people are finding us and I'm like, did you call those people and ask them for their charts, buy those charts? that is two practices worth of patients that you're just hoping maybe one day will Google you when they're seriously sitting right in front of you. So   I'm super curious. I love this topic. know Dave's talked about it as well, but Nate, how do you buy charts successfully? How do you make that transition? Like Dave was talking about buying so many charts, but kind of from your experience, how do you buy these charts? How do you merge these patients in successfully? And other than just good luck and being in the right place at the right time, finding more of these opportunities. I'm super curious.   speaker-1 (12:04) Yeah, yeah. So for this one, know, having no idea what I was doing, I did have some, think, good advice from a transition attorney that I worked with. initially, the guy that was selling his charts, wanted X number of dollars for his, I think he said, 1,000 active records.   speaker-0 (12:26) And what's like X number of dollars like just give me a ballpark you don't have to say the exact amount but I'm like is it five dollars a chart ten dollars a chart thirty dollars a chart like what   speaker-1 (12:35) If I remember, this was probably 10 years ago, so I believe it was 60 a chart is what he wanted. So I think he wanted 60 million, right? And, you know, I, again, not knowing too much, I definitely knew that those 1,000 people were not gonna come over, right? So I was worried about like, what's the risk? Like, are 10 people gonna come or are 800 gonna come? I have no idea.   Yeah. So the attorney I was talking to, he said, he'd never done it this way. said, but maybe what you want to do is offer a little bit more per record, but only for like a small percentage at first. And then keep track of it over time. And that's what I think I did. It was either a hundred or 120 a chart. And I prepaid for like 300. But then for the next year, I kept track of all the, like once I got above that 300, I kept track of it.   So the nice thing is it limited my, it limited my risk. It put more, I guess, importance or motivation on the seller to really like push his patients to come. Cause the more you make more, the more people that came to see me. So it was a win-win that way. And it also, it let me kind of control that the influx too, because I think if all of sudden I was getting, you know, 800 patients calling all at once, it'd be a little bit trickier to merge this all in.   So that worked out really well.   speaker-0 (14:00) And I'm just curious on that, because this is something else I've been really wondering. After talking to Dave, now meeting this podiatrist, guys, I just love this type of stuff. This is cool business stuff that I feel a lot of people don't talk about. I'm curious, how long was the arrangement? Was it for a year that you would pay him? Was it for five years you'd pay the selling doctor? Because I'm curious, how is the motivation? for me as a business owner, I wouldn't want this to go on forever. I'd want an end date of when I don't have to pay you $120 per patient.   So how is that kind of arrangement set up?   speaker-1 (14:32) It actually, was nine months is what we had set. And I think it could work either, but I certainly wouldn't go more than a year, because it is, it becomes a major pain. And then, honestly for me, as I got close to that nine months, we sort of started slowing down. We strategically scheduled those last few patients in the nine months, but I still had all the records.   speaker-0 (14:54) That's what curious. So did you get all the records? So like you paid this, all the charts come to you, and then the other dentist has good faith that you're going to be honest? Or do they get access to it? Was that what it was?   speaker-1 (15:04) He could have like, had it written. If you wanted to send somebody to audit it, like absolutely. He had access to do that. He just never did. and yeah, we had an initial wave of a lot of people and then it slowed down a bit. And you know, it's, um, I think, I think it ended up, maybe we got 450 out of that thousand. Um, and it and it was close and it was close to that nine months. You know, we were getting close to like 400 and again, I just.   We slowed down a little bit, ⁓ just whatever. But as soon as that nine months hit, then we started re-marketing to the people we hadn't seen.   speaker-0 (15:43) 100   % because then it's like you've got basically 400 patients on recall that haven't been in and so did you guys win it happened and of course you might say things you'd do differently or whatnot but did you have that selling doctor send a letter to all of his patients like hey I'm no longer seeing it come see Nate like he's fantastic or did you guys just pick up the phone and start calling these people what was kind of the strategy of the how-to for you?   speaker-1 (16:07) So he, so he wrote, we both wrote a joint letter, which was good. And then I was able, I actually brought on his, he didn't have an office manager, but it was like his lead front desk and scheduler. So we brought her on. She wasn't a, she wasn't a great, perfect culture fit, but she knew the patients. So that worked. I think she was with us for probably about the nine months.   speaker-0 (16:26) Exactly.   Cause in my mind I was thinking like, that's genius. Maybe you can do like a little like sweetheart deal where it's like, Hey, I'm buying your charts and also your scheduler upfront. Can I just have them like help me call these patients? I'll pay them for a couple of months or whatnot. I don't know. Like there's a piece of me that's like, I could see the pros and the cons of that, but you're right. It's me calling that person who's known these patients for years calling to get them scheduled and help out with that. That's probably again, even if it wasn't a great culture fit, it probably did get more patients in your door.   speaker-1 (16:59) For that initial, yeah, absolutely for the initial. Because they already had the patients pre-scheduled, so they were able, and they know them, it was really helpful having that familiar voice.   speaker-0 (17:09) Totally. Yeah. Clever. Okay. So you went higher than what they're doing, ⁓ which I tell everybody, I'm like these people who are shutting their doors, pretty much any offer you give them is, mean, don't be like a low ball and completely have it feel ridiculous, but they, have no option to sell. There are no options for them to sell. They're not going to make any money. Like that's gotta be a hard reality for that selling doctor to realize like, Hey, I built this business up, but it's not even a sellable product.   So I have no asset anymore. So I'm like, honestly, any money that they can get for these charts, I do think is a good deal and something great for the selling doctor as well. So I don't think it's a ⁓ vicious, like you're taking advantage. I just think again, opportunity shows up in different ways. And I think for the selling doctor, it also was an opportunity that they got probably way more than they were expecting to get when they closed the doors of their practice.   speaker-1 (18:02) Yeah. Cause honestly, it hadn't been for new, he'd been trying actively to sell it somewhere. And I was like, I think I was like the last person, you know, had I not been able to step up and, and, work something out, it would have just been all those patients out into the ether. And, know, probably who knows how many of those, you know, 450 would have shown up with us anyway. But it's, it's, know, again, being younger, not knowing what I was doing, like it was intimidating for me. But as I look back, like he'd never done that either.   speaker-0 (18:22) Yeah   speaker-1 (18:30) You know, so was all, it was new for both of   speaker-0 (18:33) Well, and also thinking about, I'm sure some listeners might think like, Nate, that's a bad deal, though, spending $120 per patient chart. And if you are a wise business owner and you know the cost of acquisition of a new patient, yes, I would say that that probably is on the higher end of a patient. However, I think the perk of this is these are most likely patients who have been active patients in a dental practice that are going to be good patients that are coming. And odds are they also might be, I call them sleeping.   patients in the fact that this dentist was on the retiring side, odds are that dentist was just slowing down with dentistry. Every dentist will have this happen to where odds are these patients actually have a lot more treatment available since their selling doctor was slowing down in their career. while it might be more expensive, you're probably also paying for it with the dentistry available with an older doctor selling. So got it. Okay.   speaker-1 (19:22) Yeah. Yeah.   And then yeah, like, and then fast forward, you know, another five years or so from then, it's not five, about five years ago. I had a dentist moonlighting with me who was in the Navy. It was getting out, wanted to stay in the area. Awesome, awesome dentist, really good friend of mine now. And he wanted to stay, but again, at that point I wasn't busy enough to really support another.   an associate and I'd never really never had an associate either. And again, opportunity I had, was having, it was like a county dental society meeting. I was talking to a friend of mine as well, who was a little bit older dentist and she was like, I'm thinking about slowing down. maybe this guy could work for you for a couple of days a week and me a couple of days a week. And kind of light bulb went off my head. I was like, or I could buy your practice if you're open to it. And then you can slow down whatever you want. ⁓   be an associate with me and he could work at the two. I kind of saw the writing, like the potential if he did that, what happens if now he wants to buy that practice and then it's, you know, so that actually.   speaker-0 (20:29) You would be training up your competition. So good job on seeing that and not letting that happen.   speaker-1 (20:35) Yeah. And, uh, and it worked and that worked out great around the, again, just weird timing around the same as I was closing on that deal. One town over those, dentist who unfortunately had a terminal, uh, terminal cancer and was looking for somebody to help take over his practice. So I was able to take over his patient base, which another bonus of being able to help, you know, get this new associate, you know, even busier.   speaker-0 (21:01) So really your practice is a makeup of four practices. Did I count my?   speaker-1 (21:06) And then I had one more a little bit later. There's like five, five, nine into two locations now. So yeah. Yeah. And with that one, was the, um, I was able to bring one of the hygienists on board. Um, which again, that familiar, familiar face, familiar voice, um, was a big, was big and she's still with us and she's awesome. So, um, so that's been, that's been really good.   speaker-0 (21:07) Okay, so   Clever. love it.   awesome.   Have you guys heard? But like really have you heard? And are you the type of person that loves to take massive action? Well, if you are, I would love to invite you to Dental A Team's Virtual Summit, April 22nd through 23rd. And yes, right now guys, it's early bird. That means it's $200 off the normal ticket price. You guys are going to learn how to optimize your practice this year. We know it's been a rough year. People have quit. We've had COVID, we've had changes. So we want to teach you guys how to optimize within your practice now and execute.   Friday is full team, Saturday is all things leadership. So bring your team, get some CE, take massive action, head on over to TheDentalATeam.com. Coupon code is summit early bird, and it's valid until March 31st. That's summit early bird, all one word, and it's valid until March 31st. So guys, head on over. I can't wait to have you take massive action, optimize your practice, and execute. Let's make 2022 your best year. I love it.   I love how much you have, ⁓ I think if anything I'm taking is don't be afraid to take those risks, don't be afraid to look at opportunities and also I think you just kind of have also positioned yourself to be well known within your community and I feel like so many dentists, like yes even within big cities like New York, Denver, guess what? People are always retiring. I just had a student from Midwestern reach out to me and was mentioning how like.   Hey, care, do you know of anybody to buy a practice? And I'm like, what is going on? I don't know all the details, but I'm like, this is somebody who's been graduating for maybe a couple of years looking to sell a practice. so I think it's just important to get to know the doctors around you to build those friendships. Because when I think it's often like you're putting yourself in a position to be ready for that opportunity, it's kind of like right now they say have a lot of cash on hand. We know something's going to be shifting in the economy.   So just be ready for when opportunities there. And I think getting to know your neighbors, getting to know those dentists, hey, great, you also as a dentist might need them as a resource in the future as well. So I think it can go both ways, but I love that you've done that. So now I'm curious, Nate, because I selfishly want to talk to you about this. You've got these two practices, you've got these dentists.   Who knows, you're gonna like probably add on like four more practices of charts in the next five years. I mean, based on your record, like let's just start piling them all on. You'll be the only dentist in Rhode Island. You're just gonna last. But I know culture is something you and I off air. Nate is one of my favorite clients. I don't even come to your practice, Nate, and you and I will just chat business, talk shop. You are somebody that I will say publicly is someone who's just been.   a really great influence in my life. Periodically, you will just send me a random text of like, just tell me that we're doing a good thing. And I will say, and you know, as an owner, those kudos and those like good vibes, they don't happen as often because you're the one who's giving all that out to your team and to your clients and to your patients. And so Nate, I will say publicly, like how much you've just been an influence in my life as well. Something I just have appreciated with you as a client, as a friend, as a mentor. So I'm excited to chat. You've got all these things going.   I know culture has been a piece that you and I both have been talking about of developing this culture. So kind of what spurred you into realizing you wanted to shift your culture of your practice. And then let's talk about the nitty gritty, but like how did you as a business owner know you needed to do a shift within your culture? Because I think that that's humility. And I'm just curious, like what tipped you off? How are you able as a dentist to own that, that you wanted to shift that?   speaker-1 (25:03) Yeah, I mean, I think for me it was noticing, you know, sort of the patterns over the years of the just the ups and downs of culture, you know, and it's, you know, whether you call it the vibe or how everybody's getting along. ⁓ And there, I mean, it's over the years, like we've had some pretty painful, painful times and times where it's like, nobody likes being here. That's way better, you know, in the last few years and it had been in the past, but.   It's, I was realizing I didn't really know how to, I didn't realize I had, that I could have influence on, on how to change that. It's, you know, some of it, I'm not a confrontational person. I'm pretty laid back and I want every, you know, I want to be the one that's liked. I want to be everybody's friend. And it's hard. It's, mean, whatever 13 years into practice ownership. And I still, you know, struggle with that.   kind of not being able to be everybody's best friend. Like I actually own the boss and like I have to own that. So it's, know, again, I finally got like just really got so exhausting of the ups and downs of like, is this going to be a good month or is this going to be a good week or who's going to be upset and all that. that it's like, you know, it's not just on me, but it's like, creating that environment that people, you know, that people want to be here. You know, people are happy people.   playing well together and trying to manage all that. it's, you know, it's certainly I haven't figured it out completely, but it's, you know, just trying to work on little things.   speaker-0 (26:41) Yeah, well and I love that you said that because incidentally I'm like, ⁓ Nate, why didn't I even think about this? I know why you and I are good friends. We're eyes on the disc profile. We both love to be liked. We're both very outgoing. We're like, you know life at the party have a good time. We're also okay to like let other people be the life of the party, but just really that and I do think a lot of dentists have that personality. ⁓ I was thinking about dentists last night actually while I was falling asleep and I'm like gosh you guys have to charm and dazzle and wow all day long.   Like you walk in and you have to make friends quickly and it's in an uncomfortable like, hey, let me like get real up and close and personal, like look in your mouth. And I got to like win you over and make you like me. I want to say yes to treat Mike. That's a lot of output of energy all day long for you guys. And so for you to realize that you also have to be a boss, I think one takes humility and two, also is ownership. And I would agree. I think it's like you get to a spot where I'm like, all right, being friends is fun.   But we got to have this like even kill because this up and down is just causing me to feel like I'm in whiplash all day long. So what were some of the things that you started to shift again? You and I chatted in December and I know we both like I've taken this from our conversation of culture is a slow burn. It is not something that happens overnight. It is not something that is instantaneous and I am an instantaneous person. Like I will figure it out. I will come up with it like we will find the solution and culture is like, all right.   Cool, I'm here for the journey. So what were some of the things you started to shift that you've been able to see? know Tiffanie's been helping you guys in your practice quite a bit as well, but I think ultimately at the end of the day, consultants can only help as far as the leaders are willing to go. And so for you to be willing to shift and change is why your team's been shifting and changing too. So what were some of those specifics?   speaker-1 (28:26) One of the, I would say the hardest thing for me and I still like, it still gives me anxiety and trouble is having difficult conversations. And while, you know, it's   you wouldn't think it would necessarily play toward helping with culture, having difficult conversations. I think it really does because I think it resets some of that, ⁓ like where the expectations are, what kind of the clarity on what needs to be done. But I think that's part of, on my ups and downs, I, again, wanting to be agreeable and being pretty laid back, if there was some...   trouble happening or there's some conflict between the team. Like a lot of my default for years was, it'll just blow over. Like, let's it work itself out. And it would work itself out by exploding after a drink or two. And then everybody would hug it out after a drink or two, and then we're fine for a while. But like, was no way to operate, right? So for me, getting over my fear and my anxiety of having those hard conversations, you know, and that's actually, that's one of the things that Tiffanie has been super helpful.   with on helping me through some of those. And I think one of the biggest skills that I've gotten with working with the Dental A Team is that, to have those conversations. They're not fun. People don't like them. I don't like them. But I think it makes a big difference and means a lot once people, like once you get through that.   speaker-0 (30:02) For sure. And you're lucky to have Tiff. think Tiff is one of the best at it. Tiffanie is very masterful on being able to, I say word ninja it. She's also just very direct, which is odd because she's so lovable and so nice. But something her and I have chatted a lot. And to your exact point, when team members have those uncomfortable conversations and they know their employer is willing to do it, everybody actually feels safe.   and that safety can create stability, which also creates like easiness. So my husband and I felt like I used to be a people pleaser with him. And just this week, he and I had a really big decision, a really awesome opportunity, and we ended up turning it down. And I was so frustrated. Like, I'm such a like driver and doer and like, this is an opportunity. We've been working for five years for this and we're just gonna like walk away from it. And I was not my most polished Kiera. ⁓   Thankfully, I would never do this with my team, but my husband, was just like full on expressive on like, and not anger at him, just the frustration of the situation. Like we've worked for this for five years and we're still not going to go through with it. And he made a comment to me, said, Kiera, I love that we've worked on our relationship so much to where you can feel comfortable and confident to have this conversation, to express your true feelings and we can work through it and find a solution. And I use that example because I feel like it's very similar with teams with   bosses that are willing to have these uncomfortable conversations because there's a there's a trust and a confidence that I can come to you. I know we can go toe to toe. I know we can work through this even though it's not fun in the moment per se. There's so much beauty and ease and flow that happens because we're not just always like holding it inside trying to like charm everybody else around us.   speaker-1 (31:47) Yeah. And what I have sort of seen ⁓ as I'm doing that more often and as I'm getting more comfortable with it, I'm seeing my team do the same thing with each other, in a, you know, in a respectful way. And they're confronting things before they become like these underlying deep seated issues. So yeah. So that's been good. ⁓ Working on gratitude is another, is another big one. Yeah. It's funny. It's, it's, ⁓   That's been, that's taken me a little bit to get used to and kind of coming up with a pattern of how to do it because it doesn't necessarily come naturally to me. You know, I think it all the time in my head, you know, how appreciative I am, but it's expressing it is what's hard and finding the way that resonates because everybody's different. What, you know, what lights everybody up is different. So it's trying to, I'm still trying to figure that out for everybody individually.   speaker-0 (32:42) But I think it's awesome that you're taking that on and like you said and I will say kudos to male doctors that are willing to share their appreciation because I'm not a male, but I have heard from several male colleagues that it's very uncomfortable. They're like, I'm just not somebody like you said, I think it, but I don't necessarily say it I don't know how to say it and sometimes it's an awkward thing. But I will say as a team member, I worked only with male doctors, except for one time I had a female doctor. But most of the time males were the doctors I would work with.   And as a team member, especially a female team member, it meant the world to me when they would share that appreciation. it just would, most women are very much ⁓ people who love those words of affirmation that are genuine and sincere. And so I think that that's a great thing that you've taken on. And I know that that's shifting because you shifting that way is shifting your entire team as well. Very cool. Okay. I just want like a quick highlight list as we wrap up, Nate, I appreciate you so much. What are some of the things working with Tiffanie that you've   that you guys have implemented in your practice or some things that you've seen, like we've talked about chart mergers, which gosh, it's just so fun. And we talked about culture shifts, but what are some of the things over the last year? I think you guys are just wrapping up your heading into year two. What are some of the things you guys have implemented with her this last year that were really just impactful for you?   speaker-1 (33:59) Yeah, it's, it's, it's, it's a, we've done a bunch of like small things, you know, and, and, that's what I think has been great is like they, they're easy concepts, but communicating ⁓ better handoffs from front to back and committing to that. ⁓ It's, one of the first things that she introduced with us. And, you know, it seemed like such a simple thing, but it's made a huge difference in. ⁓   and just having consistency of communication and then also it helps the teamwork. ⁓ That's been really good. She's helped a lot with trying to ⁓ have us have a better of sense and strategy around our revenue cycle. Just little things that we didn't necessarily know that we weren't doing, you know, as efficiently as we could. But what I love the most is the process and the accountability part that's put in. ⁓   there, you know, I, in previous years, you know, I've worked with other coaches and consultants and things. Um, and it's always been like a kind of a cookie cutter type thing. And it's, you know, it has been helpful, but what I really love about Dental A Team is how. Yeah. She's able to look and see exactly what it is that we do and how we do it and tailor those systems to us. Um, uh, but also that holding us like holding us accountable to do it. Like we had a, we had a call.   this week, I think it was. we've been looking at outsourcing things for, and I think we've probably been talking about it for a month, two months or so. And it was kind of funny because she has, she's like the sweetest person in world, but she was like, all right guys, I'm tired of talking about this. You're going to buy the end of it. And we're going to, we're going to make a decision on this in my head. This is on Tuesday. I was like, all right, by the end of Thursday, we'll have this done. She's like today, like today that you've done this and tell me who you're going with. And I was like, all right.   But sometimes that's what we need, know, cause we were stuck in this little cycle. So she, you she's good with that. And then sort of same thing with, you know, those are one of the difficult kinds of conversations I needed to have, but was Tuesday was funny. She was, she like really lit a fire under us. Cause like three or four things are like, you're getting this stuff done today and it's happening. that's the push we need, but there's other, know, there's, it's not always that intense. You know, there's also, ⁓ you know, if we need a little help with, you know, with things and,   It's process. She's there each step of the way.   speaker-0 (36:25) awesome. I love it. Well, I think that other no, go ahead.   speaker-1 (36:28) Sorry, it's   been really, it's been really good that I haven't seen with anybody else I've worked with before is she's totally accessible to my team. And I have a couple of the people on my team who are like very growth mindset, growth oriented with us. And, know, they, I think they talked to her more than I realized. And it's, it's one of like, felt initially like when she, you know, gave everybody her contact information, she like, I don't know, I hope that doesn't get abused. And she's like, I love it. That's what I'm here for.   and not knowing the specifics of what she's helping some people with. Like I've had a couple of people on my team, they're like, is so great to be able to reach out to Tiffanie and get this advice on this. And she's helping them just as much as she's helping me. That's awesome.   speaker-0 (37:09) That's huge and I appreciate that Nate because one it's fun to hear how our consultants are doing and I love like a few pieces you said which makes me happy because like as an owner and I'm sure as dentists we have this great vision of what we want our company to be what we want our practice to be and then to hear a patient experience to hear a client experience I'm like we will never be cookie cutter I refuse like forever because no practice is cookie cutter so to hear that it's systems that are customized to you guys where it's what's gonna work with you and also like you said   that accountability. Tiff and I, will say kudos to Tiff because at first, you know, we were like, how do you consult offices? And most of time we'll just kind of go through with you holding you accountable. But there are times when we will need to like laser in, lay it down and be like, guys, here's the reality. Just like a coach at the gym. I'm like, I don't want you like high five. I mean, that was a great workout when my squats look terrible. Like tell me to get my booty down, get my back out. Like   make sure I'm actually doing the work if I'm going to put in the work. And so I love that she did that. And like you said, that is something that we are so pro having those team members elevate rising them around you. That's something like we have kind of, I have a three prong approach and it's making sure you are profitable as a business. Cause if we're not profitable, fantastic. And to hear that TIF is helping you guys with that revenue cycle, making sure that's there at the handoffs, but then also growing people themselves.   You with those hard conversations, you making sure, I mean, we were just talking, you're having time off and your whole team is like killing it and you're not even there, which is awesome. ⁓ Also elevating team members. So it's not just the dentists themselves, but the team and then putting in those systems and team development top to bottom. So to hear it from a client experience, and we didn't even rehearse this prior to it, but to really hear the, and I didn't even prep you Nate. I didn't tell you to like, Hey, think of the last year and the highlights before we get on it. And I purposely did that because I wanted to hear.   what really stood out to you over this last year? What were the things that, because sure, you could go back and reread the emails and prep for it, but I'm like, that doesn't actually matter. What matters is what sticks in the moment. And so I just appreciate that. I love you as a client. know Tiff loves you as a client. You're just a, you're a great example of execution, of humility, of seeing opportunities and executing on them. And I hope people realize that success in my opinion doesn't just happen by chance. It is methodical. is...   Executed on sometimes you get sprinkled with that good luck charm But I also think that good luck charm is only good luck if you actually execute on it So Nate, you're just a dream. I love it. I love what you've done. I appreciate you being on the podcast you're just such a happy human and You're you're a great person who's doing great things in this world and your team's super lucky to get to work with you and learn from you as well   speaker-1 (39:48) Oh, thank you so much. And I feel so, you know, so lucky to have come to come across the Dental A Team, you know, three years ago and, and, and gotten to know you, gotten to know your team and all of you thought, you know, to me, my team and my life, it's awesome.   speaker-0 (40:00) Totally.   Well, it's, you know, we said yes, because you're in Rhode Island first. That was the first like initial yes. then you know, so but no, I appreciate it, Nate. So guys, if you if you have questions on mergers, or how to buy these charts, like please reach out, we'll connect you in with Nate. And if his story and the successes he's had resonate with you, email us, we'd love to chat with you. Hello@TheDentalATeam.com. And Nate, thanks for being here today. Thanks for just being a good human in this world that we need more people like you. So thanks for being here today.   Thank you. Awesome, guys. All right. As always, thank you all for listening, and I'll catch you next time on the Dental A Team Podcast.   wraps it up for another episode of the Dental A Team Podcast. Thank you so much for listening and we'll talk to you next time.  

