Podcasts about pennsylvanians

Harmful Algal Blooms (HABs) occur when nutrient-rich runoff enters lakes and ponds, creating favorable conditions for bacteria that produce potent cyanotoxins. In addition to the usual negative environmental impacts associated with too much algae in freshwater, HABs can seriously sicken people and animals. A new Lake Wallenpaupack Watershed Management District project funded through PEC's Pocono Forests and Waters Conservation Landscape Mini-Grants program aims to educate northeastern Pennsylvanians on the dangers of HABs and how to prevent them from occurring.

12 - How can we hate Trump? By voting for Chris Rabb! 1215 - Side - American as Apple Pie 1220 - Why are Pennsylvanians upset with Josh Shapiro over AI? Wait, Dom and the Pope might agree on something? How bad is Big Brother in China? Are you a jaywalker? 1230 - Your calls. 1235 - Is Pope Leo attacking AI? 1240 - Your calls. Is Chevy the most American truck brand? 1250 - More on the AI race.

12 - How can we hate Trump? By voting for Chris Rabb! 1215 - Side - American as Apple Pie 1220 - Why are Pennsylvanians upset with Josh Shapiro over AI? Wait, Dom and the Pope might agree on something? How bad is Big Brother in China? Are you a jaywalker? 1230 - Your calls. 1235 - Is Pope Leo attacking AI? 1240 - Your calls. Is Chevy the most American truck brand? 1250 - More on the AI race. 1 - AOC is a preacher woman now? When can home buying be affordable? 115 - How loud is the uproar in PA over AI data centers? How bad is the gaslighting from our elected officials? 120 - Your calls. 135 - Is Jon from “Jon and Kate Plus Eight” the groundskeeper at Aronimink? 140 - Former Bucks County Sheriff Fred Harran joins us today. How do we still have no updates from Quakertown over the anti-ICE protests in February? Why has the County DA not brought any substantial charges yet? How surprising is it to have anti-law politicians in a place like Bucks County? 150 - Dom Giordano Presents: Progressive Women Gone Wild! 2 - Can we not backslide on mail-in balloting for the midterms? 215 - Dom's Money Melody! 225 - Why is Big Dom narrating the opener for the PGA Championship? Taking your calls. 235 - PA Treasurer and Republican Candidate for Governor, Stacy Garrity is here. What was she doing in Bucks County? How nice is it to have a Lt. Governor candidate like Jason Richey? With Colorado and New York opting into school choice, will Josh Shapiro? What are other maladies afflicting the Commonwealth? As Treasurer, why does she think he's out of control with his private residence upgrades? Let's have a great showing on Tuesday! 250 - The Lightning Round!

This phrase may have been stated by a Pennsylvanian in the 1880's described as a "German." as we talk about in this episode about family, assimilation, education and immigration. But it's not so simple. There were many German Americans, and two types in particular stood out from and sometimes in contrast with each other. Learn more about your ad choices. Visit megaphone.fm/adchoices

Sign up for our newsletter! On this week's episode:   A new online tool calculates how much Pennsylvanians could save by switching from a gas-powered car to an EV. As Trump administration policies are impacting funding for scientists, some are choosing to move overseas. Pennsylvania is getting a federal grant to install a geothermal project at an existing natural gas site. Pennsylvania's utility regulators are proposing guidelines that aim to protect rate payers from the proliferation of large data centers. A teenager wants to use AI to help neighboring farmers with spotted lanternflies. We're independent and non-profit, and we don't get money from WESA, WPSU or any other radio station. So we must turn to you, our listeners, for support. Take action today so we can continue to keep you informed.  Donate today.  Or send us a check to: The Allegheny Front, 67 Bedford Square, Pittsburgh, 15203.  And thanks! 

Iran said to be considering US proposal to end war; Ted Turner, CNN innovator is dead at 87; Medicaid cuts put 300,000 Pennsylvanians' health coverage at risk; Minnesota prepares to implement high-profile crypto kiosk ban; LGBTQ+ groups celebrate transgender elders this Mother's Day.

Researchers have been polling Pennsylvanians for 14 years on their feelings about public health issues facing the commonwealth. This year's survey from Muhlenberg College Institute of Public Opinion and the Muhlenberg College Public Health program documented a record number of respondents dissatisfied with the overall quality of healthcare in the state. In just a few weeks, Philadelphia will host World Cup soccer games and soon after, the city is throwing a big celebration for the 250th anniversary of the signing of the Declaration of Independence. The National Liberty Museum, in Philadelphia, now has an exhibit that shows how sports and democracy go hand in hand. A 14-year-old youth faces arson charges following a rowhome fire in Hanover earlier this week. A rainbow-striped pride flag flying at the Lancaster city rowhome was set on fire Tuesday night and partially burned. Adams County-based Knouse Foods announces it is shutting down its Chambersburg, Franklin County plant by the end of the year. And now it's time for our weekly segment called The Bright Spot. Every Friday, we share a positive news story that may have gotten lost amid this week's news cycle.  Today's bright spot is for all the train lovers and history buffs: The world's largest operating steam locomotive will be making several stops in Pennsylvania as part of the nation's 250th birthday celebration. One of those stops is considered a shrine of U-S railroad history, right here in Pennsylvania.Support WITF: https://www.witf.org/support/give-now/See omnystudio.com/listener for privacy information.

In this week's episode, co-host Ryan Coonerty speaks with PA State Representative Jennifer O'Mara about how her life experiences and the loss of her father shaped her career, how those stories resonated with people during her election, and what Pennsylvanians are saying they want from their elected leaders. The conversation also covers her experience with IVF, how motherhood has impacted her policy work, and how she juggles all her responsibilities. Ryan and Rep. O'Mara discuss her legislative priorities, including the AI mental health bill she is working on, as well as how she thinks her swing state will vote in the midterms, and the current state of Pennsylvania politics. Tune in to learn more from this engaging conversation.  IN THIS EPISODE: • [01:01] Today's guest, Jennifer O'Mara, provides an overview of her career. • [04:07] How our guest leveraged her life experiences during her election.  • [05:46] What Representative O'Mara is hearing from voters in a swing state. • [07:49] How 'kitchen table issues' can be addressed throughout the country. • [09:44] Some of the policies she has initiated to help working families in her state. • [14:29] How being a mother has informed her policy work as a state Representative.  • [20:56] Balancing challenges, coalition creation, legislature, and having a family.  • [22:46] Representative O'Mara tells us about her bill on AI therapy.  • [25:02] Private equity issues and how our guest is trying to combat them.  • [29:29] The state of Pennsylvania politics and what we can expect from the next election.

Democrats are trying to find a candidate who can beat incumbent Republican Scott Perry in Pennsylvania's 10th Congressional race The primary race is between centrist Janelle Stelson and progressive Justin Douglas. Some Pennsylvania lawmakers say, as immigrant students' rights have come under attack, they want to take steps to ensure public schools remain safe and welcoming. New state legislation would require schools to adopt policies that protect students' privacy and limit ICE enforcement on school grounds. Hundreds of thousands of Pennsylvanians rely on direct care workers to get a little assistance at home. Most work for agencies, but 6% are employed directly by a Medicaid enrollee. That category of caretaker now qualifies for a raise after lawmakers added $21 million to the current state budget to fund the increase in pay. Delaware County is eyeing a regional youth detention center five years after abuse allegations shuttered a facility in the county. Berks and Dauphin counties are in those partnership talks. Future security-related upgrades to address emergencies at the state-owned governor's mansion, as well as at private property owned by Pennsylvania's sitting governor, would be subject to new oversight and public accountability, under a measure being pushed in the legislature. After nearly 100 animals were rescued from a Lancaster County home last week, some of the puppies are now being adopted. The Hershey Bears head into the Atlantic Division Semifinals Thursday night facing a Pennsylvania rival, the Wilkes-Barre/Scranton Penguins. In uncertain times, our community counts on facts, not noise. Support the journalism and programming that keep you informed. Donate now at www.witf.org/givenow. And thank you.Support WITF: https://www.witf.org/support/give-now/See omnystudio.com/listener for privacy information.

12 - Jimmy Kimmel and Melania Trump are at each other's throats. Why have politicians turned against Stacy Garrity and not Josh Shapiro? Is Dr. Ala Stanford done? 1215 - Side - movie that had a scene with a big theater reaction 1220 - More on the wishy-washiness of our local politicians. Your calls. 1240 - Why is the media missing the nuance in what Jimmy Kimmel said about the President? Your calls. 1245 - PA Senator Jarrett Coleman is here today. What is it like jousting with Josh Shapiro? Why is Jarrett so against taxpayers paying for personal repairs at Josh Shapiro's private residence? How much in fees are we paying as Pennsylvanians?

12 - Jimmy Kimmel and Melania Trump are at each other's throats. Why have politicians turned against Stacy Garrity and not Josh Shapiro? Is Dr. Ala Stanford done? 1215 - Side - movie that had a scene with a big theater reaction 1220 - More on the wishy-washiness of our local politicians. Your calls. 1240 - Why is the media missing the nuance in what Jimmy Kimmel said about the President? Your calls. 1245 - PA Senator Jarrett Coleman is here today. What is it like jousting with Josh Shapiro? Why is Jarrett so against taxpayers paying for personal repairs at Josh Shapiro's private residence? How much in fees are we paying as Pennsylvanians? 1 - Why is Stacy Garrity suddenly such a target? 110 - Can Democrats stop with the Nazi rhetoric? Your calls. 120 - Rom Thomson is out as Phillies manager. Is it the right move? Your calls. 130 - Ryan Boyer, Business Manager for the Philadelphia Building and Construction Trades Council, joins us again this afternoon. Why does Sharif Street have his and the trades' backing? Why not back Dr. Ala Stanford? Is this election on the top of the mind for the trades? What does Ryan think about Chris Rabb's campaign and bringing in personalities like Hasan Piker? Why is Sharif Street not buying into performative politics? 150 - Dom Giordano Presents: Progressive Women Gone Wild! 155 - Your calls. 2 - James Comey is being indicted for his “8645” Instagram post. Is this the right move for the Trump administration? 210 - Your calls. 215 - Dom's Money Melody! 220 - Was the WHCD shooting fake? What is the upside on communism? 240 - Will we see Dr. Fauci again? What's the latest from Linda Kerns on PA voter rolls? 250 - The Lightning Round!

fWotD Episode 3276: Ornithoprion Welcome to featured Wiki of the Day, your daily dose of knowledge from Wikipedia's finest articles.The featured article for Friday, 24 April 2026, is Ornithoprion.Ornithoprion is an extinct genus of cartilaginous fish. The only species, O. hertwigi, lived during the Moscovian stage of the Pennsylvanian subperiod, which spanned from 315 to 307 million years ago. Its fossils are preserved in black shales from what is now the Midwestern United States. The study of Ornithoprion was performed primarily via x-ray imaging, and at the time of its discovery it represented one of the best known holocephalans of the Paleozoic era. The classification of the genus has been the subject of debate due to its unique anatomy, and it is now placed in the order Eugeneodontiformes and the family Caseodontidae. Ornithoprion's genus name, which may be translated from Greek as 'bird saw', was inspired by the animal's vaguely bird-like skull and the saw-like appearance of the teeth in the lower jaw, while the specific name honors German zoologist Oscar Hertwig.Ornithoprion had a unique projection of its lower jaw termed the mandibular rostrum, which was covered by a beak of fused bony scales and the function of which in life is not known. It inhabited shallow, seasonal marine and brackish water environments, alongside a variety of other cartilaginous fishes. The rounded shape of Ornithoprion's teeth suggests that it hunted hard-shelled invertebrates, and bite marks and damage to some of its fossils indicate that it was in turn fed on by other carnivores. Ornithoprion was small relative to other members of its order, with a cranium length of up to 10 cm (3.9 in) and an estimated body length of up to approximately 91 cm (36 in).This recording reflects the Wikipedia text as of 01:00 UTC on Friday, 24 April 2026.For the full current version of the article, see Ornithoprion on Wikipedia.This podcast uses content from Wikipedia under the Creative Commons Attribution-ShareAlike License.Visit our archives at wikioftheday.com and subscribe to stay updated on new episodes.Follow us on Mastodon at @wikioftheday@masto.ai.Also check out Curmudgeon's Corner, a current events podcast.Until next time, I'm generative Danielle.

