Podcast appearances and mentions of ruth ann

This week on Everything You Didn't Know About Herbalism, we are joined by the profoundly talented and prominent Native American gallerist, documentary filmmaker, writer, and passionate entrepreneur, Ruth-Ann Thorn. As a member of the Rincon Band of Luiseño Mission Indians, Ruth-Ann joins us for a conversation surrounding why cultural representation and awareness for Native American peoples is crucial throughout every industry and community—whether that be art, filmmaking, wellness, herbalism, and everything in-between. As always, we thank you for joining us on another botanical adventure and are honored to have you tag along with us on this ride. Remember, we want to hear from you! Your questions, ideas, and who you want to hear from are invaluable to our podcast. Email us at podcast@mountainroseherbs.com to let us know what solutions we should uncover next within the vast world of herbalism.  “Just because we can't speak the language of water, does not mean that water does not have a language.” – Ruth-Ann Thorn  Learn more about Ruth-Ann below! ⬇

Alex Gruskin talks with the coaches of the winning teams from the Big 12 Championship tournament. Don't forget to give a 5 star review on your favorite podcast app! In addition, add your twitter/instagram handle to the review for a chance to win some FREE CR gear!! Laurel Springs Ranked among the best online private schools in the United States, Laurel Springs stands out when it comes to support, personalization, community, and college prep. They give their K-12 students the resources, guidance, and learning opportunities they need at each grade level to reach their full potential. Find Cracked Racquets Website: https://www.crackedracquets.com Instagram: https://instagram.com/crackedracquets Twitter: https://twitter.com/crackedracquets Facebook: https://Facebook.com/crackedracquets YouTube: https://www.youtube.com/c/crackedracquets

Managing MS means staying focused not only on your MS but also on your overall health. That includes getting routine health screenings to stay ahead of potential complications. Recent research has shown that, compared to healthy people, people with MS are more likely to develop some cancers.    Clinician-scientist Dr. Ruth Ann Marrie joins me to discuss which cancers pose a greater risk to someone with MS, why you need to make those appointments for cancer screenings, where you can find low-cost or no-cost cancer screenings, and things you can do to further minimize your risk of developing cancer. Dr. Marrie is a professor of medicine and the Multiple Sclerosis Clinical Research Chair at Dalhousie University in Canada. She's a past recipient of the Barancik Prize for Innovation in MS Research and is recognized as one of the world's leading MS experts. We'll also explain how and why we're going to be discussing the impact of those devastating federal budget cuts and mass layoffs in the federal agencies responsible for healthcare and MS research on this podcast. We'll tell you about the FDA's decision to grant priority review to Tolebrutinib. (We'll also explain why Tolebrutinib isn't just another DMT. We're even sharing the projected date when the FDA will make its approval decision!) And you'll learn what happened when a research team set out to identify the diversity-related characteristics of the MS population in Canada. We have a lot to talk about! Are you ready for RealTalk MS??! How we'll be talking about the impact of public policy on people affected by MS (and why we must)  :22 Hear what's on the minds of some of the attendees at last week's National MS Society Public Policy Conference  3:55 This Week: The importance of cancer screenings for people with MS  12:52 Tolebrutinib, an investigative DMT from Sanofi, is granted priority review by the FDA  13:44 What happened when researchers set out to identify the diversity-related characteristics of the MS population in Canada  17:56 Dr. Ruth Ann Marrie discusses the importance of cancer screenings for people living with MS  20:02 Share this episode  30:03 Have you downloaded the free RealTalk MS app?  30:23 SHARE THIS EPISODE OF REALTALK MS Just copy this link & paste it into your text or email: https://realtalkms.com/396 ADD YOUR VOICE TO THE CONVERSATION I've always thought about the RealTalk MS podcast as a conversation. And this is your opportunity to join the conversation by sharing your feedback, questions, and suggestions for topics that we can discuss in future podcast episodes. Please shoot me an email or call the RealTalk MS Listener Hotline and share your thoughts! Email: jon@realtalkms.com Phone: (310) 526-2283 And don't forget to join us in the RealTalk MS Facebook group! LINKS If your podcast app doesn't allow you to click on these links, you'll find them in the show notes in the RealTalk MS app or at www.RealTalkMS.com Become an MS Activist Web: https://nationalmssociety.org/advocacy Email: msactivist@nmss.org VIDEO: Tolebrutinib and Non-Relapsing Secondary Progressive MS with Dr. Robert Fox https://realtalkms.com/tolebrutinib1 VIDEO: Tolebrutinib and Relapsing-Remitting MS with Dr. Jiwon Oh https://realtalkms.com/tolebrutinib2 VIDEO: RealTalk MS 2025 ACTRIMS Forum YouTube Playlist https://realtalkms.com/actrims STUDY: Characterizing the Diversity of the Multiple Sclerosis Population in Canada: A Scoping Review https://journals.sagepub.com/doi/10.1177/20552173251321814 STUDY (PLAIN ENGLISH VERSION): Characterizing the Diversity of the Multiple Sclerosis Population in Canada: A Scoping Review https://tremlettsmsresearchexplained.wordpress.com/2025/03/20/characterizing-the-diversity-of-the-multiple-sclerosis-population-in-canada-a-scoping-review-explained Join the RealTalk MS Facebook Group https://facebook.com/groups/realtalkms Download the RealTalk MS App for iOS Devices https://itunes.apple.com/us/app/realtalk-ms/id1436917200 Download the RealTalk MS App for Android Deviceshttps://play.google.com/store/apps/details?id=tv.wizzard.android.realtalk Give RealTalk MS a rating and review http://www.realtalkms.com/review Follow RealTalk MS on Twitter, @RealTalkMS_jon, and subscribe to our newsletter at our website, RealTalkMS.com. RealTalk MS Episode 396 Guests: Dr. Ruth Ann Marrie Privacy Policy

On this episode of Growing Kentucky's Leaders, Sheldon and Ruth Ann are joined by Robin Alexander — Operations Manager at Republic Services — to discuss exciting career opportunities for Kentucky FFA members. Robin shares insights into the company's partnership with Kentucky FFA Works, the value of hands-on learning and the benefits of starting a career with Republic Services.Links:Republic ServicesKentucky FFA Works

Virginia and Steve are joined by Ruth Ann Rousseau, a caregiver and support group leader, to discuss the vital role that support groups play for dementia caregivers. Ruth Ann highlights how these groups provide resources, confidence, and community while addressing the challenges of participation. She compares online and in-person meetings and encourages caregivers to seek support, stay open to learning, and prioritize self-care. The discussion concludes with a reminder to persist in finding the right support system and advocating for personal well-being.

We have the honor of hosting Ruth-Ann on today's episode with guest host Arvina Martin and producer Haley Cherry! Stay tuned to hear the conversation.

