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In which we dive deep into the Wreck of the Edmund Fitzgerald. GET TO CLASS! GET TO CLASS IN SAN FRANCISCO! BUY SOME STUFF Featuring the legendary Bill Larkin on vocals and keys. Recorded LIVE at Paper Machete at the Green Mill Cocktail Lounge 11/8/25 in Chicago courtesy of WKQX (Q101.1 FM) and Jeppsonās Malƶrt: The Official Drink of the Apocalypse Come find me in all your favorite places including my Discord Featuring āPromisesā by the Barrerracudas, a snippy of āThe Wastelandā courtesy of Ross Bugden Twitter: Instagram For commissions/scores: bugdenross@gmail.com See omnystudio.com/listener for privacy information.
Visit our website:https://www.thewealthwarehousepodcast.com/This week on Wealth Warehouse, Dave and Paul break down the high-profile lawsuit NASCAR star Kyle Busch filed against Pacific Life after allegedly losing $8.5M in an indexed universal life (IUL) policy. They unpack why they're not surprised, how IULs actually work under the hood and why those glossy ātax-free retirementā illustrations can fall apart in the real world. If you've ever wondered whether IUL belongs in an Infinite Banking strategy, or as āpermanentā life insurance at all, this one's for you.Becoming Your Own Banker by Nelson Nash:https://infinitebanking.org/product/becoming-your-own-banker/ref/46/Episode Highlights:0:00 - Intro1:10 - Episode beginning4:18 - Kyle Busch's lawsuit12:25 - Nelson Nash's thoughts on Universal Life15:17 - Universal Life and why it doesn't work18:56 - Life insurance retirement plans (LIRPs)23:09 - Home ownership and the next generation25:09 - Bottom line on IULs33:31 - Episode wrap-upABOUT YOUR HOSTS:David Befort and Paul Fugere are the hosts of the Wealth Warehouse Podcast. David is the Founder/CEO of Max Performance Financial. He founded the company with the mission of educating people on the truths about money.David's mission is to show you how you can control your own money, earn guarantees, grow it tax-free, and maintain penalty-free access to it to leverage for opportunities that will provide passive income for the rest of your life.Paul, on the other hand, is an Active Duty U.S. Army officer who graduated from Norwich University in 2002 with a B.A. in History and again in 2012 with a M.A. in Diplomacy and International Terrorism. Paul met his wife Tammy at Norwich.As a family, they enjoy boating, traveling, sports, hunting, automobiles, and are self-proclaimed food people.Visit our website:https://www.thewealthwarehousepodcast.com/Catch up with David and Paul, visit the links below!Website:https://infinitebanking.org/agents/Fugere494https://infinitebanking.org/agents/Befort399LinkedIn:https://www.linkedin.com/in/david-a-befort-jr-09663972/https://www.linkedin.com/in/paul-fugere-762021b0/Email:davidandpaul@theibcguys.com
Feliks Banel's guests on this LIVE BROADCAST of CASCADE OF HISTORY include Danny Westneat of The Seattle Times on his column about Seattle's socialist mayor of a century ago - Edwin 'Doc' Brown - and Seattle's Mayor-Elect Katie Wilson; explorer and historian Matt McCauley describing his dives in Lake Washington on the wreck of the old Lacey V. Murrow Floating Bridge - which sank 35 years ago on November 25, 1990; and Lloyd Lytle of Save Des Moines Masonic Home, with an update on the legal effort to halt the demolition of the historic structure. Links to information about all of these stories are available at the CASCADE OF HISTORY Facebook page: www.facebook.com/groups/cascadeofhistory This LIVE broadcast of CASCADE OF HISTORY was originally presented at 8pm Pacific Time on Sunday, November 16, 2025 via SPACE 101.1 FM and gallantly streaming live via www.space101fm.org from historic Magnuson Park - formerly Sand Point Naval Air Station - on the shores of Lake Washington in Seattle. Subscribe to the CASCADE OF HISTORY podcast via most podcast platforms and never miss regular weekly episodes of Sunday night broadcasts as well as frequent bonus episodes.
Watch all of our Hamamoto videos here: https://www.youtube.com/playlist?list=PLPT_cCpNMvT60BzykDhdZyU2AmVg7rLy6 Hamamoto on YouTube: https://www.youtube.com/@professorhamamoto Prof. Darrell Hamamoto, who is an American writer, academic, and specialist in U.S. media and ethnic studies. Professors Facebook :Ā https://www.facebook.com/share/hZajgCgTANc3kWbd/?mibextid=LQQJ4d Follow Lauren The Insider online:
Send us a textDo you hear that coven? It's the gales of November. And we know from the beautiful poetry of Gordon Lightfoot's musical storytelling that the gales are indeed bad news, especially when they arrive early. If you haven't yet guessed it, this week we are covering the tragic tale of the Edmund Fitzgerald. On November 9th, 1975, the great lakes freighter left Wisconsin bound for a steel mill near Detroit, but she would never reach her destination. This week, on the 50th anniversary of the tragedy, we'll cover her ill-fated journey. We'll also share some good news and end the episode with a multitude of good things. Join us as we travel back in time and dig a little deeper into this very powerful story.Ā Happy Haunting!Ā Support the showGet in touch! Follow us on instagram at @easybakecovenpodcastVisit our website at www.easybakecovenpodcast.comGot a spooky story? Send us an email! theeasybakepod@gmail.comThanks for listening, and don't forget to keep it spooky!
Continuing Old Spook Lane Creepy Chats' theme of spooky stop motion animated films, Arun and Patricia discuss about the 2012 Disney animated film Frankenweenie co-written and directed by Tim Burton. Based on the 1984 short film of the same name, a young boy named Victor Frankenstein is devastated that his best friend, a dog named Sparky, was killed by a car. When learning about electrical impulses from science class, Victor decides to conduct an experiment bringing Sparky back from the dead. While succeeding, he has to keep it hidden from his family, neighbors, and classmates. But it won't be easy, especially one classmate who wishes to use the same tactic to raise his pet fish from the dead to win the school science fair.When the film premiered in theaters, it made $81 million dollars out of a $31 million dollar budget receiving decent reviews from critics and fans, but has since been forgotten due to other animated films like Wreck-it-Ralph and Paranorman being released in the same year. What did Arun and Patricia think of the film?
The show-ending āSmoking Gunā segment on the Friday Bob Rose Show 11-14-25
Theo tells the story of the Toronto troubadour's 1976 historical folk-rock ballad about the Great Lakes disaster of the same name. Hosted on Acast. See acast.com/privacy for more information.
