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Paul Lane and Marc Fandetti discuss job growth revised down by 911,000 through March, signaling economy on shakier footing than realized. American workers are losing confidence. US consumer borrowing rises to most in three months. Are lumber prices flashing a warning sign? Big Oil slashes jobs and investments as low crude prices bite. Hasbro will move its headquarters to Boston's Seaport. It's a big loss for Pawtucket.

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Keith discusses the impact of political rhetoric on mortgage rates, emphasizing the importance of central bank independence.   President of Ridge Lending Group and GRE Icon, Caeli Ridge, joins in to explain the benefits of 30-year mortgages over 15-year ones, advocating for extra principal payments to be reinvested rather than accelerating loan payoff.  They also cover the potential effects of Fannie and Freddie going public, predicting higher mortgage rates. Caeli Ridge elaborates on cross-collateralization strategies, highlighting the advantages of commercial blanket loans for real estate investors.  Resources: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Show Notes: GetRichEducation.com/568 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:   Keith Weinhold  0:01   welcome to GRE I'm your host. Keith Weinhold, the President has called the Fed chair a dummy and worse. How does this all affect the future of mortgage rates? Also, I discuss 30 year versus 15 year loans. Can you bundle multiple properties into one loan? Then how Fannie and Freddie going public could permanently increase mortgage rates today on get rich education   Keith Weinhold  0:28   since 2014 the powerful get rich education podcast has created more passive income for people than nearly any other show in the world. This show teaches you how to earn strong returns from passive real estate investing in the best markets without losing your time being a flipper or landlord. Show Host Keith Weinhold writes for both Forbes and Rich Dad advisors and delivers a new show every week since 2014 there's been millions of listener downloads in 188 world nations. He has a list show guests and key top selling personal finance author Robert Kiyosaki, get rich education can be heard on every podcast platform, plus it has its own dedicated Apple and Android listener phone apps build wealth on the go with the get rich education podcast. Sign up now for the get rich education podcast, or visit get rich education.com   Speaker 1  1:14   You're listening to the show that has created more financial freedom than nearly any show in the world. This is get rich education.   Keith Weinhold  1:24   Welcome to GRE from Pawtucket, Rhode Island to Poughkeepsie, New York and across 188 nations worldwide. I'm your host. Keith weinholdin, this is get rich education, not to inflate a sense of self importance, but each episode is an even bigger deal than a New York Jets preseason football game. You might have thought you knew real estate until you listened to this show, from street speak to geek speak. I use it all to break down how with investment property, you don't have to live below your means. You can grow your means as we're discussing the mortgage landscape this week. You know, I recently had a bundle of my own single family rental homes transfer mortgage servicers from Wells Fargo over to Mr. Cooper. And that was easy. I didn't have to do anything. The automatic payments just automatically transferred over. And yes, Mr. Cooper, it's sort of a funny sounding name that you don't exactly see them putting the naming rights on stadiums out there, but the new servicer prominently wanted to point out the effect of me making extra $100 monthly principal payments and how much in interest that would save me over time, sort of suggesting that it would be a good idea for me to do so. Oh, as you know, like I've discussed extensively, extra principal pay down is a really poor use of your capital. It's a lot like how in the past, now you've probably seen it like I have, your mortgage company promotes you making bi weekly payments all year, so you'd effectively make some extra principal pay down each year. That way. Don't fall for it. Banks promote biweekly payments because it sounds borrower friendly, it encourages an earlier loan payoff. Well, that actually reduces lender risk and increases your risk. And the whole program can come with extra fees too. It just ties up more of your money in something that's unsafe, illiquid, and with a rate of return that's always zero, since that's exactly what home equity is. As we're about to talk mortgages with an expert today, I will be sure to surface that topic. We'll also talk about the housing market effect of a president firing a Fed chair. When you're living under the rule of a president that desperately and passionately wants lower interest rates, you've got to wonder what would happen if a president just had the power to go lower them himself, which is actually what most any president would want to do, but you almost don't have to wonder what would happen. You can just look at what actually did happen in Turkey. Now, yes, Turkey already did have an inflation problem, worse than us, for sure, but Turkish President Erdogan went ahead and lowered Turkey's interest rates despite persistent inflation. I mean, that's a situation where most would raise rates in order to combat inflation. Well, lowering rates like that soon resulted in substantially higher inflation to the tune of almost 60. Yes, six 0% per year before cooler heads prevailed and the Turkish government was forced to drastically raise rates. But it was too late. The damage was already done to the reputation of Turkey's economy and its everyday citizens and consumers. I mean, that was a painful, real world example of how critical central bank independence is. You've also got to ask yourself a question here, do you really want to live in the type of economy where we would need a bunch of rate cuts? Because when rate cuts happen, it usually results from the fact that people are no longer employed, or we're in a recession, or financial markets are really unstable. So there are certainly worse maladies out there than where we are today, which is with moderate inflation, pretty strong employment and interest rates that are actually a little below historic levels. I mean, that is not so bad. Before we talk both long term mortgage lessons and more nascent mortgage trends today coming up on future episodes of the show here, a lot of info and resources to help you build wealth as usual. Also an A E TELEVISION star of a real estate reality show will make his debut here on GRE.    Keith Weinhold  6:24   Hey, do you like or even live by any of the enduring GRE mantras, like, Don't live below your means, grow your means, or financially free, beats debt free, or even, don't quit your Daydream. Check out our shop. You can own merch with sayings like that on them, or simply with our GRE logo on shirts and hats and mugs. And I don't really make any income from it. The merch is sold at near cost, and it actually took a fair bit of our team's time to put that together for you. So check out the GRE merch. You can find it at shop.getricheducation.com that's shop.getricheducation.com   Keith Weinhold  7:18   today we're talking to the longtime president of ridge lending group. They specialize in providing income property loans to real estate investors like you, and she's also a long time real estate investor herself. I've shared with you before that ridge is where I get my own loans. They've worked with 10s of 1000s of real estate investors, not just primary residence owners, but real estate investors as well as homeowners all over the country, and at this point, she's like a GRE icon, a fixture regularly with us since 2015 Hey, welcome back to get rich education the inimitable Chaley Ridge,    Caeli Ridge  7:54   ooh, Mr. Keith Weinhold, thank you, sir. So good to see you, my friend. Thanks for having me   Keith Weinhold  8:00   opening up that thesaurus tab right about now, I think maybe JAYLEE, why don't we have the chat everyone wants to have? Let's discuss interest rates, starting with the vitriol from Trump to Powell has reached new heights. This year, Trump has called Powell a numbskull, Mr. Too late, a real dummy, a complete moron, a fool and a major loser, among other names. And you know, at times, I've seen Realtors even blasting Jerome Powell for not cutting rates. Well, the Fed doesn't directly control mortgage rates, and it's also not the Fed's job to boost Realtors summer sales. It's to protect the long term stability of the US economy. Tell us your thoughts.    Caeli Ridge  8:48   So this is a rather complicated topic, okay, and there's a lot that under the hood that goes into how a long term mortgage bond interest rate is going to go up or going to go down. As you said, it's not necessarily just the Fed and the fed fund rate, which, by the way, for those that are not familiar with this, the fed fund rate is the intra daily trading rate between banks. So while there is a connection between that and that of the 30 year long term fixed rate mortgage, they are not the same thing. And in fact, statistically, I believe I read this last week, the last three fed fund rate reductions did the opposite to long term rates, right? So we went the other direction. So please be clear that the viral, as you say, of President Trump and what his opinions are about Mr. Powell and his decisions to keep that fed fund rate unchanged for the last several meetings that they've had, I think, is more of a distraction, but that's another conversation overall. I would say that, is he too late? Is he right on time? You know, there's so much data and so many data points that they're looking at, and there's this thing in the industry called a Lag that, in truth, they're not getting the actual data points that they need real time. It's lagging, so the data that's coming out to them today isn't going to be what's relevant and necessary to make changes tomorrow, next month and next week. Most recently, you probably saw in the news the BLS Bureau of Labor and Statistics and the jobs report came in far under what the expectation was. So that might have been the catalyst. I think that will drive Powell and group to reduce that is the overwhelming expectation that the fed fund rate is going to come down by how much. We don't know. Secondary markets are already baking that in, by the way. So when we talk about long term interest rates, I'm starting to see some changes on the day to day. I get access to that stuff, and I'm looking at it daily, the ticker tape of where the treasury bonds and things are. So I'm starting to see some slight improvement to interest rates in preparation of that market expectation, interest rate on the fed fund level will probably reduce. But I think overall, Keith that the Fed is in a really difficult position, because when you think about what really is going to drive the fed fund rate, and then potentially the long term rate, is counterintuitive to what most people or consumers expect, right? They think if the fed fund rate reduces by a quarter of a percentage point, then a long term 30 year fixed should probably reduce by the same amount. It does not go hand in hand like that. Now, while there are trends right, that doesn't happen that way, and more often than not, the worse our economy is doing, the better a 30 year interest rate will be. So in my industry, I'm kind of always playing on the fence, thinking I don't want anything bad for our country and the economy. However, the worse it does, the better interest rates are going to become. And if you've been paying attention, the economy is in decent shape. We're not doing that bad. Inflation is still up, so the metrics that they're using to kind of gage and predict that lag and where we're going to be are not in line to say that interest rates are going to drop a half or a point or a point and a half in the next year to 18 months. Those signs are not out there for me. All of that said, I know that interest rate is top of mind for I mean, I'm on the phone all day long. I like that part of my job where I'm still interfacing with investors on day to day. Big chunk of my day is spent talking to clients, and that is one of the top questions, probably one of the first questions that come out of their mouth, where interest rates? What are interest rates? And what I have sort of started to really form and say to that question is, if interest rates are the catalyst to your success in real estate, you probably need to do a little bit more research, because interest rates should not be the make or break for your success. Well, as a real estate investor   Keith Weinhold  12:45   the Fed has a dual mandate of maximum employment and stable prices. Inflation, though still somewhat elevated, has stayed about the same the past few months. History shows us that the Fed is more comfortable with inflation floating up than they are with suppressed employment levels. To your point about recent reports about us not adding many jobs, and the Fed being concerned about that, the translation for those that don't know is, if the job market is weak, lowering rates, which is what increasingly people think they tend to do later this year. Lowering rates helps encourage businesses. It's more likely that businesses will borrow and expand and hire more people. Therefore, if rates are low now, whether that translates into a lower mortgage rate or not, by lowering that fed funds rate? Yes, there is that positive correlation. Generally, the lower the Fed funds rate goes, the lower mortgage rates tend to go although that isn't always the case. To your point. Shailene, late last year, there were three Fed funds rate cuts, and mortgage rates actually went up, which is somewhat of an aberration that usually doesn't happen that way, but that's the environment we're in. Most people think Fed rate cuts are coming later this year.   