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teaching redemption sermon 1 corinthians 12 mobile apps peoria sermon series

Play Episode Listen Later Aug 31, 2026 87:39

Sermon Series | 1 CorinthiansTo give to our M25 Initiative, text m25 to 623.252.5085 or visit redaz.in/m25.To download our Mobile App, search Redemption Church Peoria where you download apps to your device(s).To connect with us, visit this link: http://redaz.in/RPTo invest in our ministry financially, visit this link: https://bit.ly/3roZDAW

How to Improve EVERY Aspect of Your Life: An Interview with J.R. Briggs (Episode 297)

The Savvy Sauce

Play Episode Listen Later Aug 24, 2026 46:17

How to Improve EVERY Aspect of Your Life: An Interview with J.R. Briggs (Episode 297) Proverbs 11:24 (MSG) The world of the generous gets larger and larger; the world of the stingy gets smaller and smaller. *Transcription Below* J.R. Briggs (DMin) possesses four passions: following Jesus, equipping and investing in hungry kingdom leaders, growing fruit on other people's trees, and creating good kingdom mischief. In short, his calling is to partner with people who are called to follow Jesus while they lead others. In 2011 he started Kairos Partnerships, an organization committed to help leaders overcome their unique leadership challenges through leadership coaching, consulting, speaking, and writing. For more than 15 years, J.R. served in pastoral roles in mega-churches, church plants and house church networks. Since starting Kairos Partnerships, he has served and invested in ministry leaders in over 40 denominations throughout North America. In addition to ministry leaders, he has invested in a wide variety of leaders, including business owners, college presidents, military leaders, Division 1 basketball coaches, and non-profit directors. He serves as a guest instructor in the Master of Arts in Spiritual Formation program at Friends University and the Master of Arts in Leadership program at Taylor University. He has lectured, taught and spoken at over a dozen colleges, universities, and seminaries around the U.S. He also serves as the Director of Leadership & Congregational Formation for The Ecclesia Network and as a National Trainer & Strategist for Fresh Expressions U.S. In addition to writing several books on a wide variety of topics, he has also published articles in Christianity Today, Huffington Post, Preaching Today, American Bible Society, N.T. Wright Online, Missio Alliance, and Relevant Magazine. He hosts the Resilient Leaders podcast. J.R. and his wife Megan have two sons and live in the greater Philadelphia area. J.R.'s Website J.R.'s Book Thank You to Our Sponsor: Leman Property Management Questions and Topics We Cover: Can you contrast Jesus' teaching with field trips to the way we structure a typical Sunday morning in America? Will you also share how you arrived at asking yourself two questions that have opened numerous doors for you? Once we put this into practice for ourselves, how can we begin to cultivate it in our children as well? Other Savvy Sauce Episode Mentioned: 219. Training Our Children in Biblical Financial Stewardship with Matt Bell Connect with The Savvy Sauce on Facebook or Instagram or Our Website Gospel Scripture: (all NIV) Romans 3:23 “for all have sinned and fall short of the glory of God,” Romans 3:24 “and are justified freely by his grace through the redemption that came by Christ Jesus.” Romans 3:25 (a) “God presented him as a sacrifice of atonement, through faith in his blood.” Hebrews 9:22 (b) “without the shedding of blood there is no forgiveness.” Romans 5:8 “But God demonstrates his own love for us in this: While we were still sinners, Christ died for us.” Romans 5:11 “Not only is this so, but we also rejoice in God through our Lord Jesus Christ, through whom we have now received reconciliation.” John 3:16 “For God so loved the world that he gave his one and only Son, that whoever believes in him shall not perish but have eternal life.” Romans 10:9 “That if you confess with your mouth, “Jesus is Lord,” and believe in your heart that God raised him from the dead, you will be saved.” Luke 15:10 says “In the same way, I tell you, there is rejoicing in the presence of the angels of God over one sinner who repents.” Romans 8:1 “Therefore, there is now no condemnation for those who are in Christ Jesus” Ephesians 1:13–14 “And you also were included in Christ when you heard the word of truth, the gospel of your salvation. Having believed, you were marked in him with a seal, the promised Holy Spirit, who is a deposit guaranteeing our inheritance until the redemption of those who are God's possession- to the praise of his glory.” Ephesians 1:15–23 “For this reason, ever since I heard about your faith in the Lord Jesus and your love for all the saints, I have not stopped giving thanks for you, remembering you in my prayers. I keep asking that the God of our Lord Jesus Christ, the glorious Father, may give you the spirit of wisdom and revelation, so that you may know him better. I pray also that the eyes of your heart may be enlightened in order that you may know the hope to which he has called you, the riches of his glorious inheritance in the saints, and his incomparably great power for us who believe. That power is like the working of his mighty strength, which he exerted in Christ when he raised him from the dead and seated him at his right hand in the heavenly realms, far above all rule and authority, power and dominion, and every title that can be given, not only in the present age but also in the one to come. And God placed all things under his feet and appointed him to be head over everything for the church, which is his body, the fullness of him who fills everything in every way.” Ephesians 2:8–10 “For it is by grace you have been saved, through faith – and this not from yourselves, it is the gift of God – not by works, so that no one can boast. For we are God‘s workmanship, created in Christ Jesus to do good works, which God prepared in advance for us to do.“ Ephesians 2:13 “But now in Christ Jesus you who once were far away have been brought near through the blood of Christ.“ Philippians 1:6 “being confident of this, that he who began a good work in you will carry it on to completion until the day of Christ Jesus.” *Transcription* Music: (0:00 – 0:09) Laura Dugger: (0:12 - 1:44) Welcome to The Savvy Sauce, where we have practical chats for intentional living. I'm your host, Laura Dugger, and I'm so glad you're here. Leman Property Management Company has the apartment you will be able to call home, with over 1,700 apartment units available in Central Illinois. Visit them today at lemanproperties.com or connect with them on Facebook. J.R. Briggs is one of the most intriguing humans I've encountered, and it's hard to sum up his bio, as he's had so many experiences in his past through various pastoral roles, and then he became the founder of Kairos Partnerships, where he invests in leaders. He's also a podcast host, in addition to his work as an author. His most recent book is The Art of Asking Better Questions, and it's summed up in the intro, where he writes, "I have a bone-deep conviction that all of us need to ask more questions and better questions. Doing so can change your life and the lives of those around you." So now we get to actually learn how to make this happen with my guest, Reverend Dr. J.R. Briggs. Welcome to The Savvy Sauce, J.R. J.R. Briggs: (1:44 - 1:45) Thanks for having me. I'm looking forward to this, Laura. Laura Dugger: (1:46 - 2:00) Well, I'd love to go back and first hear a little bit more of your origin story. So, do you attribute your love of questions and your skill for asking great questions more to nature or nurture? J.R. Briggs: (2:01 - 5:04) That's a fantastic question. No one has ever asked me that, Laura. So, right off the bat, well done. I love good questions like this. I think it's a little bit of both, and I'm not just wimping out on that answer. Here's what I mean. I grew up in a wonderful home, still great friends with both my parents, and my parents, especially my dad, they were great question askers, and I saw them model this really well in the home. And I think in previous generations, it was, you know, kids are to be seen but not heard. That was not how my parents operated. They very much said, "You know what, we want to know what you think." And so, dinner times were great. Even hearing the way, especially my father would ask questions of people in the lobby at church or our neighbors, or we'd be at some party, and the way he would ask questions, I would just listen and say, "Wow, this is fascinating, the kind of conversations that are happening because of this." So, modeled really well, but also observed a lot, and more is caught than taught. And I observed my parents doing this really well. And I thought, these are really fun conversations to just eavesdrop in on as a kid. And then also, I began to notice that there were people that were really fun and lived inspiring lives, and they asked great questions. And I noticed the people that had, that lived really small, uninspiring lives, I realized they weren't asking very many questions. And I began to say, "Well, which kind of person do I want to be? I kind of want to be in the first group. Well, what's the difference? These people are asking questions, regular questions, quality questions." And I thought, "Ooh, I need to pay attention to this and actually lean in to do this more." So, I often learned how to do it too. So, there was the nature piece, the nurture piece, or the nurture, the nature piece there, the nurture piece, I did study. I'm kind of a nerd. And so, I would watch people who ask great questions and say, "Why was that a good question? What did they do? Why did they ask it that way? How did they know to ask that question as opposed to something else?" And so that was really helpful. But then I began to notice as I read my Bible, I got a red-letter edition of my Bible and began to notice how many red question marks there were. And I began to take a pen and circle all of the red questions, question marks that Jesus asked. And I thought, "Wow, the way the truth and the life, who had all the answers, yet he asked a ton of questions." So that sent me on a deep dive that eventually I studied. And my doctorate, my dissertation for my doctorate was on learning to equip leaders to ask better questions in the way of Jesus. And so, using him as that model. So, there's a very long answer, Laura, to a very short question, is it nature or nurture? I really believe it's both. And I hope I can continue to learn in my own life until my last breath to how to be a better question asker, because it's that powerful. Laura Dugger: (5:04 - 5:57) Mm-hmm. I agree with that. And I love the humility in that response. Also, as you share it, it reminds me of a scripture from Proverbs 11:24, the Message version, which I believe previous guest Matt Bell had shared this as it relates to finances. But J.R., I hear it through your lifestyle of generosity with questions. And the verse says, "The world of the generous gets larger and larger. The world of the stingy gets smaller and smaller." So, I love how you illustrated that. But you're also the first person that I heard articulate this beauty of asking questions for connection rather than just for information. So, can you explain more of why questions are such a generous gift and an offering of hospitality? J.R. Briggs: (5:58 - 8:36) Mm-hmm. Yeah. Well, one of the things that really hit me, I touched on this earlier, that Jesus is the way, the truth, and the life, the second member of the Trinity, who knows everything. Why would he ask so many questions? Well, he also said, "I only do what I see my Father doing." What did he see his Father doing? If you look in the Old Testament, God asks a ton of questions too. So, I said, "Wait a second. Okay. The all-knowing, all-powerful God of the universe, why does God ask so many questions when he already knows the answer?" And that drove me to say, maybe it wasn't just for information. And I began to think about Adam and Eve in the garden and say, when he says, "Where are you?" It wasn't because God didn't know. And it wasn't a geographical question as much as I think it's a relational and theological question that he wants Adam and Eve to answer. And so, as a result of that, I said, "Why then would God do that?" Well, God already knows, but he desires connection with us. And then I thought, "Ooh, yeah, that isn't just God to us. There are times where I ask questions of my kids when they were younger, or of other little kids at church, where I know the answer already, but I'm asking it as a way of building trust and shared story and connection with them." And I thought, yeah, there's real connection when it comes to questions. And when we do that, when we offer our full selves, the French philosopher, Simone Weil, she said, "Attention is the rarest and purest form of generosity." And as a result of that, that's the hospitality piece. And I think, let's not forget that the word hospital is in the word hospitality, that our questions and our attention can actually be a form of healing that we offer to other people. When we think of hospitality, we often think of, I don't know, making a fresh pie or laying out doilies and sweeping the house before someone comes over. That can be part of it. But the real definition of hospitality is making new people feel comfortable in new situations. And so, what do good questions do? They help people who might feel new or an outsider feel like they're an insider. And I believe that's one of the beautiful benefits of questions where people say, "Man, thank you. No one has ever asked me that." Or "I feel seen. Wow, you really want to care. You care enough to know what I'm thinking." That is an unbelievable gift that we can give to others as a form of hospitality. Laura Dugger: (8:36 - 8:55) And I think that illuminates what you even say up front in your book, that you do believe that these questions can change our life and the lives of those around us, and especially through this powerful book that you've written. So, can you elaborate on that claim? J.R. Briggs: (8:56 - 10:33) Yeah, the dimensions of your life expand or contract depending upon the questions that you ask. So, when we refrain from asking good questions, our world gets smaller. And when we start to ask better questions, and more frequently, our worlds begin to expand. And so, what I tell people is we don't have a shortage of information. We have a shortage of wisdom and curiosity and wonder. And so, what we need to kindle in that is that desire for and that ability to ask the right questions at the right time for the right reason to the right people. And if we want more information, we should just Google it. But if what we're after is wisdom and connection and engagement, we need questions. And questions are, I think we all would admit, Laura, questions are important. I don't think that we would realize just how powerful they actually are. And so, the goal of the book was to unleash and wake up the sleeping giants that exist and say, this can be used for good. There's so many, again, we don't have a shortage of information. But asking good questions is a lost art. And the goal is to try to help people realize its power, that it's more accessible. They're free. They can be used at any time. They don't have a shelf life. But we just need to cultivate the desire for it and then have some skills to lean in, because it really can be such an unbelievable gift. The questions that we ask often reveal the values that we hold. And so that's another way that we can press into that as well. Laura Dugger: (10:34 - 10:49) Okay, so let's say that the desire is there. Maybe for all of us, probably the skill is a little lacking. How can we begin to get a little bit better at this or just get started with asking better questions today? J.R. Briggs: (10:49 - 14:18) Yeah, well, we got to start, Laura, by admitting that there are a lot of obstacles that exist that our culture puts in front of us to make it hard to do that. One is we're in an attention-seeking age, right? I mean, the joke says enough about me, what do you think about me? And so, because we live in the social media, look at me, look at me reality that we're in, it's really hard because questions are the opposite. I'm putting the spotlight on you rather than on my own life. But we also are in a culture of great efficiency, and so questions feel inefficient. They feel really inefficient, like it slows things down. How many of us have been in a meeting and we're about to get up and someone says, "Any questions?" And someone, "Oh," and we just say, "No, no, no, we were just about to leave, you're slowing us down." And so that in the business world and in sales, that's the number one thing is questions. We got stuff to do and things to sell. But if we can just slow down, it's better. But those are some of the obstacles that exist. So, if we're assuming we have curiosity, we have wisdom, we have humility, and we have courage, which are the four components. If those are there, then there are some things that we can engage in that can help us and several practices, like the simplest practice we can do when we hear a good question, write it down. A lot of people feel like two things. They have to come up with all the questions themselves. You don't. I love questions. I'm pretty good at questions, but I don't generate all my questions. I've read them on billboards or heard them on a podcast or overheard somebody in line at Starbucks behind me. And you go, "Man, that's a really good question. Write it down." We think we're going to remember later, Laura, and that's the second thing. We won't. We have to write it down. And I just encourage people, open up the notes section of your phone and just have something on there that says great questions. When you hear of one, think of one, read of one in a good novel, write it on the list. You can always return to it later. So, just awareness, number one, that my radar is up, listening for good questions, can be a great start. And then also just to reflect later to say, "What was the best question I asked today or in that conversation or in that meeting or over dinner with my family? What was the best question I asked?" So, that's a little bit of reflection, but also preparation. Anytime we go into a meeting, anytime we go into any sort of connection, even if it's coffee with a friend, to always see if I can come with two questions ahead of time. Now, sometimes I write them down, sometimes I don't. I may not even get a chance to ask them, but just coming prepared where I say, "Oh, I'm meeting with my friend, Sam. Oh, Sam's dad just had significant surgery. So, here's an important question. Sam, how's your dad doing? And how are you doing as you care for your dad?" It's a little bit of preparation. It's not an hour. I'm just spending five minutes on my drive to the coffee shop to say, "My first question is going to be, Sam, how's your dad? And how are you doing caring for your dad?" So, just a little bit more thought. It doesn't require three times the amount of effort. Sometimes it's just five or 10% more effort and intentionality that can improve our question asking. Laura Dugger: (14:19 - 16:29) So much thoughtfulness there. Appreciate that. And now a brief message from our sponsor. With over 1,700 apartment units available throughout Pekin, Peoria, Peoria Heights, Morton, and Washington, and with every price range covered, you will have plenty of options when you rent through Leman Property Management Company. They have townhomes, duplexes, studios, and garden style options located in many areas throughout Pekin. And make sure you check out their newest offering; the McKinley located in Pekin is a new construction addition to their platinum collection. Featuring nine-foot ceilings, large spacious layouts, beautiful finishes such as quartz countertops and garages, you won't want to miss this outstanding new property. In Peoria, a historic downtown location and apartments adjacent to OSF Medical Center provide excellent choices. Check out their brand-new luxury property in Peoria Heights, overlooking the boutique shops and fine dining on Prospect. And in Morton, they offer a variety of apartment homes with garages, a hot downtown location, and now a brand-new high-end complex near Idlewood Park. If you want to become part of their team, contact them about open office positions. They're also hiring in their maintenance department. So, we invite you to find out why so many people have chosen to make a career with them. Check them out on Facebook today or email their friendly staff at leasing@lemanprops.com. You can also stop by their website at lemanproperties.com. Check them out and find your place to call home today. Clearly J.R., Jesus has been a role model for asking questions. So, can you contrast what you describe as Jesus's field trips that he takes his disciples on versus the way that you view Sunday mornings in a lot of churches in America? Can you kind of contrast those two? J.R. Briggs: (16:29 - 18:42) Yeah, oftentimes when I'm talking to pastors or leaders, faith leaders, I remind them of this. But yeah, Jesus loved to take his listeners on three field trips, three kinds. First one, he took them on physical field trips. We see that where Jesus says, "You know, look at the birds of the air, look at the lilies of the field," or "Look at the woman putting in two mites in the temple treasury." Life is a classroom. And so, he loved taking people on literal field trips. Number two, he took them on emotional field trips by telling them stories, not in abstract ways of thinking, but the kingdom of God is like a woman kneading dough. It's like a fisherman who caught fish. It's like a father with two sons. And I think we're wrapped up in that when we watch a good movie, and we cry and laugh and we're scared. Those are all because a beautiful story did something to us. It took us on some sort of emotional field trip. And then third is a mental field trip, which we're talking about here by asking questions. Jesus asked a ton of questions. And as a result of that, got people thinking in new ways. Now, if the way, the truth and the life, if anyone had the right to just give answers, it would be Jesus. But instead, he chose to ask a lot of questions. And so those three field trips, literal by going on walks, getting outside of a classroom, the mental field trip of asking questions and the emotional field trips of telling stories. Jesus did that all the time. Once you know that and you read the gospels, you'll see it everywhere. The problem is, as you were referring to, Laura, on Sunday mornings, what do we do? We sit people in a church in pews. Almost all of the teaching or formation happens in the same room. Instead of telling stories, we give abstract information. And instead of asking questions, we just give answers. And then we sit around and wonder, "Why is no one changing?" And my gentle encouragement is, what would it look like if we actually learned to teach others the way Jesus actually taught? Imagine that. So, it's a bit of a stretch because culturally we're kind of drawn in to the way we've always done it in church. And yet oftentimes Jesus did almost the opposite of the way in which we teach today. Laura Dugger: (18:44 - 18:55) And so, if you see that as an opposite, do you have any practical ideas of just a small tweak that we could make on Sunday mornings to be more like Jesus? J.R. Briggs: (18:56 - 20:32) Sure. I always try to say, is there any way I can get people's bodies or their hearts up out of the seat? So, "Hey, I want you to stand up and turn to the person next to you." Or, "Hey, we're going to move around the room." Some of you say, "What? We would never do that at our church." And I would say, take a risk. Jesus did all sorts of things that surprise people. So, how can I get their hearts and their bodies up out of their seat? Number one. Number two, can I tell a few more stories than I have in the past in my teaching or preaching or Sunday morning? And then also, can I engage with questions by asking them questions at the beginning? Can I leave them with some reflection questions in the bulletin or on the website the next week? Or can I actually have them asking questions of each other or of the text itself? And