Podcasts about northeast

  I know a lot of listeners are relatively new to the fly-fishing game, and so I asked Phil Monahan [30:31], editor of Midcurrent.com (who also helps people through this sometimes-steep learning curve) to share with us ten pitfalls you may want to avoid when learning the game. And I am willing to bet that even you experts out there make some of these mistakes every time you go out. I know I do. In the Fly Box this week, we have some basic and not-so-basic questions, including: What fly line can I use in the Bahamas and for fly fishing in the Northeast? Is the 'chuck and duck" method an ethical way to fish for Great Lakes salmon? Should I replace my old Power Matrix 905 with a newer model or should I invest in a 904 to have a more diverse quiver? I tie all of my juvenile tarpon flies on a size 2/0 hook. Should I invest in some smaller hooks? How long should I leave my dry fly in the water before pulling it out? How much tippet should I be going through? You say that fish can always see my tippet. So why is it necessary to go to a smaller tippet size? The tube in my New Zealand Strike Indicator always splits when I add yarn.  I am using 5X tippet. What am I doing wrong? When fishing with trout Spey, should I concentrate more on my casting or what fly pattern I am using? And what is your favorite fly for trout Spey? Are red and green lights any less impactful when night fishing? Are weighted streamers recommended for night fishing?

With Tropical Storm Erin expected to become a major hurricane by the end of the week, Ginger Zee has the track and Ike Ejiochi reports on the drownings in the Northeast that triggered rip current warnings as the storm churns in the Atlantic; Trevor Ault has details on what police investigating the deadly shooting outside a Target in Austin, Texas, said about how the suspect chose his victims – an employee collecting carts, then a grandfather and his four-year-old granddaughter – at random; as Pres. Trump and Russian Pres. Putin prepare to sit down in Anchorage, Alaska, Rachel Scott reports on the White House's efforts to try and lower expectations of the summit, calling it a mere “listening exercise;” and more on tonight's broadcast of World News Tonight with David Muir. Learn more about your ad choices. Visit podcastchoices.com/adchoices

Get your exclusive discounted offer on your NORD VPN: ⁠https://nordvpn.com/toon⁠ There's no risk with NORD's 30-day money back guarantee. Going away this summer but still want to be able to watch all your favourite shows, including televised Newcastle United games - then sign to NORD VPN to ensure you can access all streaming services even when out of the UK! Sign up, stay secure and support the podcast. ---- Andrew is joined by North East journalist Marc Carruthers to preview the Premier League season to come. Who has had the best transfer window so far? Who is going to be the surprise package? Who is going to flop? Who is going to win the title? Qualify for Europe, or get relegated? We answer it all. Plus, we discuss Newcastle United's chase for Jacob Ramsey. Learn more about your ad choices. Visit podcastchoices.com/adchoices

The stretch of dry and hot weather will be put on pause this week in the Northeast as disruptive thunderstorms drench the region on Wednesday. In other news, the Lee Fire rages in Colorado amid severe western wildfire season. Fires fueled by severe drought and gusty winds are rapidly expanding across the West, with major blazes burning in Colorado, California, Utah and the Grand Canyon region. Learn more about your ad choices. Visit podcastchoices.com/adchoices

Newcastle, Sunderland, Leeds and BurnleyThe last in our team by team look at the new Premier League season. Who have they signed? Who do they need to sign? Reporters give the inside track on any pending transfer business then its open house - how will they get on next season and why?Newcastle – Isak, does he stay, or does he go? The Magpies have had a tumultuous window, struggling to hold on to their star striker while failing to land any reinforcements. Are things going to change in the final weeks of the window? Have any of the three promoted clubs – Sunderland, Burnley or Leeds done enough business to tip the odds in their favour? Sports data suggest it is getting harder for promoted teams to survive? But why is that ?North East reporter Martin Hardy joins Gregor Robertson and sports data journalist George Willoughby. Hosted on Acast. See acast.com/privacy for more information.

Send us a text  From smoky brisket buns in Texas to lobster rolls in Maine, America's love affair with the sandwich is as diverse as its regions. In this episode of Bottles & Bites Without Borders, Rob takes a flavorful road trip across the U.S., exploring the most iconic and beloved sandwiches from each region—Northeast, Southeast, South, Midwest, Southwest, West Coast, and Pacific Northwest.We'll dig into the stories behind these regional favorites, what makes them culturally significant, and how local ingredients, history, and tradition shape what we eat between the bread. Whether it's a po' boy in New Orleans, an Italian beef in Chicago, or a bánh mì in Portland, these sandwiches tell the story of America—one bite at a time.Grab your napkin and your beverage of choice, because this is going to be one delicious ride.

It's been a week, Neighbors. Work through me, Lord. Thank goodness that I'm around a group of people that love the same thing I love: media and the communication field. It's been helping. In this episode, I give a rundown of what has occurred at the National Association of Black Journalists (NABJ) 50th convention. I was there reppin' the Northeast chapter, as well as the NABJ Entrepreneurship Task Force. I had the opportunity to speak, moderate, conduct a meeting (all with the help of Shernay Williams, chair of the Task Force and our mentor, Brett Chambers). **a moment happened after this recording and it was excellent. I'll speak on it on the next go 'round** I also speak about how the city of Cleveland was welcoming to the organization hosting their convention there. They're screaming for more and I'm with giving it to the people! With that, most folks wasn't aware of NABJ's existence, so I spend time speaking about the importance of Black media. Last moves was spent on being a service to the underserved. It was a discussion that was touched on during a session. This thinking is important when creating a brand and it's a great way of living. This show is dedicated to my stepfather Griffin Young, Jr. I dislike 'step' in this case because he taught me everything. Rest in Power and you're truly missed. Enjoy, everyone. *********************************** For more information on NABJ Entrepreneurship Task Force: https://instagram.com/nabjetf For more information on NABJ Northeast Florida chapter: https://instagram.com/neflnabj *********************************** Follow Mr. Al Pete socials and site below: Website: https://mralpete.com Instagram: @mralpete Threads: @mralpete Facebook: Mr. Al Pete YouTube: https://youtube.com/mralpete Substack: https://substack.com/@mralpete Discord: https://discord.gg/HVZCDEPY Powered by The MPN Network. *********************************** Follow The MPN Network socials and site below: Website: https://mpn-llc.com Instagram: @mpnmanagement Threads: @mpnmanagement Facebook: The MPN Network YouTube: https://www.youtube.com/@mpnmanagement Discord: https://discord.gg/HVZCDEPY #mpnnetwork #blackpodcastnetwork #medianetwork

The Premier League is almost here and Jamie Carragher and Paul Scholes are back with Part 2 of our Fan Debate brought to you by Sky Bet and this one gets lively. We kick things off with Manchester City as fans discuss Pep Guardiola's trophyless season and the latest on the 115 charges hanging over the club. Over at Manchester United, can Ruben Amorim start to kick on at Old Trafford? And with striker Benjamin Sesko on the way, United fans are asking the big question: are we back? Then it's on to Tottenham Hotspur who have replaced Ange Postecoglou with Thomas Frank while club legend Son Heung-min heads to MLS, where does Son rank amongst the Spurs greats, and is his legacy greater of Harry Kane's? We also check in with Leeds, Everton and Brentford from Everton's move to their new stadium to Brentford's squad being raided to Leeds' hopes of surviving their Premier League return. Finally we head to the North East for the return of the Tyne-Wear Derby as Newcastle face uncertainty over Alexander Isak's future and Sunderland enjoy their first top-flight season in eight years. Hosted on Acast. See acast.com/privacy for more information.

In this insightful episode, Chris and Nancy sit down with Dr. Nancy Duncan to explore the often-misunderstood condition known as tinnitus. Dr. Duncan brings her extensive expertise to the table as she breaks down what tinnitus really is, how it's diagnosed, and what treatment options are available for those experiencing persistent ringing or buzzing in the ears.Whether you or someone you love is struggling with tinnitus, or you simply want to better understand hearing health, this conversation offers valuable knowledge and practical advice.Stay tuned to Twenty Seven Degrees for more insightful discussions on healthcare innovations. Subscribe and follow us on social media to support our podcast and ensure you never miss an episode! Special Thanks: BayCoast Bank and Duncan Hearing Healthcare for their sponsorship. Ron Gamache for our intro music. PrimaCARE and Bioskills of the Northeast for their continued support.

Episode Overview In this episode, Benoy Thanjan interviews Gabe Phillips, CEO of Catalyst Power Holdings, a company revolutionizing how commercial and industrial (C&I) customers access clean energy.  The conversation dives into the future of C&I solar, energy storage, demand response, and how Catalyst Power is empowering mid-sized businesses with creative, cost-saving clean energy solutions. Topics Covered: Gabe's background and evolution in the energy sector The unique C&I clean energy niche Catalyst Power serves The role of DERs (distributed energy resources) and why aggregation matters Combining solar, storage, and demand response into a single value proposition The importance of customer acquisition and tech-enabled platforms Opportunities and challenges in Northeast markets like NYISO and PJM What's next for C&I energy solutions as federal and state incentives evolve Key Quotes: “We're focused on the forgotten middle — C&I customers that are too big for rooftop-only and too small for full-blown utility-scale.” “There's a convergence of tech and finance in clean energy that's finally unlocking the C&I market.” “We're not just selling power — we're building long-term energy partnerships.”   Benoy Thanjan Benoy Thanjan is the Founder and CEO of Reneu Energy and he is also an advisor for several solar startup companies.  He has extensive project origination, development, and financial experience in the renewable energy industry and in the environmental commodities market.   This includes initial site evaluation, permitting, financing, sourcing equipment, and negotiating the long-term energy and environmental commodities off-take agreements. He manages due diligence processes on land, permitting, and utility interconnection and is in charge of financing and structuring through Note to Proceed (“NTP”) to Commercial Operation Date (“COD”). Benoy composes teams suitable for all project development and construction tasks. He is also involved in project planning and pipeline financial modeling. He has been part of all sides of the transaction and this allows him to provide unique perspectives and value. Benoy has extensive experience in financial engineering to make solar projects profitable. Before founding Reneu Energy, he was the SREC Trader in the Project Finance Group for SolarCity which merged with Tesla in 2016.  He originated SREC trades with buyers and co-developed their SREC monetization and hedging strategy with the senior management of SolarCity to move into the east coast markets.  Benoy was the Vice President at Vanguard Energy Partners which is a national solar installer where he focused on project finance solutions for commercial scale solar projects.  He also worked for Ridgewood Renewable Power, a private equity fund, where he analyzed potential investments in renewable energy projects and worked on maximizing the financial return of the projects in the portfolio.  Benoy also worked on the sale of all of the renewable energy projects in Ridgewood's portfolio.   He was in the Energy Structured Finance practice for Deloitte & Touche and in Financial Advisory Services practice at Ernst & Young.  Benoy received his first experience in Finance as an intern at D.E. Shaw & Co., which is a global investment firm with 37 billion dollars in investment capital. He has a MBA in Finance from Rutgers University and a BS in Finance and Economics from the Stern School of Business at New York University.  Benoy was an Alumni Scholar at the Stern School of Business.  Gabe Phillips: Gabe is the CEO of Catalyst Power Holdings, a fast-growing company providing customized power solutions to C&I customers. With a background in environmental commodities and renewable project finance, Gabe brings deep experience in building businesses that sit at the intersection of sustainability, economics, and customer value. Prior to founding Catalyst, Gabe held leadership roles at energy trading and consulting firms. Stay Connected: Benoy Thanjan Email: info@reneuenergy.com  LinkedIn: Benoy Thanjan Website: https://www.reneuenergy.com   Gabe Phillps Website: https://catalystpower.com LinkedIn: Catalyst Power Gabe's LinkedIn: Gabe Phillips

Shoot us a Text.Episode #1115: Ford's ready for its “Model T moment,” the Cybertruck heads to military testing, and Rivian turns EV charging into a Hamptons-style retreat.Show Notes with links:Ford is gearing up for a major EV push with plans to build a new generation of affordable electric vehicles, kicking off a pivotal new chapter that CEO Jim Farley has dubbed the company's “Model T moment.”The EV line will include a midsize pickup, set to launch in 2027 from Ford's Louisville Assembly Plant.Batteries will be supplied by Ford's upcoming $3B LFP (lithium ion phosphate) battery plant in Marshall, MI, creating 1,700 jobs.The Marshall project has faced controversy, construction pauses, and political scrutiny due to its partnership with Chinese battery giant CATL, but will move forward after securing tax credits.It will be the first U.S. EV battery plant to use LFP chemistry at scale—offering lower costs and better sustainability than traditional NMC batteries, though with less power and range.“Model e continues to make targeted investments where we have breakthrough innovation (next gen EVs), and a distinct advantage (LFP batteries)” said CEO Jim Farley.Elon Musk once pitched the Tesla Cybertruck as a military-ready, apocalypse-proof beast. Now, the U.S. Air Force has plans for it—just not quite the way he envisioned.The Air Force Test Center is requesting two Cybertrucks as part of a 33-vehicle target fleet at White Sands Missile Range.A military doc suggests adversaries might use Cybertrucks, which “have been found not to receive the normal extent of damage expected upon major impact.”The goal is to test precision-guided weapons against realistic, resilient targets.The government documents left a glowing review of the Cybertruck saying “Extensive internet searches and industry outreach by [REDACTED] found no vehicles with features comparable to those of the Cybertruck.”Charging your EV in the Hamptons just got a whole lot cozier. Rivian's new Southampton Charging Outpost swaps the gas station vibes for beachside boutique charm—and locals are noticing.The cedar-shingled lounge features six DC fast chargers, a kids' play area, 24/7 restrooms, and complimentary Hampton Coffee.From August 7–10, drivers can plug in for free, enjoy curated snacks, and even test drive a Rivian.Every mile charged is powered by renewable energy—solar and wind included.This marks Rivian's 121st Adventure Network site and 15th in the Northeast, reinforcing its strategy of building fewer but friendlier charging stops.0:00 Intro with Paul J Daly and Kyle Mountsier0:37 Kyle is at Beaver Mazda today1:42 Announcements3:10 Ford's Next-Gen EVs Are Coming5:37 US Orders Cybertrucks for Target PracticeJoin Paul J Daly and Kyle Mountsier every morning for the Automotive State of the Union podcast as they connect the dots across car dealerships, retail trends, emerging tech like AI, and cultural shifts—bringing clarity, speed, and people-first insight to automotive leaders navigating a rapidly changing industry.Get the Daily Push Back email at https://www.asotu.com/ JOIN the conversation on LinkedIn at: https://www.linkedin.com/company/asotu/

Smoke from Canadian wildfires is triggering health warnings across Massachusetts. Learn what doctors say about air quality risks, who's most vulnerable, and when to avoid outdoor activity.

