Podcasts about New Hampshire

Thursday, September 21st, 2023Today, in the Hot Notes: Rudy Giuliani has been accused of groping Cassidy Hutchinson on January 6th according to her new book; Democrats win two key elections in Pennsylvania and New Hampshire; the former federal prosecutor who resigned from the Durham probe confirms she left over the politicization of the investigation; the Department of Defense increases its efforts to reach out to veterans discharged under Don't Ask Don't Tell to correct their military records; President Biden cancels $37M in debt for former University of Phoenix students; Senator Fetterman claps back at Republicans criticizing his wardrobe; a former Republican Congressman has been sentenced to two years in prison; an update on the 150 year old Lahaina Town Banyan Tree; plus Allison and Dana deliver your Good News.Don't Ask Don't Tell ResourcesWant some sweet Daily Beans Merchhttps://shop.dailybeanspod.com/Check out other MSW Media podcastshttps://mswmedia.com/shows/Follow AG and Dana on Social MediaDr. Allison Gill Follow Mueller, She Wrote on Posthttps://twitter.com/MuellerSheWrotehttps://twitter.com/dailybeanspodhttps://www.tiktok.com/@muellershewrotehttps://instagram.com/muellershewroteDana Goldberghttps://twitter.com/DGComedyhttps://www.instagram.com/dgcomedyhttps://www.facebook.com/dgcomedyPromo CodeHead to policygenius.com or click the link in the description to get your free life insurance quotes.Google Doc of legislation threatening trans people and their families:LGBTQ+ Legislative TrackingHave some good news; a confession; or a correction?Good News & Confessions - The Daily BeansFrom the Good Newshttps://nothingdownthedrain.comListener Survey:http://survey.podtrac.com/start-survey.aspx?pubid=BffJOlI7qQcF&ver=shortFollow the Podcast on Apple:The Daily Beans on Apple PodcastsWant to support the show and get it ad-free and early?https://dailybeans.supercast.techOrhttps://patreon.com/thedailybeansOr subscribe on Apple Podcasts with our affiliate linkThe Daily Beans on Apple Podcasts

In Episode 317 Jeff Belanger and Ray Auger roll into Gilmanton, New Hampshire, to see the birthplace of America's first and possibly most prolific serial killer Herman Webster Mudgett, better known as H.H. Holmes. Holmes became most infamous for building the Murder Castle in Chicago during the 1893 Chicago World's Fair. Joining us on this adventure is Jeff Mudgett, author, researcher, History Channel host, and the great great grandson of H.H. Holmes. Officially, Holmes was hanged in prison May 7, 1896, and then buried in Philadelphia. But is that really Holmes in the grave? Listen to find out!   See more here: https://ournewenglandlegends.com/podcast-317-the-birth-of-americas-first-serial-killer/   Listen ad-free plus get early access and bonus episodes at: https://www.patreon.com/NewEnglandLegends

On this week's episode of True Crime New England, Katie and Liz talk about the tragic story of the murder of Krista Dittmeyer. In 2011, 20-year-old mother Krista was living in Portland, Maine, and supporting herself and her 14-month-old daughter while her boyfriend was in jail. On the night of April 22nd, Krista was lured to the Ossipee, New Hampshire home of Michael Petelis, where she was ambushed by him and an accomplice, Anthony Papile. She was then driven to the Cranmore Mountain Ski Area and dumped in a snowmaking pond, where she ultimately died of prolonged cold water submersion. Her killers, as well as a third accomplice who drove the getaway car, were all charged and are serving time for Krista's brutal murder. --- Support this podcast: https://podcasters.spotify.com/pod/show/truecrimene/support

Independent investigative journalism, broadcasting, trouble-making and muckraking with Brad Friedman of BradBlog.com

New research and polling show that more and more Americans now doubt a previously unquestioned fact of U.S. life — that going to college is worth it.Paul Tough, a contributing writer for The New York Times Magazine, explains why so many high-school students and their parents are souring on higher education and what it will mean for the country's future.Guest: Paul Tough, a contributing writer for The New York Times Magazine who has written several books on inequality in education.Background reading: Americans are losing faith in the value of college. Whose fault is that?In December, Colby-Sawyer in New Hampshire reduced its tuition to $17,500 a year, from about $46,000. The cut was a recognition that few pay the list price.For more information on today's episode, visit nytimes.com/thedaily. Transcripts of each episode will be made available by the next workday.

In this episode of “In Stride,” Sinead is joined by Grand Prix dressage rider and trainer Barend Heilbron. Barend Heilbron graduated from the Dutch Equestrian Center NHC, where he learned about different disciplines, horse care, barn management, psychology, and more. It is one of the world's most recognized colleges specializing in equestrian education. This school is similar to the Warendorf School in Germany. In 1987, he moved to the U.S. and worked for Marty Simonson before starting a training business in New Hampshire. In 2015, he moved to Ocala, FL, where he currently runs Islands Farms with his wife, Anne-Marie Heilbron. In this episode, Barend discusses various topics related to training and riding, including: • Common misunderstanding of the aids in dressage and eventing. • Teaching in a way that allows the student to recreate the ride on their own. • The difference in equestrian studies in Holland vs. the U.S. • Integrating horse psychology into the world of competitive sport horses. • His explanation and approach to collection, half-halting, and connection. Join Barend and Sinead in this exciting conversation on training dressage horses.

A former Trump aide says Trump told her to play dumb about boxes of classified documents that he stashed at Mar-a-Lago. Plus, John King talks to New Hampshire voters on what matters most to them as he shares who in the GOP primary has the lead in New Hampshire and who has the momentum. Also, CNN has obtained new evidence that suggests Ukraine may be taking the war with Russia outside its borders.  To learn more about how CNN protects listener privacy, visit cnn.com/privacy

The Coinbase "Stand with Crypto" campaign is a grassroots effort to advocate for favorable cryptocurrency legislation in the United States. The campaign has a strategic focus on nine specific states: New Hampshire, Nevada, Ohio, Pennsylvania, Arizona, California, Georgia, Illinois, and Wisconsin. These states were chosen because they have a large population of crypto owners and voters who are opposed to anti-crypto candidates.The campaign aims to mobilize crypto advocates to contact their members of Congress and urge them to support crypto-friendly legislation. Coinbase is also providing educational resources and tools to help crypto advocates make their voices heard.The "Stand with Crypto" campaign is important because it is working to ensure that the United States remains a leader in the crypto industry. Clear and fair crypto regulation is essential for the continued growth and success of the industry.Here are some specific ways that the "Stand with Crypto" campaign is working to achieve its goals:Educating the public about crypto: The campaign is running a variety of educational initiatives to help people understand what crypto is and why it is important. This includes blog posts, social media campaigns, and in-person events.Mobilizing crypto advocates: The campaign is making it easy for crypto advocates to contact their members of Congress and urge them to support crypto-friendly legislation. This includes providing contact information for lawmakers, pre-written scripts, and other resources.Advocating for specific legislation: The campaign is working to support specific pieces of legislation that would create a clear and fair regulatory framework for crypto in the United States. This includes the Lummis-Gillibrand Responsible Financial Innovation Act and the Digital Asset Securities Act.The "Stand with Crypto" campaign is still in its early stages, but it has the potential to make a significant impact on the future of crypto regulation in the United States. By mobilizing crypto advocates and educating the public, the campaign can help to ensure that the United States remains a leader in the crypto industry.

On today's episode of The Lives of Writers, Michael Wheaton interviews Emma Catherine Perry.Emma Catherine Perry is the author of Blocks World, which is out today from Great Place Books. Her poetry is published in Fence, Nashville Review, Quarterly West, and elsewhere. She currently lives in Moscow, Idaho where she supports other writers in her capacity as Associate Director of the Writing Center and English faculty at the University of Idaho.A poem from Blocks World, “The Sign of the Self,” appears in Autofocus's Fall 2023 issue.Michael Wheaton is the publisher of Autofocus Books and producer of this podcast.____________PART ONE, topics include:-- moving on to a new job at a new school-- moving around a lot-- linguistic diversity and justice-- growing up in rural New Hampshire-- an art history major before MFA and PHD-- external validation and publishing later -- the challenging of publishing at all-- deciding to go into a PHD____________PART TWO, topics include:-- Emma's debut poetry collection BLOCKS WORLD-- finding the form and forms of the book-- making poetry within the confines of the medium-- collaborating with non-human actors-- process and seriality-- longer poems and poems as reckonings-- writing directly to family members and others-- the illusion of non-mediation and intimacy-- blending the specific real and poetic distance____________PART THREE, topics include:-- pattern and mutation-- seriality and repetition and iteration--  aphorism and the declarative statement-- long lines and syntactical play-- finding publication as the first book by Great Place Books-- the humbling amount of amazing unpublished manuscripts out in the world-- trying and participating as the process-- the importance of sharing work with friends____________Podcast theme music provided by Mike Nagel, author of Duplex. Here's more of his project: Yeah Yeah Cool Cool.The Lives of Writers is edited and produced by Michael Wheaton.

C.K. Collins, aka Kelly, was an award-winning publisher and owner of a hyperlocal news publishing company in the middle Tennessee area. She sold her company and retired from the industry in 2021.Believing that travel feeds the soul and grows the heart and mind, Kelly embarked on a two-year travel sabbatical to write her book and subsequent workbook. Her travels included destinations such as Utah, Grand Canyon in Arizona, Buenos Aires, Patagonia, Portugal, Spain, Italy and a 30-day sailing rally from Los Angeles to La Paz, Mexico.In 2018, Kelly hiked the 500-mile Camino de Santiago in France and Spain, hiked a portion of the Appalachian Trail in New Hampshire in 2019 and hiked her second Camino (or spiritual hike) in 2022 in Portugal.Kelly grew up in Nashville, TN and is currently residing in Newport, Rhode Island where you wrote The Swipe Right Effect: The Power to Get Unstuck and the companion workbook, The Swipe Right Effect Workbook. Following the book release, she began a coaching and consulting career focused on helping women who are seeking and yearning for their highest frequency of living.Book:The Swipe Right Effect by C.K. Collins, aka Kelly, is the perfect guidebook for anyone who wants to find their way back to happiness, empowerment, and joy.Drawing from her own experience of overcoming divorce, Kelly shares personal stories of her journey towards healing and transformation. She also interviews ten of her special friends who share their own stories of pain, renewal, and growth. Through their collective wisdom, they offer practical ideas and techniques that can help you overcome your own challenges.With chapters that include Empowerment Practices, you can learn how to take control of your emotions and manage overthinking. You can also build your self-esteem, practice forgiveness, and find positivity in your life. The book also covers topics such as depression, mental health, and habit development.Through guided exercises, motivational stories, and powerful manifesting techniques, The Swipe Right Effect can help you become more aware of your thoughts and feelings. You can develop confidence and overcome self-doubt. You can also learn to build positive habits and transform your life.Whether you're seeking therapy or counseling, or simply looking for ways to improve your mental and emotional well-being, this book can be your guide. By journaling your experiences, practicing mindfulness, and focusing on personal growth, you can become happier, healthier, and more empoweredLinks to Freebies:https://c-k-collins.ck.page/da9d0da3f6How to Be Balanced, Beautiful and Abundant?For more information go to…https://www.rebeccaelizabethwhitman.com/Https://linktr.ee/rebeccaewhitman This is The Quickest & Easiest Way To Your Own Side Hustle!Show me how----->https://balancedbeautifulabundant.com/