Caeli Ridge  14:04   Yeah. And I would say, you know, the other thing too, when we talk about the pressure that the Fed is under right now, specifically, Powell, he's being attacked, fine, and whether I agree or disagree, really important for listeners to understand that the indifference that the Fed is supposed to have right bipartisan, it's not supposed to have a dog in that fight. If it did the calamity, I think what would happen economically in this country would be devastating if other economic powers were to see that our particular financial institutions are swayed one way or another. Politically, that would be devastating to us. So I think Powell has done a decent job at staying the course. He's continued to do what he says, says what he does. So so far, I'm okay. Is he late to reduce rates? I don't know that I'm qualified to say that, maybe. But at the same time, I think that his impartiality has been consistent, and that for that part of it, I'm. Grateful   Keith Weinhold  15:00   for those who don't understand if Trump just told Powell what to do and Powell followed Trump's orders, how does that devastate the economy?    Caeli Ridge  15:09   It shows partiality to or Fieldy to one particular party, right? It's not an independent institution where financial policy quantitative easing, quantitative tightening, all of those different things that are necessary to keep the pistons pumping. It isn't it's very specific to Fieldy and the leader of telling based on potentially ego or other elements that have not a lot to do with fiduciary responsibility.   Keith Weinhold  15:37   If Powell did everything Trump said, I feel like we would have negative interest rates right now   Caeli Ridge  15:43   that could be a problem, especially if the economy and inflation is on the rise, and then you get the tariffs. I mean, there's so much layering to this. I mean, we could go on and on about it, but overall, let me close with this. I think that interest rates are probably on the run, if I had to guess. Now, there's all kinds of variables that could make that statement untrue, but overall, in the next year to two years, I do think we'll see some relief in interest rates, barring any major catastrophe. But again, investors, if your success, if you're tying your real estate portfolio, your real estate investing, whatever modality you're interested in, if you're tying that to an interest rate, and there's a certain number that you have ethereal in your mind, you're going to lose your success in real estate. Interest rate is a component of it, but it should not be tied to your success or failure. You should be able to do the math and look at the differences in real estate opportunities, investment, whether it be long term, short term, midterm, single family, two to four appreciation, cash flow, all those things should be considered, and you will find adequate returns independent of an interest rate. If you're diversifying that way   Keith Weinhold  16:49   there is more evidence that Americans have warmed up and gotten somewhat used to normal mortgage rates. This normalization of mortgage rates, they are pretty close to their historic norms. In fact, a recent housing sentiment survey done by turbo home found that in q1 of this year, 41% of homeowners surveyed said that a 6% mortgage rate was the highest they would accept on their next purchase. Right that was back in q1 today, up from 41%, 52% of respondents now say a 6% mortgage rate is the highest that they would accept. Evidence that people are warming up and normalizing this.   Caeli Ridge  17:30   The other thing too is the pandemic rates. Right? That's been a very hard shell to crack. The people that got these two and 3% interest rates during 2020 2021, part of 22 they're really reticent to let those go, and I think that they're doing themselves a disservice as a result. If you can get a second lean HELOC, okay, fine, but overall, if you're just going to let that untapped equity sit, it's going to be to your disadvantage. If you have any desire to increase your portfolio and your long term financial stability and wealth   Keith Weinhold  17:59   you're listening to get rich education. Our guest is Ridge lending Group President Cheley, Ridge much more when we come back, including 30 year versus 15 year loans. Which one is better and more things that the administration is doing to shake up the mortgage market. I'm your host. Keith Weinhold.    Keith Weinhold  18:15   the same place where I get my own mortgage loans is where you can get yours. Ridge lending group and MLS, 42056, they provided our listeners with more loans than anyone because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage. Start your prequel and even chat with President Cheley Ridge personally while it's on your mind, start at Ridge lendinggroup.com. That's Ridge lendinggroup.com.    Keith Weinhold  18:46   You know what's crazy? Your bank is getting rich off of you. The average savings account pays less than 1% it's like laughable. Meanwhile, if your money isn't making at least 4% you're losing to inflation. That's why I started putting my own money into the FFI liquidity fund. It's super simple. Your cash can pull in up to 8% returns and it compounds. It's not some high risk gamble like digital or AI stock trading. It's pretty low risk because they've got a 10 plus year track record of paying investors on time in full every time. I mean, I wouldn't be talking about it if I wasn't invested myself. You can invest as little as 25k and you keep earning until you decide you want your money back. No weird lockups or anything like that. So if you're like me and tired of your liquid funds just sitting there doing nothing. Check it out. Text family 266, 866, to learn about freedom. Family investments, liquidity fund again. Text family to 66866,   Rick Sharga  19:58   this is Rick sharga housing market. Intelligence Analyst, listen to get rich education with Keith Weinhold, and don't quit your Daydream.   Keith Weinhold  20:05   Welcome back to get rich Education. I'm your host, Keith Weinhold. We're talking with a familiar guest this week. That's Ridge lending Group President, Caeli. Ridge wealth is built through compound leverage faster than compound interest. And leverage means using loans. I think most everyone the first time in their life they look at loan amortization tables and learn things like, oh, with a 15 year loan, you pay substantially less interest, perhaps hundreds of 1000s of dollars less interest with a 15 year loan and its lower mortgage rate than you do with a 30 year loan and its higher mortgage rate. But a lot of people don't take that next step and look that Oh, rather than paying down my home loan with extra principal payments, if I just invested the difference, I would be substantially better off down the road. So in a lot of cases, the more sophisticated investor chooses that longer loan duration, the 30 year. That's the way I see it. What do you see? Most of your prefer there.   Caeli Ridge  21:12   It's one of my favorite topics to cover, because there's quite a few layers that I think can all connect. If an individual wants to pay less in interest very easily, I'm going to strenuously advise them to take a 30 year over a 15 year and just simply apply the difference. So let's just start with the applicable version of 15 versus 30 and how it can benefit or harm. Because this is what a lot of times people that go for the 15 year and wanting to pay less in interest. Don't understand, and it's never been delivered to them in a reasonable way, I guess. So just looking at those two, and then we'll get to the strategy of potentially reinvesting those dollars elsewhere. But just look at a 30 year and a 15 year. I am a massive deterrent against a shorter term amortization. I hate a shorter term amortization, because all that's going to do to the individual is limit their ability to qualify later on down the road. And the reason for that is, is that the shorter term, as you had described, is going to yield a higher monthly payment. So when we pull credit for an individual, that's a higher monthly payment that the debt to income ratio has to support, when in fact, if we simply just look at the two side by side, 15 year and a 30 year equal, equal loan sizes. The 15 year is going to have a lower interest rate. It's true, but the amortization is obviously half the amount. We've gone from 360 months, 30 years to 180 months, 15 years. So the payment obviously is going to be much, much higher if you take the payment difference between those two mortgage products and apply it with a 30 year fixed payment. Let's just call it 500 bucks a month, whatever the number is, and you are disciplined to send that extra 500 bucks every single month with your 30 year fixed mortgage payment. You will cross the finish line in 15.4 years, I think, is the average when you run the amortization, so you'll pay a few extra months worth of interest, but whatever, you'll never pay the higher interest that the 30 year has locked at because you've accelerated the payoff of the debt so quickly, and you've maximized your debt to income ratio and future qualifications never take the shorter term amortization. It is to your greatest disadvantage. I hate them. That's part one. Did you have a comment? I can see that your wheels are spinning.   Keith Weinhold  23:24   That is a great answer. If you get the 30 year loan instead of the 15 if you apply an extra principal payment, whatever it would be, call it 500 plus dollars, that you will kill off that loan, that 30 year loan in something like 15.4 years. Yes, and you'll have the lower payment amount for your qualification, going forward, you'll have more flexibility in your life. That's great. I didn't realize the difference 15.4 versus 15 was that small? That's a great takeaway.   Caeli Ridge  23:50   Yeah, absolutely. And the other piece, you kind of just hit on it, the individual's feet are not held to the fire at that higher payment. So let's say it's a rental, okay, whatever. It goes vacant for a month, or a couple months, God forbid, or whatever may be happening. You now get to choose. You are not obligated at that higher monthly payment. You can say, Okay, this month, I'm not going to pay the extra. I don't da, da, da. It's all within your control. So you're killing like four birds with one stone. I really prefer the 30 year amortization for all those reasons. So now let's take it and move into how I believe, and I agree with your philosophy, taking those dollars and applying them, because when we talk about mortgage interest, especially on investment property, okay, it's probably a slightly different conversation when we're talking about somebody's primary residence, home, but for an investment property to take that difference and apply it toward another investment, because the interest remember, you guys, we're investors. We want that Schedule E deduction, that interest deduction, as money goes a 30 year fixed mortgage, even today, as interest rates are elevated beyond the two and three percents that people somehow fixated on, that that's where interest rates should just be forever. You've got Mass. Amounts of interest deduction, so you're paying less in taxes. For that reason, there's so many reasons to stretch out that mortgage on an investment property versus extinguishing that debt, not to mention, you want to constantly be harvesting equity, ideally, pulling cash out. Borrowed funds are non taxable, deploying them, but then taking that extra cash flow and stockpiling it for another investment, whether that just be the down payment or for other things. I just think there's so many better places that those funds can go to produce more wealth than accelerating the payoff of that debt that's benefiting you, from a tax perspective, and several other ways. There's lots of other ways to apply that money. I   Keith Weinhold  25:43   I often ask, why accelerate the payoff on a, say, 7% mortgage interest rate loan, when instead you can take those savings, reinvest them into other real estate, where it sounds preposterous on its face to think of the rate of return that you can get from an income property, but when you add up all the five ways you're paid, appreciation, cash flow, loan pay down, made by the tenant, tax benefits and the inflation profiting benefit on the long term fixed interest rate debt, a return of 20% plus is not out of the question at all. So if it's 20, why would you pay off extra on a seven? That's 13 points of arbitrage that you could gain there by not aggressively paying down a property and instead making a down payment on another income property. Chaeli, when it comes to these type of questions and accelerating a payoff, why do banks seem to encourage that you make bi weekly payments rather than monthly payments, therefore accelerating your principal pay down.   Caeli Ridge  26:42   I'm not sure the reason behind that. I don't know that I've even seen a lot of that from my lens and my perspective. It's definitely not something I ever comment or preach on. But the overall, what's happening there when you do it the bi weekly, so instead of making $1,000 at the first of the month, you make 500 and then 500 right, middle of them on first of the month. What's happening there is, because of the way the annual calendar goes, it ends up being an extra payment per year, right? I think that's the math. Is, when you do it that way, you end up making an extra payment per year, so you can accelerate. And there's you're not doing anything different, necessarily, to in your cash flow, etc. So I don't think there's anything wrong with it. I don't know what the benefit is to the institution that would in communicate that to its consumer. Yeah,   Keith Weinhold  27:27   Yeah, it ends up being 26 bi weekly payments, which has the effect of making 13 monthly payments in a 12 month year, accelerating your pay down. In my experience, it seems that banks encourage this. They contact borrowers. They've contacted me in the past, laying out a welcome mat. Hey, would you like this plan here? And in my mind, accelerating the payoff. We already talked about how that's typically not a good investment. The more you know about the trade off between loans and equity, really, I'm transferring more of the risk onto myself and less they're onto the bank when I accelerate my payoff. So I agree. I'm not interested in doing that at all.    