Podcasts about Centerville

Dayton, Ohio Real Estate Statistics and Market Trends for June 2025. Want to know what the real estate market is doing in the Dayton Metro area? If you're thinking about buying or selling a home in Dayton, Oakwood, Kettering, Beavercreek, Centerville, Springboro, Fairborn, Xenia, Huber Heights, Trotwood, Miamisburg, Franklin, Germantown, Vandalia, Yellow Springs, Troy, Tipp City, Springfield, you will want to know what the current real estate market is doing! These statistics are for June 2025 (they lag behind about 30 days). Sign up for the Monthly Statistics Email for all of Dayton Metro https://ashlarre.com/dayton-stats/ ------- Want to experience The Way Real Estate Should Be™? Book a chat at the time that works best for you! https://ashlarre.com/book-a-chat Find a Home https://ashlarRE.com Coming Soon - I Dig Dayton Podcast! Want help selling a home? Get your Free Home Value Report today! https://AshlarRE.com/home-value/

Go to www.LearningLeader.com for full show notes This is brought to you by Insight Global. If you need to hire 1 person, hire a team of people, or transform your business through Talent or Technical Services, Insight Global's team of 30,000 people around the world have the hustle and grit to deliver. www.InsightGlobal.com/LearningLeader Kirk Herbstreit is the voice of college football. A former Centerville High School and Ohio State University Quarterback, Kirk has been the lead Analyst for ESPN's College Gameday since 1996. He calls the biggest games in college football on Saturday nights, and he broadcasts the college National Championship. Beyond college football, Kirk is also the lead analyst for Thursday Night Football on Amazon Prime Video. Kirk has been nominated for 19 Sports Emmy Awards and has won 5 times. This conversation was recorded in front of about 300 people in Centerville, Ohio. Kirk's dog Peter was with us on stage when he wasn't wandering around in the audience. Kirk's emotional moment after Ohio State's national championship was about his authentic connection to Coach Day, his son (who was on the team), and all the players. "I try so hard to be impartial. I try so hard to be just objective and fair. It's almost like the culmination of just a release." Showing authentic emotion and humanity makes leaders more relatable and trustworthy, not weaker. Bob Gregg and Ron Ullery's impact: "They didn't tear your knees out, but they just made sure as a 16, 17, 18-year-old that you knew this ain't about you. It's about us." This foundation created a work ethic that translates across all of life. The most prepared broadcaster in the world - "When I started in 1996 on college game day, unless you were a Big 10 fan, you had no idea who I was. So my idea of trying to build my brand was they're gonna know me from my work ethic." "They're gonna know me from my work ethic. They're gonna know me like, damn, I don't know who that dude is, but he seems to know what he's talking about." "I prepare a hundred percent, and I use 20% for all three shows." Over-preparation creates confidence and the ability to handle any direction conversations might go. When you're not the most naturally gifted, becoming the most prepared person in the room creates a competitive advantage. High School Football Builds Life Skills – "I'm such an advocate for high school football because of my own experience... It's about what these guys are doing... simple old school values, like hard work and perseverance and facing adversity." "I could choose to be embarrassed of who I was on national TV, or choose to have a bit of a chip on my shoulder. And I was kind of a chip on my shoulder guy my whole life." Feeling underestimated can fuel extraordinary preparation and performance when channeled constructively. Deal with Imposter Syndrome when he started broadcasting NFL games for Amazon on Thursday nights: "I didn't even go to an NFL camp, and here I am calling NFL Games as the expert game analyst. And so, and I'm working with freaking Al Michaels." "I don't deserve your respect in my brain until I earn it." College Football's Current Crisis – "The players went from our era. You had no say to now they have all to say... It's like the world is upside down right now when it comes to that aspect of it." "Who fixes it? The NCAA doesn't fix it... No one's worried about the global view of the sport. They're worried about their region... who's in charge? No one's the boss." "They're great players, but they're a dime a dozen. Like you're on a conveyor belt as a player. There's other players coming right behind you." Kirk supports true name, image, likeness marketing but opposes pay-for-play: "I am a fan of, if Jeremiah Smith becomes Jeremiah Smith after he gets there... if he can make money in marketing... But not, a guy is over at Bowling Green... and LSU needs a left guard and they're just like, Hey, how much does it take?" "These coaches are a little bit hesitant on how hard they're gonna be on these guys because they don't wanna believe. Imagine being a coach and you're worried about, is this guy gonna leave if I really do what I want to do with him?" Mental Health Through Faith – "For me, it's my faith... daily devotional prayer and really trying to connect helps me... having very honest conversation with family and friends and opening up." The Value of Chosen Hardship – My perspective: "I think you gotta keep doing that stuff... choose to do really hard things every day to prove to myself that I can keep doing hard things so that when adversity strikes, I'm prepared." Generational Empathy – "This generation, I can't imagine going through what they go through, whether it's Snapchat and middle school... just everybody being in your business and everything online." The Lee Corso Legacy – "He was hot takes before we knew what Hot Takes were... our relationship really changed was off air... he was a really good listener... like Yoda or like Don Corleone." The best mentoring relationships evolve from one-directional learning to mutual care and support. The Lunatic Fringe - "There's 90% of Ohio State fans that whether they win or they lose, they're proud of 'em... every fan base has that 10% that we're all embarrassed of."

Contestants: Janice and Joe Codispoti calling from Centerville, Ohio

Bruce Epperly has served as a congregational pastor and university chaplain, university and seminary professor and administrator, and is a prolific author and lectionary commentator. With over forty years joining pulpit and classroom, Bruce recently retired from congregational ministry after serving eight years as Senior Pastor of South Congregational Church, United Church of Christ, Centerville, MA […]

Bruce Epperly has served as a congregational pastor and university chaplain, university and seminary professor and administrator, and is a prolific author and lectionary commentator. With over forty years joining pulpit and classroom, Bruce recently retired from congregational ministry after serving eight years as Senior Pastor of South Congregational Church, United Church of Christ, Centerville, MA […]

Bruce Epperly has served as a congregational pastor and university chaplain, university and seminary professor and administrator, and is a prolific author and lectionary commentator. With over forty years joining pulpit and classroom, Bruce recently retired from congregational ministry after serving eight years as Senior Pastor of South Congregational Church, United Church of Christ, Centerville, MA […]

Bruce Epperly has served as a congregational pastor and university chaplain, university and seminary professor and administrator, and is a prolific author and lectionary commentator. With over forty years joining pulpit and classroom, Bruce recently retired from congregational ministry after serving eight years as Senior Pastor of South Congregational Church, United Church of Christ, Centerville, MA […]

Send us a textDECAL will celebrate Children's Mental Health Week in Georgia May 5th – 9th, as we have done for the last five years during the first full week of May. Similar to Georgia's Pre-K Week, and Inclusive Early Learning Week, this special week reminds us that the early years in a child's life provide a key opportunity to establish safe and secure relationships and support healthy social and emotional development. Joining us to talk about Children's Mental Health Week is our own, Laura Lucas, Infant and Early Childhood Mental Health Director at DECAL and our guests: Annie Stewart, Child and Adolescent Clinician, and Gloria Julio the Director of Play Therapy, both from Centerville's One Stop Program at View Point Health. Support the show