Hey friends, today's episode is incredibly special. It's a tribute to a life well-lived, a life of impact, faith, and purpose. My dear friend, Ruth Ann Polston, went to heaven last week, and while my heart misses her deeply, I am beyond grateful for the time I had to sit at her feet and learn from her wisdom.A few years ago, I had the honor of bringing Ruth Ann into the studio for a podcast conversation, and today, I want to share that with you. She was 92 (or 93!) at the time, and she radiated wisdom, joy, and the kind of faith that leaves a lasting impact.In this episode, we talk about the power of words, how they shape our lives, and why what we speak matters. Ruth Ann lived her life with intention, always making a difference in the lives of those around her. Whether she was in a restaurant, a hospital, or a nursing home, she made sure people knew they were valued. Her words always lifted, encouraged, and spoke life into others.I hope this conversation blesses you as much as she blessed me.In This Episode, You'll Learn:Why the words you speak shape your future and the lives of those around you.The biblical foundation of speaking life and why God created the world with His words.How Ruth Ann's faith and declarations shaped her long and impactful life.The importance of flipping the narrative and speaking God's truth over yourself.Stories of encouragement, faith, and the lasting legacy of words well spoken.Ruth Ann's life was a testament to the power of words. Today, I challenge you to think about the words you're speaking over yourself, your family, and your future. Are they words of life? Are they shaping the world you want to live in?If this episode blessed you, share it with someone who needs encouragement today. Let's honor Ruth Ann's legacy by choosing to speak life, love, and faith into every situation.Friends, you are more, and you are made for more. Let's live intentionally, just like Ruth Ann did.Connect With Us:Website: https://www.youaremore.comFree Download: 5 Steps to Win Through AdversitySocial Media: Follow us on Facebook and InstagramEmail: amy@amywienands.comEpisode Minute By Minute:0:00 – Honoring the life and legacy of Ruth Ann Polston.2:34 – How Amy and Ruth Ann's paths crossed and the impact of divine connections.6:00 – The power of the spoken word and why it's creative.9:16 – How God created the world by speaking—and how we reflect that power.12:00 – Life and death are in the power of the tongue: Why words matter.14:29 – Declaring truth over your children, your family, and your future.18:00 – How Ruth Ann's words shaped the atmosphere around her.21:00 – A powerful testimony of faith: Overcoming challenges with the right words.28:00 – The impact of speaking against negative thoughts and standing on God's promises.34:00 – Final reflections: Ruth Ann's legacy and how we can honor her through our words.Be intentional, stay focused, and remember you are more!

On this episode of Growing Kentucky's Leaders, Sheldon and Ruth Ann welcome back Kentucky Commissioner of Agriculture Jonathan Shell. Jonathan reflects on his first year in office, sharing key highlights like boosting agricultural economic development, championing the "Food is Medicine" initiative and introducing agriculture education into elementary schools. He also dives into the importance of fostering leadership in FFA, building connections for Kentucky agriculture on a national stage and creating a culture of innovation and gratitude within his team. Links: Kentucky Department of Agriculture Garrard County FFA Food is Medicine Give FFA Day Sign up for our newsletter! Caroline Groth Ag Tag program CASA of Lexington

On this episode of Growing Kentucky's Leaders, Sheldon and Ruth Ann chat with Sarah Butler, Recruitment Coordinator at Wright Implement. Sarah shares her inspiring journey from education to agriculture and highlights her passion for helping students find fulfilling career paths. They discuss the value of career exploration, the opportunities available at Wright Implement and the transformative Kentucky FFA Works program. Links: Wright Implement Precision Ag Kentucky FFA Works 2025 Kentucky FFA Works application Vincennes University John Deere Partnership kyffa.org Sign up for our newsletter! sbutler@wrightimp.com

Growing Kentucky's Leaders co-hosts Sheldon McKinney and Ruth Ann Fink as they celebrate a year of fostering leadership across Kentucky through heartfelt conversations and inspiring stories. From impactful advice to community contributions, discover how leaders are making a difference in the Bluegrass. Links: Top Moments of 2024: Part 1 Top Moments of 2024: Part 2 First episode of Growing Kentucky's Leaders The Ruthless Elimination of Hurry Nick Carter episode Certified Fund Raising Executive (CFRE) Nuuly Walking pad