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Where is buyer demand showing up in 2025? According to a new report from Zillow, the hottest housing markets this year aren't the usual coastal or Sun Belt favorites — they're affordable Midwestern cities. In this episode of Real Estate News for Investors, Kathy Fettke breaks down Zillow's list of the most popular housing markets of 2025, led by Rockford, Illinois. We look at why buyers are flocking to lower-priced markets with strong job access, fast-moving inventory, and growing out-of-state interest. You'll also hear which cities are topping Zillow's rankings across categories — from large metros and small towns to vacation destinations, college towns, and retirement markets — and what these shifts signal for real estate investors.

A trusted priest with a collar and a gun walked into a funeral home, and two lives were cut down in cold blood, shaking a small Midwestern town to its core. What was Father Ryan Erickson hiding behind his vows and sacred duties?In February 2002, life in Hudson, Wisconsin was upended when funeral home director Dan O'Connell and his young intern James Ellison were found shot to death in broad daylight. The case went cold for years, until shocking leads surfaced pointing to a charismatic Catholic priest whose life of rigid conservatism, secrets, and misconduct may have masked something far darker. In this LGBTQ+ true crime podcast episode, we unpack how allegations of abuse, a failure in both the system and the church, and a double homicide intersect with broader questions about power, identity, and justice in small town America. True crime with a queer perspective isn't just about the mystery, it's about the systems that let these horrors persist.Hosted by Jordi and Brad, Beers With Queers brings chilling crimes, queer stories, and twisted justice to light, all with a cold one in hand. Press play, grab a drink, and join us as we uncover the darkest corners of LGBTQ+ true crime history. Hosted on Acast. See acast.com/privacy for more information.

It all began in November 1961, when Arthur Duperrault, a 40-year-old optometrist from Green Bay, Wisconsin, finally set out to give his family the adventure he had been dreaming of for years. Arthur had built a thriving practice specializing in contact lenses, a career that afforded him comfort and stability. But he wanted more than the routines of Midwestern life. What he craved was experience, something unforgettable for himself, for his wife Jean, and for their children: 14-year-old Brian,  11-year-old Terry Jo, and little René, just 7 years old. For years, Arthur had talked about escaping the bitter Wisconsin winters, of trading frost for sunlight and snow for turquoise waters. The Bahamas, in particular, held a special place in his memory. He had promised himself then that he would one day return with the family he dreamed of building. That promise became a plan, and over time, a quiet obsession. He saved steadily until, at last, the moment arrived. What was supposed to be the trip of a lifetime would end in murder, and more than a few questions, and only one person would be left to tell the tale.  Join Cam and Jen on this episode of Our True Crime Podcast entitled ‘Bluebell Betrayal: Terri Jo Duperrault.' Listener discretion by Edward OctoberpodVHS @octoberpodVHS Music by our EP @theinkypawprint Sources:  https://www.vintag.es/2017/05/orphaned-on-ocean-unbelievable-story-of.html https://www.newspapers.com/newspage/219816524/ https://r.search.yahoo.com/_ylt=AwrhcaQGuk5pbccmIH1XNyoA;_ylu=Y29sbwNiZjEEcG9zAzYEdnRpZAMEc2VjA3Ny/RV=2/RE=1767976710/RO=10/RU=https%3a%2f%2fwww.nydailynews.com%2f2021%2f08%2f01%2fjustice-story-mystery-of-little-girl-lost-at-sea-after-family-is-slaughtered-aboard-their-boat%2f/RK=2/RS=E4PyQI3FuG_cpl5FxHI0.P_8n1E- https://www.newspapers.com/newspage/219816524/ https://r.search.yahoo.com/_ylt=AwrihfPLuU5p7w0KH9NXNyoA;_ylu=Y29sbwNiZjEEcG9zAzQEdnRpZAMEc2VjA3Ny/RV=2/RE=1767976652/RO=10/RU=https%3a%2f%2fwww.msn.com%2fen-us%2ftv%2frecaps%2fsole-survivor-of-family-yacht-massacre-dubbed-the-sea-orphan-recounts-harrowing-ordeal%2far-AA1QqPv5/RK=2/RS=pp5.5u.YB3ABBwpQCMX2Lg.MDII- https://r.search.yahoo.com/_ylt=AwrhcaQGuk5pbccmHn1XNyoA;_ylu=Y29sbwNiZjEEcG9zAzQEdnRpZAMEc2VjA3Ny/RV=2/RE=1767976710/RO=10/RU=https%3a%2f%2fwww.cbsnews.com%2fnews%2fbook-em-alone-orphaned-on-the-ocean%2f/RK=2/RS=LFc_O5uAZEGfVOOliG.CGWmsRqY- https://video.search.yahoo.com/video/play;_ylt=AwrFNFbuuU5p8xgCGAX7w8QF;_ylu=c2VjA3NyBHNsawN2aWQEZ3BvcwMz?p=terry+jo+duperrault&vid=ccc8147ec2dfb63a8b497d5dae1dfc31&turl=https%3A%2F%2Ftse4.mm.bing.net%2Fth%2Fid%2FOVP.RS5vx3w7LkZG1V61MjIygwHgFo%3Fpid%3DApi%26h%3D360%26w%3D480%26c%3D7%26rs%3D1&rurl=https%3A%2F%2Fwww.youtube.com%2Fwatch%3Fv%3Dwm6_aQLN2C4&tit=Surviving+Alone+at+Sea%3A+%3Cb%3ETerry%3C%2Fb%3E+%3Cb%3EJo%3C%2Fb%3E+Dupperrault%26%2339%3Bs+Incredible+Story&c=2&sigr=HiVjSq0fRPdv&sigt=hK2aKYEUebpS&sigi=sp4TVRMIJpZQ&fr2=p%3As%2Cv%3Av&h=360&w=480&l=892&age=1722152718&fr=mcafee&tt=b https://www.twincities.com/2010/05/30/alone-book-recounts-green-bay-girls-1961-ordeal-at-sea-and-life-after/ https://r.search.yahoo.com/_ylt=AwrihfPLuU5p7w0KGdNXNyoA;_ylu=Y29sbwNiZjEEcG9zAzMEdnRpZAMEc2VjA3Ny/RV=2/RE=1767976652/RO=10/RU=https%3a%2f%2fwww.mirror.co.uk%2fnews%2fworld-news%2fman-who-killed-family-left-36410942/RK=2/RS=t_eXudIGd.DitWnU0wDNGvShofA- Logan, Richard; Duperrault Fassbender, Tere Jo (2010). Alone: Orphaned on the Ocean. Wisconsin: Titletown Publishing. ISBN 978-0-982-72063-9. https://books.google.com/books?id=AVQEAAAAMBAJ&pg=PA30 https://www.newspapers.com/clip/40365158/jodailynews23-11-61/ https://www.newspapers.com/newspage/219816524/ Learn more about your ad choices. Visit megaphone.fm/adchoices

Steve Jordan discusses his extensive history covering Warren Buffett, highlighting how the legendary investor's Midwestern roots and family influences shaped his distinctive business philosophy.  Learn more about your ad choices. Visit megaphone.fm/adchoices

A MIDWESTERN CHILDHOOD: ROOTS OF OPTIMISM AND DETACHMENT Colleague Max Boot. Biographer Max Boot discusses Ronald Reagan's difficult childhood in Illinois during the Great Depression. He details how Reagan's alcoholic father, Jack, created family instability, while his mother, Nelly, instilled optimism and a love for performance. Boot also highlights Reagan's formative experience as a lifeguard, shaping his desire to be a hero. NUMBER 1 1916 THE REAGANS

As the days get colder and darker, are you searching for a nourishing dinner that will warm you up from the inside out? In this bite-sized episode, we share delicious moments about the best things we ate this week to inspire each other – and you! This week we're rereleasing a fan fanvorite episode, and talking about two must-try winter weeknight meals. You'll discover the secrets to a craveable Minestrone, chock-full of veggies and topped with a vibrant basil sauce. You'll also learn about a unique Midwestern twist on Sloppy Joe's – it will make for a nostalgic weeknight meal that's kid-friendly and parent-approved. Tune in for a quick dose of home cooking inspiration! ***Links: Winter minestrone recipe from our SubstackSloppy Joe recipe with bonus veggies from Celebrating Sweets***Got a cooking question? Call in and leave us a voicemail on our kitchen phone! 323-452-9084Sign up for our newsletter here for special offers and opportunitiesOrder Sonya's debut cookbook Braids for more Food Friends recipes!We love hearing from you — follow us on Instagram @foodfriendspod, or drop us a line at foodfriendspod@gmail.com!

Silent Night (2012) synopsis: “The police force of a remote Midwestern town search for a killer Santa Claus who is picking off citizens on Christmas Eve.”Starring: Jaime King, Ellen Wong, Donal Logue, and Malcolm McDowellDirector: Steven C. MillerOn this bonus episode of Podcasting After Dark, Corey reviews the 2012 remake simply titled, Silent Night. A movie that's only goal is to be a 2012 remake of a 1984 film. Nothing more…for better or worse.Leave a comment on Spotify and let us know what you thought of Silent Night!— SUPPORT PODCASTING AFTER DARK —PATREON - Two extra shows a month including Wrap-Up After Dark and The Carpenter Factor, plus other exclusive content!MERCH STORE - We have a fully dedicated merch store at TeePublic with multiple designs and products!INSTAGRAM / FACEBOOK / LETTERBOXD - Follow us on social media for updates and announcements!This podcast is part of the BFOP Network

Send Zorba a message!Dr. Zorba talks about the importance of health literacy...especially now as health headlines get more confusing. Zorba helps out a caller with HRT questions, he helps a listener with audio sensitivity, and a listener asks why mammogram technology hasn't improved. The Grammar Cops chime in, and we hear a Midwestern mom joke.Support the showProduction, edit, and music by Karl Christenson Send your question to Dr. Zorba (he loves to help!): Phone: 608-492-9292 (call anytime) Email: askdoctorzorba@gmail.com Web: www.doctorzorba.org Stay well!

Send Zorba a message!Dr. Zorba talks about the importance of health literacy...especially now as health headlines get more confusing. Zorba helps out a caller with HRT questions, he helps a listener with audio sensitivity, and a listener asks why mammogram technology hasn't improved. The Grammar Cops chime in, and we hear a Midwestern mom joke.Support the showProduction, edit, and music by Karl Christenson Send your question to Dr. Zorba (he loves to help!): Phone: 608-492-9292 (call anytime) Email: askdoctorzorba@gmail.com Web: www.doctorzorba.org Stay well!

