Podcasts about Central Florida

 What story have you been telling yourself? This week on The Breakdown, Matthew Rhoads sat down with Pastor James to break down his message "Rewrite the Story."  Looking at Deuteronomy 8:2–3, Romans 8:15–16, Exodus 16:3, Matthew 4:4, Romans 12:2, and 2 Corinthians 10:5, we talk about how pressure often exposes the lies we've accepted about God, ourselves, and our future. Together, we unpack how remembering God's faithfulness helps replace those lies with truth—and how God uses His Word to reshape the way we think and live. If you feel stuck in old patterns or thoughts that keep pulling you backward, this conversation will help you see how God begins to rewrite your story through truth. 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 shockwaves are still hitting Central Florida!

Unlock Savings, Outsmart Scammers, and Take Control of Your Taxes Ready to make your taxes work for you—and not just for Uncle Sam? Join us for a deep dive into the tax credits millions of Americans overlook every year, costing them real money. We break down what credits matter most, how simple life changes—like saving for retirement, child care, and home improvements—can put cash back in your pocket, and why planning ahead is your strongest tool. But we don't stop there: Tax season is a prime time for scammers, and they're getting more sophisticated. Discover the five most common scams circulating this year—from IRS impersonators and fake refund offers to ghost preparers and phony charities. We share actionable steps to protect your identity, your refund, and your peace of mind. Whether you're a busy professional, retiree, or small business owner, this episode gives you the knowledge and confidence to maximize your savings, avoid costly mistakes, and stay safe. Tune in, take notes, and share with someone you care about—because awareness is the best defense we have. 

Audio surf report and surf forecast on March 16 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 ...

What story have you been telling yourself? In "Rewrite the Story," Pastor James teaches us that when pressure rises, it often exposes the lies we have accepted about God, ourselves, and our future. But God invites us to remember His faithfulness and replace those lies with truth. If you feel stuck in old patterns or thoughts that keep pulling you backward, this message will help you see how God rewrites your story through His Word. 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 If you're in the Daytona Beach area and want to learn more about our upcoming launch, go to https://journeyconnect.org/daytona 

X: @billyeargin @ileaderssummit @americasrt1776 @NatashaSrdoc @JoelAnandUSA @supertalk @JTitMVirginia Join America's Roundtable radio co-hosts Natasha Srdoc and Joel Anand Samy with Bill Yeargin, one of America's top CEOs who took an iconic American boat manufacturing company which was experiencing financial difficulties. By transforming the corporate culture at Correct Craft, Bill took Correct Craft with revenues of $40 million in 2009 and reached its goal of becoming a billion-dollar enterprise in 2023. During Yeargin's tenure, Correct Craft grew by over 20X and won many awards, including Florida's Manufacturer of the Year and the boating industry's Most Innovative Company. It also became an influential voice in the boating industry as well as in Washington, DC. In highlighting the new book titled "Mindset Matters" which he co-authored with Zach Hutcheson, CFO of Correct Craft, Bill Yeargin shares his insights and experiences over the past 20 years at the helm of Correct Craft. The company played a pivotal role in World War II when the leadership of the company in 1945 heeded the call of General Eisenhower who needed over 400 boats in the winter to move over 15,000 US soldiers in the perilous crossing of Germany's River Rhine. The company was then producing less than 20 boats per month, yet did the impossible in what National Geographic called the "Miracle Production" when Correct Craft built over 400 boats in less than 30 days while keeping the Sabbath. The unique story of Correct Craft over the past 101 years reminds us all of the creativity and ingenuity of Americans fueling innovation and achieving ground-breaking results. About Bill Yeargin: Bill Yeargin is a thought leader, CEO, board member, global traveler (110 countries), innovator, and culture evangelist. He has authored six books including the best sellers Education of a CEO and Faith Leap. Bill has shared leadership insights in innumerable articles and columns for over three decades and has been a popular speaker at hundreds of events on six continents. The company Bill leads as CEO, Correct Craft, is a 100-year-old company with global operations. Correct Craft's subsidiaries include multiple boat brands, engine brands, water sports parks, and entities devoted solely to vertical integration and innovation. The company has manufacturing facilities across the U.S. and distributes into about 70 countries. Under Bill's leadership, Correct Craft has developed a unique culture of “Making Life Better.” They have won all their industry's major awards and were recognized as Florida's “Manufacturer of the Year.” Correct Craft has also been recognized as the boating industry's “Most Innovative Company.” A passionate lifelong learner, Bill has earned a bachelor's degree in accounting and an MBA. He has also completed post-graduate studies at Harvard, Stanford, Wharton, MIT, and the London School of Economics. Bill is a certified public accountant and certified Lean Six Sigma black belt. In addition, he is certified in both Myers-Briggs Type Indicator and DISC. Palm Beach State College recognized Bill as an outstanding alum with its Emerald Torch Award. Nova Southeastern University awarded Bill a doctorate of humane letters in recognition of his “contribution to the lives of others and the betterment of humanity.” Bill served on numerous for-profit and non-profit boards and earned a certificate in corporate governance from both Columbia University and Cornell University. He also earned both a certificate in Risk Governance and Qualified Risk Director® credential from the DCRO Risk Governance Institute. Bill currently serves on multiple boards and is board chair of the National Marine Manufacturers Association (NMMA). Bill actively represents his industry on both national and state issues. He served both the Obama and Trump administrations on cabinet-level advisory councils and has been invited to the White House nine times by three different presidents. Bill was appointed by Florida's governor to serve on the University of Central Florida board of trustees. Bill has been recognized with many of the marine industry's top awards including Boating Industry's “Mover and Shaker of the Year.” Florida Trend magazine has recognized Bill as one of “Florida's Most Influential Business Leaders” and he is an Orlando Business Journal “CEO of the Year.” The governor of Florida also presented Bill with the “Governor's Business Ambassador Medal.” About Correct Craft: Celebrating 100 years of excellence in the marine industry, Correct Craft is a Florida-based company with global operations. Focused on “Making Life Better,” the Correct Craft family includes Nautique, Centurion, Supreme, Bass Cat, Yar-Craft, SeaArk, Parker, and Revel boat companies, Pleasurecraft Engine Group, Indmar Marine Engines, Velvet Drive Transmissions, Ingenity Electric, Mach Connections, Merritt Precision, Osmosis, Watershed Innovation, and Aktion Parks. For more information, please visit www.correctcraft.com. americasrt.com https://ileaderssummit.org/ | https://jerusalemleaderssummit.com/ America's Roundtable on Apple Podcasts: https://podcasts.apple.com/us/podcast/americas-roundtable/id1518878472 X: @billyeargin @ileaderssummit @americasrt1776 @NatashaSrdoc @JoelAnandUSA @supertalk @JTitMVirginia America's Roundtable is co-hosted by Natasha Srdoc and Joel Anand Samy, co-founders of International Leaders Summit and the Jerusalem Leaders Summit. America's Roundtable radio program focuses on America's economy, healthcare reform, rule of law, security and trade, and its strategic partnership with rule of law nations around the world. The radio program features high-ranking US administration officials, cabinet members, members of Congress, state government officials, distinguished diplomats, business and media leaders and influential thinkers from around the world. Tune into America's Roundtable Radio program from Washington, DC via live streaming on Saturday mornings via 68 radio stations at 7:30 A.M. (ET) on Lanser Broadcasting Corporation covering the Michigan and the Midwest market, and at 7:30 A.M. (CT) on SuperTalk Mississippi — SuperTalk.FM reaching listeners in every county within the State of Mississippi, and neighboring states in the South including Alabama, Arkansas, Louisiana and Tennessee. Tune into WTON in Central Virginia on Sunday mornings at 9:30 A.M. (ET). Listen to America's Roundtable on digital platforms including Apple Podcasts, Spotify, Amazon, Google and other key online platforms. Listen live, Saturdays at 7:30 A.M. (CT) on SuperTalk | https://www.supertalk.fm

Audio surf report and surf forecast on March 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 ...

Today on Coast To Coast Hoops Greg recaps Wednesday's college basketball results, talks to Ben Wilson vs VSIN in about the different dynamic in handicapping power conference tournaments vs tournaments for leauges that will get one bid & look at the Big Ten & WAC Tournaments & Greg picks & analyzes every Thursday game! Link To Greg's Spreadsheet of handicapped lines: https://vsin.com/college-basketball/greg-petersons-daily-college-basketball-lines/ Greg's TikTok With Pickmas Pick Videos: https://www.tiktok.com/@gregpetersonsports?is_from_webapp=1&sender_device=pc Podcast Highlights  1:34-Recap of Wednesday's Results 18:45-Interview with Ben Wilson 33:34-Start of picks Massachusetts vs Miami OH 35:54-Picks & analysis for Toledo vs Bowling Green 38:01-Picks & analysis for Buffalo vs Akron 39:56-Picks & analysis for Ohio vs Kent St 42:40-Picks & analysis for George Washington vs Fordham 44:59-Picks & analysis for St, Bonaventure vs George Mason 47:00-Picks & analysis for Duquesne vs Rhode Island 49:17-Picks & analysis for Loyola Chicago vs Davidson 51:31-Picks & analysis for NC State vs Virginia 54:07-Picks & analysis for Louisville vs Miami 56:14-Picks & analysis for Florida St vs Duke 58:49-Picks & analysis for Clemson vs North Carolina 1:01:20-Picks & analysis for Providence vs St. John's 1:03:49-Picks & analysis for Crieghton vs Seton Hall 1:06:08-Picks & analysis for Xavier vs Connecticut 1:08:10-Picks & analysis for Georgetown vs Villanova 1:10:43-Picks & analysis for Iowa vs Ohio St 1:13:28-Picks & analysis for Wisconsin vs Washington 1:15:49-Picks & analysis for Northwestern vs Purdue 1:18:32-Picks & analysis for Rutgers vs UCLA 1:21:02-Picks & analysis for Kentucky vs Missouri 1:23:14-Picks & analysis for Auburn vs Tennessee 1:26:07-Picks & analysis for Ole Miss vs Georgia 1:28:32-Picks & analysis for Oklahoma vs Texas A&M 1:31:32-Picks & analysis for Iowa St vs Texas Tech 1:33:30-Picks & analysis for Central Florida vs Arizona 1:35:50-Picks & analysis for BYU vs Housotn 1:38:18-Picks & analysis for TCU vs Kansas 1:40:46-Picks & analysis for UNLV vs Utah St 1:42:36-Picks & analysis for Nevada vs Grand Canyon 1:44:58-Picks & analysis for Colorado St vs San Diego St 1:47:24-Picks & analysis for San Jose St vs New Mexico 1:50:04-Picks & analysis for Middle Tennessee vs Louisiana Tech 1:52;31-Picks & analysis for Kennesaw St vs Western Kentucky 1:54:57-Picks & analysis for Tulane vs Charlotte 1:57:09-Picks & analysis for Florida Atlantic vs North Texas 1:59:35-Picks & analysis for Southern Utah vs UT Arlington 2:02:26-Picks & analysis for Abilene Christian vs Utah Tech 2:04:44-Picks & analysis for UC San Diego vs CS Northridge 2:06:57-Picks & analysis for UC Davis vs CS Fullerton 2:10:46-Start of extra games Alabama A&M vs Texas Southern 2:13:27-Picks & analysis for Arkansas Pine Bluff vs Southern 2:15:33-Picks & analysis for South Carolina St vs Norfolk St 2:16:51-Picks & analysis for Maryland Eastern Shore vs NC Central Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Audio surf report and surf forecast on March 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 ...

In this episode of The Tiberius Show, Tiberius sits down with Jarrod Daab, Vice President of Fund Development at Lighthouse of Central Florida, to talk about real-world careers that make a difference—especially careers that support people who are blind or living with vision loss.Jared breaks down (in teen-friendly language!) what fundraising / fund development actually is, how nonprofits build trust, and why transparency matters—plus how Lighthouse helps people build daily living skills like orientation & mobility, navigating safely, and gaining independence.We also dive into:•    Why Jared chose nonprofit work (and what surprises most people about it)•    How donations are used responsibly to grow programs•    Lighthouse's signature event “Dining in the Dark” (a full pitch-black dining experience!)•    Parenting, leadership, and what schools should teach (budgeting, life skills, and more)•    Math Corners: A real-world sign-order word problem (Braille + accessibility!)•    Heart of the Lion: Leadership without needing a titleBecome a supporter of this podcast: https://www.spreaker.com/podcast/the-tiberius-show--3352195/support.

In this homily The Rt. Rev. Dr. Justin S. Holcomb, Bishop ofthe Diocese of Central Florida - during his visitation to St. George Episcopal Church - addresses the message in the reading from Romans. He says that all of us are longing for peace and reconciliation. We must trust that all is forgiven. God loves you because you are His and He wants you now – not a future better version. We have been reconciled to Him. Because of this, God will never stop loving you.Send comments to: musingsonfaith@gmail.com.

This week's episode of Dollars & Sense dives into the headlines shaking up the financial world—from the U.S. and Israel's military action in Iran and rising oil prices to the launch of new “Trump accounts” for minors and the dreaded IRMAA Medicare adjustments. Joel Garris and Rob Field break down the immediate market reactions, share personal stories (including a real-life gas price dilemma), and offer practical, calm action steps for investors facing uncertainty. Learn how historical market shocks recover, why diversification beats prediction every time, and what you need to know about setting up Trump accounts for your kids—including how to snag up to $1,000 free from the government. Plus, get expert insight on IRMAA: how your income can unexpectedly bump up Medicare premiums and shrink your Social Security check—along with proactive tips to avoid getting caught off guard. Whether you're worried about your portfolio, planning for your child's financial future, or wondering how to navigate Medicare surcharges, this episode is packed with timely advice and actionable strategies. Tune in for relatable stories, clear explanations, and a holistic approach to making sense of your dollars in uncertain times. Don't miss out—your financial peace of mind might be just one listen away. 