Dayton, Ohio Real Estate Statistics and Market Trends for March 2025. Want to know what the real estate market is doing in the Dayton Metro area? If you're thinking about buying or selling a home in Dayton, Oakwood, Kettering, Beavercreek, Centerville, Springboro, Fairborn, Xenia, Huber Heights, Trotwood, Miamisburg, Franklin, Germantown, Vandalia, Yellow Springs, Troy, Tipp City, Springfield, you will want to know what the current real estate market is doing! These statistics are for March 2025 (they lag behind about 30 days). Sign up for the Monthly Statistics Email for all of Dayton Metro https://ashlarre.com/dayton-stats/ ------- Want to experience The Way Real Estate Should Be™? Book a chat at the time that works best for you! https://ashlarre.com/book-a-chat Find a Home https://ashlarRE.com Coming Soon - I Dig Dayton Podcast! Want help selling a home? Get your Free Home Value Report today! https://AshlarRE.com/home-value/

Dayton, Ohio Real Estate Statistics and Market Trends for April 2025. Want to know what the real estate market is doing in the Dayton Metro area? If you're thinking about buying or selling a home in Dayton, Oakwood, Kettering, Beavercreek, Centerville, Springboro, Fairborn, Xenia, Huber Heights, Trotwood, Miamisburg, Franklin, Germantown, Vandalia, Yellow Springs, Troy, Tipp City, Springfield, you will want to know what the current real estate market is doing! These statistics are for April 2025 (they lag behind about 30 days). Sign up for the Monthly Statistics Email for all of Dayton Metro https://ashlarre.com/dayton-stats/ ------- Want to experience The Way Real Estate Should Be™? Book a chat at the time that works best for you! https://ashlarre.com/book-a-chat Find a Home https://ashlarRE.com Coming Soon - I Dig Dayton Podcast! Want help selling a home? Get your Free Home Value Report today! https://AshlarRE.com/home-value/

Dayton, Ohio Real Estate Statistics and Market Trends for April  2025. Want to know what the real estate market is doing in the  Dayton Metro area? If you're thinking about buying or selling a home in Dayton, Oakwood, Kettering, Beavercreek, Centerville, Springboro, Fairborn, Xenia, Huber Heights, Trotwood, Miamisburg, Franklin, Germantown, Vandalia, Yellow Springs, Troy, Tipp City, Springfield, you will want to know what the current real estate market is doing! These statistics are for April 2025 (they lag behind about 30 days). Sign up for the Monthly Statistics Email for all of Dayton Metro https://ashlarre.com/dayton-stats/ ------- Want to experience The Way Real Estate Should Be™? Book a chat at the time that works best for you! https://ashlarre.com/book-a-chat Find a Home https://ashlarRE.com Coming Soon - I Dig Dayton Podcast! Want help selling a home? Get your Free Home Value Report today! https://AshlarRE.com/home-value/

Join us for an exciting episode of Fairfield Trojan Football, proudly sponsored by Henshaw Trader Sales, Packwood Locker, Wyatt Moyn, and Home Plate Sports Cards. This episode kicks off with Coach Jones as he takes us through the upcoming season, game by game, starting with a challenging opener against Benton. Coach Jones shares valuable insights on the team's strategy, strengths, and preparations for facing tough opponents such as Centerville, Mediapolis, and Knoxville. Discover Coach's thoughts on key players, team changes, and the significance of district games, including a thrilling mid-season clash with Solon. As we delve deeper, gain perspective on how multi-sport athletes, especially those from the successful wrestling team, contribute to football dynamics. Coach Jones wraps up with a glance at the intense rivalry games and important matchups that could define Fairfield's season.

Dayton, Ohio Real Estate Statistics and Market Trends for March 2025. Want to know what the real estate market is doing in the Dayton Metro area? If you're thinking about buying or selling a home in Dayton, Oakwood, Kettering, Beavercreek, Centerville, Springboro, Fairborn, Xenia, Huber Heights, Trotwood, Miamisburg, Franklin, Germantown, Vandalia, Yellow Springs, Troy, Tipp City, Springfield, you will want to know what the current real estate market is doing! These statistics are for March 2025 (they lag behind about 30 days). Sign up for the Monthly Statistics Email for all of Dayton Metro https://ashlarre.com/dayton-stats/ ------- Want to experience The Way Real Estate Should Be™? Book a chat at the time that works best for you! https://ashlarre.com/book-a-chat Find a Home https://ashlarRE.com Coming Soon - I Dig Dayton Podcast! Want help selling a home? Get your Free Home Value Report today! https://AshlarRE.com/home-value/

Ever wonder how a small-town church camera operator went on to film presidential inaugurations, Academy Awards, and NASCAR races? Meet Mike Breece, a veteran in the broadcast and media industry, who built ProJib Inc., one of the top camera crane rental and production companies in the business. In this in-person episode of The Root of All Success, host The Real Jason Duncan dives deep into Mike's 40+ years of experience, from his first gig at Channel 4 Nashville to working on some of the biggest productions in the world.

Coach Winegar calls in for his Fisher's win over Harrison with a score of 89-39. He talks about who does well in this huge win. He talks about how they were able to get this offensive feat done. Rick Johnston calls in to add to that conversation and breaks down how it got started big and Fishers got the crowd in it early. Coach Shelsky calls in for the park Heritage win over Centerville, 47-41. He talks about who travels with the team and how this feeling never gets old. He talks about how their small school is making a big splash. Coach Aimes calls in for his Clay City winning 51-42. He speaks on prior years' losses making this win feel better than ever. He talks about some stand out players and the two coaches talk about how they are a winning team. Brendan King Calls in to talk with the coach about their upcoming game they will be calling together. BK touches on him being emotional over this being their first time. Kip Wesner calls in to talk about everything Hoosier's basketball and boy's regionals this weekend. See omnystudio.com/listener for privacy information.

03/07/25: Minnesota State Senator is the guest host on "News and Views" today, and is joined by one if his colleagues, State Senator Heather Gustafson. Senator Heather Gustafson is currently in her first term at the Minnesota Senate, representing Senate District 36 which includes Centerville, Circle Pines, Lino Lakes, North Oaks, Vadnais Heights, and White Bear Lake. She is vice chair of the Education Finance Committee, and serves on the Agriculture, Broadband, and Rural Development Committee, the Jobs and Economic Development Committee, and the State and Local Government and Veterans Committee. (Joel Heitkamp is a talk show host on the Mighty 790 KFGO in Fargo-Moorhead. His award-winning program, “News & Views,” can be heard weekdays from 8 – 11 a.m. Follow Joel on X/Twitter @JoelKFGO.)See omnystudio.com/listener for privacy information.

