Podcasts about northeast

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In this episode, we're joined by Dr. Garima Dosi for an important conversation on vascular disease in women. We dive into how vascular conditions present differently in women compared to men, explore key risk factors, and discuss current approaches to diagnosis and treatment. Dr. Dosi also shares insight on the broader implications of vascular disease and what women should know to protect their health.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. 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!

Respite is on the horizon after a week of intense heat scorched much of the Northeast and Midwest. Also, CIA backing President Trump's claim that Iranian nuclear sites were “severely damaged.” Plus, Emilie Ikeda investigates the resurgence of certain bug species — and how to protect yourself and your family from unwanted pests. And, Vicky Nyguen dishes out the best Fourth of July food deals and barbecue savings ahead of the holiday weekend. 

In this episode, Benoy Thanjan speaks with João Barreto, CEO of EDPR NA Distributed Generation, at the ACORE Finance Forum. They explore the rapid evolution of distributed generation (DG) in the U.S., community solar market trends, and how EDPR is deploying capital to meet growing clean energy demand. Topics Covered: The origin and growth of EDPR NA DG and its 12 GW+ installed capacity in North America Why distributed generation is a key complement to utility-scale solar and wind EDPR's strategic focus on Northeast and California DG markets Insights on the impact of the House tax bill on renewable investment timelines The policy-driven nature of community solar, and why California's program rollback was a missed opportunity EDPR's balanced strategy between greenfield development and co-development partnerships The challenge of navigating interconnection and permitting inconsistency across the U.S. How EDPR differentiates in the DG space through experience, local presence, and global customer relationships Perspectives on integrating storage with DG, and current limitations in markets like New York Key Quote: “Distributed generation is policy-driven—and understanding how to position in the right markets at the right time is what creates long-term value.” – João Barreto   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.  João Salvação Barreto Chief Executive Officer, EDPR NA Distributed Generation João Salvação Barreto is the CEO of EDPR North America Distributed Generation, the distributed solar and storage business unit of EDP Renewables NA. Promoted to this role in June 2024, Barreto leads a fast-growing platform that manages over 280 MW AC of solar and storage assets across 25 U.S. states—with substantial expansions in key markets like New York, Maine, and Illinois.  He joined EDP in 2014 as part of its Global M&A and Corporate Development group. Over the next decade, he held leadership roles including Chief Commercial Officer, during which he oversaw major acquisitions such as Sunseap (now EDPR APAC) and C2 (now EDPR NA DG). He also chaired EDP's Investment Committee from 2020 to 2023, guiding the company's strategic investment priorities João's professional experience spans 23 years in real estate, 13 years in medical investments, and work in the defense industry, where he built relationships with international governments and organizations He holds a degree from the Nova School of Business and Economics and is fluent in leveraging his multidisciplinary background to advance distributed solar finance, partnerships, and grid resilience  Under his leadership, EDPR NA DG is focused on expanding its community solar, C&I, and behind-the-meter portfolios while emphasizing partnerships, innovation, and operational excellence. João is a frequent participant and speaker at industry finance events, including the Financial Times/Nikkei Investing in America Summit and Infocast Solar Power Finance & Investment forums, where he highlights the importance of distributed generation in the energy transition   Stay Connected: Benoy Thanjan Email: info@reneuenergy.com  LinkedIn: Benoy Thanjan Website: https://www.reneuenergy.com   João Salvação Barreto Website:  https://www.edp.com/en Linkedin:  https://www.linkedin.com/in/joão-salvação-barreto-90929a3b/ WRISE 20th Anniversary Gala Date & Time: Thursday, June 26, 2025 from 6:00 PM to 10:00 PM Location: Gotham Hall, New York City Occasion: Celebrating 20 years of championing women and underrepresented groups in the renewable & sustainable energy sector  Host & Highlight: Presented by Women of Renewable Industries & Sustainable Energy (WRISE); evening includes networking, recognition of community leaders, and celebration of industry milestones  The link to register is below. https://wrise20thanniversarygala.rsvpify.com/?mc_cid=2c22b50623&mc_eid=0dfa02be45&securityToken=qZn8wqQI1mC1uMRPyb08kNwbscQ23wtX

We kicked off the program with four news stories and different guests on the stories we think you need to know about!Is Your Pet Having a Midlife Crisis? With Dr. Kelly Fishman - Veterinary Sports medicine Rehab Expert, founder of Strut Animal Mobility Specialists. Fuji Fire: Sifting Ashes of a Forgotten U. S. Marine Corps Tragedy. With Chas Henry – Author & Former Journalist.5 Tips to Keep Your Phone from Overheating. With Peter Nixon - Director of Retail Sales in the Northeast for AT&T.Last weekend a new Miss Massachusetts was named – Khailah Griffin plans to spend her year of service advocating for the unhoused in the Commonwealth! With Khailah Griffin – Newly crowned Miss Massachusetts.

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Austin Hoyt joins us on the pod this week! A name that's fun to say and he's a lovely chap who was really fun to talk to. We chat a lot about the lesser trodden North-East of the USA, heading to Finland to check out Burden of Dreams, using coordination moves to avoid having to pull too hard and the incredible crop of Wads that have popped up in his local area all of a sudden. If you're enjoying the podcast and would like to help us keep it free and without adverts for everyone then please consider checking out our Patreon page: https://www.patreon.com/c/user?u=70353823Support the show

In this week's episode of the award-winning Tiger Talk podcast, join Northeast Mississippi Community College President Dr. Ricky G. Ford and Marketing and Public Relations Specialist Liz Calvery as Ford discusses the recent developments surrounding funding for Mississippi's community colleges. Ford outlines the $57 million cut made by the Mississippi Legislature and how institutions across the state are working to absorb and adapt to this significant budget shortfall. Ford also highlights the vital role that community colleges play -- not only in education but also in workforce development and economic impact across Mississippi. Ford emphasizes the value these institutions bring to local communities, the state economy, and to the thousands of students Northeast and the rest of the community colleges throughout the Magnolia State serve each year. Plus, stay updated on the latest in athletics, academics, workforce development, and more at one of the nation's premier community colleges. For those who may have missed an episode, all Northeast TigerTalk episodes are archived at https://nemcctigertalk.simplecast.com.--NEMCC--Information about Northeast Mississippi Community CollegeNortheast Mississippi Community College is a leading educational institution that provides comprehensive academic, technical, and workforce training programs to empower students and promote lifelong learning. With a commitment to excellence, Northeast Mississippi Community College fosters a supportive environment that prepares individuals for success in their chosen fields.For more information about Northeast Mississippi Community College, visit http://www.nemcc.edu.

Global Partners is a 4th generation Massachusetts based company that is one of the Northeast's largest independent owners, suppliers, and operators of gasoline stations and convenience stores. Recently the MassDOT Board of Directors awarded the redevelopment of 18 highway service plazas to a private-equity backed, foreign-owned corporation in Ireland. Global is challenging that decision and urging Gov. Healey to intervene as they believe the contract should be awarded to a local company that “reflects the Commonwealth's values, supports local communities, and prioritizes long-term public interests.” Global Partners President and CEO Eric Slifka joined Dan to discuss.Now you can leave feedback as you listen to WBZ NewsRadio on the FREE iHeart Radio app! Just click on the microphone icon in the app, and be sure to set WBZ NewsRadio as your #1 preset!

Kia ora,Welcome to Thursday's Economy Watch where we follow the economic events and trends that affect Aotearoa/New Zealand.I'm David Chaston and this is the international edition from Interest.co.nz.And today we lead with news tariff-tax cost threats to inflation are being joined by seasonal climate threats in the US.First, it is hot in large parts of the US, including the heavily populated North-East. Air-conditioners are working overtime. And that means electricity grids are overloaded. Retail electricity prices have spiked to nearly US$2,400/MWhr (NZ$4000/MWhr) during peak evening demand last night. Wholesale prices on Long Island topped US$7,000/MWh. Just for context, New Zealand prices this morning are about $60/MWhr. It's a crisis here they reach NZ$1000/MWhr.Meanwhile, US mortgage applications rose last week slightly from the week before, but only because refinance activity rose. Applications to buy a new home were down sharply from the prior week although up from the same week a year ago. Interest rates were little changed.But May sales of new single-family homes dropped sharply by almost -14% from the prior month to an annualised rate of 623,000 units and far below the expected 700,000 units rate and the sharpest decline since mid 2022. May 2025 was -6.3% below year ago levels. Getting the blame was uncertain economic conditions that is causing potential buyers to wait before committing to a purchase. And things could get worse - there are now 10 month's supply of built but unsold homes at the current sales rate. We may start to see some aggressive discounting ahead - or more builders going bust.The big US Treasury 5yr bond tender earlier today was well supported even if not quite at the level of the last event. This event delivered a median yield of 3.82%, a bit less than the 4.01% at the prior equivalent event a month ago.And in Senate testimony, Fed boss Powell acknowledged that tariff-taxes could be a one-off threat to inflation, but he said that is not a law of nature, and they are worried they could also drive persistent rises in costs. He said they will stay on guard until they know the actual effect.In China, their central bank injected ¥300 bln into financial institutions through a one-year medium-term lending facility (MLF) into the country's banking system. This is what was expected.And in a first, President Xi will not attend the Brazilian-hosted BRICS meeting this year, the first time he has skipped that. The reasons why aren't clear, and that is fueling speculation.In Australia, their monthly inflation indicator fell to 2.1% in May, down from 2.4% in both March and April. That is a seven month low, and lower than the 2.3% rate expected. The main influence for the reduction were fruit & vegetable prices (from +6.1% to +2.8%), and travel & accommodation (from +5.3% to +0.6%).The UST 10yr yield is now at 4.29%, and down -1 bp from this time yesterday. The price of gold will start today at US$3,322/oz, and up an insignificant US$2 from yesterday.American oil prices are up +US$1 from yesterday at just on US$65.50/bbl while the international Brent price is now just over US$68/bbl.And we should probably note that the Wall Street Journal is reporting that Dutch oil company Shell is in talks to buy British rival BP. Currently, Shell is denying the report.The Kiwi dollar is now just on 60.3 USc, up +10 bps from yesterday. Against the Aussie we are +10 bps firmer at 92.7 AUc. Against the euro we are unchanged at 51.8 euro cents. That all means our TWI-5 starts today at 68 and +10 bps firmer than yesterday.The bitcoin price starts today at US$107,062 and up +0.9% from this time yesterday. Volatility over the past 24 hours has been modest at just on +1.2%.You can get more news affecting the economy in New Zealand from interest.co.nz.Kia ora. I'm David Chaston. And we will do this again tomorrow.

