Podcasts about midwestern

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…

Your Nebraska Update headlines for today, Dec. 16, 2025, include: Nebraska state senators toured state-run ICE detention facility in McCook on Monday, Attorney General Mike Hilgers announced he is seeking reelection, new gambling winnings program collected more than $500,000 in first three months, Omaha Jewish leaders gathered to address deadly terrorist attack targeting Australia's Jewish community, search for first full-time jobs emotionally draining for many Midwestern college graduates, Nebraska setter Bergen Reilly was named finalist for national player of the year honors.

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

Kids, it's that time of year again. Who needs hunky bachelors decked out in flannel in some quaint little New England or Midwestern hamlet oozing Christmas drip? Not us.Sam picked out a nice alternative to the typical film faire for the Yuletide season. Dead End is a strange little film, but well crafted given its modest budget, and wonderfully acted by veterans Ray Wise and Lin Shaye. The film plays with the gruesomeness possessed in one's imagination. It doesn't go for the cheap jump scares, but instead builds on atmosphere and the tension of the mundane, like getting lost on a never ending lonely two lane road, and wondering what will happen in the dark when the needle hits “E” .For those of you who are purists about your Christmas scares, fear not, because we have a classic to follow up this episode, right before the fat man in the red suit arrives. Have fun this holiday season, be safe, and most of all, don't take any shortcuts.

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.

Looking for a cozy-but-creepy Christmas horror movie to watch while the snow piles up outside? On this episode of Cutting Deep into Horror, hosts Henrique Couto & Rachael Redolfi dig into Wind Chill (2007), a snowbound Christmas ghost story directed by Gregory Jacobs and starring Emily Blunt and Ashton Holmes. Set the day before Christmas Eve on an icy Pennsylvania back road, Wind Chill strands two college students in a broken-down car, trapped in a supernatural time loop with vengeful ghosts, a corrupt highway patrolman, and deadly subzero wind chills that feel all too real.Henrique and Rachael break down why winter horror hits so hard, from the primal fear of being stuck in the cold to the way snow turns a lonely road into a coffin made of ice. They unpack the film's themes of trauma, vulnerability, and bad choices, exploring how a simple ride share home for the holidays becomes a story about boundaries, obsession, and the ghosts—literal and emotional—that won't stay buried.You'll hear why Wind Chill has become one of Henrique's go-to cold-weather watches, how Emily Blunt's performance hints at the superstar she'd become, and why Christmas ghost stories feel like the perfect counter-programming to warm, cozy holiday specials. Along the way, they share their own memories of brutal Midwestern wind chills, talk about what it's like to actually work in negative-20-degree weather, and compare real-life cold to the movie's white-knuckle survival stakes.Whether you're new to Wind Chill or revisiting it as part of your holiday horror marathon, this episode dives into the film's looping structure, ghostly mythology, and that unforgettable crooked cop, tying it all to ideas of eternal recurrence and what it means to finally break out of the past. It's a perfect listen if you love Christmas-set horror, snowbound thrillers, or underrated 2000s genre gems that deserved more love than their modest box office runs suggest.Inside this episode:Christmas road-trip horror: Why a simple rideshare home for the holidays is the perfect setup for a chilly Christmas ghost story and how Wind Chill uses a lonely back road to trap its characters in a supernatural bubble.Trauma, boundaries, and vulnerability: How the Girl and the Guy's messy emotional lives are just as dangerous as the crash, and why the movie hits differently if you've ever dealt with parasocial crushes, people-pleasing, or anxiety.Emily Blunt before blockbuster fame: A look at how Wind Chill showcases Blunt's range early on, and why this under-the-radar Christmas horror is a must-watch for her fans.Ghost stories at Christmas: The long tradition of telling Christmas ghost stories and where Wind Chill fits alongside other wintry horror staples the hosts love to revisit each year.The terror of real cold: Henrique's firsthand stories of working in savage wind chills and how that lived experience makes Wind Chill's frozen setting feel even more nightmarish.Loops, ghosts, and eternal recurrence: What Wind Chill is really saying about being stuck in the same patterns, and how the film's time loop and ghosts of 1953 tie into ideas of fate, choice, and escape.So grab a blanket, pour a hot drink, and queue up Wind Chill—then join Henrique and Rachael as they cut deep into holiday horror, one icy back road at a time.Where to watch Wind Chill (U.S.)Currently, Wind Chill (availability can change, so always double-check):Netflix — https://www.netflix.com/title/70053467The Roku Channel (free with ads) — https://therokuchannel.roku.com/details/632ad3e4a9ba5a70b27d78ae75f1fe91/wind-chillTubi (free with ads) — https://tubitv.com/movies/695641/wind-chillAmazon Video (rent/buy) — https://www.amazon.com/gp/video/detail/B000W0C1M8Fandango at Home / Vudu (rent/buy) — https://athome.fandango.com/content/browse/details/Wind-Chill/128803

Ladies and gentlemen, welcome back to The Real Takk Podcast, where we dive deep into the high-stakes world of NYC real estate, the stories behind the deals, and the lives of the power players making it all happen.  AND it's that time of the year again!  The end-of-the-year wrap-up pod is here, where we discuss all things real estate in 2025, along with our prediction pod for real estate in 2026! Today, I'm absolutely thrilled to introduce our guest, Esther Patten, a powerhouse real estate agent with Compass in the heart of NYC. With over 15 years of expertise navigating the fast-paced worlds of Manhattan and Brooklyn, Esther is your go-to expert for everything from sleek condo sales and co-op closings to savvy multi-family investments, cutting-edge new developments, and seamless residential leasing. She's shattered records—like setting the bar for the priciest townhouse in Bedford-Stuyvesant at 1 Verona Place—and has racked up an impressive $360 million in transactions, all while building her success almost entirely on glowing client referrals and deep-rooted connections with investors, developers, buyers, and sellers across the city. A proud Northwestern University alum and former Division I women's basketball player, Esther brings that same competitive edge and Midwestern grit to every deal, making her an invaluable resource for clients from Chicago and beyond. She's passionate about giving back, supporting causes like the Leukemia and Lymphoma Society and Meals on Wheels NYC, and when she's not outpacing the market, you'll find her dominating on the court in women's basketball leagues or fueling up with high-energy workouts at Barry's Bootcamp and Tone House. @estherpatten

This hour opens with a weather update for the northern parts of the listening area, highlighting snow and potential road issues. Marc previews upcoming interviews, including Congressman Eric Burleson on healthcare reform and Jim Carafano on international security matters. The conversation with Carafano focuses on U.S. actions regarding Venezuelan oil, sanctions enforcement, and the broader implications for regional stability. Congressman Burleson then discusses healthcare reform, insurance premiums, and challenges within the Republican Party to implement meaningful change. The hour concludes with Kim critiquing claims that “Jingle Bells” is racist and addressing workplace ethics in light of a Michigan coach scandal, tying cultural commentary to personal responsibility.

This proprietary four-grain blend of Midwestern bourbon is hand-crafted by a certified sommelier and finished in California Cabernet wine casks to give it a West Coast vibe! San Diego's favorite craft bourbon... We tried a spicy old fashioned Cask and Coast Bourbon Spicy simple syrup Orange Bitters Paper Plane Equal parts Cask and Coast Bourbon, Aperol, Amaro Monino and a splash of lemon juice. You can buy Cask and Coast at any of the ten locations of Keg N Bottle in San Diego or at KegNBottle.com.