Keith discusses the pros and cons of investing in single-family rentals versus apartment buildings. He highlights that less than 10% of U.S. building materials are imported, reducing the impact of tariffs. Single-family rentals offer better tenant quality, lower vacancy rates, and higher appreciation potential. They also have lower financing costs and are more divisible.  Conversely, apartment buildings offer economies of scale and lower per-unit maintenance costs. He emphasizes the importance of owning more property, especially new-builds, which offer lower insurance premiums and attractive financing options Work with expert investment coaches to find the best off-market deals and maximize your returns.  GRE Free Investment Coaching: GREmarketplace.com/Coach For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com Show Notes: GetRichEducation.com/535 Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  You get paid first: Text FAMILY to 66866 Will you please leave a review for the show? I'd be grateful. Search “how to leave an Apple Podcasts review”  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— text ‘GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Automatically Transcribed With Otter.ai    Keith Weinhold  0:01   welcome to GRE. I'm your host. Keith Weinhold, talking about how most home building materials are US sourced and not affected by tariffs, the little understood pros and cons of investing in apartment buildings versus single family rental homes, then what really makes sense to invest in in this particular era and more today on Get Rich Education.   Speaker 1  0:28   since 2014 the powerful get rich education podcast has created more passive income for people than nearly any other show in the world. This show teaches you how to earn strong returns from passive real estate investing in the best markets without losing your time being a flipper or landlord. Show Host Keith Weinhold writes for both Forbes and Rich Dad advisors and delivers a new show every week since 2014 there's been millions of listener downloads of 188 world nations. He has a list show, guess who? Top Selling personal finance author Robert Kiyosaki, get rich education can be heard on every podcast platform, plus it has its own dedicated Apple and Android listener phone apps build wealth on the go with the get rich education podcast. Sign up now for the get rich education podcast or visit get rich education.com   Corey Coates  1:13   You're listening to the show that has created more financial freedom than nearly any show in the world. This is get rich education.   Keith Weinhold  1:29   Welcome GRE from Tallahassee, Florida to Waxahachie, Texas and across 188 nations worldwide. I'm Keith Weinhold, and you are inside, G, R, E, we are here for you every Monday, without fail, 52 weeks a year, and we have never replayed an old episode either, always original content. Thanks for being here, but you're not here for me. You are here for you as another year dawns before we get into the meaty real estate content of today's show, including single family rentals versus apartments. Take a moment to check in with your own goals. Maybe you think about that is just buying your first investment property, or maybe you own 83 rental units, and you're looking to get to 100 this year. But no matter really real estate is just the fuel for your goal. It's probably not the end goal itself is your goal to have the time freedom to watch all of your kids basketball games this year. What about beyond this year? Are you really dreaming big enough you've got to question yourself on that sometimes, for example, forget flying first class. What if you want to own your own private jet, like Taylor Swift's luxurious Dassault 7x jet for $54 million? how about real estate fueling a dream that's even bigger than that? Yet, last month, the Philadelphia Eagles received the NFL approval for the sale of an 8% interest of the team to two different family investors. Okay, do you find say that interesting owning part of a major pro sports team. And by the way, what would something like that look like for you? I mean, do you even have the headspace to conceive of such a thing? It's good to ask yourself questions like this. Sometimes that sale was based on a valuation of the team of up to $8.3 billion and yet, after all that, the Eagles owner Jeffrey Lurie, he still maintains complete control of the team. Okay, so if each of the two family investors got a 4% interest at this valuation, that is up to a $332 million investment for each family. Maybe that could be a Weinhold the family goal. We'll see about that one. And you know, when it comes to making yourself a bigger you and dreaming a bigger dream, I like to listen to what the doers say. I found it so interesting in a Jeff Bezos interview at the deal book Summit, Bezos said it's human nature to overestimate risk and underestimate opportunity. Bezos also said entrepreneurs would be well advised to try and bias against that piece of human nature, the risks are probably not as big as you perceive, and the opportunities may be bigger than you perceive. That's the end of what bezel said. I really think that that's spot on stuff. now two weeks ago, when I gave GREs national home price appreciation forecast for this year. You might remember that I said that potential Trump tariffs just don't matter as much as people think when it comes to real estate. And understanding more about why I say this, it can help you understand real estate materials and sourcing and home building in the United States, America's overwhelming majority of sourced building materials are not imported, so therefore something like a supply chain bottleneck that's more worth watching, really. It's a huge misunderstanding of the home building market to assume that most building materials come from overseas. They do not, not even 10% of residential construction building materials are imported. The National Association of Home Builders will tell you so. And really, the majority of those few imports that do come from elsewhere, they come from, Canada in the form of timber. You might have heard about that before. Now, there are some things like finishes and fixtures that get sourced from, oh, various other countries, but yeah, the biggest potential tariff expense impacting home builders would come from enacting a cost on Canadian lumber. But I and a lot of economists as well, they're pretty skeptical that the administration would really enact a tariff on a close ally like that, on Canada's raw materials. In fact, Chief Economist Lawrence Yoon of the NAR he conceded that even potential lumber tariffs, they might be given a phasing in period, and that would encourage American timber mills to fill in any production gap. It's also important to you know, remember that doors, windows, cabinets that builders utilize, they are typically produced within us, borders. Windows, doors, cabinets made domestically, unless it's something that relies on raw materials that are imported, they ought to be little affected by tariffs. One example is that kitchen sinks now they largely went from being sourced in China, then Malaysia, then Indonesia, and one main customer is now talking about sourcing them out of Mexico or the Dominican Republic. So there are a few things that less than 10% that's imported. Another imported item is flooring, which moved away from China, went to India for a while, went a little bit back to Brazil, and now more is being sourced by Ecuador. But the important thing to remember is that these are outlier components. Not even 10% of residential construction building materials are imported. That's what you want to remember, concrete, us, rebar, us. So you know, as a real estate investor, you can feel good that as your portfolio grows, each one of your properties was chiefly built with us, labor that you already knew, but it is also built predominantly with us, materials as well. How likely are single family rental investors to say that they want to buy more investment property this year. Well, year ago, 60% of them said that. Today it is up to 76% yes, that many say that they are either likely or very likely to buy single family rental property in the next 12 months, and that same group that was surveyed is also unlikely to sell their property, and they also said that they are more likely to raise the single family rent this year. And all this is according to a joint lending one resi club survey. However, most fall in the range of raising the rent between just 1% and 6% this year, so pretty modest rent increases. In fact, in every region of the US, the majority of single family rental investors describe their rental market as either strong or very strong. But can you guess the weakest region? Okay, this region is the one that still has a majority of landlords that say that their market is strong, but yet the weakest of them all is the South West, and that is largely due to over building and in the survey, what expense increased the most the past 12 months? Well, number one is that 37% of respondents these landlords said it is still insurance premiums. Second place was that 23% say property taxes are increasing the most. And then third was. And 21% say that maintenance and repair costs have increased the most for them. So the top three expenses cited expense increases that is in order, are insurance, property tax, and then maintenance and repairs. And a few weeks ago, I discussed with you, you might remember about how upgrading or remodeling a unit that helps you in at least five different ways simultaneously. Let me talk about this, since I touched on raising the rent and a little comprehension test here. Do you remember what those five ways are? the five ways your help by upgrading or remodeling a unit. And no, these are not the famed real estate pays five ways when you upgrade a vacant unit for rent, or at times, you can even actually upgrade a unit while the tenant is still occupying the property, if it's not a disruptive upgrade type. Okay, I mean, sometimes that tenant can be appreciative that they're getting an upgrade while they live there, but the five ways that upgrading a unit helps you are, first, well, obviously it helps you be able to get more rent in cash flow. Secondly, you tend to attract a higher quality tenant. And then in a five plus unit apartment building, it also increases your noi, therefore a greater overall property value. Fourth is pride of ownership. And then fifth is that higher rents help you offset those erstwhile higher operating expenses.    