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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

En el programa "Mundo Rural" del 21 de noviembre celebramos el Día Mundial de la Pesca. Hablamos de las negociaciones pesqueras de la Unión Europea, con el ministro de Agricultura, Pesca y Alimentación, Luis Planas; y de los hombres y mujeres del mar en el sector español, con el capitán del atunero Cape Coral, Unai Reinoso, desde Bermeo (Vizcaya), y la marinera Águeda Vitoria, desde Alicante.Escuchar audio

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."

Recognized by Nonprofit Times Magazine as one of the most influential philanthropic leaders in America, Michael Chatman is the CEO of The Community Foundation: The Global Center for Generosity located in Cape Coral, Florida. He also previously worked as a Global Corporate Marketplace Ministry leader. In this interview, Dr. Karen speaks with Michael Chatman about … The post Michael Chatman: Philanthropist CEO and “The Christian Beer Man” (Episode # 357F) first appeared on TRANSLEADERSHIP, INC®.

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.

What if the camera on an officer's chest could listen, watch, and turn a call or scene scene into a clean first draft of the report before anyone sits down at a keyboard? We dig into the real-world ways AI is changing police work in Cape Coral—speeding up documentation, meeting urgent NCIC deadlines for missing kids, and giving officers more time where it matters most: with people.We walk through how body-worn cameras now pair with AI to identify call types, pull key details from audio and video, and create structured reports that officers review and approve. That shift doesn't replace human judgment—it protects it, freeing officers from retyping interviews and letting them stay in the field longer. We also unpack a powerful translation feature that detects language on the fly and delivers near real-time two-way communication, cutting delays and misunderstandings when clarity is critical.We talk transparently about total how strategic tech investment can reduce the need for future positions without cutting current jobs, recapturing workload while guarding against burnout. The takeaway is simple: you won't be replaced by AI, but you could be outpaced by leaders who use it well. We're choosing to move forward—measuring results, keeping human skills at the core, and using the right tools to serve Cape Coral better every day.The Cape Coral Police Department is hiring. To apply: www.capecops.com/careers

We've got MLB play-offs, WNBA talk? NFL and of course, tons of College Football to talk about. Join us while we talk live from No.3 Craft Beer in Cape Coral, Florida! Give us a listen, give us a share!

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.

Language can be the difference between getting help in a crisis or suffering in silence. It's Hispanic Heritage month, and in this special edition of 'Chiefs Chat' on the Cape CopCast, Cape Coral Police Chief Anthony Sizemore sits down with Officer Carlos Prieto and Officer Amanda Rodriguez to explore how the police force is evolving to serve its rapidly growing Spanish-speaking community.While officially documented at 25% Spanish-speaking, Chief Sizemore believes Cape Coral's Hispanic population is closer to 30% or higher. This population shift presents unique challenges for emergency services, particularly during high-stress situations when communication barriers can mean the difference between life and death. As Officer Prieto eloquently explains, when a domestic violence victim sees an officer who speaks their language, it creates an immediate sense of trust and comfort that encourages them to share crucial information.Both officers bring powerful personal perspectives to the discussion. Officer Prieto shares his journey from Cuba in 2012, fleeing communism and waiting five years to become a US citizen before joining the force. Officer Rodriguez, born in Puerto Rico and a Cape Coral resident for over 20 years, transitioned from being a 911 call taker to fulfilling her dream of becoming a police officer. Their stories illuminate why representation matters in effective policing, beyond simply meeting diversity statistics.The message to Cape Coral's Spanish-speaking residents is clear and compassionate: don't hesitate to call the police when you need help. It's about ensuring everyone enjoys the safety and protection they deserve. As Officer Rodriguez reassures listeners, "If you come to this country to work and fight and move forward, we're here to support you." 

Another night of recording at No.3 Craft Beer in Cape Coral! We've got MLB, NFL and a loaded Week 4 of the College Football season!  Give us a listen, give us a share!

In this episode of The Liquidity Event, AJ and Shane return from the Future Proof Wealth Management Festival with stories of Weezer, Bush, and the perils of leaving conferences too early. They dig into a New York Times article about using ChatGPT to tackle credit card debt, from spreadsheets to selling watermelons, and debate whether AI is democratizing financial advice or just creating quirky side hustles. The duo also unpack the harsh realities of sudden windfalls, from Powerball winners to stock concentration, and field a listener question about holding too much employer equity in retirement. Along the way, AJ champions late-night networking, Shane shouts out his accountability coach, and both remind us: diversify, diversify, diversify. Timestamps (00:34) Intro – Ally Jane Ayers and Shane Mason kick off Episode 158. (01:18) Ally's “radio host” voice and Shane's zen brain. (02:12) Shoutout to Sherry Mason Real Estate in Cape Coral, FL. (03:22) Segues gone wrong and the Future Proof conference in Huntington Beach. (05:17) Conference quirks – Weezer, Third Eye Blind, Blues Traveler, and Bush. (07:02) Why AJ always leaves early and Shane always stays late. (09:13) Conference strategy – accountability coaches, goals, and nighttime networking. (12:04) “Your soulmate is at the afters” and why happy hours matter. (12:34) NYT article – using ChatGPT for financial advice and debt payoff. (14:37) Success stories – spreadsheets, budgeting, plasma donations, and almost selling feet pics. (16:06) Access and immediacy – why AI fills a gap financial advisors can't. (17:38) Reflections on Brooklyn FI's early late-night client meetings. (18:46) Lottery winners and hard lessons ahead of the $1.8B Powerball. (20:50) Quick Picks vs. lucky numbers – let the computer decide. (22:40) AJ's advice for sudden money windfalls – spend 1% and get a care team. (23:59) Shane's fantasy purchases: boat or flashy watch. (24:41) Building your financial “care team” for long-term stability. (25:35) Listener question – is 50% in one stock too much? (27:23) The risks of concentration and why diversification matters. (28:34) AJ's plan: sell 25% now, the rest over three years, or gift it. (30:20) Imagining being the kids of parents who “don't care” about millions. (30:41) Closing – diversify, send us your financial questions, or just post them on Reddit.

En octobre 2019, deux femmes sans lien apparent sont retrouvées mortes à Cape Coral, en Floride, en moins de deux jours d'intervalle. Chacune a été tuée avec une violence glaçante. L'homme derrière ces crimes s'appelle Wade Steven Wilson, un nom qui évoque un super-héros pour les connaisseurs, mais qui cache un tueur bien réel.Derrière son regard froid et son sourire en coin se cache un passé tordu : abandon, coups à la tête, drogues et colère incontrôlable. Pourtant, Wade a grandi dans une famille présente où rien ne le prédestinait à une telle violence. De manière inattendue, la descente aux enfers de Wade Wilson enflamme bientôt les réseaux sociaux, où certains le surnomment le « TikTok Killer » ou encore le « Deadpool Killer », fascinés par son physique et son allure de bad boy.Comment Wade Wilson, malgré une bonne éducation, a-t-il pu sombrer dans une telle folie meurtrière ? Une histoire vraie de l'ère des réseaux sociaux où la réalité dépasse la fiction.Obtenez 25 $ de rabais, 10 Go gratuits et 1 mois d'internet gratuit avec FIZZ! Activez votre forfait avec le code promo PODZZ sur fizz.caÉrosEt Compagnie : 15% de rabais avec le code DistorsionPatreonSite WebBoutique Hébergé par Acast. Visitez acast.com/privacy pour plus d'informations.

