Podcasts about nationally

Mamba Jalapeño Verde Fresco Hot Sauce Review Have Fun!!! –  Dry September!    Hot Sauce Review – My Big Fat Bloody Mary INTRO:  Welcome back to the award winning, Nationally syndicated My Big Fat Bloody Mary podcast where you will never drink alone. I missed you last week!  Hope your Sunday …

Nationally syndicated financial columnist and author Terry Savage joins John Williams to talk about short term interest rates dropping, why it might be time to revise your budget, the recent revision of the labor report numbers, how much the Fed will cut rates later this month, and the big takeaway from today’s inflation data. Terry also answers all of […]

In hour 1 of the show, Tobin & Leroy are starting to get over the Dolphins week 1 loss to the Indianapolis Colts and move on to the New England Patriots. Tobin is upset wit some of the comments from head coach Mike McDaniel at his Monday press conference, where he attempted to call out DT Zach Sieler and it didn't seem genuine. T&L talk about the chances that Mike McDaniel may lose his job after week 3 if they lose to the Pats and Bills in the next 2 weeks. They also critique QB Tua Tagovailoa for his remarks after the game.

When I first came across my guest on social media, I couldn't quite believe what I was seeing. His interactions with the animals wasn't only unique and intriguing, but I found a sense of calm come over me. Plume was lucky enough to have been surrounded by women all of his life. These same women are a big part of how and why he's on this journey now.  I'm so happy we were able to have a conversation, not only about his new bond with his animal audience, but he's also lending a different perspective on life and what's important. My guest's videos have a very calming effect on his audience. Yet, in seeing how the animals interact with Plume brings a smile to my face and a more human perspective to the magic of the beautiful four and two legged creatures he interacts with.Currently, Valerie, Plume's mother, is part of his production crew, as his camera-woman. She has always been very supportive of his work.His maternal grandmother, Paule and her three sisters helped raise Plume since a child.  Paule is still very present in his life today. She plays the piano and has a wonderful sense of humor and attitude about life. And we also had an opportunity to hear about Elsa, Plume's girlfriend, who Plume says is a constant source of support and love. As a creative, Plume says "it can be hard to believe in yourself and in what you're doing," and Elsa has always been there to encourage him.Growing up in France, Plume was introduced to cows nearby to his grandmother's home. HIs grandmother's sister, who knew the cows the best, reassured him at a young age, that they were friendly, kind and curious.One of the more rare and distinct animals that Plume has encountered is an okapi. An okapi is not a true "mix" of animals but is the only living relative of the giraffe.I thoroughly enjoyed meeting my guest and sharing his story of bountiful love and support from the many important women in his life. And my guest is also very gracious and sincere when he says he's so fortunate to get get the opportunity to share his love of music with these beautiful creatures in the preserves and his human audience around the world wide. SOCIAL MEDIA LINKS:IG: Plumesofficiel       FB:Plumes "Should Have Listened To My Mother" is an ongoing conversation about mothers/female role models and the roles they play in our lives. Jackie's guests are open and honest and answer the question, are you who you are today because of, or in spite of, your mother and so much more. You'll be amazed at what the responses are.Gina Kunadian wrote this 5 Star review on Apple Podcast:SHLTMM TESTIMONIAL GINA KUNADIAN JUNE 18, 2024“A Heartfelt and Insightful Exploration of Maternal Love”Jackie Tantillo's “Should Have Listened To My Mother” Podcast is a treasure and it's clear why it's a 2023 People's Choice Podcast Award Nominee. This show delves into the profound impact mother and maternal role models have on our lives through personal stories and reflections.Each episode offers a chance to learn how different individuals have been shaped by their mothers' actions and words. Jackie skillfully guides these conversations, revealing why guests with similar backgrounds have forged different paths.This podcast is a collection of timeless stories that highlight the powerful role of maternal figures in our society. Whether your mother influenced you positively or you thrived despite challenges, this show resonates deeply.I highly recommend “Should Have Listened To My Mother” Podcast for its insightful, heartfelt and enriching content.Gina Kunadian"Should Have Listened To My Mother" would not be possible without the generosity, sincerity and insight from my guests. In 2018/2019, in getting ready to launch my podcast, so many were willing to give their time and share their personal stories of their relationship with their mother, for better or worse and what they learned from that maternal relationship. Some of my guests include Nationally and Internationally recognized authors, Journalists, Columbia University Professors, Health Practitioners, Scientists, Artists, Attorneys, Baritone Singer, Pulitzer Prize Winning Journalist, Activists, Freighter Sea Captain, Film Production Manager, Professor of Writing Montclair State University, Attorney and family advocate @CUNY Law; NYC First Responder/NYC Firefighter, Child and Adult Special Needs Activist, Property Manager, Chefs, Self Help Advocates, therapists and so many more talented and insightful women and men.Jackie has worked in the broadcasting industry for over four decades. She has interviewed many fascinating people including musicians, celebrities, authors, activists, entrepreneurs, politicians and more.A big thank you goes to Ricky Soto, NYC based Graphic Designer, who created the logo for "Should Have Listened To My Mother".Check out our website for more background information: https://www.jackietantillo.com/Or more demos of what's to come at https://soundcloud.com/jackie-tantilloLink to website and show notes: https://shltmm.simplecast.com/Or Find SHLTMM Website here: https://shltmm.simplecast.com/Listen wherever you find podcasts: https://www.facebook.com/ShouldHaveListenedToMyMotherhttps://www.facebook.com/jackietantilloInstagram:https://www.instagram.com/shouldhavelistenedtomymother/https://www.instagram.com/jackietantillo7/LinkedIn:https://www.linkedin.com/in/jackie-tantillo/YOUTUBE: https://www.youtube.com/@ShouldHaveListenedToMyMother

Nationally syndicated financial columnist and author Terry Savage joins Lisa Dent to review the activity of the markets. Savage anticipates that, due to signs of a weakening economy, the Federal Reserve may cut interest rates by half a point. Then, as always, she answers questions from listeners.

BRYAN- COLLEGE STATION — Texas A&M University regents on Aug. 28 approved next year's operating budget of .1 billion and announced a two-year freeze on what Texas resident undergraduates pay for academics. Tuition and all academic fees will stay at current levels for the 2025-26 and 2026-27 academic years across all of the universities of the Texas A&M University System. Nationally, many public university systems outside Texas have adopted tuition and fee increases in recent cycles to respond to inflation and increased operating costs. The A&M System's two-year freeze positions it as an outlier for affordability among large public systems...Article Link

Back on this day in 1986 the Oprah Winfrey show was broadcast nationally for the first time. The Oprah Winfrey show went on to be one of the most successful television programs of all time. 

My co-host is Carol Ann Kates.  Lets call her a food expert - Nationally award winning cookbook "Secret Recipes from the corner store". A lifetime of grocery store experience, has the book "Grocery shopping secrets, Reduce Your Food Budget with Grocery-Insider Wisdom".  And an excellent weekly blog, definitely check Carol out at https://www.carolannkates.com/National Star Trek day. Entertainment from 2022. Michelangel unveiled his statue of David, Scoth Tape invented, 1st recorded Beastiality in North America. Todays birthdays - Jimmie Rogers, Frank Cady, Sid Caesar, Peter Sellers, Patsy Cline, Benjamin Orr, Aimee Mann, David Arquette, Martin Feeman, Pink.. Queen Elizabeth 2 died.Intro - God did good - Dianna Corcoran    https://www.diannacorcoran.com/Star Trek TV themeYou are not alone - Michael JacksonSomeone else's star - Bryan WhiteBirthdays - In da club - 50 Cent    http://50cent.com/Waltzing Matilda - Jimmie rogersGrease movie sound trackCrazy - Patsy ClineJust what I needed - The CarsVoices carry - Til TuesdayRaise your glass - PinkExit - Love to try them on - Shane Owens    https://www.opry.com/artists/shane-owenscountryundergroundradio.comHistory and Factoids webpage

This week on Big Business, Britt is joined by one of Australia’s most loved food/drink reviewers, now turned entrepreneur, Russell Stuart (better known as Russ Eats). Famous for his brutally honest and hilarious food reviews, Russ has now found himself on the other side of the counter with the launch of his very own energy drink: Russ Energy. Find out how Russ has turned his huge online following into a loyal customer base, the wild journey of launching Russ Energy into 7-Eleven stores nationwide and why not taking himself too seriously might just be his secret to success. Russ proves that business can be bold, fun, and completely outside the box. LINKS Follow Britt on: Instagram - @brittney_saunders Instagram - @bigbusiness_podcast TikTok - @brittney_saunders YouTube - Brittney Saunders - Fayt The Label Check out FAYT The Label HERE. Purchase my book "Just Getting Started" HERE Follow Russ on: Instagram - @russ.eats Instagram - @russ.energy Tiktok - @russ.eets CREDITSHost: Brittney Saunders. Senior Producer: Xander CrossManaging Producer: Elle Beattie Find more great podcasts like this at novapodcasts.com.au and follow Nova Podcast's Instagram @novapodcastsofficialSee omnystudio.com/listener for privacy information.

Tulsa World columnist Berry Tramel joined DJ & PK for his weekly visit to talk about the Big 12, BYU and Utah.

Nationally syndicated financial columnist and author Terry Savage joins John Williams to talk about the economic forecast for the remainder of 2025. Terry and John are joined by the always engaging Dr. Bob Froehlich, who makes his stock market (Dow) prediction for the rest of the year.

Nationally syndicated financial columnist and author Terry Savage joins Lisa Dent to discuss whether or not she thinks that the federal reserve will cut interest rates this month. She reviews her upcoming column. And, as always, she answers questions from listeners.

