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Keith explores how real estate investors can use mortgage strategies to build long-term wealth.  Seasoned lending expert and repeat guest Caeli Ridge joins Keith to discuss why debt isn't something to avoid but to optimize, and how negotiating terms can matter more than price. They walk through practical approaches for new and experienced investors, from house hacking to scaling a rental portfolio. The conversation also tackles common myths about qualifying for investment property loans and what really matters to lenders.  Finally, they emphasize focusing on fundamentals—cash flow, risk management, and informed decision-making—rather than fixating on interest rate headlines. Episode Page: GetRichEducation.com/604 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  For predictable 10-12% quarterly returns, visit FreedomFamilyInvestments.com/GRE or text  FAMILY to 66866  Unlock truly passive real estate income—visit flockhomes.com/GRE today to see if your properties qualify for a 721 exchange with Flock Homes. Will you please leave a review for the show? I'd be grateful. Search "how to leave an Apple Podcasts review"  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— GREletter.com  Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Keith Weinhold  0:01   Welcome to GRE I'm your host. Keith Weinhold Some mortgage guidance out there is costing you wealth today. I'm talking about how you can negotiate to get better terms. I'll tell you the exact questions to ask. Then a guest clears up mortgage myths and misconceptions and how you can borrow to win today on get rich education   Keith Weinhold  0:28   let me ask you something, if you've worked hard to build wealth, is your money positioned to actually support your goals? A lot of accredited investors leave capital sitting in cash because it feels safe, but inflation and missed income opportunities can quietly erode its value. Freedom family investments offers freedom notes for investors seeking structured income backed by real estate. It's a straightforward approach built on real assets, not speculation and full disclosure. I'm an investor myself. What I like is that their team walks you through how it all works so you can decide if it aligns with your portfolio and income goals. Every investment carries risk and nothing is guaranteed, but with a track record of consistent on time investor payouts, they built real credibility. Go to freedomfamilyinvestments.com to book a clarity call or text family to 66 866, that's family to 6866   Speaker 1  1:32   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  1:48   Welcome to GRE from Albany, New York to Albany, Oregon and across 188 nations worldwide. You're listening to get rich Education. I'm your host. Keith Weinhold, as we know, debt isn't something to avoid. It's something to optimize. As a real estate investor, I would rather have lower mortgage rates than higher ones, and now you can call me Captain Obvious. Yet there are some reasons that higher mortgage rates benefit us as investors, though they're not as great as the lower rates are I'll discuss some of that today. This stuff obviously influences marketplace behavior. In fact, here we are now, years after rates made their historic surge and nearly tripled between 2022 and 2023 and yet still, 70% of mortgage borrowers have an astoundingly rock bottom rate below 5% today, lower than the ocean floor, and they won't sell those properties. That's just one contributor to the low supply hangover that still lingers. Are today's buyers still anchored to an unrealistic baseline. It certainly reframed how investors think about normal borrowing costs and what that word normal means. My first ever rental property, many years ago, was purchased at a 30 year fixed rate of six and three eighths percent. One year later, I got to refinance a full 1% lower at five and three eighths. I'm happy that I bought one I did because starting year earlier, got all my real estate benefits rolling that much sooner, the leverage and everything else, and when I did that, refinance many years ago, from six and three eighths down to five and three eighths, I was able to roll all of my loan refinance costs into the new mortgage balance, and that way I didn't have to pay anything out of pocket. So financing is negotiable. A lot of investors don't realize that buy down your rate if you want roll the loan costs into the loan amount, like I did. In fact, I would usually rather have a higher mortgage rate and then not have to come out of pocket at the table. I would rather do it that way. Sometimes I take a higher rate and even get cash back at the closing table. So I walk away from the closing table with a property and cash, but yet with a bigger mortgage. And what's the strategy there? Well, with more inevitable Inflation, I want to load up on the dollars that I get now and then make those paybacks over the long term with future cheaper, diluted dollars for 360 months, sometimes I don't have to ask the lender for any sort of favor to get that zero help from the lender at the closing table to get cash back. How do I do that? Well, I ask the seller to give me cash at the closing. Closing table in return for offering the seller full asking price, or sometimes even over the asking price. I have done it the strategy of offering full price or even a little more than the full list price. See, that's often easier than getting a price cut from the seller, and that works great, because getting the closing table, cash is going to benefit you more than the price cut would anyway, in almost every circumstance, and when it comes to your lender, ask them questions that cut through the noise. Now, lenders have to make their profits somewhere and stay in business, but I've asked the question, what's the break even point on this rate buy down. That's something you can ask today. That can be an even better question for you to ask of builders with all of the buy downs that they're doing for you now, most people know about a mortgage rate lock. That's when you're in contract to buy a property. At some point, you and your mortgage company, you lock in your rate for, say, 30 to 60 days, and that way, if the rate rises before the deal is completed, you are protected. You are locked in. But some lenders also offer float downs. That's for if you lock and then rates go lower before you get the deal closed. In that case, you get the lower rate, and now you successfully played both sides, but most borrowers don't know to ask about a float down for larger apartment buildings, sometimes you can negotiate away prepayment penalties or instead a shorter penalty window. The thing to keep in mind is that smallest borrowers negotiate price, but savvy investors negotiate structure. That's what we're talking about here, and that's why you often hear that terms are more important than price. So there's plenty of opportunity here, even if historically low rates is not where today's opportunity lies. Today, we're going to discuss some things about mortgages that most people believe but are just flat out wrong. Also, what separates the borrowers who build real estate portfolios from the ones who stay stuck on property one, let's have a conversation with this week's repeat guest, a real favorite here at GRE for her mortgage clarity.   Keith Weinhold  7:35   Hey, the president of ridge lending group, Chaley Ridge is back with us. We'll get into things like rates and loan strategy shortly, but first, let's discuss some fun. What would you do? Chili, what would you do if you're 35 and have 100k to invest in real estate? What's your first move? Ooh, good question.   Caeli Ridge  7:55   So let's think five years ago for me now I'm 35 what would I do if I had that was a joke for all you listeners, obviously, you know, I think that if I could go back and knowing what I know now, I would probably invest that into an owner occupied house hack using an FHA loan. Probably look for newer construction if I could find it, and I would probably target a four unit residential property. I'd probably put three and a half percent down lowest rates with that. FHA, I would leverage my money, and I would get three other tenants in units, two, three and four to pay my mortgage, and then I'd use the rest to go buy an investment property   Keith Weinhold  8:32   much like I started out with the owner occupied four Plex, live in one unit, rent out the other three. FHA, three and a half percent down. What if someone, however, lives in a market where the numbers just don't work and the law really tilts toward the tenant rather than the landlord.   Caeli Ridge  8:47   You know, that's a good point. There's a lot of factors, obviously, right? And there's exceptions to all rules, etc. So I don't want to generalize, but I would probably take the 100,000 and maybe look at some kind of a burr in that case, maybe pivot and do some math and see if buy rehab rent refi might be more applicable. To take that 100 grand and leverage it that dollar bill, as far as I could make it  go   Keith Weinhold  9:10   sometimes you have to get scrappy when you're starting out another what would you do now? Say you've got some more experience. You already own two rentals. How do you scale that to 10.   Caeli Ridge  9:21   You know, my biggest piece of advice for investors, especially newer ish investors, is to make sure that you've got your eye on some level of diversification. Scaling from two to 10 can sound pretty daunting to some people, but I think that diversification advice comes in handy when you're not singularly focused on, let's say, a core philosophy of single family, residence, cash flow only in one market instead, maybe layer in some appreciating markets where you can earn and count on longer burn appreciation that you can then leverage from to then purchase the next to the next to the next, right. Cash. Refinances borrowed funds are non taxable. I would probably say diversification is the core answer to that question. For me,    Keith Weinhold  10:07   yeah, if you've already got two properties, maybe if you've had those for a few years, yes, you can do a cash out refinance and basically use one of your first two properties to fund that third and fourth and so on, right exactly? How about if rates drop 1% tomorrow? What's the next thing you would do? Immediately?    Caeli Ridge  10:29   I would do the math. Is what I would do, Keith, and I know you love that answer. So if I had a portfolio of X number of properties and rates just dropped 1% tomorrow, I would take a hard look at what I had in the queue, and I would say, Okay, how much does a one percentage point rate save me in monthly payment, aka, earn me in cash flow, and what is it going to cost me? It is imperative that the investor is actually doing the math. 1% may sound amazing, but if it's only going to save you 5060, bucks a month, and maybe that's enough, but it might cost you five grand. Does that math work for you? So that's my answer. Do the math?   Keith Weinhold  11:08   Yeah, if rates drop 1% does that make you want to perform more purchases? Does that make you want to refi something that you already have and at the same time that you do that refinance? Okay? That may or may not save you a lot in payment. But another consideration is, okay, well, at the same time you do that refinance, oh, maybe you could take cash out and use it as a down payment for another property, or just use that money for something else,    Caeli Ridge  11:33   absolutely, and you know what we're talking about. That from a purchase perspective, if rates drop 1% tomorrow, from an investment perspective, what do we think is going to happen to the rest of the market? The homeowners are going to be coming out of the woodwork, right? The owner occupied the competition is going to get very, very stiff, steep. I would say that if you are banking on or waiting for rates to do X, Y and Z, you are missing massive opportunities today. So there's a lot of reasons not to hesitate and be waiting on some magic, massive rate drop.   Keith Weinhold  12:04   All right. Well, those were three interesting what would you do scenarios you mentioned the possibility, and it's surely only a possibility that mortgage rates will drop sometime in the near future. Let's expand on that. If someone is indeed waiting for rates to drop. What are they risking in the meantime?   Caeli Ridge  12:25   You know, this is such a good but complicated question. There's a lot of layers to this. If someone has a magic number in their head, again, I'm going to press back and say you have to be doing the math. All right. So a lot of people conveniently, maybe not so conveniently. But a lot of people forget that interest rates, by nature, always drop or reduce much slower than they're going to climb. Okay, historically, go back and do your own research here. Interest rates, when they go up, they tend to kind of go up quickly. When they come down, they really kind of trail, and it's a slow, progressive landing. It's not a quick thing when they come down. So if we know that that's true, or at least historically, that's been true an interest rate reduction of an eighth or a quarter or three, it's of a point. Maybe that takes us a month or two or six or a year. What does that really mean to that payment? You have to be doing the math so, largely dependent on the loan amount. Okay, if you think that interest rates are going to be reduced in a month from now by a quarter of a percentage point, what does that mean to the payment? Does it mean $12 a month? Does it mean $100 a month? And in that scenario, in that calculation, what are you giving up by waiting the month or two or six for a what if I think that you are diminishing your rates of return by waiting on a come that one may never happen, and two, the significance is probably far less relevant than you are giving it credit for.    Keith Weinhold  13:52   Now, I think generally real estate investors want low mortgage rates. Obviously, it gives us a better refinance opportunity. It gives us a better purchase opportunity, potentially, okay. In general, we want lower rates. However, there are some reasons a lot of people don't think about as to why lower mortgage rates are actually bad for a real estate investor. If you just look historically, when have we had extraordinary low mortgage rates here in these past 20 years? Well, they've been to get us out of huge economic problems, late to global financial crisis or the covid pandemic. So if you're wishing for really rock bottom rates, which again, is tempting to do, and is advantageous, in a sense, there is a downside as well. If there are super low rates, a lot of people might be out of work, including your tenants. So that's the reason that we want to be careful as to what we wish for, with rates being super low and artificially low, like they were a couple times in the past two decades. And you know, Caeli another reason why I'm not fully in love. With low mortgage rates, although I liked them, is the fact that I look back and notice as being a property investor for more than two decades now, is that I have had tenants leave when mortgage rates are too low and lending is too easy, especially leading up to the global financial crisis, it was so easy to get first time homebuyer loans at really attractive rates. So I had higher vacancy because mortgage rates were so low that my tenants left and became first time homeowners. So yes, we generally want lower mortgage rates, but there is a downside to that as well.    Caeli Ridge  15:35   And I think there's probably a sweet spot, I think such a good point that most people probably don't think about Keith, and I couldn't agree more, when rates have been at their lowest. To your point, all hell is breaking loose economically in so many other sectors. Yeah, be careful what you wish for.   Keith Weinhold  15:51   Any old time, real estate investor would find it really humorous and almost cute that people think mortgage rates between six and 7% are high. You and I know they're historically low. 7.7% is the long term owner occupied, 30 year fixed mortgage rate going back to 1971 per Freddie Mac the most reliable stat set that we have. But now that we have come up back into what's really a more normal range, just like we started to do in 2022 How should someone think overall in not a high but a higher mortgage rate environment? What are some things that actually matter more now than they did before back five plus years ago?    Caeli Ridge  16:32    I want to give you some statistics. So from 1990 to now, the average owner occupied rate was 6.08 now that's owner occupied, and more often than not, you can add about a point percentage point spread between that and non owner occupied in general. So we are right in line with the last 36 year swing of where interest rates have been. So please keep that in mind. Again, that psychology piece. But overall, I think that what we need to be paying attention to, even if, over the last five years, 10 years, interest rates are a little bit higher than we came to recognize them, the pandemic was an outlier. You guys. Okay, let that lie that's hopefully never to repeat itself. But what we want to be focusing on, and I know that I'm beating a dead horse here, is that you have to get rid of the mental block that you have about that number that we call an interest rate. You need to be looking at a property holistically that says, does it cash flow based on this tenant application? What about this tenant application? What is my exit strategy? Is my property management doing the job that it needs to be doing? Can I trust them to ensure that my vacancy is low? And if I have to evict somebody that they know what they're doing and they know all the rules in the different cities and counties, I think that those are going to be more prevalent to the successful real estate transaction that gives you the financial freedom that you want long term, stop fixating on the rate. That's my advice.    Keith Weinhold  17:53   Some of those operations that you talked about are controllable, and the mortgage rate is largely uncontrollable outside of maybe getting a better credit score to get a lower rate or something like that, focus more on what you can control. And Caeli, you touched on something interesting that I think a lot of people don't understand, and that is investor financing versus owner occupant financing. A lot of people just don't understand the differences as to why investor loans cost more, tell us about that.   Caeli Ridge  18:25   Yeah, good question. It happens to be about secondary markets, so I won't get too technical, but when we talk about mortgage backed securities right Wall Street, and this is an asset class that is bought and sold and traded, etc, etc, there are demands, obviously, and then you've got layers of risk. So the baseline thinking is that an owner occupant is less likely to default on the home that they live in, right? Something is going on financially with them. They've got some hardships, etc. They're going to cut loose the rental property before they're going to default on their primary so that's just kind of the overall basic. There's other variables in there, but that's the one that makes the biggest difference. Is default rates on an owner occupied versus a non owner occupied. Now I may argue, if I can just add to this. So this is a little bit of a history lesson for those that maybe remember or too young to remember this. 08, 09, housing and lending implode on each other in this country, the financial crisis, et cetera, et cetera. It was the Wild West before that. You could have a pulse and get a mortgage, even investors right, 0% down. They had some pretty risky things out there. We didn't do that kind of stuff, but they were out there, and I certainly contributed to what happened with the oh eight financial crisis. So fast forward, and I feel like when things like that, especially in this country, happen and devastate big, huge sectors of our economy, we knee jerk. And we knee jerk in a way that is almost the 180 of irresponsibility. Let me explain so when we talk about what it used to be like, fogging a mirror, right, having a pulse and getting a loan as an investor or anyone. For that matter. Now fast forward to post, 08,09, you've got Dodd Frank, all that sweeping legislation, etc, they raised the qualification bar. Okay, that's fine. Now I want to come into today's space, and I want to give you guys an idea of the qualification markers between an owner occupied let's just use an FHA and a non owner occupied purchase. So you can have 580 credit and put three and a half percent down and have slightly over a 50% debt to income ratio and get an FHA loan, a GSE government sponsored enterprise loan. All right, a non owner occupied you've got to walk on water. Man, I make that dumb joke, files of blood and DNA samples, you've got 20 25% down minimum. You've got to have x higher in credit score, all these extra reserves, etc, etc. So I would argue that secondary mentality, thinking the non owner occupied is, in my opinion, probably a more stable loan as it relates to default. So there's some disconnect. I think that the way that that is thought about in secondary market speak, but maybe a little TMI for the listeners. In any case, that's the reason that they're looked at differently. The ideal, or the idea is, is that the owner occupied is less likely to default than the non owner occupied. I would disagree with that premise,   Keith Weinhold  21:19   and I think you would agree that things are still pretty tight because lending requirements are still pretty rigid, still pretty strict. You have to have a good credit history and assets and income, unlike what we had to have 20 years ago, when I was a real estate investor myself, back when things were irresponsible and back when things were free flowing, and money was flying, and a lot of nefarious things were happening. Even though I had a good credit score all my life, I was the beneficiary of those High Flying Wild West times myself. I remember on the first four Plex I owned after I had moved out of it so I didn't even occupy it anymore, I got a generous appraisal for a 90% combined loan to value, cash out, refinance 90% that I would not get today, no way.   Caeli Ridge  22:10   Yeah, but that knee jerk is, I think, also part of the problem. They go the opposite way that pendulum shift is, I feel like there needs to be a little bit more reasonability in the mix and different markers to justify who should be getting or being able to take advantage.   Keith Weinhold  22:26   When we talk about investor loans versus owner occupied loans, that really begs the question. Now, when does it make sense to house hack versus go straight into investor loans? What are some of the trade offs there.   Caeli Ridge  22:41   I would argue that if you are in a position and you're willing to share your primary residence with you know, tenants house hack is always a great idea, because you've got these great loan terms, you've got this massive leverage, and almost always you've got other people making the entire mortgage payment for you, or the vast majority of that mortgage payment, I'm such a big fan of that is a strategy for real estate investing. You've got to do it right. You got to do it by the rules. But I can't think of a downside if you qualify and you're willing to do that, to live with other people right next door, etc, etc. Some families don't think that that works for them, whatever, but I just think it's a fantastic way to jumpstart someone's real estate investment journey and then continue it. If you do it right every 12 months, then you'll be able to continue to parlay into the next, the next, the next. One thing I would say about that that I don't get a lot of opportunity to talk about, but since we're talking about here, if you're going to house hack and you've got, you know, a duplex, triplex fourplex, and you want to manage it yourself, which I think everybody should be responsible to manage at least one rental property in their lifetime, maybe official, yeah, yeah. More often than not, people will tend to pay for that service down the road. But having the experience is valuable. Do not tell the other tenants that you are the home owner, do yourself a favor and just you're another tenant, but you're taking care of you know, you don't want to let them know that you actually own the property. There's lots of emotional and different things that you want to avoid giving that information away to the tenants.   Keith Weinhold  24:17   I have had two friends, and each friend owned a fourplex, and what they did is they would manage the other person's fourplex. That way, they were able to keep it more professional and less emotional, since it wasn't the owner directly dealing with the tenant, and that provided a buffer that really benefited them. I haven't done that myself, but I found that such an interesting way to approach it?    Caeli Ridge  24:42   Yeah, that's smart. If that ends up being your situation, definitely horse trade that way. Otherwise, you're just a tenant and you can be on call whatever, just avoid giving that information back to the other tenants that may be there.   Keith Weinhold  24:54   Well, there's an underwriting reality out there that chili can share with us versus. Some of the online advice that you get, and what some of the biggest myths are that borrowers believe. We'll talk about that next. You're listening to get rich education. Our guest is Ridge lending Group President chailey Ridge, more we come back. I'm your host. Keith Weinhold.    Keith Weinhold  25:12   Flock homes helps you retire from real estate and landlording, whether it's one problem property or your whole portfolio through a 721 exchange, deferring your capital gains tax and depreciation recapture. It's a strategy long used by the ultra wealthy. Now Mom and Pop landlords can 721 the residential real estate request your initial valuation, see if your properties qualify@flockhomes.com slash, slash GRE, that's F, l, O, C, K, homes.com/gre    Keith Weinhold  25:47   the same place where I get my own mortgage loans is where you can get yours. Ridge lending group and MLS, 42056, they provided our listeners with more loans than anyone because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage. Start your prequel and even chat with President chailey Ridge personally. While it's on your mind, start at Ridge lending group.com that's Ridge lending group.com   Ted Sutton  26:22   Hey, it's corporate directs Ted Sutton, listen to get rich education with Keith Weinhold, and don't quit your Daydream.   Keith Weinhold  26:29    Welcome back to get Rich's case, we're talking with a familiar and recurrent guest Ridge lending group, President Caeli Ridge Kelly, talk to us about your underwriting reality there, versus some of the advice that one gets online sometimes, including what really gets a loan approved with some of those things like income and reserves and DTI.    Caeli Ridge  26:59   You know, this can be so confusing for the consumer, because there are so many different vehicles in which to get Mortgage Funding, and there's something in our industry called an overlay. Okay, an overlay is taking the purest form of a guideline and adding layers of risk to it. I'll give you an example. Let's say that we know, or most of us know that Fannie Mae and Freddie Mac allow for up to 10 finance properties per qualified individual, right? That is a straight Fannie Freddie guideline B of A, and this could be wrong, but a big boy bank may have an overlay and layers of risk that say we will only allow up to four, right? So all of this differing information, conflicting information, when the nice thing with ridges is that we go by the purest form of the guideline, we are not going to impose those overlays. So in working with us, you're always going to be sure that we know exactly what those guidelines are. We know them like our own faces, and that we're not going to impose some additional risk layering or overlay that might prohibit or preclude the qualification. It's pretty basic stuff. I mean, if you're going full doc, Fannie Freddie, and this can apply to our owner occupied and, of course, all of our non owner occupied income, debt to income, credit and assets, it's a pretty basic formula that we use. And then we've got all the other products that we have. Again, knowing those underwriting guidelines like the back of our hand, is very important to making sure that we can navigate the battleship in a creek. That's the analogy that I give that tends to be mortgage lending, or what feels like mortgage lending anyway. So it's pretty basic. We have to understand what the borrower's qualifications are out of the gate, and then we can provide them with a schematic of options that they can tell us which direction they want to go in    Keith Weinhold  28:42   for quite a long time now, one could get 10 conventional investor loans, single or 20 married. It wasn't always that way. I remember attending a real estate workshop in 2012 and you could only get four loans, or at least you could only easily get four investor loans before that expanded to 10. And we just shouldn't always assume that it's going to be this way forever.   Caeli Ridge  29:06   Yeah, so I kind of going back before 08,09, there was no limit to the number of finance properties Fannie and Freddie would secure per individual. After that crash, it shut off, and it got to four to your point. And then it stayed there for a while, until we kind of brought it back to that 10. You know, there's been rumors for years that they're going to up it to 12 or 15 or some random number. I don't even know where it's coming from. I always make a joke and say, Yeah, between now and my death, we'll see that. But it would be nice. It would be nice if they increase that number a few   Keith Weinhold  29:35   now, as someone is qualifying there, you probably run into a lot of borrowers that believe certain myths or have to have misconceptions corrected. Tell us about some of those    Caeli Ridge  29:45   the biggest myths, I'm going to say that it's probably one of three things they believe that they've got to make 10s of 1000s of dollars a month or hundreds of 1000s of dollars a year to qualify. Absolutely not true. It's so much less about the monthly. Income than it is the monthly income in relation to your minimum payments on your credit report. So just as an example, I could have a client that only shows $1,000 a month of income, but if they truly have no debt and some of the other qualifying criteria, they can qualify for a mortgage on an investment property, because the investment property has income to offset that mortgage payment. So it dispel the myth about having massive amounts of monthly income. That's not necessary. It's about the income and your monthly debt that we find on your credit report. That would be the first thing. The other thing, speaking of credit reports, I would say, is that a lot of times, people think that the overall debt that they're carrying matters. I mean, Mr. Jones could have $300,000 worth of debt, but his monthly payments are only 1500 All I care about is that monthly amount. I do not care what the total outstanding debt is. I hear that one a lot inquiries, credit inquiries. Every time you have your credit pulled, it drops the score, 20 points. Not the case. Now I can go down that rabbit hole, Keith, but it is a rabbit hole, so maybe I'll just leave it there. Your credit score does not drop X number every time you have your credit pulled. That's a misnomer.   Keith Weinhold  31:07   Well, actually, that brings up a thought. Then once prospective borrower initiates with you in there and gets the ball rolling in qualifying for a loan, what are some reasons that deals die late in the process? So what does it take to be sure to hold that together?   Caeli Ridge  31:23   You know, I think it all boils down to communication. And we tell our clients this on the front end, treat us like your attorney. You tell us everything, do not own anything, so that we can ensure that we're guiding you appropriately. So lack of information can derail things. Let's say, for example, they change jobs, and it's a completely new line of work, and it could prohibit or preclude the amount of income that we could have we were using now DTI gets changed, or they buy a new car in the middle, and they don't think it's going to come up. And now it's a DTI issue. It can be all kinds of things, but the point there is communication is key. Just keep us informed, and then we will give you the input or advice, and then you do what you want with that. But at least it's not once the bell is rung.   Keith Weinhold  32:05   Live pretty conservatively and safely until that loan closes. Yes, sir. Well, does that bring up any stories? Sometimes people learn better that way. Is there a deal? Perhaps that should have worked, but it didn't.   Caeli Ridge  32:20   That's a good question. You know, I think that the answer is no, and mostly because we have such a diverse menu of loan products, even if something did happen and even if it was outside of anyone's control, let's say we would normally just pivot to another loan product that would accommodate whatever that event ended up being. I cannot think of an example where a deal fell apart that could have gone differently, that we weren't able to just simply pivot into another path and close the loan for    Keith Weinhold  32:49   well, America is a place that promotes entrepreneurship, and it seems like side hustles as well are more popular than they've been before. So can you talk to us about how self employed borrowers get evaluated?    Caeli Ridge  33:04   Yeah, it is different. I mean, the simplest way to describe it is, we're going to take the adjusted gross income, but there are something called add backs. So depending on what their deductions are, there are certain things like Depreciation or Amortization or, I mean, there's a whole slew of things that we're able to take those numbers and add it back into the Adjusted Gross and then divide by 12 or 24 whatever it needs to be. That's typically what we're going to be looking at for a self employed person, versus the straight w2 is just the gross income divided by 12 months.   Keith Weinhold  33:35   Well, Caeli, this has been really good with some strategies and some actionable tactics. Before I ask how one can learn more about ridge? Is there any last thing that you'd like to share with us, whether that's to expand on anything we discussed, or any of the more nascent things that have happened, like banks holding less in capital reserves, or Fannie Mae, except in crypto back mortgages? Is there anything else we really ought to know?    Caeli Ridge  33:57   You know, I think my advice right now for anybody that is in real estate investing, thinking about getting into real estate investing, be informed. Listen to people like Keith, ideally, listen to people like me. I've been doing this for a very, very long time. I'm an educator at heart. Get your information from sources that you can trust, and try to avoid the analysis paralysis the best you can. I know that people get hung up on that, but now is the best time ever, and I would say that tomorrow and the next day and next year and the year after that, to invest in real estate.   Keith Weinhold  34:27   Yes, the only thing that could possibly make now better than ever is now is sooner than it's ever going to be again. Well, Caeli, if someone wants to get a hold of ridge so they can tell you their situation, and you can then help them find out how you can best help. What should they do?    Caeli Ridge  34:43   There's so many ways. Check out our website, ridgelinengroup.com you can email us info@ridgelinengroup.com you can call us toll free at 855, 74, Ridge. All of those ways get to us, and I look forward to speaking with each and every one of you   Keith Weinhold  34:58   that's been valuable. Always It's been great having you here.    Caeli Ridge  35:01   Thanks. Keith   Keith Weinhold  35:08   Caeli brought up a great point from the lender's view, when they make a loan, it might be safer for them to lend on an income property loan, actually, than it is for your own home, because on the income property, you have a substantially higher qualification bar to clear, and you have to make a higher down payment on it. I hadn't thought about it that way before. As far as Fannie Mae accepting crypto backed mortgage structures, that is still new as of this year. How it works with a crypto backed mortgage is that you're usually getting two loans. First you get a normal mortgage, and then for your down payment, it's a separate loan that's backed by your crypto. Your crypto stays locked up for years and you can't trade it while it's pledged as your home down payment. That's generally how it works. But notice the attraction. You would also get to keep your crypto while you're leveraging it. Also notice the risk there, and very few banks offer this, think Coinbase and not JPMorgan Chase. It's still new and niche, and it remains to be seen whether or not crypto backed loans will gain any real traction. It's only likely going to accept Bitcoin, Ethereum or stablecoins, not altcoins. Only about 1% of homebuyers use crypto in transactions. Most of what the current presidential administration has done focuses on making mortgages easier to get, not in making homes cheaper. Making mortgages easier to get means more bidders and higher prices. Washington can make it easier to get a mortgage, but they cannot make a $400,000 property cost $300,000 we talked about how to borrow to win today, and big thanks to our terrific guest. Until next week, I'm your host. Keith Weinhold, though you might quit your day job, don't quit your Daydream.   Speaker 2  37:17   Nothing on this show should be considered specific, personal or professional advice, please consult an appropriate tax, legal, real estate, financial or business professional for individualized advice. Opinions of guests are their own. Information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of get rich Education LLC, exclusively you   Keith Weinhold  37:45   The preceding program was brought to you by your home for wealth, building, get richeducation.com  

