Podcasts about Central Florida

Have you ever found yourself scrolling through home listings in Horizon West or Winter Garden in Orlando, wondering if you could actually trade your hometown for a home near the theme parks? What does it really take to go from a passionate Disney vacationer to a full-time Florida resident?In this episode, I sit down with the ultimate guide for Central Florida relocators, top Realtor and YouTube personality Ken Pozak, to create a definitive roadmap for anyone dreaming of making the move. Ken shares his invaluable on-the-ground expertise, breaking down the entire process from the first thought to the final signature. We cover the excitement, the challenges, and the practical steps to making your dream a reality.In this episode, you'll learn:The current state of the Orlando real estate market as of Fall 2025 and what it means for buyers.A deep dive into the most popular neighborhoods for Disney fans—from Horizon West to Windermere to Celebration—and the unique "vibe" of each.The most common (and costly) mistakes that out-of-state buyers make during their home search.Honest budget expectations and a realistic look at what you can get for your money in close proximity to the parks.Ken's single most important piece of advice for anyone starting this exciting journey.Whether you're just starting to daydream or are ready to start packing, this conversation is your essential first step.Find more from our guest: Follow Ken Pozak on his YouTube ChannelCheck out The Orlando Real Contact my partners at ⁠MickeyTravels!⁠ They are the perfect people to get your next Disney vacation booked. Whether it's World, Land or Cruise, if it's Disney they will help. Contact them today to get started! ⁠https://mickeytravels.com/get-a-quote/⁠

Few women have made as profound an impact on Central Florida as Christi Ashby and Kate Slentz. As the founders of Orange Appeal Magazine and the Orlando Women's Conference, this inspiring mother-daughter powerhouse team has spent years shining a spotlight on women leaders, local businesses, and organizations doing incredible work in the community. Their mission has always been clear: to create space where women are celebrated, supported, and seen.In this full episode, Christi and Kate reflect on their entrepreneurial journey, the vision behind launching their magazine, and how the Orlando Women's Conference has grown into one of the region's most anticipated annual events. Beyond publishing and event production, they've embraced a bigger calling—empowering women to find their voices, grow their confidence, and step fully into leadership roles.

In this episode, Mardi Winder-Adams is joined by Anisa Palmer, whose life and work offer insight into the power of service, resilience, and purpose in the face of significant adversity. Anisa shares the path that led her to become a combat veteran, author, and dedicated social impact leader, with a special focus on health equity for underserved communities. Drawing inspiration from her father's entrepreneurial compassion and her mother's dedication to serving others even during her battle with breast cancer, Anisa learned early on the importance of connecting with and uplifting those around her.After two tours in Iraq, Anisa felt called to serve in a new way, driven by personal experiences that echoed her mother's influence during her deployment. The loss of her mother to breast cancer at just 38 shaped Anisa's mission, leading her to found I Will Survive, Inc. The organization started by providing a listening ear. It evolved to address the broader needs of cancer survivors and their families, offering everything from food and rental assistance to transportation and crucial mental health resources. Anisa shares information on the mentoring programs and partnerships that help entire families, acknowledging the ripple effect of a cancer diagnosis on loved ones and caregivers.Through the discussion, Anisa highlights how finding purpose during life's lowest moments can spark personal transformation. She recounts guiding clients through dark times by helping them visualize a life beyond their diagnosis, and she is candid about her own journey through postpartum struggles and divorce. Anisa emphasizes the importance of accessible support, healthy lifestyle choices, and the small steps that foster long-term well-being.About the Guest:Anisa Palmer is a combat veteran, author, and social impact leader dedicated to health equity and community empowerment. Born in St. Croix, U.S. Virgin Islands, she served two tours in Iraq before founding the nonprofit I Will Survive, Inc. in 2010, inspired by the loss of her mother to breast cancer. Based in Atlanta, her organization provides economic support, prevention education, and wellness services to those affected by breast cancer. Anisa holds a B.A. in Speech Communications from Georgia State University and an MPA from the University of Central Florida, focusing on nonprofit management and public health. She is also the CEO of Palmer Firm Group, a veteran-owned consultancy offering coaching and nonprofit strategy.For more information on how to support survivors directly or join our mission to provide wellness kits, emergency funding, and mental health services:https://www.iwillsurviveinc.org/donate https://www.youtube.com/IWillSurviveChannelTo connect with Anisa: Organization Website: https://www.iwillsurviveinc.org Firm Website: https://www.palmerfirmgroup.comBooks by Anisa Palmer: Purpose: The Ultimate Climax https://www.amazon.com/Purpose-Ultimate-Climax-Guide-Finding/dp/1702351017 Nonprofit Success Blueprint: https://www.amazon.com/Purpose-Ultimate-Climax-Guide-Finding/dp/1702351017LinkedIn: https://www.linkedin.com/in/anisapalmerFacebook Group: I Will Survive, Inc. https://www.facebook.com/iwillsurviveincPage YouTube: https://www.youtube.com/IWillSurviveChannelAbout the Host: Mardi Winder-Adams is an ICF and BCC Executive and Leadership Coach, Certified Divorce Transition Coach, Certified Divorce Specialist (CDS®) and a Credentialed Distinguished Mediator in Texas. She has worked with women in executive, entrepreneur, and leadership roles, navigating personal, life, and professional transitions. She is the founder of Positive Communication Systems, LLC, and host of Real Divorce Talks, a quarterly series designed to provide education and inspiration to women at all stages of divorce. Are you interested in learning more about...

All of us visited Central Florida in the Summer of 2025 to enjoy Walt Disney World and Epic Universe. On this episode, we discuss our thoughts on Tiana's Bayou Adventure and Rachel's experience at the Cake Bake Shop. What do you think of our discussion? Please let us know at show@magicourway.com or call 815-669-4226, or slide into our social media DMs. Every thought and opinion will forever be welcome on this Disney fan podcast. This is show #591.

Audio surf report and surf forecast on August 27 for Central Florida and the Southeast. Your host will also enlighten you on current events in the surfing industry and talk about events and entertainment happenings in the local and regional area. Surf Guru is also sure to dig up some new music that will get your feet groovin'. Stay tuned for more ...