Audio surf report and surf forecast on March 09 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 ...

Are you familiar with milkweed? Join us on this episode to learn why we recommend planting native milkweed and removing non-native milkweed from your yard.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 Yard Newsletter: https://centralfloridayard.substack.com/    Monarch and Milkweed: An Important Update: https://blogs.ifas.ufl.edu/polkco/2025/09/25/monarchs-and-milkweed/ Milkweed: https://gardeningsolutions.ifas.ufl.edu/plants/ornamentals/milkweed/ Native milkweeds: https://gardeningsolutions.ifas.ufl.edu/plants/ornamentals/native-milkweeds/ Creating a Native Wildflower Garden in Your Central Florida Yard podcast episode: https://podcasts.apple.com/us/podcast/creating-a-native-wildflower-garden-in-your-central/id1724213516?i=1000648747914 Florida Native Wildflower Foundation: https://www.flawildflowers.org/monarchs-and-milkweed/ Podcast introduction and closing music: "Green Beans" by Big Score Audio.    

What do you do when shame keeps following you? In "Drop the Shame," Pastor James shows us that we see how Jesus does more than remove shame. He gives a new identity. If shame has been shaping how you see yourself, this message points to the freedom Jesus offers and the new name He gives His people. 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 If you're in the Daytona Beach area and want to learn more about our upcoming launch, go to https://journeyconnect.org/daytona 

On this episode of the Florida Trail Runners Podcast, wecatch up with Jon Reid after completing one of Florida's most unique endurance challenges — the Big Scrub 150. And joining the conversation is Joe Miller, Race Director of Combat Racing and the creator behind the Big Scrub 150. In this episode, Jon walks us through his journey frompreparation to execution — the long miles, the mental battles, the role of family and crew, and what it felt like to finally get it done. Joe dives into how the Big Scrub 150 came to be, what makes the course such a challenge, and why the community aspect is so important to the spirit of the event.  Unlike a traditional race where everyone lines up at the same start line on the same day, the Big Scrub 150 is omething completely different. Runners have the entire calendar year to complete the 150-mile route through the rugged and sandy terrain of the Big Scrub area of Central Florida. It's an “on your own” adventure that requires planning, grit, and a strongsupport system. But what truly makes this event special is the communitybehind it. Before you can even attempt the Big Scrub 150 yourself, you have to give back — by crewing, pacing, or helping another runner during their attempt. That requirement creates a tight-knit network of runners supporting runners, and it's become one of the defining characteristics of the event. Huge congratulations again to Jon Reid for finishing the BigScrub 150 — a true test of endurance and determination. Also make sure to check out his Youtube page, YouRunYou, and the gear he's got on Shopify.

Today on Coast To Coast Hoops Greg recaps Thursday's college basketball results, talks to Brian Butch of the Big Ten Network about the landscape of the Big Ten, teams outside the top five in the sport that can be dangerous, and mid-majors to watch, & Greg picks & analyzes every Friday game! Link To Greg's Spreadsheet of handicapped lines: https://vsin.com/college-basketball/greg-petersons-daily-college-basketball-lines/ Greg's TikTok With Pickmas Pick Videos: https://www.tiktok.com/@gregpetersonsports?is_from_webapp=1&sender_device=pc Podcast Highlights  2:57-Recap of Thursday's Results 15:24-Interview with Brian Butch 32:51-Start of picks North Illinois vs Akron 35:12-Picks & analysis for Bowling Green vs Eastern Michigan 37:20-Picks & analysis for VCU vs Dayton 39:21-Picks & analysis for Columbia vs Havard 41:35-Picks & analysis for Pennsylvania vs Brown 43:26-Picks & analysis for Central Michigan vs Ball St 45:36-Picks & analysis for Western Michigan vs Kent St 47:32-Picks & analysis for Buffalo vs Toledo 49:40-Picks & analysis for Central Florida vs West Virginia  51:27-Picks & analysis for Miami OH vs Ohio 53:19-Picks & analysis for St. John's vs Seton Hall 55:28-Picks & analysis for UNLV vs San Diego St 57:44-Picks & analysis for Drake vs Belmont 59:50-Picks & analysis for Illinois Chicago vs Murray St 1:02:00-Picks & analysis for Valparaiso vs Bradley 1:03:55-Picks & analysis for Northern Iowa vs Illinois St 1:06:30-Picks & analysis for Northeastern vs North Carolina A&T 1:08:25-Picks & analysis for The Citadel vs Chattanooga 1:10:21-Picks & analysis for VMI vs UNC Greensboro 1:12:06-Picks & analysis for Sacred Heart vs Merrimack 1:14:09-Picks & analysis for Fairfield vs St. Peter's 1:16:23-Picks & analysis for Southern Miss vs Texas St 1:18:24-Picks & analysis for Georgia Southern vs South Alabama 1:20:38-Picks & analysis for Omaha vs South Dakota 1:22:44-Picks & analysis for Denver vs North Dakota 1:24:43-Picks & analysis for UT Martin vs Tennessee St 1:27:06-Picks & analysis for SE Missouri vs Morehead St 1:29:21-Picks & analysis for Portland vs Washington St 1:31:24-Picks & analysis for San Diego vs Seattle 1:34:13-Start of extra games Bellarmine vs Central Arkansas 1:36:04-Picks & analysis for Florida Gulf Coast vs Lipscomb 1:37:44-Picks & analysis for Stetson vs Austin Peay 1:39:23-Picks & analysis for West Georgia vs Queens 1:41:14-Picks & analysis for Gardner Webb vs High Point 1:42:59-Picks & analysis for Charleston Southern vs Winthrop 1:44:46-Picks & analysis for Longwood vs UNC Asheville 1:46:43-Picks & analysis for Presbyterian vs Radford Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Audio surf report and surf forecast on March 06 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 ...

Send a textWe sit down with John David of Sports ETA to unpack the surge in sports tourism, the rise of women's athletics, and how smart facilities turn weekend tournaments into lasting economic impact. Stories, data, and practical plays show how authentic moments become lifelong memories.• sports eta's four pillars and national view• data on female participation and leadership links• facility development as economic infrastructure• spectator versus participatory tourism dynamics• how youth events seed future leisure travel• authentic local touches that elevate events• examples from Spokane and Central Florida• practical ways hotels and partners can lean in• bmx origins, olympic pathway, and facility playbook• quad cities momentum and community prideThank you, John. Visit sportsquadcities.com for planners, fans, and upcoming events. It all starts with Visit — explore more at VisitQuadCities.comQC, That's Where is a podcast powered by Visit Quad Cities. Through the people, partnerships, and personalities woven throughout the Quad Cities region, you'll meet real Quad Citizens and hear the untold stories of the region.Follow Visit Quad Cities on social media and never miss an episode of #QCThatsWhere.FacebookInstagramLinkedInX

THURSDAY HR 4 Moe DeWitt in studio! Moe For the Weekend. What to do in Central Florida this weekend. Juici Patties!! New location in Orlando. News From The Headlines Toughest Job In America

THURSDAY HR 4 Moe DeWitt in studio! Moe For the Weekend. What to do in Central Florida this weekend. Juici Patties!! New location in Orlando. News From The Headlines Toughest Job In America See omnystudio.com/listener for privacy information.

Central Florida legend (and now Colorado legend) Cat Ridgeway joined us to talk about the 2001 classic (yes, it is a classic) "Toxicity" from System of a Down. Plenty of other discussion including mental health and the check engine light, banjos, watching MTV at breakfast time, The Grammys, horses can't fly jet planes, prison systems, and more.Check out Cat at:  https://www.catridgeway.com/ Check out System of a Down at: https://www.systemofadown.com/ Check out other episodes at RecordsRevisitedPodcast.com or one all your favorite podcast providers like Apple Podcasts, Castbox, iHeartMedia, and Spotify. Additional content is found at: Facebook.com/recordsrevisitedpodcast or twitter @podcastrecords or IG at instagram.com/recordsrevisitedpodcast/ or join our Patreon at patreon.com/RecordsRevisitedPodcast

Senior Ambassador Animal Keeper, Christina O'Donnell, and Team Lead Zoo Educator, Josh Brandel, from the Central Florida Zoo, introduce us to Irwin, a White's tree frog from Australia, in celebration of World Frog Day. Along with sharing some fascinating facts about Irwin, Josh and Christina also talk about upcoming events at the Zoo, including Spring Break and Summer Camp, a Night Hike Under the Stars, Hippity Hop Adventure, and more.

Senior Ambassador Animal Keeper, Christina O'Donnell, and Team Lead Zoo Educator, Josh Brandel, from the Central Florida Zoo, introduce us to Irwin, a White's tree frog from Australia, in celebration of World Frog Day. Along with sharing some fascinating facts about Irwin, Josh and Christina also talk about upcoming events at the Zoo, including Spring Break and Summer Camp, a Night Hike Under the Stars, Hippity Hop Adventure, and more.See omnystudio.com/listener for privacy information.

In this episode, Héctor Montilla-Peña, EIT, CMIT, field engineer at Allan Myers, and Jocivan Cabrera, graduate engineer at Walter P Moore, join the conversation to share how they found their path into civil engineering and became active in the American Concrete Institute (ACI). Both guests reflect on discovering the field through early academic experiences and getting involved with ACI through student chapters—Héctor in Ecuador and Jocivan at the University of Central Florida. They discuss stepping into leadership roles and how ACI opened doors to friendships, faculty relationships, research opportunities, and professional networks that helped shape their careers. The discussion also explores their first ACI convention experiences and their involvement in committee work focused on supporting students and young professionals. Héctor and Jocivan reflect on key decisions during college and the early stages of their careers, including graduate school choices, internships, and evolving interests across design, structures, and construction management. They close by encouraging students and emerging professionals to seek opportunities, step outside their comfort zones, and take advantage of programs like ACI's mentor program to make the most of conventions and build lasting professional connections. Check out the video podcast here: https://youtu.be/Bc40uDRwprY   Engineering Greatness is produced by Association Briefings. 

Join Loud and Proud Orlando for the latest on your defending champs! We're diving into the stunning new 2026 Unity Kit honoring Orlando's resilience 10 years after Pulse, recapping preseason scrimmages vs. Louisville, UF, and Gotham FC, any fresh player transfer updates, Luana's return to the Brazil national team, highlights from the She Believes Cup, and the exciting new partnership with WKMG News 6 bringing more coverage to Central Florida fans. Pride news, analysis, and fan vibes—don't miss it!

Dr. Betsey Hermanson Boughton is originally from Michigan and now resides in Sebring, FL. She graduated with a B.S. in Biological Sciences from Central Michigan University and earned her PhD from the University of Central Florida in Conservation Biology. Her roots run deep at Archbold Biological Station and Buck Island Ranch (BIR). She first started as an intern and she now serves as the Director of Science. Her research at BIR is focused on the quantification of multiple ecosystem services provided by working ranches, understanding how ranch management practices affect multiple ecosystem services and disservices, and the drivers and threats to ecosystem services, such as invasive species and climate change. Dr. Boughton serves as an integral part of the scientific community, helping to bridge the gap between science, conversation, and ranching.

Ready to safeguard your finances and make confident life transitions? In this must-listen episode of Dollars & Sense with Joel Garris, Joel dives into two of today's most important money topics: protecting yourself from modern scams and preparing for a move to a retirement care community. 

Audio surf report and surf forecast on March 02 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 ...

Send a textThyroid Talk with Dr. Angela Mazza, DOShow Notes Episode 47; Recorded: 1-20-2026Small Molecules, Big Impact: Peptides for Thyroid HealthHost: Dr. Angela Mazza, DOCo-host: Dawn Sheffield I'm Dr. Angela Mazza, D.O., a thyroid, endocrine, and metabolism specialist with a private practice in Central Florida.  My goal for this podcast is to define and demystify the thyroid gland, and thyroid-related medical conditions.  By providing information in an easy-to-understand format, we hope to help patients better understand the ways in which their bodies work, and to help them thrive.  My goal is to help us live more fulfilling lives by taking control of our health, to feel our best.  Here's some of what we covered in episode 47 (Small Molecules, Big Impact: Peptides for Thyroid Health), not necessarily in this order: ·        What are peptides and what work do they do?·        How peptides help with cellular dysfunction.·        How peptides are delivered into the body.·        Which peptides are often used for thyroid patients--and why.·        Peptides may help when a person's lab reports look better, but they do not feel better.·        Peptide therapy is an investment in cellular health.  Costs can vary depending on various factors.·        Peptides bring hope, and hope is the future of endocrine care.·        And best of all we learned that we CAN impact our thyroid health! My book, Thyroid Talk: An Integrative Guide to Optimal Thyroid Health, is available on Amazon.  For information on the related Webinar and online master course, see thrivethyroid.com.  Or forward your name and email to thyroidtalk.mazza@gmail.com or to our website: metaboliccenterforwellness.com  The webinar coordinates with the online master class.  The master class has modules that cover topics like diagnosis of thyroid issues, personalized treatment, gut healing, and much more--plus some bonuses. Visit the Wellness Store at metaboliccenterforwellness.com regarding supplements mentioned in various episodes of this podcast.  Please stay in touch!  Send your comments, show ideas, and questions to thyroidtalk.mazza@gmail.com  We may disclose your general location on air (the city or town, for example), but we will not read your name nor your address on the show.  We reserve the right to edit your input as necessary.  See the website at metaboliccenterforwellness.com; our YouTube channel (Dr. Angela Mazza), Facebook, and Instagram.   The topic of our next episode, number 48, is Testosterone for Women.Citations, references, additional information:Mazza, A. Thyroid Talk: An Integrative Guide to Optimal Thyroid Health.  Available now on Amazon.Ask your healthcare provider about specific questions regarding your wellness.  This podcast is meant for educational purposes only.  Copyright 2026 Dr. Angela Mazza DO.  Thyroid Talk with Dr. Angela Mazza, DO.  All rights reserved.Check out our YouTube channel - Dr. Angela Mazza, our website at Metabolic Center for Wellness, our FaceBook and our Instagram page.