Pennsylvania is introducing new privacy protections for people with disabilities, including those with autism. Governor Josh Shapiro announced the changes last week in a series of executive orders. The Pennsylvania auditor general says the state's so-called motor-voter system is working as intended, despite one error caught during a review. A Florida energy company is planning to build a high-voltage power line in southwest Pennsylvania to feed data centers in Northern Virginia. The company is seeking the right of eminent domain. A house fire claimed the lives of a mother and six children Sunday in Clinton County, near Lock Haven. Following the discovery of a woman's body inside a foreclosed Lebanon County home last week, the woman's husband is facing charges. The executive director of the Pennsylvania Human Relations Commission announced Friday that he'll step down in June. A 20-year old Cumberland County man is facing charges of ethnic intimidation and harassment after Pennsylvania State Police say he and a juvenile posted anti-Semitic signs on several properties. In uncertain times, our community counts on facts, not noise. Support the journalism and programming that keep you informed. Donate now at www.witf.org/givenow. And thank you.Support WITF: https://www.witf.org/support/give-now/See omnystudio.com/listener for privacy information.

Two Bhutanese refugees living in central Pennsylvania are detained and facing deportation. It’s the latest in a series of cases where the Trump administration is deporting the refugees back to a country that simply kicks them out again. Getting mail-in ballots ready for counting is a time-consuming process that has slowed results on every election night since 2020, when Pennsylvanians first got the option to cast absentee ballots without an excuse. State lawmakers are considering a measure that would let county election workers begin that work as far as a week out from Election Day. The State Insurance Department has announced a decrease in employers' costs for workers' compensation insurance could be coming in the near future. A change in costs could help employers save money. The Philadelphia 76ers, Pittsburgh Penguins and Philadelphia Flyers are all in the midst of playoff games - and that's why Pennsylvania Attorney General Dave Sunday is warning area sports fans to be on guard for scams. State officials are awarding nearly half a million dollars in grant funding to support urban agriculture projects across Pennsylvanian's cities - including Harrisburg, Lancaster and Reading. In uncertain times, our community counts on facts, not noise. Support the journalism and programming that keep you informed. Donate now at www.witf.org/givenow. And thank you.Support WITF: https://www.witf.org/support/give-now/See omnystudio.com/listener for privacy information.

It's International Bat Appreciation Day. Bats are smart, versatile and often adorable in their way. But they do have minds of their own… which foiled a project that seemed like a useful idea for the Florida Keys. Plus: today in 2018, a story about a Pennsylvanian who had an airtight reason to get out of jury duty. BAT TOWER SEEMED LIKE GOOD IDEA, BUT NO ONE TOLD THE BATS (Chicago Tribune)4-year-old Summoned for Jury Duty, Excused for Preschool (WNEP)Join our “colony” of backers on Patreon

There's a lot of thoughts that float through our minds when we're out on the trails hiking. Am I in the right career? Is that snake poisonous? Look at that beautiful view! Did I leave the oven on? I need a bathroom, quick! Whatever we're thinking about – whether it's the joy we feel on a hike or working through some of our problems – it tends to center on ourselves. Our problems. Our joy. Our experience. Our views. The very thing below our feet – the trail – tends to be forgotten almost entirely. Little if any attention is paid to the magnificent pathway under our boots that's allowing us to have these thoughts and experiences. We don't think about how it was built, who built it, when it was built or who paid for it. The trail is there, so we hike it. The end. But, that's nowhere near the end. The story of any trail is fascinating. From conception to completion it takes years even decades to finish. First, comes the idea - typically from a dedicated group of Pennsylvanians that want a trail in their community. That idea is followed by countless public hearings, community discussions and planning meetings. All the while they're working to get approvals from everyone from the railroad to the bureau of forests. It's a long, long process. And expensive. Groups spend years trying to raise money through donations and grants. And even if the money is raised and the approvals are given, then you gotta build the bloody thing.It's honestly amazing that we even have trails. The amount of work it takes for everyone – from the organizing group to the hands-on builder – is spectacular. It's mind boggling. So much so, that I wanted to learn how trails are built here in Pennsylvania. How does one shape an unbroken forest into a beautiful trail? How long does it take? How much does it cost? Luckily, I got to see first-hand how natural surface trails are made as a member of the PA Trails Advisory Committee. I met this episode's guest riding a machine, cutting a brand new trail in Rothrock State Forest. It was an experience that reshaped my thinking on trails and made me appreciate how much work goes into the trails we hike.On this episode, I speak with Zachary Adams. Zach is the founder of Appalachian Dirt. Be sure to support our 2026 sponsors:Keystone Trails AssociationPurple Lizard MapsPennsylvania Parks and Forests FoundationSisters' SunflowersDiscover Clarion CountyGo Laurel Highlands Support the showVisit our website to learn more about the podcast, to purchase merch and to find out about our incredible sponsors. Follow us on Instagram and Meta to stay connected. Hosting, production and editing: Christian AlexandersenMusic: Jon SauerGraphics: Matt Davis

One way Pennsylvania is marking America's 250th anniversary is through a geocaching trail which includes 25 state parks. The GPS-driven scavenger hunt has sites in several state parks located in the midstate. York County Commissioner Julie Wheeler hailed the announcement as a great way to tie recreation together with local history. More news from Pennsylvania’s state park system: Pennsylvania is adding its 125th state park this month — and this one is entirely underground. And in Blair County, Hollidaysburg Borough Council members are compromising on their vision for a Slinky museum. The iconic spring toy will soon share exhibit space with another part of the borough’s history. Pennsylvania Army National Guard soldiers are forming a new reconnaissance unit designed to counter modern battlefield threats, according to the U.S. Department of Defense. Even though the weather turned unseasonably warm this week, many Pennsylvanians continue facing financial challenges paying for this past winter's heating bills. That's why Pennsylvania Department of Human Services Secretary Dr. Val Arkoosh has extended the Low-Income Home Energy Assistance Program - or LIHEAP - season through May 8th. Thaddeus Stevens College of Technology is launching a new program designed for small business owners - and to help craftspeople become entrepreneurs. In uncertain times, our community counts on facts, not noise. Support the journalism and programming that keep you informed. Donate now at www.witf.org/givenow. And thank you.Support WITF: https://www.witf.org/support/give-now/See omnystudio.com/listener for privacy information.

We find out more on a Pennsylvanian suffering injury from a pipe bomb he made to entertain guests.

U.S. Immigration and Customs Enforcement is appealing orders that have basically stalled two detention centers planned in Pennsylvania. Part of the issue is the sites’ water and sewage capacity wouldn’t support the number of people who’d be there, should the facilities come to fruition. The continued detention of an asylum-seeker arrested in Central Pennsylvania highlights many of the Trump administration’s changes to immigration policy. The State Attorney General's Office is warning Pennsylvanians about the prevalence of fraudulent investment schemes on Meta social media platforms. And the deadline to file your taxes – April 15th – is coming up this week. It ties into April’s focus as Financial Literacy Month in Pennsylvania. The State Department of Banking and Securities is celebrating by offering financial education programs throughout the month. If you're already a member of WITF's Sustaining Circle, you know how convenient it is to support programs like The Morning Agenda. By increasing your monthly gift, you can help WITF close the budget gap left by the loss of federal funding. Visit us online at witf.org/increase or become a new Sustaining Circle member at www.witf.org/givenow. And thank you!Support WITF: https://www.witf.org/support/give-now/See omnystudio.com/listener for privacy information.

The Pennsylvania House of Representatives has passed a slew of bills that would reshape some aspects of life in the state. Lawmakers voted to raise Pennsylvania's minimum wage – currently stagnating at $7.25 an hour – to $15 an hour over the next few years. They advanced a bill that would require controversial data centers to submit to additional oversight from the state. They approved legislation that would codify marriage equality at a time when federal protections feel shaky. If passed, these laws could have big impacts for Pennsylvanians. But do they stand a chance in the Republican-controlled State Senate? Today, we're joining forces with City Cast Pittsburgh to bring you the latest from the Capitol. Host Trenae Nuri and Pittsburgh host Megan Harris talk with Ian Karbal, government reporter for the Pennsylvania Capital-Star, about the changes that could be in store for our state. Our newsletter has Philly news & events in your inbox every weekday morning. Call or text us: 215-259-8170 Instagram: @citycastphilly Support our show and get great perks as a City Cast Philly Neighbor: membership.citycast.fm Advertise on the podcast or in the newsletter: citycast.fm/advertise Learn more about the sponsors of this episode: ⁠Fitler

More than 120,000 Pennsylvanians have dropped health insurance coverage through the state's marketplace this year. Premium spikes and the loss of federal subsidies are playing a role. It’s well known that smoking can lead to lung cancer. New research now finds a connection between lung cancer and air pollution. U.S. Steel’s new owner scored near the bottom in a new climate ranking for steel companies. Pennsylvania’s Department of Labor and Industry has released a preliminary report on unemployment and the workforce from January. Combined with the latest national jobs data, it’s generally good news. Five Pennsylvania counties - including Franklin - are billing the federal government when they detain and house immigrants in their jails. That's according to a first-of-its-kind review by our partners at Spotlight PA. The WellSpan Health Board of Directors is announcing the health system's president and CEO Roxanna Gapstur is retiring. In uncertain times, our community counts on facts, not noise. Support the journalism and programming that keep you informed. Donate now at www.witf.org/givenow. And thank you.Support WITF: https://www.witf.org/support/give-now/See omnystudio.com/listener for privacy information.

As wildfire season ramps up across the state, The Spark spoke with Mike Kern, Chief of the Division of Forest Fire Protection, and Matt Reed, Chief of Wildfire Operations and Planning with the Pennsylvania Bureau of Forestry, about what residents need to know. They explained that most wildfires in Pennsylvania are human-caused—often the result of debris burning, unattended campfires, or discarded cigarettes—making prevention a critical part of safety. With dry conditions and shifting winds increasing fire risk, they emphasized the importance of following local burn bans, properly extinguishing fires, and staying aware of changing weather conditions. Kern and Reed also highlighted how their teams prepare year-round to respond quickly and protect both people and natural resources, urging Pennsylvanians to stay informed and take simple precautions to help reduce wildfire risk. On a recent episode of The Spark, we discussed the future of hemp fiber in Pennsylvania with Gabriella Fioravanti of Thomas Jefferson University and Mike Roth of the Pennsylvania Department of Agriculture. The conversation focused on how hemp fiber can be used in products like textiles and building materials, the environmental benefits it offers, and the challenges—like processing infrastructure—that are shaping the industry's growth in the state.Support WITF: https://www.witf.org/support/give-now/See omnystudio.com/listener for privacy information.

The April 15th tax filing deadline is about two weeks away, and Governor Josh Shapiro is encouraging Pennsylvanians to take advantage of a new state tax credit. The Working Pennsylvanians Tax Credit was created in the current state budget. The Pennsylvania Fast Track Permit program coordinates multi-agency permitting for large-scale economic development projects – and provides transparency as projects progress. But some northeastern Pennsylvania residents have questions about the state program, after learning a data center project was accepted into fast track but never appeared on the program’s website. A deep dive into Pennsylvania’s automatic voter registration program, started under Governor Josh Shapiro in 2023, shows it’s working to get more people to vote from all parties and parts of the state. WITF’s Jordan Wilkie talks with Votebeat reporter Carter Walker who analyzed the data.Support WITF: https://www.witf.org/support/give-now/See omnystudio.com/listener for privacy information.