On this week's episode of GOLF's Subpar, Colt Knost and Drew Stoltz are joined by MLB Hall of Famer CC Sabathia for an exclusive interview from Fanatics Fest in New York City. The 2009 World Series Champion with the Yankees talks his expectations for New York fans at Bethpage Black, the best courses he has played in the Northeast and his favorite moments on the diamond during his storied career. --Download the Fanatics Sportsbook today and use code SUBPAR and you will get $200 in Bonus Bets when you sign up and bet $20 or more. https://joinfanatics.com/subpar Must be 21+. GAMBLING PROBLEM? CALL 1-800-GAMBLER, Connecticut residents call (888) 789-7777,  Massachusetts residents call (800)-327-5050, New York residents call (877) 8-HOPENY, Maryland residents visit mdgamblinghelp.org.--Fujikura's biggest sweepstakes ever is here. The Battle at Bethpage Grand Prize includes two Ryder Cup hospitality tickets, a $2,000 Visa gift card for travel, two limited-edition VENTUS shafts (USA or EU), a TaylorMade Qi10 driver, and Fujikura apparel bundles—over $13,000 in value. Enter now at https://fujikuragolf.com/battle-at-bethpage-sweepstakes Sweepstakes runs June 2 to July 31. Buy any Fujikura shaft during that time, upload your receipt, and get 100 bonus entries per shaft purchased.--Performance is in your hands with Golf Pride, the #1 grip in golf worldwide. Get 20% off a full set (up to 13 swing grips + 1 putter grip) with code SUBPAR20 at https://GolfPride.com — now through August 31. --Head to shadyrays.com and use code SUBPAR for 35% off premium polarized sunglasses: https://shadyrays.com/collections/green-wolf--The road to opportunity is often the road overlooked. That's why Enterprise Mobility offers new roads to help drive your business forward. With mobility solutions like fleet management, flexible truck rental, and an unmatched global network, they can help your business find the right solutions. Their mobility experts find smarter ways to scale your business, so you're not just growing bigger—you're getting better. Find your road at enterprisemobility.com--Choose your style, pick your favorite Birdie Juice logo and shop from a line-up of top tier brands at shop.golf.com today!

In our news wrap Tuesday, a heatwave is peaking in some parts of the Northeast with more than 160 million people enduring brutal conditions, RFK Jr. told lawmakers that he's hired back nearly 1,000 staffers who had been laid off from the CDC and the National Institutes of Health and the NTSB said failures at several levels led a door plug panel to come off during an Alaska Airlines flight. PBS News is supported by - https://www.pbs.org/newshour/about/funders

As President Trump left the White House Tuesday, he said both Israel and Iran have violated an apparent ceasefire deal. Israel claims they intercepted two Iranian missiles. The Israeli army said it will respond with force. Meanwhile, Tehran has denied breaching the ceasefire. A heat wave is blanketing parts of the Midwest and Northeast, with 195 million Americans dealing with excessive temperatures Tuesday. A CBS News investigation uncovered that since 2013, dialysis centers have been cited by federal regulators for more than 115,000 deficiencies, including poor training and unsanitary conditions. A doctor is on trial in connection to the alleged shooting of a kidney specialist, raising more questions about the dialysis industry. CBS News' Erin Moriarty reports. Three-time Grammy winner Victoria Monét joins CBS Mornings to discuss her new children's picture book, "Everywhere You Are," which helps children cope with separation anxiety. R&B icons Brandy and Monica join "CBS Mornings" to announce their first-ever co-headlining tour, building on the legacy of their hit "The Boy Is Mine," which topped charts for 13 weeks more than 25 years ago. During the last two summers, intense heat in parts of the country has caused beer, seltzer and soda cans to explode on Southwest Airlines flights. In an effort to address the bursting can issue, the airline bought 60 new refrigerated provisioning trucks for Phoenix and Las Vegas, their two hottest hubs. CBS News' Kris Van Cleave reports. Gayle King explores the historic revival of the Waldorf Astoria hotel, from its art deco elegance to a new fine dining experience led by chef Michael Anthony. Plus, Paris Hilton reflects on her childhood in the iconic building once dubbed her family's "crown jewel." 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

Adam Helman has spent his entire career in emergency management. But after working for the New York State Department of Health during the COVID pandemic, he wanted something new. So in 2023, Adam moved from responding to a public health emergency to responding to the climate emergency, in addition to other hazards utilities have dealt with for decades. Just two years into his role as director of emergency services for the energy services company Avangrid, he's already seen a number of back-to-back emergencies caused by everything from winter storms to gas leaks.This week on With Great Power, Adam shares with Brad some of the ways that Avangrid's emergency response operations are evolving as intense weather and other hazards put more physical and mental stress on first responders. They also discuss why  meteorologists play an increasingly vital role in utility emergency response, and how utilities are integrating new threats, like wildfires in the Northeast, into their planning.With Great Power is a co-production of GridX and Latitude Studios.  Subscribe on Apple, Spotify, or anywhere you get podcasts. For more reporting on the companies featured in this podcast, subscribe to Latitude Media's newsletter.Credits: Hosted by Brad Langley. Produced by Erin Hardick and Mary Catherine O'Connor. Edited by Anne Bailey. Original music and engineering by Sean Marquand. Stephen Lacey is executive editor. The Grid X production team includes Jenni Barber, Samantha McCabe, and Brad Langley.

In our news wrap Tuesday, a heatwave is peaking in some parts of the Northeast with more than 160 million people enduring brutal conditions, RFK Jr. told lawmakers that he's hired back nearly 1,000 staffers who had been laid off from the CDC and the National Institutes of Health and the NTSB said failures at several levels led a door plug panel to come off during an Alaska Airlines flight. PBS News is supported by - https://www.pbs.org/newshour/about/funders

Extreme heat alerts stretch from the Midwest to the Northeast; How to spot sunburn, heat stroke and other summer skin concerns; Byrdie Beauty Awards: Top products under $60. Learn more about your ad choices. Visit podcastchoices.com/adchoices

