Podcasts about progressive insurance

10 Commonly Misunderstood Insurance Terms Explained Episode 389 – Sometimes people get confused by all the jargon used in the financial services industry. It's difficult to understand what you're buying—or what you already have—if you don't understand the language being used. Here is a quick listing of ten terms, commonly used in the life insurance industry, that you might not fully understand. More SML Planning Minute Podcast Episodes Transcript of Podcast Episode 389 Hello, this is Bill Rainaldi, with another edition of Security Mutual's SML Planning Minute. In today's episode: we explain 10 commonly misunderstood life insurance terms. Sometimes people get confused by all the jargon used in the financial services industry, and life insurance is no exception. It can be difficult to understand what you're buying—or what you already have—if you don't understand the language being used. Here is a quick listing of 10 terms, commonly used in the life insurance industry, that are helpful to have a basic understanding of: Underwriting. Before making any sort of offer to you, a life insurance company may need to evaluate your health. For example, life insurance companies generally check to see whether you are a tobacco user or not. A nonsmoker generally has a longer life expectancy than a smoker and thus will often qualify for a better rate and reduce the cost. On the other hand, smoker or not, if you're in particularly poor health, the company may not be able to offer you coverage at all. Beneficiary. Life insurance policies will usually list a beneficiary. That is the person—or entity—who receives the life insurance policy's death benefit if the insured dies. Note that any beneficiary designation under a life insurance policy is separate from beneficiary designations in your will. You could leave your entire estate to your children via your will, but if someone else is the beneficiary of your life insurance policy, that person receives the proceeds. The owner of the policy has the right to change the beneficiary (or beneficiaries) as their needs or desires change and it is recommended to review all of your beneficiaries annually or during any change to your planning strategy. Term Life Insurance. Term life insurance is the simplest form of life insurance. You will pay a premium that covers a specific term of years. 10, 20 or 30 years are common terms for one of these policies. If you die during the designated term, your beneficiary will receive the death benefit. It is generally used when you have a temporary need for insurance, such as paying off a mortgage or funding your child's college education if you're no longer there. Permanent Life Insurance. Unlike a term policy, permanent life insurance is designed to provide lifetime coverage. With most policies, as long as you pay your premiums, the policy stays in force for life, and the death benefit is guaranteed by the insurance company. It also usually provides a cash value. An example of permanent insurance is whole life insurance. Cash Value. With many permanent life insurance policies such as a whole life insurance policy, part of your premium pays the cost of the death benefit, and part of it goes into an account inside the policy and grows on a tax-deferred basis. As a policyowner, you have the right to access these funds if you wish via loans or withdrawals. The funds could potentially be used for major expenditures or cash emergencies if needed. Dividends. It's not just your stock portfolio that can pay dividends; your life insurance policy might do so as well. Life insurance dividends are usually associated with mutual life insurance companies such as Security Mutual Life. Dividends are distributed to policyholders from the insurer’s surplus earnings. They are not guaranteed. Grace Period. This is essentially an automatic safety net that exists on every life insurance policy. If you miss a premium payment, you generally have an extra 30 days past the due date before the policy lapses to pay your premium. And, if you die during the grace period, the full death benefit is payable, although there may be a deduction for any missed premium.[1] Paid-Up Additions. Paid-up additions are like miniature life insurance policies within a whole life insurance policy. Each paid-up addition adds a little bit of extra paid-up death benefit and guaranteed cash value to your policy without ongoing premium. Paid-up additions are often created through a whole life policy rider, although if you have a dividend-paying policy, you might be able to choose to take your dividends as paid-up additions. Since paid-up additions are fully paid up portions of death benefit, they can be surrendered for needed cash by the policyowner, or to pay the policy's premiums, if needed. Doing so will reduce the guaranteed cash value and death benefit.  Accelerated Death Benefit. This allows you to receive a portion of the death benefit while you are still living and is often made available as a rider assigned to specific circumstances such as chronic, critical or terminal illness. It is designed to help provide access to cash for medical bills, nursing care, or other costs associated with the qualifying event. If the advance payout from the life insurance policy is due to terminal illness, it is usually exempt from income taxes.[2],[3] In many circumstances, an accelerated death benefit rider is a simple add-on to a life insurance policy with no separate charge. And finally… Chronic Illness Rider. A chronic illness rider is a type of accelerated death benefit rider that gives you access to part of your death benefit while you are still alive. To take advantage of a chronic illness rider, you need to be certified by a doctor as someone who is ill and not expected to recover. In many cases you will be eligible if you are unable to perform at least two of the six “Activities of Daily Living,” or ADLs, without assistance. These include things like bathing, getting dressed, eating, etc.[4] All these terms can be very confusing. Some may be applicable to you; some may not. The good news is that, if you're contemplating a new life insurance policy, you don't need to go it alone. Your Security Mutual Life insurance agent can help. Your Security Mutual Life insurance agent can augment or help assemble your planning team. They'll coordinate with your attorney and tax professional to review your situation and to determine the insurance plan that will best suit your needs and objectives. [1] Ethos Life. “Understanding the Life Insurance Grace Period.” Ethos.com. https://www.ethos.com/life-insurance/life-insurance-grace-period/ (accessed June 4, 2026). [2] Kagan, Julia. “Understanding Accelerated Benefits in Life Insurance Policies.” Investopedia.com https://www.investopedia.com/terms/a/accelerated-benefits.asp (accessed June 4, 2026). [3] Stimpson, Jeff. “Form 1099-LTC Explained: Long-Term Care and Death Benefits.” https://www.investopedia.com/1099-ltc-form-what-to-know-about-the-1099-ltc-form-4781748 (accessed June 4, 2026). [4] Progressive Insurance. ”What is a life insurance critical or chronic illness rider?” Progressive.com. https://www.progressive.com/answers/critical-chronic-illness-rider/ (accessed June 4, 2026).   More SML Planning Minute Podcast Episodes This podcast is brought to you by Security Mutual Life Insurance Company of New York, The Company That Cares®. The content provided is intended for educational and informational purposes only. Information is provided in good faith. However, the Company makes no representation or warranty of any kind regarding the accuracy, reliability, or completeness of the information. The information presented is designed to provide general information regarding the subject matter covered. It is not to serve as legal, tax or other financial advice related to individual situations, because each individual's legal, tax and financial situation is different. Specific advice needs to be tailored to your situation. Therefore, please consult with your own attorney, tax professional and/or other advisors regarding your specific situation. To help reach your goals, you need a skilled professional by your side. Contact your local Security Mutual life insurance advisor today. As part of the planning process, he or she will coordinate with your other advisors as needed to help you achieve your financial goals and objectives. For more information, visit us at SMLNY.com/SMLPodcast. If you've enjoyed this podcast, tell your friends about it. And be sure to give us a five-star review. And check us out on LinkedIn, YouTube and Twitter. Thanks for listening, and we'll talk to you next time. Tax laws are complex and subject to change. The information presented is based on current interpretation of the laws. Neither Security Mutual nor its agents are permitted to provide tax or legal advice. The applicability of any strategy discussed is dependent upon the particular facts and circumstances. Results may vary, and products and services discussed may not be appropriate for all situations. Each person's needs, objectives and financial circumstances are different, and must be reviewed and analyzed independently. We encourage individuals to seek personalized advice from a qualified Security Mutual life insurance advisor regarding their personal needs, objectives, and financial circumstances. Insurance products are issued by Security Mutual Life Insurance Company of New York, Binghamton, New York. Product availability and features may vary by state.​ SubscribeApple PodcastsSpotifyAndroidPandoraby EmailTuneInDeezerRSSMore Subscribe Options

When Tricia Griffith joined Progressive in 1988 as an entry-level claims representative, her job often required crawling under cars to assess damage. Decades later, she remains committed to doing whatever is required as she leads one of the largest and most successful property and casualty insurers in the country. In fact, she still plays an active role in onboarding new employees at every level of the organization.rnrnProgressive's growth has been fueled not only by its recognizable brand and memorable advertising-Flo, Dr. Rick, and an additional cast of characters-but by a deeply intentional approach to company culture for which it recently earned the #1 spot on The Forbes America's Best Employers for Company Culture list. The same values that shape Progressive's public presence guide how the company recruits, develops, and empowers its people. Since 2016, Progressive has doubled its market share of the U.S. auto insurance market, growing to more than 18 percent and generating over $81 billion in earned premium, a testament to a culture that treats its workforce as a strategic advantage rather than a cost center.rnrnBefore becoming CEO, Griffith held several key executive positions including leading human resources for the insurer, giving her a leadership perspective shaped as much by talent development and organizational design as by operations and strategy. In this year's Leadership for the Greater Good forum, she joins us to reflect on what it takes to lead at scale without losing sight of the individuals who make growth possible.

With recent Supreme Court and high-profile liability rulings shaking up the industry, what does the future look like for your brokerage from an insurance and risk mitigation standpoint? Cameron Pechia from  Valley Trucking Insurance is back to break down what these legal shifts really mean for your day-to-day operations. The reality is that the legal defense veil has been ripped away from brokers, creating a massive new target for attorneys chasing insurance money. While freight brokers aren't legally required to carry specific insurance, a proper vetting process is no longer just a best practice—it's your primary shield.  Let's dive into why having a bulletproof, documented vetting system that can stand up in a courtroom is critical and why shippers might start leaning heavily on brokers to offload their own risk!   About Cameron Pechia Cameron is the founder of Valley Trucking Insurance, a leading Trucking Insurance Agency based in Spokane, Washington. With a deep passion for the trucking industry and a commitment to excellence, Cameron has become a trusted figure in the field. Cameron also is the host of Get A Load Of This Trucking Podcast and brings a ton of value to the Trucking Industry. Cameron is also a dedicated husband and father to his two beautiful girls…His daughters are his "WHY" and what makes him get up in the morning and try to win each and every day.  At Valley Trucking Insurance, Cameron oversees the provision of specialized insurance solutions tailored to the unique needs of trucking companies. The agency serves a diverse clientele, including local trucking companies, long-haul trucking companies, aggregate haulers, tow truck companies, hot shots, freight brokers, and other related risks. Cameron ensures that clients receive the highest level of customer service and comprehensive coverage through the agency's proven process known as the "VTI Difference." Under Cameron's leadership, Valley Trucking Insurance has achieved significant growth and expansion across the county. The agency has built strong partnerships with renowned insurance providers such as Great West Casualty Company, Lancer Insurance Company, Progressive Insurance, Berkshire, and Canal. Additionally, Cameron also focuses on placing fleet-sized trucking companies into captive insurance programs, enhancing their risk management and financial stability. Looking ahead, Cameron is focused on an ambitious goal of expanding the agency's reach by looking to help over 10,000 Trucking Companies and Freight Brokerage operations within the next seven years. Adhering to the principles outlined in the book Traction by Geno Wickman, he is dedicated to creating world-class onboarding and customer service experience for his trucking clients. This initiative aims to foster a culture of excellence and continuous improvement, ensuring Valley Trucking Insurance remains at the forefront of the industry.   Connect with Cameron Website: https://www.valleytruckinginsurance.com/  LinkedIn: https://www.linkedin.com/in/cameron-pechia-49903072/  Email: Cameron@alllinesinsure.com  

