Podcasts about cape coral

A Florida man heading to court for a burglary charge stopped to attempt another burglary along the way, telling police he just wanted a shirt to wear in front of the judge.SOURCES, LINKS, AND PRINT VERSION: https://weirddarkness.com/burglary-commute/Look for this podcast on Apple Podcasts, Spotify, iHeart Radio, Amazon Music, Pandora, TuneIn Radio, and other podcast apps. Get a list of free listening apps here: https://pod.link/1078714736*No AI Voices Are Used In The Narration Of This Podcast*WeirdDarkness® is a registered trademark. Copyright ©2026, Weird Darkness.#WeirdDarkness, #WeirdDarkNEWS

In this episode of the Cape CopCast 'Chief's Chat,' we sit down with Chief Sizemore to get real about hurricane preparedness in Cape Coral, from the anxiety many of us feel on June 1 to the hard-earned lessons from storms like Ian. El Nino, La Nina, projected storm counts... none of that changes the bottom line: it only takes one, and readiness beats optimism every time.We break down what our police department actually does as a storm approaches, and the moment we have to stop responding for safety. We discuss how we stage personnel before conditions deteriorate, what happens inside the building when sustained winds hit 45 mph, and the personal prep basics we expect from our own staff: a real family plan, cash on hand, prescriptions, uniforms, food, and the items that matter when you are working around the clock.After the storm, we explain “first push,” the initial damage assessment that guides everything that comes next, and how alpha/bravo scheduling helps us handle both regular calls for service and hurricane recovery missions. That includes welfare checks, traffic control, generator deployments, protecting limited fuel resources, supporting points of distribution, and keeping the city moving toward normal as fast as possible.

Pastor Stokes Collins is the Campus Pastor of Ocean Church–Cape Coral, located in Cape Coral, FL. Ocean Church exists to partner with the work of God in people's lives.To stay connected to Ocean Church: Website: https://bit.ly/2vx8M2o Ocean Church Facebook: https://bit.ly/2IXUsTq Ocean Church Instagram: https://bit.ly/2vx8x7u

A Memorial Day morning can reset your sense of what “service” really means. We begin with Chief Anthony Sizemore reflecting on the Coral Ridge Memorial Day Ceremony and the way fallen heroes are remembered not just in speeches, but in the families who return every year. When the Eggers family is honored in Washington, DC, it hits home here in Cape Coral, especially as the next generation steps forward to continue a military legacy.Then the tone shifts hard into the work: an early-morning call about a vehicle burglary in progress escalates into a coordinated response that leads to five arrests, including juveniles and young adults connected to a wider pattern of crime. We walk through what it looks like when policing is both fast and precise, from UAV drones with thermal imaging to K9 tracking, plus support from Lee County Sheriffs' Office Aviation and real-time intelligence that helps connect suspects to warrants and prior cases.We also dig into the question we hear all the time: where do public safety dollars actually go? Staffing, training, supervision, and law enforcement technology are not competing ideas, they are a system that has to work together while the rest of the city still needs help. 

Thomas Stein is on trial in Lee County for the fatal shooting of 15-year-old Kayla Rincon-Miller during what prosecutors say was a robbery attempt in Cape Coral. His former co-defendant Christopher Horne Jr. has already taken a plea deal and is expected to testify for the state, making his testimony one of the most critical moments of trial. This case now turns on whether jurors believe Stein was the shooter—or whether the prosecution can still secure a conviction even if that exact trigger pull remains disputed.Juror Copycat Crimehttps://people.com/juror-who-convicted-man-fatal-stabbing-allegedly-arrested-similar-crime-days-later-11962212Florida man drives riding lawn mower into Targethttps://www.yahoo.com/news/articles/florida-man-drives-lawnmower-target-202552094.htmlJoin our squad! Kristi and Katie share true crime stories and give you actionable things you can do to help, all with a wicked sense of humor.Follow our True Crime Trials Channel: https://www.youtube.com/@TrueCrimeSquadTrialsFollow our True Crime Shorts Channel: https://www.youtube.com/@truecrimesquadshorts-t6iWant to Support our work and get perks like extra content and The Watch Party?www.truecrimesquad.com*Social Media Links*Facebook: www.facebook.com/truecrimesquadFacebook Discussion Group: https://www.facebook.com/groups/215774426330767Website: https://www.truecrimesquad.comTikTok: https://www.tiktok.com/@truecrimesquadBlueSky- https://bsky.app/profile/truecrimesquad.bsky.social True Crime Squad on Spotifyhttps://open.spotify.com/show/5gIPqBHJLftbXdRgs1Bqm1

Thomas Stein is on trial in Lee County for the fatal shooting of 15-year-old Kayla Rincon-Miller during what prosecutors say was a robbery attempt in Cape Coral. His former co-defendant Christopher Horne Jr. has already taken a plea deal and is expected to testify for the state, making his testimony one of the most critical moments of trial. This case now turns on whether jurors believe Stein was the shooter—or whether the prosecution can still secure a conviction even if that exact trigger pull remains disputed.Opening statements in the trial of Thomas Stein framed the case as a robbery gone wrong that turned deadly, with prosecutors telling jurors the evidence will show Stein participated in the events that led to the shooting of Kayla Rincon-Miller. The state signaled that testimony from co-defendant Christopher Horne Jr. will be central to explaining what happened inside the SUV and who did what during the encounter. Defense attorneys pushed back by emphasizing uncertainty around who actually fired the gun, urging jurors to scrutinize Horne's credibility given his plea deal.Join our squad! Kristi and Katie share true crime stories and give you actionable things you can do to help, all with a wicked sense of humor.Follow our YouTube Channel: https://www.youtube.com/@TrueCrimeSquadFollow our True Crime Trials Channel: https://www.youtube.com/@TrueCrimeSquadTrialsWant to Support our work and get perks like extra content and The Watch Party? www.truecrimesquad.com*Social Media Links*Facebook: www.facebook.com/truecrimesquadFacebook Discussion Group: https://www.facebook.com/groups/215774426330767Website: https://www.truecrimesquad.comTikTok: https://www.tiktok.com/@truecrimesquadBlueSky- https://bsky.app/profile/truecrimesquad.bsky.social True Crime Squad on Spotifyhttps://open.spotify.com/show/5gIPqBHJLftbXdRgs1Bqm1

School safety gets talked about like it's only locks, radios, and worst-case scenarios, but the truth is more human and more demanding. Hosts Lisa Greenberg and Officer Mercedes Simonds sit down with Chief Anthony Sizemore to unpack what makes a School Resource Officer effective when the job requires two extremes at once: the ability to respond instantly to danger and the patience to earn trust with kids who may be meeting law enforcement for the first time.We share a story that captures the spirit of the work: Officer Syd Wilcox being surprised with a VFW 'Officer of the Year' honor and why his retirement feels so big to his school community. From there, we dig into what it takes to run an award-winning SRO program in Cape Coral: elite standards, ongoing training, campus drills, crisis intervention skills for youth, and tight partnerships with the Lee County School District and charter schools. We also explain why the assignment is specialized, sought-after, and built on continuity, so relationships can grow over years instead of resetting every year.The conversation goes deeper into the parts people rarely see: hundreds of counseling sessions, sitting in on tough meetings with students and parents, doing threat assessments, and making careful decisions that protect a campus without unnecessarily criminalizing a kid. We also highlight a standout example of trauma-informed support: SRO James Cannon helping launch parenting classes alongside school leaders and youth mental health professionals to meet real community needs.

Keith shows how simple buy-and-hold real estate can be a powerful path to long-term wealth.  He explains how the tax system and inflation often reward property owners—especially those with fixed-rate debt and rental income—turning modest rent increases into outsized gains in cash flow. Keith also explores how broader economic forces and neighborhood trends shape real estate markets, and why even an extra $1,000 a month in passive income can meaningfully increase your freedom, reduce reliance on a single job, and move you closer to financial independence. Episode Page: GetRichEducation.com/603 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. Learn how rent inflation makes real estate investors wealthy. Do certain grocery stores in your neighborhood stoke real estate prices, then how just $1,000 of extra monthly cash flow can be surprisingly life changing. Today, on get rich education,   Keith Weinhold  0:24   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 freedom. Familyinvestments.com to book a clarity call or text. Family 266, 866, that's family 268, 66   Speaker 1  1:28   you're listening to the show that has created more financial freedom than nearly any show in the world. This is get rich education. You Chris,   Keith Weinhold  1:44   Welcome to GRE I'm your host. Keith Weinhold, it's the show that coined the phrase real estate pays five ways. This is get rich education. You learned how to work at your job. The reason we're here is to make you aware that capital compounds labor doesn't, and that's almost why you have to be an investor today. A couple weeks ago, we had tax day in the USA, and that's not quite a holiday. Virtually no one celebrates it. Yes, here in our 250th year of existence as a nation that erstwhile mentioned semi quincentennial. How did America go from fighting a revolution over a 2% tax on a breakfast beverage at the Boston Tea Party to what we pay today? Have you really processed what this has come to now we're taxed when we earn money, taxed when we spend it, taxed when we save it, taxed when we invest it, even taxed when we die with it. And that's just the start. Think about your typical day, your routine. We commute to work in a car, were taxed to register driving on roads. Were taxed to build fueled by gas that's taxed again and then often paying tolls on top of that. Well, those taxes are supposed to maintain the infrastructure, like bridges, highways and tunnels, but yet, they already have billions of taxpayer dollars allocated to them. Then we arrive at an office that's taxed to exist inside a business that's taxed to operate that requires permits and licenses that act like other layers of taxation. When we finally get our paycheck, our employer matches payroll taxes on top of our wages, just incredible. And at the end of the day, we go home to a property we're taxed to own every single year, purchased with income that was already taxed in the first place, and somehow all of this is considered normal. Here's the turning point. Most people when they realize this, feel frustrated and saddened and even victimized. But instead, real estate investors flip the frame from victim to strategist, the same system that taxes seemingly everything quietly rewards those who own assets through depreciation, we report a loss even when the property produces real cash flow. Last week, I told you how you can specifically lower your property taxes step by step, then through mortgage interest and operating expenses, we can reduce that amount of our income that's even taxable at all through long term leverage, we're often repaying debt with inflated dollars, while our tax burden stays surprisingly low, and then it gets even more power. Powerful, more advanced real estate investors use a cost segregation and bonus depreciation to pull years of deductions forward into today. And it's something that's not really that sophisticated or tough to understand either. And then when we sell a property 1031, and 721, exchanges help us defer the capital gains tax. And when you start to think about it, could these turnabouts even get us patriotically excited for a dare I say, semi quincentennial.   Keith Weinhold  5:36   our system of taxation, it can feel punitive. Some high earners lose more than 55% of their income to taxes, both federal and state. Real estate investors don't just earn gains in income. We reshape it. We continue to thrive in a tax system that rewards ownership. Not only is wealth built from owning things rather than having a high salary, tax breaks are gained by owning things rather than having a high salary. And now it's somewhat common knowledge that war leads to inflation. The latest Middle East conflict entails a lot of military spending, and it's been made worse by disrupting an energy producing region. Four weeks ago, I told you about why wars are inflationary and just how bad it can get. That is why the first major wartime inflation reading that we got was so telling. And wow, inflation grew at the fastest annual rate from one month to the next since the pandemic spike back in 2022 it went from 2.4% up to now 3.3% just like that. And with more inflation poised to come along, even if the war winds down, and I want to talk more about how this benefits you shortly. And yes, if you're a newer listener, you're not used to inflation benefiting you, but it benefits the educated and the aware. GRE listener. And first, here's what fewer people pay attention to. M2 money supply that's jumped 4.8% annually to a record of almost $23 trillion now the money supply, this is the 24th consecutive monthly increase the supply was only about $5 trillion back in 2000 10 trillion by 2012, 15 trillion in 2020, and then the pandemic made the money supply explode, and it's almost 23 trillion today. And what does this all mean that the US dollar is losing purchasing power at a historic pace, because, look, inflation is actually not rising prices. The thing that's now up to 3.3% the CPI. Rather, inflation is an expansion of the money supply. It inflates. That is the very etymology of the word people often overlook that. That's why I'm talking about the historic expansion rate of the money supply, and how that can show up in higher prices later. High prices are not inflation. Rather, they are a consequence of inflation. And I want to tell you more about what this means to you, and explain how this builds your wealth in a new way. But first, I mean, my gosh, have you been as flabbergasted about inflation as I am, just at the consumer shelf and aisle level in a store, and I'm a guy that likes to spend money, yet I've got to say sticker shock. It still gives me pause when I'm in a store, even on the cheapest of items, I recently went inside a gas station convenience store after I filled up a regular size York Peppermint Patty, 1.4 ounces cost $3.19 this consequence of inflation has left me slack jawed, but already was a Slack jaw however, has it left you slack jawed? All right, let me tell you about how the wildly overpriced York Peppermint Patty makes real estate investors rich in their sleep. Did you know that the classic economist, Milton Friedman, discussed the concept of get rich. Education's inflation, Triple Crown, essentially. Now we didn't call it that. In fact, he discussed it before GRE existed in 2014 let's listen into this. Friedman won a Nobel Prize in 1976 I'm going to guess that this is him speaking in about 1980 essentially, he. Discuss the first two crowns, which are also the ones that homeowners with a mortgage benefit from which are asset price, inflation and debt debasement. This is about two minutes in length.   Speaker 3  10:11   If I ask people, are you in favor of inflation or not? Everybody is against inflation. But when I explore a little bit further, if I say to people, tell me, have you gained from inflation? Oh, no, you say I haven't gained. And yet, the fact is that a great many people have gained from inflation. There are many, many people who have benefited. Of course, the major gainer from inflation is the federal treasury, as I've already said, but almost everybody who has bought a home in the past 30 years has gained from inflation. He was able to borrow on a mortgage, which inflation has paid off, along with paying off the government debt, so that almost all homeowners in this country are beneficiaries from inflation. Indeed, one of the things that makes inflation such a bad social disease is precisely that it tends to be divisive, because some people do very well during an inflation period, and some people do very badly. And as a result, the population gets split into people who are seeming in great prosperity and people who are in great distress. When most people say they want to stop inflation, what they mean is that they want the prices of the things they buy to go down and the prices of the things they sell to go up. But since what one man sells is what another man buys, that's a neat trick, if you can do it. And as a result, people aren't really serious when they say they want to stop inflation, certainly not in the early stages, not before they fully understand, not before it's gotten to the point where it is really creating serious social problems. Everybody wants to stop inflation at somebody else's expense.   Keith Weinhold  12:11   That was classical macro economist Milton Friedman discussing the rarely talked about benefits of inflation. He also served as an advisor to President Reagan and to British Prime Minister Margaret Thatcher Friedman extolled the virtues of free markets and minimal government intervention. Well, yeah, he discussed the first two crowns of get rich, education's inflation, triple crown. So let me discuss the third one, because you benefit from this when you rent out property. And what's interesting about what I'm going to tell you is that this example is going to make it more apparent than it ever has to you, that rent inflation makes landlords rich in their sleep. In fact, the positive effect on you is even greater than I thought I double checked these numbers I'm about to share with you before I came on the air, because I didn't expect this high of a degree of cash flow enhancement. And also, I was talking about what I'm going to show you on YouTube earlier, and it generated a negative, biting comment from a viewer. I'll tell you about that, but yeah, I showed this to a guy that's been investing in real estate for 36 years, and he didn't even understand this. Here it is with general monetary inflation. Rent inflation is a consequence. So let's keep this simple. Say that you charge rent of $2,000 and that could very well be a realistic rent amount for a single family rental property that our GRE investment coaches help you find today, although the average is probably a little less than that. So in any case, $2,000 rent. When you subtract out your fixed rate mortgage payment of $1,000 and your operating expenses of $800 This leaves you with $200 of monthly cash flow. We'll say that's your scenario today. Next rents rise 3% This means you're getting $2,060 now. Doesn't sound so exciting, yet your mortgage payment stays locked in at $1,000 inflation can't touch it. That's the key to this. Your operating expenses also rise 3% up to $824 This leaves you with cash flow of 236 okay. So what happened there is your cash flow went from 200 up to 236 that's not a 3% gain, inflation gain 3% this is an 18% increase in your income. 200 up to 236, an 18% cash flow spike off just a tiny rent adjustment will extrapolate that effect. Right across your portfolio. I mean, this is like your annual income going from 100k up to 118k and then compounding like that every single year. That is power, because inflation couldn't touch your fixed mortgage payment. And this is something I've explained before. It's the third crown of get rich education's inflation Triple Crown called Cash Flow enhancement. But it's a better example than I've ever had for it, and it's a germane time to talk about it with inflation on the rise again. Now here's an angle. Does what I just explained feel wrong in any way. The thing is, you aren't fleecing your tenant. It's just an adjustment to inflation, a little 3% bump to them, a big 18% difference to you. You didn't get rich off your tenant. You got rich because, again, you're leveraging the bank's money, but you're doing it in a way that most people don't see or think about and of course, mortgage free owners lose this entire benefit. It is just another way that real estate investors get rich in their sleep. Yet few ever understand how. But like I said, I was talking about this on YouTube just a little bit ago, and a commenter simply wrote, this makes you a bad person.   Keith Weinhold  16:27   Now, the viewer of GRE YouTube channel, sometimes it's you, but you know, sometimes it's someone that doesn't listen to this audio show here, where we do more learning, the casual or occasional YouTube viewer. They just probably don't understand all of what you do. But yes, like me, you have probably run into people out there that think that landlords are bad because they charge tenants rent and they adjust the rent as their expenses rise. And some of these people even say something like, I believe housing is a human right. I seem to hear that more and more, okay, that's one thing, but they imply that the taxpayer should pay for their housing. I mean, does that even work over time? You can see how often government provided housing fails and it ends up being exorbitantly expensive when the free market prevails. Instead, you know, I think that this sentiment has gotten a little worse because of the K shaped economy, more people having to sleep in their cars makes those people resentful. America, you know, we're in better shape when we have a strong middle class. What can really help you a lot is if you haven't yet. Finally, watch the three part video series, the inflation triple crown. The video really helps reinforce your learning well, because it's helpful to show numbers on screen, like you can in a video. You can watch that directly by going to get rich education. COMM, slash inflation, Triple Crown, or shorter. You can just go to the abbreviated get richeducation.com/itc, it takes you to the same place. It really shows you how to optimize your income increases and do it the right way. I mean, if someone thinks you're a bad person for raising the rent 3% commensurate with 3% inflation, well, you know what? Then if that person is an employee, should they also feel bad for getting a 3% pay raise at work? Well then they should, right, because they're charging their employer 3% more for their services as an employee. Well, of course, that's okay. So that sentiment doesn't make one bit of sense, all right. Well, let's temper the 3% rent inflation that I used in our example here. There's both bad news and good news around this, because today, rent increases are below average nationally. In fact, Zillow has forecast only a 1.1% rent increase in single family rentals this year. And then the good news is that the average rent increase since 2020 is 6% and we only used 3% in our example. The bottom line here is that few real estate investors ever have the epiphany that cashflow enhancement is yet another significant way that inflation makes them wealthy, and it's just another reason why carefully selected simple buy and hold. Residential real estate makes people wealthy. Just buy and hold you don't have to dig in and do a bunch of aggressive value add or get into a niche like self storage or short term rentals or assisted living homes that you sure can do those things. And there's nothing wrong with niching down. You just don't have to, and sometimes we even discuss those nichey vehicles here on the show. In fact, we've done four episodes on assisted living homes, but it's hard to beat the relative passivity and the durability of simple buy and hold residential not the latest hot thing, not speculation, but just what's proven. But you have to understand these forces and then act on them. I mean, I gave an example there of $200 in cash flow, and since that's only the most visible component of the five ways real estate pays. When you add it all up, you might be getting $1,500 of monthly benefit on a single family rental property that only costs 300k 1500 a month on a 300k property that you might have only put 20% down on. And for that 1500 a month, it might only take one hour per month of your asset managing of your property to get that $1,500 of benefits. So that is $1,500 an hour. That's great, but it's only one hour a month, and that's exactly what makes you want to scale with buy and hold property as soon as you get into a lot of real estate niches, which, again, it can be worthwhile, whether that's self storage or assisted living homes or something like that. Well, now it's more like an active business that you have to run, and you're probably going to spend substantially more hours there. But yes, a guy that's been investing in real estate for 36 years. Did not understand cash flow enhancement from Rent inflation until I showed this to him and watch it all. He watched the three part video series, which, again, you can watch for free at get rich education.com/inflation. Triple Crown or shortened simply, get rich education.com/itc. Open it up now and watch it later, because I'm back with more next. I'm Keith Weinhold on episode 603 of get rich education.   Keith Weinhold  22:13   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 GRE that's F, l, O, C, K, homes.com/g R, E,    Keith Weinhold  22:49   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   Tarek El Moussa  23:23   What's up? Everyone? This is hgtvs Tarek El Moussa. Listen to get rich education with Keith Weinhold, and don't quit your Daydream.    Keith Weinhold  23:30   Welcome back to get rich Education. I'm your host. Keith Weinhold, I'm here in Las Vegas today and staying at the Bellagio with a terrific fountain view room. Yes, the paradox of having a giant water show every 30 minutes in the middle of the Mojave Desert, as it is today, just up the street at the Venetian the big Bitcoin 2026, conference kicks off. I might attend some of the sessions, and I might not. While I'm here in Vegas, I'm more focused on spending time with my brother's family. I know I've mentioned to you before that they live in nearby Henderson, Nevada, and I come here pretty often. You could call me a real estate investor. That's crypto curious. I own a little Bitcoin because I think it has some compelling value propositions as well as a number of problems. I think, like a lot of people, I have more questions about Bitcoin than I do answers, and each time I get a new answer, it just prompts three new questions. Now I plan to shop at Trader Joe's shortly. I'm kind of a weirdo here in Vegas, in the sense that I don't gamble, and rather than eating every one of my meals out, I like to be a little healthy shop at a grocery store and bring good food back to the fridge in my room. Well, how? Do certain grocery store chains impact local real estate prices. And you might have heard about this before, but there's a good new study about it that just appeared in the USA Today. And I kind of like the USA Today, because you can easily find a USA Today article where a columnist wrote a story about me as well. But what happened is an analyst matched more than 32,000 store openings to property prices over 50 years. And one conclusion found that homes in the same zip code as a trader joe's saw their values rise about 6% faster than the national average over three years. Another study found that over five years, home prices near Trader Joe's rose by 49% compared with 45% for homes near Whole Foods and 58% near Aldi. I wouldn't have expected that Aldi is a low cost bargain grocery store. Now there are a couple twists here. First, a higher end grocery store, like Whole Foods, that might very well correlate with a good, more affluent neighborhood, sure, but it also might reflect the fact that home values are high, and that usually is not profitable for long term rentals. And the other takeaway is that grocery stores don't actually cause price appreciation. Instead, they reflect it. These grocery chains, they really invest heavily in site selection, so their presence signals that an area was already trending upward, even before a Trader Joe's arrives in an area, the median household income in a neighborhood hovers around $82,000 and that was the highest in the chains that were studied with a typical home value of 425k and the flip side is also pretty noteworthy, the study found that Walmarts tend to be built in neighborhoods with an average household income of only $49,000 and home values of under 200k plus the home price appreciation Proximus to a Walmart, it ends up trailing the national average by 4% over three years. So really, can we say then that the K shaped economy runs through the grocery aisle? I want to get back to discussing your wealth shortly, but first, let's have a checkup on the economy that you're invested inside every day. Over the past year, the US economy has continued to do well, which has surprised some people, some saying that the economy seems to defy gravity. I mean, look at this point. It has withstood chaotic tariff changes, labor supply shocks, swings to the stock market and then a kinetic war on top of that. And how is it pulling this off? Probably starting with AI investment, including all the data center building you see taking place technology innovation and a consumer that you know, it's funny all these consumer surveys where the consumer feels negative, probably because they keep seeing higher prices, but yet, even though they feel negative, oh, they just keep spending more anyway, the unemployment rate is still really low. The AI build out is significant, and that drives jobs and rents and incomes realize, though, this is a new infrastructure build out. This is substantial, just like railroads in the internet were, and companies racing not to fall behind in the AI boom, that's exactly what fuels the economy and productivity and therefore supports real estate. It's similar in spirit, to the.com boom, really, but this time, there's real revenue, and it ALL Fuels wage growth, which is an antecedent to rent growth. And by the way, have you ever noticed how economists and corporations, they're so addicted to growth in the notion of growth, that if something goes down in value, they call it negative growth. What is negative growth? That's always been a funny phrase to me. Don't you mean a decline? Negative growth? That's kind of like calling growth a positive decline. That's nonsense. Some people are allergic to saying that something is a dip or decline, so instead, they say that it's negative growth. That's sort of like how companies they don't want to say that they're undergoing a round of layoffs instead of layoffs. Oh, they say that we are right sizing. She should just tell it like it is. Now, when it comes to building your wealth, this. Say that you're more of a beginning real estate investor, say that your income from your job is 100k and you might wonder, if I add, say, five properties each with $200 a monthly cash flow, that equals $1,000 a month. That's an extra 12k per year. You know, that really isn't that much of a lifestyle difference. You know, even though there are four other ways real estate pays, let's just talk about this. That's only 12k per year, on top of 100k You know, I contend that that really does make quite a difference. Okay, if your real estate cash flow gets up to 1k a month, and you might only spend four hours a month managing that. It matters more than you think, because of your 100k of job income. All right, after all, your expenses are taken care of, like you pay for your housing, your transportation, your Trader Joe's, groceries, all of that stuff that you spend on. Well, what's left over your discretionary income? That might only be $2,000 per month. So if you add 1000 to that, that is a 50% increase in your discretionary income. What really matters? That's why real estate cash flow is actually a bigger deal than a lot of people think. You just bought back your time. This can help you replace a second job. This can let you cut back hours or even fund a sabbatical buffer for beginners. That's why even a kind of paltry sounding $1,000 a month in cash flow from, say, five rental doors that can actually be a life changer. When you get right down to it, it really starts to change your control over your time, and an extra $1,000 a month can, of course, help fuel your next investment, if you so choose. But that's not all. A psychological shift begins to happen inside you. You're no longer dependent on one income source. This is really the underrated one, because before $1,000 of real estate cash flow, a job loss that could mean stress and urgency and bad decisions, but afterward, now you have margin. Now you're making better decisions in life. You negotiate better you think longer term. That shift alone improves your entire life. And what else can just 1000 a month do for you an extra 1000, it can give you lifestyle upgrades without guilt. Let's say you do spend some of it that can fund travel without touching savings, that can give you better housing or a better location, that can give you experiences instead of a life of what feels like just bills. And here's the key, it does not cannibalize your future. Just $1,000 a month gives you options, like we say around here, don't live below your means. Grow your means. I mean, if you're a beginner, this is something that you could have in less than a year. That extra 1k that comes whether you work that day or not. And for a more advanced investor, you can imagine what multiples greater than 1k per month do. So can you see how everything compounds here? Capital compounds labor doesn't earlier, I discussed how even a 3% rent bump can increase your cash flow 18% all right, and then your cash flow has a greater impact than you thought, because it is discretionary income where a small change can make a world of difference in your life. And when you layer all these things together, it almost makes you wonder why more people aren't real estate investors. Well, most people just have not had it explained to them this way before, and then other people give up after starting in real estate because they don't buy the right property in the right market.    Keith Weinhold  34:16   Here at GRE we really help you avoid those mistakes. And in fact, let me give you an example of what I mean. This can really help. Redfin reports that national home prices have jumped up again, rising 2.1% annually, but yet, a place like Florida, they still have year over year housing price declines, not negative growth declines, and that's due to a temporary overbuild, like I've talked about before. But Cape Coral, Florida homes that area has been hit harder than most with more building than most places, they're actually down in price 3.8% it looks like an opportunity, and people say they want an opportunity. What they really want is certainty, and once certainty arrives, the opportunity is gone. Winners often embrace the heterodox. They're willing to lean into the sort of uncomfortable, mildly contrarian, awkward moment right when others are hesitating, some Florida brand new property builders. They're getting creative, and the translation to creative is that they are motivated. They're offering to throw in the kitchen sink and the backsplash. Here's one example, a duplex in Cape Coral, Florida. The listing price is 550k it's in an A class neighborhood. The rent is 3890 both sides of the duplex are already leased, six beds, four baths. It's 2474 square feet. The down payment you can expect to make is 25% the projected cash flow is up to $1,096 per month. Yeah, you've potentially got your surprisingly life changing 1k in cash flow in one fell swoop here and here's where it gets interesting, a 3.75% mortgage rate, buy down and one year of free property management. They're either giving you that or take $25,000 cash instead and structure your own advantage. All right, that's what this certain builder is offering. Now, a reputable builder, in fact, they've been a guest on the show here before. You can push the envelope a little further than that. I encourage you to make an offer below the list price on these property types. Yes, offer lower than the 550k how much lower should you go? That's where a free chat with our investment coach gives you an inside edge, because, see, they know what other offer amounts were accepted previously by these sellers, so they know where the real flexibility is, and they've got all kinds of what I'll call specific deal knowledge like this that you're just not going to find anywhere else. Our coaches can also help you with other inventory, if it better meets your personal objectives than something like a Florida new build duplex. Usually, those places are in the Midwest and South, from Ohio out to Missouri and Georgia out to Texas. In full disclosure, what I just described is a better deal than any Florida properties that I personally own myself. Now it is clearly a buyer's market in Florida. We're in that fleeting window where long term demand is strong, short term supply is high, and builders are motivated. So take the free consult, or maybe no properties are right for you. Once our coach learns more, if you're interested, we can help you structure a smart offer. Talk to us. We can help you build an entire portfolio, if you so choose, and find the right markets and properties with a management solution, we've got the team and the contacts, you can make your process easier than guessing and figuring it out on your own. Often like to leave you with something actionable at the end of the show. I encourage you, if you think it's right for you, book time with a friendly GRE investment coach@greinvestmentcoach.com you can find an open slot on their calendar and book it again@greinvestmentcoach.com Until next week, I'm your host. Keith Weinhold, don't quit your Daydream.   Speaker 4  38:54   Nothing on this show should be considered specific personal or professional advice. Please consult an appropriate tax, legal, real estate, financial or business professional for individualized advice. Opinions of guests are their own. Information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of get rich Education LLC, exclusively,   Keith Weinhold  39:14   the pre preceding program was brought to you by your home for wealth, building, get richeducation.com  