Set sail with maritime historian Sal Mercogliano as we dive deep into the enduring mystery of the Edmund Fitzgerald, a legendary ship lost on the Great Lakes 50 years ago this week. From chilling tales of mariners' lives and the critical role of iron ore trade, to the evolving challenges facing commercial shipping, this episode explores what really happened that stormy night in 1975āand why the story resonates today. Join host Jeff Malec and Sal for a wide-ranging conversation about Great Lakes lore, the economics and environmental impact of shipping, and what the future holds for this vital but often-overlooked industry. Whether you're a shipping enthusiast or new to the story, you'll come away with fresh insights and a newfound appreciation for the ships and people that keep goods moving around the globe. SEND IT!Chapters:00:00-00:50= Intro00:51-4:04= From the High Seas to the Classroom: A Mariner's Journey and Life Aboard4:05-19:48= Lost Legends and Great Lakes Mysteries: The Edmund Fitzgerald and Life Aboard19:49-34:45= From Iron Ore to Global Trade: Modern Shipping, Infrastructure, and Industry Shifts34:46-39:32=Charting a Greener Course: The Future of Shipping and Environmental Innovation39:33-57:05= Shipping's Allure: Public Fascination, Industry Mystique, & Movie magicFrom the Episode:Sal Mercoglianos Youtube Channel - What's going on with Shipping?Highlighted Seafaring movies: Ā Action in the North AtlanticĀ Moby DickĀ Captain CourageousĀ Don't forget to subscribe toā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā The Derivativeā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā , follow us on Twitter atā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā @rcmAltsā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā and our host Jeff atā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā @AttainCap2ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā , orā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā LinkedInā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā , andā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā Facebookā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā , andā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā sign-up for our blog digestā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā .Disclaimer: This podcast is provided for informational purposes only and should not be relied upon as legal, business, or tax advice. All opinions expressed by podcast participants are solely their own opinions and do not necessarily reflect the opinions of RCM Alternatives, their affiliates, or companies featured. Due to industry regulations, participants on this podcast are instructed not to make specific trade recommendations, nor reference past or potential profits. And listeners are reminded that managed futures, commodity trading, and other alternative investments are complex and carry a risk of substantial losses. As such, they are not suitable for all investors. For more information, visitā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā www.rcmalternatives.com/disclaimerā ā ā ā
Gus takes a drive south to hop in the ultimate pontoon fishing machine with the Taps and Tackle crew - Matt and Jozef plus a special guest Anello from Central Waters Brewing Company. This crew lets it fly all LIVE while musky fishing in the pontoon and tackling some new topics - like beer! Finally we dive deeper than we ever have into the "tap" part of our name which Anello helps with that. Matt and Jozef also chat on the current state of Taps and Tackle brick and mortar, Wisconsin River musky fishing and much more! Tap in!Merch -> https://sugsfishing.com/https://centralwaters.com/In honor of the 29 lives lost on the SS Edmund Fitzgerald we had to cold open with none other than the Midwest song of November by Gordon Lightfoot himself - The Wreck of the Edmund Fitzgerald
Czabe is joined by ERIC GITTER and BRYAN WOLF to pick through the wreckage of the Packers loss to the Eagles. Yeah, yeah. 3 point loss to a good team. Whatever. The play-calling and strategic decisions of Matt LaFleur have never been in more disarray. That plus Brian Kelly getting the lawyerly f'-around at LSU, and an homage to the Wreck of the Edmund Fitzgerald. MORE . . .Our Sponsors:* Check out CBDfx and use my code CZABE for a great deal: https://cbdfx.com* Check out Hims: https://hims.com/CZABE* Check out Indeed: https://indeed.com/CZABE* Check out Infinite Epigenetics: https://infiniteepigenetics.com/CZABE* Check out Uncommon Goods: https://uncommongoods.com/czabeAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy
Catch āThe Drive with Spence Checkettsā from 2 pm to 6 pm weekdays on ESPN 700 & 92.1 FM. Produced by Porter Larsen. The latest on the Utah Jazz, Real Salt Lake, Utes, BYU + more sports storylines.
Quinn and Isaac pack all three of these tantalizing topics, and believe it or not, tie them all together at the end.
Open phones and a talk about the H1B and Trump/Laura Ingraham dust up. John U. Bacon, author of the excellent GALES OF NOVEMBER about the Wreck of the Edmund Fitzgerald. GREAT storytelling and book.
Hello and welcome to episode 121 of the Still Spinning Podcast. You can watch the live taping most Mondays at 7 PM on Facebook, YouTube or Instagram OR wait until the official podcast release on Wednesday morning. Visit your usual podcast subscription service to add us to your list. Visit our website for more details on becoming a sponsor and buying merch. All of this at stillspinningpodcast.com. Tonight is a very special episode of the podcast, our very first with a guest! The day we recorded this episode, November 10th, was the 50th anniversary of the Wreck of the Edmund Fitzgerald. This episode is dedicated to that tragedy, the story around it and the Gordon Lightfoot song that tells the sad tale. We are so sorry to tell you, you WILL learn something if you listen. Consider that your warning. We appreciate you checking us out! We will be back next week, we hope to see you then!
Fun with audio: the latest beer board meeting, EPB Jingle Jam contest entries, HamCo Mayor Weston Wamp, & audio memes of the Wreck of Edmund Fitzgerald. Finally, why am I going to Mexico City? et al.
Not every investment needs a headline-grabbing story. Some just need great economics.Ā In this episode,Ā Finimize Analyst Theodora Lee Joseph explains why Copart - a company that makes money from totaled cars - might be one of the market's most overlooked compounders. No hype, no buzzwords - just a scrap-heap stock with serious staying power.Try Finimize ProSponsored by SurfAir Mobility.
The Packers are a mess and it's starting to seem like the man captaining the mess can't figure out how to get his team back on track.GET IN TOUCHLeave us a voicemail and hear yourself in a future episodehttps://www.speakpipe.com/thepowersweepPrefer more old-school contact? Reach out here:https://thepowersweep.com/contactSUPPORT BLUE 58Donate to our Patreon - For as little as $1 per month, you can access Patreon-only content and get access to our private Discord server.https://www.patreon.com/thepowersweepBuy a T-Shirt or Sweatshirt - Look good while supporting The Power Sweep.https://www.teepublic.com/stores/the-power-sweep?ref_id=25927Leave us a 5-Star Review on iTunes - It helps more people find the show!Support this show http://supporter.acast.com/blue-58. Hosted on Acast. See acast.com/privacy for more information.
Is now the time to fire Kevin Stefanski? + Ken teaches Lima about the SS Fitzgerald
We discuss on this week's episode the sinking of the Edmund Fitzgerald and the loss of her 29-member crew during a violent fall storm on November 10th, 1975. Tonight's Guest WeatherBrain is an author of over thirty books on maritime history. Ā He's been a consultant to the US Park Service and an on-air expert for National Geographic and Fox and Friends among over ventures. Ā Dr. Frederick Stonehouse, welcome to WeatherBrains! Tonight's Guest Panelist is Tom Hultquist. Ā He is the technical program lead for the Analysis and Forecast Branch of the National Weather Service, working out of Minneapolis for the national office in Washington. His office sets requirements for, and does evaluations of, all the different modeling and analysis systems used by the NWS. Ā Thanks for joining us tonight, Tom! Our email officer Jen is continuing to handle the incoming messages from our listeners. Reach us here: email@weatherbrains.com. Area of United States with the most shipwrecks (15:00) Shipwreck Coast (17:00) Great Lake with the most shipwrecks (16:45) RAMS Model (33:00) What type of weather modeling did they have in 1975? Ā (47:00) What makes a good weather forecast? Ā (52:00) Significance/impact of the Great Lakes industry base (01:03:00) Gordon Lightfoot's "The Wreck of the Edmond Fitzgerald" (01:17:30) Shipwreck Museum at Whitefish Point (01:20:30) The Astronomy Outlook with Tony Rice (01:29:30) This Week in Tornado History With Jen (01:31:45)Ā E-Mail Segment (No segment this week - stay tuned!) and more! Web Sites from Episode 1034: Alabama Weather Network Picks of the Week: Tom Hultquist - "Dive Detectives": Rogue Wave/Edmund Fitzgerald Episode James Aydelott - Out Jen Narramore - Tornado in La Plata, MD on November 9th, 1926 Rick Smith - The OTUS Project Troy Kimmel - 50 Years Later, the Story of the Edmund Fitzgerald Lives On Kim Klockow-McClain - Foghorn John Gordon - The Storm That Sank the Edmund Fitzgerald John Gordon - "The Gales of November: The Untold Story of the Edmund Fitzgerald" by John U. Bacon Bill Murray - Out James Spann - The Story of the Edmund Fitzgerald The WeatherBrains crew includes your host, James Spann, plus other notable geeks like Troy Kimmel, Bill Murray, Rick Smith, James Aydelott, Jen Narramore, John Gordon, and Dr. Kim Klockow-McClain. They bring together a wealth of weather knowledge and experience for another fascinating podcast about weather.