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

When a child with autism wanders away from safety, every second counts. Now, thanks to Florida's new Spectrum Alert system, there's a structured response that could save lives.In this episode of the Cape CopCast, the Cape Coral Police Department  welcomes Family Initiative Vice President Anjali Van Drie and Director of Community Development Stephanie Hoffman to discuss this crucial safety development. Family Initiative, celebrating a decade of service in Cape Coral, has witnessed firsthand how the prevalence of autism has skyrocketed from 1 in 110 to 1 in 31 children. This non-profit's comprehensive approach includes everything from clinical services and a specialized K-12 school to community programs for individuals of all ages on the spectrum.The conversation centered on Florida's Spectrum Alert system, which launched July 1st. Similar to Amber and Silver Alerts, this notification system activates when a person with autism elopes—a frighteningly common occurrence that affects over 50% of individuals with autism. What makes this particularly dangerous in Southwest Florida? Water attraction. Many children with autism are drawn to water for sensory reasons, and with Cape Coral's abundant canals and waterways, the risk is significant. Last year alone, over 60% of childhood drowning deaths in Florida involved children with autism.This partnership goes beyond alerts. The Cape Coral Police Department is implementing scannable identification bracelets and receiving specialized training from Family Initiative to better interact with nonverbal individuals. Meanwhile, Stephanie Hoffman shared both professional and personal perspectives as both an organization leader and mother to a child with autism, offering practical safety measures families can implement: specialized locks, alarms, tracking devices, and proactively introducing children to neighbors and "safe strangers" like police officers.Perhaps most important was the reassurance that parents should call police immediately when a child wanders—not wait until they've exhausted their own search efforts. Officers would much rather respond and find a child already safe than arrive too late; their goal is safety, not judgment.Reach out to the Cape Coral Police Department or Family Initiative to learn more about Spectrum Alert and available resources. Together, we're building a community where our most vulnerable members are protected through understanding, preparation, and swift action.Learn more about Family Initiative here: https://www.fi-florida.org/

Crime is down 28% in Cape Coral, and in this episode of the Cape CopCast 'Chief's Chat,' we're breaking down exactly how it happened. Despite our growing population and increasing calls for service, we've achieved remarkable reductions across both violent and property crime categories while maintaining solvability rates well above national averages.What's our secret? Chief Anthony Sizemore says it's right there in our mission statement: "Partnering with the community to ensure the highest level of safety for all." This isn't just aspirational language—it's a practical approach that yields measurable results. When community members lock their doors, report suspicious activity, and maintain open lines of communication with officers, we create a foundation for success. Combine that with strategic deployment, advanced technology, and dedicated personnel who genuinely care about this city, and you've got a winning formula.We're particularly proud of our recent CALEA assessment—the gold standard in law enforcement accreditation that we've maintained since 1989. Assessors came to the department and conducted an exhaustive evaluation of our policies, procedures, and practices, from use of force guidelines to hiring practices that reflect our community's diversity. The result? The most successful evaluation in our department's history, with assessors recommending us as a national model in several areas. This recognition validates the significant innovations we've implemented over the past five years and confirms we're not just meeting standards—we're setting them.Looking ahead, we're expanding our ranks to keep pace with Cape Coral's growth, creating promotional opportunities from top to bottom within our organization. This combination of proven success, external validation, and internal development has created tremendous momentum. Have questions about our approach to community safety? Reach out—partnership is what makes this work, and we're just getting started.

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.

School is almost back in session and the RedSpeed school zone cameras will be rolling!Join hosts Lisa Greenberg and Officer Mercedes Simonds as they welcome Chief Sizemore for a straightforward conversation about the RedSpeed school zone cameras returning on August 11th.Think of this as your essential back-to-school refresher – except instead of school supplies and new clothes, we're talking about keeping kids safe on their way to class. Chief Sizemore breaks down exactly how the program works with crystal clarity: "Nothing changes from before, except there's cameras to capture the speed. That's it." When those yellow lights are flashing, it's 20 mph. During regular school hours, it's the standard posted speed limit. Simple as that.The team addresses common questions and misconceptions head-on. No, this isn't a revenue scheme (they'd prefer zero tickets). Yes, there's a 10 mph buffer before violations trigger. And drivers have options when they receive a notice: pay the $100 fine, contest it, or identify another driver. The worst choice? Ignoring it, which escalates to a formal citation with potential license points after 30 days.Beyond the mechanics, the conversation reveals the human stakes. Chief Sizemore shares sobering reminders of past tragedies involving students and how speeding directly correlates to crash probability. The program aims to modify driver behavior and create safer streets for everyone – not just students, but all Cape Coral residents.Ready for the new school year? Slow down, watch for flashing lights, and remember that patience is essential during those first chaotic weeks of school traffic. Visit CapeCops.com for comprehensive FAQs and additional resources to navigate the RedSpeed program. Your attention behind the wheel could save a life – and that's what this is all about.

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  

FTO Coordinator Sergeant Gerry Buonocore joins the Cape CopCast to take us behind the scenes of the Cape Coral Police Department's comprehensive training program, revealing the journey from recruit to fully-qualified officer. With eleven years on SWAT, experience as an undercover Narcotics Detective, and now serving as the department's Field Training Officer Coordinator, Sergeant Buonocore brings unique perspective to the conversation about what makes an effective police officer.What does it really take to wear the badge? The answer might surprise you. The training pipeline spans approximately nine months – six months at the Academy, nine weeks of Department-specific training, and nearly 50 days of closely supervised field training. The Cape Coral Police Department recently enhanced their pre-deployment phase to include patrol rifle certification, speed measurement certification, and Crisis Intervention Team training before officers even hit the streets. This strategic move ensures new officers are fully equipped from day one.Throughout our conversation, Sergeant Buonocore emphasizes that communication skills are key when it comes to effective policing. "If we can handle a situation just using our communication skills, that's always going to be the best outcome," he explains. While the department maintains high standards and isn't afraid to dismiss trainees who don't measure up, their primary goal is setting officers up for success through thorough preparation and mentorship. The badge and gun come with "an immense responsibility" that requires not just physical courage but emotional intelligence and sound judgment.Sergeant Buonocore reflects on the balance between administrative duties and field work, the brotherhood formed through shared experiences, and the continued community support that makes Cape Coral unique. Ready to learn more about what happens before an officer responds to your call? Listen now and gain a new appreciation for the men and women who protect and serve.

What does today's housing data tell us about tomorrow's economy? On this episode of REady2Scale, Jeannette Friedrich sits down with Lance Lambert, CEO of Resi Club and former real estate editor at Fortune Magazine, to unpack the real story behind housing inventory levels, affordability pressures, and regional price corrections. From Sunbelt softness to generational shifts in homeownership, Lance offers a grounded, data-informed view of where we stand and where we may be headed. Key Takeaways: Inventory is building, but not fully recovered: Active listings have passed one million for the first time since 2019, though total inventory is still below pre-pandemic norms. The increase is driven more by slower sales than a surge in new supply. Affordability remains a constraint: Home prices grew faster than incomes during the pandemic boom. With mortgage rates still elevated, many homeowners are hesitant or unable to move. Underwater mortgages are highly concentrated: While only about 1% of U.S. mortgages are underwater nationally, pockets in the Sunbelt, like Cape Coral and Austin, show higher risk. These cases are mostly limited to 2022 buyers. Regional bifurcation is widening: Sunbelt markets and parts of the West are softening, while many Midwest and Northeast markets are holding firmer due to tighter supply. The “locked-in” effect is real: Homeowners with low mortgage rates are staying put, reducing turnover. The current level of home sales per capita is at a 40-year low. Generational timing is shifting: The average age of first-time homebuyers is now 38, up from 33 just five years ago, driven by both affordability and lifestyle delays. Builders are feeling the pressure: New construction inventory is at a decade high, and developers are relying more on incentives and price cuts to move product. The housing shortage debate is nuanced: Estimates of how short the market is vary significantly. Some regions have a true supply gap, while others show little evidence of shortage when adjusted for population and household formation. What could shift the market: Income growth, rate adjustments, and time-driven lifestyle changes may gradually unlock inventory and restore balance. This episode is a detailed, research-backed conversation for anyone seeking clarity on how structural shifts and economic forces are shaping the future of U.S. housing. Are you REady2Scale Your Multifamily Investments? Learn more about growing your wealth, strengthening your portfolio, and scaling to the next level at www.bluelake-capital.com. Credits Producer: Blue Lake Capital Strategist: Syed Mahmood Editor: Emma Walker Opening music: Pomplamoose *

The danger comes from corded phones or mobile devices being actively charged during a storm. If your phone is charging and you're holding it when lightning hits, you're connected to your home's electrical system—putting you at risk. Taking a shower, washing dishes or even running water from the tap can also put you in harm's way. Even non-metal pipes can conduct electricity through the water itself. An insurance adjuster in Cape Coral, Florida, recently filmed heavy damage in a bathroom due to a lightning strike. Also, got outdoor plans for the Fourth of July? AccuWeather has you covered with an array of information across the lower 48 United States. Learn more about your ad choices. Visit podcastchoices.com/adchoices

The housing market has finally reached a pivotal turning point. After years of frenzied buying, skipped inspections, and astronomical prices, we're witnessing a much-needed stabilization that brings good news for both homebuyers and inspection professionals.Our latest market analysis reveals that 44% of current listings have sat for over 60 days—representing a staggering $700 billion in inventory. This extended time on market means sellers are becoming realistic about pricing, with the average sale price now falling below asking. The days of waived inspections and desperate bidding wars appear to be fading into memory.Florida continues to function as our market crystal ball. Areas like Orlando, Tampa, and Cape Coral that saw appreciation rates 11% above the national average are now cooling significantly. What happens in the Sunshine State typically rolls across the country within six months, signaling better days ahead for inspection businesses nationwide as buyers regain negotiating power.Meanwhile, the home inspection industry faces a technological revolution as AI reshapes our profession. While some fear these changes, we see opportunity for those willing to adapt. The most successful inspectors will embrace AI tools to enhance efficiency while maintaining the irreplaceable human expertise that clients trust. Those clinging to outdated methods—like handwritten reports—may find themselves increasingly marginalized as the industry evolves.Construction trends show interesting patterns with high-density luxury apartments dominating many areas rather than single-family homes. And contrary to predictions, the "gray wave" of Baby Boomers selling their homes hasn't materialized, with most choosing to age in place. Interestingly, Gen Z shows remarkable enthusiasm for homeownership despite market challenges, potentially driving future transaction volumes.The worst appears behind us. The mass exodus of inspectors has largely stopped, and even newer professionals are finding their footing. For established inspection businesses willing to embrace change while maintaining quality, the future looks increasingly bright. Are you positioning yourself to thrive in this evolving landscape?Check out our home inspection app at www.inspectortoolbelt.comNeed a home inspection website? See samples of our website at www.inspectortoolbelt.com/home-inspection-websites*The views and opinions expressed in this podcast, and the guests on it, do not necessarily reflect the views and opinions of Inspector Toolbelt and its associates.