Starting lineup: Utah's 43-10 win over UCLA Utah State head coach Bronco Mendenhall What You May Have Missed

In the long eighteenth century, as Britain grappled with the aftermath of the 1707 Acts of Union and consolidated a global empire, Welsh ‘Cambro-Britons' developed a movement of cultural awakening, reinventing their traditions for a new age. Amid profound local, national and imperial transformations, Welsh authors and activists sought to reimagine their history, language and literature, claiming a place for Wales and the Welsh diaspora in the British imperial order. Far from being an insular phenomenon, this revival intersected with key debates of the era, from enlightenment science and radical politics to colonial expansion, transatlantic abolitionism and metropolitan sociability. Welsh Revivalism in Imperial Britain, 1707-1819: True Britons and Celtic Empires (Boydell & Brewer, 2025) by Dr. Rhys Kaminski-Jones reframes Welsh cultural revivalism, revealing its fundamentally international and archipelagic dimensions. Nationally significant Welsh authors like Lewis Morris, David Samwell, Thomas Pennant, and Iolo Morganwg are placed in their transnational, imperial, and global contexts. Examined alongside Thomas Gray's British bardism, William Jones's Orientalism, and the imperialism of Cook's voyages, their writings demonstrate how Welsh thinkers engaged with – and shaped – shifting ideas of Britishness, empire, race, and identity. Drawing on new archival research, and giving equal attention to Welsh and English language texts, Dr. Kaminski-Jones challenges traditional narratives of Welsh cultural nationalism as a simple precursor to modern Welsh nationhood, instead positioning the revival as central to transatlantic intellectual currents. With its pathbreaking bilingual and interdisciplinary approach, this book offers fresh insights into the complexities of nationhood, empire, and cultural memory. 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

In the long eighteenth century, as Britain grappled with the aftermath of the 1707 Acts of Union and consolidated a global empire, Welsh ‘Cambro-Britons' developed a movement of cultural awakening, reinventing their traditions for a new age. Amid profound local, national and imperial transformations, Welsh authors and activists sought to reimagine their history, language and literature, claiming a place for Wales and the Welsh diaspora in the British imperial order. Far from being an insular phenomenon, this revival intersected with key debates of the era, from enlightenment science and radical politics to colonial expansion, transatlantic abolitionism and metropolitan sociability. Welsh Revivalism in Imperial Britain, 1707-1819: True Britons and Celtic Empires (Boydell & Brewer, 2025) by Dr. Rhys Kaminski-Jones reframes Welsh cultural revivalism, revealing its fundamentally international and archipelagic dimensions. Nationally significant Welsh authors like Lewis Morris, David Samwell, Thomas Pennant, and Iolo Morganwg are placed in their transnational, imperial, and global contexts. Examined alongside Thomas Gray's British bardism, William Jones's Orientalism, and the imperialism of Cook's voyages, their writings demonstrate how Welsh thinkers engaged with – and shaped – shifting ideas of Britishness, empire, race, and identity. Drawing on new archival research, and giving equal attention to Welsh and English language texts, Dr. Kaminski-Jones challenges traditional narratives of Welsh cultural nationalism as a simple precursor to modern Welsh nationhood, instead positioning the revival as central to transatlantic intellectual currents. With its pathbreaking bilingual and interdisciplinary approach, this book offers fresh insights into the complexities of nationhood, empire, and cultural memory. 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/history

In the long eighteenth century, as Britain grappled with the aftermath of the 1707 Acts of Union and consolidated a global empire, Welsh ‘Cambro-Britons' developed a movement of cultural awakening, reinventing their traditions for a new age. Amid profound local, national and imperial transformations, Welsh authors and activists sought to reimagine their history, language and literature, claiming a place for Wales and the Welsh diaspora in the British imperial order. Far from being an insular phenomenon, this revival intersected with key debates of the era, from enlightenment science and radical politics to colonial expansion, transatlantic abolitionism and metropolitan sociability. Welsh Revivalism in Imperial Britain, 1707-1819: True Britons and Celtic Empires (Boydell & Brewer, 2025) by Dr. Rhys Kaminski-Jones reframes Welsh cultural revivalism, revealing its fundamentally international and archipelagic dimensions. Nationally significant Welsh authors like Lewis Morris, David Samwell, Thomas Pennant, and Iolo Morganwg are placed in their transnational, imperial, and global contexts. Examined alongside Thomas Gray's British bardism, William Jones's Orientalism, and the imperialism of Cook's voyages, their writings demonstrate how Welsh thinkers engaged with – and shaped – shifting ideas of Britishness, empire, race, and identity. Drawing on new archival research, and giving equal attention to Welsh and English language texts, Dr. Kaminski-Jones challenges traditional narratives of Welsh cultural nationalism as a simple precursor to modern Welsh nationhood, instead positioning the revival as central to transatlantic intellectual currents. With its pathbreaking bilingual and interdisciplinary approach, this book offers fresh insights into the complexities of nationhood, empire, and cultural memory. 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

Dave Cohen in for Tommy Tucker. * Since it's Labor Day...how is the labor market looking nationally? * Secretary Susan Schowen from the Louisiana Workforce Commission on the labor market in the state

In the long eighteenth century, as Britain grappled with the aftermath of the 1707 Acts of Union and consolidated a global empire, Welsh ‘Cambro-Britons' developed a movement of cultural awakening, reinventing their traditions for a new age. Amid profound local, national and imperial transformations, Welsh authors and activists sought to reimagine their history, language and literature, claiming a place for Wales and the Welsh diaspora in the British imperial order. Far from being an insular phenomenon, this revival intersected with key debates of the era, from enlightenment science and radical politics to colonial expansion, transatlantic abolitionism and metropolitan sociability. Welsh Revivalism in Imperial Britain, 1707-1819: True Britons and Celtic Empires (Boydell & Brewer, 2025) by Dr. Rhys Kaminski-Jones reframes Welsh cultural revivalism, revealing its fundamentally international and archipelagic dimensions. Nationally significant Welsh authors like Lewis Morris, David Samwell, Thomas Pennant, and Iolo Morganwg are placed in their transnational, imperial, and global contexts. Examined alongside Thomas Gray's British bardism, William Jones's Orientalism, and the imperialism of Cook's voyages, their writings demonstrate how Welsh thinkers engaged with – and shaped – shifting ideas of Britishness, empire, race, and identity. Drawing on new archival research, and giving equal attention to Welsh and English language texts, Dr. Kaminski-Jones challenges traditional narratives of Welsh cultural nationalism as a simple precursor to modern Welsh nationhood, instead positioning the revival as central to transatlantic intellectual currents. With its pathbreaking bilingual and interdisciplinary approach, this book offers fresh insights into the complexities of nationhood, empire, and cultural memory. 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/british-studies

Devil Dave's Bloody Mary Pouches INTRO:  Welcome to the award winning, Nationally syndicated My Big Fat Bloody Mary podcast where you will never drink alone. Hope your Sunday is a Fun Day! Special hello to our new listeners! **** With another 75 new listeners from Hong Kong- it is our …

Noam Dworman and Periel Aschenbrand are joined by Gregory Lyakhov, America's the youngest nationally syndicated columnist. He serves as a columnist for Newsmax, The Gateway Pundit, and Townhall Media, regularly contributing to major outlets such as The Wall Street Journal, The New York Post, and The Hill. His work has appeared in dozens of other publications and has been cited by top institutions, including the White House. He shares his views on the war in Israel, anti Semitism and why he wants to be like Ben Shapiro when he grows up.  Visit https://prizepicks.onelink.me/LME0/CE... and use code CELLAR and get $50 in lineups when you play your first $5 lineup!

The past week has felt like history unfolding right in front of me, as courtrooms across the country have become the stage for a truly unprecedented legal drama with Donald Trump at the center. Let's get right into what's been happening, starting with the Northern District of California, where University of California researchers, led by Rahul Thakur, have taken President Trump and the Department of Government Efficiency to federal court. The heart of their lawsuit is over research funding and access, with University of California researchers claiming that new administrative policies under Trump's leadership are restricting crucial funding and threatening academic independence. Just a few days ago, on August 26, Judge Gonzalez Rogers presided over a hearing to decide whether the court should expand the scope of a preliminary injunction for a group of researchers who allege unfair targeting by Trump's administration. The Zoom link for the public portion of this hearing attracted thousands of virtual spectators, eager to see whether the judiciary would put more checks on the administration's reach. Judge Gonzalez Rogers has yet to issue a final decision, but the tension in the courtroom was palpable as government attorneys pushed back against claims of overreach and political motivation.Nationally, the legal landscape surrounding Trump is a tangled web. The Lawfare Litigation Tracker reports close to 300 active cases now challenging Trump administration policies across a wide array of issues. Some of the most high-profile litigation right now continues to focus on Trump's use of executive power, with opponents targeting everything from immigration enforcement to civil liberties. Litigation over the Alien Enemies Act, for instance, is ongoing, with several states and advocacy groups arguing in court that Trump's policies unlawfully target immigrants. Other cases are challenging how Trump's new executive orders interact with state laws, an issue that might well wind up before the Supreme Court in the coming months.Meanwhile, the White House itself is not sitting idle. Just this week, on August 25, President Trump issued a new executive order aimed at ending cashless bail in jurisdictions that, in his view, are failing to keep dangerous offenders locked up. In his executive order, Trump directed the Attorney General to create a list within 30 days, identifying cities and states where cash bail has been substantially eliminated for crimes Trump says pose a “clear threat” to public safety. This order has already prompted several lawsuits from civil rights groups and state attorneys general, who argue that Trump is overstepping federal authority by withholding resources from cities and states that disagree with his policies. Lawyers from both sides are preparing for a flurry of hearings throughout September, and this clash over criminal justice policy is likely to feature in the courtrooms and on campaign trails alike as we head into the fall.What ties this chaotic legal atmosphere together is the sheer pace at which developments are happening. Updates stream in almost daily, with each hearing, ruling, or presidential order setting off a chain reaction of new litigation, media scrutiny, and political debate. No matter how each case gets resolved, these trials are rewriting long-standing assumptions about presidential power and accountability. Thanks for tuning in to my recap of the latest from the Trump court cases. Be sure to come back next week for more. This has been a Quiet Please production, and for more, check out Quiet Please Dot A I.Some great Deals https://amzn.to/49SJ3QsFor more check out http://www.quietplease.ai

Noam Dworman and Periel Aschenbrand are joined by Gregory Lyakhov, America's the youngest nationally syndicated columnist. He serves as a columnist for Newsmax, The Gateway Pundit, and Townhall Media, regularly contributing to major outlets such as The Wall Street Journal, The New York Post, and The Hill. His work has appeared in dozens of other publications and has been cited by top institutions, including the White House. He shares his views on the war in Israel, anti Semitism and why he wants to be like Ben Shapiro when he grows up.  Visit https://prizepicks.onelink.me/LME0/CE... and use code CELLAR and get $50 in lineups when you play your first $5 lineup!

Jason Licht, the General Manager of the Tampa Bay Buccaneers, speaks with TKras regarding the upcoming NFL season and more for the Bucs!

Nick Wilson and Jonathan Peterlin react to Dillon Gabriel taking over the national storylines, and they debate if their offensive identity will match Joe Flacco's style. Then, they give each other quick stories around sports and give their instant reaction to them.

Nick Wilson and Jonathan Peterlin react to Dillon Gabriel taking over the national storylines about the Browns.

Nationally syndicated financial columnist and author Terry Savage joins John Williams to talk about why she believes the Fed will likely be cutting rates in September, what would happen if the Fed does cut rates, how interest rates actually work, and the benefits and pitfalls of AI. And as always, Terry answers all of your financial questions.

