Podcasts about central mississippi

Join Clay Edwards for a daily dose of unfiltered talk radio on The Clay Edwards Show, broadcasting live on 103.9 WYAB in Central Mississippi and streaming in HD on platforms like Facebook, X, YouTube, and Rumble. Clay tackles local and national issues, from Jackson's cultural challenges to broader societal topics, with a focus on accountability and rejecting what he calls the "Democrat death culture." Expect candid discussions, listener calls, and commentary on everything from community standards to political controversies, all delivered with Clay's signature no-nonsense style. Tune in for engaging segments, including local news updates, motivational insights, and debates on how to reclaim public spaces through action and discipline. The show also features community-focused sponsors like Men's Health of Mississippi and Women's Wellness of Mississippi, emphasizing health and local business support. Catch the podcast at clayedwardsshow.com for the latest episodes

Weather Roof: A Story of Grit, Hustle, and Outlaw Entrepreneurship In the heart of Mississippi, two young entrepreneurs, Walker Pearson and Corbin Allen, have built Weather Roof, a roofing company that embodies the spirit of overcoming adversity and carving your own path. Founded in 2020 by Walker, Weather Roof is more than a business—it's a testament to resilience, organic growth, and the audacity to chase success against all odds. Walker, now 26, and Corbin, 27, are the definition of outlaw entrepreneurs. Their journey began with humble roots and hard lessons. Walker faced personal rock bottom in his early 20s, battling addiction and a toxic relationship that led to multiple stints in the Madison County Correctional Facility. It was there, during a 32-day stay, that he had his "aha" moment. Surrounded by career criminals, he realized he didn't belong in that world. An ankle monitor and court-ordered programs forced him to confront his choices, sparking a fire to rebuild his life. He started Weather Roof as a one-man operation, driven by a vision and a name that popped into his head one day. With no formal business plan, he leaned on sheer determination, knocking on doors to sell roofs—an approach many shy away from but one that became the cornerstone of Weather Roof's organic culture. Corbin's story is equally compelling. Growing up in Brookhaven, Mississippi, he faced a childhood marked by instability, with a mother struggling with drug addiction and a father in and out of prison. An 8th-grade dropout, Corbin found himself in trouble throughout his teens, culminating in a two-year prison sentence at 18. In Rankin County Jail, a fellow inmate's prophetic words gave him hope: “God can use a failure, but He can't use a quitter.” That moment ignited a transformation. Upon release, Corbin taught himself carpentry through YouTube, hustling to build porch swings and furniture to make ends meet. His work ethic landed him a job in air conditioning, where he shattered expectations, selling $3 million in systems in a single year, outpacing seasoned salespeople despite his lack of formal education. Together, Walker and Corbin have scaled Weather Roof into a powerhouse with nine branded trucks and a 20-person team. Their success stems from a relentless door-to-door approach, undeterred by rejection, guns pulled, or odd encounters—like the client who sealed a $28,000 deal with a spit-soaked handshake. They've turned “no” into fuel, building a brand that now attracts clients through referrals, Google, and social media. Yet, they remain grounded in their roots, fostering a culture of growth, fitness, and mutual support, inspired by like-minded peers like Michael Deere. Weather Roof's story is about creating your own luck. From Walker's childhood dream of a Lamborghini to Corbin's hustle to provide a better life for his four kids, they've embraced the pain of entrepreneurship—mental, physical, and emotional. Their mantra? Outwork everyone, surround yourself with truth-tellers, and never fear failure. As Walker puts it, “You gotta cook.” And cook they have, proving that with grit and audacity, even the toughest storms can lead to clear skies. For more on Weather Roof or to explore roofing options, visit their website or check out their vibrant social media presence, where their journey continues to inspire.   Catch Heavy Hitters with Clay Edwards live every Monday for compelling stories that inspire and motivate. Tune in on 103.9 FM WYAB in Central Mississippi or watch live on the SaveJXN Facebook, YouTube, X, or Rumble channels. For a commercial-free experience, listen to the Clay Edwards Show podcast by searching "Clay Edwards Show" on Apple Podcasts, Spotify, Podbean, Stitcher, YouTube, or any major podcast platform. Look for episodes titled "Heavy Hitters."

In this jam-packed episode, Clay kicks things off with a lively recap of his night at the inaugural Mississippi Mud Monsters minor league baseball game in Pearl. From the vibrant turquoise-and-black uniforms to the family-friendly fun, Clay paints a vivid picture of a team bringing excitement back to Central Mississippi's baseball scene. He shares hilarious anecdotes, like navigating a wardrobe malfunction in the gift shop while snagging a stylish Mud Monsters hat, and reflects on the team's opening night growing pains with a crowd of over 4,500. Clay's enthusiasm is infectious as he urges listeners to support the Mud Monsters, emphasizing their role in creating affordable, fun outings before the Mississippi heat sets in.   But Clay doesn't stop at sports. He dives into a thoughtful analysis of why minor league baseball struggles in Central Mississippi, citing the region's competitive recreational landscape. From travel ball commitments to the allure of college baseball at Mississippi State, Ole Miss, and Southern Miss, Clay argues that the demographic most likely to attend games—families and young athletes—is often stretched thin. His solution? Market the Mud Monsters as a family-friendly spectacle where fun, food, and drinks take center stage, with baseball as a delightful bonus. It's a compelling case for reimagining minor league baseball's appeal in the South. The episode takes a sharp turn into Clay's signature “free-for-all” territory as he tackles a range of topics with his trademark candor. He plugs local businesses like Martin's Livingston and Acme Pizza & Daiquiris, offering mouthwatering recommendations for Fried Chicken Fridays and specialty pizzas that make for perfect weekend outings. Clay also gives a shout-out to Ric Flair's upcoming appearance at Southern Sky Brands, humorously noting the catch for fans wanting to meet the wrestling legend. His passion for local culture shines through as he challenges the notion that “there's nothing to do” in Jackson, pointing to a vibrant scene of concerts, dining, and sports that rivals bigger cities.   Never one to shy away from controversy, Clay wades into a “light-hearted” discussion sparked by a Twitter debate about a hypothetical race war in America. While firmly dismissing the idea as absurd and undesirable, he engages with the topic to highlight its futility, pointing out the diversity of perspectives within communities and the unlikelihood of such a conflict. Clay's commentary is both provocative and reflective, urging accountability and higher standards across cultures while rejecting divisive narratives. He also addresses the Tyre Nichols case in Memphis, critiquing media narratives that frame the verdict through a racial lens, and calls out local news outlets for their selective reporting on issues like Brad Arnold's cancer diagnosis.   Sprinkled throughout are Clay's personal anecdotes, from his love of live music (reminiscing about $17.50 Metallica tickets in 1989) to his frustration with Ticketmaster fees. He celebrates Rankin County's transformation into Central Mississippi's entertainment hub, citing events like Pearl Day and concerts at the Brandon Amphitheater, and contrasts it with Jackson's fading cultural dominance. The episode wraps with a nod to upcoming guests like Dr. Spencer Mills and a call to action for listeners to engage with the show's social media.   The Clay Edwards Show is a rollercoaster of humor, insight, and unfiltered opinions, offering a unique lens on Jackson's challenges and triumphs. Whether you're a local looking for weekend plans or a listener tuning in for Clay's take-no-prisoners style, this episode delivers. Catch it live on 103.9 WYAB or stream on SaveJXN, and join the conversation by sharing, liking, or dropping a comment. As Clay says, “You don't get this kind of content anywhere else!” Note on Positive Solutions: The transcript's reference to “too many positive solutions” is a sarcastic jab at critics who demand feel-good answers without addressing gritty realities. Clay's approach—highlighting local events, supporting businesses, and calling for community accountability—offers practical positivity grounded in tough love, not sugarcoated platitudes. The episode balances critique with celebration, proving there's no shortage of solutions when you're willing to confront the issues head-on.

Jake Wimberly from ESPN 105.9 The Zone in Central Mississippi looks at the in state SEC programs. Chuck and Heath discuss Jaden Rashada's case against Billy Napier and others being allowed to continue on to the discovery phase. Trey Biddy of Hawg Sports sizes up Arkansas spring football to this point.See omnystudio.com/listener for privacy information.

There's a new list of the most lucrative side hustles, but the side hustles in Central Mississippi range from dog groomer to candy lady!

It was a jam-packed minivan check-in this morning with kids from all over Central Mississippi checking in before the school day!

Original Air Date: 9/21/2024Held on the third Saturday of September, Cruzin' Clinton Car Show and Parade is one of Central Mississippi's premier car shows. The annual car show welcomes car enthusiasts from all over the state of Mississippi. Vintage and classic cars parade through the city of Clinton and park for the show located in historic Olde Towne. And it all goes down, Saturday, September 21st! In with us to tell us more about it all is Main Street Clinton Director, Tara Lytal & Cruzin' Clinton Rep., & our friend, Pete Tyer!Auto Casey Car Review: 1989 Chevrolet Corvette | Short TakeEmail the show: auto@mpbonline.org Hosted on Acast. See acast.com/privacy for more information.

This episode features 3 hunters and what they experienced this past week in regards to buck activity.  They share what they were seeing, what worked for them and what they anticipate in the coming days.   First, is Jordan Blissett who took 313" of antler in a 24-hour period in Missouri and Kansas on November 5th and 6th.  The second is Kenyon Wright of Southeast Missouri who took a mid 140's buck on Friday, November 8th and lastly, Justin Rogers of Central Mississippi who has been doing more prep work than hunting with the Mississippi rut being nearly a month out.  

Chuck and Heath discuss Georgia Tech moving 2025''s scheduled home game with Georgia to the Falcons stadium for 10 million dollars, and whether that could be a sign of things to come for other revenue hungry programs. Jake Wimberly of ESPN 105.9 in Central Mississippi looks at a difficult weekend for the in state programs. Nick Roush of Kentucky Sports Radio looks at the Wildcats after losing to Vanderbilt.See omnystudio.com/listener for privacy information.

Held on the third Saturday of September, Cruzin' Clinton Car Show and Parade is one of Central Mississippi's premier car shows. The annual car show welcomes car enthusiasts from all over the state of Mississippi. Vintage and classic cars parade through the city of Clinton and park for the show located in historic Olde Towne. And it all goes down, Saturday, September 21st! In with us to tell us more about it all is Main Street Clinton Director, Tara Lytal & Cruzin' Clinton Rep., & our friend, Pete Tyer!Once again for the 16th year in a row, the great automobiles and motorcycles of Europe will be coming to Renaissance at Colony Park in Ridgeland, MS for the 16th Annual Renaissance Euro Fest Classic European Auto and Motorcycle Show, Saturday, October 5th! For European auto enthusiasts, this is a wonderful opportunity to enjoy the beauty of British, Italian, German, and many other European vehicles. View over 150+ entries manufactured in five different countries, coming from ten different states! And in with us to tell us more is Euro Fest Rep., & friend of the show, Mike Marsh! Recalls: Check for Recalls: Vehicle, Car Seat, Tire, Equipment | NHTSAAuto Casey Car Review: 1989 Chevrolet Corvette | Short TakeEmail the show: auto@mpbonline.org Hosted on Acast. See acast.com/privacy for more information.

Topic: Malcolm and Carol share an interview with Chef McKinley Pierce from Boys and Girls Club of Central Mississippi and his 10-year-old student, Caylee Boyd. They discuss the culinary program and the recent Dole Nutritious is Delicious Cook-Off in CaliforniaGuest(s): McKinley Pierce and Caylee BoydHost(s): Malcolm White and Carol PalmerEmail: food@mpbonline.org Hosted on Acast. See acast.com/privacy for more information.

 I give out multiple FAFO grand championships to kick off the show this morning

On Creature Comforts, Kevin Farrell is joined by Dr. Troy Majure, veterinarian at the Animal Medical Center in Jackson and Libby Hartfield retired director of the Mississippi Museum of Natural Science.Beginning in Central Mississippi and trickling all the way down into the Gulf of Mexico, the Pearl River winds its way through much of our great state. The waterway is filled with many fish, reptiles, mammals, and unfortunately, littered items! Our guests today are Mandy Mullens and Claire Graves from the Pearl Riverkeepers, who join to inform you of how your assistance can help keep these waters pure.To submit your own question for the show, email us at animals@mpbonline.org or send us a message with the Talk To Us feature in the MPB Public Media App. Hosted on Acast. See acast.com/privacy for more information.

Will Vandevort of the Clemson Insider looks at Clemson as they open practice. Chuck and Heath discuss the oddness of LSU never having had a first round pick at offensive tackle and then potentially having two this season. Jake Wimberly of ESPN the Zone 105.9 in Central Mississippi joins to discuss Mississippi State and Ole Miss.See omnystudio.com/listener for privacy information.

Most of Central Mississippi is back in school as of today! We wanted to do a first day check-in!

A woman has spent years curating her bedpan collection! What are some other weird collections people have in Central Mississippi!?

1-Jackson Redevelopment Authority has been given a $1.5 Million dollar grant my the forestry commission and have decided to use to waste on converting a useless greenspace into a useless greenspace with tree's on Farish St. in downtown Jackson, Mississippi. We talk about all the reason why this is a complete grift, a hustle and a waste of money. 2-Our Farish St. greenspace conversation turned into the question of the day: What are some of the biggest projects that got announced but never happened in Central Mississippi (especially Jackson). Someone text and asked about the music festival "Jubilee Jam" returning and we explain why Jackson will never have another major music festival that depends on people who need to be able to let their guard down and enjoy themselves without having to be armed the entire time they're in town or at the festival. 3-MAKE COMEDY OFFENSIVE AGAIN: Remember when you could crack a racially insensitive joke without getting canceled? When the LGBTQ community could laugh at themselves and others without being accused of internalizing homophobia or transphobia? Oh, how we miss those days!   Nowadays, it seems like we've entered an era where only certain groups are allowed to be the butt of the joke. But let's be real, folks – if we can't laugh at ourselves, who can we laugh at? It's time to bring back the freedom to make fun of everyone, regardless of race, gender, or sexual orientation.   4-New article from Jerry Mitchell and the New York Time releases some internal "WhatsApp" text messages between Rankin County Sheriff's Dept. Goon Squad members where they talk about some of the terrible things they did, talked about keeping score, taking pics of corpses & more. We decipher what's reality and what's "locker room talk" and if Byran Bailey knew what was or wasn't going on with the Goon Squads activities. 