During the Aseret Yamei Teshuva, we add the mizmor שיר המעלות ממעמקים to our tefilla. Some add the mizmor of לדוד ה' אורי at the end of tefilla. Both of these mizmorim speak about having hope in Hashem's salvation. Specifically at this time of year, when everything is being decided, it is incumbent upon us to pray harder and believe in Hashem's ability to give us even what may seem to be very unlikely. Odds and statistics do not matter to Hashem. Doctor's predictions do not matter to Hashem. Our belief in Hashem and our tefilot are what is going to produce the salvations we are hoping for. I read two stories from Rabbi Binyamin Pruzansky on this topic. The first was about Raizy and Leah, two good friends who worked as social workers for an Israeli agency. They were both assigned to work in an old age home in Bnei Brak called Ateres Zekenim. One of the elderly women in their shared caseload was Chava, she was 83 years old but very young at heart. One day, the two were planning their day off as Chava listened in. They planned to go to Amuka and pray for a shidduch as they had been in shidduchim for quite some time. When Chava heard their plans, she asked if she could come along. She said she was never married and would love to come and pray for a shidduch for herself. The girls almost burst into laughter hearing that request. Whoever heard of an 83 year old praying for a shidduch? Nevertheless, they brought her along. Amazingly, that year Chava became a bride. A man who had lost his wife the year before was having trouble deciding which of his children to live by. They all wanted him and he didn't want to cause a fight so he chose to move into this old age home. While he was there, someone suggested a shidduch with Chava and eventually they got married and moved into their own apartment. Raizy and Leah couldn't believe that of the three of them, Chava was the one answered at Amuka that year. They asked her what her secret was. She explained, "When I asked you to come along and pray in Amuka, I knew you thought I was crazy. I knew I had nobody to depend upon besides Hashem and that is why I prayed to Him with full emunah.” A tefilla with emunah can do wonders. Even an 83 year old woman can find a shidduch. The second story was about a young man and his new wife who were traveling in the summer to visit the kallah's parents who were vacationing in New Hampshire. As they made their way down the I-84, they realized they were very low on gas. It was late at night and all the gas stations that they passed by were closed. They had another 130 miles to go until their destination with only 25 miles left of gas in their tank. They did not want to get stuck on a highway in the middle of nowhere. They knew there was one more possible gas station in the area a few miles away and they drove there hoping for the best. When they pulled up, they saw all the lights were off; it was closed as well. Now they were really stuck, there were no other options available. The young man said to his wife, he was going to pray with all of his heart for Hashem to enable them to pump gas out of a machine in this gas station that had no power. He stepped out of the car with full emunah that it did not matter to Hashem that there was no power. After his tefilla, he stuck his credit card into the machine and placed the nozzle in his gas tank, hoping for a miracle. He pressed down and, amazingly, the gas started to flow. It didn't make sense, the power was off, the screen was blank but the gas was flowing. Hashem can do anything and now more than ever we need to pray with that emunah.

This week on The Rideshare Rodeo Podcast (episode 270), I am joined by Sergio (The Rideshare Guy) & David (Para). We discuss: California Prop22, now and then, in depth breakdown Washington State's Rideshare Driver Legislation Mess in Massachusetts, what are they thinking "The app based driver classification act" States about to push legislation: Illinois, New Jersey, Pennsylvania, & New Hampshire .:: Gig App Worker Law and Regulation Proposal (official document) ::. https://www.mass.gov/doc/23-30-a-law-defining-and-regulating-the-relationship-between-network-companies-and-app-based-drivers-for-certain-purposes-of-the-general-laws-version-g/download .:: Proposal Summary ::. https://www.mass.gov/doc/final-summary-petition-23-32/download ***** Support Rideshare Rodeo Patreon Page: https://patreon.com/ridesharerodeo

Today, the Ash Holes are smoking the Diamond Crown No3 while Dan surprises Dave, Ed and Chrissy with a Pop Quiz. Who knows the most about Cigars? Who will know the most about nothing?  Who will win? and Will Dave play by the rules?  Tune in to find out! We also have a Dave's Weekly 6 Pack, a weekly Top 5 and some Delightful News   Get your Dave's Weekly 6 Pack NOW: https://www.2guyscigars.com/daves-ash-holes-deal-of-week-039779/ #Popquiz #Cigarquiz #Cigarband #Davidgarofalo #Edsullivan #Aaronnoonan #Dandavidson #TAA #TAH #Cigars #Theashholes #UnitedPodcastNetwork #Studio21PodcastCafe   Follow Us On: Facebook: https://www.facebook.com/AshHolesRadio YouTube:    / @theashholes9602  Odysee: https://odysee.com/@theashholespodcast:f Instagram: https://www.instagram.com/ashholesradio/ Twitter: https://twitter.com/TheAshHoles Listen to Us on: theashholes.podbean.com   or anywhere you listen to your favorite podcasts   Join us as we broadcast live on location from Studio 21 Podcast Cafe high above Two Guys Smoke Shop in Salem, New Hampshire on the United Podcast Network, every Tuesday @ 4pm.

Brought to you by J.C. Newman - This week Matt Mitchell talk to Dan Davison about the upcoming New England Cigar Expo in New Hampshire on September 29th and 30th. Tune in now to hear all about it and what kinds of prizes you can win, people you might see and what other things Dave, Dan and the rest of the Two Guys Smoke Shop crew have in store! Micallef News: This weeks news segment covers a variety of happenings from the industry on our website. Don't forget to Like and Subscribe and visit www.smokintabacco.com for more news and updates from the cigar industry. Visit 2GuysCigars for the best selection of in the industry! - www.2guyscigars.com 

In this episode we are taking a look at 10 of the most confounding missing person cases yet to be solved...Maura Murray: Maura Murray disappeared in 2004 after crashing her car in Haverhill, New Hampshire, USA. She left the scene before police arrived and was never seen again.Tara Calico: In 1988, Tara Calico vanished while riding her bicycle near her home in Belen, New Mexico. A Polaroid photo, possibly showing her in captivity, surfaced years later, but her whereabouts remain unknown.Amy Bradley: Amy Bradley went missing from a cruise ship in 1998 while it was docked in Curacao. Despite reported sightings, she has not been found.Brandon Lawson: Brandon Lawson disappeared in 2013 after running out of gas on a rural Texas highway. He made a frantic 911 call, and his case remains unsolved.Brian Shaffer: Brian Shaffer went missing in 2006 after entering a bar in Columbus, Ohio. He was captured on surveillance cameras entering the bar but was never seen leaving.Asha Degree: Asha Degree disappeared in 2000 from her home in Shelby, North Carolina, at the age of nine. She left her house in the middle of the night and was never found.Johnny Gosch: Johnny Gosch vanished in 1982 while delivering newspapers in Des Moines, Iowa. His case has led to various theories and investigations but remains unsolved.Nicholas Barclay: Nicholas Barclay disappeared in 1994 in San Antonio, Texas. Three years later, a man claiming to be Nicholas was found in Spain, but his true identity remains a mystery.Ray Gricar: Ray Gricar, a Pennsylvania prosecutor, disappeared in 2005 under mysterious circumstances. His car was found abandoned, and he has not been located.Sneha Philip: Sneha Philip disappeared on September 11, 2001, in New York City. She was last seen near the World Trade Center on the morning of the 9/11 attacks, and her disappearance remains unsolved.(commercial at 14:38)to contact me:bobbycapucci@protonmail.comThis show is part of the Spreaker Prime Network, if you are interested in advertising on this podcast, contact us at https://www.spreaker.com/show/5080327/advertisement

In this episode we are taking a look at 10 of the most confounding missing person cases yet to be solved...Maura Murray: Maura Murray disappeared in 2004 after crashing her car in Haverhill, New Hampshire, USA. She left the scene before police arrived and was never seen again.Tara Calico: In 1988, Tara Calico vanished while riding her bicycle near her home in Belen, New Mexico. A Polaroid photo, possibly showing her in captivity, surfaced years later, but her whereabouts remain unknown.Amy Bradley: Amy Bradley went missing from a cruise ship in 1998 while it was docked in Curacao. Despite reported sightings, she has not been found.Brandon Lawson: Brandon Lawson disappeared in 2013 after running out of gas on a rural Texas highway. He made a frantic 911 call, and his case remains unsolved.Brian Shaffer: Brian Shaffer went missing in 2006 after entering a bar in Columbus, Ohio. He was captured on surveillance cameras entering the bar but was never seen leaving.Asha Degree: Asha Degree disappeared in 2000 from her home in Shelby, North Carolina, at the age of nine. She left her house in the middle of the night and was never found.Johnny Gosch: Johnny Gosch vanished in 1982 while delivering newspapers in Des Moines, Iowa. His case has led to various theories and investigations but remains unsolved.Nicholas Barclay: Nicholas Barclay disappeared in 1994 in San Antonio, Texas. Three years later, a man claiming to be Nicholas was found in Spain, but his true identity remains a mystery.Ray Gricar: Ray Gricar, a Pennsylvania prosecutor, disappeared in 2005 under mysterious circumstances. His car was found abandoned, and he has not been located.Sneha Philip: Sneha Philip disappeared on September 11, 2001, in New York City. She was last seen near the World Trade Center on the morning of the 9/11 attacks, and her disappearance remains unsolved.(commercial at 14:38)to contact me:bobbycapucci@protonmail.comThis show is part of the Spreaker Prime Network, if you are interested in advertising on this podcast, contact us at https://www.spreaker.com/show/5003294/advertisement