Growing up in the Midwest during the 1980s, Kristi Straw was raised with traditional values of being the quiet, grateful “good girl," don't speak too boldly, and never outshine others. Alongside this mandate to be humble and accommodating came the classic Midwestern lessons in kindness, like let others go first at an intersection, and cook a pot roast for the new neighbors. But lurking underneath the surface was an undercurrent of self-diminishment. These expectations and beliefs would be both barriers and fuel for Kristi's eventual rise in the corporate world. Leaning into relentless drive and adaptability, she climbed from individual contributor to bank president and C-suite executive in just a few years. But behind the impressive title and substantial paycheck was a steadily growing sense of inauthenticity. She describes years of “chameleonizing” or masking her true self to fit an environment that wasn't built for her bold ideas, her height, or her emerging leadership voice. Ultimately, her success required constant shape-shifting and sacrificing parts of herself, a survival tactic rooted in childhood messages about what women “should” be. Everything came to a head when, after finally reaching the top, Kristi realized three hours into her dream job that she simply couldn't conform anymore. She found herself lying on her office floor with the stark realization that this life was no longer "fine." The money, status, and access couldn't mask the fundamental misalignment between who she was becoming and who she wanted to be. That raw acknowledgment sparked her greatest pivot yet. Now, Kristi is fiercely committed to building communities based on authentic connection, collaboration, and high standards of integrity. As a coach and author, she champions what she calls “psychological agility,” aka the ability to adapt, stay open to surprise, and continually learn regardless of the outcome. I suspect you'll relate to her story of realizing that sometimes the most successful-looking life is in fact the one that's keeping you furthest from your true potential. And that no matter what, you have to find the courage to break the rules that never fit you in the first place. Kristi's Hype Song All I Do is Win https://youtu.be/GGXzlRoNtHU?si=9dwag_ZqVPmTJhgV Resources Website: www.LighthouseLeadershipConsultants.com LinkedIn: https://www.linkedin.com/in/kstrawmba/ Instagram: @LighthouseLeadershipConsultant Invitation from Lori:This episode is sponsored by Zen Rabbit. Smart leaders know trust is the backbone of a thriving workplace, and in today's hybrid whirlwind, it doesn't grow from quarterly updates or the occasional Slack ping. It grows from steady, human communication. Plenty of companies think they're doing great because they host all-staff meetings, keep “open door” policies, and throw the occasional team-building event. Meanwhile, leaders who truly care about culture are choosing better tools. That's where I come in. Forward-thinking organizations bring me in to create internal podcasts that connect people through real stories, honest conversations, and genuine community—your old printed newsletter reinvented for the way people actually work now....

On this episode of the Arts to Hearts Podcast, host Charuka Arora, founder of the Arts to Hearts Project, talks with Sara Glupker, a Michigan-based fine artist whose work is inspired by nature, florals, colour, and the Midwestern landscape. Sara shares her experience of creating and running art workshops, including moments when turnout was low and plans didn't work out the way she expected. She speaks honestly about how she kept going by staying focused on the work rather than on numbers or quick results. The conversation also explores how artists can shape workshops using everyday life experiences, interests beyond art, and practical skills. Sara explains how bringing these elements together can help workshops feel more inviting and meaningful for both the artist and the audience. This episode is a thoughtful and honest conversation about hosting art workshops, staying consistent, and building creative spaces where people can come together to make art.

Jamie (45) and Ryan (36) have been married for nearly a decade and share three kids, but their financial foundation was shaken when Ryan quit his high-paying finance job and cashed out his 401(k) without telling Jamie. Now earning far less, they're still spending like nothing changed, running up credit card debt and ending each month wondering where the money went. Jamie, the higher earner, is anxious about retirement and trust after years of financial surprises, while Ryan avoids money conversations and struggles with insecurity. Layered on top are a 10-year age gap, deep past trauma, and very different visions of a Rich Life. Can Ramit help them rebuild trust, create a real plan, and finally start acting like partners instead of adversaries? In this episode we uncover: • The moment Jamie learned Ryan quit his high-paying job and cashed out his 401(k) • How Ryan's breaking point at work led to a “nuclear option” decision that shifted stress from the office straight into their marriage Why earning nearly $300K still leaves them feeling broke • The trust fallout from repeated unilateral decisions, including quitting jobs, cashing out retirement accounts, and impulsive purchases • How Ryan's spending on shoes, clothes, and even a classic car mirrors patterns he watched growing up • Jamie's role as the default financial manager • The vacation-vs-things blame cycle that keeps them stuck spending instead of saving • Why hiding money in a separate savings account felt like the only way Jamie could protect their future • The uncomfortable truth behind their $13K emergency fund • How calling their own spending “stupid” and “dumb” keeps them trapped in shame instead of change • The emotional toll of living in constant financial vigilance while still spending freely on convenience and comfort • How a failed $500 spending rule exposed their lack of shared systems • The powerful influence of Midwestern money guilt, family secrecy, and conflicting childhood money messages • Jamie's past divorce and financial trauma • The shift from adversaries to collaborators Chapters: (00:00:00) “We'll just go our separate ways” (00:18:56) Ramit breaks down their numbers (00:40:49) “Smart people can make stupid choices” (00:52:26) “Can we become a team again?” (01:02:09) “Is this a Rich Life—or just a really long to-do list?” (01:14:36) “You've turned dysfunction into permission” (01:28:57) “I'm bitter that I have to pay it off” (01:39:21) Where are they now? Jamie and Ryan's follow-ups This episode is brought to you by: Gelt | Book a tax consultation with Gelt at https://joingelt.com/ramit. As a member of my community, you can skip the waitlist Trust & Will | Protect what matters most in minutes at https://trustandwill.com/ramit and get 10% off plus free shipping. Aura Frames | Use promo code RAMIT to get $35 off the best-selling Carver Mat frames at https://auraframes.com DeleteMe | If you want to get your personal information removed from the web, go to https://joindeleteme.com/ramit for 20% off Rocket Money | Cancel unwanted subscriptions and reach your financial goals faster at https://rocketmoney.com/ramit Links mentioned in this episode • If you want help with your finances, join my Money Coaching program at https://iwt.com/moneycoaching Connect with Ramit • Get my new book, Money For Couples • Get Money Coaching with Ramit • Download the Conscious Spending Plan • Listen to my book—now on Audible • Get my New York Times best-selling book • Get my no-numbers journal • Other episodes • Instagram • Twitter • YouTube If you and your partner have a money issue and you want my help, I occasionally select a couple to work with, free of charge. Apply for my help here.

On this episode presented by Busey Bank, I'm sitting down with Nick Bognar—multiple James Beard Award semifinalist, chef, and the creative force behind three of St. Louis' most celebrated dining experiences: Indo, Sado, and the newly opened Pavilion. Nick's culinary journey started in his family's kitchens, where his mom, aunt, and grandmother taught him the power of hospitality and flavor. From those early lessons to high-pressure kitchens in Austin and Cincinnati, Nick has blended tradition with innovation to create restaurants that consistently surprise and delight. In this conversation, we'll explore what Nick learned from his family and how those values infuse his kitchens today.   We'll talk about leadership, scaling a restaurant group without losing its soul, and the creative discipline behind staying relevant in a competitive culinary scene.     I'm excited to welcome a new partner for the show - The Normal Brand - clothing rooted in Midwestern values. They're giving listeners 15% off one purchase of regularly priced clothing. Just use the code BAKEDIN at checkout. Head to thenormalbrand.com and find your new favorite fit.  Let's roll…

Nicole and Diana discuss FamilySearch.org with their guest, Dana Palmer. Dana, a Certified Genealogist and Certified Genealogical Lecturer, specializes in Midwestern research, lineage society applications, and publishing family books. She is also part of the Mayflower Silver Books team and lectures at national conferences. The discussion focuses on her new book, Ultimate Guide to Mastering FamilySearch. Dana shares her early love for family history, which began as a child influenced by her grandparents, and the motivation for writing her book, which came from years of teaching popular in-person classes on the FamilySearch website. During their conversation, Dana provides an overview of FamilySearch, highlighting features like the Full-Text Search. She offers her best tips for finding records, outlining a process that involves using Full-Text Search, the historical records tab, the catalog, and local repositories. Listeners discover important facts about Full-Text Search, such as using wildcards or misspellings and knowing that some restricted collections are only available at FamilySearch centers. She also gives tips for utilizing the Research Wiki, including its Guided Research feature. Dana encourages putting family on the collaborative FamilySearch Family Tree, explaining how adding sources and memories helps protect data and detailing the privacy protections for living people. She also brings attention to the value of the Books section and the Memories section for preserving family artifacts. Finally, she reveals one of the site's best-kept secrets: the free FamilySearch Community for transcription and translation help. Listeners will learn a variety of essential strategies and tools for mastering the FamilySearch website's powerful resources. This summary was generated by Google Gemini. Links Ultimate Guide to Mastering FamilySearch - https://genealogical.com/mastering-familysearch-by-dana-ann-palmer/ Sponsor – Newspapers.com For listeners of this podcast, Newspapers.com is offering new subscribers 20% off a Publisher Extra subscription so you can start exploring today. Just use the code "FamilyLocket" at checkout.  Research Like a Pro Resources Airtable Universe - Nicole's Airtable Templates - https://www.airtable.com/universe/creator/usrsBSDhwHyLNnP4O/nicole-dyer Airtable Research Logs Quick Reference - by Nicole Dyer - https://familylocket.com/product-tag/airtable/ Research Like a Pro: A Genealogist's Guide book by Diana Elder with Nicole Dyer on Amazon.com - https://amzn.to/2x0ku3d 14-Day Research Like a Pro Challenge Workbook - digital - https://familylocket.com/product/14-day-research-like-a-pro-challenge-workbook-digital-only/ and spiral bound - https://familylocket.com/product/14-day-research-like-a-pro-challenge-workbook-spiral-bound/ Research Like a Pro Webinar Series - monthly case study webinars including documentary evidence and many with DNA evidence - https://familylocket.com/product-category/webinars/ Research Like a Pro eCourse - independent study course -  https://familylocket.com/product/research-like-a-pro-e-course/ RLP Study Group - upcoming group and email notification list - https://familylocket.com/services/research-like-a-pro-study-group/ Research Like a Pro Institute Courses - https://familylocket.com/product-category/institute-course/ Research Like a Pro with DNA Resources Research Like a Pro with DNA: A Genealogist's Guide to Finding and Confirming Ancestors with DNA Evidence book by Diana Elder, Nicole Dyer, and Robin Wirthlin - https://amzn.to/3gn0hKx Research Like a Pro with DNA eCourse - independent study course -  https://familylocket.com/product/research-like-a-pro-with-dna-ecourse/ RLP with DNA Study Group - upcoming group and email notification list - https://familylocket.com/services/research-like-a-pro-with-dna-study-group/ Thank you Thanks for listening! We hope that you will share your thoughts about our podcast and help us out by doing the following: Write a review on iTunes or Apple Podcasts. If you leave a review, we will read it on the podcast and answer any questions that you bring up in your review. Thank you! Leave a comment in the comment or question in the comment section below. Share the episode on Twitter, Facebook, or Pinterest. Subscribe on iTunes or your favorite podcast app. Sign up for our newsletter to receive notifications of new episodes - https://familylocket.com/sign-up/ Check out this list of genealogy podcasts from Feedspot: Best Genealogy Podcasts - https://blog.feedspot.com/genealogy_podcasts/

Michigan State Rep. Matt Maddock, Republican leader from the 51st House District and vice chair of the House Appropriations Committee, joins the show to talk about his work pushing back against excessive spending in the latest Democrat-led budget. He explains why he and his GOP colleagues moved the appropriations committee to disapprove specific spending items, hold the line on taxpayer dollars, and cut wasteful “slush fund” spending that doesn't reflect traditional, common-sense Michigan values of fiscal responsibility. Rep. Maddock's efforts are about accountability, transparency, and putting Midwestern families first