This is a new construction property in Cape Coral, FL Price $550,000 Cash Flow: $902/mo Bed: 6 Bath: 4.0 Built in 2024 Square Footage: 2474   Find more information at www.RentToRetirement.com or call 1-800-311-6781 We offer high quality, turnkey rental properties in markets that maximize cash flow, equity & appreciation! All properties are renovated, leased & managed allowing you to passively build a rental portfolio while you learn along the way. Please contact us for our full inventory, or to schedule a consultation. Rent To Retirement is your partner in achieving financial freedom through real estate investing! *Information given is to the best knowledge of Rent to Retirement. All individuals are solely responsible for conduction of their own evaluation and verifying all data related to any specific property.

This is a new construction property in Cape Coral, FL Price $550,000 Cash Flow: $999/mo Bed: 6 Bath: 4.0 Built in 2024 Square Footage: 2500   Find more information at www.RentToRetirement.com or call 1-800-311-6781 We offer high quality, turnkey rental properties in markets that maximize cash flow, equity & appreciation! All properties are renovated, leased & managed allowing you to passively build a rental portfolio while you learn along the way. Please contact us for our full inventory, or to schedule a consultation. Rent To Retirement is your partner in achieving financial freedom through real estate investing! *Information given is to the best knowledge of Rent to Retirement. All individuals are solely responsible for conduction of their own evaluation and verifying all data related to any specific property.

This is a new construction property in Cape Coral, FL Price $550,000 Cash Flow: $907/mo Bed: 6 Bath: 4.0 Built in 2024 Square Footage: 2474   Find more information at www.RentToRetirement.com or call 1-800-311-6781 We offer high quality, turnkey rental properties in markets that maximize cash flow, equity & appreciation! All properties are renovated, leased & managed allowing you to passively build a rental portfolio while you learn along the way. Please contact us for our full inventory, or to schedule a consultation. Rent To Retirement is your partner in achieving financial freedom through real estate investing! *Information given is to the best knowledge of Rent to Retirement. All individuals are solely responsible for conduction of their own evaluation and verifying all data related to any specific property.

This is a new construction property in Cape Coral, FL Price $550,000 Cash Flow: $1,096/mo Bed: 6 Bath: 4.0 Built in 2024 Square Footage: 2474   Find more information at www.RentToRetirement.com or call 1-800-311-6781 We offer high quality, turnkey rental properties in markets that maximize cash flow, equity & appreciation! All properties are renovated, leased & managed allowing you to passively build a rental portfolio while you learn along the way. Please contact us for our full inventory, or to schedule a consultation. Rent To Retirement is your partner in achieving financial freedom through real estate investing! *Information given is to the best knowledge of Rent to Retirement. All individuals are solely responsible for conduction of their own evaluation and verifying all data related to any specific property.

A teenage girl watches her world change dramatically when her close friend is hit by a car while crossing the street. N'Evaeh's friend Stella is making a recovery, but the fear and helplessness she faced drove her to do something rare: N'Evaeh put the pain into words, and sent a raw, thoughtful email to Cape Coral leaders, and found out that people will listen when the message is clear and the stakes are human.In this episode of the Cape CopCast 'Chief's Chat,' Chief Sizemore and Public Affairs Officer Lisa Greenberg talk with N'Evaeh about what sparked her advocacy, how writing can be therapeutic, and why “doing nothing is not an option” when community safety is on the line. We get into the bigger picture behind pedestrian safety and traffic safety in Southwest Florida: distracted driving, phone use while crossing the street, and how one small lapse can have a ripple effect, changing multiple lives at once. The 15-year-old's core advice is simple and hard to ignore: be aware. Look up. Put the phone down. Stay in the moment.We also zoom out to the shared responsibility that makes safer streets possible, from drivers and pedestrians to bicyclists, e-bike riders, police education and enforcement, and smarter road design and infrastructure. The conversation ends with a hopeful update on Stella's recovery and a reminder that one student voice can create real momentum.

Most entrepreneurs think the next stage of their business requires a better strategy. Dwayne Kerrigan disagrees. In Part 2 of his live keynote at the LeanScaper Operations Intensive in Cape Coral, Florida, he makes the case that what's actually required is a different identity — and that without that shift, no system, tool, or team will get you where you're trying to go. In this episode: Dwayne walks through his personal identity chart — from the "warrior" and "general" identities that ran his life for years, to the consciously designed identities he operates from today, including the Chairman, the Profit Seeker, and the Peak Performance Coach Why the Serenity Prayer became one of the most powerful business tools Dwayne ever learned — and how distinguishing what you can and can't control transformed his leadership at 32 years old, running an $18M business with 300 employees A live identity creation exercise: how to write your own eulogy for a specific business role, and why that process is the starting point for becoming who your business needs you to be The eight stages of the entrepreneur and the business lifecycle — and why understanding exactly where you are in both is critical to knowing which identity needs to show up The four economic seasons (spring, summer, fall, winter) and why Dwayne believes the landscaping industry is currently sitting somewhere between late fall and early winter 40 years of lessons learned — distilled into the principles that have shaped how Dwayne builds, leads, and recovers Episode Highlights: 00:00 - Tsunami Of Change 00:27 - Podcast Mission 00:59 - Internal Vs External 02:07 - Serenity Prayer Lesson 03:42 - Identity Chart Origins 04:32 - From Warrior To General 06:10 - Purpose And Marriage 07:47 - Building New Identities 08:48 - Chairman Identity Script 09:50 - Language And Questions 12:38 - Borrowing Role Models 13:41 - Post Fight Debrief 14:40 - Create Your Identity 16:48 - Write Your Eulogy 17:46 - Visualization And Realism 19:01 - Do The Work 19:48 - Physiology Guidelines 20:15 - Physiology and Rituals 20:57 - Energy and Emotions 22:00 - Identity Agent Tool 23:53 - Daily Identity Editing 24:56 - Future Shock and Adaptation 26:22 - Economic Seasons Framework 27:58 - Entrepreneur Stages 29:13 - Business Lifecycle Reality 31:33 - Shift Identity in 3D 31:56 - Courage and Deep Thinking 34:57 - Lessons Learned Log 37:19 - Hard Won Business Rules 40:19 - Final Fear and Farewell Resources Mentioned: Think and Grow Rich — Napoleon Hill Stephen Covey — The 7 Habits of Highly Effective People, Covey Institute Keith Cunningham — referenced as the "Rich Dad" in Robert Kiyosaki's Rich Dad Poor Dad Tony Robbins — Date With Destiny, UPW seminars Identity framework AI agent — available at The Dwayne Kerrigan Podcast: https://www.dwaynekerrigan.com/identity-framework/Quotes: “You can either be right or you can be rich, but you can't be both.” - Dwayne Kerrigan “I did this for my wife through a lot of pain and self suffering, I had to get to the point where the general just couldn't run the show anymore because it was just not sustainable.” - Dwayne Kerrigan “You don't experience the life that you live. You're experiencing the life that you focus on.” - Dwayne Kerrigan “ My greatest fear in life is on my final day to meet the man that I could have been.” - Dwayne Kerrigan Connect with Dwayne Kerrigan Facebook Instagram Linked In Website Disclaimer: The views, information, or opinions expressed by guests during The Dwayne Kerrigan Podcast are solely those of the individuals involved and do not necessarily represent those of Dwayne Kerrigan and his affiliates. Dwayne Kerrigan or The Dwayne Kerrigan Podcast is not responsible for and does not verify the accuracy of any of the information contained in the podcast series. The primary purpose of this podcast is to educate and inform. Listeners are advised to consult with a qualified professional or specialist before making any decisions based on the content of this podcast.

Cape Coral man accused of using kayak in series of car burglaries, Two tourists in Florida face felony charges after strapping dead alligator to roof rack and driving across Central Florida. Border Security Forces in India propose controversial anake and crocodile idea for Bangledesh Border PolicySee omnystudio.com/listener for privacy information.

Cape Coral man accused of using kayak in series of car burglaries, Two tourists in Florida face felony charges after strapping dead alligator to roof rack and driving across Central Florida. Border Security Forces in India propose controversial anake and crocodile idea for Bangledesh Border Policy

Most entrepreneurs don't burn out because the business gets too hard — they burn out because they never stopped being the operator. In this keynote, recorded live at the LeanScaper Operations Intensive in Cape Coral, Florida, Dwayne Kerrigan makes the case that the real battle isn't strategic, it's psychological. Until you understand the most powerful force in the human condition, no framework, system, or tool will save you. In this episode: Dwayne breaks down the operator's mindset vs. the owner's mindset — and why operators get tired while owners get rich Why your purpose has to be large enough to keep you out of "the tyranny of how" — the trap that pulls owners back into the weeds The identity principle Dwayne calls the single most important lesson from 10+ years at Tony Robbins' side: the most powerful force in the human condition is to remain congruent with how we identify ourselves The event–meaning–emotion–behavior chain, and how changing the meaning you attach to an event changes your results How physiology, language, and focus (the triad) function as your meaning-making filter — and how to use them to access empowering states more consistently Episode Highlights: 00:00 - Purpose Over How 00:27 - Podcast Welcome 00:59 - Event Introduction 02:53 - Dwayne Takes Stage 04:12 - Finding The Why 05:40 - Mentors And Lessons 08:58 - Business Root Causes 11:55 - Operator Vs Owner 14:48 - Core Values And Purpose 19:37 - Identity Drives Action 21:20 - Bus Fight Identity Shift 24:14 - Reframing a Past Bully 25:17 - Identity and No Negotiation 25:51 - Procrastination Becomes Identity 27:47 - Event Meaning Emotion Loop 31:34 - The Triad Explained 32:45 - Physiology Power Positions 36:31 - Energy Thermostat and Mirroring 40:47 - Language Questions Shape Reality 45:21 - Focus Habits and Meaning 47:49 - Closing Thanks and Disclaimer Resources Mentioned: The 7 Habits of Highly Effective People — Stephen Covey Keith Cunningham — referenced as the "Rich Dad" in Robert Kiyosaki's Rich Dad Poor Dad Tony Robbins — Platinum Partners immersion program Simon Sinek — referenced in the context of finding your why John Grinder — creator of NLP, mirroring and matching technique LMN (Landscape Management Network) — referenced by Dwayne and Mark Bradley Quotes: “Taking your passion and turning it into a business is usually not a good wealth strategy.” - Dwayne Kerrigan “If you stand like this for 10 minutes a day, it will increase your testosterone 20%. You can look this up. This is true 20%. It'll increase your testosterone. If you stand like this, it will reduce your cortisol from anywhere from 23 to 25% and it will increase the odds of you being able to make a decision by 33%.” - Dwayne Kerrigan “I'm in the ground and I'm down there and I'm like, and I remember thinking, and through the course of this whole thing, this whole event, is that I am never, ever going to get beaten up again. "From that day forward, I started working out…” - Dwayne Kerrigan “The most powerful force in the human condition is to remain congruent with how we identify ourselves.” - Dwayne Kerrigan “Change the meaning, change the emotion, change your life.” - Dwayne Kerrigan “Operators get tired and owners get rich.” - Dwayne Kerrigan Connect with Dwayne Kerrigan Facebook Instagram Linked In Website Disclaimer: The views, information, or opinions expressed by guests during The Dwayne Kerrigan Podcast are solely those of the individuals involved and do not necessarily represent those of Dwayne Kerrigan and his affiliates. Dwayne Kerrigan or The Dwayne Kerrigan Podcast is not responsible for and does not verify the accuracy of any of the information contained in the podcast series. The primary purpose of this podcast is to educate and inform. Listeners are advised to consult with a qualified professional or specialist before making any decisions based on the content of this podcast.

In this episode, recorded live at LeanScaper in Cape Coral, I sit down with Brad Stephenson of New Castle to talk about building leaders and replicating your leadership team. We dive into how to develop people from within, create systems that scale leadership, and transition from being the operator to building a team that can run the business alongside you.