One-on-one pod today: Chris is home in New York, and Jason is in Paris. We chat about Lime biking, Olivia Rodrigo and Aziz on SNL, hosting large files online, “Net 30” negotiations, iced coffee in biodegradable paper cups, L.A.'s “Forest Lawn Drive,” the similarity between Noah Kahan and Them Jeans, the Baby2Baby Gala, hotel room tours and “Italian-style” bathrooms, the Yung Lean choreo, RIP Spirit Airlines, and The Devil Wears Prada 2 is like, a cutting look at the dying media landscape, you guys. twitter.com/donetodeath twitter.com/themjeans howlonggone.com Learn more about your ad choices. Visit megaphone.fm/adchoices

The Knicks and Sixers are set for another heated playoff battle and the tension is already building before Game 1 at Madison Square Garden. Evan Roberts and Shaun Morash break down the biggest keys to the series including how the Knicks can defend Joel Embiid without Karl Anthony Towns or Mitchell Robinson getting into foul trouble. They also discuss Tyrese Maxey's impact, why OG Anunoby could be the X factor, and whether this is finally the year the Knicks break through in the Eastern Conference. Evan and Shaun also pay tribute to the late John Sterling by revisiting some of his most iconic Yankees calls and reflecting on the legendary voice that defined generations of baseball fans. Plus, they react to Joel Embiid calling on Sixers fans not to sell tickets to Knicks fans, debate playoff ticket prices in Philadelphia and New York, and discuss the Yankees decision to send Anthony Volpe back to the minors.

The Knicks are moving on to face the Philadelphia 76ers and Evan Roberts makes it crystal clear he is not afraid of Joel Embiid or the Sixers. Evan and Tiki break down why they still trust the Knicks more than Philadelphia despite the Sixers stunning comeback against Boston, and why Embiid's playoff track record continues to leave major doubts. The guys also discuss the growing hostility between Knicks and Sixers fans as the rivalry reaches another level heading into the series. The conversation also shifts into a tribute to Yankees legend John Sterling as callers begin sharing unforgettable memories from his iconic broadcasting career. From the legendary Didi Gregorius Wild Card home run call to some of Sterling's most creative home run nicknames, the episode captures the impact his voice had on generations of New York sports fans.

