Podcasts about Rhode Island

Content Warning: This episode contains discussion of a recent school shooting involving children, including descriptions of trauma, autopsy procedures, and emotional reactions. Listener discretion is advised. In this episode, Dr. Priya Banerjee and Sheryl McCollum respond to the devastating school shooting in Minneapolis that claimed the lives of two young students and injured many others. Speaking as both a forensic pathologist and a mother, Dr. Priya walks through the real-time impact of mass shootings, from the chaos at the scene to the procedures carried out in the morgue. She explains how that space becomes a place of both science and sorrow, and why every wound, detail, and decision plays a role in honoring the victims and supporting their families. Highlights (0:00) Sheryl McCollum and Dr. Priya open the episode with initial reactions to the Minneapolis school shooting (1:30) Dr. Priya reflects on the events of that day through the eyes of both a mother and a doctor (4:00) Chaos, triage, and the painful task of confirming a child's identity (7:00) Why autopsies matter, even when there's no case to prosecute (8:00) Supporting survivors while documenting a chaotic, still-active crime scene (9:30) How emergency contact forms and school records aid in identifying victims (10:45) The external exam: wounds, measurements, and heartbreaking details (12:45) Photographing and documenting every wound in detail (14:15) Motherhood and the job: how parenting reshaped their work, their lens, and their limits (18:45) Sheryl and Dr. Priya close the episode with final thoughts on responsibility and resilience About the Hosts Dr. Priya Banerjee is a board-certified forensic pathologist with extensive experience in death investigation, clinical forensics, and courtroom testimony. A graduate of Johns Hopkins, she served for over a decade as Rhode Island’s state medical examiner and now runs a private forensic pathology practice. Her work includes military deaths, NSA cases, and high-profile investigations. Dr. Priya has also been featured as a forensic expert on platforms such as CrimeOnline and Crime Stories with Nancy Grace. She is a dedicated educator, animal lover, and proud mom. Website: anchorforensicpathology.comTwitter/X: @Autopsy_MD Sheryl McCollum is an Emmy Award–winning CSI, a writer for CrimeOnline, and the Forensic and Crime Scene Expert for Crime Stories with Nancy Grace. She works as a CSI for a metro Atlanta Police Department and is the co-author of the textbook Cold Case: Pathways to Justice. Sheryl is also the founder and director of the Cold Case Investigative Research Institute (CCIRI), a nationally recognized nonprofit that brings together universities, law enforcement, and experts to help solve unsolved homicides, missing persons cases, and kidnappings. Email: coldcase2004@gmail.comTwitter/X: @ColdCaseTipsFacebook: @sheryl.mccollumInstagram: @officialzone7podcast

What if we embraced neurodivergent ways of being not as deviations to be corrected but as vital ways of inhabiting the world? What new realities might emerge? Bringing a much-needed humanistic perspective to the study of autism and other forms of neurodivergence, Counter-Cartographies: Neurodivergence and the Errancies of Performance (U Minnesota Press, 2025) offers a bold reimagining of neurological difference, moving beyond rigid diagnostic frameworks to uncover more expansive, generative modes of existence. Engaging the work of Fernand Deligny to trace how modern taxonomies of neurodivergence have hardened over time, Leon J. Hilton questions how these categories might instead serve as tools for remapping the world with neurodivergence at its center. At the heart of Counter-Cartographies is an exploration of performance and performativity that reveals how the norm of neurotypical reality is continually reinforced through acts of doing, redoing, and undoing. Charting the historical shift away from “mind” and toward “brain” and moving fluidly across disciplines—from digital art and documentary cinema to cybernetics and radical mental health movements—Hilton illuminates the deep interconnections between performance, perception, and the historical construction of the “neurotypical.” Through close readings of works by William Pope.L, Mel Baggs, Wu Tsang, and others, Hilton also examines how neurodivergence has been represented, embodied, and materialized in contemporary art and media. Restless, engrossing, and persistently attuned to moments of rupture when the neurotypical order falters, Counter-cartographies charts a path toward a more capacious, imaginative world. Leon J. Hilton is assistant professor of theatre arts and performance studies and co-convener of the Disability Studies Working Group at Brown University. He is a member of the editorial collective of the journal Social Text and on the advisory board of Spectrum Theatre Ensemble, a neurodiverse theatre company based in Providence, Rhode Island. Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://newbooksnetwork.supportingcast.fm/new-books-network

What if we embraced neurodivergent ways of being not as deviations to be corrected but as vital ways of inhabiting the world? What new realities might emerge? Bringing a much-needed humanistic perspective to the study of autism and other forms of neurodivergence, Counter-Cartographies: Neurodivergence and the Errancies of Performance (U Minnesota Press, 2025) offers a bold reimagining of neurological difference, moving beyond rigid diagnostic frameworks to uncover more expansive, generative modes of existence. Engaging the work of Fernand Deligny to trace how modern taxonomies of neurodivergence have hardened over time, Leon J. Hilton questions how these categories might instead serve as tools for remapping the world with neurodivergence at its center. At the heart of Counter-Cartographies is an exploration of performance and performativity that reveals how the norm of neurotypical reality is continually reinforced through acts of doing, redoing, and undoing. Charting the historical shift away from “mind” and toward “brain” and moving fluidly across disciplines—from digital art and documentary cinema to cybernetics and radical mental health movements—Hilton illuminates the deep interconnections between performance, perception, and the historical construction of the “neurotypical.” Through close readings of works by William Pope.L, Mel Baggs, Wu Tsang, and others, Hilton also examines how neurodivergence has been represented, embodied, and materialized in contemporary art and media. Restless, engrossing, and persistently attuned to moments of rupture when the neurotypical order falters, Counter-cartographies charts a path toward a more capacious, imaginative world. Leon J. Hilton is assistant professor of theatre arts and performance studies and co-convener of the Disability Studies Working Group at Brown University. He is a member of the editorial collective of the journal Social Text and on the advisory board of Spectrum Theatre Ensemble, a neurodiverse theatre company based in Providence, Rhode Island. Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://newbooksnetwork.supportingcast.fm/performing-arts

Warwick Life host Scott Nerney talks with Sara DelSesto from Project Sweet Peas.Hear about all the work Sara and her team do to help families with NICU babies and how they help with the emotional toll these events bring to a family. Also hear about their upcoming fundraiser and how youcan be a part of something special for the community.  Find Project Sweet Peas on Facebook @ ProjectSweetPeas https://www.projectsweetpeas.com/Warwick Life highlights what's special in Warwick, Rhode Island and helps listeners get the most from this seaside community. Warwick Life is produced by Scott Nerney Write to warwicklife@gmail.com

It's Friday! On Today's Morning Show, Jen and Diener discuss a variety of topics including this woman from Rhode Island that got a taste of reality, robot rabbits in the Everglades, and a full weekend of college football! All the details on those stories and much more as we head into the long Labor Day weekend. See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

In this juicy bonus Q&A episode, we kick things off with banter about East Coast Italian-American pride, Bradshaw's first Italian adventure, and our surprising discovery of supri- Rhode Island's beloved cured pork specialty. Then we dive into listener questions: the nitty-gritty of sequencing requirements and what to do when a distracting moaner in class sparks complaints. We explore how sequencing rules can feel limiting but also inspire creativity, and how one moaner story sends Giana spiraling into a tangent about a farter—navigating complaints, boundaries, and those unavoidable uncomfortable conversations.SEND YOUR QUESTIONS TO: CAYAYOGASCHOOL@GMAIL.COM

Send us a textBill Bartholomew offers analysis of the Trump administration's "stop work order" for the Revolution Wind offshore wind farm, a project adjacent to Rhode Island waters that is some 80% complete and is propelled by a Rhode Island workforce.He welcomes Senator Sheldon Whitehouse and, separately, Congressman Gabe Amo for their takes. Support the show

We're going back more than two decades to an iconic 2002 news story that took place on a beach in Portsmouth. 12 News's Sean Daly reported on a couple who said they saw a sea monster, in an epic video segment known as “Mother, Mother Ocean.” Now, Frog and Toad -- a Providence gift store -- has immortalized that story with a new T-shirt and poster. Daly and Frog & Toad co-owner Asher Schofield join host Edward Fitzpatrick to talk about this piece of Rhode Island lore. Tips and ideas? Email us at rinews@globe.com.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

This week we talk our next Vacation destination, while discussing our most recent trip to PVD. Going our at our age in certain places. How bills should be split during dinners. We also bring you Astrology Circle "virgo: season, Some Real Housewives tea and much more Give it a stream and remember to follow/like/share/subscribe/rate everything Theinn3rcirclepodcast.Follow us on Tik Tok & IG:Theinn3rcirclepodcast

Adrian Hall  born in Van,  Texas on December 3, 1927 was an American theater director. His directing style has been described as "bold" and his work was considered part of the first and second generation of the regional theater movement of the 1960s and late 1980s. He was the founding Artistic Director of the Trinity Repertory Company in Providence, Rhode Island and in residence from 1963 to 1989, and the Artistic Director of the Dallas Theater Center  from 1983 to 1989. Randy Moore is a founding member of Paul Baker's , Dallas Theatre Center and was in residence from 1961 to 1994. From 1995 to 2012, he migrated to the Denver Center Theatre. He has performed with Denver's Curious Theatre Company, the Alley, the Old Globe, and the Colorado Shakespeare Festival.Today, Randy joins us to discuss the life and work of Adrian Hall and the Dallas Theatre Center.  

This week on Newsmakers: Tim White and Ted Nesi are joined by 12 News political analyst Joe Fleming and political strategist Cara Cromwell to examine the outlook for Rhode Island's 2026 primary election one year out.

Campbell head football coach Braxton Harris and head women's soccer coach Jeff Gross are the featured guests on the first Camel Call Live of the season. Then we take a closer look at the 2025 football roster and preview the season opener at No. 9-ranked Rhode Island with Coach Harris. We examine the undefeated start for women's soccer while looking ahead to Campbell's three-match home stand. Camel Call Live is recorded live at Napper Tandy's in downtown Angier.

Note: "Act 1" was a separate published audio podcast.*Get a FREE 7 day trial to Patreon to "try it out."*Watch the show live, daily at 8AM EST on Twitch! Please click here to follow the page.Email the show on the Shoreliners Striping inbox: eric@ericzaneshow.comTopics:*Madison and Ash fly the coop.*EZ is reminded of "The Dirty Donut's 9/11."*Poverty wrestler, "Psydo Stu" is raking in the cash after getting beaten by Raja Jackson.*Loud-mouth, know-it-all Assistant AG in Rhode Island is paying the price for idiocy.*Cracker Barrel flips! Old logo returning. MAGA pussies rejoice!*Asshole of the DaySponsors:Catholic Charities West Michigan, Oakland Auto Detail,, Adam Casari Realty, Impact Power Sports, Frank Fuss / My Policy Shop Insurance, Kings Room Barbershop, The Mario Flores Lakeshore Team of VanDyk Mortgage, Shoreliners Striping, Ervines Auto Repair Grand Rapids Hybrid & EV, TC PaintballInterested in advertising? Email eric@ericzaneshow.com and let me design a marketing plan for you.Contact: Shoreliners Striping inbox eric@ericzaneshow.comDiscord LinkEZSP TikTokSubscribe to my YouTube channelHire me on Cameo!Tshirts available herePlease subscribe, rate & write a review on Apple Podcastspatreon.com/ericzaneInstagram: ericzaneshowTwitterSupport this podcast at — https://redcircle.com/the-eric-zane-show-podcast/donationsAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