And here's the thing, when you get free help from one of our GRE investment coaches, like you can do at GRE marketplace.com those properties are either already extensively renovated or they are completely brand new build. So because of that fact, this means that from day one, your rent income is already optimized. You already have the best chance of landing a quality tenant, and you get some sense of having a pride of ownership. And all of those things, they're already optimized for you. You don't have to tinker with anything else, because those GRE marketplace properties, more than 95% of them are either renovated or new build. I would say, using properties conducive to the BRRRR method, they would be the few exceptions there and on GRE marketplace, you can find lower cost renovated single family homes, up to million dollar apartment buildings, either new or renovated. And another pro tip here to help you with something actionable in a premium place to source your growing income property portfolio. You've heard me mention them before, is mid south home buyers, but I'll tell you more about what's going on with them. Yeah, they're an especially good place to add your portfolio if you either haven't invested outside of your home market before, or you don't have as much liquidity right now, because their prices are just 100 to 180k they are still in that range. And yes, that 100 to 180k that is indeed the entire capital price for the asset. So that means down payment and closing costs being about 25% therefore it's just 25k to 45k Yes, you can still get started for that little with a wonderfully renovated property in either Memphis or Little Rock. Those are the two markets where mid south home buyers operates, and they are some of the most investor advantage markets in the entire nation. And then the US is one of the most investor advantage markets in the world. And last month, I met and spoke with a 19 year old guy that lives in Dallas, and he just bought his first ever investment property from mid south home buyers in Memphis. And in fact, it was his goal to have his first income producing property at age 18, and he bought it the day before he turned 19, so he barely met that goal. But yeah, they are total pros at mid south they've been doing it for over two decades. They say that they are the nation's highest rated turnkey property provider. They might even be the first provider in the nation, if you like. They also manage the property for you, and their property managers are really aware that their investors, like you, seek a return on investment, so they often have a line a waiting list. To get their properties. Last I checked the line at mid south had shortened globally attractive cash flows an A plus rating with a better business bureau, and they've now renovated over 5000 houses. And over there, they do a lot of things with their management that you just wish every provider would do, there is zero markup on maintenance. Their average occupancy rate is almost 99% average renter stays more than three and a half years. And you know that three and a half years, that duration of tenancy that could be poised to go even higher now, with the affordability crisis for these want to be first time homebuyers now, most of what mid south has are single family rentals, quite a few duplexes too. Every home has brand new components, a full one year warranty, bumper to bumper, new 30 year roofs. And then the really important part expect a high quality renter that they screen and find in place for you. So let me give you an example of two real properties. And now, if these two aren't under contract already, they probably soon will be, since I'm mentioning them. And of course, duplexes cost more than single family rentals. This duplex is in Jacksonville, Arkansas. It's just northeast of Little Rock. It is 913 and 915 Ruth Ann drive, the combined rent from both sides is $1,775 the all in cost is about 210k 2099, in total, it's 1600 square feet. So 800 square feet each side, it's two bed, one bath each side. The Property taxes are really low, $1,300 a year, really nicely renovated with good quality materials. I mean, I love owning properties like this all day. So that's a duplex in the Little Rock market. Another one from mid south is this, Memphis single family rental. The address is 400 Bonita drive. It is $1,200 rent on a $148,100 purchase price. Gosh, those numbers work. This single family rental is three bed one and a half bath, 1164 square feet. Gosh. Again, low property tax in these regions, just $1,120 annually. All right, so that property tax rate is just three quarters of 1% of the purchase price. So really low on a national basis, a big backyard, eat in kitchen, separate laundry room, walking distance to schools. I mean, this is the type of property a tenant family could live in for five or 10 years, beautifully renovated. And I'm bringing these up because these are all at prices that Metro New Yorkers or coastal Californians can barely believe. So each property has hundreds of dollars of projected positive monthly cash flow. Each one increases your income 2000 to $5,000 per year. And I have personally toured mid south home buyers office in Memphis and their properties in person in Memphis. And I've seen their properties in each stage. I walked a tear down that they were doing, and I saw all the debris in the backyard. And I have seen their hardwood floors shine inside newly renovated property that I walked with both Terry and Liz from over there at Mid South. She is a pretty popular and extremely knowledgeable woman there. Liz, you can ask for her or one of her team members about getting on the list over there. Yes, these are 100k to 180k already renovated. Yes, that's truly the all in price, and they are in decent, working class pride of ownership neighborhoods in Memphis, Tennessee and Little Rock, Arkansas. And a lot of people get their start in investing there, I suspect it's now in the hundreds, with the number of GRE listeners that have bought from them. But even veteran investors, with dozens of units, they scoop up properties from them due to the low prices, some even pay gasp, all cash, yes, no leverage for them. And mid south homebuyers has investor tours monthly, where they load everyone on a bus, and you can check out the properties, because they are really proud of what they offer there coming up next, I'm comparing single family rental investments to apartments. But yeah, right there. That was a pro tip that really ought to help you out. Expect cash flow from day one. A 19 year old is doing it. You can start yourself at mid south homebuyers.com. More next. I'm Keith Weinhold. You're listening to get rich education.    Oh geez, the national average bank account pays less than 1% on your savings, so your bank is getting rich off of you. You've got to earn way more, or else you're losing your hard earned cash to inflation. Let the liquidity fund help you put your money to work with minimum risk, your cash generates up to a 10% return and compounds year in and year out. Instead of earning less than 1% in your bank account, the minimum investment is just 25k you keep getting paid until you decide you want your money back. Their decade plus track record proves they've always paid their investors 100% in full and on time. And you know how I'd know because I'm an investor in this myself, earn 10% like me and GRE listeners are. Text family to 66866, to learn about freedom. Family investments, liquidity fund on your journey to financial freedom through passive income. Text family to 66866.    Hey, you can get your mortgage loans at the same place where I get mine, at Ridge lending group NMLS, 420056, they provided our listeners with more loans than any provider in the entire nation because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage. You can start your pre qualification and chat with President Caeli Ridge personally. Start Now while it's on your mind at Ridge lendinggroup.com that's Ridge lendinggroup.com   Kathy Fettke  21:55   you this is the real wealth network's Kathy Fettke, and you are listening to The always valuable get rich education with Keith Weinhold.   Keith Weinhold  22:12   Keith, welcome back for the 535th week in a row you are listening to get rich Education. I'm your host, Keith Weinhold, and I'm really grateful to have you here if you self manage your properties. One software that can really simplify your life is called Hemlane, H, E, M, as in Mary, l, a, n, e, Hemlane. You might have heard about it before. I now know quite a few people that use it. It's been getting some really good reviews. You can manage your properties from anywhere, even through your phone. And Hemlane has got some really good integrations, and now it's more than just investors like you that are using it. Agents and property managers are using Hemlane too, from advertising to tenant screening to maintenance and repair and accounting, and I just learned that they recently got all of the state specific lease agreements integrated on their platform as well. That's why it was on top of mind. If you prefer to self manage and you want to make it easier, what you can do is book a free demo and they show you how it works. Over there, it's just hemlane.com where you can do that if you like. Let them know that I told you about it.    Before I share something else actionable with you, let's do some learning and talk about apartment buildings and single family rental properties, and compare the two, some pros and cons of each. And perhaps the most obvious advantage of apartment buildings is their economies of scale. A 12 unit apartment only has one roof to maintain and one insurance policy to maintain. Another efficiency is that shared common areas and plumbing and HVAC systems that can lower your individual maintenance costs on a per unit basis as well in those apartments. And right now, at this time in the mid 2020s, decade, another advantage of apartments is that this time in the cycle is where values are just about bottoming out. Apartment buildings in a lot of national regions have fallen 20% fallen, 25% or even fallen 30% or more from their highs that were seen two to three years ago, and that's due to those higher interest rates. And the reason that this is an advantage for apartments is that you might be able to buy low, buy the dip, apartment cap rate. Have settled in the mid five range. Now, well located Class A has dropped back into the fours. Long time investors already know about some of the advantages, but you know, even some long time investors, they often overlook some of the advantages that single family rental properties have over apartments. So let me share some of those with you. Now, as you know, I started off with my first two investment properties, both being four Plex buildings, and then after that, I added larger apartment buildings and single family rental properties, and I still do buy and own single family rentals. So let me tell you about why I love them. They might have the best risk adjusted return anywhere even after 2008 great recession. Those that bought single families for cash flow persevered with single families. You get a better quality of tenant than you do in apartments. They take care of the premises. They tend to be in a better neighborhood. Single families tend to appreciate better over time, and are also more likely to be in a better school district. Single families have a retention advantage. Tenants stay longer, and that creates less vacancy and expense, and the reason that they do stay longer are those aforementioned neighborhood and school district characteristics, common areas. You know, single family rentals, they don't have any common areas that you have to clean and maintain. I think I pointed that out to you before, because that's like an overlooked profit drag that I missed when I bought my first larger apartment building. Yeah, apartments have hallways and stairs and laundry rooms and commonal door grounds that a custodian has got to service. Single families have an advantage when it comes to utility payments, because tenants often pay all of the utilities and they even care for the lawn. The larger the apartment building