Podcasts about pennsylvanians

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  

On the eve of this year's exciting Sithmas event, let's travel back to the winter of 2023, for a conversation about how this multi-club event began: How does a Star Wars meetup become a holiday tradition? Every year, Pennsylvanian collector Mike De Stefano hosts Sithmas, a weekend event that celebrates Star Wars and the holidays. The weekend kicks off with a Friday night meal, followed by Saturday's main event. The day is packed with festivities - from a White Bantha gift exchange to a special dinner together, to tours of Mike's three incredible Star Wars collection rooms. This year, approximately 80 Star Wars collectors from EIGHT regional clubs - Seattle, Ontario, New York, the Northeast, Pennsylvania, D.C/Virginia, Ohio and Indiana - will travel to the Lancaster area to celebrate Sithmas with Mike at his home. Join host David Quinn for a conversation with Mike, as Mike discusses how Sithmas began, how it evolved, and why it has become a must-attend event on the Star Wars collector calendar each December! To Listen to the Episode on the Prototype Archives Site: https://www.prototypearchives.com/podcast Links to the Episode on Various Podcast Platforms: APPLE PODCASTS: https://podcasts.apple.com/us/podcast/star-wars-prototypes-and-production/id1448205460 YOUTUBE MUSIC/PODCASTS: https://music.youtube.com/playlist?list=PL7UruGWpd8qKrObL8-DSLekomB8GuB1VT SPOTIFY: https://open.spotify.com/show/744L0XQhmpXn2AZeaxUhOZ CASTBOX: https://castbox.fm/channel/Star-Wars%3A-Prototypes-and-Production-id1904296?utm_source=website&utm_medium=dlink&utm_campaign=web_share&utm_content=Star%20Wars%3A%20Prototypes%20and%20Production-CastBox_FM STITCHER: https://www.stitcher.com/show/1054209 PANDORA: https://www.pandora.com/podcast/star-wars-prototypes-and-production/PC:1001054209 PODBEAN: https://www.podbean.com/podcast-detail/u4ywr-80960/ AMAZON MUSIC: https://music.amazon.com/podcasts/c98fb265-c233-43d9-ae3b-1102bfb03e45/star-wars-prototypes-and-production PLAYERFM: https://player.fm/series/2473540 SOUNDCLOUD: https://soundcloud.com/david-quinn-908355451/tracks PODVINE: https://podvine.com/podcast/star-wars-prototypes-and-production iHEART: https://www.iheart.com/podcast/256-star-wars-prototypes-and-p-31050806/ https://podcasts.apple.com/us/podcast/star-wars-prototypes-and-production/id1448205460

The Esplanade development finally broke ground in Chateau, after nearly a decade of planning, which means we're one step closer to a permanent Ferris Wheel on the North Side. Plus, there are fresh hopes and dreams for Station Square now that a new developer is taking over. Host Megan Harris, executive producer Mallory Falk, and producer Sophia Lo discuss what they'd like to see on the riverfront site, why alcohol sales are dipping in PA (and why Pennsylvanians can't get enough of Fireball and pink lemonade vodka), and why you'll soon see driverless taxis cruising down city streets. How should Pittsburghers be celebrating their milestone birthdays? Call or text the BIRTHDAY HOTLINE at 412-212-8893. Notes and references from today's show: Shapiro calls $740M Esplanade Project a 'game changer' as Pittsburgh project breaks ground [TribLive] Developers break ground on historic Esplanade project [P-G] PODCAST: Restaurants, Party Barges & Bathrooms on the Riverfront [City Cast Pittsburgh] PODCAST: Can the North Side Get a Ferris Wheel & Still Stay Affordable? [City Cast Pittsburgh] PODCAST: Coffee, Corn Dogs & The Latest on Manchester's Freeman Family Farm [City Cast Pittsburgh] Station Square primed for next act as developer with waterfront expertise buys iconic destination [Business-Times] PA wine, spirits sales slip as tariffs, dwindling bar crowds take toll [TribLive] PODCAST: What Tariffs Mean for Pittsburgh Wine [City Cast Pittsburgh] PODCAST: Why Pittsburgh's a Pioneer in Non-Alcoholic Drinks [City Cast Pittsburgh] Are Americans drinking less? New data says yes, but not by much [Reuters] Costco pursues liquor license for Cranberry store amid grocery competition [Business-Times] New Mosaic Apartments in Oakland aim to be welcoming to LGBTQ+ seniors [WESA] Shapiro signs CROWN Act against hair discrimination [TribLive] PODCAST: Grabby Boss? Racist Landlord? This Pittsburgh Office Can Help [City Cast Pittsburgh] Nonprofit asks Pittsburghers to clean out play rooms, donate to kids in need [WESA] Drop off locations for Play it Forward Toy Drive [Play it Forward] What's new on the slopes this season at Seven Springs, Hidden Valley and other resorts? [P-G] 23rd Annual Gingerbread House Display & Competition [City of Pittsburgh] Learn more about the sponsors of this December 5th episode: AIDS Free Pittsburgh The Frick Pittsburgh Honeygirls Wraphaus Become a member of City Cast Pittsburgh at membership.citycast.fm. Want more Pittsburgh news? Sign up for our daily morning Hey Pittsburgh newsletter. We're also on Instagram @CityCastPgh! Interested in advertising with City Cast? Find more info here.

Pennsylvanians should be wary of mislabeled Ritz products. A former Amazon worker claims she was fired due to her pregnancy. Astronomers are offering a tour of the night sky. Finally, the listeners of “Today in PA” get their own Spotify Wrapped.

Pennsylvania politics were pretty messy this year. Pennsylvanians waited 135 days for Harrisburg to pass a budget. Philly nonprofits had to cut back on services, and school districts took out loans just to pay the bills. Moving forward, how do we make government work? In our weekly politics episode, host Trenae Nuri talks with State Senator Anthony H. Williams, who represents parts of Philadelphia and Delaware Counties, to talk about ways to get more money flowing into the Commonwealth and his goal to withhold paychecks from legislators during budget stalemates.   Get Philly news & events in your inbox with our newsletter: Hey Philly Call or text us: 215-259-8170 We're also on Instagram: @citycastphilly You can support this show and get great perks by becoming a City Cast Philly Neighbor at membership.citycast.fm. Learn more about the sponsors of this episode: Penn Live Arts Independence Blue Cross RiverRink Winterfest  Advertise on the podcast or in the newsletter: citycast.fm/advertise

Local government groups across Pennsylvania are celebrating a state Supreme Court ruling that makes it easier for agencies to change their meeting agendas on the fly. Some transparency advocates however are sounding the alarm. Governor Josh Shapiro has joined 20 other states in another lawsuit against the Trump Administration. The latest fight centers on anti-homelessness funding. Discriminating against someone based on their hair texture and style will soon be illegal in Pennsylvania. Gov. Shapiro says the CROWN Act sends a message that Pennsylvanians deserve to be judged on their character and qualifications — not their appearance. Recently unsealed autopsy and toxicology reports show that the 2003 death of a federal prosecutor in Lancaster County was a homicide. Records obtained by our partners at LNP Lancaster Online show that 38-year old Jonathan Luna, an assistant U-S attorney in Baltimore, died from freshwater drowning and multiple stab wounds to the neck. Cumberland County Commissioners have given preliminary approval to a $290 million budget for 2026. PennDOT is proposing using part of a nature preserve as part of its on-going efforts to upgrade Route 30. A volunteer fire company in York County is closing at the end of the year. Three 10-foot Fraser fir trees from a Schuylkill County Christmas tree farm are gracing the official residence of Vice President JD Vance this holiday season. 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. Support WITF: https://www.witf.org/support/give-now/See omnystudio.com/listener for privacy information.

The long-simmering rivalry between Virginians and Pennsylvanians for control of the Ohio Country leads to the 1774 massacre of Soyechtowa James Logan's family at Yellow Creek along the banks of the Ohio River, igniting a war for revenge with tragic results.  Featuring: Robert Parkinson and Christopher Pearl. Voice Actors: Adam Smith, John Terry, Anne Fertig, and Evan McCormick. Narrated by Dr. Jim Ambuske. Music by Artlist.io This episode was made possible with support from a 2024 grant from the National Endowment for the Humanities.  Help other listeners find the show by leaving a 5-Star Rating and Review on Apple, Spotify, Podchaser, or our website. Follow the series on Facebook or Instagram. Worlds Turned Upside Down is a production of the Roy Rosenzweig Center for History and New Media at George Mason University.

A township in suburban Philadelphia voted to ban gas-powered leaf blowers by 2029, becoming the first township in Pennsylvania to ban the noisy devices. While most of us are focused on the Thanksgiving holiday being observed this week, there's a group of Philadelphia musicians preparing for New Year's Day. The Mummers will head down Broad Street for the 125th time in just a few weeks. The director of the Penn State Cancer Institute resigned last Friday following an investigation by our partners at Spotlight PA focusing on his care of patients and leadership of the center. A Republican-led Senate committee is moving to subpoena the Shapiro administration for records of taxpayer-funded security upgrades underway at Governor Josh Shapiro's personal home near Philadelphia. PennDOT is reminding Pennsylvanians of the dangers of impaired driving and the importance of appointing a designated driver this holiday season. Nearly 3-point-4 million drivers will be using the Pennsylvania Turnpike this week for their Thanksgiving travels.Support WITF: https://www.witf.org/support/give-now/See omnystudio.com/listener for privacy information.

-Who Had MTG Resigning on their political bingo card?- Finding a $20 bill gets a Pennsylvanian in legal trouble. - Cong. Dr. Bob Onder gives us the congressional Update. - Susie Moore tells us something good!See omnystudio.com/listener for privacy information.

Protesters want Pennsylvania legislators to vote to bar themselves from receiving unlimited gifts or campaign contributions. Harrisburg Republicans joined energy-sector workers at the state Capitol to celebrate Pennsylvania's withdrawal from the Regional Greenhouse Gas Initiative or "reggie." When Congress reached a deal to end the federal government shutdown, it did not include extending additional tax credits for people who buy insurance plans on the Affordable Care Act marketplaces. Pennsylvanians stand to pay, on average, double their current premiums in 2026. Some are considering buying cheaper catastrophic health plans instead. Temple University’s Kornberg School of Dentistry is partnering with the Tamaqua Area Community Partnership in Schuylkill County. The organizations have announced plans to open a rural dentistry campus. PPL's residential customers can expect a nearly 4% increase in their electricity costs starting December 1st. The public is invited to weigh in on Lancaster's proposed data center benefits agreement during a special city council meeting set for tonight (Thursday evening). The North Hanover Mall is condemned, after a wall collapsed last weekend. The City of Reading may be forced to pull millions of dollars from its reserves over the next few years to balance its budget.Support WITF: https://www.witf.org/support/give-now/See omnystudio.com/listener for privacy information.