rWotD Episode 2862: George Herbert Baker Welcome to Random Wiki of the Day, your journey through Wikipedia’s vast and varied content, one random article at a time.The random article for Wednesday, 5 March 2025 is George Herbert Baker.George Herbert Baker (February 14, 1878 – March 11, 1943) was an American Impressionist artist who worked primarily in the Richmond, Indiana area and was a member of the "Richmond Group" of painters. He worked in oil, watercolor and pastels. He worked for a time in Brown County, Indiana and is sometimes associated with that group of artists.Born in Muncie, Indiana, Baker lived in Richmond and Centerville most of his life. He studied with John Elwood Bundy, at the Cincinnati Art Academy and the Boothbay Art School. In 1925 he was a visiting instructor at Miami University.His work is represented in the collections of the Indianapolis Museum of Art, Haan Mansion Museum of Indiana Art, Richmond Art Museum, Earlham College, Miami University Art Museum, Morrisson-Reeves Library, Centerville, Indiana Library and a devoted group of private collectors. A painting titled "November Meadows" painted during the time he was an instructor at Miami University hangs today over the mantle in the formal living room of the Miami president's home, Lewis Place.The Richmond Art Museum held a retrospective of his work in 2001 and was said to be the largest exhibition of his work ever mounted.This recording reflects the Wikipedia text as of 00:36 UTC on Wednesday, 5 March 2025.For the full current version of the article, see George Herbert Baker on Wikipedia.This podcast uses content from Wikipedia under the Creative Commons Attribution-ShareAlike License.Visit our archives at wikioftheday.com and subscribe to stay updated on new episodes.Follow us on Mastodon at @wikioftheday@masto.ai.Also check out Curmudgeon's Corner, a current events podcast.Until next time, I'm neural Kevin.

Monday through Saturday, Devin Pickard and his family run Papa KayJoe's BBQ in Centerville, Tennessee. But on Sundays, Devin trades the BBQ pit for the pulpit at Hope Church, the non-denominational congregation where he preaches. In many ways, food is a natural fit for a southern preacher, but there are other, less obvious ways Devin's two professions come together. Later in the episode, cookbook author Tammy Algood talks about Sunday dinner etiquette and competitive church potlucks.This episode originally aired on October 9, 2017, and June 10, 2019, and was produced by Dan Pashman and Anne Saini. It was edited by Dan Charles. The Sporkful production team now includes Dan Pashman, Emma Morgenstern, Andres O'Hara, Kameel Stanley, Jared O'Connell, and Giulia Leo. Publishing by Shantel Holder.Transcript available at www.sporkful.com.Right now, Sporkful listeners can get three months free of the SiriusXM app by going to siriusxm.com/sporkful. Get all your favorite podcasts, more than 200 ad-free music channels curated by genre and era, and live sports coverage with the SiriusXM app.

Join us as we delve into the recent triumphs of the Keokuk Chiefs basketball team, sponsored by Partners for Profit Fundraising and other local businesses. Coach Summers highlights crucial wins against West Branch and Centerville, emphasizing defensive prowess and strategic gameplay. In this episode, discover standout performances, including Jackson Clark's impressive scoring feats and the team's preparation for upcoming playoff challenges. With insights into the physicality and tactics required for postseason success, Coach Summers shares his thoughts on handling top opponents and the team's focus on improving defense and minimizing turnovers. Get a glimpse of the competitive journey, as the Chiefs aim for state playoffs while celebrating individual milestones and building on their achievements. Tune in for an insightful discussion on coaching strategies and team analysis ahead of the next big game.

Join me for our weekly homestead update solo this week because Tactical is picking up feed from BooneTop Farm in Centerville! Featured Event: Seed Exchange and Potluck Saturday 12-3pm Sponsor 1: DiscountMylarBags.com Sponsor 2: The Wealthsteading Podcast Listener Feedback  I've been telling my wife about you swim spa. We think it might be a good thing for her to get. She has a couple of questions: “Having been used to lap pool swimming, in 25-yard pools, is it difficult to get used to a swim spa?” “How do you track distance?” (I'm used to counting laps to know how far I've gone) Boone Top Farm Feed Source Bracing for another single digit time Duck Egg Feed Update - tucker milling Tiny house community concept Seed Roulette Next Week Seedling update Prepper pantry Just In Time Stinging Nettle, chickweed and deadnettle Operation Email Zero More rabbit breeding Better rabbit rotation needed Eversoles Departing Tomatoes are finally all canned   Make it a great week!   GUYS! Don't forget about the cookbook, Cook With What You Have by Nicole Sauce and Mama Sauce. It makes a great Christmas Gift!   Community Mewe Group: https://mewe.com/join/lftn Telegram Group: https://t.me/LFTNGroup Odysee: https://odysee.com/$/invite/@livingfree:b Advisory Board The Booze Whisperer The Tactical Redneck Chef Brett Samantha the Savings Ninja Resources Membership Sign Up Holler Roast Coffee Harvest Right Affiliate Link  

Sponsors Coaches are you ready to revolutionize your game preparation? For the past 5 seasons coaches across the nation have been using the ultimate scout team game-changer: The Coachpad!Imagine this: no more scrambling on weekends to prep scout cards, no more fumbling with paper and binders. Whether you're drawing your cards digitally with a computer program or sketching them by hand, The Coachpad is your all-in-one solution!Picture yourself on the practice field, effortlessly managing your scout team, or standing on the sidelines during game day, syncing adjustments from the press box to your coaches on the sideline and back. With The Coachpad, you can clearly see your scout cards even in the brightest sunlight—no more squinting or dealing with the wind blowing clear vinyl sleeves everywhere!This offseason, take your coaching to the next level. Get your Coachpad today at TheCoachpad.com and gear up for a winning season ahead! 0:13 The CoachPad2:00 final four run8:00 when a team likes each other9:30 manufacturing blitzes13:20 adapting to kids18:25 offensive trends22:30 defensive trends26:50 red zone coverage30:00 blitzing details35:00 adding without making it complicated john puckettdc centerville hs(oh)TWITTER: @JohnPuck4rip liz video 1: https://youtu.be/CKCjxy0kDHY?si=bPycS_DzYQskCZbjrip liz video 2: https://youtu.be/ywx1wpRkbuM?si=evgBiJu_PiukBnZsgdb 71: https://youtu.be/IDXbxMtSSGE?si=ZmzkbO2J2SJAg4gFgdb 132: https://youtu.be/tcPqxOQZNwA?si=lzxymJ6zyJmxxnWc gdb 170: https://youtu.be/LHrI23klNC8 Join this channel to get access to perks: https://www.youtube.com/channel/UChW7UyLcMH6QDwCS295w9aQ/join Google Sheet https://docs.google.com/spreadsheets/d/1Dohuyci5dx36k4IFQUuX8XmuJsAIJ6JbYdcXrkcJ-4s/edit?usp=sharing Nicholas Bandstra Offensive Coordinator, Zanesville HS (OH) Twitter: https://twitter.com/CoachBandstra Coachtube: https://coachtube.com/users/coachbandstra Main Youtube Channel: https://youtube.com/c/NicholasBandstra Misc. Youtube CHannel: https://www.youtube.com/channel/UCKhhY4OFs_mJF1Mdkia55rA Linktree: https://linktr.ee/CoachBandstra

Join hosts Chris and Nancy on this enlightening episode of the 27th Degree, broadcasting from the Bioskills of the Northeast Studio in Fall River, Massachusetts. Today, we delve into the complexities of Women's Health with Dr. Kishore Lakshman, MD, MPH, an expert in Endocrinology, Diabetes & Metabolism, and Sexual Medicine. Discover the common health issues women face, learn about preventative practices, and understand the unique health focuses necessary at different stages of life—from the twenties to sixties and beyond.Dr. Lakshman will also share compelling stories from his practice, revealing how his patients have navigated and overcome significant health challenges. Don't miss his invaluable advice tailored for women of all ages, and find out what one message he wants every listener to remember.Sponsors:BayCoast Bank: For all your financial needs. Learn more at BayCoast.Bank or call 508-678-7641.Duncan Hearing Healthcare: Trusted hearing healthcare with locations in Fall River, Dartmouth, Falmouth, and Centerville. Visit Duncanhearing.com for more information.Support the 27th Degree by subscribing on YouTube or your favorite podcast platform. Follow us on Facebook and Instagram, and remember to leave a five-star review. We appreciate your support!Contact us at 774-319-4230 for sponsorship inquiries or to learn how Bioskills of the Northeast can produce your show.