The Fed can raise interest rates, but they cannot create housing supply.  Housing intelligence analyst Rick Sharga joins us for the second week in a row. This housing market is awful for primary residence homebuyers. But at GRE Marketplace, you can still buy income properties with rates as low as 4.75%. Rick tells us that the most prosperous markets now favor the: Midwest and Southeast, single-family homes, rental property investors with buy-and-hold strategies. National home prices are appreciating modestly. Home sales volume is still down. Investors now account for more than one-quarter of property purchases. Mortgage delinquencies are near an all-time low. Rick and I discuss why this market is so bad for flippers.  High homeowner equity positions ($300K+) support this housing market.  Timestamps: The impact of rising mortgage rates [00:02:37] Discussion on how the Federal Reserve's raising of short-term rates has caused mortgage rates to go up, affecting the housing market. The affordability challenge [00:03:38] Exploration of the impact of higher mortgage rates on homebuyers, particularly first-time buyers, and the decrease in affordability. Low supply of homes [00:08:48] Analysis of the low inventory of homes for sale, with a decrease of 9% from the previous year and 47% from 2019, leading to a challenging market. The mortgage rate lock in effect [00:11:05] Discussion on how the mortgage rate lock in effect can crimp demand but cannot create supply. Hottest markets in the Midwest and Southeast [00:11:05] Analysis of the hottest real estate markets in the Midwest and Southeast regions of the United States. Positive turn in home price appreciation [00:13:06] Explanation of how home price appreciation went down but has recently turned positive again. Housing Permits, Starts, and Construction [00:21:24] Discussion on the trends and levels of housing permits, starts, and construction, and the need for builders to increase production. Investor Activity in the Residential Market [00:22:28] Exploration of the percentage of home purchases made by investors, with a focus on small and medium-sized investors and the misconception of institutional investors dominating the market. Delinquencies and Foreclosures [00:24:36] Analysis of mortgage delinquency rates, foreclosure activity, and homeowner equity, highlighting the low delinquency rates, the presence of equity in foreclosed homes, and the importance of early-stage foreclosure sales. The future direction of rents [00:32:00] Discussion on the potential upward pressure on rents due to low affordability and high homeownership rate. Inventory coming to the market [00:33:03] Exploration of the impact of expensive inventory coming to the market and its effect on rent prices. The overall economy and housing market [00:34:03] Consideration of the possibility of a recession, unemployment spike, and foreclosures affecting the housing market. The coach's role in finding real estate deals [00:43:06] Explanation of how an investment coach can help you find the best real estate deals in the marketplace. Advantages of buying properties from marketplace [00:44:20] Reasons why buying properties from marketplace can lead to good deals, including lower prices and absence of emotional seller involvement. Resources mentioned: Show Notes: www.GetRichEducation.com/467 Rick Sharga's website: CJPatrick.com Rick Sharga on X (Twitter): @RickSharga 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”  Top Properties & Providers: GREmarketplace.com GRE Free Investment Coaching: GREmarketplace.com/Coach Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— text ‘GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Keith's personal Instagram: @keithweinhold   (00:00:01) - Welcome to. I'm your host, Keith Weinhold. Hold a terrific discussion today on the direction of the housing market, including lessons that you can learn for all time plummeting home sales volume and direly low home inventory. Why home price appreciation is taking place now. Could the government soon penalize you for owning too many rental properties? What's the best place for a real estate investor to position themselves in this era? And more today on Get Rich Education.   (00:00:33) - You're listening to the show that has created more financial freedom than nearly any show in the world. This is Get rich education.   (00:00:56) - Walking from Horseheads, New York to Nags Head, North Carolina, and across 188 nations worldwide. I'm Keith Weinhold. And you're listening. To get rich education, you are going to get a fantastic market update today. And along the way, you'll also learn lessons if you're consuming this 5 or 10 years from now. Our expert guest was with us last week to discuss the economy. This week, it's episode two of two as we discuss the real estate market.   (00:01:25) - He has been the executive VP of markets at some of America's leading housing intelligence firms, and today he's the founder and CEO of Patrick Company, either a market intelligence firm for the real estate and mortgage markets. And he has 20 plus years of experience in those industries. It's the return of Rick Saga Part two of two. It's not imperative that you listen to last week's Part one of two that we can help you see the big picture. Enjoy this long, unbroken interview and then after the break, I'll come back to close it. Just you and I. We're talking with Rick Sagar, expert housing analyst, previously. We talked about the general condition of the economy. And now Rick and I are going to break down the housing market with what's happening there. There's so definitively connected. Keith One of the things to that the Federal Reserve has done by raising those short term rates is caused mortgage rates to go up, right? Mortgage rates tend to run loosely in line with the yields on the ten year US Treasury bonds that we talked about at the end of the first segment.   (00:02:37) - Those are now up around 4%. And typically a 30 year fixed rate mortgage will be between one and a half and two percentage points higher than that yield. So in a normal market, we'd be looking at a mortgage rate today of about five and a half to 6%. Instead because of the risk and the volatility that the market is pricing in because they're not sure what the Federal Reserve is going to do next. We're looking at mortgage rates for a 30 year fixed rate loan of over 7%. The most recent numbers from last week from Freddie Mac, we were at almost 7.2% on that average, 30 year fixed rate loan and 6.5% on a 15 year fixed rate loan. You and I were talking before the show and and you know, historically speaking, if we keep these things in context, we're still actually below the 25 year average, which was 8%. But we have a whole generation of homebuyers who've come of age during the period of the lowest mortgage rates in the history of the country. They got spoiled, they got spoiled.   (00:03:38) - And to be clear, it's one of the reasons that home prices rose as rapidly as they did and got as high as they are is because you could afford to make monthly payments with a two and a half, three, 3.5% mortgage. Now, you still have home prices about as high as they were then, and you have a mortgage rate that's doubled. And for most home buyers, particularly first time home buyers that make your monthly mortgage payment was going to go up by 45 to 60%. And most of us didn't get that 45 to 60% raise last year. It really had a huge impact on affordability. In fact, this is such an unusual occurrence that according to Freddie Mac, it's the only time in US history when mortgage rates doubled during a calendar year and they didn't just double in a calendar year. Keith They doubled in the space in a few months. It was that kind of systemic shock to the system that really hit the housing market as hard as it did. Right. And they've also nearly tripled in a pretty short period of time.   (00:04:35) - Yeah, they really have. And again, going back historically speaking and and get this from Gen Z folks and millennials, when I talk about, you know, the old days of mortgage and I do remember my first mortgage had two numbers to the left of the decimal point. I forget if it was 11 or 12%, but it was something like that. And they basically say, okay, Boomer, but that 11% mortgage was on your $70,000 house, Right. And not, you know, today's median priced home of $430,000 or whatever it is. So it's a fair point. Mortgage rates are not high, historically speaking, but that monthly cost, because of the combination of home prices and higher interest rates, is choking some people and making affordability a problem. And because of that, one of the forward looking metrics that I take a look at is the purchase loan mortgage application index from the Mortgage Bankers Association. So this is the number of people that are applying for loans with the purpose of buying a house.   (00:05:35) - They're off almost 30% on a year over year basis right now. You can see without straining your eyes at all the impact that these higher mortgage rates are having on the housing market. And we had almost record numbers of purchase loan applications from the time people who are allowed out of their house during the pandemic until these mortgage rates doubled from 2020 through the early part of 2022, mortgage rates were in the threes and fours and sometimes even in the twos. Yeah, everyone wants to talk about mortgage rates and it is an important discussion to have here at Marketplace with our investment coaches. Rick Some builders, as you know, they commonly offer rate buy down incentives to buyers of new homes. And what some of our providers are doing here, Rick, is we have one builder where if you use their preferred lender, they're buying down your income property's mortgage rate to 5.75%. And we have another builder where if you use their preferred lender, they're still buying down your mortgage rate to 4.75%. And of course, with Non-owner occupied property here, you know, previously you had talked about mortgage rates in excess of seven.   (00:06:47) - They might normally be about 8% for non owner occupied property, but you're able to buy them down to five and three quarters or even four and three quarters with one of our providers for new builds right now, that's a great deal and your listener should really be taking advantage of those opportunities. We'll get into new homes in a few minutes and what we're seeing builders do for consumers, But have to tell you, those numbers are better deals than consumers are getting right now. And you're being generous when you're talking about private lending rates right now. Most of the lenders I'm familiar with are nine, ten, 11%, depending on the nature of your investment. So your folks are getting a great deal with those rates. We talked about purchase loan applications. The other advanced predictor I look at is pending home sales. These are people that are entering into contracts. The deal hasn't been closed yet. Has it been recorded yet? This comes out from the National Association of Realtors. And those numbers are down on a year over year basis as well.   (00:07:42) - There's a lot of rate sensitivity in the market, though, Keith. And if you go back to March when rates went down just a fraction of a percent, we saw more purchase loan applications. We saw more pending home sales. But as rates have climbed back up over seven, we've seen both of these metrics go down. Yeah. So we're talking about pending home sales. We're talking about sales volume that's down in this discussion, not sales price. And anyone might be hard to say, but when you see sales volume that's down, including pending sales, how often is that due to worse affordability and how often is that due to low supply of homes? Why don't we jump right into that? Keith That's a great segue. And this is a very difficult time in the housing market because it has both of the factors that you just mentioned, two very difficult headwinds for the market to try and overcome. And and we'll get into details on both of those in just a minute. Because of that, existing home sales were down in July and they were down pretty significantly on a year over year basis, about 16%.   (00:08:48) - And that's the 23rd consecutive month where existing home sales were lower than they were the prior year. January was the lowest month of sales this month, and it broke a streak we started this year. I was forecasting that we'd see between 4.3 and 4.4 existing home sales. That's down from about 5.2 last year in about 6.1 million the year before. Right now, we're trending at a little over 4 million existing home sales for the year. So even my relatively low forecast for the year may have been overly optimistic. You mentioned inventory and inventory is a huge headwind for the market. Inventory of homes for sale today is down about 9% from where it was a year ago. It's down 47% from where we were in 2019, which was probably the last normal year we've had in the housing market. In a normal year, we would be looking at about a six month supply of homes available for sale. That's what economists or housing market analysts will look at as a balanced market balance between supply and demand. We're at about two and a half months supply right now nationally and in many states it's much lower than that.   (00:09:56) - So there's just not much out here. And the only reason the inventory number looks as good as it looks and it doesn't look very good is because it's taking a little longer to sell properties once they hit the market. If you were looking at new listing data, it's even worse. There's very little inventory coming to market in the way of new listings, and that's because of the rate increases we talked about a minute ago. 90% of borrowers with a mortgage have an interest rate on that mortgage of 6% or less. 70% have an interest rate of 4% or less. If you're sitting on a mortgage rate of 3.5% and you sell your house and buy a house at the same exact price with a 7% mortgage, you've just doubled your monthly mortgage payment. It's not that people psychologically don't want to trade a low rate for a high rate. There's a financial penalty for them doing so. And until we see mortgage rates come down a bit, probably into the fives, we're just not going to see a lot of inventory coming to market except for homeowners who need to sell or have so much equity and maybe you're going to downsize into a smaller property that they don't care about that kind of shift.   (00:11:05) - Yeah, that is the mortgage rate lock in effect. Perfectly explain. And the Fed with the raising rates, they can crimp demand. But one thing that the Fed cannot do is create supply. As much as you might like to see Jerome Powell in work boots with a nail gun, that just doesn't happen. There's an image for you, for your listeners. Yeah, and I'm not sure I'd want to. I'd want to live in that house. That's not Chairman Powell building, but inspection. Yeah. Good economist. Maybe not a carpenter. We were talking about this a little bit earlier, too. And if you're an investor, this is probably worth noting, whether you're a fix and flip investor or investor who's buying properties to rent out a lot of the interest. This is from the sharing some data from Realtor.com and they've taken a look at where people are searching for properties and where transactions are taking place and they're finding that Midwest Southeast are really the hottest markets, places that are a little off the beaten path, you know, places in New Hampshire and Connecticut and Maine and Ohio and Wisconsin.   (00:12:06) - But interestingly, some of the markets that had been suffering a little bit, they're starting to see a little more interest in whether it's California, but off the coast or markets in Colorado or Washington state. But clearly, a lot of the activity, a lot of the money is moving into the Midwest, in southeast. That's right. With the work from anywhere trend, you might see this small flattening and not as much of a disparity in home prices between markets. You're certainly still going to see that, but that can just help create a mild flattening when it doesn't matter where you live anymore and you can go ahead and purchase in lower cost markets. Yeah, and what I'm sharing now is national home prices, home price. And I'm glad you mentioned what you just did, Keith, because the fact of the matter is this has been a very localized correction. And if you're in San Francisco or San Jose, if you're in Seattle, if you're in Austin, if you're in Phoenix, you're in markets where prices are off 10% or more from peak.   (00:13:06) - If you're in Boise, Idaho, you're off more than 10% from peak of Boise had oil prices go up by 47% in a single year, a year or so ago. So he just overshot the mark. One of the reasons the national numbers don't show more volatility is because of what Keith just mentioned. It's because people are trading in where they are in a high price, high tax state moving into a lower price state and candidly outbidding local buyers and probably overpaying a little bit for those properties. So you're seeing home prices go up in some of those less expensive markets much more rapidly than they would under normal circumstances. And what we're talking about here is national home prices that are appreciating at a modest rate now. Yeah, and they are. So if you look at whether you're looking at the Case-Shiller index, it gets published monthly or the National Association of Realtors data. We saw home price appreciation start to go down last year. It was still positive but going down and that was true until pretty much the end of the first quarter this year when the data went negative for the first time in years.   (00:14:15) - So we were seeing on both a month over month and year over year basis home prices go down and that happened until June, June, things flatlined in July. Prices actually went up ah, year over year. So if you're looking at the median home price compared to the peak price a year ago, it's actually up about 1% from where we were last year, which is kind of amazing. The Case-Shiller index is a little bit of a lagging indicator and it rolls three months together, but it also started to turn the corner with its July report. So after almost a full year of price appreciation coming down and prices in decline, we've seen both of these indexes turn and are starting to go positive. It does show you that there continues to be demand for properties that are brought to market. And while home price appreciation certainly isn't soaring by any means, it's back in positive territory now. And that's something that a lot of people hadn't predicted this year. When the supply of homes is this low, it keeps generating a few bids for any available home.   (00:15:21) - Now, not as many bids as it did back in 2021. But besides generating bids, you have these huge population cohorts of millennials and Gen Zers that are growing, and they're in their prime homebuyer years moving through the system to go ahead and place those bids and keep just modest home price appreciation here lately. That's sort of how I see it. Rick If you want to add any color or thoughts to that, I think you're spot on. Keith It's the largest cohort of young adults between the ages of 25 and 34 in US history. That's prime age for forming a household. 33 to 34 is the average age of a first time buyer right now. And so these people would like to buy a house. And for people who are investing in single family rental properties in particular, at least short term, the affordability issue is something that definitely works in your favor. If somebody was looking to buy a house, they might prefer to rent a house rather than rent an apartment. I've read research that shows somewhere between 20 and 30% of people who had planned to buy have decided to rent for the next year or two while market conditions settle down or while they can put aside more money for a down payment.   (00:16:27) - These market conditions are playing in favor of people who have rental properties to offer. One other metric I'd like to share in terms of home prices, Keith is the FHFa puts out its own index. FHFa is the government entity that controls Fannie Mae and Freddie Mac. So these are your conventional bread and butter, vanilla kind of 30 year fixed rate loans. If you look at their portfolio, home prices are actually up 3.1% year over year. And every sector of the country is showing positive rice appreciation except for the Pacific states and the mountain states. And those are some of the markets we talked about earlier. And even those are very close to breaking even at this point. So HFA breaks it into about ten regions, nine of those ten currently appreciating year over year. Yep, something like that important for you to know again as an investor as to what's happening in your region. Again, whether you're you're planning to sell the property or rent it out. You talked about what builders are doing for your investor folks.   (00:17:28) - Yeah, we're seeing new home sales actually improving to consumers as well for a lot of the same reasons, incentives. So a lot of builders are coming to the closing table with cash. They're paying points on mortgages and getting those rates down where they're short term or long term. They're offering discounts, they're offering upgrades to properties. And so new home sales are still down, but just slightly on a year over year basis and have actually been beating last year's numbers for the last four months. My original estimate for new home sales this year was about 600,000. I think we're going to probably coming closer to 675,000 this year. And the only reason we won't sell more is because the builders aren't building that fast enough. But one of the reasons people are buying these new homes is because that's what's on the market today. People would have bought an existing home, can't find one. Here's the other factor. New home prices are down 16.4% from last year's peak. Now, this is informative. Think this would surprise a lot of people? Well, it surprises me.   (00:18:28) - It should surprise people because new home prices almost always go up, right? This does not mean builders are discounting homes 16.4%. What's happening is they are building less expensive homes, They're less expensive per square foot, and they're building smaller homes. And they're doing that in acknowledgement of the higher cost of financing. That also, by the way, is in sending people to look at these properties as either a starter home or a minor move up kind of property. But it is one of the reasons why new home sales are doing better than existing home sales right now on a percentage basis. That's an interesting number, Rick. A few weeks ago, I shared with our newsletter audience that builders are building homes smaller and closer together, which might be reflected in lower prices, but just didn't think it would be 16.4% lower from peak. Now, if you're doing year over year, it's probably not that big of a drop, but from the peak price we are off. And it is to your point, it's a pretty significant number.   (00:19:26) - It would be a problematic number if it was the existing home market, right, because then you'd be looking at the same property being worth 16% less. But a builder can kind of play with those numbers a little bit. Single family housing starts after falling for quite a while, are now back going back up only slightly from where they were a year ago, but they are moving in the right direction. Multifamily starts have actually tailed off a little bit after reaching record high numbers. There could be as many as a million apartment units coming to market this year. Yeah, which would be an all time record. So we've seen building on those multifamily units slow down a little bit. If you look at at new home starts for single family properties still below where they were a year ago. But again, for the first time in quite a few months, starting to trend up. A couple of things to share with your viewers here, Keith. In terms of construction, we're seeing construction continue to grow in the multifamily market because of all the starts we saw previously.   (00:20:23) - We are seeing single family construction slowed down, but that's because the builders are working their way through a glut of homes that was under construction. So we had a really weird happenstance about a year ago, a little over year, we had the highest number of homes under construction ever. And this data goes back to the early 1970s, and we had the lowest number of completed properties available for sale ever. And a lot of that was due to supply chain delays and to labor shortages. And over the last year to 15 months, the builders have gradually begun working through this glut of homes that were started but not finished. And we've seen the number of completed homes go up a little bit, almost back to normal levels, not quite there. One of the reasons they're not quite there is people are buying these homes before they're completed. They're working with the builder. Buying a home is it's almost ready to go, but still under construction. What's been encouraging, looking into the future is that permitting has increased a bit over the last two quarters.   (00:21:24) - We know builders are betting on the future. They're not necessarily breaking ground on all these properties they have permits for because they don't want to oversaturate either. And they're being very judicious with their building because they got caught with a ton of inventory during the Great Recession that they wound up selling at fire sale prices. But the trends are long term, looking like they're going in the right direction right now for new homes. So to help the viewer and listeners chronologically, we're talking about housing permits followed by housing starts. And then finally, housing construction. Right? Permits are up, starts are up recently, but down year over year. And the construction numbers are getting back close to normal levels. And we need the builders to build more because even before the rate lock effect took effect and existing home inventory got so scarce we didn't have enough housing in the works, we were depending on whose numbers you believe, somewhere between 2 and 6 million units short. We need the builders to come back to market. Note for your folks.   (00:22:28) - Keith Investors continue to account for a fairly significant amount of activity in the residential market. Over a quarter of home purchases 26% in June, which is the most recent data we have, were made by investors and believe this number actually under reports the number of investor purchases because it's from a company called CoreLogic, it's accurate data for what they count, but they only count investor purchases where the buying entity has an LLC and LP Corp kind of entity. And we know that a lot of buyers don't do that who are investors. So it probably understates it. But the fact of the matter is that historically speaking, 26% of residential purchases being done by investors is pretty high number. That's a pretty high number and as you alluded to, is probably actually higher than 26% of home purchases being made by investors. And so the headlines will breathlessly tell you that Main Street is being gobbled up by Wall Street. Oh, I know. And those institutional investors are evil people. They're buying everything that the truth is is completely the opposite.   (00:23:31) - If you look at investors who are buying properties, it's really the small investors who are buying about 46% of those investor purchases and medium sized investors about 35%. If you're looking at the biggest of the big investors, they're buying less than 10% of what's going out today. And they still own collectively about 3% of the single family rental stock. It's the mom and pop investor who continues to drive the market. Yeah, I'm glad you bring this up, Rick, because there seems to be this outsized perception that institutional money through someone like, say, in Invitation homes is just gobbling up all the good investor homes. And and they're really not. It's mom and pop investors that rule. In fact, there's some legislation pending in D.C. right now that's aimed to keep these institutional investors from doing what they're already not doing and have some tax penalties for anybody who owns. Here's the number that's important. More than 50 properties well, Invitation Homes owns significantly more than 50 properties. I know a lot of medium sized investors who own more than 50 properties.   (00:24:36) - Yeah, they're certainly not institutional investors. They certainly don't have a hedge fund behind them. Important again, for folks in this market to be in touch with their legislators and let them know what's really going on in the marketplace so we don't get this kind of bad legislation. It makes it tough for the average investor to really take full advantage of the opportunities that are out there. 100%. Mom and pop investors might need more than 50 units to obtain financial freedom. Yep. Just to wrap up, Keith, a couple of points on delinquencies and foreclosures. I know a lot of investors got into the business, you know, a decade or so ago and there was just a rash of foreclosure activity and you could buy a distressed property by just walking down the street and knocking on doors. It's a little different these days because of that strong economy we talked about earlier. In that low unemployment rate. Mortgage delinquencies are at an all time low. Mortgage Bankers Association reported that the midpoint of this year, at the end of the second quarter, the total delinquency rate was 3.37%.   (00:25:36) - To put that in context, historically the number is somewhere between 4 and 5%. So not only are we not seeing a lot of delinquencies, we're seeing less than we would see normally as seriously delinquent loans. The ones that are 90 days plus past due is as low as we've seen it in probably the last 6 or 7 years. That's really interesting. So not very many homeowners are in trouble with making their payments, which to some people might seem like a conflict with what we described back in the earlier part of the chat about low savings and higher credit card debt. So many of these homeowners are locked in to these really low payments where they got low mortgage interest rates. Plus inflation cannot touch those fixed rate payments. And that's an important point for those people that are in these homes. It would be more expensive for them to go rent right now, probably because they got such a good deal on the mortgage rate. There's usually a pretty strong correlation between unemployment rates and mortgage delinquency rates. So I mentioned that the most recent report had unemployment at 3.8%.   (00:26:37) - I think at the end of June it was a 3.5%. So we might see delinquency rates tick up a little bit. There was also some really bad social media memeing going on during the government's mortgage forbearance program. There was even an economist who predicted that almost everybody who got a forbearance was going to go into default and that would have been a catastrophe. If you look back a little over a year ago, actually more like two years ago when there was there were a lot of people in forbearance. You saw delinquency rates very high, but that was because people were allowed to miss payments. They were just being counted by the industry as delinquent. The fact is that less than a half of a percent, less than one half of 1% of the borrowers who were in forbearance and there were 8.5 million of them have defaulted on their loans. The overwhelming majority have done very, very well with that program. So it really didn't contribute to any kind of delinquency or default activity. So strong economy, extremely high, low quality because lenders really haven't been making many risky loans since the Great Recession.   (00:27:40) - The record amount of of homeowner equity that's out there. Yeah. Is keeping this market pretty solid to the point where foreclosure activity today is still running at a little bit less than 60% of pre-pandemic levels. So in a normal market, about 1 to 1.5% of loans are in some state of foreclosure. In today's market, it's about a half a percent. So we're just not seeing much go into foreclosure and the properties that go into foreclosure. The homeowners have a significant amount of equity. 92% of borrowers in foreclosure have equity in their homes, which is wildly different from where we were during the great financial crisis, when a third of all homeowners were underwater on their loans. At just about everybody in foreclosure was upside down. And people push back at me when I'm out talking at conferences about this. Keith Oh, yeah, they have equity, but they don't have enough equity to make a difference. Oh, yes, they do. 88% of the borrowers in foreclosure have more than 20% equity. That's typically the magic number that a realtor will tell you you need in order to sell your property and avoid any other kind of complications with one of these foreclosures, preventing any sort of fire sale and lowering of prices that makes all home prices go down in a neighborhood where not anywhere near that.   (00:28:57) - No, not at all. And in fact, some other data that I'll share with you and your listeners is that about 62% of the distressed property sales we see right now are properties in the early stage of foreclosure prior to the foreclosure auction, which means these distressed homeowners are protecting their equity by selling the property before it gets sold at a foreclosure sale. And so they're protecting the vast amount of this equity. But if you're an investor in today's market, there's some really important information in what I just gave you. You can't wait for the bank repossession. In this cycle, bank repossessions are running 70% below where they were prior to the pandemic, so there's fewer properties getting to auction because 67% of these distressed property sales are prior to the auction. Properties that get to auction are selling through at about 60% rate. So there's nothing going back to the lenders. So if you want to buy a property in some stage of foreclosure, your best bet in today's market is to get a list of people in the early stages of foreclosure and reach out directly to them.   (00:30:01) - Your second best bet is to get to that foreclosure auction. Be ready to move at the auction, and your worst bet is to wait for the lender to repossess the property. And in fact, I've seen anecdotal data that suggests that those properties are actually more expensive than the ones you could buy from the homeowner or at the auction because the lenders are fixing them up and selling them at full market price. Good guidance for those chasing distressed properties. So that's what's going on in the foreclosure market. I don't see foreclosure activity being back to normal levels until sometime next year. And I don't see activity bank repossessions being back to normal levels even next year. It's a very different marketplace. This is what I was just talking about. Keith If you were to break up what selling and what stage of the foreclosure process right now, about 64% of distressed sales are taking place prior to the foreclosure auction and less than 20%. Distressed sales today are those background properties. So it's a very different world than what a lot of investors grew up in.   (00:31:03) - Rick is about to share his summary with us, his closing thoughts. Before he does that, I've got two questions for you, Rick. I hear some people out there, it seems to be oftentimes the real estate agent type, maybe that's trying to be a big cheerleader for the market. And I hear a few of them say something like, hey, you know what? You better buy now, because when mortgage rates fall, home prices are really going to shoot through the roof. I don't really know that that necessarily happens because when mortgage rates fall, okay, that might increase demand of capable homebuyers, but it should also increase supply. Now, the mortgage rate lock in effect, goes away and more people will want to bring supply onto the market. And I also like to think about what happens when rates are falling. Typically, that means the economy needs help and unemployment might be a little higher. So my thoughts, Rick, are if mortgage rates do fall substantially, that might help home price appreciation a little bit, but I don't see it as any sure thing that that would make home prices go through the roof.   (00:32:00) - What are your thoughts? It's a great question. You make a very logical argument. A lot of it comes down to supply. And that's where I would hedge my bets. I don't think we see a ton of supply come back to market until rates are back in the low fives. So there's a point and a half of interest going from little over seven to maybe 5.5%, where we're probably going to see more buyers come to market than we're going to see inventory come to the market. My other thought we touched on it earlier is with rents. Talk to me about the future direction of rents. They were horribly hot a year or two ago, up 15% year over year. Rents have moderated substantially. But with this really lousy home affordability and a high homeownership rate, it seems like with this low affordability, we're set up for the homeownership rate to go lower in the proportion that rent go higher, which could put upward pressure on rents over time here. What are your thoughts with rents? Yeah, offsetting what you just said is a record number of apartment units coming to market this year.   (00:33:03) - There are likely to be some markets across the country that wind up oversupplied because of the amount of inventory coming to market. Now, don't get me wrong, the inventory coming to market is going to tend to be expensive inventory. And so that in and of itself could make rent prices come up a bit. I do believe in the short term I would tend to agree with you that the lack of housing stock available for people who would like to buy is going to play in the benefit of the folks who own properties to rent. And that will, I believe, be particularly true for people that own single family residential units that are like houses to rent. I guess we're going to split the difference on these two questions. I'm going to mostly agree with you on the second one. I do believe there's a chance prices will go up a little bit more than you think as mortgage rates come down until we get down to about 5.5%, mortgage rates are lower when we see more of that inventory coming to market. And what is the real wild card in all of this, of course, is what happens with the overall economy.   (00:34:03) - Do we enter a recession? Does unemployment spike? If that's the case, that should weaken, demand a bit and you could have a little bit of an uptick in foreclosures, which will weaken the market as well. So a lot of different components at play. And I think what people ask you questions like that, Keith, about, you know, mortgage rates come down, is this going to happen? They kind of oversimplify the equation quite a bit. There are a lot of other variables that go into it. 100%. Why don't you go ahead and share your closing thoughts with us? A lot of stuff we covered, so I won't dwell on too much of this very long. But from my perspective, a recession is still a real possibility. Probably not until next year if we have one. And if we do, it's likely to be pretty mild and fairly short and we shouldn't see a huge, huge spike in unemployment. I do believe that as the Fed decides it's done raising the Fed funds rate and announces that we'll see mortgage rates gradually decline back toward 6% by the end of this year.   (00:34:57) - And we'll be back in the fives next year. And by the way, historically, every time the Fed has stopped raising the Fed funds rate, we have seen mortgage rates come back down. Existing home sales right now are on pace for their lowest number since 2009. Likely, we're going to see somewhere in the neighborhood of 4.2 million existing home sales. But we're likely to see more new home sales than a lot of people had forecast beginning of this year, maybe 650, 675,000 of those sales in 2023. And we've seen prices decline in the new home market, but they might have bottomed out in the existing home market because of the supply and demand thing that Keith and I have kind of beaten to death during this podcast. Again, importantly for this audience, investors continue to account for a very large percentage of residential purchases and a lot of you seem to be shifting toward buy and hold strategies, which again makes ultimately good sense in a market like today's. And then that anticipated wave of foreclosures that all those folks on YouTube were trying to sell you courses to figure out how to maximize never materialized.   (00:35:57) - And at least during this cycle, not likely to any time soon. Probably won't. Yes, A lot of people a couple of years ago, especially on YouTube, were talking about a certain price collapse is coming and it never happened. And I never saw how it would have happened and I never made those sort of dire predictions. Well, Rick, this was a great chat about the overall economy, the housing market and what investors need with the housing market. I'm sure our audience learned an awful lot. It was a terrific update. If our audience wants to learn more about you and kind of wish this chat would just go on and they could learn more about you and engage with your resources. What's the best way for them to do that? Well, you can certainly follow me on social media. I refuse to say my Twitter handle is just Rick Saga. I'm on LinkedIn to hard to find there. You can also check out my website which is Patrick. Com. Enjoy doing these conversations with you Keith.   (00:36:51) - Think the first time we talked you reached out because I had come down like the wrath of God on somebody who was predicting a housing price crash because I didn't see one coming either and thought he was doing investors a disservice. So keep the faith and keep the good fight going. Keith And I'll be here whenever you want to talk. Jerry Listeners can't stop talking about their service from Ridge Lending Group and MLS 42056. They have provided our tribe with more loans than anyone there truly a top lender for beginners and veterans. It's where I go to get my own loans for single family rental property up to four Plex's. So start your pre-qualification and you can chat with President Charlie Ridge personally, though, even deliver your custom plan for growing your real estate portfolio. Start at Ridge Lending Group. Com. You know, I'll just tell you for the most passive part of my real estate investing personally, I put my own dollars with freedom family investments because their funds pay me a stream of regular cash flow in. Returns are better than a bank savings account up to 12%.   (00:38:00) - Their minimums are as low as 25. K. You don't even need to be accredited. For some of them, it's all backed by real estate and I kind of love how the tax benefit of doing this can offset capital gains in your W-2, jobs, income. And they've always given me exactly their stated return paid on time. So it's steady income, no surprises while I'm sleeping or just doing the things I love. For a little insider tip, I've invested in their power fund to get going on that text family to 668660. And this isn't a solicitation If you want to invest where I do, just go ahead and text family to six six, eight six, six. Hi, this is Russell Gray, co-host of the Real Estate Guy's radio show. And you're listening to Get Rich Education with Keith Reinhold. Don't Quit Your Day dream. Yeah, terrific insight from Rick, as usual. It's remarkable how much this interview is aligned with what we're doing here. As Rick discussed how, though, it's a tough environment for homebuyers, it's better for investors, especially for single family rentals and especially in the Midwest and South are core areas.   (00:39:23) - It's a better market for the buy and hold investor than it is for flippers. It's a tough chase for flippers. Sometimes you don't flip the house, the house flips you. There are still so few homeowners in delinquency and foreclosure. Rick believes that when lower mortgage rates come, home, prices could appreciate more than I tend to think. We'll see how that turns out. And, you know, historically here, as we talk about the direction of home prices and the direction of rent growth Now with respect to home prices, when I provided you with the home price appreciation forecast, I keep somewhat undershooting. The market appreciation tends to outperform what I think by just a bit. Back in 2018, 2019, home price appreciation rates, they were just kind of bumping along at 4 or 5%. Back then, interest rates were super low, housing supply was more balanced. And I said right here on this show then about five years ago, that I don't see what will make home price growth like really accelerate or shoot up from here.   (00:40:32) - Well, then we had the pandemic, something that no one saw coming when the pandemic fog cleared. You remember that all here on the show in late 2021, I forecast 9 to 10% home price appreciation for the coming year, which back then I was talking about 2022. And then that appreciation rate for 2022 came in at 10.2%. Although I was close, I shot just a touch low. Now at the end of 2022, well, about nine months ago, I predicted zero home price appreciation for this year. As we near the fourth quarter, it looks like we'll get low single digit appreciation, but that remains to be seen. However, I've long been undershooting the market just a bit, though. Close and mortgage rates. No, don't even ask me. I don't try I don't make mortgage forecast. That is too hard to do. Making a mortgage rate prediction is almost like a certain way to be wrong. Although Rick and I talked about how this is a good market for investors, to my point from last week, in some markets, cash flow has become an endangered species with some of these increasing expenses for investors.   (00:41:46) - And again, I have some really good news for you here. We have largely solved that problem here at Gray of higher mortgage rates, hurting your cash flow. And that's why investors like you are still snapping up rental properties from Marketplace right now because of the strength of our marketplace network and relationships. Here we have a new build provider offering a mortgage rate to investors of 5.75%. Yes, they will see that your rate is bought down to 5.75%. In today's environment, another new build investment property provider is offering a rate buy down to 4.75%. Yes, you heard THAtrillionIGHT? And we have another builder provider where our investment coaches have been sharing with you a 2.99% seller financing option. There is more to it than that. And these builders, though they are in business to move property. So take advantage of it where you can. And besides buying down your mortgage rate for you like that, some are even waiving their property management fee for you for the first year. In addition to buying down the rate. I don't know how long all that's going to last, so this can be a really good time for you to contact your in investment coach.   (00:43:06) - Your coach will help you shop the marketplace properties, tell you where the real deals are and tell you how to get those improbably low mortgage rates for income properties. Today, your coach guides you and makes it easy for you If you don't have an investment coach yet, just go to Marketplace. Com slash coach and they're there to help you out. And marketplace properties they are often less expensive than elsewhere in addition to the low rates from some of the providers. But now you might wonder why often are the prices not always, but often, why are they lower? Well, first of all, investor advantage markets just intrinsically have lower prices than the national median. And secondly, there is no real estate agent to compensate with the traditional 6% commission, you are buying more directly. Thirdly, these property providers, they are not. And pop flippers that provide investors like you and other people where they just flip like one home a year instead. These are builders and renovation and management companies in business to do this at scale so they get to buy their materials in bulk, keeping the price lower for you.   (00:44:20) - And another reason that you tend to find good deals at Marketplace is that you aren't buying properties from owner occupants where their emotions get involved and they get irrational over there on the seller side. So you can go ahead and get started with off market deals at GRI, marketplace.com. If you'd like the free coaching from our investment coaches, then contact your coach. And if you don't have one yet again you can do that straight at GRI marketplace.com/coach that's an action item for you this week that your future self should thank you for until next week. I'm your host Keith Winfield. Don't quit your day dream.   (00:45:04) - 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.   (00:45:32) - The preceding program was brought to you by your home for wealth building get rich education.