It was so much fun having Carla Hall in the studio. Carla Hall is a chef and TV host who is currently serving as judge on Fox's Next Level Baker, a show that tests both professional and home bakers on their baking bona fides. In this episode, Carla shares some great baking ideas for the holidays, and she answers the question that some of us have been asking: What is Gordon Ramsay like in real life? And, at the top of the show, it's the return of Three Things, where Aliza and Matt talk about what is exciting them in the world of restaurants, cookbooks, and the food world as a whole. The show's hosts were on the road and report back about what they ate during their travels, including Aliza making stops for onion rings at Frisko Freeze and a big serving of vibes at Bob's Java Jive in Tacoma, Washington. Matt visited Cleveland and was blown away by the creative Midwestern cooking at Cordelia, the waffles fries with Ranch and sharp comfort cooking at Heart of Gold, and a little museum called the Rock and Roll Hall of Fame. In Seattle, Aliza has short rib and dry pho at Phở Bắc. And we couldn't forget about New York, and Aliza enjoys her visit to Zeena Bakery at the Ft. Greene Farmers Market. Watch: Prince, Tom Petty, Steve Winwood, Jeff Lynne - "While My Guitar Gently Weeps" (no, really, watch it). Read: It's About Time You Bought a Digital Scale Subscribe to This Is TASTE: ⁠⁠Apple Podcasts⁠⁠, ⁠⁠Spotify⁠⁠, ⁠⁠YouTube⁠⁠  Learn more about your ad choices. Visit megaphone.fm/adchoices

Helping others is a virtue that seems to be disappearing in modern society. Our fast-paced lifestyle often leads us to put ourselves before everyone else so that we can get it all done. But a rising tide lifts all boats, and helping others makes our entire world better off.  In this episode, I discuss one of the greatest helpers in history and how his good deeds continue to positively affect our society more than 100 years later.  Show Highlights Include: The desirable characteristic that makes you irresistible and invaluable to everyone around you (1:53) Invaluable life lessons from the little-known American who was one of history's greatest helpers (3:45) How George Washington Carver is still helping Midwestern farmers to this day and what you can learn from this (even if you've never seen a farm) (9:06) 8 "Cardinal Virtues" that can make you a more effective and well-liked person (12:06) Do you want to stop existing and start living your best life right now? Click here to get the first chapter of Dr. Rick's best-selling book, Lessons From a Third Grade Dropout, for free.