Join us at a vibrant Sigourney, Iowa, where the local basketball scene is abuzz with excitement. Round Guy Radio covers an exhilarating JV matchup between the Sigourney Savages and the Centerville Big Red. Witness the home crowd's passion as Sigourney defends their unbeaten streak. In a candid interview, Coach Islick discusses the challenges ahead, including a tough upcoming match against HLV, and potential showdowns with Montezuma and BGM. Highlighting standout players like Brady Bolton from Montezuma and Sigourney's own John Burke, Coach Islick shares insights on their unique playing styles and game strategies. The episode captures the action-packed game, featuring commentary on every thrilling play, standout moments from stars like Hunter Sellers and Landon Fish, and what it takes to maintain a winning record. Don't miss this in-depth coverage of high school basketball's dynamic drama and sportsmanship!

HORROR WITH SIR. STURDY EPISODE 534 THE DEAD DON'T DIE REVIEW

Old Scratch Pizza in Dayton, Ohio, had a huge year in 2024. The Dayton pizza company opened its fourth location in a revitalized fire station. And in November, the pizzeria took home three Pizza Today PIE Awards: Pizzeria of the Year – Midwest Region, Most Interesting Menu and Most Unique Pizzeria Location. We sat down with owner and founder Eric Soller and Executive Chef Josh Swinford to find out more about the red-hot pizza company. We talk about the pizzeria's employee-centric approach, it's Midwest Neapolitan-ish pizza, logistics of its growth, what real estate works for the concept, scratch menu, commissary and more. Learn more about at Old Scratch Pizza at https://www.oldscratchpizza.com/ and on Instagram at https://www.instagram.com/oldscratchpizza/.   More on Old Scratch Pizza from a release:Established in 2016, Old Scratch Pizza has become synonymous with exceptional pizza, creative wood-fired vegetables, and a large selection of regional craft beers. With a focus on quality, hospitality, and innovation, Old Scratch strives to be a local and regional restaurant community leader. Old Scratch currently has four locations in Southwestern Ohio - Downtown Dayton, Centerville, Beavercreek, and Troy.Rooted in the classic Neapolitan style pizza, Old Scratch pizzas redefine tradition in a “Midwesternly Neapolitan” style. While still serving classics like the Margherita or Prosciutto Arugula, many of their pizzas feature more familiar ingredients like pepperoni, bacon, or the signature housemade hot honey. Wood-fired roasted vegetables, not-your-average salads, and 20 rotating taps of local craft beer round out the menu offerings. The original Old Scratch Pizza was opened in 2016 by owners Eric and Stephanie Soller in a converted mechanic's garage in Downtown Dayton, OH, and the concept has since grown to include locations in Centerville, Beavercreek, and Troy, Ohio. Every restaurant has a distinct visual identity, celebrating its roots while remaining faithful to the essence of Old Scratch. All of their locations offer an open kitchen and communal "beer hall" style seating, creating a shared space where guests can connect with family and friends, embodying the spirit of the Old Scratch community.

Welcome to the KSL Greenhouse show! Join hosts Maria Shilaos and Taun Beddes as they talk about all things plants, tackle your toughest gardening questions, and offer tips that can help you maintain a beautiful yard. Listen on Saturdays from 8am to 11am at 102.7 FM, 1160 AM, kslnewsradio.com, or on the KSL NewsRadio app. Follow us on Facebook and Instagram at @kslgreenhouse. Happy planting! #KSLGreenhouse    8:05  Plant of the week: Witch Hazel  8:20  When do I plant Jerusalem artichokes? How do I properly water my bristlecone pine in the winter?  8:35  What are some pear and apricot tree varieties that do well in Utah County?  8:50  How do I best grow hydrangeas? Can I replant raspberries in my old raspberry patch, and when’s a good time to do so? What types of grass are best for Centerville? 

