Podcasts about Pennsylvania

Randy hosts Real or Fake: Anime, Will got cucked at Thanksgiving dinner, 'Chair Company', Fan Feedback, and the Crumbl CEO loves ball.  Support us on Patreon and receive weekly episodes for as low $5 per month: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠www.patreon.com/circlingbackpodcast⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Watch all of our full episodes on YouTube: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠www.youtube.com/washedmedia⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Shop Washed Merch: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠www.washedmedia.shop⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ • (0:00) Fun & Easy Banter • (9:35) Real or Fake Anime • (30:30) Will Family Cucking • (44:25) Chair Company • (1:09:20) Fan Feedback • (1:20:25) Crumbl CEO Loves Ball Support This Episode's Sponsors: Rag & Bone: Upgrade your denim game with Rag & Bone!. Get 20% off sitewide with code STEAM at ⁠https://rag-bone.com/⁠ #ragandbonepod Squarespace: Check out ⁠⁠⁠https://squarespace.com/steam⁠⁠⁠ for a free trial, and when you're ready to launch, use OFFER CODE: STEAM to save 10% off your first purchase of a website or domain. Rocket Money: Cancel your unwanted subscriptions and reach your financial goals faster with Rocket Money. Go to ⁠⁠https://rocketmoney.com/circling⁠⁠ today. Fitbod: Get 25% off your subscription or try the app FREE for seven days at ⁠⁠https://fitbod.me/steam⁠⁠ Underdog Fantasy: Download the app today and sign up with promo code STEAM to score ONE HUNDRED DOLLARS in Bonus Funds when you play your first FIVE dollars – that's promo code STEAM Must be 18+ (19+ in Alabama & Nebraska; 19+ in Colorado for some games; 21+ in Arizona, Massachusetts & Virginia) and present in a state where Underdog Fantasy operates. Terms apply. See assets.underdogfantasy.com/web/PlayandGetTerms_DFS_.html for details. Offer not valid in Maryland, Michigan, Ohio, and Pennsylvania. Concerned with your play? Call 1-800-GAMBLER or visit www.ncpgambling.org. In New York, call the 24/7 HOPEline at 1-877-8-HOPENY or Text HOPENY (467369) Learn more about your ad choices. Visit megaphone.fm/adchoices

(3:00) What have you seen from Norvell in 6 years that you think can be used to build a winner in 2026?(14:00) What's a restructure look like to you?(26:00) Deadline on knowing whether Gus and Tony are coming back?(31:00) Record expectations for 2026(35:00) Grade the position groups and coaches(39:00) More on Herb Hand and Mark Stoops(44:00) Generating Discussion sparked by Cummins(59:00) What could have been done to prevent these disappointments?(1:06:00) The snub and its ubiquitous and nebulous role in FSU's fortunes of lateMusic: Run The Riot - Falling Downvitaminenergy.com | PROMO: warchantbogo | buy one, get one free!In Crawfordville, your Home Convenience Store is ACE Home Center & NAPA Auto Parts located at 2709 Crawfordville Hwy Download the  Underdog app today and sign up with promo code WARCHANT to score A HUNDRED dollars in Bonus Funds when you play your first five dollars.Must be 18+ (19+ in Alabama & Nebraska; 19+ in Colorado for some games; 21+ in Arizona, Massachusetts & Virginia) and present in a state where Underdog Fantasy operates. Terms apply. See assets.underdogfantasy.com/web/PlayandGetTerms_DFS_.html for details. Offer not valid in Maryland, Michigan, New Jersey, New York, Ohio, and Pennsylvania. Concerned with your play? Call 1-800-GAMBLER or visit www.ncpgambling.org. In New York, call the 24/7 HOPEline at 1-877-8-HOPENY or Text HOPENY (46736) Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

(3:00) What have you seen from Norvell in 6 years that you think can be used to build a winner in 2026?(14:00) What's a restructure look like to you?(26:00) Deadline on knowing whether Gus and Tony are coming back?(31:00) Record expectations for 2026(35:00) Grade the position groups and coaches(39:00) More on Herb Hand and Mark Stoops(44:00) Generating Discussion sparked by Cummins(59:00) What could have been done to prevent these disappointments?(1:06:00) The snub and its ubiquitous and nebulous role in FSU's fortunes of lateMusic: Run The Riot - Falling Downvitaminenergy.com | PROMO: warchantbogo | buy one, get one free!In Crawfordville, your Home Convenience Store is ACE Home Center & NAPA Auto Parts located at 2709 Crawfordville Hwy Download the  Underdog app today and sign up with promo code WARCHANT to score A HUNDRED dollars in Bonus Funds when you play your first five dollars.Must be 18+ (19+ in Alabama & Nebraska; 19+ in Colorado for some games; 21+ in Arizona, Massachusetts & Virginia) and present in a state where Underdog Fantasy operates. Terms apply. See assets.underdogfantasy.com/web/PlayandGetTerms_DFS_.html for details. Offer not valid in Maryland, Michigan, New Jersey, New York, Ohio, and Pennsylvania. Concerned with your play? Call 1-800-GAMBLER or visit www.ncpgambling.org. In New York, call the 24/7 HOPEline at 1-877-8-HOPENY or Text HOPENY (46736) Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

When Sen. John Fetterman (D-Pa.) won Pennsylvania's Senate seat in 2022, Democrats saw him as a symbol of a new direction during the Trump era. Three years later, things are very different. His new memoir, Unfettered, discusses his mental health struggles, the stroke he suffered in 2022 and his relationship with the left. In today's episode, Fetterman speaks with NPR's Scott Detrow about the book and some of his disagreements with fellow Democrats.To listen to Book of the Day sponsor-free and support NPR's book coverage, sign up for Book of the Day+ at plus.npr.org/bookofthedayLearn more about sponsor message choices: podcastchoices.com/adchoicesNPR Privacy Policy

In this episode of Warriors Unmasked, host Chuck Thuss welcomes former Navy SEAL David Brown. David shares his journey from a challenging upbringing in Wilkesboro, Pennsylvania, to becoming a Navy SEAL despite his small stature and initial skepticism from others. Throughout the conversation, David discusses the lessons learned from persistent bullying, the importance of resilience, and never letting adversity define him. He also delves into his transition from military life to federal law enforcement and personal battles, including a tough period marked by divorce and personal loss. Despite these challenges, David emphasizes the importance of perseverance, mental fortitude, and seeking help when needed. He is also an author and speaks about his book and an upcoming project. David's story is a testament to the power of determination and a positive mindset in overcoming life's toughest obstacles. Guest Bio David W. Brown is a former Navy SEAL and federal special agent whose career spans more than three decades of military and public service. After graduating BUD/S with Class 115, he served with UDT-21 and SEAL Team 4 before transitioning to NCIS and later holding senior leadership roles with the EPA and the Department of the Interior. Now retired as a Senior Executive, David continues to share his story of resilience while advocating for public safety in Sanford, Florida. You'll hear About How childhood adversity shaped David's resilience The mindset that carried him through Navy SEAL training Hitting rock bottom and rebuilding his life Learning to ask for help and the power of vulnerability How to access courage when life feels impossible Chapters 00:00 Welcome and Gratitude 01:13 Early Life and Challenges 02:33 Developing Resilience 04:08 Overcoming Bullying 06:08 Joining the Navy 08:44 Becoming a Navy SEAL 14:13 Facing Adversity in Training 16:53 Life in the SEAL Teams 18:49 Post-Military Life 19:19 Adventures with SEAL Team 19:54 Transition to Federal Agent 20:53 Personal Life Struggles 21:55 Hitting Rock Bottom 23:19 Climbing Back Up 23:36 Finding Happiness and Success 29:11 Mental Health and Seeking Help 33:02 Current Life and Future Plans 38:18 Final Words of Encouragement Chuck's Challenge This week, when things feel tough, don't think about the whole road ahead. Just win the next few seconds. Take a breath, take one step forward, and keep going. You're stronger than you think. Connect with David Brown Website: https://www.udtdave.com/ Linked In: https://www.linkedin.com/in/udtdave/ Facebook: https://www.facebook.com/TheLittlestSEAL X: https://www.facebook.com/TheLittlestSEAL Connect with Chuck Check out the website: https://www.thecompassionateconnection.com/ Linked In: https://www.linkedin.com/in/chuck-thuss-a9aa044/ Follow on Instagram: @warriorsunmasked Join the Warriors Unmasked community by subscribing to the show. Together, we're breaking stigmas and shining a light on mental health, one story at a time.

Dr. Jeffrey Smalldon has corresponded with some of the most infamous killers in United States history.That habit started long before he became a distinguished forensic psychologist, an expert on what makes killers tick.In his new book, That Beast Was Not Me: One Forensic Psychologist, Five Decades of Conversations with Killers, Jeff delves into his correspondence with infamous killers and figures like Charles Manson, Lynette "Squeaky" Fromme, Ted Bundy, John Wayne Gacy, and more.Get Jeff's book That Beast Was Not Me here: https://bookshop.org/p/books/that-beast-was-not-me-one-forensic-psychologist-five-decades-of-conversations-with-killers-jeffrey-l-smalldon/a4e8236eb8ace300?ean=9798986512488&next=tOr here, on Amazon: https://www.amazon.com/That-Beast-Was-Not-Conversations-ebook/dp/B0D6WPF17HCheck out Jeffrey Smalldon's email and newsletter here: https://jeffreysmalldon.com/Find discounts for Murder Sheet listeners here: https://murdersheetpodcast.com/discountsCheck out our upcoming book events and get links to buy tickets here: https://murdersheetpodcast.com/eventsOrder our book on Delphi here: https://bookshop.org/p/books/shadow-of-the-bridge-the-delphi-murders-and-the-dark-side-of-the-american-heartland-aine-cain/21866881?ean=9781639369232Or here: https://www.simonandschuster.com/books/Shadow-of-the-Bridge/Aine-Cain/9781639369232Or here: https://www.amazon.com/Shadow-Bridge-Murders-American-Heartland/dp/1639369236Join our Patreon here! https://www.patreon.com/c/murdersheetSupport The Murder Sheet by buying a t-shirt here: https://www.murdersheetshop.com/Check out more inclusive sizing and t-shirt and merchandising options here: https://themurdersheet.dashery.com/Send tips to murdersheet@gmail.com.The Murder Sheet is a production of Mystery Sheet LLC.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 of Unwritten, host Trevor Barecca welcomes Murphy Tinio, who shares a personal chapter that illuminates the movement of the Holy Spirit today. Murphy opens into a season of his life that felt hard and dry while serving as a second-year missionary and first-year team director in Philadelphia, Pennsylvania. Grappling with profound loneliness and disconnection, Murphy sought clarity during a silent retreat.His story is one of simple faith: going to prayer, asking God for what he genuinely needed, and receiving a surprising, clear answer at 3:30 a.m.. The ensuing conversation with a fellow missionary, Noah, became a crucial moment, demonstrating God's provision for Murphy's expressed desire for friendship.In This Episode You'll Hear:

John Helveston of George Washington University discusses why a U.S. pullback from China on EVs is risky, and why engagement could strengthen America’s auto industry. --- China has rapidly become the center of global EV innovation, producing cars that are cheaper, faster to develop, and increasingly competitive in international markets. The United States, by contrast, is pulling back, eliminating incentives and pursuing policies that distance the country from China just as the global EV transition accelerates. George Washington University’s John Helveston, whose work focuses on global EV markets and China’s manufacturing system, argues that this course risks sidelining the U.S. from the technologies and supply chains shaping the automotive future. On the podcast, he explains why a more pragmatic approach that protects national security and workers while engaging with China’s central role in the EV ecosystem may be essential for America’s long-term position in the global auto industry. John Helveston is an associate professor in the department of Engineering Management and Systems Engineering at George Washington University. Related Content Electric Vehicle Penetration and Urban Spatial Restructuring: A Case Study of Beijing with Geospatial Machine Learning https://kleinmanenergy.upenn.edu/research/publications/electric-vehicle-penetration-and-urban-spatial-restructuring-a-case-study-of-beijing-with-geospatial-machine-learning/ Battling for Batteries: Li-Ion Policy and Supply Chain Dynamics in the U.S. and China https://kleinmanenergy.upenn.edu/research/publications/battling-for-batteries-li-ion-policy-and-supply-chain-dynamics-in-the-u-s-and-china/ Energy Policy Now is produced by The Kleinman Center for Energy Policy at the University of Pennsylvania. For all things energy policy, visit kleinmanenergy.upenn.edu. See omnystudio.com/listener for privacy information.

In this special episode, Tony and the show's producer, Julia, take a trip down memory lane, counting down their top 10 episodes from the first two years of the Alternative Allocations podcast. They share insights into the most impactful discussions, from the evolution of the industry and product development to the importance of manager selection and advisor education. Tony and Julia reflect on the podcast's growth, including consistently ranking in the top 25% of all podcasts! Tune in for a look back at the highlights of their journey and the valuable conversations that have resonated with their audience. As Director of US Alternatives Marketing at Franklin Templeton, Julia Giordano leads a team responsible for marketing strategy and campaign development for private market strategies and products. Additionally, she serves as the producer of the Alternative Allocations podcast. Julia joined Franklin Templeton in 2018 as part of the US marketing team and began focusing on private markets in 2022 when the specialized marketing team was formed. Along with her previous experience at advertising agencies serving automotive, healthcare, and financial services clients, Julia brings a unique blend of industry knowledge and marketing expertise.  She earned an MBA from Boston University's Questrom School of Business and a BA from the University of Pennsylvania. Julia holds a Unifi by CAIA Fundamentals in Alternative Investments certificate, FINRA Series 7 and 63 licenses, as well as the RMA certification from the Investments & Wealth Institute.    Resources: Julia Giordano, RMA® | LinkedInAlternatives by Franklin TempletonTony Davidow, CIMA® | LinkedIn  

The primary focus of this podcast episode is the comprehensive analysis of the winter weather conditions affecting various regions of the United States on December 2, 2025. I elucidate the impact of a significant winter storm that has engendered widespread warnings and advisories across the northern Mid Atlantic and interior Northeast. Furthermore, I address the adverse weather phenomena occurring in the Florida Panhandle, where morning storms present a marginal risk of damaging winds and the potential for brief tornadoes. As I traverse through the states, I highlight the freeze warnings that prevail in parts of California, Nevada, and Arizona, alongside the winter storm warnings in Alaska and New Hampshire, which are indicative of hazardous travel conditions. This episode serves as a crucial briefing to ensure that our listeners remain informed and prepared amidst these challenging weather developments.Takeaways:* A significant winter storm is currently affecting the northern Mid Atlantic and Northeast regions. * The Florida Panhandle is experiencing morning storms, with potential for severe weather conditions. * California is under freeze warnings due to a cold, dry air mass affecting various locations. * Winter weather advisories are issued across several states, including Pennsylvania and New Jersey. * Accumulating snow is expected in parts of New York, impacting travel conditions throughout the region. * Coastal areas face increased risks of flooding and hazardous conditions due to high tides and strong winds. Sources[NWS Winter Storm Warning (national text feed) | https://www.weather.gov/wwamap/wwatxtget.php?cwa=usa&wwa=winter%20storm%20warning][NWS Phoenix | https://www.weather.gov/psr/][NWS Los Angeles/Oxnard | https://www.weather.gov/lox/][NWS San Francisco Bay Area | https://www.weather.gov/mtr/][NWS New York, NY (OKX) | https://www.weather.gov/okx/][NWS Mt. Holly Briefing | https://www.weather.gov/phi/marine][NWS Tallahassee | https://www.weather.gov/tae/][SPC Day 1 Outlook | https://www.spc.noaa.gov/products/outlook/day1otlk.html][NWS Tallahassee Marine | https://www.weather.gov/tae/marine][NWS Honolulu Advisories | https://www.weather.gov/hfo/watchwarn][NWS Honolulu Surf Forecast | https://www.weather.gov/hfo/SRF][NWS Gray/Portland | https://www.weather.gov/gyx/][NWS Baltimore/Washington Weather Story | https://www.weather.gov/lwx/weatherstory][NWS Baltimore/Washington (Advisories page) | https://www.weather.gov/lwx/][NWS Boston/Norton | https://www.weather.gov/box/][NWS Gaylord | https://www.weather.gov/apx/][NWS Las Vegas | https://www.weather.gov/vef/][NWS Gray/Portland NH Page | https://www.weather.gov/gyx/domainNH][NWS Mt. Holly Briefing | https://www.weather.gov/phi/marine][NWS Albany | https://www.weather.gov/aly/][NWS New York, NY | https://www.weather.gov/okx/][NWS Cleveland Advisory/Outlook | https://www.weather.gov/cle/][NWS CLE “Forecast Cold Outbreak” | https://www.weather.gov/cle/Forecast_Cold_Outbreak][NWS State College Area Forecast Discussion (Advisorieslisted) | https://www.weather.gov/ctp/AreaForecastDiscussion][NWS Pittsburgh DSS/Advisory page | https://www.weather.gov/pbz/weatherbriefingpage][NWS Burlington “Winter Storm Warnings and Advisories forTuesday” | https://www.weather.gov/btv/][NWS Baltimore/Washington Weather Story | https://www.weather.gov/lwx/weatherstory] This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit emnetwork.substack.com/subscribe

How do you take a healthcare innovation from lab to market—without losing your shot at impact? In this episode of CPO PLAYBOOK, Sasha Schrode, CEO of FEMSelect, shares her founder journey from licensing IP out of the University of Pennsylvania to raising venture capital, securing FDA approval, and selling her first company. Now leading FEMSelect, Sasha reveals the hard-won lessons from navigating regulatory hurdles, reimbursement pathways, and clinical validation. She also explains how a personal cancer diagnosis in her 30s reshaped her purpose—and why falling in love with the problem, not the solution, is what separates great CEOs from the rest. You'll learn: • Why less than 1% of healthcare innovation reaches patients • The 3 filters every founder must apply before building a company • How to test product-market fit with real clinicians • How to think like an investor—and what VCs get wrong • Why the most successful CEOs start as learners Chapters 00:00 The Journey from Diagnosis to Innovation 13:18 Understanding Market Viability and Clinical Need 22:43 The Iteration Process in Med Tech 24:20 Insights on Raising Capital and Exiting 27:24 Common Mistakes in Commercialization 32:00 First Steps for Aspiring Innovators This is your masterclass on building medtech with purpose, discipline, and market-ready strategy. — Subscribe to CPO PLAYBOOK for more conversations at the intersection of leadership, innovation, and capital strategy: https://www.cpoplaybook.com/newsletter Need support scaling leadership or culture? Let's talk: https://www.cpoplaybook.com/contact-us

pisode 803 of the Pennsylvania Rock Show features the long-awaited return of Eden on Fire, from Erie, Pennsylvania's thriving rock and metal scene. In this episode, the band sits down to discuss their latest lineup evolution, including the addition of their new guitarist Todd Sanberg The post Eden on Fire PARS803 first appeared on Build the Scene.