Tiff and Kristy discuss the ongoing challenges of hiring, including how incentives and mentalities have shifted over the past five years — and what you, as someone hiring, can do about it. Part of the discussion includes the pros and cons of how to pay team members. Episode resources: Subscribe to The Dental A-Team podcast Schedule a Practice Assessment Leave us a review Transcript: The Dental A Team (00:02) Hello, Dental A Team listeners. We are back today. I have Ms. Kristy again with me and we are just having a good old time over here recording ⁓ Love and Life and getting our time in together. I think you guys have heard us say it before. This is like, and I know Dana says the same thing, this is some of the only one-on-one time that we get in our lives. I don't know if you guys know this or not, but we are a completely virtual company, meaning we are all at our homes.   We don't have like a workspace that we come to and then if you're a client of ours, you know, we're on calls or in offices quite a bit as consultants or our consulting team. We really just don't get a ton of time together. So these couple of hours that we bust out some podcasts are near and dear to our hearts and I just adore you Kristy and I appreciate you blocking out the time when your schedule always for it and for always just putting so much value into everything that you do.   with your clients, with your podcasting, everything that you do. So Kristy, thank you so much. Thank you for being a part of the Dental A Team. Thank you for being here today. How are you? How are things going over there?   DAT Kristy (01:09) Good, thank you for having me. It's wonderful. I love what I do serving people and it just brings great joy. So happy to be here with you.   The Dental A Team (01:18) Amazing. Good.   Thank you. And I have a question that I haven't asked you yet. How are, how's your family adjusting to the heat to being here and your puppy who's not necessarily a puppy anymore, but he'll always be a puppy. All your dogs, I guess, both your dogs, but how's everybody, how's everybody doing kind of getting settled into Arizona?   DAT Kristy (01:40) Yeah, everybody's loving it. Thank goodness there's pools around so we can get cooled off. the dogs, they're definitely staying indoors right now. It's especially the little Frenchie, you know, that you have to be careful because they will overheat really easy. He's I can tell he's missing his walks right now, but they'll swim.   The Dental A Team (01:46) Thank you.   Yeah.   Yeah, good, good.   I had a black lab that hated water, like couldn't be anywhere near water, which is so not allowed. And summers were rough. He would get hot, but he wanted to be out there, but he was an Arizona born dog, so he was fine. But I was just thinking about earpups this morning, like, gosh, they're not used to not being able to just go outside and chill in the backyard for a couple hours. Well, I'm glad that they swim. I'm glad that they're enjoying that.   DAT Kristy (02:25) So true.   The Dental A Team (02:31) ⁓ and yeah, we're just, we're excited to bring you some information this, this day. We've got, gosh, what four podcasts for recording. So I'm super excited for them all to release and you guys, we always want you to know that these podcasts are for you. So if there's ever anything that you have hopes, wishes, desires, things you want us to talk about things that you want us to dive in deeper on, please just always reach out. Hello@TheDentalATeam.com. We are always taking suggestions and we're always here to help.   And also if there's anything that we say on these podcasts that we're like, we'll get you that. We really do mean that as well. have clients that write in all the time and say, Tiff said, and I'm like, sometimes my marketing team is like, what were you talking about? I don't know, but we figure it out. Whatever it is that we say that you can have, we want you to have it. We are here to deliver massive amounts of information to the dental community in the best ways possible and that.   comes with a ton of free resources. That's our podcast, that's our sheets, our documents, our website. We have all kinds of stuff everywhere, our ⁓ social media, we're on Instagram and Facebook, like wherever you can find us, you're gonna find a slew of information. So we're here for you and when you're ready for one-on-one consulting and not just getting all the information on your own via the web, please reach out, Hello@TheDentalATeam.com. We are so excited to serve all of you guys in whatever way fits you the best today. Kristy.   I wanted to chat this podcast today. I've had, well, number one, I've had a lot of hiring in all of my practices. So I actually chatted with a doctor yesterday, a very successful doctor in Colorado, and he was like, Tiff, what the heck? Like, we lost another one. We just filled our hygiene spots and now we're in front office. And like, what is it? What's going on? He's like, just as soon as I feel like I'm making progress, someone leaves. And I said, you know what?   And he's like, it's hard to not take it personally. That's what he said. And I said, you know what? I understand that. And I, and I feel that. And on the level of, you know, being a lead on a team, I don't own this company, but I have a lot of vested interest in this company and its success. And it's hard. And I said, we come from, we come from a time of, of being employees, right? When we were employees and we were working and, and our work ethic.   Not even ethic, I don't even think it's ethic. Just like our tendency to stick around one place longer, is, it was there longer than it is now. So we just, we didn't leave. We stayed where we were. We became part of the family. We allowed work to become a bigger piece of our lives than it does for a lot of people in this day and age, in my opinion. I think that we,   made work our, like we tied our identity to work. And so leaving was a bigger ⁓ undertaking than it is when you're not so tied to what your job is, your title is, or the place is. And it's much easier to say, you know what, I can, I want to grow into something different. I want to be someone different. I want to change. And so they do, they leave more easily. And I think from   our point of view, it makes it really hard because we tied so many emotions to our job and our identity to our job that we're like, gosh, do they not like us? Do they not like where they work? Am I not doing good enough as an employer? But the reality is we've actually created an environment and ⁓ a social standing that people identify with who they are as a human outside of work better.   than we ever have in our lives. So it's like a catch-22, no matter what, there's a pro and a con to everything. And the pro is that they're not so identity attached to their jobs or their titles. The con is that it's easy for them to jump ship and try something new. We're much more apt to dip our toes in and try that new thing. And so I think the hiring has just over the last, realistically five years, has had a lot more turnover and we spent a lot more time hiring.   than we ever have in the past. And I could be making all of that up. That's my opinion. That's not like scientifically proven, but it's just something that I've noticed by studying people and studying myself as well. Like how am I transitioning? How am I changing my identity tools and all of those pieces as I watch the climates change so much. Kristy, what are your thoughts on that? I know we both have a lot of clients. I have experienced a lot of hiring this year. What are you seeing?   DAT Kristy (07:11) 100 % exactly what you said Tiff and it is hard. It's a hard reality. I think ⁓ Back in college. I took sociology not that I really liked it But now I'm like man I wish I would have dug into it more because I think there is something with the new generation and ⁓ Not to go woo-woo, but I think there is something with those personalities. You know what I mean and It's kind of funny and listening to you talk about it because our generation is   always like speaking to work-life balance, work-life balance, and I think the new generation actually has it figured out better.   But we're angry at it. We want it and they're doing it. And I get it. And I also get it because of being in a, in a practice administration role. Like it's hard hiring and training and retraining and hiring. And so I think ⁓ we've got to find a way to maneuver around that easier versus ⁓ taking it so personal and choosing to see it as a good thing. Maybe not necessarily a thing, but yeah.   The Dental A Team (07:50) Mm-hmm. agree.   Yeah, that   was beautifully said.   You're totally right. I love that you said you pointed out the work life balance because I agree and I whenever I hear the words work life balance now I think of that like yeah, I'm like it's like that live laugh love that we had all over our houses like every room had a live laugh love sign somewhere and it's like so outdated and overplayed when I hear the words work life balance. I'm like, my gosh, like stop saying that just have balance. just have balance balance balance. If you continue separating work and life.   and not understanding that it's one, you're one person, you're gonna continue to be out of balance. So just have balance. And I think you're right. think they've, lot of people have found that balance where neither tips the scale and they just understand their boundaries and their priorities a little better than maybe we did when we were their ages. So there's our spiel on that. But one of the...   DAT Kristy (09:10) I was gonna tell you, it's kind   of ironic, I'm spilling the beans and being vulnerable now, but my daughter's in dentistry, you I roped her into it. And so I hear it from her often, mom, it's not my life, like it is yours. And I was like, ⁓ stab me, right? Like, it's so true. So I'm living it.   The Dental A Team (09:32) Yes, it is. Yeah.   Yeah, so   you're seeing it firsthand. You're seeing it with your practices and just watching, but then also within your own home. So I totally get that. And I have a actually happy practice out in Rhode Island near and dear to my heart. The office manager's daughter is their billing rep. And I see the same kind of conversations, the office manager and like stop taking work home, like just do it at work. And then her daughter is like, why are you working at home? Like put it away. And so I do, I see that same dynamic there. And I think, I actually think the ages are   about the same, like you guys are both in the same spaces there. ⁓ So it's interesting, but I think with that conversation, doctors oftentimes and office managers are like, what can we do more of? What can we do better? How can we offer things differently? And the hygiene market is wild still, okay? It's 2025, I don't know when you're listening to this, but I hope if it's years from now, things are better.   Because the hygiene market is still a little wild. It's just still hard to find hygienists So if you're listening to this now like go apply to hygiene school because the demand is high Go get your degree go do your thing and come out a hygienist, but we oftentimes get asked for provider information on pay, right? And so we have a couple of different scenarios a couple different options. I Mean dollar per hour still near and dear to my heart when it comes to employees. I think that it just   I just, for me, it's an ease of life. It's just easier. And so I love dollar per hour, but I do like the stipulation that a provider should be making three to 3.5 times their rate of pay in order to pay for themselves so that the overhead doesn't get out of control. So dollar per hour, three to 3.5 times their rate of pay. You've got to do the digging on what your area.   is hiring at or what they're paying their hygienist or their dental assistants, whomever, because it does change, it does differ by area. More rural is going to be maybe a little less, city life is probably going to be a little more, Indianapolis compared to Phoenix, compared to San Francisco, compared to, I don't know, New Mexico, right? They're all going to be very different rates of pay. So I can always, you know, we can always spew out some numbers to you, but Google is a really fantastic tool and Salary.com gets it right every single   So go check those for sure dollar per hour and then I really wanted to chat a little bit and we talked about this a little bit ahead of time me and Kristy did on paying based off of production or collections and in my opinion I've seen this I've seen this and in my opinion it's kind of the same structure that you would give to an associate so Don't over complicate it a lot of practice owners a lot of office managers like to over complicate it so just don't do that and   pay like you would an associate? What would that look like? What would those stipulations be? What would the percentage of production or collections look like? ⁓ And pay based off of that. There are pros and cons, right, to everything. And I think there are pros and cons to paying off of production or collections. And Kristy, I think I'd love to hear from you on that production-based pay, because I know that you've seen that and worked with some clients that have done that. What are some things that you've seen that work well? Why?   Some clients, like I've had clients recently ask, should I move to a percentage structure rather than a salary or a dollar per hour? What do you see work well within that percentage structure on production or collections? Like you said earlier, I do think collections is a little bit more difficult for providers, especially for hygienists that don't have a lot of say in that, but production-based maybe as well. Kristy, what are your thoughts?   DAT Kristy (13:08) Yeah.   To be honest with you, this is something a little near and dear to my heart. And I think we will probably see ⁓ a little more of it just with, ⁓ I don't want to get in the political things, but we know that there are some states looking at assistance getting into hygiene. so with that being said, we all know that hygienists come out of school and they take their boards and they're all expecting to come in at that same level. Right. And just like associates, we know   they   all do their testing as well, come out with their doctorate and get their license. But we know they likely aren't going to produce at the same level, right? So hygienists are no different. Usually your seasoned hygienist can carry conversations different than, you know, somebody brand new. And their skill set is likely a little bit different, whether they've gone through more CE or not. So to be honest with you, I do   I'm a huge proponent of paid for performance ⁓ Yet I also feel in hygiene ⁓ Paying them a good going rate like you said, you know know what they're in your area and Give them that good going rate but just like you mentioned tiff with associates if somebody's performing and when I say performing I'm not just talking like production numbers or monetary That's just a side effect, but I'm talking like   moving your patients to health, getting them healthy, calling perio perio and having those different, you know, difficult conversations with patients. If they're willing to do that, why wouldn't we compensate them for that?   The Dental A Team (14:52) Yeah, I think that's fantastic. That is a very good point too. And that is something I think that comes up a lot for practices is that perio space. And if I've got one hygienist who's just rocking it out and having those difficult conversations and diagnosing correctly for our patient's health and not just for the production or just for the accolades, but really, really doing due diligence for our patients, how do I repay them? And I think that is a great point that that production-based pay   is.   an effect of that. think that's fantastic. I also see practices that will do dollar per hour and bonuses. So if you go above and beyond that 3.5%, they can get, you know, a one or 2 % or whatever you decide you want your bonus to be of what's above that. So one mistake I do see practices make with this, I'm going to give you a caveat, is that they'll do it the bonus based off of the total. And I typically would do the bonus based off of what was above and beyond the threshold. So we don't total it, we say this was our threshold, anything above   that is what you get the bonus off of. So any bonus programs is that's typically how I'm gonna run it because that's your excess. This is your overhead, this is your excess. So we're only bonusing off of excess and then also a small caveat, I did talk to an office the other day that was, they're making some transitions and they're like, do we change the structure? And I'm looking at it and I'm like, well.   they wanted to lower the threshold. And I said, well, no. Number one, no, never do that. ⁓ Number two.   You also didn't add in my overhead caveat and you're at 66 % I think overhead for the year, but the team's been bonusing. And so we're digging in trying to figure out like what's going on. I have a couple offices going through this right now. This one kind of East Coast stern was like a little topsy turvy upside down. So I think no matter what you do, you've got to make sure that it's going to work the best for your practice for your overhead. So if dollar per hour right now is the best bet and you're able to manage and control your overhead with   that, do that. If you've got a team that you're like, want to, I want to make this more production based and Kristy, like you were saying, like really give that energy to what we're pushing for and kind of pay them back right for the work that they're putting in. You have that flexibility and that level with the percentage on production collections and or bonuses. I love the, if you're asking me either or I would say   in my opinion, production-based over-bonusing. ⁓ It just is easier. Again, I want easier, and it's easier, and it's like tailored for this position, this person. It doesn't have to be across the board for the full practice if we're not to a point that we're ready for that yet. So cons. ⁓   I think there's cons to everything. There's cons to dollar per hour because often times, especially in the ⁓ temperature that we're in right now with the dollar per hour, it is hard to do three to three to point five times their rate of pay. I tell hygienists and I tell doctors all the time, I'll pay you whatever you're asking for. I'll pay you whatever you want. If you can make it work with the numbers. If you can do three to three point five times that rate of pay in production per hour, you've earned it. That's the point is that the overhead has to match.   and for our team members that are listening, I just need you guys to really hear me when I say doctors can't pay you from nothing. So if we're upside down in our overhead, we're not making profit on the company, the business is not profiting.   It's not just for the doctor to profit. It's not just for the doctor to go buy a house or whatever you think is actually happening behind the scenes. It's to ensure that things are paid for. And so if we're upside down in payroll, it's got to come from somewhere else. So then we got to pull it from supplies or from labs or from somewhere. And so the pay always just has to make sense. So if you can make it make sense, I don't care what it looks like. So there's pros and cons to all of it.   So there's the dollar per hour making sure that you're staying in line. There's you know, collections production based and then there's the accelerated which we're not going to spend a ton of time on the accelerated. kind of feel like it's a dying breed in this.   day and age. I love accelerated myself and I loved being hygiene assistant to accelerated hygiene, but that's a really great space too. I do have a hygienist that I know out in like the Chicago area who does accelerated and she's paid on production. She kills it. She is making really pretty numbers over there, but there's pros and cons to everything and it kind of runs the doctor a little ragged, so you just have to have the right system   for that and to make sure that it all just makes sense. And Kristy, you've got a ton of practices too in this same space. What would you have seen like really working or not working within any of this, whether it's associates or hygienists, really just what do you see that works really, really well?   DAT Kristy (20:08) Yeah, honestly, Tiff, I'm gonna say the one that I've seen work the best is a combination, right? ⁓ Again, a good going pay rate and then incentivizing them on.   I'm going add in it's more of a profit share model, right? Because like you said, it has to make sense with the numbers and be profitable. ⁓ And again, I do see a lot of ⁓ accelerated, but I will caution there too. The ones that I've seen work the best is when you give them a very good assistant that can perform. You know what I mean? Don't give them an entry level person that can't carry conversations. And I shouldn't say can't, but is   as developed right and or let them hand pick them and develop them right so that they work in tandem together and I've seen it work very well in both models but you have to have the right personality and desire there.   The Dental A Team (20:57) Yeah.   I think that's a fantastic point and to that point I've seen it work really well. ⁓   with the right assistant as well. And oftentimes what we do is we hire a hygiene assistant who's like the low level training, not quite the doctor's assistant yet. And the reality is it needs to be someone who knows how to run a schedule, how to talk with the patients, how to sell treatment, how to take the x-rays correctly and really give that concierge service because we've got to make up for not having as much time with the hygienist, right? So the hygienist does all of that in your hour appointments, but when you're   shortening them and they're doing accelerated, the hygienist is only in there for 30, 40 minutes, right? You're losing a lot of value there from the hygienist transitioning. So that assistant definitely has to be top level, top notch. And we make that mistake a lot. I've made that mistake in my own office and hiring many, many times. So it's kind of opposite and you really need a skilled assistant to be your hygiene assistant. I agree. That's a great point. Awesome.   DAT Kristy (22:15) And you know   what, Tiff, you mentioned earlier that the margins are getting hard, especially with PPO and they're not reimbursing. You made a good point about the co-diagnosis aspect. Make sure you're factoring that in. Like look at what's coming out, know, track it and see, because that also needs to be factored into the pay scale, right? It may not just be 100 % hygiene services. You almost have to look   The Dental A Team (22:37) Yeah.   DAT Kristy (22:45) at hygiene sometimes as part of your marketing strategy in a way, you know? So.   The Dental A Team (22:48) Yeah, that's a great point. I totally agree.   Yeah, I love it.   Thank you, Kristy. ⁓ I think there's some great ideas in here. You guys know we did not give you the do this answer because it is really case by case. I mean that with every ounce of my being, it is dependent on what's going to work best for your company. If you want help diving into that, figuring out what might be best for you or your company model, we are more than happy to help you on a one-on-one basis. Reach out. Hello@TheDentalATeam.com. We'll be happy to get on a call with you to dive into your practice statistics.   sticks and needs with you. Again, no, I don't have a do this, do that, but we can help you. Hello@TheDentalATeam.com and we are so happy to help any of you guys. We are all here for it. We have a team standing by, always ready to hop on a call with you.   Kristy, thank you for your amazing words of wisdom and for your vulnerability. And we have more to record, you guys. We got more coming up for you. And we are just so excited to deliver you so much amazing content this month. Please drop us a five-star review below letting us know how helpful this was. If you have ideas, if you have things that you've done that worked or didn't work, send them in. You can put them within your review. People really do go through and read those. Or Hello@TheDentalATeam.com. You can send them over to us and we'll be happy to   with you or put that information out for others to read as well. So go find us, Instagram, Facebook, all the places, and we'll catch you next time. Thanks guys.