so oftentimes, why do I feel like I'm the one that has to speak the whole time when I'm preaching? What if instead I allow them to ask questions of each other, of God, and even of myself? And sometimes when I preach, I allow the last five or 10 minutes for people to ask questions about the text to myself and everyone else. Now, is that a change? Yeah. Would that freak out some churches? Maybe. But it can be a way that people walk away and say, "Wow, I learned, I was engaged, I was formed, and I encountered God in a new way that I haven't in the past." Which is the whole goal, that we don't just learn more about the Bible, is that we know the God of the Bible. That's the whole point of why we gather together as a church. Laura Dugger: (20:33 - 20:46) And that would be so memorable. But also, as you're speaking about stories, are you willing to share the story of one of the times that you asked a question, and it turned out better than you could have ever asked or hoped for? J.R. Briggs: (20:47 - 22:27) Yeah. I could think of several, but sometimes just asking people, "Why is that?" Just as a follow-up. It's amazing what can spill out. And I go, "Oh, that confronted my biases. That confronted my assumptions and what I thought about them." And so sometimes just asking some of that has been incredibly helpful to just ask that follow-up question. I won't tell the whole story that I recounted in the book, but oftentimes when there are tears, it was Charles Spurgeon that said that tears are like liquid prayers. And so, when people are showing some emotion, I sometimes will say to them, even if they're not a follower of Jesus, even if they're not religious, "I'm curious. It's been said that tears are liquid prayers. Can you put words to the prayers that your face is praying right now?" And I've had some of the most unbelievable conversations where people can identify the prayers that their face is praying. And even in my own life, where I just step back and go, "Why am I, why was I so moved by that novel? Why was I so moved by that movie? Or what just happened in front of me? Or why, where are these tears coming from?" As Frederick Buechner said, we'd be best to pay attention to our tears. And so that question of what are the liquid prayers, can I put words to the prayer that my face is praying has been an unbelievably meaningful and eye-opening thing for me and also with people that I've been with. Laura Dugger: (22:29 - 22:37) Will you also share about how you arrived at asking two questions that have opened numerous doors for you? J.R. Briggs: (22:38 - 25:21) Yeah. Yeah. When I was in college, I had the privilege of studying in Israel for the semester. This is fall of my junior year. Absolutely loved it. And our class was on a four-day field trip up around the Sea of Galilee. One night I was down by the lake and happened to notice as the sun was about to set that there was a big fishing vessel that had just come in. And I had always wanted to go fishing on the Sea of Galilee, not just take a boat, not just see fishermen, but like be on the boat and fish with fishermen. I don't even love fishing myself, but I just wanted to experience what Jesus and his disciples experienced on the lake. And there was a big industrial ship that came in. They brought in their day's catch. And I thought, "Oh, I should ask them if I can go fishing with them." And Laura, and then, you know, the realistic brain in me said, "Why would they ever allow a college, American college student and a study abroad program to go fishing with them tomorrow?" And I had these two questions that hit me, Laura. "Well, what's the worst they could say? No, or heck no, or get out of here. You're crazy." And number two, "Can I handle that? If they were to say that." Those two questions, I thought, "You know, I can handle it now. Let me ask what's the worst he could say. Let me ask." So, I went up and I said, "Excuse me, can I talk to your captain?" And they said, "Menachem is over here." So, I introduced myself to him and I said, "Menachem, I've always wanted to go fishing on the Sea of Galilee. I'll pay you $50. If I can go fishing for the day, use me as, as I mean, any work me to death. If you want, like I'm here, I just want to." And he looked at me, he said, "I don't want your money." He said, "Join me tomorrow morning at 6 a.m. And you can come fishing with us." And I walked away and went, "Unbelievable. My dream is coming true." And I had an unbelievable day, but I realized I can't say no for someone else. What's the worst they could say? No. Can I just ask and handle it if they said no? Yep, I can handle it. Those two questions, Laura, have shaped me immensely throughout my lifetime. I've really, I've done that in a lot of different ways. And a lot of times people say no, and I can handle that. But a lot of times people said yes. And some doors have opened simply because I asked. And I actually think of that verse often, Laura, where it says you do not have because you do not ask. It's not name it and claim it prosperity gospel. But we just have to realize that sometimes we just need to ask to put ourselves out there and see what people say. Laura Dugger: (25:23 - 25:55) That is so good. And I have applied those questions since reading that in your book, even as I reach out to ask you if you would do two recordings. So, I'm so grateful that that you said yes, I'm delighted that today's not our only conversation. But I'm curious also, J.R., when you had that experience, a lot of us may not ever get to go fish on the Sea of Galilee. So, did you learn anything that brought the Bible to life or anything about Jesus or anything that you can share with us from that incredible experience? J.R. Briggs: (25:55 - 27:37) Oh, there's so many, but I'll limit it to one. When we started out that morning, the sea was so calm. I mean, it was like glass. It was beautiful. The sun was rising, not a cloud in the sky. And it was great. But I've always wondered these like storms. You know, the Sea of Galilee is not a sea. It's a lake. It's 10 miles by six miles. It looks like a harp. And that's why it's called Lake Kinneret. In Hebrew, that means harp. So, it's harp lake is the way that we could call it. But I thought it's still a lake. How can there be storms that would have professional fishermen that would be screaming, thinking they were going to die? How is that possible? Well, wouldn't you know it, Laura? As beautiful as it was, the clouds rolled in. And then later that afternoon, there was a squall of a storm. I have never been in more intense in my life. And it happened right there. Now we're in a maybe two-ton, three-ton fishing vessel. But even that, we had to go below deck because it was so brutal. The waves, the wind, we couldn't see more than 10 feet in front of us. And I thought, "Ah, now I get it. If I'm just in a wooden boat with my fellow, you know, disciples here, I can see why this could get a little panicky." And that was, I think, a little God wink for me to be able to experience both the peace and calm, but also this treacherous storm and go, "Ah, now I won't read my Bible the same again when I hear about the, you know, the disciples freaking out with the storm or seeing Jesus walk on the water approaching them." So, that's one of many, but that sticks out to me a great deal that I got to experience a very intense storm. Laura Dugger: (27:38 - 28:27) That is so incredible. Even just going back, so those two questions that you were willing to ask led to this incredible experience. And now people from around the world get to benefit from the lessons that you learned at that time. So, I think you're giving us so much encouragement for asking questions. Guess what? We are no longer an audio only podcast. We now have video included as well. If you want to view the conversation each week, make sure you watch our videos. We're on YouTube and you can access videos or find answers to any of your other questions about the podcast when you visit thesavvysauce.com. What happens to our brain or within our brain when we're asking or being asked a question? J.R. Briggs: (28:28 - 30:19) Yeah, this was an incredibly fun part of the research for me was what does this do neurobiologically to us? And so, what neurologists have found is when they put nodes all over your brain to kind of see how the brain activity happens, when you're given information, your brain lights up. But what they found is when someone is asked a question, your brain explodes like fireworks, the synapses that are firing, and it just lights up like crazy, like fireworks in the night. And one of the things they said, as much as we think we can multitask, we can't. We do a lot of switching, task switching, but not multitasking. But they said what happens is they use the word hijack. You can hijack someone's brain when you actually are asking a question of someone, even if it's for two seconds. And so, if I were to ask your listeners, Laura, "What are the color of the shoes you're wearing right now?" Whether your listeners liked it or not, I just hijacked their brain for a split second there, and they went, "What are the color of my shoes?" And so that's immense amount of power to, quote unquote, hijack someone's brain. So, we need to use that power wisely. But it's an immense amount of power that we can have when we ask someone a question, not just give them an answer, which I love when current neurobiological research matches up with scripture and with the way Jesus taught. How did Jesus teach? A ton of questions. What happened? He engaged with people. They participated with him. They were forced to learn and be participants, not just talking theoretically about faith. And I thought, isn't that just like Jesus? He knew how our brains are wired. And so, he uses questions as a way of maximum connection, challenge, engagement, and formation. Laura Dugger: (30:20 - 30:43) Wow. And you've cultivated, like you say, this holy curiosity. So, I am curious for you, J.R., when you're in a conversation and you find yourself asking question after question, have you been in a situation like this where they don't reciprocate, they don't ask any questions back? And how do you handle that internally and externally? J.R. Briggs: (30:44 - 32:41) Yeah, it's hard because we live in a culture that hasn't modeled that well to ask good questions. And sometimes it's been hard. And I admit that sometimes there's a sense of loneliness. When I have a lunch meeting and my wife will say, "How was your lunch meeting today?" We have a code word where I say either waiter or waitress. And it means the waiter or waitress came and took my plate away because I was done with my meal before they had taken one or two bites of their food. And oftentimes that happens where we leave a meal and we realize, "I don't think I was asked a single question this whole lunch." Or we go to a dinner party, no one asked me a single question. And that can be really hard. And I love asking people questions. And it's not like I'm just ramming it down their throats to ask question after question like Elf with his brother walking through Central Park where he's just rattling off question after question. I was giving pause, I was taking a bite of my food, allowing them to ask a question or two, and they never did. And sometimes people say, "Well, I don't really know, I'm not good at questions." And I say, one of the simplest things you can do is what I call the way question, W-A-Y. It's just to say, "What about you?" I've been talking. What about you? To just hit the ball back over the net and to allow us to engage in some conversational pickleball. It's been on my side, let me hit it. Now it's on your side and you hit it back. That's how all healthy relationships exist. And so, it's been a little disappointing at times to realize you can go, and I'm sure you and others have experienced that. That's really hard. And to have people that can just say, "What about you? What do you think? Have you ever experienced that?" Or "I have another question for you." That's how healthy relationships are cultivated when there's that back and forth in conversation. Laura Dugger: (32:42 - 32:51) Okay. And so, if we want to cultivate that back-and-forth conversation, can you just share a few more tips for ways that we can level up our questions? J.R. Briggs: (32:52 - 34:24) Sure. Yeah. There's a unique, almost universal principle when it comes to question asking. If you ask a generic unthoughtful question, you will almost always get a generic unthoughtful answer. "How are you?" "Fine." "How's your weekend?" "Good." But if you ask a thoughtful, specific, engaging question, you almost always get a thoughtful, specific, engaging answer. It's as predictable as a communist election. It's amazing how that works, where we can just, if we can just level up. So, if a lazy question would be, "How was your weekend?" I encourage people to say, what would 10 or 15 percent of a more thoughtful, specific, or focused question be? So, you could say, "Of your whole weekend, how would you describe your weekend in two or three adjectives?" That's a little bit different than just, "How was your weekend?" Or, "Hey, how are you doing?" That's good. You might say, "What has been the most interesting thing about your day so far?" It just takes a little bit more intentionality. When you ask it that way, you won't get the fine, good. You'll get the, you know, "I had a really interesting sales meeting today at 10 a.m. You know, I bumped into my neighbor, and we had the best conversation at the mailbox." Those are the kinds of answers you get because we ask the more specific, thoughtful question. We'll get more specific and thoughtful answers. So, that's what I encourage people to do. Just level up to be just a little bit more pointed by 10 or 15 percent and see what happens. Laura Dugger: (34:26 - 34:40) Okay. So, hopefully we're all going to put this into practice. But then also, if we have children in our home, what can we do to be teaching them this same goal of reciprocity and asking great questions? J.R. Briggs: (34:40 - 37:02) Yes. I'm so glad you brought this up, Laura. There's so much that we can do. I try to do this. We try to do this with our kids when they were younger. Our kids are 19 and 16 now and we still engage in good questions with them. But when they were little, we would do things. I would crawl into bed with each of them at bedtime and we would do question of the night. And so, I would say, "You get to ask dad any question you want and then I get to ask you any question that you want." And so, age appropriate, you know, what's your favorite ice cream color or ice cream flavor or your favorite color? But sometimes they would pull out some really fascinating ones. Like one time, my youngest son said, "Dad, what does God smell like?" And it just made me laugh. I just thought, what a great question from a five- or six-year-old about that. And so just being intentional there at bedtime has been really good. Car time is really important. And I really try to see if I can ask some questions that I can't ask in other places because now I've got their full attention. We're in the car together. And even as my sons are now older, when they're in the car together, something about staring out the windshield together to be able to talk through some things has been really good. It could be about school, could be about life, could be something trivial, but to know that this is a place where we can talk. And so, car time, bedtime, and the last one I'll give is dinner time. We have a big chalk wall next to our dining room table. And we'll just randomly put up questions, thoughtful questions. And then we'll sometimes say after prayer, "Okay, boys, when they were little, you know, you each get to pick one question off the wall that we talk about tonight." And it just became a real easy way. And you can make up one if you want, or there are questions here. We also found a deck of cards that actually had questions on each one. It was like a questions deck. And so, we'll say, "Great, like you can pick off the wall, you can make up your own, or just pick a question that's in the deck." And just doing that where everybody got a chance to share around the table became such a way, such a rich conversation but a way to remind them questions are okay, encouraged, and a wonderful part of being a part of a family. Laura Dugger: (37:03 - 37:32) Those are such great ideas. I love that and that we can implement some of that right away. But as we're starting to wind our time down together, I would love to hear one more story about a time that a question dramatically changed the outcome of a friendly gathering that you write about on the back patio of a Capitol Hill home in Washington, D.C. Yeah, I remember reading this story, Laura, and I was so moved. J.R. Briggs: (37:32 - 39:52) I was moved to tears that I ran over to my wife and I said, "Listen to this story." And we both just sat there crying. Yeah, these families were on the back porch on a wonderful summer evening enjoying some stuff on the grill. And all of a sudden a gunman came up behind one of the teenage girls and held a gun to her head and said, "Nobody move, give me your money or I'm going to shoot." Everyone froze, rightfully so, the terror that they experienced. And one woman just blurted out the first thing that came to her mind. She said, "Why don't you sit down and have some wine with us?" Which is not something that has ever come to my mind if someone were to walk in and rob me. And sure enough, he put his gun in his belt and sat down and had some wine. And he said, "Boy, this is really good wine." And I said, "Why don't you enjoy some more to eat?" And then afterwards, she said, "Can I give you a hug?" And the guy was totally startled. Yeah. And then afterwards, everyone else decided to give him a hug. And as they enjoyed food, you know, they're all tense and not sure what to do or what's going on. At the end, he said, "Can I have a group hug together?" And then he slipped out the back and even the glass, the wine glass that he had, it wasn't even broken. He just set it up right behind the back gate. And I just was so moved by that. Like, "Do you want a glass of wine? Do you want a hug?" Not things that would come to my mind, but it was so jolting and surprising. I think it humanized him. And before he left, the robber said, "I think I've come to rob the wrong house tonight." It's amazing what a question can do. That was a question of immense hospitality. You're welcome here. That's the last thing that this robber ever expected. So, I just love that story. I love that story because it reminds us once again how powerful questions actually are. Laura Dugger: (39:53 - 40:09) And I think it illustrates at the heart of questions is love. And that motivates so much of the work that you get to do, J.R. So, can you just share a little bit more about the work you do get to do and share how we can be connected after this conversation? J.R. Briggs: (40:10 - 41:07) Sure. Yeah. I've been a pastor for 15 years, but in 2011, I started what's called Kairos Partnerships. And it was passionate about leaders because leadership can be lonely, overwhelming, and sometimes leaders feel ill-equipped. And so actually our organization was started based on three questions. Who pastors the pastor? Who leads the leader? Who shepherds the shepherd? So, we work with some pastors, but we work with all sorts of entrepreneurs and businesspeople and Chick-fil-A operators and college presidents and division one men's basketball coaches, anyone who's following Jesus, but leading others. And so, we do that through coaching, through consulting, through writing, speaking, spiritual direction. And so, our team, I have a wonderful team, and the team really walks alongside of leaders who are wanting to be equipped so they can lead with clarity and confidence moving forward. Laura Dugger: (41:08 - 41:27) I love that. Well, we will put a link to your website and the show notes for today's episode, but J.R., you may be familiar. We are called The Savvy Sauce because savvy is synonymous with practical knowledge. And so, as my final question for you today, what is your savvy sauce? J.R. Briggs: (41:28 - 42:03) One of the prayers that I pray regularly is, "Lord, would you grant me wisdom, courage, and compassion?" And all three of those are important because if I have wisdom and courage, but no compassion, I'm careless. If I have wisdom and compassion, but no courage, I'm riskless. And if I have compassion and courage, but no wisdom, that can be reckless. But if I have wisdom, courage, and compassion together, that's priceless. And so, I just try to pray that regularly because I say, "Lord, I want to be a wise, compassionate, courageous person for you." And I would encourage your listeners to pray that prayer for wisdom, courage, and compassion as well. Laura Dugger: (42:05 - 42:20) Those are great words that I would use to describe you, J.R. And you are humble and warm and engaging. And I have greatly appreciated your book. I've already told people it's my favorite book that I've read in recent history. J.R. Briggs: (42:20 - 42:22) So, thank you. Laura Dugger: (42:22 - 42:31) Well, thank you. That's very kind of you. Yes, very easy to compliment it. But thank you for being my guest, and I look forward to hosting you again next time. J.R. Briggs: (42:31 - 42:33) Sounds great. Looking forward to that as well. Laura Dugger: (42:35 - 45:49) One more thing before you go, have you heard the term gospel before? It simply means good news. And I want to share the best news with you, but it starts with the bad news. Every single one of us were born sinners, but Christ desires to rescue us from our sin, which is something we cannot do for ourselves. This means there's absolutely no chance we can make it to heaven on our own. So, for you and for me, it means we deserve death, and we can never pay back the sacrifice we owe to be saved. We need a savior, but God loved us so much. He made a way for his only son to willingly die in our place as the perfect substitute. This gives us hope of life forever in right relationship with him. That is good news. Jesus lived the perfect life. We could never live and died in our place for our sin. This was God's plan to make a way to reconcile with us so that God can look at us and see Jesus. We can be covered and justified through the work Jesus finished. If we choose to receive what he has done for us, Romans 10:9 says, “that if you confess with your mouth, Jesus is Lord and believe in your heart that God raised him from the dead, you will be saved.” So, you pray with me now. Heavenly father, thank you for sending Jesus to take our place. I pray someone today right now is touched and chooses to turn their life over to you. Will you clearly guide them and help them take their next step in faith to declare you as Lord of their life? We trust you to work and change lives now for eternity. In Jesus name we pray. Amen. If you prayed that prayer, you are declaring him for me. So, me for him, you get the opportunity to live your life for him. And at this podcast, we're called The Savvy Sauce for a reason. We want to give you practical tools to implement the knowledge you have learned. So, you're ready to get started. First, tell someone, say it out loud, get a Bible. The first day I made this decision, my parents took me to Barnes and Noble and let me choose my own Bible. I selected the Quest NIV Bible and I love it. You can start by reading the book of John. Also get connected locally, which just means tell someone who's a part of a church in your community that you made a decision to follow Christ. I'm assuming they will be thrilled to talk with you about further steps such as going to church and getting connected to other believers to encourage you. We want to celebrate with you too. So, feel free to leave a comment for us here. If you did make a decision to follow Christ, we also have show notes included where you can read scripture that describes this process. And finally, be encouraged. Luke 15:10 says, “in the same way, I tell you, there is rejoicing in the presence of the angels of God over one sinner who repents.” The heavens are praising with you for your decision today. And if you've already received this good news, I pray you have someone to share it with. You are loved and I look forward to meeting you here next time.