Do You Have A Hormone Imbalance? Take my FREE Hormone Symptom Profile Assessment: https://bit.ly/takemyhormonequiz Eighty to ninety percent of the women I talk to tell me they're āeating clean.ā The problem?Ā They're following the same āhealthyā diet that worked for their 30-year-old metabolismā¦and hormones. According to a 2022 study in the Journal of Midlife Health, nearly seven in ten women in perimenopause who report āeating cleanā still show elevated inflammation markersāone of the biggest drivers of sluggish metabolism and stubborn weight gain. In today's episode, I'm peeling back the curtain on five so-called āhealthyā foods that might be secretly slowing down your metabolismā¦and why the very foods you thought were helping you lose weight might actually be keeping the scale stuck. In this episode, Iāll address your most commonly asked questions, including ā What foods slow down metabolism in perimenopause? ā Is soy good for your hormones in midlife? ā Which is better for your blood sugar: pure cane sugar or agave? ā How does inflammation contribute to weight gain in perimenopause? ā Can eating more whole grains help me lose weight after 40? ā What are some sneaky sources of sugar hiding in a ācleanā diet? ā Why can't I lose weight even though I'm eating healthy? If you've ever wondered why your āhealthyā diet seems to be working against you, this episode will show you what's really keeping your metabolism stuck. ā āWHAT I WISH I KNEW AT 40ā SERIES 100 | Perimenopause Weight Gain? The #1 Hormone Imbalance That Makes Losing Weight Feel Impossible [What I Wish I Knew Series]: https://pod.fo/e/34aa7c 99 | What Your Perimenopause Blood Tests Meanā& How to Actually Interpret Them [What I Wish I Knew Series]: https://pod.fo/e/345ce3 98 | When āNormalā Labs Lie: What Doctors Miss About Hormones in Perimenopause & Menopause [What I Wish I Knew Series]: https://pod.fo/e/3419f8 97 | When Anxiety, Anger, or Depression Is a Hormone Imbalance in Disguise [What I Wish I Knew Series]: https://pod.fo/e/33d3f1 96 | 5 Perimenopause Symptoms I Ignored at 40ā¦And Why You Shouldn't [What I Wish I Knew Series]: https://bit.ly/takemyhormonequiz --- FREE RESOURCES: Do You Have A Hormone Imbalance? Take my Hormone Symptom Profile Assessment: https://bit.ly/takemyhormonequiz Become a Podcast Insider + Subscribe to The Hot FlashāHormone hacks, recipes, and lifestyle tips I don't share anywhere else!: https://areyoutheremidlife.com/ Tired of Tossing and Turning? Grab my FREE āBetter Sleep After 40ā Supplement Cheat Sheet: https://monicalanetopete.kit.com/sleepbetter ā *Disclaimer: Information provided in this podcast is for educational and entertainment purposes only. The information is not intended or implied to supplement or replace professional medical treatment, advice, and/or diagnosis. I share the strategies that have worked for me, and you are advised to do your own research and speak to your medical provider for care.
Hello Travelers! Enjoy this short bonus episode for a walkabout the Canada pavilion as hosts Josh, Pete, and Jay honor the 50th anniversary of the last voyage of the Edmund Fitzgerald, the Great Lakes freighter that sank on this day, November 10, in 1975. The event was immortalized in song by Canadian songwriter Gordon Lightfoot, of which an instrumental version can be heard in the music loop at the Canada Pavilion in Epcot. You'll hear the full song after an introduction by the hosts and a short walkabout through the pavilion. Walkabout the World is now on TikTok! Come follow our visual companion to the audio podcast atĀ Walkabout.the.world.pod on TikTok Ā Visit us atĀ walkabouttheworld.comĀ - find links to all the things - attraction episodes, Insta accounts of all the hosts, and even how to buy your own Walkabout shirt! Ā Look us up atĀ @WalkaboutWDWĀ on Instagram and drop us a note to say hi. Ā You can also drop us at line atĀ contact@walkabouttheworld.com. Say hi, tell us how you found us, and give us some suggestions on things you'd love to hear. Please consider giving us a rating and review wherever you listen - it really helps!
This episode we address, and trash talk the latest trouble with the crossbow world. We also do a debrief on Pat's elk trip. We discuss the 50th anniversary of the Wreck of the Edmund Fitzgerald and our theories on what happened. We do a but of deer hunting talk as well. Any comments or questions email us at themidwestfrontier@gmail.com and thanks for listening!!!
On Legal Docket, the constitutional authority of President Trump's tariffs; on Moneybeat, New York's experiment with socialism and the dĆ©tente with China; and on History Book, the sinking of the Edmund Fitzgerald. Plus, the Monday morning newsSupport The World and Everything in It today at wng.org/donateAdditional support comes from Asbury University's honors program. Where rigorous academics meet deep thinking and spiritual growth. asbury.edu/honorsFrom His Words Abiding in You, a Podcast where listeners memorize Bible verses in each episode. His Words Abiding in You, on all podcast apps.And from Cedarville Universityāa Christ-centered, academically rigorous university located in southwest Ohio, equipping students for Gospel impact across every career and calling. Cedarville integrates a biblical worldview into every course in the more than 175 undergraduate and graduate programs students choose from. New online undergraduate degrees through Cedarville Online offer flexible and affordable education grounded in a strong Christian community that fosters both faith and learning. Learn more at cedarville.edu, and explore online programs at cedarville.edu/online.
Cody Has Conspiracies over the Edmund Fitzgerald
50 years ago today the legendary Edmund Fitzgerald met its tragic demise.
"Just play the song!" Chicagoās best morning radio show now has a podcast! Donāt forget to rate, review, and subscribe wherever you listen to podcasts and remember that the conversation always lives on the Q101 Facebook page. Brian & Kenzie are live every morning from 6a-10a on Q101. Subscribe to our channel HERE: https://www.youtube.com/@Q101 Like Q101 on Facebook HERE: https://www.facebook.com/q101chicago Follow Q101 on Twitter HERE: https://twitter.com/Q101Chicago Follow Q101 on Instagram HERE: https://www.instagram.com/q101chicago/?hl=en Follow Q101 on TikTok HERE: https://www.tiktok.com/@q101chicago?lang=enSee omnystudio.com/listener for privacy information.
When you get sick of your family around the holidays, pouring one out for the Farmers Almanac, Klash With Kenzie, Harper's birthday party, The Wreck of the Edmund Fitzgerald, and more! Chicagoās best morning radio show now has a podcast! Donāt forget to rate, review, and subscribe wherever you listen to podcasts and remember that the conversation always lives on the Q101 Facebook page. Brian & Kenzie are live every morning from 6a-10a on Q101. Subscribe to our channel HERE: https://www.youtube.com/@Q101 Like Q101 on Facebook HERE: https://www.facebook.com/q101chicago Follow Q101 on Twitter HERE: https://twitter.com/Q101Chicago Follow Q101 on Instagram HERE: https://www.instagram.com/q101chicago/?hl=en Follow Q101 on TikTok HERE: https://www.tiktok.com/@q101chicago?lang=enSee omnystudio.com/listener for privacy information.