"Our mother was so aware of how important it was for us to treat each other well and she just led with such a loving graceful presence.  She was the quintessential mom. She was just warm and loving and forgiving and nurturing. She taught us to love and be loved," reflects Amy."To be loving and kind to one another" Amy explains, "mom gave me the gift of solice and comfort. She was happy being in the shadows. In big gatherings ...Amy says mom gave her the  gifts of curiosity and independence. She considers herself a late bloomer. Betty was happy that Amy was able to move 3000 miles away on her own terms and create and live your own dreams.Nancy shares a wonderful story of a mother's love for her daughter. Nancy was a punk rocker and was heckled by some local teens, but Betty went full on riot act and defended her daughter and her orange hair. Betty stood up for her daughter. She taught Nancy how to stand up for herself and not let anyone take advantage of you.According to my guests, their mother had a very quiet and kind demeanor yet the Harrington kids had a phrase regarding their mother "don't mess with my chickens."  "What you should do, is....," was one of their mom's familiar phrases for Nancy and her siblings . Their mother had studied to be an art teacher, had children and she was a substitute teacher at her daughter's Catholic school. She taught her children all kinds of things without the help of the internet. It didn't exist back then, but she was a wonderful natural teacher.When Nancy and Amy's parents met, Betty and her family represented everything their father did not have. Their dad, one of nine children lost his mom as a baby and his father, my guest's grandfather, couldn't keep a stable household. My guest's parents were able to pass on the significance of a safe and loving family environment. And their mother became the shield that protected her children from any issues that would arise.The Passionistas Equality Summit happens annually focusing on marginalized women from their community. These women wanted someone who had their b ack. Launched the Passionistas Project Sisterhood in March 2024. Women can come and be themselves and lift themselves up. It's not just business networking, it's personal growth and social impact. Women don't need to show up with a business card and be all buttoned up and pretend everything.Amy says this is a story of a woman who put family before everything including herself. Taught her children how to love one another other and be good stewards in the world. The Harrington house was a place where any and all kids who needed a place where they felt safe were welcome. From the time I was little, we had friends who were gay, different ethnic backgrounds, the kids who's parents worked all night and had no dinner. we learned that  our lives were richer because we knew all these people and their lives were richer because they were accepted, explains Amy.  Our mother was a loving and caring human being, possibly the most loving and caring being you could possibly imagine.  Nancy adds "she was someone who loved unconditionally and she gone too soon."Amy and Nancy feel that the common bond that holds their family together, the driving force in all of their lives was based on creativity.  Both mom and dad were very creative. Had she been born in a different era, she would have been Indiana Jones. She also love the simple things in life including ice cream and cooking.Both my guests agree that their mother encouraged all her children "to dream big and go for it." She wanted her children to be themselves. Betty loved her children for who they were.*Women's Equality Day is Monday, August 25th. The Power of Passionistas Summit is taking place August 26 through August 28th, 2025. More information at https://www.thepassionistasproject.com/.FACEBOOK:www.facebook.com/ThePassionistasProjectLINKEDIN:www.linkedin.com/company/the-passionistas-project/INSTAGRAM:www.instagram.com/thepassionistasproject/YOUTUBE:https://www.youtube.com/user/PCPassionistasWEBSITE:Website:https://www.thepassionistasproject.com/ From Amy and Nancy's Youtube Page:The Passionistas Project Pop Culture PassionistasDescriptionWe're sisters, Amy and Nancy Harrington, the Founders of Pop Culture Passionistas and The Passionistas Project. We founded The Passionistas Project in 2018 out of a deep desire to empower women around the world through our podcast, online sisterhood and Power of Passionistas summit, we strive to inspire women to follow their passions and fight for equality for all. In 2024, we launched The Passionistas Project online community, an inclusive sisterhood where passion-driven women join forces to get education, resources and support, find their purpose and feel empowered to transform their lives and change the world. JOIN OUR SISTERHOOD of women supporting women in business development, personal growth and social media today at https://bit.ly/PassionistasSignUp Sign up for our mailing list at https://www.thepassionistasproject.com "Should Have Listened To My Mother" is an ongoing conversation about mothers/female role models and the roles they play in our lives. Jackie's guests are open and honest and answer the question, are you who you are today because of, or in spite of, your mother and so much more. You'll be amazed at what the responses are.Gina Kunadian wrote this 5 Star review on Apple Podcast:SHLTMM TESTIMONIAL GINA KUNADIAN JUNE 18, 2024“A Heartfelt and Insightful Exploration of Maternal Love”Jackie Tantillo's “Should Have Listened To My Mother” Podcast is a treasure and it's clear why it's a 2023 People's Choice Podcast Award Nominee. This show delves into the profound impact mother and maternal role models have on our lives through personal stories and reflections.Each episode offers a chance to learn how different individuals have been shaped by their mothers' actions and words. Jackie skillfully guides these conversations, revealing why guests with similar backgrounds have forged different paths.This podcast is a collection of timeless stories that highlight the powerful role of maternal figures in our society. Whether your mother influenced you positively or you thrived despite challenges, this show resonates deeply.I highly recommend “Should Have Listened To My Mother” Podcast for its insightful, heartfelt and enriching content.Gina Kunadian"Should Have Listened To My Mother" would not be possible without the generosity, sincerity and insight from my guests. In 2018/2019, in getting ready to launch my podcast, so many were willing to give their time and share their personal stories of their relationship with their mother, for better or worse and what they learned from that maternal relationship. Some of my guests include Nationally and Internationally recognized authors, Journalists, Columbia University Professors, Health Practitioners, Scientists, Artists, Attorneys, Baritone Singer, Pulitzer Prize Winning Journalist, Activists, Freighter Sea Captain, Film Production Manager, Professor of Writing Montclair State University, Attorney and family advocate @CUNY Law; NYC First Responder/NYC Firefighter, Child and Adult Special Needs Activist, Property Manager, Chefs, Self Help Advocates, therapists and so many more talented and insightful women and men.Jackie has worked in the broadcasting industry for over four decades. She has interviewed many fascinating people including musicians, celebrities, authors, activists, entrepreneurs, politicians and more.A big thank you goes to Ricky Soto, NYC based Graphic Designer, who created the logo for "Should Have Listened To My Mother".Check out our website for more background information: https://www.jackietantillo.com/Or more demos of what's to come at https://soundcloud.com/jackie-tantilloLink to website and show notes: https://shltmm.simplecast.com/Or Find SHLTMM Website here: https://shltmm.simplecast.com/Listen wherever you find podcasts: https://www.facebook.com/ShouldHaveListenedToMyMotherhttps://www.facebook.com/jackietantilloInstagram:https://www.instagram.com/shouldhavelistenedtomymother/https://www.instagram.com/jackietantillo7/LinkedIn:https://www.linkedin.com/in/jackie-tantillo/YOUTUBE: https://www.youtube.com/@ShouldHaveListenedToMyMother

1 - Nationally acclaimed trial lawyer and litigator George Bocchetto joins us today to discuss the suit he and a local liberal politician are bringing forward against SEPTA, as they argue that SEPTA is sitting on funds they've saved up instead of spending as they ask for a bigger budget? Is not being able to use the transit after Eagles/Phillies games as a negotiating tool or just posturing? 110 - You can be under fire from unelected officials in Delaware County? Dom explains how. 115 - What is a “Potemkin Village”? Your calls. 120 - A teacher goes on a tirade on how she cannot call a trans student by their new name because their parents do not want them being trans at a young age. Was losing her job over this worth it? Is Pittsburgh Children's Hospital correcting course on gender affirming care? Why is Snoop Dogg speaking out? Is Morgan Wallen justified in his boycott? 135 - Your calls. 140 - How much oversight do we want over SEPTA? 150 - That's not a spot, Mamdani. Your calls.

12 - No crime in Washington DC? No SEPTA in Philadelphia? Seems like Republicans are holding steady over the weekend. But what about Baltimore? 1210 - Side - moment from history that would be huge on social media today 1215 - Michael from Wake Up NJ joins us today to discuss the latest problems afflicting the residents of the Garden State. Your calls. 1230 - Republican Candidate for District Attorney Judge Patrick Dugan joins the program today. With The Inquirer highlighting Patrick's comments from the last time Judge Dugan was on the show, is he standing by those quotes? Why did he use the language that he did on our program that day? Why does the city need a change from Larry as the DA? What events are coming up in the near future? Where else but Keenan's? 1240 - What has happened to Baltimore? 1250 - Bill Maher lays out why Trump won the election and why he continues to win in his first year back in office. Teasing the rest of the show. 1 - Nationally acclaimed trial lawyer and litigator George Bocchetto joins us today to discuss the suit he and a local liberal politician are bringing forward against SEPTA, as they argue that SEPTA is sitting on funds they've saved up instead of spending as they ask for a bigger budget? Is not being able to use the transit after Eagles/Phillies games as a negotiating tool or just posturing? 110 - You can be under fire from unelected officials in Delaware County? Dom explains how. 115 - What is a “Potemkin Village”? Your calls. 120 - A teacher goes on a tirade on how she cannot call a trans student by their new name because their parents do not want them being trans at a young age. Was losing her job over this worth it? Is Pittsburgh Children's Hospital correcting course on gender affirming care? Why is Snoop Dogg speaking out? Is Morgan Wallen justified in his boycott? 135 - Your calls. 140 - How much oversight do we want over SEPTA? 150 - That's not a spot, Mamdani. Your calls. 2 - Would Pennsylvania being firmly red break the internet? Scott Presler thinks it's in their cards as he joins us again today. What does Scott Presler have to say about people worried he's registering Democrats to vote? What county's voter enrollment numbers are Scott thrilled to share with us today? What about New Jersey? Should Mikie Sherrill be worried? When will Scott have new data for us? What is his big announcement for next month? Flip your ballots! 215 - Dom's Money Melody! 220 - Why do Republicans get the collar for everything bad in the local government when they're placing your kids in trailers for schools? 230 - State Senator Frank Farry joins the program today. Just how political of a move is SEPTA transit cuts? What plan has Republicans put forward to resolve this and why are Democrats opposed to it? What do Republicans want to see as far as penalties for drug users and criminals riding the rails? Could we get a panel to re-valuate SEPTA's plan and possible options? What can fellow Republicans do to help SEPTA? 250 - The Lightning Round!

An old school roving vegetable truck packed full of garden fresh goodies has grown so popular it is heading to towns all around the North Island, and the couple behind it are hoping to expand further. The Raetihi couple behind it, Emma and Kim Young, expanded the business from an honesty box at the end of the drive way to a mobile vegetable truck. Emma Young from Young's Vegetable truck spoke to Lisa Owen.

I sat down with long time Democrat and long time Ohioan David Pepper to discuss how Democrats' prospects in Ohio have really improved of late. Which should give Democrats around the the country a guide on how to win in 2026. Interesting stuff. Hosted on Acast. See acast.com/privacy for more information.

Minnesota Timberwolves schedule thoughts! Timberwolves playing a ton of national games this season; The timing of Timberwolves games could be problematic for some fans; Bones Hyland is coming back to the Timberwolves; How does the back-end of Timberwolves rotation shake out and more on Flagrant Howls with Mackey, Judd, and Dex.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Minnesota Timberwolves schedule thoughts! Timberwolves playing a ton of national games this season; The timing of Timberwolves games could be problematic for some fans; Bones Hyland is coming back to the Timberwolves; How does the back-end of Timberwolves rotation shake out and more on Flagrant Howls with Mackey, Judd, and Dex.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Financial security is the big question in today’s economy, and we had the honor of speaking to the finance man himself Dave Ramsey. See what finance advice he gives younger people and older people alike.