Extremism lost big in Pennsylvania last week, from ICE-loving sheriffs to the State Supreme Court to school boards across the commonwealth. And it didn't happen because of pundits on cable news or DC-based strategists. It happened because regular Pennsylvanians stepped up, ran for office, and talked to their neighbors and friends about what was on the line.This week on the pod, we're joined by Sherry Luce, our PA Program Director, and Stacy Kunkel, our PA Deputy Program Director. They shared some inspiring stories from the ground, like a couple of moms who decided to set up their own tripod to stream their local school board meetings to show their neighbors how extremist their school board had become. And last Tuesday night, their efforts paid off! They won five seats and their school board is now full of common sense candidates who care more about kids than culture wars.Sherry and Stacy are also our favorite “self-care resisters,” as LaFonda puts it. But their conversation shows that there's no one way to balance work and self-care. No matter what, community is at the heart of it all.We hope you enjoy today's episode and are as inspired as we were by the amazing work being done in Pennsylvania!For a transcript of this episode, please email comms@redwine.blue. You can learn more about us at www.redwine.blue or follow us on social media! Instagram: @RedWineBlueUSA Facebook: @RedWineBlueUSA YouTube: @RedWineBlueUSA

Philadelphia International Airport is among those in the United States that'll be impacted by service cuts as of today. Pennsylvanians are still paying a tax from 1936 that was supposed to be temporary. Snow's on the way (at least, that's what they say). And a boxing weight steps in the ring to fight for cannabis legalization. 

What’s the status of Supplemental Nutrition Assistance Program - or SNAP – benefits in Pennsylvania amid the ongoing government shutdown? A new report finds that people with intellectual and developmental disabilities across Pennsylvania still face major barriers to basic health care. Penn State is preparing for potential cuts in federal funding for research, and changes to visa regulations for international students and workers. A 15-year-old boy from Mount Joy is accused of beating three younger children and using racial slurs. We're learning more about Tuesday's election results: Dauphin County voters elected the first Black woman as judge. And Kenneth Hock narrowly won reelection as mayor of Chambersburg.Support WITF: https://www.witf.org/support/give-now/See omnystudio.com/listener for privacy information.

It's official: Corey O'Connor is Pittsburgh's next mayor — and we're all crossing our fingers that there'll be a state budget in place by the time he takes office in January. Pennsylvania is the only state in the nation that hasn't passed a budget. The consequences have been dire, from school districts taking on loans to rape crisis centers cutting staff. PA Speaker of the House Joanna McClinton has a prime seat at the negotiation table as our state's top Democratic legislator. She joins City Cast Philly host Trenae Nuri to share her take on what's causing the holdup and explain how it's affecting everyday Pennsylvanians. Learn more about the sponsors of this November 5th episode: The Frick Family House Greater Pittsburgh Nonprofit Partnership Become a member of City Cast Pittsburgh at membership.citycast.fm. Want more Pittsburgh news?  Sign up for our daily morning Hey Pittsburgh newsletter. We're on Instagram @CityCastPgh. Text or leave us a voicemail at 412-212-8893. Interested in advertising with City Cast? Find more info here.

On this Election Day, Pennsylvanians will decide whether three state Supreme Court Justices should keep their seats. The unprecedented spending and polarization this year has put off some voters. Partisan control of the court could have major implications for the 2028 presidential race, since justices might be asked to rule on election disputes, as they did in 2020. Republican lawmakers across the mid-Atlantic met in Harrisburg last week to discuss rising electricity bills. The Pennsylvania Department of Environmental Protection has issued a draft air permit to a natural gas fired power plant in Westmoreland County. Environmental groups say the draft has several flaws. American Water and Essential Utilities are merging. They’re the two largest municipal water and wastewater management companies in the United States. Both the Jewish Federation of Greater Harrisburg and the Roman Catholic Diocese of Harrisburg released statements in response to a controversial float in the Hanover Halloween parade last week. Seven hundred faculty members at Harrisburg Area Community College - HACC - went on strike yesterday. The Lancaster Stormers are under new ownership. Prospector Baseball Group acquired the minor league baseball team from four Lancaster-area businessmen who owned the Stormers for the past 12 years. Support WITF: https://www.witf.org/support/give-now/See omnystudio.com/listener for privacy information.

As the federal government shutdown continues, State Treasurer Stacy Garrity says she could loan the state money to cover food-stamp benefits for 2 million Pennsylvanians. Governor Josh Shapiro says her proposal isn’t a solution. Mike Tyson is best known for his career as a heavyweight boxer. But now he’s making a name for himself in the pot industry. Iron Mike is lobbying for recreational marijuana use in Pennsylvania. Another opportunity for Pennsylvania hunters opens Saturday. A family in Bellefonte, Centre County recently got a big treat. And this Halloween the news is out on national television. Their historic home beside Union Cemetery was chosen for a renovation on the HGTV show Scariest House in America. Many musicians write songs about love, heartbreak or life on the road. But there's a Central Pennsylvania band that sings about slapshots, breakaways and cross checks. That's right, Light the Lamp is a band that writes songs exclusively about hockey. WITF Music’s Joe Ulrich recently faced off with the band in our studio. 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.Support WITF: https://www.witf.org/support/give-now/See omnystudio.com/listener for privacy information.

Election Day is almost here! While this may not be a presidential election or even a midterm, Pennsylvanians still have something huge to show up for: the future of our access to everything from reproductive care to voting rights. If you haven't done your homework yet, host Megan Harris and executive producer Mallory Falk are here to guide you through the biggest races in Pittsburgh, Allegheny County, and the state, so you're better prepared to enter the voting booth on Nov. 4. Want to dive deeper? Check out our election guide, our interviews with Pittsburgh mayoral candidates Corey O'Connor and Tony Moreno, and our episode about what's at stake in the PA Supreme Court races. Need more resources? Find your polling place and track your mail-in ballot. Learn more about the sponsors of this October 29th episode: Heinz History Center Quantum Theatre Greater Pittsburgh Nonprofit Partnership Become a member of City Cast Pittsburgh at membership.citycast.fm. Want more Pittsburgh news?  Sign up for our daily morning Hey Pittsburgh newsletter. We're on Instagram @CityCastPgh. Text or leave us a voicemail at 412-212-8893. Interested in advertising with City Cast? Find more info here.

Hundreds of thousands of Pennsylvania households rely on a federally funded utility assistance program to help them keep their homes warm each winter. But the federal government shutdown means Pennsylvania has not received the funding it needs to run this program Allies for the LGBTQ+ community say state officials should act to protect same sex marriage in Pennsylvania, in case the U-S Supreme Court takes up a case this month designed to weaken marriage equality. Penn State Athletic officials are mounting a nationwide search for the next Head Football Coach to replace James Franklin who was fired October 12th, one day after the Nittany Lions lost to Northwestern. You can hear the full segment on The Spark, by logging onto the "Programs" page at witf.org, and tune into The Spark weekdays at 12 noon on WITF-FM The state ethics commission has directed Harrisburg city Mayor Wanda Williams to pay over 900 hundred dollars to the city A recent hearing before a state House committee examined the how growth of A.I. data centers will affect the energy grid, and the price consumers pay. The PA Public Utility Commission voted this week to suspend and investigate a proposed rate increase by PPL Electric Utilities. Public media's federal funding has been revoked. Your support is now more vital than ever. Help power the independent journalism and trusted programming you find on WITF by making a gift of support now at witf dot org slash give nowSupport WITF: https://www.witf.org/support/give-now/See omnystudio.com/listener for privacy information.

What is the hold up with the State Budget? How are the Federal and State Budget stalemates impacting Pennsylvanians? What do our citizens and students want to see in our communities?

3. Tribal Politics and the Yellow Creek Massacre Professor Robert G. Parkinson, Heart of American Darkness: Bewilderment and Horror on the Early Frontier This section details the Yellow Creek Massacre. The frontier conflicts are described as tribal, involving native groups and colonial groups (Virginians, Pennsylvanians) battling over land, especially after the British left Fort Pitt. The massacre happened on April 30, 1774, at Baker's Bottom, targeting a band of Mingo natives. Logan's family, including his brother, sister, and mother, attempted diplomacy at a tavern but were ambushed and murdered by a group of men, including Daniel Greathouse, though none were named Cresap. Michael Cresap, later blamed in Logan's Lament, was absent. The violence was brutal; Logan's sister was killed after pleading for her infant son's life.

The Rich Zeoli Show- Full Show (10/27/2025): 3:05pm- While aboard Air Force One, President Donald Trump was asked if he would consider running for Vice President—with his running mate ultimately stepping aside, allowing him to serve a third term. Trump rejected the idea. The reporter's question was a misread of the 12th Amendment which states: “no person constitutionally ineligible to the office of President shall be eligible to that of Vice-President of the United States.” 3:15pm- While speaking at a rally for Zohran Mamdani, Gov. Kathy Hochul (D-NY) said “I hear you” as the crowd chanted “tax the rich.” But following the rally, Hochul claimed she heard the crowd screaming “let's go Bills.” What!? New York City doesn't even root for the Bills! 3:40pm- New York City Mayoral Andrew Cuomo told a reporter that Zohran Mamdani is not a Democrat—he's a socialist! 3:50pm- Rep. Alexandria Ocasio Cortez told a crowd of Zohran Mamdani supporters and socialists that “we are not the crazy ones…we are sane!” Sure! Whatever you say… 3:55pm- NBC10 reporter Lauren Mayk confronted Mikie Sherrill over her outlandish claim that Jack Ciattarelli is responsible for the deaths of “tens of thousands of people” for being tangentially involved in marketing for pharmaceutical companies. Ciarrarelli's campaign has threatened to sue Sherrill over the baseless allegations. 4:05pm- Maria Battista—Republican Candidate for Pennsylvania Superior Court—joins The Rich Zeoli Show to discuss her campaign. Battista “has more than 15 years of legal experience in civil, criminal, and administrative law and is a former Assistant District Attorney.” Plus, she discusses earning Scott Presler's endorsement! To learn more about her campaign, visit: https://www.battistaforjudge.com. 4:30pm- Matt Wolford— Republican Candidate for Commonwealth Court in Pennsylvania—joins The Rich Zeoli Show to discuss his campaign. Wolford has “more than 35 years of legal experience” and “has served Pennsylvanians in both public service and private practice. Early in his career he served as a Deputy Attorney General in the Philadelphia office of the Pennsylvania Office of Attorney General (OAG), where he represented Commonwealth agencies in civil litigation. He later became attorney-in-charge of the Environmental Crimes Section field office in Meadville and served as a Special Prosecutor for both the OAG and the U.S. Attorney for the Western District of Pennsylvania.” To learn more about his campaign, visit: https://mattwolfordforjudge.com. 5:05pm- Judge Pat Dugan—Republican Candidate for District Attorney of Philadelphia—joins The Rich Zeoli Show to discuss his campaign as well as his pledge to review the Ellen Greenberg case. He explains, “the only way we are going to make our city safer is if we say goodbye to Larry Krasner. Send him back to San Francisco.” To learn more about his campaign, visit: https://www.judgeduganforda.com. 5:20pm- Democrats and media members are apoplectic over the Trump administration's decision to construct a grand ballroom at the White House—expanding the residence's East Wing. President Trump has insisted construction will be privately funded, at no expense to the taxpayer. Sen. Ruben Gallego (D-AZ) implored future presidents to rename the ballroom after Barack Obama. Meanwhile, a former Congressman said that the next Democrat to hold the presidency should demolish the renovation! 5:30pm- While speaking with a BBC reporter, Kamala Harris said she won't rule out running for president again. Hilariously, the reporter notes that oddsmakers currently think actor/wrestler Dwayne “The Rock” Johnson has a better chance of being president than she does! 5:40pm- While appearing on an NBA podcast, Gov. Gavin Newsom (D-CA) complained about his tough childhood—eating nothing by white bread and Kraft macaroni and cheese. But his father was a wealthy attorney for Getty Oil! Is this proof Newsom will say literally anything? 5:50pm- Chicago Mayor Brandon J ...