1 Corinthians 11:23-34 | 1 Corinthians

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Play Episode Listen Later Aug 24, 2026 37:04

Constructing a Stronger Peoria!

stronger constructing peoria

Play Episode Listen Later Aug 24, 2026 9:59

Greg and Dan talk with Chris Setti of the Greater Peoria Economic Development Council about the importance of the construction industry to Greater Peoria's economy and the region's strong history within the field. He discusses the continued demand for construction workers, the challenge of finding enough skilled employees locally, and why careers in the trades can provide valuable and rewarding opportunities. He also explains how nearly every aspect of economic growth relies on people who can physically build and maintain the region's homes, businesses, infrastructure, and new developments, making a strong skilled workforce essential to Peoria's future.See omnystudio.com/listener for privacy information.

1 Corinthians 11:17-22 | 1 Corinthians

teaching redemption sermon 1 corinthians 11 mobile apps peoria sermon series

Play Episode Listen Later Aug 17, 2026 33:06

The Stalker: Police Say They Found Who Was Sending the Messages, Part 21

Pretend Radio

Play Episode Listen Later Aug 13, 2026 42:18

For almost five years, the Fernandez family told me their doctor's husband was terrorizing them. Threatening messages, unpaid pizza deliveries, police at the door for crimes that never happened. Three weeks ago, Peoria police surrounded their house with a search warrant and seized every device inside. Nobody was arrested that day. Then this week, one of the Fernandez children was booked into a Maricopa County jail on more than thirty counts, including stalking, making a terrorist threat, and sexual exploitation of a minor. All charges are allegations. No one has been convicted, and the case is ongoing. Catch up on the full series here: https://open.spotify.com/playlist/41KG24W8b5Lz0dzHsU3LoP?si=3aaeef5a367d4c2d Learn more about your ad choices. Visit podcastchoices.com/adchoices

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Gems of the Prairie Quilters present annual quilt show Aug. 22 and 23

Out and About

Play Episode Listen Later Aug 13, 2026 4:30

On this week's episode of Out and About, Mae Gilliland of ArtsPartners of Central Illinois talks with Joyce Blank of Gems of the Prairie Quilters about the group's annual quilt show, taking place Aug. 22 and 23 at the Life Together Center in Peoria.

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Inside Peoria's Road Projects

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Play Episode Listen Later Aug 13, 2026 12:51

Greg and Dan talk with Nick McMillion, Communications Specialist for the City of Peoria Public Works Department, about ongoing road construction at Northmoor Road and University Street, along with other projects happening throughout Peoria. He explains how many of these improvements are planned years in advance, what goes into taking a project from the planning stages to construction, and how the city works to improve roads and infrastructure while minimizing disruptions for drivers. He also breaks down how traffic signals operate, how their timing is determined, and what drivers should know while navigating construction zones around the city.See omnystudio.com/listener for privacy information.

Something We Said!

Play Episode Listen Later Aug 11, 2026 12:38

Greg and Dan talk with Dr. Elizabeth Pryor, daughter of legendary Peoria-born comedian Richard Pryor, ahead of her appearance in the Peoria Riverfront Museum's Museum Conversations series tonight, August 11. Dr. Pryor, a professor of history at Smith College, reflects on returning to Peoria for the first time since 1978, her career in education, and her journey to understand her father not simply as a famous entertainer, but as a person. She discusses what she's learned through that process, the importance of listening and trying to better understand one another, and why conversations like this allow her to continue connecting with her father's life and legacy. She also highlights her new book, Something We Said: Richard Pryor, a Notorious Word, and Me, which will be the focus of tonight's conversation. For more information, visit www.peoriariverfrontmuseum.org See omnystudio.com/listener for privacy information.

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For What It's Worth!

Play Episode Listen Later Aug 11, 2026 11:54

Greg and Dan talk with musician Barry Cloyd about his upcoming performance, For What It's Worth: A Tribute to Stephen Stills in Song & Story, happening August 22 from 6:30-8:30 p.m. at the Contemporary Art Center of Peoria. He shares details about the show and how he'll celebrate Stephen Stills' influential career through a combination of live music and storytelling. He also discusses his own artwork, previews some of the songs audiences will hear, and shares what makes Stills' music and legacy worth celebrating. Advance tickets and reservations are available through 309Tix.See omnystudio.com/listener for privacy information.

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1 Corinthians 11:2-16 | 1 Corinthians

teaching redemption sermon 1 corinthians 11 mobile apps peoria sermon series

Play Episode Listen Later Aug 10, 2026 37:07

For What It's Worth: A Tribute to Stephen Stills in Song & Story, coming Aug. 22

Out and About

Play Episode Listen Later Aug 6, 2026 4:30

On this week's episode of Out and About, Mae Gilliland of ArtsPartners of Central Illinois talks with Barry Cloyd about For What It's Worth: A Tribute to Stephen Stills in Song & Story, coming Aug. 22 to the Contemporary Art Center of Peoria. Blending live music with storytelling, the multimedia performance traces Stills' career through Buffalo Springfield, Crosby, Stills, Nash & Young and his solo work.

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Courtesy Violation | Ledgestone Open Left Us Speechless | Recap & Hot Takes

Courtesy Violation- Disc Golf Podcast

Play Episode Listen Later Aug 6, 2026 52:47

#LedgestoneOpen #DiscGolf #DGPT #PDGA #DiscGolfPodcast #Innova #NikkoLocastro #BigZDiscs #DiscGolfNews #CourtesyViolationPodcastThe Courtesy Violation Podcast is back with another week of the biggest stories in professional disc golf! This week we're breaking down everything that happened at the 2026 DGPT+ Ledgestone Open in Peoria, Illinois, one of the biggest and most prestigious events on the Disc Golf Pro Tour calendar. We recap the biggest storylines, standout performances, tournament drama, clutch shots, leaderboard shakeups, and what the results mean for the rest of the 2026 DGPT season and the race toward the PDGA Professional Disc Golf World Championships. We also dive into Innova's brand-new DISCatcher GO basket. Is this portable, PDGA-approved target the future of backyard practice baskets, temporary tournament layouts, and traveling disc golfers? We discuss the design, portability, durability, who it's really for, and whether it's worth adding to your practice setup. Plus, we talk about Nikko Locastro joining Big Z Discs to help support his tour schedule for the remainder of the season. What does the partnership mean for Nikko, Big Z Discs, and the professional disc golf landscape? We break down our thoughts and what could happen next. (YouTube)If you're a fan of professional disc golf, DGPT coverage, PDGA news, disc golf equipment, Innova, Discraft, Discmania, Dynamic Discs, MVP Disc Sports, Latitude 64, Simon Lizotte, Paul McBeth, Gannon Buhr, Calvin Heimburg, Ricky Wysocki, Eagle McMahon, Isaac Robinson, Anthony Barela, Kristin Lätt, Eveliina Salonen, Ohn Scoggins, Silva Saarinen, and everything happening in the world of disc golf, you've found your people.Subscribe for weekly disc golf news, tournament recaps, hot takes, player signings, equipment reviews, industry news, interviews, rankings, and plenty of laughs along the way. Use code CVPOD at Russell Disc Golf to save 10% on your order, and use SHIP50 for free shipping on qualifying orders. If you enjoyed the episode:• Like the video • Subscribe to the channel • Leave a comment with your thoughts on the Ledgestone Open, the new DISCatcher GO, and Nikko's new sponsorship.• Share this episode with your disc golf crew.https://b2842e-a7.myshopify.com/Support The Podhttps://podcasters.spotify.com/pod/show/courtesyviolationpod/supportSpotifyhttps://open.spotify.com/show/0BCNJlXk0j6mTr8BS0c7W6?si=d13d8827bb594368Apple Podcasthttps://podcasts.apple.com/us/podcast/courtesy-violation-disc-golf-podcast/id1631228548X/Twitterhttps://x.com/CViolationpodInstagramhttps://www.instagram.com/cviolationpod/Intro Song by Fascinus Rexhttps://beacons.ai/fascinusrex

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Episode # 265--America's Saint: Venerable Fulton Sheen

Say Yes to Holiness

Play Episode Listen Later Aug 4, 2026 42:58

In this episode, Christina Semmens speaks with Dr. Peter Howard, founder and president of the Fulton Sheen Institute and the Fulton Sheen movement, about why Venerable Fulton J. Sheen's life and message are especially urgent today.During this conversation, Dr. Peter Howard shares his inspiring faith journey, his deep admiration for Venerable Fulton J. Sheen, and details about the upcoming Fulton Sheen conference and beatification. Listen now to discover how Sheen's teachings can transform your spiritual life and inspire a renewed evangelization effort in America. Key TopicsFulton Sheen's impact on American CatholicismThe importance of the daily holy hourSheen's approach to evangelization in the modern worldThe significance of Sheen's beatification in 2026TakeawaysFulton Sheen emphasized the importance of the daily holy hour for spiritual growth.Sheen's teachings focus on meeting people where they are to evangelize effectively.The upcoming conference and beatification are opportunities to rediscover Sheen's wisdom.Sheen's approach to evangelization involves addressing the wounds of the modern person.The movement around Sheen's legacy aims to inspire a renaissance in faith and family.Sheen's message is not a finish line; it is a launch pad.Sheen's life offers a blueprint for meeting the challenges of the modern world. Sound Bites“We are just now beginning to rediscover why God has given us him.”“Support the Vicar of Christ through prayer and defense.”“Make your daily holy hour and ask the Lord.”Chapters00:00 Introduction to Dr. Peter Howard and Fulton Sheen01:32 Dr. Howard's Faith Journey and Discovery of Sheen05:02 The Transformative Power of Fulton Sheen's Recordings07:52 Sheen's Call for the Holy Hour During WWII11:15 The Significance of Sheen's Beatification in 202614:36 Key Themes in Sheen's Teachings for Today19:45 Sheen's Anthropological Approach to Modern Disordered Man23:09 Vatican II, Sheen, and the Battle for the Church27:19 Details of the Fulton Sheen Conference and Pilgrimage33:33 Speakers and Highlights of the Conference41:55 Mary, Sheen, and the Mission of EvangelizationResourcesFulton Sheen Conference Treasure in ClayFulton Sheen - Official YouTube Channel EWTN - Fulton Sheen Collection Pope John Paul II on SheenLinks for Dr. Peter HowardWebsiteTwitter Beatification Pilgrimage: Begins September 19 in Peoria, and is a once-in-a-lifetime opportunity to celebrate “America's Saint” and encounter Sheen's legacy through speakers, pilgrimage sites, and liturgical events.America's Conference on September 23rd. Featured Speakers:Bishop Joseph CoffeyMonsignor LandryJason JonesFather Thomas LoyaFather Jason SharonTammy PetersonJohn YepDale AlquistSherry BallingerSister Dede ByrneTerry BarberArthur Brooks

Habakkuk 3 | Habakkuk

teaching redemption sermon mobile apps peoria habakkuk 3

Play Episode Listen Later Aug 3, 2026 37:23

Sermon Series | HabakkukTo give to our M25 Initiative, text m25 to 623.252.5085 or visit redaz.in/m25.To download our Mobile App, search Redemption Church Peoria where you download apps to your device(s).To connect with us, visit this link: http://redaz.in/RPTo invest in our ministry financially, visit this link: https://bit.ly/3roZDAW

The Battle over Fulton Sheen's Beatification

Avoiding Babylon

Play Episode Listen Later Aug 2, 2026 65:34 Transcription Available

Want to reach out to us? Want to leave a comment or review? Want to give us a suggestion or berate Anthony? Send us a text by clicking this link!A saint's cause gets cleared for the finish line, then suddenly stalls for years. What happened, who pushed back, and why did it revolve around something as physical as Fulton Sheen's remains? We walk through the full timeline with Dr. Peter Howard, who has spent decades studying Sheen's life, writings, and prophetic edge, and who helped rally a grassroots movement to push for clarity and progress.We talk about the New York vs Peoria clash, the court case led by Sheen's niece, and the quiet urgency of moving a body once the courts ruled. Then we get into the official “caution” explanation that kept coming up: the looming New York attorney general report on clergy abuse handling. Howard shares why he believes Rome never had a theological or canonical problem with Sheen's cause, and how institutional fear and American church politics combined into an indefinite postponement that left the faithful confused and frustrated.From there the conversation opens up into the bigger questions people bring to Sheen: his “anti-church” warning, his apocalyptic language as an “unveiling,” and the sense that our era is accelerating into spiritual conflict. We connect Sheen's insights to Marian themes, Our Lady of Guadalupe, Lourdes, and Fatima, and we wrestle with modern pressures like propaganda, ideological capture, gender ideology, and the rush toward AI and transhumanism. It's a Catholic Church conversation that stays anchored in history, theology, and the practical need for hope.We also share details for the Fulton Sheen beatification conference and pilgrimage, built to help Catholics understand why Sheen matters now and how “America's saint” could shape a uniquely Catholic culture in the United States. If this helped you, subscribe, share it with a friend who loves Fulton Sheen, and leave a review. What part of the Sheen story still feels unanswered to you?Support the showGet 10% off an amazing Black Monk Rosary by going to https://www.blackmonkrosaries.com/?ref=AVOIDINGBABYLON and using code AVOIDINGBABYLON at checkout!Check out our sponsor, Nic Nac, at www.nicnac.com and use code "AB25%" for 25% off of your first order!Please subscribe! https://www.youtube.com/channel/UCKsxnv80ByFV4OGvt_kImjQ?sub_confirmation=1https://www.avoidingbabylon.comMerchandise: https://avoiding-babylon-shop.fourthwall.comLocals Community: https://avoidingbabylon.locals.comFull Premium/Locals Shows on Audio Podcast: https://www.buzzsprout.com/1987412/subscribeRSS Feed for Podcast Apps: https://feeds.buzzsprout.com/1987412.rss

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“The Covenant's Messy Path: …'Here Comes This Dreamer…'”

The Mike Broomhead Show Audio

Play Episode Listen Later Aug 1, 2026

“From the Word to Stone to Flesh: Torah’s Living Covenant,” pt 14 Hebrews 11:17-22 New Revised Standard Version Updated Edition 17 By faith Abraham, when put to the test, offered up Isaac. He who had received the promises was ready to offer up his only son, 18 of whom he had been told, “It is […]

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Peoria State Hospital - The Man Who Cried at His Own Funeral

Destination Terror

Play Episode Listen Later Jul 29, 2026 34:54

Four thousand people are buried on a hill outside Peoria, Illinois, and most of them don't have names — just numbers, pressed into small flat stones. For eight years, every time one of them went into the ground, a man was there to cry. He couldn't speak. Nobody ever learned his real name. The staff called him Old Book, after the only thing anyone knew about his past, and they loved him. He dug the graves of strangers and then wept for them under an elm tree at the edge of the field, because no one else was coming. Then in 1910 they buried him — and roughly four hundred people watched him cry at his own funeral. This week on Destination Terror, we're going to Peoria State Hospital, and it isn't the asylum story you're expecting. There were no cruel doctors here. No barbaric experiments. The man who ran this place took the bars off the windows and fought the Illinois legislature over the word "incurable." The horror on this hill isn't cruelty. It's grief — thousands of people who died unclaimed in a place that was genuinely trying, and went into the ground under a number anyway. The Graveyard Elm. The coffin that came up empty. And a hospital superintendent who risked his entire scientific reputation to write down what four hundred people saw, for one reason: so somebody would remember the old man who cried at every funeral. #DestinationTerror #Eeriecast #TrueHaunting #HauntedHistory #PeoriaStateHospital #BartonvilleAsylum #OldBook #GraveyardElm #HauntedIllinois #AbandonedAsylum #GhostStories #Paranormal #TrueGhostStories #HauntedPlaces #Illinois EXPLORE MORE SPINE-CHILLING CONTENT: Freaky Folklore: https://www.eeriecast.com/podcasts/freaky-folklore Carman's Crypt (Original Horror): https://www.carman-carrion.com/ Deadly Intent (True Crime): https://www.carman-carrion.com/ Destination Terror: https://www.eeriecast.com/podcasts/destination-terror ________________________________________ SUPPORT THE SHOW: Buy Me a Coffee: https://buymeacoffee.com/carmancarrion ________________________________________ CONNECT WITH CARMAN: Website: https://www.carman-carrion.com/ YouTube: https://www.youtube.com/@CarmanCarrion Twitter/X: https://x.com/CarmanCarrion Instagram: https://www.instagram.com/carmancarrion/ ________________________________________ SUBSCRIBE & REVIEW: Spotify: https://open.spotify.com/show/0uiX155WEJnN7QVRfo3aQY iTunes: https://podcasts.apple.com/us/podcast/freaky-folklore/id1550361184 Your support helps bring you more terrifying tales. ________________________________________ DISCOVER MORE HORROR: http://eeriecast.com/ https://www.carman-carrion.com/ ________________________________________ MUSIC CREDITS: Music and sound effects provided by: ElevenLabs Learn more about your ad choices. Visit podcastchoices.com/adchoices

coffee illinois hospitals funeral cried peoria music credits music peoria state hospital

Jeff Tobey, board president, and Becky Proudfit, governing board clerk, with Peoria Unified School District

Play Episode Listen Later Jul 29, 2026 15:09

After a sex scandal involving two teachers and one student, we get answers from the school district.

unified school districts peoria clerk board president governing boards becky proudfit

616: Which Real Estate Will Survive AI, Robots, and Amazon?