Shifting the focus of AIDS history away from the coasts to the Twin Cities of Minneapolis and St. Paul, this impressive book uncovers how homonormative political strategies weaponized the AIDS crisis to fuel gentrification. During the height of the epidemic, white gay activists and politicians pursued social acceptance by assimilating to Midwestern cultural values. This approach, Dr. René Esparza argues in From Vice to Nice: Midwestern Politics and the Gentrification of AIDS (UNC Press, 2025), diluted radical facets of LGBTQ activism, rejected a politics of sexual dissidence, severed ties with communities of color, and ushered in the destruction of vibrant queer spaces.Drawing from archival research, oral histories, and urban studies from the 1970s through the 1990s, Dr. Esparza illustrates how the onset of the AIDS epidemic provided a pretext for further criminalization of perceived sexual deviance, targeting sex workers, “promiscuous” gay men, and transgender women. More than the criminalization of people and behaviors, this time period also saw increased targeting of urban venues such as bathhouses, adult bookstores, and public parks where casual, anonymous encounters occurred. Cleansing the city of land uses that undermined gentrification became a protective measure against AIDS, and the most marginalized bore the brunt of the ensuing surveillance and displacement. From Vice to Nice illuminates how, despite purporting seemingly progressive values, LGBTQ Midwestern politics of conformity leveraged the AIDS crisis to further instigate racial and sexual exclusion and fundamentally alter the urban landscape. This interview was conducted by Dr. Miranda Melcher whose book focuses on post-conflict military integration, understanding treaty negotiation and implementation in civil war contexts, with qualitative analysis of the Angolan and Mozambican civil wars. You can find Miranda's interviews on New Books with Miranda Melcher, wherever you get your podcasts. Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://newbooksnetwork.supportingcast.fm/new-books-network

Imagine living in a small Midwestern town where every pothole, every broken police car, every delayed road project… all had one thing in common: the money for it was stolen.For twenty-two years, Dixon, Illinois trusted one woman — their longtime comptroller, Rita Crundwell. What they didn't know was that she secretly siphoned off over fifty-three million dollars from city funds… making it the largest municipal fraud in American history.How did no one notice? How did she pull it off? And what happened when everything finally fell apart?

Shifting the focus of AIDS history away from the coasts to the Twin Cities of Minneapolis and St. Paul, this impressive book uncovers how homonormative political strategies weaponized the AIDS crisis to fuel gentrification. During the height of the epidemic, white gay activists and politicians pursued social acceptance by assimilating to Midwestern cultural values. This approach, Dr. René Esparza argues in From Vice to Nice: Midwestern Politics and the Gentrification of AIDS (UNC Press, 2025), diluted radical facets of LGBTQ activism, rejected a politics of sexual dissidence, severed ties with communities of color, and ushered in the destruction of vibrant queer spaces.Drawing from archival research, oral histories, and urban studies from the 1970s through the 1990s, Dr. Esparza illustrates how the onset of the AIDS epidemic provided a pretext for further criminalization of perceived sexual deviance, targeting sex workers, “promiscuous” gay men, and transgender women. More than the criminalization of people and behaviors, this time period also saw increased targeting of urban venues such as bathhouses, adult bookstores, and public parks where casual, anonymous encounters occurred. Cleansing the city of land uses that undermined gentrification became a protective measure against AIDS, and the most marginalized bore the brunt of the ensuing surveillance and displacement. From Vice to Nice illuminates how, despite purporting seemingly progressive values, LGBTQ Midwestern politics of conformity leveraged the AIDS crisis to further instigate racial and sexual exclusion and fundamentally alter the urban landscape. This interview was conducted by Dr. Miranda Melcher whose book focuses on post-conflict military integration, understanding treaty negotiation and implementation in civil war contexts, with qualitative analysis of the Angolan and Mozambican civil wars. You can find Miranda's interviews on New Books with Miranda Melcher, wherever you get your podcasts. Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://newbooksnetwork.supportingcast.fm/american-studies

Shifting the focus of AIDS history away from the coasts to the Twin Cities of Minneapolis and St. Paul, this impressive book uncovers how homonormative political strategies weaponized the AIDS crisis to fuel gentrification. During the height of the epidemic, white gay activists and politicians pursued social acceptance by assimilating to Midwestern cultural values. This approach, Dr. René Esparza argues in From Vice to Nice: Midwestern Politics and the Gentrification of AIDS (UNC Press, 2025), diluted radical facets of LGBTQ activism, rejected a politics of sexual dissidence, severed ties with communities of color, and ushered in the destruction of vibrant queer spaces.Drawing from archival research, oral histories, and urban studies from the 1970s through the 1990s, Dr. Esparza illustrates how the onset of the AIDS epidemic provided a pretext for further criminalization of perceived sexual deviance, targeting sex workers, “promiscuous” gay men, and transgender women. More than the criminalization of people and behaviors, this time period also saw increased targeting of urban venues such as bathhouses, adult bookstores, and public parks where casual, anonymous encounters occurred. Cleansing the city of land uses that undermined gentrification became a protective measure against AIDS, and the most marginalized bore the brunt of the ensuing surveillance and displacement. From Vice to Nice illuminates how, despite purporting seemingly progressive values, LGBTQ Midwestern politics of conformity leveraged the AIDS crisis to further instigate racial and sexual exclusion and fundamentally alter the urban landscape. This interview was conducted by Dr. Miranda Melcher whose book focuses on post-conflict military integration, understanding treaty negotiation and implementation in civil war contexts, with qualitative analysis of the Angolan and Mozambican civil wars. You can find Miranda's interviews on New Books with Miranda Melcher, wherever you get your podcasts. Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://newbooksnetwork.supportingcast.fm/lgbtq-studies

Shifting the focus of AIDS history away from the coasts to the Twin Cities of Minneapolis and St. Paul, this impressive book uncovers how homonormative political strategies weaponized the AIDS crisis to fuel gentrification. During the height of the epidemic, white gay activists and politicians pursued social acceptance by assimilating to Midwestern cultural values. This approach, Dr. René Esparza argues in From Vice to Nice: Midwestern Politics and the Gentrification of AIDS (UNC Press, 2025), diluted radical facets of LGBTQ activism, rejected a politics of sexual dissidence, severed ties with communities of color, and ushered in the destruction of vibrant queer spaces.Drawing from archival research, oral histories, and urban studies from the 1970s through the 1990s, Dr. Esparza illustrates how the onset of the AIDS epidemic provided a pretext for further criminalization of perceived sexual deviance, targeting sex workers, “promiscuous” gay men, and transgender women. More than the criminalization of people and behaviors, this time period also saw increased targeting of urban venues such as bathhouses, adult bookstores, and public parks where casual, anonymous encounters occurred. Cleansing the city of land uses that undermined gentrification became a protective measure against AIDS, and the most marginalized bore the brunt of the ensuing surveillance and displacement. From Vice to Nice illuminates how, despite purporting seemingly progressive values, LGBTQ Midwestern politics of conformity leveraged the AIDS crisis to further instigate racial and sexual exclusion and fundamentally alter the urban landscape. This interview was conducted by Dr. Miranda Melcher whose book focuses on post-conflict military integration, understanding treaty negotiation and implementation in civil war contexts, with qualitative analysis of the Angolan and Mozambican civil wars. You can find Miranda's interviews on New Books with Miranda Melcher, wherever you get your podcasts. Learn more about your ad choices. Visit megaphone.fm/adchoices

Shifting the focus of AIDS history away from the coasts to the Twin Cities of Minneapolis and St. Paul, this impressive book uncovers how homonormative political strategies weaponized the AIDS crisis to fuel gentrification. During the height of the epidemic, white gay activists and politicians pursued social acceptance by assimilating to Midwestern cultural values. This approach, Dr. René Esparza argues in From Vice to Nice: Midwestern Politics and the Gentrification of AIDS (UNC Press, 2025), diluted radical facets of LGBTQ activism, rejected a politics of sexual dissidence, severed ties with communities of color, and ushered in the destruction of vibrant queer spaces.Drawing from archival research, oral histories, and urban studies from the 1970s through the 1990s, Dr. Esparza illustrates how the onset of the AIDS epidemic provided a pretext for further criminalization of perceived sexual deviance, targeting sex workers, “promiscuous” gay men, and transgender women. More than the criminalization of people and behaviors, this time period also saw increased targeting of urban venues such as bathhouses, adult bookstores, and public parks where casual, anonymous encounters occurred. Cleansing the city of land uses that undermined gentrification became a protective measure against AIDS, and the most marginalized bore the brunt of the ensuing surveillance and displacement. From Vice to Nice illuminates how, despite purporting seemingly progressive values, LGBTQ Midwestern politics of conformity leveraged the AIDS crisis to further instigate racial and sexual exclusion and fundamentally alter the urban landscape. This interview was conducted by Dr. Miranda Melcher whose book focuses on post-conflict military integration, understanding treaty negotiation and implementation in civil war contexts, with qualitative analysis of the Angolan and Mozambican civil wars. You can find Miranda's interviews on New Books with Miranda Melcher, wherever you get your podcasts.