In a storm that blew hurricane force winds on Nov. 10, 1975, the Edmund Fitzgerald ā a massive ore carrier longer than two football fields ā disappeared into the dark, frigid waters of Lake Superior. All 29 crew members were lost. Fifty years later, the sinking of the Fitzgerald remains one of the most haunting and mysterious maritime disasters in American history. MPR News guest host Dan Kraker talks with a Great Lakes historian about the ship's final, fateful voyage and why the tragedy holds meaning for many Minnesotans.Guest:Frederick Stonehouse is a Great Lakes historian, lecturer and the author of more than 30 books on maritime history, including āThe Wreck of the Edmund Fitzgerald.ā
The federal government shutdown is the longest in U.S. history. As lawmakers work to reach a deal, SNAP benefits for hundreds of thousands of Minnesotans hang in the balance. We'll hear how SNAP administrators in Minnesota are navigating a series of conflicting developments. Just a few years ago, graduating college with a computer science degree pretty much guaranteed new grads a job. But how is the rise of artificial intelligence changing that? Plus, Monday marks the 50th anniversary of the sinking of the Edmund Fitzgerald. But exactly how it sank remains a mystery. We'll hear some of the theories. And the Loons are advancing to the Western Conference semifinals! We'll break down this weekend's sports news with contributors Wally and Eric.Our Minnesota Music Minute was a cover of āThe Wreck of the Edmund Fitzgeraldā by jeremy messersmith and our Song of the Day was āStormā by Bella Casper.
Restraining Orders, Doxxing, Detroit, Boys Noize, and The Wreck of the Edmund Fitzgerald
To commemorate the 50th anniversary of the sinking, this is a replay of Episode 33, The Wreck of the Edmund Fitzgerald. The SS Edmund Fitzgerald was an American Great Lakes freighter that sank in Lake Superior during a terrible storm on November 10, 1975. The ship's crew of 29 men all perished and were never recovered. The Edmund Fitzgerald was the largest ship on North America's Great Lakes when it was launched on June 7, 1958. It remains the largest ship to have sunk in the Great Lakes. The Fitzgerald's tragic demise inspired Gordon Lightfoot's hit song āThe Wreck of the Edmund Fitzgeraldā (1976), which helped make it the most famous shipwreck in the Great Lakes. The Fitzgerald's wreckage is in two pieces at the bottom of Lake Superior. The Great Lakes Shipwreck Museum at Whitefish Point has a bell on display as a memorial to the lost crew. Written, edited, and produced by Rich Napolitano. All episodes can be found at ā ā ā ā ā ā https://www.shipwrecksandseadogs.comā ā ā ā ā ā . Original theme music by ā ā ā ā ā ā ā ā ā ā ā ā ā ā Sean Sigfriedā ā ā ā ā ā ā ā ā ā ā ā ā ā . Listen AD-FREE by becoming an Officer's Club Member ! Join at ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā https://www.patreon.com/shipwreckspodā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā Shipwrecks and Sea Dogs Merchandise is available! ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā https://shop.shipwrecksandseadogs.comā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā You can support the podcast with a donation of any amount at: ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā https://buymeacoffee.com/shipwreckspodā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā Join the Into History Network for ad-free access to this and many other fantastic history podcasts! ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā https://www.intohistory.com/shipwreckspodā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā Follow Shipwrecks and Sea Dogs ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā Subscribe on YouTubeā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā Follow on BlueSkyā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā Follow on Threadsā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā Follow on Instagramā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā ā Follow on Facebookā ā ā ā ā ā ā ā ā ā ā ā ā Learn more about your ad choices. Visit megaphone.fm/adchoices
Man cannot live on Wendy's alone. Why do we argue about the Rock and Roll Hall of Fame every damn year? Wreck of the Eddy Fitz.See omnystudio.com/listener for privacy information.
(Nov 10, 2025) Jimmy Vielkind and Andrew Waite from the New York Public News Network discuss Congresswoman Elise Stefanik's bid for New York governor; Assemblyman-elect Michael Cashman says he plans to make the North Country's voice heard as a member of the legislative majority in Albany; and today is the 50th anniversary of the S.S. Edmund Fitzgerald shipwreck in Lake Superior, and we have a conversation with the drummer on the song that sought to memorialize the tragedy.
Restraining Orders, Doxxing, Detroit, Boys Noize, and The Wreck of the Edmund Fitzgerald
In hour 2, Sue hosts, "Sue's News" where she discusses the latest trending entertainment news, this day in history, the random fact of the day and more. Mark is then joined by Former Missouri State Senator John Lamping. He discusses the possible shutdown compromise that is in the works. He's later joined by KSDK Sports Director Frank Cusumano. He discusses Mizzou football's disappointing loss against #3 Texas A&M, Emmanuel Clase's gambling case, Mizzou Basketball's start to the season and more.
This is a replay of an episode I did 10 years ago for the 40th anniversary of the sinking. Tonight I talk about the wreck of the S.S. Edmund Fitzgerald Timeline: NOVEMBER 9 8:30 AM The Edmund Fitzgerald is loaded with taconite pellets at Burlington Northern Railroad, Dock 1. Superior, Wisconsin The ship is scheduled to transport the cargo to Zug Island on the Detroit River. 2:20 PM The Fitzgerald departs Lake Superior en route of Detroit with 26,116 tons of taconite pellets. 2:39 PM The National Weather Service issues gale warnings for the area which the Fitzgerald is sailing in. Captain Cooper on the Anderson radios a freighter (the Edmund Fitzgerald) that he spots. 4:15 PM The Fitzgerald spots the Arthur M. Anderson some 15 miles behind it. NOVEMBER 10 1:00 AM Weather report from the Fitzgerald. The report from the Fitzgerald shows her to be 20 miles south of Isle Royale. Winds are at 52 knots, with waves ten feet in height. 7:00 AM Weather report from the Fitzgerald. Winds are at 35 knots, waves of ten feet. This is the last weather report that the Edmund Fitzgerald will ever make. 3:15 PM Captain Jesse Cooper, (J.C.) of the S.S. Arthur M. Anderson watches the Fitzgerald round Caribou Island and comments that the Fitzgerald is much closer to Six Fathom Shoal than he would want to be. 3:20 PM Anderson reports winds coming from the Northwest at 43 knots. 3:30 PM Radio transmission between the Fitzgerald and the Anderson Captain McSorley (C.M.) to Captain Cooper (C.C.): C.M.: āAnderson, this is the Fitzgerald. I have sustained some topside damage. I have a fence rail laid down, two vents lost or damaged, and a list. I'm checking down. Will you stay by me til I get to Whitefish?ā C.C.: āCharlie on that Fitzgerald. Do you have your pumps going?ā C.M.: āYes, both of them 4:10 PM The Fitzgerald radios the Arthur M. Anderson requesting radar assistance for the remainder of the voyage. Fitzgerald: āAnderson, this is the Fitzgerald. I have lost both radars. Can you provide me with radar plots till we reach Whitefish Bay?ā Anderson: āCharlie on that, Fitzgerald. We'll keep you advised of position.ā About 4:39 PM The Fitzgerald cannot pick up the Whitefish Point radio beacon. The Fitzgerald radios the Coast Guard station at Grand Marais on Channel 16, the emergency channel. Between 4:30 and 5:00 PM The Edmund Fitzgerald calls for any vessel in the Whitefish Point area regarding information about the beacon and light at Whitefish Point. They receive an answer by the saltwater vessel Avafors that the beacon and the light are not operating. Estimated between 5:30 and 6:00 PM Radio transmission between the Avafors and the Fitzgerald. Avafors: āFitzgerald, this is the Avafors. I have the Whitefish light now but still am receiving no beacon. Over.ā Fitzgerald: āI'm very glad to hear it.ā Avafors: āThe wind is really howling down here. What are the conditions where you are?ā Fitzgerald: (Undiscernable shouts heard by the Avafors.) āDON'T LET NOBODY ON DECK!ā Avafors: āWhat's that, Fitzgerald? Unclear. Over.ā Fitzgerald: āI have a bad list, lost both radars. And am taking heavy seas over the deck. One of the worst seas I've ever been in.ā Avafors: āIf I'm correct, you have two radars.ā Fitzgerald: āThey're both gone.ā Sometime around 7:00 PM The Anderson is struck by two huge waves that put water on the ship, 35 feet above the water line. The waves hit with enough force to push the starboard lifeboat down, damaging the bottom. 7:10 PM Radio transmission between the Anderson and the Fitzgerald. The Fitzgerald is still being followed by the Arthur M. Anderson. They are about 10 miles behind the Fitzgerald. Anderson: āFitzgerald, this is the Anderson. Have you checked down?ā Fitzgerald: āYes we have.ā Anderson: āFitzgerald, we are about 10 miles behind you, and gaining about 1 1/2 miles per hour. Fitzgerald, there is a target 19 miles ahead of us.