We have a new sponsor on the Real Estate Espresso podcast. If you've been listening to the show for a while, you'll know that we have rarely had any sponsored content at all. That's intentional. We've had plenty of offers to sponsor the show. Our sponsor is The Cost Seg Guys. If you own investment real estate and haven't looked seriously at cost segregation, you could be leaving significant tax savings on the table. The Cost Seg Guys help investors accelerate depreciation, improve near-term cash flow, and make more efficient use of capital, all without changing the underlying asset. In a business where preserving cash matters, that's worth paying attention to. If you're interested in learning more, send an email to podcast@victorjm.com and put Cost Seg in the title and see whether your property qualifies. I can tell you from first hand experience, that cost segregation can be a low cost high value exercise. Send an email to podcast@victorjm.com and put Cost Seg in the title.------------Today we're taking a hard look at the current state of real estate inventory in Cape Coral, Florida, and more importantly, what those numbers actually mean for investors. We looked at Cape Coral specifically last year as a bell-weather for markets across the sunbelt. At the time, there was a huge spike in inventory. It's time for an update. Because when people hear that inventory is falling, the natural instinct is to think the market is tightening and prices are about to run. That is not always true. Sometimes falling inventory means homes are selling. Sometimes it means sellers are simply giving up and pulling properties off the market. ------------**Real Estate Espresso Podcast:** Spotify: [The Real Estate Espresso Podcast](https://open.spotify.com/show/3GvtwRmTq4r3es8cbw8jW0?si=c75ea506a6694ef1)   iTunes: [The Real Estate Espresso Podcast](https://podcasts.apple.com/ca/podcast/the-real-estate-espresso-podcast/id1340482613)   Website: [www.victorjm.com](http://www.victorjm.com)   LinkedIn: [Victor Menasce](http://www.linkedin.com/in/vmenasce)   YouTube: [The Real Estate Espresso Podcast](http://www.youtube.com/@victorjmenasce6734)   Facebook: [www.facebook.com/realestateespresso](http://www.facebook.com/realestateespresso)   Email: [podcast@victorjm.com](mailto:podcast@victorjm.com)  **Y Street Capital:** Website: [www.ystreetcapital.com](http://www.ystreetcapital.com)   Facebook: [www.facebook.com/YStreetCapital](https://www.facebook.com/YStreetCapital)   Instagram: [@ystreetcapital](http://www.instagram.com/ystreetcapital)  

In this special episode, recorded at the Leanscaper event in Cape Coral, Brian sits down with Luke Gribble from John Deere to discuss where the equipment industry is headed. From innovation in mowing and compact construction equipment to fleet connectivity, and John Deere Financial, we break down how modern contractors are using equipment and technology to grow faster and work smarter. If you're building a landscaping, snow, or outdoor services business, this conversation gives you a behind-the-scenes look at how one of the most iconic equipment brands is supporting the next generation of contractors. Links mentioned in the episode: Landscaping Focused John Deere Financial Page - https://www.deere.com/en/finance/financing/landscaping-grounds-care/commercial-equipment/ Webinar with Marty Grunder on Financing - https://www.youtube.com/watch?v=TKvL5R_SMlk Free Webinar with Attentive.ai - Saturday, March 28 at 8:00 am Eastern Lawntrapreneur Academy (The #1 Resource for Starting, Growing and Scaling a Successful Lawn & Landscaping Company) https://www.lawntrepreneuracademy.com/ Book a Granum Demo (use BRIAN25 to save!) https://www.Granum.com/Brian LMN & Coffee https://us06web.zoom.us/j/89495679453?pwd=m0wKa6prJWrARKClJKolBaJjl00OYn.1 Coast Pay Fuel Card https://www.CoastPay.com/Brian

Reach Out Via Text!Derek Clelan went from filing bankruptcy at 24 to building one of the fastest-growing landscape design firms in the country — and he did it in just three years. In this conversation recorded live at LeanScapers in Cape Coral, Jeremiah sits down with Derek to unpack the origin story of Your Haven Design, how they completed 1,500 designs for over 400 contractors across the US, UK, and Canada in a single year, and why design isn't just a deliverable — it's a sales tool, an estimating tool, and a feedback loop all in one. They dig into Your Haven's membership model, how AI is creeping into the design workflow (without replacing the humans doing the actual work), and the bold plan to build a full Design Academy that trains and employs the next generation of landscape designers. If you're a contractor on the fence about adding design to your process, this one will settle it.Support the show10% off LMN Software- https://lmncompany.partnerlinks.io/growinggreenpodcastSignup for our Newsletter- https://mailchi.mp/942ae158aff5/newsletter-signupBook A Consult Call-https://stan.store/GrowingGreenPodcastLawntrepreneur Academy-https://www.lawntrepreneuracademy.com/The Landscaping Bookkeeper-https://thelandscapingbookkeeper.com/Instagram- https://www.instagram.com/growinggreenlandscapes/Email-ggreenlandscapes@gmail.comGrowing Green Website- https://www.growinggreenlandscapes.com/

Reach Out Via Text!What happens when a college kid with zero landscaping experience, a co-signed truck, and 30 days to make his first payment decides to bet on himself? You get one of the most honest, hard-won stories in the green industry.In this episode, recorded live at the Landscaper Revenue Intensive in Cape Coral, Florida, host Jeremiah Jennings sits down with Jeremy Talboy of North Georgia Landscape Management for a raw, no-highlights-reel conversation about what it actually takes to build a landscaping company from scratch.Jeremy T. opens up about scaling from $1M to $5M in under two years — only to accumulate staggering debt, lose operational control, and nearly watch it all fall apart. He shares how he hit the brakes, installed real systems, plugged the holes, and clawed his way back to sustainable growth approaching $8.5M.In this episode:Why starting during a recession was actually a hidden advantageThe moment a co-signed truck made entrepreneurship feel realHow rapid growth without systems nearly destroyed the businessBuilding commercial maintenance from zero — and losing money to win market shareThe power of communication with lenders, clients, and your team when things go sidewaysWhy documenting the lows matters just as much as celebrating the winsWhether you're just starting out or you're stuck in the messy middle, this one will remind you: you're not alone and the path forward is always through, never around.Signup for our free Ops Event on April 10- https://www.eventbrite.com/e/1980729312694?aff=oddtdtcreatorSupport the show10% off LMN Software- https://lmncompany.partnerlinks.io/growinggreenpodcastSignup for our Newsletter- https://mailchi.mp/942ae158aff5/newsletter-signupBook A Consult Call-https://stan.store/GrowingGreenPodcastLawntrepreneur Academy-https://www.lawntrepreneuracademy.com/The Landscaping Bookkeeper-https://thelandscapingbookkeeper.com/Instagram- https://www.instagram.com/growinggreenlandscapes/Email-ggreenlandscapes@gmail.comGrowing Green Website- https://www.growinggreenlandscapes.com/

In this episode of the Cape CopCast 'Chief's Chat,' we're talking about a horrific murder case that rocked Cape Coral in the '70s and still shapes our community today. It's been 50 years since nine-year-old Jason Verdow was lured at his bus stop, kidnapped, assaulted, and murdered in 1976. It's a case that challenges the old "stranger danger" stereotype and highlights that predators don't always look like how we would imagine.From there, we bring the conversation into 2026 parenting reality: online safety, gaming headsets, and the slow pressure tactics that grooming often relies on. We talk about what to say to your kids in plain language, how to set boundaries without banning everything, and why monitoring chats matters for bullying, threats, and escalating behavior. If you've ever wondered how to translate “be careful online” into specific rules your child can actually follow, this is the practical playbook.We also share a clear example of technology used for good: real-time crime center coordination, license plate readers, and OnStar tracking that helped lead to a quick arrest and the removal of drugs and a gun from the street. Finally, we highlight community events we care about, including the NAMI walk and how crisis intervention training (CIT) helps us respond better to mental health crises, plus the annual candlelight ceremony that supports survivors through grief with connection and remembrance.

Manifestaciones de exiliados cubanos en Kentucky, Cape Coral y Miami exigen el fin del régimen y la libertad del pueblo en Cuba

We are celebrating National FFA week by sharing about famous past members to news of a new Florida invasive species, learn about Tigger auctioneering overseas plus what to know regarding international travel and tips to stay safe! Join radio hosts Rebecca Wanner aka ‘BEC' and Jeff ‘Tigger' Erhardt (Tigger & BEC) with the latest in Outdoors & Western Lifestyle News! Season 6, Episode 278 Famous FFA Alumni Who Shaped America The National FFA Organization has produced leaders in business, politics, science, and entertainment. FFA builds skills in leadership, public speaking, agriculture, and community service. Notable FFA Alumni Jeff “Tigger” Erhardt (Alumni and Honorary Chapter FArmer, FFA Livestock Judging Coach): National Radio Show Host, New Broadcaster, PRCA Announcer. 39th President Jimmy Carter Johnny Cash Charlie Daniels John Mellencamp Willie Nelson Don Henley of The Eagles George Strait Cody Johnson Tim McGraw Taylor Swift Bo Jackson (Sports Legend) Brantley Gilbert Trace Adkins Easton Corbin Chancey Williams Jim Davis - Creator of the Garfield comics! Lane Frost Tuff Hedeman Baxter Black Reference: https://ffa.app.box.com/s/6pe6an7rgm9c042tbkbobqc8tuu0o1hz South Florida Faces Growing Threat from Invasive Nile Monitors A new invasive predator is spreading in South Florida — and it's a big one. The Nile monitor, a six-foot-long lizard native to Africa, is gaining ground in parts of the state. Wildlife officials say the species poses a serious threat to native animals, and it can now be killed year-round without a permit. Known for tackling invasive reptiles, trapper Mike Kimmel — also called the Python Cowboy — describes the Nile monitor as “like a python mixed with an iguana.” They're powerful, intelligent predators, similar to a smaller Komodo dragon. On Florida's west coast, especially in Cape Coral, biologists have been battling the species for nearly 20 years. Hundreds have been trapped, but pockets remain. That's concerning because Cape Coral is also home to Florida's largest population of the threatened Burrowing owl, which nests in the ground — making it vulnerable to predators like the Nile monitor. These lizards are carnivores. They eat fish, frogs, birds, eggs, small mammals — even young crocodiles — and have been known to attack chickens and small pets. They can grow up to 6.5 feet long, weigh nearly 20 pounds, run up to 18 miles per hour, and swim underwater for nearly an hour. Their ability to travel along canals and waterways has helped them spread. The Florida Fish and Wildlife Conservation Commission is actively removing Nile monitors and urges residents to report any sightings. Wildlife officials warn: this is one invasive species South Florida can't afford to ignore. Reference: https://www.outdoorlife.com/conservation/florida-newest-invasive-nile-monitors/ What To Do To Minimize Stress About International Travel and “Shelter In Place” Warnings Last weekend Americans were told to shelter in place following a Mexican drug lord's death on Feb. 22, 2026. As a result, parts of Mexico have seen civil unrest in the wake of his death, including vehicles being torched and gunmen, believed to have supported the deceased, blocking highways in more than a dozen Mexico states. This is a great reminder that anytime traveling beyond the U.S. borders to utilize the Smart Traveler Enrollment Program (STEP), a free service to U.S. citizens and nationals to enroll a trip abroad so that the Department of State can accurately and quickly contact in case of emergency. Benefits of STEP Updates about health, weather, safety and security for your destination. Plan ahead using information from the local U.S. embassy. Helps the embassy or consulate contact you if there is an emergency like a natural disaster, civil unrest, or a family emergency. Current Status: According to the U.S. Embassy & Consulates in Mexico website. Actions to Take: Seek shelter and minimize unnecessary movements. Avoid areas around law enforcement activity. Check @CAPUFE on X for status of road closures. Monitor local media for updates. Follow the directions of local authorities and in case of emergency, call 911. Keep family and friends advised of your location and well-being via phone, text, and social media. How To Be Travel Prepared Traveling abroad: Register in the Smart Traveler Enrollment Program. Pack snacks such as microwave popcorn and small snacks. Stock your hotel room with extra bottled water and individually packaged snacks. Advise family and friends of location, length of trip and emergency contact information. Travel with extra medications as well as over the counter aides such as cold and fever meds. Philippines During this episode we learn how radio host, Jeff "Tigger" Erhardt", traveled to the Philippines for auctioneering. Tigger is a licensed and bonded auctioneer, with over 20 years experience. The Philippines was a new venture for Tigger and he shares in-depth the difference between American Auctions vs International and then selling Heavy Equipment in a foreign currency. Quick Philippines Travel Summary The Philippines are located in Southeast Asia, in the western Pacific Ocean and consist of over 7,100 islands. Positioned east of Vietnam and north of Indonesia. Capital: Manila Currency: Philippine Peso (PHP). Cash is king outside major cities. Language: Filipino and English Best Time to Visit the Philippines There are two main seasons. Dry Season: November–May (best time, especially Dec–April) Rainy Season: June–October (typhoons possible) Philippines Travel Tips Recommend drinking only bottled or filtered water. Street food is popular but choose busy vendors. Consider routine vaccines (consult your doctor). Sun protection is essential - climate is very humid and hot. OUTDOORS FIELD REPORTS & COMMENTS We want to hear from you! If you have any questions, comments, or stories to share about bighorn sheep, outdoor adventures, or wildlife conservation, don't hesitate to reach out. Call or text us at 305-900-BEND (305-900-2363), or send an email to BendRadioShow@gmail.com. Stay connected by following us on social media at Facebook/Instagram @thebendshow or by subscribing to The Bend Show on YouTube. Visit our website at TheBendShow.com for more exciting content and updates! https://thebendshow.com/ https://www.facebook.com/thebendshow WESTERN LIFESTYLE & THE OUTDOORS Jeff ‘Tigger' Erhardt & Rebecca ‘BEC' Wanner are passionate news broadcasters who represent the working ranch world, rodeo, and the Western way of life. They are also staunch advocates for the outdoors and wildlife conservation. As outdoorsmen themselves, Tigger and BEC provide valuable insight and education to hunters, adventurers, ranchers, and anyone interested in agriculture and conservation. With a shared love for the outdoors, Tigger & BEC are committed to bringing high-quality beef and wild game from the field to your table. They understand the importance of sharing meals with family, cooking the fruits of your labor, and making memories in the great outdoors. Through their work, they aim to educate and inspire those who appreciate God's Country and life on the land. United by a common mission, Tigger & BEC offer a glimpse into the life beyond the beaten path and down dirt roads. They're here to share knowledge, answer your questions, and join you in your own success story. Adventure awaits around the bend. With The Outdoors, the Western Heritage, Rural America, and Wildlife Conservation at the forefront, Tigger and BEC live this lifestyle every day. To learn more about Tigger & BEC's journey and their passion for the outdoors, visit TiggerandBEC.com. https://tiggerandbec.com/

Let's set the record straight. In this episode of the Cape CopCast 'Chief's Chat,' we break down how our department can be fully staffed today and still need to grow to protect response times and service quality tomorrow. Using independent urban growth modeling and clear performance metrics, we walk through Project 35—our 10-year roadmap that aligns people, places, and gear with real population trends rather than guesswork. You'll hear how we translate complex forecasts into practical steps city leadership and residents can understand and support.We dig into the headline-grabber—“we could use 57 more people today”—and explain why that number reflects future capacity needs, not current vacancies. Think of it like this: the bucket (authorized positions) is full, but the city keeps pouring in. To keep service consistent per resident, we need a bigger bucket, not because of turnover or culture issues, but because growth is accelerating. That's why a steady ramp of 20 to 30 officers per year makes sense; it preserves hiring standards, training quality, and the culture that keeps great people here.We also talk about where to get reliable information in a landscape filled with rumor and hot takes. Primary sources matter: our official channels, website, and credentialed news outlets. And we're showing up where you are—'Coffee with a Cop' at high-traffic spots like Target and at local cafes and churches—so you can ask anything and meet the people behind the badge on good days, not just tough ones. Rounding things out, we spotlight upcoming community events and invite you to our Financial Crimes Town Hall, where detectives share the latest scams, prevention tips, and how to report effectively. (More info here).If you value fast response, professional service, and a department rooted in strong culture and accountability, this conversation lays out exactly how we plan to keep it that way as Cape Coral grows. 

Send a textIn this episode, Tyler and Jimmy start by sharing a few stories over the last couple of weeks, talk about other sports and what's been going on. They then go over the latest pickleball tournament that just happened in Cape Coral and preview the next tournament in Mesa. They end with a Q+A with questions from the fans, SO don't forget to send us your questions!  Let us know what we should cover on the pod in future episodes and who we should get on, thanks for following along!—————————Go Fund me Grayson Goldin: https://www.gofundme.com/f/support-graysons-unexpected-medical-expenses-and-recoveryWebsite: https://www.tylerloong.com/ Use Code "KOTC0126” for Huge Savings at Pickleball Central: https://pickleballcentral.com/ Use Code "KOTC" for $100 Savings on C&D Pickleball Nets: https://bestpickleballnets.com/ Use Code "KOTC" for Big Savings on Vulcan Gear: https://vulcansportinggoods.com/pagesCode “KOTC” for insane discounts at: clubpickleballmastermind.comUse Code ‘KOTC' for a great discount online at: clubpickleballshop.comKOTC Merch - Use “KOTC” kitchpickleball.comNEW KOTC DISCORD https://discord.com/invite/kNR65mBemfNEW KOTC CAMEOhttps://www.cameo.com/morekotcInstagram: Tyler's IG - @tyler.loong  Jimmy's IG - @jimmymiller_pbKOTC IG - @morekingofthecourt  Facebook: / tyler.loong   --0:00 Introduction 1:27 Club Pickleball Mastermind3:20 Kitch Pickleball/PPA Pickleball Codes 3:59 Cameo 4:15 Storytime with Jimmy Miller12:41 ALW at Super Bowl24:02 C&D Pickleball Nets 26:43 Withdrawal Fines/Punishments 35:00 PPA Cape Coral 36:38 Prayers for Grayson Goldin - https://www.gofundme.com/f/support-graysons-unexpected-medical-expenses-and-recovery39:03 PPA Cape Coral Ctd. 58:06 Vulcan 1:00:42 Stack Athletics1:01:07 PPA Mesa Preview 1:04:11 Q&ASupport the show

In this episode of the FiveMinute Playbook, we sit down with Brittany, a top-performing real estate agent in Cape Coral, Florida, to uncover the daily habits and mindset shifts that drive her success. Brittany shares practical strategies that every real estate professional can use to grow their business—quick, actionable tips you can implement today.Originally from Randolph, New Jersey, and raised in Southwest Florida, Brittany has been a full-time real estate professional since 2018. Driven by ambition, passion, and a genuine commitment to her clients, she has helped buyers, sellers, and investors navigate all types of transactions while making sure they feel supported and protected every step of the way.Brittany serves Lee County, Collier County, and Charlotte County, and is known for giving 110% in every transaction, ensuring her clients enjoy a smooth, stress-free experience.✅ What you'll learn in this episode:Brittany's unskippable daily habits that move the needle in real estateMindset shifts that eliminate self-disappointment and boost consistencyHow to master cold calling, door knocking, and handling objectionsThe importance of role-playing with other agents to sharpen your skillsTips to stay consistent and productive, even when motivation fadesFollow Brittany on Instagram: @brittanymccormackrealtorIf you're a real estate agent looking for actionable strategies, accountability, and insights from someone actively crushing it in the field, this episode is packed with advice to help you show up, take action, and grow your business.

This is a new construction property in Cape Coral, FL Price $550,000 Cash Flow: $1,322/mo Bed: 6 Bath: 4.0 Built in 2024 Square Footage: 2500   Find more information at www.RentToRetirement.com or call 1-800-311-6781 We offer high quality, turnkey rental properties in markets that maximize cash flow, equity & appreciation! All properties are renovated, leased & managed allowing you to passively build a rental portfolio while you learn along the way. Please contact us for our full inventory, or to schedule a consultation. Rent To Retirement is your partner in achieving financial freedom through real estate investing! *Information given is to the best knowledge of Rent to Retirement. All individuals are solely responsible for conduction of their own evaluation and verifying all data related to any specific property.

This is a new construction property in Cape Coral, FL Price $550,000 Cash Flow: $1,031/mo Bed: 6 Bath: 4.0 Built in 2024 Square Footage: 2500   Find more information at www.RentToRetirement.com or call 1-800-311-6781 We offer high quality, turnkey rental properties in markets that maximize cash flow, equity & appreciation! All properties are renovated, leased & managed allowing you to passively build a rental portfolio while you learn along the way. Please contact us for our full inventory, or to schedule a consultation. Rent To Retirement is your partner in achieving financial freedom through real estate investing! *Information given is to the best knowledge of Rent to Retirement. All individuals are solely responsible for conduction of their own evaluation and verifying all data related to any specific property.