In recent years, Central Mississippi, particularly the Jackson area, has seen several ambitious projects announced with much fanfare, only to be met with disappointment as they never came to fruition. Among the most notable of these unrealized ventures is the "Jubilee Jam," a music festival once celebrated for its vibrant atmosphere and diverse lineup.   The Jubilee Jam, a beloved event that brought joy to many Mississippians, was unfortunately unable to continue due to the growing concerns over safety and security in the area. As the city of Jackson grapples with its reputation for crime and violence, potential attendees have become increasingly wary of attending large-scale events that require them to let their guard down and enjoy themselves without constant vigilance.   This unfortunate reality has led to a significant decline in the number of major music festivals and other large-scale events in the region, as organizers struggle to find a balance between providing a fun and memorable experience for attendees and ensuring their safety. The loss of such events not only affects the local economy but also deprives the community of opportunities to come together and celebrate their shared love of music and culture.   While it is disheartening to see projects like the Jubilee Jam fall by the wayside, it is essential for the community to address the underlying issues of safety and security to foster an environment where such events can once again thrive. Only then can Central Mississippi reclaim its status as a vibrant hub for arts and culture, attracting visitors from near and far to enjoy the rich tapestry of music and entertainment that the region has to offer.

Emily Grohovsky is a self-taught, Zone 8b gardener based in Central Mississippi. She owns a turnkey garden business called Cedar Hill Gardens. She empowers her clients to grow kitchen gardens right outside their doors, so they can enjoy their harvests year-round. Epic Gardening Shop Homepage: https://growepic.co/4bF4a8LBotanical Interests Shop Homepage:https://growepic.co/4bq0RTaBook Collection Page: https://growepic.co/44Ug8JCEGHomesteading Book: https://growepic.co/44J115HLearn More:Raised Bed Gardening: 7 Beginner TipsConnect With Emily Grohovsky:Emily is a self-taught gardener who owns a thriving kitchen garden business in Madison, MS. She and her husband, Brad, build and install custom, turnkey, raised-bed kitchen gardens and then Emily teaches her clients how to grow food in them. Her motto is "green thumbs are not natural. They are learned." Her goal is to teach anyone that they too can grow fresh, organic food without all of the overwhelm.WebsiteInstagramYouTubeZone 8 Planting CalendarShop the StoreAs an exclusive for listeners, use code THEBEET for 5% off your entire order on our store, featuring our flagship Birdies Raised Beds. These are the original metal raised beds, lasting up to 5-10x longer than wooden beds, are ethically made in Australia, and have a customizable modular design. Get Our BooksLooking for a beginner's guide to growing food in small spaces? Kevin's book, Field Guide to Urban Gardening, explains the core, essential information that you'll need to grow plants, no matter where you live!He also wrote Grow Bag Gardening to provide you with specialized knowledge that can bring you success when growing in fabric pots.Preorder Kevin's newest book Epic Homesteading if you are looking to turn your home into a thriving homestead! Order signed copies of Kevin's books, plus more of his favorite titles in our store.More ResourcesLooking for more information? Follow us:Our BlogYouTube (Including The Beet Podcast,  Epic Homesteading and Jacques in the Garden and Botanical Interest )Instagram (Including Epic Homesteading, Jacques)PinterestTikTokFacebookFacebook GroupDiscord Server

Join Craig and Matt on a thought-provoking episode of the R+E  podcast as they welcome special guest, Sherry Toler. Sherry is a highly sought-after therapist in Central Mississippi who explores the enigmatic world of narcissism. Delving into the practical realities of the subject, the trio discusses the journey of individuals discarded by narcissistic partners and their quest to rebuild their lives and form healthy relationships. Through engaging anecdotes and expert insights, listeners gain a deeper understanding of narcissistic abuse and the path to healing and empowerment. Tune in for an insightful conversation that promises to enlighten and inspire.  

Unsettled weather and severe thunderstorm chances will continue toexpand across much of the central United States over the next severaldays......Active fire weather pattern to emerge over the southern High Plains onThursday......Above average temperatures shift from the Great Basin to the Plains,while the West and East remain cool through the end of the week...An increasingly active weather pattern is beginning to unfold across themid-section of the country as an upper-level trough from the subtropicaleastern Pacific continues to head toward Baja California and theSouthwest.  This trough is expected to interact with warm and moist airreturning from the Gulf of Mexico and produce an expanding area of showersand thunderstorms gradually lifting northward of a warm front.  Theinitial stages of rain/thunderstorm formation are setting up acrossOklahoma into western Kansas this afternoon.  Combined with a southernHigh Plains dryline, a few developing thunderstorms could turn severetonight from West Texas to central Oklahoma, in addition to the chancesfor isolated flash flooding. A greater severe weather threat is expectedto expand across the central Plains on Thursday as a surface cyclonerapidly deepens in response to the approaching upper level trough. Theaforementioned warm front is expected to continue lifting northward whilethe High Plains dryline pushes east. This environment is anticipated toproduce numerous thunderstorms across the central and southern Plains,with scattered storms turning severe. The Storm Prediction Center hasissued an Enhanced Risk (level 3/5) for severe weather across parts ofsouthwest/south-central Kansas and western Oklahoma into the eastern TexasPanhandle. Very large hail, severe wind gusts, and a couple strongtornadoes will all be possible. Multiple rounds of heavy rain could alsolead to scattered flash flooding, which has prompted a Slight Risk (level2/4) of Excessive Rainfall across parts of northeast Oklahoma, easternKansas, western Missouri, and northwest Arkansas. By Friday, the lowpressure system is forecast to deepen and slide east across the centralPlains while shower and thunderstorm chances also push eastward into theupper Midwest, mid- and lower Mississippi Valley, as well as the southernPlains.  Gusty winds will also expand across the central U.S. as the lowpressure system intensifies.Behind the dryline across the southern High Plains, the combination ofvery low relative humidity and gusty winds are expected to raise firedanger to critical level on Thursday and Friday. Any fires that developwill likely spread rapidly. Outdoor burning is not recommended.Additionally, gusty winds up to 55 mph could lead to areas of blowing dust.The Pacific Northwest should be the wettest region across the West throughthe next couple of days as a Pacific low pressure system moves onshore. The Coastal Ranges as well as the Cascades could receive a couple ofinches of rainfall with heavy wet snow possible across the higherelevations.

Patrick Hill tells us what he has been experiencing in South Alabama since the start of turkey season and Justin Rogers does the same, as it relates to Central Mississippi. Justin and Patrick have both hunted approximately 15 days of the season, to date.  Patrick has found success on 12 of those first 15 days, through hunts for himself, his buddies, his kids, and his clients.  Justin, on the other hand, has experienced a slower start to the season.  

If you live in Central Mississippi you have more than likely heard of, seen, or even read Hometown Magazine. In this episode we sit down with Tahya Dobbs, founder/publisher/editor for Hometown Magazines, owner of the Vault Venue in Downtown Brandon and former alderman for the City of Brandon. Join us as Tahya tells us her story of how she got to Brandon, how Hometown Magazines was born, about her time serving as an alderman, acquiring the Vault Venue, and so much more in an episode you don't want to miss! 

Jake Wimberly of ESPN 105.9 Central Mississippi joins Chuck to discuss his SEC record predictions for the coming season. Chuck discusses expectations for Ole Miss this year. Anthony Dasher from UGASports.com shares thoughts on what the impact of losing Dell McGee to the Georgia State head coach job would be for Georgia.See omnystudio.com/listener for privacy information.

Jake Wimberly of ESPN 105.9 Central Mississippi joins Chuck to discuss his SEC record predictions for the coming season. Chuck discusses expectations for Ole Miss this year. Anthony Dasher from UGASports.com shares thoughts on what the impact of losing Dell McGee to the Georgia State head coach job would be for Georgia.See omnystudio.com/listener for privacy information.

Cardi B hooked up with Offset and Adam is confused. The women of Central Mississippi have to give Adam and education.

Fake name "Troy" is worried his wife's new found heritage is going to mess up their Christmas plans. Lots of great advice from Central Mississippi!

Fake name "Fred" wants to date his ex's friend... what does Central Mississippi think?

Fake name "Katie" thinks her husband's family is asking for too much. They are charging $40 per person to attend Thanksgiving this year! What does Central Mississippi think she should do?

Fake name "Andy" is worried about his wife who has been struggling with her anxiety. Central Mississippi rallied to support! We got amazing advice from Lauren, Amy, Vanessa and so many more!

Bakers are warning against cake smashing after people get impaled by the cake stabilizers. OUCH! Central Mississippi has some weird injury stories to add.

Fake name "Chuck" was a serial cheater in his past life. He has changed his ways and is getting serious with his new girlfriend. How much of his past does he tell her? Central Mississippi had a TON of advice!

We just wanted a drama Monday so what is Central Mississippi feeling dramatic about?

There's a viral list on Reddit right now about all the things we are sick of buying and Central Mississippi has a bunch of things to add to the list!

Fake name "Olivia" bailed on her friends trip this weekend and does not know what to say to her friends. Central Mississippi once again had all the support for or DMer!

Fake name "Trent" wants to take his kids out trick-or-treating, but his girlfriend does not want any of his or her kids to have all that sugar. Central Mississippi has a ton of advice for "Trent"!

The new dating term is called "Fireworking" and it's when you use a new boo to make your old boo jealous. Apparently guys in Central Mississippi are more likely to try and make an ex jealous...

Fake name "Connie" is worried she won't fit in with her new friend group if she doesn't wear a Barbie costume for Halloween. The support from Central Mississippi was so moving!

Fake name "Fran" is worried her friend is spending way too much and when she tried to voice her concern it caused a big fight. Central Mississippi has a lot of advice for "Fran".

Fake name "Nelly" is worried she cannot trust the guy she started dating because he will not reveal his real name to her. Central Mississippi has a lot of thoughts on this!

A TikToker is getting dragged for mom-shaming and Central Mississippi wanted their turn!

The guys get to chat with franchisee John Richards. From the COO of the largest US franchise to a growing franchisee in Central Mississippi (he graduated from Southern Mississippi, see, swing and a southern miss, that's almost funny), John has a great story and a best practice to share.

Tune in as Naomi Jackson, President and CEO of the Boys and Girls Club of Central Mississippi, talks about the positive impact of the organization. Together, Dr. Tara Y. Wren and Mrs. Jackson discuss the programs and services offered through the Boys and Girls Club of Central Mississippi and how students grow and learn in a variety of ways because of it. Hosted on Acast. See acast.com/privacy for more information.

In this episode, Tedra explains the importance of caring for the land and the animals in which we eat. She shares an overview of how regenerative ag works as well as local farms we can support right here in the Central Mississippi area. Below is a list and contact info of local regenerative farms: Two Dog Farm - Community Supported Agriculture  256 First Street  -  Flora, MS 39071 twodogfarmsllc@gmail.com https://www.ancientpathshomestead.org/ jeremiah616homestead@gmail.com   Nature's Gourmet Farm 367 McKenzie Road, Petal, MS 39465 Ahavafamilyfarm@outlook.com for more information on how to be a part of the farm tour classes and what all is offered with that!           

Ashley Smith(Executive Director - National Council on Alcoholism and Drug Dependence of Central Mississippi) discusses the work of NCADD, and Tanya T(Our In-House Movie Critic) with what to expect if you make your way to the movies this weekend.

A viral video has us curious about people under the age of 25. We tested 4 under 25's.

We want to help you out by sharing Central Mississippi's go-to moves for getting out of the dog house!

AP correspondent Jackie Quinn reports on Mississippi Flash Flooding.

Fake name "Dora" needs to crush her husband's dreams and she needs the help of Central Mississippi.

Fake name "Becky" has new neighbors and wants to ask them to stop smoking at certain times. Is there a way to do this? Central Mississippi weighs in.

Getting power restored around Central Mississippi is such a good vibe!

“America in Black” will feature a heart-wrenching investigative piece on unnecessary amputations with correspondent Wesley Lowery. Black Americans are up to three times more likely to have their limbs surgically removed than the national average. And research shows many of those amputations were preventable. One Mississippi doctor, Cardiovascular Solutions of Central Mississippi founder Dr. Foluso Fakorede, is making it his mission to educate patients and is challenging Congress to act. While Dr. Fakorede fights the epidemic, patients and their families are forced to readjust to their new lives as amputees as they stare down the barrel of mortality statistics following amputations. This piece is a collaboration with ProPublica, who initially reported the story. Wesley Lowery is a Pulitzer Prize-winning journalist, author and on-air correspondent. He currently works as a contributing editor at The Marshall Project and a Journalist in Residence at the CUNY Newmark Graduate School of Journalism. In nearly a decade as a national correspondent, Lowery has specialized in issues of race, justice and law enforcement. He led the Washington Post team awarded the Pulitzer Prize for National Reporting in 2016 for the creation and analysis of a real-time database to track fatal police shootings in the United States. His project, “Murder with Impunity,” an unprecedented look at unsolved homicides in major American cities, was a finalist for the Pulitzer Prize in 2019. His first book, They Can't Kill Us All: Ferguson, Baltimore, and a New Era in America's Racial Justice Movement, was a New York Times bestseller and awarded the Christopher Isherwood Prize for Autobiographical Prose by the LA Times Book Prizes.

Severe weather could impact parts of the Magnolia State today. We talk to the National Weather Service.Then, Amtrak is seeking federal funding to study a possible new route across Central Mississippi.Plus, this week's History is Lunch examines the significance of Vicksburg during the Civil War. Hosted on Acast. See acast.com/privacy for more information.