Keith discusses trends in the housing market, including the rising average age of first-time homebuyers and the mix of markets seeing price increases versus declines. He analyzes the potential impact of the incoming presidential administration's policies on real estate, particularly around inflation and interest rates. He is joined by Investor, Co-Founder and CEO of Family Freedom Investments, Dani Lynn Robison to highlight high-yield investment opportunities available, including up to 10% returns. Home prices have fallen in six US cities. The average age of a first time homebuyer rose to an astounding 38 years old. Discover the top 10 states with the highest home price appreciation over the last 40 years. The Trump Effect. To learn more about Freedom Family Investments.  You get paid first: Text FAMILY to 66866. Show Notes: GetRichEducation.com/528 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching:GREmarketplace.com/Coach 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 For advertising inquiries, visit: GetRichEducation.com/ad Will you please leave a review for the show? I'd be grateful. Search “how to leave an Apple Podcasts review” 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, home prices have fallen in six US cities. The average age of a first time home buyer soars to an astounding 38 years old. Then we take the long view breaking down how real estate is up a jaw dropping 490% since 1984 the Trump effect on real estate, then how you can earn an eight to 10% cash on cash return, hassle free. All today on Get Rich Education.   Speaker 1  0:36   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  1:21   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  1:38   Welcome to GRE from St Louis, Missouri, to say Luis, Obispo, California, and across 188 nations worldwide, even Uzbekistan. I'm Keith Weinhold, and you are inside. Get rich education every week. It's the show where I pretend that I'm not wearing pajama pants while here on the microphone. Hey, if you want to get rich, then focus on one thing. If you're already there and want to stay rich, then that's the point in which you want to diversify, because then you're already living your Daydream and you don't want to lose it. We'll talk about President elect Trump later in this week's show, and what it means for the future of the real estate market.   Donald Trump  2:20   Thank you verymuch. So this outfit you know is when they when he called us all garbage. How stupid. What a stupid word. That blows deplorable away. Don't you think.   Keith Weinhold  2:21   well, our content will surely be more substantive than that funny piece I expect to host Donald Trump here on the show for you in the future. After all, let's not forget, before politics, he was most known as a real estate investor, but he's going to be busy for the next four years, so it could be a while until you see him here, before we get to the Trump effect. Last week, the NAR released their annual report. It's called the profile of buyers and sellers. My gosh, what a surprise when it revealed that the average age of a first time homebuyer rose to an astounding 38 years old. 38 I mean, we're not talking about a person that's like, severely underemployed or something. We're talking about the average here. So for many, I mean, they are still a renter into their 40s. That is common now. I mean, at this rate, pretty soon, are Americans going to become homeowners once they hit retirement? I mean, my gosh, is that where we're headed? Or when one looks at their rites of passage, the milestones in their lives, will one achieve grand parenthood before buying a first home? Where are we going here? Not only is 38 years old, the all time high, as you might have expected, but that is up from age 35 just last year, amazing. And like I've discussed before, of course, the major reason that that age is up is due to lower affordability, and that's from higher prices and higher interest rates. The housing shortage is another factor here too. And all right, if that's not enough, the average age of us homebuyers, okay, this is just overall homebuyers, first timers and everyone else. That was 49 last year, and this spiked up to 56 this year. 56 and now back to first time homebuyers, the average income has also hit an all time high, $97,000 that is the average income of a first time homebuyer now. So what's important to keep in mind here is people are going to have to rent longer they're already. Renting longer. And some will choose to rent longer as a preference, and for others, they must rent longer. You can be the one to provide them with this rental housing, not the big hedge funds doing it, not private equity doing it. Invest in real estate. These trends mean higher occupancy rates and upward pressure on the rent amounts that you're going to be able to charge over time. I mean, this is demand, demand, demand for rental housing. They wish that they could buy that $300,000 starter home in the Midwest in southeast, but they have a hard time affording the down payments and qualifying for the loan they're after so you can rent it to them and be a profiteer longer. However, right now, there are six US cities where home prices are falling and now these are pretty mild corrections, but let's see if you can guess what the top reason for this is the number one reason about why these prices are falling among the nation's 50 largest metros. These are the six cities that have seen price corrections. New Orleans leads the way down the most down 4% Austin, Texas is also down almost 4% San Antonio down 2.7%, Tampa, Florida down one half of 1% Jacksonville down three tenths of 1% and then finally, Dallas, Texas, also down three tenths of 1% and in fact, I am visiting three of those six cities during a 10 day stretch that I'm on right here, right now. Over the weekend, I was in San Antonio, Texas. Today, the mobile GRE studio is in effect again, as I'm bringing you today's show from here in Austin, Texas, where I'm spending four days, and then I'll be in New Orleans in two days here. Well, the top reason for these falling home prices is in a word, supply. In fact, it's an oversupply in a lot of these six cities. And again, those six are New Orleans, Austin, San Antonio, Tampa, Jacksonville and Dallas. In fact, here in Austin, they are a, basically a national leader in over supply, they simply overbuilt, and it's going to take some time to absorb all that they've built. In fact, due to overbuilding, you've even got rents falling here in Austin, and I may look at some vacant apartments while I'm here to get the temperature of the market. Now, for some context, understand, though, that I spotlighted six falling markets out of the 50. All right, well, what about the other ones? Yes, that indeed means that 44, of America's 50 largest metros have seen year over year price increases, and one big reason for that is that many metros have housing shortages. Shortages are the norm, and by the way, all these figures are per the Zillow home index. In fact, a number of markets are up over 4% 5% 6% year over year, and the leaders all have seven to 8% year over year. Home price appreciation, they are San Jose, Hartford, New York City and Providence and a lot of the appreciation leaders are, yep, under supply, the opposite of what I'm seeing here in Austin.    Now, before I get to the headline of this week's episode, how national home prices were up a breathtaking 490% over the last 40 years. Let's talk about the Trump effect. It's still two months before Donald John Trump will be sworn in as a 47th president of the United States, and like macroeconomist Richard Duncan and I touched on on last week's show, Trump loves tariffs. Everyone knows that, and a tariff is like a tax on imported goods. Now follow along here. Higher tariffs mean then higher consumer prices, because the company or manufacturer has to pass that cost along to you. Higher prices means inflation. Higher inflation means that the Fed tends to keep interest rates higher longer in order to combat that inflation. So a Trump presidency means higher inflation in interest rates. Again, yes, at least those two things are correlated. And now think this through. Do you sense some cognitive dissonance here, under Trump's first term, back from 2017 to 2021 he wanted lower interest rates, and Trump was like highly vocal about how he wanted Jerome Powell to keep rates low in order to keep the economy healthy so the higher rates that Trump Tariffs are expected to bring then versus the lower rates that Trump wants is dissonant, incongruent, not in harmony. Bitcoin surged on the news of a second Trump presidency, because Trump is pro crypto. No see treasury yields, they also spiked upon the Trump presidency news just two weeks ago, I explained here on the show why higher inflation means higher treasury yields, which means higher mortgage rates. And it turned out that that was quite a timely explanation. The Trump election can mean a lower tax environment. We are hopeful that Trump will extend bonus depreciation, a really nice tax break for real estate investors. We could see some federal lands repurposed for housing construction. Trump said that he wanted to do that in order to add more housing supply. And no, don't worry. I don't think they're going to shut down and pave over Yellowstone and plug Old Faithful Geyser or anything like that. Okay, there's a lot of federal land that's, I guess, less remarkable, land that's being grazed on, and land suitable for more housing. Look for more move to loosen up zoning and regulation, and that's something where you'll find bipartisan agreement we've got to build to address the housing crisis. I mean, Trump has actually called zoning a killer, like he used that phrase you might see Trump extend the opportunity Zone program as well. The result could be more apartment construction in some of these blighted or low income urban areas, no matter what, and no matter who our president would have been. I mean, you're still gonna see housing supplies struggle to keep up with demand, because you just can't build fast enough. And you know something here, you never really know the future. People always want to speculate about the future that can be worth talking about. And you know that makes people think that they have the answer, but they're often wrong about one thing leading to the other, like how tariffs will end up meaning higher mortgage rates. I mean, you just don't know that for sure. Policies can change. Promises might not get followed up on, Black Swans can interject, and interest rates are one thing that are just wildly difficult to predict. And if you ever want to make another person look wrong, like if you desire to do that, here's all you need to do, ask them where interest rates are going to go in the future, and make them put that in writing. Okay, that is a guaranteed way to make somebody wrong. So everyone wants to know the future, but you've got to think through this in terms of probabilities and not certainties.    