 In this episode, I share our nine‑day trip that became far more than a vacation—it became a reset button for our marriage and a living lesson in what firm commitment really looks like.The journey begins in Maryland, serving alongside our sons and a group of young adults in a community project called “Shop the Block.” , “There's a different kind of closeness that comes from serving together,” a line that captures the spirit of the trip's beginning.From there, we wander through Amish country, where the simplicity and intentionality of the Amish way of life sparks reflection on how easily modern life pulls us away from what matters most. Their route continues through early church history sites in Palmyra and Kirtland, where the sacrifices and steadfastness of early Saints deepen our appreciation for conviction and devotion.The trip also brings moments of awe—like braving the icy winds on the Maid of the Mist at Niagara Falls—and moments of tenderness, like watching Dave stand proudly in front of the Progressive Insurance headquarters where he spent 37 years building a career and supporting their family. “He was committed. Deeply. Quietly. Consistently.”These experiences lead me into a heartfelt exploration of the difference between being committed and being firmly committed—especially in marriage. I reflect on the cultural shift toward self‑focused relationships, the challenges we have faced (including the grief of losing Jessica), and the daily choice to turn toward each other rather than away.I also share insights gathered from couples we've  worked with:Holding an eternal, long‑term perspectiveLetting nothing stand in the way of prioritizing the marriageOffering grace through life's phasesKeeping excitement alive through intentional datingDedicatedBeing “all in”Communicating honestly, even when it's uncomfortableUltimately,  firm commitment isn't flashy—it's steady, daily, and sacred. It anchors us. It shapes how we love. And it carries us through.I invite you, my listeners,  to reflect on their own lives:Where are you firmly committed—and how does that commitment shape who you are becoming? To connect with Angela AdamsShoot me an email:  adamsangela707@gmail.com 

after four years of never missing a Thursday, Halley and Jaz are taking their first ever summer break… and honestly, this episode feels exactly like hanging out with them one last time before everyone disappears for the season. Halley's Hampton's house is finally done, her she-shed is getting turned into a backyard bar (Reed wants to call it Bar Dog, which makes complete sense), and she had a bridal hair trial where she basically had to beg her stylist to make her look messier. all very Halley Kate Core.from there it goes where it always goes… which is everywhere. they get into childhood fears (quicksand vs. tornadoes, and a very traumatic first day of second grade), the anxiety of being drunk around influencers you don't know that well, whether a bridge collapse or a tunnel flood is technically more survivable, revisiting their most anxiety-inducing drunk moments (cracking a chin open, peeing on a street in Barcelona, and persistently offering your apartment to someone who very much did not want it); spiraling into Kendall Jenner's dating life and whether Timothée and Travis Scott have ever had a real conversation; and unearthing the most painfully cringe middle school relationship moments, including a boyfriend whose text signature read "dash I love Halley" after approximately five days of dating.in classic Delusional Diaries fashion, the girls are going out with a bang before the summer break... funny and a little sentimental, the way the best episodes always are. they'll be back in the fall with some changes… newsletter and Patreon in the meantime, but for now, h.a.g.s. Timestamps 0:20 - Summer break 9:56 - Jacob Elordi, Timothee Chalamet, Kendall, and Kylie Jenner14:20 - Blocking all the haters 24:14 - Hangiexty33:51 - First crushesMore of Delusional Diaries Podcast:Instagram: https://www.instagram.com/delusionaldiariespodcast/TikTok: https://www.tiktok.com/@delusionaldiariespodcastYoutube: https://www.youtube.com/@DelusionaldiariespodcastSubstack: https://delusionaldiariespodcast.substack.com/Website: https://delusionaldiaries.com/More of Halley:Instagram: https://www.instagram.com/halleykmcg/TikTok: https://www.tiktok.com/@halleykateMore of Jaz:Instagram: https://www.instagram.com/justjazzzyidk/TikTok: https://www.tiktok.com/@justjazzzyidkYouTube: https://www.youtube.com/justjazzzyidkLinksOllie - Ollie. Feed the Obsession. Go to ollie.com/diaries and use code diaries to get 70% off your first boxapartments.com - apartments.com RYL Tea - https://drinkryl.com/ Progressive Insurance - https://www.progressive.com/ See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

On this episode of The Brand Herald, Landon sits down with Josh McKain of Henry Rose Consulting, a Louisville-area operations consultant, group coaching founder, with an impressive LinkedIn presence. Josh's story isn't a straight line. It's a winding path from accounting to insurance operations to entrepreneurship, held together by a persistent curiosity and an ability to build trust with people quickly.Josh and Landon connected with each other on LinkedIn before finally sitting down for coffee and discovering they had a lot more in common than they realized. Josh unpacks the origin of Henry Rose Consulting, including the moment on a solo hike at Deem Lake when the name just appeared in his head, and what it means to build a consultancy around a personal brand rather than a keyword-stuffed service description. He's candid about not thinking of himself as a marketer and yet, the way he shows up consistently on LinkedIn and in his community tells a different story.From there, the episode shifts into the evolution of Josh's business model. What started as one-on-one consulting pivoted, almost organically, into Throughput Mastery, a group coaching program built around helping business owners get clear on what they actually want from their businesses, not just what they want to sell. Josh walks through the epiphany he had in Europe that forced him to ask a harder question: why build a business you don't love? He also introduces Aero Growth, a partnership venture, and talks frankly about the challenge of juggling multiple brands under one personal identity.The episode closes on something both Landon and Josh keep returning to throughout: the irreplaceable value of real human connection in an age of AI and automation. Josh's ability to rally accomplished, influential people around a shared idea, from a near-miss business summit to a growing coaching community, is the thread that runs through everything he's built. His friend's line says it best, and Josh has clearly taken it to heart: the only way to lose is to stop playing.Chapters:00:00: Landon introduces Josh McKain and the story of how they met on LinkedIn. 01:25: Josh reflects on their "online dating of business networking" connection and LinkedIn as a relationship tool. 02:14: Josh explains why he doesn't consider himself a marketer and how that shapes his approach to visibility. 04:06: Growing up in New Albany, Indiana, his early career in accounting, and the pivot to Progressive Insurance. 08:04: How Josh landed at Strothman despite bombing his interview and what that taught him about self-awareness. 12:05: The origin of Henry Rose Consulting17:04: An epiphany in Europe, why Josh stopped building a business he didn't love and started building one he did. 19:33: Introducing Throughput Mastery and Aero Growth28:40: Branded merch, personal brand, and why Josh asked Landon to make his logo smaller. 36:24: Practical advice for anyone thinking about going out on their ownResources:Josh McKain LinkedIn Henry Rose Consulting LinkedInThroughput Mastery Aero Growth LLC

Todd Kaylor, Global Head of Talent Acquisition at MKS Inc., shares his journey from Progressive Insurance and agency recruiting to leading talent in global tech manufacturing. He talks about the differences between software and manufacturing, the importance of structured interviews, and how AI is supporting—not replacing—workers. Todd highlights the need for adaptability in recruiting and touches on trends like autonomous driving and global manufacturing. Plus, Todd reveals his love for classic muscle cars. Tune in for career insights, industry trends, and a fun, upbeat conversation!   Click here to follow Todd on LinkedIn Click here to check out job openings at MKS

this week on Delusional Diaries, Halley and Jaz are fully entering their summer era, and with that comes a lot of opinions. from Solidcore drama and influencer gym etiquette to the devastating loss of Cava's tahini caesar dressing, the girls navigate through the internet discourse that becomes way too personal, a bit too quickly. between marathon training updates from Reed and Kevin, sauna purchases, Hamptons nesting, and debates about post-run meals, the episode is basically one long chaotic life update in the best way possible.they also get into the realities of adulthood that nobody really warns you about, including the diplomacy of bachelorette trips, whether it's socially acceptable to book your own hotel room, and why even valid boundaries somehow still create drama in friend groups. the girls unpack viral conversations around dog ownership after a creator admitted she regretted getting a high-energy breed without researching it first, leading into a bigger conversation about responsibility, lifestyle compatibility, and how much your entire life changes once you become a dog parent. plus: expensive grooming disasters, terrifying Goop Kitchen food poisoning TikToks, and Halley's ongoing love-hate relationship with Tracy Anderson workouts, including a class that turned into an unexpected split-flexibility challenge.of course, they end the episode exactly where they thrive most: pop culture rabbit holes and deeply unserious debates. from Red Flats Girl becoming the internet's newest icon to conversations about Twilight, Gossip Girl, SATC, The Summer I Turned Pretty, and why some fictional love triangles should've ended in therapy instead of romance, the girls rank all the internet's most controversial couples. they also talk beauty routines, favorite summer music, awkward salon small talk, and SO MUCH MORE! it's all random, hilarious, and feels exactly like spending an hour gossiping with your funniest friends.Timestamps 0:16 - Feeling like summer 6:53 - Jaz's new hobby 16:49 - Bachelorette protocol 27:01 - Tracy Anderson 37:19- Red Flats Queen45:14 - Who's side are you on More of Delusional Diaries Podcast:Instagram: https://www.instagram.com/delusionaldiariespodcast/TikTok: https://www.tiktok.com/@delusionaldiariespodcastYoutube: https://www.youtube.com/@DelusionaldiariespodcastSubstack: https://delusionaldiariespodcast.substack.com/Website: https://delusionaldiaries.com/More of Halley:Instagram: https://www.instagram.com/halleykmcg/TikTok: https://www.tiktok.com/@halleykateMore of Jaz:Instagram: https://www.instagram.com/justjazzzyidk/TikTok: https://www.tiktok.com/@justjazzzyidkYouTube: https://www.youtube.com/justjazzzyidkLinks Ogee Beauty - Go to ogee.com/DIARIES and use code DIARIES to get 20% off certified organic makeup that performs like luxury.Ollie - Ollie. Feed the Obsession. Go to ollie.com/diaries and use code diaries to get 70% off your first box!Progressive Insurance - https://www.progressive.com/RYL Tea - https://drinkryl.com/Zbiotics - Go to https://zbiotics.com/DIARIES and use DIARIES at checkout for 15% off any first time orders of ZBiotics probiotics.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

What does it take to completely reinvent yourself as a photographer? In this episode of The Nerdy Photographer Podcast, I sit down with photographer Steve Vaccariello to explore a career path that's anything but conventional. Steve's journey spans from the highly technical world of medical photography and the storytelling demands of photojournalism in Ohio to the fast-paced, creative landscape of portrait, fashion, beauty, and dance photography in New York City. This conversation dives into what it really means to be self-taught; and how curiosity, persistence, and adaptability can shape a long-term creative career. Episode Promos This episode includes promos for the following: Siteground Web Hosting - https://siteground.com/go/nerdy Nerdy Photographer Contract Templates - https://nerdyphotographer.com/product-tag/contracts/ Aftershoot AI Culling, Editing, and Retouching - https://aftershoot.com/?ref=nerdyphoto The Power Up - a newsletter for photographers looking to level up their photography game! - https://nerdyphotographer.com/newsletter About My Guest "Steve Vaccariello is not just a photographer; he embodies the art of photography itself. "Photography isn't what I do; it's what I am," he asserts with conviction. For Vaccariello, the essence of his craft lies in the image, transcending mere technique or fleeting trends. He invites viewers to discover the beauty in simplicity, capturing the often-overlooked moments that reveal the extraordinary in the ordinary. His vivid and sensual imagery is characterized by suggestive lighting, evocative shadow play, and innovative printing methods. Vaccariello's work delves into the realms of ethereal beauty and physical expression, artfully exploring the nuances of form and the spectrum of emotional depth. "I'm a purist at heart," he explains, emphasizing his commitment to the foundational elements of photography—camera, light, and composition—striving for a unique yet timeless aesthetic. Vaccariello's artistry has garnered significant recognition, including a feature in the highly esteemed relaunch issue of Nikon World, which showcased him as a leading figure in contemporary photography. His work has also graced the pages of prominent publications such as Digital Pro Photo, American Photographer, PDN, and Nikon World. An award-winning photographer, his images have been included in several influential books, including the best-selling "The Male Nude" (Taschen, 1998), "A Thousand Hounds" (Taschen, 2000), and "Graphis Nudes III" (Graphis, 2000). His striking prints are coveted by notable collectors, including Bruce Weber, Mark Balet, and Kevin Aucoin, as well as the esteemed contemporary art collection of Progressive Insurance. Vaccariello's work is also part of the permanent archives at the Leslie Lohman Gay Art Foundation. Born in Cleveland in 1965, Vaccariello now calls New York home, where he continues to create and travel extensively for assignments around the globe. Through his lens, he invites us to see the world anew, celebrating the delicate interplay of light and form that defines our shared human experience." You can view Steve's work on his website - www.stevevacc.com - or on Instagram - https://instagram.com/steve_vacc and https://instagram.com/steve.vacc About The Podcast The Nerdy Photographer Podcast is written and produced by Casey Fatchett. Casey is a professional photographer in the New York City / Northern New Jersey with more than 20 years of experience. He just wants to help people and make them laugh. You can view Casey's wedding work at https://fatchett.com or his non-wedding work at https://caseyfatchettphotography.com    If you have any questions or comments about this episode or any other episodes, OR if you would like to ask a photography related question or have ideas for a topic for a future episode, please reach out to us at https://nerdyphotographer.com/contact  