Caeli Ridge  28:06   You know, maybe Keith, it could be, because I people talk about this a lot, those people, and let's say that there are a group of individuals that might benefit. Let's say they're in phase three, right? They're well into retirement. They just want to start paying off. They're not maybe investing anymore. They just want to leave that legacy, perhaps, or whatever their circumstances are, and they don't want to take additional capital and apply it to the principal and lock up those funds and make them illiquid. So maybe, just as an easy sidebar, they just make two payments month versus one. I get a lot of people asking that question. I mean, over the years, I know that like at the closing table, we'll have clients say, Hey, is the servicer going to be set up to accept bi weekly payments? And a lot of times they don't like SLS. I mean, there's a lot of servicers out there that will not accept or don't have the infrastructure to collect those bi weekly so maybe just as a consumer desire out there, the servicers have gotten wise to it, and they just offer it. I can't think of the reason behind why they would promote that to their database. I don't know.   Keith Weinhold  29:09   Another question that I hear quite often, and probably do as well there is about bundling multiple properties into one loan. Can you tell us about that?   Caeli Ridge  29:20   Yeah, that's called cross collateralization. So we're taking residential property, okay, and putting them into a commercial blanket loan. So any combination of single family, up to four unit, five Plex and above is now considered commercial. So it's got to be single family, condo, duplex, triplex, fourplex, right? It's residential property, and they're taking any combination of that and putting it into one blanket loan, cross collateralizing it. Now, I believe the most incentivized way or desire to want to do this is probably for two reasons. One, to free up golden tickets, right? Golden tickets are those Fannie Freddie loans that we talk about a lot. There are 10 of these per qualified individual, if. If someone has maxed out their golden tickets, let's say they've got 12, 1314, properties, they could take five or 10 or 13, whatever the number, and put them into a commercial blanket cross collateralized loan, as long as it's non recourse. That means no personal guarantee is attached to it. The rule per golden ticket will free up all those spaces. So usually this applies to an individual that has a portfolio that has stabilized. This will usually work when the portfolio has had a couple of years to make sure that you've got your consistent tenants and anything that may come up, repairs, maintenance, et cetera, stabilized portfolios and then putting them into that cross collateralization, because the terms are not going to be the same as just a 30 year fixed Okay, especially if you're going to be looking to take cash out and harvest equity that way, that may be a real opportune time to borrow funds. Borrowed funds are non taxable once again, pull the cash out, put it into a non recourse loan. You've got half a million dollars of capital now that you can then go and get a whole new set of golden tickets for expanding your portfolio. So that's something that we focus on for individuals that have maybe maxed out of that that conventional landscape and or are looking to scale and acquire more properties, but they don't want to necessarily look at some of the DSCR loans. They want to get back into the Fannie Freddie box.    Keith Weinhold  31:22   Yeah, so someone could bundle and get cash out simultaneously, potentially, is there anything else that qualifies or disqualifies one for bundling many loans into one like this?   Caeli Ridge  31:35   It's a commercial underwrite. So they should be aware of that. Now, certainly, we're looking at the individual typically in those loans, the underwriting of those loans, the individual's liquidity and credit are most what we're focusing on, but it's about the property in the portfolio, DSCR, that debt service coverage ratio is a big factor. So we're looking at the income against the monthly expense. Generally. That's going to be the principal, interest, tax and insurance on a commercial basis, they throw in the maintenance, vacancy, et cetera, averages. So you want to see, generally speaking, about 1.2 on those when you divide the incomes and the expenses and then otherwise, yeah, LTV might be a little bit restricted on something like that, 70% usually, maybe you can get as much as 75 if you've got a really strong portfolio. But otherwise, for you, individually, liquidity, some liquidity there, and good credit is what is important. As long as the portfolio is operating at a gain, then you're good to go.    Keith Weinhold  32:32   Yeah, that cross collateralization could be really attractive. Well, Chile, we've been in this presidential administration that has shaken things up like few, if any, prior administrations have. One of those things is that they have pushed for cryptocurrency holdings to be recognized as assets in mortgage loan qualification. Now that's something that would probably pend approval by the FHFA and critics cite volatility. I mean, there's been a pattern where every few years, Bitcoin drops 80% before rebounding, and I'm not exaggerating, and that has happened a number of times. And another administration desire is this potential Fannie Mae Freddie Mac merger, or an IPO an initial public offering. Can you tell us what that's about   Caeli Ridge  33:21   let's start with the crypto first, whether or not this, this gets through the Congress and or FHFA, however, that that develops and becomes actualized, that may be different than what the lending institutions decide to take a risk on, right the allowance of that crypto so it even if it's approved and they say that, Yes, that we can use this for asset depletion or reserve requirements, or whatever it may be. I don't know necessarily that you're going to see a lot of the lending institutions jump on board. I think they'll probably have overlays. It's just kind of the layering of risk on the crypto side to ensure that the asset and the underwrite is less likely to default. I don't see a lot of lending institutions that are probably going to jump on that bandwagon immediately. That's probably going to need more time and consistency with that particular asset class. That's the crypto thing. So that's a TBD on the other side, we're talking about conservatorship. So post, oh 809, right? The housing crash and Dodd Frank, if you've not heard of those names before, they're just the last names of individuals that that rewrote that sweeping legislation across all sectors of finance. Once we saw housing and lending implode upon each other, Fannie Freddie, as a result, went into conservatorship. Now what they're saying, what the administration is saying is, is that they are going to say that the implicit guarantee actually, let me back up really, really quickly. I will not take too much time on this so Fannie Mae and Freddie Mac The reason that those products are the golden tickets, as we call them, and we're just focused on investor products right now is because highest leverage, lowest interest rate. And why is it like that? That's because it has a United States government guarantee. Against default. So this mortgage backed security is bundled up with other mortgage backed securities and sold, bought and sold on the secondary market to investors, foreign and domestic. Right? Investors that are buying mortgage backed securities, they know that that paper is secure. If it defaults. We've got the United States government that's giving us a guarantee against default. So that's why it's such a secure investment. If we come out of conservatorship, technically, that would normally mean that you may not have that implicit guarantee. However, the Trump administration and those that are in that space, FHFA, Pulte and all those guys, they're saying that that guarantee should still apply if that happens, if that's how they release this, I don't see anything wrong if they do it without all of the volatility. You know, let's use the tariffs as an example. It was all over the place. It was there, and then it was gone. It was up, and then it was down. It was 30% then it was two right? It was it was just so much, and the markets really had a hard time with it. And as a result, I think a lot of people lost massive amounts of wealth in the stock market because of that. So I think that there is some real benefits to getting the Fannie, Freddie, the GSCs, government sponsored enterprises, out of conservatorship. I think it just opens up for more fair trade in the market. But they have to do it the right way, and as long as they keep that guarantee, that government guarantee, and then they take their time and apply the steps appropriately, I think it could be a good thing, ultimately, for the consumer. Now, if they don't, it could really have devastating impacts, and I think it could even raise interest interest rates higher. I know Trump and folks don't want that, so I think they're mindful of it. That's just kind of the take I get. But we'll see,   Keith Weinhold  36:42   yeah, because that's my preeminent thought with this. Shaylee, if Fannie and Freddie come out of conservatorship, and there's no government backstop on those loans, it seems like the banks are exposed to more risk, and consequently would have to compensate for that, potentially with a higher interest   Caeli Ridge  36:57   rate. You said it better than I did. Yes, I get too technical when I go down those rabbit holes. That's exactly right. I do not think that they will go down that that path without that implicit guarantee. I expect, if this thing comes to fruition, I expect that that guarantee will be there.   Keith Weinhold  37:13   Yeah, it does seem likely, with as much administration concern as there is about the housing market and the level of mortgage rates and all kinds of interest rates out there. Well, JAYLEE, this has been a great, wide ranging conversation all the way from strategy to what the administration is doing in interfacing with the mortgage market. If someone wants to learn more about you and your products, tell us what you offer, including your very popular all in one loan there at ridge.    Caeli Ridge  37:41   Ooh, thank you for teeing that up. Yeah, especially right now, when people have a lot of concern about interest rates right or wrong, the all in one is a very unique product that removes that fear. It's a way that investors, especially can take control of their equity, pay less in interest, and sometimes hundreds of 1000s of dollars less in interest, while maintaining equity and flexibility and liquidity. Cannot say enough about this product. The all in one. First lien HELOC is my very favorite. For the right individuals, we've talked about it many, many times. They can find us talking about it all over YouTube. You and I have quite a few conversations about that. So that and so much more, guys. So the all in one, you've got the Fannie Freddie's, our debt service ratio products, our bank statement loans, our asset depletion loans, ground up construction bridge loans for fix and flip or fix and hold. We really run the gamut there in terms of loan product diversity. There's very little we can't do for real estate investors. So we're uniquely qualified in that space   Keith Weinhold  38:36   and you offer loans in nearly all 50 states. Now tell us more and how one can get a hold of your company. Yes, we are   Caeli Ridge  38:44   licensed in 49 states. The only state we're not licensed in residentially is New York. We can still do commercial there. But to reach us, you can find us on the web, Ridge lendinggroup.com you can email us info@ridgelendinggroup.com and feel free to call us at 855, 74 Ridge 855-747-4343,   Keith Weinhold  39:04   I'm so familiar with all those avenues because, again, that's where I get my own loans myself. Chaley Ridge has been valuable as always. Thanks so much for coming back onto the show.    Caeli Ridge  39:13   Thanks, Keith.   Keith Weinhold  39:21   A lot of experts believe that stripping Fannie and Freddie's public backing and taking them public, yeah, that that will increase mortgage rates. See, besides there being more risk, like we touched on there during the interview, Fannie and Freddie would face strong incentives to increase profitability, to make an IPO appealing to potential investors, that's just another reason that would probably increase mortgage rates. But if you're the type that truly champions free marketeerism, then the government would get out of Fannie and Freddie and let them IPO, and you would want. To see that happen now you as an investor, you probably resonate with the fact that rather than having to methodically and even painfully save money for your next property, instead you can just borrow funds, tax free, out of your existing property, and that way, you're using more of other people's money, the bank's money, in this case, and less of your own. Similarly, if you avoid aggressive principal pay down well, you would just retain those funds in the first place. As you can see, Chely is really good at taking a deep look at what you've got to work with and helping you lay out a strategy that might make sense, keeping in mind and evaluating your cash, cash flow, equity DTI and loan to value ratios, they offer free 30 minute strategy sessions. You can book one right there on their homepage at Ridge lendinggroup.com Until next week, I'm your host. Keith Weinhold, don't quit. Sure. Daydream.   Speaker 2  41:07   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  41:31   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 pay walls and pop ups and push notifications and cookies disclaimers, it's not so great. So then it's vital to place nice, clean, free content into your hands that adds no hype value to your life. That's why this is the golden age of quality newsletters, and I write every word of ours myself. It's got a dash of humor, and it's to the point because even the word abbreviation is too long, my letter usually takes less than three minutes to read. And when you start the letter, you also get my one hour fast real estate video. Course, it's all completely free. It's called the Don't quit your Daydream. Letter, it wires your mind for wealth, and it couldn't be easier for you to get it right now. Just text gre 266, 866, while it's on your mind, take a moment to do it right now. Text, gre 266, 866   Keith Weinhold  42:47   The preceding program was brought to you by your home for wealth, building, get richeducation.com.