Aengus Cox, RTÉ Consumer Affairs Correspondent

Nationally syndicated financial columnist and author Terry Savage joins John Williams to answer all of your financial questions.

Nadia Turner was the #8 finalist on the 4th season of American Idol (2005) and Zareh, also know as Za, was only four years old. In the spring of 2022  Zareh, then  21,  auditioned for AI and surprised her mother when she took her to the audition.  Zareh   performed “Bust Out Your Windows” by Jazmine Sullivan, which impressed the judges.It was such a pleasure to have a conversation with both mother and daughter at the same time, to share stories of  Nadia's mom and grandmother as well as  Za's perspective of her mother and grandmother -we're talking about four generations of strong women.Nadia says she's a very different parent today than she was in her 20's and a college student when Za was born. She's very grateful because she always new that her mother was going to be there to help her raised her two daughters.  Zareh  completely understands why her younger sister is being raised differently than she was. Zareh says that her mom was very strict when she was young but now she understands and appreciates why and respects her mother's decisions. It was, at times, overwhelming raising Zareh when Nadia was younger but now she's got a different attitude about raising her younger daughter, she  concentrates on the things that are important, the things that really matter. Rosita, Nadia's mother, originally from the island of St. Eustatius, was a single mom who worked 9-5 at an electric company. "There's never been a time when she didn't show up for me" reflects Nadia. Rosita was very supportive of her daughter, whether it was sports or a school activity, she was always there for her regardless if she truly understood her daughters passions or interests.  "I couldn't have done this thing called motherhood with out my mother, Rose," says Turner.Nadia spent quite a bit of time with her maternal grandmother, Esme, Rosita's mother.  Nadia  remembers her grandmother as "being my Zen, my peace, always very quiet and calm." She continues "she was very religious and always humming her hymns, she never raised her voice and for some reason, that moved mountains for me." When Nadia was a child and she and her mother got into an argument,  Nadia recalls simply sitting quietly next to her grandmother and holding her hand which made everything feel alright.There's so much more to learn about my two guests and the influential women that helped them become who they are today. Always so grateful for the mothers/grandmothers and female family members who preceded us to lay down the groundwork and straightened path to keep us moving forward.When I asked Za if she stands a little taller because of these strong women in her life she responds, "my grandmother and mother are my biggest idols. I look up to them for everything they do. We are a family full of women. My grandmother is present no matter what's going on. I'm so grateful and definitely stand taller."There's so much more to these two magnificent women. Hope you enjoy the conversation.Thank you for sharing your stories Nadia and Zareh.There are links below with more information regarding Zareh and Nadia Turner's latest music and singing  with the band 'Nadia Turner and the Son Kings' and more. Nadia Turner    https://www.nadiaturner.com/https://linktr.ee/nadiaturnerNadia Turner American Idol 2005   https://www.youtube.com/watch?v=_7a7ug6DkfsNadia Turner American Idol     https://www.youtube.com/watch?v=6d4aWIM2j_c Zareh American Idol 2022   https://www.youtube.com/watch?v=vuEgF0rWR28Zareh Instagram-styledbyzaza       https://www.instagram.com/p/BvuQ6CBHo23/?utm_source=ig_embed&ig_rid=c9062567-fbcc-47cd-bce8-bfbdee8c4142 FACEBOOK: Jackie Tantillo, SHLTMM, Nadia Turner, Zareh IsaINSTAGRAM: #jackietantillo7 #shouldhavelistenedtomymother #nadiaturnerandthesonkings #nadiacturner, #styledbyzaza #SHLTMM LINKEDIN: Jackie Tantillo, Nadia Turner 3rdTWITTER: SHLTMM, @nadiacturnerTHREADS: SHLTMM, styledbyzaza,BKSY: SHLTMM,TIKTOK: SHLTMM, dymuzic, styledbyzaza,YOUTUBE: SHLTMM, NADIA TURNER, Zareh Isa  "Should Have Listened To My Mother" is an ongoing conversation about mothers/female role models and the roles they play in our lives. Jackie's guests are open and honest and answer the question, are you who you are today because of, or in spite of, your mother and so much more. You'll be amazed at what the responses are.Gina Kunadian wrote this 5 Star review on Apple Podcast:SHLTMM TESTIMONIAL GINA KUNADIAN JUNE 18, 2024“A Heartfelt and Insightful Exploration of Maternal Love”Jackie Tantillo's “Should Have Listened To My Mother” Podcast is a treasure and it's clear why it's a 2023 People's Choice Podcast Award Nominee. This show delves into the profound impact mother and maternal role models have on our lives through personal stories and reflections.Each episode offers a chance to learn how different individuals have been shaped by their mothers' actions and words. Jackie skillfully guides these conversations, revealing why guests with similar backgrounds have forged different paths.This podcast is a collection of timeless stories that highlight the powerful role of maternal figures in our society. Whether your mother influenced you positively or you thrived despite challenges, this show resonates deeply.I highly recommend “Should Have Listened To My Mother” Podcast for its insightful, heartfelt and enriching content.Gina Kunadian"Should Have Listened To My Mother" would not be possible without the generosity, sincerity and insight from my guests. In 2018/2019, in getting ready to launch my podcast, so many were willing to give their time and share their personal stories of their relationship with their mother, for better or worse and what they learned from that maternal relationship. Some of my guests include Nationally and Internationally recognized authors, Journalists, Columbia University Professors, Health Practitioners, Scientists, Artists, Attorneys, Baritone Singer, Pulitzer Prize Winning Journalist, Activists, Freighter Sea Captain, Film Production Manager, Professor of Writing Montclair State University, Attorney and family advocate @CUNY Law; NYC First Responder/NYC Firefighter, Child and Adult Special Needs Activist, Property Manager, Chefs, Self Help Advocates, therapists and so many more talented and insightful women and men.Jackie has worked in the broadcasting industry for over four decades. She has interviewed many fascinating people including musicians, celebrities, authors, activists, entrepreneurs, politicians and more.A big thank you goes to Ricky Soto, NYC based Graphic Designer, who created the logo for "Should Have Listened To My Mother".Check out our website for more background information: https://www.jackietantillo.com/Or more demos of what's to come at https://soundcloud.com/jackie-tantilloLink to website and show notes: https://shltmm.simplecast.com/Or Find SHLTMM Website here: https://shltmm.simplecast.com/Listen wherever you find podcasts: https://www.facebook.com/ShouldHaveListenedToMyMotherhttps://www.facebook.com/jackietantilloInstagram:https://www.instagram.com/shouldhavelistenedtomymother/https://www.instagram.com/jackietantillo7/LinkedIn:https://www.linkedin.com/in/jackie-tantillo/YOUTUBE: https://www.youtube.com/@ShouldHaveListenedToMyMother

Nationally syndicated financial columnist and author Terry Savage joins Lisa Dent to talk about the markets, the future of the fed chair position, and more. And, as always, she answers questions from listeners.

Nationally acclaimed author and founder of the Every Monday Matters movement, Matthew Emerzian, sits down with Steve Riley to have a conversation about purpose, connection, and building a life that truly matters. Matthew's story did not begin with a breakdown. From the outside, it looked like he had it all. He lived in Beverly Hills, working in the music industry with world-famous bands like U2 and Coldplay. He traveled, enjoyed success, and was part of an exciting, fast-paced world. Then, one night after a blind date arranged by his parents' best friends, he realized something that would change the course of his life. Despite the outward success, he had no real purpose or direction. That realization sent him searching for meaning. He began therapy, which he jokingly calls his “expensive friend,” and started exploring the idea of human-centered design. He wanted to understand how to design a life that put people first, starting with himself, extending to others, and reaching into his work and the world around him. This search led him to create Every Monday Matters, a movement that inspires people to live intentionally and remember that they matter. Over time, it grew into a global message: I matter, you matter, we matter. In this episode, Matthew and Steve explore how that philosophy can transform a law practice. They discuss how “Every Monday Matters” can guide client relationships, strengthen workplace culture, and influence leadership. They talk about why empathy, self-awareness, and kindness are not just good values, but essential tools for success. Matthew shares ways to integrate these values into daily habits so they create real change. He explains how living with intention can improve both personal fulfillment and professional impact. His message is clear: when you believe you matter, it changes how you show up for everyone around you. Matthew walked away from the high life to build a more meaningful one. Today, through Every Monday Matters, he helps people discover purpose in their own lives, one intentional choice at a time. Catch Matthew Emerzian live at this year's Summit! Matthew will take the Summit stage as a keynote speaker with Human-Centered Leadership: How to Prioritize Mental Health, Increase Well-Being, and Mitigate Burnout Across High-Performing Teams. Drawing from his personal journey and his Every Monday Matters movement, Matthew will share The Mattering Mindset — a proven playbook for reducing burnout, building connection, and inspiring purpose-driven growth. You'll leave with practical tools to create a thriving, people-centered organization where every person knows they matter. Join us for $300 off by using code KEYNOTE300 when registering! In this episode, you will hear: Matthew Emerzian's inspiring story of founding the Every Monday Matters movement  How the “You Matter” philosophy can influence professional practices, especially in law, and personal fulfillment  Insights into the pressures of unmet life milestones and the role of mentorship for overcoming personal crises  The power of mindsets like “I matter, you matter, we matter” in altering workplace dynamics and fostering positive cultures  Human-centered leadership and empathy in creating supportive work environments  How values like kindness and self-awareness can drive personal and organizational growth  Practical resources, such as the “You Matter” book and a downloadable worksheet, to apply these concepts in everyday life and work  A surprise from Matthew for Summit attendees who bring him their completed worksheet (linked in the Supporting Resources) Subscribe & Review Never miss an episode. Subscribe on Apple Podcasts, Spotify, or YouTube. ⭐Like what you hear? A quick review helps more people find the show.⭐ Supporting Resources: Matthew Emerzian: www.matthewemerzian.com Every Monday Matters: www.everymondaymatters.com Matthew on LinkedIn: www.linkedin.com/in/matthew-emerzian Matthew's email: matthew@everymondaymatters.com Worksheet: Your Integrated Mattering Plan: atticusadvantage.com/wp-content/uploads/2025/08/IntegratedMatteringPlan-MatthewEmerzian.pdf You Matter: Learning to Love Who You Really Are by Matthew Emerzian: www.amazon.com/You-Matter-Learning-Love-Really/dp/B082T33YF5 The Summit: atticussummit.com (Use discount code: KEYNOTE300 for $300 off!) Subscribe to the Atticus Newsletter If there's a topic you would like us to cover on an upcoming episode, please email us at steve.riley@atticusadvantage.com. Episode Credits If you like this podcast and are thinking of creating your own, consider talking to my producer, Emerald City Productions. They helped me grow and produce the podcast you are listening to right now. Find out more at https://emeraldcitypro.com Let them know we sent you.