The importance of human-centered innovation – one banker's thoughts on building the right kind of innovative community. Detailed Summary: In this Finovate podcast, Greg Palmer interviews Catherine Lynch, who leads digital experience and human-centered design at Citizens, a super-regional bank with approximately 1,000 branches primarily in the Northeast and $220 billion in assets. With over 20 years in banking and previous experience at Accenture and tech startups, Lynch has built her career around leveraging technology to solve customer problems. At Citizens, she focuses on digital channel strategy and experience design for a diverse customer base that includes consumers, commercial clients, and wealth management customers. Lynch explains that regardless of customer type, banking clients have three fundamental needs: seeing their money, moving their money, and protecting their money. She notes that customer needs have evolved as people face cognitive overload, economic stress, and reduced community connections, creating demand for simpler, easier banking experiences. To meet these changing expectations, Citizens employs a human-centered design approach, putting customer needs at the center of their problem-solving process through empathy, collaboration, iteration, and testing. Their innovation lab, part of Green Pixel Studios, allows them to observe customers interacting with their services and quickly develop solutions to address pain points. Looking toward the future, Lynch emphasizes the importance of partnerships with fintech companies, which focus on specific customer problems that Citizens might not have the resources to explore independently. She highlights their involvement with Mass Fintech Hub, which connects financial institutions with academia, startups, and government to address industry challenges collaboratively. By maintaining these connections and leveraging evolving capabilities, Citizens aims to deliver exceptional customer experiences while addressing the information overload many customers face today. More info: Citizens Bank: https://www.citizensbank.com/ ; https://www.linkedin.com/company/citizens-bank/ Catherine Lynch: https://www.linkedin.com/in/catherine-lynch-42678510/ Greg Palmer: https://www.linkedin.com/in/gregbpalmer/ Finovate: https://www.finovate.com; https://www.linkedin.com/company/finovate-conference-series/ #Finovate #podcast #fintechpodcast #financialservices #bankingInnovation #fintech #fintechpartnerships #digitaltransformation #AI #innovation #startup #banking

In this episode of TigerTalk, Northeast Mississippi Community College President Dr. Ricky G. Ford joins Marketing and Public Relations Specialist Liz Calvery to kick off the 77th academic season, starting August 13. Dr. Ford shares what he's most excited about as a new wave of students arrives on campus, highlights the variety of programs Northeast offers, and discusses the latest campus improvements — including major renovations at Wood Hall and ongoing drainage projects. Plus, get the latest updates on athletics, academics, workforce development, and everything happening at one of the nation's premier community colleges. 

The Black Bear Ranch was established as a commune in Summer 1968 by a group of young men and women from San Francisco. Located 318 miles North East of San Francisco in remote Siskyou County on 80 acres, it still exists. The re-mastered 2005 film was re-released in Summer 2025.

It’s peak produce season in St. Louis, and George and Cheryl have been busy scouring the area’s farmers markets for the perfect tomatoes, peaches, and sweet corn. Along the way, they’ve come across some hidden gems that make these markets some of the spots to enjoy the region’s culinary bounty—and they’re letting you in on the secret. From a must-visit new pastry stand at Tower Grove to one of the best condiments in the bi-state area at Lake St. Louis, this episode will give you your ultimate farmers market shopping guide to make this your most delicious summer ever. This episode is sponsored by Cardinals Nation. Make your game day unforgettable at Cardinals Nation Restaurant & Bar—just steps from Busch Stadium! Book your table. New to podcasts? Follow these instructions to start listening to our shows, and hear what you’ve been missing! Have an idea for a future Arch Eats episode? Send your thoughts or feedback by emailing podcasts@stlmag.com. Hungry for more? Subscribe to our Dining newsletters for the freshest coverage on the local restaurant and culinary scene. And follow George (@georgemahe) and SLM on Instagram (@stlouismag). Interested in being a podcast sponsor? Contact Lauren Leppert at lleppert@stlmag.com. Mentioned in this episode: Balkan Treat Box, 8103 Big Bend, Webster Groves, 314-733-5700Madrina, 101 W Lockwood, Webster Groves, 314-963-1976White Castle, multiple locations & phone numbers.Kirkwood Farmers’ Market, 150 E Argonne, Downtown Kirkwood, 314-984-9496Stonie’s Sausage Shop, 1507 Edgemont, Perryville, 573-547-2540Buttonwood Farms Odelehr Farm Baked Goods, 7127 Illinois River, Brussels IL, 618-883-2265Tropical Moose, located in Kirkwood Farmers Market & Kirkwood Park, Kirkwood, 314-570-6517Ferguson Farmers’ Market, 501 S Florissant, Ferguson, 314-521-4661MO Flourishing Fungi, 160 Saint Benedict, Florissant, 314-626-4189Bluefield Kitchen, pickup location varies, North County, 314-606-4331Hotplate, online food business platform.Market Wagon, online farmers market.Earthdance Organic Farm, 233 S Dade, Ferguson, 314-521-1006Lake St. Louis Farmers’ Market, 20 Meadows Circle, Lake St. Louis, 636-352-6716Luna Maki, 636-344-0498Capulí Cakery, no storefront address, 314-546-0847Wildwood Farmers’ Market, 221 Plaza, Wildwood, 636-458-0440NHB Knifeworks, no address or phone.Angel’s Fruits, no storefront address, 314-624-9199Boulevard Farmers’ Market, 1 Blvd Saint Louis, Richmond Heights, no phone.Tower Grove Farmers’ Market, 4257 Northeast, Tower Grove, no phone.Klondike Bison, 2207 Lynch, 314-773-6779Skáld Bakery, found at Tower Grove Farmers’ Market (4257 Northeast), no phone.Comet Bakery, 640 W Woodbine, Kirkwood, no phone.Estella’s Frescas, found at Tower Grove Farmers’ Market (4257 Northeast), no phone.Fourth City Barbecue, looking for a new home, can be found at Tower Grove Farmers’ Market (4257 Northeast), 314-669-6505Wheelhouse Fish Co., found at Tower Grove Farmers’ Market (4257 Northeast), no phone.Dang Good Produce, 15795 State Hwy W, Bourbon, 573-732-3276Food with Yoo, found at Tower Grove Farmers’ Market (4257 Northeast), no phone.Farm Spirit, 2710 Locust (inside Bluejay Brewing Co.), no phone.Ivan’s Fig Farm, found at Tower Grove Farmers’ Market (4257 Northeast), no phone.Grand Army Farm, found at Tower Grove Farmers’ Market (4257 Northeast), 314-302-7454Urban Buds, 4736 Tennessee, Dutchtown, 314-399-8377Iron Hill Farm, 3253 Iron Hill, Union, no phone.Tower Grove Farmers’ Market, 20 year anniversary, August 30, 4257 Northeast, 8 a.m. to 3 p.m. You may also enjoy these articles from SLM:More episodes of Arch EatsEssential summer dishes in St. LouisGuide to farmers’ markets in St. LouisSee omnystudio.com/listener for privacy information.

Guest: Ed Maltby, Executive DirectorOrganization: Northeast Organic Dairy Producers Alliance (NODPA)

PASTOR CLAUDE STAUFFER On today's podcast, we welcome back Pastor Claude Stauffer of Calvary Chapel of Hope in Amityville, NY. Pastor Claude is a graduate of Hofstra University (B.A. Sociology) and Asbury Theological Seminary (Master of Divinity). He has been in ministry since 1986 and presently serves as the senior pastor of Calvary Chapel of Hope, a church he has served from its beginning in 1993. He served bi-vocationally as a pastor and social worker for 16 years. He is the author of over 30 books, the latest of which is a thorough look at the person and work of the Holy Spirit and has a vital radio ministry to the Northeast and beyond. Today we look at the first few chapters of Zechariah in order to understand the who, what, and how of being used by Him. Primarily, the key verse is "Not by might, not by power, but by My Spirit, says the Lord " (Zech. 4:6). So much of what goes on in the church seems to point to a generation that thinks worship-tainment, a best-selling self-help book, and programs are the way to accomplish the work of God, when really, none of that works. It hasn't, and it won't. Zechariah and the Holy Spirit have a lot to say to us here in 2025. Pastor Claude's most excellent blog can be found here. His books can be found here, and many in electronic/Kindle format are available at no cost.   Stand Up For The Truth Videos: https://rumble.com/user/CTRNOnline & https://www.youtube.com/channel/UCgQQSvKiMcglId7oGc5c46A

Psalm 92 promises that those planted in the House of God will flourish like a palm tree. In this message, we explore the powerful comparison between the palm tree and the believer and why deep roots in a local church are essential for a strong, fruitful, and unshakable life.Pneuma Life Church with Pastors Jason & Jessica Huffman in Saint Johns, Florida. Make Jesus Known. Make Disciples. Make A Difference.Join us live for services each Sunday at 10AM4100 Race Track Rd. (Durbin Creek Elementary) Saint Johns, FL 32259 Visit us online at: https://pneumalife.churchEmail: hello@pneuma.life 

(Aug 5, 2025) This summer, the Watertown City School District cut dozens of pre-k slots without explanation, even though community partners were willing to provide them. With the school year quickly approaching, many families don't know if their child will be able to attend Pre-K or not. Also: All of the North Country is still under an air quality advisory as smoke from Canadian wildfires continues to pollute much of the Northeast.

Alix shares her experience leading people strategy at a global professional services company with 90,000 employees, discussing the challenge and excitement of integrating acquired businesses across Europe with a strong employee value proposition rooted in purpose and belonging. Describing how her passion for responsible business has shaped her career - from tackling food insecurity to championing women's economic inclusion as Chair of the Women's Advisory Board in Northeast England, Alix shares her experience on a race equity commission, a powerful reminder that inclusive leadership requires courage and truth.  Alix reflects on leading with compassion and the role of HR in shaping a more human world of work. Her parting message: compassion is the secret sauce in transformational leadership. References: RED report: Building inclusive places - Anti-racism in North East businesses – published July 2024 - North East Chamber of Commerce / Newcastle University Thank you to How HR Leaders Change the World - Live! 2025 - brought to you by Uplifting People for sponsoring this episode   This episode is brought to you by HR's boldest moment yet - How HR Leaders Change the World Live. Today's HR leaders are navigating extraordinary demands, balancing short-term business performance with shaping long-term, purpose-driven strategy. Yet despite holding the key to sustainable commercial success, HR is often undervalued, under-supported, and expected to play it safe. That's exactly why we created How HR Leaders Change the World - Live! - an extraordinary event bringing together pioneering HR leaders who believe our profession can be a transformative force for both business growth and social good. This year's event is the boldest yet, featuring candid, strategic conversations and powerful insights from global CHROs. You'll leave with actionable takeaways and a renewed sense of the power of your role, with 100% of profits donated to support vulnerable children - meaning your impact starts before you even walk through the door. Tickets are now available. Take a look at the agenda and our first speaker announcements, including keynote Bob Geldof KBE. Don't miss out - secure your place today and join fellow HR change makers to enhance your influence and impact. We can't wait to see you there!   