In Western Pennsylvania, the Allegheny County board of health is looking at how it can reduce the impacts of fracking. It formed a subcommittee on fracking last year, and the committee presented their plans to the full board of health earlier this month. State environmental regulators recently held a hearing for an air permit for Shell’s plant in Beaver County. The State Department of Conservation and Natural Resources has announced they'll cover the costs for Pennsylvanians to remove invasive trees and shrubs and replace them with native species for the second year in a row. And a deep dive: A silent fly arrived on our shores about 250 years ago, around the same time Thomas Jefferson wrote the Declaration of Independence in Philadelphia. How one of the country’s first invasive species spurred suspicions of biological warfare, threatened the new nation’s economy, and inspired citizen science. And continuing our weekly feature “The Bright Spot,” we share a positive news story that may have gotten lost amid this week's news cycle. This week’s Bright Spot is both artistic and altruistic. https://www.npr.org/2026/03/25/nx-s1-5742397/pablo-picasso-painting-to-be-raffled-off-to-benefit-alzheimers-research Support WITF: https://www.witf.org/support/give-now/See omnystudio.com/listener for privacy information.

A bi-partisan group of state lawmakers has announced the formation of the new Pennsylvania Anti-Human Trafficking Caucus. When school districts across the U-S violate civil rights laws, families can file a complaint with the Department of Education’s Office of Civil Rights. But given the Trump administration’s dismantling of the U-S Department of Education, many are turning to state agencies to carry out civil rights enforcement. Drexel University plans to launch a 3-year medical school as an alternative option to its 4-year program. Leaders hope the shorter pathway can help students save money and bring more doctors into the workforce faster. State officials are encouraging Pennsylvanians to get screened early for colorectal cancer. The call comes at a time when the number of cases is rising in younger adults... State House Democrats have unveiled their budget proposal and it’s identical to one introduced by Governor Josh Shapiro last month. One of their priorities is raising the state’s minimum wage from $7.25 per hour to $15, which has passed in the House. New cases of avian influenza are confirmed at three Lancaster County farms this month, affecting more than one million birds. The new outbreaks bring this year's total number of Lancaster County bird flu cases to 8.6 million. The city of Reading has a new fire chief – and he’s the city’s first Black fire chief. Robert Leonard II brings more than 20 years of experience in fire and emergency medical services to the position. Pennsylvania's outdoor recreation industry is growing faster than the national average. Pennsylvania's outdoor economy grew by 1.5 billion dollars in 2024, reaching 20.4 billion dollars in total economic impact. Support WITF: https://www.witf.org/support/give-now/See omnystudio.com/listener for privacy information.

Fr. Ralph and co-host Zach Zywiec bring you the life and times of Notre Dame's oldest and most storied residence hall, St. Edward's. This week's guests are Zach Jones, Steds sophomore, Mom's Weekend Commissioner, Hall Vice-President Elect, and resident Texan, Michael Heffernan, Steds sophomore, Hall President Elect, and resident Pennsylvanian, all followed by Sports with Drew Niccol and Good News and Weather with Logan Schober.

The NCAA Tournament is here! We preview Illinois vs. Penn in the NCAA Tournament with insight from Carson Gourdie of WICS-TV and Fox Illinois. Valerie Guevarra and Emilie Chi from The Daily Pennsylvanian join the show to provide the Penn perspective. The discussion breaks down key matchups, strengths, and potential X-factors on both sides. It's a well-rounded look at what to expect as the Illini and Quakers get set to clash.

If you've ever stood beside a cold mountain stream at first light — mist rising off the water, hemlocks towering overhead and the gentle sound of moving water— then you already understand the magic of Little Pine State Park.Tucked deep in the rugged country of north-central Pennsylvania, this park is where brook trout still thrive, where the mountains become majestic green waves and where a simple weekend can feel like a full reset. Don't we all deserve that?At its heart flows Little Pine Creek, which eventually winds its way toward the legendary waters of Pine Creek and the Pennsylvania Grand Canyon. The warm and coldwaters of Little Pine Creek and Little Pine Lake make the park the perfect place to catch trout, smallmouth bass, pickerel, sunfishes, catfishes and perch.But Little Pine is more than just a fishing destination. It's a story of conservation, of Civilian Conservation Corps craftsmanship, of reclaimed forests and carefully managed waters.It's a place where families pitch tents beneath the stars, where kayaks glide across the lake and where generations return year after year to reconnect with something slower, steadier and deeply Pennsylvanian. Heading into the valley, there's just so much for visitors to explore. You can delve into the area's fascinating history of native cultures, discover how conservation efforts rebuilt ancient forests, find out about the vast network of trails in and outside of the park and learn about the ways you can enjoy a day on the water. Little Pine State Park is a quiet treasure. A special place. Completely surrounded by Tiadaghton State Forest, Little Pine offers the escape many of us crave. If you ignored the modern roads, buildings and signs, it's easy to see what this place looked like 200 years ago. A big, beautiful tract of forest that gets more wonderful every minute you spend in it.Where your nostrils are filled with the sweet smell of the woods and not with car exhausts. Where your ears are filled with songbirds and not honking horns. Where you can get away but still feel right at home. On this episode, I speak with Haley Redmond to the podcast. Haley is the manager of the Little Pine State Park Complex. Be sure to support our 2025 sponsors:Keystone Trails AssociationPurple Lizard MapsPennsylvania Parks and Forests FoundationSisters' SunflowersDiscover Clarion CountyGo Laurel Highlands Support the showVisit our website to learn more about the podcast, to purchase merch and to find out about our incredible sponsors. Follow us on Instagram and Meta to stay connected. Hosting, production and editing: Christian AlexandersenMusic: Jon SauerGraphics: Matt Davis

A new center in Philadelphia will support people with Lynch Syndrome, an inherited genetic condition that puts them at high risk for colon, uterine and other cancers. Penn Medicine's King Center for Lynch Syndrome is one of few centers in the world dedicated to Lynch syndrome. Pennsylvania Attorney General Dave Sunday said last week he will continue a lawsuit against a music-industry giant. The move breaks with the Trump administration -- at a time when Democrats say Sunday hasn't challenged the White House enough. There's a new wrinkle in Pennsylvania’s plan to use more than $700 million to expand high-speed internet access across the commonwealth. Fifty-six thousand Pennsylvania households live in manufactured homes. And many are experiencing significant increases in their monthly rent payments for the lots on which those homes stand. That's why Governor Josh Shapiro visited a Berks County manufactured housing community last week to call for reform, to protect Pennsylvanians from rent spikes. Support WITF: https://www.witf.org/support/give-now/See omnystudio.com/listener for privacy information.

A sustainable farming group in Pennsylvania is announcing the reinstatement of a $59 million contract that the federal government tried to claw back last year. Pennsylvania autism researchers and parents are founding members of the new Independent Autism Coordinating Committee. It’s meant to serve as an alternative voice to a federal committee overseen by Health Secretary Robert F. Kennedy Jr. -- a proponent of debunked theories about vaccines causing autism. A recent poll finds that 42% of Pennsylvanians do not want a data center built in or near their community. Gov. Josh Shapiro ordered state flags to remain flying at half-staff in honor of a soldier killed late last week in a training incident. Last Thursday, a U.S. Army soldier died during training at Letterkenny Army Depot in Franklin County. And a deep dive: One of Pennsylvania's neighboring states, Delaware, rolled out its retail marijuana market last August. The total volume falls far short of initial estimates.Support WITF: https://www.witf.org/support/give-now/See omnystudio.com/listener for privacy information.

Sign up for our newsletter! On this week's episode: A new initiative called Prepare PA is gearing up to help Pennsylvanians face the big challenges of the climate crisis, like more extreme weather and flooding. And 2026 is the International Year of the Woman Farmer. Women farmers in Pennsylvania talk about the growing diversity in agriculture. A sustainable farming group had a $59 million federal contract reinstated after the federal government tried to claw it back last year. A state House committee is advancing measures meant to protect Pennsylvanians from negative effects of new data centers. The Allegheny Land Trust has partnered with the Pittsburgh Penguins and a Pittsburgh-based natural gas company to purchase local forest carbon credits. Pennsylvania agencies will collaborate on recommendations for wildlife corridors. We're independent and non-profit, and we don't get money from WESA, WPSU or any other radio station. So we must turn to you, our listeners, for support. Take action today so we can continue to keep you informed.  Donate today.  Or send us a check to: The Allegheny Front, 67 Bedford Square, Pittsburgh, 15203.  And thanks! 

(00:00:00) Without professional interpreters, families can be shut out of essential moments—students unable to take required PSSAs, parents unable to understand a diagnosis, patients unable to follow a treatment plan. Language access is access, and too many Pennsylvanians are going without it. Global Wordsmiths, a Pittsburgh-based, women- and disability‑owned company led by CEO Mary Jayne McCullough, is expanding its language access services into Lancaster, York, and Harrisburg. To meet this need, Global Wordsmiths has already recruited and onboarded 20+ local interpreters, part of a network representing 200+ languages and cultural backgrounds. Their interpreters live in the communities they serve and receive ongoing training—something that sets the organization apart. (00:22:37) John Chapman (1774–1845), better known as Johnny Appleseed, was an American pioneer nurseryman who traveled across Pennsylvania, Ohio, Indiana, Illinois, Ontario, and parts of West Virginia planting apple trees grown from seed rather than grafts. His roaming orchards helped shape early American settlement and agriculture. Celebrated in his own lifetime, Chapman became known for his kindness, generosity, and early conservation ethic, turning apples into a symbol of frontier resilience. His legacy endures through museums, historic sites, and his status as a beloved American folk hero, including the Johnny Appleseed Museum in Urbana, Ohio.Support WITF: https://www.witf.org/support/give-now/See omnystudio.com/listener for privacy information.

(00:00:00) We begin with Julie Fitzpatrick, Executive Director of the Pennsylvania Downtown Center, and Ryan Unger, President & CEO of the Harrisburg Regional Chamber and CREDC. They break down ongoing revitalization efforts in downtown Harrisburg, why the city’s growth matters for the entire region, and how the new Downtown Harrisburg Perception Survey will guide future planning, investment, and community priorities. (00:22:51) Then we turn to cultural heritage with Dr. Michael A. Di Giovine, anthropologist and museum director, to explore how Pennsylvanians connect to their past through public memory, music and symbols like the Pennsylvania state song. He discusses how music, art, and storytelling help shape a shared sense of identity. Support WITF: https://www.witf.org/support/give-now/See omnystudio.com/listener for privacy information.