Evan Roberts and Shaun Morash dive into the highly anticipated Knicks Sixers playoff series and break down the biggest concerns heading into Game 1 at Madison Square Garden. The guys discuss how the Knicks can defend Joel Embiid without falling into foul trouble, why OG Anunoby could play a massive role in the matchup, and whether Philadelphia's lack of depth gives New York the edge in the series. Evan and Shaun also react to Joel Embiid pleading with Sixers fans not to sell their tickets to Knicks fans after the takeover in Philadelphia two years ago. They debate playoff ticket prices, hostile road crowds, and whether the Sixers fan base finally believes in its team again. Plus, the show honors the late John Sterling with stories and some of his most memorable Yankees home run calls.

Sweeny Murti joins Evan Roberts and Shaun Morash for an emotional and entertaining conversation about legendary Yankees broadcaster John Sterling. Murti shares what it was really like working alongside Sterling for years, from his larger than life personality to the preparation and passion he brought to every single game. The guys also discuss how Sterling turned Yankees broadcasts into theater and why his energy connected with generations of fans. The interview dives into Sterling's unforgettable home run calls, his resistance to modern technology, and the joy he found in creating moments on the air. Murti also explains why Sterling became one of the most imitated voices in sports and how his signature style became part of the fabric of New York baseball. It is a celebration of a broadcasting icon whose voice defined Yankees baseball for decades.

Evan Roberts and Shaun Morash explain why this postseason feels like a massive opportunity for the Knicks as they head into a second round showdown with the Sixers. The guys debate whether the Eastern Conference is as open as it has ever been, why this could be the Knicks best path to the NBA Finals, and the troubling playoff trend New York has faced when entering a series with home court advantage. Evan and Shaun also continue celebrating the life and legacy of John Sterling with more iconic Yankees calls including Raul Ibanez's unforgettable postseason heroics. Plus, they discuss Anthony Volpe being sent back to the minors, whether the Yankees should develop him into a utility player, and how playoff belief can completely transform a fan base overnight.

Evan Roberts and Shaun Morash are joined by Suzyn Waldman for an emotional conversation about the life and legacy of John Sterling. Suzyn reflects on their decades together in the booth, sharing personal stories about Sterling's kindness, humor, passion for baseball, and the unique personality that made him beloved across New York sports. The interview revisits Sterling's iconic home run calls, his emotional call of Derek Jeter's 3,000th hit, his old school lifestyle, and the way he connected with both players and fans. Evan and Shaun also discuss why Sterling's broadcasting career deserves Hall of Fame recognition and why his voice will always be tied to Yankees history.

The show opens with an emotional tribute to legendary Yankees broadcaster John Sterling following news of his passing. Evan Roberts and Shaun Morash reflect on Sterling's impact as the soundtrack of Yankees baseball for generations of fans, revisiting iconic moments from the dynasty years and celebrating the unforgettable home run calls that made him a New York sports institution. From Derek Jeter's 3000th hit to the 2001 World Series, the conversation highlights why Sterling's voice became inseparable from Yankees history. The episode also features memorable listener requests for classic Sterling home run calls, stories about his larger than life personality, and a heartfelt interview with Susan Waldman about their decades together in the booth. Later, Evan and Shaun shift to Knicks Sixers playoff talk, debating Joel Embiid's legacy, why the Knicks should feel confident heading into the series, and what makes this current New York team different from years past.

Evan Roberts and Shaun Morash remember the legendary John Sterling with Susan Waldman, who shares a deeply personal tribute to her longtime broadcast partner and friend. Waldman reflects on Sterling's kindness, his love of baseball, his old school quirks, and the dream job he wanted since childhood. The conversation revisits Sterling's iconic home run calls, his bond with Yankees players and fans, his emotional call of Derek Jeter's 3,000th hit, and why his voice became essential to New York baseball. Evan and Shaun also make the case that Sterling belongs in the Baseball Hall of Fame, celebrating a broadcaster whose legacy reaches far beyond the booth.

The Knicks are headed for a showdown with the Philadelphia 76ers and Evan Roberts is not buying the hype around Joel Embiid. Evan and Shaun break down why they believe the Knicks are the better team despite Philadelphia's comeback win over Boston, and why the Sixers still carry the reputation of playoff frauds until they prove otherwise. The guys also dive into the growing rivalry between Knicks and Sixers fans and what has Philadelphia so rattled heading into the series. The show also turns into a celebration of legendary Yankees broadcaster John Sterling as callers and guests share favorite memories, iconic home run calls, and behind the scenes stories from his remarkable career. From Didi Gregorius' unforgettable Wild Card homer to the bizarre Rick Camp call from 1985, the episode captures why Sterling became the soundtrack for generations of New York baseball fans.

Start your journey to financial independence. Learn how you can be an Empowered Investor today! Get your tickets to https://empoweredinvestorlive.com/ now! Jason and Michael Zuber discuss the negative consequences of current economic and social policies in Western nations. They argue that countries like Australia and the United States are using high levels of immigration to temporarily mask deeper financial mismanagement and housing shortages. They focus on progressive tax regimes in cities like Seattle and New York, which aggressively target the wealthy and drive away essential tax revenue. They assert that mobile capital will naturally flee predatory government environments, leaving the middle class to bear the resulting financial burden. Ultimately, they critique big government intervention and advocate for asset ownership as the only reliable path to wealth in a fiat economy.   Key Takeaways: 0:00 Why so many intellectuals are often left leaning 3:56 Australia is booming 10:46 Get your tickets to https://empoweredinvestorlive.com/ now! 11:05 Mayor of Seattle and the mobile millionaires 17:02 Mayor of New York vs. Ken Griffin 23:00 Spencer Pratt and the Socialist Republic of California  23:56 See you all at Empowered Investor LIVE!  May 15-17, 2026 Friday to Sunday #CapitalMobility #TaxRefugees #EconomicMigration #MillionaireTax #RealEstateInvesting #HousingCrisis #FiatEconomy #AssetOwnership #WealthGap #KShapedEconomy #GovernmentOverreach #EconomicRefugees #TaxRegimes #FinancialFreedom #StateTaxes  _______________________________________________________________ Follow Jason on TWITTER, INSTAGRAM & LINKEDIN Twitter.com/JasonHartmanROI Instagram.com/jasonhartman1/ Linkedin.com/in/jasonhartmaninvestor/ Call our Investment Counselors at: 1-800-HARTMAN (US) or visit: https://www.jasonhartman.com/ Free Class:  Easily get up to $250,000 in funding for real estate, business or anything else: http://JasonHartman.com/Fund CYA Protect Your Assets, Save Taxes & Estate Planning: http://JasonHartman.com/Protect Get wholesale real estate deals for investment or build a great business – Free Course: https://www.jasonhartman.com/deals Special Offer from Ron LeGrand: https://JasonHartman.com/Ron Free Mini-Book on Pandemic Investing: https://www.PandemicInvesting.com

Jerry Robin was paralyzed six days after his first Gypsy Tales episode dropped. One year later, he's back — breaking down the physics of his crash at MetLife Stadium, the moment sensation deleted from his body inch by inch, what it was actually like in rehab, the suicidal thoughts he doesn't hide from, and how two rounds of experimental stem cell treatment are rewriting what doctors said was a complete spinal cord injury.Jerry Robin is a professional supercross racer and FXR athlete who competed in the 450 SX class. He suffered a complete thoracic spinal cord injury at Supercross in New York in April 2025 and has spent the year since undergoing stem cell treatment, rebuilding his life, and joining FXR full-time in a remote role.In Chapter 399, Jerry Robin reveals:- The exact mechanics of his crash — why going straight up instead of forward changed everything- The moment his body shut down, sensation deleting from his chest to his feet in real time- Suicidal thoughts in early rehab, and the wife who drove 1 hour 20 minutes to Casa Kalina nearly every day to save his life- Two rounds of stem cell treatment — what they gave back, including diaphragm function that nearly killed him when a blood clot released during his first meal after surgery- Why he left rehab early and chose to learn by making real mistakes at home- Standing 20–30 minutes a day on a Smith machine with eyes closed, visualizing every step of walking- Adler Caudle, Road 2 Recovery, and the people who showed up when it counted- His new remote role at FXR managing amateur teams and accounts- The privateer debate — Josh Greco spent $60K in entry fees to make 3 mains, and what that tells you about the sport- 450 Supercross Championship predictions — Lawrence, Hunter, or Eli?Enjoy Chapter 399 Ft. Jerry Robin — like, subscribe, and comment below.---TIMESTAMPS:00:00:00 Intro00:02:16 Welcome Back Jerry Robin00:03:00 Adjusting to Life in a Wheelchair00:05:34 Choosing Not to Give Up00:07:04 Jerry Relives the Day His Life Changed00:11:19 The Moment Jerry Hit the Ground00:12:30 SOTA Fuel00:13:08 When Jerry Lost Feeling00:19:41 Adler Caudle00:21:26 First 48 Hours00:35:33 Destination Yamaha00:36:58 Waking Up From Surgery00:42:24 Starting Rehab00:45:28 The Support of Jerry's Wife00:58:35 The Mental Challenge01:06:39 Trying to Stay Positive01:17:58 Why Jase Started SOTA Fuel01:22:35 The Power of Visualization01:26:14 Motosport01:28:02 Why Do Therapy01:36:18 The Stress of Racing Supercross01:37:48 How Jerry Stays Fit01:49:20 Road 2 Recovery01:54:42 Learning to Accept It02:01:00 Jerry's New Job at FXR02:07:25 The Privateer Debate02:19:57 Brunt Workwear02:21:27 Privateers Are NOT the Backbone of the Sport02:29:44 Supercross's Biggest Problem02:35:46 This Would Fix the Privateer Issue02:45:58 Jerry's Inspiring Story02:50:45 450 Supercross Championship Predictions02:58:04 Closing---

(0:29) — KNICKS: The Knicks prepare for their rematch against the 76ers in the second round, JJ gives his series prediction. (11:53) — YANKEES: The Yankees continue to be the class of the AL as they win their series against the Orioles. Anthony Volpe will stay in the minors. (18:59) — METS: The Mets take two against the Angels to get their first series win in a month. (22:34) — CALLS: Callers talk Yankees, Mets, and Knicks. (36:14) — JONATHAN MACRI: Knicks Film School's Jonathan Macri returns to the show to break down the Knicks-Sixers series, Tyrese Maxey vs. Jalen Brunson, and the x-factors for New York to advance to the conference finals. We want to hear your thoughts! Call the listener line at 917-382-1151 and share your message for JJ. Subscribe to NYNY's YouTube Page: https://www.youtube.com/@NewYorkNewYorkwJJ. Follow JJ on Twitter: https://twitter.com/john_jastremski. Follow ‘NYNY' on Instagram: https://www.instagram.com/nynywjj/ Host: John Jastremski Guests: Jonathan Macri Music: Frontier Learn more about your ad choices. Visit megaphone.fm/adchoices

Dave and Sean sit down for a real, behind-the-scenes recap of Health Is Wealth—the first and largest wellness expo in Westchester County, New York. From the original vision to execution, they break down how the concept was built, the strategies that brought it to life, and what it actually took to deliver an event with over 600 attendees, 80 vendors, and 39 speakers. This episode dives into what worked, what they'd improve, and the leadership lessons learned under pressure. If you're building something big or looking to turn an idea into impact, this is the blueprint that's raw, honest, and full of game!

Zohran Mamdani has been mayor of New York for about four months now and though it's early to assess his record, it's not too soon to discuss his approach to running the city—and his particular brand of democratic socialism. Adam and Cameron took up the issue in front of a live audience at the Caveat Theater in Manhattan last month. We thought our listeners would enjoy the segment. Learn more about your ad choices. Visit megaphone.fm/adchoices

Iran says US has responded to its latest peace proposal. Iran says President Trump must now choose between an impossible military operation and a bad deal if he wants to end the war. We hear from the brother of the jailed Iranian Nobel peace laureate Narges Mohammadi. He says she and other prisoners are dying as a result of deliberate medical neglect.Also on the programme: Ukraine's been stepping up its offensive against Russia's oil infrastructure in recent days; and ahead of the 2026 Met Gala, British fashion designer Zandra Rhodes and Elizabeth Way, curator at the Museum at the Fashion Institute of Technology in New York, discuss if fashion is art. (Photo: Iranians walk past a huge anti-US billboard referring to US president Donald Trump and Strait of Hormuz at Valiasr square in Tehran, Iran, 02 May 2026. Credit: ABEDIN TAHERKENAREH/EPA/Shutterstock)

Dida Pelled on her journey from Tel Aviv to New York, where she evolved from a jazz guitarist into a multifaceted artist - singer, songwriter, bandleader, and radio host. She discusses her latest album I Wish You Would, a blues-focused project recorded with Tony Scherr, Kenny Wollesen, and Sullivan Fortner, as well as her approach to tradition, identity, and finding a personal voice across genres. And she talks about how along the way she discovered the truth about her sexuality, her singing, and the six strings she loves so much. www.third-story.com www.leosidran.substack.com www.wbgo.org/podcast/the-third-story  

This week, we talk about spectacular landmarks built by visionary entrepreneurs.These magnificent buildings stand in Toronto, New York and Chicago.They are all very different in design, built in different eras, but they share one thing in common.They are all named after famous brands.And it's easy to forget that.We know you want to listen to all the ads in this show. On the off-chance you don't, subscribe ad-free here. Hosted on Acast. See acast.com/privacy for more information.

On this episode of Latinos Out Loud, Rachel La Loca chats with performing arts pros and mother-daughter duo, Rosalba Rolón and Rosal Colón. Rosalba is the Artistic Director of the Pregones and Puerto Rican Traveling Theatre, while her daughter Rosal is an actress, and has now made her stage directorial debut with The Wedding March. You may know Rosal from the many TV roles she's played like “Juliana Ayala” on Power Book III: Raising Kanan (Starz) and “Ouija” on Orange is the New Black (Netflix). Her film credits include The Lost Girls (Netflix), The Dead Don't Die (Focus Features) and Can You Ever Forgive Me? (Fox Searchlight) Part of the company's original musical theater repertory, The Wedding March is based on Judith Ortiz Cofer's acclaimed book Silent Dancing: A Partial Remembrance of a Puerto Rican Childhood. It was first adapted for the stage and directed by Rosalba in 1991, and this revival is a beautiful passing of the baton to her daughter, Rosal. The production is "a lyrical performance on womanhood, memory, and cultural identity as a Puerto Rican woman reclaims the haunting, humorous, and formative tales passed down by generations of women before her. It's a moving journey across Puerto Rico and New York, heritage, and transformation.” The show stars Jenyvette Vega, Gabriel Leyva and Fernando Contreras, and runs at the PRTT through May 3. Click here for tickets Follow Latinos Out Loud
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This week we've got Anyi Malik in the turtle lair and we get into everything from awkward apologies to wild debates about culture, dating, and the internet. From brutal dry-cleaning interaction, politics turning into full-blown ignorant events, food truck culture and what you will (and won't) eat, the Michael Jackson movie and why he still dominates conversations, dating, monogamy, and modern relationship takes, plus viral internet clips that make you question everything!DON'T FORGET TO LIKE, SHARE & SUBSCRIBE https://www.youtube.com/channel/UCLAUp-4rTF4q4XLujbJ51YQ TOUR DATES https://www.linktr.ee/nnfaMERCH https://nnfa.creator-spring.com/ BONUS CONTENT https://www.patreon.com/c/ImDaveTemple?utm_medium=clipboard_copy&utm_source=copyLink -----------------Follow host Derek GainesIG https://www.instagram.com/thegreatboy/ YouTube https://www.youtube.com/channel/UCEQDlfXd3hPcpTkU8xHYBTg Follow host Dave TempleIG https://www.instagram.com/imdavetemple/ YouTube https://www.youtube.com/@DAT46Follow guest Anye MalikIG https://www.instagram.com/anyimalik/ Follow No Need for ApologiesIG https://www.instagram.com/nnfapodcast/ TT https://www.tiktok.com/@noneedforapologies FB https://www.facebook.com/noneedforapologies/Produced by Teona SashaIG https://www.instagram.com/teonasasha/TT https://www.tiktok.com/@teonasasha -----------------To advertise your product on our podcasts please email jimmy@gasdigitalmarketing.com with a brief description about your product and any shows you may be interested in advertising on.SEND US MAIL:GaS Digital StudiosAttn: NNFA151 1st Ave # 311New York, NY 10003"No Need for Apologies" - NEW Episodes every Saturday at 3PM/ET on YouTube-----------------⏱️CHAPTERS00:00 Intro00:45 Welcome to the Show01:25 Anyi Malik Joins the Show06:30 Dave's Apology - Dry Cleaner Story08:30 Derek's Apology09:30 Anyi's Apology of the Week12:10 Politics Events Aint Safe17:00 “White Loud” vs “Black Loud”20:20 Food Truck Debate