Premiering on Sunday, June 4th, the forthcoming edition of BET's monthly newsmagazine “America in Black” will feature a heart-wrenching investigative piece on unnecessary amputations with correspondent Wesley Lowery. Black Americans are up to three times more likely to have their limbs surgically removed than the national average. And research shows many of those amputations were preventable. One Mississippi doctor, Cardiovascular Solutions of Central Mississippi founder Dr. Foluso Fakorede, is making it his mission to educate patients and is challenging Congress to act. While Dr. Fakorede fights the epidemic, patients and their families are forced to readjust to their new lives as amputees as they stare down the barrel of mortality statistics following amputations. This piece is a collaboration with ProPublica, who initially reported the story. Wesley Lowery is a Pulitzer Prize-winning journalist, author and on-air correspondent. He currently works as a contributing editor at The Marshall Project and a Journalist in Residence at the CUNY Newmark Graduate School of Journalism. In nearly a decade as a national correspondent, Lowery has specialized in issues of race, justice and law enforcement. He led the Washington Post team awarded the Pulitzer Prize for National Reporting in 2016 for the creation and analysis of a real-time database to track fatal police shootings in the United States. His project, “Murder with Impunity,” an unprecedented look at unsolved homicides in major American cities, was a finalist for the Pulitzer Prize in 2019. His first book, They Can't Kill Us All: Ferguson, Baltimore, and a New Era in America's Racial Justice Movement, was a New York Times bestseller and awarded the Christopher Isherwood Prize for Autobiographical Prose by the LA Times Book Prizes.

It was a lot of Central Mississippi's last day of school! What great vibes!!

An air-fryer caused a fire in an apartment complex in Clinton, MS. Thank goodness everyone was okay, but it made us wonder what else has started fires in Central Mississippi!

In this episode, Tedra explains the importance of caring for the land and the animals in which we eat. She shares an overview of how regenerative ag works as well as local farms we can support right here in the Central Mississippi area. Below is a list and contact info of local regenerative farms: Two Dog Farm - Community Supported Agriculture  256 First Street  -  Flora, MS 39071 twodogfarmsllc@gmail.com (601) 624-4914 Ancient Paths Homestead https://www.ancientpathshomestead.org/ 601-339-0153 351 Conerly Rd Braxton, MS 39044 jeremiah616homestead@gmail.com Nature's Gourmet Farm 367 McKenzie Road, Petal, MS 39465 601-434-9081 Ahava Family Farm-in Yazoo County, MS Were a small scale farm, using rotational grazing practices with  chickens. Raising Pasture raised meat and eggs. Healthier an Happier Chickens is the goal.  And were offering classes on raising chickens and harvesting chickens.  Were offering farm tour classes coming up soon! We can be contacted by email @Ahavafamilyfarm@outlook.com for more information on how to be a part of the farm tour classes and what all is offered with that! 

Trey Guerieri, Broker Owner in Central Mississippi, shares the importance of business planning and breaks down how he implements and constantly evolves his business's objectives, he describes as navigational beacons, and goals, he refers to as the GPS.

Adam and Allison are answering Central Mississippi's questions.

Is anyone in Central Mississippi as passive-aggressive as one parker? Adam and Allison find out.

WLBT 3 On Your Side joins Local News LIVE as they cover clean up efforts and track more heavy rain chances across Mississippi.Support this podcast at — https://redcircle.com/local-news-live-daily/donationsAdvertising Inquiries: https://redcircle.com/brands

Veteran owned and operated, Eddie Wright BBQ is one of Central Mississippi's newest and highly visible pit masters on the circuit. Today, Eddie Wright, owner of Eddie Wright BBQ, sits down with Carol Puckett and Malcolm White to talk ribs. Email the show: food@mpbonline.org. Our GDPR privacy policy was updated on August 8, 2022. Visit acast.com/privacy for more information.

Monique Kelly has been selling real estate since 2007 but has been around the business all of her life. She is the third generation in her family in the real estate business. Monique feels so privileged to work for the #1 company in the industry Century 21 and feels even prouder to work for the #1 Century 21 in over 38 states. Monique understands that a home is often the most important investment a family can make, and she wants to help make the process of buying and selling easy, successful and enjoyable. In this episode, Monique gives us her take on the Jackson, MS market. We cover what makes Jackson an attractive market, the areas within the market, price to rent ratios, level of competition, geographical considerations, and things investors need to be aware of when investing here. --- Transcript Before we jump into the episode, here's a quick disclaimer about our content. The Remote Real Estate Investor podcast is for informational purposes only, and is not intended as investment advice. The views, opinions and strategies of both the hosts and the guests are their own and should not be considered as guidance from Roofstock. Make sure to always run your own numbers, make your own independent decisions and seek investment advice from licensed professionals.   Michael: What's going on everyone? Welcome to another episode of the Remote Real Estate Investor. I'm Michael Albaum and today I'm joined by Monique Kelly, who is a Roofstock certified agent out in Jackson, Mississippi and she's going to be talking to us about all of the things we as investors need to know, and what we should be aware of as we're getting involved in the Jackson market. So let's get into it.   Hey, everyone, just a real quick shout out before we get into the episode today, on Wednesday, June 15th at 5pm Pacific time, I'm going to be hosting a group coaching session inside the Roofstock Academy. So that is for all of our Academy members on short term rentals. So we're gonna get together I sent out a message in Slack, I'll be sending everyone an email as well. For those in the academy, keep your eyes peeled. If you are not already a member of the Roofstock Academy, I definitely encourage you to come check us out at roofstockacademy.com and you can even come participate in this first group coaching session and learn quite a bit more about what we have to offer. Look forward to seeing y'all in there.   Hey, Monique Kelly, thank you so much for taking the time to come on and chat with me today about the Jackson Mississippi market. I really appreciate you coming on.   Monique: Yeah, thanks, Michael. I'm so excited to be on with you today.   Michael: Me, too. So let's just jump right into it and then we'll circle back to your background. Why should people be excited about the Jackson Mississippi market?   Monique: Well, it has historically been a really great market for rental properties. People tend to pay a pretty high price point for rentals, I don't really know why. But historically, that's been the way it is and so, you know, it's a great place to invest. You know, the property prices are not too high. But the rent values are pretty high. So you know, it's just a, it's a growing area as well, so just a good a good area to invest in.   Michael: Just love it and give us a little bit of background on who you are as an individual and where you come from and what is it that you're doing in real estate today?   Monique: Well, I grew up in here in Mississippi, my family has been in real estate. So I've been around real estate since I was in diapers. My dad started this company about 40 years ago and he started our company with my grandmother and my aunt and so I've just been around it my whole life. I started selling real estate right outside of college and worked with my mom for several years. We were kind of a team. She's since retired and you know, I do this full time I've been selling since 2007. So and then in the past, like, I'd say three or four years, my main focus has been investors, and most of them are from out of state. So it's been interesting, pretty crazy ride, but I really love it.   Michael: Awesome and I think most of our listeners may not know the difference between like what an investor buyer client versus an owner occupant buyer client looks like. So why did you make the shifts to work with investors and what are some of the differences that you found?   Monique: Well, um, it kind of was just something that happened, honestly, I'd started working with some local investors and then I got a call, you'd like a an open door with Roofstock and so I kind of had a little bit of the experience and my family, they've all been investing, you know, as long as I can remember, they've owned lots of rental properties and so I've seen it firsthand and I've seen you know what a great income that can be for people and so once I started working with Roofstock, it just kind of blew up and that's been my main focus. You know, it's great that I get to meet people from other areas of the country and even over the world, you know, and get to share the great things about Mississippi and most have never been here. So, you know, it's just great to introduce them to Mississippi and the market here and they're usually pretty shocked with the value of the homes that they can purchase here for and get good rent and everything so, but they are different than owner occupants. You know, of course, they're looking at cash flow, and they're looking at numbers and so I tried to find really good deals and properties that are in great shape. So there's not a lot of maintenance up front or issues in the beginning and try to find a good product for a good solid product that's going to bring in some good income. So Jackson is in what's considered Hinds County it's central Mississippi would be, and then around it, you have Madison County and Rankin County and so the population would be, you know, the large population would be in all three of those counties. I would say the main, probably study jobs come from government jobs. It is the state capitol. So we have a lot of state government jobs and then we have local government jobs, I would say probably number two, the employment would be medical and we have a ton of hospitals. We've got the big teaching hospital in Jackson. So you have a lot of med students, nursing students, dental students, and then you've got nurses and doctors and just a lot of people in the medical field that live around here and then I'd also say Trucking is another big industry here. We are centrally located. So if you go north, you hit Memphis, you go south, you hit New Orleans, if you go west, you're gonna hit Dallas and if you go east, you're gonna hit Atlanta. So you have a lot of traffic, and truckers coming through and so that is actually a big source of jobs here is.   Michael: Interesting.     Monique: We did we are… Yeah, yeah. So I'm in Canton, which is part of Madison County, Amazon is building a facility. So that will be a new source of jobs pretty soon. We do have a Continental Tire factory and Clinton, Mississippi, which is part of Heinz and, you know, so there are some other things, but it's pretty diverse here, most of the jobs.   Michael: Fantastic, so for anyone listening, we're gonna be doing a kind of walkthrough of Jackson, Mississippi. So take it away, Monique, where should people be looking to find some of those cash flowing rentals and what neighborhoods are you most excited about?   Monique: Well, okay, so um, I would kind of break it down into three counties. So you've got sort of like the higher income higher rent county would be Madison County and if you look, it's kind of up north of 55, you'll see Madison and if you look up where Lipstadt is right above it, that is actually a brand new city. So it was part of Madison, it still has Madison address, but they just became a city, they've just voted for a sheriff and they're going to vote for a mayor and that part of Madison is growing major. I mean, there are new restaurants coming and just a lot of growth in that area and it's actually not in the city limits. So you have tend to have lower taxes, it's part of the county and that area is where you're going to get the top rents in the whole Jackson metro area. The schools are some of the top schools in the state and that's a big reason why people want to be there and so I would say on average, the rent in that area is going to be around 2300 a month would be the median.   Michael: Wow, okay. Yeah, for like, three to kind of run of the mill home.   Monique: Yeah, you're looking at maybe 16 to 1700 square feet, and you're probably going to get around 2300 a month for that property.   Michael: Right on and where are you seeing purchase prices?   Monique: The median purchase price is around 363.   Michael: All right, cool.   Monique: So but you know, you're able to get a property for under 300, you know, maybe 250 to 300 and rent it out somewhere between 20 320 500. So, also, you know, of course, if you get four bedrooms, you're gonna get closer to 3000 for it.   Michael: Okay. Right on.   Monique: Yeah, so that's, that's a great area, I would say probably the middle part would be Rankin County, which if you go down, where you'll see, Brandon… close to 25. I don't know if you see how a 25 right there. That's going to be in Rankin County and I would consider that sort of kind of like in the middle of the three counties and in that, at that area, I would say the median rent you're gonna get is around 1700. You could probably get close to 2000 or a little more, depending on the size of the house. You know how new it is and there are a lot of new houses in that area as well. So there's still there's growth in there too and they have great schools too and I would say the average price for a house would be around 270 and then I would say so then after that would be Hinds County and that's where Jackson is and it's pretty diverse. I mean, you've got little pockets in there. Have that are going to be a little different and so the numbers I kind of pulled are pretty broad. But for Hinds County, you're looking at an average rent of around 1350. Some of the areas, you might get a little more, you might get closer to 1700. Like in Clinton over here. It's kind of like its own little community. There's a university there and it's actually where I went to school at Mississippi College University and so it's a little bit different than the rest of Hinds County, but and the average price for a house there would be around 207,000.   Michael: Okay, right. So kind of starting to approach that 1% rule, so to speak.   Monique: Yeah, yeah, you'll probably get a little bit more cash flow in Hinds County. But the houses tend to be older. You know, there's tends to be a little bit more maintenance and things there. But, you know, any of those counties are great areas to invest in.   Michael: Perfect and talk to us a little bit, Monique, about how property taxes work out in if the three counties vary drastically, or if statewide, it's kind of similar.   Monique: Well, so we do have homestead exemption in Mississippi and so you know, it that pretty much cuts taxes in half for an owner occupant and so you know, an investor is going to pay almost double, then when an owner occupant pays and each area is different. It depends on if it's in the city, the county, it what fire district it's in and so when I put, you know, upload properties to Roofstock, I tried to do all of that up front and put the investors tax amount into their, you know, Roofstock website so that they're getting the accurate amount and so I'm able to do that sometimes on the tax records, they can they'll let me do a tax estimator type thing and so it just varies depending on the location, how I get the taxes, but.   Michael: Okay and let's just take a kind of shot in the dark for a $250,000 purchase price. What are you estimating ballpark for taxes, is it 1% of the purchase price, is it some other number? How should folks be thinking about that.   Monique: In Jackson, it's a lot higher. So a property and Jack that will and it also depends. So in Mississippi, they don't base it on the actual value of the property, they have an assessed value, and it typically is about 80% lower than the actual value. So what I do is I go look at the tax records, figure out the actual assessed value, and then I can base it off of that. So it just depends. In Jackson, you're gonna pay city taxes, which tend to be a little higher county taxes in school taxes, and Madison, some of the areas you wouldn't pay city would only be county and school and so it can vary a lot with that. But I do try to give an accurate amount when I put in input any properties so that they know that upfront or if you know it have been investors interested in a property and is curious about the taxes, I'm happy to make sure to give them an accurate amount as well.   Michael: Okay, fantastic. Well, that's a really good point to make about the homestead exemption. So for anyone listening out there, if they go on Zillow, and find an owner occupant home and look at the tax record and think, Oh, great, this is the amount I'm going to pay, they should at least be doubling it and then Monique, does the assessed value change on any kind of regular frequency, like here in California, anytime the property is sold, that's when they reassess the property at the price point at which it was purchased. So does a sale trigger reassessment or is it just every couple of years or how does that work?   Monique: It's every couple years, the sale does not trigger it. So I think it's every like four to seven years, it gets reassessed.   Michael: Okay, fantastic and talk to us about some of the things that are kind of maybe nuanced or unique to Jackson or maybe Mississippi in general, when it comes to like home inspections. In California, we have termites, that's a very common thing. So if you see termites, it's not the end of the world as long as the damage isn't super extensive. But if you're not used to that, that can make investors run to the hills. So what should people expect to find what's kind of par for the course in the Jackson market when it comes to home inspections?   Monique: Okay, so in Central Mississippi, we have what's called Yazoo clay in the soil, and it can cause a lot of foundation issues. Just settlement in general. I would say in older homes, it's more common. Now they pretty much will do soil tests, dig up you know, so many feet of the clay and putting good soil so you don't typically see it with newer properties. You might see a little bit of settlement like a little crack in here or there but it's not anything major. But some of the older homes like in Jackson, or even southern brand and a Madison, I mean, depending on the age, it's a little bit more common and so there's a lot of houses that have had foundation work, or they might need it and so I do try to steer people clear from that, just because it can be an ongoing thing. You know, once you repair, it doesn't guarantee that you won't have more movement. You know, because that clay it's going to expand or shrink, depending on how wet it is and we have a lot of rain here in Mississippi. So um, you know, I do try to steer clear that, but I can usually tell, you know, we can look at engineer report and see how extensive the movement is, if it's within so many inches, like three inches, it's not really anything major. But more than that, and it can become a pretty major thing. We also have termites in Mississippi. So I do see some of that, but as long as it's not extensive damage, it's typically okay, those are probably the two major things that you would want to look for.   Michael: Great and what about natural disasters and this might be a silly question. But do you all have hail down there or tornadoes or hurricanes, right, that sort of thing.   Monique: We don't typically get the hurricanes. We're a little too far north from the coast. But we do get hail damage and some wind damage, we can get some pretty straight line winds, and there are tornadoes that come through here. So people might notice if they start looking at disclosures, that roofs are pretty much replaced pretty frequently, and it is due to hail damage, you'll get a storm that comes through and you'll notice in a certain area, all the roofs got replaced around that time period. So but that is that's pretty much it. We pretty much have mild weather here. We don't get a lot of snow, if we get shut down if we get any snow. Because it's so rare and yeah, but we do get a lot of rain. It's pretty wet here and we do get some tornadoes and things like that here.   Michael: Okay. Awesome and kind of in thinking about the some of the natural disasters, and that leads me down the insurance path. What do you see, do you have like a ballpark estimator for what insurance costs are in Jackson?   Monique: I mean, I would say, it just depends on the price of the house, how new the house is how new the roof is. But for a newer house, like around, I don't know, $300,000 that the insurance will probably be about 1000, somewhere around there.   Michael: Okay, awesome, awesome, that's great and for everyone listening who is interested in the Jackson market, definitely be looking at your wind or hail deductibles. Oftentimes, those policies have a different deductible, which is different than the fire. So it's in a high prone area, the insurance companies say no no no, you got to pay a higher deductible for this kind of stuff. So that's great to know. Monique, tell us any final thoughts, things that people should be aware of tips, tricks, advice for folks how to be competitive in today's market or things they could do better in working with you as they're making offers?   Monique: Yeah, so I recently pulled up to see how much inventory we currently have and so right now, for Rankin County, we've got about one month's worth of inventory and then I also pulled up the rentals, and we've got about 1.9 months' worth of inventory. So almost two months, for Madison, for homes for sale, we've got about one month of inventory and then for the rentals in Madison, we've got about a month and a half worth. Hinds County, we've got two months inventory of houses for sale, and for the rentals about two and a half months and so it's still a really competitive market. There's still a lot of buyers that haven't been able to purchase anything yet. So they're still looking still have a lot of investors trying to invest here and so there's still multiple offers and so you have to make competitive offers, you know, to have a chance and so most are gonna sell for above list price right now and I would say the biggest thing that has helped me when writing offers and getting them accepted is if it's not cash, then to add an appraisal clause where you're willing to pay the difference between appraisal price and purchase price and we often cap it just so that the investor feels comfortable with it. But that has been the most successful tool and getting offers accepted and it just helps them be competitive with the cash offers that don't have those contingencies.   Michael: Okay, and so for anyone that's not familiar with what, what Monique is talking about, let's break it down. So let's say you're gonna go buy $150,000 house, and you say, okay, I'm willing and the bank with a bank loan, and the bank is going to come appraise the house, and the bank is only going to lend you 80%, say of what the value of the home is. So if the bank comes in and says, hey, actually, the house is only worth 140 grand, they're only going to give you 80% of 140 and so you've got to come up with that difference to get to that 150 purchase price. That's what you're talking about, right?   Monique: Right, right. Yeah and it's usually not much difference. Um, we're talking five to 10,000, you know, that somebody would be willing to pay the difference for so I'm not seeing your appraisals coming much lower than that. They usually come in at contract price, honestly. But it just gives that amazing set. They're gonna, yeah, yeah, yeah, exactly. But it just gives that seller the assurance that they're going to make a certain amount, and that's very appealing when there's other offers on the table.   Michael: Okay. Great to know, and how many days on market are you seeing most of the properties sit for? I mean, is it, are they getting souped up within hours of getting listed or is it a week? I mean, how fast should people be prepared to move?   Monique: I would say usually within one to two days, those houses are pending. So you know, as soon as it goes on the market, I would make the offer. Sometimes they're giving about three days. But at that point, they have so many offers to shuffle through. A lot of sellers are choosing to do it quicker than that. Just so they don't have to continue with the showings and go through so many offers. Yeah, I'd say a day or two.   Michael: Okay, so for everyone listening out there, if you're ready to move quick, have your pre approval letters, have your proof of funds ready to go and be making strong offers? That's good to know. Well, Monique, thank you so much for taking the time. If people want to learn more about you or reach out to you directly. What's the best way for them to do that?   Monique: They can email me at monique@maselle.com and it's M O N I Q U E @ maselle M A S E L L E or you can call me I have my phone with me pretty much all the time. It's 601-941-4447.   Michael: Amazing. Well, many thank you again, for sharing so much wisdom and knowledge about the Jackson market. I'm sure I'll be chatting soon.   Monique: Thanks so much for having me.   Michael: Yeah you, take care. Okay, everyone, that was our episode for today. A big thank you to Monique for coming on and dropping so much knowledge and wisdom about the Jackson market sounds super interesting and while the things are still flying off the shelves, so go get them while they're hot. As always, if you liked the episode, feel free to leave us a rating or review wherever you get your podcasts and we look forward to seeing on the next one. Happy investing…