Ready to change how a towing company grows, leads, and earns trust? We sit down with Jeff Bauer, president of Cardinal Legacy Group, to unpack how a small A-to-B operation modeled itself after local giants, then earned the chance to carry those legacies forward through disciplined acquisitions in St. Louis, Kansas City, and Naples. The story isn't just expansion—it's the playbook behind it: align people to strengths, train for leadership at every level, and protect an industry's reputation with daily, repeatable standards.Jeff takes us inside the system that powered the jump from 11 trucks to a regional footprint. We dive into the leadership retreat in Cape Coral—two days focused on conflict resolution, temperaments, and practical tools influenced by John Maxwell's principles. You'll hear how a 10-minute survey saved a career by moving a struggling service writer into a high-performing accounting role, why blind spots quietly cap performance, and how to turn big-picture vision into steps your team can execute. It's real talk about culture, safety, dispatch under pressure, and the habits that make professionalism visible to customers and partners.We also connect the dots between values and growth. 2019's $10M milestone became north of $60M within five years by multiplying leaders, not just locations. That kind of scale demands clear hiring profiles, onboarding that teaches judgment, and managers who coach rather than micromanage. Whether you run light-duty recoveries, heavy-duty rotations, or a service business outside towing, you'll find a framework for building trust, reducing turnover, and delivering consistent results.If you're ready to remove blind spots, give your team a path, and lead with integrity, press play—and then share this with a manager who's ready for the next level. Explore upcoming dates at CardinalLegacyTowing.com/backslash events, check our free deep dives on the American Towing and Recovery Institute YouTube channel, and subscribe to catch new trainings and conversations as they drop. Your move: what leadership habit will you build this week?

Send us a textFlorida didn't just thaw us out—it rewired how we explore. We landed in Fort Myers with a loose plan and a lot of curiosity, then let geolocation games, local tips, and a few bold choices turn a winter weekend into a highlight reel of hidden gems. We chased the oldest geocache in Florida through a recently burned Everglades trail, watched smoke curl above the path, and laughed about the gators we didn't see. A quick prompt led us to the Edison and Ford Winter Estates, where the free grounds—lined with giant banyan trees and quiet labs—outshone the ticketed tour. And downtown delivered: Ford's Garage set the tone with gas pump door handles, tire sinks, and food that was way more than a gimmick.The Munzee community made the trip sing. We walked pristine park loops, mirrored sunsets on still water, and witnessed a crowning moment as Colecracker7 became the world's new number one. The hosts nailed the details: creative name tags, a “how did you get your handle” roll call, and a bingo card that turned strangers into fast friends. We put the new VACs feature to work and felt the difference—safer in cars, easier during walks, and perfect for travelers stacking caps across the city. By Sunday, the totals told the story: 5.1 million points in four days and a leaderboard bump that felt earned.Play followed us everywhere. Nice Guys Pizza glowed with blacklight art and a wall of pinball machines where a surprise upset changed our arcade pecking order. Millennial Brewing's mural tour jumped from DeLorean to Millennium Falcon, and for the first time, we all ordered the same sour. Then came Jungle Bird Tiki, a bamboo-wrapped oasis with generous pours in tall ceramic mugs, LED vines overhead, and food that kept us talking. It was the perfect landing spot to trade notes, plan the next event, and appreciate how Fort Myers and Cape Coral reward people who explore by foot, by app, and by appetite.If this journey gives you ideas, hit play and take notes. Subscribe, share the episode with a friend who loves hidden gems, and leave a quick review so more travelers can find their way to the good stuff. Where should we hunt for treasures next?Support the showFacebookInstagramYoutube

In this episode of the Cape CopCast, we invited Sergeant Morgan Mills and Officer Steven Klackowicz to pull back the curtain on day shift patrol in Cape Coral—where a quiet morning can turn into a hot call in seconds, and a “slow” precinct like the Northwest becomes a laboratory for proactive policing. From the first moments of roll call to the final report, they walk us through the real workflow that keeps a city safe.You'll hear how precincts shape the job: Southeast pulses with bar traffic and back‑to‑back calls, while the Northwest's residential stretch allows targeted patrols, traffic enforcement on Burnt Store Road, and community touchpoints that prevent crime before it starts. We unpack the top daytime calls—vehicle crashes and overnight vehicle burglaries discovered at dawn—and the triage that determines who gets help first. There's practical advice here for residents too: when a phone report beats waiting on scene, why locking cars at night still matters, and how traffic visibility aims to educate, not just cite.The conversation turns inside the perimeter on a recent armed robbery response: securing the scene, setting a perimeter, spinning up UAV and aviation support, and carefully transitioning to detectives and forensics once the scene stabilizes. It's a choreography that looks static from the outside but protects lives and preserves evidence. Along the way, Sergeant Mills shares the view from the supervisor seat—approvals, mentoring, and trusting experienced officers—while Officer Klakowicz highlights a culture of problem solving that keeps the whole shift moving. The human thread ties it together: officers working overtime, parents juggling schedules, people managing stressful moments at crash scenes. When both sides bring patience and grace, service is faster, safer, and better.

In this episode of the Cape CopCast 'Chief's Chat,' Chief Sizemore explains how we're scaling the department to match the city's rapid growth. Over five years, we've onboarded hundreds and promoted 70 people, pushing the limits of span of control. To maintain quality, accountability, and training, Patrol is moving from a Bureau within the Police Operations Division to its own Division led by a Deputy Chief. This structure isn't red tape—it's how we sustain faster response, stronger supervision, and safer outcomes as call volume rises. Cape Coral is booming, calls are up, and we're building the capacity to keep you safe.We also talk about a recent clip on the news that showed an older couple wandering onto someone's property while they weren't home, and a headline that suggested “police can't do anything.” We break down the real process for Trespassing in plain English: what counts as notice, what “trespass after warning” means, when loitering and prowling fit, and how signage or pre‑authorization changes what officers can do on scene. We also touch on the e‑bike surge sweeping Cape Coral. The hardware matters—some “e‑bikes” are actually motorcycles under the law—but the bigger issue is behavior. From kids riding four abreast and blocking lanes to filming stunts in traffic, the risk is real. After rounds of education, we've shifted to enforcement: citations for blocking the road and helmet violations, and in serious cases, fleeing and eluding charges when riders bolt from a lawful stop. Parents, we share practical steps to check your child's vehicle classification, set clear rules of the road, and prevent the kind of crash or confrontation that changes everything.

Ready for leadership you can actually use on a busy Tuesday? We sat down with Lieutenant Kyle from Wentzville, Missouri to unpack conflict resolution, trust-building, and communication habits that turn stressful moments into steady results. Drawing from policing and the towing industry, we explore how relationships—not checklists—carry teams through change, and how small, consistent actions create a culture where people feel heard, prepared, and accountable.We break down conflict resolution as a proactive practice: give high performers a voice, set expectations in plain language, and use brief debriefs to convert chaos into learning. Trust becomes measurable when leaders align words and actions, close loops publicly, and build inclusive routines that invite input before decisions harden. If you've ever rolled out a change and watched it stall, you'll get a simple framework for communicating the why, setting 30-60-90 milestones, and shipping quick wins that show progress without burning people out.This conversation also zooms out to personal growth. We talk about writing a one-page vision, choosing three skills to build, and running a weekly review that keeps motivation alive after the kickoff fades. Whether you manage a tow fleet, run a shop, or lead a small business with a handful of trucks, these tools translate to the field, the office, and home. And if you're ready to go deeper, we share details on the Trailblazer Leadership Retreat in Cape Coral—two focused days on communication, change leadership, and building high-performing teams with experts from law enforcement, private sector, and nonprofit leadership.Subscribe to the show, share this episode with a teammate, and tell us the one leadership skill you'll build first this year. Your feedback shapes future guests and topics—leave a review and join the conversation.

The 2025 NVP Product Expo, hosted by Drag Specialties (in partnership with Parts Unlimited), took place at the Baird Center in Milwaukee on September 6–7. This marked the second straight year the event was held in Milwaukee after relocating from Madison, reflecting continued growth and a need for larger exhibition space. SUPPORT US AND SHOP IN THE OFFICIAL LAW ABIDING BIKER STORE The NVP isn't just a trade show — it functions as a showcase of the latest aftermarket products and accessories for powersports enthusiasts and dealers. Attendees got a first look at new offerings from some of the biggest names in the industry, with the expo floor doubling as a hands-on venue for vendor–dealer interaction, product demonstrations, and dealer-training sessions CHECK OUT OUR HUNDREDS OF FREE HELPFUL VIDEOS ON OUR YOUTUBE CHANNEL AND SUBSCRIBE! Beyond business, the 2025 NVP also emphasized community and culture. The schedule included a bike show — featuring builds across vintage, metric and V-twin classes — a meet-and-greet with key industry figures, and additional perks like show discounts, dealer incentives, Sunday giveaways, and a "bagger bike build-off." All told, the NVP delivered value, excitement, and connection for dealers and enthusiasts alike. NEW FREE VIDEO RELEASED: Don't Be THAT Rider: T-Shirts vs. Hot Weather Riding Jackets! The TRUTH! Alpinestars Troop Air Hot Weather Riding Jacket Sponsor-Ciro 3D CLICK HERE! Innovative products for Harley-Davidson & Goldwing Affordable chrome, lighting, and comfort products Ciro 3D has a passion for design and innovation Sponsor-Butt Buffer CLICK HERE Want to ride longer? Tired of a sore and achy ass? Then fix it with a high-quality Butt Buffer seat cushion? If you appreciate the content we put out and want to make sure it keeps on coming your way then become a Patron too! There are benefits and there is no risk. Thanks to the following bikers for supporting us via a flat donation: Paul Bartley of Sharpsburg Georgia Bryan Rogers of Cape Coral, Florida Randy Moore of Fair Lawn, New Jersey HELP SUPPORT US! JOIN THE BIKER REVOLUTION! #BikerRevolution #LawAbidingBiker #Bikaholics #RyanUrlacher