Welcome to Media Club Plus: a podcast about diving into the media that interests us and the stories that excite us. We're almost finished with M Night Shyamalan! This episode we watched Knock at the Cabin, and next time we'll be back with the most recent M Night movie Trap We've got a pretty good one! M Night is able to take a short and fairly well edited script and some excellent performances and turn out a fun if thin and messy take on a home invasion thriller (slop lord continues his work?) Couple Eric and Andrew are vacationing in the Pennsylvanian woods with their adopted daughter Wen when four weapon-weilding strangers (lead by human giant/elementary school teacher Leonard) force their way into the cabin and tie everyone up. These four have been having apocalyptic visions, and their goal is to get one member of the young family to sacrifice themself, and be killed by the other two, to prevent the end of the world. One by one the intruders kill themselves to herald a new disaster while the couple while Andrew and Eric figure out if that sacrifice is possible or even desired. Featuring Keith Carberry (@KeithJCarberry), Sylvi Bullet (@SYLVIBULLET), Ali Acampora (@Ali-online), and Arthur Martinez-Tebbel (@amtebbel) Produced by Keith Carberry Music by Jack de Quidt (available at notquitereal.bandcamp.com) Cover Art by by Annie Johnston-Glick (@dancynrew) anniejg.com You can find the screenshot post here This episode was made with support from listeners like you! To support us, you can go to http://friendsatthetable.cash ...Or find our merch here http://friendsatthetable.shop To find transcripts of the episodes, go to http://TranscriptsattheTable.com

The rise in the everyday use of electronic items has also contributed to an increase of electronic waste, filling already crowded landfills and increasing risks to the environment. How can electronic items be safely disposed of, and how can the public play a part in cutting down on e-waste? also on the program: The Pennsylvania Human Relations Commission (PHRC) formally released its State of Fair Housing in the Commonwealth of Pennsylvania. The report examines current housing conditions, patterns of discrimination, and structural challenges impacting access and affordability. It also advances key policy and enforcement recommendations, including strengthening protections against source-of-income discrimination, addressing disparate impact and segregation, improving code enforcement and habitability standards, and increasing accountability for affirmatively furthering fair housing. The report brought together state leaders, civil rights advocates, and housing experts to address ongoing disparities and outline a path forward to ensure equal housing opportunity for all Pennsylvanians.Support WITF: https://www.witf.org/support/give-now/See omnystudio.com/listener for privacy information.

(00:00:00) The Pennsylvania Human Relations Commission (PHRC) formally released its State of Fair Housing in the Commonwealth of Pennsylvania. The report examines current housing conditions, patterns of discrimination, and structural challenges impacting access and affordability. It also advances key policy and enforcement recommendations, including strengthening protections against source-of-income discrimination, addressing disparate impact and segregation, improving code enforcement and habitability standards, and increasing accountability for affirmatively furthering fair housing. The report brought together state leaders, civil rights advocates, and housing experts to address ongoing disparities and outline a path forward to ensure equal housing opportunity for all Pennsylvanians. (00:22:22)Prostate cancer is a malignant tumor of the prostate gland. The prostate is a walnut-sized organ located in front of a man's rectum and below the bladder. Prostate cancer usually grows slowly, so chances for successful treatment increase if doctors catch the disease early. Your age and the stage of the cancer will help determine your treatment. For some men, doctors recommend active surveillance — closely monitoring the tumor — instead of treatment.Support WITF: https://www.witf.org/support/give-now/See omnystudio.com/listener for privacy information.

About 1 in 5 Pennsylvanians dropped their Affordable Care Act health insurance due to the expiration of federal subsidies that covered monthly premium costs. Enrollees who purchase their insurance of the state's ACA Marketplace Pennie, have had to make difficult decisions. A federal judge is ordering an exhibit on slavery to be restored on Philadelphia's Independence Mall. The exhibit about nine people enslaved by George Washington is to be restored at his former home after President Donald Trump's administration took it down last month. Two teens are being charged in connection with the deadly shooting of a 15-year-old boy in Franklin County early Monday morning. Three Central PA counties are among the 10 Pennsylvania counties with the highest percentages for underage drinking offenses file from 2020-2024. AND A DEEP DIVE: Pittsburgh International Airport is discharging high levels of so-called 'forever chemicals' into nearby streams, according to recently released data. The chemicals are concentrated around a firefighting training facility. In uncertain times, our community counts on facts, not noise. Support the journalism and programming that keep you informed. Donate now at www.witf.org/givenow and Thank you!Support WITF: https://www.witf.org/support/give-now/See omnystudio.com/listener for privacy information.

(00:00:00) Opening (00:00:43) Midweek BONUS Stupidity (01:05:37) Insane Week In Review (01:19:36) Genius Awards (01:30:23) Closing You can't get more "'Merican" than a police officer named "Merica" who hops aboard a Ford pickup to nab a theif on a bike. You can't get more Pennsylvanian than a sibling squabble in a donut shop that include death threats over the last sticky bun. And you can't get more stupid than yelling, "6-7"... Well, yes you can actually. You can just yell, "Chicken Banana!"In this Midweek BONUS Episode...A Grown Man on Social Media Says He's Spending One Full Year in His Bedroom...to Be HealthierA United L-A To Nicaragua Passenger Ends Boards Wrong Plane—Arrives In TOKYOHomeowner Sets House Ablaze Using Blowtorch to Remove Roof IceDrunk airline passenger ejected after stripping off clothes and trying to jump off planePA Woman Trapped Inside Car Wash for Nearly an HourA Cop Named "Merica" Hitched a Ride in a Ford Pick-Up to Catch a ThiefExperts Taste Unearthed 150-Year-Old Bottle Of Alcohol In UtahBillie Eilish's House Is on Former Native American Land, and the Tribe Wishes She'd Mentioned ThemPolice In PA Called to Break Up Sibling Squabble Over The Last Sticky BunFL Mother arrested after staff member finds gun in pre-K student's backpack at schoolDiner Posts A Sign Banning Customers Who Stink of WEEDJetBlue Flight Grounded For Hours Because Staff Would Not Remove Poop in Clogged ToiletFL Cold Snap Inspires Iguana Meat Pizza at North Palm Beach Restaurant[STUPIDITY WRITES ITSELF] Former public toilet to become Mexican restaurantBrutal Sport: 2 Guys Run Full-Speed Into Each OtherThe ShamWow! Guy Who's Running for Congress as a Republican Just Dropped His First AdA Guy Did Donuts on a Frozen Lake and Fell Through the IceConnecticut Preschooler Summoned For Jury Duty'Chicken Banana' Emerges as Latest Gen Alpha CatchphraseNatty Light Released Lawn Mower "Lawngerie" for Valentine's DaySupervisor Creates 'Hurt Feelings Report' After Employees Complained They Were Constantly Being Yelled AtThere's plenty of stupidity every week from the current events in the Insane Week In Review as well as the glittering jewels on the crown of stupidity from this week's Genius Awards!Become a supporter of this podcast: https://www.spreaker.com/podcast/insane-erik-lane-s-stupid-world--6486112/support.Real-time updates and story links are found on the TELEGRAM Channel at: https://t.me/InsaneErikLane  (Theme song courtesy of Randy Stonehill, ”It's A Great Big Stupid World”. Copyright ©1992 Stonehillian Music/Word Music/Twitchin' Vibes Music/ASCAP) Order your copy on the Wonderama CD from Amazon!This episode includes AI-generated content.

Temperatures are moderating for a few days. But many of Pennsylvania’s rivers remain ice-covered. And the Pennsylvania Fish and Boat Commission is reminding people to stay off icy rivers, streams and creeks. That’s because water still flows under the ice and can sweep victims away. Many PennDot Driver License Centers across the Commonwealth are now renovated and upgraded. This year, Pennsylvanians whose disabilities started before the age of 46 can apply for a program known as PA ABLE, which stands for Achieving a Better Life Experience. U.S. Senator Dave McCormick of Pennsylvania is announcing the allocation of over $270 million in federal funding for various infrastructure, education, healthcare, and community restoration projects. The Lancaster Airport Authority is receiving the largest amount, $5 million to expand its main terminal. The School District of Lancaster apparently overspent $10 million during the 2024-to-25 school year. Administrators say they suspect an accounting error resulting from faulty software, that didn't correctly calculate salaries and benefits. Former Pittsburgh Mayor Ed Gainey has a new job, one month after stepping down. Gainey is the newest commissioner on the Pennsylvania Gaming Control Board, which oversees casino and online gambling in the state. If you're already a member of WITF's Sustaining Circle, you know how convenient it is to support programs like this. By increasing your monthly gift, you can help WITF close the budget gap left by the loss of federal funding. Visit us online at witf.org/increase or become a new Sustaining Circle member at www.witf.org/givenow to help build a sustainable future for WITF and public media. Thank you.Support WITF: https://www.witf.org/support/give-now/See omnystudio.com/listener for privacy information.

Governor Josh Shapiro touted the benefits of AI data centers during Tuesday's budget address, responding to widespread opposition with a series of regulatory proposals. Also in his budget address this week, Governor Shapiro urged lawmakers to pass a school cellphone ban. State senators appeared to heed the call, passing their version of the bill late Tuesday. Immigrant rights advocates say ICE has been targeting Philadelphia’s Criminal Justice Center, arresting immigrants in areas around the building. At a rally earlier this week, they called on Sheriff Rochelle Bilal to do more to protect immigrant residents at the courthouse. In the past, if a Pennsylvanian died without a will or heirs, the Commonwealth would get their estate. Under a change in law that took effect in January, those assets will now go to community foundations. Emergency crews battled a blaze and evacuated patients from a hospital Wednesday night in Northeastern Pennsylvania. All patients, staff and visitors were safely evacuated from Lehigh Valley Hospital in Dickson City, according to a hospital spokesperson. A Lancaster County prison inmate died Sunday, two days after he had been found unresponsive in his cell, according to prison officials. 61-year old Erik Guenther of Lebanon was found by prison staff unresponsive in his cell early Friday morning. Lancaster City Council unanimously approved the appointment of Easton McDonald as the city's new police chief Tuesday night. Penn State hockey star Gavin McKenna is being charged with felony assault following an incident on Jan. 31. Retired Justice Sandra Schultz Newman has died. Newman was the first woman elected to the Pennsylvania Supreme Court. And a deep dive... and tribute to a local music legend: Al Shade of Gratz, Dauphin County, recently passed away at the age of 98. In honor of Al’s legacy, we’ll listen back to a 2017 WITF Music session with WITF's Joe Ulrich, in which Al performed a few songs and talked about his life and work. Central PA country music legend Al Shade dies at 98 | WITF Music If you're already a member of WITF's Sustaining Circle, you know how convenient it is to support programs like this. By increasing your monthly gift, you can help WITF close the budget gap left by the loss of federal funding. Visit us online at witf.org/increase or become a new Sustaining Circle member at www.witf.org/givenow to help build a sustainable future for WITF and public media. Thank you.Support WITF: https://www.witf.org/support/give-now/See omnystudio.com/listener for privacy information.

A new report has found how much Pennsylvanians need to make in order to “comfortably afford” child care. Another Starbucks has unionized. There's an “arctic blast” heading our way. Finally, the tallest living female dog — who's nearly half the size of Michael Jordan — has Pittsburgh roots. 