A riveting exposé of medical debt collection in America -- and the profound financial and physical costs eroding patient trust in medicine For the crime of falling sick without wealth, Americans today face lawsuits, wage garnishment, home foreclosure, and even jail time. Yet who really profits from aggressive medical debt collection? And how does this predatory system affect patients and doctors responsible for their care?  Your Money Or Your Life: Debt Collection in American Medicine (Oxford UP, 2023) reveals how medical debt collection became a multibillion-dollar industry and how everyday Americans are made to pay the price. Emergency physician and historian Luke Messac weaves patient stories into a history of law, finance, and medicine to show how debt and debt collection are destroying the foundational trust between doctors and patients at the heart of American healthcare. The fight to stop aggressive collection tactics has brought together people from all corners of the political spectrum. But if we want to better protect the sick from financial ruin, we have to understand how we got here. With wit and clarity, Your Money or Your Life asks us all to rethink the purpose of our modern healthcare system and consider whom it truly serves. Stephen Pimpare is a Senior Fellow at the Carsey School of Public Policy at the University of New Hampshire. 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

A riveting exposé of medical debt collection in America -- and the profound financial and physical costs eroding patient trust in medicine For the crime of falling sick without wealth, Americans today face lawsuits, wage garnishment, home foreclosure, and even jail time. Yet who really profits from aggressive medical debt collection? And how does this predatory system affect patients and doctors responsible for their care?  Your Money Or Your Life: Debt Collection in American Medicine (Oxford UP, 2023) reveals how medical debt collection became a multibillion-dollar industry and how everyday Americans are made to pay the price. Emergency physician and historian Luke Messac weaves patient stories into a history of law, finance, and medicine to show how debt and debt collection are destroying the foundational trust between doctors and patients at the heart of American healthcare. The fight to stop aggressive collection tactics has brought together people from all corners of the political spectrum. But if we want to better protect the sick from financial ruin, we have to understand how we got here. With wit and clarity, Your Money or Your Life asks us all to rethink the purpose of our modern healthcare system and consider whom it truly serves. Stephen Pimpare is a Senior Fellow at the Carsey School of Public Policy at the University of New Hampshire. Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://newbooksnetwork.supportingcast.fm/american-studies

Today we will conduct a walk-through of every believer's ultimate destination—the capital city of the eternal state, called New Jerusalem. Unlike New York, New Jersey, New Hampshire, or New Mexico, this future place will have the most unique environment ever. I will touch on seven highlights of this future cityscape that make heaven the world's most interesting destination.