LISTEN WITHOUT ADS ON PATREON! www.patreon.com/dopeypodcast Dopey Episode Summary This Week on Dopey! We open the show in full single-dad chaos mode—juggling pickups, tutoring, dance class, concerts, naps gone wrong, and trying to make it home in time for the Knicks game. He announces the upcoming Dopey Recovery Short Film Festival, then reads an extremely heavy anonymous listener email about sexual compulsion, addiction, shame, and finding support through SLAA. The episode then shifts into classic Dopey mode with a wild voicemail involving cocaine psychosis, being naked with a fork, a pheasant-feather hat, and a guy selling condoms on campus. We dives into Spotify and Patreon comments from the Andy Dick episode, reading praise, criticism, jokes, sobriety milestones, and fan reactions. Then the show turns into the main event: a long, gritty, hilarious and vulnerable interview with Zoe Hansen. Zoe talks about growing up in wealthy but emotionally barren Chelsea, London, getting kicked out of school, discovering punk rock, heroin at 15, and moving to New York at 17. She describes working in hair and nightlife before entering the sex industry to support her habit, eventually becoming a seasoned brothel worker and heroin addict in late-80s Manhattan. She tells incredible stories about brothel life, clients, police raids, methadone stash strategies, Lower East Side heroin stamps, speedballing in Hell's Kitchen, dying briefly after a cocaine overdose in the Chelsea Hotel, waking blind, and living in the room where Nancy Spungen died. Zoe also reflects on spirituality, trauma, recovery, old New York, and writing her memoir Going Down in Gotham. A true Dopey legend episode. All that and MORE MORE MORE this week on a brand new episode - of your favorite good old Dopey show! Check our new sponsor: www.workithealth.com/dopey   Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

What does it actually look like to spend just $400 in a week… intentionally, joyfully, and with a clear-eyed plan for the future? This week on A Week in Her Wallet, Jean sits down with Ann, a 63-year-old Early Childhood Director from upstate New York, who is on a mission to build what she calls her "rich enough old lady future self." Ann brings in over $100k a year, but her spending week clocked in at under $400, not because she's depriving herself, but because she's figured out exactly what she values and what she doesn't. From homemade iced coffee and Sunday meal prep to a cleaning splurge she refuses to apologize for, Ann's week is a masterclass in intentional money. In this episode, Jean and Anne talk about: The "All About Me" account Anne created to spend guilt-free — and why it changed her relationship with money How a scarcity mindset from childhood still shows up today, even after buying window treatments she saved two years for Why Ann went from DIY-ing her investments to hiring a financial advisor, and why she calls it the best money she's ever spent Her paid-off Honda, "the green lady," and what shifting from luxury cars taught her about values Navigating finances in a new relationship after a 36-year marriage ended What she wants women in their late 50s and 60s, especially those feeling behind, to hear If you want to be considered for a future episode of A Week in Her Wallet, fill out the form here, we'd love to hear from you. Learn more about your ad choices. Visit megaphone.fm/adchoices

PODCAST LAS NOTICIAS CON CALLE DE 1 DE MAYO - Protestas en la milla de Oro y otras partes de San Juan como parte del día de la clase trabajadoraFiscal que archivó castigo contra Secretaria de Familialogra mejor puesto en gobierno - Noticel Se estremece el dólar tras Japón intervenir en el Yen para subirlo de valor, carros japoneses pudieran subir de precio, etc. - Bloomberg Republicanos le quitan poder al voto boricua en Florida con nuevo mapa electoral aprobado ayer en la Legislatura - Fox News No va eliminar la crudita de PR porque hay que conseguir los fondos si haces eso - Metro Emigran menos boricuas a USA, Texas sube como preferencia y New York baja - El Nuevo Día Ética va a evaluar denuncia contra jefa de Familia - El Nuevo Día Le suben fondo de Medicare Advantage a PR por encima de Estados Unidos - El Nuevo DíaEducación perdería casi 20% de sus estudiantes en 4 años - El Nuevo Día Presidenta UPR dice que va para los tribunales para reabrir la UPR - El Nuevo Día Se va Arby's de PR tras no funcionar su modelo - El Nuevo Día Detenido Amazon en PR por permiso de carreteras que ellos tienen que cumplir - El Nuevo Día Empresas de Taiwán consideran a PR para Pharma y microprocesadores - El Nuevo Día Regresa American Airlines a Venezuela - Miami Herald Trump dice que mantiene el bloqueo a Irán y vence hoy el plazo de 60 días de la War Powers Resolution. Trump asegura que la guerra ya "terminó”, por lo que no necesita permiso del Congreso "El plazo de 60 días para que la administración consiga aprobación del Congreso o termine las hostilidades no es una sugerencia; es un requisito." — Susan Collins, senadora republicana de Maine Encuentran cuerpo de hombre y mujer en Mayagüez, heridas de arma clanba y casquillos de bala en escena - Noticentro Comienza juicio contra Elvia Cabrera por YouTube Jay Fonseca PR Gasolina en 4.40 el galón, precios más caros en la historia Mañana es el 10k del Teodoro Moscoso, así que no hay acceso por el puente #lilly #mounjaro  Incluye auspicio

Energy analyst Isaac Orr joins Brian Nichols to reveal the real reason your electric bill is exploding and why monopoly utility companies (not AI or data centers) are jacking up your rates right now. Indiana electricity rates are climbing almost twice as fast as the national average. Coal plants are getting prematurely shut down. Wind, solar, and battery storage are getting bolted onto the grid... and YOU pay for it through something called the cost-of-service formula. Inside, Isaac exposes the regulatory scam buried inside every state utility commission - the formula that lets monopoly utilities charge you whatever they spend, plus a guaranteed 10% profit on top. We break down why blue states own the highest electricity rates in America. We expose why the map of expensive power looks identical to the electoral map. And we get into the playbook nobody wants to talk about because it's "boring"... which is exactly how regulators want it. So what happens when ideology collides with the physics of how the grid actually works? You pay. $1.4 trillion in new power plant infrastructure is coming in the next 5 years. Residential ratepayers will be on the hook for roughly 20% of it. New York's own energy agency, NYSERDA, just admitted that the state's 2019 climate law will cost households $4,000 a year. .. Sound familiar yet? Chapters:0:00 - Intro2:30 - The Real Reason Your Electric Bill Is Exploding (Not AI)6:30 - The Monopoly Utility Cost-Of-Service Scam Explained13:00 - Why Indiana Rates Rise Twice The National Average17:00 - Data Centers: North Dakota vs New Jersey Disaster22:00 - The $1.4 Trillion Infrastructure Bill Hitting Ratepayers25:00 - NYSERDA's $4,000 Climate Bombshell Issac's Primary Links:Always On Energy Research: ⁠https://www.aoenergy.org/⁠Energy Bad Boys Substack: ⁠https://energybadboys.substack.com/⁠Isaac Orr on X: ⁠https://x.com/TheFrackingGuy⁠TBNS / Brian:Brian on X / Instagram: @BNicholsLiberty The Brian Nichols Show: youtube.com/@TheBrianNichols ShowStudio sponsor - Cardio Miracle: cardiomiracle.com/TBNSReferenced quote:H.L. Mencken: "Democracy is the theory that the common people know what they want, and deserve to get it good and hard." Learn more about your ad choices. Visit megaphone.fm/adchoices

The Knicks rolled through Atlanta in a stress free playoff blowout, but Evan Roberts and Tiki Barber quickly turned the focus toward the much tougher question ahead. With the Celtics struggling and the 76ers suddenly surging behind Joel Embiid, the guys debate which opponent Knicks fans should actually want in the second round. From Boston's championship pedigree to Philadelphia's dangerous upside, the conversation becomes a battle between trusting talent or trusting playoff DNA. Evan and Shaun break down Mitchell Robinson's emotional ejection, why the Knicks handled the second half carefully, and how fans balance confidence with postseason scars. The episode also dives into home court advantage, Embiid's health concerns, the psychology of rooting for future matchups, and the deep rivalry New York fans still feel toward both Boston and Philadelphia sports.

The Knicks delivered a statement win with a dominant blowout over Atlanta, but the real debate started after the final buzzer. Evan Roberts and Tiki Barber break down the growing excitement around this Knicks run and why the conversation has already shifted to the next playoff challenge. With Boston looking vulnerable and Philadelphia suddenly surging behind a healthy Joel Embiid, the guys debate which matchup should scare Knicks fans more and whether championship DNA matters more than talent on paper. The episode dives into the emotional mindset of New York fans during playoff season, from enjoying stress free blowouts to reliving past postseason scars and rivalries. Evan and Shaun also discuss Mitchell Robinson's fiery ejection, OG Anunoby's massive impact, and the strange psychology of rooting for future playoff opponents. Plus, the Yankees face a major Anthony Volpe decision, the Mets youth movement sparks debate, and callers weigh in with unforgettable New York sports memories and playoff atmospheres.

Evan Roberts and Shaun Morash discuss the Knicks' Game 6 trouncing of the Hawks as an entertainment product, wondering if New York's near-historic margin of victory was a bit too large to be entertaining. Change the channel? Or watch it all the way?!

Evan Roberts and Shaun Morash look ahead to the Knicks' next playoff matchup while debating whether Boston or Philadelphia would be the better draw for New York. The conversation touches on playoff scheduling, road trip possibilities for Knicks fans, the joy of a stress free blowout win, and why some fans still feel the Knicks are not getting enough respect from oddsmakers. The hour also shifts to Pete Alonso's return to New York as a member of the Orioles, with the Yankees set to host Baltimore and Mets fans potentially showing up to cheer their former star. Evan and the crew discuss why Alonso's reception could say as much about Mets frustration as it does about Pete, while also asking whether he could eventually become a true Yankees rival in the American League East.

Evan Roberts and Shaun Morash react to the Knicks' dominant Game 6 win over the Hawks! New York broke NBA records by embarrassing Atlanta on their home floor - and OG Anunoby, Mikal Bridges, and Mike Brown were key!

Evan Roberts and Shaun Morash open Friday's show by reacting to, and breaking down, the Knicks' resounding Game 6 blowout of the Hawks. Was it too big of a blowout to be entertaining? Who should New York fans want in Round 2?

The Mets are spiraling, and Evan Roberts and Shaun Morash dig into why the frustration around Carlos Mendoza is only getting louder. With the team sitting at the bottom of baseball, the conversation turns to whether a managerial change should be on the table, even if the struggles are not entirely his fault. The episode also brings some much needed comedy, from a hilarious Little League draft pick story involving Pete Alonso to another round of “Idiots With Idioms.” Evan and Shaun then test New York sports history by running through postseason battles between New York and Atlanta teams, uncovering just how often New York has had the upper hand.

Evan Roberts and Shaun Morash dive into a loaded New York sports hour, from Russell Wilson's possible move to CBS to the growing question of whether the Jets should want him anywhere near their quarterback room. The conversation quickly turns into a lively review of Knicks playoff predictions, with everyone at WFAN getting graded on how close they came to calling the series. The Knicks dominate the heart of the episode, with debate over whether Boston or Philadelphia is the better next opponent and why Joel Embiid's history with Karl Anthony Towns could make a potential Sixers matchup must listen drama. The hour also tackles David Stearns backing Carlos Mendoza despite the Mets' disastrous slide, raising bigger questions about roster construction, accountability, and Steve Cohen's public silence.

The Knicks are rolling, Madison Square Garden is alive again, and Evan Roberts and Shaun Morash discuss why this era feels like a modern version of the franchise's glory days. After another dominant playoff performance, the conversation shifts into the emotions of New York sports fandom, from unforgettable blowout victories to the unique stress relief that comes with watching your team cruise in the postseason. Evan and Shaun debate Volpe's future role, the rise of George Lombard Jr., and whether the Yankees are finally becoming more flexible with young players. The conversation also expands into the Mets youth movement, legendary New York playoff memories, and why fans never truly relax during postseason runs.

It's Friday and you know what that means...Klein took the day off! For real he has to go to his Niece's Bat Mitzvah in New York and is probably having a lot less fun than we are, but still, let's give him shit about it! Ally empowered Vanessa by letting her administer her IVF shot today, though she was shaking with anxiety the whole time and definitely watched the wrong YouTube video on how to do it. Listen to find out her weird 'three finger butt crack rule.' Listen to find out if Ally dies! We also got a new complaint from a 'former' listener who had opinions about a recent toilet-baby joke and Klein's recreation of a Disabled placard. Ally is also in trouble with her wife over something she said on yesterday's show that she shouldn't have, which landed her in the 'Malibu Moms' Facebook group. We also learned Johnny wants to stick things inside a chicken during Johnny Doesn't Know and that Ally's wife is completely delusional when she presented a new list of demands during El Cheapo.

On this week's episode of AvTalk, the NTSB's preliminary report on the crash at La Guardia Airport in New York lays out the avenues of investigation and spurs the Port Authority to action. FedEx says it will put the MD-11 back into service in May, but the FAA still needs to weigh in. US low […] The post AvTalk Episode 368: Humanoids handling your bags? appeared first on Flightradar24 Blog.