Today is a significant anniversary for an event that most of us would never know about if it weren't for a song. A song that talks about the gales of November, about how the Chippewa called Lake Superior Gitche Gumee. Of course, I'm talking about The Wreck of the Edmund Fitzgerald, which happened 50 years ago today. In the song, it says the boat was on its way to Cleveland, and while many crew members lived throughout Northeast Ohio, this time it was on its way to Toledo. I learned so much about the ship's history through my radio, not my history book. And it shows us the power of song in an event never taught in schoolbooks... Click Here To Subscribe Apple PodcastsSpotifyAmazon MusicGoogle PodcastsTuneIniHeartRadioPandoraDeezerBlubrryBullhornCastBoxCastrofyyd.deGaanaiVooxListen NotesmyTuner RadioOvercastOwlTailPlayer.fmPocketCastsPodbayPodbeanPodcast AddictPodcast IndexPodcast RepublicPodchaserPodfanPodtailRadio PublicRadio.comReason.fmRSSRadioVurblWe.foYandex jQuery(document).ready(function($) { 'use strict'; $('#podcast-subscribe-button-13292 .podcast-subscribe-button.modal-6919d497336ba').on("click", function() { $("#secondline-psb-subs-modal.modal-6919d497336ba.modal.secondline-modal-6919d497336ba").modal({ fadeDuration: 250, closeText: '', }); return false; }); });
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2,000 tickets have been sold for this anniversary event at Split Rock Lighthouse. Find out how they will be honoring the lost today on the North Shore.
Find out more from playwright Hal Barnes on the WCCO Morning News, and listen tonight at 9pm!
Nov. 10, 2025 ~ Fred Stonehouse, maritime historian and author of āThe Wreck of the Edmond Fitzgerald,ā joins Chris Renwick and Jamie Edmonds on the 50th anniversary of the wreck of the Edmond Fitzgerald ship. Hosted by Simplecast, an AdsWizz company. See https://pcm.adswizz.com for information about our collection and use of personal data for advertising.
On Nov. 10, 1975, during a calamitous storm, the Edmund Fitzgerald sunk below the waves of Lake Superior. All 29 men aboard went down with the vessel. With no survivors and no eyewitnesses, there's always been a sense of mystery to what is arguably the most famous shipwreck in American history. The story itself was almost immediately immortalized in Gordon Lightfoot's surprise hit ballad āThe Wreck of the Edmund Fitzgerald.āFifty years on, John U. Bacon has written a new account of the disaster. In āThe Gales of November: The Untold Story of the Edmund Fitzgerald,ā he humanizes the story, telling stories of each man on the ship as well as several of the families left behind. (Readers will also learn a good deal about the history of industry and shipping on the Great Lakes.). In this week's episode of the Book Review podcast, Bacon spoke with the host Gilbert Cruz about his new book. Subscribe today at nytimes.com/podcasts or on Apple Podcasts and Spotify. You can also subscribe via your favorite podcast app here https://www.nytimes.com/activate-access/audio?source=podcatcher. For more podcasts and narrated articles, download The New York Times app at nytimes.com/app.
Note: "Act 1" was a separate published audio podcast.*Check out EZ's morning radio show "The InZane Asylum Q100 Michigan with Eric Zane"Ā Click here*Get a FREE 7 day trial toĀ PatreonĀ to "try it out."*Watch the show live, daily at 8AM EST on Twitch!Ā Please clickĀ hereĀ to follow the page.Email the show on theĀ Shoreliners StripingĀ inbox: eric@ericzaneshow.comTopics:*Some old bastard passes out during an Oval Office presser.*Hubby of local Treasurer hosts "Why I don't Like Jews" Podcast.*Eight "inaccuracies" in the song, The Wreck of the Edmund Fitzgerald.*Antonio Brown arrested on attempted murder charges stemming from Spring incident in Miami.Asshole of the DaySponsors:Impact Powersports,Ā Kuiper Tree Care,Ā Adam Casari Realty,Ā Frank Fuss / My Policy Shop Insurance,Ā Kings Room Barbershop,Ā Shoreliners,Ā Dump A-Haulics,Striping,Ā Ervines Auto Repair Grand Rapids Hybrid & EV,Ā TC PaintballInterested in advertising? Email eric@ericzaneshow.com and let me design a marketing plan for you.Contact:Ā Shoreliners StripingĀ inbox eric@ericzaneshow.comDiscord LinkEZSP TikTokSubscribe to myĀ YouTubeĀ channelHire me on Cameo!Tshirts available herePlease subscribe, rate & write a review on Apple Podcastspatreon.com/ericzaneInstagram: ericzaneshowTwitterOur Sponsors:* Check out Secret Nature and use my code ZANE for a great deal: https://secretnature.com* Check out Uncommon Goods: https://uncommongoods.com/zaneSupport this podcast at ā https://redcircle.com/the-eric-zane-show-podcast/donationsAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy
What if you could take out a loan with 0% interest and invest that money for as long as you own your investment property? This is something that cost segregation can help real estate investors do. In this episode of the #DoorGrowShow, property management growth expert Jason Hull sits down with Daniel Boyd from CSSI Services to talk about cost segregation, one of the most powerful ways to uncover hidden tax savings for property owners and managers. You'll Learn [03:10] How Cost Segregation Works [08:54] Recent Changes to Depreciation Rules [11:59] Why Real Estate Investors Should Care About Cost Segregation [18:33] The Importance of Working with Tax Experts Quotables "The big idea here is there's things in the property that wear out fast and there's things that that wear out slow." "We love deductions because we want to pay as little tax as possible." "Wouldn't it be great to take a $100,000 loan with 0 % interest, invest it for as long as you own the property?" Resources DoorGrow and Scale Mastermind DoorGrow Academy DoorGrow on YouTube DoorGrowClub DoorGrowLive Transcript Dan Boyd (00:00) Wouldn't it be great to take a $100,000 loan with 0 % interest, invest it for as long as you own the property? And then when you sell the property, you give the loan amount back and you keep whatever you made on that investment. Jason Hull (00:06) I'm Jason Hull, CEO and founder of DoorGrow, the world's leading and most comprehensive coaching and consulting firm for long-term residential property management entrepreneurs. We have been helping people for over a decade and a half. At DoorGrow, our mission statement is to transform property management business owners and their businesses. We want to transform the industry, eliminate the BS, build awareness, change perception, expand the market, and help the best property management entrepreneurs win. Now, let's get into the show. My guest today is Dan Boyd. We're going to talk about cost segregation, one of the most powerful ways to uncover hidden tax savings for property owners and managers. you'll learn how to accelerate depreciation, apply repair regulations, and know when expenses can be written off immediately. These strategies can help you improve client cashflow, strengthen relationships, and stand out in the market. All right, Dan, welcome to the DoorGrow Show. Thanks so much for being here with you. So Dan, before we get into cost segregation, which is an interesting subject, that's... Dan Boyd (01:10) Thanks so much. Great to be here with you. Jason Hull (01:19) They had some changes recently, right? There's been some changes in depreciation thanks to Mr. Trump and all this stuff going on, right? The president, I think. So I'm curious what you have to say about that. But tell us, how did you get connected to this business? Give us some backstory on Dan. Dan Boyd (01:36) Sure, yeah, it's a little funny. I meet, you Ā bet, I meet people from time to time and they say, how on earth did you get into this line of work? Because it's not like anybody goes to school to work in cost segregation or at least cost segregation sales. know, tale as old as time, I knew somebody. And so I was working in the nonprofit sector. My goal was to become a superintendent. So I had gotten a doctorate in education and I was headed in the right direction. But I found out that the average superintendent lasts for about two years. Dan Boyd (02:05) and then they get run out of town for one reason or the other. And it's typically a very stressful two years. And so while it's a rewarding ā position and the compensation is usually pretty good, I thought, why don't I just skip those two years and go into sales and consulting? And so somebody had told me, I think you'd be pretty good at this. And so I started selling cost segregation for our company. And then, There was an opportunity, they said, you know what, we needed to improve our training and our education, and you've got the perfect background. You understand what we do, but you also come from a world of education, so why don't you join us in that capacity? And so it's been a very good fit since then. Jason Hull (02:28) Got it. So you didn't wake up as like a kid in elementary school saying you wanted to do cost segregation. Dan Boyd (02:48) Believe it or not, no, I can't even say it was on the radar, right? There was like baseball player and then commando and maybe basketball player and football player. So like cost segregation wasn't anywhere near the top of that list. Jason Hull (02:53) Property management business coach was not on my radar back then either, so I get it. All right, cool. So let's get into the topic. So cost segregation, how do we uncover some hidden tax savings?