Keith discusses the new power shift in the housing market, where buyers now have more power in the Northeast and Midwest.  Ken McElroy joins us to discuss the current state of the real estate market, highlighting a significant decline in apartment building values and a predicted further drop in home ownership rates, potentially below 60%. They note that while some states, like Arizona, have surpassed pre-pandemic housing supply levels, others, like the Northeast and Midwest, still face shortages. Ken emphasizes the importance of affordability and the shift towards renting, predicting a significant increase in renters. He also shares insights on strategic property investments and the benefits of buying at current market lows. Resources: Use the discount code "KEN10" to get a discount on the Limitless Expo event. Show Notes: GetRichEducation.com/559 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, apartment building values have crashed about 30% in the past few years. Well, it's the opinion of today's qualified guest that it's going to get even worse from here. We'll also discuss why rents in the Phoenix area are declining, and a bold prediction on a collapse in the home ownership rate and the hordes of renters that that will create all today on get rich education.   Mid south home buyers, I mean, they're total pros, with over two decades as the nation's highest rated turnkey provider, their empathetic property managers use your ROI as their North Star. So it's no wonder that smart investors just keep lining up to get their completely renovated income properties like it's the newest iPhone. They're headquartered in Memphis and have globally attractive cash flows and A plus rating with a better business bureau and now over 5000 houses renovated. There's zero mark up on maintenance. Let that sink in, and they average a 98.9% occupancy rate, while their average renter stays more than three and a half years. Every home they offer has brand new components, a bumper to bumper, one year warranty, new 30 year roofs, and wait for it, a high quality renter. Remember that part and in an astounding price range, 100 to 180k I've personally toured their office and their properties in person in Memphis, get to know Mid South. Enjoy cash flow from day one. Start yourself right now at mid southhomebuyers.com that's mid south homebuyers.com   Speaker 1  1:59   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  2:15   Welcome to GRE from the Tigris to the Euphrates to the Mississippi and across 188 nations worldwide. I'm Keith Weinhold GRE founder Forbes real estate council member, Best Selling Author, look for my work in the USA today as well, and you are back inside for another wealth building week of get rich education. What's all that really mean? Ah, I'm just another slack jawed mouth breather with a mic here. Before we get to today's guest, Ken McElroy, let me tell you about housing's new power shift and where we're at today. Three to five years ago, sellers held all the power in virtually every market because the housing supply was so miserably low everywhere. So you had more one tours of real estate and few that were willing to sell. That is still mostly true on a national level, but the new power shift is about the fact that the Northeast and Midwest are replete with home buyers. Queues of buyers are lining up for the few available properties like I've touched on before, and look low available housing supply in these areas, the Midwest and Northeast, that's not a symptom of mass in migration. Hordes of people are not stampeding into Buffalo for the nightlife. It's all due to chronic under building, partly from strict regulation, especially in the Northeast. A big part of the power shift, though, is that we now have fully 10 states that are above pre pandemic supply levels, and you'll notice that none of these are in the Midwest and Northeast. The 10 states are Arizona, which we'll talk about more today, Colorado, Florida, Idaho, Hawaii, Oregon, Tennessee, Texas, Utah and Washington. Here in these places, is where the tables have turned, because supply is catching up with demand in those 10 states. So that's where we're seeing softer home price growth and where buyers have the power, these are some of the states where you can find better deals. Motivated sellers and builders in these places will often buy down your mortgage rate, give you closing cost credits or reward you with incentives, like a free year of property management. In fact, our GRE investment coaches guide you for free to exact property addresses where builders will buy down your mortgage rate to 5% today, one of them will even give you a $9,800 post close credit instead, if you so choose. Often do. Those like that are in those 10 states. They're elsewhere too. You can get started at GRE investment coach.com, conversely, 40 states have less for sale housing inventory than they did as compared to pre pandemic times. This is where sellers still have the power some of the most competitive markets in the nation are buffalo, Hartford, Providence and Boston, where more than 10 active home buyers vie for every single listing. That's per Zillow. That's sort of the real estate equivalent of a Taylor Swift or Beyonce ticket queue. At the other end of the spectrum, shoppers have an easier time in Miami with only 2.6 shoppers per listing, followed by Houston at 3.4 New Orleans at 3.5 and San Antonio at 4.3 nationally active listings are up 31% over last year. That's quite a bit, but we're still 12% below pre pandemic, 2019 inventory levels. And is all this good news or bad news? It totally depends on who you are. If you're holding property in the Northeast and Midwest, you're pretty happy about this strong appreciation in the single family space, but in the southeast, appreciation is non existent. There's even mild depreciation, especially in parts of Florida. If you're looking to own more property in the nation's southeast quadrant, you're now enjoying less buyer competition. In fact, sellers are competing for you, and let's avoid being too assuming. Here I've been talking about things on the state level. States are not monoliths. Philadelphia is not Pittsburgh, Seattle is not Yakima. Cities have different supply situations. Even within one city, the scenario varies, of course, really the bottom line here is that today's recovery from 2022 national supply abyss has been an uneven recovery, where builders are frozen, appreciation soars, where builders hustle, buyers win. So if you're looking for deals, find that short queue.    Today's guest is a familiar one to GRE listeners. He's based in Scottsdale, Arizona, which is the Phoenix Metro. Arizona, though it's fast growing, is still just the 14th most populous state, but Arizona is an interesting market, because we're going to get to see what happens when you have an overbuilt condition, like we do there. We'll discuss that market and the national market as well. Get a key gage on the direction of rents, occupancy and prices, first in the single family space, and then we'll talk about apartments. Anyone that's paid attention to real estate that past few years. Knows that when mortgage rates spiked in 2022 single family values have held up, apartment values plummeted due to their interest rate resets. We'll get insight on if the beleaguered apartment space has bottomed out price wise, or if apartment values still have further to fall.    I'd like to welcome in frequent GRE guest, and he was also one of our earliest back in 2015 Ken McElroy. Ken authored a bunch of successful books, both within and outside of the rich dad series. He's also a well known, successful apartment syndicator with over 10,000 units across several states, and he's also in other parts of the commercial real estate sector, including billboards and self storage. So it's really great to have back on the show. Ken McElroy   Ken McElroy  8:57   good to be here, Keith, thank you. It's been 10 years, man, since we've been doing   Keith Weinhold  9:01   this? Yes, 10 years back in episode 25 since you were first here, more than a decade of this. So we know each other's work really well, and it's such an interesting time in the apartment space. I want to get to that later in our conversation today and really find out if you think that the apartment space has bottomed out. But before we do that, let's talk about the single family space. The audience should know that you can meet both Ken and I in person, as we're both faculty members on the spectacular real estate guys Investor Summit C, which is actually underway now. We're recording this just before the summit. So let's discuss the direction of rents and occupancy. We'll get to price later and Ken although most states still have a housing shortage statewide, Arizona's active housing inventory for sale is 24% above pre pandemic levels. That's what realtor.com tells us, and this. Deeply due to a lot of building, a lot of building usually does not bode well for price growth or rent growth. So tell us about rent, direction and occupancy in the single family space in the Phoenix Metro.   Ken McElroy  10:15   There's a bunch of things happening in the Arizona market. First of all, one is we've had a lot of people move here right in the last 4,5,6, years. Yeah, post pre pandemic, post pandemic, all of that. We are a pretty small state. You got Phoenix, got Tucson, you got Flagstaff, a bunch of other small cities that kind of surround some of those. But it's not like a Texas or a Washington or a lot of these California, like a lot of states, and have a lot of cities to draw from. If people move to Phoenix, that's pretty much where they're they start a lot of times, not every time, but and so it's really interesting. When we have net in migration into Arizona, it really moves the needle for most of these cities. Is kind of the point. And so we're always going to be affordable, we're always going to have great weather, it's safe. We got pretty normal politics, I should say, as compared to some of the others, we really do have a growing population. And so what happened? We had a nice run on the real estate. As you do, you know, we had a nice run on the apartments. We had a nice run on the single family that tapered off when the interest rates went up, essentially, right? You know, we actually built too much. We built too many apartments. We built too many houses. When interest rates went up, people kind of pulled back. That's what you're seeing now. So right now, it's a great time to be a home buyer. It's a great time to be a renter in most of those cities in Arizona specifically. And why would that be? It's because they have a lot of choices. So on the single family side, the listings have gone up, and therefore some of the prices have you know, people are starting to negotiate a little bit more. Now here's the interesting thing, Keith, if you measure it on last year or the year before, it has huge numbers, like you just quoted, you know, 24% but what's happening is things are on the market like 40 days, you know, you know what I mean, like from a week or two, it's doubled or tripled, as you know, that's still not a very realistic market. The market is still, in my opinion, pretty healthy. It's not unbalanced, and before it was a seller's market, and so it's just normalizing. And normalizing, to me, if you go over year, over year, over year, is I think MLS says four to six months of inventory, right? I think things are just normalizing. But if you've been through the run, this is like the end of the world, right? But it's not. It's just things are settling down, and it's the greatest time because they're supposed to be a little bit of friction between the seller and the buyer. I believe there should be just about right. It's never just right, as you know, it's usually pulls on one harder on one side or the other. But we just went through an incredible time where the sellers pretty much got whatever they wanted and the landlords pretty much got whatever they wanted, and so this is just pulling back, you know, the tide's going back out. There's no cause for concern, at least in my world at all. It's supposed to be this way, and we need affordability. We need people to be able to buy homes. We need people to be able to rent. Yeah, I'm in the landlord business, but I don't want rents to run. There needs to be a balance there, even though it's good for me, if it does, but it's not good, because what happens is, then the government gets involved, and what they need to get involved in is adding supply, right? And not capping the rents. You know, what they need to do is just work with developers. And you know, because we're growing here in Arizona right now, we're seeing a pullback, but I think it's needed. There's nothing wrong with this. It weeds out a lot of, you know, realtors that weren't doing much, that just got their license, were hanging around, say, with mortgage folks and title people and lazy contractors and all that stuff. So whenever there's a pullback, the professionals win.   Keith Weinhold  14:01   Well, this is some really good perspective here. We're all victims of the recency bias, and, yeah, you're talking largely about market normalization. What sure wasn't normal or healthy, in a lot of ways, was back in 2021 when you might have had 50 offers for one available property, and people had to bid 50k over the asking price, and they might have waived their inspection, which is typically not a good idea when we talk about rents in the direction of rents, especially there in the Phoenix metro with single family homes, which I know your wife, Daniil, is pretty intimately involved with. Typically, this new supply increases competition. It increases the competition for landlords competing for more of those tenants, which is something that typically is not good for rents. Have we seen declining rents in the local market there in Phoenix?   