Jackson HOLY cow what a move.... SOE's get used to it - We are now China. Airline consolidation or murder? Bond yields - Long bond yields up. PLUS we are now on Spotify and Amazon Music/Podcasts! Click HERE for Show Notes and Links DHUnplugged is now streaming live - with listener chat. Click on link on the right sidebar. Love the Show? Then how about a Donation? Follow John C. Dvorak on Twitter Follow Andrew Horowitz on Twitter Warm-Up - Excitement over a change in tone from Powell (Powell throws the towel?) - Crypto surges - then comes back down - SOE - Get used to that - Bond yields - Long bond up Markets - Hitting all-time highs - Airline consolidation or murder? - NVDA earnings - reports this week - Some crypto really moving Fed Firing - How do we feel about the firing of Fed's Cook? - Allegations, not confirmed - Could this be a play to actually fire Powell? --- Trump now says that this paves the way to him having a majority that soon will push rate lower (after firing Cook) Windless - Shutting down the alt-energy projects - Wind turbines ugly and no good - Shares in wind farm developer Orsted - The U.S. government last week ordered the company to halt construction of an almost completed project. - Late on Friday the U.S.? Bureau of Ocean Energy Management had issued a stop-work order for the Revolution Wind Project off of Rhode Island. According to Orsted, the project is 80% complete and 45 out of 65 wind turbines have been installed Pricing Power - News that Spotify will raise prices as it invests in new features and targets 1 billion users - said the price will rise to 11.99 euros ($14.05) from 10.99 euros in markets including South Asia, the Middle East, Africa, Europe, Latin America and the Asia-Pacific region. - Price increases combined with cost-cutting efforts in recent years helped Spotify achieve its first annual profit last year. Jackson Holy !! - Powell hinted that maybe there would be a change to his thinking - In his final address as Fed chair at the Jackson Hole, Wyoming, economic symposium, Powell hinted at a September interest rate cut but stopped short of committing, striking a careful balance between mounting job-market risks and lingering inflation worries. - In particular, the market was enthused by Mr. Powell's line noting that "with policy in restrictive territory, the baseline outlook and the shifting balance of risks may warrant adjusting our policy stance," which the market took as an open-mindedness to easing. - The probability of a 25-basis point rate cut at the September FOMC meeting now stands at 83.1%, up from 75.0% yesterday, according to the CME FedWatch tool. Jackson - HOLY 2 - Markets reacted strongly in favor of a rate cut - hope - DJIA up 800 - S&P and NASDAQ rallied - Small Caps up close to 4% - USD dove - Yields - slightly lower - Crypto - ETHER rallied hard - ATH ---- Give it a day and Ether and Bitcoin came back down to earth Misunderstanding - Cut rates so houses more affordable? - Long rates moved higher - NVDA - Earnings due Wednesday After the close - Nvidia makes up about 7.5% of the S&P 500. - Earnings Per Share (EPS) Estimates Zacks Consensus: $1.00 Kiplinger Forecast: $1.01, up 48.5% year-over-year MarketBeat Average: $0.97 (range: $0.92–$1.05) - Revenue Estimates Zacks Consensus: $46.14 billion Kiplinger Forecast: $46.0 billion, a 53.1% increase YoY MarketBeat Range: $44.1–$45.9 billion - Forward-Looking EPS FY 2026: $4.28 (Zacks), $4.12 (MarketBeat) FY 2027: $5.70 (Zacks) SOE - State Owned Enterprises - We had better get use to it - All the anger directed at China for this - as unfair practice - Now, US takes a piece of Intel (10% for $2B ?) - Wait - 10% is $10B value - is that right? Intel Math (MATH?) - The U.S. government acquired a 10% stake in Intel by converting $11.1 billion in previously issued grants and pledges into equity.

Uden for Rhode Island ved USA’s østkyst knejser lige nu 45 kæmpestore vindmøller, opført af danske Ørsted i vindmølleparken Revolution Wind, som med tiden skal – eller i hvert fald skulle - levere energi til 350.000 amerikanske husstande. Målt fra havbunden rejser de sig først 110 meter gennem vandet og fortsætter så andre 156 meter op i luften. For at ende i de store rotorblade. Med tryk på store: de har en diameter på 200 meter. Møllerne selv er endda den mindste del af det arbejde, Ørsted allerede har lagt i projektet. For den sværeste del - fundamenterne til alle de 65 planlagte møller - er allerede udført. Men i fredags skete der noget. Ørsted fik fra amerikanske myndigheder pludselig besked på øjeblikkeligt at indstille alt arbejde på Revolution Wind. Men hvad er det egentlig, Donald Trump har imod havvindmøller? Mener præsidenten for alvor, at vindmøller gør hvaler vanvittige og slår fugle ihjel, eller stikker der noget andet under? Dagens gæst, Politikens Lars Dahlager, gør os klogere på, hvad præsidentens modstand kan komme til at betyde - for brugen af vindkraft i verden – og for Ørsted, som i forvejen befinder sig i sit livs største krise.See omnystudio.com/listener for privacy information.

#285 The Perform Better Summit in Rhode Island brought together over 1,100 fitness professionals including gym owners, coaches, and therapists for a weekend of connection and learning. In this special episode, Billy takes you backstage for three exclusive interviews with world-class presenters: Chase Kough (The G.O.A.T. Mindset) — Learn what separates elite performers and the mindset shifts that make all the difference. Kevin Carr (Mike Boyle Strength & Conditioning) — Discover why conditioning matters for both you and your clients, and how to build a team that lasts. Martin Rooney — Hear a powerful financial insight on the freedom that comes from being debt free. This unique behind-the-scenes episode blends high-level coaching, training wisdom, and financial clarity. Resources & Links: Connect with Billy on Instagram Learn more about the Profit Growth Mastermind - DM me “Growth” Subscribe to the Your Fitness Money Coach Podcast for more insights Book a Q&A 

Go to ⁠https://cozyearth.com⁠ and use code HUMANHR for 40% off their best-selling sheets, pajamas, towels, and more. And if you get a post-purchase survey? Let them know you heard about Cozy Earth right here.In this episode of the Bringing the Human Back to Human Resources podcast, Traci Chernoff and Bryan Driscoll return for this month's Policy Pulse segment to cover five timely HR developments.They kick things off by dissecting the political fallout over the July 2025 jobs report and the potential implications of altering or eliminating the Bureau of Labor Statistics' monthly release. Then, they dive into Texas's new law mandating binary gender classification and its compliance burden on multi-state employers, followed by a deep look into Colorado's strict new AI law and the risks it presents for hiring and automation tools. The conversation wraps with Rhode Island's new menopause discrimination protections and Illinois's “leave for any reason” law—both pushing the envelope on employee support policies.Chapters 00:00 Welcome to August's Policy Pulse 01:10 Controversy Over the July Jobs Report 06:49 Texas Mandates Binary Gender Classifications 14:50 Colorado's Landmark AI Legislation & Compliance Risks 24:00 Rhode Island Protects Menopausal Employees 28:15 Illinois's Leave-for-Any-Reason Law 30:50 PTO, Legal Loopholes & Employer Challenges 32:00 Final Thoughts & What to Watch in SeptemberDon't forget to rate, review, and subscribe! Plus, leave a comment if you're catching this episode on Spotify or YouTube.We hope you enjoyed this month's Policy Pulse episode. If you found our discussion insightful, we'd like you to take a moment to rate our podcast. Your feedback helps us grow and reach more listeners who are passionate about these topics. You can also leave a review and tell us what you loved or what you'd like to hear more of — we're all ears!Connect with Traci here: ⁠⁠⁠https://linktr.ee/HRTraci⁠⁠Connect with Bryan: Website: ⁠https://bryanjdriscoll.com/ LinkedIn: ⁠https://www.linkedin.com/in/bryanjohndriscoll/⁠Disclaimer: Thoughts, opinions, and statements made on this podcast are not a reflection of the thoughts, opinions, and statements of the Company by whom Traci Chernoff is actively employed.Please note that this episode may contain paid endorsements and advertisements for products or services. Individuals on the show may have a direct or indirect financial interest in products or services referred to in this episode.