Ā Dan Boyd (03:14) So the big idea here is there's things in a property that wear out fast and there's things in a property that wear out slow. But how do you know? And that's where we come in. So our job is to tell you with our knowledge of the IRS code and buildings, that's what makes us unique. We're very good at both of those things. ā What's the value of everything in your property that wears out quickly? Once you know that, you get to write it off quickly. So let's say you buy an apartment building for a million dollars, Ordinarily, you're going to depreciate that whole building over 27 and a half years. Well, there's components in that property that are going to last three years, five years, seven years. So shouldn't you be able to write it off sooner? The answer is yes. And that was actually there's a landmark court case that led to this. And that was the big argument is, hey, we replace some of these components every five years. You're making us wait 39 years because it's a commercial property to depreciate it. And the court ruled in their favor and said, you're right. And so our job is to come in and really give somebody a huge deduction in the first year. Sometimes 25, 30, 40 % of the building value can be deducted as quickly as the first year. Jason Hull (04:28) Okay, got it. That's significant. Okay. And we love deductions because we want to pay as little tax as possible. Absolutely. Yeah. Yeah. Yeah. I love asking business owners. I say, what's the biggest expense in your business? Dan Boyd (04:34) We do. Absolutely. Yeah. If I have yet to meet somebody who's happy with the amount they have to pay and wouldn't reduce it if they had the chance. Jason Hull (04:49) And then they usually say payroll or staffing. And I say, no taxes, but then payroll. Yeah. they forget about it they don't think of it. It's like grabbing, right? Like you just assume it's there and you have to obey the laws. OK, you just move past it. It's like, well, my biggest expense is payroll because people are expensive. Well, yes, that's true. But if there's if you have deductions, right, if it's part of the tax code, you can legitimately I joke. Dan Boyd (04:55) Yep. And they forget about it because they don't think of it. It's like gravity, right? Like you just assume it's there and you have to obey the laws. And so you just move past it. Right. It's like, well, my biggest expense is payroll because people are expensive. Well, yes, that's true. But if there's if you have deductions, right, if it's part of the tax code, you can legitimately I joke like anybody cannot pay taxes. We help people not owe taxes. Jason Hull (05:17) Okay, yeah. So I was flying actually this weekend with my wife for the first time because she's working on her pilot's license. she wanted me to be in the plane with her and wanted me to experience flying with her. And so she doesn't have her license yet. So I got to sit in the back and she had her instructor next to her and they're flying. And her instructor, I was like this, you know, I was making jokes about how flying isn't. You know, it's pretty relaxing, pretty calm most of the time. And he said, well, I said, I thought it would feel like a roller coaster. He's like, do you want it to feel like a roller coaster? I'm like, sure. And so he does some fancy eight maneuvers or whatever. But what was interesting is when gravity disappeared, when I did not feel gravity anymore, I was like, I'm missing something that I'm so used to. I don't even know that it's there, but you notice it when it's gone quite a bit. Right? It was very noticeable to not have gravity and just be kind of sitting above my seat a little bit as we kind of dropped. And I was like, okay. So yeah, so taxes can be a little bit like gravity, I guess. Constant pressure. Dan Boyd (06:26) Yeah, and if all of sudden, you you were, yeah, if you were used to paying $100,000 in taxes and then all of sudden you didn't have to, you would notice that. That'd be a big deal. Jason Hull (06:33) Yeah, absolutely. Yeah, that would be great. All right. So what are the steps to making that happen?Ā Dan Boyd (06:42) So first thing is, ā assuming that this makes sense, you've got to owe taxes and you need to hold your building for at least a couple of years. And I can get into why. But ā if you wanted to see, does this make sense for me, just get an estimate. So find a reputable firm to work with that does engineering-based cost segregation. Ā And they'll send you an estimate. And they'll say, hey, we think you're going to get somewhere between these two numbers. And that's a high and a low end. And so in general, that's 25 % of what we call the building value. So subtract land out, right? Now you're just left with the building on that lot. That's what you get to depreciate. So if you've got an $800,000 building, maybe you paid a million, land is worth $200,000, subtract that out. So you got $800,000. And again, you'll get a range saying maybe you'll get somewhere between $180,000 up to $300,000 in depreciation. If you like the way that looks, the fee makes sense, and you owe taxes, and you can use it this year, then you proceed with that cost segregation study. And usually, I would say with our firm within two to four weeks, we give somebody a report. So we make it very simple. That report justifies the big deduction. So if somebody ever got audited, which is a pretty rare occurrence anyway, they would be able to explain, here's why we did this. This is legitimate. We worked with a firm that has real engineers that did this. And it gives the CPA what they need. know, CPA is not just going to say, okay, yeah, I'm going to give you a $200,000 deduction for fun. They have to feel comfortable because their signature is going on it. So it's our report that demonstrates to the CPA and to the IRS, this is a legitimate deduction within the tax code and this will stand up to an audit. Jason Hull (08:25) Cool, because we got to make sure that IRS is okay with this. I don't really care if the IRS is happy, but I don't want to be on their bad side either. I just want them to leave me alone. That's really, I think, the goal, right? Got it. Okay. So your company helps with this, right? CSSI. Yes. Okay, got it. Dan Boyd (08:28) Absolutely. If they're not happy, nobody's happy. Yeah, yeah, absolutely. Yeah, as long as they're well, I just want them to be happy with you. We're not unhappy with you. Yes. Jason Hull (08:53) Okay, so, are there different rules? I had mentioned at the beginning, maybe, I don't know, but I thought some rules that kind of change with depreciation and how it works, just recently.Ā Dan Boyd (09:05) They did. Yeah. So in ā this most recent one big beautiful bill, there was a change that brought back what's called 100 percent bonus depreciation. So what does that mean? There's some misunderstandings and sometimes people assume that means you can deduct 100 percent of the building value. That's not the case. So I said there's stuff in a property that wears out fast and there's stuff that wears out slow. So the IRS has categories for that that they call useful lives. So there's a probably the most common categories that ā Property managers are gonna need to be aware of are the five-year useful life and that's roughly the stuff inside the units and then there's the 15-year useful life That's the site improvement. So that's a parking lot. That's landscaping that signage. That's a fence. That's a pool Those kind of things the things on the common ground, right? so what that means is if something has a five-year useful life, you depreciate it over five years. So automatically, that's faster than 27 and a half. So that's accelerated depreciation, because we accelerated it from 27 and a half years to five years, and from 27 and a half to 15 years. Bonus depreciation lights a fire underneath those two categories. And so rather than waiting five years or 15 years, you get some percent of that value right now. So if we're in 100 % bonus year, it means you get 100 % of the five-year value and 100 % of the 15-year