The Rich Zeoli Show- Hour 2: 4:05pm- Maria Battista—Republican Candidate for Pennsylvania Superior Court—joins The Rich Zeoli Show to discuss her campaign. Battista “has more than 15 years of legal experience in civil, criminal, and administrative law and is a former Assistant District Attorney.” Plus, she discusses earning Scott Presler's endorsement! To learn more about her campaign, visit: https://www.battistaforjudge.com. 4:30pm- Matt Wolford— Republican Candidate for Commonwealth Court in Pennsylvania—joins The Rich Zeoli Show to discuss his campaign. Wolford has “more than 35 years of legal experience” and “has served Pennsylvanians in both public service and private practice. Early in his career he served as a Deputy Attorney General in the Philadelphia office of the Pennsylvania Office of Attorney General (OAG), where he represented Commonwealth agencies in civil litigation. He later became attorney-in-charge of the Environmental Crimes Section field office in Meadville and served as a Special Prosecutor for both the OAG and the U.S. Attorney for the Western District of Pennsylvania.” To learn more about his campaign, visit: https://mattwolfordforjudge.com.

20251027 PCB Peer Engagement Presents - Mary Beth Parks and LAMP Originally Broadcasted October 27, 2025, on ACB Media 6 Mary Beth Parks of the Library of Accessible Media for Pennsylvanians stopped by to discuss BARD 2.0, the new digital player, and all things LAMP. Sponsored by: Pennsylvania Council of the Blind Subscribe to the PCB email list Find out more at https://acb-community.pinecast.co

Charles Bausman is old money Pennsylvanian and speaks fluent Russian because his father was AP bureau chief in Sixties Moscow and because he later worked in Russia as a journalist and financier. He was also, by unhappy accident, a witness of the January 6th “Insurrection.” He chats to James about all this and more, including in a particularly terrifying section on why the Bolshevik revolution really happened and the important lessons we are currently not learning from it. Twitter handle is Cbausman The ArkAbout Russia by people who live here - geopolitics, Christianity, history, culture, society. ↓ James and Dick's CHRISTMAS Special 2025 Featuring Dick. And James. And Unregistered Chicken. And possibly some other special guests. Not included in ticket price but available so you don't starve/die of thirst: nice pizzas out of wood-fired ovens; street food. Tickets - £40 VIP Tickets - £120 including bell-ringing lesson, walk with James, front row seats, church tour Location is: My neck of the woods. Northants. Nearest stations, Banbury/Long Buckby. Junction 11 of M40. Friday, 28th November 2025. Starts at 5pm https://www.jamesdelingpole.co.uk/Shop/?section=events#events ↓ Monetary Metals is providing a true alternative to saving and earning in dollars by making it possible to save AND EARN in gold and silver. Monetary Metals has been paying interest on gold and silver for over 8 years. Right now, accredited investors can earn 12% annual interest on silver, paid in silver in their latest silver bond offering. For example, if you have 1,000 ounces of silver in the deal, you receive 120 ounces of silver interest paid to your account in the first year. Go to the link in the description or head to https://monetary-metals.com/delingpole/ to learn more about how to participate and start earning a return on honest money again with Monetary Metals. ↓ ↓ How environmentalists are killing the planet, destroying the economy and stealing your children's future. In Watermelons, an updated edition of his ground-breaking 2011 book, James tells the shocking true story of how a handful of political activists, green campaigners, voodoo scientists and psychopathic billionaires teamed up to invent a fake crisis called ‘global warming'. This updated edition includes two new chapters which, like a geo-engineered flood, pour cold water on some of the original's sunny optimism and provide new insights into the diabolical nature of the climate alarmists' sinister master plan. Purchase Watermelons by James Delingpole here: https://jamesdelingpole.co.uk/Shop/ ↓ ↓ ↓ Buy James a Coffee at: https://www.buymeacoffee.com/jamesdelingpole The official website of James Delingpole: https://jamesdelingpole.co.uk xxx

Millions of Pennsylvanians won't receive SNAP benefits next month. A bill would require naloxone in schools. These October gas prices are the lowest they've been in years. Plus, how ‘bout them apples?

The trucking industry is growing nationwide, as well as in Pennsylvania. As a result, PennDOT is adding more parking spaces for trucks, across the state, in the hopes of improving safety on the road. Are you daydreaming about camping under the stars in a Pennsylvania state park? But not so sure about setting up a tent and sleeping on the ground? Now - you can consider "glamping." Pennsylvania is rolling out the glamping carpet in eight state parks. And a deeper dive... Tens of thousands of Pennsylvanians live in manufactured housing, also called mobile homes. It’s a unique arrangement where residents own their homes – but NOT the land underneath – makes the housing more affordable to homeowners. But it also makes them more vulnerable to rising rental costs for the underlying land. There’s a legislative effort by some manufactured housing residents to keep those costs reasonable so they can stay in their homes. 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.Support WITF: https://www.witf.org/support/give-now/See omnystudio.com/listener for privacy information.

(00:00:00) What began as an informal experiment with a single camera and a borrowed guitar has evolved into one of WITF’s most vibrant projects — WITF Music. also on the program: (00:21:20) A new October poll from Franklin & Marshall College suggests that many Pennsylvanians are feeling uncertain about the direction of the state — and the health of democracy itself.Support WITF: https://www.witf.org/support/give-now/See omnystudio.com/listener for privacy information.

WPSU-TV and radio will become part of Philadelphia-based WHYY, under a plan Penn State trustees unanimously approved Monday. There is also news affecting this media organization. Ron Hetrick, President and CEO of WITF, on Monday announced his resignation, effective immediately. Thousands of student teachers statewide are without pay as they wait for Pennsylvania lawmakers to agree on a budget. State officials are reminding Pennsylvanians we are now in the fall wildfire season. The Department of Conservation and Natural Resources Secretary Cindy Adams Dunn encourages people to practice safe habits when burning debris or building a campfire. Pennsylvania is investing more than $5.7 million in state money for the preservation of 24 farms across the state. Public media's federal funding has been revoked. Your support is now more vital than ever. Help power the independent journalism and trusted programming you find on WITF by making a gift of support now at www.witf.org/givenow.Support WITF: https://www.witf.org/support/give-now/See omnystudio.com/listener for privacy information.

(00:00:00) At the University of Pittsburgh, fear has found a new home — in academia. The university is now home to the world’s first academic center dedicated to the study of horror, exploring how the genre reflects society’s deepest anxieties and historical traumas. (00:22:19) Pennsylvania residents could see major jumps in their health insurance premiums next year, according to Pennsylvania Insurance Commissioner Michael Humphreys. “The rate increases are pretty significant,” Humphreys said, attributing much of the rise to federal inaction. “Pennsylvanians and insurers in Pennsylvania face serious challenges due to Congress's failure to extend enhanced premium tax credits before open enrollment.”Support WITF: https://www.witf.org/support/give-now/See omnystudio.com/listener for privacy information.

(00:00:00) For nearly 40 years, The Pennsylvania Bakery in Camp Hill has been more than a place to buy desserts—it’s been a community cornerstone built on faith, family, and a steadfast commitment to quality. (00:22:13) A new October poll from Franklin & Marshall College suggests that many Pennsylvanians are feeling uncertain about the direction of the state — and the health of democracy itself.Support WITF: https://www.witf.org/support/give-now/See omnystudio.com/listener for privacy information.

A new report from the PA Health care Cost Containment Council outlines why Pennsylvanians stay in the hospital-the types of procedures they undergo. Using data collected from October 1, 2023, through September 30, 2024, this type of fact-based information showing the overall total number of cases performed at a facility level reflects the degree of experience a facility has in caring for patients who undergo a procedure.Support WITF: https://www.witf.org/support/give-now/See omnystudio.com/listener for privacy information.