Feliks Banel's guest on this BONUS EPISODE of CASCADE OF HISTORY is world-renowned landscape architect - and renaissance man - Laurie Olin. Laurie Olin has been associated with many high profile projects around the world, and taught at the University of Pennsylvania for decades. Earlier in his career, Olin studied architecture at the University of Washington, and spent several years in Seattle from the late 1950s to the early 1970s working with a range of architects and civic leaders, and later writing poetry. In those formative years for the modern city, he was part of a vibrant community of artists and scholars, and was involved with design projects and grassroots preservation efforts that still resonate today in 21st-century Seattle. In a long conversation recorded on December 1, 2025, Laurie Olin covered a lot of ground, and helped evoke many well-known people and iconic places from a heady era in a young Seattle of the 1950s and 1960s. For more information about Laurie Olin's teaching: https://www.design.upenn.edu/people/laurie-d-olin For more information about Laurie Olin's work: https://www.theolinstudio.com/people#/laurie-olin/ Laurie Olin's October 2025 letter for The Cultural Landscape Foundation regarding Gas Works Park: https://www.tclf.org/laurie-olin-threats-gas-works-park CASCADE OF HISTORY is broadcast LIVE most Sunday nights at 8pm Pacific Time via flagship station SPACE 101.1 FM in Seattle and gallantly streams everywhere via www.space101fm.org. The radio station broadcasts from studios at historic Magnuson Park – located in the former Master-at-Arms' quarters in the old Sand Point Naval Air Station - on the shores of Lake Washington in Seattle. Subscribe to the CASCADE OF HISTORY podcast via most podcast platforms and never miss regular weekly episodes of Sunday night broadcasts as well as frequent bonus episodes.

Got your Black Friday and Cyber Monday shopping done? Now it's time for GivingTuesday! Homeschooling is challenging and you need encouragement and guidance. CHAP provides that top-notch support to all homeschool families in Pennsylvania (and beyond). As a non-profit ministry, CHAP needs your help to continue supplying invaluable help to the homeschool community. Join Ginger, Sara, and Ro as they chat about the benefits of supporting CHAP and how adding your time, talent, and treasure makes a world of difference!Donate to support CHAP in the endeavor to encourage, connect, equip, and protect homeschoolers at https://chaponline.com/donate/Chattin' with CHAP is a series of informational podcasts designed to equip and encourage families on their homeschooling journeys. CHAP is the Christian Homeschool Association of Pennsylvania and has provided year-round support to homeschoolers since 1994.  Find valuable resources at https://www.chaponline.comGot PA Homeschool law questions? Check out https://www.homeschoolpennsylvania.org Contact us at https://www.chaponline.com/contact-us with your questions or topics for discussion.Don't miss out on the latest in PA homeschool news! Subscribe to our eNews at https://chaponline.com/subscribe-to-enews/

"Record Breaker" Rush has been on a tear lately, perhaps the worst NFL blunder in history happened last night, some kid tried to use ChatGPT to get out of a traffic stop and failed hilariously, Pennsylvania made a list of most festive dress-up cities in the country, Burger King stole SpongeBob from Wendy's and Rick told his story of surviving the Cleveland blizzard in a hotel with no power! See omnystudio.com/listener for privacy information.

Ever wonder why some people seem naturally gifted at music? It turns out your personality may have more to do with musical ability than you think. This episode begins with research identifying which personality traits actually predict innate musical potential — and which ones don't. https://www.sciencedaily.com/releases/2015/10/151013135831.htm Are we too worried about getting scammed? Most of us would rather lose money through an honest mistake than fall victim to a con — and that hyper-vigilance affects far more of our decision-making than we realize. My guest, Tess Wilkinson-Ryan, a University of Pennsylvania law professor and psychologist, argues that our fear of “being the sucker” often makes us worse off. She is the author of Fool Proof: How Fear of Playing the Sucker Shapes Our Selves and the Social Order–And What We Can Do About It (https://amzn.to/3jMqrfo). She explains why this deeply human fear is so powerful — and how putting it in perspective can make us happier, more confident, and even more generous. Food brings out some strong and unusual beliefs. Some people insist eggplant is dangerous… others worry that burnt toast or charred meat causes cancer… and many assume artificial sweeteners wreak havoc on gut bacteria. To separate fact from fiction, I speak with Dr. Joe Schwarcz, Director of McGill University's Office for Science and Society and author of 19 books, including his latest, Better Not Burn Your Toast: The Science of Food and Health (https://amzn.to/3JMmYe3). He breaks down what's real, what's rumor, and what you actually need to know to eat smarter. Finally, what's the right way to stay warm in cold weather? Is it true that you lose most of your body heat through your head? We look at the real science of staying warm, avoiding frostbite, and protecting yourself when temperatures drop. https://www.heart.org/en/news/2025/01/03/what-cold-weather-does-to-the-body-and-how-to-protect-yourself-this-winter PLEASE SUPPORT OUR SPONSORS! AURA FRAMES: Visit ⁠⁠https://AuraFrames.com⁠⁠ and get $45 off Aura's best selling Carver Mat frames by using promo code SOMETHING at checkout. DAVID GREENE IS OBSESSED: We love the "David Greene Is Obsessed" podcast! Listen at  https://link.mgln.ai/SYSK or wherever you get your podcasts. QUINCE: Give and get timeless holiday staples that last this season with Quince.  Go to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://Quince.com/sysk⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ for free shipping on your order and 365 day returns! DELL: It's time for Cyber Monday at Dell Technologies. Save big on PCs like the Dell 16 Plus featuring Intel® Core™ Ultra processors. Shop now at: ⁠⁠⁠⁠⁠ https://Dell.com/deals ⁠⁠⁠⁠⁠ AG1: Head to ⁠⁠⁠⁠⁠https://DrinkAG1.com/SYSK ⁠⁠⁠⁠⁠ to get a FREE Welcome Kit with an AG1 Flavor Sampler and a bottle of Vitamin D3 plus K2, when you first subscribe!  NOTION: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Notion brings all your notes, docs, and projects into one connected space that just works . It's seamless, flexible, powerful, and actually fun to use! Try Notion, now with Notion Agent, at: ⁠⁠⁠⁠⁠https://notion.com/something⁠⁠⁠⁠⁠ PLANET VISIONARIES: In partnership with Rolex's Perpetual Planet Initiative, this… is Planet Visionaries. Listen or watch on Apple, Spotify, YouTube, or wherever you get your podcasts. Learn more about your ad choices. Visit megaphone.fm/adchoices

We recap our Thanksgiving Break in Fun, talk Kiffin hightailing it to Baton Rouge, general ball talk, and Dave going to the zoo. Support us on Patreon and receive weekly episodes for as low $5 per month: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠www.patreon.com/circlingbackpodcast⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Watch all of our full episodes on YouTube: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠www.youtube.com/washedmedia⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Shop Washed Merch: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠www.washedmedia.shop⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ • (0:00) Fun & Easy Banter • (14:15) This Thanksgiving in Fun • (33:55) Kiffin to LSU • (46:15) Ball Talk • (1:05:25) Dave Went to the Zoo Support This Episode's Sponsors: Rag & Bone: Upgrade your denim game with Rag & Bone!. Get 20% off sitewide with code STEAM at https://rag-bone.com/ #ragandbonepod Squarespace: Check out ⁠⁠https://squarespace.com/steam⁠⁠ for a free trial, and when you're ready to launch, use OFFER CODE: STEAM to save 10% off your first purchase of a website or domain. Rocket Money: Cancel your unwanted subscriptions and reach your financial goals faster with Rocket Money. Go to ⁠https://rocketmoney.com/circling⁠ today. Fitbod: Get 25% off your subscription or try the app FREE for seven days at ⁠https://fitbod.me/steam⁠ Underdog Fantasy: Download the app today and sign up with promo code STEAM to score ONE HUNDRED DOLLARS in Bonus Funds when you play your first FIVE dollars – that's promo code STEAM Must be 18+ (19+ in Alabama & Nebraska; 19+ in Colorado for some games; 21+ in Arizona, Massachusetts & Virginia) and present in a state where Underdog Fantasy operates. Terms apply. See assets.underdogfantasy.com/web/PlayandGetTerms_DFS_.html for details. Offer not valid in Maryland, Michigan, Ohio, and Pennsylvania. Concerned with your play? Call 1-800-GAMBLER or visit www.ncpgambling.org. In New York, call the 24/7 HOPEline at 1-877-8-HOPENY or Text HOPENY (467369) Learn more about your ad choices. Visit megaphone.fm/adchoices