Keith reviews the state of the real estate market, noting that existing home sales are down about 33% from their 2021 peak, while prices remain firm due to low supply and high demand.  Affordability challenges are driven by stagnant wages, inflation, and higher mortgage rates, with 70% of mortgage holders still locked in at rates below 5%.  He observes that in certain markets, new construction may now offer better investor terms than comparable existing properties, especially where builders buy down rates.  The episode highlights a comparison of nearly a century of asset class returns, reporting real estate's long-term annual appreciation at approximately 4.7%. Episode Page: GetRichEducation.com/583 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  1-937-795-8989 to speak with a freedom coach 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 or text 'GRE' to 66866 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, how do other audiences feel about the GRE mantras that we've come to love here, like financially free beats debt free and don't get your money to work for you? Then sometimes it's not what you're attracted to in life, but what you're running away from finally comparing the returns from six major asset classes over the past century all today on get rich education    Keith Weinhold  0:29   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   Corey Coates  1:18   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  1:34   Welcome to GRE from Kennebunkport, Maine to Bridgeport, Connecticut and across 188 nations worldwide. It is the voice of real estate investing since 2014 I'm Keith Weinhold, and I'm grateful to have you here with me, and we're doing something a little different today, as you'll soon listen in to me as I was on the hot seat being interviewed on another prominent real estate show. But first, when you pull back and ask yourself, why you're really an investor in the first place? There are so many reasons. Maybe you just want a few properties in order to supplement your day job income. Maybe you want to have more than a few so that you can completely replace that active income, or perhaps rather than going the route of building up your cash flow, which is valid, but some think that it's the only way to real estate financial freedom. Instead, you could own, say, nine doors or 22 doors, and even if they all had zero cash flow, you can just keep borrowing against that leverage and equity tax free and live off of that whatever you do when it comes to your day job, income, your degree of disdain for your nine to five job that is going to be greater or less than it is for some others. So your motivation for self improvement, it isn't always about what you're running to in life, which could be real estate investing, but it's also what you're running away from, especially if you don't get a deeply rooted sense of meaning from your job. So you could have both a push factor and a pull factor in what motivates you. There's a scene from the 1999 movie Office Space that just does this incredibly unvarnished job of saying out loud how so many of us feel today. What I'm going to share with you, I mean, you know that you have felt this at least once in your life. Office space wasn't supposed to be a mega hit movie, but it kind of was, because it's so relatable. Let's listen in to part of this clip. This is Ron Livingston playing a disgruntled male employee talking to Jennifer Aniston at a restaurant about his job in the movie Office Space.   Speaker 1  4:09   I don't like my job, and I don't think I'm gonna go anymore. You're just not gonna go. Yeah, won't you get fired? I don't know, but I really don't like it, and I'm not gonna go.   Keith Weinhold  4:24   Then it continues when she asks. So you're just gonna quit? No, not really. I'm just gonna stop going. When did you decide all of that? About an hour ago? Really? Yeah, aren't you going to get another job? I don't think I'd like another job. What are you going to do about money in bills and all that? I've never really liked paying bills. I don't think I'm going to do that either.   Keith Weinhold  4:53   That's it. That is the end of that classic dialog from office space that we can. All relate to you did not wake up to be mediocre, but a lot of people's jobs pummel them into a rather prosaic state. You were born rich because you were born with this abundance of choices, this huge palette in menu, but society often stifles that and makes you forget it, and it gets really easy to just fall into your groove and stay there. The main reason we aren't living our dreams is really because we're living our fears. Failure doesn't actually destroy as many dreams as people think fear and doubt. Does fear and doubt destroy more dreams than failure ever does financial runway? That is a phrase for the amount of time that you can maintain your lifestyle without the need for a paycheck. And it's critical for you to lengthen this runway if you hope to retire early, and it will dramatically reduce your stress level. An example is say that you currently earn 150k per year after taxes, and you spend 126k of that, all right. Well, that means you've got a surplus of 24k a year. Well, it's going to take you a little over five years to accumulate that 126k that you need to annually support your lifestyle. That's what happens if you don't invest. And see investing helps you lengthen your financial runway, that amount of time you can maintain your lifestyle without the need for a paycheck. That's what we're talking about here. Last week I brought you the show from Caesar's Palace in the center of the Las Vegas Strip. So therefore, what I've done is I have gone from the ostentatious and flamboyant over here to the familial and simple as this week I'm in Buffalo New York, broadcasting from a somewhat makeshift GRE studio here, the Buffalo Bills had a home game yesterday, so the city and hotels are busier than usual. Next week, I will bring you the show from upstate Pennsylvania, as I'm traveling to see my family. Let's listen in to me on the hot seat. I was recently a guest on Kevin bups long running real estate investing show. You're going to get to see how I present information and GRE principles for the first time to a different audience. And as I do, you're going to hear me provide new material, but you'll also hear me say quite a few things that I have told you before, even then, the concepts might land differently when I'm explaining them to a new audience. The show is based in Florida, so We'll also touch on the real estate pain and opportunity there. After I'm interviewed, I'm going to come back and tell you about something fascinating. I'm going to compare the returns from six major asset classes over the past century, since 1930 anyway, and that's going to include the first time on the show where I'll tell you real estate's annual appreciation rate over the last entire century. Just about what do you think it is? 8% 5% 3% you're gonna have, perhaps the best answer you've ever had. Here we go.   Kevin Bupp  8:31   Now, guys, I want to welcome back a guest that we've had on. It's been a number of years now. Keith Weinhold, I went back to look at the last episode we had him on. I think it's been about four years. So, you know, four years ago, the world was in the very different state. It was a very different time. And so, you know, thankfully, we're out of the covid era and on to newer and greater things. So for those that don't know Keith, he's the founder of get rich education. He's the host of the popular get rich education podcast. He's a longtime thought leader in the real estate investing space, and like myself. Keith was also born and raised in Pennsylvania. For those that know don't know, I was born and raised in Harrisburg, Pennsylvania, Keith, I believe, a couple hours away from where I was. But Keith has very much a unique perspective on wealth, building debt, and really the housing market as a whole. And today, you know, we'll be diving into everything you know, from why the property itself? This is something that Keith kind of coins, why the property itself is less important than you think, to how the housing crash has already happened in a way that most people don't even realize, to the role inflation and debt play in building long term wealth. And so again, it's been a number of years here, so I'm excited to welcome Keith back here. So my friend, Keith, welcome to the show. It's it's a pleasure to have you back here again, my friend.   Keith Weinhold  9:43   Oh, Kevin, it's good to be here and be in the auspices of another fellow native Pennsylvanian as well.   Kevin Bupp  9:49   That's right, that's right, yeah, no, Pa is rocking and rolling as I think I told you this little, this little tidbit last time everyone, every time I speak with someone from Pennsylvania, they never know this. But I'm going to share this fun fact. Are you already know, Keith. I'm gonna share it with the rest of the listeners here today, Pennsylvania, those that are born and raised there. It's the only state where, if you're from Pennsylvania, you refer to it by its initials, and you assume that everyone else, everywhere else across the country, they know what you're talking about when you say I'm from PA and that's the only state that does that. So I think it's pretty neat.   Keith Weinhold  10:19   That's right. No one else does that. No one else says, I'm from TN, if they're from Memphis, right?   Kevin Bupp  10:24   They don't, they don't. So with that, my friend. So, you know, it's, again, it's been a number of years since we, since we had you last on here, you know, let's start with just, let's back up a little bit. You know, what have you been up to? I mean, what, what have the last few years look like for you? Where have you been spending your time, energy and efforts? Obviously, it's, you know, we've gone through some quite a bit of turmoil over the last five years, and would love to just get an update as to what's going on your life.    Speaker 2  10:48   Well, one of the big words in real estate investing, we all know it, even the person that cuts your hair and cleans your teeth knows it, and that's affordability. You know, really, affordability has been under fire, under pressure. By a lot of measures, we have the worst affordability for home buying since the early 80s, when the Jeffersons was on television. So it's been helping a lot of people deal with that. It's really the effect of three things, general inflation, higher home prices and higher mortgage rates. Really, those three things the crux of the problem. It's not exactly inflation, really. It's the fact that over the long term, wages don't keep up with inflation. And really that's the crux of the affordability problem. So I've been helping people deal with that and put that in perspective, really, Kevin,   Kevin Bupp  11:42   what does that mean for, you know, investment, real estate? I mean, are you still still doing deals? Are you seeing deals still get done by your students? I mean, what? What's your world look like?   Keith Weinhold  11:52    Yeah. I mean, I think you're asking, you know, how many deals are taking place? One way to measure that on a national basis is existing home sales. You know, existing home sales have been down substantially. And when a lot of people hear that, they think, prices, oh no, we're not talking about prices. We're talking about existing home sales. That means sales volume. That means the amount of overall transactions. So to give an idea of a real estate market, a residential one that's become pretty lethargic and not very vibrant, is that sales volume. It had its recent peak of about 6 million home sales back in 2021 I mean, 2021 was crazy, kind of the crux of the pandemic, you know, Kevin, that's when for an open house. You saw cars wrapped around the block for just one open house. Okay, well, that year 2021 there were 6 million existing home sales. Today, we're on pace to do about 4 million, and we also did only about 4 million last year. So if you put that in perspective and think about what that means, prices have stayed stable, but that's a 33% reduction in transactions. So investors, you know, people like you and I, Kevin, we're not as affected by this as some other industries. But think about the mortgage loan industry. If you're doing 33% fewer transactions, think about the hard decisions companies have to make and lay people off. 33% fewer transactions for title companies. It's probably close to 33% fewer transactions for furniture companies as well. So really it's both affordability that's been a problem, and that's led to this relative lethargy, kind of a slow, not very interesting residential real estate market, at least from the transaction perspective, really, really slow.   Kevin Bupp  13:58   But Could, could one not argue, I don't know the data points. Keith, I guess, what did it look like? 2021? Was kind of the peak. I think you'd reference 6 million units a year. Transactionally, what did it look like prior? What, what was, what was a more normal year like? And maybe 2020, wasn't a normal year either, right? Because a lot of folks thought the role was ending for a period of time. You know, 2019 maybe just again, trying to, trying to find maybe a better baseline to use. And then, you know, does, I guess, in my mind, and I don't follow these data points as much as you do, is that maybe 2021, was, you know, somewhat artificial inflation, right? Lots of lots of money pumping into the marketplace. And ultimately, we had to get back to a sense of normalcy at some point in time. And so are we at a at a place of normalcy? Are we still behind the eight ball a little bit?   Keith Weinhold  14:44   We're still behind the eight ball a little bit. 5 million is more of a normal long term number. But yeah, I mean, if we've got 4 million now, that's, you know, 25% less still than 5 million, sort of this long term normalcy rate of existing. Home transactions. And if you're a careful listener, you notice I've been using the word existing that doesn't include new build. So you know, when you the listener out there reading headlines, always look at that closely. We talking about existing? Are we talking about new build? You can learn a lot from that when you introduce new build data that introduces an awful lot of noise. For example, even when we look at prices, sometimes we want to exclude new construction. So why is that? Why do we want to focus on existing a lot? Well, because new build can introduce a lot of aberrations to the market. For example, the size of new build properties has dropped substantially the past few years, again, coming back to the central theme of affordability to help make a home more affordable. So we're not looking at same same when the square footage of a property drops a lot. And also, another thing that's been happening as a response to the lack of affordability is you have more builders building further and further out from a central business district where there are lower land costs for that new build property as well to help meet affordability. So the takeaway is, yeah, we want to be careful when we look at numbers. Are we looking at existing? Are we looking at new? Are we looking at overall properties.   Kevin Bupp  16:22   If you believe that if rates come down, we really is that the is that the lever that has to be pulled in order for that transactional volume to kick back up and, you know, make homes more affordable for the average home buyer,   Keith Weinhold  16:34   yeah, it's certainly going to help. I mean, really lower rates is the most likely significant lever that can help with the affordability crisis. Prices are pretty firm. Home prices are up 2% year over year. It's difficult for home prices to fall. In fact, home prices have only fallen one time substantially since World War Two. A lot of people don't realize that. So home prices are firm. I expect them to stay firm. And then the other lever is if we get a huge surge in wage increases, which I really don't expect anytime soon, unless we have another really big bout of inflation. So to your point, yes, lower mortgage rates like, that's the biggest lever that can help affordability return. And to speak to mortgage rates, Kevin and help put all of this into perspective, including this affordability component, is the fact that today, mortgage rates are low, and that gives a lot of people pause. They're like, What are you talking about? Mortgage rates were 3% even as low as two point some percent, just as recently as 2021 and early 2022 What are you talking about? Like, mortgage rates are 2x to 3x that today we look at a long term perspective when we look at the arc of mortgage rates, instead of in setting up expectations where we think rates could go. And we need to look at a frame of reference. Mortgage rates peaked over 18% in 1981 that's if you had a good credit score and everything on a 30 year fixed rate mortgage. That's what we're talking about here. In fact, Freddie Mac, they're the ones that have the best, most reliable stat set for mortgage rates, and that goes back to 1971 the average mortgage rate since 1971 all the way up to today, through all these presidential administrations you know, Nixon and in the Reagan years, and Clinton and the bushes and Obama, everything You know up to today, from 1971 until today, the average 30 year fixed rate mortgage is 7.7% so that's why I talk about how mortgage rates are, you know, moderate to a little low today. That takes a lot of people back. I don't see any impetus. It's going to get us back to, say, 3% mortgage rates. So some real perspective here.   