Moms, specifically REALTOR® moms, are pros at multi-tasking. Amanda Polles, Broker-Owner in Central Mississippi, shares her experiences as a working mom and how she juggles her busy real estate business and two kids.

UNITE HERE Local 26 President Carlos Aramayo joined the America's Work Force Union Podcast and shared how his Union doubled its membership in five years and why the hotel industry has used the labor shortage as an excuse to downgrade service.     Central Mississippi Labor Council President John Smith appeared on the AWF Union Podcast and talked about the challenges of organizing in Mississippi, a So-Called “Right to Work” state. He also explained how such policies have kept wages low and forced many to seek work in other states.

Ep #233 Of The Clay Edwards Show W/ Hardy Case 1. Hardy joins me on the phone from California to discuss our monthly updates on Mississippi's Medical Marijuana bill. Hardy has been reading it in deep detail and has discovered a loophole of sorts that will allow more Mississippian's access to medical marijuana than initially thought. 2. Crazy weather heading into Central Mississippi today, I discuss that and what to expect today. Check Out The All New Www.ClayEdwardsShow.Com For All Things Clay Edwards Show Related like buying shirts, watching videos, downloading the podcast Follow Clay On Twitter, Instagram And Youtube @SaveJXN  The Clay Edwards Show Is Brought To You By: Generator Power Solutions LLC  / Lakeland Glass And Tint / Watkins Construction And Roofing / Jonesy Q BBQ Co. / Auto Armour Of Flowood / Kimberlee Haralson At Next Home Realty / Mississippi Karters Association & Drive Your Line Performance Karting / Take A Break Deliveries

Joey Deason(Executive Director - Madison County Economic Development Authority) joins the conversation to break down what it means for Mississippi now that Amazon is full swing hiring workers for their new distribution center in Central Mississippi.

A Central Mississippi icon returns to the roost as Lolly Griffen aka Lolly Dude comes to hang with the B-TEAM! Find out what brought "The Dude" home for a visit and how he almost didn't make it back due to a rough bout with Covid-19 that hospitalized him and kept him down for almost 2 months. We'll cover that and more with B-MO, "Brother" Breck and Lolly. On today's podcast: The Dude comes home for a family reunion Social Subjects The new SEC (that's South Eastern Corporation not conference) and more.. We thank our sponsor Mammoth Power Company, for more information visit them below: Facebook - Mammoth-power-company.myshopify.com | Facebook IG - Mammoth Power Co. ®️ (@mammothpowercompany) • Instagram photos and videos What's in store for you when you subscribe to the B-TEAM Podcast? Our daily podcast features what you might have missed today on B-MO in the MO'rning with "Brother" Breck Riley! Go behind the scenes bonus materials and exclusive content. Our WEEKLY features special guests, additional materials from the week, and more. Catch B-MO in the MO'rning weekdays on the 2021 Radio Station of the Year as voted by the Mississippi Association of Broadcasters, WCKK FM!. For information, to appear on the podcast or how to become a sponsor contact us at bteampodcastms@gmail.com Special thanks to BIG IRON - the score for The Mammoth Power Company spot, visit them on https://uppbeat.io/t/pecan-pie/big-iron License code: 3AH7VA3EDGXVLDBX (All rights reserved) What's in store for you when you subscribe to the B-TEAM Podcast? Our daily podcast features what you might have missed today on B-MO in the MO'rning with "Brother" Breck Riley! Go behind the scenes bonus materials and exclusive content. Our WEEKLY features special guests, additional materials from the week, and more. Catch B-MO in the MO'rning weekdays on the 2021 Radio Station of the Year as voted by the Mississippi Association of Broadcasters, WCKK FM!. For information, to appear on the podcast or how to become a sponsor contact us at bteampodcastms@gmail.com --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app --- Send in a voice message: https://anchor.fm/b-team-podcast/message Support this podcast: https://anchor.fm/b-team-podcast/support