(3:00) The bad, the ugly from loss to a UF team that had 3 wins(7:00) FSU is in the wilderness(12:00) So trenches or QB biggest need for 2026?(25:00) We were told 2-10 predicted nothing for 2025. Now we're saying 2025 won't predict 2026?(35:00) Was this in some ways worse than 2-10?(55:00) So what's the wishlist and when should moves starting leaking out?Music - Miss Fortune: Kinda Misunderstoodvitaminenergy.com | PROMO: warchantbogo | buy one, get one free!In Crawfordville, your Home Convenience Store is ACE Home Center & NAPA Auto Parts located at 2709 Crawfordville Hwy Download the  Underdog app today and sign up with promo code WARCHANT to score A HUNDRED dollars in Bonus Funds when you play your first five dollarsMust be 18+ (19+ in Alabama & Nebraska; 19+ in Colorado for some games; 21+ in Arizona, Massachusetts & Virginia) and present in a state where Underdog Fantasy operates. Terms apply. See assets.underdogfantasy.com/web/PlayandGetTerms_DFS_.html for details. Offer not valid in Maryland, Michigan, New Jersey, New York, Ohio, and Pennsylvania. Concerned with your play? Call 1-800-GAMBLER or visit www.ncpgambling.org. In New York, call the 24/7 HOPEline at 1-877-8-HOPENY or Text HOPENY (46736) Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Jon Rosemberg discusses how to break free from limiting beliefs and reclaim control over your life. — YOU'LL LEARN — 1) The difference between succeeding and thriving2) How to shift out of survival mode with A.I.R.3) How to spot and challenge limiting beliefsSubscribe or visit AwesomeAtYourJob.com/ep1114 for clickable versions of the links below. — ABOUT JON — With over two decades coaching Fortune 500 executives and global teams through deep transformations, Jon Rosemberg has learned firsthand that growth begins when we courageously reclaim our agency. His personal journey, forged by immigration, loss, and career reinvention, inspires him to blend hard-won business insight with cutting-edge research to guide others toward greater meaning. Driven by his belief in human potential, Jon co-founded Anther, a firm dedicated to transforming uncertainty into possibility. He previously led high-impact initiatives at Walmart, Procter & Gamble, Indigo, and GoBolt.Jon holds an MBA from Cornell University and a Master of Applied Positive Psychology from the University of Pennsylvania, where he serves as an assistant instructor. Originally from Caracas, Venezuela, he now lives in Toronto with his wife, Adriana, and their two sons.• Book: RA Guide to Thriving: The Science Behind Breaking Old Patterns, Reclaiming Your Agency, and Finding Meaning• LinkedIn: Jon Rosemberg• Website: JonRosemberg.com— RESOURCES MENTIONED IN THE SHOW — • Study: "Workplace Wellbeing and Firm Performance" by Jan-Emmanuel De Neve, Micah Kaats, and George Ward• Study: “Our Epidemic of Loneliness and Isolation: The U.S. Surgeon General's Advisory on the Healing Effects of Social Connection and Community” • Book: Man's Search for Meaning by Viktor Frankl• Book: Nonviolent Communication: A Language of Life: Life-Changing Tools for Healthy Relationships (Nonviolent Communication Guides) by Marshall Rosenberg and Deepak Chopra• Book: Building a Life Worth Living: A Memoir by Marsha Linehan• Video: “You're More Stressed Than Ever - Let's Change That” by Kurzgesagt – In A Nutshell• Past episode: 500: Building Unshakeable Self-Esteem and Confidence with Victor Cheng— THANK YOU SPONSORS! — • Vanguard. Give your clients consistent results year in and year out with vanguard.com/AUDIO• Quince. Get free shipping and 365-day returns on your order with Quince.com/Awesome• Taelor. Visit Visit taelor.style and get 10% off gift cards with the code PODCASTGIFT• Cashflow Podcasting. Explore launching (or outsourcing) your podcast with a free 10-minute call with Pete.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Keith discusses seven ways to get a lower mortgage rate, emphasizing the historical impact of the 1940s GI Bill on homeownership and wealth creation.  Caeli Ridge, founder of Ridge Lending Group, digs into smart tactics like adjustable rate mortgages, DSCR loans, and down payment options, plus insider tips on boosting your creditworthiness, timing your rate lock, and planning ahead so you can maximize your returns.  They also explore trends like 50-year mortgages and portable mortgages, and the benefits of FHA and VA loans for first-time buyers.  Resources: Want expert guidance on your next real estate investment or mortgage? Reach out to Ridge Lending Group for personalized support and a full range of loan options—whether you're a first-time buyer or seasoned investor. Visit ridgelendinggroup.com or call 855-74-RIDGE to take your next step! Episode Page: GetRichEducation.com/582 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.  For predictable 10-12% quarterly returns, visit FreedomFamilyInvestments.com/GRE or text  1-937-795-8989 to speak with a freedom coach 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— GREletter.com or 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, seven ways you can get a lower mortgage interest rate. We'll break them down loan types available to you that you never heard of, and learn how the 1940s GI Bill shaped the mortgage that you get today on get rich education   Speaker 1  0:22   Since 2014 the powerful get rich education podcast has created more passive income for people than nearly any other show in the world. This show teaches you how to earn strong returns from passive real estate investing in the best markets without losing your time being a flipper or landlord. Show Host Keith Weinhold writes for both Forbes and Rich Dad advisors, and delivers a new show every week since 2014 there's been millions of listener downloads of 188 world nations. He has a list show guests include 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   Corey Coates  1:07   You're listening to the show that has created more financial freedom than nearly any show in the world. This is get rich education. You Keith,   Keith Weinhold  1:23   welcome to GRE from the Romanian Black Sea to the Egyptian Red Sea and across 188 nations worldwide. I'm Keith Weinhold, and this is the indefatigable get rich education before we discuss the seven ways that you can get a lower mortgage rate and more in the 1940s before my dad was born, the GI Bill gave veterans returning from World War Two access to cheap home loans, and that single policy decision might have done more to shape the modern American Housing landscape than Anything else in the last 100 years. Think about it, millions of young men, almost kids, really had just spent the better part of their early adulthood in Europe or the Pacific. They came home, married their sweethearts, started families, and suddenly America had this booming demand for housing, but demand alone doesn't build homes. You also need money. You need access to credit, and that's where the GI Bill stepped in. It didn't just thank returning service members for their sacrifice. It handed them something way more powerful, the ability to buy a home with little money down a low interest rate and underwriting standards that would frankly look like a fantasy today, that access to credit sparked one of the biggest housing booms in American history. You had these entire suburbs that sprang up overnight, Levittown in New York, Lakewood in California. These were master planned communities, and they really became a blueprint for Post War America. We had the booming 50s, and this had a lot to do with it. Here's the part that most people don't understand. This wasn't just about housing. This was about wealth creation, because for better or worse, home ownership has been the primary wealth building vehicle for the American middle class these past 100 years, when you give millions of people a subsidized path into property ownership, you're not just giving them a roof. You're giving them equity appreciation, leverage, tax benefits. You're giving them the engine, this flywheel that spins up generational wealth in a lot of ways. The GI Bill is the earliest institutional example of what I at least tell you here on the show, real estate pays five ways. Now they didn't call it that in 1947 but that's exactly what it was. Veterans earned appreciation as suburbs grew. They had amortization working for them, they collected tax advantages. Inflation slowly eroded their fixed rate mortgage balances too. And here's the thing, these weren't even speculative investments. They were homes that they lived in. Now, of course, the GI bill wasn't perfect. It expanded opportunity for millions of people, but it excluded a lot of people too. Lenders and local governments often blocked black veterans and other minorities from accessing the same benefits. That's a whole story unto itself, but the takeaway for today is, when you combine demographic momentum with favorable financing, you can remake a nation, and that's why housing policy still matters today, which we'll get. Two shortly, when you change access to credit or just tweak it, you change the trajectory of families and markets for generations, and the GI Bill proved that. So when we talk about interest rates, affordability, supply shortages, or any of the high frequency housing data that we cover here, remember that the stories aren't just about numbers. They really are about people. They're about giving ordinary Americans the chance to build wealth the same way that those World War Two veterans did through ownership, stability and the quiet compound leverage, not compound interest. Compound leverage that real estate delivers over time.    Keith Weinhold  5:49   I'm bringing you today's show from, I suppose, a somewhat exotic location. I am inside Caesar's Palace, which is right near the very middle of the famed Las Vegas Strip, that's where I'm at. The hotel staff is always accommodative of the show setup. This might seem a little strange to you, because I'm not a gambler. The reason I'm here is that my brother lives 25 minutes away, and I've been with him during Thanksgiving. Next week, I'll bring you the show from Buffalo, New York, and then two weeks from now, I have something heart warming to tell you about that, and it is a real estate story. I'll be broadcasting the show from upstate Pennsylvania. I'll be there to visit my parents. My brother's also coming in from Nevada to be there. That's where the four of us, mom, dad, my brother and I will sit around the same dining room table in the same kitchen of the same home that my parents have lived in since the 1970s nothing has changed, and all four of us know our spots at the table. And actually, it's not even called the dining room table. It is the supper table, as my parents call it so, from flashy Caesar's Palace today to Buffalo and then to Appalachian simplicity in Pennsylvania, the stability and continuity of my parents living in the same home and four wine holds sitting around the table during the holidays, it is so rare. I imagine less than one or 2% of people can do this. I'm just profoundly grateful and proud of Kurt and Penny Weinhold for being the best, most stable parents I could have asked for. It's almost too much to ask, and if you don't have that in your life. Ah, you can do something about that. You can provide the same decency and stability for your children.    Keith Weinhold  7:50   Let's talk about seven proven ways you can get a lower mortgage rate with this week's terrific guest. Though, we'll focus on investment properties. A lot of this applies to primary residences as well.   Keith Weinhold  8:07   We are joined by the founder of the lender that's created more financial freedom for real estate investors than any other mortgage originator in the nation, the eponymous Ridge lending group. And though that sounds impressive, my gosh, she didn't even need that introduction for you the listener, because she's one of the most recurrent guests in show history. Welcome back to GRE Caeli Ridge,   Caeli Ridge  8:30   I am delighted to be here as always, Keith, thank you for your support and acknowledgement. I love what you do, and I'm hoping that I can bring more value today to your listeners in what it is that we do, educating the masses, right?   Keith Weinhold  8:42   You've been doing that here for about 10 years. And yes, we're talking about a woman with a reputation for writing emails in all caps, yet still maintains a great relationship with everybody. I mean, congrats, shaile. I couldn't possibly pull that off myself.   Caeli Ridge  8:58   Thank you, Keith. And you know, I'm going to stay by my all caps, man, it's a speed thing. It all boils down to the number of seconds in the day that I can just move quickly through an email. Yeah, I love my all caps.   Keith Weinhold  9:09   Apparently recipients are still replying, well, you can get a lower mortgage rate in at least seven ways. You can get an adjustable rate mortgage, do a midweek lock in, negotiate seller credits. Have a high credit score. Do a two one buy now, which is kind of old school, but some home builders are using it boost your DTI or buy now, not later. Those are some of the strategies for lowering your mortgage rate. What are your thoughts with regard to that?   Caeli Ridge  9:39   I think all of those are viable. I would just say on the adjust for a mortgage. The pushback I would give there is, is that for residential property, specifically, single family, up to four units, we are not finding that spread between the arm and a 30 year fix. We've been the industry as a whole, secondary specifically been on the inverted yield. Now this gets a little tough. Nickel, and I won't go down that rabbit hole, but 08, 09, the housing and lending crash created an environment within secondary markets where an inverted yield has made a 30 year fixed mortgage more favorable in the rate department. Now that's not always going to be the case. I am a huge fan of the adjustable, but what would work right now is an adjustable with the all in one not to take too much time on that topic, but that would be an adjust rate mortgage that I think would save interest or reduce the rate of which interest is accruing,   Keith Weinhold  10:30   the all in one loan, which we discussed extensively back at the beginning of this year here on the show. Long term, though, I have seen adjustable rate mortgages work for a lot of people, because really, the compelling proposition of the arm is that it guarantees that you get a lower rate in the near term, and yet there's only a chance that you're going to have a higher rate in the long term   Caeli Ridge  10:53   and further. Let's I mean, let's dissect that a little bit. I am a huge proponent. I love an adjustable rate mortgage when the arm is pricing a half or a full percentage point plus over a fixed especially for non owner occupied and the reason for that is, and this is statistically speaking, feel free to look this up, guys, the average shelf life of a mortgage for an investment property is about five years. Great point, right? And we know that if that's the case, right, we're refinancing to harvest equity. We're refinancing maybe to reduce an interest rate from where the market was before, et cetera, et cetera. So that would be the first thing I would say. And then also remember, you guys the first 10 years of an amortized mortgage, 30 year fixed, amortized mortgage, how much of that payment is going to the principal? Because people will often push back by saying, well, either an interest only, or an adjustable and what happens if it changes or it goes up? Most of your payment is going to the interest anyway, and that reset to harvest equity. Borrowed funds are non taxable. We always say that, right? I think it's fully justified. So I love an arm, I just don't know, in comparison to a 30 year fixed today, like a five year ARM versus a 30 year fixed we are in a place that it makes sense, but normally, to your point, absolutely. Fan   Keith Weinhold  12:06   that spread needs to widen for the arm to make more sense. What about doing a mid week rate lock in? Is that a thing?    Caeli Ridge  12:13   Yeah. And you know, I don't have any empirical evidence here. Okay, I don't have any data points that actually prove this, except for 25 years in the business and locking loans every day of my life. There's something about a Monday and a Friday. And I have some conspiracy theories. I don't know that. I it's necessary to share them here, but midweek locks tend to be more favorable in both points and interest rate than you'll find on a Friday and a Monday. I think largely it has to do with, you know, the stock exchanges shutting down for the weekend, right? You got a Friday, you got two days in between. You got foreign markets, and all the things that can explode and happen during that amount of time. So I think they hedge a little bit. So on Friday, going into the weekend, I think that there's something about that and why interest rates are a little less favorable. And then Monday, of course, coming off the weekend, similarly, maybe there's some truth to that too.   Keith Weinhold  13:02   Now, negotiating seller credits has really been a trend to help with affordability. Tell us about specifically what you're seeing there, what's common.   Caeli Ridge  13:11   So we're talking to investors. I can tell you that the loan products you guys are going to have access to are going to cap you, okay, you're going to cap at, per guideline, 2% of the purchase price. Okay, remember that your points that you're paying when you get into locking an interest rate are going to be calculated on the loan size, all right. So the first thing to know is seller paid closing costs, maximum is going to be 2% per underwriting guidelines. That 2% is based on your purchase price. Anything that you're paying points for is going to be on the loan balance, the loan size, so there's going to be a little extra there for you that can contribute or can pay for some other closing costs, right, depending on the numbers. Now, if you're smart enough, or lucky enough, or whatever, the market is viable enough that you can negotiate more than 2% from the seller to pay towards closing costs, you're going to be limited on what you can do on the loan side. But let's say that you go and you've negotiated 4% seller will pay 4% towards your closing costs. Then in that case, you can reduce, you got the two points that you're allowed per guideline. And then you can reduce the purchase price by the difference you don't want to leave that money on the table.   Keith Weinhold  14:15   That's how it's done. And then there's just simply having a higher credit score. What's the highest credit score that really helps you get the lowest mortgage rate for both primary residences and non owner occupied properties. Loan product   Caeli Ridge  14:29   type dependent. But I would say overall, 760 and above is kind of that threshold. There are products that go 780 maybe even on the rare occasion, 800 and above. If I had to pick a number as the absolute pinnacle, I'm going to go 780    Keith Weinhold  14:41   All right, so having a credit score above those thresholds really doesn't help get you a lower interest rate. It's really just a little flex that you've got an 811, credit score, or whatever it is. Now the two, one buy down. That's something that we used to see long ago. A few home builders are bringing it back. And what that does it allow? Homebuyers to pay a lower interest rate for the first two years with the seller covering the difference, and that allows the seller to get their price. They don't have to lower the price of the home at all. But the two one buy down, and you see that written, two, one that has been employed more recently. Tell us about that.    Caeli Ridge  15:18   Well, the builders are struggling in some cases, right? The affordability buzzword is all over the place. So they've had to get creative and find ways in which they can move their inventory. So I think they've done a good job at kind of shaving off some of their margins to satisfy or improve the terms for the consumer. So I like the two. One, if you can get it   Keith Weinhold  15:37   now, one can boost their DTI as well their debt to income ratio and Taylor. When we've talked about that before, we've usually talked about reducing your debts in order to improve your DTI. However, a lot of people don't think about the fact that, oh, well, you can increase your income that lowers your DTI to help you qualify. So tell us what is the max DTI that you can have   Caeli Ridge  16:00   maximum debt to income ratio, in most cases on a full dock loan is going to be 50% now, depending on the type of income that you earn or that you've demonstrated, how you calculate that can get a little bit tricky. But if you're just a straight w2 wage earner, we don't have, you know, commissions or bonuses or anything that we consider variable income, then you just take your gross income times 50% whatever that number is, all of your liabilities on the credit report, we do not count ordinary living expenses like food and gas and utilities and cell phone bills. It's the minimum payments on the credit report. As long as whatever that add up is fits within that 50% you're good to go.    Keith Weinhold  16:37   Now, when it comes to improving our DTI to get a lower mortgage rate, I tend to think it's easier to knock out some debts to improve your DTI. But what about the other side of it? What about increasing your income to improve your DTI, lower your mortgage rate and qualify? Can you talk about some of the strategies for increasing your income with respect to DTI?    Caeli Ridge  17:02   Absolutely. And the biggest one, I think that we probably want to focus on most is going to be on a schedule E, right? That's the one that you're going to have more control over. So when we talk about rental income and how we might be able to boost that first, it might be important to share that there are two ways in underwriting that we will calculate or quantify rental income. The first way is called the acquisition year formula. I'll give you that in just a second. It's very easy, but the way I think we focus on here, because acquisition year is going to be what it is, you're going to have very little ability to manipulate or change that once our rental properties fall on our tax return, specifically the Schedule E of a federal tax return, you as the taxpayer or the borrower are going to have some access to maximize or increase the income, or, let's actually get a little bit more granular there to maximize the gain or minimize the loss, by means of depreciation, maybe a cost seg, maybe we make sure that one time, extraordinary expenses are demonstrated on the tax return in the appropriate way so that underwriting can add those things back. So I know that this sounds technical, but the scheduling is the way that I would say is the easiest for an investor to maximize income, reduce debt to income ratio. And I will close by saying that ridge lending, I think one of our most valued value adds is the ability to help our clients look at their draft tax returns on an annual basis and present them with, Hey, listen, Mr. Jones, if you file this way, this draft tax return, if it files this way, this is what it means to your debt to income ratio. Here's my advice, right? We go into a lot of depth there with our clients.   Keith Weinhold  18:39   That is a smart, long term planning piece that most mortgage companies are not going to give you. They're not going to be forward looking, looking out for your next three years of growing your income property portfolio. And shortly, we'll talk about a way for you to qualify loans where you don't have to show tax returns or W twos or pay stubs. But while we're talking about how to get a lower mortgage rate and some creative ways to do that, I brought up, buy now, not later. And what do I mean by that? What I mean is say, properties appreciate even 3% over time. Buying now, I mean that is going to net you more equity if you buy now rather than waiting, than it would in the savings from a rate drop, when you look at the appreciation run up, however, if rates go up, then you get both the lower price and the lower rate by buying now, not later.   Caeli Ridge  19:32   And I would add to that, we have to remember that in addition to a very modest 3% in the home appreciation, we should be appreciating our rents at even a modest 2% a year, right? Depending on where you are, et cetera. I know that there's exceptions to the rule. And then finally, we got to add in that tax benefit, what you're going to get in your deductions, et cetera, et cetera.   Keith Weinhold  19:51   Yeah, great point. Well, I brought up seven ways that you can get a lower mortgage rate. Can you share a few more with us? Some common ones? Because I know. That almost everyone that calls in there wants to inquire about mortgage rate as well.    Caeli Ridge  20:03   Everybody wants, yep, everybody wants to talk about the rate, despite my vervet opposition to say, do the math. Do the math. Do the math. You know, the easiest one there would be buying down the rate. I'm going to try and formulate an example. Let's say you've got a really high wage earner and in the thick of their earning years, and they're trying to prepare for retirement down the road. It's a longer term burn. They desperately need tax deductions, and the deal that they're looking at, yeah, it's okay, but they want some extra expenses on the Schedule E, maybe they buy the rate down by three even 4% because points on an investment loan transaction are tax deductible, so that might be something, and they obviously benefit from the lower interest rate. Now I may push back on this, and I think again, I know I sound like a broken record here, but we really need to do the math. What are we getting versus what are we giving up to get a 6% or five and a half percent interest rate? What does that mean in real, tangible cost, and what's that? Break even? It's actually a fairly simple calculation. When you just divide the difference in what you're getting versus what you're paying for, and that'll give you the number of months that it takes to recapture the incentive versus the expense. But that would be the easiest one. Keith, I would say buying down points, using paying additional points to get that lower interest rate,   Keith Weinhold  21:20   buying down your rate. It could feel good in the short term, but it's often not the best long term or even intermediate term move when you do the math, as you always like to say, well, you the listener here, you know that you can qualify for mortgage loans, for rental properties without needing a w2 without needing a pay stub and without even needing to show tax returns, because you need all those things for a conventional loan, but for a DSCR loan, debt service coverage ratio, you don't. So talk to us about the pros and cons of a DSCR loan versus a conventional   Caeli Ridge  21:53   loan. Okay? And I've got a hook here too, because I think the listeners are gonna be very, very pleased to hear at the end of this statement, what's happening with DSCR in conjunction or comparison, rather to the conventional so DSCR everybody means debt service, coverage ratio. It's a very simple formula. We are going to take the gross rents and divide it by the principal and interest and taxes and insurance and association. If it applies, that's it.   Keith Weinhold  22:18   $1,000 in gross rents, $800 in p i, t i, that yields a DSCR of 1.25 Correct?   Caeli Ridge  22:25   Yes, you're absolutely right. The one that I use as I, just to keep it simple, is 1000 rents, 1000 piti. That's a 1.0 right? As long as the gross rents are equal or greater than the p i, t i, you're going to be in a position to get the more favorable rates. Now that's not to say that we can't go below a 1.0 ratio. You can actually have a property, we have products that will allow the DSCR to be a point seven five. That would mean, in this scenario, if you had rents, gross rents of 750, and the piti was 1000 you can actually get that loan done. That is allowed. The rate gets a little bit hairy. So more often than not, we're at the 1.0 and above. So this is just a really great way for investors who are either recently self employed, maybe they're adjusted gross, they just write everything off for reasons that you can imagine. Why? Right? They don't want to pay the taxes. It could be 100 different reasons. The DSCR option is such a great solution to provide a 30 year fixed mortgage same same similar leverage, if not sometimes even better than a Fannie Freddie, than a conventional loan, you can usually leverage a little bit more, in some cases, on a DSCR like a two to four, for example, two to four unit residential property, Fannie Freddie, they kind of cut those loan to values a little bit, and the DSCR loans don't care about that. So you can get the same leverage as a single family would in a DSCR. The only other primary difference is these DSCR loans are going to come with prepayment penalties. Typically, the standard is about three years, but we're usually not refinancing in the first 36 months. Anyway, if you know that that's applicable to you, then you'd have to buy the prepay down or out, which you can do otherwise. DSCR is amazing. Oh, and I'll give you the little hook here. So something I have observed this is maybe very recent 4550 ish days, the margin for interest rate difference between conventional and DSCR is really starting to narrow. DSCR products are really performing well, and that interest rate improvements that we've been seeing for those products is not far off from what the Fannie Freddie's are, and I've even seen examples where DSCR beats a 30 year fixed Fannie Freddie rate. Now those are for the higher loan amounts. I can explain if you want, but otherwise, that's good news.   Keith Weinhold  24:36   Okay, this is really good news. It's a time in the cycle where dscrs could very well make sense for you without that huge documentation Shakedown that you need with W twos and pay stubs and everything else. There are a lot of nascent trends in the mortgage industry, and we're trying to separate some of them from being rumors, from being something that can truly happen. We're talking about 50 year mortgages and poor. Affordable mortgages. More on that. When we come back, you're listening to get rich education. Our guest is Ridge lending Group President, Chaley Ridge   Keith Weinhold  25:07   You know, most people think they're playing it safe with their liquid money, but they're actually losing savings accounts and bonds don't keep up when true inflation eats six or 7% of your wealth. Every single year, I invest my liquidity with FFI freedom family investments in their flagship program. Why fixed 10 to 12% returns have been predictable and paid quarterly. There's real world security backed by needs based real estate like affordable housing, Senior Living and health care. Ask about the freedom flagship program. When you speak to a freedom coach there, and that's just one part of their family of products, they've got workshops, webinars and seminars designed to educate you before you invest, start with as little as 25k and finally, get your money working as hard as you do. Get started at Freedom family investments.com/gre, or send a text now it's 1-937-795-8989, yep, text their freedom. Coach, directly, again. 1-937-795-8989,   Keith Weinhold  26:18   The same place where I get my own mortgage loans is where you can get yours. Ridge lending group and MLS, 42056, they provided our listeners with more loans than anyone because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage, start your pre qual and even chat with President Chaley Ridge personally, while it's on your mind, start at Ridge lending group.com, that's Ridge lending group.com   Dana Dunford  26:50   this is hemlanes co founder, Dana Dunford. Listen to get rich education with Keith Weinhold, and don't quit your Daydream.    Keith Weinhold  26:58   welcome back to get rich education. We're talking with Ridge lending Group President and Founder, Chaley Ridge about how you can get lower mortgage rates, and also about some trends in the industry, separating what's really a rumor in what could really happen squaring on 50 year mortgages and portable mortgages, those are both things only being discussed by the administration to help with affordability. FHFA Director Bill Pulte created some jarring news recently when he publicized this. What are your thoughts on the 50 year mortgage?    Caeli Ridge  27:39   You know, on a primary residence basis, I'm not so sure I need to maybe put some more thought into that. But for an investment property, I love it. Man, anything to keep that payment down so that, because, remember, we talked about earlier in the show here the percentage of mortgages, let's just use our 30 year fixed for a second that for a rental property that start on day one and then stroke a check 360 times later to pay that to zero. Is a fraction of a percent right? We are refinancing these things. We are selling them and doing 1031 exchanges. So anything that can keep my cash flow higher and my payment lower, I am all for it. Now, the people that push back and say, Well, I want to pay off my mortgage in 15 years. I don't want to pay extra interest, you are welcome to do that. So there's a second piece to this that I think is equally as important as maximizing cash flow, and that is your qualification. All right, if this comes to pass, and right now, it could just be noise, okay, and I'm speaking specifically for investment property, but if this is available to us, the debt to income ratio component, because think about it like this. So I'm going to keep using my 15 year and my 30 year, because that's kind of what we understand. The payment difference between a 30 year 360 month and a 15 year 180 month can be substantial depending on the loan size. I mean, it can be hundreds and hundreds of dollars for the individual that is dead set and say, I don't want to pay the higher interest. I want to pay these things off. We may have arguments about that whole strategy to begin with, but overall, if they still want to do that and that's their decision, Fine, take the 30 year fixed payment. Take the 30 year fixed mortgage. Apply the difference. You can figure out that payment difference very easily. Apply it religiously. Every month. You will cross the finish line in about 15.4 years. Download an amortization calculator online. You can find them everywhere. Plug in your numbers, and you'll see what I'm talking about. If you were to do this, let's say the difference is 200 bucks a month, and you send it in every month with your 30 year fixed mortgage payment, you will cross the finish line to pay that thing off in about 15.4 years. So yes, you'll pay a few extra months of interest. But what have you done to your qualifications, right, your payment now on your debt to income ratio, when we're looking at this thing for a future optimization, never take the shorter term amortization, ever, ever, ever, you won't pay the higher interest that the 30 year or the 50 Year will probably come with because you've accelerated the payoff so long, if that's your choice. Now for everybody else that really wants. To maximize that cash flow. And they get that, they're going to be refinancing this every five, six, whatever it is, years take it, man, I am all for the longer term amortization on a rental.   Keith Weinhold  30:10   I agree with you. I even like the 50 year on a primary residence, but yeah, Chaley, right here on the show, several weeks before Bill Pulte made the announcement, I actually talked about the 50 year mortgage and compared it to the 30 and the reasons that I like it because I knew there was a chance it could be coming, since this administration is trying to do so much to help out with affordability, people buy based on a payment, not a price that lowers the payment. A 50 year mortgage helps you benefit from inflation, and there are a lot of other advantages that have to do with that, although you probably are going to pay a higher interest rate on a 50 than you would a 30. And you know, Chaley, when the 30 year mortgage had its Advent just after World War Two, I'm going to guess 75 years ago, people were having this same conversation like, oh, 30 years, my gosh, you're never going to pay off the home. And really, that's not what it's about.    Caeli Ridge  31:01   Not at all, not at all. And remember, you guys, I would encourage everybody listening to this to actually go get that amortization table and see how much interest is baked in and how it is applied and paid. It is the back end of any of these amortized mortgages where the principal actually starts to get applied in a meaningful way. The 50 year mortgage, or the longer term amortization is a huge advantage. I'm speaking for investors. Mostly. I love it.   Keith Weinhold  31:26   Some people say, are you nuts? Look at how much more interest you're paying over the life of the loan on a 50 year mortgage versus a 30 year mortgage. We already touched on that you're not going to keep that loan for the life of it, and if you just take the difference from the lower payment that a 50 Year gives you, and invest that in 8% return, you are going to crush 2x to 3x oftentimes, what the paltry interest savings are over several decades,    Caeli Ridge  31:26   and somebody else is making that payment right. We have tenants that are responsible   Keith Weinhold  31:47    100% and then there's something that I don't know if portable mortgages would fly. And what this means is that when borrowers move, they could keep the rate, keep their term and keep their lender, presumably for the new home you might have seen it in the news. You the listener that Fannie May remove the minimum credit score requirements from desktop underwriting. And Chaley, I think you let me know elsewhere that those changes don't affect non owner occupied, but of course, it could affect the broader housing market in pricing. What are your thoughts about lowering the credit score requirement   Caeli Ridge  32:28   so similar to the portable stuff, until it really reaches mainstream and it affects the non owner occupied I'm not deep diving into those things. The basis of it, though, is, is that, yeah, they're removing that minimum credit score requirement from a du underwrite that stands for desktop underwriter, as you said, that is Fannie Mae's sophisticated, automated underwriting system, and I think it's just going to give more eligibility to lower income households and people trying to become homeowners that have found the barrier for entry very restrictive because They have credit issues.    Keith Weinhold  33:00   Well, let's talk about FHA and VA loans, something that we have rarely, if ever touched on. Our listeners know that I started out making my first ever property of any kind, an FHA loan with three and a half percent down on a fourplex, living in one unit, renting out the other three. Tell us about some trends there in FHA and VA loans   Caeli Ridge  33:21   we actually just did house hack campaign. We did a webinar on it, co living, all those different ways in which, you know, the younger generation, especially, and this is true for anyone. I don't want to pigeonhole it, can get themselves into home ownership and propel them into the real estate investing as an asset class. I am such a big fan of this model, in this strategy, for anybody that's interested and willing to kind of coal mingle or habitat, like you did a four Plex at three and a half percent down, you've got three tenants that are making your mortgage payment. VA, likewise, any of the Gubby loans, which include VA, FHA, USDA, you can get high, high leverage and up to four units. So I'm a huge fan of that. And then the CO living is another thing that I think is not quite mainstream, but I think it's gaining steam    Keith Weinhold  34:09   for those that don't know what we're talking about, you can use an FHA loan with a three and a half percent down payment, as long as you live in one of the units, your credit score can even be pretty low, and you can do that with a single family home, duplex, triplex or fourplex. You can get those same benefits with a VA loan and zero down   Caeli Ridge  34:29   USDA also zero down if you're in the right zip code. How does one qualify for a USDA loan? You know, there's a website I would have you check out. We don't do a ton of those. We have the ability, of course, but there's income restrictions and all of this. They've got, actually, a pretty slick website where you can go online, type in the zip code, make sure it's in a rural area, what your income is. There's all these inputs, and it'll tell you if you'd be a candidate for it. But yeah, it's good. Rates zero down. I like the product.   Keith Weinhold  34:56   Well, there have been a lot of newsy items when it comes. Comes to mortgages. Caeli and I think we should drop back before we're done here and talk about the basics. Just basically, what does it take to get a non owner occupied loan for residential income property?   Caeli Ridge  35:12   You know, there's so many options for investors today that I would say that if you have access to and even with what we just said, house hack. I mean, listen, if you've got 3% down, three and a half percent down, you can probably assure yourself you can get into a property. And if you can't qualify from a income debt to income ratio perspective, you've got three or four other models, which include DSCR, bank statement loans, asset depletion loans, overall, I would say that this is an individual conversation. Chances are you could probably qualify today, and if you can't, one of the things that I love about Ridge lending is, is that we're going to help you plant the seeds and show you how to qualify. If it takes you three months or six months or a year, that's what we do.   Keith Weinhold  35:56   Yeah, we've definitely noticed the difference here and that you do help that investor with long term planning? I do my own loans at ridge, and my assistant here at GRE she recently got the ball rolling with you in there at Ridge as well.   Caeli Ridge  36:11   Brenda, yes, yes, that was fantastic. We are very looking forward to helping her.   Keith Weinhold  36:16   Well, you know, chili, I've come here with a lot of questions that I had. What's the question No one's asking you, but you wish that they would.   Caeli Ridge  36:25   I think it probably would be for me, planning. You know, we get a lot of questions about interest rates. That's kind of top of mind for everybody. More about planning, having people that are interested in real estate as an asset class and an investment have the conversations to say, this is where I'm at today. This is where I'd like to be in five years. Tell me how to get there, and we can have those high level conversations that really sort of reverse engineer it and say, Okay, this is where you stand today from an underwriting perspective. This is where you need to be, and here's how we're going to get you there. It's always about planting seeds and creating those roadmaps, as I like to say so I would say that that would be top of my list.   Keith Weinhold  37:02   That's exactly what you do in there, and that's really what sets you apart. Well, remind our audience how they can get a hold of ridge.   Caeli Ridge  37:11   Yes, there's a couple ways. Of course, our website, Ridge lending group.com Please email us info at Ridge lending group.com and then call us toll free. 855-747-4343, 855-74-RIDGE  is an easy way to remember.   Keith Weinhold  37:25   It's really been valuable this time. Chaley, thanks so much for coming back onto the show.   Caeli Ridge  37:29    Appreciate you. Keith.   Keith Weinhold  37:36   Oh yeah, good pointed info from Chaley over at Ridge, I think that the important things for you to remember from our conversation is that, gosh, isn't it so glaring like in your face that you have options. All these options when you engage with a lender, you're going to learn that there are probably loan programs that you've never even heard of, some that you might fit into and even if you aren't adding more property, if you're not in that phase, there are ways that you can take your existing loans and consolidate them or refinance them, or use them to produce a tax free windfall for yourself and the US is often the envy of other world nations with the flexibility that we have here in our mortgage market. I've never known anyone that does this better than Chaley and her team. I mean, they are real difference makers. If you learn something on today's show, hey, Don't hoard the good stuff. Engage in the nicest kind of wealth redistribution. Tap the Share button right now and share this on social, or text this episode to one friend who'd appreciate it. That would mean the world to me. I'm your host. Keith Weinhold, don't quit your Daydream.   Speaker 2  38:57   Nothing on this show should be considered specific personal or professional advice, please consult an appropriate tax, legal, real estate, financial or business professional for individualized advice. Opinions of guests are their own. Information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of get rich Education LLC, exclusively   Keith Weinhold  39:25   The preceding program was brought to you by your home for wealth building, getricheducation.com  