Get Rich Education

Play Episode Listen Later Jul 27, 2026 45:45

Keith welcomes back Todd Drowlette, star of A&E's The Real Estate Commission, to help demystify commercial real estate for residential investors. They explore which sectors are most resilient to disruption from AI, automation, and Amazon, why certain office and warehouse assets still work, and how service-based retail like nail salons and quick-service restaurants can offer durable returns. Todd breaks down the basics and advantages of triple net (NNN) leases, key considerations in office-to-residential conversions, and how rising interest rates are reshaping commercial deals. He also shares negotiation tactics from large commercial transactions that investors can immediately apply to their next rental property purchase. Episode Page: GetRichEducation.com/616 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 FAMILY to 66866 Unlock truly passive real estate income—visit flockhomes.com/GRE today to see if your properties qualify for a 721 exchange with Flock Homes. To get in the best physical, mental, and professional shape of your life, go to DanielThomasHind.com and apply for Daniel's intensive 1-on-1 coaching for burnt-out entrepreneurs and executives. 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 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. We're talking with the star of the A&E show, the Real Estate Commission today. What real estate sectors are safe from AI, robots, and Amazon disruption? How many deals on the commercial side are still going to implode due to mortgage rates resetting higher? And some of the best negotiation techniques from $100 million deals that you can use in your own deals, and more today on Get Rich Education. You know, Mid South Homebuyers, that top Memphis turnkey provider. I learned that a secret weapon behind their explosive growth is more than just you buying their properties. It's an executive coach. For nine years now, their CEO Terry Kerr and his COO Pat Nix have worked privately with a coach who I've now learned from too, and he doesn't market himself online anywhere. After 12 years behind the scenes, that coach is now making himself available exclusively for GRE listeners, his name is Daniel Thomas Hind. If you're a hard-charging business owner or investor who wants to get in the best shape of your life, physically, mentally, and professionally, you can fill out an application for a free consult. This is private one-on-one coaching for those willing to go to uncommon lengths to achieve uncommon results. Thanks to Daniel, we've all become better leaders, better operators, and better men. It started by showing up for ourselves. Now it's your turn. Go to DanielThomashHind.com. H-I-N-D. That's DanielThomashHind.com and sign up before spots fill. What if you got your mortgage loans the same place I get mine? You sure can at Ridge Lending Group NMLS 42056 They provided GRE listeners with more loans than anyone because Ridge specializes in investment property. They'll help you build a long-term plan for growing your real estate empire with leverage. Start your prequal and even chat directly with President Caeli Ridge. While it's on your mind, start at ridgelendinggroup.com. That's ridgelendinggroup.com. Speaker 1 2:19 You're listening to the show that has created more financial freedom than nearly any show in the world. This is Get Rich Education. Keith Weinhold 2:35 Welcome to GRE from Peoria, Illinois to Peoria, Arizona, and across 188 world nations. I'm Keith Weinhold, and you're listening to Get Rich Education. Though we're a show centered on how to build wealth through residential real estate investing, today we're talking mostly about the commercial side with a guest that's more comfortable investing in commercial real estate than he is residential. We'll learn why. He is the star of the new real estate show called the Real Estate Commission that airs on A&E Network. Todd Drowlette, because he was here with us last year shortly before the show debuted, and he had so many interesting things to tell us then. That's why he's back. Now we know that residential real estate is positioned well at surviving the boom in artificial intelligence's influence because everybody still needs a place to live. You can't download a kitchen or living room, and a chatbot can't replace a roof. But some types of commercial real estate are vulnerable to AI. I'm going to ask Todd which types and businesses are the most resilient to survive AI, robots, and Amazon, because there surely are some. He does a good job of making commercial real estate approachable to those that have never invested in it before. Keith Weinhold 3:59 Contrary to the narrative, he also likes to talk about why office real estate is not dead. Occupying both worlds, I will ask him about office to residential conversions and also get his take on what is happening with commercial loans because apartment investors have been feeling the pain ever since mortgage rates doubled and nearly tripled in 2022. I'll ask about commercial loans blowing up and just how much more of that is expected to happen because the pain is certainly not over there. Let's meet this week's guest. A series on A and E Television and streaming launched last year called The Real Estate Commission, and it's going well enough that it's gearing up for season two. The star of that show is with us today. He was with us last year just before the show debuted, and that's when he shared all kinds of interesting insights with us, like why. A gas station is on a certain side of the road. He's perhaps the most prolific commercial real estate broker in the nation. He's managing director at Titan Commercial Realty Group in New York, closing deals totaling over $2 billion all across commercial real estate sectors. He's represented everyone from local startups to national reits. Hey, welcome back to Get Rich Education, Todd Drowlette. Todd Drowlette 5:26 Thank you so much for having me back. I appreciate it. It's always great to talk to you. Keith Weinhold 5:30 Yeah, same. It was so interesting when you were here last year, and I do want to ask you about how it's going with the A and E show later. Most of our listeners own single family rentals or small multifamily, and I think the commercial side, Todd. Frankly, it it intimidates some people. I know I've thought of it that way before. What are some of the misconceptions that the residential side seems to have about the commercial side? Todd Drowlette 5:56 So a big misconception is that you have to be smart to do it. You certainly do not. A lot of people also think you have to already be a multimillionaire to do it, right? So the same way with residential, there's levels to it. There's levels to commercial real estate. So I say there's pros and cons, right? So in commercial real estate, if you have an office building or a shopping center or a ground lease, you rent to a McDonald's, whatever. You don't get phone calls at two in the morning saying my hot water tank just exploded, my furnace isn't working. So you still get property management calls, but they're typically from you know Monday through Friday, nine to five type of thing, and you don't need millions of dollars. People think you do. It's like you can buy a small two or three tenant office building or a two or three tenant retail shopping center, maybe something has a nail salon, hair salon in it. Depending on the market you're in, that could be a couple $100,000 to buy. If you're in a tertiary town in the United States, if you're in a major metro, it could be a million, 2 million bucks. But the rent is commiserate with what you're paying. So if you can make an 8 or 10% return, a lot of banks will finance startup people as long they're looking in commercial at the quality of the tenant and what the lease is. So you could have no experience, but if you're going to rent to a Hertz rental car, a Starbucks, a McDonald's, even if you personally have like say a 750 credit score, it's decent. It's not a perfect credit score, but you're financeable. They're lending in commercial real estate based on the credit and the length of the leases, not necessarily on your own financials. And a lot of people don't realize that, and they think, "Oh, bank's never going to approve me because I've never done commercial real estate before. Well, nobody's ever done anything until they do it, right? So as long as you start small, banks will lend to people, you know, on smaller things, there's a ton of pros to being in commercial real estate compared to residential. There's less competition. It's easier to repeat deals because once you know one tenant's looking for something, then you can find the next thing they're looking for, and it's a small knit group. You know, if there's 3 million real estate agents in the United States, I would say across the entire country, maybe 10,000 of us are commercial real estate agents. Keith Weinhold 8:05 Yeah. Todd Drowlette 8:06 So if you get into commercial, once you get into that network of people with a deal with the tenants and the whatever, you know, if you're in, you're in. If you're out, you're out. That was a very long answer to a very short question. Keith Weinhold 8:16 Well, some people even have one of the same hangups about residential real estate investing-they think just to buy income property takes an awful lot of money, not realizing you can start with a single-family home of less than 300k or even less than 200k still today and make a small down payment on it. And you know, Todd, I think one thing that refines commercial real estate for some people and piques interest among residential investors is one of the first things that they learn when they're finding out about commercial real estate investing is the triple net lease. Oftentimes, you see that abbreviated NNN out there, and how that can make things somewhat more hands off for that commercial real estate investor. So, can you tell us about triple net leases? Todd Drowlette 9:00 I sure can. Number one, the funny thing about triple net leases: none of the three things the N's represent start with an N. So your triple nets are literally your real estate taxes, your insurance, and your commonary maintenance. None of which start with an N. Yet it's called N N N. Keith Weinhold 9:14 It's kind of like reading, writing, and arithmetic. The 3r is what only one of them starts with an R. It's a terrible acronym, but yes. Todd Drowlette 9:22 Exactly. So there's different types of triple net properties. So essentially, a triple net property, unlike most residential, where you're responsible, you get X amount of rent, and then out of that rent for your income, you're going to subtract out your school tax, your property tax, your property insurance, liability insurance, you know, snow plowing, lawn mowing, all that type of stuff, right? So triple net properties, you have absolute net properties, which is the best thing you can own from a landlord's perspective. Those are things that are called absolute ground leases or an absolute net lease. Typically, you'll see those in like many gas stations. Will be that a lot of McDonald's. Deals are that where essentially you own a piece of property, you buy a piece of property, and you go here. You have X amount of time to put your building up, do construction, get your approvals. You're going to pay me X per month in a ground rent. You build your own building, you own your own building, you're responsible for it, and I just own the dirt. And those are typically 10 to 20 year leases with options. The downside of a triple net ground lease is you can't depreciate anything because it's just ground, right? So you don't get the depreciation you get with other properties, but you have no risk other than the credit of the tenant. So if you're signing a lease with the United States Postal Service and it's the federal government, you know you're getting that. Those will trade typically about one percentage point higher than U.S. Treasuries because there's very, very little risk in it. But there is some risk, so as an investor, you need a little bit better return than the guarantee of a U.S. Treasury. Todd Drowlette 10:54 Then you have roof and structure triple net properties, where basically, okay, the roof and the structure I'm responsible for as the landlord. Anything inside of that, or you're responsible for, and then the tenants pay the proportionate share of, like I said, the taxes, the snow plowing, whatever. If that's a multi-tenant building, then you run the risk. Oh, tenant moves out as the landlord, you got to pick up that percentage. If if you have a 10,000 foot building and someone's in 2000 feet and they move out, well, now you're responsible for 20% of that tax and CAM and insurance bill until you replace it with a new tenant. But typically, if you're investing in small strip centers, smaller office buildings, which people say office is dead, I've made a fortune in office. Office is not dead. You just have to own the right office in the right place. A lot of downtown offices are dead, where they're moving to the suburbs for drugs and a lot of other issues. But typically, you know, strip centers today, people are buying those for 8% returns to as much as 10, 12% and a lot of times they're vacancy. That's upside you can add into it as well. But again, these are all things that you can get into for a couple $100,000 down, and there's way more room for error than people think there is. As long as you have a professional that's looking at the lease for you before you buy it, you know you just want to make sure the guarantee is on the lease that you have corporate guarantees. But typically, if a bank will finance it, they're also looking at that. But it's not as scary as people think it is, and it's really a strong alternative to investing in single-family homes. Not that I'm knocking single-family homes. There's pros and cons to literally everything you do in life, as you know. 100. Keith Weinhold 12:28 A triple net lease, where in commercial property the tenant covers three main expenses or nets: property taxes, insurance, and the maintenance and repairs. And in a lot of the situations, like Todd is describing, that really leaves landlords responsible for little more than the mortgage, really increasing the passivity here. And you know, tenants that are willing to shoulder a triple net lease, I don't think of them as taking on those extra costs for nothing. I think about it is in exchange, tenants typically pay lower rent then, and the tenant also gets more control over the property in a triple net arrangement. Todd Drowlette 13:08 That's a generally safe thing to say, but I hate saying this. I can't believe I'm even saying this, but you know they say location, location, location. So it really depends on the market. The biggest mistake people make to go, oh, I get asked all the time, should I invest in land? I'm like, hell no, raw land. I go when I develop stuff, I have a use for it. Once I get the approvals, then I'll close and buy the land. Land banking stuff and just going and buying land and hoping it goes up in value. I have a number one rule that I always say to people, and it's anytime you can buy $1 for 50 cents, you buy it, but you don't buy property for $1 hoping it goes to $2 because there's no guarantee that that'll happen. In raw land, you know you have a guaranteed. You're paying taxes every year, so just paying taxes on something that's also not returning you anything is a terrible investment, in my opinion. You're speculating. If you want to speculate, just go to the casino, play roulette, pick black or red, and you have roughly a 50-50 shop minus the three greens, but there's a lot easier ways to make money than buying raw land. But shopping centers, triple net properties, there's definitely ways for people to get into that that are much lower risk, and they're not as scary as you'd think. And many banks will finance them. Keith Weinhold 14:18 Now, if you had to buy one commercial asset today, what would that be? I know that might depend on some factors, but generally, I've got to say, industrial comes to mind for me as one of the hottest commercial real estate asset classes in quite a while. Todd Drowlette 14:32 So I would pick two strategies. One would be high bay warehouse, whether it's specifically industrial or just warehouse, but things with high ceilings, open floor plans, like you know, a 20,000 foot warehouse, 30,000 feet, something in that range, that a lot of people want that type of use. Warehouse rents have been increasing way faster than office or retail rents have been in the same markets. And as things get more and more automated, you still need to ship stuff. You still need to. Stuff you still need to get things to people's houses, so with the whole AI boom and the crazy things that are happening, I think there's going to be a lot fewer people with jobs sooner than people realize. But I do think the warehouse is a good thing to be invested in, especially if it's on main streets. It could be retail, could be warehouse, could be whatever. The second thing I'll say that's very low risk are any businesses that Amazon can't compete with you for. So, a small strip center that's two or three tenants, that's a hair salon, a nail salon, service type business, retail tenants, because it's a turnover business. So, like nail salons, they're never going to come to your house and do your nails unless you're a billionaire, because they can make more money with people coming to them in back-to-back appointments. So any type of service business tenant that you can have, and typically nail salons, hair salons, they don't usually go out completely. Usually, if they don't want to do it anymore, they'll sell the business to somebody else, and you keep a tenant. From an ownership standpoint, there's very low turnover and having to pay new brokerage fees or do give tenant fit-ups or free rent to like get their business up and running. So I would either go high bay warehouse with loading docks like 18 foot, 20 foot or higher ceilings, open floor plans, overhead doors, 20, 30,000 square feet, or two or three tenant strip malls with high traffic counts, good suburban locations that have service type businesses. Those are your two. Would be very hard to lose as long as you don't overpay when you buy them. Keith Weinhold 16:25 This is such an interesting thing to say when you think about a resilient business, something that can't easily be disrupted by AI or Amazon, which something like a nail salon would fit into. Tell us about some of those other types that might fit into a small retail center that are resilient that way. Todd Drowlette 16:45 End caps, so any kind of like a Popeyes, a McDonald's, anything that's drive-through or food. Even you're starting to see, you know, the Tesla robots, and you're seeing more and more of that. However, people will still buy the food. So whether the employees are actually still in there, it's all robots. They still physically need a place that's close and convenient for people to drive to, or even the food delivery apps. Like a lot of the retail restaurants now are telling me 30, 40% of their orders are delivery through like Uber Eats and whatever. But those are great tenants to have because they're still making money, and as the world's changing, they're adapting. And I want tenants that adapt to the changing world. And honestly, they can afford to pay more. This is terrible. But from a strictly landlord perspective, the fewer employees they have, you don't have workers' comp claims, you don't have the insurance, you don't have all those things. The more you can afford to pay rent to landlords. So as the world's changing, those type of retail, small strip centers, end caps, fast food, QSR type food, quick serve retail. Those are definitely things that I would be considering if I was someone getting into this, and they're things that I also own. So I always recommend what I would do myself. Keith Weinhold 17:55 Right, and with that commercial tenant, if they're serving fast food, yes, it's not like their customer has to physically show up there at that business for that business to thrive. Todd Drowlette 18:06 And actually, if you have them as a tenant, because of the delivery, like with a drive-through, you're typically only working off one or two miles. But Uber Eats or these other meal services, they're now going out five, six, even seven miles in some places. So that actually means their sales could be higher. And another thing I didn't mention, but now I'm thinking, a lot of restaurant tenants will pay a percentage rent. So actually, as their sales go up, even though there's not more infrastructure, you know, strains from more customers coming in and out of your property, as they're doing the meal delivery, you're actually potentially be getting cut of that as a landlord with percentage rent, which is a thing that doesn't exist in residential real estate, obviously, there's multiple streams of income for triple net properties at times when you have percentage rent that doesn't exist in warehouse, where it's in retail. It doesn't exist in office, doesn't exist in warehouse, doesn't exist in residential. So that can be a nice bonus, and you see that with supermarkets, restaurants, different types of retailers pay percentage run. Keith Weinhold 19:05 Okay, so in a sense, Todd, we've been talking about going against the flow, if you will, in being in businesses that are resilient toward disruption from AI or Amazon. But while we're talking about industrial real estate, warehouses do come to mind for me soon afterward, I think generations ago maybe industrial had the connotation of a dirty factory. But today, when I think about warehouses, I think about Amazon fulfillment centers or AI data centers. So, what is the business like for investing in those sort of warehouse deals, and how do those deals even get put together for these warehouse types. Todd Drowlette 19:42 So you have two types. So you have people who do spec building. So there's guys that will go out and say, "Hey, I'm in the warehousing business, and they'll go through. They'll get approvals and they'll say they'll buy 10 acres, 20 acres, 30 acres, and they'll say, "Okay, we're going to." Put I'm making this up. 500,000 square feet of warehouse on this. They'll go get approved, but they basically will put up a spec building of 40,000 50,000 feet, and then they'll lease it. Depending how long it takes them to lease it, then they'll build the next one. Once you kind of have one building up, it's much easier to prelease. If you just have a piece of dirt and say, hey, I'm going to do a warehouse building here. Unless you have a direct in specifically with Amazon, and they're like, hey, we need to be in Skoda, New York, you know, at this exit within 10 miles of that. And it's like anything. Once you do something for someone once, they're working across the whole country. So if you're particularly good in a specific region as developer, they will often say, "Hey, find me a spot here, here, because they're in the business of getting open and running data centers. They don't care if you're making a profit on the real estate, and they're not set up to locally go through the approvals, know the politicians, know the process, that whole thing. So there's opportunities like that. If you don't know anyone from a hole in the wall, if you have a big piece of property and you start with whatever you're comfortable with to spec out a warehouse, 10,000 feet, 5000 feet. See how long it takes. Do you lease that in six months? Does it take three months? Does it take a year? And then you can kind of take some of the profits from that, either refinance, or if you have a construction loan, then build the next one, build the next one, and build the next one. You can kind of build out as the demand comes along. Keith Weinhold 21:22 You're listening to Get Rich Education. We're talking to the star of the A and E show, the Real Estate Commission, Todd Drowlette. So much when we come back. He's going to update us on what's happening with office to