"Carriers have been vetted to death. ... For 20 years, carriers have been vetted, vetted, vetted. And brokers have not. There's no entry-level audit, no checking in every year like the carrier has to do. The carrier has a responsibility and an ability to start asking questions." --Dale Prax of Freightvalidate Asking questions, that is, to fully "vet the brokers," noted Prax, freight fraud watcher, FMCSA's onetime "worst critic," and proprietor of FreightValidate , a vetting tool offered to both carriers and brokers and unique in that regard. H spoke to the one-sided nature of vetting that's gone on for decades now. In this Overdrive Radio edition, track back through the opening panel discussion at the Mid-America Trucking Show where Prax delivered those words. As was the case last year during the opening, the fraud in freight markets was a big part of the discussion. Our own Alex Lockie detailed the fraud focus in a report last week you can find at this link -- https://overdriveonline.com/15821288 -- featuring Prax and his work alongside so many around trucking to light a fire underneath regulators (and truckers and brokers themselves) on combating the bad actors. It wasn't the only big theme coming out of this year's MATS. Panel moderator Brent Hutto, now working with Truck Parking Club, teed up another topic up at the very start -- the notion of AI, and what quick advancement in various forms could mean for freight relationships for owner-operators and trucking more broadly. Panelists included other voices regular readers will be familiar with, including past Small Fleet Champ Jason Cowan of Silver Creek Transportation on his own growing adoption of automation for parts of his back-office processes. Yet Cowan also underscored the importance of really working personal relationships for any owner-operator looking to grow. "I would go to people and say, 'Hey I want to haul your freight,'" he said of his early efforts to ink shipper contracts. The answer, too often, was a question barked back to him, "Well how many trucks do you have?" In those early days, shippers were looking for fleets larger than his three trucks, yet he never lost an opportunity to offer to be the pressure-release valve for any who would listen. "Hey listen," he might say, "here's my card. When somebody drops the ball, give me a call." Thus was a meager start to long-term business relationships with a myriad customers. Silver Creek's up to around 75 trucks today after a recent acquisition, proof positive the approach at least can work to get you started, if you deliver. More about that acquisition: https://overdriveonline.com/15773179 There's more where that came from, likewise from the other panelists featured in an opening MATS session sponsored by Progressive Insurance and DAT Freight & Analytics: **Lee Klaskow, Senior Analyst, Bloomberg Intelligence **Jamie Hagen, Owner & President, Hell Bent Xpress: https://overdriveonline.com/15819686 **Bill Driegert, Executive Vice President, DAT Carrier Products + Convoy Platform **Sanjay Vyas, General Manager for Commercial Lines Product & Pricing, Progressive **Adam Wingfield, Founder & Managing Director, Innovative Logistics Group Also in the podcast, OOIDA Executive VP on the outlook for the broker transparency rulemaking (still hearing May from the FMCSA) and delay on drafting the next big highway bill in Congress. Partisan arguments over war, over immigration and so much more increase the likelihood Congress might kick the can down the road on the front, Pugh said. But time will tell. More ongoing coverage of news, custom trucks, analysis and more from MATS at this collection: https://overdriveonline.com/tag/mats

3/25/2026 Mike and cohost, actress Callie Walker welcome actor Mike C. Nelson to ConversationsRadio. Mike has built an amazing resume' of work. Mike currently recurs as 'Dan' on AppleTV's number one comedy series  'Shrinking'  and can be seen as 'Nurse Larry' on episodes 'Blackish' Mike is also well known as 'Keith' in the Progressive Insurance popular advertising campaign aimed at helping young homeowners avoid turning into their parents.   You can follow Mike on Instagram @mikecnelson1 Enjoy the Podcast!  

this week on Delusional Diaries, Halley and Jaz are taking it all the way back to the early covid days, and realizing just how insane that era actually was. what started as a “two-week break” turned into a full identity crisis, and the girls unpack exactly where they were when everything shut down. from Halley barely surviving unpaid internships, college, and New York burnout, to Jaz thriving in her corporate era before getting abruptly pulled into HR for a literal covid exposure scandal, their origin stories are crazy, funny and life-altering. it's the kind of hindsight that makes you go… wait, that actually changed everything.they get real about how losing their routines, jobs, and sense of normalcy forced them into completely different paths: ones that ultimately led them to where they are now, together in the studio. from getting laid off and spiraling into depression, to starting TikTok “as a joke” and accidentally building careers, they talk about the weird in-between phase of doing nothing, doing too much, and trying to figure out who you are when everything familiar disappears. it's honest, relatable, reflective, and lowkey proof that sometimes your lowest point is actually the setup.of course, it wouldn't be Delusional Diaries without the side quests. the episode spirals into thrift store hustles turned mini empires, fake designer accusations, high school party lore, and the kind of crazy teenage decisions that somehow make sense in retrospective. they discuss parenting topics & there's also random debates, questionable choices, and a lot of “why were we like this?” energy. we're sure that, you'll find yourself in this episode, you'll look back & reflect with the girls, and laugh just as much as they did…Timestamps0:28 - 6 years since COVID 18:10 - What were we all doing during lockdown 21:06 - Golfing 24:25 - Going to court 26:40 - Sweet 16 and high school parties 48:18: - Lemme send a good PR package More of Delusional Diaries Podcast:Instagram: https://www.instagram.com/delusionaldiariespodcast/TikTok: https://www.tiktok.com/@delusionaldiariespodcastYoutube: https://www.youtube.com/@DelusionaldiariespodcastSubstack: https://delusionaldiariespodcast.substack.com/Website: https://delusionaldiaries.com/More of Halley:Instagram: https://www.instagram.com/halleykmcg/TikTok: https://www.tiktok.com/@halleykateMore of Jaz:Instagram: https://www.instagram.com/justjazzzyidk/TikTok: https://www.tiktok.com/@justjazzzyidkYouTube: https://www.youtube.com/justjazzzyidkLinks Cozy Earth - Go to cozyearth.com/DELUSIONAL for up to 20% off!Blissy - Wake up with clearer skin, smoother hair, and cooler sleep. Use code DIARIES for an extra 30% off atblissy.com/DIARIES.Progressive Insurance - progressive.comIM8 - go to IM8health.com/delusional and use code DELUSIONAL for a free welcome kit, 5 free travel sachets, plus 10% off your orderSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Are fraud rings quietly manipulating the trucking industry? Are brokers relying too much on outdated Certificate of Insurance? And what happens when stricter DOT enforcement reshapes how freight moves across the country? In this episode, Cameron Pechia of Valley Trucking Insurance explains how organized trucking fraud - from chameleon carriers and fake insurance documents to criminal syndicates influencing CDLs, financing, and compliance - is forcing brokers and carriers to tighten verification processes and rethink risk management across the supply chain! We talk about why Certificate of Insurance is a weak proof without direct verification, how upcoming DOT regulations and increased enforcement may trigger short-term spikes in freight fraud, and why brokers should implement 30-60 day insurance and credential re-verification cycles to protect loads. Cam also dives into how stronger regulatory standards, better insurance verification practices, and real collaboration with trusted providers can help ethical trucking companies thrive while improving market stability, reducing carrier failure rates, and strengthening overall supply chain security.   About Cameron Pechia Cameron is the founder of Valley Trucking Insurance, a leading Trucking Insurance Agency based in Spokane, Washington. With a deep passion for the trucking industry and a commitment to excellence, Cameron has become a trusted figure in the field. Cameron also is the host of Get A Load Of This Trucking Podcast and brings a ton of value to the Trucking Industry. Cameron is also a dedicated husband and father to his two beautiful girls…His daughters are his "WHY" and what makes him get up in the morning and try to win each and every day.  At Valley Trucking Insurance, Cameron oversees the provision of specialized insurance solutions tailored to the unique needs of trucking companies. The agency serves a diverse clientele, including local trucking companies, long-haul trucking companies, aggregate haulers, tow truck companies, hot shots, freight brokers, and other related risks. Cameron ensures that clients receive the highest level of customer service and comprehensive coverage through the agency's proven process known as the "VTI Difference." Under Cameron's leadership, Valley Trucking Insurance has achieved significant growth and expansion across the county. The agency has built strong partnerships with renowned insurance providers such as Great West Casualty Company, Lancer Insurance Company, Progressive Insurance, Berkshire, and Canal. Additionally, Cameron also focuses on placing fleet-sized trucking companies into captive insurance programs, enhancing their risk management and financial stability. Looking ahead, Cameron is focused on an ambitious goal of expanding the agency's reach by looking to help over 10,000 Trucking Companies and Freight Brokerage operations within the next seven years. Adhering to the principles outlined in the book Traction by Geno Wickman, he is dedicated to creating world-class onboarding and customer service experience for his trucking clients. This initiative aims to foster a culture of excellence and continuous improvement, ensuring Valley Trucking Insurance remains at the forefront of the industry.   Connect with Cameron Website: https://www.valleytruckinginsurance.com/  LinkedIn: https://www.linkedin.com/in/cameron-pechia-49903072/  Email: Cameron@alllinesinsure.com  

Boston has been a creative powerhouse for decades. While agencies like Mullen, The Barbarian Group, Modernista, and Hill Holiday have all left their mark, Arnold continues to this day, alongside smaller agencies like Colossus, to make a mark with national work (think Progressive Insurance) that makes most of us jealous. Boston also houses many in-house agencies at companies including The LEGO Group. Shark Ninja, Staples, Liberty Mutual, New Balance, Puma, etc. We talk about all this and more with many of the people at its center. Thanks to Tracksuit, Ipsos and the Effies for supporting our live tour.

in this episode of Delusional Diaries, Halley is officially engaged… yes let's take a moment. and she's recording minutes after surviving a truly cursed international travel day. fresh off a chaotic europe run (Rome, the French Alps, Geneva, Zurich & probably hell too after the insane travel), the girls unpack surprise engagements, emotional whiplash, canceled flights, snowstorms, and why airports bring out your worst personality traits.they get into luxury delusions vs. reality: hermes bag politics, resale drama, obscene swiss prices, brand-trip burnout, ski towns without the skiing, and why being a tourist is actually the correct approach to traveling. Halley breaks down how getting engaged didn't magically change her life or personality, while Jaz keeps things grounded with humor, honesty, and a shared love of spa resets, elite chocolate, and friendship decompression.naturally, the conversation spirals: travel-day crash-outs, snapping at your partner for absolutely no reason, quitting habits during a snowstorm, the existential pressure to have a “hobby,” and the realization that some people thrive in chaos more than consistency. engagement glow, nervous system fried. no pretending, no polishing, just your two favorite besties breaking down everything.Timestamps 0:28 - Travel days & engagements 11:03 - Halley's first time skiing 18:16 - Switzerland 32:00 - Rest days and hobbies42:41 - The Price is Right Links Seat Geek - Use our code for 10% off your next SeatGeek order*:https://seatgeek.onelink.me/RrnK/DELUSIONAL10 Sponsored by SeatGeek. Max $20 discountCozy Earth - Go to cozyearth.com/DELUSIONALBOGO for an exclusive deal onlyIM8 - im8health.com/delusional and use code delusional for a Free Welcome Kit, 5 free travel sachets plus 10% off your order Chime - chime.com/diaries Progressive Insurance - progressive.comMore of Delusional Diaries Podcast:Instagram: https://www.instagram.com/delusionaldiariespodcast/TikTok: https://www.tiktok.com/@delusionaldiariespodcastYoutube: https://www.youtube.com/@DelusionaldiariespodcastSubstack: https://delusionaldiariespodcast.substack.com/Website: https://delusionaldiaries.com/More of Halley:Instagram: https://www.instagram.com/halleykmcg/TikTok: https://www.tiktok.com/@halleykateMore of Jaz:Instagram: https://www.instagram.com/justjazzzyidk/TikTok: https://www.tiktok.com/@justjazzzyidkYouTube: https://www.youtube.com/justjazzzyidkSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

it's the first episode of the year, and Halley and Jaz are ringing in 2026 exactly how they know best: overanalyzing everything, setting unrealistic resolutions, and spiraling (lovingly) through life updates. from the psychological power of a “new year, new me” mindset to seasonal depression, meds, wellness eras, and why January feels either elite or unbearable, the girls unpack how they're approaching the year ahead: very differently.the episode flows through travel plans, brand trips, Rome itineraries, New Year's hangovers, book obsessions, TV recs that may or may not ever be watched, and the internet drama everyone seems forced to have an opinion on. the girls sound off on influencer discourse, public scrutiny, relationships in the spotlight, and why sometimes it's okay to simply not care.they also dive into relationship dynamics, wedding season thoughts, guest etiquette, bachelorette trip planning, and whether opposites really do attract. as always, the episode balances humor with honesty, proving once again that delusion, when paired with self-awareness, is actually a life skill. cozy up, welcome the new year, and let the spiral begin once again.Timestamps0:24 - 2026 Jaz 6:39 - New Years Eve11:57 - Online drama 30:50 - All things wedding 39:11 - Voice memos and facetime calls 46:42 - Cutting up a wedding dressLinks Apartments.com: apartments.com Progressive Insurance: progressive.comMore of Delusional Diaries Podcast:Instagram: https://www.instagram.com/delusionaldiariespodcast/TikTok: https://www.tiktok.com/@delusionaldiariespodcastYoutube: https://www.youtube.com/@DelusionaldiariespodcastSubstack: https://delusionaldiariespodcast.substack.com/Website: https://delusionaldiaries.com/See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