Guests: Mollie Hemingway and Janie Nitze Host Scot Bertram talks with Mollie Hemingway, Senior Journalism Fellow at Hillsdale College and editor-in-chief at The Federalist, about Justice Samuel Alito's impact on the Supreme Court and her new book Alito: The Justice Who Reshaped the Supreme Court and Restored the Constitution. And Janie Nitze, lawyer and New York […]

Lee Zeldin, former candidate for Governor of New York and 17th administrator of the Environmental Protection Agency, joined us on the Guy Benson Show today to discuss his hilarious exchanges with Democrats on Capitol Hill this week. Zeldin had two viral exchanges, one with Rep. Rosa DeLauro (D-CT), and one with Sen. Sheldon Whitehouse (D-RI), and he discussed both on today's Guy Benson Show. Zeldin and Benson also discussed comments made by NY Gov. Kathy Hochul as she begged wealthy New Yorkers to return to the state, and you can listen to the full interview below! Learn more about your ad choices. Visit podcastchoices.com/adchoices

Retired Kansas City Police Intelligence Unit detective Gary Jenkins reports his previous contributor, Matt, who he interviewed on a new theory on the Carmine Galante hit, answers questions we have seen on various social media outlets. Matt claims the U.S. attorney and the FBI got it wrong when they alleged and convicted Bruno Indelicato for this murder. Challenging the official story, Matt reveals new theories, missing evidence, and the role of younger mobsters in one of the Mafia's most infamous assassinations. In this bonus episode, I had Matt record his answers to the doubters of his theory. click here to see the book Made on Long Island.   [0:00] Well, hey, all you wiretappers out there, this is Gary Jenkins, as a lot of you know, retired Kansas City Police Intelligence Unit detective [0:06] and now podcast host and producer and all that. And I was contacted by my guest I had on recently, who was only known as Matt. He’s a guy who supplied all the information to the author of Brantley Scarbrough, who wrote Made in Long Island. That was just out a couple of weeks ago. And I’ve never met Scarborough, and I don’t know any more about him. and I’ve never met Matt in person. I’ve had some emails and some Zoom calls with Matt, but I’ve never actually seen him either. But I recognize his accent, and he does come from the Long Island, New York area. And he does have some interesting stories about growing up with younger mobsters and the Bonanno and Gambino families and doing the fireworks business with Gotti and some of the other horse racing fixing business and that kind of thing, but he made quite a claim that the accepted suspects and the hit on the banana wannabe boss, Carmine the Cigar Galante. [1:11] Was not who the government claims it is. [1:14] And the government only claims one guy, and that’s Bruno or Anthony Bruno Indelicato. He claims it was some young guys who had a grudge against Galante, and they heard that this hit was approved by the commission, and they jumped in there and did it before Joe Massino got his crew set and were all ready to go and carry out this approved hit. Now, there’s no dispute that the commission approved this hit, I don’t think. There may be some disagreement about who actually carried it out. I think there’s no doubt that the two Zips, who were bodyguards, Cesare Bonaventure and Baldassario Amato, did not resist the hit. They took no action and just walked out and left, and then were interviewed by the government later on. Of course, they wouldn’t say anything. They probably knew he was scheduled to be hit, and they knew this was coming. And both were promoted in the Bonanno family right after, so that tells you something. Now, in the commission trial, that’s where Anthony Delicato got convicted for the hit on Carmine Galante. And in the commission trial, the government did convict Tony Salerno, boss of the Genovese family. [2:26] Anthony Tony Dux Corralo, boss of the Lucchese family, Gennaro Jerry Lang Langella, the Colombo family acting boss and regular underboss, Salvatore Tom Mix Santoro, who was a Lucchese family underboss. Christopher Christie Tick Funari, Lucchese family consigliere. [2:45] Ralph, little Ralphie Scopo, the Colombo family soldier. Carmine Junior Persico, who was the boss of the Colombo crime family at that time. [2:55] Stefano Canone, Bonanno family consigliere. [3:00] Anthony Bruno Indelicato, Bonanno family capo. Paul Castellano and Mr. Neal, Neal Delacroche, were not in the trial because they died. They were charged, but they died just before the trial. Now, on the YouTube show we did, we got a lot of comments and Matt’s got a lot of questions. And he wants to address and clarify why he doesn’t believe that the government’s claim that Anthony Delacato and two unknown men killed Galante. So I said, you know, I don’t know what to tell you. I said, you know, record and clarify your claim and see if you can address any of these questions that people have had in the comments section. Now, this may end up like all the competing theories on Jimmy Hoffa’s death and where his body by body might be. I don’t know. But at least Frank Sheeran, the Irishman, did not claim the Galante hit as best I can remember. So anyhow, here’s Matt’s story. I just want to say thank you so much for the interest we’ve generated from Gary’s Gangland podcast. [4:03] A lot of learning goes on here, and that’s where I’m going to start off. One item keeps coming up, and believe me, I’m not being the slightest bit condescending. If you don’t study this stuff and look at it, you have no way of knowing this. If you were to punch in right now, because we’ve done it, like Google searches, what evidence was used against Bruno and Delicato? Well, one thing that comes up, and a couple people referenced in the emails and on the posts, was ballistics. [4:27] They had ballistic evidence against Bruno Indelicato. Boy, that’s pretty strong. I mean, ballistic evidence is very, very strong. So let’s go through the ballistic evidence. Let me start off by saying there’s none. What you’re reading on that, and if you read the fine print closely and go back to the source, that is AI-generated garbage. That’s why we don’t like AI. The definition of ballistic evidence would be something like this. We pulled a slug out of a wall. We pulled a slug out of a victim. We locked a guy up. The guy had that gun on him. We matched that slug to that gun. That is ballistic evidence. There was absolutely none of that presented against Bruno Indelicato, despite what AI says. Again, if you take away one thing, please take away the fact that don’t ever use AI as a source. Now, I know one other thing people asked about was the progression on all this. And again, the book details it with so many stories, so many different John Gotti stories in there that people never heard about. But here’s a brief summary of the progression. [5:28] Our friends were young. We were crazy. We dealt fireworks. We dealt so much, they had to bring in the boss. The boss at that time for that area was John Gotti. To us, it was the same as John Smith. We never heard of the guy. He was great to us. We sold a ton of fireworks. He gave us more and more locations, more and more responsibility. Our friends made a fortune. One of our friends, we thought, had a car accident. Two of the bodyguards who helped our friends kill Galante, Baldo and Chesaree, they approached us at a wake and said, look, your friend was not the victim of an accident. Your friend was the victim of a homicide authorized by Galante. We verified there was bulletholes in his car from the impound yard, from the police sources we had. Kept it under wraps for two years. One of the card games, Angelo got word to our friend Tommy that the commission, in fact, did authorize a hit on Galante. The hit was to be done conjunctively with the Gambinos and the Bananos. Our friend Tommy jumped the gate. He said, we’re going to avenge our friend’s death, put together the team that did it. The details are shocking about what our team did to get the hit done. I mean, details you’re shocked about an alibi jumping off of a boat to create an alibi. I want people to read about this. Having police sources helping the hit, Including holding the spaces on July 12th When the hit went down Holding two different parking spaces at that location I hope this helps people Now I want to get back to another one that keeps coming up People keep saying Oh well they’re on tape celebrating. [6:57] People, please, we’ve made some videos on this at YouTube. Go look at them. You can pull them up. They’re online. You can find them. [7:05] There’s a bunch of sources that have them. Watch the raw video. That is not a celebration. That is a beef being put in. Sonny Red Indelicato is furious. He’s going at it with his consigliere, Stefano Canaan, Stevie Beefs. And you can see in his face, you can see his body language and mannerisms. He walks away from him and then he rushes back quickly and goes to his face. That is not a celebration. That’s anger. Stefano Canone actually points in back of him, pointing at the Ravenite. And he’s basically telling him, look, we’ve registered the beef. Neil is inside. Neil is trying to decipher all of this also, because, again, the whole conflict was this. The commission ordered this hit. People say, oh, they approved that. I’m telling you, the commission, the ones who ordered the hit, they gave the work to Joe Massino, who was going to oversee the job. However, the commission specified that it had to be done jointly between the Gambino family and the Bonanno family. Sonny Red and Indelicato was furious that he was left out of the hit. Simultaneously, John Gotti over in Ozone Park, Queens, was furious that he was let out of the hit. [8:19] You just have to understand, in Cosa Nostra, you do not go out and celebrate a hit after it’s done. You don’t even show your face. Everything in a hit like this is meticulously planned and organized. You know exactly where the getaway cars are going to go and who’s going to chop them up. There is no shot in the world that an expert like Sonny Redd is going to leave a getaway car from a triple homicide out in the middle of the street. That does not happen. Let me tell you something. That’s called botching a hit, both of those acts. If you botch a hit in Cosa Nostra, you’re the next one on the other end of the next hit. You’re going to get hit. There’s plenty of cases where people screwed up hits and didn’t dispose of vehicles properly, and they’re the next ones to get hit. So anyone who thinks it’s a celebration and thinks that that’s Cosa Nostra protocol to go out and celebrate is sadly mistaken. That’s why right away the FBI and Cosa Nostra members knew, obviously, Sonny Red Indelicato, his brother JB, Phil Lucky, Bruno and Delicato, all those guys had nothing to do with the hit. If they did, they would have been buried in a safe house. They would not be out in front of what we call the FBI screen test at Mr. Neal’s Club, the Ravenite in Manhattan. Now, people also say another phrase or two that I really love, the smell test. Okay, the smell test. Let’s talk about that. You had two trials going on simultaneously in 1985. [9:48] Same building, Brooklyn, Pizza Connection case and the commission case. The FBI had been broken down into five different squads, one for each family. You know them all, Colombo, Gambino, Lucchese, Genovese, and of course, the Bonanno. Now, the Bonanno section of the FBI, the Bonanno squad, had the most to do in these cases. Most, if not all, the pizza connection focused on the Bonannos, and a good chunk, especially 100% of the Gallant they hit, focused on the Bonannos, and that was in the commission case. These guys talk to each other. They live, eat, and breathe with each other. So if you want to talk about a smell test, can somebody tell me why in Richard Martin, he was the prosecutor, by the way, in the Pizza Connection case, they absolutely refused to say who killed Delonte in that case? [10:39] They came out and said in the indictment and in testimony, three unknown males killed Delonte. [10:46] Now, people talk about it’s easy to see. Bruno and Delicato did it. So you want to tell me that five and six years after the hit, FBI agents that were on the Banano squad, they couldn’t come out and say Bruno and Delicato did it. Why? Because they knew he didn’t. They didn’t want to get a perjury rap. Richard Martin didn’t want to blow his case by telling nonsense that Bruno and Delicato did it. If it was common knowledge that Bruno Indelicato did it, and if there was a legitimate shred of evidence that Bruno Delicato did the work, the Pizza Connection case would have also said Bruno Indelicato is one of the shooters. It did not. That’s what doesn’t pass the smell test. But they even went to an appellate court to throw out any testimony about Galante’s murder in the Pizza Connection case. And sure enough, the judge agreed and said, yeah, we’re not putting one stitch of Galante’s murder in the Pizza Connection case. Now, had those FBI agents in the Bonanno Squad had presented legitimate evidence against Bruno and Delicato in the Pizza Connection case, be it ballistic, be it anything, the judge wouldn’t have done that, but he did. Read the transcripts of the case we have. There was nothing like that presented against Bruno in that case. And again, that’s why the FBI in the Pizza Connection case kept saying, we have no idea who killed Carmine Galante. That is critical for people to understand. [12:10] And last note, I want to get on to people wondering about the Joe Messino angle. Yes, Joe Messino, when he flipped right out after his conviction, he gave up murders all the way back from 1969. Now, Joe Mezzino had a motivation. If he left out any crime or any detail and failed to disclose anything, they throw him out of the program. They did the same to gas pipe case, so they threw him out of the program. So Joe Messino, of course, is going to tell the feds every single thing he knew about the Bonanno family’s involvement with the Galante hit. [12:46] Joe Messino, you know, did come out and say, yes, he got the order and he informed Rusty about the hit. But notice that’s when the trail stops. Joe Messina, who was a hands on guy, never came back and said, hey, Sonny Red did the hit with his kid Bruno and his brother JB. He gave them no details why because he didn’t have details thank you so much again for all of your questions and comments so guys that’s matt’s reasoning and that’s his story the government did not charge or convict any of the others for this murder any other people for this murder in that commission trial now those guys who were convicted were convicted for racketeering under rico and the murder of Galante was not a racketeering. That was a criminal predicate offense that proved that there was an organization known as a commission. It existed, and they ordered criminal acts. And this was a criminal act that they ordered. They need a predicate act where they’ve ordered criminal acts. And the Galante hit was one of them, and murder’s the best one to throw out there. And I think they convicted him based on his palm print on the getaway car that they found. [13:55] They never claimed during the trial to know the other two hit men. So I’ll leave it up to you guys to argue this out in the comments section on my YouTube shows with Matt or on this one here. And he’ll be monitoring those and, you know, come back with any questions that you have. So thanks, Matt, for this interesting look at Young Associates of Gotti and the fireworks business and the horse race fixing business and your theory based on information from your friends in the younger element of the New York mob. And you were kind of on the periphery of that yourself and the people that you [14:29] talked to that were really basically were involved in this hit and the setup. I thought it was really slick using cops to block out parking spots and then to pull out if it was all good to go. And leave the area so that’s uh didn’t have ring cameras and all the cameras back then so we’re gonna never know how much all that’s true you know but it’s uh history is is kind of an agreed upon set of facts or lies or whatever because eventually we agree upon it and that’s becomes the history and this is some of the history of the new york mob in the 70s to the 80s and the murder of Lilo or Carmine the Cigar Galante. Thanks, guys, so much for tuning in. And don’t forget to hit on YouTube, like and subscribe. Post this on your own social media pages and let other people know about the show. We like to get a lot of people watching or listening and watching to the show.  

We kick off with the Knicks' historic destruction of the Hawks, a blowout so lopsided it featured a 72-22 lead and sent New York to wait for a Celtics-Sixers Game 7. Jerry's update covers Mike Brown's postgame reaction, the Sixers forcing their series limit, and the Mets' 5-4 loss to the Nationals featuring a philosophical Luke Weaver. We wrap with the breaking update on a JP Morgan scandal, now being labeled a "complete fabrication" by the New York Post.

Mark talks about how Democrats have tried to redraw voting districts in some states, which he says would make it harder for white voters to have a say. The Supreme Court of the United States also made headlines this week with a decision that scales back parts of the Voting Rights Act of 1965.  Governor Kathy Hochul is pushing a new law to ban ICE from operating anywhere in New York. With the governor's race heating up, she's also expected to go after some of Bruce Blakeman's campaign points. Manhattan's busiest Trader Joe's, at 72nd and Broadway, is closing for renovations on May 17th. Mark takes your calls! Mark interviews political consultant Roger Stone. Roger shares his side of the story after his legal battles connected to the Mueller investigation, discussing his experience after former FBI director James Comey accused him of lying under oath to Congress. Both Stone and Comey were charged with similar crimes of lying under oath. Tulsi Gabbard played a key role in declassifying documents that pointed to a conspiracy involving Comey, Obama, Biden, and others, which she was able to accomplish thanks to her appointment by President Trump in 2016.

Should President Trump wear a bulletproof vest, considering all the threats against him lately? Yesterday, Democrats pressed Secretary of War Pete Hegseth about accusations of insider trading and secret deals, but there's no solid proof behind these claims. Hegseth stood by the administration's decision to go to war with Iran over concerns about nuclear weapons. Mark interviews Fox News legal analyst Greg Jarrett. Greg and Mark debate the bizarre story about James Comey and some seashells, and how it might tie into talk of an indictment. Greg thinks Comey has a habit of acting like there's trouble around Trump when there really isn't. He also suggests that rumors about Comey's indictment could be linked to his book sales. Greg points out that the First Amendment doesn't protect threats against the President, which could make things interesting for Comey in court. Mark talks about how Democrats have tried to redraw voting districts in some states, which he says would make it harder for white voters to have a say. The Supreme Court of the United States also made headlines this week with a decision that scales back parts of the Voting Rights Act of 1965.  Governor Kathy Hochul is pushing a new law to ban ICE from operating anywhere in New York. With the governor's race heating up, she's also expected to go after some of Bruce Blakeman's campaign points. Manhattan's busiest Trader Joe's, at 72nd and Broadway, is closing for renovations on May 17th. Mark interviews political consultant Roger Stone. Roger shares his side of the story after his legal battles connected to the Mueller investigation, discussing his experience after former FBI director James Comey accused him of lying under oath to Congress. Both Stone and Comey were charged with similar crimes of lying under oath. Tulsi Gabbard played a key role in declassifying documents that pointed to a conspiracy involving Comey, Obama, Biden, and others, which she was able to accomplish thanks to her appointment by President Trump in 2016.

Mark talks about how Democrats have tried to redraw voting districts in some states, which he says would make it harder for white voters to have a say. The Supreme Court of the United States also made headlines this week with a decision that scales back parts of the Voting Rights Act of 1965. Governor Kathy Hochul is pushing a new law to ban ICE from operating anywhere in New York. With the governor's race heating up, she's also expected to go after some of Bruce Blakeman's campaign points. Manhattan's busiest Trader Joe's, at 72nd and Broadway, is closing for renovations on May 17th.

Josh and TASS are joined by guest Alex Day for a packed episode of The Alex Day Show, diving into both the NFL and MLB with a mix of analysis and debate. The show opens with a full breakdown of all eight NFL divisions following the draft, as Josh ranks each division from worst to best and evaluates how the offseason reshaped the league. The conversation then shifts to baseball, where the crew debates which Yankee is most critical to the team's success in a Sports Scantron segment, followed by a True or False discussion centered on Mike Trout. Things heat up with a massive three-team trade scenario involving the Yankees, Angels, and Reds, as they argue over who would hang up first in a potential Trout deal. The episode also features a New York-focused edition of Way or No Way, tackling big questions about the futures of the Yankees, Mets, Jets, Giants, and Knicks, including whether a Giannis move could be in play. Later, TASS leads a “Who Would You Rather Have Going Forward” segment centered on Ben Rice, comparing him to some of the top young talent across baseball. The show wraps with a creative Sports Lunchbox hypothetical involving an Aaron Judge trade to Detroit and a Real or Fake game testing knowledge of Kentucky Derby horse names. Hosted by Simplecast, an AdsWizz company. See https://pcm.adswizz.com for information about our collection and use of personal data for advertising.