We had the pleasure of interviewing Gozu over Zoom video!It only takes a few seconds exposure to the rolling riffs of opening track “Tom Cruise Control” to be reminded that this is Gozu's world, we're just living in it. Given that it has been five years since the Boston quartet dropped the monstrous Equilibrium, returning with Remedy is one hell of a way to make sure that everyone - whether previously familiar with them or otherwise - realizes that they are perhaps the most badass of American rock bands, for they have taken everything to the next level.The result is nine tracks of their signature combination of fuzzy 70s inspired riffs, rich, catchy, grunge-esque vocal melodies and a touch of old school trippy psychedelia written and played with the utmost passion and enthusiasm, eclipsing everything else in their catalog. One element that gave the band a kick in the pants going into Remedy was drummer Seth Botos joining Gaffney, guitarist Doug Sherman, and bassist Joe Grotto. Auditioning drummers ate up some of the time elapsed between records but like for so many bands the biggest obstacle was Covid, which slowed down the whole process. With Gaffney and Sherman writing, recording and emailing each other tunes they slowly worked on Remedy, and this certainly was not to the record's detriment, given how the finished product turned out. As well as having nothing but praise for Botos, Gaffney is thrilled with the work of his other bandmates.With a title that has many meanings but is “strong, hits a spot emotionally and is true”, lyrically Gaffney wrote very honest songs that deal with things everyone has most likely dealt with. However, those that made it onto the record could have been very different, having all of them written and then prior to tracking feeling the compulsive urge to rewrite them. Those that made the cut are stories of humanity, things the vocalist has witnessed or heard from the mouths of others.Recording with the honorary fifth member of Gozu, producer/engineer Dean Baltulonis (Death Ray Vision, The Hope Conspiracy) at Wild Arctic studios in Portsmouth, New Hampshire, sessions were unlike any that the band had previously experienced. Botos laid his drums down in just a day and a half, taking all suggestions his bandmates had and putting his signature spin on them, echoing the fact that they were all invested in the process more than ever before.The band obviously hopes to tour the record after so long off the road, and they would love the opportunity to share the stage with bands they admire. We want to hear from you! Please email Hello@BringinitBackwards.comwww.BringinitBackwards.com#podcast #interview #bringinbackpod #Gozu #Remedy #NewMusic #ZoomListen & Subscribe to BiBhttps://www.bringinitbackwards.com/followFollow our podcast on Instagram and Twitter!https://www.facebook.com/groups/bringinbackpodThis show is part of the Spreaker Prime Network, if you are interested in advertising on this podcast, contact us at https://www.spreaker.com/show/4972373/advertisement

A riveting exposé of medical debt collection in America -- and the profound financial and physical costs eroding patient trust in medicine For the crime of falling sick without wealth, Americans today face lawsuits, wage garnishment, home foreclosure, and even jail time. Yet who really profits from aggressive medical debt collection? And how does this predatory system affect patients and doctors responsible for their care?  Your Money Or Your Life: Debt Collection in American Medicine (Oxford UP, 2023) reveals how medical debt collection became a multibillion-dollar industry and how everyday Americans are made to pay the price. Emergency physician and historian Luke Messac weaves patient stories into a history of law, finance, and medicine to show how debt and debt collection are destroying the foundational trust between doctors and patients at the heart of American healthcare. The fight to stop aggressive collection tactics has brought together people from all corners of the political spectrum. But if we want to better protect the sick from financial ruin, we have to understand how we got here. With wit and clarity, Your Money or Your Life asks us all to rethink the purpose of our modern healthcare system and consider whom it truly serves. Stephen Pimpare is a Senior Fellow at the Carsey School of Public Policy at the University of New Hampshire. Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://newbooksnetwork.supportingcast.fm/medicine

En 1961, la pareja Betty y Barney Hill aseguraron haber sido secuestrados por extraterrestres mientras viajaban por New Hampshire. Relataron que fueron abordados por un platillo volante y llevados a bordo, donde fueron sometidos a exámenes médicos antes de ser devueltos. El incidente atrajo atención mundial y ayudó a popularizar el fenómeno OVNI. Los Hill fueron sometidos a hipnosis regresiva y sus relatos, aunque controversiales, impulsaron la creencia en vida extraterrestre. El caso sigue siendo uno de los más famosos en la historia de los avistamientos OVNI. Y además: Novedades del caso Ustica, con Iván Castro Gobekli Tepe, con Fran Contreras Escucha el episodio completo en la app de iVoox, o descubre todo el catálogo de iVoox Originals

Former President Trump continues to hold a big lead over his GOP rivals. He currently leads in both national polls and in key states like New Hampshire, which is an early-voting state and historically has had a good track record selecting the next United States President.  However, the Granite State's governor does not believe the race in New Hampshire or for the Republican nomination is over.  On the Rundown earlier this week, New Hampshire Governor Chris Sununu (R-NH) explained to the Rundown's why he thinks there is plenty of time for President Trump's opponents to catch up. He laid out how they can do so and discussed scenarios where the former President loses.  Sununu also shared why his state is proud of its first-in-the-nation primary tradition, and why he thinks gerrymandering contributed to the polarization of political parties in the country. We made edits for time and thought you might like to hear our entire conversation with FOX News Sunday Anchor Shannon Bream. On today's FOX News Rundown Extra, you'll hear even more from the outspoken governor and get more of his insights on how politics is broken, but also why he is optimistic about the country's future.  Learn more about your ad choices. Visit megaphone.fm/adchoices

Former President Trump continues to hold a big lead over his GOP rivals. He currently leads in both national polls and in key states like New Hampshire, which is an early-voting state and historically has had a good track record selecting the next United States President.  However, the Granite State's governor does not believe the race in New Hampshire or for the Republican nomination is over.  On the Rundown earlier this week, New Hampshire Governor Chris Sununu (R-NH) explained to the Rundown's why he thinks there is plenty of time for President Trump's opponents to catch up. He laid out how they can do so and discussed scenarios where the former President loses.  Sununu also shared why his state is proud of its first-in-the-nation primary tradition, and why he thinks gerrymandering contributed to the polarization of political parties in the country. We made edits for time and thought you might like to hear our entire conversation with FOX News Sunday Anchor Shannon Bream. On today's FOX News Rundown Extra, you'll hear even more from the outspoken governor and get more of his insights on how politics is broken, but also why he is optimistic about the country's future.  Learn more about your ad choices. Visit megaphone.fm/adchoices