Keith discusses strategies to avoid capital gains tax on primary residences, highlighting the potential impact of the "No Tax on Home Sales Act" proposed by Representative Marjorie Taylor Greene.  He explains the current tax exemption thresholds of $250,000 for singles and $500,000 for married couples, noting that 34% of homeowners could exceed the single filer threshold.  Keith also explores the rise of small investors in the housing market, representing 30% of purchases, and the potential of peer-to-peer storage and parking platforms to generate income from underutilized property.  And concludes with a critique of government dependency through Section 8 housing. Resources: You can see the video footage of that section 8 clip here. Show Notes: GetRichEducation.com/565 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  You get paid first: Text FAMILY to 66866 Will you please leave a review for the show? I'd be grateful. Search “how to leave an Apple Podcasts review”  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— text ‘GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Automatically Transcribed With Otter.ai    Keith Weinhold  0:01   Welcome to GRE. I'm your host. Keith Weinhold, when you sell your primary residence, you need to pay capital gains tax. Learn how to avoid it, then how to increase your rental income with new peer to peer platforms. And finally, a perspective on capitalism and collectivism, with Section Eight housing today on get rich education.    Speaker 1  0:27   Since 2014 the powerful get rich education podcast has created more passive income for people than nearly any other show in the world. This show teaches you how to earn strong returns from passive real estate investing in the best markets without losing your time being a flipper or landlord. Show Host Keith Weinhold writes for both Forbes and Rich Dad advisors, and delivers a new show every week since 2014 there's been millions of listener downloads of 188 world nations. He has a list show guests and key top selling personal finance author Robert Kiyosaki, get rich education can be heard on every podcast platform, plus it has its own dedicated Apple and Android listener phone apps build wealth on the go with the get rich education podcast. Sign up now for the get rich education podcast or visit get rich education.com   Speaker 1  1:12   You're listening to the show that has created more financial freedom than nearly any show in the world. This is get rich education.   Keith Weinhold  1:28   Welcome to GRE from st, Joseph, Missouri to st, Albans, Queens in New York City and across 188 nations worldwide. I'm Keith weinholden. You and I are back together here for another wealth building week. This is get rich education, the Treasury and the Fed keep conspiring to print dollars like crazy, create currency, debasing every single dollar that you're currently holding onto. They are stealing your purchasing power, stealing the value of your work and your grit. It makes dollars pretty fake, since they can just be conjured out of thin air, therefore your job is to convert fake dollars into real assets. That's what you need to do, and this is a strategy that dominates. Like Sydney Sweeney, they print more money, causing inflation, so you have to invest in assets, but then they put a capital gains tax on those assets so that most people never escape inflation. But of course, as real estate investors, we have a strategy to avoid capital gains taxes. Well, I'll talk about that more later.   Keith Weinhold  2:46   I mentioned to you on an earlier episode that I recently attended my high school class reunion in Pennsylvania. It was just a few weeks ago, out in a rural area with a lodge and trees and grass and inflation came up in a conversation between me and a few classmates that was some time before we played cornhole in badminton. I talked about how I sort of enjoy spending money. One classmate replied that he is cheap. I don't really directly respond to something like that, but my preeminent thought when someone says that they're cheap is that life is too short to be cheap. There is a way to guarantee an improvement to your quality of life and your standard of living, and that is spending it can do exactly that invest Well, first, that's an antecedent, and then you can spend now, in the short run, when you're young, living below your means that can make some sense, until you've accumulated some Capital, sure, but when you're age 30 to 35 plus, like my classmates and I are Sheesh, you've got to have yourself figured out better by then than to still be cheap make your quality of life exceed your cost of living, because at least here on Earth, this is your last life ever the risk of too much delayed gratification is denied gratification. So be more frugal with your time than your money. And a lot of people point to external circumstances for their circumstances. Most people wait for the economy to change, not realizing that your mindset is the economy that you live in with each property that you own, you just created another small economy that you are in control of. You are at the top of it. Yeah, you created. Another small economy, the actors in it are you, your tenant, your lender, your property manager, your contractors, your utility companies and more, and you control it all. Most people think wealth is created from high salaries, and they go their entire life, therefore chasing the wrong thing, thinking that wealth is created by high salaries all along it squarely is not you get wealthy by owning things, and you certainly won't get wealthy by being cheap. Now, when it comes to owning things, the government taxes you when you profit on those things during your ownership period of them at sale time through the capital gains tax. And of course, we've talked about the specifics in how real estate investors can completely duck out of that with the 1031 tax deferred exchange. But what about homeowners, primary residence owners, they often have to pay it well. President Trump and Representative Marjorie Taylor Greene recently suggested either removing this tax or reforming it. Now this would require congressional approval, but most members of Congress own their home, so they could very well be in favor of it. And green introduced what is simply called the no tax on home sales act.    Keith Weinhold  6:29   Let's discuss how this can affect you, especially if you're a homeowner, or even if you don't own a home under the current law, which has been in place since 1997 on a primary residence, your first 250k of profit is sheltered from tax if you're single, the first 500k is sheltered if you're married. This is called the primary residence capital gains tax exemption or exclusion. Let's use an example. Say you bought a home years ago for 500k you're married and you sell the home for $1.3 million that's an 800k gain, alright? Since the first 500k is sheltered from capital gains tax, you would therefore have to pay the tax on just 300k on all but the lowest earners, your capital gains tax is 15 to 20% so this means if you sell this home on that 300k of profit, you'd have to pay a tax bill of between $45k and $60k and you might not be done there. You could also be subject to a net investment income tax of 3.8% on top of that, you cannot duck out of this because the 1031 exchange that's only for investment property, not primary residences, like we're talking about today, with home prices on the rise so much over the last five years, how many people exactly could be subject to this tax? 34% of homeowners could exceed the single filer threshold, and 10% could exceed the married filer threshold. Another way to say this is that only about 10% of US homes have more than 500k of equity in them, and it's the homeowners in high cost states that are most likely to be impacted here, New York, New Jersey, Massachusetts, California and Hawaii, states like that. So therefore this tax it acts as a deterrent to people selling their homes. Now, what about, say, an elderly person with a really modest income that bought a home in Los Angeles for $30,000 back in 1970 and now it's worth $15 million well, they actually would not get caught in this net, because, like I said, for those with lower incomes, and it's below about 47k for single or 94k married, the capital gains tax rate is zero. For most of you listening again, it's going to be 15 to 20% one reason for the President and others wanting to cancel the capital gains tax on primary residences like this is to get the housing market moving again and get more homes available for sale on the market. Now these 250k and 500k thresholds, they have not moved since 1997 almost 30 years here, they haven't been adjusted for inflation and the median home sales price, it's jumped about 190% in that time it was 145k back in 1997 it's 435k today. So is. Home prices appreciate, more and more people will get caught up in paying the capital gains tax if your home value goes up by 10k That's another 10k that's subject to this 15 to 20% Capital Gains Tax, with that erstwhile possible net investment income tax on top of that. Well, what can you do about this growing capital gains tax obligation that you'll have that a lot of homeowners aren't even aware of? Well, even fewer realize that it is possible to reduce your home sales profit by adding capital improvements. That means making home renovations to the original purchase price. So therefore that home kitchen renovation that you were thinking about doing, well that might not be as costly as you think, if it reduces your capital gains tax at sale time to reset what we're talking about here, it's been proposed that the capital gains tax be removed when you sell your primary residence. Usually, we discuss tax on investment properties here, but this is a significant proposal, and whether it happens or not, it helps you understand the housing market and how to limit your personal tax hit now see if the tax were removed, it could be costly, because it would decrease the government's tax revenue, of course. So in my opinion, what I think is really going to happen here, a more likely course of action would be that instead of eliminating this tax they would just move up the threshold, say, from 250 and 500k up to 500k and $1 million another angle to keep in mind is that relaxing the tax that helps out wealthy people more than it helps the poor. Now, house flippers want to pay particular attention to what happens here, for instance, simply eliminating capital gains tax on house sales that could benefit those who buy and flip homes for profit. If policymakers want to benefit only homeowners, then they need to parse that out. Otherwise, this would be a huge boon to eliminating the capital gains tax on House flippers an absolute godsend, a windfall. In any case, relaxing the tax would mean that homeowners who move they would therefore retain more capital to reinvest in their next property, which you could use to outbid others. What does that do that would drive up home prices even more. I mean talking about the capital gains tax on primary residences, its proposal to be removed and what this would do to the housing market.    Keith Weinhold  12:50   Before I tell you about an interesting real estate investing niche and trend, let's pull back and look at the national housing market. The NAR recently let us know that national home prices hit yet another all time high. The median existing home price reached a record high of $435,300 and that is a 2% increase compared to last year. At this time, it's also the 24th consecutive month of year over year price increases. And you know, it's funny, I recently talked to an investor based in Phoenix that also does a little investing in Las Vegas. She thought that national home prices were falling because she sees a little price flattening in her home area, which is a little overbuilt. Well, prices are up as much as 10% in some areas of the Northeast and Midwest, because those areas are substantially underbuilt. I mean, for some perspective here just one metro area, New York City, one city with its population of over 20 million people, has twice as many people as both Arizona at 7 million and Nevada at just 3 million combined. One city twice as much as two entire states combined with all their cities. So it's remarkable how little perspective some people have see my geography degree holder perspective strikes once more again, national existing home prices are up 2% year over year, nominally, pretty modest growth, not that exciting. And who is doing the buying of these homes supporting and driving up prices. Well fewer and through of them are first time home buyers due to the well documented affordability strain. More and more of them are investors. Just last week, the Wall Street Journal reported that investors are responsible for fully 30% of the purchases of. Of both existing homes and new construction homes this year, and this is the highest share since property analytics firm kotality started tracking it 14 years ago. Investors are really buying today, and what kind of investors? Interestingly, it is people just like you. The Wall Street Journal went on to report that smaller investors who own fewer than 100 homes are doing most of the buying. That's a big change from when massive private equity firms like Blackstone and Starwood Capital Group dominated the market. So this 30% of single family home purchases being made by investors today. Smaller investors are 25% and larger ones only accounted for 5% so yeah, the little guys, people like you, they can take bigger risks because they don't have boards and shareholders to answer to, and plus builders with too much inventory are offering them discounts that were once reserved only for the bigger fish. They're being passed on now to smaller investors like you. That's exactly what the journal went on to say, much like we discussed on the show here last week, where builders are giving massive discounts.    Keith Weinhold  16:22   Well, you probably heard it said that Airbnb doesn't own any real estate. Uber doesn't own any cars. Facebook doesn't own any content, and Tiktok has no original videos. Yet, they all dominate their industries. Well, when you own the real estate, you can make the rules and leverage some of these connector platforms to help you rent out space that you own and increase your income. Do you own any property that's sitting vacant with nothing going on on the lot, perhaps even overgrown with weeds and shrubs. You can use an app like neighbor that helps you rent them out as parking spaces. Neighbor.com customers request your space, and you can approve it. They can park their cars on your space or RVs, boats, boats, trailers. This can be especially lucrative if you're a few miles from an airport, and then there are platforms that let you leverage them, sort of like the Airbnb of storage. Roughly one out of every nine Americans is renting a self storage unit, and that's not even counting all the people searching for a spot to park an extra car, boat or RV. At the same time, there are millions of garages, basements, attics, driveways and backyards sitting underutilized across the country now, platforms like store at my house, Pure Storage and park for share, that one is spelled Park, the number four and share, they're all stepping up to connect people who have extra space with the people that need it. And the result is that renters can typically save 50% or more compared to them using traditional storage companies they can rent from you, and it's often more convenient for renters, since the space they're renting that might be just around the corner instead of across town. Neighbor.com is one of the biggest players in this space, though, its founder, his name's Joseph Woodbury. He says you'd be amazed at what people will pay to store something if the location is good and the price is right, they have had a tiny three foot by five foot closet in Manhattan that rented out in a snap, almost instantly in Woodbury. He even uses the platform himself, leasing part of his own driveway to someone with a camper. Now, you probably want to check with your HOA before you do something like that. But like Airbnb neighbor, they earn money by taking a cut of the host's revenue. But unlike Airbnb neighbor, hosts average just 16 minutes per month managing their listings now Woodbury, the neighbor.com owner, he calls it the most efficient, least time intensive form of passive income in America. And the peer to peer storage trend, that's become a great entry point for new investors, especially those that aren't ready to buy a full property. But it's also catching the eye of experience real estate investors who want to squeeze more cash flow out of the land that you already own. Some are turning unused sheds into rentable storage units. Others are converting open acreage into long term parking. I know someone that's hosting campers and. RVs on his 10 acres in Florida, and he expects to earn about $100,000 this year alone from that land. And they say it's mostly hands off. And now, whenever he buys he looks for acreage plus a home so that he can generate multiple income streams from one property. Well, can this peer storage and parking shake up the $500 billion self storage and parking industry the same way that Airbnb rattled the hotel world? Some think the potential is huge, with national occupancy rates for storage centers hovering around 93% there really is not any sign that the market is oversupplied. In fact, even public storage, that's the company name, public storage, they are the country's largest self storage space operator, even they use neighbor to help lease out their leftover inventory, and so do some REITs that have extra space at their office, retail or apartment properties. And as far as the types of listings, people are getting creative on these platforms. They're monetizing everything from empty barns to church parking lots. Think about how much of the week church parking lots sit vacant to vacant strip mall storefronts, and they're using that as parking so more and more people are realizing that there's hidden value in the real estate that they already own, and you can too. If you own the real estate, you make the rules. So check out those four platforms that I mentioned, if you think it can benefit you to increase the income at your properties in this growing peer to peer storage and parking industry. It was around 2010 when Airbnb really started to take off and really take market share away from hotels, and today, these platforms like neighbor store at my house, peer storage and park for share, are taking market share away from traditional, centralized self storage spaces to review what you've learned so far today, if you're going to Live life full time, you can't be perpetually cheap. Be aware of the primary residence capital gains tax and its elimination proposal. Small investor interest is growing now, making up fully 30% of today's home purchases, and grow your income with Pure Storage and parking platforms coming up next, a viral audio clip that borders on the unbelievable and gives you a new perspective on capitalism, collectivism and Section Eight housing, you'll be flabbergasted. I'm Keith Weinhold. You're listening to Episode 565, of get rich education.   Keith Weinhold  23:00   the same place where I get my own mortgage loans is where you can get yours. Ridge lending group and MLS, 42056,they provided our listeners with more loans than anyone because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage. Start your pre qual and even chat with President Caeli Ridge personally. While it's on your mind, start at Ridge lendinggroup.com. That's Ridge lendinggroup.com.    Keith Weinhold  23:32   You know what's crazy? Your bank is getting rich off of you. The average savings account pays less than 1% it's like laughable. Meanwhile, if your money isn't making at least 4% you're losing to inflation. That's why I started putting my own money into the FFI liquidity fund. It's super simple. Your cash can pull in up to 8% returns, and it compounds. It's not some high risk gamble like digital or AI stock trading, it's pretty low risk because they've got a 10 plus year track record of paying investors on time in full every time. I mean, I wouldn't be talking about it if I wasn't invested myself. You can invest as little as 25k and you keep earning until you decide you want your money back. No weird lockups or anything like that. So if you're like me and tired of your liquid funds just sitting there doing nothing, check it out. Text family 266, 866, to learn about freedom. Family investments, liquidity fund again. Text family to 66866.   Kathy Fettke  24:42   you this is the real wealth network's Kathy betke, and you are listening to the always valuable get rich education with Keith Weinhold.   Keith Weinhold  25:00   Keith, you are back inside one of America's longest running and most listened to real estate investing shows. I'm your host, Keith Weinhold, and this is get rich education, the voice of real estate investing. Since 2014 wealthy people's money either starts out or ends up in real estate, we tell you why and show you how. I've got a clip to share with you that gets a little wild. We usually share what I suppose is more cerebral content here, but some real perspective can be gleaned from listening to this. This kid wants to work his mom says, No, you can't, because she'd lose her section eight housing benefit. And apparently, free housing is more valuable than his future. This is about one minute in length,   Unknown Speaker  25:52   not getting no job. If you go get a job, they're going to take my section eight, then you won't be able to get no section eight. You're not going to get no job. They're gonna count your income against my section eight and my link card. You're not working, no. So I don't care what you gotta say. I don't care how you feel. You're not working, you're not going to get a job, you you're not going to school, you're not doing none of that like Ma. I'm saying how I'm supposed to be successful in life, huh? So you basically telling me I gotta I gotta be broke to be successful. I got to be broke so I can get section eight. Government can help you. So the government can help me. So you telling me I can't work, no job, bro. Like, that's like, all my friends got jobs and live and nice houses. So you telling me I got the I got to go through the same thing you went through if you have a house, any of that, they're going to take my section eight. How? What they be like,no, they will look at that and be like, he's doing something. And give me a bigger house. Ma, that's what you told me. I can get off your section eight and apply for my own section eight. Okay, but if you do that, you're gonna have to go the hard way. It's gonna take a long so what? That's what I'm saying. Get on Section Eight. Find you a nice apartment, go get you a link card. You will be fine. You don't have to sit up and work. You don't have to work, no job, if the government is here to help us.   Keith Weinhold  27:11   Gosh, this mom won't let her son work, or else she'll lose their government section eight housing benefit, where taxpayers pay for most of their housing. And by the way, is this real? Is this a rage bait skit? I can't quite tell, but it surfaces some interesting questions. For sure, it is true that section eight housing voucher recipients like her can lose their benefits if the household earns more and exceeds a certain threshold. Gosh, here's the youth that wants to do something and maybe be better and have more than his parents. You should want what's best for your child? Some parents have to beg their children to get a job. This kid is willing to go out and see what he's capable of doing. This eaglet is looking to leave the nest, and you're clipping his wings, and yes, you the listener, are the one paying for their housing. There's no such thing as a free government program, because taxpayers like you and I fund the government section eight housing is therefore tax payer funded at one point. The mom says the government is here to help us. Yeah, this woman is making you poorer. This is where the taxes that get knocked out of your paycheck are going. You're working at a job, spending less time with the people you love, and maybe doing fewer of the activities you love so that she can perpetuate a culture of laziness and government dependency. Another successful entrepreneur or employee is not making you poorer, this woman is making you poorer. Thomas Sowell said it best. He is an author and a senior fellow at the Hoover Institution. He's got a lot of brilliant thoughts. Soul famously said, I have never understood why it is greed to want to keep the money you have earned, but not greed to want to take somebody else's money. That's Thomas Sowell. Now it's possible that this woman couldn't get a job that would pay so much more than the section eight income ceiling that it would be worth her getting one. She said there that she doesn't have a job at all. Maybe she has a disability, but there's a video of this. You can see the video. She doesn't appear to be disabled, but the appalling part is that she's discouraging her son from working now. Understand some section eight tenants do work full time jobs, but they're almost certainly going to be really low paying like, say, washing dishes for a restaurant. Section Eight is supposed to be a temporary program. It's supposed to be helpful, not a hindrance. It is a federal program. It's administered by HUD, and it pays the rent money for low income people, allowing them to rent housing out in the private open market. The program has high demand and some long, long waiting lists. They can be years long, even a decade long, waiting list for Section Eight housing some housing authorities even close their wait lists entirely due to the length the overwhelming demand and understand as well, veterans and the elderly are probably on a wait list, waiting for substantially younger people like her to get off the program to qualify for Section Eight, most families need an income below 50% of the area's median income, and your criminal background check has got to be clear, so you don't need to pass some high bar to get into the program. Now, in reality, a large share of the benefit recipients have an income that's under 30% of an area's median and how much of your rent does section eight pay? Participants typically pay a portion of their monthly income toward rent, usually around 30% they pay around 30% where section eight pays 70% I once run into a section eight tenant, and the tenant paid closer to 20% while the program paid 80% for you. And by the way, landlords don't have to accept section eight tenants. It is voluntary, and it pays landlords about the market rate in hot housing markets with fast rising rents. Well, you probably don't want to accept section eight because a regular, unsubsidized tenant is often going to pay you more in a slow rental market, Section Eight is better for landlords. Now, some landlords like section eight because it is guaranteed rent income, but some don't like it because they say they get low quality tenants. Well, foreign landlord can rent to a section eight tenant, a person called a case manager inspects the unit, and I think I shared with you before that, the first one that inspected mine, they wrote me up because they said that one of my Windows didn't open all the way. I fixed it, and the tenant stayed two years before they moved. But the average duration of time that a tenant spends in the program is six to nine years. It is supposed to be a short term bridge, but often becomes a long term subsidy people get dependent on the handout. HUD tells us that only one in seven families leave the program due to increased income, and there is a strong stigma around section eight housing, for sure. Who knows? To shake the stigma, maybe they will just change the name of the program. That happens sometimes, sort of like how they changed the name of the food stamps program to snap. And by the way, the link card that she mentioned in the video that is for food assistance. That's actually the name of the snap card in the state of Illinois. Oh, dear God bless America, training her kids to live off the government. I almost feel trashy after thinking about this. I'm probably going to go shower next now. Should the minimum wage be high enough that everyone can afford at least a one bedroom apartment, and therefore people wouldn't need section eight? Well, the federal minimum wage is $7.25 it's been stuck there since 2009 the economic commentator Peter Schiff, who I had lunch with a couple times last month, he and his wife Peter, makes the case that there should be no minimum wage at all. That is government intervention in the free market. If you make the minimum wage too high, people get laid off and people get replaced by robots. That's just what's really happened in practice, if a person can only make the minimum wage, they need to get better, and they need to skill up, is what Peter contends. Now, when I graduated college, I would have thought that premise sounded ridiculous. No minimum wage. But the more I think about it and the more I experience life, it does begin to make more sense. The fresh post collegiate me would have said that, ah, a working human being, they deserve the dignity of a minimum wage. That's livable, but some time and perspective has me saying that you are the one that brings dignity to your work, your earning potential and your life. It's not up to someone else to provide you with dignity. You don't lean on the government for your dignity. Learn more, be better, skill up. You'll be dignified, and you're going to earn multiples more than minimum wage. When it comes to the section eight, mom, everyone would like to live at the expense of the state, but few realize that the state lives at the expense of everyone else. If you'd like to see the video footage of that section eight clip that I played and more of my commentary on it. It's pretty interesting that should be available on our YouTube channel now. The channel name is get rich education. What else would it be for the production team here at GRE? That's our sound engineer, Vedran Dzampo , who has edited every single GRE episode since 2014,  QC and show notes. Brenda Almendadadas, video lead, Binaya Gyawali video strategy lead, Talha Mughal, video editor, Sorosa KC and producer me, we'll run it back next week for you. If you'd like the show, please tell a friend about it. I'd really appreciate you sharing it until then, I'm your host. Keith Weinhold, don't quit your Daydream.    36:29   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 if the means of guests are their own information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of get rich Education LLC exclusively.   Keith Weinhold  36:53   You know, whenever you want the best written real estate and finance info, oh, geez, today's experience limits your free articles access, and it's got paywalls and pop ups and push notifications and cookies disclaimers, it's not so great. So then it's vital to place nice, clean, free content into your hands that adds no hype value to your life. That's why this is the golden age of quality newsletters, and I write every word of ours myself. It's got a dash of humor, and it's to the point because even the word abbreviation is too long, my letter usually takes less than three minutes to read. And when you start the letter, you also get my one hour fast real estate. Video, course, it's all completely free. It's called the Don't quit your Daydream. Letter, it wires your mind for wealth, and it couldn't be easier for you to get it right now. Just text gre 266, 866. While it's on your mind, take a moment to do it right now. Text, gre 266, 866,   Keith Weinhold  38:08   The preceding program was brought to you by your home for wealth, building, getricheducation.com.  