In this powerful episode of Gangland Wire, retired Intelligence Unit detective Gary Jenkins sits down with Tegan Broadwater, a former Fort Worth Police officer, musician, and undercover operative whose story reads like a movie script. Broadwater takes listeners on a riveting journey from his early years as a professional musician to his dramatic turn infiltrating one of America's most dangerous street gangs—the Crips. Drawing from his book Life in the Fishbowl, he details how music, culture, and human connection became unexpected tools for survival and success inside the underworld. Listeners will hear: How Tegan Broadwater transitioned from touring musician to undercover police officer, bringing creativity and adaptability to the streets. The story of his two-year infiltration into the Crips—posing as a South Texas drug dealer with the help of a trusted informant. His insights into gang hierarchy, loyalty, and manipulation, and how understanding culture was key to earning trust. The moral challenges of living undercover—forming friendships with men he would eventually arrest. The emotional impact of a major gang raid that ended with over 50 arrests, and how it changed his outlook on justice and humanity. His decision to donate proceeds from his book to the children of incarcerated parents aims to break the cycle of violence. He continues to share lessons on leadership, empathy, and cultural understanding through his private security firm and new podcast projects.   Broadwater's story isn't just about crime and undercover operations—it's about identity, compassion, and the human cost of violence. This episode offers a rare look at what it means to live behind a mask while still holding onto one's purpose.

Alberga, Hahn and Meaney are back from Thanksgiving break talking injury news around the NHL, from the return of Brady Tkachuk, Auston Matthews and Ryan Nugent-Hopkins to recent injuries for Adam Fox, Lukas Dostal and others. Jensen joins the show to discuss the fantasy appeal of players like Gabriel Landeskog, Jamie Benn, Andre Burakovsky, Brandon Bussi and defenseman replacements for Fox. Then, in “On the Money,” presented by Bet365.ca, the guys give some betting sides and props for upcoming games this week, including some renewed hype surrounding the “Battle of Pennsylvania” on Monday.

Vic in Pennsylvania called Ken to make a point that the Russian pigeons should be poisoned. Vincent in Brooklyn, NY, should have a podcast! A caller from Florida calls Ken to discuss his cooking techniques that may spark Ken and the listeners' interest!

Vic in Pennsylvania called Ken to make a point that the Russian pigeons should be poisoned. Vincent in Brooklyn, NY, should have a podcast! A caller from Florida calls Ken to discuss his cooking techniques that may spark Ken and the listeners' interest! See omnystudio.com/listener for privacy information.

(3:00) The bad, the ugly from loss to a UF team that had 3 wins(7:00) FSU is in the wilderness(12:00) So trenches or QB biggest need for 2026?(25:00) We were told 2-10 predicted nothing for 2025. Now we're saying 2025 won't predict 2026?(35:00) Was this in some ways worse than 2-10?(55:00) So what's the wishlist and when should moves starting leaking out?Music - Miss Fortune: Kinda Misunderstoodvitaminenergy.com | PROMO: warchantbogo | buy one, get one free!In Crawfordville, your Home Convenience Store is ACE Home Center & NAPA Auto Parts located at 2709 Crawfordville Hwy Download the  Underdog app today and sign up with promo code WARCHANT to score A HUNDRED dollars in Bonus Funds when you play your first five dollarsMust be 18+ (19+ in Alabama & Nebraska; 19+ in Colorado for some games; 21+ in Arizona, Massachusetts & Virginia) and present in a state where Underdog Fantasy operates. Terms apply. See assets.underdogfantasy.com/web/PlayandGetTerms_DFS_.html for details. Offer not valid in Maryland, Michigan, New Jersey, New York, Ohio, and Pennsylvania. Concerned with your play? Call 1-800-GAMBLER or visit www.ncpgambling.org. In New York, call the 24/7 HOPEline at 1-877-8-HOPENY or Text HOPENY (46736) Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

As the one-year mark of Brian Thompson's murder approaches, accused shooter Luigi Mangione is back in court — and this week could change everything. Pre-trial motions will decide whether the gun, backpack, journal and key statements ever reach a jury. Did officers cross the line during Luigi's arrest in Pennsylvania, or were they following the rules with a dangerous fugitive? If the judge suppresses the gun and manifesto-style writings, how much of the case is left? Scott breaks down the motions, the constitutional arguments, what "fruit of the poisonous tree" really means, and how this battle could reshape both the state and federal prosecutions.

I always look forward to it as one of the season's great Christmas moments - the lighting of that towering Christmas tree in Rockefeller Center. And it's happening this week! I remember one year that it was just a tad more exciting, for me anyway, because I had sort of a second-hand personal connection. The tree came from the farm owned by our good friends' daughter and son-in-law. They were chauffeured to ringside (actually rink-side) seats for the big show. So, not only did I get to watch the tree and the performers. Hey, I had, like, friends on the front row! I'm Ron Hutchcraft and I want to have A Word With You today about "A Rockefeller Center Christmas - Ringside Seats at the Tree." Apparently, the NBC "tree scouts" look for evergreen candidates year-round. And one of them spotted this one, driving down Interstate 80 in Pennsylvania. It was readily visible from the highway and he liked what he saw. In the months leading up to the tree being cut down, the "treeologists" (I don't know if that's a word) would come with a large tractor trailer full of nutrients for Mr. Spruce. They wanted to be sure he was in good health for his moment of glory! Rachel, our friends' daughter, describes herself as a "big Christmas elf." She said the giant tree was the only thing at her home she didn't decorate for Christmas. And now it was going to be decorated big time for all the world to see! You could say she was slightly excited. I suppose our friends have viewed the lighting of the Rockefeller Center Christmas tree as we always have - a nice Christmas event. But not last year. No, it went from being just an event to an unforgettable personal experience! And thinking about that just rang a bell suddenly in my heart, because the whole Christmas thing can be much the same - a warm, cuddly event, inspired by the familiar story of that baby born in the Bethlehem manger. But it's a lot more than that for me. The event became a life-changing personal experience. When I realized the ultimate meaning of the events that night in Bethlehem, I saw that it was all about the tree. In a sense, the shadow of that tree looms over the starlight in the manger. This child is here on a mission - a rescue mission. And that mission will take Him, 33 years later, to the tree. A Roman cross on a skull-shaped hill. In our Word for today from the Word of God we learn in 1 Peter 2:24. "He Himself bore our sins in His body on the tree." Christmas was for a cross - the place where the baby of Bethlehem would become the Savior of the world by taking on Himself the death penalty for every human sin. "He bore...on the tree" every hurting thing, every dirty thing, every selfish thing, every angry thing, every wrong thing of every person who ever lived. For a time, the horrific death of Jesus Christ on a cross was just an event to me. Remembered on Good Friday. A belief to be believed. A religious symbol. But one day it became so much more. It went from an event to the most profound personal experience of my life. When it hit me, "What's happening on that cross is...well, for me. For the sinning I've done. For the punishment I deserve." And that's the day I was given a ringside seat at the tree, when my heart melted at the love this Jesus has for me - enough to die for me. I enthroned Him that day, not as just the Savior, but as my Savior. And that changed everything. As it has, and as it will, for anyone who makes what happened on that tree "for me." I wonder if you've ever done that? Have you ever taken this man who loved you enough to die for you, who is your only hope of heaven. Have you ever taken what He died for? He's the only one who can forgive the sin that will keep people out of heaven. Have you ever said, "Jesus, I want to make what You did on that cross personal for me, and take the event and make it my personal experience"? Would you tell Him today, "Jesus, I'm Yours." We can give you more information about being sure you belong to Him. Just go to our website - ANewStory.com. Christmas begins at a stable. Life begins at a tree.