residential conversions, how much higher interest rate pain is still going to surface in some of these deals, and a negotiation tactic or two that you can use for your own residential deals. I'm your host Keith Weinhold. Flock Homes helps you retire from real estate and landlording, whether it's one problem property or your whole portfolio, through a 721 exchange, deferring your capital gains tax and depreciation recapture. It's a strategy long used by the ultra wealthy. Now, mom and pop landlords can 721 the residential real estate request your initial valuation. See if your properties qualify at flockhomes.com/gre. That's flockehomes.com/gre. Let me ask you something: If you've worked hard to build wealth, is your money positioned to actually support your goals? A lot of accredited investors leave capital sitting in cash because it feels safe, but inflation and missed income opportunities can quietly erode its value. Freedom Family Investments offers freedom notes for investors seeking structured income backed by real estate. It's a straightforward approach built on real assets, not speculation. And full disclosure, I'm an investor myself. What I like is that their team walks you through how it all works, so you can decide if it aligns with your portfolio and income goals. Every investment carries risk, and nothing is guaranteed, but with a track record of consistent, on-time investor payouts, they built real credibility. Todd Drowlette 24:15 Well, I'll tell you about some of the pitfalls, and I'll tell you the huge opportunities. If you have office buildings that are vacant, you know, particularly in downtown municipalities like in Albany, New York, you know, our state capital in New York. Politicians and the government right now are creating a lot of incentives to convert those, where they're putting up grant and giving away millions of dollars to private developers that you don't have to repay. So there's a huge opportunity to have people take on a lot of the risk for you to do it. Some of the pitfalls people get into are you want to pick the right office building to do it for. So you want to a make sure that that office building either has on site parking garages or on site parking because I've seen people try to do it and that. Downtowns where there's no parking, and you can put a lot of money in a building with no parking. And if you're not in New York City, where people are used to, and you're competing against suburban apartments, that's a tough sell. So that's number one. Number two, for whatever reason, people really want in office buildings and downtown settings floor-to-ceiling windows. So you really want to pick office buildings that already have floor-to-ceiling windows because it can be very expensive. If you get over three floors, it can be very expensive to cut out windows and make them larger. And another, this is a huge money potential pitfall if you're not careful. Many municipalities and states have different codes for elevators for residential buildings than they have for office. It makes no sense to me, but office buildings. It has to do with fitting the elevator has to be large enough that you can get a stretcher if someone had a heart attack and needed to be wheeled out. Ah, for some reason, residential buildings require larger elevators, and if your shaft isn't big enough and your car isn't big enough. You could have a million dollars or more of an unexpected expense to either make the shaft bigger. Some buildings you can't even do it. Keith Weinhold 26:08 Well, but if it was originally set up for- Todd Drowlette 26:09 It doesn't make any sense either. This is new. If you have an office building that's 30 stories tall, people could have heart attacks in the middle of the day at the office. So how is that any different than if they're at home in an apartment and have a heart attack, so it doesn't make any sense to me why the code is different for the fire code. But in New York State, the fire code is different, and that can be astronomically expensive, or it can literally stop your project dead in the tracks if it just becomes cost prohibitive to do it. Keith Weinhold 26:34 That's something that I never would have thought about. I generally like to see office to residential conversions revitalizing central business districts in our cities. You know, you talked about the parking before having less need for parking. If people can walk to work and where they work, that increases the walkability of an area. I like so many things about office to residential conversions, despite all the hardships and the pitfalls you have to avoid. Todd Drowlette 27:01 Oh, they're great. You just want to make sure you're picking the right building. So my point is, if you have five or 10 vacant office buildings, mostly vacant office buildings, just make sure you're choosing the right one. And before you buy it, do your due diligence and go through with contractors and engineers and architects that understand all the codes and say, hey, the other positive thing that saves money in office conversions is most office buildings. If you have an elevator bank, typically have bathrooms directly across from the elevator bank, so water and sewer can be very expensive when you're running apartments. So having central lines going up through usually concrete floors can save you a ton of money in the design and the layout of how you place the units and do it around central bathrooms, but typically larger office buildings will have plumbing and sewer on different parts of the floor. So it just means you have to go less distance and it saves money. And a lot of office buildings, even older ones, have higher ceilings, which today is very desirable for apartments. So if you can have a building that has natural light, high ceilings, and you can get grant money to do it, that's definitely something people should look into. And even with a smaller building, I've seen people in New York people are converting 5000 foot office buildings into like five units. You know, there's money to be made. You just have to buy right. I always say, you know, if you can buy $1 for 50 cents. Buy it. Don't buy $1 and hope it goes to $2 A Keith Weinhold 28:25 lot of these physical limitations, oftentimes in the office to residential conversion, and Todd in the residential world, oftentimes apartment buildings have been problematic. A lot of these syndicators have had their deals blow up because in 2022 or earlier they got five to seven year fixed rate debt. Those deals are coming due. The mortgage payments double, and a lot of times the operator just can't meet it, and it blows up. And apartment building values have been down about 30% nationally, largely for that reason, even though an apartment building owner gets a commercial loan, I still want to know from the commercial side and the commercial use type how much higher interest rate pain do you see that has surfaced and is still going to surface. Todd Drowlette 29:17 So, I'll answer this by quoting my grandmother. She said, "Anytime you want to cook, whatever size pot you think you need, pick twice that size pot and start using that. Keith Weinhold 29:29 Yeah. Todd Drowlette 29:29 So I say the same thing when you're financing a deal or you're writing it out and seeing what your returns are. I always say to people, make sure that you have a big enough cushion in there for all the things you can never predict in commercial loans, there's a ton of guys that are about to lose their shirts, and you're starting to see it because, unfortunately, I don't know if it's true in residential real estate, but in commercial real estate, I've seen guys go from nothing to 50 million, 100 million, $200 million net worths, but I've also seen. Lose everything. So what happens in commercial real estate that you don't want to do is so many people say OPM, use other people's money, use other people's money, use other people's money, which is fine as a strategy. But what you don't want to do is cross collateralized loans. So if you have one property and then you go, oh, let me refinance that and then buy a next property and I'll refinance that and buy the next property, and then the bank's like, okay, we'll refinance that, but we're going to now tie all these properties together as one mortgage, or you're going to cross guarantee these properties. Right. The problem with that is, the people who do that strategy, if you started at that, you know, in 2021 when interest rates, you could get things at three and three quarters percent. Well, commercial loans are five-year loans typically, and they might have 20 or 20-five-year amortizations. So, unlike a residential mortgage that's a 15 or 20 or 30-year self-amortizing loan, they're not. At the end of five years, you have a balloon payment that you have to pay off. So, if interest rates are going down, that's amazing because if your tenants are the same, and even if your rents didn't change, and you bought something at 6% and now it's at 5% Your cash flow goes up significantly, and nothing happened other than your refinance. The problem is you have a ton of guys right now, guys, women, people that were financing stuff five years ago at three and three quarters, and now interest rates are hanging six and a quarter, six and a half, depending on the property, is might maybe seven. Same tenant, same everything. You're giving the keys back to the bank because you're broke now. Because all of a sudden you're financing, you squeeze too much out of the deal. I always say you can take on the in in or you can take on the out, but you can't have both. So when people are financing stuff, they just need to make sure. Like here's another thing I'll go off on. A lot of people will buy stuff with tax credits, and you see even with residential apartments, a lot of guys are financing that, selling people tax credits. Economies and things change and things move. If a deal is so tight that you need the tax credits to make the deal make sense, yeah, don't do the fricking deal because tax credits should be an added bonus. That's just, hey, that's a nice adding to the cushion. So many people have razor thin margins. They go, oh well, I do the tax credits. If I can get 70 cents on the dollar, this is how I make the money. I tell people I will have nothing to do with tax credit deals unless it's strictly a bonus. The deal has to stand on its own, and always assume in the course of five years interest rates could go up three points or down three points. Most people will not listen to me and will not do that. If you do that, you'll never get killed and you won't lose a property. It's super conservative, but there's enough money you can make, and if you buy it right, that's how you can afford to figure that spread in when you're financing something. But just so many people get greedy, and I just think back to my friend Bob Bear, who died. I met him when he was like 70-five. He was a billionaire, self-made, and he used to say to me, "It's not what you make; it's what you keep. And when people would ask how rich are you, he knew how rich he was. He would say, "I don't owe anybody in the world a dime. Todd Drowlette 32:59 And to me, my entire strategy is I don't owe anybody in the world a dime. So I personally look at deals and say, out of my own cash flows, what can I buy? And instead of buying four properties a year, I might buy one property a year. But if I'm buying that and compounding my returns, I'm not paying interest to the banks. So it's just a different strategy. I sleep at night. I'm like the multimillionaire next door. I don't live extravagantly. I don't drive Ferraris and Rolls Royces. That's just not my thing. But I sleep at night and I have peace, which is important to me, knowing I don't owe anybody in the world a dime. But will I get as rich as the guy who's risking everything? No. But real estate to me is musical chairs, and the music always stops at some point. And there's never enough chairs for everybody. But if you're somebody who's in a cash position, which you're going to be going through in the next six months to a year, on the residential and commercial, I think there's going to be blood in the streets. And I think people who are sitting in cash are going to have like a once in a lifetime opportunity to buy things at a deep discount. Keith Weinhold 34:02 Philosophically, we're different in one way. I use debt and leverage to grow larger, but ensuring that I do have enough income to cover the mortgage and all the operating expenses. But Todd, to your analogy about your grandmother in selecting a bigger pot than what she would need to cook whatever she's going to do, when it does come to debt, the last time I bought an apartment building myself, which wasn't recent, I could have chosen seven-year fixed-rate debt with a balloon at the end, or 10-year fixed-rate debt with a balloon at the end. The 10-year fixed-rate debt cost me one quarter of a percent more in mortgage rate, which dented my cash flow during the entire duration of that loan. But I did indeed choose that 10-year loan in order to have that much more certainty, and I sure am glad that that's what I did. Todd Drowlette 34:54 That's always the game because it's people think that rich people know what you don't, or it's inside. Whatever I'm like. Number one, if you sit in a room with a bunch of rich people, yes, they will work against you if it benefits them to work together. But if it doesn't, you have egos and separate interests that are all competing. And there's always that thing of I know very very rich people who could buy and sell me 100 times over, and I also know that you don't know what you don't know, and the world has gotten so complicated, and financial markets are all intertwined globally. Anyone to be able to predict, it's like it's a crapshoot when you're like, okay, do I take seven years? Where do I think interest rates will be in seven years? It's hard to say where interest rates going to be tomorrow. You ask a banker tomorrow, they can't tell you. So it's like, what's your best educated guess of seven or 10 years? What's the better play? But I always go the conservative route. Keith Weinhold 35:43 I think it's easier to predict the future direction of capital prices than it is interest rates. Myself, Todd Drowlette 35:50 but I will say also, I am the exception. And if you have 100 other guests on here in the next year, well, 50-one more guests in here the next year, yeah, they would all say Todd's an idiot. That's terrible advice. If you want to get rich, literally leverage, leverage. Just do it intelligently, and I acknowledge that. I don't see the world the way other people do, but my end game is to be rich and comfortable, and to sleep at night with peace. And that's why I choose to do what I do, realizing I'm giving up. It's the you know what are you giving up to what do you gain benefit analysis, and I'm realizing I'm giving up some upside in my total potential net worth. But I like peace, and you know I had anxiety for years. I don't have it anymore, and I live my life to be as anxiety free as I can possibly be. Keith Weinhold 36:34 That's interesting, and that certainly works for you, Todd. What's one negotiation tactic that you get from dealing with, well, let's say Decca or Centa million dollar commercial deals that our listeners could use the very next time that they buy a rental property. Todd Drowlette 36:53 So the number one mistake I think people make is they assume what's motivating the other person, and they assume it's always price. So anytime I'm going to negotiate a deal from someone, whoever has the most information always wins, and whoever doesn't need the deal always wins. Yeah. So I want to know as much about that other person on the other side as I am. Are they going through a divorce? Are they desperate? Do they hate each other? Is it a partnership breakup? Did somebody inherit it and they live five states away and don't even know what this thing is worth that they have. So the number one thing from a negotiating standpoint is understand exactly who you're negotiating with and what's motivating them. From an actual tactic standpoint, just think logically through whatever the process is, and you can always go up. You can't go down. So the key is to offer as little as you can without insulting the person, so they don't even respond. So figure out what that fine line is, and before you go into the negotiation, know what your walk away number is. That's just the point you're not getting over. The fast way to lose in a negotiation is to get stuck in a bidding war. There's nothing I want so much that I'm going to overpay for it. So when people go, "Well, if somebody else is interested, I go then sell it to them. Yeah, I don't need it. Sell it to them. And then the other thing I'll say is, if you start the negotiation, this is the one piece. Say your number and shut up. So many people are scared of silence. And then, right, if the person doesn't immediately respond, they go, "Oh, well, I guess I offered you 500,000 I mean, I guess I could go 550. As soon as you talk after you give a number, you're negotiating against yourself. So throw the number, let it land wherever it lands, and do not talk until that person responds to you. That's like the number one mistake I see people do. They throw out a number, they get nervous with the silence, and then they immediately go up in their offer. That person could have been thinking, "Oh my God, did I forget to call back my whatever? And they're not even thinking about the number you just threw out. But people just assume, oh God, the number was too low, and then they negotiate against those. Do not do that. Keith Weinhold 38:48 Risk the awkward silence. And yes, to your point about learning more about the other side, terms are often more important than price for sure. Well, Todd, you know a lot of commercial real estate content in mainstream media it tends to focus on these big institutional deals. But what has made your A and E show interesting, the Real Estate Commission, is what it's called. Is it focuses more on sort of leasing and this negotiation that we're just touching on there, and that's what makes you interesting. So tell us about what audiences can expect for season two of the Real Estate Commission on A and E. Todd Drowlette 39:24 So, season two, you will 100% see real landlords, real brokers, real investors. You'll see real retailers. You'll see people relocating their offices in New York City. You'll see stuff in upstate New York. It's generally in the Northeast. In the first season, we helped a kitchen cabinet manufacturer relocate their suburban offices in Philadelphia. I sold a 50-unit HUD property that has a HAP contract you might be familiar with. That was crazy going through a bankruptcy foreclosure proceeding two year. That was crazy. Yeah, so you are going to. See more of that. It's a documentary. It's not a reality show, so you're watching the deal as it unfolds. Some things have happy endings. Some things have terrible endings, but they're real endings either way. So people will see a lot of that of deals happening in the Northeast. And if someone's listening and they're a business owner and they want to be part of the show, they can apply. We're announcing the casting will be open for about three weeks across the U.S. They can go to the realestatecommission.com/forward/tv and they can apply to be part of the show. Keith Weinhold 40:32 Now, since you started this last year, I want to ask: Has this A and E exposure helped you generate more business and create traffic? I would really think so. Todd Drowlette 40:42 Yeah, I wasn't sure. You know how because you never anything new. You never know, right? Like I put time and energy into it. It definitely did. Definitely, people start to notice you, which is a little weird. I was in a cell phone store, and they literally it was playing, and the guy's like, "Oh, it's you! Like, and then everybody who's walking in, he's like, "Hey, look, it's the guy on TV. He's right here. That was like kind of an awkward. Like, I'm like, "Okay, this is weird. Guy was excited, so that was fine. It's an adjustment of things, but it definitely has increased our overall visibility and people reaching out to do deals with us for sure. Keith Weinhold 41:18 Is there any last resource you'd like to tell our audience about. Todd Drowlette 41:21 I would just quickly announce the first season did so well. We're actually doing a spinoff show that'll also air on A and E called the Real Estate Commission New York that we're casting in upstate New York as well as New York City for brokers, agents, home sellers, home buyers that will actually document real buyers, real sellers, same thing. It'll follow our format, which I know there's a million shows on TV about real estate. Those are reality shows, not docu series. And I'll say, without going into the details, there's a very big difference between those two and what you're actually seeing on camera and what's happening. That will air in March of 2027, back to back with our show, I will make cameos in that. But I'm executive producing that show, so from your residential audience, that's a show they should tune into. I think they'll get a lot out of it. Keith Weinhold 42:12 Congratulations! Your show has had so much success that it's setting the template for another show, and it has been most interesting since we first had you here last year to follow this along, Todd Drowlette. It's been a valuable chat. Thanks so much for coming back onto the show. Todd Drowlette 42:28 I'd love to come back anytime, and thank you so much for having me on again. I appreciate it. Keith Weinhold 42:38 Drowlette is spelled D R O W L E T T E. Todd and I talk a good bit off mic as well. In addition to the elevators, sometimes he emphasizes how cumbersome to impossible HVAC system compatibility is when you're doing office to residential building conversions. Too, you just never seem to hear about an easier than expected office to residential property conversion. It is most interesting and rare that Todd is not much of a leverage guy at all. Whereas in the vein of financially free beats debt free, I like to approach deals where the interest cost is lower than the expected opportunity cost. When it comes to negotiating, some of Todd's approach, you know, it's similar to what prominent hostage negotiator Chris Voss shared with you here on the show a few years ago. That silence is powerful in negotiating. In fact, if you feel like you need to say something to fill the silence. Use what Chris Voss calls the mirroring technique, and the mirroring technique that is simply repeating what the other party just said, kind of like a parrot would. For example, if you're trying to buy a property and the seller says that the best they can do is sell it to you for 550k and a delayed 90-day close. Reply with 550k and a 90-day close, and then listen to see if the seller comes down from there. Or instead, you can simply say nothing and just sit there with the silence like Todd recommended. The reason I like these particular negotiating techniques right here is that they're easy to remember and they're easy to do. You either remain silent or, per the mirroring technique, you just repeat the last words that the other party said. Thanks to Todd Drowlette today, you can check out the real estate commission on A and E Coming up here on the show soon. Back to residential, where for the first time ever on the show here we discuss what might be the greatest real estate cash flow strategy because it's becoming quite popular today. Until next week, I'm your host Keith Weinhold. Don't quit your daydream. Speaker 1 45:08 Nothing on this show should be considered specific, personal, or professional advice. Please consult an appropriate tax, legal, real estate, financial, or business professional for individualized advice. Opinions of guests are their own. Information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of Get Rich Education LLC exclusively. Keith Weinhold 45:36 The preceding program was brought to you by your home for wealth building getricheducation.com