Send us a textCoventry town solicitor Stephen Angell joins Bill Bartholomew to offer the town's perspective on the ongoing legal battle surrounding Johnson's Pond, a body of water that has been a source of frustration, litigious action and a case study in the privatization of waterways. Support the show

Women once dominated the nursing profession, but the times have certainly changed. Join the co-hosts as they unpack the realities of gender roles in nursing, challenge stereotypes, and explore how bias impacts both nurses and the patients in their care.   MEET OUR CO-HOSTS Samantha Bayne, MSN, RN, CMSRN, NPD-BC is a nursing professional development practitioner in the inland northwest specializing in medical-surgical nursing. The first four years of her practice were spent bedside on a busy ortho/neuro unit where she found her passion for newly graduated RNs, interdisciplinary collaboration, and professional governance. Sam is an unwavering advocate for medical-surgical nursing as a specialty and enjoys helping nurses prepare for specialty certification.    Kellye' McRae, MSN-Ed, RN is a dedicated Med-Surg Staff Nurse and Unit Based Educator based in South Georgia, with 12 years of invaluable nursing experience. She is passionate about mentoring new nurses, sharing her clinical wisdom to empower the next generation of nurses. Kellye' excels in bedside teaching, blending hands-on training with compassionate patient care to ensure both nurses and patients thrive. Her commitment to education and excellence makes her a cornerstone of her healthcare team.   Marcela Salcedo, RN, BSN is a Floatpool nightshift nurse in the Chicagoland area, specializing in step-down and medical-surgical care. A member of AMSN and the Hektoen Nurses, she combines her passion for nursing with the healing power of the arts and humanities. As a mother of four, Marcela is reigniting her passion for nursing by embracing the chaos of caregiving, fostering personal growth, and building meaningful connections that inspire her work.   Eric Torres, ADN, RN, CMSRN is a California native that has always dreamed of seeing the World, and when that didn't work out, he set his sights on nursing.  Eric is beyond excited to be joining the AMSN podcast and having a chance to share his stories and experiences of being a bedside medical-surgical nurse.   Maritess M. Quinto, DNP, RN, NPD-BC, CMSRN is a clinical educator currently leading a team of educators who is passionately helping healthcare colleagues, especially newly graduate nurses. She was born and raised in the Philippines and immigrated to the United States with her family in Florida. Her family of seven (three girls and two boys with her husband who is also a Registered Nurse) loves to travel, especially to Disney World. She loves to share her experiences about parenting, travelling, and, of course, nursing!   Sydney Wall, RN, BSN, CMSRN has been a med surg nurse for 5 years. After graduating from the University of Rhode Island in 2019, Sydney commissioned into the Navy and began her nursing career working on a cardiac/telemetry unit in Bethesda, Maryland.  Currently she is stationed overseas, providing care for service members and their families.  During her free time, she enjoys martial arts and traveling. 

Seen by hundreds of thousands, Swedish utility Vattenfall's expletive-laden campaign with Hollywood icon Samuel L Jackson asks the question: Offshore wind farms, yes or no? On this week's episode of Energy Evolution, Vattenfall's head of brand Monica Holmvik Persdotter explains the process behind the campaign and how the utility thinks about public discourse regarding the technology. Effective communication and local engagement have tangible impact on green-lighting new offshore wind projects, David Bidwell, professor of Marine Affairs at the University of Rhode Island in the US, told correspondent Camilla Naschert. Audio clips sourced via European Commission and Vattenfall AB.

Oliver Penn is a musician who was born and raised in Providence, Rhode Island. He moved to Houston, Texas before high school then returned to Providence for college. A self-taught guitar player, drummer, and songwriter, he has shared the stage with many prominent performers. Oliver now makes his home in Texas.

State officials joined with union leaders to condemn the abrupt decision by the Trump Administration to stop work on a project that's roughly 80% completed.

Brown Professor Wendy Schiller joins the show to talk about President Trump ending off shore wind projects in Rhode Island and current democratic pollingSee omnystudio.com/listener for privacy information.

On this episode of CCA on the Air, we explore the world of Open Education and its transformative impact on student success.Our guest, Lindsey Gwozdz, Assistant Dean of Libraries at the Community College of Rhode Island, brings a dual perspective—as a campus-based practitioner and a regional leader in the open ed movement. Together, we discuss the promise of open education (OE), what it takes to bring OE initiatives to life, and how free, accessible learning materials can drive student success.Guest Contact: Lindsey Gwozdz, lgwozdz@nebhe.org

Seen by hundreds of thousands, Swedish utility Vattenfall's expletive-laden campaign with Hollywood icon Samuel L Jackson asks the question: Offshore wind farms, yes or no? On this week's episode of Energy Evolution, Vattenfall's head of brand Monica Holmvik Persdotter explains the process behind the campaign and how the utility thinks about public discourse regarding the technology. Effective communication and local engagement have tangible impact on green-lighting new offshore wind projects, David Bidwell, professor of Marine Affairs at the University of Rhode Island in the US, told correspondent Camilla Naschert. Audio clips sourced via European Commission and Vattenfall AB.

It's Fun Day Monday on the Majority Report: On today's show: After 160 days in detention, Kilmar Abrego Garcia was briefly released and reunited with his family only to be detained again on Monday. Despite no due process and lack of evidence, boarder czar Tom Homan declares on Fox News that Kilmar will "absolutely be deported". Author, Joseph Lee joins us to discuss his book "No More of This Land: Community, Power and the Search for Indigenous Identity".  In the Fun Half: Former pipeline lobbyist and current EPA director Lee Zeldin guests on Fox News to announce the abandonment of an 80% finished wind farm off the coast of Rhode Island because the president "isn't a fan of wind". NEC Chair Kevin Hassett defends the taxpayer injection into failing Intel and he expects the US government to do this with more companies. Israel double taps the largest hospital in Gaza killing at least 19 including 5 journalists bringing the total number of journalists killed in Israel's genocide to 192. Trump's personal lawyer, now Dep AG Todd Blanche coaches Ghislaine Maxwell through obvious beg for a pardon. All that and more. The Congress switchboard number is (202) 224-3121. You can use this number to connect with either the U.S. Senate or the House of Representatives. Become a member at JoinTheMajorityReport.com: https://fans.fm/majority/join Follow us on TikTok here: https://www.tiktok.com/@majorityreportfm Check us out on Twitch here: https://www.twitch.tv/themajorityreport Find our Rumble stream here: https://rumble.com/user/majorityreport Check out our alt YouTube channel here: https://www.youtube.com/majorityreportlive Gift a Majority Report subscription here: https://fans.fm/majority/gift Subscribe to the ESVN YouTube channel here: https://www.youtube.com/esvnshow Subscribe to the AMQuickie newsletter here: https://am-quickie.ghost.io/ Join the Majority Report Discord! https://majoritydiscord.com/ Get all your MR merch at our store: https://shop.majorityreportradio.com/ Get the free Majority Report App!: https://majority.fm/app Go to https://JustCoffee.coop and use coupon code majority to get 10% off your purchase Check out today's sponsors: COZY EARTH: Upgrade your summer. Go to cozyearth.com/MAJORITYREPORT for up to 40% off best-selling temperature-regulating sheets, apparel, and more. ZOCDOC: Go to Zocdoc.com/MAJORITY and download the Zocdoc app to sign-up for FREE and book a top-rated doctor. SUNSET LAKE:  Head to SunsetLakeCBD.com and buy any three 4-packs, and you'll get a fourth one for free. Just add four 4-packs to your cart and use the code LABORDAY25 at checkout Follow the Majority Report crew on Twitter: @SamSeder @EmmaVigeland @MattLech Check out Matt's show, Left Reckoning, on YouTube, and subscribe on Patreon! https://www.patreon.com/leftreckoning Check out Matt Binder's YouTube channel: https://www.youtube.com/mattbinder Subscribe to Brandon's show The Discourse on Patreon! https://www.patreon.com/ExpandTheDiscourse Check out Ava Raiza's music here! https://avaraiza.bandcamp.com/ The Majority Report with Sam Seder – https://majorityreportradio.com

Welcome to New England Legends From the Vault – FtV Episode 129 –  Jeff Belanger and Ray Auger stroll up to Hearthside House in Lincoln, Rhode Island. Though many call this 1814 mansion the “house that love built,” it also has another nickname: Heartbreak House. After winning the lottery in 1810, Quaker Stephen Smith built this mansion for a girl he loved. The only problem? She didn't want to live here. This episode first aired March 19, 2020   Listen ad-free plus get early access and bonus episodes at: https://www.patreon.com/NewEnglandLegends    