Photographer, director, and producer Mitch Epstein joins PhotoWork with Sasha Wolf to discuss his storied career in photography, environmental activism, and artistic influences. From early inspiration by Garry Winogrand to guidance from John Szarkowski, Epstein reflects on how he evolved into a research-driven, project-based photographer focused on environmental issues. He also discusses his work in film as a production designer and co-producer on Mississippi Masala (1991) and Salaam Bombay! (1988), and shares insights on privilege, longevity, and sustaining a life in photography. https://www.mitchepstein.net Mitch Epstein has photographed the landscape and culture of America for half a century. A graduate of Cooper Union, he became a pioneer of 1970s fine-art color photography.  Epstein has been inducted into the National Academy of Design (2020) and was awarded the Prix Pictet (2011), Berlin Prize (2008), and a Guggenheim Fellowship (2002). His work has been shown and collected by museums worldwide, including New York's Museum of Modern Art, Metropolitan Museum of Art, and Whitney Museum of American Art, the National Gallery in Washington DC, The Art Institute of Chicago, Tate Modern in London, Museum of Modern Art in Paris, Los Angeles's Getty Museum and LACMA, the Amon Carter Museum in Fort Worth, TX, and the San Francisco Museum of Modern Art. Recent exhibitions include “American Nature” (photographs and multi-media installations) at the Gallerie d'Italia museum in Torino, Italy (2024-25); “In India,” (photographs and films) at Les Rencontres d'Arles in the Abbey of Montmajour, Arles, France (2022); and “Property Rights” at The Amon Carter Museum of American Art in Fort Worth, Texas (2020-21). Epstein's seventeen books, mostly published by Steidl Verlag, include Recreation (2022, 2005), Property Rights (2021), New York Arbor (2013), American Power (2009), and Family Business (2004), winner of the Kraszna-Krausz Photography Book Award. Epstein's mixed media work includes films, moving image with sound installations, and performance. In 2013, The Walker Art Center commissioned and premiered a theatrical rendition of his American Power series. Directed by Annie B. Parsons and Paul Lazar, the performance combined original live music by Erik Friedlander and live storytelling by Epstein; and included video, projected photographs, and archival material. In documentary film, Epstein was director of Dad and Retail (2003) and director of photography for India Cabaret (1988). He was production designer and co-producer for the feature films Mississippi Masala (1991) and Salaam Bombay! (1988). Epstein's most recent exhibition, American Nature, assembles three self-contained yet integrated photographic series (Old Growth, Property Rights, American Power); a multi-channel video-sound installation with tonal music by Mike Tamburo and Samer Ghadry filmed performing in the forest (Forest Waves), and a looped projection with music by David Lang, performed by Maya Beiser (Darius Kinsey: Clear Cut). Together these five pieces investigate notions of wilderness and human society; and their both collaborative and troubled co-existence. Epstein lives in New York City and Massachusetts.

There were 2 huge wins in the NBA last night by the Knicks & 76ers. Is New York on the fast track to the NBA Finals? Also, Golf Channel's Brandel Chamblee joins the show to discuss the LIV Tour falling apart, and what that means for the future of golf. Plus, what counts as popping in to the show? Learn more about your ad choices. Visit podcastchoices.com/adchoices