We're taking a little time off for the summer, and while we're gone, we're re-releasing some of our favorite episodes. This week, an episode about pinball. In 2023, we visited the Electromagnetic Pinball Museum and Restoration in Pawtucket. The place is still going strong, almost two years later. Tips and ideas? Email us at rinews@globe.com.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

From jumping out of planes to jumping into stories, this episode of The MisFitNation brings you a unique voice—Joseph Bolton, a former Army paratrooper and West Point graduate turned author and heritage storyteller. Joseph grew up in Pawtucket, Rhode Island, immersed in the fading echoes of French-Canadian culture. After a distinguished military career—including graduating from Ranger School and serving as a Space Operations Officer in Afghanistan—he returned to his roots through storytelling.

Episode 62 features a conversation with Brendan Hodge, a musician and devoted Max Creek fan whose musical journey was profoundly shaped by the band. Brendan shares memories of discovering Max Creek in the late 1990s, the inspiration he drew from their live performances and how the band influenced his path as a performer. Brendan also talks about his role as a percussionist in the band Little Lies. This episode features clips of the following songs performed live by Max Creek:Blood Red Roses performed at The Met in Pawtucket, Rhode Island, on February 3, 2018:https://archive.org/details/mc2018-02-03.TheMetCreekendNightTwoDSBD/07+Blood+Red+Roses.flacYou Let Me Down Again performed at The Living Room in Providence, Rhode Island, on May 1, 1999:https://archive.org/details/MC1999-05-01.LivingRoom28thAnniversaryFredBovinoCollection/02YouLetMeDownAgain.flacI Will Always See Your Face performed at Soundcheck Studios in Pembroke, Massachusetts, on June 4, 2022:https://archive.org/details/mc2022-06-04.nak300.CP2.flac24/07+I+Will+Always+See+Your+Face.flacIf you have feedback or suggestions for future episodes, send a message via the contact link on the Hooked on Creek website:https://hookedoncreek.comRead a transcript of this episode on the Hooked on Creek website:https://hookedoncreek.com/2025/07/episode-62-brendan-hodge-talks-about-max-creek/

Episode 561 - Joesph Bolton - Old Grandmother's Tree - Celebrating Cultures and History through FolktalesAbout the AuthorJoseph Bolton was born in Pawtucket, Rhode Island during the twilight of the golden age of French-Canadian culture in New England. Growing up emersed in his mother's French-Canadian family, Joseph enjoyed hearing the stories told by his grandparents and great aunts of a mysterious and magical place called Québec, otherwise known as “the place we came from.”After high school, Joseph's adventurous nature led him to enlist in the U.S. Army and he served in the Army's airborne forces as a paratrooper jumping out of perfectly good airplanes, much to the worry of his mother.Since he retired from the Army, Joseph has worked in various project manager roles as a civilian contractor for the U.S. Air Force. While writing Old Grandmother's Tree, Joseph took a sabbatical from the U.S. Air Force and taught mathematics to young students for a semester at Holy Family Academy in Gardner Massachusetts.Bolton is of French-Canadian, Native American, Spanish, English, and Irish descent, and is profoundly inspired by the stories of his heritage. He lives with his wife in Massachusetts, and, in his free time, enjoys hiking and skiing through Québec and New England landscapes. His favorite places to go for outdoor adventure are the Berkshire Mountains of Massachusetts and Mont-Orford in Québec. When he is not writing, hiking, or skiing, Joseph enjoys reading about science, history, philosophy, mathematics, and worldwide mythologies. Old Grandmother's Tree is his first book.Meet the IllustratorAbout Natasha Pelley-SmithNatasha Pelley-Smith, born in Toronto, is a seasoned professional artist who graduated from the prestigious Écohlcité fine arts academy in France, in 2017—now integrated into Émile Chol of Lyon. Equipped with a diverse skill set that spans from crafting murals of all sizes to illustrating books and creating canvas paintings in oils, acrylics, and mixed media, Natasha's professional journey is a continual creative adventure.Her artistic focal point revolves around expressive portraiture, wherein she delves into the realms of self-identity exploration and cultural influences. Natasha is known to embody her Native American, Jamaican, and Newfoundland roots, as well as other cultural threads from her life. Her work serves as an invitation for others to embrace their multifaceted layers, both culturally and emotionally, promoting messages of unity and self-love.Natasha's private clientele is also noteworthy, where her artwork has garnered recognition, including four fully illustrated published books, leading to her collaboration with U.S. author Joseph Bolton on her most extensive project to date. This book intricately dives into French-Canadian folklore, character self-growth, and prominently explores Joseph's heritage and Native American roots from the Algonquin tribes while also embracing the unified connection to Natasha's roots from the Ojibwe and Cree tribes, featured subtly throughout the book. https://oldgrandmotherstree.com/https://welcome.natashapsartwork.ca/Support the show___https://livingthenextchapter.com/podcast produced by: https://truemediasolutions.ca/Coffee Refills are always appreciated, refill Dave's cup here, and thanks!https://buymeacoffee.com/truemediaca

PAWTUCKET, RI - A turning point weekend for Major League Rugby put the 2025 season to rest with a great event, centered around a thrilling final between New England and Houston, and MLR Weekly was there to capture it all. Also in this episode, the W.E.R. Legacy Cup & USA Rugby vs Belgium.

After memorable MLR championship festivities in Rhode Island, the Fantasy Ruckers boys reflect on a weekend that crowned the New England Free Jacks 2025 Major League Rugby Champions! Ryan and Matt discuss the final in Pawtucket, what players stood out to them and tease what is to come this offseason. Check out 'The Fantasy Ruckers Show on the "Rhode"' and relive the sights & sounds from the weekend starting at fan fest to the post-match celebration!Like, subscribe and comment to be entered in a chance to win one of the last remaining limited TFRxARR MLR 2025 championship t-shirts!Get your first taste of fantasy MLR by playing in the Fantasy Ruckers Weekly Challenge! Sign up on our website to participate: Create an accountCheck out our website to stay up to date with the latest fantasy MLR stats, top players and league updates: www.thefantasyruckers.com

The Fantasy Ruckers team up with American Rugby Rising to kickoff the 2025 Major League Rugby Festivities! Ryan and Matt along with ARR's Bill Baker are LIVE at the MLR Fan Fest in Pawtucket to breakdown everything about the championship weekend. Special guests Forbes Sports Writer Vitas Carosella, MLR Director of Rugby Brandon Sparks and Rugby Commentator Dallen Stanford join the special MLR championship show to talk about the season that was, the future of MLR and give their championship predictions!Check out our website to stay up to date with the latest fantasy MLR stats, top players and league updates: www.thefantasyruckers.com

Send us a text                               Welcome to the GP Soccer Podcast!Host Giovanni Pacini welcomes his worldwide audience to yet another great show. Giovanni opens the show regarding his attending at the Project Goal Gala held at Centreville Bank Stadium, home of Rhode Island FC in Pawtucket RI.This week's "Conversation with the Coach" is with Brett Johnson, the driving force behind Rhode Island FC and the Tidewater Landing project in Pawtucket, RI, "Coaches Corner" features Paul Robinson where he talks about the importance of the half time talk, "News and Analysis" is with Giovanni Pacini, and in the Euro Soccer Report, host Ralph Ferrigno discusses international football returns in Europe. In the final block, the "American Soccer Revolution" features host Giovanni Pacini sharing an article from NPR about the pay to play system in soccer.The GP Soccer Podcast features new shows every Wednesday and can be found anywhere you listen to your podcasts. Listeners are encouraged to "Like" the GP Soccer Podcast and share the show amongst those within their social media network! Those interested in advertising on the show can contact host Giovanni Pacini at gp4soccer@yahoo.com. And be sure to check out the show website at www.gpsoccerpodcast.com. GP Soccer Podcast proudly announces its new affiliation with the Sports History Network (sportshistorynetwork.com) and welcomes its new sponsors- Beautiful Game Soccer Academy (beautifulgamesa.com) and Ethos Performance Group (ethosperformancegroup.com)!Enjoy the show!