is, the more likely that you are going to be the one paying the utility costs. Then there's divisibility. What if you've got a property that's underperforming out there and it just isn't meeting your expectations? Well, if you had, say, 10 single family rental homes, you can sell off the one or the two that aren't performing, but yet, with a 10 unit apartment building, you've either got to keep them all or sell them all. It is not divisible. What about fire and pestilence, something a lot of people don't talk about? I mean fire and pests. They are more easily controlled in single family rentals, even if you're adequately insured, these conditions often affect multiple units and families. They can spread in an apartment building. Financing is a huge one income single family homes, they have both lower mortgage interest rates than apartments and typically lower down payment requirements than apartments. I think you already know you can secure 10 single family rental loans, single 20 if you're married at the best rates and terms through Fannie Mae and Freddie Mac with just 20% down payments, you can even go less than 20% on non owner occupied in some cases, but apartments rarely, if ever, have 30 year fixed rate terms like single family rentals do, and this right here in particular, that really started bringing down a lot of apartment investors, beginning in 2022 and 2023 when their interest rates reset much higher, doubling, or even more than doubling. How about vacancy rate? It is true that if your single family is vacant, then your vacancy rates 100% if your say four Plex has one vacancy, well then your vacancy rates only 25% but yeah, the same is true if you own four single family rentals and one is vacant. How about management? If you hire professional management, your manager would likely rather deal with higher quality, single family residence. And if you're self managing, this is a demographic of people that you would likely rather handle yourself. Then there's supply and demand, there just absolutely still are not enough low cost, single families that make the best rentals nationally, demand still exceeds supply. That's the opposite condition for apartments, and this is something that's going to continue in the short and the medium term market risk that is an overlooked criterion. You've got to keep your properties filled with rent paying tenants that have jobs. If you think you'll be able to buy 10 rental units in the near future, well, your 10 unit apartment building that's only going to be in one location, and that's going to leave you exposed to just one geography's economic fortunes. But if you have 10 single families, you could have four of them in Central Florida, three of them in Fort Worth Texas, and three of them in Memphis. And you got to think about exit strategy. A lot of people don't think about this. Think about the exit before you even get in, because years down the road, when it's time to sell your income property, hopefully, after you've had years of handsome profits, and real estate pays five ways and all of that, you know what? Down the road, there is going to be a greater buyer pool for your single family rental than your apartment building. In almost every case, more buyers can afford the lower price, and unlike apartments, you even have access to a pool of buyers that might want to occupy the single family rental themselves. It might even be your current tenant that buys it, but the market and the numbers have to make sense for someone to want to buy an apartment building, but if an owner occupant buys it from you, that family doesn't have to have any numbers that make sense. So your single family rental is more liquid on your exit and professional management, that's another reason that single families can make sense. Because see single family rentals, they can be spread all over a metro area diffusely, and if you self manage, that is a lot of little trips that can get to be a hassle. But if you use a pro manager, well, they're the ones that have to manage the scattered sites. And a lot of times, managers don't charge you much more to handle your single families than they do your apartment buildings. So right now, there were a ton of advantages, a good 15 or 20 advantages there that single family rentals have over apartment buildings. And it's important I discuss them, because there are a lot of investors that don't factor all of those in. Even veteran investors tend to overlook some of those things. Again, I really like apartment buildings as well. They could very well be my second favorite investment to single family rentals, and I would like to now, with that understanding, really say something that I probably don't say quite often enough if you want to benefit from all these wealth building forces here that I've talked to on the show for for more than 10 years. You need to own more property, or get started with your first property.   Now I've already given you one great resource for that. And yes, what do they say? The turtle never got ahead until he stuck his neck out. Now the uncertainty, I mean uncertainty. That's just that condition that never completely abates. But in a sense, I think you can say today that the future is already here because we've got substantially more economic certainty and political certainty than we have had in recent years. The presidency was decided peacefully. Recession fears have abated. The Fed after screwing up with high inflation a few years ago, they have now engineered a soft landing, meaning lower inflation with still high employment. So now is a good time. What about real estate prices? I'll tell you something about that all of my investor life, every single property that I've ever bought, without exception, it felt aggressively priced at the time, and then, typically, it always happens when as little as one year or two years goes by, it already looked like a good decision. And I'd like to encourage you to do something else in this era, if you can swing it, buy new build property. That's something that wasn't always true. They do cost more. It's probably going to be 300k plus for a new build rental, single family home, but either way, be sure to own more property, existing or new benefit from what we talk about now. In some parts of the nation, including Florida, builders built a few too many properties, and they are willing to give you a discount for that. They might even cut the price a little and give you a rate discount, buying down discount points for you so that you can get a mortgage loan interest rate in the fives or even in the fours on new build income property right now in a volatile insurance market, new builds also have some super low insurance premiums because the property is built to today's more stringent codes. I mean, a. Just put an example out here. If you say, buy 10 rental, single family homes for $3 million total, 10 properties, 300k each. Okay, it's just 5% appreciation, which is what I projected for this year in our home price appreciation forecast. Two weeks ago, on $3 million worth of property, that's 150k per year, every year growing that you can pull out of the properties completely tax free. But to get that 150k per year tax free, you would have only had to make a 750k down payment and closing costs 25% on this that's not even counting the cash flow that the properties generate, plus your loan, of course, is simultaneously being paid down by tenants. And on top of that, inflation would just relentlessly debase your two and a quarter million dollars of fixed rate debt. Yes, all while the appreciation and the cash flow occurs, inflation debases your debt by another $67,500 every single year, and your tenant pays down some more principal on top of that. And then there are the other tax benefits too. And this is where you are massively getting ahead. All right, that was a $3 million portfolio, but if you can only do 1/10 of that own, just say one more new build, 300k single family rental, then you get 1/10 of those benefits that I mentioned, and either way, a total return on investment of 30% or more annually that is achievable. It's actually even conservative. I mean, just with the 5% appreciation, with four to one leverage, that's a 20% return just on the appreciation component alone.    And our GRE investment coaches can make this real for you. They can talk to you about these properties and others, including those mortgage rate buy downs into the fives and the fours properties in investor advantage markets in Ohio, Indiana, Illinois, Pennsylvania, Georgia, Oklahoma, Texas, Florida, Alabama, Mississippi, Tennessee, Arkansas and some others. In fact, let me give you two examples of what our investment coaches can help you with right now. This is pretty fun, actually, as I talk about these properties, because you might even end up owning the ones that I discuss right here on the show. The first of two is a brand new build, single family in Palma Coast, Florida. Gosh, it's a ranch home. Really good looking. Two car garage, is what I'm looking at here. It's 1200 square feet, three, bed, two, bath. It's called the Bing model, and it's got the type of layout that tenants really want today. I mean, your resident could stay there for a long time. $2,100, in rent for a purchase price of $289,900 I mean those numbers, along with the mortgage rate buy down to four and a half percent, plus new build insurance premiums that are going to be low. That really works today. That is really attractive there in Palm Coast, Florida. And the last one I'll mention is an older single family rental in Canton, Ohio. Yes, that's the home of the Pro Football Hall of Fame. The address is 2422 6th Street, Northwest in Canton. Rent of 1225, and a purchase price of just $135,000 The size is 1036 square feet, and it is four beds, one and a half baths. The renovations really look quite good. As you recall, those benefits of buying property that's already renovated, like I discussed earlier, all for 135k in today's market. So these properties and so many more like them, that's what our investment coaches can help you with. Their service is always completely free, but first what they do is they learn a little about you, and they can then put together an entire investment real estate portfolio for you, if you like. So they'll assess and evaluate what you've got, where you want to go, what property types are conducive to aligning with your strategy, and are there any best geographies for you? And more. So it's really important to stay in touch with your coach. I mean, we might find out, for example, tomorrow, that a home builder that we work with decided to offer some massive mortgage rate buy down incentives for you because, say, they built too much. So I really encourage you to set up that touch point for the first time, or to stay in touch and see what's happening, free coaching off market opportunities, and it's easy to set up a short meeting over the phone or on zoom with an investment coach. You can do that at GRE marketplace. It really can be quite a life changing venture for you from GRE marketplace.com just click on the coaching area until next week. I'm your host. Keith Weinhold, don't quit your Daydream.   Speaker 2  40:49   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  41:09   The preceding program was brought to you by your home for wealth, building, getricheducation.com.  