That Solo Life Episode 328: The Power of Purpose-Driven Branding with Cat Holt Episode Summary This week, Karen and Michelle are joined by Catherine "Cat" Holt, a seasoned marketing executive with over 25 years of experience building major US brands. Cat shares her journey from the corporate world to founding her own company, driven by a desire to help businesses create purpose-driven cultures. She offers a masterclass on aligning a company's internal values with its external brand message to build a strategic business asset. The conversation also explores how women in their 40s are reshaping their careers, the democratizing power of AI in communications, and the critical importance of women supporting each other to foster community and shared success. Episode HighlightsCa [01:12] From Corporate to Founder: Cat explains why she left a successful corporate marketing career in 2021 to start her own company. [03:51] The Great Reassessment: A look at the trend of women in their 40s reevaluating their priorities to seek more meaning and fulfillment in their professional lives. [08:06] Building a Purpose-Driven Culture: Cat breaks down the concept of purpose-driven branding and how to get started. [09:56] Aligning Inside and Out: Learn how to connect your company's internal culture and values with your external brand messaging for authentic impact. [10:24] Behind the Scenes of Dr. Rick: Cat gives an inside look at the creation of the famous "Dr. Rick" campaign, highlighting the power of honesty and relatability in advertising. [16:40] Brand as a Business Asset: Shifting the perspective from brand as a marketing function to a core strategic asset that drives growth. [27:37] AI as a Communication Equalizer: How artificial intelligence is democratizing brand management and communication, opening doors for solo practitioners. [30:31] Shaping the Future of AI: A call for more women to get involved in AI engineering to ensure the technology is inclusive and representative. [33:42] Finding Your "Female Posse": The undeniable value of women creating supportive communities and championing each other in the workplace. About Catherine Holt Cat Holt is the architect behind one of the most enduring and beloved campaigns in insurance history — Dr. Rick for Progressive Insurance. With a rare blend of strategic rigor and creative soul, Cat has helped legacy brands evolve, challenger brands emerge, and leadership teams navigate the unknown. Today, as President & CEO of Coologee, Inc., she brings that same clarity and courage to companies facing transformation, uncertainty, or opportunity. Connect with Cat on LinkedIn: https://www.linkedin.com/in/catkolodij/ Resources & Additional Information Cat Holt Website: Coologee, Inc. Cat Holt Newsletter: Brand is Business Host & Show Info That Solo Life is a podcast created for public relations, communication, and marketing professionals who work as independent and small practitioners. Hosted by Karen Swim, APR, founder of Words For Hire and President of Solo PR, and Michelle Kane, Principal of Voice Matters, the show delivers expert insights, encouragement, and advice for solo PR pros navigating today's dynamic professional landscape. Did this episode inspire you? If you found value in this conversation, please take a moment to leave us a review on your favorite podcast platform. Your feedback helps us reach more solo pros just like you! Don't forget to subscribe so you never miss an episode.

"AI can help us get to a destination faster... but it's not without some kind of oversight." - Catherine Holt Cat Holt is a marketing strategist, entrepreneur, and brand builder who has shaped some of the most iconic campaigns in modern advertising, including Progressive Insurance's Dr. Rick campaign. She is the Founder and Chief Brand Officer of Coologee, Inc., where she leads a one-team approach that blends agency expertise with client-side insight to drive measurable business impact. Cat also co-founded Lion + Owl, a kids' apparel brand that combines innovative design with a mission to promote kindness and inclusion. Previously, she held senior leadership roles at Falls & Co., Progressive Insurance, and several top agencies, helping brands evolve, grow, and connect with audiences in meaningful ways. Website: https://coologee.com/ LinkedIn: https://www.linkedin.com/in/catkolodij Instagram: https://www.instagram.com/coologee/# Substack: https://catholtcoologee.substack.com/   Michael Orkin is a professor, consultant, researcher, and author.  His most recent book is "The Story of Chance – Beyond the Margin of Error" (Innovative Ink, 2025).  He has appeared on numerous podcasts and TV shows and has been an invited speaker at many conferences.  Dr. Orkin has a B.A. in Mathematics and a Ph.D. in Statistics from the University of California at Berkeley.  He is currently a mathematics professor at Berkeley City College and Professor of Statistics Emeritus at California State University, East Bay.orm) Website: https://drmikeorkin.com LinkedIn: linkedin.com/in/dr-mike-orkin-5600584 Substack: https://drmikeorkin.substack.com/   In this episode, we explore how data, strategy, and creativity intersect to drive smarter decisions, stronger brands, and meaningful impact. Dr. Orkin and Cat Holt share insights from their respective worlds of statistics and marketing, showing how analysis and storytelling work together to shape success.   Apply to join our marketing mastermind group: https://notypicalmoments.typeform.com/to/hWLDNgjz Follow No Typical Moments at: Website: https://notypicalmoments.com/ LinkedIn: https://www.linkedin.com/company/no-typical-moments-llc/ YouTube: https://www.youtube.com/channel/UC4G7csw9j7zpjdASvpMzqUA Instagram: https://www.instagram.com/notypicalmoments Facebook: https://www.facebook.com/NTMoments

"AI can help us get to a destination faster... but it's not without some kind of oversight." - Catherine Holt Cat Holt is a marketing strategist, entrepreneur, and brand builder who has shaped some of the most iconic campaigns in modern advertising, including Progressive Insurance's Dr. Rick campaign. She is the Founder and Chief Brand Officer of Coologee, Inc., where she leads a one-team approach that blends agency expertise with client-side insight to drive measurable business impact. Cat also co-founded Lion + Owl, a kids' apparel brand that combines innovative design with a mission to promote kindness and inclusion. Previously, she held senior leadership roles at Falls & Co., Progressive Insurance, and several top agencies, helping brands evolve, grow, and connect with audiences in meaningful ways. Website: https://coologee.com/ LinkedIn: https://www.linkedin.com/in/catkolodij Instagram: https://www.instagram.com/coologee/# Substack: https://catholtcoologee.substack.com/   Michael Orkin is a professor, consultant, researcher, and author.  His most recent book is "The Story of Chance – Beyond the Margin of Error" (Innovative Ink, 2025).  He has appeared on numerous podcasts and TV shows and has been an invited speaker at many conferences.  Dr. Orkin has a B.A. in Mathematics and a Ph.D. in Statistics from the University of California at Berkeley.  He is currently a mathematics professor at Berkeley City College and Professor of Statistics Emeritus at California State University, East Bay.orm) Website: https://drmikeorkin.com LinkedIn: linkedin.com/in/dr-mike-orkin-5600584 Substack: https://drmikeorkin.substack.com/   In this episode, we explore how data, strategy, and creativity intersect to drive smarter decisions, stronger brands, and meaningful impact. Dr. Orkin and Cat Holt share insights from their respective worlds of statistics and marketing, showing how analysis and storytelling work together to shape success.   Apply to join our marketing mastermind group: https://notypicalmoments.typeform.com/to/hWLDNgjz Follow No Typical Moments at: Website: https://notypicalmoments.com/ LinkedIn: https://www.linkedin.com/company/no-typical-moments-llc/ YouTube: https://www.youtube.com/channel/UC4G7csw9j7zpjdASvpMzqUA Instagram: https://www.instagram.com/notypicalmoments Facebook: https://www.facebook.com/NTMoments

Progressive Insurance is issuing $1B in rebates to Florida residents. We're uncovering what's next for homeowners, the MCO expansion, and answering your Q&A!

In today's episode, Cameron Pechia is back to talk about succeeding in freight sales and building a customer base from scratch! Cam shares the reality of starting at zero, long hours, side hustles, and the grit it takes to keep pushing forward, why most sales reps fail, from lack of niche focus to missing systems, and how dialing in daily prospecting, clear business plans, and CRM tools can change the game. We also hit on the size of the freight market, the power of niche and regional focus, and why building authority with prospects matters more than chasing everyone.  This episode is packed with strategies for freight brokers, carriers, and sales reps who want to stop winging it and start building sustainable, long-term success in the transportation industry!   About Cameron Pechia Cameron is the founder of Valley Trucking Insurance, a leading Trucking Insurance Agency based in Spokane, Washington. With a deep passion for the trucking industry and a commitment to excellence, Cameron has become a trusted figure in the field. Cameron also is the host of Get A Load Of This Trucking Podcast and brings a ton of value to the Trucking Industry. Cameron is also a dedicated husband and father to his two beautiful girls…His daughters are his “WHY” and what makes him get up in the morning and try to win each and every day.  At Valley Trucking Insurance, Cameron oversees the provision of specialized insurance solutions tailored to the unique needs of trucking companies. The agency serves a diverse clientele, including local trucking companies, long-haul trucking companies, aggregate haulers, tow truck companies, hot shots, freight brokers, and other related risks. Cameron ensures that clients receive the highest level of customer service and comprehensive coverage through the agency's proven process known as the "VTI Difference." Under Cameron's leadership, Valley Trucking Insurance has achieved significant growth and expansion across the county. The agency has built strong partnerships with renowned insurance providers such as Great West Casualty Company, Lancer Insurance Company, Progressive Insurance, Berkshire, and Canal. Additionally, Cameron also focuses on placing fleet-sized trucking companies into captive insurance programs, enhancing their risk management and financial stability. Looking ahead, Cameron is focused on an ambitious goal of expanding the agency's reach by looking to help over 10,000 Trucking Companies and Freight Brokerage operations within the next seven years. Adhering to the principles outlined in the book Traction by Geno Wickman, he is dedicated to creating world-class onboarding and customer service experience for his trucking clients. This initiative aims to foster a culture of excellence and continuous improvement, ensuring Valley Trucking Insurance remains at the forefront of the industry.   Connect with Cameron Website: https://www.valleytruckinginsurance.com/  LinkedIn: https://www.linkedin.com/in/cameron-pechia-49903072/  Email: Cameron@alllinesinsure.com  

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We're back for the last episode of this week with our returning guest, Cameron Pechia of Valley Trucking Insurance! Cam shares his insights on the current market downturn, the rising business failures leading to significant client losses, his recommended insurance coverage for freight brokers, legal challenges for brokers, Valley's educational content expansion, the importance of standard operating procedures, and key red flags in selecting carriers!   About Cameron Pechia Cameron is the founder of Valley Trucking Insurance, a leading Trucking Insurance Agency based in Spokane, Washington. With a deep passion for the trucking industry and a commitment to excellence, Cameron has become a trusted figure in the field. Cameron also is the host of Get A Load Of This Trucking Podcast and brings a ton of value to the Trucking Industry. Cameron is also a dedicated husband and father to his two beautiful girls…His daughters are his “WHY” and what makes him get up in the morning and try to win each and every day.  At Valley Trucking Insurance, Cameron oversees the provision of specialized insurance solutions tailored to the unique needs of trucking companies. The agency serves a diverse clientele, including local trucking companies, long-haul trucking companies, aggregate haulers, tow truck companies, hot shots, freight brokers, and other related risks. Cameron ensures that clients receive the highest level of customer service and comprehensive coverage through the agency's proven process known as the "VTI Difference." Under Cameron's leadership, Valley Trucking Insurance has achieved significant growth and expansion across the county. The agency has built strong partnerships with renowned insurance providers such as Great West Casualty Company, Lancer Insurance Company, Progressive Insurance, Berkshire, and Canal. Additionally, Cameron also focuses on placing fleet-sized trucking companies into captive insurance programs, enhancing their risk management and financial stability. Looking ahead, Cameron is focused on an ambitious goal of expanding the agency's reach by looking to help over 10,000 Trucking Companies and Freight Brokerage operations within the next seven years. Adhering to the principles outlined in the book Traction by Geno Wickman, he is dedicated to creating world-class onboarding and customer service experience for his trucking clients. This initiative aims to foster a culture of excellence and continuous improvement, ensuring Valley Trucking Insurance remains at the forefront of the industry.   Connect with Cameron Website: https://www.valleytruckinginsurance.com/  LinkedIn: https://www.linkedin.com/in/cameron-pechia-49903072/  Email: Cameron@alllinesinsure.com  

This week, we're recapping the chaos that is our current media consumption. From buying a tear stick for attention purposes only to analyzing Hollywood plastic surgery. We also dive into the enigma that is Paul Jonas and try to make sense of it all. Then, we take a nostalgic detour behind the scenes of Clueless and wrap it up with a full breakdown of our incredible experience at Beyoncé's Cowboy Carter concert. Yeehaw and thank you, Queen B.Want BONUS CONTENT? Join our PATREON!Sponsors:➜ This episode is sponsored in-part by Task Rabbit.➜ This episode is sponsored in-part by Progressive Insurance.➜ This episode is sponsored in-part by Me Undies.➜ This episode is sponsored in-part by Tropical Smoothie Cafe.Works Cited:➜ Kimberlee Speakman. Storm-Chasing Couple Gets Engaged in Front of Oklahoma Tornado in “Epic Proposal,” PEOPLE, 23 May 2025.➜ Nell Greenfieldboyce. “Researchers Puzzle over Rash of Baby Monkey Kidnappings.” NPR, 19 May 2025.Editor: Kevin BettsCamp Songs:Spotify PlaylistYouTube PlaylistSammich's Secret MixtapeSocial Media:Camp Counselors TikTokCamp Counselors InstagramCamp Counselors FacebookCamp Counselors TwitterSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