The road to Rhode Island begins...the 2025 Major League Rugby playoffs are here and The Fantasy Ruckers are here to get you ready! On this week's episode of The Fantasy Ruckers Show, Ryan and Matt reflect on the 2025 regular season following Round 17's matches, make their predictions for the playoffs plus who they think will raise the MLR shield this year. They also discuss the latest news and notes from around the league and make an exciting announcement ahead of the MLR championship match set for Pawtucket.Get your first taste of fantasy MLR by playing in the Fantasy Ruckers Weekly Challenge! Sign up on our website to participate: Create an accountCheck out our website to stay up to date with the latest fantasy MLR stats, top players and league updates: www.thefantasyruckers.com

Kevin Boles, Montgomery Biscuits Manager has a 25 year career in baseballFirst game as manager with 2 special players; Adrian Gonzalez & Miguel CabreraJohn Boles, Kevin's dad a great mentor Boston Red Sox in Pawtucket the “31st major league team” a great place to see the future of players working up to the major league teamHow to balance Player Development while Developing Winners todayAdvice to players “Don't Be a Front Runner in Your Own Career”Look at failures as an opportunity to learnPlayers Need to develop a thick skin & give themselves some credit for coming out of failuresDouble-A as a separator, see some older arms along with younger arms. Time to move players up through minor has been reducedIf you can get into a AAA clubhouse you got a chanceLooking for intelligent, consistent & reliable player like Homer Bush Jr.Mat notes significant trades that have impacted the Montgomery Biscuits & Rays pipeline - Jackson Baumeister, Ty Cummings, Jacob Waters, Will Simpson, Mathew Etzel, Brody HopkinsAdjustment period for a player when settling in with a new teamDuncan Davitt commands the zone & utilizes a good mix of pitches & tempoCooper Kinney can flat out hit Brayden Taylor is tough, while struggling at the plate right now he is working ,on adjustmentsKevin would rather see a player struggle in the minors & adjust before they make it to the majorsPaul Rozzelle & the hitting department are doing great things with the playersHow has draft decisions for increase of hitters impacted the organizationHopkins has a chance to be really somethingYoniel Curet has versatility & has a power armStickier balls?Automated Zones – would improve accuracy of umpire calls. It is hard for umpires to judge 90+ speed pitchesHow will the Automated Zone impact the role of the catcherVeteran pitchers may get a better call than a younger pitcher without Automated Zone People don't realize how tough the umpires have behind the plateEjections – Kevin is good for 5 a year. Ump asks “don't you want to get animated”Kevin's career goal is about the players “Create the next Chandler Simpson” Top players that Kevin seen rise through the system – Miguel Cabrera, Xander Bogaerts, Mookie Betts and any players who come up through the minors who excel in the gameRaysUp Rays return home to George Steinbrenner Field and increase their winsRays Outfielders, Misner, Aranda, and Simpson formerly with the Montgomery BiscuitsSteinbrenner Weather metricSwirling Winds, Day Games & Sun Rays disorienting players fielding fly ballsGusts of wind 40+ MPH impacting outs caughtLack of 2nd Tier at Steinbrenner increases windShould their be a new Statcast metric on the weatherRays climb up in the standings to #2 in the AL EastFoul territory expand more ground outside of the foul lines for safety Roster Crunch IncomingHa-Seong Kim rehabbing and soon returningJake Mangum and Johnny DeLuca waiting in AAAWho gets sent down? Walls? Mead? With so much movement between the majors and AAA, Rays prospects in Montgomery have all the motivation they need. It's a dog-eat-dog path to the topJust a reminder, if you enjoyed this show, go ahead like and subscribe to BaseballBiz On Deck. Also you can find Mat at M-A-T-G-E-R-M-A-I-N dot B Sky social. That's Mat at M-A-T-G-E-R-M-A-I-N dot B, Sky social or Mark at  Baseball Biz on Deck dot B Sky Social. You may also find Baseball Biz on Deck, at iHeart Apple, Spotify, Amazon Music, and at baseball biz on deck dot comSpecial Thanks to XTaKe-R-U-X for the music Rocking Forward,

Mini-podcast about an event on this day in working class history.Our work is only possible because of support from you, our listeners on patreon. If you appreciate our work, please join us and access exclusive content and benefits at patreon.com/workingclasshistory.See all of our anniversaries each day, alongside sources and maps on the On This Day section of our Stories app: stories.workingclasshistory.com/date/todayBrowse all Stories by Date here on the Date index: https://stories.workingclasshistory.com/dateCheck out our Map of historical Stories: https://map.workingclasshistory.comCheck out books, posters, clothing and more in our online store, here: https://shop.workingclasshistory.comIf you enjoy this podcast, make sure to check out our flagship longform podcast, Working Class History.  AcknowledgementsWritten and edited by Working Class History.Theme music by Ricardo Araya. Check out his YouTube channel at youtube.com/@peptoattackBecome a supporter of this podcast: https://www.spreaker.com/podcast/on-this-day-in-working-class-history--6070772/support.

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Pawtucket got a recent lift when the city's newish soccer team, Rhode Island FC, played to a sold-out crowd during the home opener at the new stadium there. There are plans for new housing to be built near the Centerville Bank Stadium and boosters of the stadium hope it will catalyze more growth. But Pawtucket has also wrestled with challenges in recent years, including the loss of the PawSox and the closing of Memorial Hospital. Meanwhile, the Trump administration is causing uncertainty for the state budget outlook as lawmakers approach the end of the legislative session. And the state Senate is working to make up for lost time after a recent change in leadership. Big issues hang in the balance, including a proposed ban on new sales of assault style weapons and a potential tax hike on Rhode Island's richest one percent. So how's the outlook amid uncertainty in DC? And does the new soccer stadium signal brighter days for Pawtucket? This week on Political Roundtable, I'm going in depth with Pawtucket state Senator Meghan Kallman.

This week on A Lively Experiment, what we can expect from the first American picked as Pope. Plus, cheers as pro soccer finally arrives in Pawtucket, but what are the odds of financial success? And is Rhode Island ready for the Real Housewives? Moderator Jim Hummel talks with former RI Attorney General Arlene Violet, Dan McGowan of the Boston Globe, and Rhode Island KIDS COUNT's Paige Parks.

DJ and former longtime radio host Mike DaSilva joins the show for the local legends edition to discuss all things Rhode Island FC and a special inaugural home opener at Centreville Stadium in our city Pawtucket, Rhode Island!

5/7/25

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Send us a textWith the recent announcement that the Major League Rugby championship game will be played at Pawtucket's Tidewater Stadium and expanding youth participation in rugby, Bill Bartholomew speaks with Jeff Cares, Executive Director of Rugby Rhode Island Support the show

april 18, 2025

Episode 60 features a conversation with Graham Gibbs, a lifelong Max Creek fan and guitarist whose connection to the band runs deep. Graham shares heartfelt stories about growing up with a Creek-loving dad, learning guitar by studying Scott Murawski and the personal impact the band's music has had on his life. Graham also talks about his experiences performing on stage with Max Creek.This episode features the following songs performed live by Max Creek:Devil's Heart performed at Lupo's Heartbreak Hotel in Providence, Rhode Island, on May 17, 2000:https://archive.org/details/mc2000-05-17.sbd.fryinbri.flac16/mc2000-05-17d1t03.flacYellow Moon performed at The Living Room in Providence, Rhode Island, on September 19, 2001:https://archive.org/details/mc2001-09-19.shnf/mc2001-09-19d3t01.shnYes We Can Can performed with Graham Gibbs at The Met in Pawtucket, Rhode Island, on January 21, 2017:https://archive.org/details/MC2017-01-21.MaxCreekTheMetPawtucketRIwithSpecialGuestGrahamGibbs/17YesWeCanCan.flacDance performed at The Met in Pawtucket, Rhode Island, on January 25, 2019:https://archive.org/details/MC2019-01-25._KM140/MC_20190125_KM140-SBD-S01-05.flacThis episode also features a clip of the band Candle Opera performing a cover of Frank Zappa's song Cosmik Debris live at Bishop's Lounge in Northampton, Massachusetts, on March 29, 2025. Learn more about Candel Opera on Instagram at:https://www.instagram.com/candle_opera_music/Read a transcript of this episode on the Hooked on Creek website:https://hookedoncreek.com/2025/04/episode-60-graham-gibbs-discusses-max-creek/If you have feedback or suggestions for future episodes, send a message via the Hooked on Creek website:https://hookedoncreek.com/contact/

This week, We get an update on a monster running amok: and da people have spoken as we read some of their delightful comments and dig into the menu at the monster's upcoming show, the ticket price, and what you're actually paying for.Then Brian creates a D&D character with our friends Trevor Dion and Mark-Anthony Lewis to prepare for his appearance on their show "Lets Not Die." April 17th at the Industry Cafe in Pawtucket, RI.  Go to TheBriansWorld.com for all links and to subscribe to our Patreon! #BriansWorld #BrianBeaudoin #FrankGazerro #CoryGee #StandupComedy #Dungeons&Dragons #D&D #LetsNotDie

McCoy Stadium, home to the precious memories of many southern New Englanders is coming down. Locals are mourning the demolition of the Pawtucket icon.