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Habakkuk 2:2–20 | Habakkuk

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Play Episode Listen Later Jul 27, 2026 29:13

“‘…What Is Your Name?..' The Covenant's Confession & Our Limping Need”

Aaron Scene's After Party

Play Episode Listen Later Jul 25, 2026

“From the Word to Stone to Flesh – Torah’s Living Covenant,” pt 13 Matthew 4:23-5:6 New Revised Standard Version Updated Edition 23 Jesus went throughout all Galilee, teaching in their synagogues and proclaiming the good news of the kingdom and curing every disease and every sickness among the people. 24 So his fame spread throughout […]

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DIABETES DADDIES feat. @evelynp.y & @blancoissoblanco

Play Episode Listen Later Jul 22, 2026 59:56

We are back in the studio! With a brand new episode featuring Evelyn and Emily and it is a horny one! They come on share some sugar daddy stories and much more. Plus Evelyn tells us a kinky story where even have to mute the mic! Follow us on social media @AaronScenesAfterParty

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Habakkuk 1:12–2:1 | Habakkuk

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Play Episode Listen Later Jul 20, 2026 32:45

South Bend Cubs vs. Peoria Chiefs 7-17-26 Highlights

96.1 FM WSBT Radio

Play Episode Listen Later Jul 18, 2026 2:35

South Bend struggles in its first game from the All-Star break, giving way to Peoria 9-3 on Friday night.See omnystudio.com/listener for privacy information.

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“So Much More”

Inspiring Women with Laurie McGraw

Play Episode Listen Later Jul 18, 2026

Pastor John Schachinger Sabbath Sermon July 18, 2026 John 1:17-18 New Revised Standard Version Updated Edition 17 The law indeed was given through Moses; grace and truth came through Jesus Christ. 18 No one has ever seen God. It is the only Son, himself God, who is close to the Father's heart, who has made […]

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Wake Up Tri-Counties Samantha Talks Dangers of E-Bikes and Electric Scooters and Provide Safety Tips for Use

Illinois News Now

Play Episode Listen Later Jul 16, 2026 10:25

Samantha Rux from OSF HealthCare joined Wake Up Tri-Counties to talk about the dangers of e-bikes and electric scooters and provide safety tips for use. OSF St. Luke Medical Center is urging families to treat e-bikes and electric scooters as motor vehicles, not toys. Samantha Rux says emergency and trauma teams are seeing more child injuries linked to speed, lack of control, and limited understanding of traffic rules. Medical experts recommend helmets every ride, and some devices may call for face shields. The American Academy of Pediatrics advises riders be 16 or older for many of these devices. Doctors at OSF HealthCare Children's Hospital of Illinois in Peoria are warning families about a surge in severe e-bike and e-scooter injuries among children, especially ages 10 to 15. Pediatric trauma leaders say high-speed models can behave more like motorcycles than bicycles, raising the risk of broken bones, brain injuries, and spinal trauma. They point to the added battery weight as another danger, with crashes causing serious leg fractures and trapping riders. Physicians urge helmets, visibility, no headphones, and age-appropriate use. They're also warning families to charge batteries safely, using manufacturer-approved cords and stopping immediately if overheating, smoke, or odd smells occur. With school approaching, OSF HealthCare also reminds parents to review walking and biking safety and schedule school or sports physicals early through OSF MyChart or by calling 309-852-7700.

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From Wall Street To Hospital President Without An MBA: The Nurse Who Kept Saying Yes | Kelly Nierstedt

Play Episode Listen Later Jul 14, 2026 32:29

Kelly Nierstedt never planned to lead a hospital. She is a first-generation college graduate who worked on Wall Street out of high school, went to nursing school as a second career, and wanted nothing more than to be the best labor and delivery nurse she could be. Then the taps on the shoulder started. Take on this project. Take on this unit. Take on another. Today, Kelly is the president of Orlando Health Orlando Regional Medical Center, one of the largest and most complex hospitals in Florida and home to the region's Level 1 Trauma Center — and senior vice president of the Orlando Region. She got there without an MBA, without a finance background, and without ever checking all the boxes first. In this episode of Inspiring Women, Laurie McGraw sits down with Kelly to trace the path from the bedside at Hackensack University Medical Center, to leading OSF Healthcare Children's Hospital of Illinois in Peoria — where she built a care-closer-to-home model so families no longer had to drive four hours to Chicago — to becoming the inaugural president of Orlando Health Winnie Palmer Hospital for Women and Babies, one of the busiest delivery hospitals in the nation. Then came the second yes: leading the adult flagship hospital, where the one thing they don't do is the one thing she was trained in. Laurie and Kelly met at the Women Business Leaders Conference, where Kelly spoke about complexity in healthcare today. Topics Covered: - From Wall Street in the late 80s to nursing school on loans — a second career with no roadmap - Why Kelly said yes to every tap on the shoulder, and the Plan B mindset that made her fearless - Why women wait to check every box before saying yes — and why she never did - The move from New Jersey to Peoria, Illinois, and convincing a resistant leadership team with data - Recruiting physicians to middle America — and why they stayed - Interviewing for the Winnie Palmer presidency while on vacation in Fort Lauderdale - Why she puts on scrubs in every role: answering phones, filling water jugs, showing the team she cares - Walking into a Level 1 Trauma Center as a mom-baby nurse — and why not knowing made her a better leader - Four years in, every member of her original team is still there or has been promoted - "The keeper of the culture": what a hospital president actually does - Why her team members — not patients — are the most important people in the building - Move fast, fail fast: why healthcare's caution can leave patients behind - Transforming a large, tactical board into a smaller, strategic, deliberately diverse one - The patient suicide that shook her — and the board meeting where she cried, said "I'm not doing well," and was met with open arms - Her advice to senior women executives: you're not perfect, no one expects you to be, and vulnerability will serve you Kelly's story is proof that the path to the top doesn't require a pedigree — it requires the courage to say yes before you feel ready, the humility to learn from the experts around you, and the heart to never lose sight of who you're serving. As she puts it: "We're not perfect. We're just people trying to do a good job every day. Be open about that, and you will be just fine." Inspiring Women is hosted by Laurie McGraw, Chief Commercial Officer at Transcarent, former SVP of the American Medical Association, former President of Allscripts, and a 30-year healthcare executive committed to advancing women into leadership. Full episode wherever you get your podcasts. Subscribe so you never miss a conversation.

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Habakkuk 1:5–11 | Habakkuk

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Play Episode Listen Later Jul 13, 2026 39:56

Senator Lindsey Graham is dead, Trump's memories of Graham, DC has an eye on the Peoria Unified School District, Mitch McConnell gives proof of life.

The Conservative Circus w/ James T. Harris

Play Episode Listen Later Jul 13, 2026 117:53

Senator Lindsey Graham is dead, Trump's memories of Graham, Washington DC has an eye on the Peoria Unified School District, Mitch McConnell gives proof of life. Plus, socialism is on the move in America.

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“That Moment”

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Play Episode Listen Later Jul 11, 2026

Pastor John Schachinger Sabbath Sermon July 11, 2026 Matthew 16:13-18 New Revised Standard Version Updated Edition 13 Now when Jesus came into the district of Caesarea Philippi, he asked his disciples, “Who do people say that the Son of Man is?” 14 And they said, “Some say John the Baptist but others Elijah and still […]

Arizona - Peoria - The Red Ghost

50 States of Terror

Play Episode Listen Later Jul 10, 2026 24:25

Hello world! Your favorite podcast host Anthony here with another episode of 50SoT! I know I'm a little late on this one, but it's better than being a whole day late right? Anyhoo, enjoy this episode and to you...the listener in Peoria. I appreciate you. Thank you all for the support. Later y'all. https://gofund.me/82e7f6a67Follow the show! Facebook: 50StatesofTerror Instagram: @50statesofterror Twitter: @50statesterror TikTok: @50sotpodcast YouTube: https://www.youtube.com/@50statesofterrorEmail: the50sot@gmail.comSupport the show!Patreon: www.patreon.com/50StatesofTerror Buy Me A Coffee: https://www.buymeacoffee.com/50sotpodcast Listener Advisory: Language Support the show

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Heartland Latin Dancers present Latin Dance Night at Casa de Arte

Out and About

Play Episode Listen Later Jul 9, 2026 4:30

On this week's episode of Out and About, Mae Gilliland of ArtsPartners of Central Illinois talks with Salil Bavdekar of Heartland Latin Dancers about Latin Dance Night at Casa de Arte, located in Peoria's Warehouse District. Held on the last Saturday of every month, the evening features a beginner-friendly dance lesson followed by an outdoor social dance where no partner or experience is required.

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Episode 208 - Parents & Perpetrators

Dark Topic

Play Episode Listen Later Jul 7, 2026 91:11

Eight-year-old Navin Jones should have been safe. Instead, by the time first responders entered a Peoria home, they were stepping into the end of a story filled with warning signs, missed chances, and questions no one should ever have to ask about a child. In this episode, The Operator follows the people and systems surrounding Navin's case—examining what was seen, what was known, and what should have happened. How many adults can watch a child disappear in plain sight before “we didn't know” becomes just another lie?FACEBOOK https://www.facebook.com/groups/911callsX https://x.com/911CallsPodcastINSTAGRAM https://www.instagram.com/911callspodcastYOUTUBE https://www.youtube.com/@911CallsPodcastTIKTOK https://www.tiktok.com/@911callspodcastPATREON https://patreon.com/1159media====Unlimited Access, Early, Ad-free for $5For $5, supporters get everything we have to offer - every podcast, live backdoor access to watch us record, video episodes, uncut episodes, all of our PLUS podcasts, early and ad-free, and more. Support 11:59 Media's vision to build our great creators. Visit ⁠11:59 Media on Patreon⁠ ⁠https://patreon.com/1159media⁠ to sign up now. Start your support, and access everything you've been missing.

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Birthright Citizenship Here To Stay + Patriot Front Enjoys July 4th | EP #191 | Low Value Mail Live Call-In Show

Low Value Mail

Play Episode Listen Later Jul 7, 2026 171:09

Low Value Mail is a live call-in show discussing current events, politics, conspiracies and much more.Every Monday night at 7pm ETSupport The Show:

This Week in Horror History | Splatter Films & Supernatural Folklore

Weekly Spooky

Play Episode Listen Later Jul 7, 2026 20:27 Transcription Available

Summer horror gets bloody, claustrophobic, cursed, and undead in this episode of This Week in Horror History, covering the week of July 6 through July 12. This time, we're digging into splatter-film history, cursed-camera video games, one of the scariest cave movies ever made, Netflix's summer-camp slasher revival, Italian zombie cult madness, and the return of the Tall Man. Inside this episode:July 6, 1963 — Blood Feast reportedly plays Peoria, IllinoisHerschell Gordon Lewis changes horror forever with a cheap, outrageous, blood-soaked shocker often credited as a key turning point in splatter cinema and grindhouse gore. July 8, 2022 — MADiSON releasesA haunted-house horror game turns an instant camera into a cursed object, making every photo feel like an invitation for the nightmare to come closer.July 8, 2005 — The Descent opens theatrically in the UK and IrelandNeil Marshall sends a group of friends into an unmapped cave system where grief, betrayal, darkness, and something much worse are waiting below.July 9, 2021 — Fear Street Part Two: 1978 releases on NetflixThe Fear Street trilogy heads to Camp Nightwing for a brutal summer-camp slasher packed with cursed-town mythology, teen terror, and R.L. Stine nostalgia with real bite.Deep-Cut Spotlight — Burial GroundAndrea Bianchi's Italian zombie cult favorite unleashes ancient Etruscan dead, a cursed country estate, crumbling corpses, and some of the strangest undead chaos of the early 1980s.Horror Birthdays This Week:Shelley Duvall, Kevin Bacon, Anjelica Huston, and Fred Gwynne all enter the birthday roll, bringing connections to The Shining, Friday the 13th, Tremors, The Witches, The Addams Family, The Munsters, and Pet Sematary. Weekly Recommendation — Phantasm IIAngus Scrimm's Tall Man returns in a bigger, weirder, more action-heavy sequel filled with silver spheres, funeral-home dread, road-trip nightmare energy, and late-80s cult horror atmosphere.Plus, Weekly Spooky heads into the woods with “Branch Manager” by Gary D up in Ontario, Canada — aka Blue Fire Raging — where exhausted telemarketers escape into Algonquin Park only to discover that the forest is listening, moving, and hungry. From Blood Feast and MADiSON to The Descent, Fear Street Part Two: 1978, Burial Ground, and Phantasm II, this week in horror history proves that summer horror can trap you underground, curse your camera, resurrect the dead, send you to camp, and still leave room for one more silver sphere flying down the hallway.

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Hour 3: PUSD investigation

The Mike Broomhead Show Audio

Play Episode Listen Later Jul 7, 2026 35:03

The Peoria police serve some search warrants and issue a statement on the investigation.

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Habakkuk 1:1–4 | Habakkuk

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Play Episode Listen Later Jul 6, 2026 34:20

“Gospel Devotion”

Play Episode Listen Later Jul 4, 2026

Dr. Matt Farson Devotion for Praise Sabbath – July 4, 2026

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Navigating Access to Pharmacotherapy (Part 3)

Conversations About Care

Play Episode Listen Later Jul 1, 2026 29:51

This is part 3 of the Navigating Access to Pharmacotherapy series. This series delves into the national landscape of healthcare access and coverage for adolescents seeking pharmacotherapy. In this episode, Dr. Sandra Hassink is joined by Dr. Amy Christison, FAAP, DABOM, an Associate Professor of Pediatrics at the University of Illinois, and Medical Director of Healthy Kids U, in Peoria, Illinois. She is also joined by Dr. Katie Queen, FAAP, DABOM, a double board-certified pediatrician in pediatrics and obesity medicine, Director of the Our Lady of the Lake Children's Health Weight and Nutrition Center in Bogalusa, Louisiana. Resources: Coding Quick Reference Card (tinyurl.com/5dk8jh9n) AAP Coding Hotline (tinyurl.com/ycfc9957)

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1 Corinthians 10:23-11:1 | 1 Corinthians

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Play Episode Listen Later Jun 29, 2026 31:32

Illinois skipped the Great American State Fair; Peoria stepped in

The 21st Show

Play Episode Listen Later Jun 29, 2026

As the United States marks its 250th birthday, the celebration has split into two: America250, the bipartisan effort Congress created in 2016, and Freedom 250, established by executive order from President Trump. The overlap has caused confusion — and some musicians backed out of the Great American State Fair in Washington, D.C., saying they weren't told about its ties to the Trump administration. Several states, including Illinois, declined to participate. But the 21st state will be represented after all — by the Peoria Riverfront Museum. Brian Mackey talks with museum president and CEO John Morris about how a downstate institution ended up filling in for Illinois, what visitors to its exhibit will see, and what it's like navigating a politically charged event. The Illinois exhibit is open through July 10 in Washington, D.C.