Are You Missing Out on Real Estate's Best-Kept Secrets? Imagine investing in properties where: Tenants fix their own roofs You can boost income with a few tech upgrades Most investors are too scared to even look This episode reveals two underground real estate niches that could change your wealth strategy forever: Mobile Home Parks and Parking Lots Special Guest: Kevin Bupp, an investor with over $1 BILLION in real estate transactions under his belt shares how everyday investors are building wealth in places others overlook. Grab your FREE real estate investment white papers and unlock hidden wealth strategies at InvestwithSunrise.com  Resources: Text FAMILY to 66866 Call 844-877-0888 Visit FreedomFamilyInvestments.com/GRE Show Notes: GetRichEducation.com/574 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  You get paid first: Text FAMILY to 66866 Will you please leave a review for the show? I'd be grateful. Search “how to leave an Apple Podcasts review”  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— text ‘GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Keith Weinhold  0:00    Welcome to GRE. I'm your host. Keith Weinhold, talking about first mobile home park investing and then investing in parking lot assets. What makes them profitable? What gets investors excited about mobile home parks and parking lots? What are the risks and what's the future of both of these real estate asset classes? All with a terrific guest today on get rich education.   Keith Weinhold  0:28   You know, most people think they're playing it safe with their liquid money, but they're actually losing savings accounts and bonds don't keep up when true inflation eats six or 7% of your wealth. Every single year, I invest my liquidity with FFI freedom family investments in their flagship program. Why fixed 10 to 12% returns have been predictable and paid quarterly. There's real world security backed by needs based real estate like affordable housing, Senior Living and health care. Ask about the freedom flagship program when you speak to a freedom coach there, and that's just one part of their family of products, they've got workshops, webinars and seminars designed to educate you before you invest. Start with as little as 25k and finally, get your money working as hard as you do. Get started at Freedom family investments.com/gre or send a text now it's 1-937-795-8989, yep, text their freedom. Coach, directly. Again, 1-937-795-8989,   Corey Coates  1:40   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  1:56   Welcome to GRE from Burlington, Vermont to Burlington, Washington and across 188 nations worldwide. I'm Keith Weinhold, and you are inside get rich education. We are all firmly in the fall season. Now, autumn, if you prefer. And as we often do, we're discussing residential real estate investing today, but it's two different and distinct niches within that, and I guess they both have to do with wheels, as it turns out, mobile home parks in the first part of the show and then parking assets later today. I think there's a compelling future use case for at least one of those two to speak to our international audience for a moment, but this will actually help clarify things for you. If you're a North American too, though it's called a mobile home, well, it doesn't really have that much to do with wheels. There might not be any wheels on it. And if a resident lives inside one of these for, say, a decade, well then it's probably going to remain attached to that same location on the ground all 10 years. That's why a mobile home is often referred to now as a manufactured home. What it is is it's a factory built residence, constructed on a permanent chassis and then transported to a site. I mean, that's what we're talking about here, and they are a less expensive alternative to traditional homes that have, say, a cast in place, concrete foundation. So therefore, understand, mobile homes are affordable housing, highly affordable housing, and that's really important in this housing affordability crisis. And I've talked quite a bit about that on the show, and the meager national supply of that all types of affordable housing, they are recession resilient. I mean, that's just one reason why we love affordable housing types here at GRE where we're often buying rental property just below an area's median price. You know, people think of mobile home parks MHPS, that they're all crime ridden and that there are slumlords. But that is not true in every case. There are actually nice ones. If you're an MHP investor, you often only own the land beneath the structure, and not the mobile home itself. The resident owns the mobile home itself. So therefore, if there's a leaky roof or a window needs replacement, or flooring needs replacement, that is on the resident to fix, not you. MHP dwellers, they often don't have to pay property tax, though, because, like I said, they don't own the land. The landlord, or the community, therefore, is the one that has to pay the property tax. So there's some thoughts on mobile home parks for you, parking asset, real estate that's still settling into its post pandemic pattern with Return to Office mandates that aren't really fully matured yet. We're still settling in and seeing how that is going to look. And then when it comes to parking lots, you got to wonder about its future. When you consider the proliferation of autonomous cars, will that make parking lots obsolete? I'll have our guest address that longtime GRE listeners, you might remember episode 13 of this show, yeah, almost 11 years ago, that episode was about how autonomous cars will affect your future and your real estate and the very need for parking lots and a lot of what I discussed there in early 2015 that is beginning to come true, but this autonomous car adoption that is way slower than a lot of people thought. I mean, most Americans, they still have not been inside an autonomous car at all. A lot of people are still saying that they don't trust that that should change soon. But as for now, I'm just guessing that fewer than one in 10 Americans have been inside an autonomous car, probably quite a bit less than that. Today's terrific guest has over $1 billion in real estate transactions under his belt. This should be interesting. He is a specific investor in both mobile home parks and parking assets.   Keith Weinhold  6:26   Today's guest is a seasoned real estate investor entrepreneur, and he's a prominent voice in the space, because he hosts the real estate investing for cash flow show. He's built a strong reputation as an expert in two niches that have less competition than some other investments, and we'll discuss those two today. They are mobile home parks and also parking asset investments too often overlooked yet pretty profitable niches, and he and I have a lot in common. I'm on the Forbes real estate Council. He is on the Forbes Technology Council. He and I are both native Pennsylvanians. It's been quite a few years. Hey, welcome back to GRE it's Kevin Bupp.    Kevin Bupp  7:06   Hey, Keith, thanks for having me back. And yeah, excited to be here, my friend, and excited to finally get caught up. When you referenced that, it was nearly eight years since we last spoke. I was taken back a little bit because A lot's happened in past eight years.    Keith Weinhold  7:21   I know that's wild with where things are at. People didn't even know the meaning of the word pandemic when you were last here on the show, Kevin, let's talk about really the case for mobile home parks. I know they can be a strong, cash flowing asset once people are really dialed into them. I think what's interesting is, since you were last here on the show, really, from the pandemic on, it's been a well documented national story where lay people just know about how the supply of housing just is not adequate in order to meet demand, and what that usually means, just talking about the single family space is, of course, they're building, but they're not building fast enough to keep up with population growth and housing demand. But what's so compelling about mobile home parks is, I mean, they're barely even building them anymore, like they are contracting in supply in a lot of areas. So tell us more about the compelling case for mobile home parks.    Kevin Bupp  8:16   Yeah, well, you had a big one. You know? It's an asset class that has a diminishing supply, right? We can get into the reasons behind that. But, you know, just from a high level perspective, one of the other factors as it relates to, you know, available homes, available housing for the growing population, is that while they are building stick boat homes, they're not fulfilling the needs of those that actually need affordable housing. So there's not a lot of the average working household can't necessarily afford the starter home any longer, and so mobile home parks are unique. I truly feel they're the best vehicle to help us fill this void of housing, affordable housing that is really needed throughout the entirety of the country. I mean, there's very few markets in this country that are still affordable. There's some places you can still go buy. You can probably go to Flint, Michigan, buy a home for 50 or $60,000 but generally speaking, I think the median home price today, I think it's crested over 400,000 I don't have the exact number, but I do believe over $400,000 and the average starter family, or even folks that are, you know, just working two jobs, making 40, $50,000 a year, they can't afford to purchase that type of home, a $400,000 home. And so again, these mobile homes you had mentioned, they're not building mobile home parks any longer. However, they're still building new mobile homes, and it's kind of interesting what's evolved over the past 10 years. The quality of the product is it's like a night and day difference of what it looked like 1015, years ago, of the homes themselves to what they look like today, and what you get for your money. You know, the average single wide that we might be putting into a community, brand new home, 13, 1400 square feet. Someone could come in and for roughly $80.70 $80 a foot, can buy a brand new home that's never been lived in before, that's unheard of, that's absolutely unheard of when you compare it to the average or the median home price across the US today. So it really is kind of the last frontier, and it's typically any market that we're in, if you take the same comparable quality of an apartment complex in the same, you know, area of town, the same school districts, we're typically about 20% less all in cost to actually own your own home, versus that of even renting the comparable size apartment. So it's a very compelling reason for folks that are looking for an affordable place, but not just affordable, but clean, safe and quiet. I mean, like we run very respectable communities, they're in the really good school districts. They're places that folks are proud to live and raise their families, then,    Keith Weinhold  10:22   yeah, that's true. This would really help meet that affordability challenge, another problem that's been so well documented. Talk to us more about what makes mobile home park investing different from investing in single family rentals or even a fourplex or a 20 unit apartment building.    Kevin Bupp  10:40   A lot of the fundamentals are similar, and I would say that it's probably more comparable to that of an apartment complex to a certain degree. Just think of it as a horizontal apartment complex, where units aren't stacked on top one another. They're just layout horizontally more wider than they are tall. But the bigger difference is in most instances, we don't actually own the homes, so the residents own the mobile homes, whereas we as community owners own the infrastructure, we own the land. We own the roads, when the sewer lines, the water lines, the common areas, if it has a clubhouse, if it has amenities, so we maintain and we own all that collective area where the folks basically come and they bring their home, they fix it to the ground, and then ultimately pay a slot rent to have their home there on that premise. And so for us, it's very attractive in that the resident that's in their home, if they have a Roofing Leak, they have a plumbing leak, they have their HVAC system go out. They're not calling us like they enter an apartment complex. It's on them, yeah. So they're homeowners. And a couple other really attractive elements of that that come as a result of having residents that live there, not just renters, is that they're very sticky. And so just like in a standard single family subdivision, where you've got folks that might have lived there for generations, you just reference that your parents literally live in the same house, and so they've lived there a very long time. It is quite common to find residents and even multi generations of the same family that live in our communities. And a couple come to mind. We just celebrated a woman's 50th year of living one of our communities in brendalin. And so you've got sticky resident base. There's not a lot of turnover. And then the last big piece of it that is really attractive us is a homeowner mentality is very different than a rental mentality as far as upkeep. And so you got folks that they plant flowers, they ensure that their units have curb appeal, right? They put flags out, they put decorations out during the holidays. It's a lot more warmth than that of what you might find in a traditional rental apartment complex.    Keith Weinhold  12:26   So what all does the tenant pay for? You mentioned that they pay for the lot rent. What other expenses do they have? How does that look for them?    Kevin Bupp  12:36   Typically, you know, utilities. So they'll have their own individual meter. They'll pay, you know, direct to the utility company, utility provider, water and sewer as well. They'll pay for their water and sewer usage. And that can come in many different forms. Sometimes, where our communities have public utilities, where it's built directly by the utility provider, sometimes it's more of a private system, where we're actually acting and participating as utility provider and building them back for their usage. Really the standard things that you might pay for if you live in a single family home. I think so the areas where it might differ. And honestly, this is really community by community for us, some of our communities, literally, the residents, they pay for the utility use, but outside of that, literally, we mow the grass, we shovel their driveway, we shovel their walkways, we handle all those type of elements, whereas some other communities, the residents we might require that they actually maintain their own grass so they their own grass, so they have to mow it, or hire a a third party vendor to come in and mow it. They might have to actually shovel their own driveway. And a lot of how we run a community really is depend on how it used to be run when we took it over. You know, if it's not broke, we don't fix it. And so a lot of times we don't like shaking things up too much. If they're used to a certain way, we just keep it status quo and continue rolling on of how the prior ownership used to manage it really similar elements of what a folks, an individual living in a single family home, might pay for so very similar.    Keith Weinhold  13:48   Okay, so they pay you the rent for the lot. This puts nearly all the maintenance and repair burden on them. So is there any sort of HOA like body here?    Kevin Bupp  13:58   Not in our community. You do find some communities, and most of these that have an HOA are typically a community that's gone through more of a co op type arrangement to where the actual individuals only like fractionalized share of the community, the residents that live there, and so then they have a the oversight from an HOA that's managing the daily operations, managing the financing, managing the budget, things like that. But in our communities, no, there is not an HOA, I'd say the one other thing that's typically included in lot rent is they don't have property taxes, right? So we own the land, and so the individuals that live in these units aren't paying individual property taxes. A lot of states require that they have a registration fee, just like you do in your vehicle, that they would have to pay on an annual basis. And then most of them have insurance as well. You know they're covering you're carrying homeowners insurance on the actual dwelling itself. Outside of that, it's, again, just pretty straightforward,    Keith Weinhold  14:47   yeah. So here we are in this low competition, low supply niche that we're talking about here we think about communities and nimbyism and building, not in my backyard. ISM oftentimes that's a sentiment that residents of a certain area have, residents say something like, ah, we don't want this new 200 unit apartment building or mobile home park here in our single family home neighborhood, like, that's nimbyism. But in mobile home parks, to me, it seemed like nimbyism is often at a different level. It's at the government or the municipal level, like your town or city, might not want one, because it doesn't generate as much property tax revenue as a new single family neighborhood would. Is that the reality? Kevin,   Kevin Bupp  15:31    that's absolutely the reality. And that's why you don't see new parks getting built. I think last year, ones that I know of, there are about a dozen that were built, many more than that. They're actually shut down, you know, for redevelopment purposes. And so that is absolutely huge part of it. In fact, you know, it's frustrating, because pretty much every municipality across the country the topic of affordable housing, it's on the radar, and it's probably one that is discussed quite often. And in all reality, again, these mobile home parks really would help resolve that challenge at most of these you know, municipalities are the shortage of homes, affordable homes, that they're facing across the country. And so, you know, another big piece of it, you mentioned the tax basis, absolutely, you know, the municipality would make, they'd have much better tax revenue from pretty much anything else that could be built there. And so that's a big barrier. But the nimbyism piece of it, I think a big part of that is it's unfortunate. I think it's getting better over time. There's bad operators in our space, just like they're bad operators in the apartment space, just like there's bad operators landlords that have single family homes that just let them deteriorate over time and don't repair things. Unfortunately, we kind of get lumped all the mobile home parks get lumped in that bad bucket. And so while there's, you know, I always joke and say there's mobile home parks that are on the wrong side of town, wrong side of the tracks, right? You don't want to go to and during the daytime. Well, guess what? There's subdivision, the single family home, neighborhoods that are the same thing, and there's apartments that are like that as well. You don't go anywhere near them. And you've got the middle of the road, right? You've got just the good, hard working, blue collar folks that want to send their kids to good public schools. We've got those communities apartments are that way too single family home subdivision, you got white collar stuff. You got some higher end stuff. Unfortunately, we kind of all get lumped in that bad bucket. That's where the assumption that's made by folks that don't understand mobile home communities have never driven through one. They just assume that it's all, you know, basically, drug, sex, rock and roll, the wrong element that we do not want in our neighborhood. We don't want anywhere near us. It's going to devalue our home prices. And for that reason, you just don't see them getting built. It's unfortunate, but it's the truth.    Keith Weinhold  17:20   Yeah, I'm just thinking about the mobile home park that I drive past most often. It's sort of walled off. There's maybe an eight or 10 foot high wall around it. I don't know if that's something that the municipality erected to sort of screen its appearance off, or something that the mobile home park built, which is my guess as to who built it, but not all mobile home parks look blighted   Kevin Bupp  17:43   absolutely, yeah. And I don't know the case that you just referenced there. I mean, it could be for sound deadening purposes, if it's off of a busy road. It could have been something put up as far as just to kind of shield off so folks that are driving past don't see the community. My guess would be that's probably not the the reason that was built. But in any event, these are, there's, you know, we've got a number of communities, Keith, that if you drove through, and I didn't, if I blindfolded you and you drove in, so you went past the entrance, you went past a sign that said manufactured home community, and I took you down a road, you wouldn't believe that you were actually in a mobile home park. Some of these homes, they're double wide homes, and they look like ranch homes, and so they're actually laid out perpendicular to this, or parallel to the street, and then they have two car site built garages that are attached to them via breezeway. So they look like your traditional ranch style home, but they're absolutely 100% mobile homes that could be moved if you wanted to move them, and for a fraction of the price of what a neighboring single family home might sell for. So there's all different qualities. They all come in different shapes and sizes. But to my point earlier, some of these communities, they're not even affordable. There's actually, there's down here in Florida, we've got what we call lifestyle communities. It's very common out in Arizona as well, where it's a lot of times a second home for snowbirds, you know, retirees that want to come down and want to live an active lifestyle. You know, they want to have two swimming pools. They want to have an activities director. They want to have, you know, shuffleboard and pickleball courts and tennis courts, and they want to live this lifestyle. And those units are anything but affordable. In fact, there's many. There's a community down the road for me that, you know, their lot rent is $1,200 a month, and so you factor that in with probably a house payment. And you know, you might be looking at 2000 to, you know, $2,300 a month, all in for the house and the lot rent. And so not necessarily in the affordable scheme of things, but they come in all shapes and sizes and again, unfortunately, we just get lumped into that bad bucket. It's unfortunate because I do think that we could really help start making a dent in this affordable housing crisis. I don't how it's going to happen any other way. I really don't, because we can't build affordable products at this point in time. It's not possible    Keith Weinhold  19:37   a posh an exclusive mobile home park there that you're referencing in Florida. As paradoxical as that sounds, tell us, Kevin, how that really works, because I know you help investors get in to mobile home parks. Does this mean an investor owns a full Park? Or I wouldn't imagine you're just doing it at the level where you just own one lot and then have One dweller pay you the lot rent. So tell us about how it works from the investor angle.    