Ken McElroy  14:54   Of course, yeah. And I'll tell you, there's a bunch of factors. So there's always cross currents. People want one. Answer, but there's not right, like, so let's just pick on a whole bunch of things that went wrong at the tail end of all of this. It was Airbnb. Like, Phoenix and Scottsdale are a huge Airbnb market. I've rented Airbnbs there. Sure. It's incredible, right? And so what happened was a lot of people said, oh, I can buy this house, throw some furniture in it. And, you know, I can get 10,15, 20 grand a month in rent out of these things. And they were right. And then what happened was, there just was too many, so became oversaturated. So you're definitely seeing those back on the market. And so interesting fact, Heath, all you got to do is look at the pictures. And if you see bunk beds. You know, it used to be an Airbnb like, you know what I mean? So that was the one, but two, let's don't forget this run that we just had put a lot of people into the rental market for the first time on the single family side too. So we never really had this many landlords on the single family side as well. And so there's all these mistakes that people made. They bought incorrectly. They had capex work. They bought with floating rate debt. And when rates went up, they weren't cash flowing. They wouldn't know how to manage them. So So there's all this stuff that was kind of going on behind the scenes, on the apartment side of the equation, which is where I hang out. Mostly, I watch all this. And because my class A buildings are competing for single family. They have single family typically wins because it has a yard, has a garage. Nonetheless, I gotta pay attention to it. So it's been interesting to watch. At one point you could not find a home in the Scottsdale area under 500 grand period like nothing. And now, of course, those are starting to come down a little bit more, and there's some softness in the rent, so the renters are have more choices. Now, why is that? There's a couple reasons. If you're a renter and you're looking for a place, you know, I'm sure you're considering a house, but not everybody wants a house, especially if you're single or maybe it's just you and somebody else, and maybe you don't have a pet. There's a lot of reasons that people just don't want to have to a home. So you've got condos and you've got apartments and you've got homes, and then you have school districts. So people definitely want to be in certain school districts based on their children. So you have all these cross currents going on, on where people want to be. And so what does all that mean? What that means is there are certain markets, from a rental standpoint, that are doing extremely well, still, both on apartments, on condos and houses. And then there are other markets that absolutely are not just depends on the concentration of all those things and all those factors that are going on. The one thing that's actually disrupting a market more than anything is apartments and condos. Because, for example, Danielle just had a condo that she owned, and the condo was worth, let's say, 300 grand, but it's probably 25 years old now, yeah, and there's apartments going up, you know, a block from there, right? So her renter is said, you know, I'd rather go over here. Brand new amenities, nine foot ceilings, brand new fitness center, all this stuff. So apartments really do reach into that rental market a little bit. And so there is some spillover between that. But primarily what's going on in Phoenix is there's a lot of new construction. And not just Phoenix. This is Tucson and Greater Phoenix. There's a lot of new construction that was started when rates were low. They were started in 2122 and you know, like, because I'm a builder, it could be a year to 18 months when we're opening a project from the time we put our the shovel in the dirt, we're not even open for a good 18 months. So there's a lag period. And those started opening in 23,24 and certainly 25 and these big projects, two, 300 unit projects, which I have several going right now, they're one to two year lease ups, so you could be looking at two or three year lag on some of the housing that's being provided. So that's all here now that is been good for renters. There's a couple horror stories going on, and I'll just explain. So downtown Phoenix, there was a whole bunch of apartment projects and condo projects that were built trying to attract people to live in downtown Phoenix? Well, there's challenges for downtown Phoenix too, and we won't have to get into that. I don't particularly think that there was ever the real demand for the amount of housing. So what you've done is people build a lot of housing in concentrated areas around the stadium in West Phoenix, near the Cardinal Stadium downtown Phoenix, you know, right in the heart of the business district. So if you were to rent something today, it would be four months free on a 12 month lease.   Keith Weinhold  19:48   Wow, that's about the steepest concession I've ever heard of in my life.   Ken McElroy  19:54   Yes, that's today. So all you gotta do is Google it and you'll see. And the only reason that happened, Keith, is. Is because there was too many units delivered at at a short period of time, and there was the demand, wasn't there? Gosh, now go 10 miles up to Tempe, go to Chandler, go to Scottsdale. No concessions, right? So again, you know, when you look at a market, you're going to see that it typically a lot of these concentrate in certain areas. And so there's a lot of areas in Phoenix where the consumer or the renter has an upper hand a lot. And so they're driving their choices based on their monthly rent. All of that plays into this thing, but the there's areas that are rock solid. And you know that would be Scottsdale, Tempe, Chandler, Gilbert, and there's areas that are over built that would be the west side, downtown Phoenix, the south side, there's areas that there's pockets that you know are in disruption you can kind of pick your poison, right? Like, if you're a landlord, there are areas that you want to buy in areas that you don't want to buy in. And as a renter, you have the same kind of choices. So when you blend it all together, you guys get the national news. But really it's pretty pocketed, just like it can be in any market.   Keith Weinhold  21:12   Well, you bring up so many good points there. Some of these markets that have done more building than usual are in this situation where there is landlord competition for tenants. Now, nationally, we're still under built, so it's interesting to talk about one of these overbuilt conditions in that competition for tenants, like we've been talking about, in general, a tenant prefers a single family home, and it's privacy for sure. They can't always afford that, but the apartment market and the single family rental market are somewhat interrelated, because if there's so much new apartment supply, it's got the appeal of being brand new, and there might even be concessions given, like you've mentioned there Ken and that can make it very attractive for a potentially wannabe single family home renter to go ahead and rent an apartment instead. So this glut of new apartment supply actually can affect the single family rental market somewhat, and competition is really interesting. I mean, certainly in my real estate investment career, I've experienced that. The first time I ever experienced that was that I owned several doors, and they were about 25 years old, and they had garages, each one of them a new apartment complex was built close to those so brand new, and you had to drive by this new apartment complex. Everything nice, shiny new, painted new parking lot, everything a prospective tenant had to drive by that in order to get over to look to my units. That softened my rent somewhat. The one thing that saved me a bit is that my running units were in Anchorage, Alaska, I had the garages with my units. The new apartment building didn't. They only had carports, so I did have a differentiator to help soften the blow in a rental market that became more competitive. Tell us more about the competition for tenants there in Phoenix, whether that's on the single family side or the apartment side can with concessions. And does that mean that you're altering the length of leases there in the local market? Or tell us more about how you're doing that competition?   Ken McElroy  23:10   It's a great question, yeah. So I would say generally, a home is going to be about 1000 bucks more on the average, like if you were just to put a number on it, three bedroom, Rambler type home with a garage in a yard. It's going to be maybe three grand. That apartment, the equivalent was is going to be maybe two grand. So roughly, those are kind of the numbers. But what happens if you're going to rent a house, you're definitely going to pay more money, that's for sure. And of course, depending on the area, depends on the on the rent. Now what's happening in a lot of these markets, like West Phoenix, for example, where you have 1000s of units being added at once, and you get this one month, two month, three month, and the extreme, of course, being four months free, if you're a renter and your rent is two grand, but you get three months free, let's say or four, you're going to take that deal, right? Because your your your average rent is, what 12,13, $1,400 a month, not 2000 so all of a sudden, it's going to impact those single families. So what's happening right now is the apartments that got delivered in in a lot of these geographic areas, these sub markets are definitely impacting the single family rental market. Now, if you're a family and you've got kids and you got pets and you want to be in a school district, you're not even looking you're basically just trying to find the best deal on a home. I get that. But if you have a choice, the rents are about the same, you're going to take the house, sure period I would, you would. So now what's happening is there's, there's such a difference between the rental price of a home versus the rental price of a brand new apartment that people are going to gravitate to the apartments, because those landlords trying to fill those things up are scrambling and marketing to anybody. And everybody and cutting whatever deals they can, because they're just trying to get out of those construction loans. It's a weird market right now. And of course, there are areas Keith that this does not exist at all, right, like you go into like Tempe, and you're not going to have because it doesn't have the available land, you know, which is around Arizona state for example, the Arizona State University. You go into North Scottsdale, you're not going to find this because North Scottsdale doesn't like apartments. And, you know, the homes are a million bucks and up, but there are definitely pockets where this is happening. So if you're a renter and you have choices, this is a great time for you and and to be honest, it's about time, because it was a seller's market and a landlord's market for a long time, and so it's just reverting back to the mean.   Keith Weinhold  25:46   Let's wrap up the discussion about rents and occupancy with what's happening nationally. Ken, since in apartment buildings, you invest in multiple states there, we know, for example, that the home ownership rate recently fell from 65.7% down to 65.1% fewer homeowners means more renters. But that doesn't necessarily mean that they're all going to be absorbed immediately, either. So talk to us about that.    Ken McElroy  26:13   There's an affordability problem, right? We haven't seen a massive adjustment with house prices now you have in areas, of course, I saw your recent podcast on Florida. You know how right the price of a house is, is less than a car today? Yeah, you're right, like so, but what's happening is there are markets that are pulling back, right. There are markets that had a bigger bubble than others, and they're pulling back. And so there's great deals in those markets. A lot of areas in Florida being one of those markets, there are other markets where you don't have that. So we are definitely seeing the same thing. And so we're having, in my opinion, it's the greatest time, because you have people that are, I think, should be able to buy a home. But interest rates seem to be holding at Six 7% and the pricing, albeit, hasn't run like it has, but it's certainly not pulling back like crazy either. It's still over 400 on the average, you know. So if you look at the delta between what it costs to buy a home just mortgage only, and you look at what it costs to rent, it's never been bigger. So the difference between your rent, the rent and a mortgage, has never been bigger. And the other thing Keith, that doesn't get talked a lot about are everything non interest rate and everything non mortgage. So let's start talking about insurance. Let's talk about property tax. Let's talk about, you know, capex. So there's a really good survey that bankrate.com did that said that right now, the average cost to own a home, not mortgage, is 1500 a month. So now that's average. I'm sure there's some that's less. I'm sure it's some that higher. So when you take 1500 a month to own it, plus the mortgage you're talking about quite a bit. It's a heck of a financial commitment when you can just rent for 12, 1314, 1500 and call it a day, you're going to move the needle twice as fast, and you're going to be able to get out of whatever financial situation you're in twice as fast when you don't have all those other costs. So what's really going on now? And the reason why you're starting to see this home ownership rate go down, and I actually make a prediction, gonna do it right now on your show, I think it's gonna go down below 60. I think for the first time in our history, we're gonna see home ownership in the 5050 nines, which is a massive statement. But if you take a look at under Obama got up to 69 and then it was, first of all, it was Clinton, and before that, and then kind of ran, but then it kind of got pulled back under the Bush, and then Obama kind of took the brunt of it. You know, when all that stuff was falling out, but it's been falling, and it's falling. Why it's falling? Because people can't afford a home, and they need to be able to afford a home. So we can't build affordably. The single family market is not affordable, and inflation surpassing wage growth, so you have this massive shift of people, in my opinion, moving from home ownership to the rental side. And there was a time where 1% shift Keith was 1 million people,   Keith Weinhold  29:27   1 million new renters, with every 1% drop in the home ownership rate   Ken McElroy  29:32   was 1 million people. So imagine that it doesn't sound like much when you go 65.7 to 65.1 right? That's a lot of people. When you got about 142 million people in the US, or a billion, right? 340   Keith Weinhold  29:46   350 million in 300 Yeah, about 145 million houses,   Ken McElroy  29:51   45 million, yeah, something like that. So you start to take a look at these numbers. They're massive. So these little 1% movement. It is a lot of people. I think we're going to continue to see it. People need to put their stake in the ground here and get on the landlord side of this, because we're going to see a massive shift of people because they can't afford they're going to be permanent renters, renters for life. And it's not good. I'm not advocating, but it just is what it is, with wage destruction, with inflation, with the affordability, the way it is, people are going to be forced into the rental side of the equation, whereas before, we were always kind of working on the fluctuations of the interest rates and the policies of the President, let's say, or whatever it was, to try to get people to be homeowners, or whatever it might be. Now, we might be in some kind of a permanent state unless something really changes, because we're four or 5 million houses short in the US as a result of the last 20 years. As you know,   Keith Weinhold  30:54   I recently saw a media article that was titled The hidden cost of home ownership, and they were talking about hidden costs as things like maintenance, property taxes, property insurance, utilities. I don't know how in the heck those costs are hidden. Any prospective homeowner needs to be aware of those costs, and inflation impacts those costs, where inflation cannot impact your fixed rate, principal and interest payment. There we have it a brazen prediction from Ken that the home ownership rate will drop below 60% in this cycle and the hordes of renters that that's going to release, we're talking about the direction of rents and occupancy in both Phoenix and the nation at large. We're going to come back after the break and talk about the direction of real estate prices. You're listening to get rich education. Our guest is Ken McElroy. I'm your host. Keith Weinhold.   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. 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Can you corroborate Is that what you're seeing as far as values go there on the ground, or is it different in the sub markets    Ken McElroy  34:20   it's definitely different in the sub markets, but I would definitely concur that it is flat, Keith, it's a very interesting time. People are used to selling things fast. Oh, I'm going to sell this and it trades, and then they're moving it right to something else. They're not used to the markets that you and I grew up in, right which is, you remember the old days where we would list something and it might be on the market for three or four or five months. These people, these kids, these let's last 10 years, they have never seen anything like that. So for me, I think we're just moving back to what I would consider to be normal. I don't see a problem with flat at all. In fact, I think homes are unaffordable and. And flat isn't necessarily bad. That means that both sides are kind of doing deals. That means the seller doesn't hold the cards, and it means the buyer doesn't hold the cards, and so right now is a great time to buy because if a seller is sitting on something for even a couple months, they're not used to it. There's deals to be had right now. And it's, I think, if you have the dry powder and you have the ability to move, is a great time to buy.   Keith Weinhold  35:26   You had mentioned, when we were talking outside this show, that your wife, Danielle has made some interesting moves in her single Yeah, yeah, tell us about that.   