Andrew returns with his latest blueprint for a gothic mystery, and the coaching quickly zeroes in on what will make it work: a clear, compelling villain and twists that truly land. With help from thriller coach and Thrillerfest executive director Samantha Skal, the discussion unpacks the hidden layer of the story—what the villain is actually doing—and how that contrasts with the protagonist's assumptions.As they dig in, it becomes clear that strengthening the mystery means making the murders more personal, introducing a convincing false suspect, and mapping both the visible story and the truth underneath it. By the end, Andrew has a sharper path forward: deepen the villain's motive, raise the stakes earlier, and build each twist so it feels both surprising and inevitable.#AmWriting is a reader-supported publication. To receive new posts and support my work, consider becoming a free or paid subscriber.About Book Coach Sam SkalA fan of the scary, mysterious, and suspenseful, Samantha Skal is the Executive Director of ThrillerFest, the co-founder of Shadows & Secrets writing retreats, and an Author Accelerator-certified book coach who specializes in coaching mystery, thriller, horror, and suspense authors. Sam writes stories that keep her up at night, is a breast cancer survivor, and lives in the beautiful Pacific Northwest. Learn more at www.samanthaskal.com and www.shadowsandsecrets.com. Catch Up on Andrew's Hot Seat Coaching JourneyTranscriptHi, I'm Jennie Nash, and you're listening to the #amwriting podcast, the place where we help writers of all kinds play big in your writing life, love the process, and stick with it long enough to finish what matters most.This is a hot seat coaching episode where we work through a real challenge in real time.And today we're back talking with Andrew Perella, the hashtag am writing podcast producer who has stepped out from behind the mic to work on a novel. And where we left Andrew last time was you'd worked through the whole blueprint and you were tasked with completing. Inside outline. So before we get into our guest and, um, what we're gonna do today, how was that, what was it like for you?Um, I mean, it was, it was, uh, really hard. Uh, but it was, it was, uh, it was really gratifying and it was, it was a lot of fun to do as well. Um. Because I think, um, part of, part of the assignment, you, you, you left for me, [00:01:00] Jenny, was to also beef out certain elements of certain, certain, the presence of certain characters, um, and certain and certain elements of the book.And so I was trying to do that as well as. As, as crafting the outline. Um, and so yeah, it was, it was a long, it was a struggle. It was a struggle, especially to get it to three, to keep it to three, to get it down to three pages. I know, and I'm very strict about that for reasons you are. Um, and. Did you feel a sense of accomplishment when you did it though?Like, oh, this is a book and I'm writing it, or how did that land? Yeah, I mean, like at first I just started writing. I started writing the scene bullets and the, and the points, and just started like, okay, what are all the, what are all the elements that that. I have in my head that I need to get down onto paper and it was like 6, 7, 8 pages.And I was like, okay, now I gotta get this down to three pages. Um, and, and, and I was like, okay, I can combine these two scenes or maybe I don't need this. So I just ended up cutting a lot and cutting a lot [00:02:00] and getting it down. So like, yes, there was a sense of like. Completion. Um, that was certainly gratifying, uh, to get that.And, uh, I had a couple of late nights, um, getting that, getting that squared away, but yeah, it also feels, feels more real now. Um, and it's like, yeah, there's, there's, there's a, there's a there here, which I'm pretty excited about. I'm excited about too, and I'm also excited because we're doing something really cool today.Um, and we have with us Samantha Skull, who I will introduce in a hot second. But hi Samantha. Hi. Thanks so much for having me. I'm so excited to be here. Well, I'm excited too because, um. Sam, as I call her, um, I've known for quite some time. She's one of the OG author, accelerator certified coaches. And Sam, you actually don't know this, but I use you.Probably every day.Oh my God, I'm so flattered as an example of [00:03:00] what a great book coach should do, which is to focus and choose who you're gonna serve and how you're gonna serve them, and to really go deep into what you love and what you wanna do all day. Right? The read books all day and get paid for it thing like do what you love and you.Do that. You've done that just so powerfully and it's so visible on your website, which we'll link to in the show notes so folks can go see, but. Sam loves all the dark and suspenseful and scary mystery, twisty things, which always just cracked me up because I don't, and that's what's so beautiful about book coaching and writing for that matters.Everybody has their own thing and, and that's part of the work of writing Big is. What is your thing? You know? So the reason that I wanted Sam to come is she's built a whole business on this type of work and with, um, another author, [00:04:00] accelerator coach, she runs a really cool, uh, writing retreat that is, um, it's always in Salem.Right. It is in a haunted hotel, which, um, Carrie Savage, who is my co-founder in shadows and secrets, uh, loves being haunted. I do not choose to be haunted, so I choose the non haunted floor. So they have that retreat and they, um, have just started taking it virtual and just all kinds of tools and resources and things for people writing this kind of work.And in addition to that, I. I just am always impressed by your trajectory of having gone from. A volunteer at the Thriller Fest. Well, for a participant at the Thriller Fest conference to being a volunteer, to running the Pitch Fest piece of the thing. And now you're, well then you were co-director, now you're running the whole thing.You're, you're, yes, I am. You're running the entire [00:05:00] Thriller Fest conference, which is how many writers every year. Oh, we have around a thousand and I have a team behind me. Just to be clear. This would not happen without a village, but uh, yes, we have around a thousand thriller authors who come to New York and we, uh, we talk about the dark stuff all week.It's absolutely the, the best time. And it's in two weeks. I can't, I mean, when this comes out, it may have already passed, but yeah, can't wait. No, this is coming out right before, so if anybody wants a quick getaway to New York, they should go. But also just the programming, watch the programming coming out of it and we're so excited.Yeah, it's really good. So, um, I just, I love the career you've built for yourself. It's always just really inspiring to me. And, um, also a recent breast cancer survivor, so we're, uh, always wanna shout out to that. Yes. Get your scans. That's my PSA. Always love it. Same. Love it. Love it. So I wanted Sam to come look at Andrew's inside [00:06:00] outline because I knew that the thing he has to work on is this, what I call in my not totally expertise in this area.I call the twisties of it. That there's a, you know, it's a mystery. It's a murder, it's a gothic, it's horror. It's all the things. And it, those twists have to land. And this is so much Sam's expertise that the whole time I was talking to Andrew about it and guiding him and coaching him, I just kept thinking, we need Sam in here.So, so we got Sam in here. And so, um, Andrew completed his inside outline and Sam very graciously, um, agreed to look through it and to look through his whole blueprint. So before we get into what you saw and what you found, Sam. I just love to hear, I mean, this is so self-serving. I just like nothing more than reading a blueprint.I think it's so fun. Um, just to like, [00:07:00] kind of peel back the, the cover and see what's in there. Did, did you have fun with that? Oh my gosh. So much fun. Andrew. This story is, is so cool. And I love the historical elements and the rethinking of, you know, vampires are running around London and everyone's just like, that's fine.You know, and then how does, how does this all go down? And we have this very agency filled, moxie filled main character who's just a delight and yeah, I loved it. I have, I have so many fun questions to ask you. So Andrew, how does that feel? I mean, it feels great and I, I was reading through, uh, through both of your notes, um, in the, in the, in the outline and like you're asking all of these questions.Um. Some of them that I have not thought of before and like, so I'm, so I'm really excited to kind of dig into these and talk through them. But I'm, I'm, it's really gratifying to hear that this, that this idea is, is, is, is an interesting one. Yeah. I loved it. I a hundred [00:08:00] percent read this book. I'd, I'd see it and be like, yes, I want, I want to be in that world.Cool. Well that's why you're here. Because I would be like, no, too scary. Too scary for me. So, um, I'm gonna let. Sam sort of take it away and, uh, we could talk for days, I'm sure about this, but one of the, the things I love about book coaches who are well trained is they'll hone in on the most important, the most important things.So. What do you think, Sam? What's the most important thing Andrew should be thinking about in his next iteration of this outline? Yeah, so my favorite thing to talk about outta the gate with Mr. Thriller and suspense and gothic horror, depending on how dark you wanna make this, um, is who is the person who's really behind all these murders and why are they committing them?Right? I like to think of MTS mystery full or suspense as the villain's journey as experienced by the [00:09:00] protagonist. Mm-hmm. Right. So we, we must know what's going on beneath the surface in order for those twists to land, because twists are just assumptions about what's going on that the protagonist makes.And when the truth, you know, what's really going on with the villain is revealed, it's twisty because it's unexpected. Mm-hmm. So if we don't, therefore if we don't know who's. Who's behind, who's doing all these villainous things. Um, we struggle to make those twists land and we struggle to get a blueprint that we can actually follow.So tell me your thoughts on who this mastermind murderer is and why they're doing what they're doing. Um, so. So Jack Seward is the, is the, is the Mastermind behind this. And I've been, I've been thinking a lot about it this week since I, since I finished the, since I finished the outline. And a lot of other things have occurred to me about who this gentleman is and how he's doing what he's doing.But I think the why is, um, he is committed to the status quo. He is committed [00:10:00] to, uh, uh, uh, uh, a, you know, uh. He is committed to the manosphere. He is committed to the patriarchy. He has committed to, um, the previous way of doing things. Um. In, in, in society, in politics, in medicine. And so like he's seeing this sea change, um, in all of those areas.Um, with the advent of this, of this, um, medical school for women, uh, with the, with this vote, um, vote, uh, that is happening. Um, and he disapproves and so his goal is to disrupt all of those, um. Disruptions di uh, by pitting them against each other. Got it. So if he can, if he can. Create this illusion that vampires are preying on Suffr jets.They will be too busy fighting each other to try and find any sort of, uh, agency for [00:11:00] themselves. Aha. Very, very well thought out. I love that. As a, as a mastermind villain goal. So here's the other thing, is that mm-hmm. In the genre expectation for any sort of modern mystery, full or suspense, is that we have three twists.We have one at the mid and we can have more. Right. But we have one at the midpoint, which is just the midpoint turn. Like it's, it's a classic story thing, which you already have. You have a great midpoint currently. Mm-hmm. Um, and the climactic twist is the reveal of, uh, as, as Carrie, my co-founder and shadows and secrets likes to say, um, the climactic.Confrontation answers the story question, which is presented in the inciting incident and typically in mysteries, the inciting incident is who's doing the killing? Right? Like, who's behind this dead body that we have early on? And we'll talk about that in just a second. Um, so the climactic answers that question, and then we have a final twist, which is typically the reveal of this gentleman who wants to keep things as is.And he [00:12:00] meanwhile. During the course of the story is going to be taking action to stop, uh, our plucky protagonist from stopping him, right? Mm-hmm. So he's a full antagonist to our protagonist. And in that way we need a fake villain, right? We need someone that he can have set up so that she thinks this is the person behind everything in the climactic scene.And then she gets to the end and is like, oh my gosh, I've. You know, I've conquered, I've brought chaos to order, I've solved this thing, and now, oh my God, now there's somebody else who's actually behind everything. And actually we're still in grave danger and we didn't even know to be worried about this.And that's how you get that like, you know, 85 to 98% just ripping through the pages readers, you know, being so hooked to figure out what happened. Right. Um, so. Tell me a little bit more about who Seward could have set up or manipulated or something [00:13:00] else to commit these murders so that he gets done what he wants to get done, but he also protects himself.And if you don't know the answer, that's okay. We can brainstorm. But if you do, then that's great. So this is, this is kind of part of the, the, the thought, the idea that I've had since I, since I finished the, the, the, uh, the outline is. Because the, the syringe idea mm-hmm. The double-headed syringe idea always felt a little tenuous.Uh, like I, I wasn't quite sure that that was gonna hold, but, so my new thought about this is, is. Because he is, uh, he is the, uh, director of a mental institution. Um, and so, and so, like, that's a whole other politic where he has people who are, uh, who are in his thra essentially. And so is there a way that he can coerce, um, a vampire who needs him to commit these murders on his behalf, thereby kind of insulating himself from the actions.Perfect. And [00:14:00] so I think that could, so the climactic twist would then be. It's a vampire I disco discovering that the, the, this is the vampires committing the murders. But then the, the, the final twist is, oh s**t, he's been doing this at the behest of, of Seward, who's her, you know, kind of Yes, yes. As it were in quotation.Okay. Yes. That sounds amazing. And it also, you know, when we step into this story, um, in your initial scene, we have. Vampires feeding on people and Abby's just like, uh, okay, that's, that's normal. Right? And so is that, did I read that right? Is that the world that we're in? Is that We have vampires existing and Van Helsing, you know, was the one who kept them in check.And we have all that like lore that we're dealing with that the reader brings in. So tell me more about the world I'm walking into here. So, yeah, I think I'm still developing this world. So we're 20 years. Around 20 years after the events of Dracula. Okay. The, the, the novel. And so, and I think, I think people are now aware that [00:15:00] vampires exist.And I think, you know, at this, at the same time, they're being used as like this bogey man or, or, or straw man of like, everything that is wrong with, with British society. Um, but they're also. Not the monsters, right? They're, they're just another, another, um, community that is trying to, uh, eke out, eke out some sort of existence.Um, I love that so much. It's just such a fun, sort of new twist on. Know a story that's so well known and has been in our collective conscience for a hundred years. You know, I don't know when, when Dracula came out. Correct me if I'm wrong, but a long time, right? A little over a hundred years. Yeah. It's been a minute.It's been a minute. Um, and so I, so it's still very much a period of transition as, as you know, London and the world are still trying to figure out what that means, that these things actually exist and live among us. Um, and, uh, and so. There were [00:16:00] some things that didn't make it into the outline like I had.There was this one scene where they're walking down the street and there's someone on the soapbox at speaker's Corner at Hyde Park who's railing against, who's railing against, uh, um, vampires as like a sturge on society and things of that nature. And, and there'll be things in the newspaper. I think that kind of addressed this new, this new politic, um, that, that the characters interact with.And so I'm still feeling out what exactly it means. That vampires exist and are part of the public consciousness. Yeah. So one sort of logical question that comes up for me there is, you know, if we're in society and there's just like monsters living among us who occasionally pick people off on the street, that would create a level of, um, extreme tension.Okay. Right. One might say, right, like, yeah, if I'm wandering down the street and I see a vampire eating somebody that's not just like a, you know, we would be taking steps to protect ourselves because humans are always going to protect themselves, and so yes. You [00:17:00] know what, if you change it where the vampires are only allowed to feed on like livestock or something.Mm-hmm. Mm-hmm. You know, something that's like the, nobody's happy, right? Yeah. Like, like most, uh, um, situations where we, we agree on something and we're, we're all giving something up. Yeah. But that allows them to exist in society and live among us. Right? Like the, the veil has been lifted. Vampires are here.But they've agreed to only eat livestock, and then the fact that they're murdering people by eating them then becomes. A huge deal. Right? Because this Deante that we've had with them is now broken. Mm-hmm. Um, something like that, because I think if we, if we have it just being casual that they're, they're eating people in alleys or whatever, it reduces, I mean, that's a fun story, don't get me wrong.Yeah, yeah. But that reduces the impact of the murders that we are seeking to solve with this and Right. You know, you said this was, this was a mystery. And so currently [00:18:00] we don't have a ton of mystery on the page like we have. The midpoint is where, um, she discovers that things might not be what they seem, which I love.But in order for that to have impact, we need something earlier. And that could be, you know, these murders have been happening for a few days. That could be the last year. It could be she sees the first murder. Um. Something along those lines, but we need something early. So we, we understand the tension and we understand the mystery story question because you have a ton of other story questions in here, but if this is mystery first, the mystery story question needs to be who committed, who is committing these murders and why?Yep. Yeah. Does that kind of, that makes sense? Land? Yes. No, absolutely. Absolutely. Okay. Now as a, as as I was, I was rereading the outline, the other, the other, the, the other night. And I was like, I feel, I feel like there needs to be another murder scene. Yeah. Earlier we gotta up the body count in the, the book.Yeah. You know, it's a, it's a, it's a conversation I have every day. [00:19:00] Yeah. Not, not enough dead bodies. Not enough dead. Not enough dead bodies. Yeah. So, you know, and so if she is, if she's really worried about, you know, that's their question is why, why is she so involved in solving these murders? How do we make it personal to her?Mm-hmm. And so could this be a friend? Could this be. You know, um, a sister, could this be an aunt, like some something that's related to her so that this person is taken out. And then that becomes Seward has targeted her because she's the, she's, you know, van sing's niece, right? Yep. Yeah. So she's a public figure that if he takes out by having a vampire.Quote, you know, kill her. Then he will have achieved his goal of disrupting this whole thing and be like, look how dangerous it's for women to be out in the world and you know. Mm-hmm. We should put a stop to this. Like that achieves his goal, but she won't know. Right. Obviously that [00:20:00] that's his goal. Right.But he also needs to create the unrest, so it's not just, you know, she's the one who's murdered. That's going to be the climactic plan and he will have killed other people in the meantime. Right. Okay. Something like that. Like we need to make, yeah. Whatever it is that needs to be personal to her. And if she paint, if she paints a target on her back later on by being a ksky, amateur sleuth, which is classic.Um. That works well as well. But I like, you know, one of the questions I love to ask is, what was your villain doing on the day that their prote, the pro protagonist, decided to ruin their life by deciding to go after and stop them from villain. And so maybe she had nothing to do with any of this and she's researching and becomes a problem.That's the other way you could play it. Mm-hmm. Um. But, you know, if he has this grand plan and he's like, Ooh, Abby would make a great sort of like, figurehead to the end of all these murders, and that's the one that I'm gonna point at it and be like, [00:21:00] look, we can't, you know, I, we can't have these women out here.Right? Something like that could work well. Um, what do you think? What, what's, what's your brain do when I say all those things? Um, it's interesting. I hadn't considered, I hadn't considered that her uncle would be targeting her. One of the things I've been grappling with was like. One of the reasons he targets people around her is to scare her away from med school to scare her away from the cause, okay.Um, and kind of pin her in further to the existing, to the existing, um, um, status quo. Um, and so I hadn't considered him using her. Sacrificing her for his, uh, for his ultimate goals. Yeah. Um, and that's an in, that's an interesting idea. And, and if she were to discover that would certainly up to stakes, um, that would certainly up to stakes for her.It would. And so if you want him to be a little more [00:22:00] empathetic Right. We don't need to go like full dark if you don't want to. Right. Um, he could be trying to protect her. By killing other people, which is misguided. Yeah. But, uh, fun. Right? And then that would make sense. So when she figures out it's actually him, he could be like, I was doing all of this to protect you because I love you.You're in my family. Right? Yeah. That also works. But we need to have whatever his, his plan is for causing, you know, using these murders to achieve his goal. If she's, she needs to be the target of it so that it's very personal to her as she moves through this story. Um, and upping the stakes is always great.It amps the tension, right? Yeah. And again, she's not gonna know any of this until she gets to that final twist. And so one of like the most fine chilling, you know, tingly things that you can do with mysteries is that reveal at the very end. We as through the protagonist, understand how much danger we were in [00:23:00] this entire story, and we had no idea.Right? And that moment is the one that we're seeking with readers and for ourselves, right? It's like, how do we have that moment that reveal have the biggest impact possible? Yeah, yeah, yeah, yeah. Something like that. Yeah. I, I see Andrew just grinning, like, what are you, whatcha feeling? He's just like, got his giant grin on his face.I mean, like, and like I said, I've been trying to figure out how, because it, because as I was reading, as I was reading through the outline, it did feel like, like abriana was just kind of like adjacent to mm-hmm. All of the murders. Um, and, and Jenny, you and I had talked about whether there was an active investigation and, and, and Sam, I think you kind of alluded to that in, in the notes, is there, is there an active investigation and like, is she, is, is Abriana being.Is, uh, uh, coroner does a suspect by the, by the investigators. Um, is that, why, is that why she is doing her own investigation? Um, [00:24:00] which is another, which is another way to to, to up the stakes. Mm-hmm. Also, um, I, yeah, I'm, I'm, that's an interest, that's an interesting way though to, that's an interesting take on Seward, who's, um, an avuncular figure.He's not, like, he's not a blood relation. To Abriana, but like he is, he is determined in his goal and like, you know, he would, he probably would stop at nothing to get that done, even if it meant, even if it meant, uh, the daughter of a friend of his got killed. Yeah, I mean, just thinking through, and this is your homework, really, is to think through how dark do you want to make him, right?Because you can have a villain who starts off with. A, uh, a goal and decides to achieve it through very ill-advised means, but still wants to protect the people around them, right? Like they can be both. We don't have to have it be a hundred percent. [00:25:00] This person is so evil and willing to burn it all down, right?And so, but that can also be a series of bad decisions. It's like bad decision one leads to, oh my God, like people are finding out that these aren't really vampires. Now I have to really like double down to make it really seem like vampires, so I don't get caught. Because guess what, if I get caught, my life is ruined.Right? And you know, as Abby gets closer, he realizes. I have to kill her. Right? Yeah. She's, she's gonna ruin everything. Yeah. And that sort of angst and that, you know, that would be very painful for him. That could be the thing that when she confronts him at the end, and there will be a de Ma, right? We're gonna have something where he's like, I did all these things for this reason.And it doesn't have to be Yeah. Pages, but we do have a, that's a classic mystery thing. Mm-hmm. She'll understand if you like this, that you know, he was trying to protect her and then. He'll be like, you did this to yourself. You know, like, right. Yeah. You're the one who got in the way. Um, something like [00:26:00] that.And he's like, mm-hmm. My only choice now is to kill you. And then of course she will not allow that because she's our lucky protagonist and will survive because chaos will be brought to order. That's the other big thing is we wanna wrap this up unless you're going who, in which case. It gets worse at the very end.Um, is, is that, is that, is that allowed? Yeah, we, yeah. Well, to keep chaos on the chaos, absolutely. We just need it genre bending is. So hot right now, right? Um, and it's really fun, right? So you can have both, you can have the main mystery wrapped up, like she can, Abby can figure out, okay, this wasn't actually vampires and someone is posing as a vampire.And so that actually changes your midpoint, by the way. We'll talk about that in a second. But if that's the arc, right? She thinks it's vampires. She is, when she does the climactic confrontation, she's like, it's vampires like someone, you know, what are they doing? Why are they doing this? And then realizes [00:27:00] in that, that it wasn't vampires and it's actually someone else.Um, the chaos will be brought to order in that way, right? Like we have, we have a right, we have figured out that someone was posing as a vampire. But what if you have a final, final twist where you know, there actually are vampires. Killing people as well. Like seaward only admits to three of these murders and then there's someone else doing, you know, and it's just like we end it with like, oh no.You know? Right. Yeah. Or by, maybe there's something mystical with like by imitating a vampire or that, you know, the vampires have been gathering their energy for the last 20 years by feeding on goats and you know, they're ready to, we need a new van Helsing to, to keep them under control or something. And Abby takes up that mantle and, you know.You can, you can totally play it where there's an unanswered. Okay. Oh no, it's worse at the end, but we do need some sort of wrap up of the story. Gotcha. But there does seem to be some cover resolution. Yeah, yeah, yeah. Okay. I see what you're saying. That makes sense. Yeah, that makes sense. So it strikes [00:28:00] me, I'm not sure that you picked this up, Sam, and you might not have, but that there's a.Uh, um, Mina the Vampire. Mina, yeah, yeah, yeah. Is is her mother. Right. I did pick up on that, and that's a question I have. Okay. Yeah. Great. Because it seems like what you're all talking about that could play a really important role in any of these twists and arcs. Right. I. Yes. Yes. Plus one. Yeah. Everything you just said.Um, yeah. So Mina being her mother, fantastic. One of your final twists, right? And particularly if you have Seward being like the final confrontation, final twist person, and then, you know, you have this lovely final scene where she's like, oh my God, it's my mother. Um, yeah. But the logical question there is why would Mina Hyde, what's she after?Why would she not have tried to help Abby? Right? Because you're dealing with reader expectations that mothers will do anything to protect their children. Right? And so you can, we can twist that. Maybe she is trying to protect her from what's coming, right? [00:29:00] Like what's actually going on. Maybe she's the one who's been protecting her the whole time by warding off the vampires that have been attacking her, her friends at medical school.Um. And that's why there's so many mistaken identity things, right? Because you have two where, where Abby's like, whoops. I think that was supposed to be for me. Yeah. Um, and so the reader's gonna wonder why are they so bad at killing her, right? Like, if these were assassin attempts, like why wouldn't what, what's going on?And so that answers that question. If it's Mina stepping in, but you know, we need to understand what Mina's really after and why she didn't step forward sooner. That's a huge question that, you know, yeah. Everyone will have. Yeah, it is a huge question. Like, like where has she been for the last 18 years?Mm-hmm. Why has Aubrianna not seen her since, since, since her birth? Um, and I haven't quite nailed that down yet. Like, is there some sort of like vampire code? I don't like, I don't know. Is it, is it that she's, is that she, that Mina. Knows [00:30:00] Jonathan, her husband too well, and knows that, that he would not allow a vampire, uh, to interact with his children.Like. And so I think there, I think there are a couple of answers to that, but I haven't like, landed on one yet. Um, but I, like, I, I like the idea of Mina working kind of behind the scenes to protect, to actively protect, um. Abriana, which is what that, that opening that, that, that scene in the alley earlier on is about, is like she comes to her aid at that point.Um, and, uh, and, and and physically puts herself between, between Abri and Abriana and the violence, which Abriana misunderstands, uh, and runs away terrified. But I think, I, I think there are ways to incorporate that, as you say. Elsewhere in the, elsewhere in the story. Yeah. Well, I mean she, to make to a fantastic twist would be, she assumes Mina is the one after her, right?Right. Yeah. Like she recalls in this opening scene that Mina was coming at her and is like, Ooh, that's the vampire that wants to kill me. Yeah, yeah. And [00:31:00] you know, sees her around. And so that's her assumption. And this is how you create twists, right? Her assumption is that Nina is the person behind all of this, and why, but.You run the risk of when she starts investigating Mina and figuring out who she is? It would be, we'd figure out we need some very good reason that she couldn't figure out that was that Mina was her mother, right? Yeah. Yes. So in that case, I would suggest having some other vampire be the one that she thinks is behind everything.Um, which leads me to the midpoint. So currently this is where she discovers that these bite marks are not bite marks at all. They are. Other Marks syringes. Right, right. Like the, yeah. Yeah. Um, so if that's the midpoint, which I like, again, that means that she's going to assume that there is a human or a vampire who's lost her teeth.I don't know, um, behind all of this. And the climactic confrontation will be with that, [00:32:00] with that knowledge that this is not a vampire doing these villainous things. Um. So how does that feel? Like do if, do we, is there someone in the cast that we can sort of have her assume is that person that's not Seward.Not, not someone that I've identified yet. Um, okay. But I, I, I, I agree with you. We need, we need someone that she, that she's pursuing and, uh, in, at, in, in that sense. Um, and, and she believed, I, I, I see, I see. Now I see what you're saying. That the, the importance of her making that, that, that incorrect assumption that this is the person who's, who's doing, who's doing the, the killings.And I don't know who that is yet. I don't know if there's someone actively in the, in the cha in the cast that we have, or if I need, if I need a new character. Okay. I mean, you can also play with, you know, so this is the thing about mysteries, it gets very quickly complicated, is on the surface we have all the assumptions which are incorrect.[00:33:00] Right? Right. And so we have to build up that, those plots and make it plausible. Yeah. Because we need, you know, the example I like to give is like, let's say you, you come home and you're expecting that no one else is there and there's an open window and there is a earring back on the counter and a bloody footprint on your.You know, nice white carpet and you know, um, a knocked over plant and then you recall, oh yes, you know the nab I've been babysitting the neighbor's cat, they knocked over the plant. So that's solved. But this bloody footprint is really freaking me out because clearly somebody came in here and made a bloody footprint and that's terrifying.You're focusing on the bloody footprint because that's the most obvious thing, but the earring back is the thing that is the villain clue. Right, and that, that's the person that came in and misled you by putting the bloody footprint on the carpet for reasons, capital R, whatever it is in this story, right?But we have clocked on screen, on the page what the clue is and ignored it. And so yeah, [00:34:00] this is how you can go back in on a revision and you know, you maybe we don't know who this other person is that's actually doing this, but they will have a vested interest in not being caught. Right? Mm-hmm. And so these little clues that we put on the page later are ignored, and then we're following the story that we've already created.Mm-hmm. Um, but keeping track of all these layers feels complicated, which is why Jenny's outline with three pages is so, so useful. Um, right. Because what the, what's on the page is the, is the story that you already, that we're focusing on, right? Mm-hmm. And then what really happened? Mm-hmm. Is the thing beneath the surface that we don't learn until the truth is revealed in one of these twists.Does that make sense? Yeah, yeah. No, that absolutely makes sense. That Absolutely. That also feels like a lot to think about. It is. Yeah. Yeah. Yeah. And I don't have, I don't have enough red earrings. I don't have enough mis, I don't have enough misdirecting. Misdirecting clues, as it were. Right. Well, those are fun to brainstorm, right?Because we start thinking [00:35:00] about who really, it comes back to Seward. Like what would he be doing to misdirect Abby away from this? Right. To keep her safe, if you like that as a goal. Yeah. And also to make the, make society freak out about how vampires are killing again. Mm-hmm. Um, what would he plant, who would he manipulate?Who would he pay off? You know? Mm-hmm. Maybe there's a vampire who knows about all of this, and. Is trying to kill the person that Seward is hired to do the syringes because Seward's not going around and doing this. Abby would've seen him or you know mm-hmm. Recognized him or something. So he will have paid someone to, or it has someone in his organization who also believes in the cause.Yeah. And is doing this, and maybe that person's a vampire. I don't know. I do love the double syringe. I mean, I hope that stays. Yeah. Yeah. It's good. It's good. Is it? Yeah. I heard you say, I heard you kind of dismiss it, Andrew, but it, to me, that would be a perfect misdirection if [00:36:00] somebody finds that and now there's this whole thread of assumptions about what that means and Yeah, but that it's not really what it is or it's not being used the way we think, or so.Oh, okay. Yeah. Okay. Sam, you mentioned something because I was, I was getting close to like throwing that overboard. No, it's good. No. Okay. Okay. I think it is good. So, so, so, so, but that could still be, that could still be used as a, that could still, I could still use it as a red herring potentially, uh, because it could still be a vampire at Seward's behest committing the murders.But maybe they're doing it with the syringe or maybe they're, and or maybe they're doing it a little bit with their own or Right. Or not. Yeah. Yeah. I mean, to Jenny's point, this could be a total, maybe. Maybe it's not used for what we think. Maybe the double syringe is something completely unrelated and it's like the best way to draw out the.I don't know. I mean, depending on, maybe he is drugging the people in the [00:37:00] asylum, like giving them more drugs than they're supposed to have. Right, right. And, and he devised, I mean, you know, devised a double syringe to deliver it and doesn't want anybody to know that that's what he is doing, you know? Yeah, yeah.Okay. Yeah, yeah. But if you wanna play with the idea that there's also a vampire involved who believes in Seward's? Cause then that, you know. That's very interesting because it's like, well, why? What do they want? You know? Yeah, yeah. Or even just someone who is, is being coerced by him, who does, doesn't necessarily Yes.Believe in the cause, but is perhaps is, has perhaps been assigned to his asylum. Mm-hmm. And he's taking advantage of, I love. Which I think, I think really makes sewer to a, a pretty despicable individual on a number of levels, which I, which I can like, well, I mean, he's already killing people, so, right. You know, slippery slope.But that's what, you know, it's, that's the, [00:38:00] that's the thing is that his, his goals. We need to make logical sense when we get to the end and Right. You know, Abby figures out what's going on, but he, he can also be empathetic. Right? Yeah. Like, why is he so scared of women? Yeah. Being in society, what is, what is that deep fear about?And that's definitely something to explore as well. Yeah. Yeah. Absolutely. Yeah, so we could, like I said, talk for days, for days about these things, but, um, it feels like this is a good place to leave Andrew with a whole bunch of work to do. And I'm just laughing because, um, this is such a perfect example of.Why we do a blueprint, right? There's so much to work out. There's so much to think about. There's so many layers and levels to every story. And, uh, you know, we, we heard you today, Andrew, sort of going, well, I don't know. I haven't thought about it. I don't know. I, I'll have to see, you know, that's, that's the work and being in that.[00:39:00] Discomfort and that not knowing mm-hmm. And the, all the possibilities and making your choices. That's, that's a work, right Sam? Like that's, it is, it's so fun. But yeah, it's mysteries are puzzles, right? Yeah. And we wanna guide the reader through the puzzle in a way that gives them maximum impact and maximum joy.For every reveal that we decide to put out there, right? We, we, we don't want to casually have a reveal. Everything is on purpose. Um, and so I was gonna say on, on the inside outline that you have, um, a parallel one, or, you know, if you make it even tighter just to flow the flow of events, you can have a, what really happened?Um, line which tracks what the villain is actually doing. And I do find that that can be really helpful because it does get overwhelming with figuring out, okay, we have assumptions. Yeah. And those assumptions are, you know, lead to action and this is how we get a repulsive plot. But those assumptions are.Not going to be the [00:40:00] actual thing that is the truth. And so we need to track what the truth is and what our villain is doing to stop our protagonist from stopping them because Yeah, forces of opposition, you know, so just for our listeners to clarify that makes sense. What Sam's talking about is a parallel inside outline is, is to literally do.An a three page outline for the, the villain? Yes, yes. Or to put a bullet point or a, a subpoint on the protagonists inside. Outline that. Tracks that, um, sometimes people color code that. Mm-hmm. Yeah. You know, but the, that's why we keep this so tight because if you start making it nine pages or 15 pages and then you layer these things, all of a sudden you have a 30 page outline, and now you've just got one of those giant story grid things that I find to be impossible to, to manipulate.Like we still want this to be manipulatable, right. So that you [00:41:00] can. Hold it in your hands and see it and, and then get to a place where you say, I can write that story. I love this story. I can write this story. That's, so that's what we're going for. So, yeah. Um, Sam, could you maybe just summarize, um, Andrew will take some time to work on this next iteration to show me.Can you give him direction on key thing to think about and me direction on the key thing to look for? Yeah, of course. So the biggest thing is figure out what Seward's really, why he's really doing what he's doing and how it relates directly to Abby. Right. What is, what action can he take that is about her, and that's either protecting her or, you know.Um, killing someone close to her to scare her away, but then why, right? Mm-hmm. So figure out the, figure out what he's really doing, and then look and see what actions, what other actions would he take about who this other person [00:42:00] is that he's framing or manipulating, or blackmailing or whatever. And if that's a vampire, then.You know, why does that work when we, when it's revealed? Like, what else could be going on? That makes sense. Perhaps the vampires don't want women and suffragettes to have this power because it threatens the power that they have in society currently, or something like that, or mm-hmm. Whatever it is. But figure out what, what's really going on.That's your homework, that's your big homework. Mm-hmm. And then, you know, for the next iteration. More murder on the page, right? We need the attention to rise and we need to understand why Abby, as she takes her steps based on assumptions, what are those assumptions? Why is she so personally invested in this?Why doesn't she just give up, right? Because that's the big logical question that I always ask is for both the antagonist and your protagonist, why don't they just walk away? Why do they keep doing this when it gets hard, right? Because when someone's actively trying to [00:43:00] stop you as the protagonist is. For the antagonist, why would the antagonist not just be like, okay, this is too tough, right?Like, I'm, I'm out, uh, this is, my goal isn't going to be achieved. So why do they both keep going? And the answer is usually we're in too deep, right? We can't, the only way out is through, um, which is what the midpoint establishes. Usually. It's like, well, shoot, you know, I can't leave this story. I have to keep going.Right? So the three twists, right? We want the assumptions to be present on the inside outline. So we have a midpoint twist. We have an inciting incident that presents the mystery story question, murder usually. Mm-hmm. And then climactic twist, who is this fake villain? And then final villain, Seward. And then final, final twist.Mina is actually involved, right? And has been protecting her the whole time or whatever, right? Yeah. Okay. So on the page, assumptions is second part of that homework, but you have to figure out what really happened in order to have the assumptions, which are Yeah, not [00:44:00] right. Yeah. So drawing, drawing out those two timelines of the, what, what actually happened, timeline, and then the assumptions, timeline and how they, well, the assumptions are gonna be on the page, right?Those will be on your protagonist inside outline, right? Because it, it informs her actions. And so everything you have about her fighting to go to med school and like all these things, all that works. All we're doing is just tweaking it a little bit so that the mystery is more. Front and center, and she's taking action based on, okay, I have this clue, what do I do?Now I have this clue. What do I do now? What stands in the way of each time I do this? Oops, I'm wrong about that. So what now? You know? Okay. And in the meantime it's clear that her personal stakes are rising and she is becoming a target. There's more attempts on her life and, and you know, then what? Right.Once you have a target on your back, you can't run. Yeah. Yeah. So. Yeah. Make it scarier. That's your homework. Yeah, I do. I do. I have to put her in [00:45:00] peril. I have to put her in peril. Right? You do. Yeah. Yeah. And the final thing I'll mention about this is when you actually get to writing the way that you, even if it's, even if the actions are a little less intense, right?We don't actually have an assassin coming at her every page because we'd get bored with that. So through interiority, through inner thought, she's going to think about what she's scared of throughout the entire book. Mm-hmm. It's not just gonna be, oh, I assume this thing. It's like I assume this thing. And also I'm terrified because you know what, if this is about that, and that's how you create those red herrings too, is because she's going to make assumptions about what's happening, and those assumptions will be based in fear.Right. Love it. Right. That makes sense. Love it. That makes sense. Thank you. My God. You're so welcome. Love this story. Can't wait to read it. Are you still with us, Andrew? You're not. You're not walking away. Right. You're not like, I'm in too deep now. No. Yeah. Okay. Okay. Just past the midpoint. Yeah, I was gonna say good.Good. No, that's why, that's why I'm, that's why I'm grinning so [00:46:00] much. It's like, it's like, ‘cause we're talking about this as if it's an actual, real thing. It's not just, it's not just an idea that I've, I've, I've had and been, I've been telling my wife about this is an actual, this is an actual thing I'm talking with people about.Um, and so this is, this is real. This is. It is real. It's exciting. Um, we will, uh, see how this unfolds for Andrew and Sam, I just wanna thank you so much for joining us and talking about all this. Um, and I'm gonna tell our listeners that if you want this kind of twisty help, um, that's Samantha's website, which is samantha skull.com and that's SKAL.She has a really cool, um, very inexpensive twist. Course, which you can, um, take. It's just awesome. And it's, um, she got some blueprint stuff on there, all kinds of things. And you can learn also about the retreat that she runs with carrieSavage@shadowsandsecrets.com. And you can go to Thriller [00:47:00] Fest and see all of the big work she's doing for this community of writers out in the world.So Sam, thank you for coming on. Oh, thank you so much for having me. And I just wanna say, Jenny, the reason that I focused, I mean, yes, I love this stuff and I have, I've loved it my whole life, but I listened to you. This was your. To focus in on what I love and I did. And it's just the best I get to wake up every day and talk about murder, which sounds like a terrible hobby, but I love it.So here we are. I know. That's why I talk about you all the time. Maybe that's it. ‘cause you listen toI, I, uh, I push people a lot harder now, let's put it that way. Um. Amazing. That's, that is my craft. But thank you Andrew, again, for being so willing to be doing this in public. It's not easy for those listening just to be on the hot seat like this for so long, so often really hard. So, um, you, [00:48:00] huge, huge shout out to Andrew and shout.Um, just for our listeners, thanks for tuning in and let's get back to work. This is a public episode. 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On today's program, Newsboys co-founder Wes Campbell and the band's musicians are suing multiple defendants for defamation related to stories about former lead singer Michael Tait. Defendants include World Vision, MercyMe, and reporter Julie Roys. We'll have details. Plus, police uncovered a multi-year fraud scheme that siphoned more than $3.8 million from a church in New York. We look at lessons churches can take away from this case. And, a new report shows that church attendance is up for the first time in decades. The growth is not enough to erase earlier declines—but it is noteworthy. We'll take a look. But first, another vendor is suing Benny Hinn Ministries for unpaid bills. For years, Benny Hinn Ministries has struggled to pay its debts. Now, another one of its creditors has taken legal action. The producer for today's program is Jeff McIntosh. We get database and other technical support from Stephen DuBarry, Rod Pitzer, and Casey Sudduth. Writers who contributed to today's program include Tony Mator, Kim Roberts, Jessica Eturralde, Stacey Horton, Erik Tryggestad, Bob Smietana, and Makella Knowles. A special thanks to The Christian Chronicle for contributing material for this week's podcast.