In this episode, we talk about motorcycle riding jeans.  We give you some options of jeans we have tested at varying price points and options.  Wearing protective motorcycle riding jeans is one of the smartest things you can do for your safety and comfort on the road. Here's why: 1. Abrasion Resistance Regular denim shreds in seconds during a slide. Motorcycle riding jeans are reinforced with abrasion-resistant materials like Kevlar®, Dyneema®, or Aramid fibers that can withstand a crash at high speeds—helping protect your skin from painful and serious road rash. 2. Impact Protection Many motorcycle riding jeans come with CE-rated armor in the knees and hips, which helps absorb and distribute the force of impacts, reducing the risk of broken bones or bruising during a crash. SUPPORT US AND SHOP IN THE OFFICIAL LAW ABIDING BIKER STORE 3. Discreet and Stylish Modern motorcycle riding jeans look and feel like normal jeans, but with built-in protection. You don't have to compromise style for safety—perfect for commuting, casual rides, or hanging out off the bike. 4. All-Day Comfort Unlike stiff racing leathers, protective motorcycle riding jeans offer breathability, flexibility, and comfort while riding and walking, making them ideal for long days or urban riding. 5. Peace of Mind You never plan to crash—but if you do, your gear could be the difference between walking away or weeks in the hospital. Protective motorcycle riding jeans give you a layer of confidence and security. CHECK OUT OUR HUNDREDS OF FREE HELPFUL VIDEOS ON OUR YOUTUBE CHANNEL AND SUBSCRIBE! Motorcycle Riding Jeans we've tested and recommend: Icon Uparmor Jeans Alpinestars Radon Denim Riding Pants Alpinestars Copper V3 Denim Riding Pants NEW FREE VIDEO RELEASED: Step-by-Step: Adjust Your 2024 Harley's Rear Suspension Like a Pro 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: Wendell Rhinehart of Cape Coral, Florida Mark Plank of Temple, Texas Richard Smith of Niagara Falls, New York HELP SUPPORT US! JOIN THE BIKER REVOLUTION! #BikerRevolution #LawAbidingBiker #Bikaholics #RyanUrlacher

The Cape Coral Police Department's Honor Guard stands as the living embodiment of law enforcement tradition and respect. Sergeant Joe Zalenski and Officer Steven Klakowicz pull back the curtain on this specialized unit in this episode of the Cape CopCast.Described as wearing "the tuxedo of police uniforms," these officers serve as the formal representation of the Cape Coral Police Department at events ranging from community celebrations to the most somber of occasions. With approximately twenty members drawn from various divisions throughout the department, the Honor Guard represents the entire agency while preserving the ceremonial aspects of policing that connect today's officers with generations past.Among their most solemn duties is attending line-of-duty death ceremonies for fallen officers across Florida and beyond. Officer Klakowicz and Sergeant Zalenski share experiences making hours-long journeys to stand in formation and honor officers who made the ultimate sacrifice. The emotional weight of these moments is so significant that "part of the Honor Guard uniform is issued sunglasses" to help officers maintain their composure during these difficult ceremonies.The conversation takes listeners to Washington DC during National Police Week, where thousands of officers from around the world gather to commemorate fallen colleagues. Cape Coral's Honor Guard participated in ceremonies at the National Law Enforcement Officers Memorial, standing alongside officers from departments large and small, domestic and international. This powerful demonstration of brotherhood reminds us that despite geographic distances, all officers share a common bond and purpose.Whether presenting colors at local ceremonies, carrying the department's official flag (recently redesigned through collaboration with local students), or representing Cape Coral at national events, these officers uphold traditions that connect present-day policing with its rich history. As Sergeant Zalenski says in this episode, "It's important that we all have a sense of where we've come from in order to know where we're going."

Marlena Velez was arrested twice in late 2024 for stealing from a Target store in Cape Coral, Florida. Police went to Velez's home in November 2024 after 7 a.m. and put her in handcuffs. Body-worn cameras recorded an officer questioning Velez about her Target trip which was recorded by a store surveillance camera. Law&Crime's Angenette Levy goes through the footage in this episode of Crime Fix — a daily show covering the biggest stories in crime.PLEASE SUPPORT THE SHOW: If your child, under 21, has been diagnosed with type 2 diabetes or fatty liver disease, visit https://forthepeople.com/food to start a claim now! Host:Angenette Levy https://twitter.com/Angenette5Producer:Jordan ChaconCRIME FIX PRODUCTION:Head of Social Media, YouTube - Bobby SzokeSocial Media Management - Vanessa BeinVideo Editing - Daniel CamachoGuest Booking - Alyssa Fisher & Diane KayeSTAY UP-TO-DATE WITH THE LAW&CRIME NETWORK:Watch Law&Crime Network on YouTubeTV: https://bit.ly/3td2e3yWhere To Watch Law&Crime Network: https://bit.ly/3akxLK5Sign Up For Law&Crime's Daily Newsletter: https://bit.ly/LawandCrimeNewsletterRead Fascinating Articles From Law&Crime Network: https://bit.ly/3td2IqoLAW&CRIME NETWORK SOCIAL MEDIA:Instagram: https://www.instagram.com/lawandcrime/Twitter: https://twitter.com/LawCrimeNetworkFacebook: https://www.facebook.com/lawandcrimeTwitch: https://www.twitch.tv/lawandcrimenetworkTikTok: https://www.tiktok.com/@lawandcrimeSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

A recent story from NYC documents two slaughtered chickens that were found on an Upper West Side median, following a recent similar case close by on Broadway and West 92nd Street. The NY Post reports that this “has activists worried they were killed in an animal sacrifice ritual.” Headless goats, chickens, and pigeons have also been found in Texas and Florida, respectively Galveston beach, a Tampa cemetery, Cape Coral, the Courtney Campbell Causeway - and other locations too.Most of these cases are tied directly or indirectly to Santería, an Afro-Caribbean religious practice that developed in Cuba during the 19th century. As a mixture of Yoruba religion from West Africa, Spiritism, and even Catholicism - like Voodoo -  it involves animal sacrifices. Contrary to popular belief or personally bias belief, the US SCOTUS ruled in Church of the Lukumi Babalu Aye v. City of Hialeah (1993) that certain animal sacrifices were legal. One opinion on the case reads: “Our review confirms that the laws in question were enacted by officials who did not understand, failed to perceive, or chose to ignore the fact that their official actions violated the Nation's essential commitment to religious freedom.”It's also ironic that Catholicism, a universal religion of people who drink symbolic blood and eat symbolic flesh, is the partial basis of Santería - and Voodoo; both condemned by the largely Christian west. The Corpus Christi and Transubstantiation are based on the concept of sympathetic magic, that life itself is in the blood, and that this force belongs to God as per Deuteronomy and Leviticus. Drinking the blood bestows life, i.e., it is a medicinal remedy, though of a more spiritual variety. That is despite the Bible itself being filled with and overflowing with animal blood, from Genesis to Revelation, and the fact Christians, far more than any other group, are considered the largest consumers of pork alone, not to mention other meats. And unlike HALAL or KOSHER dietary rules, Christians have none for the slaughter of their meals. Around 100,000 cattle are slaughtered daily in the US for the luxury of meat, along with 25 million chickens and 350,000 pigs. The worst part, estimates are that approximately 1/4 of all US meat is wasted annually. What's worse, religious animal sacrifice or gluttonous animal sacrifices that go to waste? Although Christians maintain the blood and flesh rituals, many distance themselves from the idea, while the Jewish custom of Kapparot involves the slaughter of a chicken and public sins. Animal sacrifice for strictly religious purposes and in honest faith - not to mention the symbolic nature of such sacrifices as they relate to the carnal self - are one thing, but the ritualized nature of abortion and body/organ harvesting is another.In South Africa it is common for some children, especially albino ones, to be sold or kidnapped for body parts and organs. Albinos are believed to contain good fortune within their body and blood. As Daily Mail reports: “those who believe in black magic and traditional medicine claim their fair skin and eyes can bring good fortune and cure afflictions.” Be it for religious rituals, health, or profit, Planned parenthood was also doing something similar as per undercover videos and singer like Azealia Banks performed live chicken sacrifices in her closest. In the last 15 years there have been multiple stories about Chinese-made infant flesh pills being smuggled into Korea. All throughout Europe during the 16h-17th centuries, without doubt, “many Europeans, including royalty, priests and scientists, routinely ingested remedies containing human bones, blood and fat as medicine for everything from headaches to epilepsy.” And as with Countess Elizabeth Báthory, who believed the blood of young women would protect her skin, Stanford scientists have found that “old mice given infusions of blood plasma from young mice outperformed old mice who got plasma from old mice.” In the 1960s the rubella shot was manufactured with a virus grown from human fetal cells, taken from an abortion case. *The is the FREE archive, which includes advertisements. If you want an ad-free experience, you can subscribe below underneath the show description.-FREE ARCHIVE (w. ads)SUBSCRIPTION ARCHIVEX / TWITTER FACEBOOKYOUTUBEMAIN WEBSITECashApp: $rdgable EMAIL: rdgable@yahoo.com / TSTRadio@protonmail.comBecome a supporter of this podcast: https://www.spreaker.com/podcast/the-secret-teachings--5328407/support.