This week we are joined by comedian, TikTok star, and our hilarious friend Grace O'Malley! Grace spills the tea on her time at acting camp (including a twist she did not see coming). Plus we chat about the Navy boys flooding New York City for Fleet Week, the politics of clam chowder in the Delta Sky Lounge (but never at a concert), and so much more!Get tickets to see Grace O'Malley's Down For Anything TourWant BONUS CONTENT? Join our PATREON!Sponsors:➜ This episode is sponsored in-part by Boll & Branch.➜ This episode is sponsored in-part by Liquid IV. ➜ This episode is sponsored in-part by Progressive Insurance.➜ This episode is sponsored in-part by Rocket Money.➜ This episode is sponsored in-part by Tropical Smoothie Cafe.Works Cited:➜ Mary Jane Belleza. “Rent a Grandma Provides Service and Purpose for Clients, Employees across Las Vegas, Owner Says.” KLAS, 19 Mar. 2025.➜ Daniel Halmarson & Danton Unger. “After Winning a $5M Lottery, This Winnipeg Man Says His Ex-Girlfriend ‘Ghosted Him.'” CTVNews, 27 May 2025. Camp Songs:Spotify PlaylistYouTube PlaylistSammich's Secret MixtapeSocial Media:Camp Counselors TikTokCamp Counselors InstagramCamp Counselors FacebookCamp Counselors TwitterSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Want BONUS CONTENT? Join our PATREON!Sponsors:➜ This episode is sponsored in-part by Tropical Smoothie Cafe.➜ This episode is sponsored in-part by Progressive Insurance.Camp Songs:Spotify PlaylistYouTube PlaylistSammich's Secret MixtapeSocial Media:Camp Counselors TikTokCamp Counselors InstagramCamp Counselors FacebookCamp Counselors TwitterSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

In this episode we are yapping all about our day trip to the Brimfield Flea Market! It was a day filled with nunu nana finds, and elite people-watching. Then we dive into the deeply important story of a cat named Tofu who has a real gold tooth, GoDaddy's undying devotion to Danica Patrick, and the eternal drama of Fleetwood Mac.Want BONUS CONTENT? Join our PATREON!Sponsors:➜ This episode is sponsored in-part by Tropical Smoothie Cafe.This episode is sponsored in-part by Pretty Litter.➜ This episode is sponsored in-part by Thrive Market.➜ This episode is sponsored in-part by Progressive Insurance.Sources:➜ Maria Azzurra Volpe. Cat Gets $5,000 Gold Tooth-Becomes an Internet Sensation, Newsweek, 12 May 2025.➜ Mari Yamaguchi. A Man Airlifted from Japan's Mount Fuji Returns to the Slope Days Later and Is Rescued Again, AP News, 28 Apr. 2025.Camp Songs:Spotify PlaylistYouTube PlaylistSammich's Secret MixtapeSocial Media:Camp Counselors TikTokCamp Counselors InstagramCamp Counselors FacebookCamp Counselors TwitterSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

In this week's episode, we recap our spontaneous day trip to Washington DC and all the unexpected chaos that came with it. We dive into the bizarre story of hundreds of redheads gathering in the Netherlands for a Ginger-only celebration, and we can't stop thinking about the woman who discovered a snake in her margarita... yes, really.We contemplate using a shrink ray to ride around in a Matchbox car like it's Honey, We Shrunk Ourselves. Then we get a little philosophical discussing the Butterfly Effect and how tiny choices can lead to wild outcomes.Want BONUS CONTENT? Join our PATREON!Sponsors:➜ This episode is sponsored by Progressive Insurance. See if you can save on insurance at Progressive.comSources:➜ Thom Dunn. “Small Dutch Town Invaded by Gingers.” Boing Boing, 5 Sept. 2024.➜ Autumn Childress. “Snake Falls into Margarita at Virginia Restaurant, Woman Says She's Traumatized.” FOX 8, 27 Apr. 2025.Camp Songs:Spotify PlaylistYouTube PlaylistSammich's Secret MixtapeSocial Media:Camp Counselors TikTokCamp Counselors InstagramCamp Counselors FacebookCamp Counselors TwitterSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

In this episode, we talk about our mission to become the best hosts in the neighborhood... if only anxiety would stop crashing the party lol. We dive into the Unclaimed Baggage 2025 report, a fascinating and kinda unhinged roundup of the bizarre (yet nunu nana) items people leave behind in lost luggage. Zach covers the story of a man who tracked down his own stolen truck and is now changing careers to become a private detective. Plus, we discuss David Archuleta being a PG-13 hottie, and Beyoncé's stunning music. You know you're homework, go listen with lyrics pulled up... why are you still reading this? We're gonna go have a gin martini with Sammich. Well Zachariah is. Jonathan will pout.Want BONUS CONTENT? Join our PATREON!Sponsors:➜ This episode is sponsored in-part by Liquid I.V.➜ This episode is sponsored in-part by Pretty Litter.➜ This episode is sponsored in-part by Thrive Market.➜ This episode is sponsored by Progressive Insurance. See if you can save on insurance at Progressive.comSources:➜ Mike Singletary. “The 2025 Found Report.” Unclaimed Baggage, Unclaimed Baggage, 9 Apr. 2025.➜ Heather Walker & Darcelle Hall. “Man Charts His Own Path, Drives over 800 Miles to Find Stolen Truck after He Says BSO's Investigation Took Too Long.” WSVN 7News Miami, 9 Apr. 2025.Camp Songs:Spotify PlaylistYouTube PlaylistSammich's Secret MixtapeSocial Media:Camp Counselors TikTokCamp Counselors InstagramCamp Counselors FacebookCamp Counselors TwitterSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

I got a hair transplant… let's talk about it.In this episode, Jonathan spills all the details about his recent FUE hair transplant. From the procedure and recovery, to the emotional support he found in a Guy Fieri shirt with flames on it... no but we are being for real. We're diving into what it's really like to get your hairline redone, the healing process, and what no one tells you about scalp surgery. But that's not all. As it turns out we have our own Real Housewives of New Jersey finale drama and it's all out on the table. Angry Canadian geese terrorizing a neighborhood, Patti LaBelle wants her Tupperware back from Elton John, and some thoughts on the bestselling thriller The Silent Patient... from an up and coming author?! It's a wild, chaotic ride—as always.Want BONUS CONTENT? Join our PATREON!Sponsors:➜ This episode is sponsored in-part by MeUndies. Get 20% off your first order, plus free shipping on orders of $75 or more, at MeUndies.com/counselors and use promo code: counselors➜ This episode is sponsored by Progressive Insurance. See if you can save on insurance at Progressive.comSources:➜ Kate Bueckert. “Ontario Students Terrorized by ‘angry' Nesting Canada Geese Can't Leave Their House.” CBC News, CBC/Radio Canada, 9 Apr. 2025.➜ Tom Skinner. “Patti Labelle Says Elton John Never Returned Her Tupperware: ‘It's Very Important to Me – I Don't Give It Out.'” NME, 8 Apr. 2025.Camp Songs:Spotify PlaylistYouTube PlaylistSammich's Secret MixtapeSocial Media:Camp Counselors TikTokCamp Counselors InstagramCamp Counselors FacebookCamp Counselors TwitterSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

This week we welcome the hilarious Mamrie Hart to Camp Counselors, and we cover it all! From being snubbed as a judge at the World's Ugliest Dog Competition to meeting her fiancé while working as a real-life summer camp counselor, Mamrie is bringing stories that are equal parts wild and freakin hilarious. We also dive into her iconic summer camp movie Camp Takota, and the time she went undercover on the show Bar Rescue. We're talking caviar slander, Zachariah's stressful car rental ordeal, the luxury of finding floating objects in your beverage, and so much more! Get your copy of Mamrie's cookbook All I Think About Is Food: allithinkaboutisfood.comAnd Listen to Mamrie's podcast with Grace Helbig "This Might Get Weird" wherever you listen to podcasts!Want BONUS CONTENT? Join our PATREON!Sponsors:➜ This episode is sponsored in-part by Boll & Branch Annual Spring Event. For a limited time get 20% off site-wide at bollandbranch.com/camp see site for details.➜ This episode is sponsored in-part by Liquid I.V. Go to Liquidiv.com and use code CAMP to get 20% off your first order.➜ This episode is sponsored by Progressive Insurance. See if you can save on insurance at Progressive.comSources:➜ Türkiye Today Newsroom. “‘Uncle Adem' Meets up with ‘Yaren Stork' for 14th Time.” Türkiye Today, 15 Mar. 2025.➜ Lori Dorn. “Accommodating Chicken Hatches and Raises an Abandoned Peacock as Her Own.” Laughing Squid, 10 Feb. 2025.Camp Songs:Spotify PlaylistYouTube PlaylistSammich's Secret MixtapeSocial Media:Camp Counselors TikTokCamp Counselors InstagramCamp Counselors FacebookCamp Counselors TwitterSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

This week we are diving into the wildest corners of the internet. From the Idiots of Facebook Marketplace group to niche communities like Theater Set Design, and the secretive upside-down-pineapple parents of Facebook. We unpack the bizarre true story of the infamous 1800s raining meat mystery in Bath County, Kentucky, yap about terrible tattoos, and the strangely wholesome Fish Doorbell from the Netherlands. Think that's it? No we somehow are STILL CHATTING. We spill the tea on seeing Sarah Snook in The Picture of Dorian Gray on Broadway, reminisce about Aly & AJ's cameo in The Sims 2, and the lasting impact of Mumford & Sons. It's a chaotic one.Get Merch: campcounselorspodcast.com/merchWant BONUS CONTENT? Join our PATREON!Sponsors:➜ This episode is sponsored by Progressive Insurance. Try it today at Progressive.comSources:➜ Ben Cost. “Sweet Treat-Loving Man Granted Dying Wish to Be Buried in a Snickers-Inspired Coffin: ‘Nuts.'” New York Post, 21 Mar. 2025.➜Marvin Bartlett. “Bath County Celebrates the Mysterious Meat Shower of 1876.” Fox 56 News Kentucky, 12 Mar. 2025.Camp Songs:Spotify PlaylistYouTube PlaylistSammich's Secret MixtapeSocial Media:Camp Counselors TikTokCamp Counselors InstagramCamp Counselors FacebookCamp Counselors TwitterSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