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How to Become a Saint with Fulton Sheen - The Inner Life - June 25, 2026

The Inner Life

Play Episode Listen Later Jun 25, 2026 51:12

Msgr. Jason Gray joins Deacon Patrick Conley to discuss How to Become a Saint: Through the Lense of Bishop Fulton Sheen (4:20) How does the case for veneration start in the Church? What does the Church look for when a saint is canonized? (16:58) what virtues did Fulton Sheen have that we can imitate? (19:57) Break 1 (21:39) Marybelle - Clarification between beatification and canonization. What are the differences? Kathy - I have a recent interest in FS. Have a book about him and St. Therese. Praying for his intercession for a grandchild who is sick. How do you know if it's him when you're praying or another saints...especially when you're doing a lot of novenas. (27:33) What was he process like in doing the canonization process? (33:24) Dean - Wanted to express my admiration for FS. Grew up as a protestant. Addressed difficult subjects when Catholics were supposed to remain quiet. Always impressed me. (38:47) Break 2 Christopher -FS has inspired my life. Made a trip to Peoria. Went to Cathedral and spent time in front of the altar where he is buried. Felt his presence and I've now been drawing closer to him. Huge inspiration. (43:33) Nicole - My personal relationship with FS...growing up and now as an adult. Listening to him. My mom, grandma, we were only an hour from Peoria and very familiar with him. Grown into a closer relationship with him. Mom's funeral card had his pro-life prayer on it. I'm going to the beatification and taking my granddaughter. Resources: https://www.celebratesheen.com/

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What Do You Do at a Beatification?

Roadmap To Heaven with Adam Wright

Play Episode Listen Later Jun 25, 2026 48:25

It's a jam packed episode today. First, Adam continues the conversation with Fr. David Skillman focusing on St. John Paul II's encyclical "Dominum et Vivificantem" ("The Lord and Giver of Life"). Today we hear about "Reason for the Jubilee: Grace Has Been Made Manifest!" Then Adam heads On the Road to visit with Bishop Louis Tylka of the Diocese of Peoria. Bishop Tylka shares about the many celebrations taking place surrounding the Beatification of Archbishop Fulton J. Sheen. Don't forget to visit CelebrateSheen.com for the latest on the festivities! Adam reflects on the day's Gospel reading. How would you like to be measured? Download the Covenant Network app today! Pray the Visual Rosary at VisualRosary.org For more information on Covenant Network, visit OurCatholicRadio.org

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Will Fauci Actually Be Prosecuted? | EP #189 | Low Value Mail Live Call-in Show

Low Value Mail

Play Episode Listen Later Jun 23, 2026 177:53

Low Value Mail is a live call-in show discussing current events, politics, conspiracies and much more.Every Monday night at 7pm ETSupport The Show:

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1 Corinthians 10:14-22 | 1 Corinthians

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Play Episode Listen Later Jun 22, 2026 38:04