All my problems started with my Super Mario Birthday Party... Do you think my Mom answer basic airport trivia questions before our big trip? Become a Certified Fan! Help support the podcast and get our Thursday show, More Mama's Boy! Adopt An Episode! Want to show us a little extra love? Adopt an Episode and get a personal shoutout in an upcoming show! This episode was adopted by the amazing Kelli S. from Cape Coral, Fl. Thank you!! Listen to my other podcast, “Kramer and Jess Uncensored”! Learn more about your ad choices. Visit megaphone.fm/adchoices

In this chilling new episode of the Low Meins Asylum Show, we break down another raw and emotionally charged jail call from Wade Wilson, the convicted killer behind two horrific murders in Cape Coral, Florida. This time, Wade is on the phone with Vivian and she's had enough of the manipulation. We play the full call (audio via YouTube), analyze Wade's disturbing emotional tactics, and spotlight Vivian's quiet strength as she pushes back against the psychological warfare. Is Wade truly remorseful or just angry he's losing control? Tap in as we dissect every moment and expose the toxic patterns behind bars.

Update: Duck that was 'terrorizing' a Cape Coral neighborhood has been relocated to Ocala, Father and son who were on fishing trip are the latest to have a 'credible' Bigfoot encounter, Duvaaaal....Jacksonville man caught on camera putting a $650 ferret down his shorts in pet store

What happens when the people who respond to everyone else's worst moments need help themselves? In this episode of Cape CopCast 'Chief's Chat,' Chief Anthony Sizemore brings us inside the cultural transformation at Cape Coral Police Department, where officer wellness has evolved from a taboo topic decades ago to an organizational priority.The stark reality of law enforcement creates a unique mental health challenge: officers and professional law enforcement staff witness trauma at rates far exceeding the general population while balancing family responsibilities and the everyday stresses of life. For far too long, seeking help was viewed as weakness. Today, the Cape Coral Police Department is leading a different approach, deliberately weaving wellness into every aspect of department operations.From developing a robust peer support program to applying for federal wellness grants, the department is investing in comprehensive solutions. The initiatives cover physical fitness, healthy meal planning, family support systems, and leadership training focused on early intervention. Chief Sizemore shares how supervisors are being equipped to recognize warning signs – late arrivals, behavior changes, performance issues – that might indicate an officer is struggling, and to respond with compassion while maintaining accountability.This isn't just about officer wellbeing; it directly impacts public safety. As Chief Sizemore explains, "A well officer is better for the community because that's what's going to be showing up to your home." When officers have tools to process their own trauma, they're better equipped to help people during crisis moments. By transforming how they support their people, the department is ultimately enhancing how they serve Cape Coral. 

Things get a little too mischievous this week on Live, Laugh, Larceny! Trevin can't stop wasting pineapple—despite his best efforts—and Amanda's already slapping mosquitoes in March. Are we sure summer didn't skip spring? The crew plays a wild round of Two Truths and a Lie: Trevin goes full Animal Planet with facts about quokkas, capybaras, and honey badgers, while Amanda brings props and Pop Rocks to test Trevin's sweet tooth and smarts. Then it's time for storytime, where the crimes may be labeled “mischief,” but the drama goes way deeper.

There is a duck terrorizing a neighborhood in Cape Coral, Britney Spears gets a warning after lighting up a smoke on a plane, Man arrested for public intoxication while practicing martial arts, Demon from a Ouija Board named 'Seven' says today is the end of the world

The latest episode of the Cape Copcast welcomes Property Crimes Unit Detective Jenna Newton, who takes listeners on an eye-opening journey from the high-crime streets of Las Vegas to the canals of Cape Coral. Her story shows the contrasts between policing environments—trading two robberies per night and constant gang surveillance for unlocked garage doors and watchful neighbors.Detective Newton's path wasn't always aimed at investigations. She originally aspired to work in the K9 Unit, but discovered a passion for digging deeper into cases. Now as a property crimes detective, she tackles vehicle burglaries and construction site thefts while educating the community about crime prevention. Her insider perspective on why criminals target Cape Coral—precisely because residents feel safe enough to leave doors unlocked—offers valuable insight for people looking to protect their property.Beyond her detective work, Newton shares what makes the Cape Coral Police Department unique. From her service with the Honor Guard to her famous "joke of the day" that lightens the mood before shifts, you'll get a dose of humanity behind the badge. Her appreciation for Cape Coral's supportive community—where citizens regularly thank officers rather than antagonize them—highlights why she plans to retire in the same city where she serves.Whether you're curious about law enforcement careers, crime prevention, or simply want to understand your local police department better, Detective Newton's candid conversation offers something for everyone. Her message to residents: don't hesitate to report suspicious activity. As she puts it, "It's better to call and have it be nothing than to wish you had called later."

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?

A legal loophole exposed by a recent school threat case in Cape Coral has sparked an urgent conversation about public safety and legislative reform. When an individual made a verbal threat that was subsequently recorded and posted online, the Cape Coral Police Department was able to charge the person who shared the video, but not the person who actually made the threatening statements.In this week's episode of the Cape CopCast 'Chief's Chat,' Chief Anthony Sizemore shifts to co-host with Public Affairs Officer Lisa Greenberg. We sit down with State Representative Mike Giallombardo to unpack this critical issue and explain the path toward closing this significant gap in Florida's threat laws. We dive into how legislation actually works—the methodical, multi-layered process designed to produce thoughtful, effective laws.State Rep. Giallombardo walks listeners through the complex journey of a bill, from initial conception through committee stops in both chambers of the legislature, highlighting the deliberate "speed bumps" built into the system that prevent emotional reactions from creating problematic laws. The conversation reveals the careful balance legislators must strike: addressing genuine threats that endanger school safety while avoiding overcriminalization, particularly when it comes to young people who may say foolish things without genuine intent to cause harm.This behind-the-scenes look at government collaboration demonstrates how professional relationships between law enforcement and elected officials can lead to real-world solutions that protect communities. Listen in to gain rare insight into the machinery of government actually working as intended—identifying problems, formulating solutions, and navigating the complex path toward meaningful change.Learn more about State Rep. Giallombardo here: https://www.flhouse.gov/Sections/Representatives/details.aspx?MemberId=4783&LegislativeTermId=91

Send us a textGUEST: DAVID MITZENMACHER, chairman, Founders MinistriesThere have always been subversive people within the church and there always will be. One aspect of great neglect for far too many pastors today is not warning their churches about them. Whether the pastor doesn't have the discernment to see error or whether he's unwilling to be “negative,” the result is the same—Christians led astray “by smooth and flattering speech” (Romans 16:18).In the week leading up to Easter, Christianity Today, led by editor-in-chief Russell Moore, published an article with the headline “Was Jesus Crucified with Nails?” The Bible is abundantly clear that He was (cf. John 20:25) so why let this article see the light of day?David Mitzenmacher, associate pastor of Grace Baptist Church in Cape Coral, FL and chairman of Founders Ministries joins us this weekend to discuss subversive influencers within the professing church, specifically with the example of Russell Moore.