INTRO:  Welcome to the award winning, Nationally syndicated My Big Fat Bloody Mary podcast where you will never drink alone. Hope your Sunday is a Fun Day! Special hello to our new listeners! 1 New Listener- Zimbabwe -Shona spoken in Harara “Mauya!” ****I am coming to you from the studios …

The Rod and Greg Show Daily Rundown – Friday, August 15, 20254:38 pm: Nationally syndicated radio host Glenn Beck joins Rod and Greg from our Salt Lake City studios today for a conversation about a plethora of current political news.6:05 pm: Isaac Schorr, an Editor at Mediaite and a contributor to The Spectator, joins the program to discuss his recent piece about his brush with death in the streets of Washington, D.C.6:20 pm: Taylor Hathorn, Visiting Fellow at the Independent Women's Center for American Safety and Security, joins the program to discuss how crime has shattered Washington, D.C.6:38 pm: We'll listen back to this week's conversations with Utah State Superintendent of Public Instruction Molly Hart about a new initiative to battle chronic absenteeism, and (at 6:50 pm) with Joseph Grenny, Chair of the Other Side Academy, about how to fix chronic homelessness in Utah. 

Nationally syndicated financial columnist and author Terry Savage joins Jon Hansen, filling in for Lisa Dent, to discuss the latest report on inflation. The market, Savage explains, reacted well the the CPI, believing that tariffs are not responsible for the increase in inflation. She then, as always, answers questions from listeners.

Nationally syndicated financial columnist and author Terry Savage joins John Williams to talk about the market hitting all-time highs and what to know if you are planning for retirement. Terry also answers all of your financial questions.

In this episode of The Clay Edwards Show, host Clay Edwards kicks things off with a lively discussion on whether couples need to share a bed for a happy marriage. Drawing from personal anecdotes and listener feedback, Clay explores the importance of quality sleep versus physical closeness, sharing stories of long-married couples who thrive in separate beds due to snoring, heat, or restlessness. He emphasizes prioritizing rest to be a better partner during waking hours. Shifting gears, Clay tackles the alarming spike in assaults by Black individuals on white people across the U.S., including Mississippi. He breaks down a chaotic incident in Copiah County where volunteer firefighters were attacked by a crowd of up to 100 during a drag racing crash response, leaving several hospitalized. Clay condemns the lack of arrests and questions the mob's logic in delaying aid out of frustration over response times. Nationally, he covers the brutal beating of "Big Balls," a former DOGE staffer, who intervened in a carjacking in Washington, D.C., only to be assaulted by a group of teens. Clay highlights media bias, noting reversed roles would spark outrage, and praises Donald Trump's call to federalize D.C. for crime control, including prosecuting minors as adults. He ties in a Cincinnati attack on an elderly white man and woman, criticizing officials for downplaying potential hate crime motives and blaming alcohol. In a satirical segment, Clay "bans" anyone who's ever used the N-word from the show to underscore hypocrisy in outrage over language versus violence, urging equal accountability across communities. Finally, Clay addresses Mississippi's STD epidemic, ranking high nationally for syphilis, gonorrhea, and chlamydia—especially in Hinds County, the U.S.'s worst. He attributes it to cultural issues like lack of discipline rather than education gaps, calling for self-reflection and safer practices. Packed with raw opinions, listener texts, and calls for accountability, this episode challenges norms on relationships, crime, and health. Don't miss the heated takes! (1872 characters)

Classroom Coverup: Shocking Secrets - How Schools Hide Predator Teachers! Dive into the dark underbelly of America's education system in this eye-opening premiere episode! We expose the chilling practice known as "passing the trash," where school districts let teachers accused of predatory behavior resign quietly without reporting to authorities or flagging their records. Instead of protecting kids, admins prioritize avoiding lawsuits, bad press, and union battles by providing neutral or even glowing references, allowing these educators to hop to new schools and continue harming students. You'll learn how this has been happening for decades, with roots in the 1990s when Education Week first called it out as a growing issue that politicians and the public were starting to notice but not fully addressing. And why is it still rampant in 2025 despite federal laws like the Every Student Succeeds Act (ESSA) mandating prevention of aiding sexual misconduct?  We break down the mechanics step by step: A complaint comes in—maybe creepy comments, excessive physical contact, or favoritism toward certain girls—the district launches an internal investigation that's often superficial and biased toward protecting the institution, finds "no outright abuse" to avoid escalation, and cuts a deal for resignation with a clean slate, sometimes including severance pay to sweeten the exit. Background checks at the next school fail because there's no paper trail, no shared database, and the cycle repeats with devastating consequences. Shocking statistics reveal the massive scale of the problem: About 10% of K-12 students in the U.S. experience some form of sexual misconduct by a school employee by graduation, according to a landmark 2004 study by researcher Charol Shakeshaft, with a more recent Harvard Graduate School of Education report estimating up to 17% of students report being targeted in surveys.  In Texas alone, since 2017, there have been over 2,500 educator sex crime charges, yet around 4,300 administrative separations—meaning quiet exits without charges—that highlight the gap where suspicions go unreported. Nationally, reports of educator sexual violence have spiked in recent years, with thousands of cases documented annually, but experts say that's just the tip of the iceberg because so much is swept under the rug. We explore why it persists—fear of defamation suits if allegations aren't ironclad, administrative laziness where investigating takes too much time and resources, and misaligned incentives to sweep scandals under the rug to protect enrollment numbers or funding streams. Federal law under ESSA requires states to have policies preventing schools from aiding sexual misconduct, including "passing the trash," but a 2022 U.S. Department of Education report found these policies are uneven—only 29 states have solid bans, while others have loopholes or no enforcement at all, leaving places like Ohio often called out as holdouts where weak laws let this continue generation after generation. Recent examples tease what's ahead in the series, like a teacher bouncing between states before committing a double murder on a hiking trail. The human cost is heartbreaking and impossible to ignore: Kids suffer lifelong trauma—depression, trust issues, higher risks of substance abuse or suicide—while families fight for justice in a system that failed them from the start. On X, parents and advocates are furious, with recent posts linking "passing the trash" to cases like that Arkansas teacher, calling it "terrifying" and demanding schools do better because "lives are literally at stake." This episode arms you with the facts to spot the signs, understand the system, and demand change right now. Don't miss it—subscribe now to uncover the truth and join the movement to protect our kids from these hidden dangers!  Hashtags: #ClassroomCoverup #PassingTheTrash #SchoolPredators #HiddenDangers #ProtectOurKids #EducatorAbuse #SchoolScandals #MandatoryReporting #StopTheShuffle #TrueCrimeEducation Want to comment and watch this podcast as a video? Check out our YouTube Channel. https://www.youtube.com/@hiddenkillerspod Instagram https://www.instagram.com/hiddenkillerspod/ Facebook https://www.facebook.com/hiddenkillerspod/ Tik-Tok https://www.tiktok.com/@hiddenkillerspod X Twitter https://x.com/tonybpod Listen Ad-Free On Apple Podcasts Here: https://podcasts.apple.com/us/podcast/true-crime-today-premium-plus-ad-free-advance-episode/id1705422872

Nationally recognized psychiatrist, internist, and addiction medicine specialist Muhamad Aly Rifai discusses his article, "How President Biden's cognitive health shapes political and legal trust." While carefully observing the ethical constraints of the Goldwater Rule, he analyzes the public discourse surrounding the cognitive health of former President Joseph Robinette Biden Jr. from a medico-legal standpoint. Muhamad explains how the former president's known medical history, including surgeries for cerebral aneurysms, creates a clinical basis for concern about potential cognitive decline consistent with vascular dementia. He argues that public moments of cognitive lapse, combined with practices like the use of an autopen for official signatures, raise legitimate questions about a leader's decision-making capacity and the validity of their actions. The core of his argument is an unequivocal call to establish clear, impartial, and publicly accountable protocols for cognitive health assessments for all national leaders, asserting that this is essential to uphold public trust and the integrity of the office. Careers by KevinMD is your gateway to health care success. We connect you with real-time, exclusive resources like job boards, news updates, and salary insights, all tailored for health care professionals. With expertise in uniting top talent and leading employers across the nation's largest health care hiring network, we're your partner in shaping health care's future. Fulfill your health care journey at KevinMD.com/careers. VISIT SPONSOR → https://kevinmd.com/careers Discovering disability insurance? Pattern understands your concerns. Over 20,000 doctors trust us for straightforward, affordable coverage. We handle everything from quotes to paperwork. Say goodbye to insurance stress – visit Pattern today at KevinMD.com/pattern. VISIT SPONSOR → https://kevinmd.com/pattern SUBSCRIBE TO THE PODCAST → https://www.kevinmd.com/podcast RECOMMENDED BY KEVINMD → https://www.kevinmd.com/recommended

Classroom Coverup: Shocking Secrets - How Schools Hide Predator Teachers! Dive into the dark underbelly of America's education system in this eye-opening premiere episode! We expose the chilling practice known as "passing the trash," where school districts let teachers accused of predatory behavior resign quietly without reporting to authorities or flagging their records. Instead of protecting kids, admins prioritize avoiding lawsuits, bad press, and union battles by providing neutral or even glowing references, allowing these educators to hop to new schools and continue harming students. You'll learn how this has been happening for decades, with roots in the 1990s when Education Week first called it out as a growing issue that politicians and the public were starting to notice but not fully addressing. And why is it still rampant in 2025 despite federal laws like the Every Student Succeeds Act (ESSA) mandating prevention of aiding sexual misconduct?  We break down the mechanics step by step: A complaint comes in—maybe creepy comments, excessive physical contact, or favoritism toward certain girls—the district launches an internal investigation that's often superficial and biased toward protecting the institution, finds "no outright abuse" to avoid escalation, and cuts a deal for resignation with a clean slate, sometimes including severance pay to sweeten the exit. Background checks at the next school fail because there's no paper trail, no shared database, and the cycle repeats with devastating consequences. Shocking statistics reveal the massive scale of the problem: About 10% of K-12 students in the U.S. experience some form of sexual misconduct by a school employee by graduation, according to a landmark 2004 study by researcher Charol Shakeshaft, with a more recent Harvard Graduate School of Education report estimating up to 17% of students report being targeted in surveys.  In Texas alone, since 2017, there have been over 2,500 educator sex crime charges, yet around 4,300 administrative separations—meaning quiet exits without charges—that highlight the gap where suspicions go unreported. Nationally, reports of educator sexual violence have spiked in recent years, with thousands of cases documented annually, but experts say that's just the tip of the iceberg because so much is swept under the rug. We explore why it persists—fear of defamation suits if allegations aren't ironclad, administrative laziness where investigating takes too much time and resources, and misaligned incentives to sweep scandals under the rug to protect enrollment numbers or funding streams. Federal law under ESSA requires states to have policies preventing schools from aiding sexual misconduct, including "passing the trash," but a 2022 U.S. Department of Education report found these policies are uneven—only 29 states have solid bans, while others have loopholes or no enforcement at all, leaving places like Ohio often called out as holdouts where weak laws let this continue generation after generation. Recent examples tease what's ahead in the series, like a teacher bouncing between states before committing a double murder on a hiking trail. The human cost is heartbreaking and impossible to ignore: Kids suffer lifelong trauma—depression, trust issues, higher risks of substance abuse or suicide—while families fight for justice in a system that failed them from the start. On X, parents and advocates are furious, with recent posts linking "passing the trash" to cases like that Arkansas teacher, calling it "terrifying" and demanding schools do better because "lives are literally at stake." This episode arms you with the facts to spot the signs, understand the system, and demand change right now. Don't miss it—subscribe now to uncover the truth and join the movement to protect our kids from these hidden dangers!  Hashtags: #ClassroomCoverup #PassingTheTrash #SchoolPredators #HiddenDangers #ProtectOurKids #EducatorAbuse #SchoolScandals #MandatoryReporting #StopTheShuffle #TrueCrimeEducation Want to comment and watch this podcast as a video? Check out our YouTube Channel. https://www.youtube.com/@hiddenkillerspod Instagram https://www.instagram.com/hiddenkillerspod/ Facebook https://www.facebook.com/hiddenkillerspod/ Tik-Tok https://www.tiktok.com/@hiddenkillerspod X Twitter https://x.com/tonybpod Listen Ad-Free On Apple Podcasts Here: https://podcasts.apple.com/us/podcast/true-crime-today-premium-plus-ad-free-advance-episode/id1705422872