Ken McElroy  35:36   It's a fantastic move. I mean, one of the greatest, obviously, I'm doing these big apartment deals, she can't relate, and she's doing these small houses, which she loves. She doesn't like debt. She likes to pay them off, and she manages them all herself. And so she bought this condo years ago, and it's worth about 300 grand, and she paid like 164 years ago, and the rents have dropped. You know, per our last conversation, they were used to be around 1900 now they're around 1700 but the same time, rents have dropped. And why would rents drop? Because there's more competition. There's new apartment buildings being built around the area. The tenants have more choices. Again. There's, you know, rents came down a little bit. So she lost couple 100 bucks a month there, and the HOA hit her with costs. Our insurance went up, our landscaping went up, so all of a sudden their HOA fees started going up. So the rents came down, and the HOA costs went up, squeezes on, yeah, so all sudden she's got this squeeze and so she's looking at it. And I said, you really ought to take a look at your what we call imputed equity. In other words, she has no debt on this thing, so she literally has another way to say it is she has 300,000 sitting in a condo, an asset. What does it matter? What it is and she gets maybe, what does she make it 500 a month, maybe $6,000 okay? Net Cash Flow a year, right? Nothing. So you take your 6000 you divide it by your 300 and it's not a very good return. Yeah, eight. Okay, so she's looking at what we call imputed equity. What's your return on the equity you have? Okay, so she said, I'm going to start looking at these homes that have, like you said, the garages and the yards, because again, we know that should be able to get closer to $3,000 a month on those so she started scouring, and she found one, and it was about 450 grand. So she had to come up with another 150 grand. And so what she did was she sold the unit, the condo she had that had rising HOA and lowering rents for 300 she did a 1031 exchange into the $450,000 house, and then she had to come up with another 150 but her rent now is three grand, and she was able to increase her cash flow By almost $1,000 for a month. So that extra 150 generated about $12,000 of net cash flow gain. And so again, she just purely looked at the math on one and did a 1031 moved it into another one. And now she's super happy it's in a home. And as you know, in a lot of these homes, not always, but you tend to have people that don't move as much. So this the guy that moved in has his son. He has him in a local school. He's young. He's probably going to be there for years, so she's probably not going to have the turnover that she would in a condo project. That's really more like an apartment building. That's what she just did. And so don't forget, when prices are high, you're exiting high and buying high. When prices are in flux, a little bit like they are flat, you're going to be able to find deals. So it's a really good time to take a look at imputed equity and what's your real, true return, and is there a better asset class for you to be able to move that money into? Because this is truly about managing money and maximizing your return on your own dollars. And that's a move that she just made, and she's going to be on the cruise. She'll see you, and I'm encouraging her to actually do a talk on it, because there's a lot more detail to how she pulled it off. But it only took her, like, four or five months to do it, and it worked perfectly.   Keith Weinhold  39:22   Yeah. Well, congratulations there. I'm a fan of debt around here, as you know, on the summit, Daniel and I'll have to have a chat, and I'll talk about why financially free beats debt free and all of that. But I would love to hear her reply. She probably has some really good, sound reasoning for that can nationally apartment values have followed perhaps an astounding 30% because the way I see it is that three or four years ago, there were tons of new apartment starts with those freakishly low mortgage rates like you touched on. Start to completion of an apartment building can be as long as two years. So those starts have now become completion. Dollars, and they need to be leased up. So that's the glut, and that's why apartment vacancies are common in a lot of American markets today, with higher mortgage rates now, we have fewer starts and with less new future apartment supply coming onto the market, which would have been completed in 2025 to 2027 I mean, that's something that could portend well for the future, but the current apartment glut still needs to get absorbed by tenants. So talk to us about that.   Ken McElroy  40:29   That's a great, great tee up for me. Okay, so I'm going to do seven transactions this year. Now, that's all 200 plus units. So I bought 360 unit building and brand new in Las Vegas. We just closed on a 282 unit in north Scottsdale. We bought 152 unit in Phoenix. And on and on and on and on and on. We're really, really, really busy right now, because, to your point, why would we be doing that now? Here's why apartments are valued based on how they're operating period. So high vacancy, high concession, flat rents, high expenses. That's all bad if you own it, it's really good if you buy it. So you want to buy at today's numbers, and that's what we're doing. We're buying at today's numbers, and we think that there's a little window that we've got through 26 to be able to acquire a bunch of apartments at these low values. To your point, they've definitely dropped. There's another case as to why, because the next piece is when the mortgage rate's high, cash flow is less. So when your mortgage payment is higher, all things being equal, your cash flow is less. So when rates went up, then people could pay less, and that drove values down. So if we could lock in today with all this disruption, so that's what we've been focused on. And it's been a very exciting year for our company. And in addition to that, to your point, but you and I have never spoken about, we just broke ground on another deal, and we're just leasing up on a deal down in Tucson that we're we're a 300 unit building that we're just finishing, and we just broke ground on a 312 unit, and we got a couple more slated because we're trying to break ground today. And why would we would break ground today because there's not a lot of subcontractors bidding on the stuff. So we're getting better pricing. The interest rates are high. This is true. That's not necessarily a positive, but we're breaking ground in anticipation of opening in two years, when all this stuff gets absorbed, we're going to be opening and so, you know, if we could time it today with 25 we break ground, we're going to open in 27 this stuff will be absorbed by then the blood will be in the streets in 25 and 26 and maybe early 27 and then it's going to shift again, Keith, and you know, people are slow to react. And so we think we're going to hit this little window at optimal time to be able to open up brand new product in two years.   Keith Weinhold  43:05   That's great. Ken we've been having these conversations for over a decade now, I know, and the way that I see it is that MC companies, your company, was built exactly for times like this. Is that to say that you think apartment values have reached their bottom,   Speaker 2  43:22   so I actually don't think they have yet. That's a funny comment, and here's why, because we also went through this extend and pretend time with lenders, right? So the lenders, whoever bought something, was trying to hold on to it forever. But now, with this new administration and the battle with the, you know, Powell still in office for another year. Who knows really, what's going to happen with rates? Maybe a quarter here, quarter there, whatever. But the reality is, there's no relief in sight. It doesn't appear. Because now we have this high vacancy, we have high expenses, and I don't think there's going to be a lot of interest rate relief. And so I think the lenders are going, you know what? We're gonna start listing these. So we're starting to see just in the last few months, brokers call. I got a call the other day from a broker out of San Antonio. He said a lender called me. They gave me nine deals. He said the keys, they gave me the keys on nine deals now and then I got another one in Dallas. It was 35% occupied, and the loan was 25 million, and the guy said they would take 14, so that's an $11 million haircut to the lender. So you're starting to see these. These are coming into my emails, right? Because they flooded. We are kind of deal. Yeah, it's so good. Now I've passed on everything so far because I think the knife is still falling a little bit, and so I think we're in the first few innings of seeing these kinds of deals, and there needs to be a lot of them, right? Like they need to be everywhere. And then when they're everywhere, everything's listed, and people are looking at them, and there's all this interest, then I think we're going to be at the bottom, but we're darn close. I mean, we're darn close, I would say. Right? We're probably by end of the year close. That's why, if a prudent investor, is getting their dry powder together, now they're meeting with their broker relationships, now they're meeting with their lender relationships, now they're putting together their LPs, and they're starting to go out and look at deals. Now, even if it's no no, no, no, no, no, no. This is the time for you to build relationships and be ready to strike when you start to see stuff this year, toward the end of the year, will will be the bottom and then I also think next year is going to be rocky for a lot of things. Then you're going to see a lot of lender write offs.    Keith Weinhold  45:37   This is really good guidance for what you the listener, can accidentally do if you are a prospective apartment building buyer. Great insight there. Ken. Ken, yes, you and I are about to be together on the real estate guys Investor Summit to see but there's another great event that begins at the end of next month that you put together.    Ken McElroy  45:59   Tell us about that. This is great. I have now we have about 4000 investors. So these are all high net worth people that invest with us. And you know, this is our 24th year in business. So when I meet with all of them, we used to do these investor summits, they would say, What about gold? What about silver? What about oil? What about water? What about timber? What about self storage? What about Office? What about retail? So I'm like, I'm going to create a conference where I can have everything in one spot, and we can invite high net worth, accredited people be able to come there and listen to the best of the best. So no professional speakers, just people that are really doing deals. You know, like we have guys that are building wellness spas and hospitality. Obviously, we have some single family. We got multi family. Got a retail guy, industrial guy, commercial guy, office guy. We got a gold panel. And then we got these economists, and you probably know some of the names. So we got George gammon coming. We got Jeff Snyder, who's unbelievable Euro dollar University. He's coming. We got Brent Johnson, who created what's called the milkshake theory. And just Google it, you'll see it's all about the central banks. We got Jim Rickards, who wrote currency wars and a new case for gold. And we got Lawrence Lepard, who just wrote this book called The Big print. All coming as speakers unpaid, and they're just going to try to deliver the best value they can to the people. Because I tell you what, Keith, I don't know about you, but it's confusing. I'm reading about tariffs, I'm reading about inflation. I'm reading about unemployment. I don't know where interest rates are going. I'm feeling it at the street level, at the main street level, with my apartment buildings, they're harder to manage. The expenses are going up. I try to create this environment to where people can show up and hear real real things, and they can make real decisions and course correct, right, and also take advantage of of some other things. We're also having a manufacturing panel, and I got a whole panel just on the Trump tax bill, because the opportunity zones, the bonus depreciation, all the stuff, these are things that you can do to be able to take action. So this is limitless expo.com. Since we're on your show, they can do KEN10. KEN10, which is a discount, the prices do go up. Obviously they're the highest. They are in July, because that's when the event is but in June, they're still lower. So I would suggest that people go this year, especially with this new administration, and everybody's like, what is going on? Hopefully we can it's starting to clear up some of the confusion that we all have right now and try to figure things out.   Keith Weinhold  48:36   It seems like all we do know is that we don't know limitless ought to help clear some of that up. It is July 31 to August 2. Tell us where it's taking place.   Ken McElroy  48:47   Yeah, it's at the gaylord in Texas, in Dallas, Texas. It's called the Gaylord Texan. It's limitless expo.com. Now we did it last year. There'll be 2000 people. We have 50 speakers. We have five stages, 50 speakers. It's a really high end event. What I mean by that is these are real people doing real deals with real businesses, real investors. It's been fantastic. I haven't had to pay speakers because of the quality of the attendee. That says a lot. It's really been interesting and great. And by the way, I don't really think having big speakers to sell tickets is the way to go. I'd rather have a real quality event, and it's really interesting once you set your mind on something. Because my investors and other investors show up because they do more than invest in just what we do. Like real estate. Everybody wants a little piece of real estate, but they also want to know about Bitcoin. They also want to know about gold, you know. And these are things that I'm not that proficient in, you know. I want to hear from experts in those fields. So it's really been a great, great event.   Keith Weinhold  49:48   You kind of crowdsource the need. You listen to what your audience was asking about, and then you delivered it for them. Limitless expo.com, use the discount code KEN10 to get. Get a discount. Ken McElroy, it's been great chatting about the direction of rents and prices in the both single family space and apartment space. It's been great having you back on the show.   Ken McElroy  50:09   Yeah, for sure. Keith, always great. Man. Good seeing you.   Keith Weinhold  50:18   Yeah. Ken, decidedly bullish on buying real estate, even calling it a great time to buy. He basically believes that because buyers have more power than they did three and four years ago, and they have more options, an emphatic prediction that the home ownership rate will fall below 60% there is profundity here. I mean, the census figures on this go back to the 1960s and the lowest it's fallen in all that time was 63% by the way, homeownership peaked in 2004 at 69% apartment values have crashed about 30% and It's probably going to get worse. So the worst isn't over, but likely will be by about the end of this year. So in Ken's opinion, most of the worst is over. I'm reading in between the lines there on that one. Hey, I hope you've been enjoying this show lately. Next week, we're going to change things up somewhat here. Recently, we've had rather prominent guests on the show, like the father of Reaganomics, David Stockman, then Russell gray last week, this week, the owner of 10,000 running units, Ken McElroy. And you know their perspectives and experience and influence, they are terrific. And I trust that you've learned from them. Next week, we'll have two GRE listeners here on the show, regular listeners, perhaps people more like you, because you can probably relate well to their stories. Until then, I'm your host. Keith Weinhold, don't quit your Daydream.   Speaker 3  51:59   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  52:22   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 TO 66866   The preceding program was brought to you by your home for wealth building, get richeducation.com    