Keith discusses strategies for building wealth in real estate, emphasizing efficient property operations and leveraging. He suggests setting tenant occupancy limits, sub-metering utilities, and increasing rentable space. He explains the leverage ratio, which measures the relationship between debt and equity, and advises maintaining a high ratio for better returns.  Hear his take on the Florida's real estate market, including falling property values, oversupply, and rising insurance premiums. Despite these issues, Keith remains optimistic about Florida's long-term potential due to its population growth and low taxes. Free Resources: Connect with a free GRE Investment Coach at GREinvestmentcoach.com Show Notes: GetRichEducation.com/551 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.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  0:00   Welcome to GRE I'm your host. Keith Weinhold, today, the two things you've got to focus on if you're ever going to build wealth as a real estate investor, why Trump wants to fire Fed Chair Jerome Powell, then, is Florida real estate doomed with falling property values, a housing oversupply, spiking insurance premiums and slowing population growth. It's episode 551, of get rich education.    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 the flipper or landlord. Show Host Keith Weinhold writes for both Forbes and Rich Dad advisors, who 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 and key top selling personal finance author Robert Kiyosaki, get rich education can be heard on every podcast platform, plus it has its own dedicated Apple and Android listener phone apps build wealth on the go with the get rich education podcast. Sign up now for the get rich education podcast or visit get rich education.com   Speaker 1  1:16   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  1:32   Welcome to GRE from Manhattan, Kansas to the finance capital of Manhattan in New York City, and across 188 nations worldwide, you are back inside get rich Education. I'm your host, and my name is Keith Weinhold. I think you know that by now, because we deliver weekly shows more steadily and predictably than a new tariff policy. I've got more on tariffs in a funny clip on Trump wanting to fire Jerome Powell in stories on that level soon. But first, you know one thing that I've made you mindful of lately is that a successful real estate investor needs to pay attention to two big things if you want to build wealth First, keep your property operations efficient. This is your cash flow function. And second look at your net worth statement, and be mindful that you are leveraging as many dollars as you responsibly can. Let me break down both of these for you so that you can see what I really mean here the first one, keeping your property operations efficient. That means that right up front, with a new tenant in the application, find out how many tenants are going to live there, and firmly let them know that they cannot exceed this or that they're in violation of the lease. Can you get 20% more rent, or even 50% more rent by furnishing your unit and marketing it not as a long term rental, but as a midterm rental, and targets, say health professionals that are traveling if you're in a hot rental market. Can you simply keep the rent the same, but have new incoming tenants pay a utility bill for you that you had previously been paying by sub metering your utilities. Other examples of taking the rental property you already have and making it more efficient, you know, there are more classic items, like increasing your rentable space, renting out separate on site, storage space, adding a carport, charging pet rent or just boosting the curb appeal. Can you build an adu on your property? How about appealing your property taxes or automating your rent collection. Why don't you take a look at your insurance policies? You know, a lot of them have $1,000 deductibles. Well, if you're an economically resilient investor, consider raising your deductibles to 5k that way you lower your insurance premium and increase your cash flow that way. I mean really, putting in insurance claims can be somewhat of a pain anyway. Okay, well, right. There were maybe, I don't know, 10 or 15 quick ideas for streamlining your property's operations and increasing your cash flow. Now, don't try to do every one of them, but if there's at least one or two that you can think of as low hanging fruit to go ahead and harvest with the nature of what you've got going in your portfolio. And you know, ideas like I just shared there, you can hear about that on some other real estate investing platforms. But you know what the bigger gain. Is that you can actually make they take less work and fewer people talk about these things all right, and that's the second thing I'm talking about. Yes, it is typically more profitable for you and less work for you. If, instead of all those things, you increase your leverage ratio. Now, doing this does not help your cash flow, it helps your net worth. And net worth is something that you can later convert to cash flow. And this second one increasing your leverage that's a strategy that you just don't hear about on very many real estate investing platforms. So I haven't discussed leverage ratio in a long time. So let's talk about what it is, how you can improve yours, and then what it does for building your wealth. Okay, it's the relationship between your debt and your equity, and here's how to determine yours, and then I'll tell you how you're performing. Once you've determined yours, you might even be able to do it roughly in your head. All you do is take the total value of all the real estate that you own and divide it by your loan balances. That's it. Say you own a million dollars worth of real estate and you've got 500k of total debt on all that real estate. Well, it's really simple. Just divide your value a million bucks, buy your debt, 500k and your leverage ratio is two to one. Let's just call that two. If you're looking to build wealth, that number of two is kind of low. It should be higher. It means that you've got 50% equity in your property. Now say that instead, on the day that you bought that million dollars in real estate, you only made a 200k down payment. That's awesome. A million bucks divided by 200k your leverage ratio is five. All right. Well, what are these numbers really mean? Like this two and this five? All right, it's important because it is what you use to multiply your real estate's rate of appreciation by in order to find your rate of return. So just say that your real estate appreciates 4% this year. If your leverage ratio is just two, that's only an 8% return on your skin in the game. But if you've got more debt and your leverage ratio is five, then a 4% return means you've got a 20% return on your skin in the game. Do that keep your leverage ratio high? Now, what if your leverage ratio falls all the way down to a one. What does that mean? Oh, dear, you're not really doing much to build wealth because all of your properties are paid off. You don't have any mortgages on them. So if you're down to a one, all you've got working for you, from an appreciation standpoint, is compound interest. That's the point at which you've fallen from a compound leverage instrument down to a compound interest instrument. And as we know here at GRE which is counter to the mainstream world. And yeah, the mainstream world is where you have to work all of your life at a job you hate. And that's what you'll do if all you have is unlevered compound interest, all right, and if all you have is unlevered compound interest, well, don't book your Blue Origin flight quite yet. You're not going to go on one you can count on sitting behind a desk for decades instead.   All right. Well, how do you determine your leverage ratio? Again, it's your total real estate value divided by your equity. All right. Now, how do you keep your number high? By making new purchases with 20 to 25% down payments, and by not making new purchases is another way, and instead performing cash out refinances or doing both, you know another way to increase your leverage ratio, and you might not have thought about this, it's when real estate values fall. Now, that's surely not a desirable way to do it, and it doesn't happen often, but when real estate values fall, that drops both your real estate's value and your equity value by the same amount. And interestingly, with some of the ways that I described that you can add value to a property earlier, like a carport, that makes your cash flow better, but it does make your leverage ratio worse at the same time, a way to decrease your leverage ratio fast and lower your wealth building potential fast is to make an extra principal payment of a few 1000 bucks. I mean that one act alone might drop it from, say, a 3.14 to a three point. One Two over night. But look, I don't know what real estate markets you're invested in, and if you tell me what your number is, I'm gonna know how much your future wealth building power is, because you're keeping dollars not merely compounding, but leveraged. And if your number falls below about two and a half, which means 40% equity, that's typically when I begin looking to refinance or sell an equity heavy property, to do a 1031 into a bigger one. So two and a half, that's the number where you often want to take action. And really this is all just a fresh way of approaching an enduring mantra here at GRE Oh yeah, financially free beats debt free, and this sure can make you a mutineer among the masses. And I've been talking about these mutineers sort of things a lot lately, even with a tinge of irreverence. Perhaps you might remember that three weeks ago here on the show, I discussed how, depending on your circumstance, you can even make a car loan good debt, and how a seven figure income is the new six figures and then, yes, perhaps more irreverence. Last week in your free audio course, it was pretty iconoclastic to break down in detail how a 38% rate of return from just everyday buy and hold real estate is not risky at all. And last week's episode 550 the free course, that's probably the most important episode we've done in a long time. For a beginning real estate investor, if you've got any relative or friend in your life that you know, do you have someone around you that just doesn't get it about real estate investing, that really doesn't understand why you do this, please go ahead and share last week's episode with him. Episode 550 now on to the actual person of one, Donald John Trump. And why do I always say his name that way? I don't know. I'm not sure how that ever got started, but I don't say that as often as I call myself a remorseless slack jaw. In any case, the President wants to fire the Fed Chair Jerome Powell. This is nothing new. It just flared up again. I mean, here's the latest flare up. Listen to how Trump says he's never been fond of Powell. Okay, key in on that. This is Tom llamas on NBC, nightly news. You'll also hear the voices of Trump, Powell and Elizabeth Warren in Washington.    Unknown Speaker  8:38   There's a mounting standoff between President Trump and the Chairman of the Federal Reserve. The President blasting Jerome Powell for not lowering interest rates, accusing him of playing politics. Gabe Gutierrez is at the White House with markets on edge and his trade war escalating. President Trump is lashing out at the Federal Reserve Chairman he once appointed, writing on social media that Jerome Powell's termination cannot come fast enough. I don't think he's doing the job. He's too late, always too late. Slow. And I'm not happy with him. I let him know it, and if I want him out, he'll be out of there real fast, believe me, the rebuke coming after this warning from Powell Wednesday, tariffs are highly likely to generate at least a temporary rise in inflation, the President now slamming him for not cutting interest rates to help the economy. We have a Federal Reserve Chairman that is playing politics, somebody that I've never been very fond of, actually, but he's playing politics. Powell says the Fed needs more clarity before making a move. We're never going to be influenced by any political pressure. People can say whatever they want. That's fine. Trump had previously said he would not try to replace Powell, and earlier this week, the Treasury Secretary stressed the importance of an independent federal reserve. I believe that monetary policy is a jewel box that's got to be preserved. Democrats warning of chaos if Powell is ousted, if Chairman Powell can be fired by the President of the United States, it will crash the markets in the United States. Powell, whose term as Fed Chair ends next year, has said the President does not have the legal authority to fire him. If he asked you to leave, would you go? No.   Keith Weinhold  14:38    In that clip, Trump said he's never been very fond of pow dude. You appointed him, you You appointed him as Fed Chair in your first term, where you must have liked him more than any of the other candidates. Geez. Now you may or may not like Powell, but I don't see how. He's playing politics before lowering interest rates, it's completely sensible for him to see how the tariffs play out first. The Fed has long been independent of the executive branch, so they're supposed to be Trump wants Powell to lower interest rates. And remember, Powell already cut rates a full 1% late last year, and I really don't even agree with that cut when inflation was still elevated. Trump says Powell is always too late. Well, everyone agrees that Powell was too late to raise rates back in 2022 I mean, that had to do with the whole gaff where he said that inflation is just transitory, and no one will let Powell forget that. But do you give pal credit for a soft landing? I mean, he since brought down inflation while keeping us out of a recession, that's the definition of a soft landing. You know, I don't fully give pal credit there, just a little but remember, by that point, the inflation damage has already been done. It's already hurt a lot of people, and that's not changing. Now, of course, the inflation enriched you and it enriched me, because we're the real estate investors, and inflation is always going to do that for us. What happened is that Trump is frustrated because he saw the European Central Bank just lower their rates. So that's why he wants to see that happen here too. Because of course, lower rates can help the economy, at least in the short term. So I wondered about what you think. So what I did is I asked you in our latest Instagram poll, the question I asked was simply, should Jerome Powell be retained or fired? I was a little surprised at the result. 38% of GRE Instagram poll respondents said pal should be retained, and 62% said fired. I didn't think as many as 62% would say fire Powell. My best guess is that it's because you want lower interest rates on mortgages, and my next best guess is that you want to fire Powell, not because you dislike him, but more because you want to abolish the Fed completely, which I guess means that Powell would be fired that way. Did you hear about what happened when Donald Trump called tech support? Yeah. He told them, my tariffs aren't working. Tech Support responded with, did you try turning them off and back on again.    Hey, coming up shortly is Florida real estate doomed. If you'd like to reach out to us here at the show, you can do so at get rich education.com/contact, that's whether you have a comment or a question or a concern or a content suggestion you can communicate either through voice or email on our contact page, there one thing that we don't need, respectfully, are booking agents for shows reaching out to us. You know, I used to say that we have 50 times as many guest requests to be on the show with me here as we do available spots, but now it is more than 50x and I'm really grateful to host a platform where I guess a lot of people want to join in and contribute here, but the reality is that we only have one show a week, and a lot of weeks like this one I don't have any guests at all on the Show. That page is monitored by my terrific executive assistant, Brenda, just like most everyone here at GRE She's an active real estate investor too, and again, comments, questions or concerns about the show, please contact us at the contact page and get rich education.com/contact. More. Next you're listening to get rich education.    You know what's crazy? Your bank is getting rich off of you. The average savings account pays less than 1% it's like laughable. Meanwhile, if your money isn't making at least 4% you're losing to inflation. That's why I started putting my own money into the FFI liquidity fund. It's super simple. Your cash can pull in up to 8% returns, and it compounds. It's not some high risk gamble like digital or AI stock trading. It's pretty low risk because they've got a 10 plus year track record of paying investors on time in full every time. I mean, I wouldn't be talking about it if I wasn't invested myself. You can invest as little as 25k and you keep earning until you decide you want your money back. No weird lockups or anything like that. So if you're like me and tired of your liquid funds just sitting there doing nothing. Check it out. Text family to 66866, to learn about freedom family investments, liquidity fund again. Text family to 66866    Hey, you can get your mortgage loans at the same place where I get mine, at Ridge lending group NMLS, 42056, they provided our listeners with more loans than any provider in the entire nation because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage. You can start your pre qualification and chat with President Caeli Ridge personally. Start Now while it's on your mind at Ridge lendinggroup.com, that's ridgelendinggroup.com.   T. Harv Ecker  20:45   This is the millionaire minds. T. Harv Ecker, you're listening to the powerful Get rich education with Keith Weinhold. Don't quit your day dream.   Keith Weinhold  21:10   Welcome back to get rich Education. I'm your host. Keith Weinhold is Florida real estate doomed. Most anyone that pays attention has probably noticed that the Sunshine State has some areas, well, really, a number of them where property values have actually fallen. This is tied to the fact that there's an inventory over supply. There have been spiking insurance premiums tied to hurricanes. And what about the slowing population growth, and since the pandemic, Florida has had some of the fastest growing, highest appreciating markets in the entire nation. But today, in fact, there's a giant home builder there KB Homes that finds Florida's housing market. In their words, it's weak enough that they are cutting prices this spring. And KB Homes is ranked number 545 on the fortune 1000 so they're pretty sizable. And then an even larger home builder, Lennar, they basically said the same thing. The CEO of KB Homes said, quote, demand at the start of this spring selling season was more muted than what we have seen historically, despite a healthy level of traffic in our communities. So we took steps to reposition our communities to offer the most compelling value, and buyers responded favorably to those adjustments. End of the quote, yes, that is a genteel way of saying that we had to cut prices to get buyers like I mentioned to you, starting, gosh, probably a year ago or more, that other home builders have, instead of cutting prices, offered mortgage rate buy downs to buyers, be mindful though of how much your home builder is paying for those buy downs and how much you are at the closing table. Now, as we know, nationally, there's still a housing supply shortage, but KB, who does business in other states, says that Florida is the weakest, and that's due to over supply. Now let's forget about in migration for a second. Okay, that weakness is because a lot of communities are overbuilt to the point that the in migration rate cannot keep up with the over building. And of course, it's hard to generalize. Florida is a big, populous state of 23 million people. Southwest Florida has been hit the hardest that's pretty well documented. Punta Gorda, home values are down 9% year over year. Cape Coral down 7% let's go to the opposite end of the state, and Jacksonville, up in Northeast Florida that has about seven months of housing supply. It's actually pretty close to a balanced market between buyers and sellers, and then in the center of the state, Orlando, there's six months of supply that is a balanced market where there is normalcy in negotiation between buyers and sellers and a smattering of offers on one property And no one rushing and doing things like waving their inspection and then Miami Fort Lauderdale, you know, I really don't talk about them much on the show, because their prices are too high to work well as long term cash flowing rentals, both KB and Lennar say that they're keeping an eye on tariffs and that the changes to immigration have not changed their operations very much yet, because, remember, a lot of construction laborers are immigrants, and if they get deported, and then you need to hire native born US labor. Well, home prices go up, all right. Well, what about the Florida insure? Crisis. You know, over the past few years in Florida, a bunch of carriers have just withdrawn. They have pulled out of the state, farmers, insurance, bankers, insurance, Lexington insurance, all pulled out. Farmers told The New York Times that this business decision was necessary to effectively manage risk exposure. Similarly, AAA is another carrier, and they said that they're not going to renew some policies. They said the markets become challenging. 2022 catastrophic hurricane season that really contributed to an unprecedented rise in reinsurance rates, and that made it more costly for insurance companies to operate there at all. And prior to that, the market was already strained and had increased claims costs due to inflation and excessive litigation. That's what triple A said. All right, so where does this leave homeowners? Well, some are already relying on state and federal insurance programs, like the National Flood Insurance Program. There's a state carrier called citizens now, flood insurance is not required outside of a special hazard flood area, but that doesn't mean that a home is going to escape flooding if a hurricane passes through, but having insurance it does help along and accelerate the recovery process. Florida has some of the best Building Code adoption and enforcement in the country, and that fact alone has saved 1000s of homes and billions of dollars. But modern building codes are not necessarily applied retroactively to older homes. So it's those homes and properties that really have more exposure to hurricanes, those older properties, and a lot of Floridians are just skipping insurance coverage altogether so that they don't have to pay the premiums. They don't have any coverage. If you don't have a lien holder, you can do that. You can skip it, right? Well, like, How bad is it? Exactly? Just, how much have Florida insurance premiums been jacked up at this point. They've increased 60% on average between 2019, and 2023, and while homeowners and investors are primarily bearing that rising cost burden, I mean, insurers are feeling that squeeze as well. It's not just that the incidence of hurricane events is up, but premiums rise, of course, when the cost of labor in materials that it takes to replace and rebuild a damaged home have gone up as well things like concrete and structural steel and now, of course, as real estate investors, we can eventually pass on the cost of our higher insurance premiums to the tenant in the form of a rent increase, But when it goes up 60% in just four years. It's really hard to keep up with that. Florida's infrastructure is under some strain, too, and I see this when I drive the Tampa area. Every few years, I see more and more traffic. It takes me longer to get places like it takes me two or three cycles to go through a traffic light, where it only took me one cycle a few years ago. So roads and schools and utilities are under some duress to keep up with the population growth over the past decade, statewide commute times are up 11% you know, really that shouldn't be a surprise. I mean, that is common in any high growth area. Now, when it comes to insurance rate increases, there is a good chance that the worst is now over. Yes, Florida, insurance rate increases have been slowing down. The average rate increases have dropped quite a bit from 21% back in 2023 to a projected just two tenths of 1% for 2025 okay. I mean, that's basically no change expected for this year. Citizens, property insurance, that state option that I mentioned earlier, their rates are also shrinking, with some policyholders experiencing rate decreases of 5% or more. Now, I told you on a previous show that if you're looking to add rental property in Florida, go with new build properties for low insurance rates. But now I actually got a hold of some real policies between some of my properties and some of my friends properties. I've got them right in front of me here on a 1970s build single family home. I mean, the premiums can be high. We're basically paying 1% or more of the property's value in insurance premiums each year. So a 250k A valued single family rental that was built 50 years ago has a premium of $3,000 in some cases. I mean, that's a lot, but a close friend of mine recently went to GRE marketplace, got connected with one of our Florida providers. There, he bought a new construction duplex for I forget it was either 400k or 420k it's in Ocala, Florida, which is the central part of the state, and his 12 month insurance premium is $694. Wow. What a low premium for a duplex. That's why you go new build in Florida. Newer properties were built to today's construction and wind mitigation codes, and they have low insurance rates. And his duplex also appraised for 10k more than the purchase price. He has both sides already rented. And in fact, he closes on the property today, and yeah, I recommended that he go to GRE marketplace and get into Florida property, because that is indeed what he was interested in, and I sure wasn't going to stop him. So suffice to say, I clearly do not believe that Florida real estate is doomed. Florida has long been the antidote to high tax, high cost states, it has attracted snowbirds and retirees and hourly workers and increasingly younger professionals unable to crack housing markets elsewhere. Since the pandemic, millions of people have flocked to the state. I mean, when you look at a list of the fastest growing metro areas of the United States. I mean, Florida domination continues. You've still got big ones up there, like Lakeland of Florida is actually at the top of the population growth leaderboard nationally for metros with 500,000 or more people, Port St Lucie is also up there. It's third nationally, and Orlando is fourth. Three of the top four population growth metros are still in Florida, but this promise of sunshine and opportunity that has been replaced by something just a little less Sunny. I mean, you've got the rising home prices like Florida's not that cheap anymore, this diminishing affordability and this growing pressure on infrastructure, but Florida has definitely not completely lost its shine. People across the country are still moving to Florida, but not at the same rate that they did a few years ago, and the state is still seeing more people arrive then depart, besides the weather and the beaches that people love, of course, there's zero state income tax, and Governor Ron DeSantis has even proposed eliminating the property tax, like I mentioned to you on the show a while ago, although we can't count on eliminating the property tax anytime soon, if it ever happens. But wow, what a real estate boom that property tax elimination would create. So for the long term, which is what real estate investing is, I still like Florida. One thing that I don't like is trying to catch a falling knife, and that is analogous to say, investing in an area that is going down and has no future. Florida's got a future. It's got some challenges, just like anywhere in the US, but the reason it has a future is because more population growth is almost a guarantee. You don't get many guarantees in investing. Just look at the decennial census figures. Okay, this is the population of Florida every 10 years, starting in the year 1900 that's when they had 528,000 people, yeah, only about a half million people in the entire state, and I'll do some rounding here every 10 years after that. So in 1910 it was up to 750,000 people, then a million, 1,000,005 1,000,009 now we're up to 1950 where it grew to 2.8 million people, and then 5,000,006 point 8,000,009.7, 1316, 18.8 and then 21 and a half million in 2020, and it's 23 and a half million today. Now I only went as far back as 1900 there, but their census data goes back to at least 1830 and the growth has always been torrid, just uninterrupted. Every 10 years. There has been substantial to massive growth for at least 200 years, and Florida has still. Grown more than 2% per year each of the past couple years. In fact, it is still first place of all 50 states for population growth. So areas that are over supplied with housing in Florida are going to be absorbed. So Florida real estate is definitely not doomed. And in fact, adding more Florida real estate at this time, you know, that could very well be the type of thing where 10 years from now, or even five years from now, when their population is substantially bigger and there's less housing available. I mean, it could potentially look like a wise buy that you're able to get property at this time with less competition and maybe even a small discount here in the mid 2020s, and today, you can find three Florida markets listed at GRE marketplace. What else is happening at GRE marketplace? We've added two new markets, and they are also in the South. They are Jackson, Mississippi and Montgomery, Alabama. Yes, these areas are investor advantaged, and they have prices lower than most Florida markets. Though, I don't know that you'll see the net migration inflows into Jackson and Montgomery that you will in a lot of Florida markets. Jackson has a metro population of 600,000 and Montgomery 400,000 they both have really low property taxes. And there's something else that these two new GRE marketplace cities have in common. Any guess both Jackson and Montgomery are state capitals, yes, so they do have a base of government jobs. So check out gremarketplace.com read more about those cities. And of course, we even connect you with free investment coaching there to help you get matched up with some good property. Thanks for listening. Until next week, I'm your host. Keith Weinhold, don't quit your Daydream.   Speaker 2  37:10    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  37:34   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.   The preceding program was brought to you by your home for wealth, building, getricheducation.com.   