Keith reviews the state of the real estate market, noting that existing home sales are down about 33% from their 2021 peak, while prices remain firm due to low supply and high demand.  Affordability challenges are driven by stagnant wages, inflation, and higher mortgage rates, with 70% of mortgage holders still locked in at rates below 5%.  He observes that in certain markets, new construction may now offer better investor terms than comparable existing properties, especially where builders buy down rates.  The episode highlights a comparison of nearly a century of asset class returns, reporting real estate's long-term annual appreciation at approximately 4.7%. Episode Page: GetRichEducation.com/583 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  1-937-795-8989 to speak with a freedom coach 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 or text 'GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation   Complete episode transcript: Keith Weinhold  0:01   welcome to GRE. I'm your host. Keith Weinhold, how do other audiences feel about the GRE mantras that we've come to love here, like financially free beats debt free and don't get your money to work for you? Then sometimes it's not what you're attracted to in life, but what you're running away from finally comparing the returns from six major asset classes over the past century all today on get rich education    Keith Weinhold  0:29   since 2014 the powerful get rich education podcast has created more passive income for people than nearly any other show in the world. This show teaches you how to earn strong returns from passive real estate investing in the best markets without losing your time being a flipper or landlord. Show Host Keith Weinhold writes for both Forbes and Rich Dad advisors, and delivers a new show every week since 2014 there's been millions of listener downloads of 188 world nations. He has a list show guests include top selling personal finance author Robert Kiyosaki, get rich education can be heard on every podcast platform, plus it has its own dedicated Apple and Android listener phone apps build wealth on the go with the get rich education podcast. Sign up now for the get rich education podcast or visit get rich education.com   Corey Coates  1:18   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  1:34   Welcome to GRE from Kennebunkport, Maine to Bridgeport, Connecticut and across 188 nations worldwide. It is the voice of real estate investing since 2014 I'm Keith Weinhold, and I'm grateful to have you here with me, and we're doing something a little different today, as you'll soon listen in to me as I was on the hot seat being interviewed on another prominent real estate show. But first, when you pull back and ask yourself, why you're really an investor in the first place? There are so many reasons. Maybe you just want a few properties in order to supplement your day job income. Maybe you want to have more than a few so that you can completely replace that active income, or perhaps rather than going the route of building up your cash flow, which is valid, but some think that it's the only way to real estate financial freedom. Instead, you could own, say, nine doors or 22 doors, and even if they all had zero cash flow, you can just keep borrowing against that leverage and equity tax free and live off of that whatever you do when it comes to your day job, income, your degree of disdain for your nine to five job that is going to be greater or less than it is for some others. So your motivation for self improvement, it isn't always about what you're running to in life, which could be real estate investing, but it's also what you're running away from, especially if you don't get a deeply rooted sense of meaning from your job. So you could have both a push factor and a pull factor in what motivates you. There's a scene from the 1999 movie Office Space that just does this incredibly unvarnished job of saying out loud how so many of us feel today. What I'm going to share with you, I mean, you know that you have felt this at least once in your life. Office space wasn't supposed to be a mega hit movie, but it kind of was, because it's so relatable. Let's listen in to part of this clip. This is Ron Livingston playing a disgruntled male employee talking to Jennifer Aniston at a restaurant about his job in the movie Office Space.   Speaker 1  4:09   I don't like my job, and I don't think I'm gonna go anymore. You're just not gonna go. Yeah, won't you get fired? I don't know, but I really don't like it, and I'm not gonna go.   Keith Weinhold  4:24   Then it continues when she asks. So you're just gonna quit? No, not really. I'm just gonna stop going. When did you decide all of that? About an hour ago? Really? Yeah, aren't you going to get another job? I don't think I'd like another job. What are you going to do about money in bills and all that? I've never really liked paying bills. I don't think I'm going to do that either.   Keith Weinhold  4:53   That's it. That is the end of that classic dialog from office space that we can. All relate to you did not wake up to be mediocre, but a lot of people's jobs pummel them into a rather prosaic state. You were born rich because you were born with this abundance of choices, this huge palette in menu, but society often stifles that and makes you forget it, and it gets really easy to just fall into your groove and stay there. The main reason we aren't living our dreams is really because we're living our fears. Failure doesn't actually destroy as many dreams as people think fear and doubt. Does fear and doubt destroy more dreams than failure ever does financial runway? That is a phrase for the amount of time that you can maintain your lifestyle without the need for a paycheck. And it's critical for you to lengthen this runway if you hope to retire early, and it will dramatically reduce your stress level. An example is say that you currently earn 150k per year after taxes, and you spend 126k of that, all right. Well, that means you've got a surplus of 24k a year. Well, it's going to take you a little over five years to accumulate that 126k that you need to annually support your lifestyle. That's what happens if you don't invest. And see investing helps you lengthen your financial runway, that amount of time you can maintain your lifestyle without the need for a paycheck. That's what we're talking about here. Last week I brought you the show from Caesar's Palace in the center of the Las Vegas Strip. So therefore, what I've done is I have gone from the ostentatious and flamboyant over here to the familial and simple as this week I'm in Buffalo New York, broadcasting from a somewhat makeshift GRE studio here, the Buffalo Bills had a home game yesterday, so the city and hotels are busier than usual. Next week, I will bring you the show from upstate Pennsylvania, as I'm traveling to see my family. Let's listen in to me on the hot seat. I was recently a guest on Kevin bups long running real estate investing show. You're going to get to see how I present information and GRE principles for the first time to a different audience. And as I do, you're going to hear me provide new material, but you'll also hear me say quite a few things that I have told you before, even then, the concepts might land differently when I'm explaining them to a new audience. The show is based in Florida, so We'll also touch on the real estate pain and opportunity there. After I'm interviewed, I'm going to come back and tell you about something fascinating. I'm going to compare the returns from six major asset classes over the past century, since 1930 anyway, and that's going to include the first time on the show where I'll tell you real estate's annual appreciation rate over the last entire century. Just about what do you think it is? 8% 5% 3% you're gonna have, perhaps the best answer you've ever had. Here we go.   Kevin Bupp  8:31   Now, guys, I want to welcome back a guest that we've had on. It's been a number of years now. Keith Weinhold, I went back to look at the last episode we had him on. I think it's been about four years. So, you know, four years ago, the world was in the very different state. It was a very different time. And so, you know, thankfully, we're out of the covid era and on to newer and greater things. So for those that don't know Keith, he's the founder of get rich education. He's the host of the popular get rich education podcast. He's a longtime thought leader in the real estate investing space, and like myself. Keith was also born and raised in Pennsylvania. For those that know don't know, I was born and raised in Harrisburg, Pennsylvania, Keith, I believe, a couple hours away from where I was. But Keith has very much a unique perspective on wealth, building debt, and really the housing market as a whole. And today, you know, we'll be diving into everything you know, from why the property itself? This is something that Keith kind of coins, why the property itself is less important than you think, to how the housing crash has already happened in a way that most people don't even realize, to the role inflation and debt play in building long term wealth. And so again, it's been a number of years here, so I'm excited to welcome Keith back here. So my friend, Keith, welcome to the show. It's it's a pleasure to have you back here again, my friend.   Keith Weinhold  9:43   Oh, Kevin, it's good to be here and be in the auspices of another fellow native Pennsylvanian as well.   Kevin Bupp  9:49   That's right, that's right, yeah, no, Pa is rocking and rolling as I think I told you this little, this little tidbit last time everyone, every time I speak with someone from Pennsylvania, they never know this. But I'm going to share this fun fact. Are you already know, Keith. I'm gonna share it with the rest of the listeners here today, Pennsylvania, those that are born and raised there. It's the only state where, if you're from Pennsylvania, you refer to it by its initials, and you assume that everyone else, everywhere else across the country, they know what you're talking about when you say I'm from PA and that's the only state that does that. So I think it's pretty neat.   Keith Weinhold  10:19   That's right. No one else does that. No one else says, I'm from TN, if they're from Memphis, right?   Kevin Bupp  10:24   They don't, they don't. So with that, my friend. So, you know, it's, again, it's been a number of years since we, since we had you last on here, you know, let's start with just, let's back up a little bit. You know, what have you been up to? I mean, what, what have the last few years look like for you? Where have you been spending your time, energy and efforts? Obviously, it's, you know, we've gone through some quite a bit of turmoil over the last five years, and would love to just get an update as to what's going on your life.    Speaker 2  10:48   Well, one of the big words in real estate investing, we all know it, even the person that cuts your hair and cleans your teeth knows it, and that's affordability. You know, really, affordability has been under fire, under pressure. By a lot of measures, we have the worst affordability for home buying since the early 80s, when the Jeffersons was on television. So it's been helping a lot of people deal with that. It's really the effect of three things, general inflation, higher home prices and higher mortgage rates. Really, those three things the crux of the problem. It's not exactly inflation, really. It's the fact that over the long term, wages don't keep up with inflation. And really that's the crux of the affordability problem. So I've been helping people deal with that and put that in perspective, really, Kevin,   Kevin Bupp  11:42   what does that mean for, you know, investment, real estate? I mean, are you still still doing deals? Are you seeing deals still get done by your students? I mean, what? What's your world look like?   Keith Weinhold  11:52    Yeah. I mean, I think you're asking, you know, how many deals are taking place? One way to measure that on a national basis is existing home sales. You know, existing home sales have been down substantially. And when a lot of people hear that, they think, prices, oh no, we're not talking about prices. We're talking about existing home sales. That means sales volume. That means the amount of overall transactions. So to give an idea of a real estate market, a residential one that's become pretty lethargic and not very vibrant, is that sales volume. It had its recent peak of about 6 million home sales back in 2021 I mean, 2021 was crazy, kind of the crux of the pandemic, you know, Kevin, that's when for an open house. You saw cars wrapped around the block for just one open house. Okay, well, that year 2021 there were 6 million existing home sales. Today, we're on pace to do about 4 million, and we also did only about 4 million last year. So if you put that in perspective and think about what that means, prices have stayed stable, but that's a 33% reduction in transactions. So investors, you know, people like you and I, Kevin, we're not as affected by this as some other industries. But think about the mortgage loan industry. If you're doing 33% fewer transactions, think about the hard decisions companies have to make and lay people off. 33% fewer transactions for title companies. It's probably close to 33% fewer transactions for furniture companies as well. So really it's both affordability that's been a problem, and that's led to this relative lethargy, kind of a slow, not very interesting residential real estate market, at least from the transaction perspective, really, really slow.   Kevin Bupp  13:58   But Could, could one not argue, I don't know the data points. Keith, I guess, what did it look like? 2021? Was kind of the peak. I think you'd reference 6 million units a year. Transactionally, what did it look like prior? What, what was, what was a more normal year like? And maybe 2020, wasn't a normal year either, right? Because a lot of folks thought the role was ending for a period of time. You know, 2019 maybe just again, trying to, trying to find maybe a better baseline to use. And then, you know, does, I guess, in my mind, and I don't follow these data points as much as you do, is that maybe 2021, was, you know, somewhat artificial inflation, right? Lots of lots of money pumping into the marketplace. And ultimately, we had to get back to a sense of normalcy at some point in time. And so are we at a at a place of normalcy? Are we still behind the eight ball a little bit?   Keith Weinhold  14:44   We're still behind the eight ball a little bit. 5 million is more of a normal long term number. But yeah, I mean, if we've got 4 million now, that's, you know, 25% less still than 5 million, sort of this long term normalcy rate of existing. Home transactions. And if you're a careful listener, you notice I've been using the word existing that doesn't include new build. So you know, when you the listener out there reading headlines, always look at that closely. We talking about existing? Are we talking about new build? You can learn a lot from that when you introduce new build data that introduces an awful lot of noise. For example, even when we look at prices, sometimes we want to exclude new construction. So why is that? Why do we want to focus on existing a lot? Well, because new build can introduce a lot of aberrations to the market. For example, the size of new build properties has dropped substantially the past few years, again, coming back to the central theme of affordability to help make a home more affordable. So we're not looking at same same when the square footage of a property drops a lot. And also, another thing that's been happening as a response to the lack of affordability is you have more builders building further and further out from a central business district where there are lower land costs for that new build property as well to help meet affordability. So the takeaway is, yeah, we want to be careful when we look at numbers. Are we looking at existing? Are we looking at new? Are we looking at overall properties.   Kevin Bupp  16:22   If you believe that if rates come down, we really is that the is that the lever that has to be pulled in order for that transactional volume to kick back up and, you know, make homes more affordable for the average home buyer,   Keith Weinhold  16:34   yeah, it's certainly going to help. I mean, really lower rates is the most likely significant lever that can help with the affordability crisis. Prices are pretty firm. Home prices are up 2% year over year. It's difficult for home prices to fall. In fact, home prices have only fallen one time substantially since World War Two. A lot of people don't realize that. So home prices are firm. I expect them to stay firm. And then the other lever is if we get a huge surge in wage increases, which I really don't expect anytime soon, unless we have another really big bout of inflation. So to your point, yes, lower mortgage rates like, that's the biggest lever that can help affordability return. And to speak to mortgage rates, Kevin and help put all of this into perspective, including this affordability component, is the fact that today, mortgage rates are low, and that gives a lot of people pause. They're like, What are you talking about? Mortgage rates were 3% even as low as two point some percent, just as recently as 2021 and early 2022 What are you talking about? Like, mortgage rates are 2x to 3x that today we look at a long term perspective when we look at the arc of mortgage rates, instead of in setting up expectations where we think rates could go. And we need to look at a frame of reference. Mortgage rates peaked over 18% in 1981 that's if you had a good credit score and everything on a 30 year fixed rate mortgage. That's what we're talking about here. In fact, Freddie Mac, they're the ones that have the best, most reliable stat set for mortgage rates, and that goes back to 1971 the average mortgage rate since 1971 all the way up to today, through all these presidential administrations you know, Nixon and in the Reagan years, and Clinton and the bushes and Obama, everything You know up to today, from 1971 until today, the average 30 year fixed rate mortgage is 7.7% so that's why I talk about how mortgage rates are, you know, moderate to a little low today. That takes a lot of people back. I don't see any impetus. It's going to get us back to, say, 3% mortgage rates. So some real perspective here.   Kevin Bupp  19:06   Yeah, yeah, no. And, you know, the interesting thing again, you might have data points on this to see, is a lot of the lack, do you feel that a lot of the lack of transactional volume is also related to those folks that have locked in, you know, 3% you know, mortgages, right? Like they're they, why would they sell and ultimately trade into a, maybe a, you know, a, you know, upgrade of a home, but ultimately be paying significantly more than that of what they're paying at the present time, you know, double the cost of capital. Your rates today, 30 year, rates are where the six and a half, 7% range, I don't follow it, but yeah.   Keith Weinhold  19:42   I mean, as of today, 6.3% is is where they're at. But yeah, you have a lot of those homeowners locked in to low rates. I mean, first, if we just pull back and look at the overall homeowner landscape, four in 10 have a paid off property. So just to talk to those about the other. Or 60% that percentage that are mortgage borrowers, among borrowers, 70% still have a mortgage rate under 5% meaning it starts with a four or less. So yeah, you're bringing up astutely Kevin the lock. In effect, people are reluctant to sell and give up that rate to trade it for a higher rate. And here's what's interesting, a lot of people if they couldn't make the payments on their home and say they lost their home, something that actually happened a lot in 2008 when people were locked into in sustainable mortgages because they didn't have good credit and they didn't have good income, the borrower is in good shape today. But even if, for some reason, they couldn't make the payments on their home, and they lost their home and they had to rent. Rents are actually higher in many cases, than what that mortgage principal and interest payment is. Maybe even the mortgage principal interest, taxes and insurance that they pay today are lower than what comparable rent would be, and this helps stabilize the housing market, people are really motivated to make their payments, and they can easily do it when it is so low, speaking to that lock in effect, and we're bringing up another reason now why transaction volume is so low, that lock in effect. So homeowners are in good shape. Their payments are sustainable. They don't want to sell, and they're just staying put. They're staying in place   Kevin Bupp  19:42   tying that all back around. Keith, what does that mean for us real estate investors? I mean, is there still good value out in the marketplace? I mean, is the rent to value ratio still, you know, Is there good opportunity to be had, as far as ROI for an investor that wants to buy into a residential investment or a multifamily investment, or anything related to that of residential housing?   Keith Weinhold  19:42   Well, the deals in the one to four unit space, single family homes up the four Plex buildings, yeah, just are not as good as they used to be. The ratio of rent income to purchase price is lower than it was five years ago. And that's so simple, but that's just really the simplest formula for profitability for a real estate investor, you don't have to look at cap rate or or NOI in the one to four unit space. Let's just look at that ratio of rent income to purchase price. 20 years ago, it was easy to find a full 1% meaning, on a 200k property, you could get $2,000 worth of rent income. That's that 1% ratio. But now oftentimes you've got to find something that's more like seven tenths of 1% that would be a $1,400 rent on a 200k property. So that simple formula, and I love that, the rent income divided by the purchase price when I'm looking at properties, when I'm scrolling or scanning like that's a calculation you can do in your head. It's only if I would see a ratio that appears really good, oh, that I would like drill down and look at that property more closely. So of course, when you have something that is that simple, though, rent income divided by purchase price, there's a lot of things that doesn't tell you. You know, what kind of mortgage interest rate can you get? What kind of property tax Do you pay in that jurisdiction? But really, I love the simplicity. That's it, rent divided by price, but it has been under attack. Now today, I still don't know where you're going to get a better risk adjusted return than you do with a carefully bought income property with a loan. I've always liked fixed interest rate debt the best risk adjusted return anywhere. I really don't know of a better one than with buying real estate, because real estate investors have so many profit centers, five simultaneous profit centers, which few people understand. Yeah.   Kevin Bupp  19:42   So using that, I want to, I want to unpack the the 1% rule a little bit for those that aren't familiar with it. And again, there's a lot of variables there, as you had mentioned, you know, mortgage rate, taxes, insurance and that respective market that you that you're buying in, and so what? What are you really trying to back into when applying that rule? Is there? Is there? Is there a true cash on cash return that you're hoping to achieve, again, assuming all these other variables that we just don't know, what they are at this point, you know? Is there a target range of actual ROI that you're actually looking to achieve when applying that 1% rule?   Keith Weinhold  19:42   No, I'm just looking for any positive cash flow. You know, to your point, yeah, there's nothing like the cash on cash return needs to be at least three and a half percent or something like that. But, yeah, I still like buying a property that's that's greater than a break even. Inflation is probably going to increase your cash flow over time, even if you bought a property that that broke even or just had a trickle of cash flow or a $100 cash flow today, a lot of people don't understand that fact that right there you can't count on it, you shouldn't count on. Getting rent increases. But we all know it generally happens over time at a rate of about 3% a year, but it actually increases your cash flow. If you increase your rent 5% your cash flow can often increase something like 12% why is that? How could that happen? That's because, you know, it's key for the person that was listening closely, you get fixed interest rate debt, so your rent income goes up, your expenses increase, except for that mortgage principal and interest. Inflation can touch it. It's kind of like a mosquito buzzing against a window and always trying to get in. And inflation can't touch that in a way. It's sort of like debt that's an asset in some unusual way, or some play on words, getting that debt so So yes, you can't count on rent increases over time. We know what typically happens, and that's really part of the compelling value proposition of buying income property with a loan. You're sort of leveraging inflation. You're really on the right side of it.   Kevin Bupp  20:08   Are there any particular markets that you feel are ripe for opportunity today where you're spending your focus and energies in?   Keith Weinhold  20:08   Yeah, it's still in high cash flowing markets like Memphis, okay, little rock and a good part of the Midwest and the Midwest still has home prices appreciating faster than the national average as well. So those are some of the areas that I like. Those jurisdictions also tend to have laws, as your listeners might know this already, Kevin, they tend to have laws that benefit the landlord more so than the tenant, where you can get a prompt eviction, but those are still the areas where you do get that high ratio of rent income to purchase price on a single family rental home, you might still find eight tenths of 1% meaning $800 worth of rent for every 100k of property purchase in places exactly like that.   Kevin Bupp  20:08   I was hoping that you tell me 1% rule would is applicable.   Keith Weinhold  20:08   It's pretty rare. You know, if you do see, if you do see a property that has a full 1% rent to purchase price ratio, it could be in a sketchy area, you need to make sure that you can actually get the rent in like you would get a respectful rent paying tenant in there. That's something that we would have to look at more closely.   Kevin Bupp  20:08   Have you explored building new product? Is there an opportunity there getting at a lower basis by building ground up?   Keith Weinhold  19:42   You asked such a smart question. This is actually the first time ever, as long as I've been an active real estate investor, Kevin for more than 20 years where new build purchases for income property make more sense than existing purchases. Why is that? It's because builders know that investors and borrowers are struggling to buy and afford property and make the numbers work. Like you're talking about, that builders are incentivized to buy down your rate. For you, to buy down your mortgage rate, we deal with a lot of providers that buy down your mortgage rate to 5% or less for you, and this is a fixed, long term loan in order to help get the numbers to work. You know, especially where you might see a new build property where the rent to purchase price ratio is less than seven tenths of 1% and it's just like, ah, the numbers wouldn't work paying a higher mortgage rate, but some are willing to buy them down to as little as four and a half. However, if you're looking into buying a new build income producing property, you do want to look at that closely. Who is paying for the discount points to buy down the rate. Is it the builder, or is it you? Because some builders just suggest, hey, you can buy down. You can have your rate bought down. But yeah, the next question is, yeah, okay, who is actually doing the buy down? Yeah.   Keith Weinhold  19:43   I mean, just getting tacked on. I mean, in that instance, I'm assuming that a lot of it's just getting tacked on to the to the back end of the purchase price, or it's being baked into closing costs somewhere somebody is paying for it. More than likely the borrower is paying for it. Paying for it. Is that? Is that? Again, I'm assuming we probably have that here in Florida. Again, I don't really follow the residential market too much, but there's, as you had mentioned, like, kind of on the the outskirts of Tampa, the tertiary, necessary, tertiary, probably more secondary areas. That's where a lot of the builds are happening. Lots of these, you know, planned subdivisions. You know, hundreds and 1000s of homes being put up. And in my understanding, through the grapevine, is I hear that they're, you know, sales volumes is incredibly slow, and a lot of these builders are now offering some creative loan products, again, to what you've just stated there, to attract, not necessarily even just homeowners, but also investors, to come in and buy their product from them. Is, is there a real opportunity there, though? I mean, have you seen investors be able to benefit from buying brand new product at a fair price, with economics at work keeping as a rental?   Keith Weinhold  29:53   I have and Florida has some builders that are almost desperate. I'm a long time investor. Know personally, directly in Florida, income property, Southwest Florida, places like Cape Coral, they have been ground zero for real estate depreciation, a contraction in real estate values year over year of 10% or more in some southwest Florida markets. So like the post pandemic, migration boom is certainly over in Florida. And you know, Kevin, as little as 10 years ago, people used to talk about buy in Florida. It's cheap, it's sunny, cheap and cheerful, like you would sort of hear that sort of thing about Florida real estate. That is no longer true. Florida just is not as cheap as it used to be. It's the same or higher than the national median home price now in Florida. So yes, some builders are rather desperate. The other benefit of buying new build, especially in a place like Florida, where a lot of new building has taken place and the supply actually exceeds the demand here in the short period. You can take advantage of that, not only by getting the rate buy down, but because homeowners insurance premiums are substantially less on new build property, because they're built to today's wind mitigation and other standards than they are existing property. I have a friend that just bought a new Florida duplex through us in Ocala, Florida. That's sort of a central, North Central Florida, on that new build duplex that he paid 400k for. I saw the actual insurance premium, the the rate sheet, $694.06 $694 694 so the benefit of buying new build is you get a lower insurance premium. You get these rate buy down. Sometimes what your builder will buy for you make for you rather and of course, you're probably going to have low maintenance costs for a long time, since it's a new build property, and you get a tenant that is probably going to stay longer than the average duration. They're the first person to ever live there. It's difficult for the tenant to improve their housing situation when they have a new build income property, unless they would go out and buy, and it's a very difficult time to go out and buy. So through that lack of affordability, really, the advantage for a real estate investor is tenants are staying put longer. The average tenancy duration is up because they can't run out and be a first time homebuyer.    Keith Weinhold  32:32   You know, most people think they're playing it safe with their liquid money, but they're actually losing savings accounts and bonds don't keep up when true inflation eats six or 7% of your wealth. Every single year, I invest my liquidity with FFI freedom family investments in their flagship program. Why fixed 10 to 12% returns have been predictable and paid quarterly. There's real world security backed by needs based real estate like affordable housing, Senior Living and health care. Ask about the freedom flagship program when you speak to a freedom coach there, and that's just one part of their family of products, they've got workshops, webinars and seminars designed to educate you before you invest. Start with as little as 25k and finally, get your money working as hard as you do. Get started at Freedom, family investments.com/gre, or send a text. Now it's 1-937-795-8989, yep. Text their freedom coach directly. Again. 1937795898, 77958989   Keith Weinhold  33:44   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   Todd Drowlette  34:17   this is the star of the A and E show the real estate commission. Todd Rowlett, listen to get rich education with my friend Keith Weinhold, and don't quit your Daydream.   Kevin Bupp  34:38   That even trickles down to the to the space that we're in. We're in the mobile home park space. And while we don't have a lot of rentals inside of our portfolio, most of our residents own their home and they rent the land, but throughout our portfolio, we have roughly 400 units that we own that we have as standardized rentals, and we've noticed that trend as well. Historically. 10 years ago, you. Yeah, we track actually about, I can take it back about eight years, where we actually have data to support this. This claim is that our average renter would stay about 16 months. That was fairly standard. Whereas today it's over, it's nearly three years. At this point in time, the majority are staying nearly three in there's probably, there's some variables in there. You know, eight years ago, we weren't bringing a lot of new product into our communities, whereas a lot of the mobile home parks that we purchased today do have a lot of newer mobile homes in them. So again, to your point, it's, it's a it's a newer home. It's fresh. There might not be the first person that lived there, maybe they're only the second, right? But it's still a very new home. It's only a couple years old. All the appliances are new. It's fresh, you know, it's well insulated, and it's just a high quality product, but, but it's nearly double of what we used to experience and what we used to underwrite. It's, you know, which is, which is interesting. You know, I am, I want to, I want to circle back, you'd mentioned Cape Coral. I've got quite a bit, quite a bit of experience with Cape Coral. This is not the first time that Cape Coral and Port Charlotte in those areas have crashed. I mean, like, they've got quite an interesting history in time, back during the GFC, that area down there took probably one of the biggest hits in most of Florida, while, you know, the rest of Florida got, you know, pounded pretty hard with home values and decreasing home values decreasing rents, Port Charlotte, Cape, coral, in those areas as well. It's just It looks very different down there today. As far as you know, the job basis. I mean, there's a little bit more of a, you know, you know, an economy than what existed maybe 1015, years ago. But I don't know if you know the story of Port Charlotte. Is it some interesting history that you can if you want to spend some time, go on YouTube. There's some documentaries out there about, basically when that area was created. There's a two brothers that, essentially, you know, sold, subdivided and sold swampland and sold the dream to the northeast centers to come down and buy, you know, parcels of land down in Cape Coral, port, Charlotte and in that general area. And it took a lot of time for it develop over the years, but it's a beautiful area down there. But again, I think what happened to your point? A lot of folks during the covid era were wanting to come to Florida. We were fairly free down here. The sun was shining, you know, the Gulf of Mexico was warm, and that was a good value for a lot of folks. You know, the values were driving up there. Was home inventory down there. You got a good bang for your buck back at that point in time. But again, there's not, there's not as much as many amenities and supportive economy there. And then to me, there, like you might find in the Tampa area, or you might find Orlando, or even Ocala cow is a phenomenal market right now. And yeah, oh, Cal is, for those that don't you know you mentioned, you referenced the insurance there, which is, that's a great, that's a great price for that, that policy, you know, 700 bucks, basically, that is inland. For those that don't know the geography here in Florida, that is inland. So you are fairly protected from storms, you know, hurricanes and things of that nature, which crush us here on the on the Gulf Coast. But in any event, I just thought I'd share that there's some good, pretty cool documentaries out there in Port Charlotte, in the whole area down there, but a beautiful part of the country. But just Yeah, it's, it's suffering right now. There's, I think there's, I was looking the other day on Zillow. I just play around and check and see what waterfront home prices are going for. And down there, you can basically get a you can get a canal front home going out to the Gulf of Mexico for about $500,000 which was probably closer to 800,000 during, you know, the the boom era of 2021 2022 So historically, we used to buy properties down there. This is back in 2000 and 345, before the the GFC, we could buy those same properties for 150 and $200,000 waterfront home, waterfront homes, deep water canals going out to the Gulf of Mexico. But when it crashed, some of those homes were selling for $120,000 $100,000 so it's interesting to see how things have come kind of full circle multiple times, not just down there, but in all of Florida as well. Florida is always boom and bust. You know, I think they say that with you know, you could probably speak to that most of these coastal towns, whether it be in Florida, whether it be up the eastern seaboard, the coastal markets are definitely more of a roller coaster ride than the Midwestern markets, where you invest in would you? Would you agree with that?   Keith Weinhold  39:09   Yeah, I would. And yeah, you talk about Florida being a boom and bust, and what you said is certainly true in the shorter term. Back in the global financial crisis, we saw more price blood letting in Florida than we did in other states as well. But over the long term, the long arc, I'm bullish on Florida because of just the obvious constant in migration story. In fact, if you go back to decennial censuses, all the way back to the early 1800s every single decennial census, every 10 years, the population of Florida has rose, and it rises faster than the national average, almost all of those 10 year periods. So yeah, over the long term, I certainly like Florida, but Yeah, you sure can, you know, nitpick over the. Short term, but as little as five years from now. If you bought today, as little as five years from now, I could see someone saying, like, yeah, I bought back five years ago, because we're actually in a in a short term, overbuilt condition, and builders bought down my rate. For me, this could look savvy and this could look wise. So if you're looking for opportunity, new building Florida is definitely something to look into.   Kevin Bupp  40:22    I agree. No, absolutely. Like, the long term, you know, opportunity here in Florida, it's there, you know, it's interesting. We've got the we get these hurricanes every year. Last year was a pretty impactful year, at least here on the on the Gulf side, and the neighborhood I lived in, we got flooded. Luckily, our homes in newer builds built up. But, you know, 70% of the neighbor I lived in had 444, or five feet of seawater. And as did the, you know, the long stretch of the Gulf Coast here, and it was the first time this area has ever this immediate air right where we live, has ever had a it wasn't even a direct hit. It just happened to be a massive storm surge. But it was, you know, catastrophic as far as the damage that it did. And a lot of folks that we knew in our neighborhood here. Have lived here for 1020, 3040, or 50 years, and they had never had any floodwater whatsoever. And and there was two camps where they fell in either one camp where they didn't, they whether they had the money to rebuild or not, didn't matter. Like, mentally, they were never going to end up. They were never going to deal with that again. They were moving away, like they just didn't want to go through the heartache of that again. In the second camp, we're basically, I knew it was going to happen at some point in time. This is the kind of price to live, to pay, a live in paradise and and what ultimately occurred is, you know, you saw homes going up for sale, and in the initial chatter for those that that were impacted, is that, who's going to buy that? You know? You know, they're not going to get hardly anything for it. You know, it's just like, who's going to want to live here now that has been flooded. I said, Just wait. I'll say people have us as human beings, have short term memories. We do and and I can promise you, within a few months, those homes will be gobbled up, some will be knocked down, some will be rebuilt, but inevitably, the prices will come back incredibly strong, and you'll see very limited inventory, at least in desirable markets that are here on the water. And that's exactly that happened. Within six month period of time, prices are back up. You can't get your hands on a flooded property now, or one that had been flooded, right?   Keith Weinhold  42:12   I can believe it. And this is not the way that you want to have a waterfront property when the water inundates you and comes to you, that is not the way to buy waterfront property.   Kevin Bupp  42:23   Yeah, interesting, but, uh, no, Keith has been a fun conversation, my friend. So let's, let's talk about, you know, I like to you'll peek inside your brain if you were going to start all over again, from scratch, you know, you've been at this now, what? How long? Almost two decades. It's been, been quite   Keith Weinhold  42:38   Yes, yes, more than two decades. Is that what you're asking, how would I start, starting from today?   Kevin Bupp  42:47   Yeah, like, what would you do? Where would you focus, what asset type and any particular strategy outside of what you're doing today? You know, where would you focus your time?   Keith Weinhold  42:55   Actually, it is quite a coincidence. The way that I would start all over again in real estate is the way that I did start in real estate. It worked out phenomenally, in a way it makes sense, because if it hadn't worked out phenomenally, you never would have heard of me, and I wouldn't have become this real estate thought leader or whatever, because this is a way, an everyday person with virtually no real estate knowledge and very little money. Can start out, what I did is I made the first ever home of any kind, a four Plex building where I lived in one unit and rented out the other three. This is something very actionable for your for your audience as well, Kevin. Or if maybe you're a listener that has a an adult daughter or son and they want to get started in real estate with a bang without much money, is to buy a four Plex, just like I did. You can use an FHA loan, a three and a half percent down payment. You have to live in one of the units at least 12 months, and at last check, your minimum credit score only needs to be 580 now you will get a lower interest rate if you have a higher credit score. But those are the only three criteria you need. I mean, what a country talk about? The American Dream. You can use that FHA program with a single family home, duplex, triplex or fourplex, that's the formula. That's how I began. Actually ended up living there a little more than three years. But what that did for me was remarkable, and in fact, you know what it taught me? Kevin and every listener can benefit from this. It's paradoxical. A lot of times I say things that you would not expect to hear that make you go, wait what? Whoa, how can that be? Is what it taught me is that I don't want to focus on getting my money to work for me. You probably wouldn't expect to hear that. It's actually a middle class paradigm to say, well, I don't want to work for money. I also want to get my money to work for me. I'm telling. You that that's going to keep you middle class, or worse, that's going to keep you working until old age, and you won't have an outsized life and retirement and options. If you think that the best and highest use of your dollar is getting your money to work for you, it's not what's the paradigm shift if this four Plex building taught me the way I started out, which is still the way that I would start out today, and you probably heard this before, but I'm going to put a new twist on it. Is you want to ethically get other people's money to work for you, and we can be ethical. We can do good in the world. Provide housing that's clean, safe, affordable and functional. Never get called a slumlord that way. You can employ other people's money three ways at the same time, ethically by buying an income property with a loan, like we've been talking about in Florida, or with this fourplex building. How do you do it three ways at the same time, using the bank's money for the loan and leverage, which greatly amplifies your return beyond anything Compound Interest can do. The second of three ways you're ethically employing other people's money is you're using the tenants money to pay for the mortgage and some of the operating expenses on this fourplex. And then the third way you're simultaneously using other people's money is using the government's money for generous tax incentives at scale. So the lesson is that the best and highest use of your dollar is not getting just your money to work for you, it's other people's money, in this case, the banks, the tenants and the governments. That's what you can do. I mean, what an opportunity. A lot of people just don't even know about that FHA program.    Kevin Bupp  46:41   Yeah, I actually, I wasn't, I wasn't aware that it was that low of a down payment key. That's no idea. Three and a half percent, you said, a 550 credit score, believe me, 580 minimum credit.   Keith Weinhold  46:51   And you have to, thirdly, you have to owner occupy a unit for at least 12 months. And hey, I'm not saying it's always easy. You know, you got to think about that. Your neighbors are also your tenants. And I don't know how to fix stuff. I still don't. I'm a terrible handyman, but it's good to learn a little about about human relations. And you know, letting finding a general way to let the tenants know that you have a mortgage to pay every month. I mean, just that alone can can help them ensure timely rent payments. But, and this also doesn't mean every area, or every four Plex building is is good, but, yeah, that's the opportunity. That's how I started. I would totally do it again.   Kevin Bupp  47:27   Can you use that FHA program more than once? Or is that just the one time you know your first, first, first primary home purchase?   Keith Weinhold  47:34   It's generally you can only use one at a time. There are some exceptions, like if you and your job move, like, a certain mile radius away from where you got the first one, but, yeah, generally it's only going to be one at a time. A lot of people don't use it. Don't know about it. In fact, if you have VA benefits, Veterans Administration benefits, you can get a similar program, like I was talking about, but zero down payment, rather than three and a half with an FHA loan. It's a really good, amazingly good opportunity.    Kevin Bupp  48:05   That's incredible. That's incredible. Keith, my friend, I appreciate you coming back going. It's always good to catch up with you. Good to see that you're doing well.   Keith Weinhold  48:17   Oh yeah, a terrific chat there with Kevin. I hope that you like that really. At our core, real estate investors are not day trading. We are decade trading. Now I'm in western New York today, at the other end of the state, NYU compiled some terrific statistics that you want to hear about for nearly the past 100 years. It is the annualized returns of six major asset classes. This spans, the Great Depression, a number of recessions, World War Two, the New Deal, gold standard, abandonment, brendawoods, the Cold War, Civil Rights Movements, oil shocks, Volcker rate hikes, the.com boom and crash, the 911, attacks, the housing bubble, covid, 19, AI revolution and 16 presidencies, all those ups and downs and war and peace and economic booms and economic lows, and now there is going to be a mild tongue in cheek element here, because stats like this drive real estate investors crazy, but this is often how mainstream media portrays asset class comparisons. All right, the six asset classes are stocks, cash, bonds, real estate, gold, and then inflation, which isn't in an asset class, but it's a benchmark. All of these begin from the year 1930 so spanning almost 100 years. Let's take it from the lowest return to the high. Best return the lowest is inflation. And what do you think the CPI inflation rate is averaged over the last 100 years? Any guess at all? You might be surprised. It is 3.2% Yeah, even though the Fed's CPI inflation target has long been 2% it runs hot longer than most people believe. So therefore, today's inflation rate isn't high, it's just normal. The next highest return is cash at 3.3% How did NYU measure that the yield from three months T bills? Next up is bonds. They returned 4.3% that's the 10 year treasury average of the last 100 years. The next highest is real estate at 4.7% that uses the K Shiller Index. Now we're up to the second highest. It is gold at 5.6% and the highest is stocks at 10.3% using the s, p5, 100, and this was all laid out in a brilliant chart that also shows the returns by each decade for all of these asset classes. You'll remember that I shared the chart with you in our newsletter a few weeks ago. Now you are smarter and more informed than the layperson is, you know, but they see this chart and they think, Oh, well, that's it. I've got my answer. Real Estate's 4.7% appreciation loses out to gold's 5.6 and stocks 10.3 and then they go back to watching Love is blind. But of course, rental property owners like us know that we often make five times or more than this 4.7% when we consider all those other income streams and profit centers, leverage, rents, ROA and inflation, profiting on our debt, it's often 25 to 30% total. It's sort of like judging a Ferrari by only measuring its cupholders or something. Now, would stocks 10.3% get adjusted up as well? Yeah, probably a little, because the s and p5 100 currently averages a 1.2% dividend yield, so that might be added on the 4.7% return for real estate. That cites the popular Case Shiller Index. And the way that that index works is that it uses a repeat sales methodology. So what that means is that the Case Shiller measures the sales price of the same property over time. Therefore a property would have to sell at least twice in order to be measured by this popular and widely cited K Shiller Index. So then the 4.7% appreciation figure excludes new build homes, and new builds appreciate more than existing homes, but you do have more existing homes that sell the new build homes, so we can pretty safely assume that real estate's long term appreciation rate is higher, likely between five and 6% there it is. So yeah, making comparisons across asset classes like this is pretty tricky, because investment properties leverage and cash flow gets nullified. And when you make comparisons like this, it's a big reminder that even if you can't get much cash flow off a 20 or 25% down real estate payment, sheesh, most people put a 100% payment into stocks, gold or Bitcoin, and they don't expect any cash flow. And Bitcoin isn't part of what we're looking at for this century long view, because it did not exist until 2009 and also NYU had to use some alternative statistics. Sometimes the s, p5, 100 index only came into being in 1957 and the Case Shiller Index 1987    Keith Weinhold  54:02   next week here on the show, I expect to answer your listener questions from beginner to advanced. You've been writing in with some good ones for the production team here at GRE. That's our sound engineer, Vedran Jampa, who has edited every single GRE podcast episode since 2014 QC in show notes, Brenda Almendariz, video lead, brendawali strategy talamagal, video editor, seroza, KC and producer me, we'll run it back next week for you. I'm your host. Keith Weinhold, don't quit your Daydream.   Speaker 3  54:36   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.   Speaker 2  55:04   The preceding program was brought to you by your home for wealth building, get richeducation.com  