Hi everyone, thanks for listening. Drop a line or two about the episode! Writer and co-architect of the Maddock Horror Comedy Universe, Niren Bhatt, is here for a deep dive of Bhediya! We also talked about writing horror comedies, how our horror comedies differ from the horror comedies in the West, Niren's takeaways from working on a VFX-heavy film, and much more. Join us!If you enjoy the podcast, do consider supporting the show: https://www.buzzsprout.com/257788/supportFeedback/comments/questions: loveofcinemasf@gmail.comCredits:Produced and hosted by: Himanshu Joglekar (@loveofcinemasf8)Editor: Devika JoglekarMusic: Nakul AbhyankarCopyrights © Love of Cinema 2025Support the showIf you liked the episode and found value, please considering supporting the show. Your support will help me continue making good content for fans of Indian cinema everywhere across the world: https://www.buzzsprout.com/257788/support

In Episode 40 of the Power Trends podcast, NYISO Executive Vice President and Chief Operating Officer Emilie Nelson offers a behind-the-scenes look at how the grid was managed during June's heatwave, which brought record-setting temperatures across the Northeast. Nelson walks through the critical decisions and emergency measures that helped ensure adequate supply margins across New York. According to Nelson, forecasting, demand response, and a mix of energy resources—including solar and wind—helped manage the system during a period of sustained heat. The episode also covers the NYISO's new Grid Alert System, which communicated system conditions in real time. Energy Watch and Energy Warning alerts were issued to the public over the course of the three-day event when reserves dipped below 2,620 and 1,964 megawatts, respectively.Nelson also describes how the NYISO prepares for periods of high demand, and how coordination among neighboring grid operators plays a critical role in maintaining system reliability.Listen to Episode 40 of Power Trends to learn more about how the grid is managed during extreme weather events. Visit our System Conditions page to learn more about the Grid Alert System.Additional ResourcesJune Heatwave Tests Electric Grid in New YorkLearn More Follow us on X/Twitter @NewYorkISO, LinkedIn @NYISO, Bluesky @nyiso.com Read our blogs and watch our videos Check out our Grid of the Future webpage

Join us as we chat with Kisha Zullo founder of Women In Business Summit, Michelle Wirth founder of FeelGood Shop Local and Co-Owner of Mercedes Benz, and Jessi Kirley Founder and Owner of JKirley Collective. WIB, now in its 20th year, will be held on September 25th in Springfield. The annual event has drawn hundreds of women from around the Northeast to celebrate issues, causes, and uplift the power of women's voices. The event is titled: Community and Connection. Tune in to hear what that means to each of these powerful women and why they are involved in WIB Summit. There is a VIP reception, a wellness lounge, sponsor tables, raffles, food, and over 15 speakers to fill your heads and hearts with ideas and tools to move past what blocks you. I feel energized to call these SHERO'S friends. Thanks for listening.

A major Clark County intersection at NE 179th St. and NE 29th Ave. will undergo two years of roundabout construction starting late August. Residents can attend a public meeting Aug. 12 to learn more. https://www.clarkcountytoday.com/news/two-year-construction-of-a-roundabout-at-northeast-179th-street-and-northeast-29th-avenue-begins-in-late-august/ #ClarkCounty #RoundaboutConstruction #TrafficUpdate #PublicWorks #DetourInfo #VancouverWA #CommunityMeeting #Infrastructure #NE179th

Join us as we chat with Kisha Zullo founder of Women In Business Summit, Michelle Wirth founder of FeelGood Shop Local and Co-Owner of Mercedes Benz, and Jessi Kirley Founder and Owner of JKirley Collective. WIB, now in its 20th year, will be held on September 25th in Springfield. The annual event has drawn hundreds of women from around the Northeast to celebrate issues, causes, and uplift the power of women's voices. The event is titled: Community and Connection. Tune in to hear what that means to each of these powerful women and why they are involved in WIB Summit. There is a VIP reception, a wellness lounge, sponsor tables, raffles, food, and over 15 speakers to fill your heads and hearts with ideas and tools to move past what blocks you. I feel energized to call these SHERO'S friends. Thanks for listening.

Join us as we chat with Kisha Zullo founder of Women In Business Summit, Michelle Wirth founder of FeelGood Shop Local and Co-Owner of Mercedes Benz, and Jessi Kirley Founder and Owner of JKirley Collective. WIB, now in its 20th year, will be held on September 25th in Springfield. The annual event has drawn hundreds of women from around the Northeast to celebrate issues, causes, and uplift the power of women's voices. The event is titled: Community and Connection. Tune in to hear what that means to each of these powerful women and why they are involved in WIB Summit. There is a VIP reception, a wellness lounge, sponsor tables, raffles, food, and over 15 speakers to fill your heads and hearts with ideas and tools to move past what blocks you. I feel energized to call these SHERO'S friends. Thanks for listening.

Join us as we chat with Kisha Zullo founder of Women In Business Summit, Michelle Wirth founder of FeelGood Shop Local and Co-Owner of Mercedes Benz, and Jessi Kirley Founder and Owner of JKirley Collective. WIB, now in its 20th year, will be held on September 25th in Springfield. The annual event has drawn hundreds of women from around the Northeast to celebrate issues, causes, and uplift the power of women's voices. The event is titled: Community and Connection. Tune in to hear what that means to each of these powerful women and why they are involved in WIB Summit. There is a VIP reception, a wellness lounge, sponsor tables, raffles, food, and over 15 speakers to fill your heads and hearts with ideas and tools to move past what blocks you. I feel energized to call these SHERO'S friends. Thanks for listening.