Shifting the focus of AIDS history away from the coasts to the Twin Cities of Minneapolis and St. Paul, this impressive book uncovers how homonormative political strategies weaponized the AIDS crisis to fuel gentrification. During the height of the epidemic, white gay activists and politicians pursued social acceptance by assimilating to Midwestern cultural values. This approach, Dr. René Esparza argues in From Vice to Nice: Midwestern Politics and the Gentrification of AIDS (UNC Press, 2025), diluted radical facets of LGBTQ activism, rejected a politics of sexual dissidence, severed ties with communities of color, and ushered in the destruction of vibrant queer spaces.Drawing from archival research, oral histories, and urban studies from the 1970s through the 1990s, Dr. Esparza illustrates how the onset of the AIDS epidemic provided a pretext for further criminalization of perceived sexual deviance, targeting sex workers, “promiscuous” gay men, and transgender women. More than the criminalization of people and behaviors, this time period also saw increased targeting of urban venues such as bathhouses, adult bookstores, and public parks where casual, anonymous encounters occurred. Cleansing the city of land uses that undermined gentrification became a protective measure against AIDS, and the most marginalized bore the brunt of the ensuing surveillance and displacement. From Vice to Nice illuminates how, despite purporting seemingly progressive values, LGBTQ Midwestern politics of conformity leveraged the AIDS crisis to further instigate racial and sexual exclusion and fundamentally alter the urban landscape. This interview was conducted by Dr. Miranda Melcher whose book focuses on post-conflict military integration, understanding treaty negotiation and implementation in civil war contexts, with qualitative analysis of the Angolan and Mozambican civil wars. You can find Miranda's interviews on New Books with Miranda Melcher, wherever you get your podcasts. Learn more about your ad choices. Visit megaphone.fm/adchoices

Ivey Gruber, President of the Michigan Talk Network, returns to The Steve Gruber Show for a wide-ranging conversation that starts with the harsh Midwestern weather, ice, snow, and bitter temperatures, and the importance of staying safe out there. From there, Steve and Ivey shift into policy and principle, taking on Michigan's property tax system and why so many residents are rallying behind efforts to eliminate it. (Listeners are encouraged to visit AXMITax.org to learn more and sign the petition.) The conversation also dives into the cultural core of strong families and strong communities. Ivey highlights the critical role of women as overseers of the home and community, the need for more engaged fathers, and the importance of accountability and discipline in building a healthy society. They wrap with a look at failing education systems and what must change to secure the future for America's next generation.

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  

Welcome legends to your Research and True Crime Episode! Skidmore, Missouri is the kind of town you'd usually drive through without ever taking off your sunglasses. One main street, a couple of brick buildings, fields on every side. And in 1981, that quiet little dot on the map did something unthinkable. In broad daylight, in the middle of Main Street, the town bully Ken Rex McElroy was shot to death while sitting in his red pickup truck. Dozens of people were there. No one “saw” who did it. No one was ever charged. What you'll hear in this one In this story, I walk you through: Who McElroy was, and how one man could hold an entire town in fear for years The shooting of an elderly grocer that should have put him away The tense town meeting at the Legion Hall, where people quietly realised the law wasn't going to save them The slow, silent walk down Main Street The red truck, the gunshots, and the instant, perfect wall of “I didn't see a thing” And because this is Stories Fables Ghostly Tales, we thread it all through one extra chill: A teenager with a camera. One photo taken seconds before the shots. And a strange shape caught in the truck's window… Maybe it's a trick of the light. Maybe it's guilt. Maybe it's the moment a whole town becomes something it can't easily explain. This one isn't about jump scares or gore. It's about fear, power, and what people do when they've run out of “proper” options. If tiny towns, unsolved justice, and the feeling that something is still standing on that empty street at night gets under your skin… WHAT would you have done mates....let Ken rule your town even though he's almost taken a life? Tell me your thoughts... Hit play...and... Welcome to Skidmore. Pictures of the man and the town: A black-and-white portrait of Ken Rex McElroy. Main Street, Skidmore A current-day photo of Skidmore's main drag: cracked road, small storefronts, flat Midwestern horizon. Great for getting the “tiny, worn farm town” feel. Gratefully yours....Here's to more True Crime Stories legends! Your Tale Teller!

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

The year was 1995. Bill Clinton was president. The internet was still just a flicker in Al Gore's eye. Gas was $1.15 a gallon, and a group of rapid-fire harmonizing rappers from Cleveland, Ohio, was disrupting the whole East vs. West narrative with a completely new sound and approach. Under the wing of Eazy-E, Bone Thugs-N-Harmony kicked in the door with their debut EP Creepin' on a Come Up. Their follow-up, E. 1999 Eternal, didn't just build on that momentum; it launched them into the stratosphere. Powered by world-conquering singles like “1st of tha Month” and the Grammy-winning “Tha Crossroads,” the album went on to sell over four million copies. It also debuted at No. 1 on the Billboard 200, which was a huge deal for a Midwestern rap group at the time. On this week's episode of the Dad Bod Rap Pod, Nate, Dave, and DEM revisit this 1995 classic to assess how it has aged and how much cultural relevance it holds thirty years later. Tune in to find out how E. 1999 Eternal scores on the vaunted DBRP rubric.

What will your next domestic getaway look like? Imagine arriving at a gleaming new airport terminal bathed in  California sunshine, stepping into a Midwestern city claiming its title as America's soccer capital, or  watching the birthplace of independence prepare for the celebration of a lifetime.2026 is shaping up to be  a milestone year, one  in which  extraordinary—yet often overlooked—destinations are rewriting their stories with billion-dollar renovations, world-class events, and experiences you won't want to miss.In this episode, host Angie Orth welcomes two AAA insiders who spend their days tracking trends and scouting destinations: Jim Benning, Editor-in-Chief of Westways, and Derrik Lang, Editor-in-Chief of AAA Explorer. Recording from the historic Ace Garage in Tustin, California, they reveal the domestic destinations that deserve a spot on your 2026 travel list.You'll discover why San Diego's new airport terminal and NASCAR debut make it more than just a beach town, and how Kansas City is transforming with adaptive architecture and high-profile athletics. You'll hear what makes Santa Fe's art scene timeless, how Lexington is redefining its identity beyond horses and bourbon, and how Philadelphia is preparing for America's 250th birthday.What You'll Learn:3:41 San Diego's multi-billion dollar airport renovation and first-ever NASCAR race 6:25 The soccer capital of the USA and the FIFA World Cup 8:27 The innovative Rock Island Bridge project 18:54 Lexington's transformation beyond horses and bourbon22:13 Philadelphia's year-long America 250 celebrationWhere are YOU planning to go in 2026? Tell us in the comments!Connect with AAA:Book travel: https://aaa-text.co/travelingwithaaa LinkedIn: https://www.linkedin.com/company/aaa-auto-club-enterprisesInstagram: https://www.instagram.com/AAAAutoClubEnterprisesFacebook: https://www.facebook.com/AAAAutoClubEnterprises

The classifiers have been busy, and we have results of two Midwestern herds, one of which has the newest EX96 point Jersey in their barn. Find out who she is on DAT!