Emotions And The"Why?" Ep 186  Episode 186. Is it okay to talk about emotions and animals? Is it anthropomorphic to talk about emotions and animals? Where is the line, between what we see and the story that we build around what we see? And let's talk about emotions and what we observe this week.  Find all show details, including transcripts, at CreatingGreatGroomingDogs.com You can find my online classes at Whole Pet Grooming Academy WholePetNH.com For more information about my Master Groomer Behavior Specialist diploma program, go to MasterGroomerBehaviorSpecialist.com You're listening to the Creating Great Grooming Dogs show. [00:00:21] I am Chrissy Neumeier Smith. I'm a Master Groomer Behavior Specialist. I'm a Certified Professional Groomer, a Certified Behavior Consultant for Canines, a Certified Professional Dog Trainer. And I'm also the owner of Happy Critters in Nashua, New Hampshire, and an instructor at Whole Pet Grooming Academy. [00:00:38] So this week we are talking about emotions. I had an entirely different topic started off this week, but it kept circling back to feelings and emotions. And I really wanted to delve into that a little bit deeper before we get into a topic that makes some assumptions that we would be on all on the same page. [00:01:00] We're not going to be all on the same page. So I decided that I really needed to revisit this particular piece all on its own. We've talked about anthropomorphic before, , which is when we attribute human feelings and desires onto dogs or other animals without really thinking a little bit more basically, what is this animal trying to do? [00:01:21] So we as humans talk about emotions and feelings, but let me ask you this. Let's consider this. Are we always correct when we try to figure out the why of another person? Oh. Do we always understand why another person is feeling the way they're feeling? , are we good with that? Do we always get it right? [00:01:45] When we are interacting with another person using shared language, expressing thoughts and feelings, do we always get it right? Hmm, that's interesting, isn't it? do we? Another question. Are we always good at explaining the reason for our own emotions? Are we good at explaining the why of what we're feeling and how that's affecting the way that we're behaving today or yesterday or last week, right? [00:02:16] Are we good at that? This answer is going to vary from person to person. Some people will be really good at that. , others are constantly trying to work on it. And some are blissfully unaware, but here's something to consider. Ask someone close to you. Ask, maybe it's a parent or a sibling or a spouse or a child. [00:02:38] Ask someone really close to you. Maybe it's your best friend. Are you good at understanding their point of view when they're trying to explain something to you? Are you good at expressing your own point of view when you're trying to explain how you feel? What you're going to find is that most of us are not great at this. [00:02:56] We're not very good at figuring out the why of emotions and expressing those emotions and figuring out why we behave the way we do. We observe behavior in the humans around us, but we don't always understand the why. So why are we talking about this? It probably seems a little off topic, doesn't it? But how does this relate to dogs? [00:03:21] Yeah, but you thought I was getting off track here. Um, the way it relates to dogs is we observe behavior. We see what the dog is doing with their body, but do we always understand why they are doing it? Do we understand the feelings, the emotions being expressed through that behavior? We see the behavior, what is observable to us, but how many of us can correctly guess why the dog is doing it? [00:03:51] It's not easy. It's not easy. And as we just discussed, even amongst other humans, when we are trying to figure out what another human feels, what another human thinks, and they're literally trying to tell us, We're not good at it, it takes a lot of understanding of humans and of dogs to be able to figure out why a behavior is happening. [00:04:16] So, maybe it's not so easy. Maybe this takes a ton of time and takes a ton of effort and we aren't used to thinking about it that way. , I will say there was a point in my career when I would have described looking at dogs and what they're doing as I have a feeling about why he's doing it. I have a feeling about why he's doing it. [00:04:38] All right. I think many of us do that. I have a feeling. But here's the thing I was watching what the dog was doing. And now that I've really been training my eye to watch what they're doing and think about what they're responding to. Now I realized that I didn't have a feeling. I was noticing things in the environment, noticing things about a dog and what they were doing and maybe making correct assumptions, right? [00:05:07] Or making assumptions and maybe they were incorrect assumptions. But that's the tricky part. We're observing body language. We're watching. We're listening. Sometimes we're smelling, right? Anal gland smell. Oh, that's a definite signal. That's not a happy moment most of the time if they spray their anal glands. [00:05:28] But you think about all of those things that we observe, but are we good at understanding why? And we're not really good at it, even with other human beings that we talk to that are literally trying to tell us. Well, the dog is literally trying to tell us also. Now I want you to think about we're viewing what the dog is doing, and we're trying to guess at why they're doing it. [00:05:55] And I want you to start thinking about gathering clues. Gathering clues about the behavior before we make assumptions about how a dog feels before we start jumping into, I think this is going on or this is going on. This dog is an individual just like we are. And we have to think about what is this dog responding to? [00:06:15] What is happening in that moment? , and what kind of emotions might this dog be having based on what is happening? Okay. Dogs have emotions. I think we can all observe a dog who is scared, a dog who is fearful, a dog who is happy. Come on. We know they have emotions. The problem comes in when we try to, make our stories around what we think that emotion is caused by. [00:06:47] That's where anthropomorphism comes in is when we're trying to say, well, he's happy , and that isn't always a bad thing. He's happy because we do need to kind of ask that question. The problem is, is if we're not on target, if we're trying to say, well, he did this because, or he did that because, then that's where the emotion part can become really kind of a blurred line. [00:07:14] , and while they have emotions. And , I think that we can all agree if you've worked with dogs, you've seen a variety of emotions we respond to different emotions differently. So there is some worry when we think a dog is, let's say, angry at us. How are we going to respond to that animal? We're probably going to be defensive, right? [00:07:40] How do we respond to other humans when we think they're angry at us? Right? Um, now if we respond to a dog thinking he seems stressed, then it becomes clearer that we are going to try to help them calm down. I'm going to give some examples here. I know I'm always giving examples and I feel like I'm spending my whole life saying I'm going to give some examples here. [00:08:04] , a human customer comes into your office and she is upset. Always understand why. Maybe we think that person is mean, that person is cranky, that person is, let's see, what other terms might we use? Some of the terms get really mean, right? But are we really good at noticing that this person is running late for something? [00:08:29] , is very, very stressed out, , is confused. Maybe they're really confused, but I do brush him. I don't understand what you're talking about. Now they're being defensive and you're being defensive and it all falls apart. Customer service stuff is also about thinking about the other side of the story, the why, why. [00:08:52] Is this customer having difficulty today? Like I said, it is not cut and dry. This is not easy for most of us to get a good read on why a behavior is happening and what emotions they are around it. So when we look at that customer, , maybe we're looking at her thinking she is really cranky. She is really mean. And is that really the motivation? Is she just a cranky person? That could be true. Okay. I think we know there are a lot of people out there who are just playing cranky, but why, why? I love people. I know a lot of groomers don't. [00:09:33] , I see those cranky people and they often become my really good customers. Cause I think about why I think about why the cranky, , what is this person responding to? And that's what we need to do with our dogs. If we see something that we interpret as an emotion, step back for a minute and instead think, what is this dog responding to? [00:09:54] And why, why is this happening? Because if we assume that a dog is angry, Or we start making big stories, that can really lead us down a path that doesn't make any sense. And next thing you know, you and the dog are in conflict of some sort when it didn't need to be. So in the next part, we are going to talk about where communication can really go wrong. [00:10:18] If you're enjoying the show, please remember to follow or subscribe or like wherever it is you are. The show is on YouTube, so you can watch it as videos. It's as a podcast, so you can just listen to the audio. And to find any of those things, go to CreatingGreatGroomingDogs. com, where you can also find full transcripts. [00:10:38] Well, since I started doing transcripts, you can find full transcripts. Um, there are a lot of other things there. There are a couple of blog posts, CreatingGreatGroomingDogs. com. When we talk about how we are figuring out what a dog wants or needs, when we're figuring out those emotions, we have some old myths in the dog world that affect us and that affects how we interpret what we see. [00:11:05] And I say we. Because it is part of our society and our culture at this point. Maybe you don't, but others around us do. And it's good for us to understand that. So what am I talking about? The long held belief that dogs are trying to take over. That dogs are trying to test their boundaries, test our limits. [00:11:27] They're trying to see if you're really in charge. That all of these behaviors could simply be changed if you were a more assertive leader. I'm not going to say that those things can't be true. All right? Perhaps some of those things are happening for some of our dogs, some of the time. But, dang it all to heck, it is so often the first thing that people jump to. [00:11:52] It's so often the first thing, yet if we think back, are most dogs trying to take over the world? No, it's a really long held myth, but it does affect the lens that we look through when we're looking at their behavior. Okay, so I'm going to give a couple of examples here. , She's trying to get me to stop, and I can't let her win. [00:12:19] Oh, we hear that a lot in grooming, don't we? Is this dog trying to win? What an interesting thought. As if this is a battle, and the dog is like, You are not allowed to do this to me. Maybe that's true. Okay, that could be true. But, what if we think first about maybe this dog is frightened? Maybe this dog is scared, maybe this dog is physically uncomfortable, and yet we're forcing because we think this dog is just being persnickety. [00:12:54] This dog is just trying to win, and I'm not putting up with it. Right? Ooh, think about that. We have to step back from some of our assumptions about why dogs do things. All right. And that's a real quote, the she's trying to, to get me to stop and I can't let her win real quote from lots and lots of different places. [00:13:16] The fact of the matter is, yes, the dog is trying to get you to stop doing something, but why? Why? Probably not because they're trying to take over the world. That's probably not it. So when we think about, , the different things that could be happening in that moment. So let's say, we have a dog that's screaming in the tub. [00:13:38] What is going on in that moment? Well, first let's ask a question. What is screaming? Hmm. All right. What is that? What does that look like? My interpretation of a dog screaming might be different than your interpretation of a dog screaming. Is this a dog that is barking? Is this a dog that does that weird little yodel thing? [00:13:59] , and then to think about why, why. What else is happening in that room? Is that a dog whose owner is at the windows, tapping at the windows, and the dog is trying to like, call out to their owner? You know, the owner who's trying to be helpful by chanting things like, chanting the dog's name and saying, sit. [00:14:20] , if you're an owner listening to this, your groomer very rarely wants your dog to sit. Telling your dog to sit is really not helpful. Yet, they all do it. So, you know, why is the dog doing it? We have to think about why, right? We can see that there's an emotion happening. But we can't interpret it well until we ask why. [00:14:43] So I want you to think about some of the things that we see. So screaming, maybe that's just a dog who's barking. Maybe that's this dog's particular bark. Maybe this dog is really excited. Um, maybe this dog is really frightened. We make up stories around that before we really take a critical eye and take a look. [00:15:03] So let's talk about some more stories because stories are fun. , And it'll help you think about, Oh, wait, what are we really seeing? What are we really seeing? That's the thing. Dogs have emotions, but are they vengeance and jealousy probably not. Let's look more about what they are responding to, especially in grooming, because dogs find grooming to be difficult because they find it unpleasant, uncomfortable, and or scary. [00:15:32] So at every turn, if it's something happening in grooming, I want you to think, is this dog finding it unpleasant? Uncomfortable and or scary because that's usually it. It's not usually, how dare you and even when it is. It's because they find it unpleasant, uncomfortable, and or scary. So our solutions are going to be to try to make the dog calm, comfortable, and cooperative. [00:15:55] I know you're sick of hearing it. That's okay. We're just going to keep saying it. So let's talk about another story. I had a customer who came to me because her dog was spending lots and lots of time in a crate while the kids were all out because she had, , a number of children in her house. Some of them were daycare kids and, he was just too, too silly around them. [00:16:17] But at night she was trying to get him enough exercise and working with them while the kids were in bed. But her biggest concern was that he was growling at the pictures of her children on the wall because he was jealous. And those are her babies. And he's jealous cause he's in a crate all day. And he stares at those pictures up on the wall and growls at them when they're sitting on the couch at night after the kids have gone to bed. [00:16:43] All right. Is that jealousy? Hmm. Yeah, probably not. And I was at her house and I'm like, he's hearing something in the wall, you know, she was so offended. I don't have anything in my wall. Like, Oh, he's hearing something in the wall. He's looking up at a point on the wall and growling. And it's a very old house. [00:17:04] And I lived in a very old house too at that time. Like, listen, there could be things in the wall. He's hearing something. There is no way on God's green earth. That your dog is looking at pictures of children and being jealous, yet that's the story she wrote about behavior that she was experiencing. The behavior that she was seeing is that he was very, very jealous. [00:17:30] , she didn't like my answer. She wanted to hold onto the idea. That he was growling at pictures of her children. Okay. We joke about things like that because it seems extreme, but that was someone's point of view. And what it really says is more about what we think is going on and what we're maybe feeling about this dog, right? [00:17:53] There's another one, , this was a story about a dog who, they left him at home for the first time all day and he was in a crate and he gone out at lunchtime back in the crate. And it was the first time they'd really left this puppy alone. And he was angry at them and got back at them by pulling that precious grandma's quilt into his cage and ripped it apart. [00:18:16] Does that sound like anger and jealousy and spite? And getting even, right? I think that the anthropomorphic part is when we start trying to make up a story about the behavior we see. That dog pulled something into the crate and chewed on it all day. Maybe this dog was stressed, maybe this dog was bored. [00:18:41] But it was probably not targeting something particularly precious. Well, he could have grabbed a different blanket, but he grabbed grandma's quilt. Probably not thinking about, well, this quilt is far more valuable to the humans around me. Right? We make up crazy stories, right? And, and we try to see from an animal's point of view. [00:19:06] Now, let me ask you this. When they got home. If they were thinking that this dog intentionally grabbed something far more precious than the other things in reach and ripped it apart because he was angry and wanted to get even, how do you suppose they interacted with that dog when they got home and they saw this all play out? [00:19:29] We can be really, really hostile when we start assuming we know why a dog did something. Let's instead think about why is this dog feeling a need to chew things while we're gone? Why? Why? What's going on? In this particular case, I think the dog was probably bored. They didn't have any toys in their form. [00:19:55] He just thought they would just take a nap all day, probably just pulled it in to chew on something. Perhaps this dog was stressed. We do know that they have emotions like fear, anxiety, stress, happiness, sadness, right? We can see all of those things, but we need to think about, really step back from our feelings about the whole story. [00:20:15] and see what they're trying to tell us. Here is another one. , I remember somebody trying to walk their dog into a grooming shop and the dog curled up in a ball, curled up in a ball, really, really tight on the floor, refusing to move. Is that a dog who is being stubborn? I refuse to go in there. [00:20:38] Right? Or is that a dog who, when they curl up in a ball, the body language of curling up in a ball is, I am afraid. I'm afraid! That's what curling up in a ball means. Curling up in a ball is I'm scared. So, how can you be scared and, and also stubborn and trying to take over the world? If a dog is frightened, we should be trying to help them be calm. [00:21:06] And then all of our problems can be looked at differently. How can I help this dog calm down? How can I help this dog feel more comfortable? But if you assume that the dog is being stubborn, what is an owner likely to do? In this case, the owner was getting more and more angry. And this dog was becoming more and more afraid. [00:21:25] It's really common. This is the cycle. So we know that animals have emotions, but we also have to think about, are we interpreting those emotions through very human eyes? And like I said, we are not good at interpreting emotions with other people, other people who are literally talking to us in a language we share, texting us. [00:21:50] Who, you know, how often do you misinterpret something is like, wow, he was really, really mean. Was she, was she, hmm, interesting. Can we see both sides? And I'll tell you what, it's a skillset and it's something that we should be thinking about. So when we talk about emotions with our dogs, we have to step back from the story that we're writing. [00:22:15] Don't write a story about it yet. And think, what is it that I'm seeing? [00:22:20] What am I seeing? And even, I want you to pause and think about this for emotions, even if a dog is angry, it's because he's uncomfortable with something. Even if a dog is being overtly aggressive toward us, because they're not comfortable, right? They feel threatened. Hmm. Wait, feeling threatened? Does feeling threatened feel comfortable? [00:22:47] No, it's not. Is it pleasant for any of us? The dog is not having a pleasant time because they feel like they feel like they're being threatened. , it doesn't mean that every dog is going to show fear as, as cowering. Some dogs show it as a big aggressive display, but usually the problems that we're seeing in dog grooming. [00:23:09] Are because the dog finds it unpleasant, uncomfortable, and or scary. And it's up to us to try to figure out what part of what's going on made them feel that way. And can we help them be, um, comfortable and cooperative? If you're enjoying the show, please remember to like subscribe, follow, go to creating great grooming, dog. [00:23:31] com. For more information about, um, where you can find the podcast, if you're used to watching and you didn't even know there was this whole back catalog of episodes, um, not all of them are on YouTube. If you prefer YouTube, you've been a long time listener and you're like, well, she's on YouTube and I can see a talking face. [00:23:49] Yes, you can. That's pretty fun to creating great grooming dogs. com for all of that.