value right away. And so ā if we just say, you know what, cabinets, countertops, crown molding, that kind of thing, swimming pools, parking lots, that's all gonna be accelerated. So if you had $500,000 in those two categories, rather than waiting five years or 15 years to get that money, you bonus depreciate it and get all of it this year. ā We just came out of what's called a sun setting bonus period. so from 2022 to 20, I'm sorry, from 2017 to 2022, people got 100 % bonus depreciation. So if your property was placed in service as a rental in those years, it gets 100 % bonus period. Doesn't matter when you do the cost segregation. But in 2023, it started to go down 20%. So 2023 was an 80 % bonus year. 2024 was a 60 % bonus year. And the first 19 days of 2025 are a 40 % bonus year. So 100 % bonus depreciation kicks in on inauguration day. So they made it retroactive to the inauguration day. So if you bought Dan Boyd (11:27) 2023 was an 80 % bonus year, 2024 was a 60 % bonus year, and the first 19 days of 2025 are a 40 % bonus year. So 100 % bonus depreciation kicks in on Inauguration Day. So they made it retroactive to the Inauguration Day. So if you bought a property and placed it in service on January 20th or later, you get 100 % bonus depreciation. Ā Jason Hull (11:54) Cool. Okay. Right. So thank you, Donald. All right. So why should investors that are wanting to invest more care about cost segregation? Why should they be paying attention to this? Because I think this plays into their strategy, but some may not get it. Dan Boyd (11:56) Yeah. Great question. So the time value of money, if I could give you $100 today or $1 a day for the next 100 years, it's worth way more to you to get that money today because you can invest it, right? There's no inflation, yada, yada, yada. So the more tax deductions or reductions you can get early on, the more you're able to free up your capital and deploy it to grow your portfolio, right? to repair your property, to increase rent, to pay down debt. And that money is worth a lot more to you today. So if you can get 25 % of your building value back now, rather than in a quarter century, why wouldn't you do that? Jason Hull (12:56) Got it, okay. Let's do a quick word from our sponsor, Cover Pest. And then we'll continue. Cover Pest is the easy and seamless way to add on demand pest control to your resident benefits package for your property management company. Residents love the simplicity of submitting a service request and how affordable it is compared to traditional pest control options. Investors love knowing that their property is kept pest free and property managers love getting their time back and making more revenue per door. Simply put, Cover Pest is the easiest way to handle pest control issues at all your properties to learn more and to get special DoorGrow pricing, visit coverpest.com/doorgrow All right, cool. Check out Cover Pest. All right, so back to this idea of investors leveraging cost segregation. So this is going to allow them basically more money now means you can take that money, deploy it in more effective ways now Ā to grow it so you can have more of it later, right? Is kind of the idea.Ā Dan Boyd (13:59) Yeah, absolutely. ā If you owe taxes right now and you own rental property, as long as you're going to hold that property for even just two or three years, you are going to make more money by taking more depreciation, reducing your tax burden, freeing up capital to reinvest and make some rate of return. And so as long as you can invest that money and earn a return, then you're going to benefit from doing this. Jason Hull (14:06) Yeah, same reason I file an extension every year. I wanna delay the IRS having access to any of the funds so that I can do more stuff with it before they get their hands on it, right? So more money faster and... Dan Boyd (14:38) There you go. Jason Hull (14:42) IRS later. Yeah, that's the ideal goal. Cool. So how do they make sure that they're making good decisions around all of this? This is where a company like CSSI comes in, I would imagine.Ā Dan Boyd (14:54) Yes, so we see ourselves as consultants. so in fact, just probably an hour ago, I was on the phone with somebody who couldn't benefit from a cost segregation. And it was really because he didn't owe enough in taxes. And I said, you just don't need this deduction right now because you don't owe anything. And so you'll be paying for the service to get a huge deduction. And that's great. But it only makes sense to have a big deduction if you have a lot of income. And so our job is to look at somebody's scenario and say, here's what we think your deduction will be, let's match that up with what's your tax liability? Do you owe a lot this year? Or maybe are you going to owe next year? Should you wait? And then how long are you going to own this property? Let's do the math and figure out, does this investment make sense? And so that's kind of the big one. My two litmus tests are, do you owe taxes? And are you going to own this property long enough to invest this? And the reason for that is when you take depreciation on a property, That's kind of the big one. My two litmus tests are, you owe taxes? And are you going to own this property long enough to invest this? And the reason for that is when you take depreciation on a property, whatever you take out, you owe back when you sell the property. That's called recapture. And so oftentimes people are afraid of that. But I think the best way to think of that is like a loan, right? The IRS loans you that depreciation. And then when you sell the property, you owe the depreciation back. But they don't charge you interest on that. And so Wouldn't it be great to take a $100,000 loan with 0 % interest, invest it for as long as you own the property? And then when you sell the property, you give the loan amount back and you keep whatever you made on that investment. Jason Hull (16:15) Okay, so how long is long enough to own the property then? Dan Boyd (16:25) It depends on your rate of return. And so if I give somebody, let's say, $100,000, and they can make 7.5%, as long as they pay less than $7,500 to get the cost segregation study, they're going to make money. And so that's usually how I do that math. And it's different for everybody. And sometimes they're not sure. And so I'll kind of walk them through. my tendency is to be a little cautious with it and say, if you're not sure, I don't want you to get into a situation where you're going end up owing more than you got in terms of your reduction in taxes and any benefit out of this. But I'd say a very comfortable break-even period is three years. Jason Hull (17:07) Okay, got it. Okay, so if they own it for at least three years, then it may make sense. They should probably be considering it. Especially if they owe taxes and they haven't figured out how to zero those out.Ā Dan Boyd (17:12) Yeah, absolutely. And if they plan to. Yeah, exactly. Because once you pay taxes, money's gone forever. You can't get it back. No, not at all. And if you, you know, if people are worried like, I don't want the depreciation, I don't want the depreciation recapture in the future. It's like, okay, well really what you're saying is you'd rather have that money in three years when you sell the property than have it now. And if that's true, that's fine. But then you're missing out three years of the time value of money of money. Right.Ā And if you're a decent investor, you could probably do something with that money, like grow it over the next three years.Ā Dan Boyd (17:55) Yeah, absolutely. In that example I used, you know, getting $100,000 in tax savings back for 7,500, it may cost less than 7,500. Jason Hull (18:05) So it could be a no-brainer, but you'll help them see that, which makes it probably a very easy product to sell to the right person.Ā Dan Boyd (18:08) Yeah, I try not to make it too complicated. We are in the tax world, right? It's tax and real estate, so it's kind of funky. But I just try to keep it high level and let people know, hey, here's what you're to deduct. So in other words, here's how much income you won't owe taxes on. And mathematically, does that make sense for you? And if so, let's talk about the next steps. Jason Hull (18:33) So what are the other big questions that people ask you when you are selling these services?