Theatre Guild on the Air's 1950 production of State Fair offers a gentle, nostalgic journey into the heart of Midwestern life, carried by the warmth of its p Read more ...

In this episode, our conversation explores the mission of Amazing Parish and the importance of healthy leadership within the Church. Brett and Tim Glemkowski reflect on the powerful fruits of the Eucharistic Congress, how renewal movements can collaborate rather than compete, and the reminder that true revival comes from God's movement, not just strategies or models. They share encouraging signs of spiritual hunger, especially among Gen Z, and highlight the role of leaders in discerning and supporting God's work already underway. The episode closes with reflections on the surprise election of Pope Leo, his grounded Midwestern roots, and the hope that his leadership brings for the future.   Subscribe/Rate Never miss out on an episode by subscribing to the podcast on whatever platform you are listening on. Help other people find the show by sharing this episode on your social media. Thanks!   Connect with Brett: Website: https://brettpowell.org Coaching: buildmylifecompass.com/coaching Twitter/X: @BrettPowellorg https://twitter.com/BrettPowellorg   Music "Southern Gothic" Kevin MacLeod (incompetech.com) Licensed under Creative Commons: By Attribution 4.0 License http://creativecommons.org/licenses/by/4.0/   Editing by ForteCatholic (https://www.fortecatholic.com)

The delightful Rachel Hadaway (host of Rachel's Chart Chat on the People are the Enemy podcast) returns to talk about Season 2 of Peacemaker. We're talking bird blindness, super pets, John Cena being awesome and much more. We had so much fun talking about our favorite guy and hope you'll join us!   NOTE: I don't know why I pronounced "Vigilante" so weird multiple times. I think I got in my head about how harsh my Midwestern vowels sound and overcorrected. 