Now here's something encouraging, California voters, they shot down rent control expansion, though you might live in California, we are not exactly passionate about investing in California property for pretty well documented reasons, but sometimes things that start in New York and California in those particular states, they can expand to the nation. So it's worth paying attention to some of these things, and California voters resoundly rejected what is known as Proposition 33 rent control expansion. Almost 62% voted no on that. So you've got bipartisan alignment on how rent control backfires on renters in this was the third time in six years that California voters shot down rent control expansion. Great. That is great because rent control, it's not good for you, the investor, long term. It's not even good for the tenant, and it's certainly not good for the community either. I mean, they are collectivist state price controls.    Well, let's look at another place where prices are not being controlled for sure, and that is the fact that overall, US home prices have appreciated a whopping 490% since 1984 Yes, 490% over the last 40 years, therefore almost a 5x price increase. Let's break this down, and then I'll tell you what it means for the future too. This is the shift in US home prices from August 1984 to August 2024 so therefore it starts from mid Reagan presidency, when the median home price was $81,000 at that time. Okay, so this is our starting point, 1984 that's the year Ghostbusters hit movie theaters. Kareem Abdul Jabbar broke the all time NBA scoring record. And shows that debuted on television that year were Miami, Vice night, court, punky, Brewster. Are Charles in Charge? Have you heard of these shows? Another TV oh boy, another TV show that debuted in 1984 Well, Chase, are you ready for this? Let me give you a hint, Temple University. And how about jello? Pudding pops? Yes, I'm talking about the Cosby Show, which just feels kind of different to talk about anymore, ever since Bill Cosby's illicit misconduct there. And no, we are not going to play a snippet of the Cosby Show theme music. Please don't play it. You know, we totally do something like that here, but we're not this time. Okay? Well, with home prices surging and astounding 490% since that year, 1984 Okay, let's break down the areas that have appreciated the most and least and see what that means. And you might remember that in our newsletter, I sent you this map that shows the level of each individual state's 40 year price search. Oh, this is great. It's just the best real estate map I've seen in a while. What it shows is that coastal states are where home prices have risen the most. In general, the top 10 in appreciation in order are Washington State up 810% yes, that's more than 8x in the last 40 years. The next highest home appreciation over the last four decades in order is Oregon, Rhode Island, California, and then it's Hawaii, Montana, Massachusetts, Maine, Idaho. And 10th is Utah, all right. Well, why have coastal states had this higher real estate run up over time? Well, it's where building constraints exist that limits the housing supply. That's both geographic constraints, like, for example, the ocean's edge literally limits build space there. Well, the coasts are also where you tend to have more building regulation. Coasts are where incomes have risen the most those residents can afford more for housing. So home prices are then higher. I mean, just look at the leader Washington state. That's where you've got the headquarters for Amazon, Microsoft, Costco, Boeing, Starbucks, Expedia and more. They're all there now, taxes, though, they do tend to be highest in coastal states as well, so you're paying more for property, and you're also paying more in all types of taxes in a lot of cases. And as we know, rental properties usually don't work as well on the coasts, coastal rents haven't risen as much as home prices, and these places, they tend to have those laws and regulations that often favor tenants over landlords. And if you're looking at the map here like I am, you're going to note that some Rocky Mountain states have flexed their appreciation muscles as well. Now, Tennessee and the Texas triangle, they kind of decided to join the appreciation party fashionably late, as you look over 40 years. Yes, Tennessee and Texas, they really only started their big appreciation climb about a decade ago. All right, so those are some of the big winners every year since Punky Brewster debuted on television. Well, with today's rise of remote work and lower home affordability, the nation's interior, that's what looks increasingly desirable for property ownership the Midwest, the Great Plains, parts of the south and parts of the inland northeast. That makes these areas look like comparative deals where prices haven't wildly run up over the decades. And though you hear about return to Office policies, because a few major companies announce these return to Office policies. I mean, remote work is still up fully 15% year over year, and housing preferences are shifting as employees look to suburban Metro outskirts for more affordable homes so they're freed from the need to factor in these lengthy commutes in their lives like they had to previously. Now, among states that don't have strong in migration, one that could really shine is a place like Ohio. Ohio has appreciated less than most states still at 334% over the past four decades. Again, 490% is The National number. Ohio boasts tons of diverse industry, a low cost of living. They've got the seventh highest population in the nation. They have a stable population count for rental property owners. It has strong laws favoring landlords and Ohio. Is just a day's drive from half of North America's population. All right, so a smart listener like you is probably asking yourself a question right now, like, Okay, how does this 40 year stretches 490% rise in national home prices compare to inflation, and how does it compare to incomes? Over this time there's been 201% overall inflation and us, median household incomes have risen 260% and yeah, that 201% inflation number is suspect, just like most any inflation figure is inflation could certainly be higher than that, because most inflation measures likely understate the true diminished purchasing power of your dollar, and see the 490% rise. Although it sounds like a staggering number, and it still kind of is. It's also like, well, of course, it takes almost five times as many dollars to buy a home today, because each dollar's value is way down. What else has changed in the last 40 years? Well, houses are larger now than they were then. The median home size has grown 150% since 1980 and at the same time, the family size is smaller, fewer people live in each home, so everyone has more space. And I discussed those types of things in detail with you before, so I won't get into all of that again. Today's homes have better amenities too. So really, the point is, if you are paying more on an inflation adjusted basis, you are getting more and it's also more likely that two parents are working today rather than one, in order to make those payments more affordable. And that fact right there that is not a great lifestyle outcome. Another way to say it is that it takes two to afford a home today rather than one. But yet, hey, that is society. All right. So with that understanding, let's look at the future. I completely believe that real estate values can soar another 490% over the next 40 years. I mean, even 600 or 700% is not out of the question, and there are a lot of reasons for this. I mean, chiefly, we're starting from a base here of a low housing supply, and we've got strong demographic demand, and we can almost certainly expect more monetary inflation the next four decades. The inflation rate is the one thing that nobody knows. 40 years ago, mortgage rates were 14% today, they're only at about half of that level. And see today's median home price of over 400k like that figure would have seemed unfathomable to people back in 1984 but indeed, the price nearly 5x So similarly, another 490% or about 5x again, means that it is completely fathomable for the median us home to cost $2 million in another 40 years. That's about 5x of today's prices. And although that might sound unrealistic Now, that sounds just as unrealistic as today's price did to anyone from 1984 so really a super interesting way to think about home price appreciation. There, you might even make the case that home values, not prices, home values, they're not up that much at all. I mean, most of that is just that prices have adjusted for inflation, the value is about the same, although I'd still say that the value is up somewhat. So really, that's my thought there, and I duly regret bringing Bill Cosby into this whole thing. I ruined it.    