Ā Dan Boyd (18:40) Great question. So the big one is, I going to get in trouble with the IRS? The answer there is no. So this is no more risky than even just, let's say, cost segregation. So our company's done in the ballpark of 55,000 studies. And we have not seen that this triggers an audit. And when the IRS asks to take a second look, they're usually just as part of due diligence. And so they don't reject the results. They don't have penalties or anything like that. They're usually just, you that's part of due diligence. And so they don't reject the results. They don't have penalties or anything like that. So it's pretty rare that somebody would even get an audit when they have a cost segregation done. The other, I would say like a typical safety concern, right?Ā Is people say, well, that's my CPA's job, right? They do that. a CPA, kind of depending on who your CPA is and how they operate. You might say it's not really their job to look for business strategies for you, right? Ways that you can deploy capital and invest it. Dan Boyd (19:39) They're preparing your taxes, right? That's really what they're allowed to do. So I think people often make that mistake of thinking that their CPA is their business coach. And plain and simple, they are not, unless you're paying them a lot of money to do that. And so we work with a lot of CPAs who do that type of consulting and work, and they refer their clients to us, because this is not something a CPA can do, because you've got to have an engineering background. And so unless your CPA went to school first to be an engineer and then a CPA. This is not in their wheelhouse. if their firm offers it, they're probably just working with a firm like ours and saying, OK, we'll pay for the study, and then we'll give it or sell it to our client. Jason Hull (20:29) They are not trying to do anything related to lowering your tax dollars. yeah. so we've been, and I have been able to wipe out our taxes just by getting really good tax advice, but it's never from our CPA or from our accountant. Yeah. So I would recommend anybody listening get. Dan Boyd (20:47) Yeah, as you would expect it to be. Jason Hull (20:50) If you have a CPA, awesome. And I highly recommend you go, if you're a business owner, get a profit first certified professional. I think that's a good early stage step to making sure you have financial health in your business. They're going to take things a little bit beyond just standard accounting, but go find a tax expert that's going to help you with tax stuff. And then you're going to need probably experts like CSSI. We used a special company that assessed our own property so we could rent it to ourselves using the Augustus rule and stuff like this. So there's niche companies that you can use that will help find more money for you.Ā Dan Boyd (21:29) It's, know, in ā any line of work, there's specialties. And so, you know, in medicine, there's specialists, right? You've got your general practitioner, and they see you for normal things, right? You go there when you have a cold or for an annual checkup. But when something serious is going on, you always go to a specialist. And taxes are the same way. And so I'd say, you somebody's CPA is like their family doctor, and they should see that family doctor on a regular basis. Ā But we're the specialists. I would say we're probably most like a radiologist, right? Because we see things that other people don't see in terms of tax savings. And so that's our role. We don't prepare taxes. We prepare reports that help people not owe a lot of taxes. Jason Hull (22:10) Right. And there's a lot of different specialists out there and we've leveraged several financially and I'm sure there's more we're not even aware of that, you know, as Sarah and I grow and learn in our financial health, you know, that we will utilize. these are these are things that I would love everybody listening to be aware of. So I'm glad to have you here today. So did we miss anything that you think would be important for the audience to know about cost segregation? So, Dan Boyd (22:36) So, you know, why would like to your audience, why does this matter? And I'd say, if your clients don't hear about it from you, they're going to wonder why they're going to think my like, I trust this person with real estate, I would have expected them to know about this. And so Jason Hull (22:39) Yeah. Ooh, yeah. them to know about this. Yeah, they are expecting you to be the investment specialist. That's where you set yourself head and shoulders above just being a property manager where you're like, you know, a commoditized service. Then you're at that next rung on the ladder where you're an advisor, you're a consultant, they appreciate you. so, yeah, property managers could be leveraging CSSI. How can they leverage you guys? So a really easy way to get in touch with us is Dan Boyd (22:56) Yes. Yep. So a really easy way to get in touch with us is you Ā can just go to our website and there's a calculator there. And I think actually this is what would be even better. I think we have a landing page, especially for DoorGrow listeners. So people can go there and you can get information about a property. if you want information for a client, you could go there and you could submit a request and we will send you an estimate for that client, that property. With a discount for DoorGrow listeners. so, ā yeah, there we go. So that's cssiservices.com slash DoorGrow. And ā that's probably the best way, right? There's some basic information you can put in about the property and that will go to me and to one of our other reps, George Taylor. And we'll make sure to walk you through it, help you understand how you can talk to your clients about this so that you come across as the expert, right? We wanna, we don't need to take center stage. We wanna help you. And we'll make sure to walk you through it, help you understand how you can talk to your clients about this so that you come across as the expert, right? We don't need to take center stage. We want to help you be the be the expert and really deliver the great news to your clients. And again, if they hear this from you, they're going to say, that's why I work with this person. I work with them because they're looking out for me. They have my best interest in mind. And if they don't hear from you, then they'll say, wow, I wonder why, you know, why didn't they know about this? Or if they did know about it, why didn't they tell me? Jason Hull (24:33) Yeah, they're expecting you to be the investment specialist and it's a painful realization for them when they get advice outside on their property. That's a good idea and you didn't give it to them. So you want to be the one that delivers this good news. So ā yeah, so that website address is C as in Charlie, S-S-I-S-E-R-V-I-C-E-S. So CSSI services dot com slash DoorGrow. Dan Boyd (24:48) Absolutely. Dan Boyd (25:08) And is that DoorGrow just ā all one word? OK, gotcha. Yeah. So and I'd say, you know, doesn't there's no cost to getting the estimate to determine, hey, how much is how much could this save somebody in taxes? And so really no harm to getting that estimate and presenting it to somebody. And that way, even if they don't need it this year, they have that for decision making purposes in the future. That's part of tax planning to say, OK, this year, my taxes are taken care of. But next year might be a really big tax. Ā Jason Hull (25:18) Yes. Got it. And so the property manager could initiate this process for each of their properties. They could. Okay, got it. Very cool. Well, Dan, I appreciate you coming on the show. Glad we have this cool DoorGrow page. That was a nice surprise set up. Jason Hull (25:58) Anything else you want to Dan Boyd (26:00) I don't think so, other than I hope we can help all of your audience save their clients tens and hundreds of thousands of dollars in taxes this year, next year and beyond so that they've got more money to buy more properties and just continue to grow their portfolios. Jason Hull (26:14) Yeah, that would be some nice surprises. I don't think anybody's clients would complain about that. So, all right. Appreciate you being here on the DoorGrow show, Dan. All right. So if you've ever felt stuck or stagnant in your property management business and you want to take it to the next level, reach out to us at DoorGrow dot com. Also join our free Facebook community. It is just for property management business owners at DoorGrow club dot com. And if you would like to get the best ideas in property management, join our newsletter. Dan Boyd (26:19) I don't think so. You bet. Thank you, Jason. Jason Hull (26:43) by going to doorgrow.com slash subscribe. And if you found this episode even a little bit helpful, don't forget to subscribe and leave us a review or a positive comment on whatever channel that you saw or heard this on, we'd really appreciate it. And until next time, remember the slowest path to growth is to do it alone. So let's grow together. Bye everyone. Ā
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