Fallout from the U.S. strike on Iran's nuclear sites — including the political and economic implications of the attack. Also, dangerous heat hits the Northeast leading to major cities declaring heat emergencies. Plus, the reaction to the verdict in Karen Read's murder trial as more jurors speak out. And, a closer look at a new weight-loss pill — and how the medication could shake up the industry.

Extreme heat alerts stretch from the Midwest to the Northeast; How to spot sunburn, heat stroke and other summer skin concerns; Byrdie Beauty Awards: Top products under $60. Learn more about your ad choices. Visit podcastchoices.com/adchoices

President Trump posting on Truth Social on Monday that a cease-fire has been agreed between Israel and Iran. The announcement comes hours after Iran launched multiple missiles at a U.S. air base in Qatar. Qatar's Defense Ministry said it “successfully” intercepted the attack.The Trump administration can now resume deporting criminal illegal immigrants to countries other than their homelands. In a 6–3 ruling along ideological lines, the Supreme Court today reversed a lower court decision that had blocked the administration from carrying out such removals.A rare and dangerous June heatwave is sweeping across much of the country, putting nearly 150 million people under heat alerts from Texas to Maine. In the Northeast, temperatures are forecast to reach their highest levels in more than a decade.

Allen discusses US-UK tension over Chinese company Ming Yang's wind energy investment in Scotland, key offshore wind projects from HSM Offshore Energy and Great British Energy, Turkey's ambitious wind energy goals, and new leadership at the Global Wind Energy Council. Sign up now for Uptime Tech News, our weekly email update on all things wind technology. This episode is sponsored by Weather Guard Lightning Tech. Learn more about Weather Guard's StrikeTape Wind Turbine LPS retrofit. Follow the show on Facebook, YouTube, Twitter, Linkedin and visit Weather Guard on the web. And subscribe to Rosemary Barnes' YouTube channel here. Have a question we can answer on the show? Email us! There's tension between the US and UK over Chinese wind energy investment. The US government has raised security concerns about plans by Chinese company Mingyang to build a wind turbine factory in Scotland. Trump administration officials warned the UK about what they call national security risks. The factory would supply wind farms in the North Sea. UK ministers are now reviewing whether to block the project. They're worried about cybersecurity and being too dependent on Chinese technology. Security officials say Chinese wind turbines could contain electronic surveillance equipment. Mingyang is not state-owned, but critics worry the Chinese government could interfere. Deputy First Minister Kate Forbes had said Scotland was open to the factory. But the Scottish Government is waiting for security guidance from Westminster. A UK Government spokesperson said they would never let anything threaten national security. All energy investments face the highest security checks. Construction has officially started on Belgium's major offshore energy project. Workers cut the first steel this week at a factory in the Netherlands. They're building parts for the Princess Elisabeth hub. The artificial island will sit twenty-eight miles off the Belgian coast. The project will transport at least two point one gigawatts of wind energy to the mainland. That's enough power for millions of homes. HSM Offshore Energy is making high-voltage equipment at their Schiedam yard. Commercial director Hans Leerdam says this marks a key moment for European energy security. The island will also connect Belgium to other European countries, including the UK. Final assembly will happen in Schiedam and Vlissingen. Leerdam calls it one of Europe's most strategic energy projects moving from plan to reality. The UK government has announced a massive boost for offshore wind energy. Great British Energy is leading a one billion pound investment package. The money will fund wind turbine manufacturing, floating platforms, and port upgrades. Three hundred million pounds comes from Great British Energy. The Crown Estate and private companies are adding another seven hundred million pounds. The investment targets key regions including Teesside, South Wales, East Anglia, and Scotland. Officials say it will create thousands of skilled jobs. The government is also offering up to five hundred forty-four million pounds through its Clean Industry Bonus. This encourages developers to invest in deprived areas. The North East of England could receive up to two hundred million pounds. That might unlock four billion pounds in private investment. Scotland gets up to one hundred eighty-five million pounds for ports and high-tech components. The offshore wind expansion should support fourteen thousand new jobs over four years. Industry leaders believe this could boost the UK economy by twenty-five billion pounds by twenty thirty-five. Turkey is planning a major expansion of its wind energy capacity. The country aims to reach forty-eight gigawatts of wind power by twenty thirty-five. Turkey currently has nearly fourteen gigawatts installed. That makes it the sixth largest wind power producer in Europe and twelfth in the world.

In this episode, Chris and Nancy welcome Dr. Ameer Shah to discuss Inspire, a revolutionary treatment for obstructive sleep apnea. Dr. Shah breaks down the science behind the device, how it compares to CPAP, and what patients can expect before, during, and after implantation. This episode offers valuable insights into the importance of treating sleep apnea, lifestyle modifications versus advanced treatments, insurance coverage, MRI compatibility, visibility concerns, how Inspire works, and why it might become a first-line option. 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. 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!

In this eye-opening episode of Twenty Seven Degrees, hosts Dr. Christopher Joncas and Nancy Medeiros are joined by Caroline Alper to demystify one of the most frustrating aspects of modern healthcare: formularies and medication coverage.Caroline explains the ins and outs of the formulary process, offering practical advice on increasing the chances of prior authorization approval. She also speaks directly to physicians about the importance of knowing all available treatment options, not just defaulting to familiar choices. Learn how tools like cheat sheets and clinical decision support systems can help streamline prescribing in a way that benefits both patients and providers.This episode offers valuable insights for patients, caregivers, and clinicians alike—anyone who's ever been stuck waiting on a medication approval will walk away with a clearer understanding and tangible tips.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.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!

Midwest to the Northeast bracing for life threatening heat; Wisconsin couple accused of an elaborate poison plot; America Strong: A brave little boy can run around like a normal 7-year-old! Learn more about your ad choices. Visit podcastchoices.com/adchoices

Nate travels to SUNY Morrisville to sit down with Celeste Baldwin and Anyssia Ingersoll. Celeste is a Bainbridge-Guilford alumna, and Anyssia hails from Mexico, NY. Both are members of the Mustangs Women's Basketball team and were key former players on Nate's Armadillos squad. Celeste also plays softball, while Anyssia competes on the lacrosse team. Anyssia is one of the top female motocross riders in the Northeast as well. Listen in to hear how they balance multiple athletic activities at the college level. 

(0:00) Matt McCarthy begins the final hour of the show by giving the Red Sox Public Relations team some praise over their media availability the night of the Rafael Devers trade. (8:18) Top Sports Venue Destinations - McCarthy asks the people, "Which sports venues are on the bucket list to visit?" McTakey has the epiphany that baseball stadiums and golf courses make up the majority of his answer by highlighting the disparity between the different sports and their respective venues. (22:41) David Ortiz posts to social media text messages sent to Raffy Devers that went without a response that were time-stamped during the beginning portion of the season. Ortiz was offering advice to Devers - who had been struggling to start the season. Devers hits 2-run HR against former teammate, Brayan Bello live during Game 2 of series. McCarthy comments on Devers' arrogance in ignoring Big Papi's attempts to counsel him. (32:12) Matt McCarthy closes out the show clamoring for the PGA Tour to have more tournaments in the Northeast. ------------------------------------------- FOLLOW ON TWITTER/X: @MattMcCarthy985 | @jorgiesepulveda

Steve Maclin speaks with WrestleZone about TNA's return to Rhode Island, working on live TV, his initial thoughts of the TNA International Championship, Eddie Edwards, rates his wife's cooking, TNA's return to the Northeast, and more!

In this week's episode of the award-winning Tiger Talk podcast, join Northeast Mississippi Community College President Dr. Ricky G. Ford and Marketing and Public Relations Specialist Liz Calvery as Dr. Ford discusses how Northeast stays connected to the communities it serves—and why those connections are essential to the college's mission.Dr. Ford explores the role of “community” in community college and shares the various ways Northeast engages with its five-county service district: Alcorn, Prentiss, Tippah, Tishomingo, and Union counties—and beyond. He talks about the presence of satellite campuses in several counties and the importance of maintaining contact and offering classes in all five. The college not only provides academic education to the citizens of each county but also strives to be a strong economic partner with local businesses, leaders, and industries.Dr. Ford also highlights how Northeast helps strengthen the region's economy by producing a well-educated workforce ready to meet the needs of incoming and existing businesses. He praises the award-winning Adult Education program for its dual role in helping individuals earn their High School Equivalency (HiSET) diplomas and equipping them with the skills needed to become highly skilled members of the workforce.Plus, stay updated on the latest in athletics, academics, workforce development, and more at one of the nation's premier community colleges.Missed an episode? All Northeast Tiger Talk episodes are archived at https://nemcctigertalk.simplecast.com. For those who may have missed an episode, all Northeast TigerTalk episodes are archived at https://nemcctigertalk.simplecast.com.--NEMCC--Information about Northeast Mississippi Community CollegeNortheast Mississippi Community College is a leading educational institution that provides comprehensive academic, technical, and workforce training programs to empower students and promote lifelong learning. With a commitment to excellence, Northeast Mississippi Community College fosters a supportive environment that prepares individuals for success in their chosen fields.For more information about Northeast Mississippi Community College, visit http://www.nemcc.edu.

Here's the latest update from Fox Weather with Bob Van Dillen. Learn more about your ad choices. Visit podcastchoices.com/adchoices

As we prepare for season 7 of our investigation into Israel Keyes, we look back at some of the potential victims we've covered throughout the series and provide case updates and classification updates.This episode covers the following cases:• Kellisue Ackernecht • Jack Coloney • Suzy Lyall • John Hannemann • Marble Arvidson • Nancy Reagey  • Maura Murray • Brianna Maitland • Karen Adams • Bryan Gomez • Donnie Messier • Richard Petrone • Danielle Imbo Written, Researched, Edited, and Produced by Josh Hallmark. Book your Trova Trip to Bali!Get your ticket to the True Crime Podcast Festival in Boston (July 18-20). Use promo code JOSH20 for 20% off.SPONSORSBetterHelp: Get 10% off your first monthGreen Chef: Get free salads for 2 months, plus 50% off your first box with promo code TRUECRIMEBSFREEFor ad-free and early episodes, support the investigation at www.Patreon.com/StudioBothAndMusic by: Sergey Cheremisinov, Sero, and Radical Face Sources include: https://www.timesunion.com/news/article/police-search-new-lead-kellisue-ackernecht-s-2008-20019747.phpBecome a supporter of this podcast: https://www.spreaker.com/podcast/true-crime-bullsh--3588169/support.

This week on The Blizzard, Babyface is back from his trip to the Northeast and has stories to share—starting with his first visit to Fenway Park and a few too-real tales of traveling with the in-laws. He and Seth also dive into the NBA Finals, Game of Thrones nostalgia, and a heated take on why graduations are overrated. Plus, they touch on the tense situation between Israel and Iran with their usual unfiltered takes.It's a mix of sports, travel, world news, and classic Blizzard chaos you don't want to miss.Subscribe, rate, and leave a review—unless you're at a graduation. Then we get it.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

This week's podcast episode is an insightful interview with Lisa Li, the founder of The Qi, a company dedicated to flower teas. Conducted in a serene New York City space, the discussion explores Lisa's personal health journey—from a challenging thyroid disease that was healed through Traditional Chinese Medicine (TCM) to her subsequent decision to create naturally caffeine-free herbal teas due to her sensitivity to caffeine.  She highlights the medicinal properties and energetic balance of various flower teas, such as goji berries, chrysanthemum, and rose, explaining their roles as anti-inflammatory, detoxing, and nourishing agents. The interview delves into the philosophies of Eastern culinary traditions, emphasizing "light and gentle" flavors that support digestive health, contrasting them with Western preferences for "extra" flavors. A significant part of the conversation focuses on the importance of self-care and evening rituals for better sleep, advocating for herbal teas as a healthy alternative to addictive sleeping aids. Lisa also introduces several of The Qi's specific tea blends, explaining their benefits, ingredients, and the careful formulation process guided by TCM principles.  Check out the show notes at https://thisismodernaging.com/podcast/ ABOUT LISA As a child who grew up Northeast of Beijing, I drank a lot of teas with my grandma. And those moments were some of the most nourishing and healing times of my life. Holistic wellness for me as a child was much like brunch… it was simply a way of a joyful life. After feeling stressed, anxious, and burnt out from working in the notoriously grueling fashion industry for 10+ years I desperately wanted to go back to a time and place where taking care of myself was simple and wonderful. In the beginning of 2018 I took a transformative trip with my mom to Shangri-la, Yunnan where I discovered the Rose tea the locals enjoy. It was so unique and special - it was like nothing I've ever had, it transported me to a whole new floral paradise universe.  After tasting and testing over 100 flowering herbs and tens of thousands miles more traveled to source the finest ones The Qi was born. To bring you the most beautiful sensory tea ritual for a daily dose of Zen, beauty, and nourishment.

The Premier League derbies are back! But it's a rivalry that dates back to the English Civil War and runs a lot deeper than football. Total Sport's Simon Pryde takes us through how the derby began, the moments that have gone down in history - and what the derby means to the players, fans and to the North East as a region.