Kevin Bupp  19:06   Yeah, yeah, no. And, you know, the interesting thing again, you might have data points on this to see, is a lot of the lack, do you feel that a lot of the lack of transactional volume is also related to those folks that have locked in, you know, 3% you know, mortgages, right? Like they're they, why would they sell and ultimately trade into a, maybe a, you know, a, you know, upgrade of a home, but ultimately be paying significantly more than that of what they're paying at the present time, you know, double the cost of capital. Your rates today, 30 year, rates are where the six and a half, 7% range, I don't follow it, but yeah.   Keith Weinhold  19:42   I mean, as of today, 6.3% is is where they're at. But yeah, you have a lot of those homeowners locked in to low rates. I mean, first, if we just pull back and look at the overall homeowner landscape, four in 10 have a paid off property. So just to talk to those about the other. Or 60% that percentage that are mortgage borrowers, among borrowers, 70% still have a mortgage rate under 5% meaning it starts with a four or less. So yeah, you're bringing up astutely Kevin the lock. In effect, people are reluctant to sell and give up that rate to trade it for a higher rate. And here's what's interesting, a lot of people if they couldn't make the payments on their home and say they lost their home, something that actually happened a lot in 2008 when people were locked into in sustainable mortgages because they didn't have good credit and they didn't have good income, the borrower is in good shape today. But even if, for some reason, they couldn't make the payments on their home, and they lost their home and they had to rent. Rents are actually higher in many cases, than what that mortgage principal and interest payment is. Maybe even the mortgage principal interest, taxes and insurance that they pay today are lower than what comparable rent would be, and this helps stabilize the housing market, people are really motivated to make their payments, and they can easily do it when it is so low, speaking to that lock in effect, and we're bringing up another reason now why transaction volume is so low, that lock in effect. So homeowners are in good shape. Their payments are sustainable. They don't want to sell, and they're just staying put. They're staying in place   Kevin Bupp  19:42   tying that all back around. Keith, what does that mean for us real estate investors? I mean, is there still good value out in the marketplace? I mean, is the rent to value ratio still, you know, Is there good opportunity to be had, as far as ROI for an investor that wants to buy into a residential investment or a multifamily investment, or anything related to that of residential housing?   Keith Weinhold  19:42   Well, the deals in the one to four unit space, single family homes up the four Plex buildings, yeah, just are not as good as they used to be. The ratio of rent income to purchase price is lower than it was five years ago. And that's so simple, but that's just really the simplest formula for profitability for a real estate investor, you don't have to look at cap rate or or NOI in the one to four unit space. Let's just look at that ratio of rent income to purchase price. 20 years ago, it was easy to find a full 1% meaning, on a 200k property, you could get $2,000 worth of rent income. That's that 1% ratio. But now oftentimes you've got to find something that's more like seven tenths of 1% that would be a $1,400 rent on a 200k property. So that simple formula, and I love that, the rent income divided by the purchase price when I'm looking at properties, when I'm scrolling or scanning like that's a calculation you can do in your head. It's only if I would see a ratio that appears really good, oh, that I would like drill down and look at that property more closely. So of course, when you have something that is that simple, though, rent income divided by purchase price, there's a lot of things that doesn't tell you. You know, what kind of mortgage interest rate can you get? What kind of property tax Do you pay in that jurisdiction? But really, I love the simplicity. That's it, rent divided by price, but it has been under attack. Now today, I still don't know where you're going to get a better risk adjusted return than you do with a carefully bought income property with a loan. I've always liked fixed interest rate debt the best risk adjusted return anywhere. I really don't know of a better one than with buying real estate, because real estate investors have so many profit centers, five simultaneous profit centers, which few people understand. Yeah.   Kevin Bupp  19:42   So using that, I want to, I want to unpack the the 1% rule a little bit for those that aren't familiar with it. And again, there's a lot of variables there, as you had mentioned, you know, mortgage rate, taxes, insurance and that respective market that you that you're buying in, and so what? What are you really trying to back into when applying that rule? Is there? Is there? Is there a true cash on cash return that you're hoping to achieve, again, assuming all these other variables that we just don't know, what they are at this point, you know? Is there a target range of actual ROI that you're actually looking to achieve when applying that 1% rule?   Keith Weinhold  19:42   No, I'm just looking for any positive cash flow. You know, to your point, yeah, there's nothing like the cash on cash return needs to be at least three and a half percent or something like that. But, yeah, I still like buying a property that's that's greater than a break even. Inflation is probably going to increase your cash flow over time, even if you bought a property that that broke even or just had a trickle of cash flow or a $100 cash flow today, a lot of people don't understand that fact that right there you can't count on it, you shouldn't count on. Getting rent increases. But we all know it generally happens over time at a rate of about 3% a year, but it actually increases your cash flow. If you increase your rent 5% your cash flow can often increase something like 12% why is that? How could that happen? That's because, you know, it's key for the person that was listening closely, you get fixed interest rate debt, so your rent income goes up, your expenses increase, except for that mortgage principal and interest. Inflation can touch it. It's kind of like a mosquito buzzing against a window and always trying to get in. And inflation can't touch that in a way. It's sort of like debt that's an asset in some unusual way, or some play on words, getting that debt so So yes, you can't count on rent increases over time. We know what typically happens, and that's really part of the compelling value proposition of buying income property with a loan. You're sort of leveraging inflation. You're really on the right side of it.   Kevin Bupp  20:08   Are there any particular markets that you feel are ripe for opportunity today where you're spending your focus and energies in?   Keith Weinhold  20:08   Yeah, it's still in high cash flowing markets like Memphis, okay, little rock and a good part of the Midwest and the Midwest still has home prices appreciating faster than the national average as well. So those are some of the areas that I like. Those jurisdictions also tend to have laws, as your listeners might know this already, Kevin, they tend to have laws that benefit the landlord more so than the tenant, where you can get a prompt eviction, but those are still the areas where you do get that high ratio of rent income to purchase price on a single family rental home, you might still find eight tenths of 1% meaning $800 worth of rent for every 100k of property purchase in places exactly like that.   Kevin Bupp  20:08   I was hoping that you tell me 1% rule would is applicable.   Keith Weinhold  20:08   It's pretty rare. You know, if you do see, if you do see a property that has a full 1% rent to purchase price ratio, it could be in a sketchy area, you need to make sure that you can actually get the rent in like you would get a respectful rent paying tenant in there. That's something that we would have to look at more closely.   Kevin Bupp  20:08   Have you explored building new product? Is there an opportunity there getting at a lower basis by building ground up?   Keith Weinhold  19:42   You asked such a smart question. This is actually the first time ever, as long as I've been an active real estate investor, Kevin for more than 20 years where new build purchases for income property make more sense than existing purchases. Why is that? It's because builders know that investors and borrowers are struggling to buy and afford property and make the numbers work. Like you're talking about, that builders are incentivized to buy down your rate. For you, to buy down your mortgage rate, we deal with a lot of providers that buy down your mortgage rate to 5% or less for you, and this is a fixed, long term loan in order to help get the numbers to work. You know, especially where you might see a new build property where the rent to purchase price ratio is less than seven tenths of 1% and it's just like, ah, the numbers wouldn't work paying a higher mortgage rate, but some are willing to buy them down to as little as four and a half. However, if you're looking into buying a new build income producing property, you do want to look at that closely. Who is paying for the discount points to buy down the rate. Is it the builder, or is it you? Because some builders just suggest, hey, you can buy down. You can have your rate bought down. But yeah, the next question is, yeah, okay, who is actually doing the buy down? Yeah.   Keith Weinhold  19:43   I mean, just getting tacked on. I mean, in that instance, I'm assuming that a lot of it's just getting tacked on to the to the back end of the purchase price, or it's being baked into closing costs somewhere somebody is paying for it. More than likely the borrower is paying for it. Paying for it. Is that? Is that? Again, I'm assuming we probably have that here in Florida. Again, I don't really follow the residential market too much, but there's, as you had mentioned, like, kind of on the the outskirts of Tampa, the tertiary, necessary, tertiary, probably more secondary areas. That's where a lot of the builds are happening. Lots of these, you know, planned subdivisions. You know, hundreds and 1000s of homes being put up. And in my understanding, through the grapevine, is I hear that they're, you know, sales volumes is incredibly slow, and a lot of these builders are now offering some creative loan products, again, to what you've just stated there, to attract, not necessarily even just homeowners, but also investors, to come in and buy their product from them. Is, is there a real opportunity there, though? I mean, have you seen investors be able to benefit from buying brand new product at a fair price, with economics at work keeping as a rental?   Keith Weinhold  29:53   I have and Florida has some builders that are almost desperate. I'm a long time investor. Know personally, directly in Florida, income property, Southwest Florida, places like Cape Coral, they have been ground zero for real estate depreciation, a contraction in real estate values year over year of 10% or more in some southwest Florida markets. So like the post pandemic, migration boom is certainly over in Florida. And you know, Kevin, as little as 10 years ago, people used to talk about buy in Florida. It's cheap, it's sunny, cheap and cheerful, like you would sort of hear that sort of thing about Florida real estate. That is no longer true. Florida just is not as cheap as it used to be. It's the same or higher than the national median home price now in Florida. So yes, some builders are rather desperate. The other benefit of buying new build, especially in a place like Florida, where a lot of new building has taken place and the supply actually exceeds the demand here in the short period. You can take advantage of that, not only by getting the rate buy down, but because homeowners insurance premiums are substantially less on new build property, because they're built to today's wind mitigation and other standards than they are existing property. I have a friend that just bought a new Florida duplex through us in Ocala, Florida. That's sort of a central, North Central Florida, on that new build duplex that he paid 400k for. I saw the actual insurance premium, the the rate sheet, $694.06 $694 694 so the benefit of buying new build is you get a lower insurance premium. You get these rate buy down. Sometimes what your builder will buy for you make for you rather and of course, you're probably going to have low maintenance costs for a long time, since it's a new build property, and you get a tenant that is probably going to stay longer than the average duration. They're the first person to ever live there. It's difficult for the tenant to improve their housing situation when they have a new build income property, unless they would go out and buy, and it's a very difficult time to go out and buy. So through that lack of affordability, really, the advantage for a real estate investor is tenants are staying put longer. The average tenancy duration is up because they can't run out and be a first time homebuyer.    Keith Weinhold  32:32   You know, most people think they're playing it safe with their liquid money, but they're actually losing savings accounts and bonds don't keep up when true inflation eats six or 7% of your wealth. Every single year, I invest my liquidity with FFI freedom family investments in their flagship program. Why fixed 10 to 12% returns have been predictable and paid quarterly. There's real world security backed by needs based real estate like affordable housing, Senior Living and health care. Ask about the freedom flagship program when you speak to a freedom coach there, and that's just one part of their family of products, they've got workshops, webinars and seminars designed to educate you before you invest. Start with as little as 25k and finally, get your money working as hard as you do. Get started at Freedom, family investments.com/gre, or send a text. Now it's 1-937-795-8989, yep. Text their freedom coach directly. Again. 1937795898, 77958989   Keith Weinhold  33:44   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   Todd Drowlette  34:17   this is the star of the A and E show the real estate commission. Todd Rowlett, listen to get rich education with my friend Keith Weinhold, and don't quit your Daydream.   Kevin Bupp  34:38   That even trickles down to the to the space that we're in. We're in the mobile home park space. And while we don't have a lot of rentals inside of our portfolio, most of our residents own their home and they rent the land, but throughout our portfolio, we have roughly 400 units that we own that we have as standardized rentals, and we've noticed that trend as well. Historically. 