This is The Beer Is Fundamental Show. This is Episode 146 and we want to welcome you once again to the NeighBeerHood where craft beer is always the talk of the town. We are your hosts, BT aka O-Beer-Wan Kenobi the Jedi Knight of craft beer and Lady T. We go to Disney a lot. We are Disney Passholders. We've been passholder since 2015. But we readily admit that we haven't even scratched the surface of what all Disney has to offer. It could be becuse we spend so much time at EPCOT. Don't let anyone tell you different. EPCOT is for adults. But I digress. We definitely do not take advantage of Disney Springs. Our introduction to The Edison is proof of that. We were able to attend the 2nd Annual Bartender's Bash at The Edison and it was so much fun. As they say, "There are no bartenders here. Only mixologists." That is an understatement. The Bartender's Bash is where eight of Central Florida's top mixologists compete with their handcrafted cocktails. Guests are able to sample and vote while indulging in perfectly paired bites prepared by The Edison. There's live entertainment and a silent auction with proceeds going to Give Kids the World Village. We did something a little different with this live show. We decided to keep the background noise. We're not sure how we feel about it. Lady T, who is usually camera ready with great pictures was totally off of her game. However, we still enjoyed ourselves. Hopefully, you enjoy the show. You can listen to this episode on your favorite platform where you get your podcast. Or you can scroll to the bottom of the page to listen or download the episode. Cheers!

Spooky season has officially arrived in Orlando, and the theme parks are pulling out all the stops! From kid-friendly trick-or-treating to terrifying haunted houses, there's something for everyone who loves Halloween magic (or mayhem). In this week's episode of Mom Street USA, we're taking you inside the biggest fall events across Central Florida so you can decide which ones are right for your family or friend group.

Welcome to the Social-Engineer Podcast: The 4th Monday Series with Chris Hadnagy and Mike Holfeld. Chris and Mike will be covering cutting edge global news to help people remain safe, secure and knowledgeable in a world where it is hard to know what is real and what is fake news.   Today Chris and Mike are joined by Bobby Knost. Bobby is a proud member of the Iron Workers Local Union 808, which represents workers across eight counties in Central Florida. He has been a Union Iron Worker since 1985 and currently serves as the Business Manager of Local 808, a position he has held since June of 2018. [Aug 25, 2025]   00:00 - Intro 00:16 - Mike Holfeld Intro 01:02 - Today's Guest: Bobby Knost 01:28 - Let's Start with "Why?" 02:44 - Just Give Me a Chance 04:19 - The Union Advantage 06:13 - Journey to Journeyman 07:21 - What Do I Do? -          https://www.ironworkers808.com/ 08:21 - Building Something 12:01 - An Act of Attrition 15:32 - Paying It Forward 17:39 - You're Gonna Want to Go Up! 19:16 - Google "Union Iron Workers" 20:17 - The Work is There 24:13 - Be A Cadillac 25:58 - Wrap Up 26:53 - Honoring Brother Mike 28:56 - Outro -          www.social-engineer.com -          www.innocentlivesfoundation.org   Find us online: -          Chris Hadnagy -          Twitter: @humanhacker -          LinkedIn: linkedin.com/in/christopherhadnagy

In this thought-provoking episode, we sit down with Mark L. Ruffalo, M.S.W., D.Psa., a leading psychotherapist, psychoanalyst, and professor of psychiatry at the University of Central Florida and Tufts University School of Medicine. With years of clinical experience in the psychoanalytic treatment of schizophrenia, borderline personality disorder, and other severe mental health conditions, Mark brings a depth of understanding rarely seen in today's therapy landscape. Together, we explore the pendulum swing of psychiatry and psychotherapy—from depth-oriented, long-term psychoanalysis to surface-level symptom management and back again. Mark shares his insights into: The forgotten depths of the human psyche that modern therapy often overlooks Why schizophrenia and borderline personality disorder require more than quick-fix interventions The history and future of psychotherapy in a medicalized mental health system How psychoanalysis still offers profound tools for healing and understanding human suffering If you're a therapist, clinician, or simply curious about the intersection of psychiatry, psychoanalysis, and human depth, this episode will challenge the way you think about mental health.   Mental health conditions, such as depression or anxiety, are real, common and treatable. And recovery is possible. To take your Free Mental Health screening visit https://walkthetalkamerica.org/ or click the following link.  TAKE A MENTAL HEALTH TEST We hope you enjoy this episode. Today's show is brought to you by Audible and Zephyr Wellness. Audible is offering our listeners a free audiobook with a 30-day trial membership. Just go to www.audibletrial.com/9WOGmy and browse the unmatched selection of audio programs – download a title free and start listening.. If you have any questions or request send us a message at info@nogginnotes.com / info@zephyrwellness.org Hope you enjoy the podcast and please go ahead subscribe and give us a review of our show. You can write a review on iTunes. 

Who is The Fat Jew? Erick has no idea, but they did mention a guest on the show who is Jewish. Erick and Zack talk about South Park and the direction it's going. Erick shared about attending a friend's birthday event at Devaney's Sports Pub, which featured a special menu and very drunk people. Zack had a new dream, and shockingly, Erick had one too. Zack also talks about the best flea market in Central Florida, which was much better than the ones Erick and Gabe went to as kids. All of that and so much more on the show today.   Links: The Podcast IG Erick Feiling Website Erick Feiling IG Zack Stack IG Comedian Erick Feiling

Audio surf report and surf forecast on August 25 for Central Florida and the Southeast. Your host will also enlighten you on current events in the surfing industry and talk about events and entertainment happenings in the local and regional area. Surf Guru is also sure to dig up some new music that will get your feet groovin'. Stay tuned for more ...

Life often feels like it moves faster than we can catch up—but what if peace isn't in controlling every moment, but in trusting Him to orchestrate the right one?  In “Being In God's Timing Produces Peace,” Pastor Billy Island teaches us that when life feels out of control, peace seems out of reach. But Ecclesiastes reminds us that God makes everything beautiful in its time. When we stop striving to make life happen on our own terms and start trusting His timing, that's when true peace begins. Everyone helping someone take steps to follow Christ. This is the vision of Journey Church, led by Pastor James Hilton, with multiple locations throughout Central Florida. https://journeyconnect.org Website: https://journeyconnect.org Facebook: http://facebook.com/journeyconnect Instagram: https://instagram.com/journeyconnect/ To support Journey Church's mission and help us transform lives both locally and globally, visit: https://journeyconnect.org/giving