Interview with Smitti Supab of Captain Buckles After years of incubating, Captain Buckles has found its own trademark sound steeped in the grooves and funk of New Orleans and the elements that make American music emotionally moving and stylistically unique. The band jams hard while emphasizing musical exploration and dynamic subtlety, showing the inspiration from of icons like The Meters, Allman Brothers, and The Band but utilizing those influences to create a style all their own. The members of Captain Buckles include New Orleans born-and-raised Rob Davis and drummer Ezell Smith Jr., as well as Los Angeles transplant Smitti Supab on bass, Pennsylvanian keyboardist Phil Breen (yep, the group has two guys tickling the 88's), who've both played professionally in the Crescent City for 13+ years. Florida ex-pat Alex Mallet is the newcomer of the crew having arrived a mere eight years ago. Before forming Captain Buckles, the members had performed with each other in various line-ups for years between touring as backing musicians with national and international acts like Eric Lindell, Samantha Fish, Russell Batiste, John , Glen David Andrews, and many others. They transitioned to working as a distinctive, butt-shaking unit all their own two years ago, a no-nonsense brotherhood of hard-working sidemen, championing good vibes and an intense love of music.   Captain Buckles Info: www.captainbucklesband.com  facebook.com/captainbucklesband instagram.com/captainbucklesband open.spotify.com/artist/3q8yPNmKITP14G9YOEnnrV www.youtube.com/@captainbucklesband music.apple.com/il/artist/captain-buckles/1758847494 www.amazon.com/music/player/artists/B0D9WR9Y79/captain-buckles captainbucklesband.bandcamp.com      

Pennsylvania’s 67 counties are once again urging state lawmakers to increase funding for technology and staff needed to answer 911 calls. They’d do that by raising the surcharge on residents’ phone lines. Mental health and drug treatment advocates in Pennsylvania are reeling after the federal government recently cut their funding and then quickly reversed the cuts. Nearly 500,000 Pennsylvanians got health insurance last year through Pennie, the state’s Affordable Care Act marketplace, marking a record enrollment. But thousands have dropped coverage for 2026 after the loss of federal premium subsidies. The Pennsylvania Game Commission is pausing its proposal to move up the start of firearms deer season...for now. The decision comes after heavy backlash from the hunting community. A man is dead after being shot by a PA state trooper in Lebanon County. A State Police spokesman says troopers were serving a warrant as part of a child pornography investigation, when the unidentified suspect confronted troopers “in a manner which resulted in members discharging their firearms.” A Pennsylvania state lawmaker who also leads a trade group is announcing he's resigning effective this Saturday, January 31st. State Rep. Seth Grove is a Republican who represents York County. Governor Josh Shapiro is preparing to release a long-awaited plan to tackle Pennsylvania's housing crisis, according to reporting by our partners at Spotlight PA. That crisis includes soaring rents, rising homelessness, a housing shortage, and home ownership that is out-of-reach for many families. Traffic and noise may increase around Cumberland County's Naval base. Officials are in the midst of a two-week-long force protection exercise that began on Monday. If you're already a member of WITF's Sustaining Circle, you know how convenient it is to support programs like The Morning Agenda. By increasing your monthly gift, you can help WITF close the budget gap left by the loss of federal funding. Visit us online at witf.org/increase or become a new Sustaining Circle member at www.witf.org/givenow to help build a sustainable future for WITF and public media. Thank you.Support WITF: https://www.witf.org/support/give-now/See omnystudio.com/listener for privacy information.

Pennsylvania lawmakers and consumer advocates are blaming new data centers for rising home energy prices. A new statewide program is designed to preserve and expand Pennsylvania's supply of affordable rental housing for residents at risk of homelessness. The State Department of Environmental Protection is encouraging Pennsylvanians to test their homes for radon during Radon Action Month in January. The federal government is buying a former Schuylkill County distribution center with plans to turn the site into a processing facility for Immigration and Customs Enforcement, or ICE. The Pennsylvania Game Commission is considering adding more than 1,100 acres of additional state game land across the state. Hersheypark is announcing upgrades and expansions to its attractions for 2026. Plans include a new hotel, a new restaurant, and new features at its water park known as The Boardwalk at Hersheypark. In uncertain times, our community counts on facts, not noise. Support the journalism and programming that keep you informed. Donate now at www.witf.org/givenow. And thank you. Support WITF: https://www.witf.org/support/give-now/See omnystudio.com/listener for privacy information.

Republican Congressman Brian Fitzpatrick broke with his party last week when he led a discharge petition to extend healthcare subsidies for three years. A new online tool is set up, to connect Pennsylvania's SNAP recipients with volunteer opportunities. It's designed to help recipients meet the new federal work and reporting requirements to keep their benefits. Harrisburg is named number two in the nation for first-time homebuyer affordability, in a new study by Realtors.com. Last year, Harrisburg was in the top spot. A public forum on Cumberland County's data center development - originally slated for Tuesday (January 20th) is postponed because organizers are searching for a larger venue. The Cumberland County Planning Commission says overwhelming public interest was pushing the event to capacity at a Dickinson College auditorium. The expansion of broadband across Pennsylvania is on hold, as federal officials miss a self-imposed deadline to review the state's spending plan. That means hundreds of millions of dollars to help fund the expansion are also on hold. The enhanced tax subsidies that helped millions of Americans pay for their health insurance expired at the end of last year. Thousands of Pennsylvanians are dropping their health coverage and others are seeing their rates skyrocket. In uncertain times, our community counts on facts, not noise. Support the journalism and programming that keep you informed. Donate now at www.witf.org/givenow. And thank you!Support WITF: https://www.witf.org/support/give-now/See omnystudio.com/listener for privacy information.

Grab a beer and join us tonight for another installment of Necro Overtime! Tonight we're digging into the case of Jonathan Gerlach, the Pennsylvanian accused of breaking into mausoleums and graves at Mount Moriah Cemetery and stealing human remains. Cops say they caught him coming out of the cemetery with tools and a bag of remains, and that search warrants later led them to more than 100 sets of human remains at his home and in a storage locker, along with signs he was selling bones online. Learn more about your ad choices. Visit megaphone.fm/adchoices

In this New Year episode of the Pennsylvania Woodsman, Mitchell is joined once again by Jason Goe from Final Stand for a wide-ranging conversation that blends late-season deer hunting tactics with honest reflection on priorities, pressure, and purpose. The discussion moves through practical topics like late-season scouting, mobile setups comparing climbers and saddles, managing hunting pressure, and how Jason balances hunting across Pennsylvania and Maryland. Along the way, they unpack how gear choices, access, food sources, and pressure shape late-season success—and why adapting your approach matters as seasons, landscapes, and life circumstances change.As the conversation deepens, the focus shifts beyond tactics to mindset. Mitchell and Jason openly wrestle with comparison, social media pressure, goal-setting, and the challenge of staying present in the woods—especially as fathers introducing their kids to hunting. From sharing campfires and deer drives to slowing down hunts so young hunters can enjoy them, the episode highlights the importance of fellowship, mentorship, and keeping hunting fun. It's an honest reminder that success isn't always measured in filled tags, but in shared moments, growth, and learning to “run your own race” in the woods and in life. Learn more about your ad choices. Visit megaphone.fm/adchoices

America’s growth from a rugged frontier nation to the globe’s industrial superpower in the space of 100 years can be explained by one word: coal. Before coal dominance, American buildings were defined by height limits imposed by stonework. The tallest building in the 1830s was Baltimore’s 235-foot tall Phoenix Shot Tower. Transportation also worked poorly without coal. The early wood-fired 4-4-0 locomotives struggled with top freight speeds around 15 mph and pulling trains of approximately 450 tons. The transition to coal and cheap steel enabled the steel-supported 555-foot Washington Monument and allowed massive coal-fired trains to achieve express passenger speeds up to 100+ mph and haul loads over 4,000 tons. For a century the entire world was dependent on coal. It powered railroads, built urban skylines, and provided warmth, light, and power for families rich and poor. Although the American economy soared, society unknowingly suffered from coal’s debilitating health and environmental impacts. Skies were so dirty that on some days, visibility was limited to a few feet. Coal miners frequently died from cave-ins, explosions, or contracting black lung. Towns like Centralia in Illinois were fundamentally destroyed by an underground fire started in 1962 that continues to burn. Today’s guest is Bob Wyss, author of “Black Gold: The Rise, Reign, and Fall of American Coal.” We look at a range of figures that were part of coal’s story, from a largely unknown and unrecognized Pennsylvanian inventor who helped spark the Industrial Revolution to a prominent society clubwoman who clashed with the powerful coal forces in Utah that were fouling the air and sickening residents. It also includes clashes between powerful tycoons, coal miners, and the American public.See omnystudio.com/listener for privacy information.