Michael is back from Washington D.C., witnessing Congressional committee meetings and visiting with his delegation from Mississippi. “Our Congressmen are in their own ‘theater' there on the floors of Congress,” he says.  He added that Congressmen come home disappointed in not being able to accomplish what they were elected to do.  Congress will be considering a $24-Billion funding request from Ukrainian President Volodymyr Zelenskyy, when he visits Biden this week. Be prepared for World War III if we do nothing about Joe Biden! Courts ruled that New Hampshire cannot take Trump off the ballot.  People are getting angry.  Dems cannot isolate themselves from the truth about the Biden Crime Family and the poor performance of the Biden Administration.  Congress and the electorate, whether Democrat or Republican, are now lessening their hostile tones and partisanship. They are looking objectively at whether we should elect Trump or Biden, if that's our choice.  BUT, what might happen before November 2024???  Separately, a Federal Judge David Urias, a Biden appointee, blocked New Mexico Governor Michelle Grisham's gun ban.  Even Democrats are objecting to her challenge of the 2nd Amendment.  The “crazies” in charge will be removed as the door swings back the other way.  160 verified terrorists have crossed the border into the USA…more terrorists than those involved in the 9-11 assault on America!!!  The Democratic “machine” now realizes that to stop the invasions into “sanctuary cities” as seen in New York City, that they must now support a border plan. Regarding the economy…$78,000 of income a few years ago, is $74,000 today.  Meanwhile, Biden boasts he's the greatest union president ever!  He has unions from the three major auto manufacturers confronting him for relief. Let's see how that goes.  Don't forget ‘Geno's 3 D's' (Divert, Deflect, Distract).  Representative Jim Comer, House Oversight Committee, said he never spent time investigating Hunter's gun charges.  Prosecutors are charging Hunter on gun charges to ‘3-D' us from the true Biden Crime Family wrongdoings.  The lack of balance and fairness from the Justice Department and the FBI is now materially hurting this nation. How much longer will Democrats continue to defend Joe Biden?  WHY does Nancy Pelosi continue to defend Joe Biden?  Hummm.  Ethical democrats MUST step up to challenge the Biden ‘cabal'. Episode 114: Trump & Term Limits ~ Two Immediate Solutions!Originally Aired: WMXI Radio on Friday, September 15, 2023 at 7:15am CSTSpecial thanks to the following source(s) for the image(s) used in this content:https://www.pexels.com/photo/people-at-theater-713149/ Join the Conversation: https://GeneValentino.com WMXI Facebook Page: https://www.facebook.com/NewsRadio981 More WMXI Interviews: https://genevalentino.com/wmxi-interviews/ More GrassRoots TruthCast Episodes: https://genevalentino.com/grassroots-truthcast-with-gene-valentino/ More About Gene Valentino: https://genevalentino.com/about-gene-valentino/

Another month, another African coup led by the Presidential Guard, this time in Gabon. This month we talk with Jean Hakuzimana, a journalist and immigration advocate, who provides insights into why this coup occurred, the challenges that face Gabon, and what this means for the wider region. On August 30th, hours after the election results gave a large win to President Bongo for a third term, the Presidential Guard came on national TV and announced the cancellation of the election results, closure of the border, and that the government was now under the control of the military. Listing several factors such as a fraudulent election, a deteriorating security situation, and constitutional violations, they indicated that they were forced to take this action for the protection of the country and its citizens.Listen today to explore the reasons why these explanations do not hold water and how this recent coup fits into the wider regional trends. Jean provides unique insights, having lived and worked in these countries, which allows you to better understand the importance of this region. Just because the media moves on quickly from this crisis, it does not mean it lacks in importance or the West should not try and understand the trendlines that these coups have stemmed from. Jean Hakuzimana has over 12 years of experience in community development strategy design, communication, advocacy, and media,. He is the founder and Director of #NHSONGA (NH Moves) and a deputy editor at Amjambo Africa, a newspaper that covers a wide range of news of immigrants and host communities in Maine. He also host the Amjambo Time podcast at WMPG, a community radio station affiliated with the University of Southern Maine, where he brings new Mainers' voices on air and discusses various topics of interest and relevance to them.Jean graduated in community development policy and practice from the Carsey School of Public Policy at the University of New Hampshire, and has an undergraduate degree in journalism from the University of Rwanda. He has worked with the United Nations, European Union funded programs, regional organizations, diplomatic, governmental, and non-profit entities in Africa and USA, focusing on issues such as refugee resettlement, social determinants of health, environment , agriculture, biodiversity, governance, and inclusive finance. He is passionate about using his communication, journalism, and advocacy skills to amplify the voices and stories of marginalized and underrepresented communities, and to promote social justice and positive change.

My guest is Charles E. Guadet II. He is the author of “The Predictable Profits Playbook: The Entrepreneur's Guide to Dominating Any Market and Staying on Top“ and host of The Beyond 7-Figures Podcast. He's been an entrepreneur since the age of 4, created his first multi-million dollar business at 24, and has helped many others earn their spot on the Inc 5000 Fastest Growing Companies while generating millions with his strategies. He's received numerous awards and recognition (including founding a company named as “One of the Best Seed Stage Companies” by Ernst & Young) and has had his business advice featured around in the world – including Inc., Forbes, and Fox Business, as well as on podcasts and radio. He was named one of American Geniuses Top 50 Industry Influencers. He's training in Brazilian Jiu-Jitsu (two gold medal finishes) and is 3-time wrestling state champion. He lives in New Hampshire with his beautiful wife, three adorable kid-preneurs and one badass dog. Linkedin: https://www.linkedin.com/in/charlesgaudet/ For more episodes and information, visit us at https://www.digitalnicheagency.com/media Apple Podcasts: https://podcasts.apple.com/us/podcast... Spotify: https://open.spotify.com/show/4zS5V79... Stitcher: https://www.stitcher.com/s?fid=524781... Follow Digital Niche Agency on Socials for Up To Date Marketing Expertise and Insights Facebook: https://www.facebook.com/digitalniche... Linkedin: https://www.linkedin.com/company/digi... Instagram: DNA - Digital Niche Agency @digitalnicheagency • Instagram photos and videos. Twitter: https://twitter.com/DNAgency_CA YouTube: https://www.youtube.com/channel/UCDlz…

Zachary Parolin's book Poverty in the Pandemic: Policy Lessons from COVID-19 (Russell Sage Foundation, 2023) is interested in poverty during the COVID-19 pandemic in the U.S., as well as what the pandemic teaches us about how to think about poverty, and policies designed to reduce it, well after the pandemic subsides. Four main questions guide the book's focus. First, how did poverty influence the consequences of the COVID-19 pandemic? Second, what was the role of government income support in reducing poverty during the pandemic? Third, what lessons does the COVID-19 pandemic offer for the way we measure and conceptualize poverty in the U.S.? And fourth, what policy lessons should we take from the pandemic for efforts to improve the economic well-being of households in the future? In answering these four questions, this book not only provides a comprehensive, descriptive portrait of policy and poverty outcomes during the pandemic but also identifies policy takeaways for improving economic opportunity beyond it. Stephen Pimpare is a Senior Fellow at the Carsey School of Public Policy at the University of New Hampshire. 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

Episode 121 - Welcome Keith Gentili - Acadia National Park    https://slasrpodcast.com/     SLASRPodcast@gmail.com    Welcome to the Sounds Like a Search and Rescue Podcast! Also known as SLASR. Join an experienced search and rescue volunteer and his friend as they discuss all things related to hiking and search and rescue in the White Mountains of New Hampshire. This week, we welcome back our friend Keith Gentili. Keith is the author of  White Mountains State - A Four Year Journey Hiking and Summiting New Hampshire's 48 Highest Peaks. Keith has graciously agreed to come back so we can do a deeper dive into Acadia National Park. Planning a trip up to Bah Harrr-ba and Acadia for the fall? Keith will give us the rundown on the trails to hike, and all the sites to see. In addition to Acadia - we have a gear list review for a 4 night backpacking trip out west, More details emerge on South Baldface fatality, Reach the Beach has a new route through Na Hampsha, there is an active cave rescue in Turkey, and recent search and rescue news on Mount Cabot, Jewell Trail and Arethusa Falls.   This weeks Higher Summit Forecast   Keith Gentili's Info Personal Website New Boston Beacon Buy White Mountains State  Window Cling Order Form https://docs.google.com/forms/d/e/1FAIpQLScAWSpyB3_6IbQF84DaSkJ1KdlUzQkY6DDNM2S-8axYK98NyQ/viewform    Topics Higher Summits Forecast Keith and Mike bring sports talk radio to the show, Stomp is not amused.  Flags on the 48  Update on the fatality on South Baldface Cave Rescue Reach the Beach Reroute Guy gets is GMC Truck stuck on a 14,000 foot mountain in Colorado The Trek - internet resource for Thru Hikers Pop culture - Jimmy Buffett, One Chip Challenge Beer Talk - Treehouse Brewery in Charlton, MA SAR Training and Notable Hikes Guest of the Week - Keith talks about Acadia National Park Recent Search and Rescue News    Show Notes Apple Podcast link for 5 star reviews SLASR Merchandise SLASR LinkTree Jen's Friends Climb Against Cancer Fundraiser  Reminder - Taylor James Steeves Summit Challenge starts on September 15th All peaks confirmed More Details on the case of 17 year old who died on South Baldface Active Cave Rescue of American stuck 1000 meters below the surface Reach the Beach - Reroute Course  GMC Canyon PickUp truck stuck at 14,000 feet in Colorado An interesting resource for through-hikers Park Founder - George Dorr Acadia - Plan your Visit  Bear-cam saves lost hiker Injured hiker -  Jewell Trail Injured hiker Bunnell Notch trail Injured hiker Arethusa Falls   Sponsors and Partners Mount Washington Higher Summits Forecast Vaucluse - Sweat less. Explore more. – Vaucluse Gear Alzheimer's Association - 48 Peaks Seek The Peak Website   

Welcome to the NH 2A Podcast where we discuss anything related to the Second Amendment including firearms, gear, and current events. Hosted by Jared and Jacob in the free state of New Hampshire. In this episode, we are joined by the command staff of the New England Minutemen. NEMM is a New England based volunteer militia. Highlighted topics include the murky past of NEMM, how they overcame the media firestorm, and where the group has evolved today. Be proficient, politically active, and polite. *** Any information contained in this podcast should not be considered to be legal advice ***Support the showLinktree: https://linktr.ee/nh2aPatreon: https://www.patreon.com/nh2apodcastInstagram: https://www.instagram.com/nh_2a_/Facebook: https://www.facebook.com/NH-2A-112290513643619

Another big bombshell in a political cycle that has already seen many. A grand jury in Delaware returned an indictment against Hunter Biden on three counts connected to making a false statement about drug use during a firearm purchase. The historic indictment comes as part of a broader investigation led by special counsel David Weiss into foreign income and potential tax offenses by Hunter Biden. FOX News Sunday Anchor Shannon Bream breaks down the indictment and how it could impact Hunter's father President Joe Biden politically. Bream also weighs in on the impeachment inquiry into the President launched by the House earlier this week. Former President Trump continues to hold a big polling lead over the GOP field both nationally and in key states. That includes New Hampshire, which historically has had a good track record selecting the next United States President. However the Granite State's governor does not believe the race in New Hampshire or for the Republican nomination is over. On the Rundown, New Hampshire Governor Chris Sununu (R-NH) explains why he thinks there is plenty of time for President Trump's opponents to catch up and how they can do so. He also shares why his state its first-in-the-nation primary tradition, and why he thinks gerrymandering contributed to polarization of political parties in the country. Plus, commentary by orthodox rabbi, author, and lawyer Sam Bregman as Jews around the world celebrate the Jewish New Year of Rosh Hashanah. Learn more about your ad choices. Visit megaphone.fm/adchoices

The first Breaking Points Focus Group special in New Hampshire with GOP Primary Voters on a host of issues with moderator James Johnson from J.L. Partners. To become a Breaking Points Premium Member and watch/listen to the show uncut and 1 hour early visit: https://breakingpoints.supercast.com/ Merch Store: https://shop.breakingpoints.com/ Learn more about your ad choices. Visit megaphone.fm/adchoices

Another big bombshell in a political cycle that has already seen many. A grand jury in Delaware returned an indictment against Hunter Biden on three counts connected to making a false statement about drug use during a firearm purchase. The historic indictment comes as part of a broader investigation led by special counsel David Weiss into foreign income and potential tax offenses by Hunter Biden. FOX News Sunday Anchor Shannon Bream breaks down the indictment and how it could impact Hunter's father President Joe Biden politically. Bream also weighs in on the impeachment inquiry into the President launched by the House earlier this week. Former President Trump continues to hold a big polling lead over the GOP field both nationally and in key states. That includes New Hampshire, which historically has had a good track record selecting the next United States President. However the Granite State's governor does not believe the race in New Hampshire or for the Republican nomination is over. On the Rundown, New Hampshire Governor Chris Sununu (R-NH) explains why he thinks there is plenty of time for President Trump's opponents to catch up and how they can do so. He also shares why his state its first-in-the-nation primary tradition, and why he thinks gerrymandering contributed to polarization of political parties in the country. Plus, commentary by orthodox rabbi, author, and lawyer Sam Bregman as Jews around the world celebrate the Jewish New Year of Rosh Hashanah. Learn more about your ad choices. Visit megaphone.fm/adchoices