The Swan and Dolphin are Marriott Bonvoy properties that have been at Walt Disney World since 1990 (their sister Marriott property, Swan Reserve, opened in 2021), and they hosted my family for a two-night stay at the Swan on a recent trip to Central Florida. As a good neighbor hotel officially with Disney Deluxe Resort benefits, the Swan is located in the EPCOT Crescent Lake resort area with easy walking distance (or Friendship boat) access to EPCOT, Disney's Hollywood Studios, Disney's BoardWalk, and Disney's Yacht & Beach Club resorts, plus bus service to Magic Kingdom (via Transportation and Ticket Center), Disney's Animal Kingdom, and Disney Springs. With comfortable rooms, world-class service, and a wide range of dining and recreation, the Swan is a hotel you should definitely consider for your next Walt Disney World vacation. You can learn more at https://swandolphin.com/ and https://www.instagram.com/swandolphin.   In this episode, we discuss everything you need to know about staying at the Swan, reveal details that make this property noteworthy, share reasons why you might want to stay here, and offer suggestions about how to make the most of your stay.   To plan a trip, be sure to work with KMV Travel.   Get bonus content, ad-free episodes, and more at patreon.com/imaginationskyway.   Tag me and join the conversation below. YouTube: https://www.youtube.com/@imaginationskyway Instagram: www.instagram.com/imaginationskyway Facebook Group (ImagiNation): https://www.facebook.com/groups/imaginationskyway Facebook: www.facebook.com/imaginationskyway TikTok: www.tiktok.com/@imaginationskyway  Threads: https://www.threads.net/@imaginationskyway Twitter: www.twitter.com/skywaypodcast Email: matt@imagineerpodcast.com  How to Support the Show Share the podcast with your friends Rate and review on iTunes - https://itunes.apple.com/us/podcast/the-imagineerpodcasts-podcast/id1244558092 Join our Patreon Group - https://www.patreon.com/imaginationskyway Purchase merchandise - https://www.teepublic.com/stores/imagineer-podcast?ref_id=8929 Enjoy the show!

In this inspiring episode of The Crossman Conversation, host John Crossman welcomes Janelle Dunn, CEO of True Health, for a powerful discussion on leadership, service, and healthcare transformation. Since taking the step in 2020 as CEO, Dunn has expanded access to care across Central Florida, launched mobile health units, and opened new pharmacies all while driving equity and compassion. Hear how her journey from banking to healthcare has shaped her mission, and why her impact reaches far beyond the walls of True Health. Tune in for a conversation that celebrates visionary leadership and community uplift.

NASCAR is in Central Florida this weekend for the final race before the playoffs as drivers try to lock in for the post-season, Third and final week of NFL preseason is underway, and The SEC will move to a 9-game conference schedule in football for 2026

This episode focuses on how individuals—especially thosenavigating dating and romantic relationships—can stay safe, assert their needs, and foster mutual respect. While love and connection are universal, dating can also come with risks. From personal safety to consent conversations to boundary-setting, this episode equips viewers with tools to navigate dating with confidence and clarity. Prevention isn't just about avoiding harm—it's about empowering people to choose healthy, respectful relationships. In our first segment, we're joined by Keri Higby, ProgramSpecialist with the Seminole County Sheriff's Office and Adjunct Professor at the University of Central Florida. Keri created the S.A.F.E. Women's Self-Defense program and brings over a decade of experience in crime prevention, empowerment education, and community safety. In our second segment, we're joined by Natasha D'Arcangelo,a Licensed Mental Health Counselor who works closely with clients processing trauma and rebuilding their sense of self. Natasha's work frequently involves helping individuals explore what healthy love and connection look like—especially when they've experienced harm or have never had a model for respectful relationships. In our third segment, we are joined by Corrine Phillips, aForensic Nurse Examiner with the Victim Service Center. Corrine works directly with survivors of sexual violence and brings valuable insight into the real-world impact of consent misunderstandings and dating violence. Guest Speakers Keri HigbyTitle: Specialized Services Senior Program Specialist;Adjunct ProfessorOrganization: Seminole County Sheriff's Office; UCFkeri.higby@ucf.edu or khigby@seminolesheriff.org,407-474-5127 Natasha D'Arcangelo, LMHCTitle: Licensed Mental Health CounselorOrganization: LBee HealthContact information to be displayed on screen: LBee Healthwww.lbeehealth.comnatasha@lbeehealth.com Corrine Phillips, FNETitle: Forensic Nurse Examiner CoordinatorOrganization: Victim Service Center of Central FloridaBelow are hotlines we recommend:VSC Helpline: (407) 500-4325National Sexual Assault Helpline (RAINN): 1-800-656-4673Florida Abuse Hotline: 1-800-962-2873 OR visit ⁠⁠myflfamilies.com⁠⁠⁠⁠ to report online.Victim Service Center of Central Florida, Inc.2111 East Michigan Street, Suite 210Orlando, Florida 32806Marketing@VictimServiceCenter.org⁠⁠⁠Website⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Facebook⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠YouTube⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Instagram⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠LinkedIn⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠TikTok⁠⁠⁠⁠⁠

Steve Haberlin, PhD - Demystifying Meditation Practice for Educators. This is episode 779 of Teaching Learning Leading K12, an audio podcast. Steve Haberlin, PhD, is an assistant professor of curriculum and instruction in the College of Community Innovation and Education at the University of Central Florida.  Dr. Haberlin's research focuses on the implementation of mind-body practices, including mindfulness, meditation interventions to address mental health concerns in educational settings and help students unfold their potential.  His research involves studying the impact of brief meditation, including the use of technology-assisted devices, to improve focus and reduce stress and anxiety. A life-long meditator, with more than 25 years' experience, his work involves facilitating meditation professional development training and workshops for faculty.  Dr. Haberlin is the author of Meditation in the College Classroom: A Pedagogical Tool to Help Students De-Stress, Focus, and Connect, Awakening to Educational Leadership: A Mindfulness-Based Approach to Supporting and Coaching Teachers, and Calming Student Stress: Mindfulness, Meditation, and Other Strategies to Reduce Anxiety and Enhance Learning in K-12 Classrooms, which was released earlier this year. Our focus today is on Demystifying Meditation Practice for Educators. So much to learn! Thanks for listening! Thanks for sharing! Before you go... Check out these workshops offered by Steve Haberlin. Click link  Mind-Body Practice Workshops for Teachers and Students   (De-stress, Focus, and Energize!)  Also, you could help support this podcast by Buying Me A Coffee. Not really buying me something to drink but clicking on the link on my home page at https://stevenmiletto.com for Buy Me a Coffee or by going to this link Buy Me a Coffee. This would allow you to donate to help the show address the costs associated with producing the podcast from upgrading gear to the fees associated with producing the show. That would be cool. Thanks for thinking about it.  Hey, I've got another favor...could you share the podcast with one of your friends, colleagues, and family members? Hmmm? What do you think? Thank you! You are AWESOME! Connect & Learn More: Don't forget to check out Steve's workshops: Mind-Body Practice Workshops for Teachers and Students   (De-stress, Focus, and Energize!)  http://facebook.com/steve.haberlin/ steve.haberlin@ucf.edu https://www.amazon.com/Calming-Student-Stress-Mindfulness-Meditation/dp/147587300X https://rowman.com/ISBN/9781475873016/Calming-Student-Stress-Mindfulness-Meditation-and-Other-Strategies-to-Reduce-Anxiety-and-Enhance-Learning-in-K-12-Classrooms https://TeachingLearningLeadingK12.podbean.com/e/steve-haberlin-calming-student-stress-mindfulness-meditation-and-other-strategies-to-reduce-anxiety-and-enhance-learning-in-k-12-classrooms-760/ Length - 47:52

Today on the show, we connect with the wonderful Audra Martin from Twins TV and Fan Duel Sports Network. We cover college days at Central Florida, her Chicago roots and our favorite hockey team.... the Minnesota Wild   Thanks to Minnesota Masonic Charities (mnmasoniccharities.org/), OnX Maps (onxmaps.com/), Lexus of Wayzata (lexusofwayzata.com/), & Lexus of Maplewood (lexusofmaplewood.com/)

Audio surf report and surf forecast on August 22 for Central Florida and the Southeast. Your host will also enlighten you on current events in the surfing industry and talk about events and entertainment happenings in the local and regional area. Surf Guru is also sure to dig up some new music that will get your feet groovin'. Stay tuned for more ...