Ever thought of doing just a 1-day trip to the Disney Parks if you don't live in Central Florida? Just fly in one morning and fly back home that same night? Well, on this episode we'll tell you about our 1-day trip to Walt Disney World on Valentine's Day.

In this message from the Greater series, Pastor Danny de Armas shares how God provides everything we need so we can live with open hands and open hearts. Looking at 2 Corinthians 9:10, we're reminded that God not only supplies what we have but also multiplies it when we choose to give. Every gift becomes an opportunity for God to shape our lives and influence the lives of others across Central Florida. Through stories of real impact and a call to trust God's provision, this message encourages us to see generosity as a way to join what God is already doing in our community and to experience the joy that comes when our faith grows beyond addition and into multiplication. (03/01/2026)

Have you ever told yourself, "I can't stay like this"? In "Break the Cycle," Pastor James walks through how to break the cycle that keeps pulling you back. No matter how far you've drifted, the Father is not running from you. He is running toward you. 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 If you're in the Daytona Beach area and want to learn more about our upcoming launch, go to https://journeyconnect.org/daytona 

Mike and EB are BACK from their most triumphant Central Florida adventure, and they've got stories that'll make your feet hurt just listening. Six parks. Four days. One cursed ride that refused to open (looking at you, Stardust Racers).   This week, the guys kick things off with Mike's absolutely unhinged hotel check-in saga at Cabana Bay. Then it's off to Islands of Adventure, where a wedding-day detour turned into a full-on theme park sprint — Spider-Man, VelociCoaster, Hagrid's Magical Creatures Motorbike Adventure, and The Mummy, all knocked out before anyone had to put on a suit.   Plus: why the Bourne Stuntacular will blow your mind, how Mike accidentally became a Villains-Con Minion Blast addict, and what happens when you ride King Kong alone after two Fire Whiskeys. (Spoiler: there's yelling.) Big news, quick hits, and a juicy SeaWorld tease are all in the mix too.

Audio surf report and surf forecast on February 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 ...

THURSDAY HR 4 Moe For The Weekend!! Cool events around Central Florida with Moe DeWitt. Is it possible to want for too much and ruin the success that you have? News From The Headlines New burger at McDonalds.

THURSDAY HR 4 Moe For The Weekend!! Cool events around Central Florida with Moe DeWitt. Is it possible to want for too much and ruin the success that you have? News From The Headlines New burger at McDonalds.See omnystudio.com/listener for privacy information.

What if the freedom you want starts with owning what you've been hiding?   This week on The Breakdown Podcast, we sat down with Pastor James to break down his message "Own The Mess," rooted in 1 John 1:9. We talk about the battle between sin and obedience, why hiding keeps you stuck, and how confession leads to real freedom in Christ.   Freedom doesn't come from managing your mess—it comes from bringing it into the light. Jesus doesn't run from your struggle. He meets you in it. And when you confess instead of conceal, you step into the forgiveness and freedom He already paid for.   If you're wrestling with guilt, shame, or patterns you can't seem to break, this conversation will help you take a practical step toward lasting spiritual freedom. 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 ____ Stay Connected 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 #journeychurch #jameshilton

Audio surf report and surf forecast on February 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 ...