Send us a textRuth Ann Fink, the Development Officer for the Kentucky FFA Foundation, joins Caleb and Cassie to delve into the impactful work of the Kentucky FFA Association. Together, they explore the incredible range of opportunities FFA offers to young people across the state, from leadership development to hands-on agricultural experiences that empower the next generation of innovators and leaders.Learn more about Kentucky FFA hereBeyond Agriculture Link 

On this of Growing Kentucky's Leaders, Sheldon and Ruth Ann are joined by father-son duo Andrew Fritsch, an agriculture teacher and FFA advisor at Bourbon County High School, and Joe Fritsch, Bourbon County FFA member and Kentucky FFA State Talent winner. Andrew discusses his career as an agriculture teacher and Joe talks about his FFA journey. Links: Bourbon County High School FFA NAAE Ideas Unlimited Award Ag Innovation Grants Julie Fritsch Creative

Read Serial Queen Ruth Ann Baldwin Knew How to Craft a Cliffhanger Read about more women from early Hollywood   Related posts: Between Broadway and Hollywood: The Screenwriting Career of Ketty Frings – Dr. Rosanne Welch, Script Magazine, January 2024 So Much More than Merely Her Chocolate Cake Recipe – Dr. Rosanne Welch, Script Magazine, February 2024 Writing Successful Films into her 60s? Zelda Sears Did It! – Dr. Rosanne Welch, Script Magazine, March 2024

In early 1992, Boy Krazy were still a year away from their belated massive success in the US with "That's What Love Can Do" and they followed up that debut single in the UK with "All You Have To Do". Now a four-piece, the girl group shifted musical gears, releasing a more club-influenced track, but once again it failed to connect. Ruth Ann, Kimberly and Josselyne discuss that single as well as "Good Times With Bad Boys", which was released in America after "That's What Love Can Do" had been a hit. The ladies also give their thoughts on the situation involving Johnna being positioned by the label as lead vocalist. Meanwhile, Pat & Mick returned to PWL for their annual cover version — a remake of "Shake Your Groove Thing", with Pat Sharp sharing his memories of the music video. We also hear from Mike Stock about PWL's latest signing Nancy Davis and her debut single, "If You Belonged To Me". And Steve Anderson is back on the podcast to tell the Brothers In Rhythm story and recall how he and Dave Seaman were commissioned to remix "Finer Feelings" by Kylie Minogue — and that single's connection to her post-PWL work.Support the Show.Subscribe for bonus material at chartbeats.com.au/sawTwitter: @ChartBeatsAU, @MrMattDenbyInstagram: @chartbeatsauFacebook: Chart Beats: A Journey Through PopEmail: chartbeats.au@gmail.com

Today's episode is the next in our mini-series on bone health and osteoporosis, and it's a special one because returning to the podcast is our good friend Ruth Ann Penny, the veteran educator and teacher of therapeutic and functional yoga for older adults.     Listen in as we discuss the health professional-client relationship, how that relationship impacts the healing process, and ways in which professionals can treat such patients without relying on a script.     Get full show notes and more information here: https://www.functionalsynergy.com/267

Oxalates are naturally occurring substances found in many plants, including vegetables, fruits, nuts and seeds. Ruth Ann Foster, ScD, BSN, RN discusses oxalates and explore the underlying causes of that gut dysfunction and how it relates to overall health.

At 10AM CBS resumed programming with their mid-morning soap operas. First up was Valiant Lady, starring Joan Blaine. Joan was a valiant lady because she sacrificed a promising Broadway career for her father's sake, then married a “brilliant but unstable" surgeon. People like the just-heard Mandel Kramer loved working on soap operas from New York. At 10:15AM Light of the World signed on starring Bret Morrison as “the Speaker.” The show was a soap opera version of the stories of the bible and featured some of New York's best talent like Mandel Kramer, Louise Fitch, and Alexander Scourby. This D-Day broadcast was the very first episode of Light of the World on CBS. It had been running on NBC since March of 1940. It would run on CBS until August of 1946 before once again being picked up by NBC until June 2nd, 1950. When Light of the World signed off, The Open Door signed on at 10:30. Created by Sandra Michael, The Open Door was a purposely slow-moving, character building show built around Dean Eric Hansen of the fictional Vernon University. The stories involved people in his life: their problems, lives, and loves. The star, Dr. Alfred Dorf had known Sandra Michael since her childhood in Denmark. He'd come to America to establish a church in Brooklyn and was the true inspiration behind the character. Unfortunately, the agency handling the sponsor's account didn't like the direction of the series. They pressured Sandra Michael into changing the show, but she resisted and the show was canceled after June 30th, 1944. Once The Open Door signed off, Bachelor's Children signed on at 10:45. It featured Hugh Studebaker as Dr. Bob Graham, a bachelor who took in his dying friend's 18-year-old twin daughters. Marjorie Hannan played Ruth Ann, the kind, thoughtful twin, and Patricia Dunlap played Janet, the fiery and impulsive twin. Olan Soule played Sam Ryder. He was, perhaps, best known for co-starring with Barbara Luddy on The First Nighter.

The Boy Krazy story is one of the most interesting — and complicated! — in the SAW history. The American girl group was put together through auditions in New York, going through a few line-up changes before the final five-piece, Johnna, Josselyne, Kimberly, Renee and Ruth Ann, signed a deal with PWL Records and flew to London to start recording with Stock Aitken Waterman. Kimberly and Josselyne join us to reminisce about that process and how debut single "That's What Love Can Do" came together. Released in mid-1991 in the UK, it unfortunately didn't connect with the British public, but over a year later, it started picking up steam in the US when a Denver, Colorado radio station put it on high rotation. By 1993, it became one of SAW's biggest hits on the Billboard Hot 100. Kimberly and Josselyne talk us through the highs and lows of that process. And thanks to Mario at Cheer Up (@cheeruppopparty), we're also able to share some of an interview with Johnna, who performed lead vocals on "That's What Love Can Do". Great song, great story!Support the showSubscribe for bonus material at chartbeats.com.au/sawTwitter: @ChartBeatsAU, @MrMattDenbyInstagram: @chartbeatsauFacebook: Chart Beats: A Journey Through PopEmail: chartbeats.au@gmail.com

Jacob Ball is the Agriculture Teacher and FFA Advisor at Carter G. Woodson Academy in Lexington, Kentucky. Jacob was recently awarded the Milken Education Award for his excellence in education. Sheldon and Ruth Ann discuss MANNRS, FFA, and the classroom with Jacob on this week's episode. Tune in every Monday for a brand new episode of Growing Kentucky's Leaders!

Many of us in Western culture have a rigid understanding of the student-teacher relationship—one that places teachers in positions of authority to which students are taught to defer. But helping our clients to heal requires a relationship of exchange. In this episode, I'm speaking with Ruth Ann Penny, veteran educator and yoga teacher, about the role of teachers in helping clients out of pain.   Listen in as Ruth Ann and I share an in-depth discussion on our role as effective teachers, empowering our clientele to develop an inner locus of control, and forming a healing relationship with our patients.    Get full show notes and more information here: https://www.functionalsynergy.com/236    

Jourdan Palmeri is an agricultiure teacher at Marshall County High Schhol and attended Murray State University where she attained a degree in Agricultural education. Soon after graduation, Jourdan mpooved right outside of Nashville for a short amount of time to teach at a small, rural school and eventually became the agriculture teacher and FFA Advisor for Marshall County High School. On this episode, Ruth Ann discusses SAE's, Jourdan's experience in the classroom, and much more. Tune in every Monday for a new episode wherever you get your podcasts or on Youtube! ⁠Student Activity Sheet LINK⁠