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In this new episode, Crawlspace Media's Tim Pilleri and Lance Reenstierna discuss the mysterious disappearance of the missingest man in America - Judge Joseph Force Crater from Manhattan, New York on August 6th, 1930. This episode was researched by Kathleen Studer. Sources: https://en.wikipedia.org/wiki/Joseph_Force_Crater. https://charleyproject.org/case/joseph-force-crater. www.ancestry.com. www.newspapers.com. https://www.politico.com/story/2016/08/judge-john-force-crater-disappears-aug-6-1930-226690. https://order-of-the-jackalope.com/call-your-office/. https://www.nytimes.com/1960/08/07/archives/case-no-13595-its-thirty-years-later-theres-plenty-of-data-but.html. https://thepublici.blogspot.com/2017/11/calling-judge-crater-chapter-four.html. Finding Judge Crater: A Life and Phenomenal Disappearance in Jazz Age New York : https://www.amazon.com/Finding-Judge-Crater-Phenomenal-Disappearance/dp/081561134X. Check out Quince: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://quince.com/MISSING⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Check out Mint Mobile: ⁠⁠⁠⁠⁠⁠mintmobile.com/missing⁠⁠⁠⁠⁠⁠. Main podcast theme by Kevin Macleod. Check out his work at⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠https://incompetech.com/⁠⁠⁠⁠⁠. Additional music by David Williams. See his work at⁠⁠⁠ ⁠⁠http://williamsflutes.com⁠⁠⁠⁠⁠. Follow Missing: IG: ⁠⁠⁠https://www.instagram.com/MissingCSM/⁠⁠⁠. Youtube:⁠⁠⁠⁠ https://www.youtube.com/missingcsm⁠⁠⁠⁠. FB:⁠⁠⁠ https://www.facebook.com/MissingCSM⁠⁠⁠. X:⁠⁠⁠ https://twitter.com/MissingCSM⁠⁠⁠. Spotify:⁠⁠⁠ https://open.spotify.com/show/0yRXkJrZC85otfT7oXMcri⁠⁠⁠. Apple:⁠⁠⁠ https://podcasts.apple.com/us/podcast/missing/id1006974447⁠⁠⁠. Follow Crawlspace: IG:⁠⁠⁠ https://www.instagram.com/Crawlspacepodcast⁠⁠⁠. TT:⁠⁠⁠ https://www.tiktok.com/@crawlspacepodcast⁠⁠⁠. FB:⁠⁠⁠ https://www.facebook.com/Crawlspacepodcast⁠⁠⁠. X:⁠⁠⁠ https://twitter.com/crawlspacepod.⁠⁠⁠ Spotify:⁠⁠⁠ https://open.spotify.com/show/7iSnqnCf27NODdz0pJ1GvJ⁠⁠⁠. Youtube:⁠⁠⁠ https://www.youtube.com/crawlspace⁠⁠⁠. Apple:⁠⁠⁠ https://podcasts.apple.com/us/podcast/crawlspace-true-crime-mysteries/id1187326340⁠⁠⁠. Check out our entire network at⁠⁠⁠ http://crawlspace-media.com/⁠⁠⁠. Learn more about your ad choices. Visit megaphone.fm/adchoices