Keith discusses the impact of political rhetoric on mortgage rates, emphasizing the importance of central bank independence.   President of Ridge Lending Group and GRE Icon, Caeli Ridge, joins in to explain the benefits of 30-year mortgages over 15-year ones, advocating for extra principal payments to be reinvested rather than accelerating loan payoff.  They also cover the potential effects of Fannie and Freddie going public, predicting higher mortgage rates. Caeli Ridge elaborates on cross-collateralization strategies, highlighting the advantages of commercial blanket loans for real estate investors.  Resources: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Show Notes: GetRichEducation.com/568 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  You get paid first: Text FAMILY to 66866 Will you please leave a review for the show? I'd be grateful. Search “how to leave an Apple Podcasts review”  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— text ‘GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Keith Weinhold  0:01   welcome to GRE I'm your host. Keith Weinhold, the President has called the Fed chair a dummy and worse. How does this all affect the future of mortgage rates? Also, I discuss 30 year versus 15 year loans. Can you bundle multiple properties into one loan? Then how Fannie and Freddie going public could permanently increase mortgage rates today on get rich education   Keith Weinhold  0:28   since 2014 the powerful get rich education podcast has created more passive income for people than nearly any other show in the world. This show teaches you how to earn strong returns from passive real estate investing in the best markets without losing your time being a flipper or landlord. Show Host Keith Weinhold writes for both Forbes and Rich Dad advisors and delivers a new show every week since 2014 there's been millions of listener downloads in 188 world nations. He has a list show guests and key top selling personal finance author Robert Kiyosaki, get rich education can be heard on every podcast platform, plus it has its own dedicated Apple and Android listener phone apps build wealth on the go with the get rich education podcast. Sign up now for the get rich education podcast, or visit get rich education.com   Speaker 1  1:14   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  1:24   Welcome to GRE from Pawtucket, Rhode Island to Poughkeepsie, New York and across 188 nations worldwide. I'm your host. Keith weinholdin, this is get rich education, not to inflate a sense of self importance, but each episode is an even bigger deal than a New York Jets preseason football game. You might have thought you knew real estate until you listened to this show, from street speak to geek speak. I use it all to break down how with investment property, you don't have to live below your means. You can grow your means as we're discussing the mortgage landscape this week. You know, I recently had a bundle of my own single family rental homes transfer mortgage servicers from Wells Fargo over to Mr. Cooper. And that was easy. I didn't have to do anything. The automatic payments just automatically transferred over. And yes, Mr. Cooper, it's sort of a funny sounding name that you don't exactly see them putting the naming rights on stadiums out there, but the new servicer prominently wanted to point out the effect of me making extra $100 monthly principal payments and how much in interest that would save me over time, sort of suggesting that it would be a good idea for me to do so. Oh, as you know, like I've discussed extensively, extra principal pay down is a really poor use of your capital. It's a lot like how in the past, now you've probably seen it like I have, your mortgage company promotes you making bi weekly payments all year, so you'd effectively make some extra principal pay down each year. That way. Don't fall for it. Banks promote biweekly payments because it sounds borrower friendly, it encourages an earlier loan payoff. Well, that actually reduces lender risk and increases your risk. And the whole program can come with extra fees too. It just ties up more of your money in something that's unsafe, illiquid, and with a rate of return that's always zero, since that's exactly what home equity is. As we're about to talk mortgages with an expert today, I will be sure to surface that topic. We'll also talk about the housing market effect of a president firing a Fed chair. When you're living under the rule of a president that desperately and passionately wants lower interest rates, you've got to wonder what would happen if a president just had the power to go lower them himself, which is actually what most any president would want to do, but you almost don't have to wonder what would happen. You can just look at what actually did happen in Turkey. Now, yes, Turkey already did have an inflation problem, worse than us, for sure, but Turkish President Erdogan went ahead and lowered Turkey's interest rates despite persistent inflation. I mean, that's a situation where most would raise rates in order to combat inflation. Well, lowering rates like that soon resulted in substantially higher inflation to the tune of almost 60. Yes, six 0% per year before cooler heads prevailed and the Turkish government was forced to drastically raise rates. But it was too late. The damage was already done to the reputation of Turkey's economy and its everyday citizens and consumers. I mean, that was a painful, real world example of how critical central bank independence is. You've also got to ask yourself a question here, do you really want to live in the type of economy where we would need a bunch of rate cuts? Because when rate cuts happen, it usually results from the fact that people are no longer employed, or we're in a recession, or financial markets are really unstable. So there are certainly worse maladies out there than where we are today, which is with moderate inflation, pretty strong employment and interest rates that are actually a little below historic levels. I mean, that is not so bad. Before we talk both long term mortgage lessons and more nascent mortgage trends today coming up on future episodes of the show here, a lot of info and resources to help you build wealth as usual. Also an A E TELEVISION star of a real estate reality show will make his debut here on GRE.    Keith Weinhold  6:24   Hey, do you like or even live by any of the enduring GRE mantras, like, Don't live below your means, grow your means, or financially free, beats debt free, or even, don't quit your Daydream. Check out our shop. You can own merch with sayings like that on them, or simply with our GRE logo on shirts and hats and mugs. And I don't really make any income from it. The merch is sold at near cost, and it actually took a fair bit of our team's time to put that together for you. So check out the GRE merch. You can find it at shop.getricheducation.com that's shop.getricheducation.com   Keith Weinhold  7:18   today we're talking to the longtime president of ridge lending group. They specialize in providing income property loans to real estate investors like you, and she's also a long time real estate investor herself. I've shared with you before that ridge is where I get my own loans. They've worked with 10s of 1000s of real estate investors, not just primary residence owners, but real estate investors as well as homeowners all over the country, and at this point, she's like a GRE icon, a fixture regularly with us since 2015 Hey, welcome back to get rich education the inimitable Chaley Ridge,    Caeli Ridge  7:54   ooh, Mr. Keith Weinhold, thank you, sir. So good to see you, my friend. Thanks for having me   Keith Weinhold  8:00   opening up that thesaurus tab right about now, I think maybe JAYLEE, why don't we have the chat everyone wants to have? Let's discuss interest rates, starting with the vitriol from Trump to Powell has reached new heights. This year, Trump has called Powell a numbskull, Mr. Too late, a real dummy, a complete moron, a fool and a major loser, among other names. And you know, at times, I've seen Realtors even blasting Jerome Powell for not cutting rates. Well, the Fed doesn't directly control mortgage rates, and it's also not the Fed's job to boost Realtors summer sales. It's to protect the long term stability of the US economy. Tell us your thoughts.    Caeli Ridge  8:48   So this is a rather complicated topic, okay, and there's a lot that under the hood that goes into how a long term mortgage bond interest rate is going to go up or going to go down. As you said, it's not necessarily just the Fed and the fed fund rate, which, by the way, for those that are not familiar with this, the fed fund rate is the intra daily trading rate between banks. So while there is a connection between that and that of the 30 year long term fixed rate mortgage, they are not the same thing. And in fact, statistically, I believe I read this last week, the last three fed fund rate reductions did the opposite to long term rates, right? So we went the other direction. So please be clear that the viral, as you say, of President Trump and what his opinions are about Mr. Powell and his decisions to keep that fed fund rate unchanged for the last several meetings that they've had, I think, is more of a distraction, but that's another conversation overall. I would say that, is he too late? Is he right on time? You know, there's so much data and so many data points that they're looking at, and there's this thing in the industry called a Lag that, in truth, they're not getting the actual data points that they need real time. It's lagging, so the data that's coming out to them today isn't going to be what's relevant and necessary to make changes tomorrow, next month and next week. Most recently, you probably saw in the news the BLS Bureau of Labor and Statistics and the jobs report came in far under what the expectation was. So that might have been the catalyst. I think that will drive Powell and group to reduce that is the overwhelming expectation that the fed fund rate is going to come down by how much. We don't know. Secondary markets are already baking that in, by the way. So when we talk about long term interest rates, I'm starting to see some changes on the day to day. I get access to that stuff, and I'm looking at it daily, the ticker tape of where the treasury bonds and things are. So I'm starting to see some slight improvement to interest rates in preparation of that market expectation, interest rate on the fed fund level will probably reduce. But I think overall, Keith that the Fed is in a really difficult position, because when you think about what really is going to drive the fed fund rate, and then potentially the long term rate, is counterintuitive to what most people or consumers expect, right? They think if the fed fund rate reduces by a quarter of a percentage point, then a long term 30 year fixed should probably reduce by the same amount. It does not go hand in hand like that. Now, while there are trends right, that doesn't happen that way, and more often than not, the worse our economy is doing, the better a 30 year interest rate will be. So in my industry, I'm kind of always playing on the fence, thinking I don't want anything bad for our country and the economy. However, the worse it does, the better interest rates are going to become. And if you've been paying attention, the economy is in decent shape. We're not doing that bad. Inflation is still up, so the metrics that they're using to kind of gage and predict that lag and where we're going to be are not in line to say that interest rates are going to drop a half or a point or a point and a half in the next year to 18 months. Those signs are not out there for me. All of that said, I know that interest rate is top of mind for I mean, I'm on the phone all day long. I like that part of my job where I'm still interfacing with investors on day to day. Big chunk of my day is spent talking to clients, and that is one of the top questions, probably one of the first questions that come out of their mouth, where interest rates? What are interest rates? And what I have sort of started to really form and say to that question is, if interest rates are the catalyst to your success in real estate, you probably need to do a little bit more research, because interest rates should not be the make or break for your success. Well, as a real estate investor   Keith Weinhold  12:45   the Fed has a dual mandate of maximum employment and stable prices. Inflation, though still somewhat elevated, has stayed about the same the past few months. History shows us that the Fed is more comfortable with inflation floating up than they are with suppressed employment levels. To your point about recent reports about us not adding many jobs, and the Fed being concerned about that, the translation for those that don't know is, if the job market is weak, lowering rates, which is what increasingly people think they tend to do later this year. Lowering rates helps encourage businesses. It's more likely that businesses will borrow and expand and hire more people. Therefore, if rates are low now, whether that translates into a lower mortgage rate or not, by lowering that fed funds rate? Yes, there is that positive correlation. Generally, the lower the Fed funds rate goes, the lower mortgage rates tend to go although that isn't always the case. To your point. Shailene, late last year, there were three Fed funds rate cuts, and mortgage rates actually went up, which is somewhat of an aberration that usually doesn't happen that way, but that's the environment we're in. Most people think Fed rate cuts are coming later this year.   Caeli Ridge  14:04   Yeah. And I would say, you know, the other thing too, when we talk about the pressure that the Fed is under right now, specifically, Powell, he's being attacked, fine, and whether I agree or disagree, really important for listeners to understand that the indifference that the Fed is supposed to have right bipartisan, it's not supposed to have a dog in that fight. If it did the calamity, I think what would happen economically in this country would be devastating if other economic powers were to see that our particular financial institutions are swayed one way or another. Politically, that would be devastating to us. So I think Powell has done a decent job at staying the course. He's continued to do what he says, says what he does. So so far, I'm okay. Is he late to reduce rates? I don't know that I'm qualified to say that, maybe. But at the same time, I think that his impartiality has been consistent, and that for that part of it, I'm. Grateful   Keith Weinhold  15:00   for those who don't understand if Trump just told Powell what to do and Powell followed Trump's orders, how does that devastate the economy?    Caeli Ridge  15:09   It shows partiality to or Fieldy to one particular party, right? It's not an independent institution where financial policy quantitative easing, quantitative tightening, all of those different things that are necessary to keep the pistons pumping. It isn't it's very specific to Fieldy and the leader of telling based on potentially ego or other elements that have not a lot to do with fiduciary responsibility.   Keith Weinhold  15:37   If Powell did everything Trump said, I feel like we would have negative interest rates right now   Caeli Ridge  15:43   that could be a problem, especially if the economy and inflation is on the rise, and then you get the tariffs. I mean, there's so much layering to this. I mean, we could go on and on about it, but overall, let me close with this. I think that interest rates are probably on the run, if I had to guess. Now, there's all kinds of variables that could make that statement untrue, but overall, in the next year to two years, I do think we'll see some relief in interest rates, barring any major catastrophe. But again, investors, if your success, if you're tying your real estate portfolio, your real estate investing, whatever modality you're interested in, if you're tying that to an interest rate, and there's a certain number that you have ethereal in your mind, you're going to lose your success in real estate. Interest rate is a component of it, but it should not be tied to your success or failure. You should be able to do the math and look at the differences in real estate opportunities, investment, whether it be long term, short term, midterm, single family, two to four appreciation, cash flow, all those things should be considered, and you will find adequate returns independent of an interest rate. If you're diversifying that way   Keith Weinhold  16:49   there is more evidence that Americans have warmed up and gotten somewhat used to normal mortgage rates. This normalization of mortgage rates, they are pretty close to their historic norms. In fact, a recent housing sentiment survey done by turbo home found that in q1 of this year, 41% of homeowners surveyed said that a 6% mortgage rate was the highest they would accept on their next purchase. Right that was back in q1 today, up from 41%, 52% of respondents now say a 6% mortgage rate is the highest that they would accept. Evidence that people are warming up and normalizing this.   Caeli Ridge  17:30   The other thing too is the pandemic rates. Right? That's been a very hard shell to crack. The people that got these two and 3% interest rates during 2020 2021, part of 22 they're really reticent to let those go, and I think that they're doing themselves a disservice as a result. If you can get a second lean HELOC, okay, fine, but overall, if you're just going to let that untapped equity sit, it's going to be to your disadvantage. If you have any desire to increase your portfolio and your long term financial stability and wealth   Keith Weinhold  17:59   you're listening to get rich education. Our guest is Ridge lending Group President Cheley, Ridge much more when we come back, including 30 year versus 15 year loans. Which one is better and more things that the administration is doing to shake up the mortgage market. I'm your host. Keith Weinhold.    Keith Weinhold  18:15   the same place where I get my own mortgage loans is where you can get yours. Ridge lending group and MLS, 42056, they provided our listeners with more loans than anyone because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage. Start your prequel and even chat with President Cheley Ridge personally while it's on your mind, start at Ridge lendinggroup.com. That's Ridge lendinggroup.com.    Keith Weinhold  18:46   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 lockups 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 266, 866, to learn about freedom. Family investments, liquidity fund again. Text family to 66866,   Rick Sharga  19:58   this is Rick sharga housing market. Intelligence Analyst, listen to get rich education with Keith Weinhold, and don't quit your Daydream.   Keith Weinhold  20:05   Welcome back to get rich Education. I'm your host, Keith Weinhold. We're talking with a familiar guest this week. That's Ridge lending Group President, Caeli. Ridge wealth is built through compound leverage faster than compound interest. And leverage means using loans. I think most everyone the first time in their life they look at loan amortization tables and learn things like, oh, with a 15 year loan, you pay substantially less interest, perhaps hundreds of 1000s of dollars less interest with a 15 year loan and its lower mortgage rate than you do with a 30 year loan and its higher mortgage rate. But a lot of people don't take that next step and look that Oh, rather than paying down my home loan with extra principal payments, if I just invested the difference, I would be substantially better off down the road. So in a lot of cases, the more sophisticated investor chooses that longer loan duration, the 30 year. That's the way I see it. What do you see? Most of your prefer there.   Caeli Ridge  21:12   It's one of my favorite topics to cover, because there's quite a few layers that I think can all connect. If an individual wants to pay less in interest very easily, I'm going to strenuously advise them to take a 30 year over a 15 year and just simply apply the difference. So let's just start with the applicable version of 15 versus 30 and how it can benefit or harm. Because this is what a lot of times people that go for the 15 year and wanting to pay less in interest. Don't understand, and it's never been delivered to them in a reasonable way, I guess. So just looking at those two, and then we'll get to the strategy of potentially reinvesting those dollars elsewhere. But just look at a 30 year and a 15 year. I am a massive deterrent against a shorter term amortization. I hate a shorter term amortization, because all that's going to do to the individual is limit their ability to qualify later on down the road. And the reason for that is, is that the shorter term, as you had described, is going to yield a higher monthly payment. So when we pull credit for an individual, that's a higher monthly payment that the debt to income ratio has to support, when in fact, if we simply just look at the two side by side, 15 year and a 30 year equal, equal loan sizes. The 15 year is going to have a lower interest rate. It's true, but the amortization is obviously half the amount. We've gone from 360 months, 30 years to 180 months, 15 years. So the payment obviously is going to be much, much higher if you take the payment difference between those two mortgage products and apply it with a 30 year fixed payment. Let's just call it 500 bucks a month, whatever the number is, and you are disciplined to send that extra 500 bucks every single month with your 30 year fixed mortgage payment. You will cross the finish line in 15.4 years, I think, is the average when you run the amortization, so you'll pay a few extra months worth of interest, but whatever, you'll never pay the higher interest that the 30 year has locked at because you've accelerated the payoff of the debt so quickly, and you've maximized your debt to income ratio and future qualifications never take the shorter term amortization. It is to your greatest disadvantage. I hate them. That's part one. Did you have a comment? I can see that your wheels are spinning.   Keith Weinhold  23:24   That is a great answer. If you get the 30 year loan instead of the 15 if you apply an extra principal payment, whatever it would be, call it 500 plus dollars, that you will kill off that loan, that 30 year loan in something like 15.4 years. Yes, and you'll have the lower payment amount for your qualification, going forward, you'll have more flexibility in your life. That's great. I didn't realize the difference 15.4 versus 15 was that small? That's a great takeaway.   Caeli Ridge  23:50   Yeah, absolutely. And the other piece, you kind of just hit on it, the individual's feet are not held to the fire at that higher payment. So let's say it's a rental, okay, whatever. It goes vacant for a month, or a couple months, God forbid, or whatever may be happening. You now get to choose. You are not obligated at that higher monthly payment. You can say, Okay, this month, I'm not going to pay the extra. I don't da, da, da. It's all within your control. So you're killing like four birds with one stone. I really prefer the 30 year amortization for all those reasons. So now let's take it and move into how I believe, and I agree with your philosophy, taking those dollars and applying them, because when we talk about mortgage interest, especially on investment property, okay, it's probably a slightly different conversation when we're talking about somebody's primary residence, home, but for an investment property to take that difference and apply it toward another investment, because the interest remember, you guys, we're investors. We want that Schedule E deduction, that interest deduction, as money goes a 30 year fixed mortgage, even today, as interest rates are elevated beyond the two and three percents that people somehow fixated on, that that's where interest rates should just be forever. You've got Mass. Amounts of interest deduction, so you're paying less in taxes. For that reason, there's so many reasons to stretch out that mortgage on an investment property versus extinguishing that debt, not to mention, you want to constantly be harvesting equity, ideally, pulling cash out. Borrowed funds are non taxable, deploying them, but then taking that extra cash flow and stockpiling it for another investment, whether that just be the down payment or for other things. I just think there's so many better places that those funds can go to produce more wealth than accelerating the payoff of that debt that's benefiting you, from a tax perspective, and several other ways. There's lots of other ways to apply that money. I   Keith Weinhold  25:43   I often ask, why accelerate the payoff on a, say, 7% mortgage interest rate loan, when instead you can take those savings, reinvest them into other real estate, where it sounds preposterous on its face to think of the rate of return that you can get from an income property, but when you add up all the five ways you're paid, appreciation, cash flow, loan pay down, made by the tenant, tax benefits and the inflation profiting benefit on the long term fixed interest rate debt, a return of 20% plus is not out of the question at all. So if it's 20, why would you pay off extra on a seven? That's 13 points of arbitrage that you could gain there by not aggressively paying down a property and instead making a down payment on another income property. Chaeli, when it comes to these type of questions and accelerating a payoff, why do banks seem to encourage that you make bi weekly payments rather than monthly payments, therefore accelerating your principal pay down.   Caeli Ridge  26:42   I'm not sure the reason behind that. I don't know that I've even seen a lot of that from my lens and my perspective. It's definitely not something I ever comment or preach on. But the overall, what's happening there when you do it the bi weekly, so instead of making $1,000 at the first of the month, you make 500 and then 500 right, middle of them on first of the month. What's happening there is, because of the way the annual calendar goes, it ends up being an extra payment per year, right? I think that's the math. Is, when you do it that way, you end up making an extra payment per year, so you can accelerate. And there's you're not doing anything different, necessarily, to in your cash flow, etc. So I don't think there's anything wrong with it. I don't know what the benefit is to the institution that would in communicate that to its consumer. Yeah,   Keith Weinhold  27:27   Yeah, it ends up being 26 bi weekly payments, which has the effect of making 13 monthly payments in a 12 month year, accelerating your pay down. In my experience, it seems that banks encourage this. They contact borrowers. They've contacted me in the past, laying out a welcome mat. Hey, would you like this plan here? And in my mind, accelerating the payoff. We already talked about how that's typically not a good investment. The more you know about the trade off between loans and equity, really, I'm transferring more of the risk onto myself and less they're onto the bank when I accelerate my payoff. So I agree. I'm not interested in doing that at all.    Caeli Ridge  28:06   You know, maybe Keith, it could be, because I people talk about this a lot, those people, and let's say that there are a group of individuals that might benefit. Let's say they're in phase three, right? They're well into retirement. They just want to start paying off. They're not maybe investing anymore. They just want to leave that legacy, perhaps, or whatever their circumstances are, and they don't want to take additional capital and apply it to the principal and lock up those funds and make them illiquid. So maybe, just as an easy sidebar, they just make two payments month versus one. I get a lot of people asking that question. I mean, over the years, I know that like at the closing table, we'll have clients say, Hey, is the servicer going to be set up to accept bi weekly payments? And a lot of times they don't like SLS. I mean, there's a lot of servicers out there that will not accept or don't have the infrastructure to collect those bi weekly so maybe just as a consumer desire out there, the servicers have gotten wise to it, and they just offer it. I can't think of the reason behind why they would promote that to their database. I don't know.   Keith Weinhold  29:09   Another question that I hear quite often, and probably do as well there is about bundling multiple properties into one loan. Can you tell us about that?   Caeli Ridge  29:20   Yeah, that's called cross collateralization. So we're taking residential property, okay, and putting them into a commercial blanket loan. So any combination of single family, up to four unit, five Plex and above is now considered commercial. So it's got to be single family, condo, duplex, triplex, fourplex, right? It's residential property, and they're taking any combination of that and putting it into one blanket loan, cross collateralizing it. Now, I believe the most incentivized way or desire to want to do this is probably for two reasons. One, to free up golden tickets, right? Golden tickets are those Fannie Freddie loans that we talk about a lot. There are 10 of these per qualified individual, if. If someone has maxed out their golden tickets, let's say they've got 12, 1314, properties, they could take five or 10 or 13, whatever the number, and put them into a commercial blanket cross collateralized loan, as long as it's non recourse. That means no personal guarantee is attached to it. The rule per golden ticket will free up all those spaces. So usually this applies to an individual that has a portfolio that has stabilized. This will usually work when the portfolio has had a couple of years to make sure that you've got your consistent tenants and anything that may come up, repairs, maintenance, et cetera, stabilized portfolios and then putting them into that cross collateralization, because the terms are not going to be the same as just a 30 year fixed Okay, especially if you're going to be looking to take cash out and harvest equity that way, that may be a real opportune time to borrow funds. Borrowed funds are non taxable once again, pull the cash out, put it into a non recourse loan. You've got half a million dollars of capital now that you can then go and get a whole new set of golden tickets for expanding your portfolio. So that's something that we focus on for individuals that have maybe maxed out of that that conventional landscape and or are looking to scale and acquire more properties, but they don't want to necessarily look at some of the DSCR loans. They want to get back into the Fannie Freddie box.    Keith Weinhold  31:22   Yeah, so someone could bundle and get cash out simultaneously, potentially, is there anything else that qualifies or disqualifies one for bundling many loans into one like this?   Caeli Ridge  31:35   It's a commercial underwrite. So they should be aware of that. Now, certainly, we're looking at the individual typically in those loans, the underwriting of those loans, the individual's liquidity and credit are most what we're focusing on, but it's about the property in the portfolio, DSCR, that debt service coverage ratio is a big factor. So we're looking at the income against the monthly expense. Generally. That's going to be the principal, interest, tax and insurance on a commercial basis, they throw in the maintenance, vacancy, et cetera, averages. So you want to see, generally speaking, about 1.2 on those when you divide the incomes and the expenses and then otherwise, yeah, LTV might be a little bit restricted on something like that, 70% usually, maybe you can get as much as 75 if you've got a really strong portfolio. But otherwise, for you, individually, liquidity, some liquidity there, and good credit is what is important. As long as the portfolio is operating at a gain, then you're good to go.    Keith Weinhold  32:32   Yeah, that cross collateralization could be really attractive. Well, Chile, we've been in this presidential administration that has shaken things up like few, if any, prior administrations have. One of those things is that they have pushed for cryptocurrency holdings to be recognized as assets in mortgage loan qualification. Now that's something that would probably pend approval by the FHFA and critics cite volatility. I mean, there's been a pattern where every few years, Bitcoin drops 80% before rebounding, and I'm not exaggerating, and that has happened a number of times. And another administration desire is this potential Fannie Mae Freddie Mac merger, or an IPO an initial public offering. Can you tell us what that's about   Caeli Ridge  33:21   let's start with the crypto first, whether or not this, this gets through the Congress and or FHFA, however, that that develops and becomes actualized, that may be different than what the lending institutions decide to take a risk on, right the allowance of that crypto so it even if it's approved and they say that, Yes, that we can use this for asset depletion or reserve requirements, or whatever it may be. I don't know necessarily that you're going to see a lot of the lending institutions jump on board. I think they'll probably have overlays. It's just kind of the layering of risk on the crypto side to ensure that the asset and the underwrite is less likely to default. I don't see a lot of lending institutions that are probably going to jump on that bandwagon immediately. That's probably going to need more time and consistency with that particular asset class. That's the crypto thing. So that's a TBD on the other side, we're talking about conservatorship. So post, oh 809, right? The housing crash and Dodd Frank, if you've not heard of those names before, they're just the last names of individuals that that rewrote that sweeping legislation across all sectors of finance. Once we saw housing and lending implode upon each other, Fannie Freddie, as a result, went into conservatorship. Now what they're saying, what the administration is saying is, is that they are going to say that the implicit guarantee actually, let me back up really, really quickly. I will not take too much time on this so Fannie Mae and Freddie Mac The reason that those products are the golden tickets, as we call them, and we're just focused on investor products right now is because highest leverage, lowest interest rate. And why is it like that? That's because it has a United States government guarantee. Against default. So this mortgage backed security is bundled up with other mortgage backed securities and sold, bought and sold on the secondary market to investors, foreign and domestic. Right? Investors that are buying mortgage backed securities, they know that that paper is secure. If it defaults. We've got the United States government that's giving us a guarantee against default. So that's why it's such a secure investment. If we come out of conservatorship, technically, that would normally mean that you may not have that implicit guarantee. However, the Trump administration and those that are in that space, FHFA, Pulte and all those guys, they're saying that that guarantee should still apply if that happens, if that's how they release this, I don't see anything wrong if they do it without all of the volatility. You know, let's use the tariffs as an example. It was all over the place. It was there, and then it was gone. It was up, and then it was down. It was 30% then it was two right? It was it was just so much, and the markets really had a hard time with it. And as a result, I think a lot of people lost massive amounts of wealth in the stock market because of that. So I think that there is some real benefits to getting the Fannie, Freddie, the GSCs, government sponsored enterprises, out of conservatorship. I think it just opens up for more fair trade in the market. But they have to do it the right way, and as long as they keep that guarantee, that government guarantee, and then they take their time and apply the steps appropriately, I think it could be a good thing, ultimately, for the consumer. Now, if they don't, it could really have devastating impacts, and I think it could even raise interest interest rates higher. I know Trump and folks don't want that, so I think they're mindful of it. That's just kind of the take I get. But we'll see,   Keith Weinhold  36:42   yeah, because that's my preeminent thought with this. Shaylee, if Fannie and Freddie come out of conservatorship, and there's no government backstop on those loans, it seems like the banks are exposed to more risk, and consequently would have to compensate for that, potentially with a higher interest   Caeli Ridge  36:57   rate. You said it better than I did. Yes, I get too technical when I go down those rabbit holes. That's exactly right. I do not think that they will go down that that path without that implicit guarantee. I expect, if this thing comes to fruition, I expect that that guarantee will be there.   Keith Weinhold  37:13   Yeah, it does seem likely, with as much administration concern as there is about the housing market and the level of mortgage rates and all kinds of interest rates out there. Well, JAYLEE, this has been a great, wide ranging conversation all the way from strategy to what the administration is doing in interfacing with the mortgage market. If someone wants to learn more about you and your products, tell us what you offer, including your very popular all in one loan there at ridge.    Caeli Ridge  37:41   Ooh, thank you for teeing that up. Yeah, especially right now, when people have a lot of concern about interest rates right or wrong, the all in one is a very unique product that removes that fear. It's a way that investors, especially can take control of their equity, pay less in interest, and sometimes hundreds of 1000s of dollars less in interest, while maintaining equity and flexibility and liquidity. Cannot say enough about this product. The all in one. First lien HELOC is my very favorite. For the right individuals, we've talked about it many, many times. They can find us talking about it all over YouTube. You and I have quite a few conversations about that. So that and so much more, guys. So the all in one, you've got the Fannie Freddie's, our debt service ratio products, our bank statement loans, our asset depletion loans, ground up construction bridge loans for fix and flip or fix and hold. We really run the gamut there in terms of loan product diversity. There's very little we can't do for real estate investors. So we're uniquely qualified in that space   Keith Weinhold  38:36   and you offer loans in nearly all 50 states. Now tell us more and how one can get a hold of your company. Yes, we are   Caeli Ridge  38:44   licensed in 49 states. The only state we're not licensed in residentially is New York. We can still do commercial there. But to reach us, you can find us on the web, Ridge lendinggroup.com you can email us info@ridgelendinggroup.com and feel free to call us at 855, 74 Ridge 855-747-4343,   Keith Weinhold  39:04   I'm so familiar with all those avenues because, again, that's where I get my own loans myself. Chaley Ridge has been valuable as always. Thanks so much for coming back onto the show.    Caeli Ridge  39:13   Thanks, Keith.   Keith Weinhold  39:21   A lot of experts believe that stripping Fannie and Freddie's public backing and taking them public, yeah, that that will increase mortgage rates. See, besides there being more risk, like we touched on there during the interview, Fannie and Freddie would face strong incentives to increase profitability, to make an IPO appealing to potential investors, that's just another reason that would probably increase mortgage rates. But if you're the type that truly champions free marketeerism, then the government would get out of Fannie and Freddie and let them IPO, and you would want. To see that happen now you as an investor, you probably resonate with the fact that rather than having to methodically and even painfully save money for your next property, instead you can just borrow funds, tax free, out of your existing property, and that way, you're using more of other people's money, the bank's money, in this case, and less of your own. Similarly, if you avoid aggressive principal pay down well, you would just retain those funds in the first place. As you can see, Chely is really good at taking a deep look at what you've got to work with and helping you lay out a strategy that might make sense, keeping in mind and evaluating your cash, cash flow, equity DTI and loan to value ratios, they offer free 30 minute strategy sessions. You can book one right there on their homepage at Ridge lendinggroup.com Until next week, I'm your host. Keith Weinhold, don't quit. Sure. Daydream.   Speaker 2  41:07   Nothing on this show should be considered specific, personal or professional advice. Please consult an appropriate tax, legal, real estate, financial or business professional for individualized advice. Opinions of guests are their own. Information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of get rich Education LLC exclusively.   Keith Weinhold  41:31   You know, whenever you want the best written real estate and finance info, oh, geez, today's experience limits your free articles access, and it's got pay walls and pop ups and push notifications and cookies disclaimers, it's not so great. So then it's vital to place nice, clean, free content into your hands that adds no hype value to your life. That's why this is the golden age of quality newsletters, and I write every word of ours myself. It's got a dash of humor, and it's to the point because even the word abbreviation is too long, my letter usually takes less than three minutes to read. And when you start the letter, you also get my one hour fast real estate video. Course, it's all completely free. It's called the Don't quit your Daydream. Letter, it wires your mind for wealth, and it couldn't be easier for you to get it right now. Just text gre 266, 866, while it's on your mind, take a moment to do it right now. Text, gre 266, 866   Keith Weinhold  42:47   The preceding program was brought to you by your home for wealth, building, get richeducation.com.