Today on Coast To Coast Hoops Greg recaps Monday's college basketball results, talks to Mid Major Matt Josephs of ESPN Radio in Richmond about his takeaways from Duke vs Michigan & Houston vs Arizona, the teams trying to track down the top four, the ACC & Atlantic 10 landscapes, & Tuesday games, & Greg picks & analyzes every Tuesday game! Link To Greg's Spreadsheet of handicapped lines: https://vsin.com/college-basketball/greg-petersons-daily-college-basketball-lines/ Greg's TikTok With Pickmas Pick Videos: https://www.tiktok.com/@gregpetersonsports?is_from_webapp=1&sender_device=pc Podcast Highlights  2:02-Recap of Monday's Results 10:09-Interview with Mid Major Matt 28:27-Start of picks Washington vs Rutgers 30:44-Picks & analysis for Miami OH vs Eastern Michigan 33:04-Picks & analysis for George Washington vs La Salle 35:34-Picks & analysis for Saint Louis vs Dayton 38:04-Picks & analysis for Northwestern vs Indiana 40:24-Picks & analysis for Duke vs Notre Dame 42:28-Picks & analysis for Marquette vs Georgetown 45:46-Picks & analysis for NC State vs Virginia 48:13-Picks & analysis for Wake Forest vs Boston College 50:29-Picks & analysis for Cincinnati vs Texas Tech 53:02-Picks & analysis for West Virginia vs Oklahoma St 56:08-Picks & analysis for Kentucky vs South Carolina 58:54-Picks & analysis for Old Dominion vs Marshall 1:01:31-Picks & analysis for Buffalo vs Akron 1:04:00-Picks & analysis for Massachusetts vs Ball St 1:06:29-Picks & analysis for Central Michigan vs Kent St 1:08:44-Picks & analysis for Western Michigan vs Bowling Green 1:10:00-Picks & analysis for Louisiana vs Troy 1:12:51-Picks & analysis for Northern Illinois vs Toledo 1:15:23-Picks & analysis for Xavier vs Providence 1:17:50-Picks & analysis for Coastal Carolina vs Georgia St 1:20:38-Picks & analysis for Southern Indiana vs Morehead St 1:23:05-Picks & analysis for Bradley vs Illinois Chicago 1:25:38-Picks & analysis for Southern Miss vs Arkansas St 1:28:07-Picks & analysis for Minnesota vs Michigan 1:30:36-Picks & analysis for Iowa St vs Utah 1:33:17-Picks & analysis for Auburn vs Oklahoma 1:36:20-Picks & analysis for Fresno St vs Colorado St 1:39:02-Picks & analysis for San Jose St vs Air Force 1:41:29-Picks & analysis for Miami vs Florida St 1:43:27-Picks & analysis for Arizona St vs TCU 1:45:54-Picks & analysis for Arizona vs Baylor 1:48:42-Picks & analysis for Wyoming vs Boise St 1:51:06-Picks & analysis for Tennessee vs Missouri 1:53:48-Picks & analysis for USC vs UCLA 1:56:11-Picks & analysis for Central Florida vs BYU 1:58;33-Picks & analysis for New Mexico vs Nevada 2:00:50-Picks & analysis for St. Francis PA vs New Haven Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Keith digs into what's really going on with apartments now that values in many markets have dropped 20–40%. You'll hear why larger multifamily properties have been hit so much harder than one-to-four unit rentals, and what that means for both current owners and new buyers. "The Apartment King," Brad Sumrok, joins the conversation to share how recent economic shifts, financing structures, and market forces have reshaped the apartment landscape—and why he believes we may be near a key turning point in the cycle. You'll also learn how investors are approaching deals differently today, what makes certain markets and property types more attractive right now.  Resources: Learn more about Brad here. Episode Page: GetRichEducation.com/594 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  For predictable 10-12% quarterly returns, visit FreedomFamilyInvestments.com/GRE or text  1-937-795-8989 to speak with a freedom coach Will you please leave a review for the show? I'd be grateful. Search "how to leave an Apple Podcasts review"  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— GREletter.com  Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Keith Weinhold  0:01   welcome to GRE. I'm your host. Keith Weinhold us. Apartment Building values have fallen 2030, even, 40% over the past few years. Investors lost millions. What are all the reasons that it happened? And when will apartments turn around? I'm joined by the apartment king today on get rich education.   Corey Coates  0:26   Since 2014 the powerful get rich education podcast has created more passive income for people than nearly any other show in the world. This show teaches you how to earn strong returns from passive real estate investing in the best markets without losing your time being a flipper or landlord. Show Host Keith Weinhold, writes for both Forbes and Rich Dad advisors, and delivers a new show every week since 2014 there's been millions of listener downloads of 188 world nations. He has a list show guests include top selling personal finance author Robert Kiyosaki. Get rich education can be heard on every podcast platform, plus it has its own dedicated Apple and Android listener phone apps build wealth on the go with the get rich education podcast. Sign up now for the get rich education podcast or visit get rich education.com   Keith Weinhold  1:09   the same place where I get my own mortgage loans is where you can get yours. Ridge lending group and MLS, 42056, they provided our listeners with more loans than anyone because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage. Start your prequel and even chat with President chailey Ridge personally while it's on your mind, start at Ridge lending group.com that's Ridge lending group.com you   Corey Coates  1:40   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  1:59   Welcome to GRE from Monterrey, California to Monterrey, Mexico and across 188 nations worldwide. America's favorite shaved mammal on a microphone has got his slack. John, act back on track for another wealth building week with you. I'm Keith Weinhold. This is get rich education, and I'm still not wearing a pair of Dockers. We all know that the one to four unit space single family homes, up to four plexes have held under their values despite soured affordability, but five plus unit apartment buildings are a drastically different story. We're going to talk about just how much value they've lost recently, and the reasons why it's about more than just the interest rates doubling and tripling that began in 2022 Today's guest is an apartment educator. His students have had both losses and wins over time. I'll ask about both, because adversity is where you get the lessons now today, you might buy an apartment building at a steep discount compared to what it sold for five years ago. And who might you buy an apartment from today, it might not be the type of seller that you're thinking about because of owners defaulting you might now be buying it from a bank that had to basically repossess it. Yeah, you might try to buy it from a lender at 60% of the loan amount. Well, a lender doesn't want to do a 40% write down, so they're going to try to get more and see. That's how this could practically look today for an apartment owner that survived the crisis and is still standing today. They're asking themselves, now, why would I sell at a discount if I don't have to? So they're probably going to try to hold on. And then, of course, the tenants in these apartments don't know that any of this is going on now. I own a lot of single family rental homes myself, also apartment buildings in the one to one and a half million dollar range is where I've played, and often that ends up being eight to 12 units, because in that space, I don't need partners to invest in assets of that size. One to $2 million is also small enough so that you're not competing with institutional money and other players. Today, I'll tell you what I did with some of those buildings myself when interest rates reset about four years ago, and before you and I wrap up the show today, I've got something to tell you about what's coming in future. GRE episodes here stuff that's really unexpected as the apartment King waits in the wings. One last thing to tell you about, like I mentioned to you recently, investors say that they want an opportunity, but what they really want is certainty. Once certainty arrives, the opportunity. Is gone.    Keith Weinhold  5:01   Our GRE live event last Thursday was a success. It is about how central Florida is the most compelling housing market right now, with the builder offering rate buy downs as low as 3.75% and, you know, I just ran the numbers on something, and I can hardly believe this. All right, right. Now owner occupied mortgage rates are near 6% this means investment property rates are almost 7% with the rate by down to 4% here's how your cash flow looks with a 30 year fixed rate mortgage on a 300k loan with a 7% rate, your p and i payment is 1996 at a 4% rate. It's just 1432, this is a reduction of $564 per month, a whopping payment difference. That's really the difference between treading water and stacking cash flow on these brand new build properties that we're talking about here in Central Florida. So talking about opportunity and certainty, that is a big measure of both. Yeah, before I ran the numbers, I didn't realize that the spread was this wide. With high demand for these properties, the builder does have some more available, a long term fixed rate of around 4% it should be up for you now you can see the limited time replay of GRE, freshest live event at grewebinars.com, in case you want to look into This again, grewebinars.com let's discuss the apartment market. Foreign apartment building values have fallen at 20% 30% even 40% over the past few years, depending on the market that they're in today, we're going to learn how bad it is, why it happened, and if that actually creates an opportunity here in the late 2020s, decade, our guest is known as the apartment king. He is the number one nationally known educator and mentor for apartment investing. He started with a bang in 2002 by making his first ever real estate investment, not a four Plex like I did, but a 32 unit apartment building, and he's now owned and invested in over 11,000 units and over 1 billion in assets under management. He's received awards like the naa independent owner of the year, and he's the star of the massively popular in person events that he puts on, which you'll learn about soon. Hey, it's been several years. Welcome back to the show. Brad sumrock,   Brad Sumrok  7:46   hey, Keith. It's really good to be on again. Nice to be here.   Keith Weinhold  7:50   Brad and I were together in person last month, and we also talked physical fitness. Then Brad is one of the fittest guys you'll ever meet in person. He just looks fantastic. We want to hear about your apartment forecast shortly. Brad, let's talk about the hard stuff. First, you've endured adversity since we last had you here several years ago. Tell us about that.   Brad Sumrok  8:14    Well, look, I mean, I think anyone that's been serious about investing in apartments over the last five years. And I'll also say it this way, anyone who did a deal and say 21 the middle of 21 till probably the end of 2022 it's very likely that that property is worth less today than than it was when we bought it. So that, in itself, has created, you know, adversity, because I got into the business in 2002 and the market went up until 2008 and we went through a downturn in 2008 nine and 10, as is, I'm sure you're aware. And then the market went up again until around 2021, mid year. And then, due to so many reasons, and I could go into those reasons, but let me just just cut to the chase. That you alluded to is we had another downturn, and so the downturn, you know, impacts property values, it impacts confidence, it impacts investor appetite to do deals. It impacts just about everything related to the business, on the investment side, and the other business that I'm in, which is the seminars, the events and the mentoring. So it's been a big downturn, and we could go into those, you know, into the reasons why, and I'm sure you'd like to know my take on that. But now is a great time, because things are recovering, and one of the things Tony Robbins teaches Keith is pattern recognition. It's like I've been through two downturns, and I could see the patterns, and it occurs to me that we're at or near the bottom of a cycle. So like it's also a good time to be gearing up.   Keith Weinhold  9:50   Now, many realize but for those uninitiated on this, the one to four unit space really didn't feel much pain starting in 2022 so much of that is time. Two people get long term fixed interest rate debt on the one to four unit property, but it's shorter term debt on five plus unit apartment buildings. So when interest rates went up, people soon had to pay those higher rates. They were underwater. That's really the genesis of so much of the apartment building pain.   Brad Sumrok  10:19   Well, and I would say, look, it was, I'm going to throw a bunch of things at you here. So we had the pandemic, right? And during the pandemic, people got paid to stay home from work, right? The government printed, what, $5 trillion worth of money, right? And so that kicked off what became a period of, like, very high inflation. And you know, the published number was 9% but I think a lot of people experience certain items that were a lot more than 9% like, for example, for sure, in 2022 when we bought a 286 unit property, you know, we were able to replace all the appliances inside of a unit in The kitchen, you know, for $1,800 and even today it's like $3,200 so that's a little bit more than 9% and so we had that. So we had the printing of money, we had inflation, we had variable rate debt. Why did people do variable rate debt? The first thing I'll say is there is a place for variable rate debt. But what happened in 2021 and 2022 is the fixed rate lenders, which are typically the government sponsored agencies Fannie and Freddie. They were still lending money, but because of their criteria for lending, if you would go with one of those loans, you would get like 50% leverage the shorter term lenders that would give you the three year loans, you can still get like 75 to 80% leverage. So the vast amount of people that were buying anything in 2021 and 2022 I mean, I'm not just talking about myself. I'm talking about people with 2030, 4050, 70,000 doors all over the country, they were buying with short term debt. And historically, short term debt performs at or better than long term debt. I mean, think about it, when you get a long term, 10 year fixed rate loan and multifamily you have prepayment penalties. You know, when the market's constantly going up like it did, from 2012 to 2022 you could get that fixed term loan. You could pay it off early, you could pay the seven figure prepayment penalty, and you could still make lots and lots of money, and that's what people were doing. So when you bake in the prepayment penalties on long term debt, you know short term debt is oftentimes the better option. Well, nobody saw the Fed raising rate 16 times in 12 months. And look, I don't care what anybody says, Nobody predicted it. If they had predicted it, they would be probably the richest person in the world right now, right nobody saw a comment like, there may have been some people that said, hey, yeah, this is going to happen, or this is going to happen. But what actually happened with the Fed rates over a very short period of time was unprecedented. Unprecedented means it never happened before. So it's not something you could anticipate or something anyone can model. Okay? And so what that did is most of us had what's called an interest rate cap, which is an insurance policy that if the rates go up too much, that yours is capped. But the problem with those rate caps is they're only good for like, two years, right? So we're buying these deals in 2021 and we're getting short term debt, which is a three year debt. And in two years, in 2023 the rate cap expires, and now the rates are 9% instead of 3% and when we bought the deal, the rate cap insurance was $40,000 and now it's a million dollars. And so you're in a very awkward, unfriendly financial situation. And it wasn't just that. So it wasn't just inflation, it wasn't just interest rates. And many of us sung belt markets, specifically Texas and Florida, which historically have been some of the best markets to invest in, because of migration and no taxes, and then landlord and business friendly environments. Well, these states also suffered a lot of named storms, with, you know, hurricanes and wind storms and hail storms and so in these markets, at the same time, we had rising rates. At the same time, we had massive inflation. Now we also have insurance rates doubling or even tripling in some occasions. And then the final thing was, during the pandemic, a lot of the multifamily projects that were in the middle of being built, these development projects, they all slowed down. People couldn't work. And so back in 2020, or after we're fully recovered from the pandemic, some of these markets, like Nashville and Austin and Dallas and Houston and Phoenix, they got deluged Keith with new supply coming on, like a disproportionate amount of new supply. So there's like five. Five things that contributed to multifamily being really tough in the last few years. And so it wasn't just people with short term debt that had challenges. It was probably just about anybody that bought a deal within an 18 month timeframe that I outlined before that just really experienced challenges, and some of those people are still in deals, right? And so let's just take a deal that's, you know, a $10 million deal with a $7 million loan. Well, that deal right now might be only worth 7 million, yeah, and that's the opportunity. So the owner that has that deal may get punched in the face, so to speak, you know, by the market, and they may lose their equity in that deal, but the borrower coming in, or the buyer coming in, like one of my mentees right now, had a deal that was listed at 11 million, and he's picking it up for seven, which is, like, at or below the current loan value. So one buyer group's loss is the new buyer group's opportunity, if that makes sense   Keith Weinhold  16:03    right? 100% there's nothing unusual at all about the mortgage rate levels that began to go higher about four years ago. The unusual part, and Brad has touched on it, is the rate of increase, with mortgage rates doubling or tripling in a short period of time, within about a year or so, but yeah, it's a great point. It's about more than the mortgage rates. It's about increasing insurance costs and increasing expenses of all types, like you talked about with the appliances there, and then, even if you were able to weather all that as an apartment building owner, with all of the supply coming on to the market, when supply exceeds demand, we know what happens to price, and we also know that you can't raise rents very much with all of this supply coming on the market, but the supply of new apartment buildings, that inflow, that wave, is beginning to die down, because builders got the memo quite a while ago that they need to stop building at such a fast pace in places like Florida and Texas and you know, Brad, there are a lot of asset classes that have been beaten up lately. We can always point to a few. You can look at Bitcoin or nfts or even commercial office space. Now those assets might bounce back, but they don't have to, because no human needs those things. But I expect apartments to bounce back because having a place to live is a primordial Maslow and human need. It's almost inevitable. In fact, shelter is at the base of Maslow's hierarchy of needs. So a bounce back has almost got to happen. Yeah.   Brad Sumrok  17:46   Look, it's becoming the big word right now in politics. Right is affordability. And so when you look at affordability, if you take a median priced home in this country of say, $400,000 I don't know if that's the actual median, but maybe it's around 400 420,000 100, $420,000 yes, to buy that home. And who's going to buy a $420,000 home? It's going to be a working class family making 60 to 70,000 a year, right? They could rent a median priced apartment unit for $1,800 a month, or they could pay a 20% or a 10% down payment on a $400,000 homes, and they need 40 to 80,000 down right, or maybe less, but they still need a down payment and that p i, t i, the principal, interest, tax and insurance is going to be around $3,100 okay, so there's a $1,300 per month gap, and that's a big, big gap for that working class family. And so where are they going to live? Like we're becoming more and more of a renter nation? Keith, and the statistics that I read say that only 27% of American families can even qualify to get a mortgage, yeah, on a $400,000 home. So we're becoming more and more and more of a nation of renters by necessity. And so the demographics like look, all markets are not equal. You got to know what's going on in your market. But there are markets, ie locations, geographies that have even a higher affordability gap. You know, some markets have a 2000 a month or a $2,500 a month affordability gap. So you're going to find more and more people renting in these markets.   Keith Weinhold  19:37   Yes, there is a premium to ownership opening up that gap, and that's why we have this wave of renters that's really already begun. In about the last year, the American homeownership rate has fallen from 66% to 65% 1% doesn't sound like much, but that already means that we have 1.3 million new renters. We're going to talk to Brad some more, including about. His apartment market forecast you're listening to get rich education. Our guest is apartment King. Brad sumrock, more when we come back, I'm your host. Keith Weinhold,    Keith Weinhold  20:09   flock homes helps you retire from real estate and landlording, whether it's one problem property or your whole portfolio through a 721 exchange, deferring your capital gains tax and depreciation recapture. It's a strategy long used by the ultra wealthy. Now Mom and Pop landlords can 721, the residential real estate request your initial valuation, see if your properties qualify@flockhomes.com slash GRE. That's f, l, O, C, K, homes.com/gre,   Keith Weinhold  20:45   you know, most people think they're playing it safe with their liquid money, but they're actually losing savings accounts and bonds don't keep up when true inflation eats six or 7% of your wealth. Every single year, I invest my liquidity with FFI freedom family investments in their flagship program. Why? Fixed 10 to 12% returns have been predictable and paid quarterly. There's real world security backed by needs based real estate like affordable housing, Senior Living and health care. Ask about the freedom flagship program when you speak to a freedom coach there, and that's just one part of their family of products. They've got workshops, webinars and seminars designed to educate you before you invest. Start with as little as 25k and finally, get your money working as hard as you do. Get started at Freedom family investments.com/gre, or send a text. Now it's 1-937-795-8989, yep. Text their freedom. Coach, directly. Again. 1-937-795-8989,   Hal Elrod  21:58   this is Hal Elrod, author of The Miracle Morning, and listen to get rich education with Keith Weinhold, and don't quit your Daydream.   Keith Weinhold  22:13   Welcome back to get rich Education. I'm your host, Keith Weinhold. We're talking about a sector we have not talked about very much lately because it's been in rather moribund condition, but we are beginning to turn the corner where there are more opportunities in apartment building investing, because it's been beaten down an awful lot. And Brad, that plays right in to your apartment forecast. So tell us about some of the highlights of your apartment forecast.   