Audio surf report and surf forecast on August 21 for Central Florida and the Southeast. Your host will also enlighten you on current events in the surfing industry and talk about events and entertainment happenings in the local and regional area. Surf Guru is also sure to dig up some new music that will get your feet groovin'. Stay tuned for more ...

Heading into his 15th season at the helm of the UNC Men's Soccer program, head coach Carlos Somoano joins Inside Carolina's Tommy Ashley and Cade Shoemaker for a wide ranging discussion about his program heading into the 2025. Recruiting, roster building, the physicality in today's game and more highlight the interview as the Tar Heels open their season on Thursday, August 21st against Central Florida on Dorrance Field in Chapel Hill.  The Inside Carolina Podcast network features a wide range of current UNC sports topics, from game previews and instant postgame analysis, to recruiting breakdowns. IC's stable of writers, insiders and analysts -- plus special guests -- comprise each program.

Audio surf report and surf forecast on August 20 for Central Florida and the Southeast. Your host will also enlighten you on current events in the surfing industry and talk about events and entertainment happenings in the local and regional area. Surf Guru is also sure to dig up some new music that will get your feet groovin'. Stay tuned for more ...

In this episode, I sit down with Bianca and Kyle of Oak and Iron to talk about their creative approach to photography, and carving your own unique path in the wedding industry.Meet Bianca and Kyle:Oak and Iron Photo is a husband-and-wife photography duo based in Central Florida. They specialize in weddings and portraiture all over the U.S. with a laid-back, offbeat approach. These dark lords of the industry are known for their double exposures, artistic compositions, and overall good vibes. Subscribe to Summer School to get access to exclusive podcast episodes, classes, an amazing community of photographers + educators, and tons more amazing content. Subscribe here Connect with Bianca and Kyle:Instagram: @oakandironphotoWebsite: www.oakandironphoto.comYoutube: @oakandironworld (be on the lookout for new BTS vlog vids!)TikTok: @pastramionrye Connect with Me:Subscribe to our emails for updates on all things Summer School! SUBSCRIBE HEREShow Notes: the-summerschool.comInstagram: @summergrace.photo  @the_summerschool Shop My Products:Become a Member of Summer SchoolMy Summer Grace x G-Presets (discount code: SUMMERSCHOOL)My Pricing Guide

Audio surf report and surf forecast on August 19 for Central Florida and the Southeast. Your host will also enlighten you on current events in the surfing industry and talk about events and entertainment happenings in the local and regional area. Surf Guru is also sure to dig up some new music that will get your feet groovin'. Stay tuned for more ...

Spooky season has officially arrived in Orlando, and the theme parks are pulling out all the stops! From kid-friendly trick-or-treating to terrifying haunted houses, there's something for everyone who loves Halloween magic (or mayhem). In this week's episode of Mom Street USA, we're taking you inside the biggest fall events across Central Florida so you can decide which ones are right for your family or friend group.

Audio surf report and surf forecast on August 18 for Central Florida and the Southeast. Your host will also enlighten you on current events in the surfing industry and talk about events and entertainment happenings in the local and regional area. Surf Guru is also sure to dig up some new music that will get your feet groovin'. Stay tuned for more ...

Can you really have it all—and still feel empty? In Ecclesiastes 1–2, King Solomon, the wisest and wealthiest man in history, wrestled with that exact question. He built, achieved, acquired, and indulged in every pleasure, only to discover it was all “meaningless…a chasing after the wind.” In “You Can Have It All and Still Regret It,” Pastor James explores Solomon's journey to uncover why chasing success, pleasure, and possessions still leaves us restless—and how true fulfillment is only found in God. Everyone helping someone take steps to follow Christ. This is the vision of Journey Church, led by Pastor James Hilton, with multiple locations throughout Central Florida. https://journeyconnect.org Website: https://journeyconnect.org Facebook: http://facebook.com/journeyconnect Instagram: https://instagram.com/journeyconnect/ To support Journey Church's mission and help us transform lives both locally and globally, visit: https://journeyconnect.org/giving

Send us a textIf they can flood the aisles of stores with school supplies on July 5th, then I can boldly venture onto Halloween in August. This week I share some creepy, sneaky, haunting tales I've found dripping off the spanish moss across the state of Florida.Put on your pjs, dim the lights and nestle into the pillows. When your eyes adjust to the darkness, hit and enjoy. Oh, and my favorite story? It's about a ghost at Walt Disney World. Guess what attraction this charming ghost haunts?Let's get into it.******The Kappa Legend episode I mention in today's show*******Show Sources and Materials:The Creepiest Town in America, Papa Meat, YouTubeTour of Florida's Haunted Hotels, CrimeReads.comHaunted Houses in Florida, FrightFindDisney World Ghost Stories, disneyworldenthusiast.com10 scary urban legends, haunted places to visit in Central Florida, FOX 35, OrlandoHaunted Places in Florida, howstuffworks.com10 Paranormal Swimming Holes in Florida, backpackerverse.comGreenwood Cemetery-Orlando, Orlando Haunts (book a tour if you're in town!)I don't accept sponsors and paid advertisers. I choose people, podcasts and authors I believe in to highlight in the ad segment. That's why I've been shining a spotlight on Derek Condit at Mystical Wares. He is both talented and generous with those gifts. Please give his books a look on the Mystical Wares website.Curious Cat Crew on Socials:Curious Cat on Twitter (X)Curious Cat on InstagramCurious Cat on TikTokArt Director, Nora, has a handmade, ethically-sourced jewelry company!

Audio surf report and surf forecast on August 15 for Central Florida and the Southeast. Your host will also enlighten you on current events in the surfing industry and talk about events and entertainment happenings in the local and regional area. Surf Guru is also sure to dig up some new music that will get your feet groovin'. Stay tuned for more ...