Join William Wolfe for a special LIVE episode for the Center for Baptist Leadership with Tom Ascol and Sam Webb to discuss Christianity Today's latest monstrosity.   Show Notes: Christianity Today publishes "Was Jesus Crucified with Nails?" - https://www.christianitytoday.com/2025/04/was-jesus-crucified-with-nails/ Original "uncorrected" Article from Internet Archive - https://web.archive.org/web/20250414203601/https://www.christianitytoday.com/2025/04/was-jesus-crucified-with-nails/   Tom Ascol is the president of Founders Ministries, an organization committed to encouraging the recovery of the gospel and the biblical reformation of local churches. He has served as a pastor of Grace Baptist Church in Cape Coral, Florida, since 1986 https://founders.org/about/   Sam Webb is an attorney at Webb Strahan, PLLC, a high-capacity law firm in Houston, Texas. He is a family man and proud Aggie. https://x.com/samwebb1876   ––––––   Follow Center for Baptist Leadership across Social Media: X / Twitter – https://twitter.com/BaptistLeaders Facebook – https://www.facebook.com/people/Center-For-Baptist-Leadership/61556762144277/ Rumble – https://rumble.com/c/c-6157089 YouTube – https://www.youtube.com/@CenterforBaptistLeadership Website – https://centerforbaptistleadership.org/   To book William for media appearances or speaking engagements, please contact him at media@centerfor­baptistleadership.org.   Follow Us on Twitter: William Wolfe - https://twitter.com/William_E_Wolfe Richard Henry - https://twitter.com/RThenry83   Renew the SBC from within and defend the SBC from those who seek its destruction, donate today: https://centerforbaptistleadership.org/donate/   The Center for Baptist Leadership Podcast is powered by American Reformer, recorded remotely in the United States by William Wolfe, and edited by Jared Cummings.   Subscribe to the Center for Baptist Leadership Podcast: Distribute our RSS Feed – https://centerforbaptistleadership.podbean.com/ Apple Podcasts – https://podcasts.apple.com/us/podcast/center-for-baptist-leadership/id1743074575 Spotify – https://open.spotify.com/show/0npXohTYKWYmWLsHkalF9t Amazon Music // Audible – https://music.amazon.com/podcasts/9ababbdd-6c6b-4ab9-b21a-eed951e1e67b BoomPlay – https://www.boomplaymusic.com/podcasts/96624 TuneIn – Coming Soon iHeartRadio – https://iheart.com/podcast/170321203 Listen Notes – https://www.listennotes.com/podcasts/center-for-baptist-leadership-center-for-3liUZaE_Tnq/ Pandora – Coming Soon PlayerFM – https://player.fm/series/3570081 Podchaser – https://www.podchaser.com/podcasts/the-center-for-baptist-leaders-5696654 YouTube Podcasts – https://www.youtube.com/playlist?list=PLFMvfuzJKMICA7wi3CXvQxdNtA_lqDFV