A recording of a June 2024 on-air conversation with Bill Lundun and Gerry Snyder of the Wake Up Call on Eugene's KPNW Radio AM 1120. Topic: 'Bobbie the Wonder Dog's' 2,500-mile odyssey. Lost in Illinois, the affable collie crossed the Rocky Mountains on foot in the dead of winter, making friends along the way and causing a sensation upon his arrival home again. (For the full story, see https://offbeatoregon.com/2406a-1101a.silverton-bobbie-the-wonder-dog-104.652.html)

INTRO:  Welcome to the award winning, Nationally syndicated My Big Fat Bloody Mary podcast where you will never drink alone. Hope your Sunday is a Fun Day! Special hello to our new listeners! 53 new listeners in the State of Texas! ****We are coming to you from the studios of …

Keith discusses the impact of inflation and interest rates on real estate investing, emphasizing passive income strategies.  He highlights the Florida housing market, noting a 26% increase in listings post-pandemic.  Investor and Florida homebuilder, Jim, joins this episode to explain the overbuilding in the emotional market versus the underbuilt workforce housing.  His company focuses on new construction in areas like Ocala, offering 40-year loans with 5.25% fixed rates, and boasting an average tenancy duration of over three years. They also provide two years of free property management and a 10-year builder warranty. Resources: Schedule a free strategy session with a GRE Investment Coach to evaluate the opportunity at GREinvestmentcoach.com Show Notes: GetRichEducation.com/564 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.  You get paid first: Text FAMILY to 66866 Will you please leave a review for the show? I'd be grateful. Search “how to leave an Apple Podcasts review”  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— text ‘GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Automatically Transcribed With Otter.ai    Keith Weinhold  0:01   welcome to GRE. I'm your host. Keith Weinhold, what control do you have over inflation and interest rates? Then, with the Florida housing oversupply and resultant attrition and price levels, wouldn't it be interesting to talk to a prominent Florida homebuilder? That's just what we do today on get rich education.   Speaker 1  0:27   Since 2014 the powerful get rich education podcast has created more passive income for people than nearly any other show in the world. This show teaches you how to earn strong returns from passive real estate investing in the best markets without losing your time being a flipper or landlord. Show Host Keith Weinhold writes for both Forbes and Rich Dad advisors and delivers a new show every week since 2014 there's been millions of listener downloads in 188 world nations. He has a list show guests and key 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   Speaker 2  1:12   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  1:28   Welcome to GRE from coral, Illinois to Cape Coral, Florida and across 180 nations worldwide. I'm Keith weinholden. You are inside for another wealth building week. This is get rich education, the voice of real estate investing since 2014 with inflation on the upswing and is currently approaching 3% again, the formula is small. Down payment. Bank buys you the house. Tenants pay down the loan. Property Manager handles nearly everything. You collect cash every month. Inflation builds you massive wealth, and that's real estate, all right. And no one really knows what's going to happen with inflation and interest rates, those two positively correlated indicators, but at times we have an illustrious guest that will make a prediction. And GRE episode 224, from January of 2019 has been getting some attention lately. That's back when interest rates of all types were really low, and when I interviewed legendary investor Jim Rogers in Singapore, listen in to what he told you, and I on that episode, then   Speaker 3  2:49   you ask me, we're now headed up again, and interest rates are going to go go much, much, much higher over the next few decades, and it's going to ruin a lot of people. I hope none of your listeners get ruined. I hope I don't get ruined, but rising interest rates are here for a long time. Keith, be worried. Be careful.   Keith Weinhold  3:08   Yeah, some real Jim Rogers prescience there in Episode 224 he has seen some cycles. Now as investors, we've got regional phenomena and national phenomenon mortgage rates. They're a national one, because more or less, whenever you finance property anywhere in the nation, your rate is going to be the same nationwide. Perhaps you feel then like you don't have any control over your mortgage rate. Well, I've got two points to that. First, understand that today, mortgage spreads are almost back to normal. Now, what does that mean? Mortgage spreads from listening to the show, you probably know that the mortgage rate you pay is dictated more on the level of bond yields than it is the Fed funds rate that your own Powell controls. Well, 30 year mortgage rates are historically almost 2% above the bond yield, meaning they're 2% above the yield on the 10 year T note, okay, that's the bond yield. The spread was recently above 3% now it is down to about two and a half. To be clear, mortgage rates are now just about two and a half percent above bond yields in this narrowing, that means there's more investor confidence in the mortgage market, and that suggests that lenders are willing to offer loans at competitive rates without succumbing to volatility. So lenders are less concerned about the risk of you quickly refinancing out of the loan that they just worked to make for you, the translation is that this opens the door to make it easier for mortgage rates to fall to 6% and they've been nearly seven for a while. Though I don't predict rates. I'm speaking about probabilities here. Now some people want to lock up property before rates fall, because when rates fall, many think home prices will surge because more people can afford property than higher demand. And I think we all know that the conventional wisdom is to lock in your price now and then if rates fall, you refinance. Conversely, if rates go higher, well then you'll be glad you bought today when rates were lower. But today we're talking about how you can really control the mortgage rate you pay when you work with a builder that won't only see that your mortgage rate gets bought down, they'll ensure that they are the ones paying for the pie down, not you. That's key, as we talked to a home builder in Florida today, a state that makes headlines for being overbuilt, it's a case study in how a market gets to an overbuilt condition, or does it really get overbuilt? It depends on this segment of the real estate market that you're focused on as an investor, as you'll see today, let's meet this week's guest.    Keith Weinhold  6:05   I'd like to welcome Jim onto the show today. He's one of the founding partners of a prominent Florida home builder. They built over 9000 residences, and they have 120 plus full time employees, and it's been such an interesting time in Florida home building and the real estate market, so that's why we're chatting today. Hey Jim, welcome onto the show. Keith, great to be back. Thanks for having me. Let's talk about the problem statewide. Florida has about 26% more listings, more available housing inventory, as compared to pre pandemic levels. That's created some problems, some price attrition. Talk about, why did Florida get over built? Or are they not truly overbuilt when we segment that by product type.   Jim Sheils  7:02   Well, like you said, Keith, product type is really important to decipher here, because it does help dissect the problem a little more clearly. There's a lot of different markets happening, but two of the main things that I've seen that have caused the softening of certain segments of the market is one insurance if you are buying a 1957 home in southwest Florida, a few blocks from the beach, it is possible that your insurance has gone up four to five times. Yeah, the annual thing. So that is going to really start to shake people who own those properties. They're going to feel a little triggered to sell, and it's going to be more difficult to sell, because if you have an agent go and show that property and they ask for a good faith estimate from a lender, and they say, Well, what's your current insurance? That can really scare people. So that type of property normally properties older before 2004 when the rules changed, with higher insurance, that can change it. The second thing is, the emotional market always seems to take a hit, Keith, and I've heard you talk about this before. Now, the emotional market that I talk about is we have our median value in any of the real estate markets, right? And you go about 25% above the median, maybe 30% above the median values. That's what I call the emotional market. These are the really nice houses that are fun to visit. You know, nice to stay in, nice to live in, but they are emotional. This is an emotional market. The cash flow numbers have never worked. They're not on the ultra high end that those people normally own cash and they don't really care the fluctuation. It's that level above the median where I see the emotional market really take the hit, because when the emotion comes out, while the people it's harder to sell to find the buyers, especially with the rates jumping the way that they have over the last two years, there's not the ability to sit back and say, Well, you know what, Keith, I'm just going to hold this and rent it, because their negative position, their negative cash flow every month, begins to sink them quickly, and so that's where you see that pressure downward on that emotional market. If that makes any sense.   Keith Weinhold  9:06   did Florida really get ahead of itself with the increase in pandemic migration? Was there more building because they projected that high migration rate to continue, and it just didn't. Is that why areas of Florida are overbuilt.   Jim Sheils  9:22   What I believe happened was the migration was there, Keith, but again, you have to look at the sectors of the market. Now, when you're looking at a large national home builder, their goal is to sell the property with the greatest profit spread. It's just that simple, and those are the properties when times are good and times are hot, this emotional market, you know, 20, 30% above the median value for an area that's a very easy time to promote and to sell those types of properties and make the best spread for them. And so, yes, in that area, they got ahead of themselves, because it was easy to market to, easy to promote to. And again. In. Some people untrained investors, or people just emotional and saying, Well, I'm gonna have a second home in Florida, and I'll get there more often than I think I will. That causes that issue now, but going to the lower segment, like the workforce housing, like you and I have talked about, well, that has been underprepared for the migration and affordability. That is my word of the year, affordability, the affordable housing, the workforce housing. When you look at the stats, I think it was last year we found the stat that for every 25 workforce housing, new construction workforce housing, there's 100 renters. And so the workforce housing has been underdeveloped, and why? You know, we're a niche builder. It's very rare for a builder like us to focus on workforce housing. That's not the focus of many of the larger builders. They're on that more emotional market. So that's where we focus. But with builders like us focusing on that, no one else that part of the market, Keith has been under supplied, actually in the last few years, because the net migration didn't need those emotional houses. They needed the workforce housing.   Keith Weinhold  11:05   This is a great distinction. We can look at a stat like there's 26% more available housing inventory in Florida statewide than there was pre pandemic, but you've got to parse that by product type, workforce housing, which you specialize in, including build to rent, housing has not been oversupplied, not nearly to that same extent. It could even be undersupplied, depending on where you're at. These are the properties that make the best long term income properties. I hope you the listener caught it there. Jim gave an important date. 2004 is a key year when there were changes to building codes, which results in what your insurance premiums are going to be. Tell us more about that.    Jim Sheils  11:50   Yeah, 2004 right through Punta Gorda, Florida, where we build now. There was Hurricane Charlie came through. My dad's cousin, I have actually lived there at the time. I mean, that place got decimated. Keith, it got absolutely decimated, and the government called timeout. They said, timeout. Okay, we got to stop this. New rules. Moving forward, we're going to change the structural design requirements. We're going to change the elevation requirements. This is the big one. So you know, back in the day, you and I, if we were back in 1962 in Fort Myers, Florida, we could build a house at two feet or three feet above sea level. Those days are gone. If you're going to build a property like going back to Punta Gordon, now today, you have to build it 13 to 14 feet above sea level. So that means builders like us got to bring in a lot of dirt, and we grumble and complain about it until a storm goes through and we have no flooding on any of our properties. But that was a requirement, then stronger fasteners and structural design, because they just didn't want that risk or this type of damage. And it's been interesting, because they've been two hurricanes, you know, since 2004 that have really gone right over the eye. The main power of the storm has gone through. Punta Gorda. I've actually showed this on some videos that we've done on YouTube, like the flyover the next day, and you would think, Oh, well, maybe there was like a strong wind that went through, because there's palm fronds down and some fencing, but the houses are intact, and it's because things had to be rebuilt to today's standards. So I always tell people, hey, you know, we'd love to help you get a house, but if you're just going down there to find a house, I would highly recommend you look at the elevation and look if your house was built before the year 2004 or after, because that is really when things started to change. Not that a house earlier might not have what you're looking for, but elevation is such a key component when you're near coastal areas in Florida, the elevation of your home.   