610: Don't Buy Your Next Rental Until You Ask These 12 Questions

Get Rich Education

Play Episode Listen Later Jun 15, 2026 42:23

Keith shares his "dirty dozen" due diligence questions every investor should ask before buying property, from gauging build-to-rent saturation and local job growth to testing cash flow and exit strategies. He explains why even new-builds still need inspections and how to think about rents that may stay flat while expenses rise. Aundrea Newbern, an experienced investor, broker, and property manager active in Southeast Georgia and Michigan, offers a real-world look at today's long-term and short-term rental markets, including shifting tenant behavior and local restrictions. She also details how she's using AI to streamline property management, improve screening, optimize pricing, and cut maintenance costs, giving listeners practical ideas to apply in their own portfolios. Episode Page: GetRichEducation.com/610 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 FAMILY to 66866 Unlock truly passive real estate income—visit flockhomes.com/GRE today to see if your properties qualify for a 721 exchange with Flock Homes. To get in the best physical, mental, and professional shape of your life, go to DanielThomasHind.com and apply for Daniel's intensive 1-on-1 coaching for burnt-out entrepreneurs and executives. 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 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript: Keith Weinhold 0:01 Keith, welcome to GRE. I'm your host, Keith Weinhold, talking about vital due diligence questions that you have to know the answers to before you buy your next property. Even advanced investors don't know to ask some of these. Then a terrific guest tells us how she is practically applying AI to increase rental occupancy, save on maintenance expenses and drive rental income today on Get Rich Education. Speaker 1 0:28 Since 2014 the powerful Get Rich Education podcast has created more passive income for people than nearly any other show in the world. This show teaches you how to earn strong returns from passive real estate investing in the best markets without losing your time being a flipper or landlord show host Keith Weinhold writes for both Forbes and Rich Dad advisors, and delivers a new show every week. Since 2014 there's been millions of listener downloads in 188 world nations. He has a list show guests and key top-selling personal finance author Robert Kiyosaki. Get rich education can be heard on every podcast platform, plus it has its own dedicated Apple and Android listener phone apps. Build wealth on the go with the Get Rich Education podcast. Sign up now for the Get Rich Education podcast, or visit getricheducation.com Keith Weinhold 1:11 You know, Mid South Home Buyers, that top Memphis turnkey provider, I learned that a secret weapon behind their explosive growth is more than just you buying their properties, it's an executive coach for nine years now. Their CEO, Terry Kerr, and his COO, Pat Nix, have worked privately with a coach who I've now learned from too, and he doesn't market himself online anywhere. After 12 years behind the scenes, that coach is now making himself available exclusively for GRE listeners, his name is Daniel Thomas Hind. If you're a hard-charging business owner or investor who wants to get in the best shape of your life physically, mentally, and professionally, you can fill out an application for a free consult. This is private one on one coaching for those willing to go to uncommon lengths to achieve uncommon results. Thanks to Daniel, we've all become better leaders, better operators, and better men. It started by showing up for ourselves. Now it's your turn. Go to danielthomashind.com H I N D, that's Daniel Thomas hind.com and sign up before Spotsville Flock Homes helps multifamily owners exit the operator grind, whether it's your sixplex or a 50 unit apartment through a 721 exchange. This defers your capital gains tax. It's a strategy long used by institutions. Now you can swap tenants and toilets for passive income and zero management. Request your initial valuations. See if your property qualifies at flockhomes.com/gre that's F L O C K homes.com / G R E. Speaker 2 2:57 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 3:13 Welcome to GRE. I'm your host, Keith Weinhold. The world's biggest problems are also the world's biggest businesses. That's not a coincidence, and it squarely includes the problem of having enough quality housing. We talk about how to do that profitably and diligently, and on the topic of diligence, I've got a dirty dozen due diligence questions, call it I suppose these are smart questions to ask before you get under contract to buy your next property, and some of these could just as well apply to your existing rental property. Build to rent properties have become so popular, but ask the question, are these build to rent properties becoming overbuilt in this neighborhood? That's the first due diligence question, and a lot of investors overlook this, so you got to be mindful that build to rent often means lots of new construction in one smaller defined area. What you should do is ensure that new supply is being absorbed by renters. Some red flags to look out for are if multiple nearby communities are offering heavy concessions or free rent enticements, that is a sign that they're having difficulty luring in new renters to the area, and now taking a couple months to rent a brand new build isn't that unusual, but does the whole thing kind of feel like a mattress liquidation sale? Renters shouldn't have more signing bonuses than NFL free agents. The next due diligence question: Does this market still have population? And job growth, or am I late to the party? New workplace construction is a bullish market sign. Workplace construction, I'm talking about like a new office building, especially a new medical clinic, a new data center, a new factory. These signs are super bullish for an area, because not only does that attract the jobs and support the housing, as you can imagine, but see, that also means that whomever built the new workplace, oh, they probably did some research, and they're bullish about that area for a reason, they're going to look into that and do their due diligence that you can leverage before they spend perhaps 10s of millions of dollars or more in building a new workplace. Keith Weinhold 5:45 The population should be stable or rising. Red flags are if growth already peaked and layoffs are increasing, don't arrive late to the party after the DJ has already packed up. The next question, when you're looking into a property, is is this unit likely to cash flow on day one? You know, you need to wonder, is the unit occupied or vacant. Some investors don't even think to ask that question until they get down the road a ways. When it's occupied, does the rent meet or exceed expenses with a buffer for maintenance and vacancy, now, if it's negatively cash flowing and you're solely enjoying the other four ways real estate pays, that might be okay, but you need to be comfortable with adopting a monthly bill that may or may not work. And do you know what I call a negatively cash flowing property? I call it a 401k property, because you have to keep feeding it every month like it's a 401k. A negatively cash flowing property effectively reduces your salary like a 401k does, and anyone that is serious about building real wealth when they're young enough to enjoy it would not invest in a 401k outside of the employer match portion. Keith Weinhold 7:07 I'm your host Keith Weinhold. Here on Get Rich Education, episode 610 I've answered three out of twelve dirty dozen due diligence questions, and with abundantly minded grow your means answers that you're just not going to find on ChatGPT. Before I get to the fourth one, do you know what the word diligence means? Anyway, you probably have some idea. The definition of diligence is the quality of working carefully and persistently, demonstrating steady effort and thorough attention to a task. It implies a strong work ethic, meticulousness, and a commitment to completing duties well. All right, that is the definition. Diligence is the opposite of negligence. The next one, does my new build property need an inspection first? And this is a question, actually, that came in from Jake in Manhattan. Yes, it always does, whether it's resale or new build. It is always a good idea to get an inspection. One of the biggest misconceptions, really, is that new build means problem free. Keith Weinhold 8:16 People just equate new build with problem free. No, that is not the case. New build can have problems. There could still be foundation cracks that are beyond normal settling, perhaps improperly installed roof flashing that could cause leaks, maybe windows or doors that are installed out of square, and a bunch more stuff that could be wrong, even in new build a presale inspection after you get the property under contract that only costs 350-650 dollars for single family rentals and 500-900 dollars for a duplex. This is cheap insurance. It's also good peace of mind, get it done. Sometimes investors want to skip the inspection when they need a quick close. Buyer, beware of the risk. The fifth due diligence question: What happens to my numbers if rents flatten for two years? And this is a more germane question than usual today, because rent growth is slow here in this cycle. Single-family rents are up just 1.3% year over year per totality, and expenses tend to rise with inflation. All right, so if your rents flatten for two years, project that ahead like your other expenses are rising, and see that the property would still remain financially stable. We cannot build a business plan on motivational quotes. Next, am I buying near major employers or near hopes and dreams with work from home trends, which can probably better be called. Called work from anywhere, trends buying near major employers is actually less important today, but it still matters. It is good to have diversified employers and stable payrolls somewhat nearby. Promises about future development might never happen. Sheesh, some areas have been up and coming since cassette tapes, the seventh due diligence question, what's the property tax trajectory here? That's the question. Taxes are often stable and increases predictable, but is there a local budget shortfall? And see, this is the type of due diligence that few people do keep in mind, and I'm bringing up new build a lot, because there are so many new build income properties today on new builds. Also, look out, year one taxes can look deceptively low until improved property is assessed in year two, and any reputable provider, and when you contact our GRE investment coaching here, we're going to point that out to you. Keith Weinhold 11:05 This is how you can, though, sometimes get unusually low property taxes in year one if they have not assessed the improvement yet. Question eight, and this comes from Violet in Peoria, Arizona, is the builder offering real incentives, or are they just hiding the true price? Okay, well, incentives - they should genuinely improve your deal without inflating the pricing. Here, look out for sunglasses and a fake mustache for financing. It's mandatory that you have an appraisal. This protects you against overpaying in an appraisal, even though it's done for bank collateral purposes, checking the quality of their collateral, which is the property, you know, it is also a good independent third-party valuation check. This is a good tool to keep you from overpaying. Back around the 2008 days, the global financial crisis, you know, often then the lender and the appraiser could collude to give you favorable appraisals, somewhat inflated values, and as it turned out, I was an investor then and ended up being the beneficiary of some of those favorable appraisals, but since then the CFPB, the Consumer Financial Protection Bureau, stepped in. They were formed to step in, so that those parties are no longer in cahoots with each other, and yes, incentives are explicitly disclosed to the lender and appraiser. For example, if you have a seller that offers to pay half of your closing costs if you pay their full sale price. Okay, the appraisers do know that they have that information before they provide you with the appraised value. Ninth, what's the vacancy rate in this area right now? This is a good due diligence question to ask. A balanced market has about five to 6% vacancy, eight to 10% or more. That can often be the sign of a weak market, but this might be all right in build to rent communities, and that's due to longer initial lease up periods that you have there. Due diligence question 10. Would I still want this property if appreciation slowed dramatically? You want to ask yourself this question because you cannot predict appreciation. The answer to this question is most likely yes. Keith Weinhold 13:35 You would still want the property even if appreciation slowed dramatically, because as a listener here, you understand that with a 20% down payment, just 2% price appreciation creates a 10% return on your equity, and you're also benefiting from the other four ways real estate pays, but if you're absolutely counting on appreciation to do all of the heavy lifting over the long term, that's less investing, and that is more hoping with spreadsheets. What's more predictable is something like inflation profiting on your loan, which is a force on its own. Next, ask this question: How old are the big ticket items like the roof, HVAC, plumbing, sewer, and electrical? I mean, if you get a number of expensive items that are near the end of their life, you could soon become emotionally attached to ibuprofen. At GRE Marketplace, we work with either extensively renovated properties or new build properties, so this is rarely a concern. These big capex items, capital expenditures, and that is really the way to go. Extensively renovated or new build property, because see that way the cost of having all this done for you both. Before you buy the property, that means that what you're essentially doing is financing the cost of all this into the loan, you're financing into the new roof, HVAC, plumbing, sewer, electrical, if any of that applies, and if you're buying a fixer upper, well, then a lot of times you need to pay cash for these items, and you lose repair time where the property could have been rented during that renovation time. Work with our investment coaching here, and you're going to be all set. Those big ticket items are rarely a concern. And then what happens is, if you have a break even or a positively cash flowing property. The tenant covers all of your operating expenses with the rent payment, and you never have to pay any money at all for these big ticket items. They pay for your mortgage and everything else, and you never lose the time because these things were done before you bought. Keith Weinhold 16:01 And the last one question 12. What you want to ask is, what's the exit strategy if I ever want to sell? That's the last question. Begin with the end in mind. The fewer doors the property has, the easier it is to sell. Single family homes win big here. I mean, your eventual buyer down the road, they could be a gleeful owner occupant, even if the rental math were poor. That buyer wouldn't even know that the rental math is poor, because they're not renting it out, they're going to live there themselves. Sometimes your single family rental tenant even becomes your eventual buyer. This can work with duplexes too. Sometimes you can get an owner occupant, or your tenant stays there and continues to reside there as they're the owner, and they rent out the other side as well. But if you're trying to sell at 30 duplex, well, now you're exposed to cap rates and investor sentiment and market cycles, it's sort of like trying to offload a small corporation. That doesn't mean that apartments are bad, but they are substantially less liquid than single family rentals. That's your exit strategy that we're looking at. They are the dirty dozen due diligence questions every investor feels bumps, I have you will too, but these questions and answers are really going to go a long way toward helping you own right, and when you stick with it, real estate is a forgiving and lucrative asset class because you're paid in so many ways. Hey, coming up shortly, a guest that you haven't heard from in a while, and I know that some of you have missed hearing her voice. We'll talk a bit about the state of the real estate market here in a period where prices are remarkably stable, housing transactions are only about 80% what they usually are, and then we'll discuss how she's using AI in her real estate investing today. It's how she's increasing her occupancy and optimizing the amount of rent being collected. She splits her time in a couple ways between real estate markets in both Michigan and Georgia, and then in both the short term and long-term rental markets. That's next. I'm Keith Weinhold. You're listening to Get Rich Education. What if you got your mortgage loans the same place I get mine? Keith Weinhold 18:31 You sure can at Ridge Lending Group, NMLS 42056 They provided GRE listeners with more loans than anyone, because Ridge specializes in investment property, they'll help you build a long-term plan for growing your real estate empire with leverage. Start your prequal, and even chat directly with President Chayley Ridge. While it's on your mind, start at ridgelendinggroup.com that's ridgelendinggroup.com Let me ask you something, if you've worked hard to build wealth, is your money positioned to actually support your goals? A lot of accredited investors leave capital sitting in cash because it feels safe, but inflation and missed income opportunities can quietly erode its value. Freedom Family Investments offers freedom notes for investors seeking structured income backed by real estate, it's a straightforward approach built on real assets, not speculation. In full disclosure, I'm an investor myself. What I like is that their team walks you through how it all works, so you can decide if it aligns with your portfolio and income goals. Every investment carries risk, and nothing is guaranteed, but with a track record of consistent on-time investor payouts, they've built real credibility. Go to Freedom Family investments.com to book a clarity call, or text Family 266-866 that's Family 266-866, Speaker 3 20:02 Hi, this is Russell Gray, co-host of the Real Estate Guys Radio Show, and you're listening to Get Rich Education with Keith Weinhold. Don't quit your daydream. We've got a special treat for you today is for the first time in a few years we hear from someone that's served since 2020 in house here in both operations and as an investment coach. Today she serves GRE in a different capacity internally, but a lot of you still ask about her. That's why she's here. She's got both the formal education with her MBA, and is about as robust in being a real estate investor as you can be at the same time. Oh, it's a warm welcome back to the talented Andrea Newburn. Aundrea Newbern 20:51 Hey, Keith, it's so great to be back. It's been a long time. Keith Weinhold 20:54 Well, you've continued to grow not just in your business but in your family size since you were last here. Congrats there. I'd like your thoughts, just generally, about the American residential real estate investment market today, where we've got these sort of rising prices in low supply areas, we have slightly falling prices in oversupplied areas, we've got mortgage rates that have normalized, we've got tough affordability for renters that want to be first time home buyers, so just tell us about what you see, big picture. Andrea, Aundrea Newbern 21:28 Yeah, absolutely, and so I invest and operate predominantly in the Southeast, so this will probably be a little bit more of a lens from the Southeast market, but as you know, I still actively invest in real estate myself. I help, you know people buy rental properties, also. But then the main thing that I'm doing now is I have a property management company down in Southeast Georgia, and so I'm seeing things more from the lens of what investors are doing, where they're investing, where rents are going, and if people are even buying properties. So it's been a little bit interesting. I mean, what I'm seeing is that, as you all know, it slowed down. We're not seeing as many investors buy properties, but people still are doing it, and they're still finding good cash flowing properties. Where the challenges come in is you're not making as much money on these properties as you did four or five years ago, so you know your margins are going to be a little bit less, your cash flow is going to be a little bit less. And then we're seeing, you know, rents kind of stabilize depending on the type of asset class that it is, so you know things are not doing wonderfully, but they're stable from what I'm seeing in the southeast market, Keith Weinhold 22:31 and now you do a good bit of investing in sort of Brunswick and out toward the Georgia coast, including places like Jekyll Island, where G. Edward Griffin wrote his book about the formation of the Fed, and all that in general. How has that area been from a residential supply standpoint? For example, we know in neighboring Florida they've had a lot of oversupplied pockets. How are we looking there? I think you have a lot of occupancy right now from talking to you earlier. Aundrea Newbern 22:59 We do, so I manage two different types of investments, right? I manage the long-term rental properties. There's less of those like on Jekyll Island, there's more of those in the mainland and Brunswick. And then we do the vacation rentals, which is very, very heavy on Jekyll Island and St. Simons Island. What we're seeing this year, if we talk about maybe those vacation rentals first, and then I'll talk about the long-term vacation rentals, we're still seeing a lot of demand, a lot of people are still coming. We're not really down from this time last year, but the one big thing we're seeing is people are booking their vacations last minute, they're not booking them months in advance at this point. So that's definitely had a little bit of an impact and had us on edge, because we're like, okay, where are these vacations? And then, sure enough, they're booking a couple weeks out now, so that's going really well. The investors that have purchased homes on Jekyll and St. Simons, especially Jekyll, are doing really good. They're still making a lot of money. They have high occupancy. Where are we seeing a little bit more of the challenge is with the long-term rentals. So rents are kind of staying flat from where they were last year in some of those B and C markets. We may even see a slight decrease, just a couple percentage points, and then it's taking longer to fill the property. So last year we could typically get a qualified runner in in three to four weeks. Now we're seeing anywhere from five to eight weeks. Right now, Keith Weinhold 24:11 as far as on the short term side, have restrictions affected you at all, like banning Airbnbs, for example, and how have you seen that play out in other areas? Because you certainly network with other people that do short-term rentals. Can you tell us about that? Aundrea Newbern 24:26 Yeah, absolutely. So I can talk about the Southeast market, for one, where in Jekyll, St. Simons, Brunswick, we're seeing no rental restrictions whatsoever. We do have to have a process to register the rental with a county, but it's so easy. It's literally a form. We do an inspection once a year, and that is it. I don't know that this is a fact, but a lot of the commissioners and politicians in the area also have rental properties. I think that probably has a little bit of an impact on that up here in Michigan, which, you know, I have another home, and I live in Michigan part of the time as well. There's a lot of restrictions, in fact, my. House right now is in Sterling Heights, Michigan, and they already have a rental ban where you can't do less than 30 days, so you're already having to go into that midterm market, and now they have some proposals up with the local municipality to even eliminate some of that, so we're seeing that in this area. Keith Weinhold 25:17 Generally, do you tend to see it in nicer, ritzier areas where they want to make the short-term rental restrictions. Aundrea Newbern 25:24 Yes, I do. Absolutely. Up here in Sterling Heights, where I live, the average home of my neighborhood is around five to six hundred thousand dollards and they absolutely do not want those here. But if you go a few neighborhoods over, where you're looking more of like the two hundreed to three hundred thousand dollars range, they don't seem to have as much of an issue with those. There Keith Weinhold 25:40 We've been talking about short term rentals in both Southeast Georgia and then in Metro Detroit, where you currently spend quite a bit of your time. Talk to us about the long term rental market with affordability for buying being down, that really hurts the prospective first time home buyer, so they need to be more likely to rent, which would make some people wonder. Oh, well, then how could vacancy possibly go up in an area? Well, you know, migration - we've touched on it - is one reason why that might happen. Another reason why it might happen is you might see more doubling up. Aundrea Newbern 26:15 Yeah, we do. We see a lot more families coming in. In fact, last week we just rented a property out to somebody where the parents were renting with their children, their grown adult children that also had kids, they're getting bigger houses, right? So they're actually feeling that need to fill up some of our larger homes, but it's multi-generational now. We are seeing a lot more roommates come in, too, instead of two roommates, you'll see three people come in and get a house together. The other thing we've noticed that's been really drastic, maybe the last three or four months, is the debt load that we're seeing. So, when we run people's background checks and look, they've got a lot of credit card debt now. We didn't see that as much years prior. Keith Weinhold 26:50 All right, so you're seeing that at the street level, that's a statistic that we can read about, that American savings rates are down and the proportion of debt is often up. You're seeing it in real time, there. Do you see potentially, Andrea, this propensity for people to want to sort of bend things and have someone that's not on the lease live there with them in order to cut costs? So, you know, is there really anything in this environment that we really need to be careful about when we're screening tenants with them having such a debt load, and having to struggle with inflation and rising prices. Aundrea Newbern 27:23 Yeah, absolutely. The debt load, number one, you know, we'll see them increasing, and that's something we want to keep an eye on. So, we're having to kind of retool our policies to look more critically at that debt load. They may not be delinquent on anything now, but if we've seen it gone up significantly in the last few months, I bet you it's coming. So, we're trying to retool our policies to be able to deal with that, you mentioned people having unauthorized tenants in the home that has persistently been an issue for us, maybe the past year. We find this often that that's happening, and usually it's because that person wouldn't qualify on the application, but they still bring in money and can help with the rent. The third thing, and this is with the advent of AI, right, how big AI has come is, we're seeing a lot of documents that are clearly fraudulent, but they look really, really good, because AI has created them. So that's another issue. Keith Weinhold 28:09 Gosh, that's interesting. Well, I want to ask you more about AI, and you know, Aundrea, America is in such a weird time with AI today. You probably saw it at these college graduations across the nation, where a luminary is up front at the lectern making a commencement speech, and they get booed by students for talking about embracing AI, and that's probably because the student feels threatened about AI taking the job that they might not get, and you know what's funny, I suspect there's some of those same students, they loved it when AI helped them write an essay in order to get to graduation and wear that cap and gown, so.. Aundrea Newbern 28:51 Absolutely. Keith Weinhold 28:52 Yeah, that's what I knew when I say that we're in a weird time with AI, but I know that you've really embraced AI as a property manager and investor almost from the get-go to make your property operations more efficient, so that you don't have to raise prices on owners, and you can keep those owner expenses down and increase resident retention at the same time. So, tell us more about how you're using it. Aundrea Newbern 29:16 Yeah, so my team, I think, hates me for this right now, but in the last six months we have literally changed our operations front to back in a few different ways. Number one, we've changed the systems that we use, so you know, for vacation rentals as well as long-term rentals, you have your property management system that kind of streamlines everything, and that you do everything in. We've started going to platforms that are a little bit more AI friendly, so they have AI agents built in and they have AI functionality already in them, so that we're not having to purchase additional tools to come in and add them as a layer on top of our systems. So that's kind of the basic thing that we're doing, but the other fun things that I've been able to do, and I'm still, you know, working on this, and we're refining it daily, is using AI actually as kind of like a virtual assistant, essentially. So we do have virtual assistants with a company, and they're great, and we love them, and they do a wonderful job. However, they're human, so they're not perfect, but these AI agents, once you've trained them to do a lot of the back office tasks that your virtual assistants can do, after a certain number of iterations and training, they don't really make mistakes. So knowing that we have that, and we can continue building on that. We don't have to add FTE to our team, which increase our labor costs. That's allowing us to not raise our prices on our clients, and which I'm sure they're all happy about, because other property management companies are doing that right now, Keith Weinhold 30:33 Right, so property management companies are going to have to do this to stay competitive and keep up, whether they want to or not, and when I think about using AI in real estate, you know, one of the first things I think of, just say that tenant journey from attracting the tenant to placing them. When I think of the cutting edge, I think of help with marketing and writing advertisements, which I think is kind of a simple thing to do, sort of an easy way to implement AI, and also when I think about that early part of the journey, really I think about using AI as a leasing assistant, and sort of how you see that more, the 24/7 front desk, if you will. I mean, if you have an AI leasing assistant that can answer questions for your prospective new tenant and follow up with leads that can be a big deal. I mean, a lead that sits unanswered for six hours, they just kind of turn into a cold French fry, and instead AI can answer those questions and schedule that tour. If a prospective tenant asks the same question four times, you know the AI doesn't get frustrated and leave out some sigh. So, can you tell us more about kind of that front end, the marketing, and then the leasing end? Are you using AI as a leasing assistant essentially? Aundrea Newbern 31:47 We are. So, if we talk about maybe the marketing piece of things before we get into the leasing, we're not using as much AI with marketing at the moment. I have had it write some copy for me for some marketing, and I'm not usually crazy about it. I still think it looks like AI right now, so we're having to do a lot of changes with that, but what it has done a really good job at helping us out in the last few weeks is have it go analyze your website, have it analyze how you come up in search functions, right? So, if somebody's going to Google or if they're going to Gemini or they're going to Chat GPT, what's happening with your website and your company when people are looking for property managers, for example, it does a very thorough check on that. It's also really good at reviewing your website and telling you where you have gaps in terms of maybe you need to, you know, change something here or there, or you have certain links that are not helping in your search functionality. So, I think it's really good as far as analyzing stuff. That's kind of about all we've done as far as marketing, as far as a leasing assistant goes, this has essentially been like the biggest lift I think we've had from AI, period, in the last couple years. So, maybe a year ago, we implemented a software, and I'm going to leave the name out, because I'm sure you know I'd rather not do that, but it's a software, and there's a bunch of different options that you can use for this, but essentially it collects all of our leads for us, so we set it up, you know, we set criteria for the type of tenant and our policies for, you know, what type of tenant would qualify, and they call in or message or email this number or this email address, and the AI essentially goes through and asks them a series of questions, lets them know if they would potentially qualify or not. If they would not, then it will not allow them to schedule showings for any of our properties, if they would, with no exceptions. Then we can go ahead and get them scheduled, and the AI actually goes through and gets them scheduled as well. So it is a huge help for us. Keith Weinhold 33:30 That is really nice. Okay, helping out with tenant screening, there can it arrange tours, put them on the calendar, then if they're qualified. Aundrea Newbern 33:40 Yes, it actually gives them an option and shows them all of the dates we have available, so the person can go ahead and schedule their showing. It can provide updates if we need it, so if we change our policy, it can send that out to the tenants for us as well. So that process I would say is about 90% automated right now. It doesn't really take much human intervention, except for us to review things and make sure there's nothing kind of wonky with the schedule or anything like that. Keith Weinhold 34:00 Okay, so if they're qualified and interested, the prospective tenant can fill out an application, and then is AI assisting on the screening, and are you still meeting with them in person before they get the keys and sign the contract? Aundrea Newbern 34:14 Yes, and no. So we still do meet with them in person to be able to do like that walkthrough of the property and make sure we're documenting issues, and all of that, which, by the way, I think in the next year that'll probably be automated as well, but we're not quite there yet. They do not have to come in in person, in terms of signing the lease or anything like that. That's all done remotely. If they want to, they can, but we really don't have to meet with them until it's time for move in at this point. Keith Weinhold 34:36 All right, we're seeing the evolution of AI since it was really Chat GPT that was pioneering and rolling out in November of 2022 so we're coming up on four years of really this activity being integrated into our lives, and I think we both know that it's only going to get better from here, so when we have a tenant that. It's actually placed, of course. I often like to say they call the discipline property management, but it could probably very well be called tenant management. And I think, about, you know, is everything okay after the tenants there? As far as AI having a maintenance triage function, if there's a maintenance request, of course, you're going to want to prioritize something differently if it's a big plumbing leak that's damaging the subfloor versus just having a slow drain, you know. You probably want to be sure either one of those things are taken care of, but one is going to get priority over the other. So, can you tell us more about after that tenants place the maintenance triage and using AI there? Aundrea Newbern 35:38 Yeah, so we've pretty much automated the maintenance process in the last year, other than, you know, actually making sure the vendor went out and did what they were supposed to do. So, right now, with us, a tenant has to go in, unless they have a disability and can't do it, of course, but they have to go in and put in any work orders through our system, and essentially what happens is we've created kind of a workflow, so here's the issues of the types of things that would not be considered an emergency unless they answer, you know, certain questions a certain way. Here are the things that are emergencies and requires to go out pretty much no matter what, right? For the things that are non-emergency, or they're not clear in what the actual issue is, which is probably the number one problem we have, is they say, 'My lights aren't working, that's it, we don't know anything else about it, and then come to find out it was just a light bulb, or come to find out it was just their breakers tripping. The AI actually goes in and analyzes what they put in as the issue and selected, and then asks them a series of questions, and then, based on their responses, it actually tells them what to go do to troubleshoot it. We're seeing right now with data, it's eliminating maybe about 40% of the things that we would send somebody out for, yeah, it is huge, and the tenants are doing it, and they're not really pushing back or having issues with it most of the time, but then there are certain things that AI can't quite figure out, we're still training it on, so we do have to send somebody out or call, but it's having a huge reduction in us having to send folks out for this. Keith Weinhold 36:56 Okay, yeah, we're not talking about completely eliminating humans, but that's huge, if they can have AI give them the answer to maybe some routine maintenance thing, probably that they could have gone and found out on their own, but yeah, that saves 40% of maintenance visits, that's a big deal. All right, so not too much backlash from tenants, not saying, like, oh, hey, I don't want to be talking with your robot, come on, not so much of that. Aundrea Newbern 37:20 No, not yet. Now we are looking right now at implementing an actual AI agent that would answer the phone to handle these types of just maintenance issues, nothing else but maintenance for right now. And we've tested out a lot of different softwares that do this. Some are better than others, but none of them are perfect yet. And I could call and definitely tell I'm talking to AI, maybe some people couldn't. I feel we're probably going to have a little bit more blowback when that starts getting implemented and rolled out. Keith Weinhold 37:44 Yeah, I imagine people are just going to get more and more used to this, you know. I wonder, how much AI is helping you with rent pricing, what amount to set the rent for. I mean, for example, isn't it interesting if AI knows that, hey, a bunch of units in the neighborhood all around you, they already have high occupancy. It's really tight in this sub market, where maybe it would advise you to bump up your rent. So, tell us about how AI is helping you with rent pricing. Aundrea Newbern 38:12 Yeah, so you know, as a broker, I obviously have access to the MLS, which we use for a lot of data, but then sometimes there's rentals that are not on the MLS, so you know an owner went and listed it themselves, and I actually have an agent that their task is to go in every couple of days, and they'll analyze any of our existing listed properties that we have that are not occupied. We're still waiting on somebody to apply, and it'll go and tell me, "Hey, is anything else been listed? Has anything that was out there when we did our review two days ago? Has anything closed? Can we figure out, you know, what price it rented for? Sometimes it can, sometimes it can't, but it'll provide me a report every two days, automated, in my inbox for me to be able to look at on that. So it's really nice. Keith Weinhold 38:51 Wow, this could be hugely useful. Yeah, or imagine on the flip side of that, if AI detects that there are a lot of vacancies in your area that, hey, you probably don't want to get so aggressive with rent increases. In that case, was there any last way that you're using AI in real estate? Maybe something I didn't think about asking you, Aundrea. Aundrea Newbern 39:10 If we talk about long-term rentals, not as much. I think you kind of hit on the main things that we're using it for right now, but if we look at vacation rentals, it is doing a lot more there, I think, at the moment than it is long term. So, for example, pricing - we have dynamic pricing that we use for all of our vacation rentals, and the dynamic pricing isn't perfect, so somebody still has to physically go in and make sure no tweaks need to be made, that there's nothing weird going on in the software. I now have an AI agent that, that is their number one job. They go in once a day, they review all of our pricing. They let me know whether we need to adjust it up, down, change our minimum days, maximum days, and we make the adjustments. We're training it now to actually do those for us, but we haven't let it do it yet, so we're still waiting there. It's still waiting on its approval for me to do that, but things such as pricing, things such as going through and analyzing guest feedback, or guest. First tone, even in messages, it's providing me reports on that daily, so I can help identify problems that are maybe small problems before they become big. Keith Weinhold 40:07 It makes sense that it would be more applicable in short-term rentals with all the turnover that you have there. Well, Andrea, let us know if there's a way for our followers to keep up with you and what you're doing, because people still ask about you here. You're so well liked. Let us know. Aundrea Newbern 40:26 Yeah, so there's a couple of ways. If you're wanting to kind of see what we're doing with property management or our company, you can go to goldenaislesretreats.com There's also for a way for you to get in touch with me there. You can also check me out on LinkedIn or on Facebook, so I'm there as well, and I'd be happy to connect with anybody. I miss our listeners. Keith Weinhold 40:43 Oh, Andrea, it's been valuable. It's been great having you back. Aundrea Newbern 40:46 Thank you, Keith. Keith Weinhold 40:53 Yeah, great to hear from Aundrea again on the show. It has been a few years. If you use professional management like I do, they will most likely be applying AI in a lot of the ways that we discussed. Coming up on the show soon, a life coach that's had a profound effect on a number of guests that we've hosted here on the show over the years. He has agreed to join us. He doesn't do a lot of appearances like this, so it'll be great. We'll hear directly from Daniel Thomas Hind, and how he transforms the lives of so many business people and investors professionally, physically, and mentally. I'm confident that it's going to help you get more out of life too. Until next week, I'm your host, Keith Weinhold. Don't quit your daydream. Speaker 1 41:45 Nothing on this show should be considered specific personal or professional advice. Please consult an appropriate tax, legal, real estate, financial, or business professional for individualized advice. Opinions of guests are their own. Information is not guaranteed. All investment strategies have the potential for profit or loss, the host is operating on behalf of Get Rich Education LLC exclusively. Keith Weinhold 42:13 The preceding program was brought to you by Your Home for Wealth Building, getricheducation.com.

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