Kevin Bupp  20:05   We have fund structures that we typically roll out through sunrise capital investors and any one individual fund will own somewhere between nine to 13 somewhere, typically in that range, mobile home communities. These communities can range in size from maybe as small as 80 or 90 lots to the largest community we own at present time is 780 lots. And so it's quite large. I mean, the size of a small town. But essentially, investors come in and they own a based on their investment. They own a proportionate share of the various properties that are owned underneath that fund umbrella. And so one, an individual, might come with 100,000 and own a smaller proportion share than someone that comes in with a million dollars. But they are owners. They're absolute owners. They participate in the cash flow, they participate in the the upside, and they participate in the proceeds. When we have capital events, either cash out refinances or potential sale events.    Keith Weinhold  20:56   Tell us more about why it's so profitable. Why do mobile home park investors get excited,    Kevin Bupp  21:01   as with anything, Keith, you know, you got to buy it, right? And, you know, we look at a lot of deals, and a lot of deals don't pencil like, if we bought it for what they're asking, we would make money. We might lose money. And so the money's made on the buy, just like with any other type of real estate investment. But I think the one factor that really has allowed mobile home parks to be an attractive investment vehicle over the past, really, the last decade, it's grown the attention of lots of different private equity groups, institutional investors, that 15 years ago, they weren't in the space, and the biggest reason is a lot of these. It's a very fragmented niche, and so there was no consolidation that existed 10 years ago. There was really only two public traded companies outside that. It was mom and pops, mom and pops, that typically owned one, maybe sometimes two or three communities, but it was just a very fragmented niche. And what you find those fragmented niches that there's a lot of inefficiencies that exist in the operations. There's a lot of inefficiencies that exist with regards to utility management or managerial oversight within the community, or even keeping up with market rents. And so very often, we'll get into a community we just bought one at the end of last year, and right outside of Ann Arbor, you know, great sub market in Michigan. It's it literally has never traded hands. It was built back in the 80s by the gentleman we purchased it from. He was a subdivision developer, but he got into the manufactured housing space, so he built this, what looked like a subdivision, but it was mobile homes and and he basically owned it up until we acquired it last year, but gorgeous community, well maintained, needed some upgrades, different amenities that just were a little worn out and tired. But the biggest element within that community was that the market rents in the local area were roughly $800 a month. $800 a month for lot rent, and when we purchased it from him, the average lot rent throughout the community was $477 so there was a significant loss lease that exists. And we see this quite often with just over time they've owned it, free and clear, they go 567, years out, doing rent increases, and sooner or later, they find themselves in a situation where they are severely below the local market rents. And so there's typically a lot of loss, at least recapture, that we find going into these communities. Sometimes we'll also go in and we'll find there's a lot of waste with the water and sewer cost. It might not be billed back for usage to the residents, to where if you're not paying for something, sometimes you're abusing it. And a lot of times we can go in and put individual meters in and almost send entirely that savings down to the bottom line and find it as additional noi on our PNL. And so it's just inefficiency of operations, and again, quite common, given the mom and pop nature of this asset class. But it's very quickly becoming consolidated. Now it looks very different today than what it looked like as far as the ownership groups. When I go to an industry event 10 years ago, those other guys like us, and then a lot of mom and pops. Now it's, you know, the likes of reps from Blackstone and Carlisle group and and got lots of other institutional groups that are showing up there. So just it's very different world, and probably more akin to that of what the apartment sector looks like, as far as ownership groups and the consolidation that's happening.    Keith Weinhold  23:52   You're feeling more of that competition. Kevin and I are going to come back and talk about another, I suppose, real estate investment that has something to do with wheels, and that is investing in parking lots. I'm your host, Keith Weinhold   Keith Weinhold  24:07   if you're scrolling for quality real estate and finance info today, yeah, it can be a mess. You hit paywalls, pop ups, push alerts, Cookie banners. It's like the internet is playing defense against you. Not so fun. That's why it matters to get clean, free content that actually adds no hype value to your life. This is the golden age of quality email newsletters, and I write every word of ours myself. It's got a dash of humor. It's direct, and it gets to the point because even the word abbreviation is too long. 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While it's on your mind, start at Ridge lending group.com that's Ridge lending group.com.   Ted Sutton  25:51   Hey, it's corporate directs Ted Sutton. Listen to get rich education with Keith Weinhold, and don't quit your Daydream.   Keith Weinhold  25:59   welcome back to get rich education. We're talking about two real estate investment niches with Kevin bump today, an expert in both mobile home park investing and in parking lot assets. And Kevin, I got to tell you, I am more skeptical about parking lot investing than I am about mobile home park investing, but you can probably help me with this. I think we know that. I mean, gosh, just historically, ever since Henry Ford did his thing. I mean, mass transit adoption is really slow in most US cities. But anymore, one needs to wonder, okay, can autonomous cars disrupt the parking model? A Robo taxi can just constantly stay on the road, dropping off and picking up passengers where, you know, some people foresee a day in the not too distant future that people won't even need to own cars. They'll sort of have a subscription to a car service, but now this is where your expertise is. So I'm sure you thought above and beyond that. So what are your thoughts there, just for the need for parking spaces?    Kevin Bupp  27:11   You make a valid point. I think the adoption of that, it's, I think it will be very different from market to market, say, the city, whereas, if you want to maybe look at one area. We have a parking garage today in downtown Phoenix, Arizona. Phoenix is very much a driving city. It's parsed out very far the public transit. It's not great there. And again, it's just it's a wider state, whereas, if you compare it to like a San Francisco, the adoption of Robo vehicles and robotaxis and things like that autonomous vehicles is much, much faster than that of a of a phoenix. But also San Francisco is much a much more consolidated marketplace as far as the urban core. And so for that reason, you know, we look at parking, it's got a there's a couple things also that feed into that. So I want to back up a little bit. One of the major changes that has been really playing out over the past 15 years within the parking sector is that building departments within now, I think it's over 100 cities across the country. Denver just announced last week that they're also adopting this policy. And that policy is that historically, if you were Keith, you're going to go on, hey, I want to build this in downtown. I want to go build this apartment complex, condo complex, mixed use property, whatever it might be. Historically, they would have required you, whether you wanted to or not. They would have made you put in a certain amount of parking per 1000 square feet, every municipality would have a formula. And what, what a lot of these cities realized a couple decades ago is that, based on their, you know, antiquated formulas, they had a surplus of parking available on a lot of these downtown areas. You know, it wasn't being used. And given the developer an opportunity and the choice to say, Hey, do I want to build 20 more parking spaces that aren't going to get used? Or I want to build want to build 10 more apartment units, they're going to choose the apartment units. And so the parking mem requirements have been taken away, have been eliminated in a lot of cities over the last decade plus. And so that's created a shrinking supply of parking because now when developers build something, they're building only as much as they need, sometimes not even as much as much as they really need, because then they can still rely upon other ancillary parking structures within the immediate marketplace. And so, so there's a shrinking supply of parking. And every city that we own in today there's a massive shrinking supply of parking. So that's big piece of it that we know that inevitably, if we get the location right, an area where literally, you wouldn't be able to afford, based on the cost of construction and the cost of lands, they wouldn't be able to afford even building new parking structure, if you so chose to. And now that there's also a shrinking supply, diminishing supply, of this parking that we can be comfortable in our demand for our product, and so to the point of like autonomous vehicles and things of that nature, I do think there will be a time. I don't know how long that time is. I do think that there will be a time where we'll see some sort of impact. I don't know what that is. And so how we underwrite deals is we feel very confident over the next 10 years. We have to have a absolute confidence level over the next 10 years that there's going to be continual demand based on the various factors within this marketplace, the demand drivers that are servicing that garage, like, who's parking there, why they're parking there. But second to that, when we. Buy something. We need to have the air rights. We know that there inevitably will be a higher and better use. So Location, location, location, it's got to make sense today as parking. We got the underwriting has to stand on its own as parking, and we have to have a comfort level that 10 years, there will be sufficient demand throughout the duration of the next decade, in the event things start changing down the road, we know that, literally, the lowest use that it could ever have is its present use, which is parking because it's just a concrete structure, sometimes just an asphalt parking lot, to where, once you go vertical, that's where you're going to be able to unlock a lot of additional potential. And so we don't underwrite the future. We look at that as icing on the cake. But we know, based on the the location, the proximity to, you know what else is happening in that marketplace, that location will be in demand, not just today, but many decades to come. So I'll stop there and see if you have any clarifying questions.   Keith Weinhold  30:51   I think about how for the parking lot investor, Jamie Dimon has been really good for you. He is so hard on the return to Office. Mandate?   Kevin Bupp  31:01   Yeah, I'd say one thing that's important to make note is, I don't know what the future holds for office I tend to make the argument that wherever picking office building in a marketplace, wherever they're at with occupancy today, I think it's probably as good as it's going to get. We don't have to go down that rabbit hole. But I just I feel like it's been long enough since covid. And don't get wrong, there's gonna be a few companies that are going to be pressed that are going to be pressing, you know, in a big way, to get people back, but I think 80% of them that we're going to go back are already there. And so any parking asset that we look at, if it's got more than 10 or 15% as far as relationship with an office building or multiple office buildings in immediate vicinity, then we typically pass on it. And on top of that, it's got to have a variety of demand drivers. So it just can't be supportive of one or two different demand drivers. We have have at least five. And so it can be a courthouse, municipal buildings, sports arenas. It's got to be a 24/7 city where there's something happening, 24 hours a day, seven days a week, hotel, valet, restaurants, retail, things like that. And office has to be a very minimal part of that makeup, or else we just move on, because I don't know how to fix it. How to fix that problem yet. I don't know what's going to you know what the future holds for your traditional office towers, especially the ones that are, you know, 50, 60% vacant at the present time? Yeah, that's interesting, because when you look at a parking lot and you're evaluating its potential and its current use, yeah, you're basically thinking about, what is that tenant mix. You don't want 100% of it to be for one office building. You would probably want a number of uses. That's correct. Yeah, absolutely. Again, like I said, Five is our minimum. I mean, the more the merrier. And I'd say another big piece of it, if we had to look at the different demand drivers and put a value or a hierarchy of what we feel, what are the highest priority demand drivers, transient is the best. I want to know that the folks that are coming there, there's enough attractions in immediate vicinity, and we need to know what those attractions are, and better understand those attractions. But there's a variety of attractions in the immediate vicinity to where it's going to continually attract transient parking. So it's not just it's not a reliance upon one thing. And so, for example, we just closed on a garage in historic Philadelphia, and so it's a block away from Liberty Bell, two blocks from Independence Hall, any of other museums. I mean, like it's it is we talk about location, location, location. It's there that part of Philadelphia has been in demand by tourism for hundreds of years, and I don't foresee that that changing anytime soon. And so 70% of the makeup of the traffic in that garage is made up of transient traffic, so folks that are visiting the various attractions and immediate vicinity. So even if one of those attractions went away, which most of them are historical, they're not going to go away. If one or two did, it still wouldn't have that significant of an impact on the parking demand.    Keith Weinhold  33:36   That's interesting. Okay, a transient customer, not one that's showing up and parking there every day to go to work. And yes, the Liberty Bell, Independence Hall, there's going to be a long term demand to see those sorts of things in person. So that's an interesting way to think about that. And Kevin, while we've been talking about parking, at least in my mind's eye, a lot of times, I've just been thinking about one paved at grade parking area, but we're talking about parking garages as well. Or what are some of the trade offs there between parking garages and an at grade parking lot?    Kevin Bupp  34:08   Yeah, I mean, at grade parking lot is, can't get any simpler than that. I mean, typically they're asphalt or sometimes just crushed gravel, but that's it. So as far as future capex requirements, there's not many, right? It's very, very minimal. Whereas a parking garage, especially if it's in a colder environment, where there's snow and you've got salt on the road, salt that's making its way up the concrete, seeping into the cracks, you've got structural rebar issues to worry about, things of that nature. So weather can take a major toll on parking structures if they're not maintained well. Whereas you know the worst that could happen the same weather, you know, the weather takes the same toll on these asphalt parking lots, but it really only equates to maybe a pothole that you have to fill in, and a parking structure could be deteriorated to the point of no return if it's been neglected long enough to where it might be unsafe, structurally where you know now you're you're getting condemned or shut down. So big considerations there, it's interesting. We Own, the one we own in Phoenix, the Phoenix, it's a desert. It's a desert climate. They get very little moisture. And that was that parking garage was built in the 60s, so very long time ago. It's the oldest thing we have in our portfolio, but it better condition has been preserved better than that of of a recent garage we purchased that was built in 1990 that's all the environment that's in. You know, there's really not much that can deteriorate concrete once in the desert.    Keith Weinhold  35:22   Was there any last thing on parking lot investing like something that gets an investor really interested in this asset class? What's really compelling and profitable about it?   Kevin Bupp  35:33    It's very technology driven business, and what we have found is a lot of these parking assets, of either they're owned by, you know, an individual investor, or if they happen to be owned by an institution, they've never been viewed as the primary investment vehicle. A lot of institutions that own parking garages, they happen to own them by default, because maybe they bought the two office towers years back, and it just happened to come with parking right? And so a lot of times, they've been somewhat neglected, like the PnL has been neglected. They haven't found ways to really extract all the value out of these parking facilities. And so very commonly, we'll go in and we'll find that the technology that's in place is 10 years old. And think about what a computer 10 years ago look like, right? Like it's you're not catching all the license plates. You're not able to log in and adjust pricing in a dynamic manner based on supply, demand factors. And so we can simply go in and just create a more efficient pricing model and find sometimes, you know, 10 15% of additional revenue just from doing those simple things, like literally a few $100,000 worth of upgrades and technology, we can add millions of dollars of value. There's other factors, you know, just simple things folks want to park in a not just clean and safe, but well lit. You know, they want to feel safe in lighting. And we'll find parking facilities that still have old halogen lights. Half of them are burnt out. If you start serving people, they're actually not parking there in the evenings. They're finding somewhere else to go because they don't feel safe. And so just going in and doing a revamp, you know, an upfit with LED lights, making it nice and bright, bright and clean and letting everyone feel safe, we'll find a instant increase in demand and Parkers in the later evening hours. So I mean just little simple operational tweaks that we can make that just have simply been overlooked for many, many years by the prior ownership groups.    Keith Weinhold  37:15   That's really interesting, that oftentimes the owner of a parking lot owns that parking lot as an afterthought, because they were in it to purchase the building that accompanies the parking lot. So it would make sense that when you focus on that parking lot, you could really add value and profitability to that lot. Well, Kevin, these have been interesting chats between mobile home park investing and parking lot assets. I think that the commonality here is that you the investor, are just owning a lot, and therefore the maintenance and hassles with these things are really low. This gives our audience an awful lot to think about. So Kevin, are there any last thoughts that you have about this space overall, and then please let us know how our audience can learn more.    Kevin Bupp  38:02   No additional thoughts. I don't believe I'd say that if you have an interest, if we've piqued your interest at all, we've written a number of white papers on both asset classes, both parking as well as mobile home parks. You can download all that for free on our website. Invest with sunrise.com We've got a number of other case studies on our website. We're pretty transparent. Well, what we buy, what we've owned, what we've exited out of. We'll go as far as providing appraisal reports and third parties and things like that on our website. So if you just want to get a sense of not just who we are, what we do, but just have a better understanding of the investment thesis behind parking and manufactured housing, there's tons of resources that you can download from the website.    Keith Weinhold  38:37   Well, that's a great way to learn more about Kevin, what he does, and then maybe even invest alongside him. Well, Kevin, it's been valuable and eye opening. It's been great to have you back on the show.    Kevin Bupp  38:46   Yeah, thanks for having me, Keith. Been a lot of fun, my friend. Good seeing you again.   Keith Weinhold  38:57   Yeah? Good stuff from Kevin there. The MHP space becoming more consolidated and corporatized too. You know, single family rentals are different from mobile home parks in that way. I mean, 90% of single family rentals are owned by small mom and pops, which means those people that own between just one and five properties, Kevin used the term loss to lease a few times. That phrase loss to lease being a real estate education show what that term means is really a lot like how it sounds. It is the potential income that a property owner misses out on because the actual rent collected is less than the current market rent. That's what loss to lease means. Though, I like the long term future of mobile home parks more than parking deals. You know, Kevin did, though, have some great answers for why he still likes parking. He focuses on a 10 year horizon. He. Looks for at least five use types for the parking. And then another great point is that in a lot of cases, the land that the parking occupies is its lowest use. So therefore, when they sell the parking area, they can get some nice exit income. That makes a lot of sense. And being two native Pennsylvanians like we are, I am familiar with that part of Philly that he's talking about. In fact, what's funny is that, in producing this show today, I guess cookies are doing their thing. This parking lot deal in Philly just appeared in my Instagram feed next week on the show, it'll be back to no guest. It's going to be all me, and you're going to hear some things that you wouldn't expect to hear Until then, I'm your host, Keith Weinhold, don't quit your Daydream.   Dolf Deroos  40:51   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.   Unknown Speaker  41:19   The preceding program was brought to you by your home for wealth, building get richeducation.com