Brad Sumrok  22:38   Yeah, sure. And one of the things that I want to share with you, Keith, is that, you know, back in the peak of the market, the market peaked, say, at the end of 21 early 22 there were so many investors that were in multifamily or that wanted to be in multifamily. And the other thing that caused this so called, you know, downturn that I didn't mention before is, let's take this $10 million deal. If a property was listed at $10 million you'd literally have 30 to 40 buyer groups pursuing that deal, bidding up the price. Yeah. And so a $10 million Listing would sell for 11 and a half million Okay, now what I'm seeing is that same $10 million deal might sell for a seven to 8 million and you might be the only buyer going after the deal. Wow. And how do I know? Because you said, like, I run a an investor community and and I have active multifamily buyers, and I coach them, and I look at their deals, and this is what's happening. And the other reason I know is I sold two of my deals personally in 2025 and both of the deals that I sold, I bought in 2015 where we had 10 year fixed rate debt. So we didn't sell because we had a three year loan. We needed to sell because we had a 10 year loan due. And look, first thing I'll say is I made money, because over that 10 year period, values did go up. They peaked in 2022 and they came back down that because I bought it so long ago. That's the one lesson that I think people also want to understand, is over the long term, the values always tend to go up, but there are short term ups and downs that one would need to be aware of. But when I sold these two deals like I didn't have many buyers one deal in particular. I mean, I had eight buyers going after the deal, but only one was anywhere close to what I wanted. So I was negotiating with myself, you know, telling the buyer and his broker, hey, you know the other guys are here, and you got to come up on price and you got to come up on terms. But truthfully, I was bluffing, because I didn't have anybody that was coming up on price or coming up on terms. And so part of why I'm answering this way is when you look at the forecast, one thing that that I want people to know is that those. Of us that are in the business now and that have our pencils up, and we're underwriting deals, and we're making offers, like I used to teach Keith, don't make lowball offers, because you'll develop a reputation of being that guy or that borrower or that buyer that submits lowball offers, right? And word will get around in that market? Well, right now, like low ball offers are expected, and I would encourage people, let's just say you make an offer that whatever the deal pencils out to. So if you know how to underwrite deals correctly, and they're offering 10 million as a listing price, and you're coming up at seven or 7.5 don't be bashful to make the offer, and you may be the only buyer in the game. So that's one thing is like the competition that I'm seeing right now on the buyer side is not a lot of competition, and that's definitely shifted to a buyer's market. So people need to know that. The other thing I would say, on the macro level, is there's still a lot of uncertainty out there, and the uncertainty is kind of becoming like what I would call a new normal. You know? I'll speak for myself. When Trump was elected and at the end of 2024 I thought it was going to be amazingly well for all of us real estate investors, right? And there are some things that have been like the big, beautiful bill that restores 100% bonus depreciation like this is a really good thing, but you know, the tariffs, the immigration policies, some of the things that he's doing, you know, they have mixed impact for us and our in the economy and in real estate and in multifamily. And the thing is, when he first started doing that again, like lenders, they didn't know how to price debt, like, what's going to happen with tariffs, what's going to happen with ice what's going to happen with immigration, you know? But now that we're a year in to his second term, I can tell you a couple things. Debt is back. Lenders are lending. They're confident. Lenders are issuing debt like you can get 70 to 75% of your acquisition funded by a commercial lender. The government agencies are lending. Freddie Mac is lending. Fannie Mae is lending, and they have a mandate to lend 20% more money in 2026 than they did in 2025 so that bodes well for people that want to get, you know, affordable workforce housing, which is my specialty, also known as Class B and Class C housing. So the lenders are lending like, there's a lot of debt out there. One of the challenges is the equity. There's a lot of institutional equity. But if you're going to the retail investor who got into the business three to five years ago. They don't want to hear about your next deal right now, they're wondering about, hey, what about the deals that I'm in? Right? So one of the things that I'm doing, Keith is, and I think, you know, this is like, you know, I build up a huge investor community from 2012 to 2022 and I did it by traveling the country, speaking at conferences, sponsoring trade shows, talking about the benefits of investing in apartment buildings, how it changed my life, how it enabled me to retire from a six figure income in just three years, and how I've helped many, many other people Do the same, and also just sharing experience today, every asset class, every 10 to 15 years is going to go through a correction. And so where we're at now. And I wasn't the only one on the forecast. I brought in John Chang who is the senior intelligence officer at Marcus and millichep, one of the biggest commercial real estate firms in the country, and he presented about 20 or 30 slides that by and large were very bullish on where we're at in the market cycle. Why now is a great time to be looking at apartment buildings, a lot of the same things that I've been talking about. Prices are down. It's a buyer's market. We have a huge affordability issue. More and more people are becoming renters, and so what I'm committed to do, Keith and I don't know if I shared with you my travel schedule, like when we met each other last month, but I'm on the road every single week going to another city, talking about where I see us right now in the market, and why people should be looking at deals and making offers right now. Because to me, you know, Warren Buffett said it best. He's like, you want to be fearful when everybody else is being greedy, and you want to be greedy when everybody's being fearful. And right now, people are on the sidelines. They're waiting for some green light, like for the Wall Street Journal to come out and say, Hey, now's a good time, you know? I mean, look, Trump, just the point of the new Fed chair, right? And so we know interest rates are going to go down like that's one of his goals, and the guy that he appointed is going to lower rates. So we're looking at a future, a very near future, where we have lower rates, and lower rates is going to create more demand, again, for people that want to buy. I invest in apartments now, look, if you wait another year, I still think it's going to be a good time, but I think we have a better time right now.   Keith Weinhold  30:10   I sold one apartment building in 2022 for about $1 million and I sold another one of my apartment buildings in 2023 for about $1 million I had bought those in 2013 with 10 year balloon loans, so I was enjoying that nice fixed rate as late and as long as I could, until 2022, nine years and 2023, 10 years before the rate went up on me. But of course, my new buyer had to pay that rate, so it limited the amount that they could offer for it. However, to your point about investing for a long time horizon, I still had profits on those nine and 10 year holds, but yeah, to your point, Brad about the looser lending, this is huge. I read a summary of the latest national Multifamily Housing Council meeting, and one of the biggest takeaways that came out of that meeting is that there is abundant debt available. It's in increasingly attractive terms. And a lot of people think about mortgages, and they just think about the rates, and you should that's certainly important, but they don't think as much about the propensity for others to lend. How loose, or how tight are those standards? They're loose, yeah.   Brad Sumrok  31:25   And, I mean, look, the first deal I did in 2002 the interest rate was 6.35% the rates right now are less than that, you know, as of the date of this recording. So, you know, I always talk about a base case of a $10 million deal. It may seem large to you or to people listening, but like in my world of syndication, where we're not just looking at the real estate piece, but learning how to raise money to buy real estate so we could have a bigger property that's professionally managed and become a true business owner like Robert Kiyosaki talks about, do you want to be self employed? I tell my students, buy a six Plex. Do you want to own an apartment business by 60 units and hire a management company? So when I'm talking about this $10 million deal, you know, you can get a $7 million loan right now for probably in the mid 5% and it would be non recourse, and you could probably get three years of interest only, meaning for the first three years, you're going to have a higher cash flow. So like, this is a really good loan compared to 2021 when we could get 3% debt. It's not but remember that 3% loan was a short term loan. You know, it wasn't a 10 year fixed rate loan, it was a short term loan, and we all saw what happened with that when they raised rates so many times in such a short period. So the fixed rate debt is very competitive based on, like, the long term, 20 year average, and it's lower than it was when I started.   Keith Weinhold  32:55   Well, we've been talking about elements of your apartment market forecast, and of course, that's going to inform your Buy Box. Brad, you mentor students constantly and oftentimes we think about a Buy Box. We think about then in terms of geographic market, but as we look for an opportunity, we also might think about some other things in your Buy Box, for example, new build versus vintage build. So with all of this traveling you do, and you're in the markets, and you're informing students, and you're looking at students prospective deals as well. But tell us more about what a good buy box is for the near term in apartment buildings.   Brad Sumrok  33:36   Yeah. So look like what is in the buy box, right? So one is going to be your location. And so, you know, how do I select a good location? Just some tips and strategies around that is, I look for landlord and business friendly environments. In other words, if the tenant doesn't pay, do they get to stay or not, you know, so I like to be in market so that they don't pay, that we could legally, you know, not have them consume our product for a long period of time. So I also look at things like job growth and population growth, affordability gap. New supply is a percentage of inventory, you know, the new supply coming online in a diversified economy. So, like, you want to get your geographies nailed down. Like, where you buy matters, like, there's no substitute to I would rather pay more for a property in a location that meets that criteria than less for a property that doesn't. Yeah. So geography is important. You want to pick your property size, like, how many units, or what's the price point. Okay? And this is huge, because if you're gonna buy your own deal with your own money, which is another reason I prefer syndication. Let's say you have pick a number, 100,000 to invest. Like you can only buy a $300,000 property, two units somewhere, three units somewhere, you know. Or zero units somewhere, right, right? So if you have expanded your you know, your mind and your skill set to do a syndication 100,000 doesn't limit you to your own money, you know. And then I would say, Well, what is a great size for a first time syndicator is I would target somewhere around 60 to 80 units, and at 100,000 a unit, which is a ballpark price for maybe a nice B class property or high C Class property, and a market that meets the criteria that I outlined earlier. You know, you're looking at, say, a six to $8 million property. And so what you could do from there, Keith is, you could say, Okay, well, you know, this is why, like in my educational course, I use a $10 million property, because the numbers are easy. But even just say, Well, I'm going to do an $8 million property, you'd say, Okay, I need two to 3 million down, depending on the debt, right? And then I'm going to get a the balance in a loan, you know, because you could get a 70 to 75% loan. So then you ask, Well, where am I going to get to 2 million, right? If I have 100 I need $1.9 million and so then you got to start thinking about like, do I have access to people or work or in the neighborhood or at the community or at the church, you know, or do I go to masterminds and conferences and meetup groups like, where I saw you Keith last month, like, there's a lot of investors there with a lot of money, right? And some of them are looking to be passive investors. And so, you know, there's a whole nother conversation around, you know, raising capital. And if you can't raise capital, then you may want to bring in some people on your GP team that could help you raise capital, as long as you're following, like the SEC compliance and again, that's another discussion. That's the importance of having the buy box so you have your geography, your property size, your property class. You know, again, if you just want the new construction stuff. There's some people out there, like big name, famous people, that are highlighting their 800 unit a class deals that they're buying. And of course, like you or I that are just getting started, can't go buy that deal. And so why? You know the institutions are going after the large A class properties in the best areas. And so where I've made my niche Keith, and what I would recommend most people start is start with the older vintage properties, start with the 1970s properties, and then maybe work your way up to the 1980s and 1990s properties. And why is this is because the institutions don't want those properties, and they're still able to be professionally managed. Like, if you go and buy 100 unit C Class property, as long as it's not in a bad neighborhood with, like, high crime or whatever like that. Like, these are very honest, hard working, working class people that need a clean, safe and functional place to live, and you'll be able to get better returns on a C or A B class, also known as like the cap rate. And again, that's another discussion, but you'll be able to get a better return on an older vintage property than you would on a vintage property. And you're not competing with the institutions, but you're also not competing with the mom and pops, because the mom and pops are going to take that 100,000 they have and go buy a duplex. You know, they're not going to want to syndicate a deal. They're not going to want to have partners. They're not going to want to deal with the so called complexities of buying a company. And that's what buying an apartment community is, Keith, it's buying a company. You're buying a business that has an income stream already being generated those customers, they're called residents. They're called tenants, you know, but if you just go upstream from buying real estate or buying an apartment building, we're buying a cash flow producing business that's existing, that's in place, and then our job is to figure out how to run it better and more efficiently. You the   Keith Weinhold  39:04   You the listener, you might have access to, say, 500k in equity that's sitting in your existing properties. And some of these numbers that Brad and I are throwing around are rather large, $10 billion but one of the biggest epiphanies that I think your students have is that doesn't need to be much of your own money. We're talking about what's called the capital stack to take down a $10 million apartment building. Maybe you borrow seven and a half million of that. Maybe you raise 2 million of that from your other investors in the syndication, and then you put your 500k into the deal, and there you have $10 million in order to make that purchase. But yes, that does involve a learning curve and the SEC rules and all that. But the big takeaway here is you don't need much of your own money. You can leverage other people's money, even for the down payment. And Brad, you're also an expert at showing people how to pay almost. Zero tax, which is another discussion unto itself, but some of your students start with zero experience, and within a few short years, I mean, you've had hundreds of people that have either retired early or increased their net worth by over a million dollars. A lot of success stories,   Brad Sumrok  40:17   yeah, look, I mean, I started with no previous real estate investing experience. My experience was going to college, studying hard, getting decent grades, becoming an engineer, you know, being fired once, being laid off once, and reading Robert Kiyosaki books that motivated me to to go out and seek specialized education. And I think it was Jim Rohn that said formal education, like degree could get you a job, and specialized education like you can get in a conference or a mastermind or a mentorship program. And that's also how I started. I went to a weekend workshop back in 2001 and I bought the mentorship program. And boy, I'm glad I did, because, you know, that's how I got into my first 62 units. So you don't need to have experience. What you need to have is a powerful reason, a powerful why? Why do I want to be financially free? Like apartments is just a vehicle. I didn't choose apartments because I love departments. I choose departments because they cash flow, they go up in value, and you have amazing depreciation benefits.   Keith Weinhold  41:23   Yeah, I'm the same. I don't love apartments in a way. I don't love real estate. I love what these things do for me    Brad Sumrok  41:30   exactly. Yeah? So, like, you don't have to have experience. In the other category, of people that have come into my community that don't have apartment experience, a lot of them have real estate experience, Keith, that are doing, like, single family homes, short term rentals, or maybe smaller, multi unit deals. And they listen to a show like this, and they're like, huh, I want to transition from doing these smaller types of assets with my own money and self managing to scaling into a syndication.   Keith Weinhold  42:03   Brad has taken countless people from get rich education to got rich education. His core values are faith, finance, fitness, family and fulfillment. He is committed to helping people experience not just financial success, but personal fulfillment, purpose, contribution, freedom and Brad and his investor community have contributed over $1 million to charity. Is really the person you want to learn from if you want to think about going bigger with multifamily apartment buildings. This has been great, Brad. Let our audience know how they can connect with you and learn more?   Brad Sumrok  42:42   Yeah, sure. So I would say this is where I should just be very clear here, okay, but I'm gonna give a couple options, because that's what I'm so of course, there's a website which is my first and last name.com, B, R, A, D, S, U, M, R, O, k, for those of you on social media, I respond to my own social so you'll find me again. B, R, A, D, S, U, M, R, O, K, on LinkedIn, Instagram and Facebook.   Keith Weinhold  43:13   Brad, it's been so valuable. It seems like American apartment buildings are in for redemption story here. It's been great having you back on the show.   Keith Weinhold  43:29   Brad and I both emphasize physical fitness, and we chatted about that a good bit when we were together last month. I think he looks better than me. To summarize, the reasons for this historic collapse in apartment building values. It was the combination of soaring interest rates, massive inflation, spiking insurance costs, construction soared, and it created an oversupply, and that oversupply still is not absorbed. In fact, according to the outlet apartment list, the National multifamily vacancy rate recently hit 7.2% that's the highest in the history of the index, which dates back to 2017 and that's chiefly due to apartment oversupply. Have apartments really hit the bottom? Brad just said, we're at or near the bottom, and it's a good time to be gearing up as far as what's coming. To give you an idea of new apartment supply, what takes about two years from construction start to completion. And now you can't just have all US apartment construction come to a complete stop. You have to keep people working. And there are almost 400 MSAs in the United States, so you couldn't coordinate a complete ceasing of construction across every area. So how about the level of new construction starts in apartment units today, and the way that HUD counts it is the number of units started in buildings of five plus units the recent peak. Was about 600,000 annually in 2023 and today it's closer to 400,000 there it is that slowing pace of new apartment construction. If you jump into multifam, be careful of properties with deferred maintenance, because understand that you have a lot of underfunded owners Now Brad can tell you specifically what to look out for his rat race to retirement event is March 28 and 29th in Dallas. It's a two day hands on workshop. You'll learn how to find apartment deals, how to underwrite deals, how to raise capital management and your exit. Discover how you can retire in five years or less by owning apartments again. His website is Brad sumrock.com    Keith Weinhold  45:49   coming up on future episodes here on the get rich education podcast. We're about to go on a run. The next stretch of GRE is loaded. We've got fresh topics with some game changing monolog content that I'm going to share with you new guests, distinguished experts, we're going to break down an innovative way to sell properties that could completely change how you think about your exit strategy of the 50 US states. I'm going to discuss some awful states to invest in, including ones with population loss. On another episode, a distinguished subject matter expert and I are going to dive deep on does America really have a housing shortage, not in apartments which are oversupplied, but is there a shortage in the one to four unit space? That's our topic, because you probably heard contradictory information in the media about whether there's a shortage or not, and then some outlets say there's a housing shortage of 2 million units. Others, 10 million. They're all over the place. We're going to sort it out on an upcoming episode. Does America really have a housing shortage? Then the youngest guest to ever appear on the show will be with us. He's a 19 year old college student that has a real estate investing related major, and since last year, he and I have befriended each other. He was born in about 2006 so it'll be interesting to see how he views the investing world and what they teach him about real estate investing in college today, he is probably the most impressive teenager that I've ever met in my life. Then six weeks from now, we will have an epic get rich education podcast episode 600 on a subject as paradoxical and complete with a GRE contrarianism That builds real wealth, debt is the American dream will be episode 600 if you're serious about building wealth, be sure to follow or subscribe to the show. We are going on a run. If you know someone in your life who needs to think differently. If you know one investor who's still waiting for perfect conditions. This will help them tap the Share button and tell them about the show until next week. I'm your host. Keith Weinhold, don't quit your daydream.   Unknown Speaker  48:14   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  48:42   The preceding program was brought to you by your home for wealth, building, get richeducation.com  