This week we are yapping about Zachariah's TikTok summit trip to LA, dioramas, teddy bears made out of cigarettes, an unlicensed dentist running a full-blown dental practice out of her basement, bouquet tosses, and more!Get Merch: campcounselorspodcast.com/merchWant BONUS CONTENT? Join our PATREON!Sponsors:➜ Go to PrettyLitter.com/camp to save 20% on your first order and get a free cat toy! (Terms and conditions apply. See site for details.)➜ This episode is sponsored by Progressive Insurance. Try it today at Progressive.com➜ Go to MeUndies.com/counselors and use code counselors to get 20% off your first order, plus free shipping on orders of $75 or more.➜ Go to liquidiv.com and use code CAMP at checkout to get 20% off your first order of Liquid I.V.Check out our website and submit your inquiries for advice, juicy gossip, confessions, and horror stories!Sources:➜ “Noida Man Turns Cigarette Butts into Teddy Bears in Viral Video, Sparking Mixed Reaction: Watch: - Times of India.” The Times of India, TOI.➜ Eyewitness News. “Long Island Woman Arrested, Accused of Working as Fake Dentist.” ABC7 New York, 17 Mar. 2025.Camp Songs:Spotify PlaylistYouTube PlaylistSammich's Secret MixtapeSocial Media:Camp Counselors TikTokCamp Counselors InstagramCamp Counselors FacebookCamp Counselors TwitterSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Grab your credit cards and act now—this deal won't last forever! This week, we're taking a nostalgic deep dive into the golden era of infomercials. From the Magic Bullet's chaotic breakfast parties to Cindy Crawford's Meaningful Beauty, we're reliving the most iconic TV sales pitches of all time. We also discuss the wonders of Wen Shampoo, the absolutely disgusting Ped Egg, the Topsy Turvy tomato planter, and the OG mineral makeup craze with BareMinerals. And, of course, no infomercial conversation is complete without the legendary daddy Billy Mays. But wait, there's more! Tune in now—operators are standing by.Get Merch: campcounselorspodcast.com/merchWant BONUS CONTENT? Join our PATREON! ➜ This episode is sponsored by ZocDoc. ➜ This episode is sponsored by Progressive Insurance. Try it today at Progressive.comCheck out our website and submit your inquiries for advice, juicy gossip, confessions, and horror stories!Sources:➜ Ben Hooper. “Watch: Vienna's Vegetable Orchestra Earns World Record by Playing with Food.” UPI, UPI, 5 Mar. 2025.➜ Ben Hooper. “Pokémon-Shaped Flamin' Hot Cheeto Sells for $87,840.” UPI, UPI, 6 Mar. 2025.➜ James Robson. “This Wild Ancient Version of Soccer Has Rules like ‘no Murder' and Is Still Being Played Today.” AP News, Aciated Press, 7 Mar. 2025.Camp Songs:Spotify PlaylistYouTube PlaylistSammich's Secret MixtapeSocial Media:Camp Counselors TikTokCamp Counselors InstagramCamp Counselors FacebookCamp Counselors Twitter See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Grab your credit cards and act now—this deal won't last forever! This week, we're taking a nostalgic deep dive into the golden era of infomercials. From the Magic Bullet's chaotic breakfast parties to Cindy Crawford's Meaningful Beauty, we're reliving the most iconic TV sales pitches of all time. We also discuss the wonders of Wen Shampoo, the absolutely disgusting Ped Egg, the Topsy Turvy tomato planter, and the OG mineral makeup craze with BareMinerals. And, of course, no infomercial conversation is complete without the legendary daddy Billy Mays. But wait, there's more! Tune in now—operators are standing by. Get Merch: campcounselorspodcast.com/merchWant BONUS CONTENT? Join our PATREON! ➜ This episode is sponsored by ZocDoc. ➜ This episode is sponsored by Progressive Insurance. Try it today at Progressive.com Check out our website and submit your inquiries for advice, juicy gossip, confessions, and horror stories! Sources:➜ Ben Hooper. “Watch: Vienna's Vegetable Orchestra Earns World Record by Playing with Food.” UPI, UPI, 5 Mar. 2025.➜ Ben Hooper. “Pokémon-Shaped Flamin' Hot Cheeto Sells for $87,840.” UPI, UPI, 6 Mar. 2025.➜ James Robson. “This Wild Ancient Version of Soccer Has Rules like ‘no Murder' and Is Still Being Played Today.” AP News, Aciated Press, 7 Mar. 2025. Camp Songs:Spotify PlaylistYouTube PlaylistSammich's Secret Mixtape Social Media:Camp Counselors TikTokCamp Counselors InstagramCamp Counselors FacebookCamp Counselors Twitter

This week, Get Merch: campcounselorspodcast.com/merchWant BONUS CONTENT? Join our PATREON! ➜ This episode is sponsored by Boll and Branch. ➜ This episode is sponsored by MeUndies. Get 20% off your first order, plus free shipping on orders of $75 or more, at MeUndies.com/counselors, enter promo code: counselors➜ This episode is sponsored by Progressive Insurance. Try it today at Progressive.com Check out our website and submit your inquiries for advice, juicy gossip, confessions, and horror stories! Sources:➜ Camp Songs:Spotify PlaylistYouTube PlaylistSammich's Secret Mixtape Social Media:Camp Counselors TikTokCamp Counselors InstagramCamp Counselors FacebookCamp Counselors Twitter