Keith Weinhold  13:41   Is it that simple? Pre 2004 you're likely to pay substantially higher insurance premiums on your Florida property than you are if the build year was 2004 or later.   Jim Sheils  13:52   It's a main component, Keith, another component will be to that is, you know, how close are you to the beach? If you're within, you know, a half a mile of the beach that can have an on lower ground of an older property, those combinations for risk analysis for an insurance company will come up not in your favor, and so you have to put that into account too. Again, the further you move inland, especially the further you move north, and the further you move inland in Florida, the insurance premiums go down because the risk assessment of the last 100 Years of hurricanes has been so much dramatically lower of actually causing issue.   Keith Weinhold  14:29   We'll talk about the Florida areas that you build in later. But first, let's just pull back. Talk about statewide. How bad is it? How bad is it with the overbuilt condition in some segments of the residential market, and how that's led to price attrition, a lack of rent growth or rental occupancy rates that are hurt potentially. Can you speak to that? How bad is it now,   Jim Sheils  14:54   again, going to the segment of the emotional market, so we're talking 20 to 30% above the median. In price in an area that's going to be bad, that's where you're going to have to have downward pressure. You're going to have to your property may have appreciated Well, if you did in 2020, but you're not selling a peak pricing. You're going to have to come off your numbers a good amount, because there's not as many buyers. And also, you got to remember, coupled with that pricing coming down, it's also the interest rates we got pretty spoiled. You know, three and a half percent interest rates, two and a half percent interest rates for some homeowners, that's just not the norm now. So when you're going off those numbers, the affordability, the ability to make that payment, has really been affected. So that emotional market, I think we're going to see a continued softening in that and again, in that emotional market too. To what I saw was, and I own some short term rentals, and I like short term rentals, but what we saw there was a rush, like, almost like a California gold rush, here in Florida, to people coming in and buying what they consider a short term rental, which was not really desirable for short term rent. It could get a few people here and there, but they would buy it, this emotional market, and then the numbers wouldn't work out. Now that, as well, is starting to put pressure on people saying, Oh, I'm losing so much money every month. Let's just sell and again, that emotional market, that area, 20, 25% 30% above median value. That's where we're seeing that. So you're going to see some pressure downward of that, I'd say at least another 10% because there's already been a dip in some areas 15 to 20% so there has been a correction in those and I think we'll continue to see that until some of this stabilizes.    Keith Weinhold  16:32   Talk to us about how the rental segment's doing, statewide   Jim Sheils  16:36   rental, we saw a stagnation for about a year and a half to two years, and just in the last six months, we've seen an increase in some of our main markets here. Again, when I say they main markets here, I'm always speaking, because that's what we stick to, the workforce housing. So we've seen workforce housing some of our main central Florida markets and some of our Northeast markets go up another 50 to $100 which was great, because it was stagnant for about two years. About two years. And then you'll see a continued dip of probably, you know, 10 to 15% on some of that emotional market rentals, because now there's a rush to try to rent them, and again, there's not as much of a demand for that segment of the market.    Keith Weinhold  17:17   We're talking with a prominent Florida home builder about Florida's temporarily overbuilt residential housing type. We've already learned that 2004 is a key year for what your insurance rates are likely going to be. We've also learned about how you need to segment these residential housing markets between workforce housing and the emotional side of the market. You're listening to get rich education more when we come back on Florida real estate, I'm your host, Keith Weinhold.   Keith Weinhold  17:46   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 pre qual and even chat with President Chaley Ridge personally while it's on your mind, start at Ridge lendinggroup.com that's Ridge lendinggroup.com.    Keith Weinhold  18:18   You know what's crazy, your bank is getting rich off of you, the average savings account pays less than 1% it's like laughable. Meanwhile, if your money isn't making at least 4% you're losing to inflation. That's why I started putting my own money into the FFI liquidity fund. It's super simple. Your cash can pull in up to 8% returns, and it compounds. It's not some high risk gamble like digital or AI stock trading. It's pretty low risk because they've got a 10 plus year track record of paying investors on time in full every time. I mean, I wouldn't be talking about it if I wasn't invested myself. You can invest as little is 25k and you keep earning until you decide you want your money back. No weird lockups or anything like that. So if you're like me and tired of your liquid funds just sitting there doing nothing, check it out. Text family tp 66866, to learn about freedom. Family investments, liquidity fund, again. Text family to 66866,   Kristen Tate  19:29   this is author Kristen Tate. Listen to get rich education with Keith Weinhold, and don't quit your Daydream. You   Keith Weinhold  19:46   welcome back to get rich education. Jim is with us, a prominent Florida home builder, and it's so interesting to talk to a home builder today because you think a Florida is overbuilding Ground Zero, even though, paradoxically. Nationally, we're still in a somewhat under built condition, where there's somewhat of a lack of available housing supply. Now, back on our April 28 show, exactly three months ago today, which I know that you listened to Jim, that show was titled, is Florida real estate doomed? And the short answer is no and I gave a number of reasons for that. You don't want to catch a falling knife as an investor. One prominent reason that Florida real estate is not doomed, and you're not catching a falling knife, and this is so close to being 100% predictable, is the fact that the growth is going to be there. It always has been in Florida, the in migration has been remarkable. If you go back and look at every census over about the last 200 years, since 1830 Florida has grown substantially every single census, oftentimes and usually at a rate greater than the national average. So in migration is almost certainly going to continue, which, over the long term, will put upward pressure on prices, upward pressure on rents, and help with rental occupancy as well. When you have a vacancy, that next incoming tenant is going to be there, I think that's about as close to predictable as it can possibly get. So talk to us more about the dynamics in Florida and the in migration.   Jim Sheils  21:26   It's funny, Keith, last year the net migration, and you can check through all the stats out there. The net migration number for Florida, that means more people, obviously coming in than leaving, and the surplus was just about 470,000 so we still have a growth of 470,000 and people have set up. Florida. Net migration is over. And I'm going, well, it was pretty superb during the pandemic, but to say it's over when it's about a half million up from last year, I think would be a misconception for at the very least. So we feel the people are still coming, and we're asking, what kind of housing do they need? Do they need that higher end, emotional market housing? Not what we're seeing, what they're needing is affordability. They're going to areas where there's still great job source, there's still great affordability, and that's what we look for. Where can we still build a new construction, single family home for under $300,000 and have great job source close by. That's one of the things that we look for. Also, where is there that under supply of that workforce housing? There are very key markets in Florida that you know about that we build in. We're saying, yeah, there's lots of stuff on the market up there, but there is no supply of this workforce housing. We're going to keep building. And as you know, we have not stopped building the last two years, when a lot of people have run for the sidelines because they weren't in our sector of the market.   Keith Weinhold  22:48   Of course, you're very strategic about where you build geographically. Talk to us about where those places are   Jim Sheils  22:54   right now. Keith, my pick of the year has been the greater Ocala region, and I know we've been working with a lot of GRE folks in that region. Couple of reasons why, still had the strongest migration of any area in the US. And you can look that up. U haul had it as number one destination place. This was when I say greater Ocala. I look at Ocala, citrus springs, Inverness, that central Florida area. You know, still in some of those markets, Keith, we're building homes for 200 60s, 270,000 that's new construction, and enabled to get great rent and great financing, which no we'll talk about. And the job source is remarkable right now. In fact, interesting statistic, Keith, I know you watch this closely. In Ocala, the median price of a home is just around 300,000 main Ocala, you can get cheaper when you go out to citrus springs and Inverness, down to the 260s 270s but the median family income is 72,000 and when you look at that, that is a very good affordability index. That's very high average family income compared to a low median price, and that's bringing in more jobs. That's bringing in more security. Couple that with Central Florida being one of the lowest hurricane risk zones in the state. It's the highest ground. It's the furthest inland, in fact, to ensure a single family home on average in that area, about $65 a month for full coverage, wow, for a duplex, $105 a month, full coverage. And that's the advantage of new construction buying in the right areas or low hurricane risk zone and great job source coming in. So my favorite market right now, Keith, is that Central Florida, Ocala, citrus springs, Inverness, that's where we're building. Oh, that's also when people say it's overbuilt. Well, no, because we know that we're actually building for a few of the big institutions that have way bigger analysis departments than we do, and they're seeing that it's so behind on housing that people are finally going in. It was kind of an overlooked market all through the pandemic for the most part, and now it's finally getting people's attention.   Keith Weinhold  24:58   A couple months ago. On the show, I shared how a close friend purchased a new build Ocala duplex through you, the rents he got were even a little higher than you projected, and his insurance premium is $694 again, this is for a duplex. I forget. I think the purchase price was 400 to 420k on this new build property.   