The Storm does not cover athletes or gear or hot tubs or whisky bars or helicopters or bros jumping off things. I'm focused on the lift-served skiing world that 99 percent of skiers actually inhabit, and I'm covering it year-round. To support this mission of independent ski journalism, please subscribe to the free or paid versions of the email newsletter.WhoGreg Pack, President and General Manager of Mt. Hood Meadows, OregonRecorded onApril 28, 2025About Mt. Hood MeadowsClick here for a mountain stats overviewOwned by: The Drake Family (and other minority shareholders)Located in: Mt. Hood, OregonYear founded: 1968Pass affiliations:* Indy Pass – 2 days, select blackouts* Indy+ Pass – 2 days, no blackoutsClosest neighboring U.S. ski areas: Summit (:17), Mt. Hood Skibowl (:19), Cooper Spur (:23), Timberline (:26)Base elevation: 4,528 feetSummit elevation: 7,305 feet at top of Cascade Express; 9,000 feet at top of hike-to permit area; 11,249 feet at summit of Mount HoodVertical drop: 2,777 feet lift-served; 4,472 hike-to inbounds; 6,721 feet from Mount Hood summitSkiable acres: 2,150Average annual snowfall: 430 inchesTrail count: 87 (15% beginner, 40% intermediate, 15% advanced, 30% expert)Lift count: 11 (1 six-pack, 5 high-speed quads, 1 fixed-grip quad, 3 doubles, 1 carpet – view Lift Blog's inventory of Mount Hood Meadows' lift fleet)About Cooper SpurClick here for a mountain stats overviewOwned by: The Drake FamilyLocated in: Mt. Hood, OregonYear founded: 1927Pass affiliations: Indy Pass, Indy+ Pass – 2 days, no blackoutsClosest neighboring U.S. ski areas: Mt. Hood Meadows (:22), Summit (:29), Mt. Hood Skibowl (:30), Timberline (:37)Base elevation: 3,969 feetSummit elevation: 4,400 feetVertical drop: 431 feetSkiable acres: 50Average annual snowfall: 250 inchesTrail count: 9 (1 most difficult, 7 more difficult, 1 easier)Lift count: 2 (1 double, 1 ropetow – view Lift Blog's inventory of Cooper Spur's lift fleet)Why I interviewed himVolcanoes are weird. Oh look, an exploding mountain. Because that seems reasonable. Volcanoes sound like something imagined, like dragons or teleportation or dinosaurs*. “So let me get this straight,” I imagine some puzzled Appalachian miner, circa 1852, responding to the fellow across the fire as he tells of his adventures in the Oregon Territory, “you expect me to believe that out thataways they got themselves mountains that just blow their roofs off whenever they feel like it, and shoot off fire and rocks and gas for 50 mile or more, and no one never knows when it's a'comin'? You must think I'm dumber'n that there tree stump.”Turns out volcanoes are real. How humanity survived past day one I have no idea. But here we are, skiing on volcanoes instead of tossing our virgins from the rim as a way of asking the nice mountain to please not explode (seriously how did anyone make it out of the past alive?).And one of the volcanoes we can ski on is Mount Hood. This actually seems more unbelievable to me than the concept of a vengeful nuclear mountain. PNW Nature Bros shield every blade of grass like they're guarding Fort Knox. When, in 2014, federal scientists proposed installing four monitoring stations on Hood, which the U.S. Geological Survey ranks as the sixth-highest threat to erupt out of America's 161 active volcanoes, these morons stalled the process for six years. “I think it is so important to have places like that where we can just step back, out of respect and humility, and appreciate nature for what it is,” a Wilderness Watch official told The New York Times. Personally I think it's so important to install basic monitoring infrastructure so that thousands of people are not incinerated in a predictable volcanic eruption. While “Japan, Iceland and Chile smother their high-threat volcanoes in scientific instruments,” The Times wrote, American Granola Bros say things like, “This is more proof that the Forest Service has abandoned any pretense of administering wilderness as per the letter or spirit of the Wilderness Act.” And Hood and the nation's other volcanoes cackle madly. “These idiots are dumber than the human-sacrifice people,” they say just before belching up an ash cloud that could take down a 747. When officials finally installed these instrument clusters on Hood in 2020, they occupied three boxes that look to be approximately the size of a convenience-store ice freezer, which feels like an acceptable trade-off to mass death and airplanes falling out of the sky.I know that as an outdoor writer I'm supposed to be all pissed off if anyone anywhere suggests any use of even a centimeter of undeveloped land other than giving it back to the deer in a treaty printed on recycled Styrofoam and signed with human blood to symbolize the life we've looted from nature by commandeering 108 square feet to potentially protect millions of lives from volcanic eruption, but this sort of trivial protectionism and willful denial that humans ought to have rights too is the kind of brainless uncompromising overreach that I fear will one day lead to a massive over-correction at the other extreme, in which a federal government exhausted with never being able to do anything strips away or massively dilutes land protections that allow anyone to do anything they can afford. And that's when we get Monster Pete's Arctic Dune Buggies setting up a casino/coal mine/rhinoceros-hunting ranch on the Eliot Glacier and it's like thanks Bros I hope that was worth it to stall the placement of gardenshed-sized public safety infrastructure for six years.Anyway, given the trouble U.S. officials have with installing necessary things on Mount Hood, it's incredible how many unnecessary ones our ancestors were able to build. But in 1927 the good old boys hacked their way into the wilderness and said, “by gum what a spot for snoskiing” and built a bunch of ski areas. And today 31 lifts serve four Mt. Hood ski areas covering a combined 4,845 acres:Which I'm just like, do these Wilderness Watch people not know about this? Perhaps if this and similar groups truly cared about the environmental integrity of Mount Hood they would invest their time, energy, and attention into a long-term regional infrastructure plan that identified parcels for concentrated mixed-use development and non-personal-car-based transit options to mitigate the impact of thousands of skiers traveling up the mountain daily from Portland, rather than in delaying the installation of basic monitoring equipment that notifies humanity of a civilization-shattering volcanic eruption before it happens. But then again I am probably not considering how this would impact the integrity of squirrel poop decomposition below 6,000 feet and the concomitant impacts on pinestand soil erosion which of course would basically end life as we know it on planet Earth.OK this went sideways let me try to salvage it.*Whoops I know dinosaurs were real; I meant to write “the moon landing.” How embarrassing.What we talked aboutA strong 2024-25; recruiting employees in mountains with little nearby housing; why Meadows doesn't compete with Timberline for summer skiing; bye-bye Blue double, Meadows' last standing opening-year chairlift; what it takes to keep an old Riblet operating; the reliability of old versus new chairlifts; Blue's slow-motion demolition and which relics might remain long term; the logic of getting a free anytime buddy lift ticket with your season pass; thoughts on ski area software providers that take a percentage of all sales; why Meadows and Cooper Spur have no pass reciprocity; the ongoing Cooper Spur land exchange; the value of Cooper Spur and Summit on a volcano with three large ski areas; why Meadows hasn't backed away from reciprocal agreements; why Meadows chose Indy over Epic, Ikon, or Mountain Collective; becoming a ski kid when you're not from a ski family; landing at Mountain Creek, New Jersey after a Colorado ski career; how Moonlight Basin started as an independent ski area and eventually became part of Big Sky; the tension underlying Telluride; how the Drake Family, who has managed the ski area since inception, makes decisions; a board that reinvests 100 percent of earnings back into the mountain; why we need large independents in a consolidating world; being independent is “our badge of honor”; whether ownership wants to remain independent long term; potential next lift upgrades; a potential all-new lift line and small expansion; thoughts on a better Heather lift; wild Hood weather and the upper limits of lift service; considering surface lifts on the upper mountain; the challenges of running Cascade Express; the future of the Daisy and Easy Rider doubles; more potential future expansion; and whether we could ever see a ski connection with Timberline Lodge.Why now was a good time for this interviewIt's kind of dumb that 210 episodes into this podcast I've only recorded one Oregon ep: Timberline Lodge President Jeff Kohnstamm, more than three years ago. While Oregon only has 11 active ski areas, and the state ranks 11th-ish in skier visits, it's an important ski state. PNW skiers treat skiing like the Northeast treats baseball or the Midwest treats football or D.C. treats politics: rabid beyond reason. That explains the eight Idaho pods and half dozen each in Washington and B.C. These episodes hit like a hash stand at a Dead show. So why so few Oregon eps?Eh, no reason in particular. There isn't a ski area in North America that I don't want to feature on the podcast, but I can't just order them online like a pizza. Relationships, more than anything, drive the podcast, and The Storm's schedule is primarily opportunity driven. I invite folks on as I meet them or when they do something cool. And sometimes we can connect right away and sometimes it takes months or even years, even if they want to do it. Sometimes we're waiting on contracts or approvals so we can discuss some big project in depth. It can take time to build trust, or to convince a non-podcast person that they have a great story to tell.So we finally get to Meadows. Not to be It-Must-Be-Nice Bro about benefits that arise from clear deliberate life choices, but It must be nice to live in the PNW, where every city sits within 90 minutes of a ripping, open-until-Memorial-Day skyscraper that gets carpet bombed with 400 annual inches but receives between one and four out-of-state visitors per winter. Yeah the ski areas are busy anyway because they don't have enough of them, but busy with Subaru-driving Granola Bros is different than busy with Subaru-driving Granola Bros + Texas Bro whose cowboy boots aren't clicking in right + Florida Bro who bought a Trans Am for his boa constrictor + Midwest Bro rocking Olin 210s he found in Gramp's garage + Hella Rad Cali Bro + New Yorker Bro asking what time they groom Corbet's + Aussie Bro touring the Rockies on a seven-week long weekend + Euro Bro rocking 65 cm underfoot on a two-foot powder day. I have no issue with tourists mind you because I am one but there is something amazing about a ski area that is gigantic and snowy and covered in modern infrastructure while simultaneously being unknown outside of its area code.Yes this is hyperbole. But while everyone in Portland knows that Meadows has the best parking lot views in America and a statistical profile that matches up with Beaver Creek and as many detachable chairlifts as Snowbasin or Snowbird and more snow than Steamboat or Jackson or Palisades or Pow Mow, most of the rest of the world doesn't, and I think they should.Why you should ski Mt. Hood Meadows and Cooper SpurIt's interesting that the 4,845 combined skiable acres of Hood's four ski areas are just a touch larger than the 4,323 acres at Mt. Bachelor, which as far as I know has operated as a single interconnected facility since its 1958 founding. Both are volcanoes whose ski areas operate on U.S. Forest Service land a commutable distance from demographically similar markets, providing a case study in distributed versus centralized management.Bachelor in many ways delivers a better experience. Bachelor's snow is almost always drier and better, an outlier in the kingdom of Cascade Concrete. Skiers can move contiguously across its full acreage, an impossible mission on Balkanized Hood. The mountain runs an efficient, mostly modern 15 lifts to Hood's wild 31, which includes a dozen detachables but also a half dozen vintage Riblet doubles with no safety bars. Bachelor's lifts scale the summit, rather than stopping thousands of feet short as they do on Hood. While neither are Colorado-grade destination ski areas, metro Portland is stuffed with 25 times more people than Bend, and Hood ski areas have an everbusy feel that skiers can often outrun at Bachelor. Bachelor is closer to its mothership – just 26 minutes from Bend to Portland's hour-to-two-hour commutes up to the ski areas. And Bachelor, accessible on all versions of the Ikon Pass and not hamstrung by the confusing counter-branding of multiple ski areas with similar names occupying the same mountain, presents a more clearcut target for the mainstream skier.But Mount Hood's quirky scatterplot ski centers reward skiers in other ways. Four distinct ski areas means four distinct ski cultures, each with its own pace, purpose, customs, traditions, and orientation to the outside world. Timberline Lodge is a funky mix of summertime Bro parks, Government Camp greens, St. Bernards, and its upscale landmark namesake hotel. Cooper Spur is tucked-away, low-key, low-vert family resort skiing. Meadows sprawls, big and steep, with Hood's most interesting terrain. And low-altitude, closest-to-the-city Skibowl is night-lit slowpoke with a vintage all-Riblet lift fleet. Your Epic and Ikon passes are no good here, though Indy gets you Meadows and Cooper Spur. Walk-up lift tickets (still the only way to buy them at Skibowl), are more tier-varied and affordable than those at Bachelor, which can exceed $200 on peak days (though Bachelor heavily discounts access to its beginner lifts, with free access to select novice areas). Bachelor's $1,299 season pass is 30 percent more expensive than Meadows'.This dynamic, of course, showcases single-entity efficiency and market capture versus the messy choice of competition. Yes Free Market Bro you are right sometimes. Hood's ski areas have more inherent motivators to fight on price, forge allegiances like the Timberline-Skibowl joint season pass, invest in risks like night and summer skiing, and run wonky low-tide lift ticket deals. Empowering this flexibility: all four Hood ski areas remain locally owned – Meadows and T-Line by their founding families. Bachelor, of course, is a fiefdom of Park City, Utah-based Powdr, which owns a half-dozen other ski areas across the West.I don't think that Hood is better than Bachelor or that Bachelor is better than Hood. They're different, and you should ski both. But however you dissect the niceties of these not-really-competing-but-close-enough-that-a-comarison-makes-sense ski centers, the on-the-ground reality adds up to this: Hood locals, in general, are a far more contented gang than Bachelor Bros. I don't have any way to quantify this, and Bachelor has its partisans. But I talk to skiers all over the country, all the time. Skiers will complain about anything, and online guttings of even the most beloved mountains exist. But talk to enough people and strong enough patterns emerge to understand that, in general, locals are happy with Mammoth and Alpine Meadows and Sierra-at-Tahoe and A-Basin and Copper and Bridger Bowl and Nub's Nob and Perfect North and Elk and Plattekill and Berkshire East and Smuggs and Loon and Saddleback and, mostly, the Hood ski areas. And locals are generally less happy with Camelback and Seven Springs and Park City and Sunrise and Shasta and Stratton and, lately, former locals' faves Sugarbush and Wildcat. And, as far as I can tell, Bachelor.Potential explanations for Hood happiness versus Bachelor blues abound, all of them partial, none completely satisfactory, all asterisked with the vagaries of skiing and skiers and weather and luck. But my sense is this: Meadows, Timberline, and Skibowl locals are generally content not because they have better skiing than everyplace else or because their ski areas are some grand bargain or because they're not crowded or because they have the best lift systems or terrain parks or grooming or snow conditions, but because Hood, in its haphazard and confounding-to-outsiders borders and layout, has forced its varied operators to hyper-adapt to niche needs in the local market while liberating them from the all-things-to-everyone imperative thrust on isolated operations like Bachelor. They have to decide what they're good at and be good at that all the time, because they have no other option. Hood operators can't be Vail-owned Paoli Peaks, turning in 25-day ski seasons and saying well it's Indiana what do you expect? They have to be independent Perfect North, striving always for triple-digit operating days and saying it's Indiana and we're doing this anyway because if we don't you'll stop coming and we'll all be broke.In this way Hood is a snapshot of old skiing, pre-consolidation, pre-national pass, pre-social media platforms that flung open global windows onto local mountains. Other than Timberline summer parks no one is asking these places to be anything other than very good local ski areas serving rabid local skiers. And they're doing a damn good job.Podcast NotesOn Meadows and Timberline Lodge opening and closing datesOne of the most baffling set of basic facts to get straight in American skiing is the number of ski areas on Mount Hood and the distinction between them. Part of the reason for this is the volcano's famous summer skiing, which takes place not at either of the eponymous ski areas – Mt. Hood Meadows or Mt. Hood Skibowl – but at the awkwardly named Timberline Lodge, which sounds more like a hipster cocktail lounge with a 19th-century fur-trapper aesthetic than the name of a ski resort (which is why no one actually calls it “Timberline Lodge”; I do so only to avoid confusion with the ski area in West Virginia, because people are constantly getting Appalachian ski areas mixed up with those in the Cascades). I couldn't find a comprehensive list of historic closing dates for Meadows and Timberline, but the basic distinction is this: Meadows tends to wrap winter sometime between late April and late May. Timberline goes into August and beyond when it can. Why doesn't Meadows push its season when it is right next door and probably could? We discuss in the pod.On Riblet clipsFun fact about defunct-as-a-company-even-though-a-couple-hundred-of-their-machines-are-still-spinning Riblet chairlifts: rather than clamping on like a vice grip, the end of each chair is woven into the rope via something called an “insert clip.” I wrote about this in my Wildcat pod last year:On Alpental Chair 2A small but vocal segment of Broseph McBros with nothing better to do always reflexively oppose the demolition of legacy fixed-grip lifts to make way for modern machines. Pack does a great job laying out why it's harder to maintain older chairlifts than many skiers may think. I wrote about this here:On Blue's breakover towers and unload rampWe also dropped photos of this into the video version of the pod:On the Cooper Spur land exchangeHere's a somewhat-dated and very biased-against-the-ski-area infographic summarizing the proposed land swap between Meadows and the U.S. Forest Service, from the Cooper Spur Wild & Free Coalition, an organization that “first came together in 2002 to fight Mt. Hood Meadows' plans to develop a sprawling destination resort on the slopes of Mt. Hood near Cooper Spur”:While I find the sanctimonious language in this timeline off-putting, I'm more sympathetic to Enviro Bro here than I was with the eruption-detection controversy discussed up top. Opposing small-footprint, high-impact catastrophe-monitoring equipment on an active volcano to save five bushes but potentially endanger millions of human lives is foolish. But checking sprawling wilderness development by identifying smaller parcels adjacent to already-disturbed lands as alternative sites for denser, hopefully walkable, hopefully mixed-use projects is exactly the sort of thing that every mountain community ought to prioritize.On the combination of Summit and Timberline LodgeThe small Summit Pass ski area in Government Camp operated as an independent entity from its 1927 founding until Timberline Lodge purchased the ski area in 2018. In 2021, the owners connected the two – at least in one direction. Skiers can move 4,540 vertical feet from the top of Timberline's Palmer chair to the base of Summit. While Palmer tends to open late in the season and Summit tends to close early, and while skiers will have to ride shuttles back up to the Timberline lifts until the resort builds a much anticipated gondola connecting the full height, this is technically America's largest lift-served vertical drop.On Meadows' reciprocalsMeadows only has three season pass reciprocal partners, but they're all aspirational spots that passholders would actually travel for: Baker, Schweitzer, and Whitefish. I ask Pack why he continues to offer these exchanges even as larger ski areas such as Brundage and Tamarack move away from them. One bit of context I neglected to include, however, is that neighboring Timberline Lodge and Mount Hood Skibowl not only offer a joint pass, but are longtime members of Powder Alliance, which is an incredible regional reciprocal pass that's free for passholders at any of these mountains:On Ski Broadmoor, ColoradoColorado Springs is less convenient to skiing than the name implies – skiers are driving a couple of hours, minimum, to access Monarch or the Summit County ski areas. So I was surprised, when I looked up Pack's original home mountain of Ski Broadmoor, to see that it sat on the city's outskirts:This was never a big ski area, with 600 vertical feet served by an “America The Beautiful Lift” that sounds as though it was named by Donald Trump:The “famous” Broadmoor Hotel built and operated the ski area, according to Colorado Ski History. They sold the hotel in 1986 to the city, which promptly sold it to Vail Associates (now Vail Resorts), in 1988. Vail closed the ski area in 1991 – the only mountain they ever surrendered on. I'll update all my charts and such to reflect this soon.On pre-high-speed KeystoneIt's kind of amazing that Keystone, which now spins seven high-speed chairlifts, didn't install its first detachable until 1990, nearly a decade after neighboring Breckenridge installed the world's first, in 1981. As with many resorts that have aggressively modernized, this means that Keystone once ran more chairlifts than it does today. When Pack started his ski career at the mountain in 1989, Keystone ran 10 frontside aerial lifts (8 doubles, 1 triple, 1 gondola) compared to just six today (2 doubles, 2 sixers, a high-speed quad, and a higher-capacity gondy).On Mountain CreekI've talked about the bananas-ness of Mountain Creek many times. I love this unhinged New Jersey bump in the same way I loved my crazy late uncle who would get wasted at the Bay City fireworks and yell at people driving Toyotas to “Buy American!” (This was the ‘80s in Michigan, dudes. I don't know what to tell you. The auto industry was falling apart and everybody was tripping, especially dudes who worked in – or, in my uncle's case, adjacent to (steel) – the auto industry.)On IntrawestOne of the reasons I did this insane timeline project was so that I would no longer have to sink 30 minutes into Google every time someone said the word “Intrawest.” The timeline was a pain in the ass, but worth it, because now whenever I think “wait exactly what did Intrawest own and when?” I can just say “oh yeah I already did that here you go”:On Moonlight Basin and merging with Big SkyIt's kind of weird how many now-united ski areas started out as separate operations: Beaver Creek and Arrowhead (merged 1997), Canyons and Park City (2014), Whistler and Blackcomb (1997), Alpine Meadows and Squaw Valley (connected via gondola in 2022), Carinthia and Mount Snow (1986), Sugarbush and Mount Ellen (connected via chairlift in 1995). Sometimes – Beaver Creek, Mount Snow – the terrain and culture mergers are seamless. Other times – Alpine and the Palisades side of what is now Palisades Tahoe – the connection feels like opening a store that sells four-wheelers and 74-piece high-end dinnerware sets. Like, these things don't go together, Man. But when Big Sky absorbed Moonlight Basin and Spanish Peaks in 2013, everyone immediately forgot that it was ever any different. This suggests that Big Sky's 2032 Yellowstone Club acquisition will be seamless.**Kidding, Brah. Maybe.On Lehman BrothersNearly two decades later, it's still astonishing how quickly Lehman Brothers, in business for 158 years, collapsed in 2008.On the “mutiny” at TellurideEvery now and then, a reader will ask the very reasonable question about why I never pay any attention to Telluride, one of America's great ski resorts, and one that Pack once led. Mostly it's because management is unstable, making long-term skier experience stories of the sort I mostly focus on hard to tell. And management is mostly unstable because the resort's owner is, by all accounts, willful and boorish and sort of unhinged. Blevins, in The Colorado Sun's “Outsider” newsletter earlier this week:A few months ago, locals in Telluride and Mountain Village began publicly blasting the resort's owner, a rare revolt by a community that has grown weary of the erratic Chuck Horning.For years, residents around the resort had quietly lamented the antics and decisions of the temperamental Horning, the 81-year-old California real estate investor who acquired Telluride Ski & Golf Resort in 2004. It's the only resort Horning has ever owned and over the last 21 years, he has fired several veteran ski area executives — including, earlier this year, his son, Chad.Now, unnamed locals have launched a website, publicly detailing the resort owner's messy management of the Telluride ski area and other businesses across the country.“For years, Chuck Horning has caused harm to us all, both individually and collectively,” reads the opening paragraph of ChuckChuck.ski — which originated when a Telluride councilman in March said that it was “time to chuck Chuck.” “The community deserves something better. For years, we've whispered about the stories, the incidents, the poor decisions we've witnessed. Those stories should no longer be kept secret from everyone that relies on our ski resort for our wellbeing.”The chuckchuck.ski site drags skeletons out of Horning's closet. There are a lot of skeletons in there. The website details a long history of lawsuits across the country accusing Horning and the Newport Federal Financial investment firm he founded in 1970 of fraud.It's a pretty amazing site.On Bogus BasinI was surprised that ostensibly for-profit Meadows regularly re-invests 100 percent of profits into the ski area. Such a model is more typical for explicitly nonprofit outfits such as Bogus Basin, Idaho. Longtime GM Brad Wilson outlined how that ski area functions a few years back:The Storm explores the world of lift-served skiing year-round. Join us. Get full access to The Storm Skiing Journal and Podcast at www.stormskiing.com/subscribe