A lot of folks think towing only makes the news when something goes wrong. We set out to change that story. In this conversation with Jeff Bauer, president of Cardinal Legacy, we dig into how leadership, culture, and smart growth can rebuild trust and turn good teams into great ones. From learning alongside respected operators to honoring their legacies through acquisitions, Jeff maps out how a people‑first strategy scales better than any fleet list.We get specific. Jeff shares the simple survey he uses to align roles with strengths, including the tale of a “bad fit” service writer who became a star in accounting once the work matched his wiring. We unpack temperaments, conflict resolution, and the difference between managing tasks and leading people. You'll hear how principles from mentors like John Maxwell and Zig Ziglar translate into shop reality—clear expectations, practical language, and a structure that turns blind spots into leverage. The result isn't theory: the team went from a $10M operation to north of $60M by pairing professionalism with consistent training.We also preview our two‑day leadership retreat in Cape Coral, Florida, built for towing pros and any leader who wants to grow. Expect sessions on blind spots, communication, hiring for strengths, and real‑world conflict tools led by voices from towing, law enforcement, and nonprofit leadership. If you've felt stuck on hiring, onboarding, or culture, this is your playbook to reset the year with clarity and momentum.Want in on the training wave? Check dates and details at CardinalLegacyTowing.com/events, and catch our free deep‑dives on the American Tow and Recovery Institute YouTube channel. If this conversation sparked a new idea, subscribe, share it with a teammate, and leave a review to tell us the next leadership challenge you want us to tackle.

Join us, as we examine the disappearance of Barry Schmalbach, a man who vanished without a trace from his Florida condominium.  You'll hear a desperate voicemail left in the final hour, a search that spanned counties, and a trail of evidence buried beneath lies, dirt and duct tape. How to support: For extra perks including exclusive content, early release, and ad-free episodes - Go to - Patreon How to connect: Website Instagram Facebook Twitter Please check out our sponsors and help support the podcast: Nutrafol - Start your hair growth journey with Nutrafol. For a limited time, Nutrafol is offering our listeners ten dollars off your first month's subscription and free shipping when you go to Nutrafol.com and enter the promo code MADNESS Live It Up - Live It Up is offering you 15% off your first order, including subscriptions, with code MADNESS. Plus shipping's always free. Head to Letsliveitup.com/MADNESS and use code MADNESS DailyLook - Head to DailyLook.com to take your style quiz and use code MADNESS for 50% off your first order Smalls - For a limited time only, get 60% off your first order PLUS free shipping when you head to Smalls.com/MADNESS Shopify - Sign up for a one-dollar-per-month trial period at shopify.com/madness Quince - Upgrade your wardrobe with pieces made to last with Quince. Go to Quince.com/madness for free shipping on your order and 365-day returns. Greenlight - Don't wait to teach your kids real-world money skills; start your risk-free Greenlight trial today at Greenlight.com/MADNESS CBDistillery - Right now you can save 25% off your entire purchase by going to CBDistillery.com and use promo code MADNESS Research & Writing: Ryan Deininger Editing: Aiden Wolf Sources: LIVE: Missing Boyfriend Murder Trial — FL v. Christopher Davis — Day 1 LIVE: Missing Boyfriend Murder Trial — FL v. Christopher Davis — Day 2 LIVE: Missing Boyfriend Murder Trial — FL v. Christopher Davis — Day 3 LIVE: Missing Boyfriend Murder Trial — FL v. Christopher Davis — Day 3 Part 2 LIVE: Missing Boyfriend Murder Trial — FL v. Christopher Davis — Day 4 CourtTV Trial Recap Live-in boyfriend sentenced to life in prison in Barry Schmalbach murder Murder trial delayed for Cape Coral man in boyfriend's disappearance Documents detail what may have led to disappearance of Cape Coral man Barry Schmalbach Family, friends remember Barry Schmalbach as his killer is sentenced to life in prison Loved ones remember Barry Schmalbach after guilty verdict Cape Coral man vanishes; police calling it suspicious Police searching missing man's Cape Coral home for leads Friends of missing Cape Coral man unsure if suspicious texts actually came from him Cape Coral Police working a death investigation Reward for information regarding missing Cape Coral man now $16,000 Cape Coral missing man's family speaks out Formal notice to vacate condo sent to boyfriend of missing Cape Coral man Schmalbach family joins search, landlord gives no comment Boyfriend of missing Cape Coral man arrested Cape Coral Police have person of interest in missing man case ‘Foul play' involved in Cape Coral missing man case, police say Family gives out flyers for missing Cape Coral man in Jaycee Park Search continues for missing Cape Coral man Police search sewer drains near missing man's condo Boyfriend of missing Cape Coral man extradited to South Carolina jail Boyfriend of missing Cape Coral man moved to correctional center Mysterious disappearance of Cape Coral man Barry Schmalbach: search for answers From suspicious behavior to murder charges: A Timeline of Barry Schmalbach's disappearance Arrest warrant issued in the murder of Barry Schmalbach Barry Schmalbach's sister speaks out for the first time New documents show evidence against accused killer New details released on the timeline of Barry Schmalbach's disappearance Sister of Barry Schmalbach speaks out after new documents released 1 year later: The mystery behind Barry Schmalbach's disappearance Booking Report

Welcome to The Daily, where we study the Bible verse by verse, chapter by chapter, every day. Today's shout-out goes to Daniel Crofoot from Cape Coral, FL. Your commitment through Project23 helps deliver God's Word daily with clarity and conviction. This one's for you. Our text today is Judges 12:13-15 After him Abdon the son of Hillel the Pirathonite judged Israel. He had forty sons and thirty grandsons, who rode on seventy donkeys, and he judged Israel eight years. Then Abdon the son of Hillel the Pirathonite died and was buried at Pirathon in the land of Ephraim, in the hill country of the Amalekites. — Judges 12:13-15 Abdon's leadership doesn't come with stories of war or dramatic miracles. Instead, Scripture records his family line and their prosperity—sons and grandsons riding seventy donkeys, a cultural sign of peace, wealth, and influence. For eight years, Israel experienced stability under his leadership. It may not read like an epic story, but in a book filled with chaos and conflict, Abdon's peaceful legacy shines as a rare blessing. We live in a restless world. We celebrate fame, power, and controversy more than faithfulness, humility, and stability. However, Abdon reminds us that a quiet life of faith can have a ripple effect that lasts for generations. His legacy wasn't built in the spotlight—it was built at home, among his family, and in the stability he provided his community. That's the kind of legacy we need today. Fathers who create safe homes. Leaders who model integrity. Believers who commit to their church and community with steady devotion. The impact of such faithfulness outlasts the drama of the moment—it builds generations of blessing. Don't chase the momentary spotlight. Build the kind of faithfulness that outlives you. Stability is a gift to your family and your community—and it's the kind of legacy God loves to multiply. ASK THIS: What kind of legacy am I building for my family and community? Do I value stability and faithfulness as much as God does? How can I invest in people, not just accomplishments, today? DO THIS: Take one step today to invest in stability—pray with your family, encourage someone younger in the faith, or strengthen your commitment to your local church. Faithful seeds planted now will bear fruit for generations. PRAY THIS: Father, help me build a legacy of faithfulness. Use my life not for fleeting applause, but to bring peace, stability, and blessing that ripple into the lives of others long after I'm gone. Amen. PLAY THIS: "Faithful Then / Faithful Now."

In this insightful episode recorded at the 2025 MakeMore Manufacturing Summit, Small Biz Florida host Tom Kindred speaks with Tim McKindles, Director at Ecological Laboratories Inc., a Cape Coral-based biotech company recently honored with the Employer of Choice Award. McKindles shares the company's innovative approach to human resources, emphasizing flexibility, culture, and individualized employee experiences over rigid one-size-fits-all policies. With zero turnover in the past year, Ecological Laboratories demonstrates how customizing work arrangements and cultivating a values-driven workplace can lead to extraordinary employee satisfaction and retention. McKindles also walks listeners through the in-depth award process and how the results provided actionable benchmarking data to improve HR strategies. This podcast episode was recorded live at the MakeMore Manufacturing Summit hosted at the Embassy Suites Downtown Orlando. This podcast is made possible by the Florida SBDC Network and sponsored by Florida First Capital. Connect with Our Guest: https://ecologicallabs.com

A safety ranking means little if it doesn't match how people actually feel while living their lives. We unpack Cape Coral's recognition as one of Florida's safest cities by focusing on the daily experience of residents: running errands without fear, walking to the car without worry, and raising families in neighborhoods where people look out for one another. That lived sense of security comes from a clear vision, a mission built on partnership, and values that show up in every interaction.We take you inside the model that guides our work: be the safest city in Florida, and get there by partnering with the community to deliver the highest level of safety for all. You'll hear how real conversations shape policy more than surveys do, how doorbell camera clips can be the missing piece in a case timeline, and why solvability rates rise when people feel heard. We also talk about the power of ownership: many of our officers live here, navigate the same roads, visit the same parks, and bring that personal stake to every call for service. It's “your police department,” not just “the police department.”We don't ignore small problems that can grow into big ones. That includes a candid look at risky biking and e‑bike behavior—wheelies in traffic, riding three or four across, and blocking lanes. We outline the plan: educate first, enforce next, and keep kids safe while protecting everyone on the road. Our Community Oriented Policing unit is coordinating with businesses on trespass authority, and we encourage residents to call when they see unsafe behavior so we can address it in the moment. The throughline is simple: early reporting, shared information, and steady service keep fear off the front of people's minds.Proud of the progress, focused on the work. If this resonates, subscribe, share with a neighbor, and leave a review to help others find the show. What safety topic should we tackle next?

What happens after a serious, or even deadly crash? How do investigators determine who's at fault, what caused the tragedy, and whether criminal charges should be filed? In this episode of the Cape CopCast, Cape Coral Police Department Traffic Homicide Investigators George Schwigk and Stephen Leonard pull back the curtain on their specialized world where mathematics, physics, and detective work combine to solve complex crash puzzles.These officers explain the tedious and sometimes heartbreaking process of reconstructing crashes. They reveal how speed rarely acts alone in causing fatal crashes - it's typically combined with other factors like impairment, or inattentiveness. The investigators share why solving hit-and-run cases is even more rewarding, as they track down drivers who attempt to escape accountability only to face much more severe consequences than if they had remained at the scene.The conversation shifts to cutting-edge technology transforming police work, particularly the department's UAV (Unmanned Aerial Vehicle) program. These aerial tools provide critical bird's-eye perspectives of crash scenes, help locate missing persons, and enhance security at public events. THI Schwigk & THI Leonard also discuss Cape Coral's unique traffic challenges: the blend of year-round residents, seasonal visitors, and the proliferation of electric bikes and scooters creating new safety concerns. They provide essential advice about which vehicles are street legal and warn that standard bicycle helmets aren't designed for the speeds many electric bikes can achieve. Their message resonates clearly: through a combination of enforcement, education, and individual responsibility, we can all contribute to the ultimate goal of zero traffic fatalities in our community.