Don’t retire. Redesign. Join our small group program beginning in January. Learn more. ___________________________ Will your retirement life look like the glossy images you see in the brochures? Wise up. There’s a real transition that happens when the paychecks stop and you move into your new life. But here’s the thing: it presents an opportunity for rewarding personal growth, or even transformation, that may not be apparent to you at first. Tom Marks spent decades defining himself by his profession and then faced such a transition when he stepped away. Tom shares his journey from being a high-pressure boss to finding his ‘path of happiness.’ We discuss the danger of the ‘hedonic treadmill,’ the specific mistakes to avoid in your transition to retirement, and why at this stage of life, we are all entitled to a ‘satchel of do-overs.’ Tom Marks joins us from Arizona. ________________________ Bio Tom Marks survived 48 years in the advertising business and has lived to write about it. He has won the American Advertising Awards more than sixty-five times for his writing, including TV commercials, print ads, and magazine and newspaper articles. He spent many years on the professional speakers circuit and apparently survived that, too. His thought leadership workshops for Fortune 500 companies, as well as for small and medium-sized businesses, have brought him national acclaim, and his love of the original thought leaders, Socrates, his star-student, Plato, and Plato’s ace student, Aristotle has made Tom a favorite among CEOs across the US who want to learn about corporate ethics and its origins. Tom’s new book is Coming of Age in Retirement: An Advertising Executive’s Story of Revelation and Enlightenment, also a national bestseller. Tom has won the Gold Medal for Best Nonfiction Book from the Nonfiction Writers Association, three International Impact Book Awards, the POTY Award, two Literary Titan Awards, the Reader Views Award, and two American Book Fest Awards. ___________________________ For More on Tom Marks Coming of Age in Retirement: An Advertising Executive’s Story of Revelation and Enlightenment The Peaceful Retiree ____________________________ Podcast Conversations You May Like Retiring: Creating a Life That Works for You – Teresa Amabile The Good Life – Marc Schulz, PhD Make Your Next Years Your Best Years – Harry Agress, MD _____________________________ I'm Just Asking for a Friend Retirement brings so many tough questions. Share your question to be answered in an upcoming retirement podcast episode. Click here to leave a voice message or send me an email at joec@retirementwisdom.com _____________________________ About The Retirement Wisdom Podcast There are many podcasts on retirement, often hosted by financial advisors with their own financial motives, that cover the money side of the street. This podcast is different. You'll get smarter about the investment decisions you'll make about the most important asset you'll have in retirement: your time. About Retirement Wisdom I help people who are retiring, but aren't quite done yet, discover what's next and build their custom version of their next life. A meaningful retirement doesn't just happen by accident. Schedule a call today to discuss how the Designing Your Life process created by Bill Burnett & Dave Evans can help you make your life in retirement a great one — on your own terms. About Your Podcast Host Joe Casey is an executive coach who helps people design their next life after their primary career and create their version of The Multipurpose Retirement.™ He created his own next chapter after a 26-year career at Merrill Lynch, where he was Senior Vice President and Head of HR for Global Markets & Investment Banking. Joe has earned Master's degrees from the University of Southern California in Gerontology (at age 60), the University of Pennsylvania, and Middlesex University (UK), a BA in Psychology from the University of Massachusetts at Amherst, and his coaching certification from Columbia University. In addition to his work with clients, Joe hosts The Retirement Wisdom Podcast, ranked in the top 1% globally in popularity by Listen Notes, with over 1.6 million downloads. Business Insider recognized Joe as one of 23 innovative coaches who are making a difference. He's the author of Win the Retirement Game: How to Outsmart the 9 Forces Trying to Steal Your Joy. ______________________________ Wise Quotes On the Identity Crisis in Retirement “Who are we after we are once who we were? And so I had to let go of that stuff. I had to let go of working with these people… But I let go of the things I really like to do, which was write and direct TV commercials… But that was probably the hardest thing to let go. And I still find myself, Joe, thinking about that, those days.” On “The Do-Over” “We are entitled to the satchel of do-overs, but we are not entitled to a do-over of a do-over. We can make the mistake and we shouldn’t be hard on ourselves, but we’ve got to move past it.” On Miserable Retirees “I tried to understand why people would be so unhappy and actually miserable in retirement. And it wasn’t that they woke up on the wrong side of the bed. They woke up on the wrong side of life.” On the Danger of Possessions “Most of that stuff are possessions. But, you know, they accumulate and they just become baggage. And there is so much research that tells us that as much as we chase this stuff, it doesn’t define happiness because the goalposts just move further and further away.”

These “flying” spiders are big and generally creepy (but harmless to humans). And they're expected to return to places like Pennsylvania next year.

Join the C3 crew as they react to the Carolina Panthers taking on the Los Angeles Rams in Bank of America Stadium for week 13 of the NFL season!

Welcome to Monsters on the Edge, a show exploring creatures at the edge of our reality in forests, cities, skies, and waters. We examine these creatures and talk to the researchers studying them.Mr. Guerra is the founder of The Ropen Network and a lead journalist contributor with CC Media, where he conducts ongoing field investigations into cryptozoological and paranormal phenomena — with a special focus on the modern pterosaur phenomenon, including eyewitness reports of “Ropens” across the globe. With over 26 years of experience in both cryptozoology and parapsychology, Jake has carried out extensive research and field interviews throughout the Americas, exploring encounters with mysterious creatures and unexplained events. Beyond the field, he brings a diverse professional background as a laboratory technician, legislative aide of 11 years, legal translator, and field interviewer, all of which strengthen his methodical and multidisciplinary approach to investigation. His work seeks to bridge the gap between eyewitness testimony, scientific analysis, and cultural understanding in the study of the unknown.Facebookhttps://www.facebook.com/RopenNetworkYouTubehttps://www.youtube.com/@RopenNetworkPodcasthttps://creators.spotify.com/pod/profile/jake-s-guerraClick that play button, and let's unravel the mysteries of the UNTOLD! Remember to like, share, and subscribe to our channel to stay updated on all the latest discoveries and adventures. See you there!Join Barnaby Jones each Monday on the Untold Radio Network Live at 12pm Central – 10am Pacific and 1pm Eastern. Come and Join the live discussion next week. Please subscribe.We have ten different Professional Podcasts on all the things you like. New favorite shows drop each day only on the UNTOLD RADIO NETWORKTo find out more about Barnaby Jones and his team, (Cryptids, Anomalies, and the Paranormal Society) visit their website www.WisconsinCAPS.comMake sure you share and Subscribe to the CAPS YouTube Channel as wellhttps://www.youtube.com/channel/UCs7ifB9Ur7x2C3VqTzVmjNQ

In this episode of Talk of Fame, Kylie Montigney chats with Linda O'Boyle Zaneski. Linda is a former Miss Pennsylvania who took home a community service and talent award at the Miss America Pageant in 1991. She was Mrs. Pennsylvania United States in 1996 and was a top 15 finalist in Las Vegas. She was Mrs. Pennsylvania International 2022 before retiring from the competitive pageant world. She has been a certified pageant judge, director, contestant and loved many years of being a pageant mom. She remains proud that she was the Pittston Tomato Festival Queen in 1988! Linda has been recognized for over 38 years of volunteer service with the Alzheimer's Association and currently sits on the Governor's State Task Force for Alzheimer's. She is a certified Dementia Champion and a three time Walk Chairperson. She continues to serve on the NEPA Walk to End Alzheimer's and fundraises for her team. Again, this year, she reached Grand Champion status by raising money from her annual Duck Derby and through sales of her latest children's book- A Walk for GG Lou. Linda is also very active with Lions Clubs International- the largest service organization in the world. She has served in many positions at the club level, including Club President and Club Secretary. She served as the District 14-W (Luzerne County) District Governor in 2022- 2023 and is currently the State Council Chairperson for 2023-24. She has received several awards for her service including the International Presidential Medal for Leadership- the second highest award in International Lions. Professionally, Linda is employed by the US Dept of Veteran Affairs and is a National Program Manager for Facility Based Care in the office of Geriatrics and Extended Care. She earned her Doctorate in Nursing and two Masters degrees- one in Health Care Administration and one in Nursing. She has earned 3 certifications (gerontological nursing, case management and Certification as a Dementia Care Specialist) She also maintains an active nursing home administrator license. Linda is an adjunct professor at Wilkes University in the School of Nursing. Linda resides in Edwardsville with her husband Stan. They have 2 children, Rebecca, who earned her Masters in Organizational Management in Healthcare from Misericordia University in 2020; and Stanley, who earned his Master's Degree in Business Management from Ithaca College in New York in 2022.Listen in as we discuss Linda's Mrs. Pennsylvania journey. You'll be inspired by her dedication to inspiring others through her experience as Mrs. Pennsylvania and her work with Alzheimer's. Follow Me:Instagram:@Officialkyliemontigney@TalkoffamepodFacebook:OfficialkyliemontigneyTalkoffameTwitter:@Kyliemontigney4About Me:Hi, I'm Kylie! I'm passionate about sports, spending time with family, traveling, and connecting with people who inspire me. I love listening to people's stories and sharing their journeys with the world!

Join Andy Cumpstey and Kate Leslie in this broadcast from the ANESTHESIOLOGY® 2025 meeting. They welcome guests Stacie G. Deiner, an anesthesiologist, professor and vice-chair for research at Dartmouth Hitchcock Medical Center and Mark D. Neuman, anesthesiologist and Horatio C. Wood Professor of Anesthesiology at the Perelman School of Medicine at the University of Pennsylvania. We discuss the new ASA guidelines for older adults. The episode delves into the development, significant recommendations, and implementation of these guidelines, emphasizing the importance of preoperative evaluation and the choice of anesthesia technique. Mark and Stacie also highlight ongoing research and the future of perioperative care for older adults. This conversation underscores the role of shared decision-making and proactive health measures in improving surgical outcomes. The ASA guideline can be found here: https://www.asahq.org/standards-and-practice-parameters/practice-advisory-perioperative-care-of-older-adults-scheduled-for-inpatient-surgery The REGAIN study can be found here: https://www.nejm.org/doi/full/10.1056/NEJMoa2113514

Join us for a PRessing On in Public Relations conversation with Lindsay Hughes, founder of Tapped In Public Relations, where she helps water utilities and public agencies build trust and communicate their value to the communities they serve. With over 15 years of experience in strategic communications, Lindsay has led PR efforts across nonprofit, tech, and municipal sectors—most recently spending a decade at North Penn Water Authority, where she built the communications function from the ground up. She's managed crisis communications, launched social media channels, led earned media campaigns, and prepared executives for high-stakes public appearances. Her work has earned recognition from the Pennsylvania Municipal Authorities Association, including two Community Outreach Awards in 2024. Through Tapped In PR, Lindsay combines traditional PR expertise with modern tools—including AI—to help utilities move beyond reactive messaging. She's also the co-host of the Authorities On Air podcast, where she educates the public about municipal authorities in Pennsylvania.Tune in for real stories, practical advice, and a dose of PR inspiration. Like, share, and subscribe wherever you get your podcasts! ----------------------------------------------------------------- To track down Lindsay visit: www.linkedin.com/in/lindsayhughestipr www.tappedinpr.com   For more information on the PRessing On podcast visit PRressingOnPodcast.com or instagram.com/pressingoninpr/ RMGComm.com DeGravePR.com