Since 1978 the Travelling Gallery has been bringing exhibitions to communities throughout Scotland by putting art inside a bus. Mark steps on board with curator Louise Briggs in Callendar Park, Falkirk, to explore the latest exhibition, Seedlings: Diasporic Imaginaries. Phil Sime speaks to blind farmer Mike Duxbury about Scotland's first inclusive farm, a place where people with disabilities can gain the confidence, skills, and opportunities to pursue a career in agriculture.BBC's Farmwatch is back to celebrate farming communities across the UK, with 24 hours of continuous broadcasting on BBC local stations on Thursday the 7th of August. Rachel and Mark are joined by producer Marie Lennon and Landward presenter and sheep farmer Cammy Wilson to chat farming life and Farmwatch stories. Rachel joins the annual Eyemouth Herring Queen celebration to meet this year's newly crowned queen and to find out why the annual tradition is so important to the local community. New Arc Wildlife Rescue in Aberdeenshire is the largest rescue centre in the North East of Scotland. This summer, the team have seen their busiest months ever, partly due to the hot weather. Mark meets Paul Reynolds to find out how the centre is managing the increased numbers of fledgling rescues.Linda Sinclair catches up with Tracey Howe in Aberdeenshire as she nears the end of her 5,000 mile walk around the British coastline in memory of her wife Angela.Mark hops aboard one of Scotland's smallest ferries and talks to skipper Dougie Robertson about the appeal of the Cromarty to Nigg crossing, a journey that takes only 10 minutes.Excisemen disappeared from distilleries in the 1980s, but Fettercairn Distillery in Angus still has a Customs and Excise office tucked inside one of the original warehouses. Rachel meets Claire Sabison and Kylie Anderson to have a look and to discover where the distillery gets its casks from.

President Donald Trump announces new tariffs across the world, just hours before his trade deadline. The death toll of Russia's bombardment of Kyiv yesterday has risen, as Trump plans sanctions. The mid-Atlantic and Northeast have been hit by torrential rain and flooding. The family of one of Jeffrey Epstein's accusers wants documents on him made public. Plus, a surge of kindergartners are missing required vaccinations. Learn more about your ad choices. Visit podcastchoices.com/adchoices

Heavy downpours cause flooding across the Northeast. Also, the White House announces sweeping new tariffs for much of the world. Plus, Justin Timberlake reveals Lyme disease diagnosis. And, the MLB to play first ever game from NASCAR Track. 

In this electrifying episode of The Marvelists, hosts Peter and Eddie dive into the heart of the Marvel Cinematic Universe with special guest Mitch Hallock, the mastermind behind Terrificon, one of the Northeast's premier comic and pop culture conventions. The trio unpacks the latest buzz surrounding the MCU, dissecting recent interviews from Marvel Studios president Kevin Feige. From tantalizing teases about The Fantastic Four: First Steps and its integration into Avengers: Doomsday to the confirmed recasting of iconic roles like Tony Stark and the X-Men post-Avengers: Secret Wars, they explore Feige's vision for the Multiverse Saga's future. Expect spirited discussions on Robert Downey Jr.'s return as Doctor Doom, the challenges of Blade's production, and the promise of lesser-known characters like Moon Knight and the Eternals popping up in upcoming projects. Mitch Hallock also shares exclusive insights into Terrificon 2025, happening August 15-17, 2025, at the Mohegan Sun Expo Center in Uncasville, Connecticut. Get the scoop on what fans can expect, from celebrity guests and comic creators to MCU-themed panels and cosplay galore. Mitch reveals how to secure your tickets for this can't-miss event—head to www.terrificon.com to grab single-day passes, weekend packages, or VIP experiences before they sell out! Tune in for a lively blend of MCU analysis, convention excitement, and plenty of Marvel fandom passion. Whether you're a die-hard collector or a casual Spidey fan, this episode will get you hyped for Terrificon and the next chapter of the MCU!

The terrific man behind Terrificon is back! That's right, we welcome Mitch Hallock to talk all things Terrificon 2025, as he prepares for the convention's milestone 10th anniversary celebration at Mohegan Sun Resort and Casino from August 8-10. Mitch discusses how his Big Fedora Marketing is bringing more guests, more surprises, and more fun to Connecticut's premier comic convention for this anniversary year, and shares his journey from comic fan to creating what has become the largest gathering of comic book creators in New England. We explore the convention's growth since its 2012 launch, the significance of Governor Ned Lamont's official proclamation declaring August 8-10 as "Terrificon Days" in Connecticut, and what fans can expect from this year's lineup of artists, writers, actors from popular films and TV shows, cosplay contests, and special anniversary programming. Mitch also opens up about the challenges and rewards of producing a major comic convention, his vision for maintaining Terrificon's reputation as one of the country's premier "real comic cons," and how the convention continues to serve as a cornerstone event for comic book culture in the Northeast.Buy tickets (now!) and see all the guests, panels, and more at terrificon.com! They're also all over social including @ItsTerrifiCon on X and @terrificon_ct on Instagram.Support the show___________________Check out video versions of this and other episodes on YouTube: youtube.com/dollarbinbandits!If you like this podcast, please rate, review, and subscribe on Apple Podcasts or wherever you found this episode. And if you really like this podcast, become a member of the Dollar Bin Boosters on Patreon: patreon.com/DollarBinBoosters.You can follow us @dollarbinbandits on Facebook, Instagram, and Bluesky, or @DBBandits on X. You can email us at dollarbinbandits@gmail.com.___________________Dollar Bin Bandits is the official podcast of TwoMorrows Publishing. Check out their fine publications at twomorrows.com. ___________________ Thank you to Sam Fonseca for our theme music, Sean McMillan for our graphics, and Pat McGrath for our logo.

Send us a textDave Sheehan has been doing stand-up yin New Haven, Conn., for more than two decades. He started with improv and made some friends and then dipped into stand-up. He's also been studying martial arts for the last 15 years and has a black belt. He works all over the Northeast, using his mix of one-liners and observations to help make a name for himself. Follow Dave Sheehan: Instagram: https://www.instagram.com/shroudofsilence/TikTok: https://www.tiktok.com/@shroudofsilenceYouTube: https://www.youtube.com/channel/UCh6Gpp4xoNkS_ASV_Aky-_QWebsite: https://davesheehancomedy.com/Support the show

President Trump announces new tariffs on dozens of countries. Northeast flooding. Anguish over Texas flood response. CBS News Correspondent Cami McCormick has today's World News Roundup. To learn more about listener data and our privacy practices visit: https://www.audacyinc.com/privacy-policy Learn more about your ad choices. Visit https://podcastchoices.com/adchoices

AP correspondent Mike Hempen reports areas of the Northeast are recovering from strong rain storms that lashed the East Coast Thursday.

Trump Order Formalizes Tariffs on Dozens of Countries; Part of Northeast Flood with Torrential Rain | NTD Good Morning

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I'm joined by Alon Levy of NYU's Transit Costs Project, whose work documents how expensive it is to build transit in the US relative to the rest of the world. We discuss how countries like Spain and Italy build cheaply by relying on in-house public expertise and standardized designs, while the Anglosphere is captured by a costly ideology of privatization. Levy explains how applying these lessons could make ambitious projects like high-speed rail in the Northeast not just possible but affordable. This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit www.volts.wtf/subscribe

Third in the REWIND! series - where we re-release / revisit / reanimate old episodes for new listeners/viewers, or fans that want to take a stroll down memory lane and relisten to some old standout episodes of the Big Truth Podcast !  This Episode was originally released on August 4, 2020 In this episode, Truth talks with Chris Pittman – a Massachusetts based paranormal investigator, historian, amateur archaeologist, as well as vocalist for the punk band “Who Killed Spikey Jacket”.   Chris has a long history of studying UFO's (personally and with MUFON)  and paranormal phenomena.  He's known for his historical contributions to, and appearances on, the TV show “Ancient Aliens” as well as the documentary film, “The Bridgewater Triangle”.  He has also lectured extensively and contributed articles to numerous newspapers and publications as well as curated websites on his research. Currently Chris is focusing more on historical research as well as archaeology in the Northeast – particularly in regards to Native American sites and stone structures. The two discuss punk rock and the divisiveness in the scene nowadays – as well as general divisiveness in the country;  covid stuff; Chris's background in paranormal research – how he got into it, his experiences with it, and a real heavy discussion about the experiences that led to why Chris chose to stop actively investigating UFO's; regression analysis; negative experiences/encounters with non-human intelligences, bigfoot tie-ins, synchronicity, the Bridgewater Triangle and the strange phenomena there, and his current interests in regards to historical / colonial UFO cases as well as Northeastern archaeology/Native American sites.  For more info on Chris: IG: @amongthedeadcities / @fromantquity http://www.cellarwalls.com http://www.cellarwalls.com/ufo   As always, please hit the subscribe button if you like and support what we do! You'll get early access to new episodes! Also please leave a review!   Follow us on IG: @bigtruth TikTok: @bigtruthpodcast YouTube: @thebigtruthpodcast   For feedback, questions, sponsorship info contact: bigtruthpodcast@gmail.com For more info: http://www.bigtruthpodcast.com To support the show: http://www.patreon.com/bigtruth    The Big Truth Podcast is proudly sponsored by: - Choppahead Kustom Cycles (IG: @choppahead / www.choppahead.com) - Jeffrey Glassman Injury Attorneys ( www.jeffreyglassman.com )  IG: @gottagetglassman - Tattoo Flash Collective – www.tattooflashcollective.com – use promo code: BIGTRUTH for 10% off your order - Omerta (IG: @omertamia / www.omertamia.com) - use code: BIGTRUTH at checkout for 20% off your order! - Heavy (IG: @heavyclothing / www.heavy.bigcartel.com)  

A real-life maritime mystery meets true crime tragedy in this jaw-dropping case that rocked the Northeast. In 2016, Nathan Carman was rescued from a life raft after a supposed boating accident that left his mother, Linda, missing at sea. But behind the headlines of survival was a far more sinister story—a wealthy family, a cold case grandfather's murder, suspicious inheritance battles, and a twisted trail of lies. From the unsolved 2013 shooting death of Nathan's grandfather, real estate mogul John Chakalos, to the eerie circumstances surrounding the fishing trip that ended in Linda's disappearance, this case left investigators—and the public—wondering: Was Nathan Carman the unluckiest man alive… or a calculating killer? We'll dive deep into the family dynamics, forensic evidence, and courtroom drama—including the insurance fraud, the Slayer Rule petition, and Nathan's shocking death behind bars before trial. Learn more about your ad choices. Visit podcastchoices.com/adchoices

Investigators have alleged that the gunman responsible for the deadly midtown shooting may have had the condition known as CTE. Dr. Jon LaPook breaks down what the disease is. How higher prices for materials are impacting local "Made in America" businesses. The extreme heat continues in the Midwest, the Southeast and some parts of the Northeast. The heat alerts will remain in effect through Thursday in some places. To learn more about listener data and our privacy practices visit: https://www.audacyinc.com/privacy-policy Learn more about your ad choices. Visit https://podcastchoices.com/adchoices