Pam Pybas is the owner of Inspect It Like A Girl, a Certified Master Inspector, and a wealth of knowledge for homeowners and property investors. In this episode, Pam shares what she looks for during inspections, explains her rigorous process, and gives tons of tips and tricks for remote investors to keep their investments in top shape. Pam's links: Website: inspectitlikeagirl.com YouTube: www.youtube.com/c/InspectItLikeAGirlRidgeland Podcast: www.npr.org/podcasts/486075865/fix-it-101  --- Transcript Before we jump into the episode, here's a quick disclaimer about our content. The Remote Real Estate Investor podcast is for informational purposes only, and is not intended as investment advice. The views, opinions and strategies of both the hosts and the guests are their own and should not be considered as guidance from Roofstock. Make sure to always run your own numbers, make your own independent decisions and seek investment advice from licensed professionals.    Michael: Hey, everyone, welcome to another episode of The Remote Real Estate Investor. I'm Michael Albaum and today I'm joined by Pam Pybas from inspected like a girl. And Pam is going to be talking to us today about all of the things that she looks for during her investor home inspections and some things and tips and tricks that you can do as an owner, both in your own home and your investment properties to help them last even longer. So let's get into it.   Pam, thank you so much for taking the time and joining me today. I really appreciate you coming on.   Pam: Yeah, my pleasure. Thanks for the invitation.   Michael: Oh my gosh, I'm thrilled to have you here. You're a home inspector and your business is called Inspect it Like A Girl right?   Pam: That's right. Our tagline is inspected like a girl because we look better.   Michael: I love it. I love it. How long have you been? How long? Have you been inspecting homes?   Pam: I started in May of 2003. I'm in? Yeah, we're in Central Mississippi, Tri County area right around Jackson. Yes, Metro. Well, Mississippi didn't have a lot of Metropolitan. Yeah, we Yeah. Anyway, we're super smaller, tiny, teeny, tiny little state. But yeah, I'm in Central Mississippi. I'm from here. So my dad was a contractor. So that's how I got involved in it.   Michael: I was gonna ask okay, so you kind of grew up around construction and the home business.   Pam: I was cleaning job sites when I was in middle school. I was told my dad told me if I wanted dinner, I had to clean up the sawdust.   Michael: It sounds like he ran a tight ship.   Pam: He did. He did. My mom was a painter. And my brother was a finishing carpenter. So we the whole family was.   Michael: The whole family!   Pam: Mhm.   Michael: Oh, how great. Well, one of the reasons I wanted to bring you on today is just to give folks an idea about what to expect out of a home inspection. And I think a lot of things that come up in inspections really catch people off guard, and people make mountains out of molehills. So I would love if you could talk to us today about what are things that you're looking for when you go inspect a home? And what are maybe some things that sound like big things, but maybe really aren't such a big deal?   Pam: That's a great question. Um, you know, the, unfortunately, what's happened in the inspection industry is that the report sometimes is used to beat people up. And it turns into this big war over what we're going to fix and not fix. So I love that question. And especially from an investor perspective, you know, and I've been working with investors a little over 10 years now. And we actually do an investor inspection, which is, you know, my assumption is that investors know how to put the pretty on the pig. But they they're not real sure what, you know, from a general maintenance perspective, what are you going to be your big deals?   So when I'm working with investors, I'm looking at what's going to be your big ticket item. So your roof, what's your, what's the condition of that roof? How much? How much more time do you have with that roof? Now in Central Mississippi, we're going to be different than other parts of the country, because we have these things called hail storms. And   Michael: I've heard of it   Pam: Yeah, it's it's we had, we've had some catastrophic hail storms. And so you know, the condition of your roof, and you just have to remember from an investor perspective, what your insurance is going to cover and the age of that roof. So we just tried to give them, especially when we're dealing with remote folks, we take a ton of photographs, because we want to give you a really good idea of what that roof looks like. And we also we differ from some other inspectors, and that I'm trying to take as many photographs as I can because everything is digital now it's not like you're going to have a book or a thing of paper, it's going to be so we're going to take photographs of the roof all four sides, if we can get to it then we're going to give you a lot of photographs of the attic and what that looks like your access there. And so you know, because the roof could end up being a very expensive fix if you're gonna have to come in and put a new roof on you want your you know, deferred maintenance and all that.   So we're looking at the roof we're looking at you mechanicals, um, if you know how old is your heating air, we don't care much about heat here in Mississippi, we're a little bit   Michael: You've got plenty of it there.   Pam: We got plenty of the hot stuff, but your air conditioner because that's going to be a call of if a tenant gets moved in and they're not comfortable, then you're going to end up with a bunch of phone calls. So we're going to really look at that air conditioning system and how its installed. And I talk about this a lot on my own podcast is that even if you've got a newer system, if the whole system has not been maintained, you could really have some problems from putting a new system in.   So, we tried to, in our inspection, let the investor know, you know, you've got a new system in but your ductwork is old, and it looks like you're starting to get some condensation from that. So you may want to invest a little bit in sealing all that up, so that you don't end up, because I actually just did a, we do consulting work as well. And I had a client who had a tenant in a property, and you know, bless God bless them, just God bless them, all these tenants. But they're not paying attention. You know, and I tell people all the time, they're not, it's not a conspiracy against you. Because they didn't tell you something. The busy, they got kids, they got jobs they got, you know, there's a lot things there's a pandemic going on, and a lot of things going on, right.   So this tenant did not realize that there was mold in the closets, until it was catastrophic. And it was the result of an air conditioning job that got put in that wasn't done well. And so now we've got a problem that could have been fixed, you know, for a couple of $1,000 ended up costing over 80 grand to come in and do a roommate over media, I know drop jaw dropped the jaw,   Michael: Holy smokes, bringing the crane to pick up my job, the floor   Pam: Oh, it was a mess. And, you know, um, we were able to come in and work with this client and the insurance company actually paid. Guyana wrote her a check for 82 Five. Because, it wasn't the the system wasn't put in, right. And so if I could stress anything with your investors is I know property managers will do the spot checks, but what you really want to think about is getting an inspector in there on a yearly basis to make sure you don't end up with a situation where you're, you know, it's a couple $100 To get an inspector to go in there and check things like you know, water air conditioning, you know, water heaters, and, you know, so the other things we check, I don't know, somebody really needs to explain to me why we started putting our water heaters in the attic, helped me understand why somebody out that was a good idea.   Michael: I've never seen that before or heard of that happening. I don't think it's a good idea.   Pam: It's a horrible idea. And they do it a lot here in Mississippi. And one of the reasons that we get away with it in the south is because we don't have freezing temps see so we can throw the stuff or air conditioning systems in our wall. Well, what we found out was if you don't maintain that, and that water heater decides that it wants to go byebye, and then you know you got a rainstorm in your house. Right? Because I don't guarantee you that tenants not gonna go up there and check that pan to make sure there's no water in it.   Michael: No, no. And how are you supposed to exercise the pressure relief valve with it up there?   Pam: Well, then that's such Yes. How?   Michael: Interesting.   Pam: I know, I just it's just beyond me. We move in towards, you know these rental properties. Normally, you're not going to put a tankless water heater in there. That's huge here with our new construction. And Pammi even had one put in at my house built 58. About 15 years ago, I took all that crap out of my attic. And I stuck it I put my water heater tankless water heater on the outside of the house and put my air conditioning unit in a closet and we've lived happily ever after since then. But   Michael: Oh good.   Pam: Yeah, going back to the question. So we're looking at your big ticket items. So you know, your roofs, your mechanicals, your electrical. One of the things that we're seeing with our investors is that and I have a really good friend who owns a lot of investment properties in the Jackson area is she was she had to change insurance companies and she's got now she's got like four or 500 units, okay. And she for whatever reason, and we haven't dinner that the night she said yeah, we had to change insurance companies, and they made us do an inspection Have all the wiring and then they had to now something that she wasn't thinking about or anticipating as far as an expenditure, she's going to have to update all of her older panels. And drop. Yes, hello.   Now, if you've got 10 properties is a lot deeper than 400 properties, and she's not going to have to do them all. But you know, your electrical really needs to be maintained and checked, because the last thing you want is an electrical fire in a in a, you know, a rental house. So we check all that out. You don't have to bring it up to, you know, current building standards, that would be cost prohibitive. But we do need to look at some safety issues and make sure you know, things are safe, I guess. And some of these panels in these older houses have just moved beyond safe, they're just not safe anymore. So electrician needs to go in and check those breakers and make sure that they're popping off when they're supposed to, you know, when that wire overheats, we want that breaker to pop off. So we're looking at that I'm opening that panel up and checking all those wires.   And another thing, one thing that we do, and I remember the first time I saw somebody do this, it's scaring me to death. But we can take the back end of a screwdriver and pull it down, you know, and hit every one of those wires to make sure that they're in that breaker and that the breaker is on they're really, really tight. You'll be surprised how many of them are loose. But you don't need to Don't, don't go out there and do that that's willing that don't go do that, leave to the professional.   And then we're running. We're running water, you know, um, it's one of the things that we see here in Mississippi is we've got a lot of foundation issues on the slabs. And you certainly don't want to purchase a property where you've got a broken sewer line in the slab. And the way that there are some inspectors out there that do sewer scopes, I chose not to do that we work out of little mini coopers and I didn't want to put that equipment inside a car. I also don't want to pick up a toilet. You know, I'm an old lady. I don't want to do that. So you can get…   Michael: Seems reasonable.   Pam: Yeah, I mean, you know, scoping is nasty. I mean, when you scope when you pull it out.   Michael: Yeah, absolutely. It's a bit in the sewer.   Pam: I know, I'd spend the whole day vomiting if I ended it. So we gotta let somebody you know, that's why I never skimp on a plumber, because you just need a good plumber.   Michael: They're in their money.   Pam: Yeah, tell you what, now, daddy always said, shit rolls downhill. So I mean, you just don't leave that to those guys. Or ladies, I actually know some female plumbers, but um, yeah, those are, those are the things that we're going to look like look for an investment property. And then you know, other things like, we want to make sure that we've got a windows that open in bedrooms, and you don't want to have bars on the windows, those type of things that can affect your insurance, whenever you're trying to insure some of these properties. I'm trying to think if there's, you know, foundation, roof, plumbing, electrical, those are really air conditioning, those are big deals, and then we'll get into general maintenance.   So if you've got a lot of rotten wood, you need to go in and take care of it. Because it's rotten wood is like spoiled milk, you can put it back in the refrigerator is still spoil. So that rotten was not going away. You might as well go ahead and invest and getting that fixed and putting some paint on it. And you know, because it'll water you know, water is our biggest enemy of any house. So and the investor could actually think water is my biggest enemy. What do I what do I need to do to make sure that you know the property is not damaged by water? Because once you start that, if it's not rectified, it's just gonna get worse and worse.   Michael: And, Pam, one of the reasons I love being one of the co-hosts of the show is that we always joke we get to ask self serving questions. So in the interest of self service here, I have a question for you about HVAC.   Pam: Okay.   Michael: And I want to know, what are your thoughts on mini splits?   Pam: Love em!   Michael: How come? Low ducting?   Pam: Yeah, there's no yeah, the fewer the parts, the better. They're good and specific applications. The thing you got to be careful with is that if you've got a multi room, your split may not work as well, because you don't have service into you know, specific areas. So, you know, I'm, I'm kind of a nerd I read manuals on stuff. So check your, the manufacturer's specifications on a particular unit on the amount of square footage that it can cover. And then what you can expect if you put in like I've got a real open floorplan here. So I can put I could do if I wanted to do that I worked with a client on doing that in an older property. She had a sunroom that she had added. And it was it never felt right. And so we work to get her the, you know, the mini splits? What are those? Can't think of the name of, Mitsubishi. Got her a couple of mini splits.   She's Yeah, yeah, to put in that. And it really helped. She's kind of had an interesting situation because it was an older house. It's like 100 year old house, and the unit that she had put in, you know, when you start adding air conditioning to these older properties, you better be careful. Because if they're not used to it, and you don't have enough insulation, now, you've created a whole lot of problems with that as well. But I personally love them. But it's just like anything else, you really have to be careful on your application and make sure that you're using it with what the unit was intended for. Like where do you want to put it? You want to put it in rentals? Are you looking at putting it in a bonus room in your house? Or?   Michael: Yeah, thinking about putting it in my in my new primary?   Pam: Okay, yes. And like in a bonus room or something that's kind of split off from everybody else, or you want to do the whole house.   Michael: I'm thinking about doing the whole house. It's an older style Three, two, it's got thin, it's got little insulation in the wall. So I was planning on doing some some spray and insulation in there as well. And then putting a couple multi zoned mini splits.   Pam: You know what's cool about those and I haven't seen there was a guy here in town that I spent some time with that was doing those. Have you seen the ones where you hang them on the wall and their picture? It's, it's it's, yeah, it's like you can have it. It's artwork. And so it's up high. Oh, no, that's awesome.   Michael: That's really cool. I've seen the TVs that are like our artwork, but never heard of mini splits, you know?   Pam: Yeah. Yeah. And I haven't seen this guy was real into the energy efficiency and all that, you know, everything that goes with that. So I thought that is awesome. And they're pretty, you know, the newer ones are quiet. You know, all this is is the updated stuff we would have in motels. Right. Yeah. So in your situation, are you talking to them about maybe one condenser and then the two mini splits inside?   Michael: Yeah, exactly.   Pam: Yeah. That's what we did at this client's house. And she was she's, she loves it. So and if she knew I was alright. She would call me. I wouldn't know if she wasn't happy.   Michael: Yeah. Very good. Okay. Cool. Thank you so much for sharing and thanks, everyone listening for letting me borrow Pam's time here for a minute. I'm also curious to get your thoughts on what are some things that homeowners can do, either in their own homes as owner occupants or in their investment properties, whether they have a management company do it or they do it themselves, that are easy things to fix that are often looked over? Like the one thing that I'm thinking about is exercising that pressure relief valve on the on the hot water heater, right, draining the tank down, filling it up, exercising the pressure relief valve, little stuff like that Tips and Tricks you've picked up over the years that folks can do that are easy, that help extend the life of their ex mechanicals and expensive pieces of equipment.   Pam: Oh, boy, what a great question. I'm checking those GFIs popping those on and off, manufacturer of your ground fault interrupters that are in your bathrooms and kitchen says that you should test those every month. Because what will happen they're made out of plastic and they will freeze. And so you can go around and you can buy the testers or you can just use your finger and pop it on and off. Maybe   Michael: Don't you just use a fork you just stick the fork in there and then yeah, you will you know if it works.   Pam: Yeah, you could do that and curl your hair all at the same time.   Michael: Don't stick forks and electrical outlets!   Pam: Oh, arc faults nail are big. But I don't know that you would have that in a rental. But if you've got them in your personal home, the arc faults in your panels popping those on and off. We do those whenever we do an inspection. Um, I just came in and now my house is older and I redid the weather stripping on my windows and very easy fix. It was a weekend project for me. Um, my windows are older windows. So I found that that and we've been getting some colder winters down here. So I wanted to do that.   Um, I think I have my heating air equipment on a yearly maintenance. So I have them calm and it's so funny because I watch everything they did. I think that's worse. Yeah. I'm like, Okay, tell me what you're doing now. Um, so yeah, I like to know exactly what's going on. And then I'll tell you something and you can go, we've got an Inspect it Like a Girl YouTube channel, I'm in the process of really, really working on that right now.   Michael: Cool.   Pam: Something that people do not think about when it comes to indoor air quality is on an air conditioning system. Now, if you do your mini splits, you're not going to have to deal with this. But in really, for investors, too, it'd be so nice if you would pay attention to this part of the scenario. Air-conditioning works by pulling air in and pushing air out the where the place where it comes in, normally is in the wall. And that's where you would put a filter on, you know, either a monthly or three monthly, you know, three, I've got mine on about two and a half months, and I use those paper filters. What people don't pay attention to is what's behind the filter. If what is behind the filter is disgusting. Why do you have a filter? Michael: Yeah, it filters in the wrong place.   Pam: Yeah, it's just gross. And I've been inspecting for a long time now 1718 years. And I am just amazed at how many times I will go in, pull off the register on the return pull the filter down. And that is disgusting back there. And then I'll go in because we were one of the in, you know, if you're an inspector, this is an awesome idea. You open every single cabinet, and every single built in drawer, because you want to know if those hinges are work, you want to know if there's holes back there, and you're taking pictures of all of that stuff, because you can't see behind stuff. So we open everything and take photographs.   Well, I open up medicine cabinets, and there's all kinds of antihistamines and allergy medication. And if there's a baby in the house, there's all these drops, and I just My heart just breaks for that child, because the occupants have no idea that the house is making them sick. So if you could take that filter down, and look up in there, and if it's gross, get a shop vac or a vacuum cleaner, vacuum it out, now get in there with a rag and some soap. Don't use Clorox people.   