Content Warning: This episode contains graphic descriptions of internal autopsy procedures, causes of death, and discussions of trauma, drug use, and infectious diseases. Listener discretion is advised. In this episode, Dr. Priya and Sheryl McCollum go beneath the skin to examine what internal findings reveal about how someone lived and what ultimately caused their death. From the first incision to the final look at the neck, Dr. Priya walks through each step of the internal autopsy, showing how the lungs, liver, stomach contents and brain tissue all contribute to a complete forensic picture. It's an unfiltered look at the science behind suspicious deaths and the small but critical findings that can change the course of a case. Whether it's an undiagnosed disease or unexpected toxins, nothing gets past a thorough autopsy. Highlights (0:00) Welcome to Pathology with Dr. Priya | A Zone 7 Series (0:30) Honoring the legacy of Judge Frank Caprio (3:00) Making the first cut: the Y-incision and what it reveals (6:30) The process of removing weighing and inspecting organs (8:30) Clues in the lungs: smoking damage, silent infections, and signs of COVID (10:30) Why every case includes drug testing, no matter the age (11:30) What stomach contents can us about timing and intent (12:45) Reading the liver and spleen for signs of alcohol hepatitis in cancer (16:00) STDs beneath the surface: infections that quietly destroy (18:00) Detecting undiagnosed disease and hidden internal trauma (23:00) Inside the brain: swelling, strokes, and oxygen-starved tissue (25:15) The final step of the autopsy: what the neck can reveal About the Hosts Dr. Priya Banerjee is a board-certified forensic pathologist with extensive experience in death investigation, clinical forensics, and courtroom testimony. A graduate of Johns Hopkins, she served for over a decade as Rhode Island’s state medical examiner and now runs a private forensic pathology practice. Her work includes military deaths, NSA cases, and high-profile investigations. Dr. Priya has also been featured as a forensic expert on platforms such as CrimeOnline and Crime Stories with Nancy Grace. She is a dedicated educator, animal lover, and proud mom. Website: anchorforensicpathology.comTwitter/X: @Autopsy_MD Sheryl McCollum is an Emmy Award–winning CSI, a writer for CrimeOnline, and the Forensic and Crime Scene Expert for Crime Stories with Nancy Grace. She works as a CSI for a metro Atlanta Police Department and is the co-author of the textbook Cold Case: Pathways to Justice. Sheryl is also the founder and director of the Cold Case Investigative Research Institute (CCIRI), a nationally recognized nonprofit that brings together universities, law enforcement, and experts to help solve unsolved homicides, missing persons cases, and kidnappings. Email: coldcase2004@gmail.comTwitter/X: @ColdCaseTipsFacebook: @sheryl.mccollumInstagram: @officialzone7podcast