This week, Carl is excited to welcome Dr. David Bass, a renowned chiropractic therapist, acupuncturist, and inventor. As the founder of the Neck & Back Pain Institute of Coral Springs, a treatment and training facility centered around the Antalgic-Trak®, Dr. Bass is transforming the path to pain relief. In this chat, Carl and David discuss Dr. Bass's unique journey from being one of the most successful chiropractic practitioners in the Northeast to relocating to Florida, where he developed the innovative Antalgic-Trak®. This groundbreaking piece of medical equipment has revolutionized spine pain management, providing relief to countless patients worldwide. Dr. Bass shares the inspiration behind the device, the challenges he faced during its development, and the eventual global success of his incredible invention. Carl also shares his personal testimony of overcoming chronic back pain through Dr. Bass's treatments, underscoring the device's effectiveness and Dr. Bass's compassionate approach to health care, pain management, and recovery.   Connect with Dr. David and The Neck & Back Pain Institute: Website LinkedIn Facebook    Connect with Carl: Instagram Facebook LinkedIn YouTube Website   Produced by: Social Chameleon

Time for some weird tales, Slackers!Step into the eerie underbelly of the 1980s as we unravel five paranormal stories that gripped the nation (or at least the Northeast), blending supernatural intrigue with everyday human drama. From objects defying gravity to a courtroom battle invoking demonic forces, these tales defined an era fascinated by the unknown. Whether you're a believer or a skeptic, the choice is yours.We begin with the Columbus Poltergeist Case of 1984, where a troubled teen's home erupted in chaos, sparking debates over paranormal phenomena versus psychological distress. Next, we explore a historic legal case where a shocking defense was argued, guided by the controversial demonologists Ed and Lorraine Warren. To set the stage, we'll introduce the Warrens' polarizing legacy as paranormal investigators, whose influence looms large in two other cases we'll uncover.Our journey continues to a Massachusetts farm, where claims of otherworldly torment clashed with allegations of deception and abuse. Then, we visit a Connecticut family living in a former funeral home, where alleged supernatural assaults raised questions about truth and the exploitation of the dead. Finally, we delve into a Chicago urban legend, where mysterious cemetery damage fueled tales of a restless spirit.A recurring theme in many of these stories is the Warrens' role in shaping the 1980s paranormal craze. Were these events glimpses of the supernatural or tragic manifestations of trauma and mental illness? We'll reflect on the era's obsession with the occult and the fine line between belief and doubt, inviting you to question what lies beyond the explainable.Share your thoughts or eerie encounters on Instagram, X, or YouTube @stuckpodx, like theStuck in the Middle: A Gen X Podcast Facebook page, or email us at stuckinthemiddlepod@yahoo.com. 

Make a name for yourself in the North East; Join Pat Fitzmaurice and Bo McBrayer for their top 2025 Travelers Championship picks and predictions! Can Scottie Scheffler (+280) find his groove with the flat stick? What makes Patrick Cantlay (+2200) a horse for the course? Plus, will Akshay Bhatia (+6500) back up his top-five finish in his debut at TPC River Highlands with another strong weekend? We dive into the betting odds, analyze the favorites and long shots, and reveal our top betting card selections. Plus, we reveal our one-and-done picks to help you maximize your winnings for the PGA season! Timestamps: (May be off due to ads) Intro - 0:00:00US Open Recap - 0:00:16BettingPros App - 0:16:18TPC River Highlands Preview - 0:16:59Novig - 0:21:01The Favorites - 0:22:20The Mid-Range Plays - 0:28:19The Longshots - 0:31:39Betting Cards Review - 0:33:46One-&-Done Selections - 0:34:25Outro - 0:35:27 Helpful Links: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠BettingPros App⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ - Make winning bets with advice and picks from top sports betting experts. The BettingPros app puts consensus and expert-driven sports betting advice at your fingertips to help you pinpoint the best odds and make winning bets. Download it today on the ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠App Store⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ or ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Google Play⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠BettingPros Discord⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ - Looking to up your game in sports betting? Join our exclusive sports betting Discord community at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠bettingpros.com/chat⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠! Not only can you connect with expert handicappers who provide free picks for NBA, NFL, MLB, NHL, player props, live betting, and more, but now you can also participate in our weekly community picks. Cast your vote, see how your picks stack up against the experts, and track your success! ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠BettingPros Pick Tracker⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ – Want to track all of your wagers in one place? Check out the BettingPros Pick Tracker. It syncs up with your sportsbooks to tally which picks hit, and which miss AND gives you a live look at what the public is doing so you can use real-time tracking to determine which plays to make, and which to fade: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠bettingpros.com/pick-tracking⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠Twitch⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ - FantasyPros is now LIVE on Twitch! When the MLB season begins, join us every weekday at 12 PM Eastern for Leading Off -- your daily dose of fantasy baseball news, insights, and strategy. Ask questions, get insight, and interact live! Follow us now at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠twitch.tv/fantasypros⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and never miss a stream! A bigger lineup of exclusive, interactive live content is on the way! Bet365 - Bet365 has a special offer for our listeners! Turn five dollars into one hundred and fifty dollars of bonus bets when you join Bet365. To claim the offer, just go to bettingpros.com/365 and deposit at least ten dollars. If you place a bet of at least 5 dollars, you’ll earn 150 dollars in bonus bets. Again, that’s bettingpros.com/365. 21+ Only. Must be present in Arizona, Colorado, Illinois, Indiana, Iowa, Kentucky, Louisiana, North Carolina, New Jersey, Ohio, Tennessee, or Virginia. Gambling problem? Call 1-800-GAMBLER or 1-800-BETS OFF (if you live in Iowa). Terms & Conditions Apply* ⁠⁠⁠⁠Novig - Looking for a smarter way to bet on sports? There's a new sports tradingh platform that's changing the game -- it's called Novig. It’s legal in most states, including Georgia, California, and Texas. It’s peer-to-peer, which means you’re competing against other users, not the house. You can often get better lines than traditional books. You can set your own lines, which gives you control most sportsbooks just don’t offer. There are no commissions or hidden fees — seriously. It uses a coin deposit system, but it’s REAL money. And you can use code DAILYJUICE for 50% off your first coin purchase, up to $25. Check it out now at bettingpros.com/novig. See omnystudio.com/listener for privacy information.

2/3 of Massachusetts voters support expanding access to abortion later in pregnancy, according to recent polling. Massachusetts still has on the books a 24-week abortion ban, with additional exceptions later added. Jeanette Kincaid, Associate Director of Care Coordination at DuPont Clinic and Kate Dineen, abortion later in pregnancy patient and advocate and Board Member of Reproductive Equity Now, sit down to talk with us about Massachusetts' abortion access status and the reality of exceptions.When Kate, located at the time in Massachusetts, had a personal experience needing access to an abortion later in pregnancy, she was told travel would be necessary to obtain care. Kate then traveled to the Washington, D.C. area to receive the care she needed. Currently in the Massachusetts, Kate and other advocates are working to pass the Prioritizing Patient Access to Care Act, which would expand access to abortion care after 24 weeks of pregnancy based on the best professional judgement of a licensed physician. Getting rid of the state's gestational ban would increase access to care and equity not only for Massachusetts, but for the Northeast region. For more information, check out Boom! Lawyered: https://rewirenewsgroup.com/boom-lawyered/ Support the showFollow Us on Social: Twitter: @rePROsFightBack Instagram: @reprosfbFacebook: rePROs Fight Back Bluesky: @reprosfightback.bsky.social Email us: jennie@reprosfightback.comRate and Review on Apple PodcastThanks for listening & keep fighting back!

Amr Hallaba immigrated from Egypt in 1998 when he was just 16 years old joining his mother and sister who arrived before him. He stepped into his life in Georgia leaving behind all of his friends, his father, stepmother and stepsister. A new chapter was about to launch… with his high school diploma earned in Egypt it was now time to begin working while attending community college in the evening. His first job taught him hard work and resilience along with challenging, but impactful, techniques to manage conflict in the workplace. Moving into a new position in retail sales, he speaks fondly of his first mentor who worked closely with him in training and development, and how he worked his way to the #1 sales spot in the southern region. But, as a highly motivated and goal oriented professional, he wasn't totally satisfied with how long it was taking him to reach his goals so he decided to change his pathway into the car business. This pivotal career move would influence the trajectory of his professional path where he would meet an impactful auto dealer owner/operator who would mentor him and invest in his future changing his life on numerous levels. At just 29 years old Amr became a General Manager and attended the NADA Dealer Academy. Today he is the COO of a large dealer group expanding across the Northeast and the South, and still loves speaking to customers when he walks through the showroom. Whether it's navigating a customer issue or just a quick hello, he knows that a positive company culture is critical to success. With deep gratitude for his ample opportunities, he expresses an authentic statement to all immigrants…do not get discouraged, focus on your goal, and remember you can learn a lot from failures.

In this episode of The Passive House Podcast, Mary James sits down with Parlin Meyer, Managing Principal of BrightBuilt Home, and Chris Lee, Head of Design & Development at Backyard ADUs, for a deep dive into the growing world of accessory dwelling units (ADUs). Together, they explore how prefabrication, modular construction, and progressive policy shifts are reshaping the housing landscape in the Northeast and beyond. From multigenerational living to zoning reforms and cost challenges, Parlin and Chris share insights from the front lines of ADU design and delivery—what's working, what's not, and where this crucial housing type is headed.https://www.brightbuilthome.com/https://backyardadus.com/Thank you for listening to the Passive House Podcast! To learn more about Passive House and to stay abreast of our latest programming, visit passivehouseaccelerator.com. And please join us at one of our Passive House Accelerator LIVE! zoom gatherings on Wednesdays.

Entrepreneur and star of Dragon's Den, Sara Davies MBE tells Gabby how she started her hugely successful crafting business from her university bedroom, simply by identifying an envelope related problem and finding a solution. After putting her all into her work for many years, she talks about how her business ambitions have changed now she's in her forties, and why she's zoning in on what's really important to her. Sara also talks about being a home girl and deciding to stay in the North East; getting into healthy habits before the menopause; and having accountability angels which help her to stay on track with her health goals. For more on what Sara has learned about business, check out her new book The Six-Minute Entrepreneur. Hosted on Acast. See acast.com/privacy for more information.

Na'hum. (consolation). Nahum, called "the Elkoshite," is the seventh, in order, of the Minor Prophets. His personal history is quite unknown. The site of Elkosh, his native place, is disputed, some placing it in Galilee, others in AssyriaThe name refers back to Yahweh's compassion connected with Jonah's mission eighty-seven years before. The name Nahum is an abbreviated form of the name Nehemiah, which means “Comfort of Yahweh.”What is the purpose of this book? The book of Nahum is devoted exclusively to the announcement of the destruction of the city of Nineveh; the prophecy gave hope to the people of Judah who had long been terrorized by Assyria's constant and ominous threatBefore I get into this study, I continue with our study on what the Capital Building is all about. Was the Capital design to be a Temple set up by the founders of the New World Order?  In this study, I take a look at the man who is at the center of all this George Washington. We must ask ourselves, “Was Washington a Man of God? Or God-Man?”Beginning with this Chapter 2 and in this Chapter 3 we now read of Nineveh's destruction.As we continue is this Chapter 3 verse 10, we still see the;2:1 - 3:19. DESTRUCTION OF NINEVEH.   2:1-2. Yahweh's. = challenge to fight.   2:3-10. Judgment. = Invasion.   2:11-13; 3:1-7. Causes. = Hostility.  3:8-10. Examples. = Citation.   3:11-13. Examples. = Application.   3:14. Yahweh's. = challenge to fight.   3:15-17. Judgment. = Devastation.   3:18-19. Causes. = Hostility With everything going on, Yahweh reminds Nineveh that Thebes was destroyed (10)Yet was she, &c = The cuneiform monuments tell us that Thebes, the old capital of Egypt, was destroyed by Assyria about 663 B.C. She = i.e. Thebes. Therefore, Nineveh too will fall (11)Yahweh's judgment has an eternal aspect, it never ends. Yahweh can be comforted by His judgment.Thou = i.e. Nineveh. We as a nation are like the Ninevites. We see empires and nations judged in our own day and in history, just like the Assyrians saw Thebes destroyed. Yet we, like the Ninevites, somehow think that we will be spared, despite our sinful arrogance and rebellion.be drunken = i.e. drink of the cup [of judgment]; or, be stupefied by thy calamity. be hid = hide thyself. strength = strength [for defense]; hence = "thou shalt seek a stronghold, or refuge [in vain]". Have you know guys in the military that like to brag? Well listen to what the Yahweh has to say!12  Your strongholds are fig trees with ripened figs = As easily as ripe fruit falls from a shaken tree, so would the strongholds of Nineveh fall before the judgment of Yahweh. We often have our strongholds of sin and pride that we put great confidence in, but they are ready to be shaken and fall to the ground.13  thy people = thy soldiers.women = unable to fight for thee (Isa. 19:16; Jerm. 50:37; 51:30).gates on thy land = the fortified passes or entrances to the region of Nineveh (compare Jerm. 15:7). Northeast of Nineveh there were hills affording a natural barrier against an invader; the guarded passes through these are probably “the gates of the land” meant.fire shall devour thy bars = the “bars” of the fortresses at the passes into Assyria. So in Assyrian remains the Assyrians themselves are represented as setting fire to the gates of a cityJoin me as we go Chapter by Chapter, Verse by Verse, Unraveling the Words of Yahweh!Have any questions? Feel free to email me; keitner2024@outlook.com 