Register here for the live online event to learn about ‘Cleveland's Amazing Cash Flow Opportunities on Thursday, 3/20. Keith discusses the current state of the real estate market, highlighting that single-family rents have risen 41% since pre-pandemic times, while multi-family rents have increased by 26%. Single-family rents have been rising faster than prices for nine months, benefiting investors.  Austin, Texas, is an example of how increased supply can lower rents, as seen in their drop in rents after the city relaxed building regulations.  Real estate strategy expert, Phil, joins us and explains how this niche method can offer high leverage and cash flow. Show Notes: GetRichEducation.com/544 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching:GREmarketplace.com/Coach Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  You get paid first: Text FAMILY to 66866 Will you please leave a review for the show? I'd be grateful. Search “how to leave an Apple Podcasts review”  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— text ‘GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Automatically Transcribed With Otter.ai    Keith Weinhold  0:01   Welcome to GRE I'm your host. Keith Weinhold, build it and rents will fall. I discuss the direction of rents and prices. Then a real estate strategy for all time that can generate 8x leverage with investor cash flow and the exact city that could be the most advantageous for it today on get rich education.    since 2014 the powerful get rich education podcast has created more passive income for people than nearly any other show in the world. This show teaches you how to earn strong returns from passive real estate investing in the best markets without losing your time being a flipper or landlord. Show Host Keith Weinhold writes for both Forbes and Rich Dad advisors and delivers a new show every week since 2014 there's been millions of listener downloads of 188 world nations. He has a list show, guess who? Top Selling personal finance author Robert Kiyosaki, get rich education can be heard on every podcast platform, plus it has its own dedicated Apple and Android listener phone apps build wealth on the go with the get rich education podcast. Sign up now for the get rich education podcast, or visit get rich education.com   Corey Coates  1:13   You're listening to the show that has created more financial freedom than nearly any show in the world. This is get rich education.   Keith Weinhold  1:29   Welcome to GRE from elizabeth new jersey to Elizabeth, Colorado and across 188 nations worldwide. I'm Keith Weinhold, get rich education, founder, Forbes real estate council member, Best Selling Author and long time real estate investor, you are inside, get rich education. What's that all really mean? Ah, I'm just another slack jod and snaggletooth podcaster.nationally, rents for single family homes are growing faster than for multi family apartments. Okay, that you might have already known, because for a few years, we've been in this era where available single family rentals are scarce and apartments are closer to being adequately supplied across the nation. We're now at the point where median single family home rents are up 41% since those blissful and Halcyon pre pandemic days, and yet, multifam rents are up just 26% since that time. So it's 41 versus 26 and that's all according to a new report from Zillow. Now you probably listen to this show every week, so although that might be a helpful update, you probably don't find those facts surprising at all. But here's a more nascent trend that could surprise you. Every single month for the past nine months now, single family rents have risen faster than single family prices. Yeah, the John Burns home value index is up 3.3% annually, and the rent index shows that those rents are up 3.6% so 3.6 versus 3.3 really not a big gap there, but single family rents rising faster than prices for nine months. You know that's exactly what swings things into your favor as a real estate investor, it increases your ratio of rent income to purchase price. This has been happening because for someone that needs housing out there, paying rent has looked more affordable than buying a home. So then those things have to soon come back into balance. Now you remember that five months ago, I visited Austin, Texas, walked the streets and with all of the new building of apartment towers there, I called it America's oversupply, ground zero for apartments. Well, I'm not sure if you've noticed, but here, a few months later, major media sources are now reporting on the same thing that I was telling you about on the ground five months ago, and this is really insightful for real estate investors in a real world case study that will be on every intro to economics syllabus this fall, rents in Austin, Texas plunged. They fell 22% from their peak a couple years ago after the city accelerated permitting processes and scaled back the rules on building height, and this is exactly what created Austin's apartment supply surplus and therefore lower prices for renters. Bloomberg was the one recently reporting on this. So Austin's, if you build it, rents will fall mantra that created about 50,000 new units over just the past two years, a 14% increase. I mean, that is the biggest spike in supply of any US city. Over that time, just tons of cranes in the air. And by the way, the median asking rent in Austin, Texas is now $1,400 remarkably, though, that is down a full 400 bucks from the height of the pandemic. I mean, that is such an aberration That is so weird and rare. Yeah, Austin rents dropped from $1,800 down to $1,400 in in fact, that is so weird, and they've fallen so much that notoriously pricey Austin is no longer the most expensive city in Texas. It's now DFW. And you know, this is astounding on a few levels, because typically rents are even more stable than home prices. Gosh, but now to take off our investor hat for just a minute. Don't worry, we'll put it right back on. This is what society needs. I mean, how in the world are we the nation that put a man on the moon in 1969 yet we can't house our own people today. It's what I've discussed before. We need to build more. If you build it, rents will fall. If you build it, home, prices will become affordable. Again, we're not doing enough of that. Not enough places are following Austin's model. Up zoning, as I've told you before, up zoning. That's the name for allowing taller building heights. And you know what? That's something that both developers and environmentalists often like. Both types developers get what they want, and environmentalists know that housing and the economics of that are more efficient. There's less energy use in everything when we build up and we build apartments rather than single family homes, Austin relaxed regulations and they got it done. So congrats to them. I mean, that is a model for what we can do to address not only housing affordability, but the swelling homelessness problem like I enjoy talking about as well. So yeah, congrats, Austin, though you might have gotten too far ahead of your growth for the short term. America really needs the housing so thank you.    Now here's some ominous news for society and the economy. I wouldn't make too much of it yet, but the Atlanta Fed tracker has plunged. They're now forecasting a shrinking economy this quarter, minus one and a half percent. GDP is a projection which that gets us going down into recession territory, and part of the reason for that is this recent drag in consumption. But news like that can come and go, and we all know how frightfully just laughably bad recession predictions have been for years. We haven't had one in five years. So I want you to get the longer term lesson here, because things pop up like this over time. What usually happens to real estate in a recession? Because we know that there's going to be one. No one knows when. What happens is that unemployment rises. That is bad, home prices go up. Yes, home prices typically rise modestly in a recession. Just remember, since World War Two, home prices only fell significantly in one period, and it was a bad one in those years around 2008 what happens to interest rates? Interest rates of all kinds. In a recession, they fall. Interest rates fall. The Fed make sure that happens, and the reason for that is rates fall because the economy needs the help to review what you've learned so far today, single family rents are rising faster than apartment rents. Single Family rents are rising faster than single family home prices, although not by much. And Austin is proof that if you build it, prices will fall. And during recessions, residential real estate is a good place to be. Then let's say it's a widespread job loss recession as we pivot into the core content of today's show, you're probably quite familiar with the turnkey real estate investing model, where ideally on day one of your property ownership, your income property is either new or renovated. There's a tenant in it. It's under management, and you might even get a little trickle of tenant rent at the closing table. All right, but instead, what if you had six months of patience you own the property for those months through the renovation, and what's your reward for doing that? It is both high leverage and high cash. Flow, potentially, and usually those notions are antagonistic. High leverage means low cash flow and vice versa, but not with what we're talking about today, my expert guest and I discuss how you can have both the cash flow, which is like your spending money, and the leverage that constitutes your long term wealth growth, and he has bought, renovated and sold more than 2000 properties. And my guest and I go back more than 10 years before I go to break where you hear who sponsored the show this week, I have a trivia question for you, and you'll see what this has to do with our episode soon enough, Ohio has six cities with a population of 100,000 or more. Name them. Name those six Ohio cities. I'll give you your answer later. I'm Keith Weinhold. You're listening to get rich education.   You know what's crazy, your bank is getting rich off of you. The average savings account pays less than 1% it's like laughable. Meanwhile, if your money isn't making at least 4% you're losing to inflation. That's why I started putting my own money into the FFI liquidity fund. It's super simple. Your cash can pull in up to 8% returns, and it compounds. It's not some high risk gamble like digital or AI stock trading. It's pretty low risk because they've got a 10 plus year track record of paying investors on time in full every time. I mean, I wouldn't be talking about it if I wasn't invested myself. You can invest as little as 25k and you keep earning until you decide you want your money back, no weird lock ups or anything like that. So if you're like me and tired of your liquid funds just sitting there doing nothing, check it out. Text, family to 66866, to learn about freedom. Family investments, liquidity fund, again. Text family to 66866,    hey, you can get your mortgage loans at the same place where I get mine, at Ridge lending group NMLS, 42056, they provided our listeners with more loans than any provider in the entire nation, because they specialize in income properties, they help you build a long term plan for growing your real estate empire with leverage. You can start your pre qualification and chat with President Caeli Ridge personally. Start Now while it's on your mind at Ridge lendinggroup.com, that's Ridge lendinggroup.com.    Richard Duncan  12:46   This is Richard Duncan, publisher and macro watch, listen to get rich education with Keith Weinhold, and don't quit your Daydream.   Keith Weinhold  13:02   We were last graced with the presence of this week's guest about two and a half years ago. Since then, we had dinner together in Boston. He is a long time experience expert in the real estate BRRRR strategy will explain, and he knows just the exact few markets where the strategy really works and where it doesn't, and he explains how this can deeply accelerate your ROI and your portfolio growth and get this he's been a real estate investor since he bought his first rental property in 1978 he's been working the burst strategy and mentoring others on it since before there even was a burr acronym, brrr, he has mentored and coached more than 5000 investors. Oh, it's great, Phil, welcome back onto the show.   Phil Alexander  13:54   Keith. Thanks so much. It's such a pleasure to be here. It's always great to see you, and the time really flew from when we were able to break bread together in Boston, which is my hometown. And as I recall, we went to America's oldest restaurant, the union Oyster House, which was a fun experience   Keith Weinhold  14:14   right, where there are lobsters crawling all over the place. Yeah, that was a cool distinction to meet with you in America's oldest restaurant there in Boston. Pretty unforgettable. Phil, though you're from Boston, well, that's not really where the cash flowing numbers work so much you're an expert in the art of the BRRRR  the real estate, buy, rehab, rent, refinance and repeat strategy, and then we'll discuss the market that you say is number one in the USA for this so really high level, big picture. For those that don't know, what is the burr strategy? What makes it so compelling?   Phil Alexander  14:55   There are a lot of different ways Keith to discuss the burr. Strategy. It really is nothing more than a turnkey property. However, in the old days, I'll say, you know, I've been in the business for over two decades, we would sell turnkey properties, and a buyer or investor would come to us, and we'd show them a number of properties that were available. They'd pick one, we'd renovate it, and then they would have it inspected, and then we would correct against that ugly inspection report, and then they probably would be using leverage, so there'd be an appraisal, and then we'd put a qualified tenant in place. And after all that had happened, we would close on the property, and they'd be cash flowing from day one. There's nothing wrong with that approach and strategy. It's very conservative, but relative to the burst strategy, Keith The one big element that's missing in the classic turnkey model, there's no built in equity. And what the burst strategy does is it allows the investor to create value through that renovation, and it's nothing more really than a developer himself or herself does when they renovate the property to create value, and in doing so, you then wait a prescribed period of time, often called a seasoning period, and then you do a cash out refi to pull out that built in equity that you created yourself. And the idea then is to recycle that cash and buy into your next property.   Keith Weinhold  16:35   Why don't you give us a real example with some numbers?    Phil Alexander  16:40   Let's say you could find a place. Now, anybody in California is going to listen to this say this doesn't happen because you can't buy houses for this. But trust me, you can't. You buy a house for $60,000 you renovate it for $40,000 that means you have $100,000 invested in that property. However, you bought that house because you knew, once renovated, it was likely to be worth, let's say, conservatively, 120,000 and yet, when you go and do the cash out refi often at six months from the time you acquired the property in the first place, you're going to be able to pull out up to 75% of that appraised value. I'll do the math for you quickly. 75% of that $120,000 is $90,000 you only put 100,000 into the property in the first place. So at a glance, that suggests that you've gotten this property for $10,000 Well, to be fair, you do have closing costs. So let's say the closing costs and the finance fees on that cash out refi loan are about $5,000 so in essence, for $15,000 you now own a property worth 120,000 now an illustration of the value of this BRRRR strategy is if you were to go and buy that very same house, 420,000 renovated, tenanted, cash flowing, it would cost you 20% down, which would be $24,000 plus finance fees and closing costs would push it to or over $30,000 here's the bottom line. Would you rather get it so it's cash flowing from day one after closing, no built in equity and 30 or $32,000 out of pocket? Or would you rather get it where you only have 15,000 out of pocket? And I can do the math on that and tell you that you're more than doubling your cash on cash return with the BRRRR strategy   Keith Weinhold  19:07    yes, and you've also increased your leverage ratio in the example that you gave after waiting six months, much of which includes waiting for that rehab to take place, you have A 120k property. Like you said, you only have 10k into it. Maybe add five more K to that for closing costs and such. So you've got 15k into a 120k property. That is an eight to one leverage ratio,   Phil Alexander  19:33   exactly. And there are numerous other examples, typically speaking, Keith in good investor advantaged markets with the burst strategy. You can expect after leverage, after that, cash out refinance loan to be netted in the range of 200 to $250 per month cash flow. That's the rental property the. Less all of the direct expenses, less your monthly payment on the loan. Your net positive cash flow every month is between 202 150 in most good markets,   Keith Weinhold  20:13   that is really good on a single family home, because typically when you have a higher leverage ratio, when you're borrowing more, that really crunches your cash flow. But in this terrific example that you gave, it does not So Phil to help distinguish the burr strategy from an investor buying a turnkey property. To make that distinction, I think of the turnkey provider is really already doing the first three letters of the BRRRR acronym for you, because the turnkey company, they buy it, they rehab it, and they rent it before selling it to you. They're doing the first three for you here, when you hang around for all five letters of the acronym, you can be the beneficiary of what you just described.    Phil Alexander  20:58   Spot on, Keith, that's exactly right. The bottom line is, I think a game changer for our company of late is that we have found a market where you could earn two to three times the net positive cash flow on a monthly basis with the BRRRR strategy.    Keith Weinhold  21:19   Yes, we're going to get into just where that market is, the number one market in the USA for the burr strategy, in Phil's opinion. But Phil, I think before some people wrap their head around the BRRRR strategy, sometimes they consider the investor doing this themselves. What's intimidating about doing BRRRR by yourself is that first R in the burr strategy, the rehab, it seems like a nightmare, especially across state lines for an investor to find and retain and to manage contractors, but you have a system where this is all integrated.   Phil Alexander  21:57   exactly, you Know, Keith, I consider the two biggest pain points for an early investor is actually that first letter the B. You can buy properties anywhere, but the trick and the key is to buy a property that you know, with proper renovation of a rental standard, in fact, will be worth, generally, 20 to 30% more than your out of pocket cost. The second pain point is the construction component, finding a contractor, managing a contractor, keeping the contractor on the job and productive and not running away with your money.   Keith Weinhold  22:44   We make you lose faith in humanity. Yeah,   Phil Alexander  22:48   yeah. We don't really even need to go into detail more on that, but you're absolutely right, and what we do, which I think has made a significant difference, we have our own crews. We're able to have the projects managed. We have detailed scopes of work, for example, that detail line by line, item by item, the scope of work and the draw schedule to renovate a property and deliver it on time, on budget, without exception,   Keith Weinhold  23:21   tell us about the track record of the team in the contractors. I think most people's bad experience starts with day one, when the contractor shows up 45 minutes late with beer on their breath.   Phil Alexander  23:35   It could be, it could be, I am blessed. Currently, I'm active in three markets, although during my career, I've worked in 19 different markets around the country, not become fickle, but because markets do come and go. But I'm in Baltimore and Philadelphia and Cleveland right now, and the bottom line is that I have cruise boots on the ground in every market, and my one general contractor that oversees all three markets, he's been with me for over 15 years. As you mentioned earlier, I've been in the business for over two decades. We've just been doing this, like you said, since before there was an acronym to what we were doing. It's just a sensible thing to do. We know each other well. We get the scope of work done accordingly. That's something that we, with pride, say is a guaranteed number, which you don't often find in this business. Meaning if we have not gotten it right, if we have screwed it up, if we find something that we missed when we were, you know, reviewing the house and drawing together the scope of work, that's not the client's problem. That's our problem. If we say the rehab is 50,000 the rehab is 50,000 period there is no cost overrun.   Keith Weinhold  24:58   We don't want. Contractors smelling like Michelob Ultra we want contractors smelling like sawdust and WD 40. But Phil, you talked about the specific markets that you work in because they're burr advantage markets, Cleveland, Philadelphia and Baltimore. Tell us about the one that is number one in the nation right now, and why   Phil Alexander  25:21   Cleveland, Ohio. And it's not because my dad was from Cleveland. When we were kids, we all played I haven't met one person who hasn't on a seesaw, if you recall, you know, and now in your mind's eye, imagine the seesaw. One end is home prices and the other end is annual return. When the home prices are high, the returns are low. When the home prices are lower, the returns are higher. That's why, sadly, for virtually everybody on the West Coast, my hometown of Boston, New York, Washington, DC, South Florida. These are amongst, to put it bluntly, the worst markets in the country to try and cash flow positive. What makes Cleveland, however, especially unique. I'm oversimplifying, perhaps, but it is blessed to have both lower home prices than most markets, but very healthy real world rents, and that's a juxtaposition that causes extreme cash flows. I think at the current moment, I might have one property that doesn't cash flow 500 or more dollars per month, net positive cash flow, as we were discussing, 200 to 250 is normal for a good market, even in my other markets of Baltimore and Philadelphia. But you come to a market like Cleveland, and it's absolutely extraordinary. This is a perfect segue, if you'll allow me to the thing that makes us and me different. There's a billionaire car dealer by the name of herb chambers in Boston. In fact, he just sold, I understand his business for $1.58 billion massive car dealer. That's not important. What is important is his whole marketing mantra, Keith, is I don't sell you cars. I help you acquire your next vehicle. I don't just sell investors houses, Keith, I have taken an approach, and I've been doing this for a number of years, where I help investors achieve their goals. I have a very specific process, and I'd be happy to share, if you'll allow me, yeah, I first ask people about their war chest. To me, that's the amount of liquid capital they have to invest when they're ready to pull the trigger. It's not just cash in the bank. It can be equity in a home that they can pull out with a home equity line of credit, a HELOC, maybe they have a retirement account that they're able to borrow against. It's their money, after all, but that amount of cash is your war chest, and frankly, I'm not one of those people who says, You can buy real estate with no money, if you have maybe $30,000 or more, I can get you in the game. The second question I ask is, what's your goal? Because every one of us in this business has a goal. Every one of us, I don't need to know the specific goal. But whether it's to have your partner give up the nine to five job, or you want to give up the 90 to five job yourself, every goal has a cost. So what I seek to find out or learn is, what is your number in terms of a goal, how many 1000s of dollars of passive income every month are you looking to achieve? And then the last question is, time frame? Are you looking to achieve that goal in? What three years, five years, 10 years. And then, simply put, whatever the answers are, I show you how it's going to happen.   Keith Weinhold  29:18    See, these are the types of questions that your everyday realtor just doesn't ask you. I mean, Phil doesn't just sell you houses. He helps you achieve your stated goals for passive income. There's nothing wrong with an everyday realtor, but that's just not the lane that 98% of them are in. And what makes this burr strategy so compelling? I'm just doing calculations, not even on the back of a napkin, but in my head here, if you've got eight to one leverage, like we do in the example here, even if you have 3% annual appreciation on a property, that's a 24% return on the 15k of skin in the game that you have here. And then additionally, if you achieve $500 Dollars of monthly cash flow once your burr property is done, that's $6,000 a year divided by only 15k of skin in the game. That's a 40 or 40% cash on cash return in addition to the leverage depreciation that stepped up. And these are two of only five ways you're paid. This is why people love the burr strategy, if you've got the patience to wait six months,   Phil Alexander  30:25   here's the other thing too. A lot of people say, Is it possible to cash out earlier? And the answer actually is yes, but you have to be prepared to decide what's that worth to you. Meaning, if you wait six months, you can expect 75% of the appraised value. However, I have some lenders that I can introduce that will do a DSCR loan, debt service coverage ratio loan, which is against the cash flow capability of the house rather than the credit worthiness of the borrower, and they'll do it at three months, and yet it'll be at 65% perhaps of the appraised value, a lower loan to value or LTV. But still, it's a cool way to roll plain and simple.    Keith Weinhold  31:18   Yes, so Phil, here, he offers you total solutions. It's not just helping you with the Property selection, it's renovation by his license, then insured crews, introductions to the financing needs that you might have hash out, refinance introductions and that all important professional property management, unless you choose to manage the property yourself. And Phil, I want to ask you more about Cleveland and just the neighborhoods that you're selecting in a moment, but I've got great news here. You get to join Phil live. He and a GRE investment coach are co hosting Cleveland's amazing cash flow opportunity with the burr strategy, and you can join from the comfort of your own home. It is just 10 days from today, Thursday, March 20, at 8pm Eastern. Registration is open now at GRE webinars.com I suggest you register. We had hundreds of registrants for our last BRRRR event, which was last year. But Phil, tell us more about what you'll let us know on that webinar when it comes to Cleveland areas and neighborhoods.   Phil Alexander  32:26   Sure thing Keith, Cleveland's a pretty dynamic and interesting town. Of course, most people know it's the home of the rock and roll, Hall of Cleveland rocks and Exactly. And there are so many things about Cleveland that I think are really kind of cool to get to know. First of all, we talk or you mentioned appreciation, home price appreciation in Cleveland last year, 7% Yeah, crazy, absolutely crazy. The cost of living is well below the national average, it's at 6% below. Now here's the interesting thing, too, the rent to own ratio of people who rent versus own, very strong 59% rent. And of course, if you're a landlord, what does that mean? It means a greater opportunity to have qualified tenants in place with very low vacancy periods regardless. Now the average rent is $1,433 a month, which, again, when you're talking about properties, the average price of which, even with the renovation, is between 100 and 130,000 let's say 14 133 is even ahead of that cool little metric that we sometimes call the 1% rule, where the rent is at or above 1% of the value of The property. It's a small city only about 360,000 people the metro area, of course, a bit larger, at 1.7 million. And there are a number of top employers, and you know, the Cleveland Clinic, obviously well known Progressive Insurance. Love their ads. Sherwin Williams, you think about that the next time you want to go paint, but it's as to where we're investing principally we target Keith. What often are called C and C plus neighborhoods this week, yeah, often on the eastern, southeastern side of the downtown. Of course, to the north, you've got Lake Erie, so you don't want to get wet, so that you stay east, west or south. And yet, there are a number of places, maybe areas, if you're familiar with Cleveland, like Shaker Heights, Maple Heights, Brooklyn Heights, Cleveland. Heights, University Heights, all of these areas are considered suburbs with high taxes, uniquely so we tend to stay away from those, but in close proximity, we're all around them, and we benefit in terms of appreciation by being all around them, but not being in them, because you don't achieve any higher rent in those suburbs, but you do have the higher taxes, and in that respect, we're able to enjoy these outsized returns.    Keith Weinhold  35:37   This is a rare opportunity for you to meet Phil, someone with this wealth of experience. And of course, the benefit of showing up live, if you so choose, is you can ask a question yourself and have it answered. Phil, do you have any last thoughts overall with anything, whether that's the burr strategy or Cleveland itself, or anything else?   Phil Alexander  36:00    First of all, a lot of people ask me, Keith, you know, with rates mortgages and this and that, what do you think I heard? Maybe they're going to go down in the spring or the summer? Should I wait? The answer is no, the best time to invest is yesterday, and you will always be able, in a market like Cleveland, for example, to enjoy strong, positive cash flow. And you know something, as I said before, I've worked in 19 different markets. As soon as Cleveland stops being such a cash cow, I guess I'll have to move on and find the next great thing. But until then, I'm in Cleveland.    Keith Weinhold  36:40   It is supply demand. Our listeners know, as I've shared with them, that the Northeast in the Midwest are under built markets. So you have the opportunity to own an asset that everyone is going to want in the future. It ought to be great. Phil, it should be terrific 10 days from now. Thanks so much for coming on to the show.   Phil Alexander  37:01    It's my extreme pleasure, Keith, I have to say, in all the years that I've known you and known your listeners, they are easily amongst the best educated and most serious investors I have the pleasure to deal with. So it's always a pleasure to come back and thank you for having me.    Keith Weinhold  37:19   That's really kind. Thanks for saying that.   Yeah, excellent. BRRRR. Breakdown from Phil the consummate expert. In fact, when we had dinner at America's oldest restaurant, we sat just across from JFK, his favorite booth. He used to dine there. He was also a Bostonian. Of course, which six Ohio cities have a population of more than 100,000 people? They are Akron, Cincinnati, then, of course, the subject of today's show and our upcoming live event, Cleveland. Also Columbus, Dayton and Toledo of all 50 states, Ohio has tons of industry diversity. They had the nation's seventh largest population, and Ohio's population is slowly growing. A number of GRE buyers, just like you, have already connected with our investment coaching, so therefore you got the introduction to Phil and have already bought BRRRR through Phil, including in Cleveland, but he is sourcing more of them for this event. Phil and I looked at some Cleveland single family rental pro formas together that utilized the burr strategy that cash flow over $600 even two properties that cash flow over $700 but I would say those results are not typical. The ARVs after repair values have been pretty good. What Phil does is he runs comps of properties within a quarter mile before the appraisal. And you know, to give you a little behind the scenes. He bought the same software that lenders use to run valuation reports. So he has it himself. Phil has shown me proformas where you get cash back at closing, and therefore what that means are infinite returns. Though that's not an expectation that you should have, though it's nice when it happens, people are often buying two or three properties at a time. And to give you a little more, behind the scenes, Phil has his own in house wholesale unit for helping source these properties. And for every 100 properties, he buys two to five of them, Cleveland rocks. But even if you're more into rep, it's completely free to sign up for our webinar. You'll learn the nuances of what makes the burr strategy so lucrative, what makes Cleveland advantageous, and have any of your questions answered. It's coming up next week, already, March 20, at 8pm Eastern. I mean, this is the kind of event that can alter the trajectory of your entire investor life. Sign up is open. Save your spot now at GRE webinars.com that's GRE webinars.com until next week. I'm your host. Keith Weinhold, don't quit your Daydream.   Speaker 1  40:20   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. You   Keith Weinhold  40:48   The preceding program was brought to you by your home for wealth, building, getricheducation.com  