We're back in the WATP north studio to chat about Stuttering John calling into Kevin Brennan's show. John makes up ridiculous lies about what happened when we had a meet-up at Stevie Tomatoes in Cape Coral last week. And Kevin, being the amazing host that he is, doesn't push back on any of John's confusing and contradicting nonsense. Adam Busch and Producer Chris are both on to witness the demise of Haliey Welch's podcast, Talk Tuah. She's been handed yet another golden opportunity and completely blew it. Scorch is driving the DBL1 through Florida and still doing his show… sort of. He seems to be replacing Meghan with whiskey. Speaking of drinking to deal with sadness, Rob Saul addresses our recent critique of his show and gets it all wrong while lashing out at Adam for being gay and me for having an older wife. Brutal. Opie finally took a shot at Anthony and everyone, including Anthony, is talking about it. We also learn what Opie considers a “busy week.” Cardiff joins the show and Annie pops on for another round of “2 Minutes with Tom.” And we finish up with the teaser, a recent review, and your voicemails. Support us, get bonus episodes, and watch live every Saturday and Wednesday: http://bit.ly/watp-patreon https://watp.supercast.tech/ Come to Hackamania May 9-11 in Las Vegas with promo code WATP – https://hackamania.com/ Cardiff Electric's new channel – https://www.youtube.com/@cardiffelect Annie's website - insanneity.com  Learn more about your ad choices. Visit megaphone.fm/adchoices