Understanding the Human Side of Financial Decisions Join Certified Financial Fiduciaries™ Zach Keister and Christina Lamb for an eye-opening episode of Dollars & Sense that dives deep into the psychology of money. This isn't about spreadsheets—it's about the emotions, habits, and mindsets that shape your financial life. Discover why even smart people make puzzling money choices, and learn how your upbringing, mental wiring, and social comparisons influence your financial behaviors. From procrastinating on taxes to feeling envy or guilt when scrolling social media, Zach and Christina break down common cognitive biases—like loss aversion and present bias—and offer relatable stories (including a Monopoly experiment!) to show how these play out in real life. Get practical with 5 actionable tools to rewire your financial habits: Automate your savings and bills for less stress Create simple money rituals to reduce avoidance Reframe your money story for a healthier mindset Add friction to overspending and remove it from positive habits Seek accountability and professional support when needed Walk away with strategies to break the anxiety–avoidance loop, resist emotional overspending, and counteract the pressure of social comparison. Whether you're just starting out or looking to strengthen your financial foundation, this episode will help you see your money life as a relationship you can nurture and improve—no shame, just progress.

Audio surf report and surf forecast on February 23 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 ...

​Larry Jones is the Executive Director of the IP Network, and CEO of HPOF Holdings, LLC, doing business as Independent Healthcare Partners, a healthcare company headquartered in Maitland, Florida. As the CEO of HPOF Holdings/IHP, his main mission is to preserve and protect the independent practice of medicine. Larry has been on both the payer and provider side of healthcare. He served on the Business Advisory Board of Seminole County Public Schools for 12 years, representing the insurance committee and 9000 employees' lives and almost $60M in premium. He is a founding board member of the Florida Association of ACOs. His organization currently runs our large Multi Specialty IPA - the IP Network - and Physicians Trust MSO, overseeing two Commercial ACO contracts and four Medicare Advantage Plan agreements for our Network.Larry has spoken all over the Country on physician issues and opportunities.​He is a true physician advocate. Mark Steven Chaet, M.D. serves as the Orlando Regional Campus Dean. In this role, he oversees all campus functions including supervising clerkship directors, student education and performance, and student counseling. The regional campus dean's role at the FSU College of Medicine is unique as he plays an expanded role with students, including direct contact, comprehensive mentoring, and one-on-one interaction when needed. Additionally, fundraising is an increasingly important role of the campus dean in efforts to fund local operations and scholarships for students. Dr. Chaet, a pediatric surgeon on staff at both Orlando Health Arnold Palmer Hospital for Children and Advent Health Children’s Hospital, has been practicing in the Orlando area since 1997. Serving as an FSU Orlando community faculty member since 2003, Dr. Chaet has shown a commitment to education throughout his career. He has served on the teaching faculty for general surgery residents at both Orlando Health and Advent Health, been a preceptor for physician assistant and nurse practitioner candidates from Nova Southeastern University, the University of South Florida, and the University of South Alabama, and continues to serve as faculty for the Surgical Intern Program at the University of Central Florida. Dr. Chaet has shown great community involvement over the years, both on a local and national level, serving on various committees in the Orlando area and working as consultant for opioid reduction. As a Lt. Colonel in the United States Army and Reserve from 1991-2007, Dr. Chaet trained as a field trauma surgeon and supported medical deployments during both Operation Desert Storm and Operation Enduring Freedom. Dr. Chaet has been involved in a number of research efforts over the years focusing on pediatric surgery and gastroenterology and continues to display a commitment to leadership and ongoing professional development.See omnystudio.com/listener for privacy information.

​Larry Jones is the Executive Director of the IP Network, and CEO of HPOF Holdings, LLC, doing business as Independent Healthcare Partners, a healthcare company headquartered in Maitland, Florida. As the CEO of HPOF Holdings/IHP, his main mission is to preserve and protect the independent practice of medicine. Larry has been on both the payer and provider side of healthcare. He served on the Business Advisory Board of Seminole County Public Schools for 12 years, representing the insurance committee and 9000 employees' lives and almost $60M in premium. He is a founding board member of the Florida Association of ACOs. His organization currently runs our large Multi Specialty IPA - the IP Network - and Physicians Trust MSO, overseeing two Commercial ACO contracts and four Medicare Advantage Plan agreements for our Network.Larry has spoken all over the Country on physician issues and opportunities.​He is a true physician advocate. Mark Steven Chaet, M.D. serves as the Orlando Regional Campus Dean. In this role, he oversees all campus functions including supervising clerkship directors, student education and performance, and student counseling. The regional campus dean's role at the FSU College of Medicine is unique as he plays an expanded role with students, including direct contact, comprehensive mentoring, and one-on-one interaction when needed. Additionally, fundraising is an increasingly important role of the campus dean in efforts to fund local operations and scholarships for students. Dr. Chaet, a pediatric surgeon on staff at both Orlando Health Arnold Palmer Hospital for Children and Advent Health Children’s Hospital, has been practicing in the Orlando area since 1997. Serving as an FSU Orlando community faculty member since 2003, Dr. Chaet has shown a commitment to education throughout his career. He has served on the teaching faculty for general surgery residents at both Orlando Health and Advent Health, been a preceptor for physician assistant and nurse practitioner candidates from Nova Southeastern University, the University of South Florida, and the University of South Alabama, and continues to serve as faculty for the Surgical Intern Program at the University of Central Florida. Dr. Chaet has shown great community involvement over the years, both on a local and national level, serving on various committees in the Orlando area and working as consultant for opioid reduction. As a Lt. Colonel in the United States Army and Reserve from 1991-2007, Dr. Chaet trained as a field trauma surgeon and supported medical deployments during both Operation Desert Storm and Operation Enduring Freedom. Dr. Chaet has been involved in a number of research efforts over the years focusing on pediatric surgery and gastroenterology and continues to display a commitment to leadership and ongoing professional development. See omnystudio.com/listener for privacy information.

What if the freedom you want starts with owning what you've been hiding? In "Own The Mess," Pastor James walks through 1 John 1:9 and the invitation to stop pretending, stop hiding, and start confessing. There is a real battle within you. You feel it. The tension between what you want and what you know is right. But freedom does not come from managing the mess. It comes from bringing it into the light. Jesus does not run from your mess. He meets you in it. When you confess instead of conceal, you step into the freedom He already paid for. 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 If you're in the Daytona Beach area and want to learn more about our upcoming launch, go to https://journeyconnect.org/daytona 

Send a textIn this episode of the Right Hand Drive Guys Podcast, we sit down with Juan Chavez from Central Florida — a dedicated Skyline owner whose R33 GT-R is the definition of precision and patience.Juan is known for his next-level attention to detail, carefully curating and sourcing some of the rarest parts available for the R33 platform. This isn't a rushed build or a trend-driven project — it's a long-term vision brought to life through research, relationships, and relentless standards.We talk about what drives him to chase authenticity, how he tracks down hard-to-find components, and why details most people overlook are the ones that matter most. It's a conversation about doing things the right way — even when it takes longer and costs more.

Prof Duncan Hardy is one of the leading experts in the history of the Holy Roman Empire and one of his main topics is the Imperial reform of 1495, making him the ideal guest for our show.In his first book, Associative Political Culture in the Holy Roman Empire he tries to define what the Holy Roman Empire was a question we will almost certainly spend quite some time discussing today.His forthcoming book, which he had so kindly sent me an advance copy, should be familiar to you all, since I do use it as a source for the show. It is titled Law, Society and Political Culture in Late Medieval and Reformation Germany and contains a large number of edited and translated primary sources illustrating German history circa 1350 to 1550.As a special treat, listeners to the Hstory of the Germans can order the book at Manchester University press with a 30% discount. The discount code is mentioned at the end of teh interview, so listen out. You can order ithere:Manchester University Press - Law, society and political culture in late medieval and Reformation GermanyDuncan has a PHD from Oxford University, fellowships from Cambridge, Erfurt and Bielefeld and currently teaches at the University of Central Florida.And he is a fellow listener of the show. So this will be the time where all my mistakes and random speculations will be dragged into the glare of academic scrutiny.The music for the show is Flute Sonata in E-flat major, H.545 by Carl Phillip Emmanuel Bach (or some claim it as BWV 1031 Johann Sebastian Bach) performed and arranged by Michel Rondeau under Common Creative Licence 3.0.As always:Homepage with maps, photos, transcripts and blog: www.historyofthegermans.comIf you wish to support the show go to: Support • History of the Germans PodcastFacebook: @HOTGPod Threads: @history_of_the_germans_podcastBluesky: @hotgpod.bsky.socialInstagram: history_of_the_germansTwitter: @germanshistoryTo make it easier for you to share the podcast, I have created separate playlists for some of the seasons that are set up as individual podcasts. they have the exact same episodes as in the History of the Germans, but they may be a helpful device for those who want to concentrate on only one season. So far I have:The OttoniansSalian Emperors and Investiture ControversyFredrick Barbarossa and Early HohenstaufenFrederick II Stupor Mundi

As The Simpsons hits its 800th episode, Jim Hill takes a moment to appreciate how this once-scrappy Fox upstart became an animation institution that may never actually end. From the long-lost series finale concept where Homer and Krusty were secretly the same person to the show's upcoming theatrical sequel and Disney's long-term park plans, this week's Fine Tooning looks at how Springfield keeps evolving. Plus, box office updates, Avatar sequel math, Matt Braly's next move after Sony, and a wild Steven Spielberg phone call that changed animation history. NEWS • The Simpsons celebrates its 800th episode with “Irrational Treasure,” the 14th episode of Season 37, as the series eyes renewal through Season 40 and a second theatrical film set for September 3, 2027. • Disney+ viewers can compare Season 1's “Santa's Little Helper” to the new milestone episode to see just how dramatically the show's animation quality has evolved since 1989. • Sony Pictures Animation's Goat opens strong over Presidents Day weekend, reportedly close behind Warner Bros.' Wuthering Heights, with final box office numbers still shifting. • Zootopia 2 crosses $1.83 billion worldwide, becoming the ninth highest-grossing film of all time, though its upcoming March 3 home video release may slow its push toward $2 billion. • Avatar: Fire & Ash reaches $1.46 billion globally, profitable but well below the franchise's prior installments, raising questions about costs and expectations for Avatar 4 and 5. • Matt Braly and Rebecca Sugar's previously in-development Sony feature is shelved, but Braly launches a Kickstarter on March 13 for his indie gothic horror pilot Clara and the Below. • The RiffTrax team raises nearly $1.9 million on Kickstarter for The RiffTrax Experiments, offering a hopeful blueprint for creator-driven animation crowdfunding. FEATURE • The behind-the-scenes story of how Judy Freudberg and Tony Geiss were hired by Steven Spielberg to write The Land Before Time, following his surprise discovery of Sesame Street Presents: Follow That Bird. • Spielberg's now-legendary phone call to Freudberg, initially mistaken for a prank, ultimately led to a creative partnership that bridged Sesame Street and major animated feature filmmaking. HOSTS • Jim Hill - IG: @JimHillMedia | X: @JimHillMedia | Website: JimHillMedia.com • Drew Taylor - IG: @drewtailored | X: @DrewTailored | Website: drewtaylor.work FOLLOW • Facebook: JimHillMediaNews • Instagram: JimHillMedia • TikTok: JimHillMedia SUPPORT Support the show and access bonus episodes and additional content at Patreon.com/JimHillMedia. PRODUCTION CREDITS Edited by Dave Grey Produced by Eric Hersey - Strong Minded Agency SPONSOR This episode is sponsored by Unlocked Magic. Get real discounts on Walt Disney World and Universal Orlando tickets, sometimes up to 12% off. Unlocked Magic is run by the team behind DVC Rental Store and DVC Resale Market, making it easy to plan your 2026 Central Florida trip and save big. Grab your tickets today at UnlockedMagic.com and be sure to tell them Drew and Jim sent you. If you would like to sponsor a show on the Jim Hill Media Podcast Network, reach out today. Learn more about your ad choices. Visit megaphone.fm/adchoices