This week, we talk about our Patreon March Madness brackets, the prizes and even local comedy club owner Korean Dave shares some of his picks. We read some messages from listeners. We talk about the work that goes into being a professional comic and some of the shenanigans in the comedy community. Brian and Cory make fun of Frank for his stack of back-pocket-papers and then Andrew Dice Frank tells some jokes. Then Brian and Cory break down the philosophy behind their comedy show at the Industrial in Pawtucket, RI. Go to TheBriansWorld.com for all links and to subscribe to our Patreon! #BriansWorld #BrianBeaudoin #FrankGazerro #CoryGee #StandupComedy #MarchMadness #ComedyShows #Shenanigans

In episode 59 of Hooked on Creek, Korre Johnson explores the enduring legacy of Max Creek and unpacks why the band has remained together for over five decades. Korre discusses the deep sense of community that surrounds the band, the improvisational spirit that keeps their music fresh and the genuine love for making music together that fuels their longevity.This episode features the following songs performed live by Max Creek: Road of Dreams performed at The Old Well Tavern in Simsbury, Connecticut, on March 31, 2012:https://archive.org/details/mc2012-03-31.flac16/mc2012-03-31s1t01.flacDiamonds on the Soles of Her Shoes performed at The Met in Pawtucket, Rhode Island, on January 25, 2025:https://archive.org/details/mc2025-01-25/07+Diamonds+on+the+Soles+of+Her+Shoes.wavIf you have feedback or suggestions for future episodes, send a message via the contact link on the Hooked on Creek website:https://hookedoncreek.comRead a transcript of this episode on the Hooked on Creek website:https://hookedoncreek.com/2025/03/episode-59-why-max-creek-has-stood-the-test-of-time/

On this episode, Michelle San Miguel interviews Pawtucket Mayor Donald Grebien about his city's future as many of its schools are failing, an iconic business is considering leaving and people are worried about how President Trump's new policies will affect them. Then, Pamela Watts interviews a local professor who discovered a long-lost fugitive slave's article, which had been written years before the Civil War. Finally, we take another look at our story on Growing up Hmong. The Hmong people are an ethnic group that originated in China, with a diaspora reaching across the globe. Their journey to the U.S. began after one of the longest and most divisive wars in American History – the Vietnam War -- came to an end. Producer Isabella Jibilian interviewed a Hmong family here in the Ocean State about their history and journey to America. This is part of our continuing My Take series.

In this episode, Jonathan Lucero McKinney, a physician assistant at Care New England Medical Group's Internal Medicine Center in Pawtucket, Rhode Island and co-host of the Outloud YouTube channel, joins Dr. Philip Chan to discuss the Rhode Island Department of Health's PrEP Champions Network.  The network helps connect people with PrEP - a medication that can help prevent the spread of HIV. Download and listen to find out how anyone in the state can find a participating PrEP Champions Network clinic near them to access this medication, as well as trusted, stigma-free, sexual healthcare. 

January 6th, 1988 in Pawtucket, Rhode Island began like so many others for the Cole family. It was yet another frigid day but Christine, who had just turned 10, was excited to help by running some errands for her mom. Christine had clear directions on where to go and what to get. But, as dinnertime came and went without Christine returning from her errands, her mother knew something was wrong. And, weeks later, her worst fears were realized.If you are interested in bonus content for our show or in getting some Coffee and Cases swag, please consider joining Patreon. There are various levels to fit your needs, all of which can be found here: https://www.patreon.com/coffeeandcases

We bring a few first-timers to the infamous “Undisclosed Location” for this week's episode. We have a couple of brief call-ins ahead of Hackapalooza. Pat McGroin give us a run down of his adventure to the White Ash event with Mike the Cop from Rocky Patel Cigars. The Hidden Herf is easy to determine by … Continue reading "Episode 376: Back at the Undisclosed Location – Local Spotlight: White Ash Cigar Lounge; Pawtucket, RI"

January 6th, 1988 in Pawtucket, Rhode Island began like so many others for the Cole family. It was yet another frigid day but Christine, who had just turned 10, was excited to help by running some errands for her mom. Christine had clear directions on where to go and what to get. But, as dinnertime came and went without Christine returning from her errands, her mother knew something was wrong. And, weeks later, her worst fears were realized.If you are interested in bonus content for our show or in getting some Coffee and Cases swag, please consider joining Patreon. There are various levels to fit your needs, all of which can be found here: https://www.patreon.com/coffeeandcases

For most of us, the days of keeping a stash of folded-up maps in the car glovebox are behind us. So in a world of smartphones and GPS, why go to a store that specializes in maps? That's the question that Andrew Middleton is trying to answer at the Map Center in Pawtucket.

Rhode Island FC in-game host and Pawtucket native Josh "Flanny" Flanagan joins the pod to reminisce about the 2024 season and how he joined the organization.

In this episode, Eileen and her husband, Jimmy discuss the challenges of maintaining sobriety during the holiday season. They share personal experiences and insights on navigating social situations, the importance of community support, and finding new activities to replace old habits. The conversation emphasizes the significance of self-care, personal growth, and creating a supportive environment for sobriety. Upcoming Events 2nd Annual Vision Board Event Saturday, January 11th from 6:00-9:00pm in Tales Of Sonder Studio - 560 Mineral Spring Ave. Pawtucket, Rhode Island. Tickets are limited! Join this empowering and creative experience designed to help you manifest your soul's purpose and bring clarity to your goals for the year ahead! LOTS of good food and refreshments! $111 per person Venmo @Edec333 to reserve your spot! When purchasing ticket via venmo please comment "Vision" . For more info or alternate ways to purchase your ticket Dm Eileen Here. Sound Bath & Intuitive Healing Certification Course: Level 1 & Level 2 ⁠⁠Level 1⁠⁠: January 25th & 26th from 9:00am to 3:00pm each day - location TBD Level 2: February 1st & 2nd from 9:00am to 3:00pm each day - location TBD Don't miss out on this transformative opportunity to learn how sound can heal, restore, and help you tap into your limitless potential. Limited spots, sign up today! Self Love & Alignment Retreat Dm for more info Join us for a two-night getaway to help self align, reconnect, and rejuvenate your soul. We're keeping the group intimate to ensure personal attention and a truly transformative experience. Spaces are limited, we would love for you to join us! Want to book a private event? Email me at theboujeehippie33@gmail.com Takeaways: Sobriety can be particularly challenging during the holiday season. Community support is crucial for those in recovery. Finding new activities can help replace old drinking habits. It's important to get uncomfortable to grow in sobriety. Having an exit plan can help manage social situations. Self-care is essential for maintaining sobriety. Setting intentions can empower individuals in their recovery journey. It's okay to feel uncomfortable during the transition to sobriety. Creating a supportive environment can aid in recovery. Personal growth is a continuous journey in sobriety.

In this episode of Be Boujee, Be Hippie, Eileen Decelle discusses the importance of connection, healing relationships, and personal growth. She emphasizes the power of intention, the need for acceptance in relationships, and the significance of finding soul connections. Eileen encourages listeners to embrace radical acceptance and to nurture healthy relationships while letting go of those that no longer serve them. The episode is filled with insights on how to navigate emotional challenges and cultivate a fulfilling life. You are Loved, You are Supported. You are So Worth it. Upcoming Events! ⁠Vision Board Event 1/11 ⁠ Saturday, January 11th from 6:00-9:00pm in Tales Of Sonder Studio - 560 Mineral Spring Ave. Pawtucket, Rhode Island. Tickets are limited! Join this empowering and creative experience designed to help you manifest your soul's purpose and bring clarity to your goals for the year ahead! Sound Bath & Intuitive Healing Certification Course: Level 1 & Level 2 ⁠Level 1⁠: January 25th & 26th from 9:00am to 3:00pm each day - location TBD Level 2: February 1st & 2nd from 9:00am to 3:00pm each day - location TBD Don't miss out on this transformative opportunity to learn how sound can heal, restore, and help you tap into your limitless potential. Limited spots, sign up today! Self Love & Alignment Retreat 2/14-2/16 February 14th-16th in the charming town of Mystic, Connecticut! Join us for a two-night getaway to help self align, reconnect, and rejuvenate your soul. We're keeping the group intimate to ensure personal attention and a truly transformative experience. Spaces are limited, we would love for you to join us! Want to book a private event? Email me at theboujeehippie33@gmail.com Takeaways: It's important to connect and share experiences with others. Healing relationships requires introspection and self-examination. Expectations can hinder relationships; acceptance is key. Finding soul connections can provide healing and support. Radical acceptance can lead to personal growth and peace. Nurturing existing relationships can fill emotional voids. Letting go of toxic relationships is essential for well-being. You have the power to create your own experiences. Emotional healing is a journey that takes time and effort. You are supported by the universe in your healing journey. On this podcast we focus on You, Your goals, Your intuition, Your healing, self-worth, and Your purpose. I want to help You tap into the most abundant, joyful, healed and fulfilled version of You. We'll touch on topics such as energy practices, holistic health, trauma, sobriety, parenting, relationships, manifesting, tapping into Your intuition and so much more! No more playing it small. NOW is Your time to step into the most abundant soul quenched version of You. Love Yourself. Love Others. Be Boujee. Be Hippie. 

Rhode Island's two-member U.S. House delegation has turned over in the last few years. In the Second District, Congressman Jim Langevin dropped a surprise announcement in 2022 that he would not seek re-election after 22 years in office. Then First District Congressman David Cicilline, initially elected in 2010, made his unexpected departure last year. That latter move opened the door for Gabe Amo, a son of West African immigrants, to become the first person of color to represent Rhode Island in Congress. Along the way, the moderate pro-business candidate beat 10 primary rivals. But Amo now faces being part of the minority party in Washington as Democrats adjust to the new reality of Donald Trump's second term in the White House. What does this Pawtucket native think his party needs to do differently to find its way back? How does Amo expect the Trump administration to affect the federal government? And what level of responsibility does he assign Democrats for the party's struggles?