It's Friday, September 26th, A.D. 2025. This is The Worldview in 5 Minutes heard on 140 radio stations and at www.TheWorldview.com. I'm Adam McManus. (Adam@TheWorldview.com) By Adam McManus Chinese Communist court upholds prison sentence of 10 Christians On September 11, a court in the Inner Mongolian region of North China upheld a ruling that sentenced 10 Christians to prison for distributing legally published Bibles, asserting that their actions equated to an illegal business operation, reports International Christian Concern. The believers were arrested back in 2021 for purchasing legally published Bibles and reselling them at a significantly lower price as a means of evangelism. Although the Bibles were published legally, the court deemed the distribution of them illegal because the house church that the distributors belonged to was not officially registered with the Communists. Additionally, the church refused to join the government-controlled Three-Self Patriotic Movement church. Trump now wants Russia to return all captured Ukraine territory After campaigning on ending the Russia-Ukraine war, President Donald Trump had repeatedly stated any negotiations to end the war will likely include Ukraine ceding captured territory to Russia, reports American Family Radio News. However, there's now been an about-face, a big one, that sounds like Trump now supports a military counter-offensive by Ukraine.  This week, President Trump stated that Ukraine, with help from NATO and the European Union, can retake all territory it has lost to Russia and restore Ukraine to its “original form.” Russian President Vladimir Putin has ignored Trump's efforts to bring peace to the region even after face-to-face talks in Alaska earlier this summer. Mark Montgomery, a former rear admiral, believes that Putin has embarrassed and irritated Trump. Listen to this soundbite from Washington Watch with Tony Perkins. MONTGOMERY: “President Trump was disrespected by President Putin. After every meeting, Putin would go back to Russia and would immediately engage in significant hypersonic missile strikes on civilian personnel in Ukraine, and as well as engaging in military kinetic actions along the front line, ignoring the president's request for Vladimir to stop, ignoring the president's request to come to the negotiating table. “I think President Trump gave President Putin all the wiggle room he could. And then he had enough.” Former FBI Director James Comey indicted on federal charges Federal prosecutors on Thursday announced they had won an indictment of former FBI Director James Comey in federal courts, reports The Epoch Times. Comey was indicted by a grand jury in the U.S. District Court for the Eastern District of Virginia on charges of making a false statement and obstruction in a criminal case. In a post on X, Attorney General Pam Bondi wrote, “No one is above the law. Today's indictment reflects this Department of Justice's commitment to holding those who abuse positions of power accountable for misleading the American people. We will follow the facts in this case.” Panic seizes Pentagon over Hegseth's meeting of all generals Secretary of War Pete Hegseth has ordered all top U.S. military commanders, worldwide, to convene at the Quantico, Virginia Marine Corps Base next week for a no-notice meeting with no published agenda. To call this unprecedented might be an understatement. The order covers about 800 general officers and admirals, and each of the attendees is directed to bring their senior enlisted adviser with them, reports RedState.com. It's also very likely that Hegseth will want to discuss the epidemic of non-compliance and malicious compliance wreaking havoc on the policies he and his team are attempting to put into place. For instance, trans members of the military are still being promoted even though they have been ordered discharged. DEI training continues despite Hegseth's order banning such nonsense. The Judge Advocate General Corps, the stronghold of everything leftist in all services, survived an early decapitation attack and roared back more woke and more disloyal and vindictive than ever. They openly discuss how to circumvent Department of War directives and frequently refer to their commanders who are following lawful orders from the Secretary of War as "nazis" and "war criminals." Man who shot at ICE Dallas facility sought to bring terror The 29-year-old man, Joshua Jahn, who opened fire on a Dallas Immigration and Customs Enforcement facility from a nearby roof on September 24th left behind handwritten notes at his home in Oklahoma that shared a motive for his attack – to terrorize ICE employees, reports Fox4News.com. He killed one detainee, and injured two other detainees before taking his own life. According to FBI Director Kash Patel, Jahn downloaded a document titled "Dallas County Office of Homeland Security & Emergency Management," which contained a list of Department of Homeland Security facilities. He also conducted multiple searches of ballistics and the "Charlie Kirk Shot Video" between September 23 and September 24. Jahn allegedly left handwritten notes behind that read in part, "Hopefully, this will give ICE agents real terror, to think, ‘Is there a sniper with [armor piercing] rounds on that roof?'" At a press conference, FBI agent-in-charge Joseph Rothrock said, "Jahn specifically intended to kill ICE agents. He fired at transport vehicles carrying ICE personnel, federal agents, and detainees. He also fired multiple shots into the windows of the office building, where numerous ICE employees do their jobs every day." The Department of Homeland Security is also increasing security at all ICE facilities across America. Christian leader Voddie Baucham died at 56 And finally, Voddie Baucham, an American pastor, author, and educator, died yesterday at the age of 56. TimesNowNews.com reports that Baucham had dealt with serious health issues in the past. In February 2021, he experienced “full-blown heart failure.” The following month, he underwent successful heart surgery. Later, doctors found another blockage, which led to a quadruple bypass surgery. On Facebook, his ministry wrote, “We are saddened to inform friends that our dear brother, Voddie Baucham, Jr., has left the land of the dying and entered the land of the living. Earlier today, after suffering an emergency medical incident, he entered into his rest and the immediate presence of the Savior whom he loved, trusted, and served since he was converted as a college student. Please pray for Bridget, their [nine] children, and [three] grandchildren.” Indeed, I urge you to send a sympathy card to Bridget Baucham, c/o Voddie Baucham Ministries,1020 S. Ferdon, Crestview, FL 32536. Voddie served for nine years as Dean of Theology at African Christian University in Lusaka, Zambia and was the Founding President of Founders Seminary in Cape Coral, Florida. Known for his passionate preaching, teachings on faith, and books on Christian living, Baucham left a deep mark on the Evangelical community. His books included Family Driven Faith: Doing What It Takes to Raise Sons and Daughters Who Walk with God, Family Shepherds: Calling and Equipping Men to Lead Their Homes, and Fault Lines: The Social Justice Movement and Evangelicalism's Looming Catastrophe. Listen to Voddie Baucham explain how Ephesians 6:1 has been turned upside down by the world. BAUCHAM: “Children, obey your parents in the Lord, for this is right. We've turned this on its head. “First of all, your children are not yours. ‘Children, obey the state, for this is right.' We've even moved from that. “'Children obey your feelings, for this is right.' And then on top of that. We say, ‘Parents, obey your children's feelings, for this is right.' So, if Johnny comes to you and says that Johnny is now Susie, it is your job not to instruct Johnny that he's not Susie, but to instruct Susie that you affirm her as Susie. That's your job. “Your job is to obey, to submit to what it is that your child says that he or she is. Sounds like the same twisted logic of the evangelical feminist.” Psalm 116:15 says, “Precious in the sight of the Lord is the death of His saints.” Watch Voddie's last talk in which he addressed Charlie Kirk's death at New St. Andrews College. Close And that's The Worldview on this Friday, September 26th, in the year of our Lord 2025. Follow us on X or subscribe for free by Spotify, Amazon Music, or by iTunes or email to our unique Christian newscast at www.TheWorldview.com.  I'm Adam McManus (Adam@TheWorldview.com). Seize the day for Jesus Christ.

Nonprofit leadership isn't just about managing resources — it's about vision, resilience, and the bold action it takes to solve the toughest challenges in our communities. Dr. Dawn Belamarich, CEO of Collaboratory, is leading a bold mission to solve Southwest Florida's biggest social challenges by 2040. With roots as a therapist and the discipline of a business leader, Dawn shares how she blends compassion with strategy to drive impact. From data-driven initiatives to scholarships that change lives forever, her leadership lessons resonate with nonprofit executives, Board members, and emerging leaders alike. You'll learn: Why every nonprofit must be run like a business to sustain its mission How optimism became Dawn's leadership superpower—and why it matters The power of scholarships and community funding to change lives Straight talk for Board members and CEOs navigating tough times Why knowing your “why” is essential for every nonprofit professional If you're ready for practical wisdom, candid insights, and real inspiration to lead with courage, this episode is for you. Prefer video? Watch the full episode on YouTube, https://youtu.be/9IXlGHn0eQY. Standout Quotes “A nonprofit is a business. If there's no money, there's no mission.” — [18:03] “It's the game changer of game changers when you see a life transformed by a scholarship.” — [15:43] “Know your why. Write it on your mirror, remind yourself every day, because many things will try to take you off course.” — [40:12] Chapters & Timestamps 00:00 – Welcome & Collaboratory's Bold 2040 Mission 01:05 – From Therapist to Nonprofit CEO: An Unexpected Journey 07:15 – Finding Inspiration in People, Innovation, and Optimism 13:42 – Scholarships & Success Stories That Change Lives 18:03 – Running Nonprofits Like a Business 21:39 – Navigating Funding Challenges with Collaboration 24:21 – Straight Talk for Board Members and Nonprofit CEOs 29:47 – Failures, Lessons, and Surprising Leadership Insights 38:12 – Final Advice for Nonprofit Leaders: Know Your Why Guest Bio Dr. Dawn Belamarich is President & CEO of Collaboratory, Southwest Florida's regional community foundation with a bold mission to solve the area's biggest social challenges by 2040. A licensed mental health therapist with a doctorate in business and leadership, Dawn brings a unique blend of compassion and strategy to her work. Before joining Collaboratory, she held senior leadership roles at Recovery Centers of America, where she led clinical and operational excellence for a national addiction treatment provider. Her career spans both nonprofit and for-profit sectors, giving her a distinctive perspective on driving impact with business discipline. Dawn also serves on the Board of the ARCHway Institute, a national organization providing education and resources for those impacted by addiction. Originally from New Jersey, she now calls Cape Coral, Florida home, where she enjoys the outdoors, spending time with family, and life with her husband Dave and their...

The Netflix hit Cobra Kai was the perfect balance of 1980s nostalgia and modern sensibilities. Now, the team behind that show has been tapped to do the same for another popular brand from the decade: Knight Rider. Florida FlexTransit driver fired as photos show him take county vehicle to gentlemen's club Man wearing Batman pajamas thwarts robbery attempts in Cape Coral neighborhood Brit suffers epic tattoo blunder after Spanish tattoo artist misunderstood her instructions FOLLOW TNR ON RUMBLE: https://rumble.com/c/c-7759604‬ ‭FOLLOW TNR ON SPOTIFY: https://open.spotify.com/show/7zlofzL...‬ ‭FOLLOW TNR ON APPLE PODCASTS: https://podcasts.apple.com/us/podcast...‬ ‭WEBSITE: https://nextroundlive.com/‬ ‭MOBILE APP: https://nextroundlive.com/the-ne....‬ ‭SHOP THE NEXT ROUND STORE: https://nextround.store/‬ ‭Like TNR on Facebook: / nextroundlive‬ ‭ Follow TNR on X: / nextroundlive‬ Follow TNR on Instagram: / nextroundlive‬ ‭Follow everyone from the show on X:‬ ‭ Jim Dunaway: / jimdunaway‬ ‭ Ryan Brown: / ryanbrownlive‬ ‭ Lance Taylor: / thelancetaylor‬ ‭ Scott Forester: / scottforestertv‬ ‭ Tyler Johns: /TylerJohnsTNR‬ ‭ Sponsor the show: sales@nextroundlive.com‬ Learn more about your ad choices. Visit megaphone.fm/adchoices

Today I'm joined by Josh Clinton, GM of Cape Coral CDJR. We dive into how he doubled his close rate using simple AI prompts, the headwinds Stellantis is facing after cutting key models, the evolving role of the salesperson in an AI-driven landscape, and much more. This episode is brought to you by: 1. Lotlinx - Get the best possible market advantage on every vehicle transaction. Optimize operations and boost profits using artificial intelligence (AI) and machine learning. Learn more @ https://lotlinx.com/ 2. Cars Commerce - The platform to simplify everything about buying and selling cars. Learn more @ https://www.carscommerce.inc/ 3.Nomad Content Studio - Most dealers still fumble social—posting dry inventory pics or handing it off without a plan. Meanwhile, the store down the street is racking up millions of views and selling / buying cars using video. That's where Nomad Content Studio comes in. We train your own videographer, direct what to shoot, and handle strategy, to posting, to feedback. Want in with the team behind George Saliba, EV Auto, and top auto groups? Book a call at http://www.trynomad.co Need help finding top automotive talent? Get started here: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.cdgrecruiting.com/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Interested in advertising with Car Dealership Guy? Drop us a line here: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://cdgpartner.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Interested in being considered as a guest on the podcast? Add your name here: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://bit.ly/3Suismu⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Topics: 00:05 Best used car strategy today? 01:48 Why drop out of school? 02:56 How AI transforms auto sales? 04:43 Best psychological sales tactics? 10:25 Most innovative AI dealership uses? 24:28 AI's impact on sales/marketing? 30:12 AI in inventory management how? 32:34 Will AI replace salespeople? 44:37 Why social media matters? Check out Car Dealership Guy's stuff: CDG News ➤ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://news.dealershipguy.com/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ CDG Jobs ➤ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://jobs.dealershipguy.com/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ CDG Recruiting ➤ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.cdgrecruiting.com/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ My Socials: X ➤ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠x.com/GuyDealership⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Instagram ➤ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠instagram.com/cardealershipguy/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ TikTok ➤ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠tiktok.com/@guydealership⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ LinkedIn ➤ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠linkedin.com/company/cardealershipguy⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Threads ➤ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠threads.net/@cardealershipguy⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Facebook ➤ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠facebook.com/profile.php?id=100077402857683⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Everything else ➤ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠dealershipguy.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ This podcast is for informational purposes only and should not be relied upon as a basis for investment decisions.