Dr Ruth Ann Harpur is a Clinical Psychologist specialising in relationships and issues of narcissism, and helping people and couples to develop compassionate, strong relationships with themselves and each other. She is passionate about how important relationships are in how we navigate the demands and challenges of life, with people often repeating familiar patterns in relationships that may not serve their needs and in ways that seem confusing to us and the people around us. Ruth Ann has a popular YouTube channel that explores these issues, with a particular focus on narcissism, and the effect narcissism can have on a person's life and relationships. TARGETED PLAYLIST LINK: Compassion in a T-Shirt: In Session LINKS: Ruth Ann's website https://www.ruthannharpur.co.uk/about Ruth Ann's YouTube channel https://www.youtube.com/@drruthannharpur If you would like to learn more about compassion focused therapy, you can find Dr Stan Steindl's book The Gifts of Compassion here: https://www.amazon.com.au/Gifts-Compassion-understand-overcome-suffering/dp/1925644480 Say hi on social: Facebook: https://www.facebook.com/drstansteindl Twitter: https://twitter.com/StanSteindl Instagram: https://www.instagram.com/dr_stan_steindl/ LinkedIn: https://www.linkedin.com/in/stan-steindl-150a5264/ Website: https://www.stansteindl.com/ YouTube Video URL: https://youtu.be/IRruUjbcFHg *Affiliate Disclaimer: Note this description contains affiliate links that allow you to find the items mentioned in this video and support the channel at no cost to you. While this channel may earn minimal sums when the viewer uses the links, the viewer is in no way obligated to use these links. Thank you for your support! Video hashtags Compassion, self-compassion, narcissism, relationships, personality disorder, schema therapy, compassion focused therapy, Paul Gilbert

Brian Welch is an Agriculture Teacher at Madisonville North Hopkins High School and a former State FFA Officer. On this episode, Sheldon and Ruth Ann discuss the Agriculture Innovation Grant, as well as Brian's work inside and outside of the classroom, some of his favorite FFA memories, and even a little bit about personality! Tune in every Monday for a new episode wherever you get your podcasts or on Youtube! ⁠Student Activity Sheet LINK⁠

A Roadmap to Improve Health Outcomes By Investing In Green and Healthy Homes. There are many ways to address the social determinants of health but do we need to pay more attention to the one right in front of us? The Green and Healthy Homes Initiative thinks so, and it's focused on addressing health inequities by making homes healthier, safer and more energy efficient. To stream our Station live 24/7 visit www.HealthcareNOWRadio.com or ask your Smart Device to “….Play Healthcare NOW Radio”. Find all of our network podcasts on your favorite podcast platforms and be sure to subscribe and like us. Learn more at www.healthcarenowradio.com/listen

Madison Frogue is a former Todd County Central FFA Member and the 2023 State Star in Agricultural Placement. Sheldon and Ruth Ann discuss her SAE, FFA Experience, and work opportunities that FFA provides. Madison discusses her further aspirations to one day reach the National FFA Convention stage to hopefully be the American Star in Placement. Madison is continuing her education at college and stays regularly involved in her family farm as well as a part-time job in Todd County. Tune in every Monday for a new episode wherever you get your podcasts or on Youtube! ⁠Student Activity Sheet LINK⁠

Conner Richardson is a former State FFA Officer and current agriculture teacher at Woodford County High School. On this episode, Sheldon and Ruth Ann discuss with Conner the importance of donating to Kentucky FFA, how to give monthly, and the impact these donations have on students like Conner's. Tune in every Monday for a new episode wherever you get your podcasts or on Youtube! ⁠Student Activity Sheet LINK⁠

Toni Myers is an agriculture teacher and FFA Advisor at Locust Trace High School. Sheldon and Ruth Ann discuss AgEd, FFA, The Kentucky Castle and so much more on this week's episode. Toni brings a rich and unique history to the interview, graduating college at 19 and teaching at a unique High School centered around agriculture that services one of the largest counties in the state of Kentucky. Tune in every Monday for a new episode wherever you get your podcasts or on Youtube! ⁠Student Activity Sheet LINK⁠

Jonathan Shell is Kentucky's newly elected Commissioner of Agriculture. Jonathan hails from Garrard County and owns a farm where he raises pumpkins, cattle, and other various products. Sheldon and Ruth Ann discuss the Ag Tag Program, what it was like for Jonathan when he was an FFA member, some of his favorite camp memories, and so much more. Tune in every Monday for a new episode wherever you get your podcasts or on Youtube! ⁠Student Activity Sheet LINK⁠

Local Las Vegas singer/songwriter, Ruth Ann Sharp, visits The Sing Along podcast to chat with host Casey Stickley of Second Echo about family, fitness, and female musicians! Host: Casey Stickley Guest: Ruth Ann Sharp Music: “Stranger”, by Ruth Ann Sharp “Lead Me On”, by Ruth Ann Sharp "Sing Along", by Second Echo Email: casey@thesingalongpodcast.com Music Links: https://www.tiktok.com/@bancfitness?_t=8hPadPpTWBS&_r=1 https://youtube.com/@bancfitness?si=QiJ87ZljFvRGzKDQ https://www.instagram.com/ruthannsharp/ ruthsharp@gmail.com rasrealized@gmail.com Websites: https://thesingalongpodcast.com https://rumble.com/user/SingAlongPodcast https://secondechomusic.com

Jonathan West is a Financial Officer at Farm Credit Mid-America in Campbellsville, a member of the Kentucky FFA Board of Trustees, and a farmer. He hails from Knox County, Kentucky where he was an FFA member in their chapter. On this episode, Jonathan discusses agriculture, careers in agriculture, farm finance, and FFA with Sheldon and Ruth Ann. Tune in every Monday for a new episode wherever you get your podcasts or on Youtube! ⁠Student Activity Sheet LINK⁠

Lisa Cripps-Downey from the Berrien Community Foundation talks about some of the great scholarships that are available through the Berrien Community Foundation.  One of the new ones is The Ruth Ann and Louis Harvey Benton Harbor Youth HBCU Scholarship. Lisa Harvey and Stephannie Harvey-Vandenburg talk about why they wanted to start this scholarship and what makes it so unique. See omnystudio.com/listener for privacy information.

This week, Ruth Ann and Sheldon discuss a new opportunity from the Foundation for FFA members to use once they graduate High School. Listen in to hear about this great opportunity for both FFA members (Class of 2024) and employers! Tune in every Monday for a new episode wherever you get your podcasts or on Youtube! Student Activity Sheet LINK

Caroline Groth serves as the 2023-2024 Kentucky FFA State President. Hailing from Locust Trace High School in Fayette County, Kentucky, she has a rich background in FFA and Agriculture. Join us on this episode as Sheldon and Ruth Ann discuss some of Caroline's best memories and lessons she has learned over her time as an FFA member and State Officer. Tune in every Monday for a new episode wherever you get your podcasts or on Youtube! ⁠Student Activity Sheet LINK⁠

Join us for a chat with actress Peggy Yates, who appeared in the 2016 Signature Theatre production of Silver Belles as Ruth Ann. Get tickets to Virginia Repertory Theatre's production of our musical, “The Silver Belles” here: https://va-rep.org/_silver-belles-november.html and support The Conner & Smith Show on Patreon here: https://www.patreon.com/ConnerandSmith and follow Ryan on Letterboxd here: Letterboxd.com/ryanthedean/ --- Send in a voice message: https://podcasters.spotify.com/pod/show/connerandsmithshow/message

Ruth Ann “Her-Her” Burner Feather, 80, born June 19th, 1943, in Frank, West Virginia, entered her heavenly home, Monday, November 27, 2023. Ruth was preceded in death by her father, Forrest Hull Burner, and mother, Grace Ellen Heavner Burner. She is survived by he loving husband of 62 years, Carl “Chick” Feather, daughter, Susan Feather Godwin (Brad), son, Timothy Allen Feather (Wendy); grandchildren, Tyler Godwin (Megan), Chase Godwin (Kristina), Robbie Godwin, Haley Marchetti (Caleb), Hannah Feather Gross (Corey), Bryce Feather; great grandchildren Colt, Sebastian, Kora, Archer, Cade, Kena, Millie; sister, Patsy Burner Sacks, brother, Wallace “Corkie” Burner (Loretta), and a...Article LinkSupport the show

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When I started my PR firm in my home 15 years ago, I was trying to be so much for so many people. Then, I decided I was going to specialize in something, so we specialized in experts. I love experts and helping them tell their stories to the world. Someone who relates to that is Ruth Ann Rose, owner and CEO of Rose Marketing Solutions.