In this newest episode of the En Factor, we are thrilled to be joined by Tampa native Lauren Fernandez, who is the Tampa Bay Market Executive of the Bank of Central Florida. Lauren has extensive experience within the banking world, as she started her career in banking right out of college, working across countless different industries and with all sorts of different businesses and entrepreneurs. Throughout today's conversation, Lauren and Dr. Rebecca White take a deep dive into the world of banking and continuously emphasize the importance of preparation, organization, and understanding the impacts that financing can have on your business in order to increase the bankability of your business. No matter what stage you are at as an entrepreneur and business, you will want to tune in to this episode filled with advice and positive practices relating to the necessity of building mutual relationships with trusted advisors, the significance of structured business plans and models with clear goals, and the risks that can potentially hurt you and your business by not staying organized and consistently planning. Key Words - Banking, Finance

Audio surf report and surf forecast on August 13 for Central Florida and the Southeast. Your host will also enlighten you on current events in the surfing industry and talk about events and entertainment happenings in the local and regional area. Surf Guru is also sure to dig up some new music that will get your feet groovin'. Stay tuned for more ...

In this episode of the Feel Good Daily Show, Samantha engages in a heartfelt conversation with Ana Munoz, who returns to discuss her evolving work in intimacy and connection during pregnancy. They explore the importance of nurturing intimacy beyond physical aspects, the role of communication in relationships, and how the Presence Project and Prenatal Massage Blueprint can empower couples to connect deeply. Ana shares her insights on building intimacy, navigating body image changes, and fostering healthy communication, emphasizing the significance of modeling positive relationships for future generations.Chapters:00:00 Reconnecting Through Intimacy02:58 The Presence Project: Empowering Partners05:33 Communication and Connection in Relationships08:07 The Importance of Touch and Massage10:26 Prenatal Massage Blueprint: A New Approach13:26 Building a Lasting Relationship16:25 Empowerment Through Self-Care18:51 Creating Intimacy in Everyday Life23:36 Navigating Body Image and Vulnerability25:19 Communication and Intimacy in Relationships27:31 The Spectrum of Intimacy29:39 The Importance of Emotional Connection31:03 Creating Safe Spaces for Communication32:55 Empowering Partners in Pregnancy35:28 The Role of Hypnosis in Relationship DynamicsTakeaways:Intimacy encompasses more than just physical connection.The Presence Project aims to empower partners during pregnancy.Communication is key to maintaining intimacy in long-term relationships.Touch and massage can enhance emotional connection between partners.Postpartum intimacy requires ongoing effort and communication.Body image changes during pregnancy can affect intimacy.The Prenatal Massage Blueprint offers practical tools for couples.Healthy relationships are modeled for future generations.Empowerment in relationships can lead to deeper connections.Intimacy should be approached as a spectrum, not a binary concept.Bio: Ana Muñoz is the founder of Mind & Body Motherhood, a sacred space redefining how women experience care through pregnancy, birth, and beyond.With over a decade in the birth world as a licensed massage therapist, certified hypnosis practitioner, and doula, Ana bridges nervous system science with embodied support—offering a revolutionary approach to the childbearing year that centers rest, ritual, and unapologetic softness.Her work is devoted to helping mothers feel deeply supported—not because they earned it, but because it's their birthright. Through in-person sessions, digital resources like the Prenatal Massage Blueprint, and her ever-evolving vision for mentoring fellow birth workers, Ana is leading the Receptive Era: where support is sacred, and softness is a strategy.When she's not guiding women back into their bodies, she's soaking up slow mornings, sacred walks, and mama magic with her daughter in Central Florida. She's also a proud member of the Central Florida Birth Network, advocating for collaborative, heart-led care in the maternal wellness space.Links: Follow Ana on InstagramThe Presence ProjectPrenatal Massage Blueprint

Sky is the latest person from the Central Florida area to join us as a guest. As some I've been following for quite a while, I was very excited to get to talk with her! We're covering some great fandom topics. We start off with talking about the music she grew up with. From Alt. Rock, Emo, and Screamo, to focusing on My Chemical Romance, we cover what Sky enjoyed and still enjoys to this day. We talk a bit about the MCR lore, along with the album she'd recommend people listen to if they're first getting into MCR. From there, we get to talking about Marvel. Sky's introduction to Marvel originates from a variety of entry points. From animation and comics, to video games, leading ultimately to the Marvel Cinematic Universe. We talk about characters like Kitty Pryde, the Rogue/Gambit pairing, and some of her favorite MCU movies. Then, it's time to go to a galaxy far, far away, with Star Wars. Sky's entry point is one of the most unique ones I've encountered, so no spoilers here. You'll have to listen to the episode. We talk about two of her favorite characters - Bo Katan and Jyn Erso, and why they resonate with her. Sky talks about the various Star Wars media she likes, her favorites, and the wait for the Mandalorian and Grogu movie next year. Lastly, we wrap up with Cosplay. Sky talks about how she first got into Cosplay, some of her favorite cosplay pieces that she's done, including one where a cast member took a picture of it and shared it with the rest of the cast, and more. We talk about competitions, judging, and her future cosplay projects. You can find Sky at: https://www.instagram.com/stardarlingcos/ https://www.facebook.com/StarlightDarlingCosplay/ https://www.tiktok.com/@stardarlingcos https://linktr.ee/cieldarling Kitty Pryde's Awesome Mix on Spotify - https://open.spotify.com/playlist/0TWFos9gQg5N9Q6J6QcsjY?si=Ih66kzMbTiSfEp00P1LPlg    

Audio surf report and surf forecast on August 11 for Central Florida and the Southeast. Your host will also enlighten you on current events in the surfing industry and talk about events and entertainment happenings in the local and regional area. Surf Guru is also sure to dig up some new music that will get your feet groovin'. Stay tuned for more ...

Do you have a favorite fragrant plant? Looking to add more fragrance to your landscape? Join us to find out about bringing fragrance into your landscape with plants. Podcast survey: https://ufl.qualtrics.com/jfe/form/SV_0fBwQ9lnEIWoiCa Sources for Show Notes:    Find your local UF/IFAS Extension office:    https://sfyl.ifas.ufl.edu/find-your-local-office/    In Polk County, contact the Plant Clinic at 863-519-1041, polkmg@ifas.ufl.edu    Your Central Florida page https://centralfloridayard.substack.com/     Follow us on Instagram and Facebook @PolkGardening  Fragrance Gardens https://gardeningsolutions.ifas.ufl.edu/design/types-of-gardens/fragrance-gardens/ Fragrant Houseplants https://gardeningsolutions.ifas.ufl.edu/plants/houseplants/fragrant-houseplants/ Fifty Fragrant Plants For Florida Landscapes https://blogs.ifas.ufl.edu/brevardco/2020/04/07/fifty-fragrant-plants-for-florida-landscapes/ The Strongest Sense https://sites.psu.edu/sml6791/2022/04/28/the-strongest-sense/ Physiological Effects of a Garden Plant Smellscape from the Perspective of Perceptual Interaction https://pmc.ncbi.nlm.nih.gov/articles/PMC10048905/ Insect Odorscapes: From Plant Volatiles to Natural Olfactory Scenes https://pubmed.ncbi.nlm.nih.gov/31427985/  "Fragrantly Florida-Friendly": https://www.youtube.com/watch?v=OdGkitsNvp8 Sensory gardens: https://gardeningsolutions.ifas.ufl.edu/design/types-of-gardens/sensory-gardens/ Find all of the plants mentioned in today's episode by searching for the plant name on Gardening Solutions: https://gardeningsolutions.ifas.ufl.edu/   Podcast introduction and closing music: "Green Beans" by Big Score Audio. 