This week, we're joined by the hilariously haunted Roz Hernandez for a supernatural good time! We chat all things ghosts, gay cruises, bad communicators, Judy Garland, and more! Plus, Roz weighs in on the ever-divisive screentime discourse. Get Merch: campcounselorspodcast.com/merchSTRIP MALL TEASE TOUR TICKETS: https://linktr.ee/zzzachariahWant BONUS CONTENT? Join our PATREON! ➜ This episode is sponsored by Factor. Get started at FactorMeals.com/FactorPodcast and use code FACTORPODCAST to get 50% off your first box plus free shipping. ➜ This episode is sponsored by MeUndies. Get 20% off your first order, plus free shipping on orders of $75 or more, at MeUndies.com/counselors, enter promo code: counselors➜ This episode is sponsored by Progressive Insurance. Try it today at Progressive.com Check out our website and submit your inquiries for advice, juicy gossip, confessions, and horror stories! Sources:➜ Dawn Sawyer. “‘Cake Bandit' Opossum Hospitalized after Indulging in an Entire Costco Cake.” CNN, Cable News Network, 16 Feb. 2025.➜ Jack Guy & Lisa Klaassen. “Thieves Bought a Winning Lottery Ticket with a Stolen Credit Card. Its Owner Has Offered to Split the Jackpot.” CNN, Cable News Network, 25 Feb. 2025. Camp Songs:Spotify PlaylistYouTube PlaylistSammich's Secret Mixtape Social Media:Camp Counselors TikTokCamp Counselors InstagramCamp Counselors FacebookCamp Counselors Twitter

Campers, gather ‘round—we've unearthed a true relic! While digging around Camp Shady Birch, we stumbled upon a long-lost time capsule: a cassette tape buried inside a shoebox. And what was on it? This very episode (original air date: June 28, 2023) Take a trip back in time with us as we revisit our thoughts on childhood Field Days (and those infamous participation awards), Zachariah's Cruel Intentions obsession, the wild tale of seven Persian cats inheriting a mansion, and our mutual disdain for generic birthday gifts. Plus, plenty more nostalgic nonsense that only the Camp Counselors (and Sammich) could bring you. Press play and let's rewind! Get Merch: campcounselorspodcast.com/merchWant BONUS CONTENT? Join our PATREON! ➜ This episode is sponsored by Progressive Insurance. See if you can save on car insurance at progressive.com Check out our website and submit your inquiries for advice, juicy gossip, confessions, and horror stories! Sources:➜ “Make Way for Memphis's Penthouse Ducklings.” BostonGlobe, 27 Oct. 2022.➜ Natalie O'Neill. “Florida Woman Leaves $2.5m Mansion and Inheritance - to 7 Cats.” New York Post, 21 June 2023. Camp Songs:Spotify PlaylistYouTube PlaylistSammich's Secret Mixtape Social Media:Camp Counselors TikTokCamp Counselors InstagramCamp Counselors FacebookCamp Counselors Twitter

Welcome to an all-new Carolina Reeper show! This episode is going to be like Parent Shaming at a Sesame Street Birthday Party while the planet Saturn circles the Celestial Night Sky at a Sonic Award Show!Did you watch the Grammys? Me neither, but we've got some highlights & lowlights to discuss.Did you see Saturn next to the moon the other night? Did you see the rings?Did you know Elmo had a birthday? How old is he?How was your Groundhog Day? We'll get into all of that...Plus, why does Dr. Rick from the Progressive Insurance commercials make me so mad? And a question for you: Are you turning into one of your parents? If so which one?Have you got your tickets yet for my comedy special filming on Saturday, February 8th in Morganton, NC? Click here!All this and more on this episode of the Carolina Reeper show!Jon Reep Social Media: Facebook Twitter Instagram TiktokFor gifts and more in the Hickory, NC area check out Goodwill Northwest NC! Go try the Jon Un-REEP-eatable Burger at the Hickory Social House!Get you a Honda and a Hotdog at Hendrick Honda of Hickory!Buy South in Ya Mouth BBQ Sauce here!Download and Listen to the CAROLINA REEPER with Jon Reep Podcast hereVisit the MERCH shop here!See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Grab your passports because we are leaving camp and going international! We're trading in the birch for a maple, pounding poutine, and trekking through the snow of Toronto. In this episode, we are talking about our time in CANADA! Get Merch on Jan 12, 2025: campcounselorspodcast.com/merchSTRIP MALL TEASE TOUR TICKETS: https://linktr.ee/zzzachariahWant BONUS CONTENT? Join our PATREON! ➜ This episode is sponsored by Apostrophe. Get your first visit for only five dollars at Apostrophe.com/COUNSELORS when you use our code: counselors ➜ This episode is sponsored by Pretty Litter. Go to PrettyLitter.com/camp to save 20% on your first order and get a free cat toy.➜ This episode is sponsored by Progressive Insurance. See if you can save at Progressive.com Check out our website and submit your inquiries for advice, juicy gossip, confessions, and horror stories! Sources:➜ Kaylee Lindenmuth, McKenzie Jarrell. “Hershey Bears Break 100,000 in Teddy Bear Toss Sunday; over 500K Collected All-Time.” ABC27, ABC27, 6 Jan. 2025.➜ Brittany Loggins. “And Just like That, Carrie Bradshaw's Front Stoop Was Closed.” The New York Times, The New York Times, 14 Jan. 2025. Camp Songs:Spotify PlaylistYouTube PlaylistSammich's Secret Mixtape Social Media:Camp Counselors TikTokCamp Counselors InstagramCamp Counselors FacebookCamp Counselors Twitter

In this episode, we are talking about Counselor Jonathan's visit to the DMV, Steven Tyler's toes, men committing insurance fraud in a bear suit, Camp Counselors emojis, finstas, and so much more! Get Merch on Jan 12, 2025: campcounselorspodcast.com/merchSTRIP MALL TEASE TOUR TICKETS: https://linktr.ee/zzzachariahWant BONUS CONTENT? Join our PATREON! ➜ This episode is sponsored by MeUndies. Get 20% off your first order, plus free shipping, at MeUndies.com/counselors and use promo code: counselors➜ This episode is sponsored by Thrive Market. Go to ThriveMarket.com/camp and get 30% off your first order, plus a free $60 gift.➜ This episode is sponsored by Zocdoc. Go to Zocdoc.com/CAMP to find and instantly book a top-rated doctor today.➜ This episode is sponsored by Progressive Insurance. See if you can save at Progressive.com Check out our website and submit your inquiries for advice, juicy gossip, confessions, and horror stories! Sources:➜ Jessica Murray. “Mystery of Bananas on Nottinghamshire Road Has Residents A-Peeling for Answers.” The Guardian, Guardian News and Media, 6 Jan. 2025.➜ Annie Correal. “Human in Bear Suit Was Used to Defraud Insurance Companies, Officials Say.” The New York Times, The New York Times, 14 Nov. 2024. Camp Songs:Spotify PlaylistYouTube PlaylistSammich's Secret Mixtape Social Media:Camp Counselors TikTokCamp Counselors InstagramCamp Counselors FacebookCamp Counselors Twitter

SERIOUSLY! YOU NEED IT! Liz Astrof shares a wild story about why she needed brain surgery! PLUS: Heather and Liz trade notes on surgeons who prey upon insecure patients, why makeup is different in Europe, tweezing on the freeway, burning your face from red light masks, the aging process of Kenny Loggins, why Ozempic might be mandatory in the future, Liz's tortuous colon, taste testing your kids ADHD meds, and why TV networks want shows that are NOT funny! Let's Talk is sponsored by Progressive Insurance! Visit Progressive.com to see if you could save on car insurance!

When night manager Rodney Castin is gunned down in the lobby of his hotel three weeks before Christmas, detectives scour Georgia for his killer; two decades pass before an informant's shocking testimony breaks the case wide open.Check out our amazing sponsors!This episode is brought to you by BetterHelp! Visit BetterHelp.com/COLDCASE to get 10% off your first month.CookUnity - Go to CookUnity.com/COLDX or enter code COLD before checkout for 50% off your first week.HERS - Start your initial free online visit today at ForHers.com/COLDCASE This episode is sponsored by Progressive Insurance!

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