Kiera goes into the key pieces for a worry-free practice, including systematizing your stress points, providing boundaries around time and energy, and leading proactively. Episode resources: Subscribe to The Dental A-Team podcast Schedule a Practice Assessment Leave us a review Transcript: Kiera Dent (00:00) Hello, Dental A Team listeners. This is Kiera and I hope you're having an amazing day. I hope that you are excited for today's podcast. I am, because like, why don't we create a stress-free practice? That sounds like, sign me up. Yes, please. Thank you. Happy to take you guys through that and how to create a stress-free practice, at least at a base level, at least certain tactical tips that you can put into place today to start exploring that, experiencing that. And honestly, I just love, I love the game of business. I love the art of business. I love.   ⁓ I love the impact and the change we're able to make. And I truly just love human beings. I love helping people just experience their best life, whether it's my sister or my friend or my neighbor or our community or our podcast family, whomever you are, wherever you are, I'm just so grateful and honored that you're here with us today. So if you love our podcast, if it's changed your way in any way, shape or form, do me a favor today and just share it with somebody that you think this could make their day better. Whether it's today's podcast or another podcast.   Go to our website, TheDentalATeam.com, click on our podcast tab, search any topic that you ever could want, make sure that you're able to access all the free resources that are available to you. And if I can help you personally or professionally in any way, you guys, truly like, I built this company to be a friend in the industry, to be somebody who has vetted all the different people out there to help you out. And it's so fun because I used to work at Midwestern University's dental college before I started consulting. And it was so fun. The other day I was on a call.   and my phone, like I was on a video call and my phone lit up and I looked at it and it was literally a dental student. we're talking throwback to the past, shout out to my Midwestern family. And I was like, oh my gosh, I've not seen that name on my phone and we're talking eight plus years. And so as soon as they finished the call, I called them back and I was like, dude, it's been so long, how are you? And it just like, my cheeks hurt from smiling so much right now.   It made me so happy to be able to have been in the industry long enough to have worked with so many different clients and have so many different resources that no matter what has been thrown my way with different clients, this student that I haven't talked to in eight years who's at a pretty awesome crossroad of their practice and their life and what they're doing, to be able to truly give them ⁓ advice, to give them resources, to help them out. And I realized once again,   that that is why this company exists. It is to truly be that friend in the industry. And he's like, Kiera, like, your time is valuable. And I was like, are you kidding? Like, this is what my time has meant for my time is meant to help and to serve and to be that resource and advocate. Whether you work with us as an active client or whether you're an massive advocate of the podcast, ⁓ or if we're just someone who have we met in passing, just know that you have somebody out there who is truly committed to making you the most successful, the happiest.   all the best resources I can possibly bring to you. That's what this podcast is about. So share this with somebody who needs this. Make sure that you get this into the hands of all these dentists that need the help, that need the resources, because this is a free resource. There's no strings attached other than just asking you to truly give back to those around you, in your community, in your study clubs. Make sure everybody is a raving fan listening to the podcast, because my job is to help you become the best that you can possibly be.   So with that today, like I said, I teased it out a little bit. We're gonna help you figure out how to create this, you know, stress-free practice. And it's honestly going to be through nothing sexy, nothing hard. I hate hard things. I like it to be easy. One of our core values is ease. So everything I bring to the podcast, everything we do in consulting should make your life easier and not harder. like honestly, stress-free practices come from systems and leadership. That's the bottom line. It's systems and leadership all day long.   And it's the discipline to follow through on both of those. That's what it is. So this is something where it's like, we're going to reduce the chaos. We're going to protect your energy and help you truly feel so much better in the practice because this is what we're about. Like this is how we're able to get you guys there. And so the systems and the leadership done with consistency will help you have stress-free practices. Now, a lot of times it's, know what you should do, but you don't do it or you don't consistently do it. It's like parents, it's like, I know I shouldn't give my kid candy, but I do it because they're screaming and I just want the screaming to stop.   Well, is that a temporary fix or is it a long-term solution? And so for this, making sure that we're systematizing. Now systems for point number one are going to be exhaustive. You will never be fully systematized. You will never be fully done and perfect in all the pieces. There will always be an evolution. And I just want to like get rid of the hope and the wish that, my gosh, like maybe I could do this or maybe it would change or I will one day reach this mountain. You won't. So when I work with offices, like how do you get them systematized? How do you do it? What's your magic diet pill? And I'm like,   Well, I systematize the stress points. I systematize what's causing the most pain that's going to give me the most gain. And I do that immediately because then the screaming stops, but it stops forever. Did you hear the difference? The screaming stops, but it stops forever rather than just feeding my baby candy. So they stop screaming temporarily. Well, then they're going to start screaming because they get a tummy ache and then they're going to throw up on me. And then that's a whole nonsense rather than just giving them the food that they actually need and want and doing that consistently to help my baby out.   So for your practices, we're gonna systematize those stress points. So what happens from this is, I usually when I go into a practice or our consultants go into your office or we're working with you virtually, we're going to look for the top three pain points that you tell us are the pain points. Then we're gonna use the data to actually tell us additional pain points. And then we're gonna look at those two things combined and we're gonna pick out the top three things that are going to move the practice forward. Like literally this is what we do.   So sometimes it's a scheduling and efficiency. It's a communication like that happens all the time. It's a billing, it's a profitability, it's a lack of production. It's a, don't know what my next step is. It's whatever your pain point is, like, my gosh, like I was talking to an office the other day and like, I'm so sick of the like time off requests and people calling out sick coming to me as a doctor. And I said, that's funny. Who's your office manager? Like what's your office manager doing? Because that should never be coming to the doctor. Should definitely be going to the office manager. That right there.   is a simple, easy fix. We put up a system, we put up a process, we just tell the team, here's the new organization chart, here's who goes to who, boom, pain point gone and resolved as long as you stick with it. So what we wanna do is we wanna look at what our top three recurring pain points are. Again, we talk to the team and then we look at your data. What do your numbers tell us are truly the issues that you're having? And then what we do is we create systems, SOPs or protocols, and then we have accountability with it. So like when I go into a team and,   there's an issue of our scheduling. Well, great, let's put a scheduling template in. Let's roll it out to the entire team. Let's let everybody know what the rules of the game are. That way everybody can play the game. And then we put it into place for six weeks and we reassess and we refine and we change it up as need be. And when you start to do this and you start to systematize, and for me, I don't like systems that you have to remember. I like systems to just be in place. So a scheduling template just goes in place and everybody can follow it. We tell them the rules of the game, but it's very easy. Like don't make it where it's like,   This green block is for just treatment, big treatment. Well, what the heck is big treatment? Let's do this green block is for a $2,000 and you can have X, Y, or Z that can go in there. Fantastic. Well, now I know when I'm looking for green blocks, any person who's a crown or quads of fills or endo or implant, like anything 2000 or above can go here and I can stick it in. Now, now that's easy. I know it's $2,000 instead of big production. That's so much easier. Then what happens if I can't fill that?   Well, great, 24 or 48 hours, whatever we decide as a team that feels good to us, we hold that block for that long and then we can go and change it. Now what happens is somebody is like, but Mrs. Jones just wanted to go in that spot. I know I'm not supposed to. What happens then? Well, great, the person who's scheduled gets to call Mrs. Jones and move her. We don't play the game. We don't get to do this. Like unless it's 24 or 48 hours, that block is held for that exact procedure. And I checked to see whose name did it and they get to call that patient with me.   awkwardly sitting there with them, supporting them, so we don't do this again. I want to make it so uncomfortable that you would rather follow the blocks rather than have to deal with the consequence. But it's fine, you know the rules of the game before we start the game. So that way no frustration occurs because expectations have been laid out. Fantastic, we follow the blocks. People are like, Kiera, we're hitting higher production. We're getting out on time. We're getting our lunches. Patients are happier. Isn't that funny? That was something that was such a big pain point for you.   And with simple little steps that we put into place that all of us like agreed to follow, the whole team's on board, we all know that. We instantly fix the problem. This is what I'm talking about, systematizing your stress points and making it to where everybody can follow it. We hold it accountable. But like once you put it in there, now there's really not a lot of like remembering what we have to do, because it's all in there spelled out. Like NDT or handoffs, if you're struggling to get your case acceptance up, put that in place.   phenomenal, it's on every single route slip, it's in every single note template, then all you really have to remember is to fill in the boxes. And we have a tee up to where the team members prompt the doctor if the doctor forgot to say it. That's great. And now you're like, Kiera, you just added $25,000 to my practice. You're welcome because you did the work. You followed the system. You systematized the pain point and we looked at the numbers to tell us based on what you're telling us, based on what the numbers are telling us, let's put this into play. So if we can solve three of those issues for you,   That would be amazing. So looking at your practice, look to see what those pain points are and commit to systematizing those, those hot points, those stress points that are going to move the needle forward the quickest for you. Then the next piece to make the stress fee is you've got to make sure that there are boundaries around time and energy. So with offices, a lot of times like burnout doesn't come from working. Burnout comes from having poor boundaries and overworking and committing to everything to where you feel like you can never catch up. So what this is is like, I love to build with doctors your ideal week.   And we're going to, guys have heard me talk about this constantly. I cluster likes with likes. So we have our admin time. We have our doctor time. We have like when I'm building out a block schedule, we have it to where you want your crowns and we have what you have at the end of the day and right before lunch. So that way we can actually batch all of this along. You can get a lot more done when it's batched and it's clustered and it's connected. And then we protect that. Like doctors, I tell them, like, here, I can never get out of here on time. And I'm like, great. So here's the deal. You get out by like, what's reasonable.   