In this powerful new episode of Manager Minute, host Carol Pankow sits down with renowned researcher and educator Dr. Jim Herbert to unpack one of the most urgent challenges in vocational rehabilitation today: counselor turnover and retention. Drawing from his brand-new national study on RSA-funded personnel, Jim breaks down the real factors that influence whether VR counselors intend to stay — or walk away. From organizational support and supervisor relationships to workload, generational values, and work–life balance, Jim reveals why retention is a "whole system issue," not a single-variable problem. He also shares bold, practical solutions for VR agencies, including flexible scheduling, paid internships, rehiring retirees, strengthening supervision practices, and his attention-grabbing recommendation of a 32-hour workweek at full pay. As a new partner with the VRTAC, Jim also previews upcoming national recruitment and retention initiatives — including a new toolkit for VR HR teams and direct clinical supervision work with a selected state VR agency. This is an episode every VR director, supervisor, and counselor needs to hear. Listen now and join the conversation about the future of the VR workforce.   Listen Here   Full Transcript:   {Music} Jim: Supervisors play an understated but really critical role in the relationship with their counselors and how that contributes to them staying or leaving. What I suggested was moving to a four day, 32 hour workweek at the same pay. What are you doing to try to address this? What's working for you, and then be able to kind of put that in a toolkit or a resource? We want to share that nationwide. So I'm looking for a state VR agency of supervisors and say, yep, let's tangle with that academic from Penn State. Let's do it.   {Music} Intro Voice: Manager Minute, brought to you by the Vocational Rehabilitation Technical Assistance Center. Conversations powered by VR. One manager at a time, one minute at a time. Here is your host, Carol Pankow.   Carol: Well, welcome to the manager minute. Joining me in the studio today is Doctor Jim Herbert. Jim's a long time researcher, educator and advocate for the field of rehabilitation counseling, and I'm thrilled to share that he will also be working with us on the VRTAC grant in some exciting new recruitment and retention efforts. And today, we get to talk not only about Jim's earlier research on counselor turnover, but also his brand new national study on the long term effectiveness of RSA training and what predicts whether VR personnel intend to stay or leave. So, Jim, this makes me laugh to ask you this. How are things going in your retirement?   Jim: That's right. Yes. As you know, I recently retired, quote unquote, effective July 1st. I'll just tell you that I'm in what they refer to as the honeymoon phase. So basically it's like, oh, I love it. So while I continue to do academic work, such as the project that we're working with you guys on, I'm really super busy with nonacademic projects like gardening and landscaping. And as you saw, we just got a new puppy who consumes quite a lot of my time, so it's going wonderful.   Carol: I love it, I just have to chuckle because you are the busiest retired guy I know, so we were glad we could snag you.   Jim: I'm glad to be snagged.   Carol: That's awesome. So today we're going to dive into a topic that hits close to home for every VR professional. Why rehabilitation counselors leave the field, and what keeps others committed for the long haul. So let's start by imagining a counselor with a full caseload, endless paperwork, competing demands someone who came into this work to make a difference, but they're now struggling to stay motivated. What makes some counselors walk away while others find ways to stay the course? So let's dig into your work. So, Jim, what first drew you to studying counselor retention and turnover in VR?   Jim: Well, as we'll discuss a little bit further, everything else in terms of VR and my work in VR, I have a long history and frankly, a long affection for state counsellors. 40 some years ago when I got into this field, I got to work with a lot of VR counselors and I have so much respect for them in the work that they do. And over the last couple of decades in particular, things are becoming increasingly more and more difficult. And so as we'll  talk a little bit, maybe we can get into like your first questions about, well, which I think is a critical one, like, well, why is it that some counselors stay and why do others leave? And so, you know, when you look at that a little bit and feel free to interrupt me because, you know, many academicians, we tend to be a little bit long-winded.   Carol: You're a talker, Jim.   Jim: There you go. So, you know, when you look at it, it's really a combination of individual and situational factors. You know, when you ask counselors, well what attracted you to this? And I think people get drawn into the profession because they want to make a difference. They see people that need help and they feel like, hey, I'm in a position maybe I can offer support or direction and services can make a difference in their lives. So I think that's a big part of it. And then also as a result of that, why they get into that field, I think what happens is over the years, things start to change. They start thinking like, geez, you know what? I thought I got into this field, the job was going to be this way. And really now what I'm finding is it's not that way, or what happens is the thing that drew me in terms of the interaction with people and making the impact. I find myself spending more time with the documentation process and all the rules and regulations, and not as much time to really that I would like to having that one on one contact with people. So I think what happens is their job, their satisfaction changes as a function of kind of, you know, over that period. The other thing I'll just say to expand on why some people stay and why they walk away. I think one of the things in the beginning, especially with new counselors, their knowledge about the world of work and the job as a state VR counselor.   They have a different understanding of what that's all involve. Okay. And one of the things that I think is important to, particularly those individuals, maybe in your audience who are thinking about being a rehab counselor, either switching in or pursuing training. One of the things that I try to stress with my students is make sure you get lots of experience. So while you're going to school and getting your education, do that volunteer work. Do a practicum. Do an internship with a state VR agency. I've said this a thousand, but certainly lots of times I'll say you'll learn more in the field from any lecture that I'm going to give or any rehab professor. So I think what happens with particularly newer counselors, they have a limited understanding about what is this job about and what do you need to do to be a successful rehab. So we only know what we know. So their expectations, I think they get a little disillusioned. A second thing though, as I said, the work of a VR counselor counselor's tough stuff. You know, you look at the research over the decades about things that impact rehab counselors decision and what is the things that they don't like. So lower salaries, comparison to other kind of counseling positions, high caseloads, the paperwork, lack of supervisory support, particularly in the area of clinical supervision.   And we get a chance. I can talk about that a little bit further. There's also, I think, an incongruity between what a counselor has interest in their needs and what they're motivated by and what exists in the work environment. Those factors definitely contribute to work satisfaction. And the other thing we can talk about this in terms of our study, lack of autonomy, the inflexibility, you know, with work schedule and then obviously, you know, kind of personal reasons. So you've got all these factors that counselors have to have some resiliency to try to navigate all these kinds of challenges. And I think that's the key difference. What is it that counselor a can because they all have all these same challenges. Why is a say I can negotiate this whereas counselor B and I can't do that. And I think that probably over simplistic explanation is there is a resiliency for that. Counselors like I can take all of these and then I can look at yep, these are problems. But these other things still are important to me. And I can still kind of navigate that. And then the final thing, and I've become more and more aware of it over the last couple years, multi-generational workforce. So people are living longer. I mean, I, you know, I'm a baby boomer. I think technically I think I'm a late baby boomer, but so basically I'm ancient.   But we have people, you have the Gen Z, and I think that's the group from 97 to 2012. You got the millennials born, you know, 81, 86. You got the Gen Xers and those when you talk with people from different generations. When I talk with my students who mostly the Gen Z millennial type. They have a different view about the world of work. And basically if I had and again, this I don't mean to stereotype, but I think there's some validity in this. And I have a son who's 28 years old and he'll say, dad, you work too damn hard. And so the thing is, is like what he's saying is, and I think others of his generation, there's more to life than work. And so when I look at work, while that's important, I don't have the same kind of importance necessary that you might attach to it. And in fact, what I'm really looking for is a better balance, work life balance. And this is where state VR agencies, I think, kind of fall down because we need to kind of how do we kind of create that better balance so that we have, particularly the younger ones who we invest a lot of money, effort, we want to retain them. We don't want to lose them. So that's probably more than what you wanted.   Carol: It's all good. I have a 28 year old son, too, and we just had this conversation yesterday about work life balance, and I just said how lucky he was to work for a company coming right out of college where he was getting five weeks of vacation a year.   Jim: Yes.   Carol: And I talked to him like when I first started my first five years with the state. You got two weeks? Yeah. And it wasn't until five years you got a little more. And now you can get, like, two and a half or something. It was something horrible like that. But that view that this generation has, it is I think it's healthier, actually, than what we all did. We just put up with some pretty miserable. Yes. Working situations?   Jim: Yes. Absolutely. You're correct.   Carol: Can you walk us through the big picture, what your study set out to understand and why it's so important right now?   Jim: Yeah, yeah, yeah. I like your phrase of the big picture. So let me see if I can cut to the chase. Maybe. And so I mentioned a little bit earlier that my work began here a couple of years ago as a result of kind of a pilot study. But basically I was interested because RSA provides a lot of funding for people trying to work as rehab counselors. But my pilot study about 4 or 5 years ago. So the big picture, to put it simply, is we got to do a better job of screening people who are interested in doing this work. And once we do that, we have to do everything we can to make sure that they continue in that. So my research basically is trying to well, let's dive into that and figure out why is it who stays and who leaves.   Carol: So what did your research reveal about the biggest factors that predict whether the counselor stays or leaves?   Jim: Yeah, yeah. All right. Now this one's going to be a little bit more detail a little bit more, uh, hopefully not convoluted.   Carol: For lay people Jim Lay people.   Jim: Yes. That's right. Exactly. Yeah, yeah. So without diving too much in statistical models and all that kind of stuff, basically what we were trying to figure out is this if we ask a rehab counselor, are you planning to stay for the next 12 months. Are you planning to leave? So we use that as kind of. Our big question is who's likely to say yes, I'm planning to stay or no, I'm planning to leave in 12 months. So we developed based on the literature that we saw, a hypothetical model that we said essentially this the amount that an organization supports their employees. So what is it that in this case, what is it that the state VR agency does that is designed not only to benefit the organization but also benefit the worker. So providing them with a decent salary, benefits, training, the opportunity for telework, telecommuting, flexible work hours, greater contact with clients. So we said, okay, well, that we know from the literature that seems to be kind of an important component. We also know from and this is work that I've done over the last couple of decades, supervisors play, in my opinion, an understated but really critical role in the relationship with their counselors and how that contributes to them staying or leaving.   And so the degree and type of supervisor support we felt, well, that will impact the employees perception of their jobs, whether they like their jobs, the career opportunities that exist within the agencies, and help them develop the skills that they'll need to grow to move on. So you've got supervisor support, you've got organizational career support. But we said, well, are there any other things? How does that kind of impact. And what we found was, well, we know that if you have a I'll just say for lack of a better simplified way to look at it, a supportive work culture that includes, you know, the supervisor that we know that that can impact the counselors hopefulness about their jobs and the level of engagement that they have. So the degree of vigor, if you will, the dedication that the worker performs, which also impacts job satisfaction. So our conceptual model basically says, well, if we could understand the complex relationship between all of the kinds of organizational supports of which there are many and we haven't identified, but just using that general term, the perceptions of how our individual council feels that they're doing in that job, the degree of satisfaction they get from it, and the amount of supervision, the level type of supervision supervisor provides.   If all those factors are positive, if you will, they're more likely to stay as opposed to if they find the organization not supportive. They don't have a supervisor who's supportive, they don't feel engaged in the work that they do. So that's basically kind of what our model and what we found was that that combination of Organization support being hopeful about the job that I do. Having a supportive supervisor that promotes work engagement. Let me just use this analogy. If I had a pizza pie that said, this pizza pie represents all of people's intention to leave. Okay, well, what I just said that was if you have good support, organization supervisor, you're engaged. Half of that pizza pie is attributed to those factors. So that's a lot of pizza. All right. That's a big part of it. So what that means is if we think about for state VR agencies, what is it that we do as an organization that tries to promote that kind of support? What do we do in terms of our supervisors that are engaging with their councils and provide that kind of support? If we can take a look at those factors, then we're more likely for those counselors say, you know what, I'm going to stick around.   Carol: So did you have any findings that surprised you?   Jim: Yeah, there were a couple of things. One of the things I know we're talking about state voc rehab. Our study of 1000 rehab counselors did not only address state VR, but also those in private for practice proprietary public nonprofit agencies and facilities. We also looked at counselors and administrators. So we're kind of interested in, well, is the intent to leave the same regardless of what your job title? In other words, does a counselor sort of have a different kind of intent than a supervisor, than an administrator? And we're also interested in well, does a counselor's intent vary as a function of the work settings? So in other words, our state VR counsel is more likely to express an intent to leave than those in private for practice rehab or nonprofit rehab. And basically what we found was when you look at all those outcome variables that we talked about work engagement, career support, job satisfaction, supervisor support, reasons for leaving, reasons for staying. When we look at that, what we found, and this was somewhat surprising to me, we found that there's really no difference whether across setting or job type. So in other words, the factors that motivate someone to stay or to leave are pretty much the same, regardless of your work setting or your job title. So that to me was a little bit surprising, because in my conversations and talking with counselors at various settings, somehow I always, I guess going into this truthfully, I was expecting that there would be a difference and particularly be more dissatisfaction with state VR than the other settings. And what we found was that's not the case. So the reasons for staying or leaving are essentially the same across settings and work title. So I just raised this finding because I think state VR unfairly receives criticism that their work environments particularly challenging and trying to retain workers. So I'll just say that every work setting has its own unique aspects to it.   Carol: Yeah, the grass is not always greener. You always think that. And I have found over time, like working with people where you have that grass is greener mentality. No matter where they go, they always run into the same issues, no matter where they've changed the job. There's some people I've known for several decades who have always been kind of unhappy in the current setting, and they go to the new one and they're happy for a hot minute, but then they're unhappy there, too. So it's kind of more about them and whatever they're bringing to that or how they relate to those new jobs. It's so interesting. That strikes me as an interesting finding.   Jim: Yeah, a lot of this was gleaned from interactions and stories and things that I heard from counselors, like, why do you stay? Why do you leave? And again, to me it's just amazing Easing that the similarity that exists. So clearly, while there's some nuances that, you know, a counselor will complain about large caseloads or noncompetitive salaries, limited schedule and flexibility, those kinds of things. One of the things that while there are some differences in terms as you move up the career ladder, if you will, as an administrator, maybe a little bit different, but the role of the supervisor, I think this was another thing that was a little bit I kind of knew, but it really reinforced it was how important their role is in contributing to the work climate of the counselor. And like I've said to the supervisors, and I've trained a lot of folks across the country, counselor job is tough. Supervisor's job is way tough because they have a lot of times. And what's happening now with the vacancies, the supervisors are now asked to pick up caseloads of counselors. So not only do they have to do the job of managing 5 to 10 counselors, now they have components, so it makes it really difficult. And I think when I listen to the stories, those are the things that kind of like really strike me as unfortunately, I think just getting tougher and tougher each year.   Carol: 100%, kind of in reading some of your information and you go, okay, yeah. You think the counselor, all right, now they're going to be the supervisor. And it's going to be better and easier somehow easier. And it's not like they just realize how exponentially the job gets so much tougher. It doesn't necessarily get better. You might get paid a little more as you move up the food chain, but the work gets more complex, and then you're dealing with all the people part of the job.   Jim: Absolutely. And you really hit it on. An important part is that unfortunately, most super like I do training in clinical supervision. So basically I train supervisors how to help their counselors become better counselors and the relationship they have with their clients. But what you find is, I'd say 99% of the supervisors that I've worked with, what do they know about clinical supervision? And, well, really not too much. And well, why is that? Because they didn't get that in their training. So they'll get all about the administrative components, the policies and procedures. And that's important. But how do you help your counselor with the relationship that they have with their individual customers? That relationship is so critical because if that relationship isn't positive, you're going to have a poor voc rehab outcome.   Carol: Well, and those supervisors may have also not been you know, they didn't get any sort of clinical supervision when they were a counselor, so they moved to supervisor. It's not like they magically had that appear somewhere, right? So they don't have no frame of reference on how to even do that.   Jim: Yeah, you're absolutely correct.   Carol: So I know you stated, so some VR counselors, the state VR counselors, you know, they report more stress and paperwork, but yet they still find satisfaction in stay. So what distinguishes that? Like what distinguishes those who stay from those who leave.   Jim: Yeah, yeah. Well, this gets to the earlier thing. We were kind of talking a little bit about the issue about resiliency, the issue about when the stresses of the job, when things are happening, sometimes will happen. Counselors will kind of take that on and they pay kind of a high emotional price, the investment with that. And so it's the counselor who can kind of keep that in check, cannot sort of internalize that. I can still do good work. Yes. It would be nice if I had lower case loads. Yes, it'd be nice if I got more money. Yes, it would be nice if this and that changed. So I think we talked a little bit about this earlier, but I think what really kind of differentiates those two counselors is just that ability to not kind of internalize that and as a result, still able to kind of negotiate the things that are necessary to move the client forward. Because if you kind of take all this in, you know, you go home at the end of the day, you're just kind of wiped. And so that's really to me, kind of a key component.   Carol: Do you think that's something that can be taught like, or is that kind of how people are? That's the thing I wonder, like, Can you really teach someone how to, like, not get so emotionally involved into the situation? I mean, I suppose there's some techniques or something, but yeah, it might very well be just kind of the person you are and how you respond to things around you just in your life overall.   Jim: Right. Yeah, that's a good point. And some would certainly say, and there's something to be said, sort of the nature nurture environment kind of issue. Yeah. There's clearly people that in terms of just kind of their makeup, this is how they, you know, they just they see the world half full, the glass is half full. I had a clerical person years and was the most upbeat. In fact, I used to call her Susie Sunshine. It's like no matter what, she just didn't get down. And I thought, is this for real? Are you on some sort of happy? What's this all about? So that's there's a part of that. But yes, it can be taught. And so a lot of it is, you know, in terms of our behaviors as well, how's that influence its influence in our thinking. So you can get very catastrophic. Like, you know, I got a caseload of 150. I'm stressed. You know, I can't get to all my clients. And, you know, I should be able to, you know, answer them within a 24 hour period. And if somebody asks to see me, I should be. Yeah. Well, there's a lot of things that you should. And yes, it would be nice, but you have to kind of ask yourself, given the resources that I have, I have to be realistic about this. And so it sounds maybe a little trite, but in some ways it's kind of like, you know, you got to cut yourself some slack. You have to kind of say, yes, if I had 25 clients, yes, life would be different, but I don't. Sometimes you can explain this to your consumers and sometimes, yeah, they get it. In other cases it's not. But you can't let that define who you are because if you do, you're setting yourself up for unrealistic expectations which aren't going to be fulfilled. So you're going to be kind of frustrated and yeah, probably leave the organization. You know, I was like, hey, this isn't for me.   Carol: So it's really a practice thing. I mean, it's probably a time thing and a practice to kind.   Jim: Of has to be. Yeah, it has to be intentional. And this is where in terms of a good supervisor working with the council, it's like, you know, boy, you seem kind of, you know, really stressed. What's that about? What's going on. What's the belief system that you're operating from. What are your expectations you're placing on yourself? And sometimes it seems so obvious to the outsider. And I can just say in my own personal life, I mean, how many times is like, you know, hey, this is really obvious to somebody else. she's new news to me.   Carol: Yeah.   Jim: sometimes. Yeah. You gotta have that outside perspective to kind of like, let's take a look about what? What are those messages you're telling yourself? And are they realistic?   Carol: Right. What do you think are the most actionable steps that VR agencies can take right now?   Jim: Well, I wanted to give a shout out to a couple scholars. Yes, I've done some work in this. Doctor Landon from Utah State has done some work in this. Doctor Wu from northeastern Illinois, doctor McFarland from San Diego State. Yes, I know Fred's retired, but you know his legacy. So besides my own work, those folks, if you look at some of their work and my work and the team that I've worked with, there's a couple things. And this is like a long, long list because I started kind of writing a few things out here. The obvious thing is offer competitive salaries, but given the historical and current climate, it doesn't bode well for states are going to say, oh, we're going to increase your budget by 15% or 20%, which would allow you to hire more counselors at a competitive rate. So with that being said, I proposed at a CSAVR conference a couple years ago what seemed to be kind of a radical recommendation. Let me start with the most radical thing first, and then we'll get into some other. So the radical thing that I proposed was I recommended that we move from a five day to a four day workweek. Now, I'm not talking about 40 hours, ten hours a day, four days of work. Because remember, we're talking about the culture and the climate. So working those extra two hours every day is like, well, yeah, I'd have a day off, but is that really going to be meaningful? So given that states a lot of times don't have as much influence in their budget, what I suggested was moving to a four day, 32 hour workweek at the same pay. Now, I can imagine some of you...   Carol: Heads blew up, They did, yeah.   Jim: Yeah. That's right. Yeah, exactly. Like, who is this academic? What the heck does he know? So before you discount that, let me just kind of invite those that might push back on that and say, well, just for a moment, just indulge me. Just say like, well, let's just say if we did that. Okay. Well, first off, I would offer that the average work week, I think, for most state VR counselors is 37.5, so it's not really technically 40 hours of work. You'll remember my earlier comments about the younger generational workers. They want to see that kind of work life balance. So having greater time to devote to myself, my family, recreation, other pursuits, those become increasingly important. And again, I'll just offer this. We didn't talk about this as a result in the study, but if you need any further evidence of the support for this recommendation, one of the research questions that we asked an ancillary one, but we basically asked them about what are your thoughts or feelings about a 32 hour workweek? And we looked at intent to leave and surprise, surprise, yeah, that was a significant predictor in terms of yeah, that would cause me to stay.   All right. Let's unpack this a little bit further. I would offer to the State Council because again, we know what we know. We've always been 40 hours a week. And as I talked at the conference and I wrote in a Journal of Rehab article, you know, before the work week used to be 50, 60 hours a week, that was normal. You work Saturdays. All right. And it wasn't until Henry Ford said, you know what? Maybe we gotta rethink this thing. And, you know, he was proposing. Let's move to a 40 hour. Well, that was just heresy, because we just knew what we knew. So when we asked counselors and supervisors how much of an impact a 32 hour work week with no salary reduction, 75% of counselors and supervisors say that has a significant or very significant influence in me remaining on their jobs. My thought is, given we're not going to get more tip, most likely not a whole influx in terms of additional revenue for states. What can we control? Is this something that we can control? So that's like my radical. Okay.   Carol: Yeah. You're Henry Ford now Jim.   Jim: Yeah, I'm Henry Ford.   Carol: I love it, I love it.   Jim: I wish I was, at least I wish I was. I wish I was a descendant of Henry. so a less controversial recommendation. And frankly, it's funny because I see us kind of going back now and not in a good way. State VR agencies, while they offer telework, there are more and more state VR agencies are kind of like, well, let's get back to the good old days. Well, first off, I'm not sure that was kind of the good old days. I mean, clearly the pandemic contributed to a major societal change about rethinking about our work schedule. Before that, if council said, hey, I'd like to stay at home for about three days a week and do my work. They'd say, that ain't happening. And so actually, what we find is, yes, you can do this job from home. And, you know, we have the markers, the accountability in terms of our statuses and, you know, the progress that you're making. So I mean, that's the bottom line. Are you getting closed successful rehabilitations with your clients. But now kind of what's happening is that we seems, at least what I've heard through talking with counselors and supervisors throughout the United States is there seems to be kind of a return of offering on site rehabilitation services. You know, that's something that I would ask us to really kind of take a look at that, and not only in terms of the telework, but let's think about the work flexibility. How often do we offer our counselors part time work or even evening hours? A lot of people retiring. That's a tremendous amount of experience that's going out the door. And you just wonder sometimes like, okay, so you want to retire. Great. Wonderful. But well, it's kind of like that's kind of what happened.   Carol: That's what happened to you, Jim.   Jim: That's right. So then the thing is kind of say, well, what if you work part time? What if you work X amount of hours a day or a week or whatever? So rehiring maybe recently retired workers. And again, let's focus on those that had proven track records. So, hey, they're a great rehab counselors and, yeah, we'd like to have them back. That's something could be done. Another thing that I think that could be done, and we used to do this in Pennsylvania, and unfortunately, it's at least as far as I know, we're not currently doing it. And if we are. My apologies to Povor, but provide paid internships and if possible, offer employee benefits to graduate students who complete their clinical internships with the state VR agency. And the great thing about this from a state VR, you get to see, you know, when you interview and screen, a candidate, maybe you spend an hour or two with them. That's a lot different from seeing somebody five days a week over a, you know, five, six month period. You got a lot of information about this person. And also you have then kind of a buy in from them like, yeah, this gives me some idea about what this job is all about. So you know, doing that and I know in Pennsylvania historically, they would hold back some of their training dollars to help kind of support that.   Maybe that's something could we look at? If we do? Just a little ancillary comment I'd make. Students graduate in May, August and December. So if you can somehow when you know, like, okay, we're going to have a vacancy, it'd be wonderful if you can kind of coordinate that with the times they graduate. So if, you know, for example, someone's going to retire and maybe they're going to retire in May rather than waiting May to start that job search, maybe start that job search March or April. And then because of the two months, oftentimes it takes to go through the screening and all the documentation and all that, then you can kind of coincide that, you know, and target it with those dates. Because I've had a number of students say, yeah, I'd like to work for the state VR, but I'm not waiting around 2 or 3 months. I need to get a job. I need to start making some money. So related to that, another recommendation I have is and some states are doing this trying to reexamine their screening procedure. So let's take a look and say look, what can we do to reduce the time between when we know a vacancy exists and the time of hire. So, as I said, most people, whether you're a student or not, unless you're currently working, you can't wait for 2 or 3 months.   Other things that they could do is, you know, we talked earlier about the importance of the work climate. You know, we've got to monitor that. So we said that one's intention to leave that's mitigated based on whether the counselor feels they're engaged in that process. So that's an important predictor. And as it relates to that specific variable it's about 40%. Well that's a big deal. So the message is if I feel engaged in this process I'm more likely, more likely to stay. So we talked also about the role of the supervisor and how a lot of supervisors, unfortunately, while they do really great on the administrative components, the clinical components, the sit down with the counselor and let's take a look at your relationships with your clients and what I can do to try to help you to have a good, effective working relationship because I know if the counselor has that relationship with you, they're going to be more likely to get successful rehab. So constant assessment about what's going on now, how can we do that better? And, you know, through maybe stay interviews or, or even exit interviews to find out what did we do wrong. Is there anything we could do better? It's difficult because we have to be able to hear kind of things that maybe we don't like to hear.   Carol: We don't like to hear.   Jim: Yeah. And as you know, that's kind of a big part of where we're going in terms of my work with you guys.   Carol: Yes. So on that note, you are going to be working with the new VRTAC and some recruitment retention pieces. So you want to talk a little bit about that. What that works going to look like.   Jim: Yeah yeah yeah. And you know sometimes somebody said yes I'm very excited. And no you're not. No I actually I am very excited about this work and I really feel very fortunate. You guys offer me the opportunity to partner with you. So building on some of the stuff, we talked a little bit about, one of the things that we plan to do is develop this toolkit. And basically what that means is we're hoping to provide a resource for human resource managers, in particular, who work in the state VR program to try to help them and also state VR leadership teams, but also to help them address kind of the recruitment and retention problems that have been so well documented over the years. So I've begun looking at some of the existing literature as a way to kind of framework. Okay, so we've talked about a lot of this already. What is it that predicts who's going to stay? Who's going to leave? We haven't talked too much about the recruitment aspect, but that's another thing that we're going to address to say, okay, what do we know already in terms of the literature? But that's only a part of it. And the other thing that I'm really kind of excited about is the opportunity to work with the HR Resource Professional Group, professional teams. John Walsh I know has been involved with that as well. And basically what I'm hoping to do is because I know when you talk with states leadership team, sometimes a state will be doing something. I'm getting excited. Just kind of talk about I can't even get my words out.   They'll be doing something you think, man, you know, that is really cool. That's a great idea. Yeah. I wonder how nobody else, you know, knows about that. So it's amazing to me kind of the creativity that people have, but they just don't know about it. And so what I'm hoping to do is engage in a series of kind of focus groups, questions that gets to that, like not just what are the problems. I think we have a pretty good handle on that. But then what solutions? What are you doing to try to address this, what's working for you, and then be able to kind of put that in a toolkit or a resource that all states can use. So from the collective experiences from the various state VR agencies, we want to share that nationwide. And if everything goes according to plan, we're hoping to have that available in about a year, I think.   Carol: Yeah, a little less than a year.   Jim: Oh, a little.   Carol: Okay, a little less Jim. Let's see.   Jim: Okay.   Carol: Reining it in.   Jim: Yes, yes.   Carol: And then the other fun thing, you'll get to work with a state.   Jim: That's right. Thank you. The other component I've done clinical supervision training for about 12 different states. And I've met with each over the last probably 15 years. Each time I do it, I refine it a little better, a little better. And so I think I've got things down pretty good now. So I'm really interested now to work with the state to try to help their supervisors to work more effectively with their counselors, and in particular, how can I help supervisors to help their counselors become more effective as a counselor? And I have four kind of group supervision approaches that I know from. My research has proven pretty effective. So I'm looking for a state VR agency of supervisor and say, yep, let's tangle with that academic from Penn State. Let's do it. So that's the other component to it as well. Yes.   Carol: Yeah, we're really excited about that work. So Jim, thanks again for joining us on the manager minute. I really appreciate you being here. And for our listeners, if Jim has said something that is sparking your interest, especially with some work he's going to do with the VRTAC, please do reach out to us if you are interested in that for your agency. And until next time, everyone keep doing the great work that changes lives. Appreciate you. Have a great day!   {Music} Outro Voice: Conversations powered by VR. One manager at a time. One minute at a time. Brought to you by the VRTAC. Catch all of our podcast episodes by subscribing on Apple Podcasts, Google Podcasts, or wherever you listen to podcasts. Thanks for listening.