Do you ever go through seasons in your life where you feel alone? Do you feel like you don't have anyone to connect with?  In “You Weren't Meant to Go Alone,” Pastor James teaches us that whether you're feeling stuck, facing seemingly impossible obstacles, or simply wanting to grow deeper in your faith, this message offers practical guidance for inviting others into your journey and experiencing the supernatural power that comes when we walk together in faith.  Everyone helping someone take steps to follow Christ. This is the vision of Journey Church, led by Pastor James Hilton, with multiple locations throughout Central Florida. https://journeyconnect.org Website: https://journeyconnect.org Facebook: http://facebook.com/journeyconnect Instagram: https://instagram.com/journeyconnect/ To support Journey Church's mission and help us transform lives both locally and globally, visit: https://journeyconnect.org/giving

Rick Robins has a long history in working with Non-Profits, and he has brought that experience to a major ministry in Central Florida. Christian Help reaches a great number of people in Seminole County and beyond, helping those who are needing food - but so much more. They assist those needing a better paying job to bolster their experience, tutoring them to become gainfully employed, while also serving by providing one of the area's most robust job fairs. Rick is joined by Welton James, joining Mike in this episode.

Jim talks with Ken Stanley about the Fractured Entanglement Representation hypothesis in deep learning neural networks. They discuss open-endedness in AI systems & evolution, the Picbreeder experiment & its significance, the objective paradox of finding things by not looking for them, comparisons between Picbreeder & SGD networks, visual differences in internal representations, weight sweep experiments, modular vs tangled decomposition, implications for creativity & continual learning & generalization abilities, Unified Factored Representation as an alternative to FER, the relationship to grokking in neural networks, scaling considerations & evidence in larger models, potential methods to achieve UFR, connections to biological evolution and DNA representation, and much more. Episode Transcript Why Greatness Cannot Be Planned: The Myth of the Objective, by Kenneth Stanley and Joel Lehman "Questioning Representational Optimism in Deep Learning: The Fractured Entanglement Representation Hypothesis" by Akarsh Kumar, Jeff Clune, Joel Lehman, and Kenneth Stanley JRS EP137 - Ken Stanley on Neuroevolution JRS EP130 - Ken Stanley on Why Greatness Cannot Be Planned Kenneth O. Stanley is the Senior Vice President of Open-Endedness at Lila Sciences.  He previously led a research team at OpenAI also on the challenge of open-endedness. Before that, he was Charles Millican Professor of Computer Science at the University of Central Florida and was also a co-founder of Geometric Intelligence Inc., which was acquired by Uber to create Uber AI Labs, where he was head of Core AI research. He is an inventor of popular algorithms including NEAT, novelty search, and CPPNs. He has won more than 10 best paper awards and his original 2002 paper on NEAT also received the 2017 ISAL Award for Outstanding Paper of the Decade 2002 - 2012 from the International Society for Artificial Life.  He is also a coauthor of the popular science book, Why Greatness Cannot Be Planned: The Myth of the Objective (published originally in the US by Springer), and has spoken widely on its subject.

This episode explores the understanding of the intersection of autism spectrum disorder (ASD) and sexual violence prevention—including breaking stigmas, clarifying neurodiverse experiences in relationships, and promoting safety and respect. Individuals with ASD and neurodivergence experience the world in a unique way. However, they also face disproportionate rates of marginalization, discrimination and violence. Additionally, this group is more than 3 times as likely to experience sexual violence compared to those without disabilities. At VSC, we aim to understand the nuances of neurodivergence and how we can all be a part of protecting and supporting this community. In our first segment, we're joined by Maria Torres, a volunteer for the Autism Society of Florida, an educator in the field and a parent of a child affected by autism spectrum disorder. Maria shares some of the safety challenges that she see's children with autism struggling with today – including wandering and being drawn to water, which increases the risk of drowning. Also, Maria discusses the importance of families seeking support groups and community. In the second segment, we're joined by Michelle Zeman, a neurodivergent self-advocate, Board Certified Behavior Analyst, and co-host of the REACH podcast—an initiative from the Autism Society of Florida. Michelle uses both personal experience and professional insight to uplift neurodivergent voices, challenge stigma, and expand the conversation around relationships, communication, and safety.In the third segment, we're joined by Catharine Warren, an Autism Specialist with the UCF Center for Autism and Related Disabilities. Catharine will share how CARD supports individuals, families and professionals in creating safer, more inclusive spaces for people on the autism spectrum. For many neurodivergent individuals, safety is a concern. Catharine shares some of the practical safety strategies that have been effective in supporting neurodivergent people and protecting their family.Guest SpeakersMarria Torres: volunteer, educator, parent and volunteer at Autism Society of FloridaMichelle Zeman: Host of the REACH PodcastOrganization: Autism Society of Florida. REACH - https://www.autismfl.org/reachSafe Space the ABA Podcast - https://www.safespaceaba.com/ IG - @theautisticbehavioranalystCatharine Warren: Autism Spectrum Disorders Specialist at UCF Center for Autism and Related Disabilities (CARD)UCF Center of Autism and Related Disabilities Contact method: Phone: 407-823-6011 or Email ucfcard@ucf.edu Website: https://ucf-card.org/Below are hotlines we recommend:VSC Helpline: (407) 500-4325National Sexual Assault Helpline (RAINN): 1-800-656-4673Florida Abuse Hotline: 1-800-962-2873 OR visit ⁠myflfamilies.com⁠⁠⁠ to report online.Victim Service Center of Central Florida, Inc.2111 East Michigan Street, Suite 210Orlando, Florida 32806Marketing@VictimServiceCenter.org⁠⁠Website⁠⁠⁠⁠⁠⁠⁠⁠Facebook⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠YouTube⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Instagram⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠LinkedIn⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠TikTok⁠⁠⁠⁠

Audio surf report and surf forecast on August 08 for Central Florida and the Southeast. Your host will also enlighten you on current events in the surfing industry and talk about events and entertainment happenings in the local and regional area. Surf Guru is also sure to dig up some new music that will get your feet groovin'. Stay tuned for more ...