Let's say you end patients at five, you're out the door by 530. For every day you're not out at 530, I'm gonna let you out of a four day work week, if you have three days, you gotta get out one day, that way you don't have to be perfect. Three days you gotta be out by 530, and if you're not out by 530, you owe me a thousand bucks at the end of that week. my goodness, guess what? They instantly get out at 530, how? Because we made it a priority, we had a strong boundary on it, and we said this is what we're doing, and there was something on the other side of it.   Or it can be like, okay, you follow this for the next two weeks and you get to have a pedicure or a massage or whatever you want to do. We attach something fun to it. But what's wild is just changing how we're working. It's changing how we're setting this up, but we're making it a, like it's a, it's a no go zone. We don't go past this and we say no to what doesn't align in those blocks. So for me, I know I've got podcasting days. Tiffanie was like, Kiera, can you wait? And I said, no, Tiff, I've got podcasting. Like I gotta get there. And she's like, that's okay. I can take care of it in another time.   Or I could have been like, absolutely, Tiff, no worry. Like I'll push the podcast. Like not a big deal. Well, when I do that, yeah, then I'm to be working on podcasts later. Everything goes down. Nothing works well because I didn't set boundaries around my time. And I didn't make a commitment that I was worth it because saying yes to something is saying no to something else. And I say yes to Kiera because I know at the end of the day, my greatest asset in life is my body. It's my time. Like that's my greatest assets. And so I've got to be so, so, so strict on it.   Everybody will try to take it. It's my responsibility to be consistent with that. So we protect that. We say no. And what's wild is when doctors will do this and they set up their ideal weeks, when they set up their admin time or their CEO time, their deep work time, and they actually commit to it and they stick with it, they literally start to grow the practice exponentially. They start to feel so much happier. They start to get out on time. They start to have more time with their families. I had one doctor and she was just burnt to a crisp.   Hated her life. I will tell you this woman now is since working with us has added over $450,000 to her practice She's got a 24 to 1 ROI of her consulting to her amount that she's paid in consulting to what we've brought to her practice Pretty good ROI that's better than the stock market if you ask me so a great great odds to bet on if you're looking for something And I remember she was just burnt out and she's like here. I have to like keep working every single night I'm exhausted and I said great. Here's your   Here's your task, every night I want you out the door by let's commit to a time, 5.30. And I said, and you're gonna go home and you're gonna give yourself and your family a gift and there's no work, it doesn't come with you. It doesn't like, you don't get to take home that backpack. Like I think schools have mistaught us that we go to work all day long, AKA school, and then we come home and we work all night long. And I'm so anti this model. Like, whoo, get me on a soap box.   because then we do that at work and we're working 40 hours and then we're taking it home and then we're not showing up for our families and we're not showing up for ourselves and then we wonder why we're chronically tired and we're not working out and on and on and on on and And I'm just so sick of it that I'm like, awesome to this doctor. said, great. So tonight's a gift. I want you to leave everything at work. It's gonna be here for you tomorrow. Like you go home and work on it for two more hours. Are we really gonna move the needle? And she's like, no, probably not. I was like, I want you to go home tonight and I want you to go have fun with your kids.   I want you to go be with your husband and I want you to like, let me know how you feel tomorrow. And I got a text and she's like, Kiera, like I played a game with my kids and it felt so good to be a mom and to show up. And we consistently started giving her her life back. And we started to have helping her see like at five 30, you're out the door. We don't take anything home with it because when we have those parameters and those boundaries, what happens is you naturally find ways to actually accomplish the work because you know, it's a hard no. And I used to take work with me all the time and it used to be this   And then I was like, absolutely not. So for me, my boundaries are, I do not work at all, like ever, non-negotiable on Sundays, period, nothing. And I don't work on Saturdays. Like there might be an emergency here or there, which that's fine. And it is a true absolute emergency. Like we're talking, someone's quitting and we've got to figure out what we're gonna do. Like Sarah is something that we, there was no planning for it. Like those types of things, absolutely. But 99.9 % of things do not need to be resolved on a Saturday.   clients text me on a Saturday and I love them and hey, I'm here for it. I'm not here for it on Saturdays. So great. And I tell clients text me all the time. And if I'm busy with family or I'm not available, I will not respond to you, but you get it out of your head. You get it over to me. I will take care of it when I'm back in the office. So fine. I don't care if clients text me on Saturday. That's fine. It does not bother me. It does not disrupt me because I know that Saturdays I don't work. That's my free day. I also have a CEO day that literally I block. And I know because if I have white, white noise time, deep work time,   So much more happens in the business. I also have workout time for myself. I work out three to four times a week. That's a non-negotiable. I have my morning routine every single morning, non-negotiables for me. That did not start as a day one. It became a process. But I started realizing if I don't take care of me and I don't have this future vision of 90 year old Kiera who's still super, super, super sharp. She's got time. She has energy. Her body's strong. She took care of herself. If I don't prioritize that version of me.   Today, she's not gonna be here at 90. So this is for you to predict your boundaries, to set it out. And I promise you, I promise you, the stress in your practice will actually decrease because you will be better balanced, you will be better focused, you will be better, like just cognitively, you will feel like you're not exhausted all the time and you can make better decisions. So your leadership will actually rise if you start to set those boundaries around your time and energy. And then number three is leading proactively and not reactively.   So for that, like once again, this comes to you as a calm leader and you taking care of you. So it's tying to the top of yes, we've got these boundaries, we know where we're going to be, but also at the same time, like you have these pieces where we actually have structure in there. So like we use morning huddles and we have one-on-ones. So we prevent problems from stemming in the future. ⁓ We have set meetings where we make decisions instead of it being on the fly decisions.   We have set time that we get all those ortho checks back to our team. We have set times that we actually review pieces in the company. ⁓ We have debriefs. We have a same page meeting with our office manager. ⁓ We have set date nights with our spouse. We have set workout times with ourselves. But all these little set points, they feel like, as I say it, I'm like, gosh, that might feel like a lot. It's like, hey, block your whole life. So you've got all these color blocks.   But the reality is when you've got this structure, you're very proactive, not reactive, and you actually have a lot more time in your world. People are like, Kiera, how do you get so much done? How do you podcast three times a week, guys? You're welcome. And it's been going on for almost six years, thousands of episodes. People are like, how do you do it? And how do you have clients? And how are you a CEO? And how do you have time for your husband? How do you work out? And I'm like, honestly, it's because you're very proactive and not reactive. I used to be very, very reactive when I first started the company. And then we moved it into a space where it was a phenomenal.   we can take care of this. We don't have to have answers right away. I grew up as a CEO. I grew up as a leader, but it was leading proactively and not reactively. So looking to see where are quick areas that you might be a little reactive and how could you be a bit more proactive on that? ⁓ Like I said, what things can we put into place beforehand to make sure they're not there? So when we look at this, this is how you're able to build a stress-free practice of you systematize the top   priorities, like we systematize those stress points and we get those dialed in. Then we protect our time. have boundaries around it. And then we lead proactively and we put things into place. So that way in our team, bubbles and issues are arising constantly. We teach our team how to have effective meetings, how to have issues lists, how to solve things like, Oh, I have a team like on this leading proactively. They have so many issues all the time. I'm like, I have never in my almost decade of coaching how to practice have this many fires all the time.   And I'm like, all right, you guys are like a spinning top. So you need to build an issue. Listen, we need to stop having like, stop answering and solving problems every single day, all day long. Cause what you're teaching your team is they can just like vomit on you and you're going to like fix it constantly. Like it's like a child throwing a temper tantrum. Like, let's like, no, sometimes timeouts are necessary. Sometimes a calm and a shutdown time is good. ⁓ I've read a lot of books and they're like, people will say, Hey, when can I get that decision? Like,   At nine o'clock on Friday is when my thinking time is and I'll have a decision made by then. Like how incredible and people are okay with that. So it's this proactive rather than reactive. And we've got this team to where they now have their issues board. They only make decisions on their leadership days. They're not having to go through the fly constantly. They have set times. I had to do that too. And this is how I know that if you do this, this is how you can create stress-free practices because it's not perfect, but it is prepared.   has a lot of pieces in there I will tell you that's how you're able to literally like shut the phone off at night, able to disconnect, able to know that everything's being taken care of. I still feel like there is always this like hum of nervousness, ⁓ but it does, the noise of that nervousness goes down to where you're able to not feel like it's constantly there. So if this is something that you feel like you're constantly putting out fires, this is literally what we do all the time. ⁓   And so this is where I'd love for you guys just to subscribe, ⁓ to share, to like, to follow along, to help you guys and to share this with somebody who deserves more peace of mind. And that might be you. And if that's the case, then like, let's help you build your practice this way. Let's help train your team this way. Let's help train you as a leader because leaders aren't made, they're created. And I feel like so many of us just think that we're born out of the womb, a great leader. And it's like, no, a great leader is created. It's formed, it's evolved.   And so for you to realize like that is part of it, this is where it's going to be for you. So take the challenge, let's help you get that stress free practice. does like go for this systematize, set boundaries around your time and lead proactively and reach out Hello@TheDentalATeam.com at all, if we can help you in any way, or form, because I want you to be living your best life. I want you to not be stressed. I want you to know that success doesn't have to be a hope and a wish, but it can be predictable for you.   And this is how I love to help practices. This is what our consultants are obsessed about. They're brilliant women ⁓ who just know how to lead teams that have done this successfully many times over. So reach out, do yourself the favor and commit to like, I'm not gonna be stressed anymore. And there's a better way to do it. And I'm going to commit to doing that and reach out. Hello@TheDentalATeam.com. And as always, thanks for listening. I'll catch you next time on the Dental A Team podcast.  