Register here to attend the live virtual event "Why Central Florida is the Year's Most Compelling Housing Market" on Thursday, February 19th at 8pm Eastern. Keith explores how a shift in mindset can change the way you build wealth, why so many new landlords are entering the market, and what recent economic trends could mean for future rents.  You'll also hear how one Florida investor is navigating a changing housing landscape, and learn about a timely opportunity in one of the country's fastest‑growing real estate markets—all without needing to be a hands-on landlord. Resources: Register for the event at GREwebinars.com Episode Page: GetRichEducation.com/593 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  For predictable 10-12% quarterly returns, visit FreedomFamilyInvestments.com/GRE or text  1-937-795-8989 to speak with a freedom coach Will you please leave a review for the show? I'd be grateful. Search "how to leave an Apple Podcasts review"  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— GREletter.com  Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Keith Weinhold  0:01   Welcome to GRE. I'm your host. Keith Weinhold, the risk of delayed gratification is denied gratification. There's a new wave of landlords. Wages are rising faster than both inflation and home prices. Learn what that's going to mean for rents. Hear the voices of five different Federal Reserve chairs, then GRE announces our biggest event of the year, and you're invited today on get rich education.   Corey Coates  0:32   Since 2014 the powerful get rich education podcast has created more passive income for people than nearly any other show in the world. This show teaches you how to earn strong returns from passive real estate investing in the best markets without losing your time being a flipper or landlord. Show Host Keith Weinhold writes for both Forbes and Rich Dad advisors and delivers a new show every week since 2014 there's been millions of listener downloads of 188 world nations. He has a list show guests include top selling personal finance author Robert Kiyosaki, get rich education can be heard on every podcast platform, plus it has its own dedicated Apple and Android listener phone apps build wealth on the go with the get rich education podcast. Sign up now for the get rich education podcast or visit get rich education.com   Keith Weinhold  1:16   mid south home buyers, with over two decades is the nation's highest rated turnkey provider, their empathetic property managers use your return on investment as their North Star. It's no wonder smart investors line up to get their completely renovated income properties like it's the newest iPhone headquartered in Memphis, with their globally attractive cash flows, mid south has an A plus rating with the Better Business Bureau and 4000 houses renovated, there is zero markup on maintenance. Let that sink in, and they average a 98.9% occupancy rate with an industry leading three and a half year average renter term. Every home they offer you will have brand new components, a bumper to bumper, one year warranty, new 30 year roofs. And wait for it, a high quality renter in an astounding price range, 100 to 150k GET TO KNOW mid south enjoy cash flow from day one at mid southhomebuyers.com that's mid southhomebuyers.com   Corey Coates  2:19   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  2:35   Welcome to GRE from the Adriatic Sea to the Atlantic Ocean and across 188 nations worldwide, I'm Keith Weinhold, and this is get rich education. Sometimes we all need a mindset reset, and this can include me. Sometimes. James clear, the author of atomic habits, says there are four types of wealth, financial wealth, which is money, social wealth, which is status, time, wealth which is freedom, and physical wealth, which is health. Be wary of jobs that seduce you with one and two but rob you of three and four. That is to say, be careful with jobs that seduce you with financial and social wealth but rob you of time and physical wealth that is definitely going to happen to you during your life, especially early in your working career. But many people, even most people, they don't do much about this. They just go on and on, selling their soul to their employer for decades. Sometimes paychecks aren't compensation. They're a bribe from an employer to give up your dreams early in your career, delayed gratification actually makes some sense, because you need capital formation, you need down payments, you need dry powder. That is totally fair and the time in your life for delayed gratification. But there's a point that most people miss, the point where delayed gratification quietly mutates into denied gratification. This is huge. Most people miss this inflection point. When is this point in your life? That's when I'll do it later becomes, well, I guess I never did it at all. They look up at what they've got at age 65 and realize that they have a respectable title. They still wear Dockers pants. They have a 401, K that they must start paying tax on, and knees that creak louder than. The front door. Compound Interest hardly outpaces taxes and inflation. That's just going to keep you in one spot, you know, and you're never going to get that time back. There is no do over there. So you need to get to the point where you can be more frugal with your time than your money. Younger people have a harder time adopting this mindset, and that's a little natural, because they have more time and less money. Sooner than later, you must desperately get financially free so that you can simply be your self workaholics, optimize income instead of assets, and you can't let that happen, because labor does not compound and capital does compound, your quality of life will exceed your cost of living when your life is funded by what you own, not by what you do that takes a different mindset. You can either be a conformer or you can build wealth when you invest in real estate that pays five ways. It's like what you're doing is buying future Tuesdays, where you never have to work again and then later, add on future Wednesdays, where you never have to work again because you got the compound leverage instead of the impotent compound interest. I mean, just consider your two and a half million dollar portfolio that is passively doing the same work as someone who sells 40 to 50 hours a week of their life away for 100k in yearly salary. All right, maybe you're thinking, Oh, that all sounds thought provoking, but if you're not engaged on that, it can sound airy and philosophical and even risky. It's sort of like, yeah, you're cueing the acoustic guitar music and slow motion images of someone pensively gazing at a sunset.   Keith Weinhold  7:12   All right, what is the concrete plan? It's not all about mindset. It only starts with mindset. You got to make that actionable. Well, we constantly provide concrete plans for you here on this show, and I've got another concrete plan for you toward the end of the show today. This harkens back to what I discussed with you seven weeks ago, seven episodes ago on the show. That's when I discussed the world's first billionaire, John D Rockefeller and his enduring quote from about 100 years ago, he who works all day has no time to make money. Yeah, that's the quote a little review. What you learned seven episodes ago is that Rockefeller meant, if you spend your life doing tasks, you're never going to rise high enough to own things that pay you for life. The bottom line here is that earning a living is a distinctly different activity than building wealth. That's what we're talking about here.    Keith Weinhold  8:14   Well, there is a new wave of landlords entering the market, and they are reshaping what owning rentals looks like. One survey by rental platform avail of nearly 2000 users. It's really influential. It found that 53% of landlords became landlords in the last five years. So you have a lot of new landlords with the most 17% of landlords entering the market in just the last year, most purchased a property specifically to rent it out, and 1/3 sort of backed into this business by renting out their former residence. Of course, some people want to rent out their former residence today, if they got locked into that sexy owner occupied three and 4% financing from 2022 and earlier, the survey went on to tell us with some really good takeaways here, 72% of landlords manage between one and four units, and this avail survey. I mean, it's just another one that shows that the majority of landlords operate small portfolios, classic mom and pop investors. That one's not too surprising. The top three reasons that landlords gave for entering the rental market, they're pretty interesting. The number one reason for getting into this at 41% of respondents is building long term wealth. Next 33% for generating passive income, and the third most popular one, it's a distant third, it is preparing for retirement at 13% so building long term wealth is the number one reason for getting into this, and that is the right reason. Them when it comes to ownership structure, 64% said that they own the property individually, whether that's through a single member LLC or in their own name, doing it, yeah, individually, rather than with a family member or a business partner. So really, the summary of this terrific, recent avail landlord survey is that if you're just getting started, you're not alone. A lot of people are most own properties solely in their own name, and the number one reason for doing it is to build long term wealth. Now there's another pervasive set of economic trends out there in the broader economy, but it's really a benefit for real estate investors, and that is the fact that wage growth has now outpaced consumer price growth for three years. Yeah, another way to say that is that wage growth has outpaced inflation for fully three years. Yeah, most people just aren't feeling it yet. So you might be taken somewhat aback by that, and why aren't people feeling that wage growth is faster than inflation, the pandemic inflation spike that was so huge, it was like getting hit with a freight train, and then someone tells you, good news, the train has stopped. Yeah, that's nice. You are still lying on the tracks, rubbing your ribs. That's because we're all still absorbing spiked prices for everything from a lumber two by four to a York Peppermint Patty, year over year, wages are up 3.8% and consumer inflation is 3% All right, so wages above inflation, that means things are getting a little more affordable, but both wages and inflation have grown faster than home prices, which have only grown about one and a half percent, and this is all per the BLS in the FHFA, so wage growth Being more than double home price growth. Well, that trend really makes properties more affordable, but historically, they're still not that affordable. Everybody knows that home prices soared until about 2023 that was the turning point, and now wages are in their catch up phase. All right, but what really matters to real estate investors is, when will this wage growth translate to rent growth, historically, big rent growth that lags big home price growth by about two to four years. So you have the big home price growth, big rent growth hits two to four years later, historically. Now, if that holds true, we should finally see substantial rent growth this year or next year. Rent growth has still been pretty soft in the one to four unit space, and even there are rent decreases in the overbuilt apartment space. Future income growth promises to make homes more affordable. Affordability has already improved, with mortgage rates hovering near three year lows. There's one problem, though, that most people overlook, and that is this wage growth has been skewed toward the higher income deciles, renters, especially workforce renters, they don't feel it until later. So this 3.8% wage growth, it's heavier for higher income people, and it's lighter for lower income people. I swear, when there are enriching economic trends, it always hits the higher income people first, and it doesn't trickle down until later. So if you as an investor, are positioned before the rent wave hits, you are surfing, and if you wait to feel it, you're swimming behind the boat. Higher wages should translate to higher rents in the next one to two years. And as far as some other forces, as we all know, the man occupying the oval office in the White House, the President, he wants lower rates. The current Fed Chair isn't so willing to do that. The next one, the one he appointed, Kevin Warsh, who arrives in May. He seems more receptive to lower rates, but it's gonna take a while. It all moves so slow. We have had 16 fed chairs before worsh over 112 years. And look how much of an econ nerd Are you? Are you as bad as me? These voices are in chronological order, and I can name each speaker.   Corey Coates  14:47   You're going to have to live with the fact that forecasts have a range of uncertainty, irrational exuberance.   Corey Coates  14:54   In my opening remarks, I'd like to briefly first review today's policy decision, but   Corey Coates  14:58   first I'll review recent. Economic developments in the Outlook, and we are well positioned to wait to see how the economy evolves.   Keith Weinhold  15:06   If you can name each of those speakers, I would love to give you a free property from gremarketplace.com but I can't quite swing that in order. Those voices are Paul Volcker. He served from 1979 to 87 he was known for crushing double digit inflation by jacking rates to near 20% it was painful medicine, but it worked the next one. Alan Greenspan sir, from 1987 to 2006 that was a long reign, almost 20 years. He oversaw the 90s economic boom, the.com bubble and the early housing bubble. Years so far, Greenspan is the only Fed chair that I have met in person. Then Ben Bernanke, he was the Fed chair from 2006 to 2014 he took the helm right before the 2008 financial crisis. He rolled out QE and emergency lending on an historic scale. In fact, he was nicknamed helicopter Ben because it's like he would print so much money that he just dropped it out of huge sacks, dollar bills in huge sacks, dropping them from an airplane, metaphorically, not literally. Then Janet Yellen, 2014 to 2018 she kind of continued this post crisis normalization, and she was the first woman to chair the Fed and then, of course, Jerome Powell serving from 2018 to 2026 he navigated the covid stimulus, ultra low rates. And then after that, the fastest rate hiking cycle in decades to fight inflation back in 2022 being the Fed chair is the most important job in this economy, and over the decades, there's been more of a movement of the fed into the public eye. You just hear about them more in the media than you used to. But like I touched on last week, it just still doesn't mean as much to real estate investors as a lot of people think, people sometimes look for someone else to come save them, but it's more about you and the choices that you make that's what means more housing supply and demand means more real estate investors have profited during every one of those Fed Chair reigns, which go back almost 50 years from Volcker to today, I think everybody knows that fed chairs don't control property prices, and they don't even control long term interest rates. What's a little paradoxical is that Trump has been vocal about how he wants more affordable home prices, yet at the same time he wants existing homeowners to have their home prices go up, those two things seem to be in tension. They're in conflict with each other. The only way you can possibly get both are through lower mortgage rates. But is he going to see later today you as a GRE follower, you don't have to wait for lower rates income, property still feels less affordable than it did five years ago, because it is that's real but here's the key distinction in what makes real estate investors different from owner occupied homeowners. Affordability isn't about the price of the property, it's about whether the property pays for itself and grows your net worth while inflation does the heavy lifting. Higher prices don't kill investors. Inaction during inflation does you're not buying a say, $350,000 property. You're controlling it with $70,000 while your tenant and inflation do the rest. We do not rely on hope or appreciation. We start with income tax benefits and debt pay down and then leverage appreciation typically happens as well. GRE only succeeds when investors close on properties that perform long term. One bad referral costs us years of trust, so we don't do that. The best question for you really isn't whether property is affordable. The question is whether owning an investment property is better than inflation compounding against you. That's the investor lens today.    Keith Weinhold  19:24   coming up next week on the show here, we're going to discuss apartments. It's been a truly be leaguered sector, where their prices have fallen 2030, and 40% in many markets. We've discussed apartments here on the show a lot before, like with Grant Cardone on episode 264, with Ken McElroy, countless times with me monologuing about apartments. And next week, we're going to talk to a multifamily educator who is known as the apartment King. Later on, a future show, we've got the return of the financial. Firebrand, and lately, the financial comedian Garrett Gunderson, a powerful speaker. That's definitely going to be interesting. As for today, you'll hear a first person account from a Florida resident about why he's moved to Florida and why he invests there. You've heard of this guy before. That's next. I'm Keith Weinhold. You're listening to Episode 593, of get rich education.    Keith Weinhold  20:26   Flock homes helps you retire from real estate and landlording, whether it's one problem property or your whole portfolio, through a 721, exchange, deferring your capital gains tax and depreciation recapture, it's a strategy long used by the ultra wealthy. Now Mom and Pop landlords can 721, the residential real estate request your initial valuation, see if your properties qualify@flockhomes.com slash GRE. That's f, l, O, C, K, homes.com/G. R, E,    Keith Weinhold  21:02   you know, most people think they're playing it safe with their liquid money, but they're actually losing savings accounts and bonds don't keep up when true inflation eats six or 7% of your wealth. Every single year, I invest my liquidity with FFI freedom family investments in their flagship program. Why fixed 10 to 12% returns have been predictable and paid quarterly. There's real world security backed by needs based real estate like affordable housing, Senior Living and health care. Ask about the freedom flagship program. When you speak to a freedom coach there, and that's just one part of their family of products. They've got workshops, webinars and seminars designed to educate you before you invest. Start with as little as 25k and finally, get your money working as hard as you do. Get started at Freedom family investments.com/gre, or send a text. Now it's 1-937-795-8989, yep, text their freedom coach directly again. 1-937-795-8989,   Keith Weinhold  22:13   the same place where I get my own mortgage loans is where you can get yours. Ridge lending group and MLS, 42056, they provided our listeners with more loans than anyone because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage. Start your prequel and even chat with President chailey Ridge personally. While it's on your mind, start at Ridge lending group.com that's Ridge lending group.com   Zack Lemaster  22:47   this is rental retirement Zach Lee Masters. Listen to get rich education with Keith bleinhold, and don't quit your Daydream.   Keith Weinhold  23:02   I'd like to welcome in our own in house. GRE investment coach, we haven't had you on the show since November. Welcome in Naresh.   Naresh Vissa  23:11   Kwith, It's a pleasure to be back on the show. Thanks for having me on.   Keith Weinhold  23:16   We're just playing it all casual and comfortable here in house. You were just finishing up, what ice cream or a container of something right before we got started   Naresh Vissa  23:25   here, all done with the ice cream and ready to record the podcast.   