Jim Sheils  25:23   Yeah. And it's funny when people, we have lots of investors coming from all over, but I was in California's, know, for years. And when people hear a quote like that, like that, you just said 650, $6 they think that's for the month. And I say, No, no, no, that's for the year. And again, that's the misconception now, but you could pick up and you could go to a coastal area again, like I said in a 1952 duplex built at two feet above sea level that's had hurricane issues before, and your insurance could be $8,000 a year. Yeah, that's where you have to really shop before you actually pull the trigger on property. What are the taxes? What are the insurance? I mean, this is going back to core play, core strategy, but it's something you really have to look at   Keith Weinhold  26:07   talk to us about the product types that you're offering, all new build, and what percent of single family, duplexes and larger   Jim Sheils  26:15   the main majority of what we're building right now is single family and duplex. The numbers work great. They're in high demand. You know, duplexes are a pretty interesting product, Keith, because you can put them in single family home neighborhoods, and, you know, families that couldn't normally rent, afford to rent a full house there, can avoid an apartment building, still feel like they have their own home and afford to be in that neighborhood. So I'd say 80% of what we're doing is a combination of single family home and duplexes, and then, as you know, we still are building some of our quads, our four unit buildings in some areas of northeast Florida, like Jacksonville,   Keith Weinhold  26:50   expenses have obviously been on the mind of real estate investors. More so since interest rates doubled to tripled in 2022 you're selling to investors. Investors need the numbers to work. Since they're not in the emotional market, we're in the market where we're looking at numbers, and that biggest expense, of course, is your mortgage principal and interest. So you found a way to deal with high insurance premiums, because on most or all of your properties that you sell to investors, those insurance premiums are excessively low. Talk to us about what you've done with the mortgage rates, for investors   Jim Sheils  27:27   it's such an important point here, Keith, I remember hearing a warren buffett thing years ago saying, Well, I'm not really in the real estate and that, but for me, when I look at it, a house is worth what it can rent for. And that always stuck with me being Warren Buffett, even though he's not heavily invested in real estate like we are. But for get his sage advice on that that's always stuck with me. So when you're getting a property, yes, you want to have fair price, but the terms around it that actually produce the cash flow, or what's the condition of the property, where is it? But then the other fundamental numbers, what is your insurance? What are your taxes? And then the final big thing is, if you're leveraging, which I encourage, what's your mortgage? And so as you know, we're probably as obsessed with financing as we are with building right, cuz that's our model. We gotta build right. We gotta finance right. So we're always looking for the most advantageous programs where we can team up with banks. They'll allow us to pay an abnormal amount of points, which means discount points that we will pay, not the buyer, we will pay for our buyers to get the rate the lowest and most advantageous. We don't like short term teaser loans, where your rate's going to adjust in 18 months or two years. We saw a lot of people get in trouble with that, at least I did back in the Oh 708, days. So we want long term financing and low interest that's going to produce a cash flow, even though it's new construction from day one. And so right now, our newest program, as you and I have been talking about very excited, is actually a 40 year loan. It's a 40 year loan. We're paying the rate down. Right now we're at five and a quarter. A few weeks ago is at 4.75 so it does fluctuate back and forth. But here's what's exciting, Keith, you're leveraging into a new construction property that has longevity and durability. The first 10 years. Interest only the next 30 years is a 30 year AM, 30 year fixed at five and a quarter. So when you start to do the numbers and go through it, we're almost doubling cash flow on our single family homes and duplexes for people in areas like Ocala, and that makes such a difference to getting them off on the right foot.    Keith Weinhold  29:32   This is a key distinction. Rather than focusing on slashing the price and your properties are already affordable, you buy down that rate by purchasing discount points to buy down that mortgage rate for the investor at the terms that you just described. Builders often like this more. They don't want to cut their prices, because that can become a comparable and lead to a downgrade in values. And investors actually like it more as well, because rather than discounting the price. A little more. It helps the investor more. When you buy down that rate and you do it for them, they are not the ones participating in the rate. Buy down you, the investor. You're paying the closing costs like origination fee and title insurance and things like that. Okay with those 40 year loan terms like you laid out fixed interest only for the first 10 years, and then after 10 years, it transfers to a 30 year fixed, amortizing loan, still with that same rate locked in. Is that right?   Jim Sheils  30:29   That's correct. So there's no sometimes people think, oh, then it's going to trigger upwards several percent. It stays the same the whole 40 year term. We just go from interest only to principal and interest and again, you know, because you talk about the leverage all the time, the most important time to really solidify the strength of an investment and get cash flow going. The most pivotal time is in those first few years. Yeah, we feel we're really giving people that strong foundation to get a cash flowing right off the bat and be able to look long term. The great thing about new construction is people say, Could you hold it that long? I said, I'm planning to with some of my new constructions. Hopefully I'll be a little old man or my children will own them. But you can look out that far and know that you're jumping your cash flow in those initial years when a lot of people may be falling backwards. In fact, when we talked about those emotional markets where people bought higher end properties because they looked good and they felt good to walk through, and then all of a sudden they're bleeding month in, month out for a year, two years, three years. That's when they're ready to wave the white flag. We find with our model, with getting that rate really low, we're accentuating the cash flow forward those first few years, Keith, so they're ready to keep going after a few years, instead of raise the white flag.   Keith Weinhold  31:41   Yeah, when we think about how you're helping investors here while moving product at the same time, the number of problems that are solved are remarkable because you're solving the higher mortgage rate problem by buying down the rates. You've got a low rate, you've got a low insurance premium, you as the investor are almost certainly going to have low maintenance and repair costs since it's new build. And what else do you do when it's new build? The tenant, when they move in, they're the first person that's ever lived in that property, which probably means they're going to have a longer tenancy duration, because it's hard to move up and move into something better than the product you're offering, especially with low affordability for first time homebuyers. In fact, tell us about your average tenancy duration   Jim Sheils  32:21   yeah. So as you know, Keith, I did a ton of fixer uppers. First 15 years of my career, I wore that rehab badge on my shoulder with pride. I loved rehab and old houses. And look, that's great. That's a great way to get going. But I transitioned into new construction a decade ago, and so we've been able to do a lot of comparisons. And you know, back in the day, when I was fixing up lots of properties and renting them out, the older properties, my average tenant would stay about 13 months. It was a little over a year, get them for a year, and then there was move. But that was the average 13 months. Looking back now, and we've been doing this almost a decade. When you look at our new construction model, that went from an average of about 13 months to just over three years with our new construction product. So as you know, if all of a sudden we're pushing back that first move out from a year or 13 months to over three years, that's a tremendous way again to get the right footing and directional on your investment. So that was a really pleasant surprise. I did not expect going to new construction, but jumping from a year to three years has been a nice surprise.   Keith Weinhold  33:24   This brings to mind for you as a passive investor, it's sort of analogous to buying an existing business or starting a new one from scratch yourself, whether it's a rental car company or a tomato farm. You know, a lot of people wouldn't think about getting into business, they think about buying their own business, starting it from scratch, and that's really difficult to do when you're an investor. This way, you're not doing a fix and flip yourself, which is analogous to starting your own business from scratch. You get to buy someone's existing business. You're buying an existing property, a new build one, in this case, and that way you can look at all the financials already and have it be done for you in that all done for you sort of way, just like it is here. Well, Jim, do you have any last thoughts about the Florida real estate market today, especially with the lucrative product type that you're offering to investors?    Jim Sheils  34:16   I would just remind people do your homework, because there's apples and there's oranges, and you gotta compare the two, and you have to do the homework on which segment of the market is healthy and which one is not. I wouldn't recommend you invest in the unhealthy segment of the market, but look where the fundamentals are working. And go back to that term, a house is worth what it can rent for. And if you can look at that, and also couple with stability of new construction, this is where we've seen ourselves make the most money most success with the least amount of time for our investors. So I highly encourage that recipe for anyone out there.   Keith Weinhold  34:53   In addition to being a builder, Jim's company also holds properties under management. For investors, just like you, they offer that for you. For the long term, they have over 1000 current investors, many of them are GRE listeners. You can learn more about the provider at GRE marketplace under Florida statewide, but to get a free strategy session about the latest in what they have for available inventory, and also to compare this provider to other providers, the highest flex, the highest ROI move that you can make yourself as the listener for your due diligence is to connect with a GRE investment coach. It's free at GRE investment coach.com, oh, it's been valuable. Jim, thanks for coming onto the show.   Jim Sheils  35:38   Thanks for having me. Keith.   Keith Weinhold  35:46   Oh, yeah, hearing it straight from a builder today. And you know, a lot of builders create these nice looking, emotional Type homes, the same ones that appeal to owner occupants. They build those higher end homes because they create more builder profit. Well, that's the segment that has become overbuilt today, this build to rent provider we're talking about here is dealing with a public that reads these articles about the Florida slowdown, though things are still good in this workforce housing market. Well, because the public reads headlines, this builder still has to step in with incentives. So really, this is a case study on what a home builder needs to do to adjust to public perception more so than the reality. That's why Jim and his company keep building when others are they keep building because they keep selling to savvy investors, including you, the GRE listener, conversely, the overbuilt emotional market segment, that's where Florida single family home prices are often about 500k or more, and many of them have stopped building. It's that here, with this workforce housing, brand new, single family rentals sell for the high 200k to 300k range in the three hundreds and duplexes in the four hundreds. We've been working with this provider for nearly a decade, and I've asked them, what can you do for GRE listeners? And these are the best incentives yet, is they basically are making discounts in your favor to deal with this public perception. And they are an interest rate buy down that they make for you, like we mentioned, currently to five and one quarter percent. They're also giving GRE listeners two years of free property management, a rental Protection Program, a six month eviction guarantee and a 210 builder warranty. When you see a builder warranty expressed that way, that means they cover two years on the small stuff, 10 years on the big stuff. The latest pro forma that I saw for their single family rentals had a purchase price of 325k and a cash on cash return of nearly 7% when you include all those generous incentives. So if you're looking for a new market to expand into the time and place could very well be here and now, some people wait for blue sky and everything to be perfect before they act well, that never happens. This is about as close as you'll get today. You'll either keep what you've got or change what you're doing here, Jerry, we constantly shop the nation for you. Our coaches help show you where those deals are that they found. And this is a potential opportunity. Here you can get on the calendar of one of our investment coaches for free. And if you like, start by asking about Florida new build property with all the incentives that you heard about here on GRE podcast, 564 at GRE investment coach.com until next week. I'm your host. Keith Weinhold, don't quit your Daydream.   Speaker 4  39:09   Nothing on this show should be considered specific, personal or professional advice. Please consult an appropriate tax, legal, real estate, financial or business professional for individualized advice. Opinions of guests are their own. Information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of get rich Education LLC exclusively.   Keith Weinhold  39:32   You know, whenever you want the best written real estate and finance info, oh, geez, today's experience limits your free articles access, and it's got paywalls and pop ups and push notifications and cookies disclaimers, it's not so great. So then it's vital to place nice, clean, free content into your hands that adds no hype value to your life. That's why this is. The Golden Age of quality newsletters, and I write every word of ours myself. It's got a dash of humor, and it's to the point because even the word abbreviation is too long, my letter usually takes less than three minutes to read. And when you start the letter, you also get my one hour fast real estate video, course, it's all completely free. It's called the Don't quit your Daydream. Letter, it wires your mind for wealth, and it couldn't be easier for you to get it right now just text gre to 66866, while it's on your mind, take a moment to do it right now. Text, gre to 66866   Keith Weinhold  40:48   The preceding program was brought to you by your home for wealth, building, getricheducation.com