On this episode, presented by Busey Bank, I'm sitting down with Lisa Nichols—CEO of Technology Partners, host of the Something Extra podcast, and now author of the newly released book by the same name. For over 30 years, Lisa has led with purpose, building one of the most respected IT staffing and solutions firms in the Midwest, all while championing culture, transparency, and mutual wins. We have a candid conversation about what it really takes to grow a company with heart. We'll explore the lessons Lisa has learned from hundreds of podcast interviews, how she's nurturing the next generation of tech leaders, and why she believes your growth quotient—your GQ—is just as important as your IQ or EQ. We'll also dive into her new book, Something Extra, and the character traits she believes define transformational leadership.  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...

Today, Midwestern highways inspire us to ask:Why are barns red? What defines the boundaries of the Midwest? Why are Hay Bales round? And finally, most controversially, perhaps, which Midwestern state has the worst drivers? Let's explore the answers as we hit the road! Works Cited: https://blogs.loc.gov/picturethis/2018/05/a-closer-look-why-barns-are-red/https://dahp.wa.gov/barn-paint-colorshttps://www.smithsonianmag.com/travel/why-are-all-swedish-cottages-painted-red-180975914/https://falurodfarg.com/en/about/the-story-of-the-red-cottage/https://www.chicagomag.com/city-life/maybe-the-midwest-is-a-state-of-mind/https://www.nytimes.com/2024/10/18/us/midwest-states-harris-trump.htmlhttps://www.forbes.com/sites/kionasmith/2021/03/18/this-is-why-hay-bales-are-round/https://www.vermeer.com/na/balers/historyNoah and Noodles here! We want to extend a heartfelt thanks to every listener of Backroad Odyssey. Your support fuels our passion and inspires us to keep sharing stories and discover overlooked locations. Follow each adventure visually at:https://www.instagram.com/backroadsodyssey/

Ugly Stick's Absinthe returns in 2025 with a long overdue vinyl reissue, more than thirty years after its first appearance on CD in 1993. Formed in Delaware, Ohio in 1989, the four-piece carved out a sound that was equal parts Los Angeles punk and Midwestern heartland rock, drawing on the grit of X and the melodic punch of Tom Petty to create what critics would later hail as “genre-crossing” and “seminal.” Hovercraft Records has remastered the album and added bonus material from contemporaneous live shows and unreleased studio sessions, marking the record's first-ever release on LP and digital platforms. Steeped in the small towns and shrinking industrial landscapes of Middle America, Ugly Stick were uniquely positioned to capture the tension of that moment in time. Their cow-punk attack carried both the edge of beer-soaked garage nihilism and the expressiveness of roots rock filtered through a landscape of carnival posters, endless farm fields, and collapsing barns. As Columbus Alive once wrote, Absinthe was “the bedrock of the Cowtown sound,” establishing Ugly Stick as central figures in a movement that defined the Columbus scene of the early '90s. The record's remastered release only underscores how prescient the band was. “Their mix of punk, college rock and alt-country was years ahead of its time,” noted Daggerzine. Exclaim! observed that “straddling the line between genres is never an easy task but with Ugly Stick's talent and experience the results have rarely been so rewarding.” From the ragged twang to the jangly guitars, the band's ability to transform punk and rockabilly into something original drew international praise, with Belgium's Rootstime calling them “pioneers of a genre and a sound which was baptized as the Columbus sound.”Photo Credit: Amy Rathbone UGLY STICK ONLINE INSTAGRAM | FACEBOOK | BANDCAMP | YOUTUBE Checkout my YouTube Channel with long form interviews from the Subversives | the History of Lowest of the Low. https://www.youtube.com/playlist?list=PL9d1VSeOHYuxFWKuRdmn9j8UTW6AHwS_fAlso my Weekly Tour Vlog is up an live on the YouTubeshttps://www.youtube.com/playlist?list=PL9d1VSeOHYuwphwhc4zd0VgY66f1OUQZp Pledge monthly with Patreon https://www.patreon.com/apologueShop Apologue products at http://apologue.ca/shopCheck out new Four Square Here: https://distrokid.com/hyperfollow/foursquare/brighton-beach-ephttps://distrokid.com/hyperfollow/foursquare/seven-oh-sevenhttps://distrokid.com/hyperfollow/foursquare/industry-at-home–21st-anniversary-remix-remasteredhttps://distrokid.com/hyperfollow/foursquare/when-weeks-were-weekends

We were planning to knock this one out together, but I'm sick and Ryan very graciously covered for one last solo show.Flipping The Field is presented by Meet At Midfield and Homefield Apparel. Use code MEETATMIDFIELD for 15 percent off your first order at Homefield Apparel.If you like the show, please tell a friend and leave a five-star review. If you want to keep up to date with the show, subscribe on your podcasting app of choice and follow the show on Twitter at FieldFlipping.If you have a question you'd like answered on the show, send us a DM on the show's Twitter account.

Your Nebraska Update headlines for today, Dec. 1, include: NCAA volleyball UNL and Creighton tournament schedule, state agencies coordinate support for Tyson workers ahead of plant closure, Midwestern farmers face difficult year producing major crops at loss, Lesser Prairie Chicken protection shifts as states continue conservation, City of Omaha hopes Vision Zero initiative can curb pedestrian deaths.

Our horticulture experts brainstorm solutions for a well-intended caller who gifted his wife a tropical plant in a Midwestern climate.

Top 5 Topics:- Truth About Becoming an Oral Surgeon: This You Haven't Heard About Before- 24-Hour Shifts, Zero Sleep, Real Trauma — The Brutal Reality of OMFS Residency- Study Hacks That Changed My Life Forever- Should You Specialize? The Honest Talk Every Dental Student Needs to Hear- 4-Year vs 6-Year OMFS: The Debate Quotes & Wisdom:[02:40–03:15] “Effective studying gets you A's; efficient studying gets you your life back.”[08:55–10:20] “If you can't see the change, you have to create it.”[16:40–17:40] “Just because you want your candle to shine brighter doesn't mean you have to put everyone else's candle out.”[19:11–20:05] “There will be time to study later. There won't be time to go on that trip or see family. Don't waste your gap year studying for the CBSE.”[20:05–20:55] “Whatever you study during your gap year, for the CBSE, will go in one ear and 90% out the other until you're in dental school.”[24:40–25:40] “When things are hard in residency, your routines — exercise, cooking, music, family — are what you rely on.”[41:50–43:00] “CBSE first, externships second, research third. But be self-aware. Comparison is the thief of joy.”[49:44–50:25] “There are so many rumors in dental school that aren't even true. Don't get distracted by them.”Questions:[05:13] – “What are the real differences between the 4-year and 6-year OMFS pathways, and what fellowships exist after training?”[13:31] – “How did you personally decide OMFS was right for you when there are so many specialties?”[18:40] – “Should I start studying for the CBSE during my gap year before dental school?”[22:11] – “How hard is the transition from dental school to OMFS residency, and what is PGY-1 actually like?”[30:22] – “How did you study for the CBSE, what resources did you use, and when did you take your last attempt?”[33:49] – “Can OMFS residents realistically moonlight to supplement income?”[41:28] – “As a D1 who wants OMFS, when should I start studying for the CBSE and how should I prioritize grades, research, and externships?”[44:23] – “What CBSE score should we aim for to be competitive in OMFS?”Now available on:- Dr. Gallagher's Podcast & YouTube Channel- Dose of Dental Podcast #198- 11.2025

00:00:00 – Audio setup woes and new computer teething problems 00:04:42 – Chris's heroic quest for the limited-edition Taco Bell Baja Blast pie 00:09:18 – Viral social-media crop looting: China chili peppers edition (follow-up to Polish potato prank) 00:22:39 – FBI quietly releases 1970s Bigfoot hair-sample file right before new Politte sasquatch doc 00:31:14 – Clip and discussion of David Politte's new film "American Sasquatch: Man, Myth or Monster?" 00:40:23 – Paranormal vs nuts-and-bolts divide in UFO/Bigfoot research 00:49:12 – Jeff Daniels on MSNBC declares Trump ruined Midwestern decency 00:53:54 – Joe Walsh (Eagles) very senior moment live at the Sphere 00:58:37 – CIA brain-weapon and mind-control headlines; MKUltra rollout phase suspected 01:07:36 – Havana Syndrome, super-soldier tech, and upcoming arms-control talks 01:12:24 – 15-year-old Belgian quantum-physics prodigy now chasing "creating super humans" 01:17:25 – Caller segment begins 01:27:04 – WaitTime TV: the Disney-resort channel you can buy for your house 01:32:06 – Costco AI-generated Danish butter-cookie tin artwork outrage 01:41:47 – Major AI conference caught using AI for 21 % of peer reviews 01:51:12 – Tokyo Haneda Airport computerized toilets fail on Brown Friday   Copyright Disclaimer Under Section 107 of the Copyright Act 1976, allowance is made for "fair use" for purposes such as criticism, comment, news reporting, teaching, scholarship, and research ▀▄▀▄▀ CONTACT LINKS ▀▄▀▄▀ ► Website: http://obdmpod.com ► Twitch: https://www.twitch.tv/obdmpod ► Full Videos at Odysee: https://odysee.com/@obdm:0 ► Twitter: https://twitter.com/obdmpod ► Instagram: obdmpod ► Email: ourbigdumbmouth at gmail ► RSS: http://ourbigdumbmouth.libsyn.com/rss ► iTunes: https://itunes.apple.com/us/podcast/our-big-dumb-mouth/id261189509?mt=2  