Please don't use people think Clorox or water no killing them old. Well, no, you've just made a lot worse. Um, but get you some soap and water, get in there, clean the walls up, then go buy you some great stuff foam and seal all the edges so that the only air that's being pulled into your air conditioning system is coming from the return. Because if the seams where the wall hits the floor, if that's not sealed, you're pulling what I call negative air out of the wall cavity. I've seen it where it's open all the way up to the attic. So now you're not only pulling in nasty air into your air conditioning system, you're pulling attic air into your air conditioning system. So you just set it up to fail for high energy bills.   So sealing up the return is something anybody can do in there. I didn't know it. You know, I mean, I was around construction my entire life had no idea. And then when I got into inspecting houses ran into a guy who was doing this kind of stuff. So we came into my personal home. And I did that and sealed everything up. And I haven't been sick in years.   And then think about this too. And I am a write this book, there was one that came out years ago, our houses are making us sick. And I think air conditioning systems are making us sick. And it is because we're pulling in bad nasty air and distributing it in the house. So if your house is dusty, probably your return is not sealed up well. Because the dust is being redistributed because you're pulling the nastiness from the wall cavity and putting it in the house.   So seal up your return and then another thing and you know if you've watched any of any of the stuff on this pandemic, and they talk about well, when we're all going to be inside is when it's going to get worse. And then in the summertime summer months when we're all outside the numbers kind of went down. Well, what happens is in the wintertime, the flu is a viral type thing. So it's not really we share it with each other, you know, so you really share the flu more whenever whenever it's cold. But there's a higher incidence of people thinking that got the flu in the winter, well, I have a theory that is not the flu. It's carbon monoxide poisoning. Because carbon monoxide poisoning has the very same symptoms as the flu, nausea, headache. It will, diarrhea. I mean is. And if you're if your furnace is back drafting in any way, you know, you go home and you feel like shit. And then you go to work and you feel better. And you're like, Oh, I'm feeling better. And then you go back home and you feel like shit.   Michael: Oh my gosh. So what if it's that is wild.   Pam: I know when that crazy. I'm just so and I, I'll never forget when I was new, you know, a million years ago. You see his hair is real gray. Very gray.   Michael: It's a great!   Pam: Yeah, well, thank you. It's very popular. I'm a kind of a trendsetter with this gray hair.   Michael: I was gonna say yeah, ahead of the times. I love it.   Michael: Yeah, we didn't make this up. We've had this for like, How old am I? I'm 59. And I started graying when I was 30. So it's been a minute. I've had it!   Michael: Love it. Yeah. Love it.   Michael: Um, so when I was a new inspector, what will happen?   Michael: Okay.   Pam: Let me take this to the next step. So furnaces, gas furnaces. If you got too many splits, you're not going to have to worry, you're solving a lot of problems by just using your mini split. But fantastic. Yes, gas furnaces, which are awesome. I mean, they're fine. But if they don't draft right, or if it's an older unit that has a crack in the heat exchanger, then you are literally pumping carbon monoxide into the house. So in the wintertime, and it's not enough to kill you, it just makes you feel like you want to be dead. I mean, it just makes you so sick. When that furnace comes on, and it puts, and I tell everybody carbon monoxide alarms and don't get the I don't like the combo units, you know, if you've got tenants,   Michael: Okay,   Pam: What I like are the ones for carbon monoxide because carbon monoxide is heavy and it will hover and go low. So I like to have them plugged in, in the sleeping areas. And that would be something that your property manager would check on, you know, regularly make sure that they're plugged in and if they've unplugged them, you know, why did you unplug it? Well, because it kept going off. Well. Perhaps that would be something you'd need to tell me.   Pam: Yeah, it's like people taping their breakers open or shut rather because they keep popping off. popping off.   Pam: I'll fix that. Oh,   Pam: I'll fix that. Yeah. That's that's a duct tape. I'm right. Everything.   Michael: Yep, fixes everything.   Pam: So yeah. Oh, God, especially on plumbing. That's my favorite. Um,   Michael: Yes.   Pam: I was in a so when I was new, I was in this house. And it was empty and I turned on the furnace. It was in the middle. It wasn't wintertime. And when the buyer showed up, I was in the front yard puking. I mean, just vomiting and vomiting and vomiting. And I went I went back and I said don't go in the house. And when in my head was killing me and I turn the unit off and aired everything out and I felt better. And so and then, uh, you know, I went into this house one time this Pam's horror stories, and it was a tenant situation. And there were some babies involved that living there and I opened up the mechanical closet in the furnace flue wasn't even connected. I was like, How can these people…?   Michael: Oh my gosh, so is the best way to check for that kind of stuff, just simply having carbon monoxide detection? Or could there be an instance where it could be making you sick, but that's not enough to have the alarm go off?   Pam: It's Yeah, very true. That could definitely happen. So but so here's what   Michael: So what's the best way to check?   Pam: Um, well, having a having it in your bedroom would be a good idea. You can also maybe put one and I've seen this in newer construction will they'll have them next to the unit up in the attic, or they'll have one mounted in the closet. And so now with these smart houses, you can have these detectors that will tell you you know, it just shows up on your phone. Yeah, and let you know, it would probably even monitor your levels to let you know. I'm not as familiar with some of those but I always advocate I've got em in my house. Man even though my water Now is on the outside I put in a tankless gas tankless water heater, it's on the outside wall, so I don't have to worry about that. And my furnace is close to my bedroom but not in my bedroom. So which you can't do, by the way, don't put a furnace. And so that's a big no no for no water heater, it's a big gas water heater in a bedroom either. And people will remodel and they'll do that, or you can't have a bedroom next to a home. Don't have a bedroom next to a garage. You lost your mind.   Michael: Yeah.   Pam: People do it all the time.   Michael: People don't think about that kind of stuff.   Pam: They don't I mean, they don't think about it. And unfortunately, human nature is you don't think about it, too, you have a bad experience   Michael: Until it's too late.   Pam: Yep. Yeah, until it's too late. And so you know, what my job is, as an inspector is to try to give you as much information about the house so that you can maintain that house because it's an investment, it's biggest investment most of us will make. So why not? Why not maintain that. So that that your the return on your investment will be good, because, you know, you'll eventually sell that. And you would like to not have to, you know, give away the farm just because you've got so much deferred maintenance that in order to get the buyer to buy it, you've got to, you know, say well, I'll give you this much. Well, now your profits gone, because you didn't take care of it on a regular basis.   And I say this is just my motto. Now I talk about this on my podcast all the time, the best house is a frequently inspected house. So I personally have I have inspectors working for me, and I have my house inspected every four years. So I know, in my personal home, I mean, I don't just preach that I live that because I want to take care of my investments. Because eventually, you know, Pammi is gonna sell this and go to the country and throw a lawn in the pond and not worry about anything.   Michael: Yeah. That's such a good idea. And I don't know why it never occurred to me to do that before it makes so much sense.   Pam: It does. I mean, it's the worst phone call idea is the client who says, oh, yeah, it's a great house, one owner, they've been there 40 years, and I'm like oh shit, I'll be there for forever.   Michael: Never had an inspection.   Pam: Never had an inspection, Papa's come over, Hey, honey, I'll fix that for you. He was just like, man. Yeah, yeah, there's gonna be a lot going on there. So, you know, I talk, we do a general maintenance inspection. And we've actually started doing quite a few of those, you know, so people can protect that investment and take care of things. And sometimes it's because they've had a bad experience a water heater that blew up or, you know, a storm or.   And another thing I tell people to is a remodel inspection. You hire that contractor and you trust them. But human nature is you're only as good as your worst employee. So if you've got, you know, if you've got somebody that you're trying, and it's not their fault, they didn't really know. But if nobody's watching, you know, you write your last check, and they're gone. And then you get a home inspection in a couple of years, and you've got to pay to fix all the things they didn't do right.   Michael: That is such a good idea. That is such a good idea.   Pam: I'm just full of them Michael, just follow them.   Michael: I can see that. Which, which actually leads me to my next question. I mean, you're only in Central Mississippi, which is a real shame. I wish we could make carbon copies of you and have you everywhere.   Pam: Me too! I've been thinking about that for years!   Michael: Yeah, that's, that's the next great business idea. That way you can go get your line in the water tomorrow.   Pam: That's right.   Michael: And not feel guilty about it.   Pam: That's right.   Michael: How do how do people vet their home inspectors? I mean, are they all created equal? Is there a national standard? What What should people be looking out for?   Pam: No they're not created equal? Just like anybody else, you know, daddy used to always say, You know what they call the guy with the lowest grade passing grade and medical school?   Michael: What's that?   Pam: Doctor.   Michael: Yeah. That's so true. That's so true. Isn't that a scary thought?   Pam: Yeah. Um, I would and I tell I actually talked about this, you want to get online see the best your best friend is Google, or Yelp, or Angie's List? Look at those reviews. And I'm gonna go out on a limb and say something here that makes me not real popular with the real estate community, but I really don't care. Um, I'm not going to use the inspector, my realtor recommends until I vetted that inspector So, you know, because it's the fox watching the henhouse sometimes.   Michael: Yeah, yeah.   Pam: So that your inspector by looking at their credentials, you can go either to well, you just Google it, put that company in there, or just Google home inspectors in your area, and then go through and look and see what do other people who've worked with them have to say about that inspector? Or that company? Let me get rid of this. So that really is the biggest thing to me. And then you may want to look at how long have they been doing it? And what other credentials do they have? Like, right now? Well, I've got a contractor's license, I'm ICC cert International Code Conference certified is to be residential builder license. I've got I'm a member of all kinds of associations, continuing education is kind of a passion from I just love it. I love going to the you know, yeah, we're finally going to have an in person conference. But I love going to these things and sitting down and asking a lot of questions. So see if your inspector is involved in their inspector community. And also, if they're involved in a continuing education, what are they doing to and when was the last ask him, What was the last class you took?   You know, and even I do on our podcast, Fix it 101, Jeff is the contractor on there, he's, and he's Past President of Mississippi Association, or Home Builders Association. And he will say, when you get ready to hire a contractor, ask Him for who they're working with now and get their phone number. And give him a call? How was it? What was your experience? Like? How was your experience? So with the online stuff, now, you can go to Facebook, you can go to all these different things and just ask next door. I love that app. You know, when you put home inspector, you know, who would recommend a home inspector just see what they say, if people have had a good experience, then they'll let you know.   Michael: Oh, yeah.   Pam: And then I want to know how long they're going to be there. That's a really important question. And I tell people all the time, if you want a cheap inspector, we don't sell those here, we don't sell cheap inspection at Inspect it Like a Girl. You know, that's if that's what your budget calls for. And that's what you want to do, you can find somebody out there that will do do a cheap inspection. But a cheap inspection could end up costing you 1000s of dollars. So you want I want to know how long you're going to be there. On average, we are on site twice the amount of time that our competition is.   So we're spending, it takes time to run, for instance, one of the things that we do in a full home inspection on a second floor is I'll go up to the second floor, and I'm running bathtubs up to the overflow. Because guess what? A lot of times they're not connected on your own…   Michael: Right, right.   Pam: All right. So but I don't want to create a rainstorm on the first floor, that makes the sellers kind of mad whenever that happens. So   Michael: I can imagine.   Pam: Yeah, so I have to kind of watch that. And make sure I get it to overflow, and then let it run, you know, maybe two or three minutes more than I'm going to take my thermal camera, go back downstairs and shoot that gun up to where that tub is. And if I have a black spot starting to show up before it comes through the shape rock, then I know that there's a problem there that that takes time. You know, if you're going to be there 30 minutes, what are you doing?   Michael: Yeah, what could you possibly be getting done?   Pam: What could you possibly be getting done, even in a Cabbage Patch house, and that we call cabbage patch patch anywhere from you know, 900 to 1100 1300 square feet, two hours minimum, to, you know, to get all that done? And then we like to ask your inspector, what's their review process. And what I do with my out of town investors is that we do a zoom call, and I take them through the entire report. And I break my reports into repair and general maintenance. So these are some things, these could be some deferred maintenance things. These are things you probably want to take care of right now. And then do they offer what we call a repair check inspection.   So and I do that a lot with my out of town investors because if something's fix, how are you going to know? And so we'll go back and you know, and make sure that everything's done right and regenerate that report with the repairs in there with the photographs. And this is what was done. Oh, So those are a few things that you want to do when you're when you're vetting an inspector, and then just what is there? If do they offer any type of volume discount, and we do that my folks are buying a bunch of properties here, we'll help you out. I'm not gonna, you know, I still have to make a living, I still have to, you know, pay my bills, you know, but if you're going to give me a volume, like we just finished 49 houses for some out of state investors, and we gave them, you know, some discounts on that, to get all those properties done. So I'm trying to think that would be, you know, is that helpful?   Michael: That's extremely helpful. That's extremely helpful. Yeah. Because I think that's one of the issues people run into is there's so many choices, how do you know, analysis paralysis, how do you choose? So this is some really great actionable takeaways that folks can use in the field, when we're looking for folks to inspect the properties.   Pam: And 2 when your remote. Okay, so when I'm dealing with folks, they want to know, they want to make sure that that report is easy to read, they don't want to get lost in the weeds, you know, and that's been something I've worked very well. And maybe it's because I'm female, but my presentation, I want it to be easy. I want a seventh grader to be able to go through that now I can tell you exactly what's going on. So I won't, I want you to be able to read that report and have an idea. And then the repair person, I ain't got time to answer questions from a repair guy that's walking recalls, and he's on the roof. And he wants to know where the nail pop is. Probably I just don't have time to stop what I'm doing. And plus, I don't remember where the nail pop is.   Michael: Go look at the report. Yeah, picture in there.   Pam: There's a photograph with a circle around it. This, you know, so everybody's on the same page about, you know, where everything is. So when you're talking to these inspectors, you know, find out get a sample report. You know, what, what kind of reporting software are you using? And if you get one of those, and it's hard for you to read it. You know, I'm not trying to impress you with my report writing skills and make you think I'm really smart. Because I'm, I'm really not, most of this is common sense. And so I just want to put it in a way that where you can understand it, I'm not going to get real technical, and because I'm just not that smart anyway. But you want to look at the report, you know, so you can read it, and you know what's going on, especially if you're long distance.   Michael: And it's useful.   Pam: Yeah, yeah, you want it to be useful. And then you've got a point of reference. So I know, okay, I've purchased this property, then I've got this report. And then, you know, we really recommend I've been, I've been pitching this idea for a while, is annual inspections. So if we do your inspections, let's say that the 49 that we just did, and they want us to do annuals for them? Well, they've got a baseline on every single house. So let's say they get a tenant in there, that's cooking meth in the back. Well, you know, we're going to go in, and we're going to take a bunch of photographs of all this stuff. And now you can see, well, that wasn't there whenever I bought this.   Michael: Yeah.   Pam: Or the you know, the telltale signs, the you know, all the chlorine under the sink and the hole up at the top. And anyway, that type of stuff. So you just have a baseline for every property, and then you can maintain it and maintain your investment for as long as you want to have it.   Michael: So good. Pam, this has been absolutely fantastic. I want to be very respectful of your time and let you get out of here. But for for those of us for those listening, what is your podcast called? And how can folks get a hold of you if they want to utilize Inspect it Like a Girl services or have more questions about Central Mississippi?   Pam: um, the podcast is Fix it 101. And it's you can download on, you know, Spotify, Apple, whatever, any of those things. And it's run through our local Mississippi Public Broadcasting. So NPR and so you can find it that way as well. We do have a live show on Wednesdays and we've got folks listening from all over. I mean, we get we had an email from Korea. Like really?   Michael: Oh, how cool.   Pam: It was awesome. But you can listen to that. And we're talking about general maintenance stuff. It's not an inspector podcast. It's a you know, how do you maintain and we've got a contractor on there and it's DIY projects and you know, and it's actually quite funny. We have a really good time so Fix it 101.   And then you can if you've got any questions about the central area, you can reach us through our website, inspectitlikeagirl.com. We've got an Inspect it Like a Girl YouTube channel, you can email us the web, if you go to our website, it's got a, all our email information in there. And we can help you. We also have an on on a website where you can go on if you're looking at properties and put all that information in and then my office will give you a call and kind of give you an idea of scheduling and pricing. And then if you are going to buy bulk in our area, that would be something that they would then give to me and I would take a look at that. And we'd work out some pricing and scheduling all that kind of stuff.   Michael: Fantastic. Well, Pam, thank you again for taking the time. This was so wonderful, and I'm sure we'll be chatting soon.   Pam: All right, thanks, Michael.   Michael: Alright, everybody that was our episode a big big big thanks to Pam I know I had a blast. Definitely check out her website and YouTube channel Inspect it Like a Girl, or her podcast. And if you liked the episode, feel free to leave us a rating or review wherever you listen your podcasts. We look forward to seeing you on the next one. And as always, Happy investing