The Mark Moses Show is joined by Alan Zlotorzynski of Brevard Sports Network to get his thoughts on the new #Netflix Show on the #Florida #Gators , Alex Donno of Locked On Canes previews the #Miami #Hurricanes and Chris Bonanno of the Viera Voice also stops by to talk about the future of The Tampa Bay Rays in Central Florida. Mark broadcasts from The Law Offices of Anidjar & Levine Studios. #MelbourneFlorida #SpaceCoast #Orando #Florida

Today's guest is Matt Orosz. Matt Orosz is Co-President of Trinity Family Builders, launched in March 2024 by the Orosz brothers in Central Florida. He oversees marketing, sales, land acquisition & operations. Before starting Trinity Family Builders, he co-founded Royal Oak Homes (2011) and Hanover Family Builders (2017), both high-growth companies that were sold—Royal Oak in 2014 and Hanover in 2022 (to Land & Sea Homes, a publicly traded entity). He holds a bachelor's degree from Villanova and an MBA from Rollins College. In today's episode, we discussed: · Matt's curiosity, passion for homebuilding, & background in the industrial side of CRE · Public vs. private homebuilders · First-time buyers, market shifts, price points, affordability & rate buydowns (a gimmick?) · Market forecast, build-to-rent trend & regulatory headwinds · How the brothers run their family office (their investment allocation) · Orosz family history, giving back & the success of Cristo Rey Orlando High School · Advice for young professionals [CEP + 3]   Today's hosts are Steve Curley, CFA (Co-Managing Principal at 55 North Private Wealth) & co-host Jeff Goll, CFA(Managing Director & Head of Capital Markets at Hillpointe). Please enjoy the episode. You can follow us on Twitter & LinkedIn or at investorsfirstpodcast.com

Dr. Pradip Jamnadas is an interventional cardiologist. He's the founder and medical director of Aristotle Education & Cardiovascular Interventions. Dr. J has practiced in Central Florida for over 31 years. Show partners:  LMNT - Claim your free LMNT Sample Pack with any purchase by using this link Quicksilver Scientific - 15% off your first order by using the code "jesse15" at checkout Show notes: https://jessechappus.com/664

Kyle Diamantas, J.D. is the Deputy Commissioner for Human Foods at the U.S. Food and Drug Administration's (FDA's) Human Foods Program (HFP), where he oversees all FDA nutrition and food safety activities. As FDA's top food executive, Mr. Diamantas sets the strategic direction and operations for food policy in the U.S., while serving as a critical liaison between FDA, the U.S. Department of Health and Human Services (HHS), and the White House. He also represents the agency on food activities and matters in dealings with foreign governments and international organizations. Mr. Diamantas has extensive experience working with various federal and state agencies and policy-makers, scientific organizations, consumer advocacy groups, and industry stakeholders. He has wide-ranging experience on matters spanning regulatory, compliance, investigative, enforcement, rulemaking, and legislation. He holds a J.D. from the University of Florida Levin College of Law and a bachelor's degree in pre-law political science from the University of Central Florida. Conrad Choiniere, Ph.D. is the Director of the Office of Microbiological Food Safety (OMFS) at FDA's HFP. OMFS uses a risk management approach to evaluate and determine priorities that will help reduce the burden of pathogen-related foodborne illness in foods regulated by FDA, leads the development of risk-based policies, provides regulatory oversight, and recommends research priorities related to microbiological food safety. Dr. Choiniere joined FDA in 2003. He has a Ph.D. in Agricultural and Resource Economics from the University of Maryland and a B.S. degree in Chemical Engineering from Johns Hopkins University. In this episode of Food Safety Matters, we speak with Mr. Diamantas and Dr. Choiniere [3:09] about: Mr. Diamantas' background and his responsibilities as Deputy Commissioner for Human Foods, a role that he assumed in February The evolution of Mr. Choiniere's role at FDA since the structural reorganization that led to the creation of the new HFP, and how the OMFS within the HFP works to ensure food safety and protect public health Key issues to be addressed at HFP and potential changes to the program projected for the next 2–3 years Ways in which food safety culture influences the function and operation of the HFP How the HFP contributes to the broader goals of the “Make America Healthy Again” (MAHA) initiative led by HHS Secretary Robert F. Kennedy Jr. Ongoing efforts to collaborate with industry to improve produce safety, and how a food safety culture mindset might affect the way FDA and industry approach produce safety. Resources Reagan-Udall Foundation's ‘Roadmap to Produce Safety' Encourages Private Sector-Led Collaboration We Want to Hear from You! Please send us your questions and suggestions to podcast@food-safety.com

Claim your complimentary gift of my exclusive mini weight care guide today!Link: Weight Care Guide — Dr. Francavilla Show (thedrfrancavillashow.com)Have you ever wondered why getting obesity medications like Wegovy or Zepbound feels sooo complicated and honestly, kinda impossible sometimes?Between high costs, confusing insurance rules, and endless paperwork, even patients who qualify often struggle to actually start treatment.To help us break it all down, I'm joined by Dr. Nikita Shah, a board-certified obesity medicine physician and founder of WeightSense in Orlando, Florida. She focuses on practical, health-first weight care and also serves on the Medical Society of Central Florida board and the Obesity Pillars Journal editorial board. She's all about helping patients find real-world solutions that actually work.In this episode, we cover everything you need to know about accessing obesity medications, including:Why obesity is a real medical condition, not a personal failure.How cost and insurance create the biggest hurdles.The different coverage rules for medications like Wegovy, Zepbound, and Ozempic.What prior authorization really involves—and how to get through it.Affordable medication options like Qsymia and Contrave.Why most compounded anti-obesity medications aren't the safest choice.If you're ready to finally understand the process, cut through the confusion, and learn the smartest steps to get started, listen to the full episode now!Connect with Dr. Shah:Instagram: nikitashahdoWebsite: Weight SenseBlog Mentioned: Understanding Insurance CoverageConnect with me:Instagram: doctorfrancavillaFacebook: Help Your Patients Lose Weight with Dr. FrancavillaWebsite: Dr. Francavilla ShowYoutube: The Doctor Francavilla ShowGLP Strong: glpstrong.com