The 5 things you need to know before the stock market opens today: Spotify is looking to raise prices, the Trump administration has ordered Danish wind power company Orsted to halt development on its project off the coast of Rhode Island, China Evergrande Group was delisted from the Hong Kong Stock Exchange, Keurig Dr Pepper will pay $18 billion for coffee brand JDE Peet's, and Coca-Cola is reportedly exploring splitting with its own coffee brand, Costa.  Squawk Box is hosted by Joe Kernen, Becky Quick and Andrew Ross Sorkin.  Follow Squawk Pod for the best moments, interviews and analysis from our TV show in an audio-first format. 

Live from Gillette for the first Patriots' Monday, with Mike Vrabel! // Mike Vrabel joins, talks Diggs, Maye, O-line and meaningful football // Curtis recognizes a quiet confidence with Vrabel which should bode well // Curtis recognizes a quiet confidence with Vrabel which should bode well // The Sox are once again on the upswing and confidence is rising // Wiggy says the young guys take older player advice with a grain of salt // The News With Courtney: again, there's something up in the ocean // Our favorite new AD from Rhode Island is paying the price // Curtis says Vrabel is banking on Diggs to have a huge year // There's something up with the NFL // Curtis still doesn't understand why Eliot Wolf is employed by the Patriots // There has never never been this much hype surrounding a 4th string QB // Keefe joins for the crossover as the guys predict Diggs' numbers //

Our favorite new AD from Rhode Island is paying the price // Curtis says Vrabel is banking on Diggs to have a huge year // There's something up with the NFL //

Welcome to Monday! Things get started with the "New plan" from The Felon President about FEMA, what the states need to do to "step up" and what some inside the agency are trying to tell the administration. Next; a $4 billion project in Rhode Island that is 80% completed is being stopped, because this isn't dominating energy enough....I guess? Then, we welcome Civic Media News Director Chali Pittman because it's Monday and she catches us up on all the news we may have missed over the weekend, including getting to know the JCRAR and the wild wild west that is THC in Wisconsin. As always, thank you for listening, texting and calling, we couldn't do this without you! Don't forget to download the free Civic Media app and take us wherever you are in the world! Matenaer On Air is a part of the Civic Media radio network and airs weekday mornings from 9-11 across the state. Subscribe to the podcast to be sure not to miss out on a single episode! You can also rate us on your podcast distribution center of choice. It goes a long way! Guest: Chali Pittman

Welcome to Tide Talk!Andrew, Timmy, Matt, Ryan & Matt talk RIFC's embarrassing 3-0 USL Championship derby loss in Hartford, share your takes and MORE!Up The Tidehttps://linktr.ee/tidetalkri

Allen discusses the halting of Revolution Wind by the Bureau of Ocean Energy Management (BOEM). The order comes as part of a larger political motion to stop renewable energy in the US. Sign up now for Uptime Tech News, our weekly email update on all things wind technology. This episode is sponsored by Weather Guard Lightning Tech. Learn more about Weather Guard's StrikeTape Wind Turbine LPS retrofit. Follow the show on Facebook, YouTube, Twitter, Linkedin and visit Weather Guard on the web. And subscribe to Rosemary Barnes' YouTube channel here. Have a question we can answer on the show? Email us! Welcome to Uptime News. Flash Industry News Lightning fast. Your host, Allen Hall, shares the renewable industry news you may have missed. Allen Hall 2025: There's a man from North Dakota who knows something about pipelines. His name is Doug Bergham, and last Friday, August 22nd, as Secretary of the Interior, he pulled the plug on another big energy project. Bergham ordered a halt to revolution wind. That's an offshore wind farm being built by Osted. 80% complete. 45 wind turbines already spinning in the ocean off the coast of Rhode Island Friday, they stop spinning. Revolution Wind was set to power 350,000 homes in Rhode Island and Connecticut. But Ham's Bureau of Ocean Energy Management said the project needed more Review. [00:01:00] Rhode Island Governor Dan McKee had called Revolution Wind Quote, essential to advancing the state's 100% renewable energy standard by 2033. Connecticut Governor Ned Lamont said The project was quote, a key part of our clean energy strategy to provide families, quote, clean, reliable, and affordable power unquote. Both governors celebrated when revolution wind got federal approval. Now their project sits frozen in the water. Earlier this month, Bergham also canceled a massive wind project in Idaho. His interior department has vowed a comprehensive review of all wind projects. A review that could halt wind development on all federal land. Now here's what you need to know about Doug Bergham when President Biden canceled the Keystone XL Pipeline back in 2021. Bergham. Was furious. [00:02:00] He said revoking the permit was wrong for the country. Said it would have chilling effect on private sector investment in much needed infrastructure projects, unquote. Bergen said, when the federal government stops projects under construction, it hurts working families and discourages future investments. Bergham has always been clear about protecting investors. At a political conference speech in 2023, he laid out his principle quote, if you put capital into a project that's related to fossil fuels, or a project related to critical minerals and mining, if somebody comes along in the future, administration with an executive order, if they want to wipe out what you've invested in. They've got to write you a check to pay for your lost capital. That was Bergen's rule. If government stops your fossil fuel project, well, government pays you back. That Keystone XL Pipeline would've carried [00:03:00] 830,000 barrels of oil daily through Bergen's home. And Bergham is not alone in his disdain for Wind Energy. Energy Secretary Chris Wright calls wind and solar, unreliable and worthless commerce. Secretary Howard Lunik launched a national security investigation into wind turbine imports Transportation Secretary Sean Duffy Once Wind turbines kept at least 1.2 miles from highways. EPA administrator Lee Den is weakening regulations that support renewables. It's a coordinated government assault on one of America's cheapest forms of electricity. Earlier this year, Bergham also stopped Empire Wind off New York's Coast, $5 billion worth of construction, 30% complete. At the time. He said the Biden administration rushed the approval. But here's the curious part. [00:04:00] Bergham let Empire Wind restart after New York. Governor Kath Hoel made a deal. She agreed to allow new natural gas pipelines ...

TRENDING - An illegal migrant trucker accused of killing 3 in a Florida crash gains support from more than 2 million petition signers seeking leniency. Bill Maher praises Gavin Newsom's social media strategy against President Trump. A CNN investigation reveals the Clinton Foundation honored Ghislaine Maxwell years after abuse allegations surfaced. A Rhode Island prosecutor is placed on leave after a drunken police encounter goes viral. Plus, Florida home purchases are being canceled at record rates.