I've been coming to you here from Austin, Texas, where I've been checking out the real estate market. I've got more for you straight ahead. It is a really profitable idea. I'm Keith Weinhold. There will only ever be one episode, 528, of the GRE podcast, and you're listening to it,    oh, geez, the national average bank account pays less than 1% on your savings, so your bank is getting rich off of you. You've got to earn way more, or else you're losing your hard earned cash to inflation. Let the liquidity fund help you put your money to work with minimum risk, your cash generates up to a 10% return and compounds year in and year out. Instead of earning less than 1% in your bank account, the minimum investment is just 25k you keep getting paid until you decide you want your money back. Their decade plus track record proves they've always paid their investors 100% in full or. And on time. And you know how I'd know, because I'm an investor in this myself, earn 10% like me and GRE listeners are. Text FAMILY to 66866, to learn about freedom. Family investments, liquidity fund on your journey to financial freedom through passive income. Text FAMILY to 66866    Hey, you can get your mortgage loans at the same place where I get mine, at Ridge lending group  NMLS. 42056, they've 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 Ridgelendinggroup.com, that's Ridgelendinggroup.com.   Robert Kiyosaki  26:05   this Rich Dad, Poor Dad. Author Robert Kiyosaki, listen to get rich education with Keith Weinhold,and there is I respect Keith, He's a very strong, smart, bright young man.   Keith Weinhold  26:25   Welcome back to GRE. We are grateful to have on the show today, the co founder and CEO of the whole operation, Freedom family Investments. They are seven, soon to be eight. I just learned real estate centric companies based in Centerville, Ohio. The other co founder is her husband, Flip, whom you've heard on the show before. Hey, it's terrific to have back. Danni-Lynn Robinson,   Dani-Lynn Robison  26:50   thank you so much, Keith. I love talking to you.    Keith Weinhold  26:54   It's the same here. You've been in real estate since 2008 and one of the things that you do is you have this perfect track record of always returning capital to your individual private investors, loans that they make to you, and paying 100% of the returns as promised, even if you yourselves end up losing money on a particular deal. And in fact, you the listener, you probably heard me talk about how I personally participate for a high yield return with them myself, with Danny Lynn's company backing me. You've heard that ad near the middle of GRE episodes, and you yourself can do this too. Individual investors can get a high yielding return, and it's paid to you as cash. So Danny Lynn, tell us about how it works. Generally.   Dani-Lynn Robison  27:40   I love that you started off with that particular statement, because I will tell you that every time I've been on a podcast of yours, the number one thing I hear when people get on the phone was you said on that podcast that even if you lose money, that I still get my return. And I have never heard of that before, so tell me more. So that was a perfect lead in because I think that what we're trying to do is just do a very good job of serving the people who help us build so as you said, we're on company number seven. We're building company number eight. And the reason that we've gotten to the stage that we are today is because we've had private lenders and people who invest in our syndication, our Master notes and our funds program, that investment has allowed us to buy properties, flip properties, buy apartments, flip apartments, and allowed them to get a return at the same time. And I've talked about the fact that we do volume as we've grown, we'll do 10 deals in any given month, and maybe one or two of them are like we find something, you know, in the wall that we didn't expect. Maybe we walk in and the past tenant left it in shambles and caused more damage to the property than we anticipated when we first went in. That's the nature of real estate, and that's the risk you take when you're an active real estate investor. So we knew when we were building our businesses that if we just did volume, that was going to happen, and we weren't going to run away from that fact, or take risk upon us or our investors by not mitigating it, by not doing volume. So you'll see situations where somebody does one flip a month, and that happens to them, and it's catastrophic when you're doing 10, and it happens which it will then you know that the other eight are going to bring the profit in. And so that it is easy for us to say, Thank you, Keith, for investing in us. This particular deal. We didn't lose any money on, but these eight we made a lot of money on, and that ensures that we can always pay you back in full on time, even if we lost money on a deal. And I think when that is explained to people on the phone, they start understanding why we can pay back everything as promised, even if we lose money, because we are still profitable as a company. And so that process of doing volume and having people. People trust us with their funds. As we've grown, has allowed us to get to Company Number eight, because, as we talked about right before we press record, one of the best things for us, Flip says, I love being Santa Claus. And Santa Claus is when you get that email or that check in the bank account that says, I just made money and I didn't have to do anything. I just partnered with Flip, Danny and the freedom team to do what they do already. I provided the money. They did the work. We all won together.   Keith Weinhold  30:29   Why does no real estate rehabber ever find gold bars behind a wallwhen they go in in order to turn over a property? Right? It's usually, you know, evidence of a leak or something bad, usually not something good going on back there. But yes, you do this volume across all these companies. So therefore, when you do find a leak behind a wall, and that particular deal didn't work out for a 100k rehab home, it sure can't bring down the entire operation. Danny Lynn, I've invested with you in your private money lending program for years now, and just been very open with my audience. I've let them know that I've been receiving an 8% return from you paid in cash. But one reason I'm having you back now to help our audience is because you now offer yields up to 10% so even better than when I got in. So tell us about that.   Dani-Lynn Robison  31:24   So we are always having conversations with our investors about what's going on in their investing journey, what are they looking for, and we want to create those win wins. And right now, with everything that's going on in the market, what we learned is liquidity is one of the most important pieces, because there's here, there's some uncertainty, and people want to invest. They don't want their money sitting idle and losing, having an eroding to inflation. They want to put it to work, but they want to have access to it. And so we have been changing and tweaking our programs to meet the needs of our investors, and making sure that we are buying properties that can then have that arbitrage to get us the profit we need to pay back our investors, but while we're still making a profit many times right now in this market, that does mean we're buying multi family properties, because there's so many different advantages to multi family properties, it does take a lot of underwriting to get there, but that's where, for the last, I would say, six to 12 months, we've been really focused in on that in order to increase the returns and have everybody just creating that win win.   Keith Weinhold  32:32   I'm really glad that you talked about multifamily properties, because I've talked with the audience about how the sector is beaten down. In a lot of places, you can get 30% discounts on multifamily apartment buildings, and we know that the long term demand is going to be there for occupancy in apartment buildings. Demographics is destiny, and we talk about this timing of having you on and now you're offering up to 8% discussing this, say, two and a half years ago, I don't think the timing was as good. That's when CPI inflation peaked at 9.1% so you really weren't getting a real yield. You need to subtract inflation from your yield in order to get a real return. And now you're getting a substantial real return. Since inflation is near 2% top online savings accounts, those top interest rates, they are falling with each successive federal funds rate cut, and most expect that those yields are going to continue to fall. People invest in bonds all the time, but the yield on the 10 year T note has been around 4% or quite a while. You don't have to settle for yields like that. And Danny Lynn, I love that you brought up the word arbitrage. This should be an arbitrage play for you the listener. But of course, for Danny Lynn, it needs to be an arbitrage play as well, because if she and her family of companies over there are paying you a yield of up to 10% they need to make arbitrage ontop of that themselves. And if you're a new listener, you might be skeptical of how you could reliably do that in real estate, but when you understand that real estate pays up to five ways at the same time and 30 to 40% total rate of returns without inordinate risk, are not dream land, the reality you can begin to understand the arbitrage. But Danny Lynn, can you tell us a bit more about how you do create that arbitrage to reliably pay a return of up to 10% How do you yourselves beat that in there?   Dani-Lynn Robison  34:26   That's where it comes down to multifamily. For us, the single family market has slowed down a little bit, and so multifamily is enabling us to do bigger things. But on a long term basis, we've built our companies up enough to a point where we are businesses are producing the cash flow that we need so we can pay our investors a higher return using the cash flow of the properties, and our long term wealth as a company is coming from down the line of the appreciation, especially in multifamily, the forced appreciation, and that refinance and that when. Fall. So everything that we structure is preferred returns, meaning we always pay our investors first and we come last when it comes to multifamily, those five ways start to compound over time, and that's what we really win, is because we know we're waiting, but we're waiting for a big return in 3,5,7, years. Sometimes we're waiting 1020, years, and our investors in the meantime are getting a really nice return better than they can in most other places, because we're willing to forfeit our current returns in this scenario, because our other businesses are producing the cash flow that we need.   