Sailing Odyssey ambience. I've been thinking of sailing lately, no reason — maybe I'm just missing the Vineyard (check out our MVY Harbor and Steamship ambience from this summer) or maybe it's still on my mind from this week. The Mediterranean was mentioned in my Night of the Living Dead episode from last week as well — a movie that was pushed in front of us on an AV Cart... we weren't going to be finishing up with Polyphemus and heading back to sea with Odysseus. We were going to watch rural Pennsylvanians battle the undead.We're not doing either today—we're justing going to sail without fear of interdiction from the sirens, the Laestrygonians, the lotus-eaters or worse.  Let's find Eos.

2 - Why did NBC invite Mike Johnson onto the Today Show if they weren't going to let her speak? 205 - What does Joe Concha think of that Mike Johnson clip? We welcome him back to the show today. How is his Top 100 Worst People list coming along? Who is in the top 5 right now? What is the fault line in the Democrat's shutdown strategy right now? When will Joe be back on Fox? 215 - Dom's Money Melody! 220 - Robot masseuses are on the rise in New Jersey! 225 - Your calls. 230 - Pennsylvania Treasurer and candidate for Governor, Stacy Garrity joins us to round out the show as the budget battle has reached an impasse. How are the polling numbers looking and what does Stacy think of the gap between her and Shapiro. Are the “head start” counties looking to cash in or break out of the program? What are the other top issues Pennsylvanians are facing right now? 250 - The Lightning Round!