The tiny creatures lurking in your backyard could change your life forever. Shira Haid knows this reality all too well, having battled severe tick-borne illnesses that left her unable to walk or speak. Today, she's turning that painful experience into purpose through her educational platform, Lemon or Lime.What began as a website has blossomed into a YouTube channel and growing social media presence dedicated to demystifying tick-borne diseases like Lyme, Babesia, and Bartonella. Shira's mission is clear: provide the resource she desperately needed during her own diagnostic journey that took three years and left her disabled.Throughout our conversation, Shira shatters dangerous myths about tick-borne diseases. The CDC's claim that ticks must be attached for 36-48 hours to transmit disease? False – some infections can transfer in just 15 minutes. That famous bullseye rash everyone associates with Lyme? Only 20-30% of patients ever develop it. And the notion that ticks only exist in wooded areas of the Northeast? Wrong again – they're virtually everywhere except Antarctica, including desert states at higher elevations.Perhaps most alarming is Shira's discussion of co-infections and emerging threats like Alpha-gal syndrome, a tick-transmitted condition causing potentially life-threatening allergic reactions to mammalian products – including medications. With 70% of pharmaceuticals containing mammalian ingredients, this presents a frightening challenge for affected patients.For those concerned about prevention, Shira offers practical advice: treat clothing with permethrin, use Picaridin lotion on exposed skin, perform regular tick checks, and maintain shorter lawn heights. Hunters and hikers should consider specialized clothing with elastic cuffs that prevent ticks from accessing skin.Connect with Shira on YouTube and Instagram @LemonorLime (remember, that's Lyme with a Y!) and join her mission to raise awareness about these devastating but preventable diseases.Send us a text Are you living with a chronic illness and want to make your voice heard? Rare Patient Voice connects patients and caregivers with research opportunities—so you can share your experiences and get paid for your time! Your insights help drive real change in healthcare.Let's Get Started - Rare Patient Voice Support the showSupport:https://rarepatientvoice.com/Myspooniesisters/https://www.etsy.com/shop/MySpoonieSistershttps://www.graceandable.com/?bg_ref=980:nzTyG6c9zK (Use code GAJen10)Website:https://myspooniesisters.com/ Discount Codes: GIANT Microbes | Gag Gifts, Teacher Gifts, Doctor Gifts, Gifts for Girlfriends and Boyfriends code SPOONIE20 for 20% off

Moisture will not be in short supply for the next week or so in the Northeast and Midwest, as evidenced by high humidity levels and frequent showers and thunderstorms, AccuWeather meteorologists say. But around the official start of the summer season, building heat in the West is forecast to fight its way to the East. In addition, the heat wave in the central United States will occur around the time of the year when the sun is highest in the sky and can make for sweltering to dangerous conditions. Learn more about your ad choices. Visit podcastchoices.com/adchoices

In this episode of Hustleshare, we sit down with Mr. Michael Sta. Maria, the dynamic President and CEO of Northeast Business Solution, Inc. — a company at the forefront of digital transformation and business optimization in the Philippines.Michael shares the inspiring story behind Northeast Business Solutions, Inc.: how it grew from a promising concept into a trusted provider of software solutions for companies across various industries. With a strong focus on innovation, client service, and operational excellence, he walks us through the company's evolution, its key milestones, and the challenges he faced as a leader navigating today's fast-changing digital landscape.This episode also explores how Northeast Business Solutions, Inc. has harnessed the power of technology — including strategic partnerships with digital providers like PLDT Enterprise — to deliver smarter, scalable, and future-ready solutions to clients. A must-listen for forward-thinking entrepreneurs and executives looking to lead with vision, agility, and purpose in the digital era.This episode is brought to you by Onecfo PH and PLDT Enterprise.PLDT Enterprise: - MSME Fiberbiz - https://bit.ly/pldtenterprise-ROId-nbsi-fiberbiz - 5G SIM Only - https://bit.ly/pldtenterprise-ROId-nbsi-smart-postpaid Test https://plus.acast.com/s/hustleshare. Hosted on Acast. See acast.com/privacy for more information.

In this kickoff episode of the AmateurGolf.com Podcast's Major Preview Series, host Brian takes you deep inside one of amateur golf's most prestigious events—the 63rd Northeast Amateur Invitational at Wannamoisett Country Club (WAHN-uh-moy-sit). With exclusive insights powered by data and AI, Brian breaks down the history, course strategy, elite field, and what it'll take to win. From defending champ Anthony Delisanti to rising stars like Ben James and Miles Russell, this preview gives you everything you need to watch—and who to watch—for one of the summer's most defining tournaments.Amateur Golf Links:AmateurGolf.comSubscribeInstagramTwitterFacebookYouTube

The South may be in trouble. While inflation remains elevated in the Northeast and Midwest due to persistent housing costs, the South is showing clear signs of a slowdown. In this episode, we break down Bloomberg columnist Conor Sen's latest analysis on why Southern states like Texas, Florida, and Tennessee are at greater risk of an economic drag. With rising housing inventory, stalled construction, and slowing price growth, regional divides are deepening. We also look at how the Fed's rate policy and new legislation out of Washington could make the situation worse. Read the article: https://www.bloomberg.com/opinion/articles/2025-06-13/the-south-is-beating-inflation-but-not-housing Learn more about your ad choices. Visit megaphone.fm/adchoices

  https://slasrpodcast.com/      SLASRPodcast@gmail.com    Welcome to Episode 199 of the Sounds Like A Search and Rescue Podcast! Tonight we are joined by Katie Pasquarella, Katie is a hiker and climber who enjoys exploring the Northeast and sharing her adventures on Instagram! Tonight Stomps dusts off the mic and fills in for Mike, and we'll discuss why it might not be a great idea to do mushrooms while hiking in the Adirondacks, a tragic story of a father and daughter passing away on Maine's highest peak, Mike, Stomp, and Nick gear up for the SLASR 200th tomorrow, Stomp shares a book review, Stomp and crew helps to support the Cannon Mountain Cirque Series, we discuss some recent hikes, catch up on Notable Hikes, New Hampshire has seen 12 consecutive saturdays with measurable rainfall, and more, on this episode of the Sounds Like A Search And Rescue Podcast!     This weeks Higher Summit Forecast SLASR 48 Peaks Alzheimers team - Join here!    About Our Guest @katiepasquarella on Instagram   Topics Nick's Music Minute - Color Theory - Soccer Mommy - 2020 200 Episode Reminder - Mt. Washington Road Race  Lightning Safety Reminder Alpine Garden is in bloom and the Lupines are as well Our friend Stash from the Inside the Line: Catskill Mountains Podcast gets a plug in the New York Times Knobbie saves a skunk  New Hampshire can't escape rainy Saturdays Listener Dan Forget is carrying his rower up all 48 peaks Nick and Stomp finally wrapping up their musical project Stomp's book review of “4000's by 40” by Author Matt Larson and Nick visits Woodpecker Studios North Coffee Donations Recent Hikes Notable Hikes Guest of the Week - Katie Pasquarella Recent SAR News   Show Notes Apple Podcast link for 5 star reviews SLASR Merchandise SLASR LinkTree SLASR's BUYMEACOFFEE Soccer Mommy “Color Theory” Wikipedia Lightning Safety Harman's Cheese & Country Story Lupine Reports Rainy New Hampshire Weekends WMUR Father and Daughter Found Dead Near Maine's Highest Peak Tripping hikers mistakenly reported a companions' death in the Adirondacks Popular Hiking Influence Found Dead Off Scottsdale, Arizona Trail Hiker Assisted on Zealand Trail in Bethlehem Injured Rock Climber Rescued at Rumney Rocks Climbing Area Injured Hiker Rescued on Mount Kearsarge in Warner SLASR 48 Peaks Alzheimers team - Join here!  Sponsors, Friends  and Partners Wild Raven Endurance Coaching 2024 Longest Day - 48 Peaks Mount Washington Higher Summits Forecast Hiking Buddies  Vaucluse - Sweat less. Explore more. – Vaucluse Gear Fieldstone Kombucha CS Instant Coffee

Many North Americans would love to catch brown trout in their native environment, and most of us think of the UK or France or Slovenia for wild, native brown trout. But, Spain has a long history of fly fishing in the Pyrenees (Hemingway loved fly fishing in the Pyrenees and called this region "the closest thing to heaven") and for the traveler, there are many rivers with public access. Spain has small freestone mountain streams, lakes, and tailwaters that offer excellent trout fishing and my guest this week, Ivan Tarin [35:59], of Salvelinus Adventures, has spent thirty years exploring these rivers and has many tips to offer.   In the Fly Box this week, we have some interesting questions and also a listener who was upset by my attitude in a recent podcast: Do you have any advice to help me catch more trout on dry flies? Does it matter that jig flies ride upside-down? Why can't I catch a fish on a Pheasant Tail nymph? What is the best color for a background on a fly-tying table? How do you keep track of the leader and tippet you have on a fly line? How long with rivers in North Carolina take to recover from the devastating floods? Why has trout fishing been so lousy in the Northeast this spring? What should I do when trout are feeding on tiny flies? Small dries are too small for me to see. Should I work a small bass river upstream or down? I don't do well on dropoffs. How should I fish them? What is the difference between Helios F and D versions, and what is the difference between the 9-foot and 9-foot 5-inch Helios 5-weight models? A listener takes me to task for making fun of conventional bass anglers.

On the podcast this week Rosie is multi-tasking as she gets ready for a hen do whilst sharing beefs and reading some brilliant QFTP's! Chris shares a new diagnosis that is causing him some stress (natch) and the pair get mad at North East weather, do some Yodelling and get round to some wacky wacky do da headlines in a newish segment, Extra Extra! Email the podcast shaggedmarriedannoyed@gmail.com Learn more about your ad choices. Visit podcastchoices.com/adchoices