Keith Weinhold  35:38   That's terrific. Tell us a bit about the program details. Then how is this note? Right? Because the investor, as soon as they make an investment with you, they do hold on to a note. Just tell us about how that's secured before we get into the details.   Dani-Lynn Robison  35:53    So it depends on the investment opportunity. Some investments are going to be secured by a note by the property. Some investments are going to be secured by a note by the business. Some investments are going to be secured by the fund itself. You're an actual owner, like or the syndication, an actual owner of what that fund is participating in. So every piece of security is a little bit different. So when you jump on the phone with us. We're asking a lot of questions, and the number one question that we ask is, what are your goals? Because if you do want liquidity, we know exactly where you're going to go. And some people are wanting liquidity for peace of mind, so that they can earn a higher return, but have access to the cash if they want it. Some investors are saying, Hey, I know there's about to be a lot of opportunities. So I want my money earning for me, but I want to be able to grab it, to be able to invest in these future opportunities that are going to come my way when I want access to the capital for that reason. Then there's other investors that are set it and forget it. Look. I like you guys. I trust you guys. I've vetted you guys. I've done my due diligence on you guys. I want to sit my money in there for three, five years. Some want tax benefits. And so what we do is we have, like, this table of investments with like, little check boxes. And as people tell us their goals, we're like, okay, they're there. They're by the end of the conversation, we're saying, here's the two investment opportunities we think fits what you like and what is going to meet your needs? What do you think? And then we start going with question and answers back and forth so they can fully understand it.   Keith Weinhold  37:27   We're talking about how to get a high yield paid to you regularly in cash with Danny Lynn Robi son, co founder of freedom family investments. Yeah. Danny Lynn, why don't you tell us then about this up to 10% return. But you do have some option based on people's needs for the duration of the investment, which gets into the liquidity and the minimum investment amount and being accredited versus not accredited. So tell us about some of those distinctions, differences and trade offs.   Dani-Lynn Robison  37:55   There's the accredited and non accredited piece, which is really the first piece that you should be talking about when you jump on the phone, because the answer to that question depends on where, like we first check the box of which investment opportunity is going to be right for you. Accredited investors can invest in both. Non accredited investors can only invest in non accredited options. So accredited, I'm sure you've explained many times on the podcast, is a million dollars net worth, minus your primary residence, or earning $200,000 for the last two years, and you expect to earn it again. Or if you're a married couple, earning $300,000 a year for the last two years and you expect to do it again, that would be an accredited investor. So if you qualify there, we've got multiple opportunities. Then if you're wanting liquidity, then, again, that's a checkbox for us that says liquidity fund. That's where you want to be learning more about you want to learn about those interest rates the liquidity fund is seven, eight and 10% based on how long you want to put your money to work. So some people say, hey, one year is good. That gives me exactly the liquidity I need, and that's going to give me a higher rate of return, which is 8% some people think three years is liquid. It's interesting to me, what people perceive as liquid, because anybody who's invested in a syndication knows sometimes that's five, seven and 10 years. So they view a three year investment at 10% Hey, that's liquid to me. I didn't have to lock it up for five, seven and 10 years. And then some people, 90 days is liquid. And so we have the liquidity fund seven, eight and 10% depending on which class you want to go in, 7% is 90 days, 8% is one year. 10% is three years. That's for accredited investors. We have our masternote program, which is for non accredited investors, that is 8% for two years, and 10% I think, for three years, and then we have Lincoln village, and that one is closing soon. I think we're at the final $1 million to raise. That is 12, 13, and 14% but that also includes tax benefits. The end, it is a five or probably seven year timeline, because it's a 48 unit apartment in Columbus, Ohio, if we refinance in three years, yay. Everybody wins. But I always set expectations it could be a longer timeline. And so those are the main opportunities that are available based on accredited, non accredited and your returns.   Keith Weinhold  40:20   Well, the yield on the 10 year T note is 4% but here, the yield on the one year private note is substantially higher. Well, Danny Lynn, do you have any last things to tell us before you let us know how we can learn more?   Dani-Lynn Robison  40:34   I think what's important is a trust. When I'm on the phone, I get three questions. Where do I start? Which path is right for me and who do I trust? And one of my biggest investors says Danny, I think number three question of Who do I trust is the most important one. So I think it's really important to get on the phone to ask questions, to ask, Hey, what didn't I ask that I should have asked? What should I know that I don't know? Because sometimes you don't know the right questions to ask, and so we have this graph of all the things you could be looking for in an investment that people don't even realize might be very important to them. So I think what is most important is just taking the first step of starting the conversation. Once you start the conversation, you start to learn, you start to get educated, you start to understand what your true goals really are, and then you can make an A confident decision, as opposed to what many of us do is, you know, sit on our hands for a little bit because we're just nervous. We're so nervous about losing money or we don't know who to trust, and we're so busy that a year passes by and we just didn't take action. So I just encourage people a 15 minute phone call might change the game for you and allow you to get started   Keith Weinhold  41:45    right indecision really is a decision in itself, a decision to not do anything and have some of your cash be atrophied to inflation. Tell the audience how they can learn more   Dani-Lynn Robison  41:58   They can text the word FAMILY to 66866 and that is going to connect you with our team, and we're going to reach out, hopefully, set up a call and get that conversation started.   Keith Weinhold  42:09   Oh. Danny Lynn, this is going to help a lot of people. Thanks so much for coming back onto the show.   Dani-Lynn Robison  42:13   Thank you, Keith,   Keith Weinhold  42:14   yeah, well, I think you know that I'm more of a borrower than I am  lender, but I'm a lender in this case. So for liquid funds, this has been a reliable source for an 8% liquid return without any hassle. I mean, it's about as passive as it gets. Of course, when you store money in a bank. You're giving the bank a loan as well, even though you might not have thought about it that way. Well, if you're looking for something a little less liquid, like a three year investment duration, you are going to get a higher return than 8% here. There are good options here if you're accredited or not accredited, and you don't have to invest in one specific apartment project either, like Lincoln village that Danny Lynn mentioned, and over there at her company, like she said, yeah, those are the three questions you can ask. Where do I start? Which path is right for me, and who do I trust? And on the phone really part of that second question, which path is right for me can be to ask Danny Lynn's team about how to get this highly passive return in the most tax efficient way for you.    There's so much vital content coming up here on the show in the future. Next week, it's the first time we'll have a former NFL player on the show is we'll discuss success principles that you can use in business and life, highly motivational stuff coming there in future weeks. So much more economics and real estate investing. Content is coming, including I've got an analysis of online search results, and you'll see what amenities tenants are really searching for today when they look for rental housing. And of course, as the year gets closer to the end, next month, I am going to reveal GRE 's home price growth forecast for 2025 and just as importantly, I will follow up with last year's prediction too. We'll look back at it and then see how it really turned out for high yield returns on your savings. You don't have to settle for disappointing interest rates where you spin your wheels because you're barely beating inflation. Learn more. Set up a call. Just text FAMILY to 66866 I'm your host. Keith Weinhold, don't quit your Daydream   Speaker 2  44:45   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  45:13   The preceding program was brought to you by your home for wealth building. Get rich education.com you

Robin Hoagland, CSB, from Centerville, Massachusetts, USAYou can read Robin's editorial in the Christian Science Sentinel.Listen to The Monitor Daily Podcast, as well as a wide range of other audio content, at christianscience.com/audio.