Keith Weinhold  23:29   Yeah, all right, keeping cool for our chat. Well, you know you do live in Florida, so you must have your own perspective on the Florida market. You live in the Tampa area, and the reason that that's a germane topic is that's something we've been talking about here lately as really an opportunity, and that is because most of Florida has seen some temporary property price attrition, but yet more population growth is projected. So that's why we feel like that's temporary. But why don't you tell us about what you see on the ground there?   Naresh Vissa  24:07   Keith, I've lived in Florida for 11 and a half years now. That's Tampa, Florida. I like Florida a lot. I moved here December 2014 for similar reasons that many people are moving here today. So I moved to Florida in December 2014 because of no state income tax, because of, at the time, lower cost of living. Florida was one of the states I got hit the hardest during the 2008 financial crisis, or nothing called in a real estate crisis, Florida, Arizona, those few others got hit really, really hard. So Florida at that time was still rebounding from 2008 so I moved for the affordability, the no income tax, of course, the weather better. Weather. And then most places in the Northeast I've lived so weather is a big deal when it comes to real estate and geography as well. These are all different reasons to move to Florida, and these are the reasons why I moved to Florida. I was also single in my 20s, so I was much younger at the time. I was single in my mid 20s, and Florida is very good for that too. For 20 something Gen Z folks today, Florida is definitely a place that they should consider. I moved down here and I fell in love with it. From day one. I got a place living right on the water, a beach. Got beaches everywhere. Florida's tour. And I say all this because these are all enticing features of Florida, for renters, for tenants, for snowbirds. I had never even heard of what a snowbird was until I moved down to Florida, where you have people who literally live here for seven months of the year, and then they live in their home state for five months of the year. So that's generally what it is, seven months in Florida, five months in their home state, which can be the people I know personally are from New York, Connecticut, Illinois, Ohio. The list goes on and on. Basically anywhere that's north of Florida could be considered a snowbird area. So that's another reason why Florida is a very hot market. Now, obviously, during the pandemic, in end of 2020, people started moving to Florida in droves. Part of it was politically, because you didn't have the restrictions that other states had during that crazy time that we lived through. And another part of it was work from home. So similar to me, in 2014 when I became full time work from home, I wanted to move somewhere for all those different reasons that I gave you the total package, and Florida fit that there was maybe one other state that fit the bill, based on everything that I told you, probably one other state. That's it. So Florida fit the bill, and that's why I think Florida is always going to be despite the hurricane prep, Florida is always going to be a destination that people will seriously look at whether you're older, retirement age or younger. Like I said in my mid 20s, single guy Florida is always going to be that destination for all the reasons that I laid out. So with that being said, what does that mean for real estate? What that means for real estate is that there's going to be a constant supply of people coming into Florida, and when there's a constant supply of people coming into Florida, then you can expect real estate prices to at least not decline. We passed, you know, all sorts of bills, including Dodd Frank post 2008 to prevent people from taking out mortgages that they couldn't afford. So now that that's out of the way, when you have a constant supply of people who are able to afford homes, who are able to afford rents, well, that's going to be a constant supply. So that's good for investors, that's good for appreciation. It's good for cash flow. And that's why I'm a huge fan, not just of the state of Florida, but also investing in Florida. And I own real estate in Florida, and you can say that I lucked out, but I bought a property in 2019 and it nearly doubled in value, yeah, when I say doubled in value in a matter of I want to say, like, two years, two and a half years, it nearly doubled in value. So with that being said, Florida, this was a rare cyclical trend when we just saw this huge upswing, rare cyclical trend. But I don't anticipate cycles like this, where you're going to have booms and busts. Moving forward, we haven't seen a bus since 2008 like I said, the the law has been taken care of in that sense, the regulation. I love the state. I've lived in six major cities, but maybe five different states, and Florida is hands down my favorite. That's why I've lived here for what did I say? 11 and a half or 12 and a half years? I don't even remember anymore. It's actually 11 and a half. My roots are here. I now consider myself a Florida person, even more so than the state of Texas, where, which is where I spent 18 years. I have no doubt that I'll surpass 18 or 19 years in Florida, and that this is it, right here. And a major reason is because this is just such a great state. It's free, it's real estate friendly. This is for people who are looking at buying primary residences, not for investment properties. But the governor has put on the ballot this coming election cycle to remove, to abolish the property tax in the state of Florida. So if you own, if you live full time, not a snowbird, not investors, but if you live in Florida permanently, then no more property tax if the vote passes. So that's another huge plus for owning property if you're a permanent resident in Florida,   Keith Weinhold  29:57   yeah, even if the property tax is abolished. Which seems unlikely, you could just tell what the tenor and the temperature of the tax climate and the investing climate is like in Florida, if they're even spearheading such a proposal, and they're a national leader in something like property tax abolition, like they are and Naresh about eight years after you moved there, which would be, what about 2020? 2022, somewhere in there, we had that strong pandemic migration push into Florida. What's happened is that that flow has slowed down. There's still positive net in migration in there in Florida. But the builders, they got ahead of this, and the pandemic migration wave waned, and they had a temporarily overbuilt condition, and they still do now, which is one reason why we've seen prices fall somewhat in most Florida zip codes, and this spells part of the opportunity. So you do have all these new build properties, some of which are vacant, but you have a good chance they're going to get absorbed pretty soon. And there are some obvious advantages to owning new build.   Naresh Vissa  31:11   Well, Keith, there is brand new construction in Florida, like you said. The work started in 2021 and there are homes that have not been sold. I don't want to say, since they were finished building in 2021 they recently finished building in 2025 and these homes could be a variety of reasons. It could be economic related. It could be hurricane related. In Tampa, the Central Florida, we had two horrible hurricanes back to back within a 15 day period, two really bad hurricanes towards the end of 2024 September and October 2024 and people lost their homes. Renters lost their homes. Other people just were freaked out and scared and said, You know what? I don't want to deal with. I've got PTSD from these hurricanes. I'm moving up to Alabama or Georgia or Orlando, you know, somewhere in Central Florida, that's a way. But even that area, you know, the hurricane still made it through to those areas too. People just picked up and said, You know what I'm done with Florida. It's a great state, but I don't want to deal with these hurricanes. And so regardless, whatever the reason, this is a pie, and these are all slices of the pie, I don't know what's been more of a contributing factor than which one has been more than the others. But with that being said, there are tons of properties in Florida, pretty much the entire state of Florida, where, especially new construction properties, are below at the time when they were being built, they're below what they anticipated being listed as. And So Keith, we're having a special webinar this Thursday, talking about these properties because they are discounted properties. They are properties that are selling at tremendous discounts, like I said to when Ground was broken years ago. So join that webinar. Gre, webinars.com gre webinars.com. Again, brand new construction. Many of these properties already have tenants in place. Not all of them, but many of them do already have tenants in place. There are all sorts of incentives that the builder is offering. And there are many builders in that, not just this one that's going to be on the webinar, but in Florida, there are many builders who are offering discounts, rate, buy downs, other incentives, because the home values have fallen somewhat a bit. Why have the home values falling? Because the demand has fallen as well. So again, the next question people might have is, well, if the demand is falling, if home home values are falling, why would I buy the trend is downward. And the answer is, whether it's a stock or any other security, you don't necessarily want to have the FOMO to buy at an all time high, just because everyone else is buying it. And I actually have family members who bought real estate at the peak of 2022 there was FOMO and there was, hey, you know, I need to get a flip, and they're down. They bought peak 2022, and they're down today. Because, look, you can pick any housing market in the country, especially a prime state like Florida. Look at any 30 year period, and you will see that home values are up double digits, even if you look at 2009 when the housing market crashed and we reached something like 10 year bottom in housing, if you look at the 30 year period, well, if someone who bought a house in Florida in, say, 1979 was still way up on their property in 2009 30 years later, we're not buying Bitcoin here where it can go up 30% in one day or go down 30% in one day. We're talking real estate, and real estate has been proven. It's been tested. It's been proven throughout time, not even a 30 year period. I think if you take any 20 year period, you're going to see the same trend of double digit gains, double digit growth. On real estate appreciation. So I'd say, if you're skeptical about Florida, you see these home values, all these discounts, that's the first thing I hear from followers. They say, why are they offering so many discounts? I'm a little concerned about all these discounts and incentives, and I don't know if that's a good thing. Well, I say, Well, I mean, you can buy full price in another state, if you'd like, you know, in California or so you could, you're more than free to buy full price. But we're talking Florida here. We're not talking about West Virginia or Rhode Island, or, you know, Nebraska. We're talking Florida. This is still the land of Mickey Mouse and Minnie Mouse, this is the land of the best beaches in the country. I mean, they there's just no arguing or debating these facts. Florida all the reasons that I stated earlier, is going to continue to be a hot, hot market. So I highly recommend people, if you want to get in on these discounted deals, G R E, webinars.com G R E, webinars.com register for our upcoming online and live special event this Thursday evening at 8pm Eastern Time, 8pm Eastern Time, gre webinars.com you won't want to miss this free, online and live special event.   Keith Weinhold  36:25   When a pound of oranges is on sale or a pound of zucchini is on sale, consumers are often attracted to that sale. Should probably be the same way with you considering adding to your real estate portfolio, and it's funny, when oranges of zucchinis are on sale, no one tries to find fault with it and think that they're rotten inside or something like that. But somehow with real estate or an investment that tends to get scrutiny from people, but these are real discounts that you're getting over buying, say, two years ago, and we're talking about a motivated seller here. And as you know, Naresh, we had the builder on the show last week, the one that's going to be co hosting the webinar with you on Thursday, and he talked to us about buying down mortgage rates to between 3.75% and 4.25% and we're here at a time where the owner occupied rate is six to six and a quarter the investor rate is seven, so you're getting about a three percentage point buy down. That's really the attraction. And Naresh, before I ask you, if you have any last thoughts, yes, again, it is our live event that you can attend from the comfort of your own home, Thursday the 19th, at 8pm eastern in just a few days, here with Naresh and the builder who you heard on last week's show, co hosting a live webinar for Central Florida so inland new build income property. It's free. You're invited, and the benefit of you attending live is that you can have any of your questions answered in real time. You're going to learn more about the Central Florida market and more about the home building process, and you are going to be able to see available new bill property, real addresses, with some of these pretty grand incentives that we've talked about again. GRE webinars.com, any last thoughts? Naresh   Naresh Vissa  38:17   I get a lot of questions about is right now the time to buy? Should I buy later? What's going to happen with real estate? And I know the number one question, or the number one caution our followers are going to have, is, is right now the time is March or April, the time. And I say, look, with real estate, I already gave you the figure that you take any 20 year time period, any 30 year time period, and that's our time horizon here at GRE again, we're not trying to buy bitcoin here and flip it, you know, two days later, we're looking to buy and hold for, I don't want to say forever, but I know my time horizon in general is the full 30 year term, at least for my properties, and some people you know, want 10 or 15 years. That's fine too, but that's the time horizon. It is not one year, two years. We're not flipping new construction properties here in Central Florida. We are looking to buy and hold over the long haul, get some very good, high quality tenants in there, in these new construction properties, so that you, the GRE follower and the investor, can collect your monthly cash flow as well as over that 20 year period, or that 30 year period take part in appreciation as well. We've also talked extensively, Keith in previous episodes about interest rate cuts that the Federal Reserve is going to be doing, and just know this, there's a reason why the builder is offering these incentives where you can get the rates so low, your mortgage rate can be so low, and it's going to take at least a year, even if the Fed goes to zero. I mean, it's going to take mortgage rates a very long time. And to reach that point of getting such low interest rates that you just laid out, so that even makes it more enticing, like, Hey, I basically have a head start on the Federal Reserve because I follow the Fed pretty closely. We don't need to get into those details, but it's looking heavily like they are going to be start cutting again later this year, this summer. So it's looking like they're going to do that, but again, now you can have a head start, because when the Fed starts doing that, and when the mortgage rates fall, then everybody's going to jump in. And what's going to happen to the home values once everybody jumps in, well, they're going to go up. You want to jump in when everybody is not jumping in, and when you can get an amazing deal on these interest rates thanks to the builder buying down your interest rate. So this is a GRE special you can't get these deals. I challenge our followers to go on the internet and try to find better incentives or deals. And what you're going to see on this webinar, on this online, live special event. So gre webinars.com you can join me as well as our special guest. He heads up the builder. His name is Jim. He's going to be on with me. And please join us at grewebinars.com sign up for this free and live online special event.   Keith Weinhold  41:20   These are some great points. There's a lot of anticipation for Thursday, Naresh. We'll see you then.   Naresh Vissa  41:25   Thanks, Keith.   Keith Weinhold  41:32   Oh yeah, a first person account on Florida life and opportunity from our own Naresh nationally, the build to rent model that has been a real success, building single family rentals with the intent that they are rentals. From day one, over 321,000 homes have been built specifically as rentals this way since 2012, and more than three quarters of those in just the last five years. So the build to rent trend is picking up steam. About 1/3 of Americans rent their home, and although the word rental for some people that still conjures up visions of high rises packed with apartments, but a growing number of today's rentals are these freestanding, single family homes and duplexes like we're talking about today, nestled in suburban communities with top notch schools, and that's why a growing number of mom and pop investors have hopped on the build to rent bandwagon. They take less maintenance. It attracts quality tenants who stay longer, and the rentals have changed, but so had the renters. 20 years ago, it felt like tenants had to rent, like they had no choice. Today, you've got more and more tenants that choose to rent. Many of them make 100k to 125k or more. Today, rentals are cheaper than owning for those people, and they're less of a headache. A lot of them don't want to fix things, and you as the owner, don't want to either. That's why new build is attractive. Then, you know, I just sent that great map to our newsletter subscribers about which states saw the most population gain from 2020 to today, the South had more population growth than every other US region combined, which is jaw dropping and within the South, the state with the most population growth since 2020 is Florida, with An 8.9% population gain in that span, narrowly beating out Texas and South Carolina. By the way, even if it weren't for the attractive builder interest rate near 4% these Sunshine State deals could still make sense. New build single family rentals from the 270s new build duplexes, 395 to 420k low insurance rates, positive cash flow, a builder warranty. And it's really even better than that. These properties are centered on Ocala, Florida, which received national recognition as the fastest growing city for this second year in a row. That's according to a U haul report, and Florida is the epitome of investor friendly. Florida is the first state to enact a law allowing law enforcement to immediately remove squatters. It distinguishes them from legal tenants. You might come to the webinar event, perhaps thinking about 80k or 500k that you want to allocate toward property or maybe nothing and you just want to learn at the event you will evaluate realistic opportunities learn how property management is handled, and understand how today's inventory fits into your disciplined, long term strategy that all takes place on. On Thursday the 19th at 8pm Eastern. It's our biggest event of the year, and it is called Why Central Florida is the year's most compelling housing market. One last time for Thursday, it is gre webinars.com, until then, I'm your host. Keith Weinhold, don't quit your Daydream.   Unknown Speaker  45:20   You nothing on this show should be considered specific, personal or professional advice. Please consult an appropriate tax, legal, real estate, financial or business professional for individualized advice. Opinions of guests are their own. Information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of get rich Education LLC, exclusively.   Keith Weinhold  45:52   The preceding program was brought to you by your home for wealth building get richeducation.com