Keith discusses the impact of inflation and interest rates on real estate investing, emphasizing passive income strategies.  He highlights the Florida housing market, noting a 26% increase in listings post-pandemic.  Investor and Florida homebuilder, Jim, joins this episode to explain the overbuilding in the emotional market versus the underbuilt workforce housing.  His company focuses on new construction in areas like Ocala, offering 40-year loans with 5.25% fixed rates, and boasting an average tenancy duration of over three years. They also provide two years of free property management and a 10-year builder warranty. Resources: Schedule a free strategy session with a GRE Investment Coach to evaluate the opportunity at GREinvestmentcoach.com Show Notes: GetRichEducation.com/564 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  You get paid first: Text FAMILY to 66866 Will you please leave a review for the show? I'd be grateful. Search “how to leave an Apple Podcasts review”  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— text ‘GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Automatically Transcribed With Otter.ai    Keith Weinhold  0:01   welcome to GRE. I'm your host. Keith Weinhold, what control do you have over inflation and interest rates? Then, with the Florida housing oversupply and resultant attrition and price levels, wouldn't it be interesting to talk to a prominent Florida homebuilder? That's just what we do today on get rich education.   Speaker 1  0:27   Since 2014 the powerful get rich education podcast has created more passive income for people than nearly any other show in the world. This show teaches you how to earn strong returns from passive real estate investing in the best markets without losing your time being a flipper or landlord. Show Host Keith Weinhold writes for both Forbes and Rich Dad advisors and delivers a new show every week since 2014 there's been millions of listener downloads in 188 world nations. He has a list show guests and key top selling personal finance author Robert Kiyosaki, get rich education can be heard on every podcast platform, plus it has its own dedicated Apple and Android listener phone apps build wealth on the go with the get rich education podcast. Sign up now for the get rich education podcast, or visit get rich education.com   Speaker 2  1:12   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  1:28   Welcome to GRE from coral, Illinois to Cape Coral, Florida and across 180 nations worldwide. I'm Keith weinholden. You are inside for another wealth building week. This is get rich education, the voice of real estate investing since 2014 with inflation on the upswing and is currently approaching 3% again, the formula is small. Down payment. Bank buys you the house. Tenants pay down the loan. Property Manager handles nearly everything. You collect cash every month. Inflation builds you massive wealth, and that's real estate, all right. And no one really knows what's going to happen with inflation and interest rates, those two positively correlated indicators, but at times we have an illustrious guest that will make a prediction. And GRE episode 224, from January of 2019 has been getting some attention lately. That's back when interest rates of all types were really low, and when I interviewed legendary investor Jim Rogers in Singapore, listen in to what he told you, and I on that episode, then   Speaker 3  2:49   you ask me, we're now headed up again, and interest rates are going to go go much, much, much higher over the next few decades, and it's going to ruin a lot of people. I hope none of your listeners get ruined. I hope I don't get ruined, but rising interest rates are here for a long time. Keith, be worried. Be careful.   Keith Weinhold  3:08   Yeah, some real Jim Rogers prescience there in Episode 224 he has seen some cycles. Now as investors, we've got regional phenomena and national phenomenon mortgage rates. They're a national one, because more or less, whenever you finance property anywhere in the nation, your rate is going to be the same nationwide. Perhaps you feel then like you don't have any control over your mortgage rate. Well, I've got two points to that. First, understand that today, mortgage spreads are almost back to normal. Now, what does that mean? Mortgage spreads from listening to the show, you probably know that the mortgage rate you pay is dictated more on the level of bond yields than it is the Fed funds rate that your own Powell controls. Well, 30 year mortgage rates are historically almost 2% above the bond yield, meaning they're 2% above the yield on the 10 year T note, okay, that's the bond yield. The spread was recently above 3% now it is down to about two and a half. To be clear, mortgage rates are now just about two and a half percent above bond yields in this narrowing, that means there's more investor confidence in the mortgage market, and that suggests that lenders are willing to offer loans at competitive rates without succumbing to volatility. So lenders are less concerned about the risk of you quickly refinancing out of the loan that they just worked to make for you, the translation is that this opens the door to make it easier for mortgage rates to fall to 6% and they've been nearly seven for a while. Though I don't predict rates. I'm speaking about probabilities here. Now some people want to lock up property before rates fall, because when rates fall, many think home prices will surge because more people can afford property than higher demand. And I think we all know that the conventional wisdom is to lock in your price now and then if rates fall, you refinance. Conversely, if rates go higher, well then you'll be glad you bought today when rates were lower. But today we're talking about how you can really control the mortgage rate you pay when you work with a builder that won't only see that your mortgage rate gets bought down, they'll ensure that they are the ones paying for the pie down, not you. That's key, as we talked to a home builder in Florida today, a state that makes headlines for being overbuilt, it's a case study in how a market gets to an overbuilt condition, or does it really get overbuilt? It depends on this segment of the real estate market that you're focused on as an investor, as you'll see today, let's meet this week's guest.    Keith Weinhold  6:05   I'd like to welcome Jim onto the show today. He's one of the founding partners of a prominent Florida home builder. They built over 9000 residences, and they have 120 plus full time employees, and it's been such an interesting time in Florida home building and the real estate market, so that's why we're chatting today. Hey Jim, welcome onto the show. Keith, great to be back. Thanks for having me. Let's talk about the problem statewide. Florida has about 26% more listings, more available housing inventory, as compared to pre pandemic levels. That's created some problems, some price attrition. Talk about, why did Florida get over built? Or are they not truly overbuilt when we segment that by product type.   Jim Sheils  7:02   Well, like you said, Keith, product type is really important to decipher here, because it does help dissect the problem a little more clearly. There's a lot of different markets happening, but two of the main things that I've seen that have caused the softening of certain segments of the market is one insurance if you are buying a 1957 home in southwest Florida, a few blocks from the beach, it is possible that your insurance has gone up four to five times. Yeah, the annual thing. So that is going to really start to shake people who own those properties. They're going to feel a little triggered to sell, and it's going to be more difficult to sell, because if you have an agent go and show that property and they ask for a good faith estimate from a lender, and they say, Well, what's your current insurance? That can really scare people. So that type of property normally properties older before 2004 when the rules changed, with higher insurance, that can change it. The second thing is, the emotional market always seems to take a hit, Keith, and I've heard you talk about this before. Now, the emotional market that I talk about is we have our median value in any of the real estate markets, right? And you go about 25% above the median, maybe 30% above the median values. That's what I call the emotional market. These are the really nice houses that are fun to visit. You know, nice to stay in, nice to live in, but they are emotional. This is an emotional market. The cash flow numbers have never worked. They're not on the ultra high end that those people normally own cash and they don't really care the fluctuation. It's that level above the median where I see the emotional market really take the hit, because when the emotion comes out, while the people it's harder to sell to find the buyers, especially with the rates jumping the way that they have over the last two years, there's not the ability to sit back and say, Well, you know what, Keith, I'm just going to hold this and rent it, because their negative position, their negative cash flow every month, begins to sink them quickly, and so that's where you see that pressure downward on that emotional market. If that makes any sense.   Keith Weinhold  9:06   did Florida really get ahead of itself with the increase in pandemic migration? Was there more building because they projected that high migration rate to continue, and it just didn't. Is that why areas of Florida are overbuilt.   Jim Sheils  9:22   What I believe happened was the migration was there, Keith, but again, you have to look at the sectors of the market. Now, when you're looking at a large national home builder, their goal is to sell the property with the greatest profit spread. It's just that simple, and those are the properties when times are good and times are hot, this emotional market, you know, 20, 30% above the median value for an area that's a very easy time to promote and to sell those types of properties and make the best spread for them. And so, yes, in that area, they got ahead of themselves, because it was easy to market to, easy to promote to. And again. In. Some people untrained investors, or people just emotional and saying, Well, I'm gonna have a second home in Florida, and I'll get there more often than I think I will. That causes that issue now, but going to the lower segment, like the workforce housing, like you and I have talked about, well, that has been underprepared for the migration and affordability. That is my word of the year, affordability, the affordable housing, the workforce housing. When you look at the stats, I think it was last year we found the stat that for every 25 workforce housing, new construction workforce housing, there's 100 renters. And so the workforce housing has been underdeveloped, and why? You know, we're a niche builder. It's very rare for a builder like us to focus on workforce housing. That's not the focus of many of the larger builders. They're on that more emotional market. So that's where we focus. But with builders like us focusing on that, no one else that part of the market, Keith has been under supplied, actually in the last few years, because the net migration didn't need those emotional houses. They needed the workforce housing.   Keith Weinhold  11:05   This is a great distinction. We can look at a stat like there's 26% more available housing inventory in Florida statewide than there was pre pandemic, but you've got to parse that by product type, workforce housing, which you specialize in, including build to rent, housing has not been oversupplied, not nearly to that same extent. It could even be undersupplied, depending on where you're at. These are the properties that make the best long term income properties. I hope you the listener caught it there. Jim gave an important date. 2004 is a key year when there were changes to building codes, which results in what your insurance premiums are going to be. Tell us more about that.    Jim Sheils  11:50   Yeah, 2004 right through Punta Gorda, Florida, where we build now. There was Hurricane Charlie came through. My dad's cousin, I have actually lived there at the time. I mean, that place got decimated. Keith, it got absolutely decimated, and the government called timeout. They said, timeout. Okay, we got to stop this. New rules. Moving forward, we're going to change the structural design requirements. We're going to change the elevation requirements. This is the big one. So you know, back in the day, you and I, if we were back in 1962 in Fort Myers, Florida, we could build a house at two feet or three feet above sea level. Those days are gone. If you're going to build a property like going back to Punta Gordon, now today, you have to build it 13 to 14 feet above sea level. So that means builders like us got to bring in a lot of dirt, and we grumble and complain about it until a storm goes through and we have no flooding on any of our properties. But that was a requirement, then stronger fasteners and structural design, because they just didn't want that risk or this type of damage. And it's been interesting, because they've been two hurricanes, you know, since 2004 that have really gone right over the eye. The main power of the storm has gone through. Punta Gorda. I've actually showed this on some videos that we've done on YouTube, like the flyover the next day, and you would think, Oh, well, maybe there was like a strong wind that went through, because there's palm fronds down and some fencing, but the houses are intact, and it's because things had to be rebuilt to today's standards. So I always tell people, hey, you know, we'd love to help you get a house, but if you're just going down there to find a house, I would highly recommend you look at the elevation and look if your house was built before the year 2004 or after, because that is really when things started to change. Not that a house earlier might not have what you're looking for, but elevation is such a key component when you're near coastal areas in Florida, the elevation of your home.   Keith Weinhold  13:41   Is it that simple? Pre 2004 you're likely to pay substantially higher insurance premiums on your Florida property than you are if the build year was 2004 or later.   Jim Sheils  13:52   It's a main component, Keith, another component will be to that is, you know, how close are you to the beach? If you're within, you know, a half a mile of the beach that can have an on lower ground of an older property, those combinations for risk analysis for an insurance company will come up not in your favor, and so you have to put that into account too. Again, the further you move inland, especially the further you move north, and the further you move inland in Florida, the insurance premiums go down because the risk assessment of the last 100 Years of hurricanes has been so much dramatically lower of actually causing issue.   Keith Weinhold  14:29   We'll talk about the Florida areas that you build in later. But first, let's just pull back. Talk about statewide. How bad is it? How bad is it with the overbuilt condition in some segments of the residential market, and how that's led to price attrition, a lack of rent growth or rental occupancy rates that are hurt potentially. Can you speak to that? How bad is it now,   Jim Sheils  14:54   again, going to the segment of the emotional market, so we're talking 20 to 30% above the median. In price in an area that's going to be bad, that's where you're going to have to have downward pressure. You're going to have to your property may have appreciated Well, if you did in 2020, but you're not selling a peak pricing. You're going to have to come off your numbers a good amount, because there's not as many buyers. And also, you got to remember, coupled with that pricing coming down, it's also the interest rates we got pretty spoiled. You know, three and a half percent interest rates, two and a half percent interest rates for some homeowners, that's just not the norm now. So when you're going off those numbers, the affordability, the ability to make that payment, has really been affected. So that emotional market, I think we're going to see a continued softening in that and again, in that emotional market too. To what I saw was, and I own some short term rentals, and I like short term rentals, but what we saw there was a rush, like, almost like a California gold rush, here in Florida, to people coming in and buying what they consider a short term rental, which was not really desirable for short term rent. It could get a few people here and there, but they would buy it, this emotional market, and then the numbers wouldn't work out. Now that, as well, is starting to put pressure on people saying, Oh, I'm losing so much money every month. Let's just sell and again, that emotional market, that area, 20, 25% 30% above median value. That's where we're seeing that. So you're going to see some pressure downward of that, I'd say at least another 10% because there's already been a dip in some areas 15 to 20% so there has been a correction in those and I think we'll continue to see that until some of this stabilizes.    Keith Weinhold  16:32   Talk to us about how the rental segment's doing, statewide   Jim Sheils  16:36   rental, we saw a stagnation for about a year and a half to two years, and just in the last six months, we've seen an increase in some of our main markets here. Again, when I say they main markets here, I'm always speaking, because that's what we stick to, the workforce housing. So we've seen workforce housing some of our main central Florida markets and some of our Northeast markets go up another 50 to $100 which was great, because it was stagnant for about two years. About two years. And then you'll see a continued dip of probably, you know, 10 to 15% on some of that emotional market rentals, because now there's a rush to try to rent them, and again, there's not as much of a demand for that segment of the market.    Keith Weinhold  17:17   We're talking with a prominent Florida home builder about Florida's temporarily overbuilt residential housing type. We've already learned that 2004 is a key year for what your insurance rates are likely going to be. We've also learned about how you need to segment these residential housing markets between workforce housing and the emotional side of the market. You're listening to get rich education more when we come back on Florida real estate, I'm your host, Keith Weinhold.   Keith Weinhold  17:46   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 pre qual and even chat with President Chaley Ridge personally while it's on your mind, start at Ridge lendinggroup.com that's Ridge lendinggroup.com.    Keith Weinhold  18:18   You know what's crazy, your bank is getting rich off of you, the average savings account pays less than 1% it's like laughable. Meanwhile, if your money isn't making at least 4% you're losing to inflation. That's why I started putting my own money into the FFI liquidity fund. It's super simple. Your cash can pull in up to 8% returns, and it compounds. It's not some high risk gamble like digital or AI stock trading. It's pretty low risk because they've got a 10 plus year track record of paying investors on time in full every time. I mean, I wouldn't be talking about it if I wasn't invested myself. You can invest as little is 25k and you keep earning until you decide you want your money back. No weird lockups or anything like that. So if you're like me and tired of your liquid funds just sitting there doing nothing, check it out. Text family tp 66866, to learn about freedom. Family investments, liquidity fund, again. Text family to 66866,   Kristen Tate  19:29   this is author Kristen Tate. Listen to get rich education with Keith Weinhold, and don't quit your Daydream. You   Keith Weinhold  19:46   welcome back to get rich education. Jim is with us, a prominent Florida home builder, and it's so interesting to talk to a home builder today because you think a Florida is overbuilding Ground Zero, even though, paradoxically. Nationally, we're still in a somewhat under built condition, where there's somewhat of a lack of available housing supply. Now, back on our April 28 show, exactly three months ago today, which I know that you listened to Jim, that show was titled, is Florida real estate doomed? And the short answer is no and I gave a number of reasons for that. You don't want to catch a falling knife as an investor. One prominent reason that Florida real estate is not doomed, and you're not catching a falling knife, and this is so close to being 100% predictable, is the fact that the growth is going to be there. It always has been in Florida, the in migration has been remarkable. If you go back and look at every census over about the last 200 years, since 1830 Florida has grown substantially every single census, oftentimes and usually at a rate greater than the national average. So in migration is almost certainly going to continue, which, over the long term, will put upward pressure on prices, upward pressure on rents, and help with rental occupancy as well. When you have a vacancy, that next incoming tenant is going to be there, I think that's about as close to predictable as it can possibly get. So talk to us more about the dynamics in Florida and the in migration.   Jim Sheils  21:26   It's funny, Keith, last year the net migration, and you can check through all the stats out there. The net migration number for Florida, that means more people, obviously coming in than leaving, and the surplus was just about 470,000 so we still have a growth of 470,000 and people have set up. Florida. Net migration is over. And I'm going, well, it was pretty superb during the pandemic, but to say it's over when it's about a half million up from last year, I think would be a misconception for at the very least. So we feel the people are still coming, and we're asking, what kind of housing do they need? Do they need that higher end, emotional market housing? Not what we're seeing, what they're needing is affordability. They're going to areas where there's still great job source, there's still great affordability, and that's what we look for. Where can we still build a new construction, single family home for under $300,000 and have great job source close by. That's one of the things that we look for. Also, where is there that under supply of that workforce housing? There are very key markets in Florida that you know about that we build in. We're saying, yeah, there's lots of stuff on the market up there, but there is no supply of this workforce housing. We're going to keep building. And as you know, we have not stopped building the last two years, when a lot of people have run for the sidelines because they weren't in our sector of the market.   Keith Weinhold  22:48   Of course, you're very strategic about where you build geographically. Talk to us about where those places are   Jim Sheils  22:54   right now. Keith, my pick of the year has been the greater Ocala region, and I know we've been working with a lot of GRE folks in that region. Couple of reasons why, still had the strongest migration of any area in the US. And you can look that up. U haul had it as number one destination place. This was when I say greater Ocala. I look at Ocala, citrus springs, Inverness, that central Florida area. You know, still in some of those markets, Keith, we're building homes for 200 60s, 270,000 that's new construction, and enabled to get great rent and great financing, which no we'll talk about. And the job source is remarkable right now. In fact, interesting statistic, Keith, I know you watch this closely. In Ocala, the median price of a home is just around 300,000 main Ocala, you can get cheaper when you go out to citrus springs and Inverness, down to the 260s 270s but the median family income is 72,000 and when you look at that, that is a very good affordability index. That's very high average family income compared to a low median price, and that's bringing in more jobs. That's bringing in more security. Couple that with Central Florida being one of the lowest hurricane risk zones in the state. It's the highest ground. It's the furthest inland, in fact, to ensure a single family home on average in that area, about $65 a month for full coverage, wow, for a duplex, $105 a month, full coverage. And that's the advantage of new construction buying in the right areas or low hurricane risk zone and great job source coming in. So my favorite market right now, Keith, is that Central Florida, Ocala, citrus springs, Inverness, that's where we're building. Oh, that's also when people say it's overbuilt. Well, no, because we know that we're actually building for a few of the big institutions that have way bigger analysis departments than we do, and they're seeing that it's so behind on housing that people are finally going in. It was kind of an overlooked market all through the pandemic for the most part, and now it's finally getting people's attention.   Keith Weinhold  24:58   A couple months ago. On the show, I shared how a close friend purchased a new build Ocala duplex through you, the rents he got were even a little higher than you projected, and his insurance premium is $694 again, this is for a duplex. I forget. I think the purchase price was 400 to 420k on this new build property.   Jim Sheils  25:23   Yeah. And it's funny when people, we have lots of investors coming from all over, but I was in California's, know, for years. And when people hear a quote like that, like that, you just said 650, $6 they think that's for the month. And I say, No, no, no, that's for the year. And again, that's the misconception now, but you could pick up and you could go to a coastal area again, like I said in a 1952 duplex built at two feet above sea level that's had hurricane issues before, and your insurance could be $8,000 a year. Yeah, that's where you have to really shop before you actually pull the trigger on property. What are the taxes? What are the insurance? I mean, this is going back to core play, core strategy, but it's something you really have to look at   Keith Weinhold  26:07   talk to us about the product types that you're offering, all new build, and what percent of single family, duplexes and larger   Jim Sheils  26:15   the main majority of what we're building right now is single family and duplex. The numbers work great. They're in high demand. You know, duplexes are a pretty interesting product, Keith, because you can put them in single family home neighborhoods, and, you know, families that couldn't normally rent, afford to rent a full house there, can avoid an apartment building, still feel like they have their own home and afford to be in that neighborhood. So I'd say 80% of what we're doing is a combination of single family home and duplexes, and then, as you know, we still are building some of our quads, our four unit buildings in some areas of northeast Florida, like Jacksonville,   Keith Weinhold  26:50   expenses have obviously been on the mind of real estate investors. More so since interest rates doubled to tripled in 2022 you're selling to investors. Investors need the numbers to work. Since they're not in the emotional market, we're in the market where we're looking at numbers, and that biggest expense, of course, is your mortgage principal and interest. So you found a way to deal with high insurance premiums, because on most or all of your properties that you sell to investors, those insurance premiums are excessively low. Talk to us about what you've done with the mortgage rates, for investors   Jim Sheils  27:27   it's such an important point here, Keith, I remember hearing a warren buffett thing years ago saying, Well, I'm not really in the real estate and that, but for me, when I look at it, a house is worth what it can rent for. And that always stuck with me being Warren Buffett, even though he's not heavily invested in real estate like we are. But for get his sage advice on that that's always stuck with me. So when you're getting a property, yes, you want to have fair price, but the terms around it that actually produce the cash flow, or what's the condition of the property, where is it? But then the other fundamental numbers, what is your insurance? What are your taxes? And then the final big thing is, if you're leveraging, which I encourage, what's your mortgage? And so as you know, we're probably as obsessed with financing as we are with building right, cuz that's our model. We gotta build right. We gotta finance right. So we're always looking for the most advantageous programs where we can team up with banks. They'll allow us to pay an abnormal amount of points, which means discount points that we will pay, not the buyer, we will pay for our buyers to get the rate the lowest and most advantageous. We don't like short term teaser loans, where your rate's going to adjust in 18 months or two years. We saw a lot of people get in trouble with that, at least I did back in the Oh 708, days. So we want long term financing and low interest that's going to produce a cash flow, even though it's new construction from day one. And so right now, our newest program, as you and I have been talking about very excited, is actually a 40 year loan. It's a 40 year loan. We're paying the rate down. Right now we're at five and a quarter. A few weeks ago is at 4.75 so it does fluctuate back and forth. But here's what's exciting, Keith, you're leveraging into a new construction property that has longevity and durability. The first 10 years. Interest only the next 30 years is a 30 year AM, 30 year fixed at five and a quarter. So when you start to do the numbers and go through it, we're almost doubling cash flow on our single family homes and duplexes for people in areas like Ocala, and that makes such a difference to getting them off on the right foot.    Keith Weinhold  29:32   This is a key distinction. Rather than focusing on slashing the price and your properties are already affordable, you buy down that rate by purchasing discount points to buy down that mortgage rate for the investor at the terms that you just described. Builders often like this more. They don't want to cut their prices, because that can become a comparable and lead to a downgrade in values. And investors actually like it more as well, because rather than discounting the price. A little more. It helps the investor more. When you buy down that rate and you do it for them, they are not the ones participating in the rate. Buy down you, the investor. You're paying the closing costs like origination fee and title insurance and things like that. Okay with those 40 year loan terms like you laid out fixed interest only for the first 10 years, and then after 10 years, it transfers to a 30 year fixed, amortizing loan, still with that same rate locked in. Is that right?   Jim Sheils  30:29   That's correct. So there's no sometimes people think, oh, then it's going to trigger upwards several percent. It stays the same the whole 40 year term. We just go from interest only to principal and interest and again, you know, because you talk about the leverage all the time, the most important time to really solidify the strength of an investment and get cash flow going. The most pivotal time is in those first few years. Yeah, we feel we're really giving people that strong foundation to get a cash flowing right off the bat and be able to look long term. The great thing about new construction is people say, Could you hold it that long? I said, I'm planning to with some of my new constructions. Hopefully I'll be a little old man or my children will own them. But you can look out that far and know that you're jumping your cash flow in those initial years when a lot of people may be falling backwards. In fact, when we talked about those emotional markets where people bought higher end properties because they looked good and they felt good to walk through, and then all of a sudden they're bleeding month in, month out for a year, two years, three years. That's when they're ready to wave the white flag. We find with our model, with getting that rate really low, we're accentuating the cash flow forward those first few years, Keith, so they're ready to keep going after a few years, instead of raise the white flag.   Keith Weinhold  31:41   Yeah, when we think about how you're helping investors here while moving product at the same time, the number of problems that are solved are remarkable because you're solving the higher mortgage rate problem by buying down the rates. You've got a low rate, you've got a low insurance premium, you as the investor are almost certainly going to have low maintenance and repair costs since it's new build. And what else do you do when it's new build? The tenant, when they move in, they're the first person that's ever lived in that property, which probably means they're going to have a longer tenancy duration, because it's hard to move up and move into something better than the product you're offering, especially with low affordability for first time homebuyers. In fact, tell us about your average tenancy duration   Jim Sheils  32:21   yeah. So as you know, Keith, I did a ton of fixer uppers. First 15 years of my career, I wore that rehab badge on my shoulder with pride. I loved rehab and old houses. And look, that's great. That's a great way to get going. But I transitioned into new construction a decade ago, and so we've been able to do a lot of comparisons. And you know, back in the day, when I was fixing up lots of properties and renting them out, the older properties, my average tenant would stay about 13 months. It was a little over a year, get them for a year, and then there was move. But that was the average 13 months. Looking back now, and we've been doing this almost a decade. When you look at our new construction model, that went from an average of about 13 months to just over three years with our new construction product. So as you know, if all of a sudden we're pushing back that first move out from a year or 13 months to over three years, that's a tremendous way again to get the right footing and directional on your investment. So that was a really pleasant surprise. I did not expect going to new construction, but jumping from a year to three years has been a nice surprise.   Keith Weinhold  33:24   This brings to mind for you as a passive investor, it's sort of analogous to buying an existing business or starting a new one from scratch yourself, whether it's a rental car company or a tomato farm. You know, a lot of people wouldn't think about getting into business, they think about buying their own business, starting it from scratch, and that's really difficult to do when you're an investor. This way, you're not doing a fix and flip yourself, which is analogous to starting your own business from scratch. You get to buy someone's existing business. You're buying an existing property, a new build one, in this case, and that way you can look at all the financials already and have it be done for you in that all done for you sort of way, just like it is here. Well, Jim, do you have any last thoughts about the Florida real estate market today, especially with the lucrative product type that you're offering to investors?    Jim Sheils  34:16   I would just remind people do your homework, because there's apples and there's oranges, and you gotta compare the two, and you have to do the homework on which segment of the market is healthy and which one is not. I wouldn't recommend you invest in the unhealthy segment of the market, but look where the fundamentals are working. And go back to that term, a house is worth what it can rent for. And if you can look at that, and also couple with stability of new construction, this is where we've seen ourselves make the most money most success with the least amount of time for our investors. So I highly encourage that recipe for anyone out there.   Keith Weinhold  34:53   In addition to being a builder, Jim's company also holds properties under management. For investors, just like you, they offer that for you. For the long term, they have over 1000 current investors, many of them are GRE listeners. You can learn more about the provider at GRE marketplace under Florida statewide, but to get a free strategy session about the latest in what they have for available inventory, and also to compare this provider to other providers, the highest flex, the highest ROI move that you can make yourself as the listener for your due diligence is to connect with a GRE investment coach. It's free at GRE investment coach.com, oh, it's been valuable. Jim, thanks for coming onto the show.   Jim Sheils  35:38   Thanks for having me. Keith.   Keith Weinhold  35:46   Oh, yeah, hearing it straight from a builder today. And you know, a lot of builders create these nice looking, emotional Type homes, the same ones that appeal to owner occupants. They build those higher end homes because they create more builder profit. Well, that's the segment that has become overbuilt today, this build to rent provider we're talking about here is dealing with a public that reads these articles about the Florida slowdown, though things are still good in this workforce housing market. Well, because the public reads headlines, this builder still has to step in with incentives. So really, this is a case study on what a home builder needs to do to adjust to public perception more so than the reality. That's why Jim and his company keep building when others are they keep building because they keep selling to savvy investors, including you, the GRE listener, conversely, the overbuilt emotional market segment, that's where Florida single family home prices are often about 500k or more, and many of them have stopped building. It's that here, with this workforce housing, brand new, single family rentals sell for the high 200k to 300k range in the three hundreds and duplexes in the four hundreds. We've been working with this provider for nearly a decade, and I've asked them, what can you do for GRE listeners? And these are the best incentives yet, is they basically are making discounts in your favor to deal with this public perception. And they are an interest rate buy down that they make for you, like we mentioned, currently to five and one quarter percent. They're also giving GRE listeners two years of free property management, a rental Protection Program, a six month eviction guarantee and a 210 builder warranty. When you see a builder warranty expressed that way, that means they cover two years on the small stuff, 10 years on the big stuff. The latest pro forma that I saw for their single family rentals had a purchase price of 325k and a cash on cash return of nearly 7% when you include all those generous incentives. So if you're looking for a new market to expand into the time and place could very well be here and now, some people wait for blue sky and everything to be perfect before they act well, that never happens. This is about as close as you'll get today. You'll either keep what you've got or change what you're doing here, Jerry, we constantly shop the nation for you. Our coaches help show you where those deals are that they found. And this is a potential opportunity. Here you can get on the calendar of one of our investment coaches for free. And if you like, start by asking about Florida new build property with all the incentives that you heard about here on GRE podcast, 564 at GRE investment coach.com until next week. I'm your host. Keith Weinhold, don't quit your Daydream.   Speaker 4  39:09   Nothing on this show should be considered specific, personal or professional advice. Please consult an appropriate tax, legal, real estate, financial or business professional for individualized advice. Opinions of guests are their own. Information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of get rich Education LLC exclusively.   Keith Weinhold  39:32   You know, whenever you want the best written real estate and finance info, oh, geez, today's experience limits your free articles access, and it's got paywalls and pop ups and push notifications and cookies disclaimers, it's not so great. So then it's vital to place nice, clean, free content into your hands that adds no hype value to your life. That's why this is. The Golden Age of quality newsletters, and I write every word of ours myself. It's got a dash of humor, and it's to the point because even the word abbreviation is too long, my letter usually takes less than three minutes to read. And when you start the letter, you also get my one hour fast real estate video, course, it's all completely free. It's called the Don't quit your Daydream. Letter, it wires your mind for wealth, and it couldn't be easier for you to get it right now just text gre to 66866, while it's on your mind, take a moment to do it right now. Text, gre to 66866   Keith Weinhold  40:48   The preceding program was brought to you by your home for wealth, building, getricheducation.com  

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In 1990, 11-year-old Robin Cornell and 32-year-old Lisa Story were brutally assaulted and murdered in their Cape Coral home. For over two decades, the case remained unsolved, leaving their families and community desperate for closure. Then, a single piece of evidence—a DNA match—finally brought an answer. But with that answer came an even deeper question: Are we all born free of evil, is it something that can grow within us over time?