Keith reviews the state of the real estate market, noting that existing home sales are down about 33% from their 2021 peak, while prices remain firm due to low supply and high demand.  Affordability challenges are driven by stagnant wages, inflation, and higher mortgage rates, with 70% of mortgage holders still locked in at rates below 5%.  He observes that in certain markets, new construction may now offer better investor terms than comparable existing properties, especially where builders buy down rates.  The episode highlights a comparison of nearly a century of asset class returns, reporting real estate's long-term annual appreciation at approximately 4.7%. Episode Page: GetRichEducation.com/583 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, how do other audiences feel about the GRE mantras that we've come to love here, like financially free beats debt free and don't get your money to work for you? Then sometimes it's not what you're attracted to in life, but what you're running away from finally comparing the returns from six major asset classes over the past century all today on get rich education    Keith Weinhold  0:29   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  1:18   You're listening to the show that has created more financial freedom than nearly any show in the world. This is get rich education.   Keith Weinhold  1:34   Welcome to GRE from Kennebunkport, Maine to Bridgeport, Connecticut and across 188 nations worldwide. It is the voice of real estate investing since 2014 I'm Keith Weinhold, and I'm grateful to have you here with me, and we're doing something a little different today, as you'll soon listen in to me as I was on the hot seat being interviewed on another prominent real estate show. But first, when you pull back and ask yourself, why you're really an investor in the first place? There are so many reasons. Maybe you just want a few properties in order to supplement your day job income. Maybe you want to have more than a few so that you can completely replace that active income, or perhaps rather than going the route of building up your cash flow, which is valid, but some think that it's the only way to real estate financial freedom. Instead, you could own, say, nine doors or 22 doors, and even if they all had zero cash flow, you can just keep borrowing against that leverage and equity tax free and live off of that whatever you do when it comes to your day job, income, your degree of disdain for your nine to five job that is going to be greater or less than it is for some others. So your motivation for self improvement, it isn't always about what you're running to in life, which could be real estate investing, but it's also what you're running away from, especially if you don't get a deeply rooted sense of meaning from your job. So you could have both a push factor and a pull factor in what motivates you. There's a scene from the 1999 movie Office Space that just does this incredibly unvarnished job of saying out loud how so many of us feel today. What I'm going to share with you, I mean, you know that you have felt this at least once in your life. Office space wasn't supposed to be a mega hit movie, but it kind of was, because it's so relatable. Let's listen in to part of this clip. This is Ron Livingston playing a disgruntled male employee talking to Jennifer Aniston at a restaurant about his job in the movie Office Space.   Speaker 1  4:09   I don't like my job, and I don't think I'm gonna go anymore. You're just not gonna go. Yeah, won't you get fired? I don't know, but I really don't like it, and I'm not gonna go.   Keith Weinhold  4:24   Then it continues when she asks. So you're just gonna quit? No, not really. I'm just gonna stop going. When did you decide all of that? About an hour ago? Really? Yeah, aren't you going to get another job? I don't think I'd like another job. What are you going to do about money in bills and all that? I've never really liked paying bills. I don't think I'm going to do that either.   Keith Weinhold  4:53   That's it. That is the end of that classic dialog from office space that we can. All relate to you did not wake up to be mediocre, but a lot of people's jobs pummel them into a rather prosaic state. You were born rich because you were born with this abundance of choices, this huge palette in menu, but society often stifles that and makes you forget it, and it gets really easy to just fall into your groove and stay there. The main reason we aren't living our dreams is really because we're living our fears. Failure doesn't actually destroy as many dreams as people think fear and doubt. Does fear and doubt destroy more dreams than failure ever does financial runway? That is a phrase for the amount of time that you can maintain your lifestyle without the need for a paycheck. And it's critical for you to lengthen this runway if you hope to retire early, and it will dramatically reduce your stress level. An example is say that you currently earn 150k per year after taxes, and you spend 126k of that, all right. Well, that means you've got a surplus of 24k a year. Well, it's going to take you a little over five years to accumulate that 126k that you need to annually support your lifestyle. That's what happens if you don't invest. And see investing helps you lengthen your financial runway, that amount of time you can maintain your lifestyle without the need for a paycheck. That's what we're talking about here. Last week I brought you the show from Caesar's Palace in the center of the Las Vegas Strip. So therefore, what I've done is I have gone from the ostentatious and flamboyant over here to the familial and simple as this week I'm in Buffalo New York, broadcasting from a somewhat makeshift GRE studio here, the Buffalo Bills had a home game yesterday, so the city and hotels are busier than usual. Next week, I will bring you the show from upstate Pennsylvania, as I'm traveling to see my family. Let's listen in to me on the hot seat. I was recently a guest on Kevin bups long running real estate investing show. You're going to get to see how I present information and GRE principles for the first time to a different audience. And as I do, you're going to hear me provide new material, but you'll also hear me say quite a few things that I have told you before, even then, the concepts might land differently when I'm explaining them to a new audience. The show is based in Florida, so We'll also touch on the real estate pain and opportunity there. After I'm interviewed, I'm going to come back and tell you about something fascinating. I'm going to compare the returns from six major asset classes over the past century, since 1930 anyway, and that's going to include the first time on the show where I'll tell you real estate's annual appreciation rate over the last entire century. Just about what do you think it is? 8% 5% 3% you're gonna have, perhaps the best answer you've ever had. Here we go.   Kevin Bupp  8:31   Now, guys, I want to welcome back a guest that we've had on. It's been a number of years now. Keith Weinhold, I went back to look at the last episode we had him on. I think it's been about four years. So, you know, four years ago, the world was in the very different state. It was a very different time. And so, you know, thankfully, we're out of the covid era and on to newer and greater things. So for those that don't know Keith, he's the founder of get rich education. He's the host of the popular get rich education podcast. He's a longtime thought leader in the real estate investing space, and like myself. Keith was also born and raised in Pennsylvania. For those that know don't know, I was born and raised in Harrisburg, Pennsylvania, Keith, I believe, a couple hours away from where I was. But Keith has very much a unique perspective on wealth, building debt, and really the housing market as a whole. And today, you know, we'll be diving into everything you know, from why the property itself? This is something that Keith kind of coins, why the property itself is less important than you think, to how the housing crash has already happened in a way that most people don't even realize, to the role inflation and debt play in building long term wealth. And so again, it's been a number of years here, so I'm excited to welcome Keith back here. So my friend, Keith, welcome to the show. It's it's a pleasure to have you back here again, my friend.   Keith Weinhold  9:43   Oh, Kevin, it's good to be here and be in the auspices of another fellow native Pennsylvanian as well.   Kevin Bupp  9:49   That's right, that's right, yeah, no, Pa is rocking and rolling as I think I told you this little, this little tidbit last time everyone, every time I speak with someone from Pennsylvania, they never know this. But I'm going to share this fun fact. Are you already know, Keith. I'm gonna share it with the rest of the listeners here today, Pennsylvania, those that are born and raised there. It's the only state where, if you're from Pennsylvania, you refer to it by its initials, and you assume that everyone else, everywhere else across the country, they know what you're talking about when you say I'm from PA and that's the only state that does that. So I think it's pretty neat.   Keith Weinhold  10:19   That's right. No one else does that. No one else says, I'm from TN, if they're from Memphis, right?   Kevin Bupp  10:24   They don't, they don't. So with that, my friend. So, you know, it's, again, it's been a number of years since we, since we had you last on here, you know, let's start with just, let's back up a little bit. You know, what have you been up to? I mean, what, what have the last few years look like for you? Where have you been spending your time, energy and efforts? Obviously, it's, you know, we've gone through some quite a bit of turmoil over the last five years, and would love to just get an update as to what's going on your life.    Speaker 2  10:48   Well, one of the big words in real estate investing, we all know it, even the person that cuts your hair and cleans your teeth knows it, and that's affordability. You know, really, affordability has been under fire, under pressure. By a lot of measures, we have the worst affordability for home buying since the early 80s, when the Jeffersons was on television. So it's been helping a lot of people deal with that. It's really the effect of three things, general inflation, higher home prices and higher mortgage rates. Really, those three things the crux of the problem. It's not exactly inflation, really. It's the fact that over the long term, wages don't keep up with inflation. And really that's the crux of the affordability problem. So I've been helping people deal with that and put that in perspective, really, Kevin,   Kevin Bupp  11:42   what does that mean for, you know, investment, real estate? I mean, are you still still doing deals? Are you seeing deals still get done by your students? I mean, what? What's your world look like?   Keith Weinhold  11:52    Yeah. I mean, I think you're asking, you know, how many deals are taking place? One way to measure that on a national basis is existing home sales. You know, existing home sales have been down substantially. And when a lot of people hear that, they think, prices, oh no, we're not talking about prices. We're talking about existing home sales. That means sales volume. That means the amount of overall transactions. So to give an idea of a real estate market, a residential one that's become pretty lethargic and not very vibrant, is that sales volume. It had its recent peak of about 6 million home sales back in 2021 I mean, 2021 was crazy, kind of the crux of the pandemic, you know, Kevin, that's when for an open house. You saw cars wrapped around the block for just one open house. Okay, well, that year 2021 there were 6 million existing home sales. Today, we're on pace to do about 4 million, and we also did only about 4 million last year. So if you put that in perspective and think about what that means, prices have stayed stable, but that's a 33% reduction in transactions. So investors, you know, people like you and I, Kevin, we're not as affected by this as some other industries. But think about the mortgage loan industry. If you're doing 33% fewer transactions, think about the hard decisions companies have to make and lay people off. 33% fewer transactions for title companies. It's probably close to 33% fewer transactions for furniture companies as well. So really it's both affordability that's been a problem, and that's led to this relative lethargy, kind of a slow, not very interesting residential real estate market, at least from the transaction perspective, really, really slow.   Kevin Bupp  13:58   But Could, could one not argue, I don't know the data points. Keith, I guess, what did it look like? 2021? Was kind of the peak. I think you'd reference 6 million units a year. Transactionally, what did it look like prior? What, what was, what was a more normal year like? And maybe 2020, wasn't a normal year either, right? Because a lot of folks thought the role was ending for a period of time. You know, 2019 maybe just again, trying to, trying to find maybe a better baseline to use. And then, you know, does, I guess, in my mind, and I don't follow these data points as much as you do, is that maybe 2021, was, you know, somewhat artificial inflation, right? Lots of lots of money pumping into the marketplace. And ultimately, we had to get back to a sense of normalcy at some point in time. And so are we at a at a place of normalcy? Are we still behind the eight ball a little bit?   Keith Weinhold  14:44   We're still behind the eight ball a little bit. 5 million is more of a normal long term number. But yeah, I mean, if we've got 4 million now, that's, you know, 25% less still than 5 million, sort of this long term normalcy rate of existing. Home transactions. And if you're a careful listener, you notice I've been using the word existing that doesn't include new build. So you know, when you the listener out there reading headlines, always look at that closely. We talking about existing? Are we talking about new build? You can learn a lot from that when you introduce new build data that introduces an awful lot of noise. For example, even when we look at prices, sometimes we want to exclude new construction. So why is that? Why do we want to focus on existing a lot? Well, because new build can introduce a lot of aberrations to the market. For example, the size of new build properties has dropped substantially the past few years, again, coming back to the central theme of affordability to help make a home more affordable. So we're not looking at same same when the square footage of a property drops a lot. And also, another thing that's been happening as a response to the lack of affordability is you have more builders building further and further out from a central business district where there are lower land costs for that new build property as well to help meet affordability. So the takeaway is, yeah, we want to be careful when we look at numbers. Are we looking at existing? Are we looking at new? Are we looking at overall properties.   Kevin Bupp  16:22   If you believe that if rates come down, we really is that the is that the lever that has to be pulled in order for that transactional volume to kick back up and, you know, make homes more affordable for the average home buyer,   Keith Weinhold  16:34   yeah, it's certainly going to help. I mean, really lower rates is the most likely significant lever that can help with the affordability crisis. Prices are pretty firm. Home prices are up 2% year over year. It's difficult for home prices to fall. In fact, home prices have only fallen one time substantially since World War Two. A lot of people don't realize that. So home prices are firm. I expect them to stay firm. And then the other lever is if we get a huge surge in wage increases, which I really don't expect anytime soon, unless we have another really big bout of inflation. So to your point, yes, lower mortgage rates like, that's the biggest lever that can help affordability return. And to speak to mortgage rates, Kevin and help put all of this into perspective, including this affordability component, is the fact that today, mortgage rates are low, and that gives a lot of people pause. They're like, What are you talking about? Mortgage rates were 3% even as low as two point some percent, just as recently as 2021 and early 2022 What are you talking about? Like, mortgage rates are 2x to 3x that today we look at a long term perspective when we look at the arc of mortgage rates, instead of in setting up expectations where we think rates could go. And we need to look at a frame of reference. Mortgage rates peaked over 18% in 1981 that's if you had a good credit score and everything on a 30 year fixed rate mortgage. That's what we're talking about here. In fact, Freddie Mac, they're the ones that have the best, most reliable stat set for mortgage rates, and that goes back to 1971 the average mortgage rate since 1971 all the way up to today, through all these presidential administrations you know, Nixon and in the Reagan years, and Clinton and the bushes and Obama, everything You know up to today, from 1971 until today, the average 30 year fixed rate mortgage is 7.7% so that's why I talk about how mortgage rates are, you know, moderate to a little low today. That takes a lot of people back. I don't see any impetus. It's going to get us back to, say, 3% mortgage rates. So some real perspective here.   