12 - We kick off Friday with the protests raging in Portland as friend of the show Nick Sortor was arrested last night after an altercation with protestors. 1215 - Side - associated with LA and SoCal 1220 - How much money were thrown at these comedians performing at the Riyadh Comedy Festival? 1230 - Dom shows off the Bridgestone football. 1250 - Executive Director of the Delaware GOP Nick Miles joins us after University of Delaware students made fun of Charlie Kirk's death on their college's TV network. Has anything happened to the students and faculty who put this on? Has the university brass said anything on the matter? 1 - We need Senator John Kennedy on the program! His new book is hilarious! 105 - Pete Davidson is performing at the Riyadh Comedy Festival, despite his father being a firefighter who died on 9/11. Your calls. 115 - Dr. Victoria Coates joins us today after her and Rich Zeoli penned an Op-Ed for Fox News over Philadelphia City Hall deciding to fly the Chinese flag on their premises. How is this a play for soft power for China? This isn't a pro-Chinese-American stance by our leaders as they would say, would they fly a Cuban flag under the same circumstances? How can Hamas be overtaken in the war between Israel and Palestine? How is Dr. Coates able to articulate and explain the slightly complicated Trump foreign policy? Will there be US boots on the ground? 140 - What is this candidate for AG in Virginia thinking by saying this about a former Speaker of The House? Raw comes after Dom after his appearance this week on NewsMax. Your calls. 150 - Your calls to wrap the hour. 2 - Why did NBC invite Mike Johnson onto the Today Show if they weren't going to let her speak? 205 - What does Joe Concha think of that Mike Johnson clip? We welcome him back to the show today. How is his Top 100 Worst People list coming along? Who is in the top 5 right now? What is the fault line in the Democrat's shutdown strategy right now? When will Joe be back on Fox? 215 - Dom's Money Melody! 220 - Robot masseuses are on the rise in New Jersey! 225 - Your calls. 230 - Pennsylvania Treasurer and candidate for Governor, Stacy Garrity joins us to round out the show as the budget battle has reached an impasse. How are the polling numbers looking and what does Stacy think of the gap between her and Shapiro. Are the “head start” counties looking to cash in or break out of the program? What are the other top issues Pennsylvanians are facing right now? 250 - The Lightning Round!

Pennsylvania Governor Josh Shapiro is expanding on his promise to preserve vaccine access across the commonwealth… after a reversal on recommendations from the federal government. Pennsylvania researchers are pushing back against the recent announcement from the White House of a direct link between autism and the use of the painkiller acetaminophen, the active ingredient in Tylenol. Researchers at the University of Pennsylvania are exploring a treatment that uses a patient’s own body in a surprising way to fight cancer. CAR T-Cell Therapy: A Breakthrough in Cancer Treatment and the Path Ahead | The Spark House lawmakers approved background checks to purchase any type of firearm in Pennsylvania. The proposal faces long odds of passing the state Senate. Property owners in Pennsylvania who are worried about landslides and sinkholes may soon be able to breathe easier, after the state House voted to create a state-backed insurance program to cover them. As the federal government shutdown enters its third day, access to 400 National Park Service sites is varying on a park-by-park basis. Here in Central Pennsylvania, the Gettysburg National Military Park Museum and Visitor Center is remaining open and maintaining its regular hours for visitors. It's a different scene in Philadelphia. Thirty-three Pennsylvania counties will elect a sheriff on November 4th. And Lancaster is named to the list of "best small cities in America" as determined by WalletHub. Public media's federal funding has been revoked. Your support is now more vital than ever. Help power the independent journalism and trusted programming you find on WITF by making a gift of support now at www.witf.org/givenow.Support WITF: https://www.witf.org/support/give-now/See omnystudio.com/listener for privacy information.

Parents are bringing lawsuits against metaverse platforms like Roblox and Minecraft for exposing minors to predators. A case in Philadelphia has led the state Supreme Court to reexamine the city's open carry rule. Also, more and more Pennsylvanians are living to be 100 or older.

In Episode 7, host Jordan L. Fischer, Esq. interviews Representative Stephanie Scialabba, a state representative in the Commonwealth of Pennsylvania, who is using her experience in her prior career as a practicing attorney in data privacy and cybersecurity to advance the privacy rights of Pennsylvanians and create realistic solutions for evolving issues. In this episode, Representative Scialabba discusses her perspective on the legislative process around technology, privacy, and how she is approaching such a fast-paced and highly influential area of the law. For more information on Representative Scialabba, visit: https://www.repscialabba.com/. To contact our host, Jordan L. Fischer, Esq., regarding this podcast or to inquire into becoming a guest, please contact Ms. Fischer at jordan@jordanfischer.me.

Pennsylvania's Attorney General is advising residents to watch out for a scam involving threats of arrest by a local sheriff. Rain in this week's forecast may help ease dry conditions across central Pennsylvania. Over the past two weeks, all of Dauphin County began showing up on the U.S. Drought Monitor's map. Six months after a flood poured more than 5,000 gallons of water into the Lancaster Public Library, parts of the building’s first floor remain closed. The two organizations responsible for fixing the damage appear to be blaming the other for the holdup in repairs. The first NFL regular-season game in Ireland is set for Sunday. The Pittsburgh Steelers face the Minnesota Vikings at Croke Park in Dublin. 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.Support WITF: https://www.witf.org/support/give-now/See omnystudio.com/listener for privacy information.

Gambling is everywhere in Pennsylvania, including casinos, apps, the lottery, skill games, and fantasy sports. It's fun for some but also incredibly addictive. And while PA has a way for players to ban themselves from gambling, critics say it's easy to get around and the penalties don't incentivize big companies to prevent problem behavior. Axios Philadelphia's Isaac Avilucea joins City Cast Philly host Trenae Nuri to explain what's at stake and how our government actually benefits when Pennsylvanians play. Learn more about the sponsors of this September 23rd episode: Carnegie Library of Pittsburgh Heinz History Center Planned Parenthood of Western PA Babbel - Get up to 60% off at Babbel.com/CITYCAST Become a member of City Cast Pittsburgh at membership.citycast.fm. Want more Pittsburgh news?  Sign up for our daily morning Hey Pittsburgh newsletter. We're on Instagram @CityCastPgh. Text or leave us a voicemail at 412-212-8893. Interested in advertising with City Cast? Find more info here.