365 Days have passed since one of Central Mississippi's most recognizable radio personalities made the "hot tag" to his buddy Brian "B-MO" Montgomery and what a year it has been! Today B-TEAM Podcast shines a spotlight on one of our own Lolly "Dude" Griffin. From his early days running with "The Fantastics", "Dr. Death" Steve Williams and Terry Taylor to his time in Central Mississippi with "Lolly Dude Pizza" and Mornings on Kicks 96 to what he's up to today. Find out who has the Lolly Dude sauce recipe from his famous "Lolly Dude" days Wrestling stories from his days in the ring with Jake "The Snake" Roberts, Abdulla "The Butcher", The Original Sheik, "The Ultimate" Warrior, The Iron Sheik, including "how many hundred dollar bills can you stuff in your underwear and STILL referee a match Will Lolly Dude accept the head coach position at LSU These questions and more will be answered on the B TEAM Podcast --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app --- Send in a voice message: https://anchor.fm/b-team-podcast/message Support this podcast: https://anchor.fm/b-team-podcast/support

They say having too many birthday's can kill you and so can scaring the crap out of a senior citizen which how "The Babe" began her birthday! (Click the link) https://www.facebook.com/100003179833668/videos/585248229334979/ Coming up on today's B TEAM Podcast: Paleontologist head to Central Mississippi to find the oldest living fossil in the state. Reasons why we're glad we don't live in California Social Media Q & A Jon Gruden resigns and more What's in store for you when you subscribe to the B-TEAM Podcast? Our daily podcast features what you might have missed today on B-MO in the MO'rning with "Brother" Breck Riley! Go behind the scenes bonus materials and exclusive content. Our WEEKLY features special guests, additional materials from the week and more. Catch B-MO in the MO'rning weekdays on the 2021 Radio Station of the Year as voted by the Mississippi Association of Broadcasters, WCKK FM!. For information, to appear on the podcast or how to become a sponsor contact us at bteampodcastms@gmail.com --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app --- Send in a voice message: https://anchor.fm/b-team-podcast/message

From a few hundred worshippers in Central Mississippi to 5 strategic campuses across the state, the leadership of Pinelake Church will tell you there has been one constant through it all—Prayer.In the latest episode of Pastor's Leadership Podcast, Chip Henderson -- lead pastor at Pinelake -- shares some principles, practices, and strategies that have helped him and the Pinelake team lead their church family to become a House of Prayer for the Nations.This episode is a recording of a recent virtual Leadership Lunch. (To learn how you can join us on free leadership lunches throughout March, go here.) Show NotesWorthy Quote:"The best prayers start in Heaven."We pray because . . . We care about the next generation.Jesus and the early church modeled it.God can do in one moment than we can do in 50 lifetimes.God advances His kingdom through us.Mentioned Books:With Christ in the School of Prayer by Andrew MurrayThe Autobiography of George MuellerListening and Inter-Healing Prayer by Rusty RustenbachThe Unseen Realm by Michael Heiser

Myrlie Evers-Williams, an African American activist, mother, journalist, and public speaker, is known for being the first of many. She, a Vicksburg native, has gone above and beyond to impact her community in Central Mississippi and Mississippi as a whole. From working hard to push the state more towards equality, better education, and motivating people all over the US to follow their dreams. Myrlie Evers-Williams has broken many glass ceilings and inspired African Americans, young women, and future generations to keep fighting for the betterment of all people. By Zaria Cooper

The last decade has brought great strides in diabetes care. Better insulins and better technology can allow people with diabetes—both type 1 and type 2—to keep their blood sugar from rising and falling in ways that cause long-term damage to their eyesight and vascular systems. New classes of drugs for patients with type 2 diabetes have been shown to cut the risk of heart and renal failure, and more widespread use could help some patients avoid dialysis. But the good news is not felt by everyone. Amid this progress, the rate of amputations rose 50% between 2009 and 2015. African American patients lose limbs at triple the rate of other groups.  The mission of the Affordable Care Act—spend more to prevent disease and complications, and save money later—has bypassed many of these patients for one reason: they lack access to care. Fourteen states have not expanded Medicaid, including several Deep South states where diabetes and obesity rates are highest. The result of these state-level policy decisions is becoming clear. Research presented at the recent meeting of the American Diabetes Association found a 17% decrease in the risk of amputation when patients lived in states that expanded Medicaid. What’s more, the number of hospital admissions for diabetic foot ulcers plummeted in states that expanded Medicaid, while rising 21% in states that rejected expansion. None of this is news to Foluso Fakorede, MD, who treats patients at risk of limb loss in the Mississippi Delta. Fakorede spoke with The American Journal of Managed Care® about his work in Mississippi, through his practice, Cardiovascular Solutions of Central Mississippi. Read more: Diabetes Shouldn't Cost Patients Their Legs: https://www.ajmc.com/contributor/bret-weichmann/2020/01/diabetes-shouldnt-cost-patients-their-legs Understanding Diabetes Risks Can Save Your Limbs: https://www.ajmc.com/contributor/gerald-niedzwiecki/2019/12/understanding-diabetes-risks-can-save-your-limbs Heart Failure Coverage Success Seen in Medicaid Expansion States: https://www.ajmc.com/focus-of-the-week/heart-failure-coverage-success-seen-in-medicaid-expansion-states

The State Auditor's office uncovers an embezzlement scheme.Then, the U.S. Department of Justice Civil Rights Division announces an investigation of the Department of Corrections.And, the Fifth Circuit Court hears the appeal in Mississippi's six-week abortion ban.Segment 1:The State Auditor's Office in cooperation with the Hinds County District Attorney's office is uncovering what Auditor Shad White calls the largest case on record. Arrests were made on Wednesday of former Department of Human Services Director John Davis and Dr. Nancy New, owner and Director of the Mississippi Community Education Center (MCEC) and New Learning, Inc, along with four other alleged co-conspirators. Auditor White addressed the indictments at the Hinds County Courthouse Thursday. We also received comment from the U.S. Attorney's office.Segment 2:The U.S. Department of Justice announced its investigating four Mississippi prisons. The Civil Rights Division will examine conditions at Parchman Penitentiary, Southern Mississippi Correctional Institute, the Central Mississippi and Wilkinson County Correctional Facilities. Mississippi 2nd District Congressman Bennie Thompson requested the investigation after recent violence and the deaths of at least 15 inmates most of them at Parchman. He tells MPB's Michael Guidry Mississippi has a problem and he hopes the DOJ's involvement will bring some solutions. Plus, reaction from Cliff Johnson of the MacArthur Justice Center and Governor Tate Reeves.Segment 3:The Fifth Circuit Court of Appeals heard arguments Thursday in Jackson Women's Health Organization v Dobbs — a case challenging Mississippi's ban on abortion after six weeks of pregnancy. This is the first of the recent six-week abortion bans to reach a federal court of appeals. The ban was blocked by a district court last May, but the State of Mississippi appealed the decision. Hillary Schneller, an attorney with the Center for Reproductive Rights, recaps the arguments from the Fifth Circuit in Houston. See acast.com/privacy for privacy and opt-out information.