Kevin Bupp  19:06   Yeah, yeah, no. And, you know, the interesting thing again, you might have data points on this to see, is a lot of the lack, do you feel that a lot of the lack of transactional volume is also related to those folks that have locked in, you know, 3% you know, mortgages, right? Like they're they, why would they sell and ultimately trade into a, maybe a, you know, a, you know, upgrade of a home, but ultimately be paying significantly more than that of what they're paying at the present time, you know, double the cost of capital. Your rates today, 30 year, rates are where the six and a half, 7% range, I don't follow it, but yeah.   Keith Weinhold  19:42   I mean, as of today, 6.3% is is where they're at. But yeah, you have a lot of those homeowners locked in to low rates. I mean, first, if we just pull back and look at the overall homeowner landscape, four in 10 have a paid off property. So just to talk to those about the other. Or 60% that percentage that are mortgage borrowers, among borrowers, 70% still have a mortgage rate under 5% meaning it starts with a four or less. So yeah, you're bringing up astutely Kevin the lock. In effect, people are reluctant to sell and give up that rate to trade it for a higher rate. And here's what's interesting, a lot of people if they couldn't make the payments on their home and say they lost their home, something that actually happened a lot in 2008 when people were locked into in sustainable mortgages because they didn't have good credit and they didn't have good income, the borrower is in good shape today. But even if, for some reason, they couldn't make the payments on their home, and they lost their home and they had to rent. Rents are actually higher in many cases, than what that mortgage principal and interest payment is. Maybe even the mortgage principal interest, taxes and insurance that they pay today are lower than what comparable rent would be, and this helps stabilize the housing market, people are really motivated to make their payments, and they can easily do it when it is so low, speaking to that lock in effect, and we're bringing up another reason now why transaction volume is so low, that lock in effect. So homeowners are in good shape. Their payments are sustainable. They don't want to sell, and they're just staying put. They're staying in place   Kevin Bupp  19:42   tying that all back around. Keith, what does that mean for us real estate investors? I mean, is there still good value out in the marketplace? I mean, is the rent to value ratio still, you know, Is there good opportunity to be had, as far as ROI for an investor that wants to buy into a residential investment or a multifamily investment, or anything related to that of residential housing?   Keith Weinhold  19:42   Well, the deals in the one to four unit space, single family homes up the four Plex buildings, yeah, just are not as good as they used to be. The ratio of rent income to purchase price is lower than it was five years ago. And that's so simple, but that's just really the simplest formula for profitability for a real estate investor, you don't have to look at cap rate or or NOI in the one to four unit space. Let's just look at that ratio of rent income to purchase price. 20 years ago, it was easy to find a full 1% meaning, on a 200k property, you could get $2,000 worth of rent income. That's that 1% ratio. But now oftentimes you've got to find something that's more like seven tenths of 1% that would be a $1,400 rent on a 200k property. So that simple formula, and I love that, the rent income divided by the purchase price when I'm looking at properties, when I'm scrolling or scanning like that's a calculation you can do in your head. It's only if I would see a ratio that appears really good, oh, that I would like drill down and look at that property more closely. So of course, when you have something that is that simple, though, rent income divided by purchase price, there's a lot of things that doesn't tell you. You know, what kind of mortgage interest rate can you get? What kind of property tax Do you pay in that jurisdiction? But really, I love the simplicity. That's it, rent divided by price, but it has been under attack. Now today, I still don't know where you're going to get a better risk adjusted return than you do with a carefully bought income property with a loan. I've always liked fixed interest rate debt the best risk adjusted return anywhere. I really don't know of a better one than with buying real estate, because real estate investors have so many profit centers, five simultaneous profit centers, which few people understand. Yeah.   Kevin Bupp  19:42   So using that, I want to, I want to unpack the the 1% rule a little bit for those that aren't familiar with it. And again, there's a lot of variables there, as you had mentioned, you know, mortgage rate, taxes, insurance and that respective market that you that you're buying in, and so what? What are you really trying to back into when applying that rule? Is there? Is there? Is there a true cash on cash return that you're hoping to achieve, again, assuming all these other variables that we just don't know, what they are at this point, you know? Is there a target range of actual ROI that you're actually looking to achieve when applying that 1% rule?   Keith Weinhold  19:42   No, I'm just looking for any positive cash flow. You know, to your point, yeah, there's nothing like the cash on cash return needs to be at least three and a half percent or something like that. But, yeah, I still like buying a property that's that's greater than a break even. Inflation is probably going to increase your cash flow over time, even if you bought a property that that broke even or just had a trickle of cash flow or a $100 cash flow today, a lot of people don't understand that fact that right there you can't count on it, you shouldn't count on. Getting rent increases. But we all know it generally happens over time at a rate of about 3% a year, but it actually increases your cash flow. If you increase your rent 5% your cash flow can often increase something like 12% why is that? How could that happen? That's because, you know, it's key for the person that was listening closely, you get fixed interest rate debt, so your rent income goes up, your expenses increase, except for that mortgage principal and interest. Inflation can touch it. It's kind of like a mosquito buzzing against a window and always trying to get in. And inflation can't touch that in a way. It's sort of like debt that's an asset in some unusual way, or some play on words, getting that debt so So yes, you can't count on rent increases over time. We know what typically happens, and that's really part of the compelling value proposition of buying income property with a loan. You're sort of leveraging inflation. You're really on the right side of it.   Kevin Bupp  20:08   Are there any particular markets that you feel are ripe for opportunity today where you're spending your focus and energies in?   Keith Weinhold  20:08   Yeah, it's still in high cash flowing markets like Memphis, okay, little rock and a good part of the Midwest and the Midwest still has home prices appreciating faster than the national average as well. So those are some of the areas that I like. Those jurisdictions also tend to have laws, as your listeners might know this already, Kevin, they tend to have laws that benefit the landlord more so than the tenant, where you can get a prompt eviction, but those are still the areas where you do get that high ratio of rent income to purchase price on a single family rental home, you might still find eight tenths of 1% meaning $800 worth of rent for every 100k of property purchase in places exactly like that.   Kevin Bupp  20:08   I was hoping that you tell me 1% rule would is applicable.   Keith Weinhold  20:08   It's pretty rare. You know, if you do see, if you do see a property that has a full 1% rent to purchase price ratio, it could be in a sketchy area, you need to make sure that you can actually get the rent in like you would get a respectful rent paying tenant in there. That's something that we would have to look at more closely.   Kevin Bupp  20:08   Have you explored building new product? Is there an opportunity there getting at a lower basis by building ground up?   Keith Weinhold  19:42   You asked such a smart question. This is actually the first time ever, as long as I've been an active real estate investor, Kevin for more than 20 years where new build purchases for income property make more sense than existing purchases. Why is that? It's because builders know that investors and borrowers are struggling to buy and afford property and make the numbers work. Like you're talking about, that builders are incentivized to buy down your rate. For you, to buy down your mortgage rate, we deal with a lot of providers that buy down your mortgage rate to 5% or less for you, and this is a fixed, long term loan in order to help get the numbers to work. You know, especially where you might see a new build property where the rent to purchase price ratio is less than seven tenths of 1% and it's just like, ah, the numbers wouldn't work paying a higher mortgage rate, but some are willing to buy them down to as little as four and a half. However, if you're looking into buying a new build income producing property, you do want to look at that closely. Who is paying for the discount points to buy down the rate. Is it the builder, or is it you? Because some builders just suggest, hey, you can buy down. You can have your rate bought down. But yeah, the next question is, yeah, okay, who is actually doing the buy down? Yeah.   Keith Weinhold  19:43   I mean, just getting tacked on. I mean, in that instance, I'm assuming that a lot of it's just getting tacked on to the to the back end of the purchase price, or it's being baked into closing costs somewhere somebody is paying for it. More than likely the borrower is paying for it. Paying for it. Is that? Is that? Again, I'm assuming we probably have that here in Florida. Again, I don't really follow the residential market too much, but there's, as you had mentioned, like, kind of on the the outskirts of Tampa, the tertiary, necessary, tertiary, probably more secondary areas. That's where a lot of the builds are happening. Lots of these, you know, planned subdivisions. You know, hundreds and 1000s of homes being put up. And in my understanding, through the grapevine, is I hear that they're, you know, sales volumes is incredibly slow, and a lot of these builders are now offering some creative loan products, again, to what you've just stated there, to attract, not necessarily even just homeowners, but also investors, to come in and buy their product from them. Is, is there a real opportunity there, though? I mean, have you seen investors be able to benefit from buying brand new product at a fair price, with economics at work keeping as a rental?   Keith Weinhold  29:53   I have and Florida has some builders that are almost desperate. I'm a long time investor. Know personally, directly in Florida, income property, Southwest Florida, places like Cape Coral, they have been ground zero for real estate depreciation, a contraction in real estate values year over year of 10% or more in some southwest Florida markets. So like the post pandemic, migration boom is certainly over in Florida. And you know, Kevin, as little as 10 years ago, people used to talk about buy in Florida. It's cheap, it's sunny, cheap and cheerful, like you would sort of hear that sort of thing about Florida real estate. That is no longer true. Florida just is not as cheap as it used to be. It's the same or higher than the national median home price now in Florida. So yes, some builders are rather desperate. The other benefit of buying new build, especially in a place like Florida, where a lot of new building has taken place and the supply actually exceeds the demand here in the short period. You can take advantage of that, not only by getting the rate buy down, but because homeowners insurance premiums are substantially less on new build property, because they're built to today's wind mitigation and other standards than they are existing property. I have a friend that just bought a new Florida duplex through us in Ocala, Florida. That's sort of a central, North Central Florida, on that new build duplex that he paid 400k for. I saw the actual insurance premium, the the rate sheet, $694.06 $694 694 so the benefit of buying new build is you get a lower insurance premium. You get these rate buy down. Sometimes what your builder will buy for you make for you rather and of course, you're probably going to have low maintenance costs for a long time, since it's a new build property, and you get a tenant that is probably going to stay longer than the average duration. They're the first person to ever live there. It's difficult for the tenant to improve their housing situation when they have a new build income property, unless they would go out and buy, and it's a very difficult time to go out and buy. So through that lack of affordability, really, the advantage for a real estate investor is tenants are staying put longer. The average tenancy duration is up because they can't run out and be a first time homebuyer.    Keith Weinhold  32:32   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. 1937795898, 77958989   Keith Weinhold  33:44   the same place where I get my own mortgage loans is where you can get yours. Ridge lending group and MLS, 42056, they provided our listeners with more loans than anyone because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage. Start your prequel and even chat with President chailey Ridge personally while it's on your mind, start at Ridge lending group.com that's Ridge lending group.com   Todd Drowlette  34:17   this is the star of the A and E show the real estate commission. Todd Rowlett, listen to get rich education with my friend Keith Weinhold, and don't quit your Daydream.   Kevin Bupp  34:38   That even trickles down to the to the space that we're in. We're in the mobile home park space. And while we don't have a lot of rentals inside of our portfolio, most of our residents own their home and they rent the land, but throughout our portfolio, we have roughly 400 units that we own that we have as standardized rentals, and we've noticed that trend as well. Historically. 