This Day in Legal History: Rosa Parks ArrestedOn December 1, 1955, Rosa Parks was arrested in Montgomery, Alabama, for refusing to surrender her seat to a white passenger on a segregated city bus. Parks, a 42-year-old Black seamstress and longtime activist, had been sitting in the “colored” section when the driver demanded she move. Her quiet but firm defiance violated local segregation laws, which mandated racial separation in public transportation and required Black passengers to yield seats to white passengers when buses became crowded. Parks' arrest became a catalyst for the Montgomery Bus Boycott, a coordinated campaign to end racial segregation on public transit.The boycott began four days later, organized by the Montgomery Improvement Association, with a then-unknown Martin Luther King Jr. as its president. It lasted over a year, during which thousands of Black residents refused to use the city's buses, severely impacting the transit system's finances. The protest was not only a powerful act of collective resistance but also a carefully structured legal challenge. Civil rights attorneys, including Fred Gray, filed a federal lawsuit—Browder v. Gayle—on behalf of several Black women who had experienced bus segregation.In November 1956, the federal district court ruled that Montgomery's segregated bus system was unconstitutional under the Equal Protection Clause of the Fourteenth Amendment. The U.S. Supreme Court affirmed the decision, and on December 20, 1956, the boycott officially ended when the Court's ruling was implemented. Rosa Parks' arrest and the movement it sparked marked a turning point in the American civil rights struggle. Her individual act of resistance ignited a mass movement and set the stage for future legal and social change.The U.S. Supreme Court will hear a key copyright case today involving Cox Communications and several major record labels, including Sony, Warner, and Universal. The case centers on whether Cox can be held financially liable for allegedly enabling its users to illegally download music. A jury originally awarded the labels $1 billion in 2019 after finding Cox secondarily liable for over 10,000 copyright infringements, but the 4th Circuit Court of Appeals later reversed part of that decision, leading to a retrial on damages.Cox argues it shouldn't be held accountable for users' actions, warning that a ruling against it could force ISPs to terminate internet access for entire households or public institutions over alleged piracy. The company claims it reasonably handled piracy reports and criticized the notion that it failed to act. In contrast, the labels accuse Cox of ignoring thousands of infringement notices and protecting profitable repeat offenders while readily cutting off nonpaying customers.Big tech companies like Google, Amazon, and Microsoft have sided with Cox, suggesting that a ruling for the labels could harm the internet economy. Meanwhile, the Trump administration—represented by Solicitor General John Sauer—is supporting Cox's view that merely knowing about piracy isn't enough to establish liability. Industry groups in music, film, and publishing back the labels, arguing that Cox's stance threatens collaborative anti-piracy efforts. The Supreme Court's decision could reshape how ISPs respond to copyright violations.US Supreme Court to hear copyright dispute between Cox and record labels | ReutersFollowing a deadly shooting in Washington, D.C., involving an Afghan immigrant accused of killing a National Guard member, President Donald Trump has intensified efforts to restrict legal immigration. Within 48 hours of the attack, Trump paused Afghan immigration applications, launched a review of asylum approvals from the Biden era, and hinted at expanded vetting under his existing travel ban targeting 19 countries. These moves revive and build upon restrictive immigration policies from Trump's first term, now framed as necessary for national security.Critics argue the administration is exploiting a tragic but isolated incident to justify sweeping immigration rollbacks. Afghan advocacy groups stressed that Afghan immigrants undergo extensive vetting and should not be broadly blamed. While Trump and top officials suggested large-scale reforms—like ending federal benefits for non-citizens and denaturalizing those deemed a threat—federal agencies have so far announced more limited actions, such as case reviews for applicants from travel-ban countries.Legal experts warn that some of the proposed policies, including denying welfare to lawful residents and mass denaturalization, would likely be ruled unconstitutional. Nonetheless, the administration is signaling an aggressive stance, despite polls showing declining public approval of Trump's immigration policies. Meanwhile, Democrats accuse Trump of targeting law-abiding immigrants and using fear-based tactics for political gain.Trump sharpens focus on legal immigration after National Guard shooting | ReutersA federal judge's decision to ban generative AI from his chambers after an intern used it in a flawed court opinion has sparked debate over how technology should be used in the legal system. Judge Julien Neals of New Jersey attributed the error in a June ruling to a law student who used AI in violation of their school's policy, prompting Neals to prohibit AI use entirely among his staff. His response to Senator Chuck Grassley drew concern from legal academics and judges who argue that banning AI outright may be shortsighted.Proponents of AI in the judiciary say the technology, if used responsibly, could reduce case backlogs and improve efficiency amid staffing shortages. Judge Xavier Rodriguez of Texas ran an experiment comparing traditional opinion writing with AI-assisted drafting, showing significant time savings without sacrificing quality. He and others advocate for structured AI use, emphasizing vetting, fact-checking, and clear protocols to preserve judicial integrity.Magistrate Judge Allison Goddard and law professors like David Kemp suggest that instead of bans, institutions should focus on teaching students ethical and effective AI use. With many law students already accustomed to using generative AI, schools are scrambling to develop policies and training. Some institutions, like the University of Chicago Law School, have embraced AI integration, while others lag behind. The incident in Judge Neals' courtroom has become a wake-up call for courts and law schools to align on responsible AI use in legal education and practice.Judges' AI Blunders Spark Debate on Technology Use in CourtsLuigi Mangione, accused of killing UnitedHealthcare CEO Brian Thompson in a high-profile shooting outside a Manhattan hotel, appeared in court today for key pretrial hearings. The 27-year-old, arrested in December 2024, has pleaded not guilty to murder and multiple related charges in both state and federal cases. The hearings will determine whether crucial evidence—including a 3-D printed gun, silencer, and journal writings found in Mangione's backpack—can be used at trial. His defense argues that the items were obtained through an illegal search during his arrest in Pennsylvania and that statements he made to police should also be excluded.Prosecutors dispute those claims and are seeking to admit the materials, which they argue implicate Mangione in the killing. Mangione, who has gained a controversial following among critics of the U.S. healthcare system, faces life in prison if convicted of second-degree murder. In a separate federal case, prosecutors intend to seek the death penalty. Earlier in September, two terrorism charges were dismissed after a judge ruled there was insufficient evidence Mangione intended to intimidate healthcare workers or influence government policy.The hearings, overseen by Judge Gregory Carro, are expected to last through the week and include testimony from arresting officers. No trial date has yet been set, and Mangione remains in federal custody in Brooklyn.Luigi Mangione due in court for pretrial hearings over US healthcare executive's killing | Reuters This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit www.minimumcomp.com/subscribe

Alvin is a senior content developer at Microsoft, author, and longtime leader in the .NET developer community. With over 27 years of experience in software development, Alvin has been recognized as a Microsoft MVP for more than a decade, honored for his contributions to Windows development, Visual Studio, and the broader Microsoft ecosystem. He is currently writing docs for multiple Microsoft technologies. In 2021, Alvin wrote a book for Packt Publishing, Learn WinUI 3.0. This is the first book Alvin authored and has been the technical reviewer for eight other .NET-related titles from Packt. Alvin is a founding board member of the TechBash Foundation and organizer of the annual TechBash developer conference in Pocono Manor, PA. Alvin resides in Pennsylvania with his wife and three daughters.   Mentioned in this Episode: LinkedIn Website  Alvin's Book  Episode 214  Want to Learn More? Visit AzureDevOps.Show for show notes and additional episodes.

Fr. Dan Reehil catches up with his mom, Gladys Reehil. Today they discuss preparing for the coming of Christ as outlined by our Lord in this past Sundays Gospel readingRadio Maria is a 100% listener supported radio station. If this broadcast has touched your life, please consider donating at https://rmusa.civi-go.net/donateStream live episodes of Battle Ready with Fr. Dan Reehil at https://radiomaria.us/ at 9:00 am cst or tune in on radio in Louisiana (580 AM Alexandria, 1360 AM New Iberia, 89.7 FM Natchitoches, 91.1 FM Lake Charles) in Ohio (1600 AM Springfield, 88.7 FM Anna, 103.3 Enon/Dayton) in Mississippi (88.1 FM D'Iberville/Biloxi) in Florida (91.9 Hammocks/Miami) in Pennsylvania (88.1 FM Hollidaysburg/Altoona) in Texas (1250 AM Port Arthur) in Wisconsin (91.3 FM Peshtigo), 1280 AM Columbia, TN (98.9 FM Columbia, TN)Download the Radio Maria Play app to any smart device:Android: https://play.google.com/store/apps/details?id=com.radiomaria.v3&hl=en_US&gl=US&pli=1iOS: https://apps.apple.com/us/app/radio-maria-play/id848153139 

Did you like this episode? Send us a text message and share your thoughts!“I always believed I was bringing my husband home. I also believed he could not come home to an empty barn. I was going to do everything to make sure there were cows here. He needed something to fight for.”In this episode of Cow-Side Conversations, Kerri Weber of Rustik Dairy LLC in Franklin County, Pennsylvania opens up about her journey navigating her husband Rob's unexpected brain aneurysm 15 months ago. After more than 100 days in hospitals and rehab centers, Rob returned home to the farm just in time for Thanksgiving last year. This season is a reminder of what they walked through and how blessed they are to still have Rob with them. During the podcast, Kerri describes how their journey in dairy farming started and where they are now. Eight years ago, she and Rob started dairy farming from scratch, renting different facilities and growing their herd until they entered into a partnership with two brothers. About four weeks after her husband's brain injury, Kerri was faced with finishing the transition process on her own and making the decision to sell the cows or buy out the rest of the partnership. Knowing Rob needed to come home to a full barn, Kerri made a decision to move forward with the transition. She reflects on her decision-making process, the trusted team they've built, the community that stepped up, and the simple joys she gathers from her animals and children. Ultimately, Kerri has learned how to be grateful for each day and for what they have even when the circumstances are not what she expected them to be.