Welcome to Monsters on the Edge, a show exploring creatures at the edge of our reality in forests, cities, skies, and waters. We examine these creatures and talk to the researchers studying them.Joining us on this week's show:Tim Turner from Florida, is an Experienced Tracker, Lifelong Hunter and woodsman and a Military Veteran, U.S. Army. He became a Bigfoot Researcher in 2019 while searching for the truth, in Central Florida. Using tracking skills to find areas of activity to research, he has had encounters, found tree structures, found foot prints ranging from 6 inches up to 18 inches, has found Hairs and compared them to hairs from the wild animals in Central Florida as well as domestic animals such as horses and cattle. He has become skilled with game cameras and audio recorders. camcorder, GoPro, Thermal Camera, and drone, sharing and teaching what he finds and his experiences with his YouTube Channel and Facebook Bigfoot Group, recording re enactments, comparisons, and size videos, as well as tracking, survival, research gear videos. Using science methods such as forensics and experiments, and studying and teaching about Quantum Physics and how it plays a part of Sasquatch / Skunk Ape research, and connects with Paranormal, orbs, UFO's.Tim Turner's Facebook Grouphttps://www.facebook.com/groups/6314836448552496YouTube Channelhttps://www.youtube.com/@timtinflorida3407/videosClick that play button, and let's unravel the mysteries of the UNTOLD! Remember to like, share, and subscribe to our channel to stay updated on all the latest discoveries and adventures. See you there!Join Barnaby Jones each Monday on the Untold Radio Network Live at 12pm Central – 10am Pacific and 1pm Eastern. Come and Join the live discussion next week. Please subscribe.We have ten different Professional Podcasts on all the things you like. New favorite shows drop each day only on the UNTOLD RADIO NETWORKTo find out more about Barnaby Jones and his team, (Cryptids, Anomalies, and the Paranormal Society) visit their website www.WisconsinCAPS.comMake sure you share and Subscribe to the CAPS YouTube Channel as wellhttps://www.youtube.com/channel/UCs7ifB9Ur7x2C3VqTzVmjNQ

We're recapping a whirlwind Disney weekend filled with big thrills, bold flavors, and brand-new experiences across Walt Disney World. We kick things off at Magic Kingdom, where we got our first look at the brand-new Starlight Magic Parade. We'll share our honest thoughts on the floats, characters, music, and whether it lives up to the hype—or if it's just Main Street Electrical 2.0 with a new glow.Next, we head to EPCOT to dive into Test Track 3.0, the reimagining of the classic ride that now blends high-speed thrills with a touch of World of Motion nostalgia. Is it an upgrade, a downgrade, or just… different? We'll break it all down.Then it's time to eat—really well. We'll take you through our fine dining experience at Bourbon Steak, one of the top new steakhouses in Central Florida, tucked inside the Swan & Dolphin (Dolphin side) right on Disney property. And from white tablecloths to Yeti footprints, we shift gears with a quick review of our lunch at Yak & Yeti in Animal Kingdom.Of course, no trip is complete without snacks! We'll share what we grabbed from Sleepy Hollow and have some updates on the brand-new Wailulu Bar and Grill at the Polynesian Resort Tower—including zero-proof sips, sweet treats, and some surprisingly great finds. Come along for the ride! 

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  

Jessica from Central Florida shares her eerie experiences in a seemingly ordinary workplace where her desk is mysteriously rearranged, devices appear without explanation, and the security guard casually refers to “the ghost.” But the strange encounters don't start there. Years earlier, a childhood sleepover and a makeshift Ouija board may have opened a door that never fully closed. From slap marks to reversed monitors, this is a story of subtle hauntings that refuse to be ignored. If you have a real ghost story or supernatural event to report, please write into our show at http://www.realghoststoriesonline.com/ or call 1-855-853-4802! Want AD-FREE & ADVANCE RELEASE EPISODES? Become a Premium Subscriber Through Apple Podcasts now!!! https://itunes.apple.com/us/podcast/real-ghost-stories-online/id880791662?mt=2&uo=4&ls=1 Or Patreon: http://www.patreon.com/realghoststories Or Our Website: http://www.ghostpodcast.com/?page_id=118 

It's Monday, and allegedly a fun day. First, Tulsi Gabbard tries to worm her way back into Trump's good graces with a fresh Obama conspiracy theory, while Trump shares an AI-generated video of Obama being “arrested” by FBI agents. In an especially desperate attempt to shift attention away from Epstein headlines, Trump threatens to block a deal for the Washington Commanders' new stadium—unless they bring back the team's old name. Then we're joined by journalist Matt Duss to discuss his new piece in Foreign Policy, “The Biden Administration Lied About Gaza. It's Time to Hold Them Accountable.” Later, Candace Rondeaux, author of Putin's Sledgehammer, joins us to break down Russia's war in Ukraine and the Wagner Group's role in meddling in U.S. elections. In the Fun Half we watch Mehdi Hasan debate 20 far-right panelists in Jubilee's Surrounded series. Andrew Cuomo left his home in Westchester Country to visit Long Island to raise money for his New York City mayoral race and someone was kind enough to secretly record his speech. Turns out it was voter turnout that caused his defeat by 12 points. Fox News does some "embedded journalism" by sending a reporter to Central Florida for a puff piece that covers "consensual interactions" like finger printing workers for a national immigrant data base. All that and more plus your IMs. Become a member at JoinTheMajorityReport.com: https://fans.fm/majority/join Follow us on TikTok here!: https://www.tiktok.com/@majorityreportfm Check us out on Twitch here!: https://www.twitch.tv/themajorityreport Find our Rumble stream here!: https://rumble.com/user/majorityreport Check out our alt YouTube channel here!: https://www.youtube.com/majorityreportlive Gift a Majority Report subscription here: https://fans.fm/majority/gift Subscribe to the ESVN YouTube channel here: https://www.youtube.com/esvnshow Subscribe to the AMQuickie newsletter here: https://am-quickie.ghost.io/ Join the Majority Report Discord! https://majoritydiscord.com/ Get all your MR merch at our store: https://shop.majorityreportradio.com/ Get the free Majority Report App!: https://majority.fm/app Go to https://JustCoffee.coop and use coupon code majority to get 10% off your purchase Check out today's sponsors COZY EARTH: Go to cozyearth.com/MAJORITYREPORT for up to 40% off best-selling temperature-regulating sheets, apparel, and more.  RIUTAL: Get 25% off during your first month. Visit ritual.com/MAJORITY to start Ritual or add Essential For Men to your subscription today. SUNSET LAKE: Head on over to SunsetlakeCBD.com and use code NewSticks to treat your aches and pains to some much-deserved relief. This sale ends July 20th at midnight Follow the Majority Report crew on Twitter: @SamSeder @EmmaVigeland @MattLech Check out Matt's show, Left Reckoning, on YouTube, and subscribe on Patreon! https://www.patreon.com/leftreckoning Check out Matt Binder's YouTube channel: https://www.youtube.com/mattbinder Subscribe to Brandon's show The Discourse on Patreon! https://www.patreon.com/ExpandTheDiscourse Check out Ava Raiza's music here! https://avaraiza.bandcamp.com/ The Majority Report with Sam Seder – https://majorityreportradio.com/