10 years ago, you. Yeah, we track actually about, I can take it back about eight years, where we actually have data to support this. This claim is that our average renter would stay about 16 months. That was fairly standard. Whereas today it's over, it's nearly three years. At this point in time, the majority are staying nearly three in there's probably, there's some variables in there. You know, eight years ago, we weren't bringing a lot of new product into our communities, whereas a lot of the mobile home parks that we purchased today do have a lot of newer mobile homes in them. So again, to your point, it's, it's a it's a newer home. It's fresh. There might not be the first person that lived there, maybe they're only the second, right? But it's still a very new home. It's only a couple years old. All the appliances are new. It's fresh, you know, it's well insulated, and it's just a high quality product, but, but it's nearly double of what we used to experience and what we used to underwrite. It's, you know, which is, which is interesting. You know, I am, I want to, I want to circle back, you'd mentioned Cape Coral. I've got quite a bit, quite a bit of experience with Cape Coral. This is not the first time that Cape Coral and Port Charlotte in those areas have crashed. I mean, like, they've got quite an interesting history in time, back during the GFC, that area down there took probably one of the biggest hits in most of Florida, while, you know, the rest of Florida got, you know, pounded pretty hard with home values and decreasing home values decreasing rents, Port Charlotte, Cape, coral, in those areas as well. It's just It looks very different down there today. As far as you know, the job basis. I mean, there's a little bit more of a, you know, you know, an economy than what existed maybe 1015, years ago. But I don't know if you know the story of Port Charlotte. Is it some interesting history that you can if you want to spend some time, go on YouTube. There's some documentaries out there about, basically when that area was created. There's a two brothers that, essentially, you know, sold, subdivided and sold swampland and sold the dream to the northeast centers to come down and buy, you know, parcels of land down in Cape Coral, port, Charlotte and in that general area. And it took a lot of time for it develop over the years, but it's a beautiful area down there. But again, I think what happened to your point? A lot of folks during the covid era were wanting to come to Florida. We were fairly free down here. The sun was shining, you know, the Gulf of Mexico was warm, and that was a good value for a lot of folks. You know, the values were driving up there. Was home inventory down there. You got a good bang for your buck back at that point in time. But again, there's not, there's not as much as many amenities and supportive economy there. And then to me, there, like you might find in the Tampa area, or you might find Orlando, or even Ocala cow is a phenomenal market right now. And yeah, oh, Cal is, for those that don't you know you mentioned, you referenced the insurance there, which is, that's a great, that's a great price for that, that policy, you know, 700 bucks, basically, that is inland. For those that don't know the geography here in Florida, that is inland. So you are fairly protected from storms, you know, hurricanes and things of that nature, which crush us here on the on the Gulf Coast. But in any event, I just thought I'd share that there's some good, pretty cool documentaries out there in Port Charlotte, in the whole area down there, but a beautiful part of the country. But just Yeah, it's, it's suffering right now. There's, I think there's, I was looking the other day on Zillow. I just play around and check and see what waterfront home prices are going for. And down there, you can basically get a you can get a canal front home going out to the Gulf of Mexico for about $500,000 which was probably closer to 800,000 during, you know, the the boom era of 2021 2022 So historically, we used to buy properties down there. This is back in 2000 and 345, before the the GFC, we could buy those same properties for 150 and $200,000 waterfront home, waterfront homes, deep water canals going out to the Gulf of Mexico. But when it crashed, some of those homes were selling for $120,000 $100,000 so it's interesting to see how things have come kind of full circle multiple times, not just down there, but in all of Florida as well. Florida is always boom and bust. You know, I think they say that with you know, you could probably speak to that most of these coastal towns, whether it be in Florida, whether it be up the eastern seaboard, the coastal markets are definitely more of a roller coaster ride than the Midwestern markets, where you invest in would you? Would you agree with that?   Keith Weinhold  39:09   Yeah, I would. And yeah, you talk about Florida being a boom and bust, and what you said is certainly true in the shorter term. Back in the global financial crisis, we saw more price blood letting in Florida than we did in other states as well. But over the long term, the long arc, I'm bullish on Florida because of just the obvious constant in migration story. In fact, if you go back to decennial censuses, all the way back to the early 1800s every single decennial census, every 10 years, the population of Florida has rose, and it rises faster than the national average, almost all of those 10 year periods. So yeah, over the long term, I certainly like Florida, but Yeah, you sure can, you know, nitpick over the. Short term, but as little as five years from now. If you bought today, as little as five years from now, I could see someone saying, like, yeah, I bought back five years ago, because we're actually in a in a short term, overbuilt condition, and builders bought down my rate. For me, this could look savvy and this could look wise. So if you're looking for opportunity, new building Florida is definitely something to look into.   Kevin Bupp  40:22    I agree. No, absolutely. Like, the long term, you know, opportunity here in Florida, it's there, you know, it's interesting. We've got the we get these hurricanes every year. Last year was a pretty impactful year, at least here on the on the Gulf side, and the neighborhood I lived in, we got flooded. Luckily, our homes in newer builds built up. But, you know, 70% of the neighbor I lived in had 444, or five feet of seawater. And as did the, you know, the long stretch of the Gulf Coast here, and it was the first time this area has ever this immediate air right where we live, has ever had a it wasn't even a direct hit. It just happened to be a massive storm surge. But it was, you know, catastrophic as far as the damage that it did. And a lot of folks that we knew in our neighborhood here. Have lived here for 1020, 3040, or 50 years, and they had never had any floodwater whatsoever. And and there was two camps where they fell in either one camp where they didn't, they whether they had the money to rebuild or not, didn't matter. Like, mentally, they were never going to end up. They were never going to deal with that again. They were moving away, like they just didn't want to go through the heartache of that again. In the second camp, we're basically, I knew it was going to happen at some point in time. This is the kind of price to live, to pay, a live in paradise and and what ultimately occurred is, you know, you saw homes going up for sale, and in the initial chatter for those that that were impacted, is that, who's going to buy that? You know? You know, they're not going to get hardly anything for it. You know, it's just like, who's going to want to live here now that has been flooded. I said, Just wait. I'll say people have us as human beings, have short term memories. We do and and I can promise you, within a few months, those homes will be gobbled up, some will be knocked down, some will be rebuilt, but inevitably, the prices will come back incredibly strong, and you'll see very limited inventory, at least in desirable markets that are here on the water. And that's exactly that happened. Within six month period of time, prices are back up. You can't get your hands on a flooded property now, or one that had been flooded, right?   Keith Weinhold  42:12   I can believe it. And this is not the way that you want to have a waterfront property when the water inundates you and comes to you, that is not the way to buy waterfront property.   Kevin Bupp  42:23   Yeah, interesting, but, uh, no, Keith has been a fun conversation, my friend. So let's, let's talk about, you know, I like to you'll peek inside your brain if you were going to start all over again, from scratch, you know, you've been at this now, what? How long? Almost two decades. It's been, been quite   Keith Weinhold  42:38   Yes, yes, more than two decades. Is that what you're asking, how would I start, starting from today?   Kevin Bupp  42:47   Yeah, like, what would you do? Where would you focus, what asset type and any particular strategy outside of what you're doing today? You know, where would you focus your time?   Keith Weinhold  42:55   Actually, it is quite a coincidence. The way that I would start all over again in real estate is the way that I did start in real estate. It worked out phenomenally, in a way it makes sense, because if it hadn't worked out phenomenally, you never would have heard of me, and I wouldn't have become this real estate thought leader or whatever, because this is a way, an everyday person with virtually no real estate knowledge and very little money. Can start out, what I did is I made the first ever home of any kind, a four Plex building where I lived in one unit and rented out the other three. This is something very actionable for your for your audience as well, Kevin. Or if maybe you're a listener that has a an adult daughter or son and they want to get started in real estate with a bang without much money, is to buy a four Plex, just like I did. You can use an FHA loan, a three and a half percent down payment. You have to live in one of the units at least 12 months, and at last check, your minimum credit score only needs to be 580 now you will get a lower interest rate if you have a higher credit score. But those are the only three criteria you need. I mean, what a country talk about? The American Dream. You can use that FHA program with a single family home, duplex, triplex or fourplex, that's the formula. That's how I began. Actually ended up living there a little more than three years. But what that did for me was remarkable, and in fact, you know what it taught me? Kevin and every listener can benefit from this. It's paradoxical. A lot of times I say things that you would not expect to hear that make you go, wait what? Whoa, how can that be? Is what it taught me is that I don't want to focus on getting my money to work for me. You probably wouldn't expect to hear that. It's actually a middle class paradigm to say, well, I don't want to work for money. I also want to get my money to work for me. I'm telling. You that that's going to keep you middle class, or worse, that's going to keep you working until old age, and you won't have an outsized life and retirement and options. If you think that the best and highest use of your dollar is getting your money to work for you, it's not what's the paradigm shift if this four Plex building taught me the way I started out, which is still the way that I would start out today, and you probably heard this before, but I'm going to put a new twist on it. Is you want to ethically get other people's money to work for you, and we can be ethical. We can do good in the world. Provide housing that's clean, safe, affordable and functional. Never get called a slumlord that way. You can employ other people's money three ways at the same time, ethically by buying an income property with a loan, like we've been talking about in Florida, or with this fourplex building. How do you do it three ways at the same time, using the bank's money for the loan and leverage, which greatly amplifies your return beyond anything Compound Interest can do. The second of three ways you're ethically employing other people's money is you're using the tenants money to pay for the mortgage and some of the operating expenses on this fourplex. And then the third way you're simultaneously using other people's money is using the government's money for generous tax incentives at scale. So the lesson is that the best and highest use of your dollar is not getting just your money to work for you, it's other people's money, in this case, the banks, the tenants and the governments. That's what you can do. I mean, what an opportunity. A lot of people just don't even know about that FHA program.    Kevin Bupp  46:41   Yeah, I actually, I wasn't, I wasn't aware that it was that low of a down payment key. That's no idea. Three and a half percent, you said, a 550 credit score, believe me, 580 minimum credit.   Keith Weinhold  46:51   And you have to, thirdly, you have to owner occupy a unit for at least 12 months. And hey, I'm not saying it's always easy. You know, you got to think about that. Your neighbors are also your tenants. And I don't know how to fix stuff. I still don't. I'm a terrible handyman, but it's good to learn a little about about human relations. And you know, letting finding a general way to let the tenants know that you have a mortgage to pay every month. I mean, just that alone can can help them ensure timely rent payments. But, and this also doesn't mean every area, or every four Plex building is is good, but, yeah, that's the opportunity. That's how I started. I would totally do it again.   Kevin Bupp  47:27   Can you use that FHA program more than once? Or is that just the one time you know your first, first, first primary home purchase?   Keith Weinhold  47:34   It's generally you can only use one at a time. There are some exceptions, like if you and your job move, like, a certain mile radius away from where you got the first one, but, yeah, generally it's only going to be one at a time. A lot of people don't use it. Don't know about it. In fact, if you have VA benefits, Veterans Administration benefits, you can get a similar program, like I was talking about, but zero down payment, rather than three and a half with an FHA loan. It's a really good, amazingly good opportunity.    Kevin Bupp  48:05   That's incredible. That's incredible. Keith, my friend, I appreciate you coming back going. It's always good to catch up with you. Good to see that you're doing well.   Keith Weinhold  48:17   Oh yeah, a terrific chat there with Kevin. I hope that you like that really. At our core, real estate investors are not day trading. We are decade trading. Now I'm in western New York today, at the other end of the state, NYU compiled some terrific statistics that you want to hear about for nearly the past 100 years. It is the annualized returns of six major asset classes. This spans, the Great Depression, a number of recessions, World War Two, the New Deal, gold standard, abandonment, brendawoods, the Cold War, Civil Rights Movements, oil shocks, Volcker rate hikes, the.com boom and crash, the 911, attacks, the housing bubble, covid, 19, AI revolution and 16 presidencies, all those ups and downs and war and peace and economic booms and economic lows, and now there is going to be a mild tongue in cheek element here, because stats like this drive real estate investors crazy, but this is often how mainstream media portrays asset class comparisons. All right, the six asset classes are stocks, cash, bonds, real estate, gold, and then inflation, which isn't in an asset class, but it's a benchmark. All of these begin from the year 1930 so spanning almost 100 years. Let's take it from the lowest return to the high. Best return the lowest is inflation. And what do you think the CPI inflation rate is averaged over the last 100 years? Any guess at all? You might be surprised. It is 3.2% Yeah, even though the Fed's CPI inflation target has long been 2% it runs hot longer than most people believe. So therefore, today's inflation rate isn't high, it's just normal. The next highest return is cash at 3.3% How did NYU measure that the yield from three months T bills? Next up is bonds. They returned 4.3% that's the 10 year treasury average of the last 100 years. The next highest is real estate at 4.7% that uses the K Shiller Index. Now we're up to the second highest. It is gold at 5.6% and the highest is stocks at 10.3% using the s, p5, 100, and this was all laid out in a brilliant chart that also shows the returns by each decade for all of these asset classes. You'll remember that I shared the chart with you in our newsletter a few weeks ago. Now you are smarter and more informed than the layperson is, you know, but they see this chart and they think, Oh, well, that's it. I've got my answer. Real Estate's 4.7% appreciation loses out to gold's 5.6 and stocks 10.3 and then they go back to watching Love is blind. But of course, rental property owners like us know that we often make five times or more than this 4.7% when we consider all those other income streams and profit centers, leverage, rents, ROA and inflation, profiting on our debt, it's often 25 to 30% total. It's sort of like judging a Ferrari by only measuring its cupholders or something. Now, would stocks 10.3% get adjusted up as well? Yeah, probably a little, because the s and p5 100 currently averages a 1.2% dividend yield, so that might be added on the 4.7% return for real estate. That cites the popular Case Shiller Index. And the way that that index works is that it uses a repeat sales methodology. So what that means is that the Case Shiller measures the sales price of the same property over time. Therefore a property would have to sell at least twice in order to be measured by this popular and widely cited K Shiller Index. So then the 4.7% appreciation figure excludes new build homes, and new builds appreciate more than existing homes, but you do have more existing homes that sell the new build homes, so we can pretty safely assume that real estate's long term appreciation rate is higher, likely between five and 6% there it is. So yeah, making comparisons across asset classes like this is pretty tricky, because investment properties leverage and cash flow gets nullified. And when you make comparisons like this, it's a big reminder that even if you can't get much cash flow off a 20 or 25% down real estate payment, sheesh, most people put a 100% payment into stocks, gold or Bitcoin, and they don't expect any cash flow. And Bitcoin isn't part of what we're looking at for this century long view, because it did not exist until 2009 and also NYU had to use some alternative statistics. Sometimes the s, p5, 100 index only came into being in 1957 and the Case Shiller Index 1987    Keith Weinhold  54:02   next week here on the show, I expect to answer your listener questions from beginner to advanced. You've been writing in with some good ones for the production team here at GRE. That's our sound engineer, Vedran Jampa, who has edited every single GRE podcast episode since 2014 QC in show notes, Brenda Almendariz, video lead, brendawali strategy talamagal, video editor, seroza, KC and producer me, we'll run it back next week for you. I'm your host. Keith Weinhold, don't quit your Daydream.   Speaker 3  54:36   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.   Speaker 2  55:04   The preceding program was brought to you by your home for wealth building, get richeducation.com