One, two, three murders in Alexandria, VA over a span of years. While investigators tried to decipher if the crimes were related, they knew one thing for sure: all of them began with a knock at the door. For episode information and photos, please visit https://anatomyofmurder.com/ Can't get enough AoM? Find us on social media!Instagram: @aom_podcast | @audiochuckTwitter: @AOM_podcast | @audiochuckFacebook: /listenAOMpod | /audiochuckllc

Do you wonder if the Yoga Therapy Certification will serve you in your retired life? I'm discussing this with two Yoga Therapy Certification grads who both happen to be over 60 years old, Lory Newmyer and Ruth Ann Penny.   Lory and Ruth Ann are sharing their experiences as trainee elders, why they decided to take the therapy certification, and how they have put their skills to use post-graduation. Discover the power of being a lifelong learner, why growing old can open new possibilities in business and life, and how the Yoga Therapy Certification may benefit you at any age.   Get full show notes and more information here: https://www.functionalsynergy.com/201

When a woman is gunned down in a car park in small town Missouri, investigators are able to solve the crime in record time thanks to nosey neighbors, local witnesses, and above average police work.Daniel was only confused twice. Win!!!Support the show

Ruth Ann Angus is currently the Director of Yes, We Can Peacebuilders.  On September 11, 2018, Yes We Can Peacebuilders accepted a proclamation of peace and nonviolence from the Mayor and city council of Moro Bay, California establishing Moro Bay as a Nonviolent City.  In September 2022 a second peace proclamation from the current mayor and city council was accepted by Peacebuilders strengthening the City of Moro Bay's dedication to peace and nonviolence through the Nonviolent Cities Project.Yes We Can Peacebuilders, offers workshops and training for adults and youth on ways nonviolence is fostered, defining nonviolence to aid in the Development of nonviolent communication and strategies for change within ourselves and our community. Produced, Edited and mixed by Paul R. LongFor further Information visit our Website OurWalkTogether.comor contact: Paul@ourwalktogether.com

Have you worked with a client that is numb or cannot feel? How do we work with those who have difficulty expressing themselves?    This week, I'm joined by two educators and therapists, Ruth Ann Penney and Kim Marion, to talk about openness, trust, and relationship building. This enlightening conversation touches on the nuance of sensory perception, the essential nature of trust in our ability to communicate, and so much more.   Get full show notes and more information here: https://www.functionalsynergy.com/164

Last week in San Diego, the Americas Committee for Treatment and Research in Multiple Sclerosis convened their annual meeting, the ACTRIMS Forum. One of the highlights of this meeting is the presentation of the Barancik Prize, awarded in recognition of exceptional innovation in MS research. This year's winner of the Barancik Prize is Dr. Ruth Ann Marrie, a clinician scientist at the University of Manitoba. The Barancik Prize is administered by the National MS Society, and this year's award recognizes Dr. Marrie's landmark discoveries that deepen our understanding of how and when MS evolves.  During the ACTRIMS Forum, Dr. Marrie joined me to discuss her groundbreaking research and the impact it's had on MS care. If you're a regular listener, you've probably heard me say that the things that people affected by MS want most -- access to quality healthcare, affordable prescription medications, and funding for MS research are, to a large extent, all functions of public policy. The people who decide whether we get these things are our elected officials at the state and federal level.  That's why advocacy is a high priority for people affected by MS. The National MS Society's Public Policy Conference takes place next week, March 6-8, in Washington, D.C. Joining me to discuss how advocacy makes a real difference in influencing pending legislation, while giving us a preview of what we can expect to see and hear at this year's conference, is the National MS Society's Executive Vice-President for Advocacy and Healthcare Access, Bari Talente. We have a lot to talk about! Are you ready for RealTalk MS??! This Week: We're back from the ACTRIMS Forum and a conversation with this year's winner of the Barancik Prize for innovation in MS research  :22 Dr. Ruth Ann Marrie discusses some of her groundbreaking research and its impact on MS care  1:57 We are one week away from the National MS Society's Public Policy Conference in Washington, D.C.  17:18 Bari Talente, the National MS Society's Executive Vice-President of Advocacy and Healthcare Access, discusses the importance of advocacy, while sharing a preview of the legislative issues that MS activists will be advocating for next week on Capitol Hill    18:18 Share this episode  32:25 Have you downloaded the free RealTalk MS app?  32:45 SHARE THIS EPISODE OF REALTALK MS Just copy this link & paste it into your text or email: https://realtalkms.com/287 ADD YOUR VOICE TO THE CONVERSATION I've always thought about the RealTalk MS podcast as a conversation. And this is your opportunity to join the conversation by sharing your feedback, questions, and suggestions for topics that we can discuss in future podcast episodes. Please shoot me an email or call the RealTalk MS Listener Hotline and share your thoughts! Email: jon@realtalkms.com Phone: (310) 526-2283 And don't forget to join us in the RealTalk MS Facebook group! LINKS If your podcast app doesn't allow you to click on these links, you'll find them in the show notes in the RealTalk MS app or at www.RealTalkMS.com Join the RealTalk MS Facebook Group https://facebook.com/groups/realtalkms Download the RealTalk MS App for iOS Devices https://itunes.apple.com/us/app/realtalk-ms/id1436917200 Download the RealTalk MS App for Android Deviceshttps://play.google.com/store/apps/details?id=tv.wizzard.android.realtalk Give RealTalk MS a rating and review http://www.realtalkms.com/review Follow RealTalk MS on Twitter, @RealTalkMS_jon, and subscribe to our newsletter at our website, RealTalkMS.com. RealTalk MS Episode 287 Guests: Dr. Ruth Ann Marrie and Bari Talente Tags: MS, MultipleSclerosis, MSResearch, MSSociety, RealTalkMS Privacy Policy

Patrick had a great date with Ruth Ann. He FINALLY connected with someone he met on a dating app, but she's ghosted him? Will Jason, Alexis, and Holly be able to give Patrick and Ruth Ann a second chance at love? Learn more about your ad choices. Visit megaphone.fm/adchoices

Did we find love for Patrick and Ruth Ann in Second Chance Romance this morning? Breaking news during our show: Ryan Seacrest is leaving "Live with Kelly and Ryan" and her husband Mark Consuelo will step in as co-host. Tom Brady commented on Janet Jackson/Justin Timberlake Nipplegate and it wasn't received well. Learn more about your ad choices. Visit megaphone.fm/adchoices

Carl and Ruth Ann were well into their careers and financially wrecked, the idea of prospering and thriving was beyond their imagination. Listening to Del Walmsley on the radio for 2 years commuting home from his corporate job, Carl convinced Ruth Ann to attend the 2-Day Financial Freedom Seminar, and today they tell Del Walmsley how they turned $105k into $290k in 3 years while creating $21k annual Cash Flow! Click to Listen Now

She didn't just have a crush on Cubs first baseman Eddie Waitkus, she genuinely believed that the two were in love. So when Eddie got traded to the Phillies, Ruth Ann Steinhagen took it personally. And if she couldn't have Eddie, nobody could. Learn more about your ad choices. Visit podcastchoices.com/adchoices