10 years ago, you. Yeah, we track actually about, I can take it back about eight years, where we actually have data to support this. This claim is that our average renter would stay about 16 months. That was fairly standard. Whereas today it's over, it's nearly three years. At this point in time, the majority are staying nearly three in there's probably, there's some variables in there. You know, eight years ago, we weren't bringing a lot of new product into our communities, whereas a lot of the mobile home parks that we purchased today do have a lot of newer mobile homes in them. So again, to your point, it's, it's a it's a newer home. It's fresh. There might not be the first person that lived there, maybe they're only the second, right? But it's still a very new home. It's only a couple years old. All the appliances are new. It's fresh, you know, it's well insulated, and it's just a high quality product, but, but it's nearly double of what we used to experience and what we used to underwrite. It's, you know, which is, which is interesting. You know, I am, I want to, I want to circle back, you'd mentioned Cape Coral. I've got quite a bit, quite a bit of experience with Cape Coral. This is not the first time that Cape Coral and Port Charlotte in those areas have crashed. I mean, like, they've got quite an interesting history in time, back during the GFC, that area down there took probably one of the biggest hits in most of Florida, while, you know, the rest of Florida got, you know, pounded pretty hard with home values and decreasing home values decreasing rents, Port Charlotte, Cape, coral, in those areas as well. It's just It looks very different down there today. As far as you know, the job basis. I mean, there's a little bit more of a, you know, you know, an economy than what existed maybe 1015, years ago. But I don't know if you know the story of Port Charlotte. Is it some interesting history that you can if you want to spend some time, go on YouTube. There's some documentaries out there about, basically when that area was created. There's a two brothers that, essentially, you know, sold, subdivided and sold swampland and sold the dream to the northeast centers to come down and buy, you know, parcels of land down in Cape Coral, port, Charlotte and in that general area. And it took a lot of time for it develop over the years, but it's a beautiful area down there. But again, I think what happened to your point? A lot of folks during the covid era were wanting to come to Florida. We were fairly free down here. The sun was shining, you know, the Gulf of Mexico was warm, and that was a good value for a lot of folks. You know, the values were driving up there. Was home inventory down there. You got a good bang for your buck back at that point in time. But again, there's not, there's not as much as many amenities and supportive economy there. And then to me, there, like you might find in the Tampa area, or you might find Orlando, or even Ocala cow is a phenomenal market right now. And yeah, oh, Cal is, for those that don't you know you mentioned, you referenced the insurance there, which is, that's a great, that's a great price for that, that policy, you know, 700 bucks, basically, that is inland. For those that don't know the geography here in Florida, that is inland. So you are fairly protected from storms, you know, hurricanes and things of that nature, which crush us here on the on the Gulf Coast. But in any event, I just thought I'd share that there's some good, pretty cool documentaries out there in Port Charlotte, in the whole area down there, but a beautiful part of the country. But just Yeah, it's, it's suffering right now. There's, I think there's, I was looking the other day on Zillow. I just play around and check and see what waterfront home prices are going for. And down there, you can basically get a you can get a canal front home going out to the Gulf of Mexico for about $500,000 which was probably closer to 800,000 during, you know, the the boom era of 2021 2022 So historically, we used to buy properties down there. This is back in 2000 and 345, before the the GFC, we could buy those same properties for 150 and $200,000 waterfront home, waterfront homes, deep water canals going out to the Gulf of Mexico. But when it crashed, some of those homes were selling for $120,000 $100,000 so it's interesting to see how things have come kind of full circle multiple times, not just down there, but in all of Florida as well. Florida is always boom and bust. You know, I think they say that with you know, you could probably speak to that most of these coastal towns, whether it be in Florida, whether it be up the eastern seaboard, the coastal markets are definitely more of a roller coaster ride than the Midwestern markets, where you invest in would you? Would you agree with that?   Keith Weinhold  39:09   Yeah, I would. And yeah, you talk about Florida being a boom and bust, and what you said is certainly true in the shorter term. Back in the global financial crisis, we saw more price blood letting in Florida than we did in other states as well. But over the long term, the long arc, I'm bullish on Florida because of just the obvious constant in migration story. In fact, if you go back to decennial censuses, all the way back to the early 1800s every single decennial census, every 10 years, the population of Florida has rose, and it rises faster than the national average, almost all of those 10 year periods. So yeah, over the long term, I certainly like Florida, but Yeah, you sure can, you know, nitpick over the. Short term, but as little as five years from now. If you bought today, as little as five years from now, I could see someone saying, like, yeah, I bought back five years ago, because we're actually in a in a short term, overbuilt condition, and builders bought down my rate. For me, this could look savvy and this could look wise. So if you're looking for opportunity, new building Florida is definitely something to look into.   Kevin Bupp  40:22    I agree. No, absolutely. Like, the long term, you know, opportunity here in Florida, it's there, you know, it's interesting. We've got the we get these hurricanes every year. Last year was a pretty impactful year, at least here on the on the Gulf side, and the neighborhood I lived in, we got flooded. Luckily, our homes in newer builds built up. But, you know, 70% of the neighbor I lived in had 444, or five feet of seawater. And as did the, you know, the long stretch of the Gulf Coast here, and it was the first time this area has ever this immediate air right where we live, has ever had a it wasn't even a direct hit. It just happened to be a massive storm surge. But it was, you know, catastrophic as far as the damage that it did. And a lot of folks that we knew in our neighborhood here. Have lived here for 1020, 3040, or 50 years, and they had never had any floodwater whatsoever. And and there was two camps where they fell in either one camp where they didn't, they whether they had the money to rebuild or not, didn't matter. Like, mentally, they were never going to end up. They were never going to deal with that again. They were moving away, like they just didn't want to go through the heartache of that again. In the second camp, we're basically, I knew it was going to happen at some point in time. This is the kind of price to live, to pay, a live in paradise and and what ultimately occurred is, you know, you saw homes going up for sale, and in the initial chatter for those that that were impacted, is that, who's going to buy that? You know? You know, they're not going to get hardly anything for it. You know, it's just like, who's going to want to live here now that has been flooded. I said, Just wait. I'll say people have us as human beings, have short term memories. We do and and I can promise you, within a few months, those homes will be gobbled up, some will be knocked down, some will be rebuilt, but inevitably, the prices will come back incredibly strong, and you'll see very limited inventory, at least in desirable markets that are here on the water. And that's exactly that happened. Within six month period of time, prices are back up. You can't get your hands on a flooded property now, or one that had been flooded, right?   Keith Weinhold  42:12   I can believe it. And this is not the way that you want to have a waterfront property when the water inundates you and comes to you, that is not the way to buy waterfront property.   Kevin Bupp  42:23   Yeah, interesting, but, uh, no, Keith has been a fun conversation, my friend. So let's, let's talk about, you know, I like to you'll peek inside your brain if you were going to start all over again, from scratch, you know, you've been at this now, what? How long? Almost two decades. It's been, been quite   Keith Weinhold  42:38   Yes, yes, more than two decades. Is that what you're asking, how would I start, starting from today?   Kevin Bupp  42:47   Yeah, like, what would you do? Where would you focus, what asset type and any particular strategy outside of what you're doing today? You know, where would you focus your time?   Keith Weinhold  42:55   Actually, it is quite a coincidence. The way that I would start all over again in real estate is the way that I did start in real estate. It worked out phenomenally, in a way it makes sense, because if it hadn't worked out phenomenally, you never would have heard of me, and I wouldn't have become this real estate thought leader or whatever, because this is a way, an everyday person with virtually no real estate knowledge and very little money. Can start out, what I did is I made the first ever home of any kind, a four Plex building where I lived in one unit and rented out the other three. This is something very actionable for your for your audience as well, Kevin. Or if maybe you're a listener that has a an adult daughter or son and they want to get started in real estate with a bang without much money, is to buy a four Plex, just like I did. You can use an FHA loan, a three and a half percent down payment. You have to live in one of the units at least 12 months, and at last check, your minimum credit score only needs to be 580 now you will get a lower interest rate if you have a higher credit score. But those are the only three criteria you need. I mean, what a country talk about? The American Dream. You can use that FHA program with a single family home, duplex, triplex or fourplex, that's the formula. That's how I began. Actually ended up living there a little more than three years. But what that did for me was remarkable, and in fact, you know what it taught me? Kevin and every listener can benefit from this. It's paradoxical. A lot of times I say things that you would not expect to hear that make you go, wait what? Whoa, how can that be? Is what it taught me is that I don't want to focus on getting my money to work for me. You probably wouldn't expect to hear that. It's actually a middle class paradigm to say, well, I don't want to work for money. I also want to get my money to work for me. I'm telling. You that that's going to keep you middle class, or worse, that's going to keep you working until old age, and you won't have an outsized life and retirement and options. If you think that the best and highest use of your dollar is getting your money to work for you, it's not what's the paradigm shift if this four Plex building taught me the way I started out, which is still the way that I would start out today, and you probably heard this before, but I'm going to put a new twist on it. Is you want to ethically get other people's money to work for you, and we can be ethical. We can do good in the world. Provide housing that's clean, safe, affordable and functional. Never get called a slumlord that way. You can employ other people's money three ways at the same time, ethically by buying an income property with a loan, like we've been talking about in Florida, or with this fourplex building. How do you do it three ways at the same time, using the bank's money for the loan and leverage, which greatly amplifies your return beyond anything Compound Interest can do. The second of three ways you're ethically employing other people's money is you're using the tenants money to pay for the mortgage and some of the operating expenses on this fourplex. And then the third way you're simultaneously using other people's money is using the government's money for generous tax incentives at scale. So the lesson is that the best and highest use of your dollar is not getting just your money to work for you, it's other people's money, in this case, the banks, the tenants and the governments. That's what you can do. I mean, what an opportunity. A lot of people just don't even know about that FHA program.    Kevin Bupp  46:41   Yeah, I actually, I wasn't, I wasn't aware that it was that low of a down payment key. That's no idea. Three and a half percent, you said, a 550 credit score, believe me, 580 minimum credit.   Keith Weinhold  46:51   And you have to, thirdly, you have to owner occupy a unit for at least 12 months. And hey, I'm not saying it's always easy. You know, you got to think about that. Your neighbors are also your tenants. And I don't know how to fix stuff. I still don't. I'm a terrible handyman, but it's good to learn a little about about human relations. And you know, letting finding a general way to let the tenants know that you have a mortgage to pay every month. I mean, just that alone can can help them ensure timely rent payments. But, and this also doesn't mean every area, or every four Plex building is is good, but, yeah, that's the opportunity. That's how I started. I would totally do it again.   Kevin Bupp  47:27   Can you use that FHA program more than once? Or is that just the one time you know your first, first, first primary home purchase?   Keith Weinhold  47:34   It's generally you can only use one at a time. There are some exceptions, like if you and your job move, like, a certain mile radius away from where you got the first one, but, yeah, generally it's only going to be one at a time. A lot of people don't use it. Don't know about it. In fact, if you have VA benefits, Veterans Administration benefits, you can get a similar program, like I was talking about, but zero down payment, rather than three and a half with an FHA loan. It's a really good, amazingly good opportunity.    Kevin Bupp  48:05   That's incredible. That's incredible. Keith, my friend, I appreciate you coming back going. It's always good to catch up with you. Good to see that you're doing well.   Keith Weinhold  48:17   Oh yeah, a terrific chat there with Kevin. I hope that you like that really. At our core, real estate investors are not day trading. We are decade trading. Now I'm in western New York today, at the other end of the state, NYU compiled some terrific statistics that you want to hear about for nearly the past 100 years. It is the annualized returns of six major asset classes. This spans, the Great Depression, a number of recessions, World War Two, the New Deal, gold standard, abandonment, brendawoods, the Cold War, Civil Rights Movements, oil shocks, Volcker rate hikes, the.com boom and crash, the 911, attacks, the housing bubble, covid, 19, AI revolution and 16 presidencies, all those ups and downs and war and peace and economic booms and economic lows, and now there is going to be a mild tongue in cheek element here, because stats like this drive real estate investors crazy, but this is often how mainstream media portrays asset class comparisons. All right, the six asset classes are stocks, cash, bonds, real estate, gold, and then inflation, which isn't in an asset class, but it's a benchmark. All of these begin from the year 1930 so spanning almost 100 years. Let's take it from the lowest return to the high. Best return the lowest is inflation. And what do you think the CPI inflation rate is averaged over the last 100 years? Any guess at all? You might be surprised. It is 3.2% Yeah, even though the Fed's CPI inflation target has long been 2% it runs hot longer than most people believe. So therefore, today's inflation rate isn't high, it's just normal. The next highest return is cash at 3.3% How did NYU measure that the yield from three months T bills? Next up is bonds. They returned 4.3% that's the 10 year treasury average of the last 100 years. The next highest is real estate at 4.7% that uses the K Shiller Index. Now we're up to the second highest. It is gold at 5.6% and the highest is stocks at 10.3% using the s, p5, 100, and this was all laid out in a brilliant chart that also shows the returns by each decade for all of these asset classes. You'll remember that I shared the chart with you in our newsletter a few weeks ago. Now you are smarter and more informed than the layperson is, you know, but they see this chart and they think, Oh, well, that's it. I've got my answer. Real Estate's 4.7% appreciation loses out to gold's 5.6 and stocks 10.3 and then they go back to watching Love is blind. But of course, rental property owners like us know that we often make five times or more than this 4.7% when we consider all those other income streams and profit centers, leverage, rents, ROA and inflation, profiting on our debt, it's often 25 to 30% total. It's sort of like judging a Ferrari by only measuring its cupholders or something. Now, would stocks 10.3% get adjusted up as well? Yeah, probably a little, because the s and p5 100 currently averages a 1.2% dividend yield, so that might be added on the 4.7% return for real estate. That cites the popular Case Shiller Index. And the way that that index works is that it uses a repeat sales methodology. So what that means is that the Case Shiller measures the sales price of the same property over time. Therefore a property would have to sell at least twice in order to be measured by this popular and widely cited K Shiller Index. So then the 4.7% appreciation figure excludes new build homes, and new builds appreciate more than existing homes, but you do have more existing homes that sell the new build homes, so we can pretty safely assume that real estate's long term appreciation rate is higher, likely between five and 6% there it is. So yeah, making comparisons across asset classes like this is pretty tricky, because investment properties leverage and cash flow gets nullified. And when you make comparisons like this, it's a big reminder that even if you can't get much cash flow off a 20 or 25% down real estate payment, sheesh, most people put a 100% payment into stocks, gold or Bitcoin, and they don't expect any cash flow. And Bitcoin isn't part of what we're looking at for this century long view, because it did not exist until 2009 and also NYU had to use some alternative statistics. Sometimes the s, p5, 100 index only came into being in 1957 and the Case Shiller Index 1987    Keith Weinhold  54:02   next week here on the show, I expect to answer your listener questions from beginner to advanced. You've been writing in with some good ones for the production team here at GRE. That's our sound engineer, Vedran Jampa, who has edited every single GRE podcast episode since 2014 QC in show notes, Brenda Almendariz, video lead, brendawali strategy talamagal, video editor, seroza, KC and producer me, we'll run it back next week for you. I'm your host. Keith Weinhold, don't quit your Daydream.   Speaker 3  54:36   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.   Speaker 2  55:04   The preceding program was brought to you by your home for wealth building, get richeducation.com  