In this episode, I want to share my intimate journey with intuitive eating. We'll discuss the concept of intuitive eating, emphasizing the importance of self-love, honoring hunger, and rejecting diet mentality. I know my personal experiences with food & the emotional connections foods have to different parts of who I am will absolutely be relatable and I hope helpful . So! What better a day to talk about food, mindful eating and Self Love then the day after thanksgiving . After listening to this episode, I hope you have a deeper appreciation for your body , you're able to reconnect or discover parts of you that find satisfaction in food, and recognize the energy associated with what and why you want to eat something. This is a message of self-worth and the joy of nourishing yourself physically and energetically with food . You are Loved, You are Supported and You are SO Worth it. Events Sat Nov. 30th 9-5pm Moonstone Market: Come hang & enjoy all female vendors ! I will be there giving Oracle and Psychic Healing readings! 680 Moonstone Beach Rd. Wakefield, RI Thursday Dec. 5th Ladies Night Holiday Stroll ! Downtown Wakefield. RI 5-9pm Stop by Spa Mosaic for a Boujee Hippie Psychic or Oracle Reading ! Bobbles & Lace - Relax and Shop! A Sound Bath experience followed and exclusive discounted prices on your Bobbles & Lace purchases. Providence Location 5-6:30 - grab those last minute holiday gifts and don't forget to get yourself something to wear! Friday Dec. 13th 7-9pm Manifest: An In Person Event to Accelerate your Manifestations! 560 Mineral Spring Ave, Pawtucket, RI ⁠grab your ticket here ⁠! Sound Bath & Intuitive Healing Courses level 1 & 2 level one : Sat. Jan 25 & Sun. Jan 26th two day event 9am-3pm .. Level Two : Sat Feb 1st & Sunday Feb 2nd 9am-3pm ! Dm ⁠@Eileen.Decelle ⁠for more info ! Want to Book a private Event? Email me @TheBoujeeHippie33@gmail.com

I had a really cool conversation with my main Guide - "EHL" This is the first time I am sharing specifics of what he had me write down, while I was in a meditative state! And its all about how to begin manifesting. If you are enjoying episode's of Be Boujee. Be Hippie, please leave a positive review and a 5 star rating! I am on a mission to spread the word on Self Love, Living a life You love and tapping into your intuition! Events Sat Nov. 30th 9-5pm Moonstone Market: Come hang & enjoy all female vendors ! I will be there giving Oracle and Psychic Healing readings! 680 Moonstone Beach Rd. Wakefield, RI Thursday Dec. 5th Ladies Night Holiday Stroll ! Downtown Wakefield. RI 5-9pm Stop by Spa Mosaic for a Boujee Hippie Psychic or Oracle Reading ! Bobbles & Lace - Relax and Shop! A Sound Bath experience followed and exclusive discounted prices on your Bobbles & Lace purchases. Providence Location 5-6:30 - grab those last minute holiday gifts and don't forget to get yourself something to wear! Friday Dec. 13th 7-9pm Manifest: An In Person Event to Accelerate your Manifestations! 560 Mineral Spring Ave, Pawtucket, RI grab your ticket here ! Sound Bath & Intuitive Healing Courses level 1 & 2 level one : Sat. Jan 25 & Sun. Jan 26th two day event 9am-3pm .. Level Two : Sat Feb 1st & Sunday Feb 2nd 9am-3pm ! Dm @Eileen.Decelle for more info ! Want to Book a private Event? Email me @TheBoujeeHippie33@gmail.com

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Can you imagine transforming an unused riverfront site into the sports and entertainment capital of Southern New England? Brett Johnson, the visionary owner of Rhode Island FC and Ipswich Town, shares his ambitious plans to do just that in Pawtucket, Rhode Island. Join us as Brett reveals the collaborative efforts with local government and the significant investments being made to turn this prime location into a bustling hub with a state-of-the-art stadium, housing, retail, and hospitality. This conversation promises insights into creating a world-class stadium experience that will host a variety of sports and collegiate events, much like the celebrated BMO Stadium in Los Angeles.Brett also opens up about steering Ipswich Town Football Club from League One to the Premier League, emphasizing the strategic decisions that fueled their success. Discover how the recruitment of Mark Ashton as CEO and Kieran McKenna from Manchester United has been instrumental in achieving back-to-back promotions. We touch on the electrifying nature of English football, with its passionate fan base and the thrill of promotion and relegation. Plus, the episode delves into the trend of multi-club ownership and the growing American interest in the sport, highlighting the profound economic and cultural impacts this brings. Brett's insights provide a fascinating glimpse into the evolving world of sports ownership and management.

While everyone is focusing on the elections, we thought we should look at something far more important: The Labor Movement. Because when there is a historically hostile presidency to labor, the only thing that will advance the cause of the working class is a strong labor movement. I want to take a look at the history of Anticommunism within the US Labor movement from both inside and outside factors with the knowledge this anticommunism often left the United States' borders and had deep rooted effects that are still present in Labor today.Slater Mill, located on the Blackstone River, still stands in Pawtucket, Rhode Island. This Mill is famous for being the 1793 birthplace of the Industrial Revolution in the United States. I've seen this building countless times and my thoughts on it run the gamut. Mills like Slater, ushered in so much progress but also so much pain. In the struggles of that huge contradiction, workers and their families came together to fight for better lives and were torn apart by the propagandist lies and deceptions, sometimes coming from within, to keep only a handful of mostly white men in power.John Francis Bray, the American labor activist who also spent time in England as a Chairtist, he said“If the word had been in use with us a few years since, then every anti-slavery man would have been denounced as a Communist.”* (Footnote: Gutman, “Tompkins Square ‘Riot'”)As Bray implied, sometimes anticommunism isn't a direct attack on those who push for or call themselves communists. It houses any anti-labor activity and the attacks on the ideologies under the Socialist umbrella including socialism, anarchism and of course communism.Many people believe capitalism doesn't work, however, it works well for the very few,k mainly the top one percent of the population. The system is designed to work in a class system divided into  the “haves and have-nots”, and though there have been reforms put in place to create a middle class, these reforms protected the ones who already accumulated a majority of the wealth and created an even larger inequality between the rich and poor.Capitalism is the perfect system for the white supremacists that require a class system to gain power by funneling the wealth off what the workers, who they exploit, make. Whereas, socialism is a system that puts the workers, the major majority of the population, in power giving them control of means of production that they create themselves. This does not serve those in power and they will do anything to keep themselves in power and continue to profit from the fruits of the workers' labor. In order to do this, they deploy tactics that including intimidation, manipulation, deception, outright lies, and even murder. They claim it is actually the “insert name of group that is going against the capitalist here” doing these things to them.The slave owning colonists figured out that they needed to pit the enslaved, poor whites, and the indigenous people against one another so those groups wouldn't turn on them. They offered concessions to the poor whites and put them in positions of “middle management” like being the overseer of enslaved people in a field or offering awards for them to act as a police force that would be used to hunt down escaped slaves which were considered property for the slave owner of course. This was the base and still very much the mindset of our current police force.In these series of episodes and articles, we will look at the red scare and all the tactics used by them.Please read the accompanying This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit www.historicly.net/subscribe

In this episode, Chris interviews Curt. Why? Because Curt and Tina are now escape room owners. The episode covers Curt's transition from a camp director to an escape room enthusiast and owner, his experiences and challenges with owning Lock and Clue Escape Rooms in Pawtucket, Rhode Island, and insights from traveling and playing numerous escape rooms. Curt discusses the importance of set design, customer service, and his future plans for new themes and improving the current rooms. The episode also touches on the upcoming rebranding to Mystery Soup Escape Rooms.

Last week, the Rhode Island chapter of the American Federation of Teachers elected Maribeth Calabro as their new president. She now heads the largest teachers union in the state. It represents 12,000 members in districts such as Providence, Cranston, Warwick and Pawtucket. Steph Machado spoke with Calabro for an episode for RI PBS Weekly. This is an extended version of their conversation. Tips and ideas? Email us at rinews@globe.com.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

In this episode, we're diving into the haunted history of Rhode Island, a state known for its picturesque coastline and quaint towns, but also hiding a darker, ghostly side. From haunted mansions with tragic histories to eerie cemeteries that have inspired vampire legends, Rhode Island may be small, but it's brimming with spine-chilling tales of the supernatural. We'll be exploring some of the most haunted locations across the Ocean State, each steeped in mystery, tragedy, and paranormal lore. Prepare to encounter some of the most famous ghosts and restless spirits who still roam the historic streets, cemeteries, and homes of Rhode Island. Featured Locations: The Conjuring House 1677 Round Top Road, Harrisville, RI 02830 The infamous Conjuring House is one of the most well-known haunted houses in the U.S., drawing paranormal investigators and fans of the horror genre from around the world. In addition to Bathsheba's malevolent presence, visitors have also reported hearing the eerie laughter of children and seeing shadow figures lurking in the corners of rooms. It remains open for tours and overnight stays, offering a glimpse into its terrifying past. The Breakers Mansion 44 Ochre Point Ave, Newport, RI 02840 While Alice Vanderbilt's ghost has been seen wandering the grand rooms, guests and staff have also experienced the sensation of being watched, particularly near the mansion's grand ballroom. Phantom music, soft whispers, and cold drafts often accompany these encounters, adding to the mansion's haunted allure. The Breakers is open for tours, giving visitors a peek into its Gilded Age splendor—and possibly a brush with the supernatural. Chestnut Hill Cemetery 10 Ten Rod Rd, Exeter, RI 02822 Mercy Brown's tragic story as the "last American vampire" has left a lasting mark on Chestnut Hill Cemetery. Visitors continue to flock to her grave, where they report mysterious shadows and inexplicable temperature drops. Some have even claimed to feel a cold hand brush against their arm as they approach her resting place. This cemetery remains open to the public, drawing curious visitors intrigued by Rhode Island's vampiric past. Slater Mill 67 Roosevelt Ave, Pawtucket, RI 02860 Slater Mill's history of child labor and tragic deaths has led to numerous paranormal sightings. Visitors report hearing the sound of machines turning on by themselves and disembodied voices calling for help. The spirit of a young boy, often seen darting between the old machinery, has become one of the mill's most frequently spotted ghosts. Slater Mill operates as a museum today, where guests can experience its haunted history on both historical and ghost tours. The Graduate Providence (Formerly the Biltmore Hotel) 11 Dorrance St, Providence, RI 02903 The Graduate Providence's dark history is filled with eerie tales, from reports of elevators moving on their own to guests hearing phantom music and footsteps late at night. The ballroom is often filled with the faint sound of old-time music, as if a grand party from the 1920s is still taking place. The hotel remains a luxury destination in the heart of Providence, but its haunted reputation continues to draw those looking for both comfort and a scare. Seaview Terrace 595 Bellevue Ave, Newport, RI 02840 The haunting beauty of Seaview Terrace, also known as Carey Mansion, has been the setting for numerous paranormal sightings. The spirit of Julia Bradley is said to roam the halls, and many report hearing the ghostly strains of an organ playing late at night. Though closed to the public, Seaview Terrace remains one of Newport's most iconic haunted landmarks, known for its eerie atmosphere and chilling history. The Charles Looff Carousel 700 Bullocks Point Ave, Riverside, RI 02915 Beneath the charming exterior of the Charles Looff Carousel lies a haunted past. Many visitors have reported seeing ghostly figures lingering near the ride at night, hearing the sound of carousel music playing when the attraction is shut down. The eerie presence of a woman in a hoop skirt, who is believed to have died in a fire, adds to the haunting allure of this still-operating carousel. Providence City Hall 25 Dorrance St, Providence, RI 02903 Mayor Thomas Doyle's spirit is said to linger at Providence City Hall, where staff have reported seeing his shadowy figure riding the elevator and hearing his footsteps echoing through the halls. The smell of his signature cigar smoke often accompanies these encounters, particularly in the mayor's office. City Hall remains open to the public, with both government workers and visitors intrigued by its ghostly reputation. Colt State Park 114 Hope St, Bristol, RI 02809 Colt State Park's serene beauty hides a darker history tied to its former days as a private estate. Visitors frequently report seeing shadowy figures near the site of the old stables and hearing the faint sound of galloping horses along the trails. Sudden cold spots and the sensation of being watched are common experiences for those who venture near the park's historical sites. Nathanael Greene Homestead 50 Taft St, Coventry, RI 02816 General Nathanael Greene's spirit is said to still wander his homestead, where visitors report hearing phantom footsteps and doors slamming shut on their own. The eerie sensation of being watched is strongest in the upstairs bedrooms, where Greene's presence is said to linger. The homestead is open to the public as a museum, offering tours that delve into the life of this Revolutionary War hero—and perhaps a brush with the paranormal. Like Our Facebook page for more Halloween fun: www.Facebook.com/TheHalloweenPodcast ORDER PODCAST MERCH! Website: www.TheHalloweenPodcast.com Email: TheHalloweenPodcast@gmail.com X: @TheHalloweenPod Support the Show: www.patreon.com/TheHalloweenPod Get bonus Halloween content and more! Just for Patreon supporters! Check out my other show! Find it on iTunes - Amazing Advertising http://amazingadvertising.podomatic.com/ Keywords and Tags: Haunted Rhode Island, Ghosts of the Ocean State, Haunted America, Paranormal, Haunted Locations, Rhode Island Ghost Stories, Halloween Podcast, Haunted History