Send us a textIn this episode Tyler and Jimmy discuss this week's PPA event, the PPA Cape Coral Open. With wild wind conditions they recap the tournament, which was filled with many upsets as well as some heated discussions. Jaume Martinez Vich goes at it with LingWei Kong and Zane Ford, while Ben Johns goes down by a 16-year-old player. Tyler and Jimmy discuss the top talent, emphasizing how CJ Klinger and Christian Alshon, among others, have solidified their place as the best of the best. They round out the episode with a quick preview into this upcoming PPA Texas Open tournament and answer your questions. Let us know what topics we should cover in future episodes, thanks for following along!—————————Website: https://www.tylerloong.com/ Use Code "KOTC" for $100 Savings on C&D Pickleball Nets: https://bestpickleballnets.com/ Use Code "KOTC" to save 10% on Modballs:https://modballs.com/products/modballs Use Code "KOTC" for Big Savings on Vulcan Gear: https://vulcansportinggoods.com/pagesNEW KOTC DISCORD https://discord.com/invite/kNR65mBemfInstagram: Tyler's IG - @tyler.loong  Jimmy's IG - @jimmymiller_pbKOTC IG - @morekingofthecourt  Facebook: / tyler.loong   --0:00 Intro7:24 Cougars Basketball08:03 Necker Island08:59 PWR17:47 PPA Cape Coral Recap18:23 Men's Singles Recap25:27 Women's Singles Recap31:12 C&D Nets34:17 Mixed Doubles Recap49:24 Men's Doubles Recap1:00:26 Women's Doubles Recap1:03:53 Vulcan1:05:26 Holey1:06:35 PPA Texas Open Preview1:15:20 Q&A

It's iFanboy 20/25 — 20 years of podcasting and 25 years of iFanboy! This week, Conor Kilpatrick's flu still lingers and birthday boy Josh Flanagan is anxious to get to his cake… but there were so many good comics to talk about this week (at least for one of the guys) and they are professionals, so here they are, as always. Note: Time codes are estimates due to dynamic ad insertion by the distributor. Running Time: 01:04:13 Pick of the Week: 00:02:21 – Red Hulk #1 Comics: 00:10:21 – Fantastic Four #722 (29) 00:17:04 – Uncanny Valley #8 00:20:49 – Green Arrow #354 (21) 00:28:24 – Iron Man #675 (5) 00:32:04 – Green Lantern #587 (20) 00:34:12 – Batman: The Long Halloween – The Last Halloween #5 00:36:32 – The Savage Sword of Conan #7 Patron Pick: 00:38:05 – Pop Kill #1 Patron Thanks: 00:46:21 – Christopher Landvick Listener Mail: 00:48:39 – Peter S. from Cape Coral, Florida has had trouble enjoying Invincible and is looking for help. 00:55:50 – Jay B. from Michigan is looking for iFanboy to cover the newly announced The Amazing Adventures of Kavalier & Clay opera. Brought To You By: iFanboy Patrons – Become one today for as little as $3/month! Or join for a full year and get a discount! You can also make a one time donation of any amount! iFanboy T-Shirts and Merch – Show your iFanboy pride with a t-shirt or other great merchandise on Threadless! We've got TWENTY designs! Music: “Killing Me Softly With His Song” Roberta Flack Watch Ron talk about pinball technology on the Daily Tech News Show.Listen to Conor, Josh, and Ron discuss The Crow (1994) on Cradle to the Grave.Watch Conor and Josh talk about how to start a podcast on OpenWater.Listen to Conor discuss Swingers on Movie of the Year: 1996.Listen to Conor discuss Ghostbusters on Movie of the Year: 1984. Learn more about your ad choices. Visit megaphone.fm/adchoices

This week, we're nominating the creepiest airline employee of all time (shocker—there are a lot to choose from). Don't forget to vote for the one who brought the biggest creep to thecreepoff.com.We'll also break down some tragically sexy police footage in our Cop Cam segment, featuring a very drunk and very naked woman passed out in her car in the middle of a street.Scum Parade – This Week's True Crime Stories  - A twisted babysitter scandal where a husband allegedly bribed a victim  - A 13-year-old in Cape Coral repeat offender- A man who reportedly killed his wife over an underwhelming Valentine's Day response- A husband accused of blowing up his wife with a car bomb after a heated argument.The score is currently Vinnie 1 - Karl 0, visit thecreepoff.com to vote and decide this week's winnerWant more of the madness? Support the show on Patreon, Supercast & Backed.by to snag exclusive merch and get an extra bonus episode every week!Don't forget you can leave us a voicemail at 585-371-8108You can follow our Results girl Danni on Instagram @Danni_Desolation

https://theunfoundpodcast.com/2020/04/07/rose-mary-gayhart-a-sisters-love-ep-5/ Rose Marie Gayhart was a 23 year old native New Yorker who moved to Cape Coral, FL with her boyfriend. She had a large family with many siblings who cared about her and were concerned with her moving away. On March 14, 1985, somebody in a red pickup truck allegedly picked her up after work. She was never seen again. TheUnfoundPodcast.com https://theunfoundpodcast.com/2020/04/07/rose-mary-gayhart-a-sisters-love-ep-5/ Help Find Rose Marie Gayhart: https://rosemariegayhart.wordpress.com Facebook Page: https://www.facebook.com/MissingRoseMarieGayhart/?fref=ts Charley Project: http://charleyproject.org/case/rose-marie-gayhart If you have any information concerning the disappearance of Rose Marie Gayhart, please contact: Livingston County, New York Sheriff's Department (585) 243-7120 or The Cape Coral Police Department at (239) 574-3223. Learn more about your ad choices. Visit megaphone.fm/adchoices

Insurance companies are not climate activists, but they know more about climate risk than just about anyone. And as storms get more extreme and unpredictable a lot of insurers are running the numbers on Florida and realizing that the math just isn't working anymore. For decades, low cost insurance helped mask the risks of living in some of the riskiest parts of the country. However a climate correction is now underway. Prices are skyrocketing. And on America's riskiest peninsula, residents are beginning to feel climate change where it hurts—in their bank accounts.Not Built For This is a 6-part mini-series from 99% Invisible, with new episodes on Tuesdays and Fridays in the 99% Invisible feed. Listen wherever you get your podcasts. Subscribe to SiriusXM Podcasts+ on Apple Podcasts to listen to ad-free new episodes and get exclusive access to bonus content.