Binnen een paar uur ging het van gerucht naar geschiedenis. Het bedrijf achter Douwe Egberts en Pickwick vind je binnenkort niet meer in Amsterdam, maar in New York. JDE Peet's wordt overgenomen door het bedrijf achter Dr Pepper en 7Up. Dat deed een bod van 18 miljard dollar, en dat bleek onweerstaanbaar. Moeten we er treurig om zijn? En wie is de volgende die het Damrak laat voor wat 't is? Dat hoor je in deze aflevering. En dan hebben we het ook over Intel. Het is officieel: de Amerikaanse regering bezit tien procent van het bedrijf. In ruil daarvoor krijgt het de al eerder beloofde subsidie van 9,5 miljard dollar. Maar een saillant detail is dat de chipmaker zelf laat doorschemeren dat het die deal tegen heug en meug gesloten heeft. Het gaat ook nog - alweer - over AI. Apple geeft soort van toe dat het de zaken niet op orde heeft, want het is zelfs bereid om de AI van Google in te kopen om daar Siri eindelijk eens een beetje beter mee te maken. En Meta krijgt het ook niet voor elkaar om de beste te zijn, en koopt het daarom bij startup Midjourney. En er was meer te doen: Een koersval van het Deense Ørsted, nadat de Amerikaanse overheid een einde maakt van een windpark voor de kust van Rhode Island dat al bijna af was. Italiaanse zakenbank UniCredit kruipt weer een beetje dichterbij de overname van Duitse concurrent Commerzbank. Netflix scoort voor het eerst een échte bioscoophit. En je hoort over de DJ-ambities van Niels Koerts. See omnystudio.com/listener for privacy information.

In this episode of Energy Newsbeat Daily Standup, Michael Tanner and Stu Turley break down Jerome Powell's latest Fed comments and what they mean for oil and gas investors. They explore the continued surge in U.S. LNG exports, shifting gas dynamics in the Permian, and how natural gas is reshaping investment strategies. The team also discusses the ripple effects of Trump's sanctions on India and the potential threat to the U.S. dollar. Plus, they cover ERCOT's record-breaking project cancellations, a major federal halt to Ørsted's Rhode Island wind farm, and a closer look at the rumored Crescent-Vital Energy merger.Subscribe to Our Substack For Daily InsightsWant to Add Oil & Gas To Your Portfolio? Fill Out Our Oil & Gas Portfolio SurveyNeed Power For Your Data Center, Hospital, or Business?Follow Stuart On LinkedIn: https://www.linkedin.com/in/stuturley/ and Twitter: https://twitter.com/STUARTTURLEY16Follow Michael On LinkedIn: https://www.linkedin.com/in/michaelta... and Twitter: https://twitter.com/mtanner_1Timestamps:00:00 - Intro00:13 - What Does Powell's Comments in Jackson Hole Mean to the Oil and Gas Markets and Investors?03:51 - Surging US LNG Exports Fuel Growth in US Shale08:23 - President Trump's Tariffs and Sanctions on India Will Do More Damage to the U.S. Dollar in a Boomerang10:59 - ERCOT Project Cancellations Reached a Record in Q2 2025, and What is Next?13:31 - US Orders Ørsted to Halt Rhode Island Wind Farm Construction19:16 - Markets Update20:53 - US Rig Count Falls as Drillers Play it Safe21:11 - Frac Count Update21:27 - Crescent Energy nears deal for US shale peer Vital Energy, sources say25:04 - OutroLinks to articles discussed:What Does Powell's Comments in Jackson Hole Mean to the Oil and Gas Markets and Investors?Surging US LNG Exports Fuel Growth in US ShalePresident Trump's Tariffs and Sanctions on India Will Do More Damage to the U.S. Dollar in a BoomerangERCOT Project Cancellations Reached a Record in Q2 2025, and What is Next?US Orders Ørsted to Halt Rhode Island Wind Farm ConstructionUS Rig Count Falls as Drillers Play it SafeCrescent Energy nears deal for US shale peer Vital Energy, sources say

Originally published June 5, 2022. The untimely death of an outspoken advocate for foster children reveals his despicable double life. Prelude: A tragedy occurs after a woman in Rhode Island adopts eight children with developmental issues. –––-–---------------------------------------- BECOME A VALUEDLISTENER™ ⁠⁠Spotify⁠⁠ ⁠⁠Apple Podcasts⁠⁠ ⁠⁠Patreon⁠⁠ –––-–---------------------------------------- DONATE: ⁠⁠SwindledPodcast.com/Support⁠⁠ CONSUME: ⁠⁠SwindledPodcast.com/Shop⁠⁠ WATCH: ⁠⁠SwindledVideo.com⁠⁠ –––-–---------------------------------------- MUSIC: ⁠⁠Deformr⁠⁠ –––-–---------------------------------------- FOLLOW: ⁠⁠SwindledPodcast.com⁠⁠ ⁠⁠Instagram⁠⁠ ⁠⁠Twitter.com⁠⁠ ⁠⁠TikTok⁠⁠ ⁠⁠Facebook⁠⁠ Thanks for listening. :-) Learn more about your ad choices. Visit podcastchoices.com/adchoices

Some trees are old — and then there's S'Ozzastru. Nestled near the village of Luras on the island of Sardinia, this ancient olive tree has stood for nearly 4,000 years. Also known as "The Great Patriarch" or "The Patriarch of Nature," the bronze age tree is a living witness to the rise and fall of civilizations.How has it endured for millennia? Who, across the centuries, has found shelter beneath its branches? And will the millennial olive trees of Sardinia continue to survive?Join us as we travel to the heart of the Mediterranean in search of secrets to one of the world's oldest living trees.

A one year course for students of the occult in their quest for wisdom, revelation and enlightenment.In the third volume of his popular series of textbooks for students of the Western mystery tradition, John Michael Greer conducts training for a self-taught course for students to advance to the third degree of the Golden Section Fellowship.Building on the lessons and meditations of The Way of the Golden Section and The Way of the Four Elements, Greer presents an accessible guide for students to comprehend and access more of their own inner capabilities, bringing them closer to – and allowing them to experience for themselves – the transcendent spiritual realities at the heart of things.Drawing on teachings from the Universal Gnostic Church, American occult teachings, and temple tradition, The Way of the Secret Temple is divided into seven circles of studies and practices, each taking at least a month to complete. Students embarking on this course will become proficient in working with sacred geometry in temple design, using palm centres to heal and bless, fulfilling the duties of each of the five minor orders of the Universal Gnostic Church, and will develop their skills of communing with the spirits of the elements – as well as much more!The Way of the Secret Temple is the third step for students of the occult to continue developing and honing the skills essential for a magical education.John Michael Greer is the award-winning author of more than fifty books, including The New Encyclopedia of the Occult, The Druidry Handbook, The Celtic Golden Dawn and Circles of Power: An Introduction to Hermetic Magic. An initiate in Freemasonry, the Hermetic Order of the Golden Dawn, the Martinist Order, and three Druid traditions, Greer served as the Grand Archdruid of the Ancient Order of Druids in America (AODA) for twelve years. He is also the author of seventeen fantasy and science fiction novels and ten nonfiction books on peak oil and the future of industrial society. He lives in Rhode Island and blogs weekly on politics, magic, and the future at www.ecosophia.net.Become a supporter of this podcast: https://www.spreaker.com/podcast/earth-ancients--2790919/support.

A viral clip of a Rhode Island Attorney General being arrested for trespassing and her friend who Christian is very fond of in the New England Nightly News.

A thousand facets sits with Heather Guidero, they talked about her upbringing in rural Indiana, moving to Rhode Island for college and how travel has informed her voice. About: “Settling in at my bench and picking up my favorite antique files is as natural and reflexive as breathing. There's something comforting about the feel of my favorite tools in hand and being able to turn a sheet of metal or length of wire into a piece of jewelry that will be treasured and worn on a regular basis.” The graphic lines, textures, and patterns of her work are inspired by elements of modernist design, fashion, and urban architecture translated into ethically-sourced gold and silver. Select pieces are accented by brilliant diamonds or colorful gemstones. Innately wearable, Heather's collection boldly accentuates your personal style, her considerations of natural movement enabling the jewelry to come alive when worn. You can follow Heather on Instagram @heatherguiderojewelry or his website https://www.heatherguidero.com Please visit @athousandfacets on Instagram to see some of the work discussed in this episode. Music by @chris_keys__ Learn more about your ad choices. Visit podcastchoices.com/adchoices

Jillian Michaels is NOT happy with Netflix after their new 'Biggest Loser' documentary, dropping receipts against Bob Harper and BL producers! Plus, Rhode Island Assistant Attorney General Devon Hogan Flanagan goes viral after being detained for refusing to leave a Newport restaurant. And Prince William has no intentions of making nice with Price Harry or Meghan Markle.    Reduce cravings + boost metabolism with APPETITIE from The Wellness Company. Head to www.twc.health/nofilter and use code NOFILTER to save 15% off + FREE Shipping on all orders.    Find out why Nutrafol is the best-selling hair growth supplement brand at www.Nutrafol.com and use promo code NOFILTER.    Shop New Merch now: https://merchlabs.com/collections/zack-peter?srsltid=AfmBOoqqnV3kfsOYPubFFxCQdpCuGjVgssGIXZRXHcLPH9t4GjiKoaio   Book a personalized message on Cameo: https://v.cameo.com/e/QxWQhpd1TIb   Listen to The Pop Report: https://podcasts.apple.com/us/podcast/the-pop-report/id1746150111   Watch Disaster Daters: https://open.spotify.com/show/3L4GLnKwz9Uy5dT8Ey1VPi   Join the Zack Pack Community to get access to perks: https://www.youtube.com/channel/UCs3Zs51YaK-xw2U5ypi5eqg/join   Couldn't get enough? Follow @justplainzack or @nofilterwithzack

Dave Kunz, ABC7 Car Specialist, Electric cars just got cheaper than ever — some drivers can now lease an EV for under $100 a month! Meanwhile, Volkswagen sparks outrage with a “pay-to-unlock horsepower” subscription model that has buyers fuming. A U.K. restaurant is making waves with a menu that serves water like fine wine, while a pilot was arrested after failing a sobriety test just minutes before takeoff. – David Vassegh, Dodgers Update-- Dodger fans, get ready — insider David Vassegh breaks down the latest team drama and playoff buzz. Bodycam footage shows a Rhode Island prosecutor arrested for trespassing telling officers, “You're gonna regret this.”

Story #1: Will opens with a monologue on global power and local decay. From Presidents Trump, Putin, and Zelensky weighing peace in Ukraine to shocking crime stories out of Boston, Chicago, and Rhode Island, Will ties it all back to a simple truth: problems aren't intractable. They can be solved if leaders have the will. Story #2: Senator Eric Schmitt (R-MO), author of 'The Last Line of Defense: How to Beat the Left in Court,' joins Will to break down the legal battles he led against COVID mandates, censorship, and Soros-backed prosecutors, and why accountability is the only way to restore order. They also dive into Gov. Gavin Newsom's (D-CA) recent “crash out” and what it reveals about today's Democratic Party. Story #3: Will is called out by Secretary of Defense Pete Hegseth and HHS Secretary Bobby Kennedy Jr. to complete the “Pete & Bobby Challenge”: 100 push-ups and 50 pull-ups in under five minutes. Can he do it? Plus, the mob comes after Lamar Jackson for reposting Charlie Kirk and who helped kill MSNBC as the network rebrands to 'MS Now.' Subscribe to 'Will Cain Country' on YouTube here: Watch Will Cain Country! Follow Will on X: @WillCain Learn more about your ad choices. Visit podcastchoices.com/adchoices

With the big meeting yesterday seeking peace in Ukraine, the European leaders came out and praised President Trump. Then, a drunk Rhode Island pol tells cops she's an "AG" while getting cuffed.  Visit the Howie Carr Radio Network website to access columns, podcasts, and other exclusive content.

The Rhode Island Assistant AG Devon Flanagan was arrested after she would not leave, and played the "do you know who I am" game.  Visit the Howie Carr Radio Network website to access columns, podcasts, and other exclusive content.

A Washington Democrat admits that his party’s policies have been too soft on crime. A new report says that Sound Transit still has plenty of work to do on the safety front. MSNBC is getting a new name due to its split with NBC. // Big Local: A Bellevue man is accused of his murdering his wife, but he has dementia. A Scottish TikToker says Spokane is the ‘best place’ he’s ever lived. We finally have the opening date for Washington’s first In-N-out location. // You Pick the Topic: An Assistant Attorney General in Rhode Island was arrested for trespassing and the body camera footage is glorious.