In this episode of “Healthy Mind, Healthy Life,” host Avik Chakraborty sits down with renowned small business marketing expert Andy Audate. Andy shares his inspiring journey from humble beginnings in Pawtucket, Rhode Island, to becoming a seven-figure business owner by the age of 22. The conversation delves into the power of public speaking and how entrepreneurs and small business owners can leverage the stage to generate leads and revenue. Andy's insights and experiences provide valuable lessons for anyone looking to grow their business and make a significant impact.   About the Guest Andy Audate is a celebrated small business marketing expert and the founder of Progreda. He has helped thousands of entrepreneurs create powerful marketing campaigns, generating over $20 million in revenue. Andy's journey from a modest upbringing to achieving remarkable business success by the age of 22 is truly inspiring. His expertise in public speaking and marketing makes him a sought-after speaker and mentor in the business world.   Key Takeaways The Power of Public Speaking: Andy emphasizes the importance of speaking on stage as a tool for generating leads and revenue. He shares strategies on how to effectively engage an audience and convert them into potential clients. Building a Personal Brand: Learn how Andy built his personal brand and how it has contributed to his business success. He discusses the significance of authenticity and consistency in branding. Marketing Strategies: Andy provides actionable marketing strategies that have helped him and his clients achieve significant growth. These include tips on creating compelling marketing campaigns and leveraging social media. Overcoming Challenges: Andy talks about the challenges he faced on his journey to success and how he overcame them. His story is a testament to resilience and determination. Inspiring Journey: Andy's journey from a small town to becoming a successful entrepreneur is filled with valuable lessons and inspiration for aspiring business owners.   Want to be a guest on Healthy Mind, Healthy Life? DM on PM - Send me a message on PodMatch, DM Me Here: https://www.podmatch.com/hostdetailpreview/avik  Subscribe To Newsletter: https://healthymindbyavik.substack.com/ Join Community: https://nas.io/healthymind Stay Tuned And Follow Us! YouTube - https://www.youtube.com/@healthymind-healthylife Instagram - https://www.instagram.com/podhealth.club/  Threads - https://www.threads.net/@podhealth.club Facebook - https://www.facebook.com/podcast.healthymind LinkedIn - https://www.linkedin.com/in/newandnew/

Episode 55 features a conversation with Kenny Johnson, a devoted fan of Max Creek. Kenny talks about helping preserve Max Creek's legacy by updating their Wikipedia page and sharing audio of their live performances on YouTube. Kenny also talks about the community of fans that supports Max Creek, his favorite venues to see the band play and his thoughts on the future of Max Creek.This episode features the following songs performed live by Max Creek:In Harmony performed at The Met in Pawtucket, Rhode Island, on November 23, 2018:https://archive.org/details/MC2018-11-23.TheMetCreekendNight1TelefunkenShureMatrix/02InHarmony.flacEmerald Eyes performed at the Strange Creek music festival in Greenfield, Massachusetts, on May 27, 2017:https://archive.org/details/MC2017-05-27.MaxCreekStrangeCreekMusicFestivalTelefunkenMatrix/16EmeraldEyes.flacTrail To Odeo performed at Boney's Cafe in Winsted, Connecticut, on May 23, 1975:https://archive.org/details/mc1975-05-23.flac16f/mc1975-05-23d1t02.flacICU performed at the StrangeCreek Campout music festival in Greenfield, Massachusetts, on May 23, 2009:https://archive.org/details/mc2009-05-23.aud-mtx.flac16/mc2009-05-23d2t03.flacThree performed at Mill Street Brews in Southbridge, Massachusetts, on March 27, 2010Lhttps://archive.org/details/mmsm2010-03-27.mtx.flac16/mmsm2010-03-27t09.flacRead a transcript of this episode on the Hooked on Creek website:https://hookedoncreek.com/2024/09/episode-55-kenny-johnson-discusses-max-creek/If you have feedback or suggestions for future episodes, send a message via the Hooked on Creek website:https://hookedoncreek.com/contact/

America's industrial past lends itself to ghost stories. No one can doubt that working in industrial mills was a dangerous enterprise. These mills employed whole families, including children starting at six-years-old. Slater Mill in Pawtucket, Rhode Island covers five acres in the Blackstone River Valley and is credited with being the birthplace of the Industrial Revolution in America. There are three buildings on the property and all of them are reputedly haunted. The Blackstone Valley has several haunted locations and we'll also explore Tavern on the Main. Join us for the history and hauntings of Old Slater Mill and Tavern on the Main! The Moment in Oddity features Chachapoya Mummies and This Month in History features the Smallpox Vaccine. Our location was suggested by Laura Frye. Check out the website: http://historygoesbump.com Show notes can be found here: https://historygoesbump.blogspot.com/2024/05/hgb-ep-537-old-slater-mill-and-tavern.html Become an Executive Producer: http://patreon.com/historygoesbump Music used in this episode:  Main Theme: Lurking in the Dark by Muse Music with Groove Studios (Moment in Oddity) "Vanishing" Kevin MacLeod (incompetech.com) Licensed under Creative Commons: By Attribution 4.0 License http://creativecommons.org/licenses/by/4.0/ (This Month in History) "In Your Arms" Kevin MacLeod (incompetech.com) Licensed under Creative Commons: By Attribution 4.0 License http://creativecommons.org/licenses/by/4.0/ Outro Music: Happy Fun Punk by Muse Music with Groove Studios Other music used in this episode: Industrial Scary Ambience by Tim Kulig(timkulig.com) soundcloud.com/timkuligfreemusic pixabay.com/users/timkulig-31678821/ Licensed under Creative Commons: By Attribution 4.0 creativecommons.org/licenses/by/4.0/ IMDB: www.imdb.com/name/nm0997280/?ref_=fn_al_nm_1

When a 10-year-old girl didn't come back from a quick trip to the store on a cold January night in 1988, her family and the Pawtucket, Rhode Island community searching for her feared the worst. Then weeks later when her body was found miles away, those fears were confirmed… and the questions just started stacking up.What happened to Christine Cole? Investigators have considered multiple persons of interest and suspects over the last 30-plus years and even made an arrest, but the evidence crumbled as allegations of misconduct rose to the surface.If you have any information about the 1988 unsolved case of Christine Cole in Pawtucket, Rhode Island or the 1988 unsolved murder of Michelle Norris in Central Falls, Rhode Island, please call 1-877-RI-SOLVE. View source material and photos for this episode at: darkdowneast.com/christinecole Dark Downeast is an audiochuck and Kylie Media production hosted by Kylie Low.Follow @darkdowneast on Instagram, Facebook, and TikTokTo suggest a case visit darkdowneast.com/submit-case

This week, in Pawtucket, Rhode Island, a long, booze & drug filled day ends with a strange interaction at the cemetery, that leaves a local woman's head, completely crushed by a tombstone. It's a cold & awful act, made worse by the weak attempts to get away with it, and their even worse attempts at trying to blame each other. Will the punishment fit the hideous crime, or will they continue to be criminals??Along the way, we find out that when you think Rhode Island, you should think of Chinese dragon boat races, that a cemetery is creepy place to have sex, and that when you're both terrible people, blaming each other won't help!Hosted by James Pietragallo and Jimmie WhismanNew episodes every Thursday!Donate at: patreon.com/crimeinsports or go to paypal.com and use our email: crimeinsports@gmail.comGo to shutupandgivememurder.com for all things Small Town Murder & Crime In Sports!Follow us on...twitter.com/@murdersmallfacebook.com/smalltownpodinstagram.com/smalltownmurderAlso, check out James & Jimmie's other show, Crime In Sports! On Apple Podcasts, Spotify, Amazon Music, Wondery, Wondery+, Stitcher, or wherever you listen to podcasts!See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.