David Utterback is a multiple-time James Beard Award honoree and the first Nebraska-based chef to be named a finalist for Best Chef: Midwest (2023). As the chef and owner of Omaha's acclaimed restaurants Yoshitomo, Ota, and Koji (his flagship Japanese restaurant, high-end omakase counter, and izakaya concept, respectively), he has earned national recognition for redefining Japanese cuisine in the American Midwest—with even The Washington Post declaring Ota as one of the country's best sushi restaurants. A self-taught sushi chef, David isknown for melding Midwestern ingredients with Japanese precision and technique, creating a style that honors tradition while pushing the boundaries of what sushi can be.Born to a Japanese mother and American father, David's path to sushi was unconventional. After years of being immersed in Omaha's indie punk scene, a job at a local sushi restaurant shifted his focus and ultimately sparked a lifelong passion. In 2008, a formative trip to Japan– including a meal at Sukiyabashi Jiro and a rare apprenticeship offer from Jiro Ono himself – solidified his commitment to mastering the craft on his own terms. Guided by self-study, his mother's translations of Japanese culinary texts, and countless omakase experiences across Japan and the U.S., David has forged a style that is both deeply personal and distinctly regional.He continues to challenge expectations of where exceptional sushi can be found – and what it can taste like.Send us a textFirecracker Farm Small-batch Spicy Salt Family farm with a secret blend of Carolina Reaper, Ghost, and Trinidad Scorpion peppers.Disclaimer: This post contains affiliate links. If you make a purchase, I may receive a commission at no extra cost to you.Support the show

In this episode Hugh Flynn talks about his new memoir, 'Something Special: A Gay Brother, A Disabled Brother, An Eventful Brother, A War.' Hugh shares the emotionally charged story of his brother Aaron, who has Down Syndrome, and the familial and legal battles he faced to protect him. They touch on the themes of unconditional love, resilience, and the complexities of family dynamics. Hugh also reflects on his own experiences growing up in a Midwestern family, his career as a writer, and his personal connection to Bruce Springsteen's music. Don't miss this touching and insightful conversation! https://a.co/d/3Am2omQ https://www.instagram.com/hughflynn24 00:00 Introduction and Guest Welcome 01:12 Hugh Flynn's Background and Career 02:34 Writing and Teaching Insights 05:32 Family and Early Influences 15:27 Aaron's Story and Family Dynamics 33:01 Family Feud and Legal Battles 34:05 The Role of Attorneys and Bias in Probate 34:49 Aaron: The Calm in the Storm 35:45 Writing the Book: A Non-Sequential Journey 36:40 Societal Values and Personal Reflections 37:32 Aaron's Influence and Family Dynamics 38:48 The Power of Unconditional Love 43:54 Legal Struggles and Personal Sacrifices 51:20 Bruce Springsteen and Music Memories 55:50 Final Thoughts and Farewell Learn more about your ad choices. Visit megaphone.fm/adchoices

Dr. Thema and Allie explore body positivity, confidence, and joy despite the realities of fat phobia. Allie shares the importance of supportive parents and faith as she pursues her dreams of modeling. Despite encountering biases from leaders in schools, faith communities, and the modeling industry, Allie victoriously reclaims and celebrates herself. Allison Sowle is a model and storyteller who's passionate about body positivity, self-acceptance, and navigating life transitions. Originally from a small Midwestern town, she moved to Los Angeles to pursue modeling and has worked to challenge fatphobia in the fashion industry while staying grounded in her own confidence and joy. Allison also shares her journey of embracing visible skin conditions like eczema and psoriasis, inspiring others to feel at home in their own bodies. For more support on your journey, check out Dr. Thema's books Matters of the Heart, Reclaim Yourself, and Homecoming. As you listen to this episode, don't forget to like, comment, subscribe, and share. Music by Joy Jones.

Chicago Way w/John Kass (11/24/25): Thanksgiving is upon us, but senseless violence continues to plague the city, and John Kass wonders if the judges who let career violent criminals back on the street to destroy more lives will ever be held accountable? Kasso is thankful for a good cup of Kribi Coffee and supports their […]

Kennedy reunites with Host of FOX Across America and FOX News Saturday Night, Jimmy Failla, for a Thanksgiving-week catch-up that's equal parts road stories, family dysfunction therapy sessions, and Kennedy's first attempt at smoking a turkey, guided spiritually by Jimmy's Midwestern wife, Jenny. Kennedy Now Available on YouTube: ⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.youtube.com/@KennedySavestheWorld⁠⁠ Follow on TikTok: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.tiktok.com/@kennedy_foxnews⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Join Kennedy for Happy Hour on Fridays! ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://youtube.com/playlist?list=PLWlNiiSXX4BNUbXM5X8KkYbDepFgUIVZj⁠⁠⁠ Learn more about your ad choices. Visit podcastchoices.com/adchoices

Sometimes the most ‘mundane' horror is the scariest, as we learn from author Grace Daly. She joins us to talk about the intersection of medical horror, comedy, and Irish folklore, as well as provides some great context for the Midwestern desire to be a part of Team Ignorant! Content Warning: This episode contains conversations about or mentions of ableism, death, disability, medical discrimination, gore, dismemberment, natural disasters, nuclear bombing, colonialism, and religious trauma. GuestGrace Daly is a disabled author with multiple invisible chronic illnesses. She is published in the horror anthologies Rewired and Sand, Salt, Blood, as well as in Allegory E-Zine, the Timber Ghost Press blog, and the Tales to Terrify podcast, among others. Her debut novel, a horror comedy titled “The Scald-Crow”, is out now with Creature Publishing.Housekeeping- Books: Check out our previous book recommendations, guests' books, and more at spiritspodcast.com/books- Call to Action: Get our Old Wives' Tale Teller Corduroy Hat!- Submit Your Urban Legends Audio: Call us! 617-420-2344Sponsors- Bookshop.org, where you can now use the code we shared in the midroll to get 10% off your purchase!Find Us Online- Website & Transcripts: spiritspodcast.com- Patreon: patreon.com/spiritspodcast- Merch: spiritspodcast.com/merch- Instagram: instagram.com/spiritspodcast- Bluesky: bsky.app/profile/spiritspodcast.com- Twitter: twitter.com/spiritspodcast- Tumblr: spiritspodcast.tumblr.comCast & Crew- Co-Hosts: Julia Schifini and Amanda McLoughlin- Editor: Bren Frederick- Music: Brandon Grugle, based on "Danger Storm" by Kevin MacLeod- Artwork: Allyson Wakeman- Multitude: multitude.productionsAbout UsSpirits is a boozy podcast about mythology, legends, and folklore. Every episode, co-hosts Julia and Amanda mix a drink and discuss a new story or character from a wide range of places, eras, and cultures. Learn brand-new stories and enjoy retellings of your favorite myths, served over ice every week, on Spirits.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

THE DEVIL'S LEDGER — Week of November 17th Featuring: The Creepiest Thing I Heard This Week — “The Empty Place Setting” Welcome back to The Devil's Ledger, your weekly tour through everything happening across the Evio Creative Network. With Thanksgiving around the corner, we begin—as always—with The Creepiest Thing I Heard This Week. This time, we're telling a story pulled straight from Midwestern legend: The Empty Place Setting — a Thanksgiving tradition kept alive by a family haunted by loss, ritual, and three slow knocks that return every year without fail. From there, we travel across the Evio network for a packed week of new episodes, deep dives, historical reckonings, and true-crime investigations.

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.