Small business owners know affordability is top-of-mind for their customers. But as margins grow narrower, keeping prices as-is isn't always possible. In this episode, we hear from a few small business owners about how they're balancing cash-strapped shoppers and rising costs. Plus: The potential Netflix-Warner Bros deal could mean less variety for viewers, Midwestern farmers hope to carve out a market for local oats, and a discussion of the week's economic headlines.Every story has an economic angle. Want some in your inbox? Subscribe to our daily or weekly newsletter.Marketplace is more than a radio show. Check out our original reporting and financial literacy content at marketplace.org — and consider making an investment in our future.

Small business owners know affordability is top-of-mind for their customers. But as margins grow narrower, keeping prices as-is isn't always possible. In this episode, we hear from a few small business owners about how they're balancing cash-strapped shoppers and rising costs. Plus: The potential Netflix-Warner Bros deal could mean less variety for viewers, Midwestern farmers hope to carve out a market for local oats, and a discussion of the week's economic headlines.Every story has an economic angle. Want some in your inbox? Subscribe to our daily or weekly newsletter.Marketplace is more than a radio show. Check out our original reporting and financial literacy content at marketplace.org — and consider making an investment in our future.

The tech billionaires of Silicon Valley and the Midwestern rural poor wouldn't seem to have much in common. But somehow many of them have united under the MAGA umbrella. Kara brings together two reporters who have written about the opposite sides of the MAGA coin to talk about the role of social media in fueling enragement, why tech billionaires and poor Americans are coalescing around issues like education, the press and more; and how to bridge the political divide. Her guests are: Beth Macy, a newspaper reporter for three decades and the author of five non-fiction books, including her most recent: Paper Girl: A Memoir of Home and Family in a Fractured America. Jacob Silverman, an independent journalist with a focus on tech, political corruption and illicit finance. He's written three books, including his most recent: Gilded Rage: Elon Musk and the Radicalization of Silicon Valley.  Questions? Comments? Email us at on@voxmedia.com or find us on YouTube, Instagram, TikTok, Threads, and Bluesky @onwithkaraswisher. Learn more about your ad choices. Visit podcastchoices.com/adchoices

She felt coerced into sex throughout your marriage. You woke to her initiating without consent. Both victims? Both guilty? Welcome to Feedback Friday!And in case you didn't already know it, Jordan Harbinger (@JordanHarbinger) and Gabriel Mizrahi (@GabeMizrahi) banter and take your comments and questions for Feedback Friday right here every week! If you want us to answer your question, register your feedback, or tell your story on one of our upcoming weekly Feedback Friday episodes, drop us a line at friday@jordanharbinger.com. Now let's dive in!Full show notes and resources can be found here: jordanharbinger.com/1236On This Week's Feedback Friday:It's our 400th Feedback Friday! But if you want to bypass Jordan and Gabe's reflection on this landmark that may only be important to us, skip on ahead to about 12 minutes and 20 seconds [00:12:20] into the episode!You're going through a divorce and during a heated conversation about past wrongs, your ex-wife accused you of pressuring her into sex throughout your marriage. But then you remember times she initiated intimacy while you were asleep. What does consent really mean in a complicated marriage like yours?You're a 19-year-old studying in the UK who finally discovered your passion for entrepreneurship after years of directionless procrastination. But your student visa explicitly prohibits starting a business. Do you transfer back to Switzerland and disappoint your parents, or suppress this newfound drive for two more years?Your younger millennial girlfriend is brilliant, but her communication style at work — complete with sing-song sarcasm about boundaries and not checking emails on weekends — is rubbing her Gen X boss the wrong way. You can see both sides. How do you tell her without crushing her authentic self?Recommendation of the Week: Star Projector (More options in the resources at the bottom of the show notes!)You retired at 48 after running a successful business for 20 years and now live comfortably off investments. But when people in your Midwestern town ask what you do, their reactions range from awkward silence to outright skepticism. How do you handle conversations about your unconventional early retirement?Have any questions, comments, or stories you'd like to share with us? Drop us a line at friday@jordanharbinger.com!Connect with Jordan on Twitter at @JordanHarbinger and Instagram at @jordanharbinger.Connect with Gabriel on Twitter at @GabeMizrahi and Instagram @gabrielmizrahi.And if you're still game to support us, please leave a review here — even one sentence helps! Sign up for Six-Minute Networking — our free networking and relationship development mini course — at jordanharbinger.com/course!Subscribe to our once-a-week Wee Bit Wiser newsletter today and start filling your Wednesdays with wisdom!Do you even Reddit, bro? Join us at r/JordanHarbinger!This Episode Is Brought To You By Our Fine Sponsors: BiOptimizers Magnesium Breakthrough: 25% off November 23rd to December 3rd: bioptimizers.com/jordan, code JORDANBetterHelp: 10% off first month: betterhelp.com/jordanAirbnb: airbnb.com/hostDeleteMe: 20% off: joindeleteme.com/jordan, code JORDANFunction Health: $100 credit: functionhealth.com/jordan, code JORDAN100Tonal: $200 off: tonal.com, code JORDANSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.