Keith discusses the impact of inflation and interest rates on real estate investing, emphasizing passive income strategies.  He highlights the Florida housing market, noting a 26% increase in listings post-pandemic.  Investor and Florida homebuilder, Jim, joins this episode to explain the overbuilding in the emotional market versus the underbuilt workforce housing.  His company focuses on new construction in areas like Ocala, offering 40-year loans with 5.25% fixed rates, and boasting an average tenancy duration of over three years. They also provide two years of free property management and a 10-year builder warranty. Resources: Schedule a free strategy session with a GRE Investment Coach to evaluate the opportunity at GREinvestmentcoach.com Show Notes: GetRichEducation.com/564 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  You get paid first: Text FAMILY to 66866 Will you please leave a review for the show? I'd be grateful. Search “how to leave an Apple Podcasts review”  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— text ‘GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Automatically Transcribed With Otter.ai    Keith Weinhold  0:01   welcome to GRE. I'm your host. Keith Weinhold, what control do you have over inflation and interest rates? Then, with the Florida housing oversupply and resultant attrition and price levels, wouldn't it be interesting to talk to a prominent Florida homebuilder? That's just what we do today on get rich education.   Speaker 1  0:27   Since 2014 the powerful get rich education podcast has created more passive income for people than nearly any other show in the world. This show teaches you how to earn strong returns from passive real estate investing in the best markets without losing your time being a flipper or landlord. Show Host Keith Weinhold writes for both Forbes and Rich Dad advisors and delivers a new show every week since 2014 there's been millions of listener downloads in 188 world nations. He has a list show guests and key top selling personal finance author Robert Kiyosaki, get rich education can be heard on every podcast platform, plus it has its own dedicated Apple and Android listener phone apps build wealth on the go with the get rich education podcast. Sign up now for the get rich education podcast, or visit get rich education.com   Speaker 2  1:12   You're listening to the show that has created more financial freedom than nearly any show in the world. This is get rich education.   Keith Weinhold  1:28   Welcome to GRE from coral, Illinois to Cape Coral, Florida and across 180 nations worldwide. I'm Keith weinholden. You are inside for another wealth building week. This is get rich education, the voice of real estate investing since 2014 with inflation on the upswing and is currently approaching 3% again, the formula is small. Down payment. Bank buys you the house. Tenants pay down the loan. Property Manager handles nearly everything. You collect cash every month. Inflation builds you massive wealth, and that's real estate, all right. And no one really knows what's going to happen with inflation and interest rates, those two positively correlated indicators, but at times we have an illustrious guest that will make a prediction. And GRE episode 224, from January of 2019 has been getting some attention lately. That's back when interest rates of all types were really low, and when I interviewed legendary investor Jim Rogers in Singapore, listen in to what he told you, and I on that episode, then   Speaker 3  2:49   you ask me, we're now headed up again, and interest rates are going to go go much, much, much higher over the next few decades, and it's going to ruin a lot of people. I hope none of your listeners get ruined. I hope I don't get ruined, but rising interest rates are here for a long time. Keith, be worried. Be careful.   Keith Weinhold  3:08   Yeah, some real Jim Rogers prescience there in Episode 224 he has seen some cycles. Now as investors, we've got regional phenomena and national phenomenon mortgage rates. They're a national one, because more or less, whenever you finance property anywhere in the nation, your rate is going to be the same nationwide. Perhaps you feel then like you don't have any control over your mortgage rate. Well, I've got two points to that. First, understand that today, mortgage spreads are almost back to normal. Now, what does that mean? Mortgage spreads from listening to the show, you probably know that the mortgage rate you pay is dictated more on the level of bond yields than it is the Fed funds rate that your own Powell controls. Well, 30 year mortgage rates are historically almost 2% above the bond yield, meaning they're 2% above the yield on the 10 year T note, okay, that's the bond yield. The spread was recently above 3% now it is down to about two and a half. To be clear, mortgage rates are now just about two and a half percent above bond yields in this narrowing, that means there's more investor confidence in the mortgage market, and that suggests that lenders are willing to offer loans at competitive rates without succumbing to volatility. So lenders are less concerned about the risk of you quickly refinancing out of the loan that they just worked to make for you, the translation is that this opens the door to make it easier for mortgage rates to fall to 6% and they've been nearly seven for a while. Though I don't predict rates. I'm speaking about probabilities here. Now some people want to lock up property before rates fall, because when rates fall, many think home prices will surge because more people can afford property than higher demand. And I think we all know that the conventional wisdom is to lock in your price now and then if rates fall, you refinance. Conversely, if rates go higher, well then you'll be glad you bought today when rates were lower. But today we're talking about how you can really control the mortgage rate you pay when you work with a builder that won't only see that your mortgage rate gets bought down, they'll ensure that they are the ones paying for the pie down, not you. That's key, as we talked to a home builder in Florida today, a state that makes headlines for being overbuilt, it's a case study in how a market gets to an overbuilt condition, or does it really get overbuilt? It depends on this segment of the real estate market that you're focused on as an investor, as you'll see today, let's meet this week's guest.    Keith Weinhold  6:05   I'd like to welcome Jim onto the show today. He's one of the founding partners of a prominent Florida home builder. They built over 9000 residences, and they have 120 plus full time employees, and it's been such an interesting time in Florida home building and the real estate market, so that's why we're chatting today. Hey Jim, welcome onto the show. Keith, great to be back. Thanks for having me. Let's talk about the problem statewide. Florida has about 26% more listings, more available housing inventory, as compared to pre pandemic levels. That's created some problems, some price attrition. Talk about, why did Florida get over built? Or are they not truly overbuilt when we segment that by product type.   Jim Sheils  7:02   Well, like you said, Keith, product type is really important to decipher here, because it does help dissect the problem a little more clearly. There's a lot of different markets happening, but two of the main things that I've seen that have caused the softening of certain segments of the market is one insurance if you are buying a 1957 home in southwest Florida, a few blocks from the beach, it is possible that your insurance has gone up four to five times. Yeah, the annual thing. So that is going to really start to shake people who own those properties. They're going to feel a little triggered to sell, and it's going to be more difficult to sell, because if you have an agent go and show that property and they ask for a good faith estimate from a lender, and they say, Well, what's your current insurance? That can really scare people. So that type of property normally properties older before 2004 when the rules changed, with higher insurance, that can change it. The second thing is, the emotional market always seems to take a hit, Keith, and I've heard you talk about this before. Now, the emotional market that I talk about is we have our median value in any of the real estate markets, right? And you go about 25% above the median, maybe 30% above the median values. That's what I call the emotional market. These are the really nice houses that are fun to visit. You know, nice to stay in, nice to live in, but they are emotional. This is an emotional market. The cash flow numbers have never worked. They're not on the ultra high end that those people normally own cash and they don't really care the fluctuation. It's that level above the median where I see the emotional market really take the hit, because when the emotion comes out, while the people it's harder to sell to find the buyers, especially with the rates jumping the way that they have over the last two years, there's not the ability to sit back and say, Well, you know what, Keith, I'm just going to hold this and rent it, because their negative position, their negative cash flow every month, begins to sink them quickly, and so that's where you see that pressure downward on that emotional market. If that makes any sense.   Keith Weinhold  9:06   did Florida really get ahead of itself with the increase in pandemic migration? Was there more building because they projected that high migration rate to continue, and it just didn't. Is that why areas of Florida are overbuilt.   Jim Sheils  9:22   What I believe happened was the migration was there, Keith, but again, you have to look at the sectors of the market. Now, when you're looking at a large national home builder, their goal is to sell the property with the greatest profit spread. It's just that simple, and those are the properties when times are good and times are hot, this emotional market, you know, 20, 30% above the median value for an area that's a very easy time to promote and to sell those types of properties and make the best spread for them. And so, yes, in that area, they got ahead of themselves, because it was easy to market to, easy to promote to. And again. In. Some people untrained investors, or people just emotional and saying, Well, I'm gonna have a second home in Florida, and I'll get there more often than I think I will. That causes that issue now, but going to the lower segment, like the workforce housing, like you and I have talked about, well, that has been underprepared for the migration and affordability. That is my word of the year, affordability, the affordable housing, the workforce housing. When you look at the stats, I think it was last year we found the stat that for every 25 workforce housing, new construction workforce housing, there's 100 renters. And so the workforce housing has been underdeveloped, and why? You know, we're a niche builder. It's very rare for a builder like us to focus on workforce housing. That's not the focus of many of the larger builders. They're on that more emotional market. So that's where we focus. But with builders like us focusing on that, no one else that part of the market, Keith has been under supplied, actually in the last few years, because the net migration didn't need those emotional houses. They needed the workforce housing.   Keith Weinhold  11:05   This is a great distinction. We can look at a stat like there's 26% more available housing inventory in Florida statewide than there was pre pandemic, but you've got to parse that by product type, workforce housing, which you specialize in, including build to rent, housing has not been oversupplied, not nearly to that same extent. It could even be undersupplied, depending on where you're at. These are the properties that make the best long term income properties. I hope you the listener caught it there. Jim gave an important date. 2004 is a key year when there were changes to building codes, which results in what your insurance premiums are going to be. Tell us more about that.    Jim Sheils  11:50   Yeah, 2004 right through Punta Gorda, Florida, where we build now. There was Hurricane Charlie came through. My dad's cousin, I have actually lived there at the time. I mean, that place got decimated. Keith, it got absolutely decimated, and the government called timeout. They said, timeout. Okay, we got to stop this. New rules. Moving forward, we're going to change the structural design requirements. We're going to change the elevation requirements. This is the big one. So you know, back in the day, you and I, if we were back in 1962 in Fort Myers, Florida, we could build a house at two feet or three feet above sea level. Those days are gone. If you're going to build a property like going back to Punta Gordon, now today, you have to build it 13 to 14 feet above sea level. So that means builders like us got to bring in a lot of dirt, and we grumble and complain about it until a storm goes through and we have no flooding on any of our properties. But that was a requirement, then stronger fasteners and structural design, because they just didn't want that risk or this type of damage. And it's been interesting, because they've been two hurricanes, you know, since 2004 that have really gone right over the eye. The main power of the storm has gone through. Punta Gorda. I've actually showed this on some videos that we've done on YouTube, like the flyover the next day, and you would think, Oh, well, maybe there was like a strong wind that went through, because there's palm fronds down and some fencing, but the houses are intact, and it's because things had to be rebuilt to today's standards. So I always tell people, hey, you know, we'd love to help you get a house, but if you're just going down there to find a house, I would highly recommend you look at the elevation and look if your house was built before the year 2004 or after, because that is really when things started to change. Not that a house earlier might not have what you're looking for, but elevation is such a key component when you're near coastal areas in Florida, the elevation of your home.   Keith Weinhold  13:41   Is it that simple? Pre 2004 you're likely to pay substantially higher insurance premiums on your Florida property than you are if the build year was 2004 or later.   Jim Sheils  13:52   It's a main component, Keith, another component will be to that is, you know, how close are you to the beach? If you're within, you know, a half a mile of the beach that can have an on lower ground of an older property, those combinations for risk analysis for an insurance company will come up not in your favor, and so you have to put that into account too. Again, the further you move inland, especially the further you move north, and the further you move inland in Florida, the insurance premiums go down because the risk assessment of the last 100 Years of hurricanes has been so much dramatically lower of actually causing issue.   Keith Weinhold  14:29   We'll talk about the Florida areas that you build in later. But first, let's just pull back. Talk about statewide. How bad is it? How bad is it with the overbuilt condition in some segments of the residential market, and how that's led to price attrition, a lack of rent growth or rental occupancy rates that are hurt potentially. Can you speak to that? How bad is it now,   Jim Sheils  14:54   again, going to the segment of the emotional market, so we're talking 20 to 30% above the median. In price in an area that's going to be bad, that's where you're going to have to have downward pressure. You're going to have to your property may have appreciated Well, if you did in 2020, but you're not selling a peak pricing. You're going to have to come off your numbers a good amount, because there's not as many buyers. And also, you got to remember, coupled with that pricing coming down, it's also the interest rates we got pretty spoiled. You know, three and a half percent interest rates, two and a half percent interest rates for some homeowners, that's just not the norm now. So when you're going off those numbers, the affordability, the ability to make that payment, has really been affected. So that emotional market, I think we're going to see a continued softening in that and again, in that emotional market too. To what I saw was, and I own some short term rentals, and I like short term rentals, but what we saw there was a rush, like, almost like a California gold rush, here in Florida, to people coming in and buying what they consider a short term rental, which was not really desirable for short term rent. It could get a few people here and there, but they would buy it, this emotional market, and then the numbers wouldn't work out. Now that, as well, is starting to put pressure on people saying, Oh, I'm losing so much money every month. Let's just sell and again, that emotional market, that area, 20, 25% 30% above median value. That's where we're seeing that. So you're going to see some pressure downward of that, I'd say at least another 10% because there's already been a dip in some areas 15 to 20% so there has been a correction in those and I think we'll continue to see that until some of this stabilizes.    Keith Weinhold  16:32   Talk to us about how the rental segment's doing, statewide   Jim Sheils  16:36   rental, we saw a stagnation for about a year and a half to two years, and just in the last six months, we've seen an increase in some of our main markets here. Again, when I say they main markets here, I'm always speaking, because that's what we stick to, the workforce housing. So we've seen workforce housing some of our main central Florida markets and some of our Northeast markets go up another 50 to $100 which was great, because it was stagnant for about two years. About two years. And then you'll see a continued dip of probably, you know, 10 to 15% on some of that emotional market rentals, because now there's a rush to try to rent them, and again, there's not as much of a demand for that segment of the market.    Keith Weinhold  17:17   We're talking with a prominent Florida home builder about Florida's temporarily overbuilt residential housing type. We've already learned that 2004 is a key year for what your insurance rates are likely going to be. We've also learned about how you need to segment these residential housing markets between workforce housing and the emotional side of the market. You're listening to get rich education more when we come back on Florida real estate, I'm your host, Keith Weinhold.   Keith Weinhold  17:46   the same place where I get my own mortgage loans is where you can get yours. Ridge lending group and MLS, 42056, they provided our listeners with more loans than anyone because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage. Start your pre qual and even chat with President Chaley Ridge personally while it's on your mind, start at Ridge lendinggroup.com that's Ridge lendinggroup.com.    Keith Weinhold  18:18   You know what's crazy, your bank is getting rich off of you, the average savings account pays less than 1% it's like laughable. Meanwhile, if your money isn't making at least 4% you're losing to inflation. That's why I started putting my own money into the FFI liquidity fund. It's super simple. Your cash can pull in up to 8% returns, and it compounds. It's not some high risk gamble like digital or AI stock trading. It's pretty low risk because they've got a 10 plus year track record of paying investors on time in full every time. I mean, I wouldn't be talking about it if I wasn't invested myself. You can invest as little is 25k and you keep earning until you decide you want your money back. No weird lockups or anything like that. So if you're like me and tired of your liquid funds just sitting there doing nothing, check it out. Text family tp 66866, to learn about freedom. Family investments, liquidity fund, again. Text family to 66866,   Kristen Tate  19:29   this is author Kristen Tate. Listen to get rich education with Keith Weinhold, and don't quit your Daydream. You   Keith Weinhold  19:46   welcome back to get rich education. Jim is with us, a prominent Florida home builder, and it's so interesting to talk to a home builder today because you think a Florida is overbuilding Ground Zero, even though, paradoxically. Nationally, we're still in a somewhat under built condition, where there's somewhat of a lack of available housing supply. Now, back on our April 28 show, exactly three months ago today, which I know that you listened to Jim, that show was titled, is Florida real estate doomed? And the short answer is no and I gave a number of reasons for that. You don't want to catch a falling knife as an investor. One prominent reason that Florida real estate is not doomed, and you're not catching a falling knife, and this is so close to being 100% predictable, is the fact that the growth is going to be there. It always has been in Florida, the in migration has been remarkable. If you go back and look at every census over about the last 200 years, since 1830 Florida has grown substantially every single census, oftentimes and usually at a rate greater than the national average. So in migration is almost certainly going to continue, which, over the long term, will put upward pressure on prices, upward pressure on rents, and help with rental occupancy as well. When you have a vacancy, that next incoming tenant is going to be there, I think that's about as close to predictable as it can possibly get. So talk to us more about the dynamics in Florida and the in migration.   