Democrats in Philly keep searching for ways to push back against President Trump and the policies that they say harm our city. So some are turning to Conor Lamb, a former Democratic congressman from Western Pennsylvania who lost to Sen. John Fetterman in the 2022 primary. On today's show host Trenae Nuri teams up with City Cast Pittsburgh host Megan Harris to talk to Lamb about how he thinks local Democrats should be responding to federal policies right now, and what he's hearing from Pennsylvanians as he goes around the state hosting town hall meetings. And: Will he run again? Get Philly news & events in your inbox with our newsletter: Hey Philly Call or text us: 215-259-8170 We're also on Instagram: @citycastphilly You can support this show and get great perks by becoming a City Cast Philly Neighbor at membership.citycast.fm. Learn more about the sponsors of this September 17th episode: Kidney Cancer Association  

After years of litigation, Pennsylvanians may finally get an answer to one basic question about mail-in voting. The state’s supreme court justices are weighing whether requiring voters to correctly add a date to mail-in ballot return envelopes is a constitutional violation or a reasonable burden. Researchers at the University of Pennsylvania may have found a way to prevent breast cancer from coming back in survivors. New clinical trial results show that finding and killing dormant or “sleeper” cancer cells before they become activated could be the key. Valley Forge National Historical Park is preparing for its 50th birthday, and the nation’s 250th anniversary. And now a deeper dive: Pennsylvania’s more than 500 magisterial district judges are elected to reflect their community’s priorities. That translates to hundreds of different approaches to justice, including justice for youth who are issued citations in schools. Public media's federal funding has been revoked. Your support is now more vital than ever. Help power the independent journalism and trusted programming you find on WITF by making a gift of support now at www.witf.org/givenow. Support WITF: https://www.witf.org/support/give-now/See omnystudio.com/listener for privacy information.

For National Recovery Month, we are joined by Matthew O. Hurford, MD, vice president, Behavioral Health, UPMC Insurance Services Division, and Michael Lynch, MD, an attending emergency physician and medical toxicologist at UPMC. Among the topics we hit on are the 4 crucial dimensions of recovery; understanding that addiction is a brain disease, not a moral failing; and the challenges and opportunities they encounter in providing behavioral health services to millions of Pennsylvanians.

On Monday, we checked in with Rep. Mike Kelly (R-PA16) to talk about the impact inflation is making on Pennsylvania constituents, along with tariffs and defunding of the Corporation for Public Broadcasting.

Conor Lamb lost his 2022 Senate primary to John Fetterman, but a lot of Pennsylvanians have buyers' remorse. (Have you seen all the public apologies? Even AOC wrote one.) With Lamb now holding town halls all over the state, can the former Congressman make a comeback? Does he even want to? Lamb joins City Cast Pittsburgh host Megan Harris and City Cast Philly host Trenae Nuri to share his take on what's happening in Washington, plus his plans for 2026 and beyond. Election day is Tuesday, Nov. 4. For more on PA's judicial elections, check out Spotlight PA: Pa. election 2025: A complete guide to candidates for Commonwealth and Superior Courts Municipal Elections 101: Judge of elections and other key voting positions on Pa.'s November ballot  Learn more about the sponsors of this September 11th episode: Fulton Commons AIDS Free Pittsburgh Huel - Get 15% off with code PITTSBURGH Become a member of City Cast Pittsburgh at membership.citycast.fm. Want more Pittsburgh news?  Sign up for our daily morning Hey Pittsburgh newsletter. We're on Instagram @CityCastPgh. Text or leave us a voicemail at 412-212-8893. Interested in advertising with City Cast? Find more info here.

The Warren Reports Vera Farmiga and Patrick Wilson have been Conjuring stories of demonic possession on movie screens for the last 12 years. Will their career as the preeminent paranormal investigators of the 1960s and 70s end in tragedy now that a Pennsylvanian family needs their help fighting off an axe-wielding ghost in 1986?  And can Ed and Lorraine keep shielding adult daughter Judy from a strangulating spirit tucked inside a mirror, or devil doll Annabelle, or even the sexual advances of suitor Ben Hardy (Bohemian Rhapsody)?  Hear the hosts give Last Rites to this series now!

Control of Pennsylvania’s highest court is at stake this November 4th, as voters decide whether to retain three Democratic Supreme Court justices. Supporters point to their impartial rulings and endorsement from the nonpartisan Pennsylvania Bar Association. Public agencies in Pennsylvania spend millions on private lobbying to influence state government and secure state grants. Some government officials say their lobbyists are well worth the nearly $7 million in taxpayer money spent statewide on these firms since the start of last year. Governor Josh Shapiro says his administration is prepared if Donald Trump sends the National Guard to the state. New federal approval for updated COVID-19 vaccines ahead of the fall and winter seasons comes with new restrictions for younger adults and children. But some aren’t waiting for the newly formulated shots and possible changes to eligibility. Falls are the leading cause of injury for people age 65 and older. Now, clinicians at Lankenau Medical Center near Philadelphia have invented a device that could lessen the impact of falls in these settings. Pennsylvania's Department of Human Services is launching a new website to help Pennsylvanians navigate changes to the Supplemental Nutrition Assistance Program known as SNAP. Drivers in the Harrisburg area might want to avoid I-83 during mid-day hours much of next week. As part of an ongoing reconstruction project, PennDOT crews will once again conduct blasting operations. Did you know that if every one of WITF’s sustaining circle members give as little as $12 more a month, we'd close the gap caused by federal funding cuts? Increase your gift at https://witf.org/increase or become a new sustaining member at witf.org/givenow, and thanks!Support WITF: https://www.witf.org/support/give-now/See omnystudio.com/listener for privacy information.

In episode 144 of White Canes Connect, Lisa Bryant and David Goldstein welcome an incredible team from the Library of Accessible Media for Pennsylvanians (LAMP) in Pittsburgh. Joining us are Mark Lee, Library Administrator; Mary Beth Parks, Patron Services Manager; Laura Hughes, Youth Services Librarian; and Jeff Wright, Manager of Technology and Materials Fulfillment. The LAMP team shares how their mission to make reading and media accessible has grown stronger, culminating in their recognition as the Library of Congress Network Library of the Year—an honor they've now received three times. Mark explains LAMP's history, their statewide reach, and how they're leveling the playing field for Pennsylvanians with print disabilities. Mary Beth details the vital work of reader advisors, guiding patrons through book selections, technology, and resources. Laura highlights engaging youth programs, from in-person and virtual story times to partnerships with schools and families. Jeff walks us through their tech support initiatives, from monthly open tech sessions to tactile programming and innovative use of 3D printing. This inspiring conversation showcases LAMP's creativity, collaboration, and genuine commitment to empowering people through accessible media. If you're not yet connected with LAMP or BARD, now is the time! Show notes at https://www.whitecanesconnect.com/144      Connect with the Library of Accessible Media for Pennsylvanians Learn more about LAMP on their website at https://www.mylamp.org. Email the team at info@mylamp.org or call them at (800) 242-0586. Listen to LAMP on episode 042 at https://www.whitecanesconnect.com/042/.  NFB of PA State Convention Registration is Open Registration is now open for the 2025 NFB of PA State Convention in Harrisburg from November 13 to November 16 at the Best Western Premier! Learn more at https://www.nfbofpa.org/state-convention/. Go directly to the registration form at https://www.nfbofpa.org/register/. Exhibit Hall table registration: https://nfbofpa.org/blog/showcase-your-products-2025-nfb-pa-state-convention-exhibit-hall.  An Easy Way to Help the NFB of PA Support the NFB of PA with every purchase at White Cane Coffee Company by going to https://www.whitecanecoffee.com/ref/nfbp. When you use that link to purchase from White Cane Coffee, the NFB of PA earns a 10% commission! Share the link with your family and friends! Listen to Erin and Bob Willman from White Cane Coffee on episode 072 of White Canes Connect.  Donate to the NFB of PA Like what you hear on White Canes Connect? Support us and donate to the National Federation of the Blind of Pennsylvania, visit https://www.NFBofPA.org/give/. We Want to Hear Your Story Reach out with questions and comments, or share ideas! We want to hear from you. Call us at (267) 338-4495 or at whitecanesconnect@gmail.com. Follow White Canes Connect Find out why White Canes Connect is currently ranked at #13 of the 100 Best Visually Impaired Podcast. Find the show on: Apple Podcasts: https://podcasts.apple.com/us/podcast/white-canes-connect/id1592248709  Spotify: https://open.spotify.com/show/1YDQSJqpoteGb1UMPwRSuI  YouTube: https://www.youtube.com/@pablindpodcast  Visit our website at https://www.whitecanesconnect.com/.

Gov. Josh Shapiro says Republican lawmakers are stalling state budget talks to gain a political advantage ahead of next year’s governor’s race. Pennsylvania Senator Doug Mastriano, a Franklin County Republican, says he’s still months away from a decision whether he’ll run again for governor. While Mastriano deliberates, the state’s Republican leaders are coalescing around State Treasurer Stacy Garrity as the party’s preferred candidate. Affordable housing is an issue for many Pennsylvanians, including older Pennsylvanians. That’s why a new $19 million senior citizen housing complex is now up and running in Lackawanna County. Pennsylvania State Police are investigating a shooting that happened Monday night in Lemoyne, Cumberland County. The campaign of state treasurer Stacy Garrity - who has announced her candidacy for governor - may hinge on her fundraising ability. A report by our partners at Spotlight PA reveals that Garrity's fundraising abilities are largely untested. It's been more than 2 years since a Norfolk Southern freight train went off the tracks in eastern Ohio just across the Pennsylvania border. In that time major freight carriers have failed to join a federal program aimed at reducing such hazards. The lives of 39 Schuylkill County firefighters were honored at the recent Schuylkill County Volunteer Firefighters' Convention. While the dust is settling from the Little League World Series held in South Williamsport, there's likely a game and storyline from this year's competition that you haven't yet heard about. Last weekend, under blue skies, a baseball team from Luzerne County not only had their baseball dreams come true, but they showed an international audience what can be possible through sports. 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. Support WITF: https://www.witf.org/support/give-now/See omnystudio.com/listener for privacy information.

Hundreds of people from across the state traveled to Philipsburg Sunday to protest, at the Moshannon Valley Processing Center. Farmers and environmentalists are criticizing the U.S. Department of Agriculture for cutting a program that funded climate change resistance projects. The Pennsylvania Game Commission has resumed their Elk Cam. Pennsylvania's top election official is rejecting a call from the Trump administration to hand over sensitive voter information. York City Police Commissioner Michael Muldrow says he's ordering detectives to investigate a hate-related incident after it went viral across social media, sparking community outrage. A federal appeals court judge has upheld the death sentence for a York County man convicted in the murders of three children and two adults more than 30 years ago. Pennsylvania's Broadband Development Authority is approving nearly $800 million in federal grant money aimed at connecting all Pennsylvanians to high-speed internet. More than $140,000 is being awarded to 35 arts organizations across a six-county area of central Pennsylvania. Public media's federal funding has been revoked. Your support is now more vital than ever. Help power the independent journalism and trusted programming you find on WITF by making a gift of support now at www.witf.org/givenow.Support WITF: https://www.witf.org/support/give-now/See omnystudio.com/listener for privacy information.