Douglas Skipworth has had an entrepreneurial heart from a young age. He began his journey in community banking and worked on earning his CPA and CFA certifications. Since then, he has been in the residential real estate industry for about 20 years and is passionate about partnering with others to develop thriving real estate businesses. He currently co-owns CrestCore Realty, which manages 2,500 properties in Memphis, TN. Along with his partner, they have built several real estate companies in brokerage, management, lending, and construction.  In this episode, he discusses his life and business, the advantages of community banks, ideal criteria for investing in a new deal, the importance of connecting with others and shares helpful advice on education for today’s world. Listen in as he shows us hows real estate and adding value to others tie it all together.  Episode Highlights: How Much It Helps Your Business If You Connect With More People Effects Of Borrowing Too Much Money For Education How Local Banks Help In Real Estate Investing Importance Of Establishing A Relationship With Local Community Banks Douglas’ Interest In Helping Certain Types Of People Via His Businesses   Connect with Douglas: Website: crestcore.com Email: Douglas@crestcore.com - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -  TRANSCRIPTION  Intro: Hey guys, this is Eden your co-host. Welcome to the show where we talk about all aspects of commercial real estate investing. Today, Don is interviewing Douglas Skipworth. Doug has been investing in real estate in the past 20 years. And today he'll cover a lot of subjects including community banks, relationships in real estate and some philosophical issues like college and financial freedom through self-educating yourself with the tools that are available to us nowadays. I want to mention, again, our new website that's forming a decent shape you can visit us at DonandEden.com. Also, remember you can always reach out to us I answer all emails personally: Hello@donandeden.com. So, let's get started guys. Lady: Welcome to the commercial real estate investing podcast with Don and Eden where we cover all aspects of real estate investing with special attention to off-market strategies. Don: All right. Hey, Douglas. Welcome to the show. Douglas: Hey, Don. Great to be here. Don: Yes, I think you deserve it because you've been doing real estate since 2001. Right? Douglas: That's correct. My partner started in 2001. And I started in real estate in 2002. Between the two of us, we're going on 20 years. Don: Wow. So, you guys have been through a lot, right? So, you started, the market was going up, then there was a bubble, and then everything changed. And then you guys probably had to make some adjustments and change business models. Now, when the markets have been going up for a few good years. Douglas: Yeah, it's so funny, because I don't know when you always talk about the good old days. I don't know if the good old days were when things were running up, or the good old days, because we were, you know, we were buying and refinancing and things were great or when things kind of went bust, because that was a huge opportunity for us personally to add to our portfolio as other investors busted in community banks had deals to give away and then rates have been so low for the past 10 years that that's been a good time. So, if you kind of look back at the past 20 years it has been the good old days. Don: Yeah, I don't know who said it. I'm pretty sure it's Warren Buffett. "When there's blood on the street, buy real estate." Douglas: So true. Don: Yeah. So, tell us about the early stages of your career. How did you get started? What did you do? How did you even hear about real estate? And what were your goals at the time? Douglas: Great question. After college, I knew I wanted to start a business. So I kind of jumped into commercial banking and accounting, got my CPA and my CFA certifications to learn all I could about business and then I was working in New York City at the time and I had an opportunity to come to Memphis to work with an owner-operator of a real estate business when he was ginning up a tech company. It was kind of like a proprietary Zillow back in the early 2000s. It was a great chance for me to get on the owner-operator side of the business because I kind of knew from my first few years I wanted to be a business owner. So, I just kind of jumped in real estate tech and was learning a lot about real estate and I moved into a neighborhood and bumped into a guy who was a jogger. So, he and I started jogging together. He was in manufacturing, managing plants across the country mechanical engineer by training and he had in high school, a mentor who owned real estate and so he was building wealth through real estate while working his full-time corporate job. And I was working in real estate on a data in business side working with realtors and appraisers on the residential side. So, we had a lot of commonalities, shared some interest, but he kind of told me about what he was doing with his investing portfolio of properties, both multifamily and single-family, I got interested. So, I started doing the same thing on my own. And we would jog together and share war stories and share best practices and really developed a friendship and almost a partnership. So, we decided we wanted to try and do a deal together that neither of us had done. So, to kind of share the risk. We ended up doing a tax sale because we had never bought a tax sale, either of us. And so, we just kind of shared the risk on that and it went well. Then we shared the risk on another one and another one and then we bought a little portfolio together and then we bought a few more together then we started doing some third party management together and fast forward to today we've got several hundred units together, we manage several thousand units together, we've got a brokerage and property management and maintenance company would do some hard money lending. So, we've enjoyed our friendship and business relationship. Don: That's truly amazing. I mean, I think, you know, going on a jog, and then meeting your future business partner that you're going to do so many things with, it's just outstanding. And that's why people always say that when you are trying to get into real estate, then you should always say that this is what you're doing to people. Because people are going to tell you something back and they're going to tell you, hey, you should talk to this guy or I've heard about somebody who does that does this and then you get ideas. So, you always gotta talk to people. And that's a great example of how talking to people, getting to know them, listening to them, changes your life in a good way. Douglas: That's a great point. Especially I was laughing about This was somebody the other day, because when I was working in banking when I was working in accounting when I was working in real estate technology, I would tell people that and nobody seemed interested or knew what to talk about. But as soon as I started investing in residential and small multifamily properties, and I would mention that everybody had either thought of it or had a friend or a family member who had been an investor at one time, or were thinking about doing it themselves or just buying a house. So, to your point, it just opens up a wealth of conversations and connections, that being a real estate investor and talking about it highly encourage people to do that. Don: Definitely. Now, there's another thing that I want to talk to you about because I just had this conversation with my friend and you just mentioned it that you went to college back in '01 he said, right? Douglas: I wish and I graduated in '96. So, I'm a little older than that. Don: Yeah, so a little bit older. So, this is exactly the time where you're growing up, I believe. I don't know how old you are. If you want to share it. Douglas: I'll be 46 in two weeks. Don: 46. Happy birthday! Here's my question. So, you are growing up at the times where your parents must have told you for the people that were close to you to go to college, right? Get a degree if you want to be successful in life, right? Now, my generation, I'm 30 years old, and I never went to college. So... Douglas: Awesome.  Don: I've been investing in real estate since I'm 23 years old. My background is kind of different because I wasn't growing up in an environment that tells me that I have to go to college because we had the internet so we could hear other people talking. And so, there is the age of information where you could get a book for 10 bucks so you can listen to a podcast for free, right and get all the education you need. So, my question to you, would you recommend going to college in modern times or just jumping right in and just getting an education from a different source? Douglas: If you're entrepreneurial enough, and you have a plan and you have a determination, then yeah, you can do it on your own. There is a lifelong learning component that podcasts, books, resources now are at our fingertips as well. Well, it's just meeting people's mentors and connections. So clearly have learned more since I've been at a school then I learned in school. But for the right person, so for example, I got a master's in accounting. When I was out of school, I worked full time went to school at night, and I got scholarships and the company paid a little bit. So, to get that degree to get that knowledge and earned that credential at a private university cost me $2,000 of my hard-earned money. All the rest of that money came from somewhere else, which was, which was a good lesson that I learned how to do real estate as well. You don't have to go out and spend all your hard-earned money and borrow. There're ways if you can get creative, you use other people's money. So, what I wouldn't suggest for 99.9% of the people is to go borrow $70,000 a year to get an education, an undergraduate... Don: Exactly what I see. I mean, I see the age doing that. And I'm thinking you guys are taking debt for so long and you're also investing time. So, you're taking debt and investing time and I don't like doing one of them. I don't like investing my time for a long term period when I don't know if it's going to bear any fruits. And when you invest your time and your money, it kind of sets you back so much. Douglas: It's applicable in this because education is so important, whether you're learning through podcasts or books. Yeah, one of my mentors, he owns 5200 unit multi-family, mostly low income that they do a phenomenal job across the Southeast. And he told me many years ago, "Never borrow unless you're borrowing against an income-producing asset." That's where I was like, man, I can't borrow to go to school' I can't borrow for a car. I got to borrow against an income-producing asset, whether it's a business or a real estate piece of property. So that's a valuable lesson that a super successful multifamily investor gave me 20 years ago and I've never forgotten. So, very much on point to not borrow for that education, not borrow significantly for that education. Because it's going to put you back. Don: Yeah, I agree. And I think what I'm going to do, you just gave me an idea. I'm just going to record an episode later on that will talk about that subject specifically. I want to get back to borrowing money because I know you have a way of borrowing money. You're borrowing money from community banks. Douglas: Yes. Don: So, tell us a little bit about that. I know it's different now, you can make things happen when you work with the community bank. Douglas: Yeah, so we've worked with community banks since 2001. Part of the reason we like working with, some of the benefits is their local that you can go to church with them, to school, kids playing on sports teams, living in the same neighborhood. So, there's more of a story relationship aspect, and then there's also the local component to it. So, they're going to work with you and get behind you and understand that and then they're going to be a lot more interested in that relationship and kind of support you. They can't do as big a deal. They got lending limits, but they also have access to other local investors and kind of keep you in mind. So, for us, it's just been a great relationship. The Real coup for us was when the bad times hit for other investors and those banks had property, they were taken back. And they were looking to get it off of their balance sheet because they did not want to own real estate. And they didn't give it away. But there they created a win-win. It was kind of a "your price, my terms" situation, whereas they would say, "Hey, we want it at this price. We need to get it off at this price." And we say, "Okay, these are our terms." And if they said, "Hey, here, the terms we need," then we'd say, "Well, this is the price that we need." And we picked up hundreds of units during that '08 to 2014 probably working with community banks and borrowing and all the money from them on those deals. Don: Yeah, that's amazing. I know, multifamily was doing pretty well in '08 relatively. So, it's very smart to buy them at that time. I wish I was investing in real estate at that time, life would have been different. So, I want to ask you about your relationship with this bank. So, when you establish your relationship with the community bank, how do you do that? So how do you choose the bank? Is it more personal? Are they looking into your financials in a more personal way, not as strict of a guideline is what I'm asking. Douglas: There's no doubt to have guidelines. But you're right. It is a relationship. If someone were to look for a relationship with a community bank in their location, start with friends, family, mentors, anybody who knows somebody who was either sympathetic to you personally some way or to the real estate property investing or learning on real estate. So that's how we've established those relationships. There are plenty of local community banks that don't want to have anything to do with what we're doing. They don't like lending on real estate, they've got too much real estate, whatever. But some lots are in it's through those relationships where you develop a business strategic partnership with the banks. Don: Would you say that these loans are typically more expensive than what you would get with a regular loan? Douglas: So, for us, we kind of looked at loans and there's the traditional mortgage market where you can price things pretty cheap, but you got to have good credit. And then there's the community bank. And there are private loans. There's hard money lending. So, there are several different routes. Community bank financing is pretty cheap. It's got some strings attached, because they want you to jump through some hoops more so than a private lender would, more so than a hard money lender would. It will be things they're going to review past couple years of tax returns, they might run a credit check on you, they're going to ask for you sign a personal guarantee. So, they're going to be some things that some other lenders aren't going to have. But again, they're going to look out for you and they're going to keep you in mind when they're talking to other investors. Other investors want to get out of deals, they're going to say, "Hey, we're going to talk to Don and Eden they're doing this'' or "sell your properties to Don Eden, and we'll finance it" where they can just assume your mortgage or assume your loan. So, we've done that with banks and through relationships, which is a lot harder to do with national lenders as you know. Don: They lend for properties that are in their area, or they could lend for properties anywhere in the US? Douglas: Primarily they'll lend to either properties that are in their area or borrowers that are domiciled or headquartered or located in the area. Don: Yeah. Douglas: So, they will do deals outside of the state if it's somebody they know locally. Don: Yeah, that's very interesting. Yeah Douglas: It's great. And it becomes a network and they become part of your network, and they become one of your strategic partners. And you can develop relationships with multiple community banks and work with all of them. And it's a great mutually beneficial relationship. Don: Terrific. Yeah, I think that's critical information for somebody who's listening to that show. And they want to get a loan for a property that they want to buy and they don't know who to talk to. I guess that's just an option that you got to consider. Go talk to your community bank, establish a relationship and get to know the people there because real estate is a long play. You do something where you plant seeds right now, and you wait for the seeds to sprout in the future. So, I guess that's one seed that you got to plant right? The community. Got to go and talk to people when you want to do deals. Douglas: It's been everything from helping you find new deals to financing deals to providing opportunities for other lines of business. So, they can help you finance because you built up a track record with them and they understand who you are and how you operate. So, they become a champion for you within their organization and the community. I couldn't recommend it highly enough. It's been one of the keys to the foundation of our real estate business. You've got deals, financing, and management when it comes to investing and finding deals, financing or paying for those deals and then manage them after the fact. So that financing piece is huge, whether it's your cash or somebody else's cash. Most real estate investors use somebody else's cash. So, a community bank is a great option. Don: Awesome. You manage over 3000 units and you also invest in real estate. So, you bought together with your partner over 800 units and you haven't had any money partners or equity partner so you've done this by yourself, complete with both of your hands. And that's amazing. I gotta say, I host a lot of people here on the show. Most of the people that try to syndicate, try to get to raise funds, and then buy their deals. You've been investing for better of two decades right now, and you've been doing that on your own. But I want to ask you if you've been investing in real estate and creating your wealth, why do you still want to do property management? Is it because of your investments? Or is it just because that's your core business? Douglas: Probably all of the above. And we feel like part of what we're here to do is to serve people profitably, you know, so we're in business to serve. Because we have our rental properties, we have to do property management, and we'd like to have our rental properties for the duration. So, we need to do property management and then managing properties for others is a skill that we have developed so we can get paid for it, we can get better at it and we can use it to serve others. So, it's kind of a mutually virtuous cycle of things going around where we get better, it helps us manage our properties better but helps us serve our clients better. So... Don: Win-win-win-win-win. That's many things in real estate. Douglas: Absolutely all the way around. And that's why we've expanded to Jackson, Tennessee, and Dyersburg, Tennessee and you know, hopes to expand into Eastern Arkansas, Central Arkansas, North Mississippi, Central Mississippi over time because it benefits all of us to do that. Don: It's what I like about real estate that you could find so many things to do in real estate that creates a win-win-win-win in different types of businesses. It's not the way that it is in real estate. You can create a business that creates wealth for you, that helps you with taxes that appreciate that cash flows, and that is being managed by you as another business. It's just amazing. So, we've been doing all that. It leads me to ask you, what would be the criteria for buying a new deal? Douglas: We've kind of bootstrapped it on our own. So, we're limited because we don't have equity partners and we don't syndicate. We usually have to have the financing in place. So that's assuming a loan, or some type of owner financing, or working directly with a bank that can provide the purchase money. We're super limited on what we do, which just leads to more deals for everybody else clients and that's great, but we're super selective at this at least we have been for the past 20 years we look forward to someday where we can just go out bad things all cash and not worry about it. But so, we're selected looking for different things, whether it's a single-family home, small multifamily or small commercial building. The recent thing we bought a property management company and bought the building. So, we're now an owner occupant of our office in that building. So that's a great win-win. Don: You buy the tenant and the building and you're the owner of both. Douglas: Exactly. So that's the most recent that was a month and a half ago. So that's been great. Don: You've been working with your partner surely but slowly, right? You've been managing properties, investing, buying them one by one with your money, creating long-term wealth, going to stay in your family forever. What would be the next step? Douglas: One thing we've been very fortunate on it's just building and surround yourself with some great people and building a good team. We've got folks who help run the businesses and operate the day today. And that's been awesome for us. So, continuing to develop those folks and grow opportunities for them as well as for ourselves. So, with the businesses we have now, which are really real estate services, brokerage, property management, maintenance, like said financing, then we have some business services, we provide some virtual assistants and some business back end support to our businesses and a few others. Just growing those real estate service lines and business service lines in this geographic area is our next focus personally for the next five years. Don: Awesome. So, what kind of areas are you guys going to focus on it in case anybody wants a property manager or wants to consult with you on a few things that have to do with real estate? Douglas: Yeah, so we help folks like ourselves, people who are wanting to build wealth, people who are wanting financial freedom, people who are looking to create an income or buy something to pay it down over time in resident real estate, small commercial real estate, multifamily real estate in kind of this MidSouth Mississippi, Tennessee Arkansas area around Memphis, Little Rock, Jackson, Mississippi. So, anything related to that brokerage, property management, maintenance, construction, lending, helping people fix and flip, helping people bridge loans into a long term loan. And then we provide virtual assistant services for folks who are doing real estate services, whether it's just somebody operating on their own or a brokerage or property management company, we're happy to help that because we've got a lot of experience. We got about 120 virtual assistants right now in the Philippines that work for 18 companies. Again, we feel our calling is to help people succeed through business and real estate. That's what we're trying to do and we're trying to help other people do it too. Don: Try and make an impact when you’re already wealthy. That's the next thing is to try to make an impact and help other people and that's truly a remarkable goal. So, what would be the best way to contact you Doug in case anybody wants to get in touch? Douglas: I love to talk to anybody. Easy to send me an email at Douglas@crestcore.com or find me on LinkedIn or find me on BiggerPockets. Those are probably the three best ways to get in touch. Don: Right. So, I want to thank you very much for being on the show today, Doug. Douglas: Love that, Don. Thanks for having me. Lady: Thanks for listening to the Real Estate Investing podcast with Don and Eden. Stay tuned for more episodes. Till next time!

Episode 39 Mississippi Meat Market Bust August 7th 2019 Charlotte Cuthbertson with The Epoch Times joins Jay to discuss the recent ICE raid at 7 meat market plants in Central Mississippi that resulted in 680 arrests and employers in hot water. The worst violators were two processing plants owned by the same man, a Chinese national with a California address. For decades immigration reform has been a hot political topic.  One aspect of illegal immigration is the employer skirting federal and state laws to hire the illegal workers.  The immigration topic often revolves around the humans trying to seek a better life, but a firm Trump Administration stance could start to put pressure on the source of jobs for illegal aliens. Charlotte and Jay discuss the recent bust and the role of employers in the immigration reform debate. Article: Mississippi Ice Sting Video: ICE Press Conference Charlotte Cuthbertson on Twitter @charlottecuthbo Email Feedback to theconservativehippiepodcast@gmail.com Sponsors: SmokinJs.com … Use Code HIPPIE for 15% off Your Order ME! StonerHoroScope.com The post Mississippi Meat Market Bust with Charlotte Cuthbertson appeared first on Conservative Hippie Podcast.

If you have been involved with golf in the State of Mississippi much at all over the past 20 years, I would suspect that you have met or know of Margo Coleman. She served as the Executive Director of the Mississippi Golf Association for almost 20 years and has recently transitioned into the role of Executive Director of the First Tee of Central Mississippi. We were super excited to get Margo on the podcast and she did not disappoint.

Here are some sample questions a home inspector should be prepared to answer: How much do you charge? What exactly do you look for? How long will the inspection last?   When most buyers think about questions to ask a home inspector, it’s usually about things before they hire them. Real Estate professional Bill Gassett  wrote an article titled “Questions to Ask The Home Inspector After The Inspection is Completed”. Today on Open Mic - Charles and I will answer Bill’s 5 questions, we’ll discuss a few of our favorite threads posted on our Open Group and we’ll hope to share information to help you grow your home inspection business. Today’s Podcast is sponsored by The Drone University -  Whether you’re new to drones or a seasoned pilot, they can help you fly safe, fly right & make your business soar! Visit them at www.TheDroneU.com. We mentioned Inspection World in our show. Here’s a link to the event: https://www.inspectionworld.com/ Find Charles Buell in Seattle Washington:  www.buellinspections.com Find Gary Smith in Central Mississippi: www.garynsmith.net JOIN The Professional Home Inspector GROUP on Facebook: https://www.facebook.com/groups/ProfessionalHomeInspectors/ Please follow our YouTube Channel and never miss our helpful videos and free unbranded content: https://www.youtube.com/user/todayshomeinspector

On today's show: The state Public Service Commission is investigating cell phone carriers in an effort to get all hands on deck to fight robocalls. On Everyday Tech, find out how you can recycle your gadgets. Then, we'll hear about a Mississippi program helping some low-income families feed their children after school. Guests include: Brandon Presley - Chair, Public Service Commission - Democrat Dave Miller - C-Spire Everyday Tech - Wiltz Cutrer, Jeremy Thompson Crystal Fitzsimons - Food Research and Action Center Ron Thornton - Boys and Girls Club of Central Mississippi