In this episode, we're joined by Phil True, Fun Specialist at Refreshing Mountain Retreat and Adventure Center, for an inside look at the mission, magic, and momentum behind one of Pennsylvania's most beloved adventure destinations. Phil shares how Refreshing Mountain has grown from humble beginnings in 1983—when founders Marlin and Sharon Harnish transformed a run-down horse camp with just two bunkhouses and a stable—into a vibrant, year-round retreat center that now welcomes hundreds of groups and thousands of guests each year.Together, we explore what makes Refreshing Mountain a uniquely uplifting place for families, teams, and thrill-seekers alike, from its intentional hospitality to its ever-expanding lineup of outdoor experiences. Whether you're curious about the heart behind the organization or the adventures waiting on property, this conversation shines a light on why Refreshing Mountain continues to inspire connection, rest, and unforgettable fun.???? Connect with Phil True: ✅ Website: https://refreshingmountain.com/ ✅ Facebook: https://www.facebook.com/RefreshingMountain ✅ Instagram: https://www.instagram.com/refreshingmountain/# ✅ LinkedIn: https://www.linkedin.com/company/refreshing-mountain/ ✅ YouTube: https://www.youtube.com/channel/UCfaDpxUJjD60GcSS3LrmzPA Thank you for watching Lancaster Connects! This is the show about small business and small charity success in Lancaster county - we showcase the battle on Main Street, big vs. small David vs Goliath, and bring you the best of what makes Lancaster so great. ???? Want to create live streams like this? Check out StreamYard: https://StreamYard.CastAhead.net ➡️ Get your FREE copy of Ben McClure and Jeff Giagnocavo's book - "Sleep Better" https://gardnersmattressandmore.com/sleep-betterLIVE SHOW PODCAST & REPLAYS: ???? Connect with Lancaster Connects:✅ Official: https://lancasterconnects.com/ ✅ YouTube: https://www.youtube.com/@LancasterConnects ✅ LinkedIn: https://www.linkedin.com/company/lancaster-connects✅ Facebook: https://www.facebook.com/LancasterConnectsLancaster Connects is produced by Chris Stone at Cast Ahead:  https://CastAhead.net 

In this episode, I catch you up on everything that's been keeping me busy around the NFB of Pennsylvania. As convention chair for our 2025 convention in Harrisburg, I walk through how the weekend went—sponsors, auction totals, banquet fundraising, Family Feud night with Amazon gift cards and consolation candy bars, and the great support we got from the Best Western Premier staff. I talk about how grateful I am for Jane's help running things behind the scenes and how I'm emailing every attendee to say thanks and gather honest feedback. Of course, it wouldn't be an episode without travel drama: a tense run-in with a Harrisburg red cap, a creepy pitch-black train station, and a long rideshare wait getting home from Malvern. I wrap up with what's next, why I'm hoping to get back to weekly episodes, and how you can hear more convention content over on White Canes Connect. Show notes at https://www.iCantCU.com/292 Links Mentioned Product links are affiliate links so that I may earn a commission. Ray-Ban Meta Glasses, Wayfarer: https://amzn.to/42EU0Sy Like the sunglasses Jane bought for me? https://amzn.to/4oGWLfx Another big dog toy that may be on Ziggy's Christmas list: https://amzn.to/4nWcib1 Federation Focus on the NFB of PA YouTube channel: https://www.youtube.com/@nfbofpa I edit the show with Descript and love it!: https://www.iCantCU.com/descript/ Be My Eyes app (free): https://www.bemyeyes.com/  Seeing AI app (free): https://www.seeingai.com/  AI Killed Santa? That Real Blind Tech Show ep 191: https://podcasts.apple.com/us/podcast/episode-191-a-i-has-killed-santa-but-dont-tell-all/id1526258077?i=1000737946828 Index of That Real Blind Tech Show episodes: https://www.icantcu.com/trbts/  Watch iCantCU episodes on YouTube: https://www.youtube.com/@iCantCU Support iCantCU When shopping at Amazon, I would appreciate it if you clicked on this link to make your purchases: https://www.iCantCU.com/amazon. I participate in the Amazon Associate Program and earn commissions on qualifying purchases. The best part is, you don't pay extra for doing this! White Canes Connect Podcast Episode 146 In Episode 146 of White Canes Connect, we share the 2025 NFB of Pennsylvania State Convention banquet keynote delivered by National Federation of the Blind Executive Director of Blindness Initiatives, Anil Lewis. With humor, honesty, and warmth, Anil traces his journey from sudden blindness and early misconceptions about rehabilitation to discovering the Federation's philosophy of high expectations, love, and accountability. Find this episode at: Apple Podcasts https://podcasts.apple.com/us/podcast/anil-lewis-keynote-address-at-pa-state-convention/id1592248709?i=1000738772303 Spotify https://open.spotify.com/episode/1uUuORnubQC3pCa9sOYUqR YouTube https://youtu.be/M_fjMoBG5tE?si=nnJl7cU1kUmdYOBe White Canes Connect Website https://www.whitecanesconnect.com/146/      My Podcast Gear Here is all my gear and links to it on Amazon. I participate in the Amazon Associates Program and earn a commission on qualifying purchases. Zoom Podtrak P4: https://amzn.to/33Ymjkt Zoom ZDM Mic & Headphone Pack: https://amzn.to/33vLn2s Zoom H1n Recorder: https://amzn.to/3zBxJ9O  Gator Frameworks Desk Mounted Boom Arm: https://amzn.to/3AjJuBK Shure SM58 S Mic: https://amzn.to/3JOzofg  Sony ZV-E10 camera : https://amzn.to/4fFBSxM  GoPro Hero 11 Black: https://amzn.to/3SKI7WX Rode Video Micro (used on GoPro): https://amzn.to/4kVMJWI Sennheiser Headset (1st 162 episodes): https://amzn.to/3fM0Hu0  Follow iCantCU on your favorite podcast directory! Apple Podcasts: https://podcasts.apple.com/us/podcast/icantcu-podcast/id1445801370/  Spotify: https://open.spotify.com/show/3nck2D5HgD9ckSaUQaWwW2  Audible: https://www.audible.com/pd/iCantCU-Podcast-Podcast/B08JJM26BT  IHeart: https://www.iheart.com/podcast/256-icantcu-podcast-31157111/ YouTube: https://www.youtube.com/@iCantCU   Connect on Social Media Twitter: https://www.twitter.com/davidbenj Instagram: https://www.instagram.com/davidbenj Facebook: https://www.facebook.com/davidbenj LinkedIn: https://www.linkedin.com/in/davidbenj Are You or Do You Know A Blind Boss? If you or someone you know is crushing it in their field and is also blind, I want to hear from you! Call me at (646) 926-6350 and leave a message. Please include your name and town, and tell me who the Blind Boss is and why I need to have them on an upcoming episode. You can also email the show at iCantCUPodcast@gmail.com.

The NACE Journal Club with Dr. Neil Skolnik, provides review and analysis of recently published journal articles important to the practice of primary care medicine. In this episode Dr. Skolnik and guests review the following publications:1. FDA change in Boxed Warning Label for Hormone Replacement Therapy.  Discussion by:Guest:Anupriya Grover Wenk, DOFaculty - Family Medicine Residency ProgramJefferson Health - Abington2. Evolocumab in Patients without a Previous Myocardial Infarction or Stroke – The New England Journal of Medicine 2025. Discussion by:Guest:Neil Skolnik, MD Professor of Family and Community MedicineSidney  Kimmel  Medical College Thomas Jefferson University Associate Director - Family Medicine Residency Program Jefferson Health – Abington3. AI-Powered Lifestyle Intervention vs Human Coaching in the Diabetes Prevention Program – JAMA. Discussion by:Guest:Neil Skolnik, MDProfessor of Family and Community MedicineSidney  Kimmel  Medical College Thomas Jefferson UniversityAssociate Director - Family Medicine Residency ProgramJefferson Health – Abington4. Incremental effect of healthy lifestyle habits when taking GLP-1 RA medications on Cardiac Risk Reduction.  Discussion by:Guest:Joe Gonella, MDResident– Family Medicine Residency ProgramJefferson Health – AbingtonMedical Director and Host, Neil Skolnik, MD, is an academic family physician who sees patients and teaches residents and medical students as professor of Family and Community Medicine at the Sidney Kimmel Medical College, Thomas Jefferson University and Associate Director, Family Medicine Residency Program at Abington Jefferson Health in Pennsylvania. Dr. Skolnik graduated from Emory University School of Medicine in Atlanta, Georgia, and did his residency training at Thomas Jefferson University Hospital in Philadelphia, PA. This Podcast Episode does not offer CME/CE Credit. Please visit http://naceonline.com to engage in more live and on demand CME/CE content.

December's here, and it's time for the big push through to 2026 and opportunity a new year always brings a business owner to set goals, to lay plans and start acting on them. Yet as you'll hear in this edition of Overdrive Radio, it's also true that in so many ways the time for all of that is now, for any small trucking business owner, at any given moment. Like a football coach responding to what the opposing team throws at his own, a quarterback changing the play at the line, successful owner-operators are nothing if not masters of the art of getting prepped for the unforeseen. It's an impossible ask of anyone in some ways, but also a reality you'll hear through today's talk with four Overdrive Trucker of the Year contenders for this year's title. None less so than owner-operator John Treadway, our September Trucker of the Month. He delivered the shocking news of his pristine 1998 Peterbilt 379's October catastrophic engine failure. How might one prepare for that? Owner Treadway's long experience taught him, like others featured in this roundtable talk, the importance of the back-up plan, and not only could he afford what will ultimately be a reman Caterpillar crate engine powering the unit. The original Cat in the 1998 379 he's hopeful to rebuild with some close associates, furthermore, to in future repower his back-up power unit. That backup, a 2006 379, with plenty miles on the odometer itself, is yet another element of Treadways effective prep for the October catastrophe. It's enable him to continue serving his primary and other customers as Caterpillar works through issues with the engine replacement. His isn't the only update you'll get from owners in this podcast, where host and Overdrive Chief Editor Todd Dills put two principal questions to four owners: 1. How's business looking as we head into 2026, and have any goals set early in year 2025 been brought to fruition? 2. Reflecting on your own history trucking, what's the single best piece of advice you might deliver to new and/or aspiring owner-operators to help on the long road to success? Featured, along with Indiana-headquartered Treadway: **John Penn, our most-recent Trucker of the Month in October, hauling LTL furniture principally: https://overdriveonline.com/15770500 **Similarly LTL-focused fresh meat reefer hauler Jason Shelly, based in Pennsylvania: https://overdriveonline.com/15753418 **And two-truck dump fleet owner (with a third truck in more OTR work) Hunter Hubbard: https://overdriveonline.com/15741276 Overdrive's Trucker of the Year competition is sponsored for 2025 by Bostrom Seating -- there's a new seat on the line for the contenders. Consider this roundtable the "Exit interviews" with each ahead of announcements late this month of finalists, after the judging round. Stay tuned in the coming weeks for more featured contenders.

It's iFanboy 20/25 — 20 years of podcasting and 25 years of iFanboy! It's dog-eat-dog in the pages of this week's comics when Conor Kilpatrick is joined by Dr. Ryan Haupt (and trusty pup Clementine) to cover this week's comics in a tryptophan-induced haze. Note: Time codes are estimates due to dynamic ad insertion by the distributor. Running Time: 01:00:45 Pick of the Week:00:01:48- Escape #4 Comics:00:09:49 – Detective Comics #110300:17:08 – DC K.O. #200:20:47 – Justice League Unlimited #1300:24:30 – Green Lantern #596 (29)00:26:16 – Devil On My Shoulder #100:32:28 – DC's I Saw Ma Hunkel Kissing Santa Claus #1 Patron Pick:00:36:03 – Batman/Green Arrow/The Question: Arcadia, Book One Patron Thanks:00:42:47 – Drew Gatcum Listener Mail:00:45:12 – Greg M. from Philadelphia, Pennsylvania wants to know what gives certain characters their staying power and popularity over the decades relatively to others, a question apparently solicited by the Jamokes. Thank you, Greg, for completing the assignment. Brought To You By: Sundays For Dogs – Fresh, air-dried dog food made from clean ingredients. Go to sundaysfordogs.com/IFANBOY and get 50% off your first order. Or, you can use code IFANBOY at checkout. iFanboy Patrons – Become one today for as little as $3/month! Or join for a full year and get a discount! You can also make a one time donation of any amount! iFanboy T-Shirts and Merch – Show your iFanboy pride with a t-shirt or other great merchandise on Threadless! We've got TWENTY THREE designs! Music:“Christmas (Baby Please Come Home)”Darlene Love Watch The iFanboy After Show for Pick of the Week #1005! Listen to Conor, Josh, and Ron on their other show Goodfellas Minute. Listen to Conor and Ron reminisce about Goodfellas Minute on Sporadicast: An Oral History of Movies by Minutes. Listen to Conor, Josh, and Ron discuss Blade (1998) on Cradle to the Grave. Listen to Josh discuss Fargo on Movie of the Year: 1996. Listen to Conor discuss Swingers on Movie of the Year: 1996. Watch Ron talk about pinball technology on the Daily Tech News Show. Listen to Conor discuss Ghostbusters on Movie of the Year: 1984. Listen to Conor, Josh, and Ron discuss The Crow (1994) on Cradle to the Grave. Listen to Josh discuss Jaws 4: The Revenge (1987) on Cradle to the Grave. Listen to Josh discuss Indiana Jones and the Temple of Doom (1984) on Cradle to the Grave. Watch Josh and Conor talk about how to start a podcast on OpenWater. Listen to Ron talk about The Phantom Menace minute 80 on Star Wars Minute. Listen to Ron talk about Return of the Jedi minute 124 on Star Wars Minute. Listen to Conor talk about Return of the Jedi minute 104 on Star Wars Minute. Listen to Ron talk about The Empire Strikes Back minute 115 on Star Wars Minute. Learn more about your ad choices. Visit megaphone.fm/adchoices

When you're going through a difficult time, sometimes a simple act of kindness can mean everything.⁠ ⁠Lasagna Love⁠⁠ is building a movement based on that kindness, where volunteers make and deliver lasagna for neighbors in need. Racquel Williams talks with their Executive Director, Andria Larson, and the Volunteer State Director for Pennsylvania, Jazmyne Walker. Then, on Shara in the City, we talk with a music legend - Rev. Joe Williams, the last living member of the gospel group The Dixie Hummingbirds. Shara Dae Howard visits him in North Philly to hear about how he got to sing with the group that he admired for years. The Lasagna Love interview was originally released on July 26, 2025. Shara in the City with Rev. Joe Williams was originally released on August 16, 2025. To learn more about listener data and our privacy practices visit: https://www.audacyinc.com/privacy-policy Learn more about your ad choices. Visit https://podcastchoices.com/adchoices

On this Black Friday edition of Why We Vote, CannCon and Ashe in America dive into a packed night of election-integrity revelations, legal twists, and geopolitical chaos, with a surprise appearance from Colonel Towner. The episode opens with light holiday banter before shifting into explosive stories about non-citizen voter registrations in Pennsylvania, a resurfaced Fifth Circuit ruling requiring ballots to be received by Election Day, and the renewed fight to end early voting as a loophole for manipulation. Ashe and CannCon call out years of voter-roll corruption, failed consent decrees, and the ERIC system's role in flooding rolls with ineligible voters. The conversation deepens when Colonel Towner joins to dismantle the CIA-centric narratives emerging from the recent Laura Logan interview and Emerald Robinson thread, arguing that the agency is scrambling to rewrite history and get ahead of coming election-interference disclosures. The hosts connect these narratives to broader operations, from cartel money flows to CIA assets in South America, and the suspicious timing of domestic “incidents” meant to shape public perception. By the end, they frame the week's events as coordinated attempts to redirect the public away from the real machinery of election fraud.

In this chilling Bigfoot Society episode, a Pennsylvania witness comes forward with a life-changing encounter deep in the woods near Alden Reservoir, Tomko Road, and Davis Street in the Scranton–Wilkes-Barre area. Frank recounts the unforgettable night he and his friends were camping at a spot they simply called “The Spot.” What began as a normal weekend in the Northeastern Pennsylvania mountains quickly turned terrifying when they experienced strange sounds, trees pulled across trails, and an encounter with something far larger—and far more intelligent—than anything they expected.Frank shares the exact locations tied to his experience, including Witkis Villa, Holly Street, and the surrounding ridgelines and creek areas. He also reveals unsettling local lore about mysterious small creatures said to inhabit the woods, and the disturbing reaction of longtime mountain residents when he accidentally spoke an unfamiliar word linked to these legends.If you're interested in real Sasquatch encounters, Bigfoot sightings in Pennsylvania, Appalachian creature stories, or unexplained wilderness phenomena, this episode dives deep into a firsthand account that still haunts the witness decades later.

On Thursday's Mark Levin Show, we bring you the best of on Thanksgiving Day! The 9/11 families still lack answers from Saudi Arabia's involvement in September 11th. Mohammed bin Salman's claim that Osama bin Laden used Saudis to destroy U.S.-Saudi relations is crap. MBS says he wants a two state solution with Israel and Palestine but he won't take in one Palestinian from Gaza. Later, NY Post's Miranda Devine criticizes the FBI and Secret Service for mishandling the investigation into Thomas Crooks' attempted assassination of Donald Trump at a 2024 Butler, Pennsylvania rally. An independent source uncovered Crooks' 17 online accounts revealing his ideological shift from pro-Trump supporter in 2019—issuing threats against Democrats—to anti-Trump critic by 2020, with increasingly violent rhetoric advocating terrorism, assassination, and interactions with a neo-Nazi. The Crooks files need to be released. Also, Qatar is pumping tens of billions of dollars into American universities to help the Muslim Brotherhood weaken America and destroy democracy. It's stunning to the extent we are blind to what Qatar is doing. We ignore this at our own peril. Later, CAIR is suing Texas over Gov Greg Abbott's ‘terrorist' designation. Abbott should use this lawsuit to get to the bottom of CAIR's funding. He should counter claim or conduct discovery on all of their contacts, emails, etc. Learn more about your ad choices. Visit podcastchoices.com/adchoices

Jay O'Brien reports on President Trump announcing that one of the two National Guard troop members shot in Washington, D.C. has died, authorities say they were allegedly shot by an Afghan national who sources say worked for a CIA-backed paramilitary group; Selena Wang has the latest on Pres. Trump suspending all immigration applications from Afghan nationals, calling for a “re-examination” of those who came to the U.S. under the Biden Administration; Morgan Norwood has more on the lake effect snow piling up in parts of Michigan, Pennsylvania and New York amid the Thanksgiving holiday, and the new cross-country system that will impact millions heading back home from the holiday; and more on tonight's broadcast of World News Tonight with David Muir. Learn more about your ad choices. Visit podcastchoices.com/adchoices