Jim Sheils  21:26   It's funny, Keith, last year the net migration, and you can check through all the stats out there. The net migration number for Florida, that means more people, obviously coming in than leaving, and the surplus was just about 470,000 so we still have a growth of 470,000 and people have set up. Florida. Net migration is over. And I'm going, well, it was pretty superb during the pandemic, but to say it's over when it's about a half million up from last year, I think would be a misconception for at the very least. So we feel the people are still coming, and we're asking, what kind of housing do they need? Do they need that higher end, emotional market housing? Not what we're seeing, what they're needing is affordability. They're going to areas where there's still great job source, there's still great affordability, and that's what we look for. Where can we still build a new construction, single family home for under $300,000 and have great job source close by. That's one of the things that we look for. Also, where is there that under supply of that workforce housing? There are very key markets in Florida that you know about that we build in. We're saying, yeah, there's lots of stuff on the market up there, but there is no supply of this workforce housing. We're going to keep building. And as you know, we have not stopped building the last two years, when a lot of people have run for the sidelines because they weren't in our sector of the market.   Keith Weinhold  22:48   Of course, you're very strategic about where you build geographically. Talk to us about where those places are   Jim Sheils  22:54   right now. Keith, my pick of the year has been the greater Ocala region, and I know we've been working with a lot of GRE folks in that region. Couple of reasons why, still had the strongest migration of any area in the US. And you can look that up. U haul had it as number one destination place. This was when I say greater Ocala. I look at Ocala, citrus springs, Inverness, that central Florida area. You know, still in some of those markets, Keith, we're building homes for 200 60s, 270,000 that's new construction, and enabled to get great rent and great financing, which no we'll talk about. And the job source is remarkable right now. In fact, interesting statistic, Keith, I know you watch this closely. In Ocala, the median price of a home is just around 300,000 main Ocala, you can get cheaper when you go out to citrus springs and Inverness, down to the 260s 270s but the median family income is 72,000 and when you look at that, that is a very good affordability index. That's very high average family income compared to a low median price, and that's bringing in more jobs. That's bringing in more security. Couple that with Central Florida being one of the lowest hurricane risk zones in the state. It's the highest ground. It's the furthest inland, in fact, to ensure a single family home on average in that area, about $65 a month for full coverage, wow, for a duplex, $105 a month, full coverage. And that's the advantage of new construction buying in the right areas or low hurricane risk zone and great job source coming in. So my favorite market right now, Keith, is that Central Florida, Ocala, citrus springs, Inverness, that's where we're building. Oh, that's also when people say it's overbuilt. Well, no, because we know that we're actually building for a few of the big institutions that have way bigger analysis departments than we do, and they're seeing that it's so behind on housing that people are finally going in. It was kind of an overlooked market all through the pandemic for the most part, and now it's finally getting people's attention.   Keith Weinhold  24:58   A couple months ago. On the show, I shared how a close friend purchased a new build Ocala duplex through you, the rents he got were even a little higher than you projected, and his insurance premium is $694 again, this is for a duplex. I forget. I think the purchase price was 400 to 420k on this new build property.   Jim Sheils  25:23   Yeah. And it's funny when people, we have lots of investors coming from all over, but I was in California's, know, for years. And when people hear a quote like that, like that, you just said 650, $6 they think that's for the month. And I say, No, no, no, that's for the year. And again, that's the misconception now, but you could pick up and you could go to a coastal area again, like I said in a 1952 duplex built at two feet above sea level that's had hurricane issues before, and your insurance could be $8,000 a year. Yeah, that's where you have to really shop before you actually pull the trigger on property. What are the taxes? What are the insurance? I mean, this is going back to core play, core strategy, but it's something you really have to look at   Keith Weinhold  26:07   talk to us about the product types that you're offering, all new build, and what percent of single family, duplexes and larger   Jim Sheils  26:15   the main majority of what we're building right now is single family and duplex. The numbers work great. They're in high demand. You know, duplexes are a pretty interesting product, Keith, because you can put them in single family home neighborhoods, and, you know, families that couldn't normally rent, afford to rent a full house there, can avoid an apartment building, still feel like they have their own home and afford to be in that neighborhood. So I'd say 80% of what we're doing is a combination of single family home and duplexes, and then, as you know, we still are building some of our quads, our four unit buildings in some areas of northeast Florida, like Jacksonville,   Keith Weinhold  26:50   expenses have obviously been on the mind of real estate investors. More so since interest rates doubled to tripled in 2022 you're selling to investors. Investors need the numbers to work. Since they're not in the emotional market, we're in the market where we're looking at numbers, and that biggest expense, of course, is your mortgage principal and interest. So you found a way to deal with high insurance premiums, because on most or all of your properties that you sell to investors, those insurance premiums are excessively low. Talk to us about what you've done with the mortgage rates, for investors   Jim Sheils  27:27   it's such an important point here, Keith, I remember hearing a warren buffett thing years ago saying, Well, I'm not really in the real estate and that, but for me, when I look at it, a house is worth what it can rent for. And that always stuck with me being Warren Buffett, even though he's not heavily invested in real estate like we are. But for get his sage advice on that that's always stuck with me. So when you're getting a property, yes, you want to have fair price, but the terms around it that actually produce the cash flow, or what's the condition of the property, where is it? But then the other fundamental numbers, what is your insurance? What are your taxes? And then the final big thing is, if you're leveraging, which I encourage, what's your mortgage? And so as you know, we're probably as obsessed with financing as we are with building right, cuz that's our model. We gotta build right. We gotta finance right. So we're always looking for the most advantageous programs where we can team up with banks. They'll allow us to pay an abnormal amount of points, which means discount points that we will pay, not the buyer, we will pay for our buyers to get the rate the lowest and most advantageous. We don't like short term teaser loans, where your rate's going to adjust in 18 months or two years. We saw a lot of people get in trouble with that, at least I did back in the Oh 708, days. So we want long term financing and low interest that's going to produce a cash flow, even though it's new construction from day one. And so right now, our newest program, as you and I have been talking about very excited, is actually a 40 year loan. It's a 40 year loan. We're paying the rate down. Right now we're at five and a quarter. A few weeks ago is at 4.75 so it does fluctuate back and forth. But here's what's exciting, Keith, you're leveraging into a new construction property that has longevity and durability. The first 10 years. Interest only the next 30 years is a 30 year AM, 30 year fixed at five and a quarter. So when you start to do the numbers and go through it, we're almost doubling cash flow on our single family homes and duplexes for people in areas like Ocala, and that makes such a difference to getting them off on the right foot.    Keith Weinhold  29:32   This is a key distinction. Rather than focusing on slashing the price and your properties are already affordable, you buy down that rate by purchasing discount points to buy down that mortgage rate for the investor at the terms that you just described. Builders often like this more. They don't want to cut their prices, because that can become a comparable and lead to a downgrade in values. And investors actually like it more as well, because rather than discounting the price. A little more. It helps the investor more. When you buy down that rate and you do it for them, they are not the ones participating in the rate. Buy down you, the investor. You're paying the closing costs like origination fee and title insurance and things like that. Okay with those 40 year loan terms like you laid out fixed interest only for the first 10 years, and then after 10 years, it transfers to a 30 year fixed, amortizing loan, still with that same rate locked in. Is that right?   Jim Sheils  30:29   That's correct. So there's no sometimes people think, oh, then it's going to trigger upwards several percent. It stays the same the whole 40 year term. We just go from interest only to principal and interest and again, you know, because you talk about the leverage all the time, the most important time to really solidify the strength of an investment and get cash flow going. The most pivotal time is in those first few years. Yeah, we feel we're really giving people that strong foundation to get a cash flowing right off the bat and be able to look long term. The great thing about new construction is people say, Could you hold it that long? I said, I'm planning to with some of my new constructions. Hopefully I'll be a little old man or my children will own them. But you can look out that far and know that you're jumping your cash flow in those initial years when a lot of people may be falling backwards. In fact, when we talked about those emotional markets where people bought higher end properties because they looked good and they felt good to walk through, and then all of a sudden they're bleeding month in, month out for a year, two years, three years. That's when they're ready to wave the white flag. We find with our model, with getting that rate really low, we're accentuating the cash flow forward those first few years, Keith, so they're ready to keep going after a few years, instead of raise the white flag.   Keith Weinhold  31:41   Yeah, when we think about how you're helping investors here while moving product at the same time, the number of problems that are solved are remarkable because you're solving the higher mortgage rate problem by buying down the rates. You've got a low rate, you've got a low insurance premium, you as the investor are almost certainly going to have low maintenance and repair costs since it's new build. And what else do you do when it's new build? The tenant, when they move in, they're the first person that's ever lived in that property, which probably means they're going to have a longer tenancy duration, because it's hard to move up and move into something better than the product you're offering, especially with low affordability for first time homebuyers. In fact, tell us about your average tenancy duration   Jim Sheils  32:21   yeah. So as you know, Keith, I did a ton of fixer uppers. First 15 years of my career, I wore that rehab badge on my shoulder with pride. I loved rehab and old houses. And look, that's great. That's a great way to get going. But I transitioned into new construction a decade ago, and so we've been able to do a lot of comparisons. And you know, back in the day, when I was fixing up lots of properties and renting them out, the older properties, my average tenant would stay about 13 months. It was a little over a year, get them for a year, and then there was move. But that was the average 13 months. Looking back now, and we've been doing this almost a decade. When you look at our new construction model, that went from an average of about 13 months to just over three years with our new construction product. So as you know, if all of a sudden we're pushing back that first move out from a year or 13 months to over three years, that's a tremendous way again to get the right footing and directional on your investment. So that was a really pleasant surprise. I did not expect going to new construction, but jumping from a year to three years has been a nice surprise.   Keith Weinhold  33:24   This brings to mind for you as a passive investor, it's sort of analogous to buying an existing business or starting a new one from scratch yourself, whether it's a rental car company or a tomato farm. You know, a lot of people wouldn't think about getting into business, they think about buying their own business, starting it from scratch, and that's really difficult to do when you're an investor. This way, you're not doing a fix and flip yourself, which is analogous to starting your own business from scratch. You get to buy someone's existing business. You're buying an existing property, a new build one, in this case, and that way you can look at all the financials already and have it be done for you in that all done for you sort of way, just like it is here. Well, Jim, do you have any last thoughts about the Florida real estate market today, especially with the lucrative product type that you're offering to investors?    Jim Sheils  34:16   I would just remind people do your homework, because there's apples and there's oranges, and you gotta compare the two, and you have to do the homework on which segment of the market is healthy and which one is not. I wouldn't recommend you invest in the unhealthy segment of the market, but look where the fundamentals are working. And go back to that term, a house is worth what it can rent for. And if you can look at that, and also couple with stability of new construction, this is where we've seen ourselves make the most money most success with the least amount of time for our investors. So I highly encourage that recipe for anyone out there.   Keith Weinhold  34:53   In addition to being a builder, Jim's company also holds properties under management. For investors, just like you, they offer that for you. For the long term, they have over 1000 current investors, many of them are GRE listeners. You can learn more about the provider at GRE marketplace under Florida statewide, but to get a free strategy session about the latest in what they have for available inventory, and also to compare this provider to other providers, the highest flex, the highest ROI move that you can make yourself as the listener for your due diligence is to connect with a GRE investment coach. It's free at GRE investment coach.com, oh, it's been valuable. Jim, thanks for coming onto the show.   Jim Sheils  35:38   Thanks for having me. Keith.   Keith Weinhold  35:46   Oh, yeah, hearing it straight from a builder today. And you know, a lot of builders create these nice looking, emotional Type homes, the same ones that appeal to owner occupants. They build those higher end homes because they create more builder profit. Well, that's the segment that has become overbuilt today, this build to rent provider we're talking about here is dealing with a public that reads these articles about the Florida slowdown, though things are still good in this workforce housing market. Well, because the public reads headlines, this builder still has to step in with incentives. So really, this is a case study on what a home builder needs to do to adjust to public perception more so than the reality. That's why Jim and his company keep building when others are they keep building because they keep selling to savvy investors, including you, the GRE listener, conversely, the overbuilt emotional market segment, that's where Florida single family home prices are often about 500k or more, and many of them have stopped building. It's that here, with this workforce housing, brand new, single family rentals sell for the high 200k to 300k range in the three hundreds and duplexes in the four hundreds. We've been working with this provider for nearly a decade, and I've asked them, what can you do for GRE listeners? And these are the best incentives yet, is they basically are making discounts in your favor to deal with this public perception. And they are an interest rate buy down that they make for you, like we mentioned, currently to five and one quarter percent. They're also giving GRE listeners two years of free property management, a rental Protection Program, a six month eviction guarantee and a 210 builder warranty. When you see a builder warranty expressed that way, that means they cover two years on the small stuff, 10 years on the big stuff. The latest pro forma that I saw for their single family rentals had a purchase price of 325k and a cash on cash return of nearly 7% when you include all those generous incentives. So if you're looking for a new market to expand into the time and place could very well be here and now, some people wait for blue sky and everything to be perfect before they act well, that never happens. This is about as close as you'll get today. You'll either keep what you've got or change what you're doing here, Jerry, we constantly shop the nation for you. Our coaches help show you where those deals are that they found. And this is a potential opportunity. Here you can get on the calendar of one of our investment coaches for free. And if you like, start by asking about Florida new build property with all the incentives that you heard about here on GRE podcast, 564 at GRE investment coach.com until next week. I'm your host. Keith Weinhold, don't quit your Daydream.   Speaker 4  39:09   Nothing on this show should be considered specific, personal or professional advice. Please consult an appropriate tax, legal, real estate, financial or business professional for individualized advice. Opinions of guests are their own. Information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of get rich Education LLC exclusively.   Keith Weinhold  39:32   You know, whenever you want the best written real estate and finance info, oh, geez, today's experience limits your free articles access, and it's got paywalls and pop ups and push notifications and cookies disclaimers, it's not so great. So then it's vital to place nice, clean, free content into your hands that adds no hype value to your life. That's why this is. The Golden Age of quality newsletters, and I write every word of ours myself. It's got a dash of humor, and it's to the point because even the word abbreviation is too long, my letter usually takes less than three minutes to read. And when you start the letter, you also get my one hour fast real estate video, course, it's all completely free. It's called the Don't quit your Daydream. Letter, it wires your mind for wealth, and it couldn't be easier for you to get it right now just text gre to 66866, while it's on your mind, take a moment to do it right now. Text, gre to 66866   Keith Weinhold  40:48   The preceding program was brought to you by your home for wealth, building, getricheducation.com