Podcasts about Estonia

Don't know left from right? North from south? Estonia from Moldova? We asked our listeners what they feel they should have learned a long time ago but still get tripped up by as adults. Amy and Margaret discuss: Couples Jeopardy The secret to using a tape gun The Red Wedding We love the sponsors that make this show possible! You can always find all the special deals and codes for all our current sponsors on our website: https://www.whatfreshhellpodcast.com/p/promo-codes/ Learn more about your ad choices. Visit megaphone.fm/adchoices

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The average life expectancy of Americans is shrinking at an alarming rate. Between 2019 and 2021, a staggering 2.7 years has been shaved off, leaving the revised figure at 76.1 years - the lowest it's been in more than two decades. It also sees the U.S. rank 46th in the global life expectancy charts, behind Estonia and just a nose ahead of Panama. Paul Connolly is joined by John Burn Murdoch, Mary Pat Campbell and Dr Nick Mark to discuss why, on average, citizens of the world's richest country are dying so young.

Samantha Smith is a multi-sport athlete. She does freestyle, alpine, and nordic skiing, runs cross country, plays soccer, hikes, and mountain bikes. She lives seven months of the year in Boise, Idaho and five months in Sun Valley, splitting time between Boise High School and Community School. This set up allows her to pursue her two main sports -- soccer and skiing. And what makes Sammy unique is that she is top level in both these sports! She is a member of the U.S. cross-country skiing development team and a member of the U twenty U.S. National Team soccer pool. This past year she had World Cup experiences in both soccer and skiing. She played in the U17 soccer World Cup in India (where she scored two goals). Sammy also skied Period 4 of the Nordic World Cup in Norway, Sweden, Estonia, and Finland. In those 2023 World Cup races, which took place between March 11th and 26th, she earned two top thirty finishes. When she's not competing, you can find her in the outdoors with her family and golden retriever. Join Hear Her Sports Patreon https://www.patreon.com/hearhersports Find all episodes http://www.hearhersports.com/ Find Hear Her Sports on all social @hearhersports Find Sammy Smith on IG at https://www.instagram.com/samanthasmith__7/ Learn more about your ad choices. Visit megaphone.fm/adchoices

As we see an increasing number of culturally diverse patients in our US-based practices or on the mission field, our understanding of cultural influences in healthcare and our own biases is essential. How can we develop an eye to see where a patient’s values and worldview may differ from our own? We will review an approach to cultural humility highlighted by medical missions case studies. Presentation Slides: https://bit.ly/gmhc2022_davidnarita_culturalhumility

Who will qualify from Semi-Final 2 of Eurovision 2023? We predict the Top 10 who will advance out the sixteen acts that will compete at the second Semi-Final on May 11th. The Semi-Final 2 countries are: Denmark, Armenia, Romania, Estonia, Belgium, Cyprus, Iceland, Greece, Poland, Slovenia, Georgia, San Marino, Austria, Albania, Lithuania and Australia.

Kuldar Kaljuste is a national missionary in Tallinn, Estonia. He and his wife Margaret joined Josiah Venture in September 2009. God gave Kuldar a vision to reach young people in his country, and then responded to God's calling and moved to the university city of Tartu to reach the lost through training young leaders in a soccer ministry. As of fall 2014, God has called their family back to Tallinn to lead the Josiah Venture Tallinn team and be part of a new local church plant. Kuldar and Margaret have two sons, Albert and Samuel, and two daughters, Matilda and Helmi. As a family, they want to be a part of the movement of God among the youth of Eastern Europe and desire to lead the next generation to Christ. Learn more about Josiah Venture Website: ⁠⁠www.josiahventure.com⁠⁠ Social Media: ⁠⁠@josiahventure⁠⁠ Contact: social@josiahventure.com ⁠⁠Josiah Venture Prayer Room⁠⁠ ⁠⁠Josiah Venture Prayer Room APP

A Southland farmer's had to dig deep and exceptionally straight to win a ploughing contest that will see him represent NZ at the world champs in Estonia next year. Riversdale crop farmer Mark Dillon won the conventional section of the national champs, ploughing two different plots, while racing the clock. Now there's the pressing question of how he gets his tricked out tractor and rig, halfway round the world for the big leagues. But first Mark explains what makes a champion ploughman.

The wars in Iraq and Afghanistan may be over (for now) but that doesn't leave us in a world without conflict. While we were hip-deep in the Global War on Terror, major great power competitors have been nursing grievances and feeling rising ambitions and opportunities. In this episode, Jim takes a detailed look at the state of play with respect to Russia and China, and how that could affect the US as a nation, and us as individual citizens.   While neither of our great power opponents would benefit from a shooting war with the United States at this point in time, Jim points out that they are both conducting war by other means; the struggles are already underway. Whether by economic means, attempts to control raw material sources, or meddling with public opinion via social media channels, it's important to be aware of these methods. Listen to this episode to have it all laid out.   Links: War Without Rules by Robert Spalding War with Russia by Sr Richard Shirreff US National Security Strategy   Find us on social media (Facebook/Twitter/Instagram/YouTube) @TacTangents You can join the conversation in our Facebook Discussion Group. Find all of our episodes, articles, some reading list ideas, and more on our website www.tacticaltangents.com   Like what we're doing? Head over to Patreon and give us a buck for each new episode. You can also make a one-time contribution at GoFundMe.  Intro music credit Bensound.com

Francisco Martinez es un antropólogo español que se dedica a los estudios de cultura material, los métodos creativos de investigación y el diseño social. Por ejemplo, usa exposiciones como trabajo de campo, involucrando artistas y diseñadores en sus etnografías colaborativas. En esta entrevista nos cuenta sobre sus experimentos etnógráficos, uno estudiando lo que la gente guarda en los sótanos en la frontera entre Estonia y Rusia. También nos cuenta sobre la creación de una maestría en diseño social en Estonia. Esta entrevista es parte de las listas: Antropología y diseño, España y diseño e investigación y diseño. Las listas son una manera de entender el contenido de este podcast. Y a la vez que les sea más fácil navegar entre los más de 400 episodios. Las listas las encuentran en la sección recomendados de nuestra página web.

Considering the day of the week and the names of the constructors -- Malaika Handa and Erik Agard -- it was not surprising that the cohosts  had to dig for pretty much every clue:  from 49A, Where the first five counting numbers are "üks kaks kolm neli viis", ESTONIA, to 50D, Man known for his morals, AESOP, to 56A, Lead in to MAIL or BOX, VOICE, it was a major slogfest, but they are not complaining in the least!Want to see the entire crossword, solved? Here you go!Contact Info:We love listener mail! Drop us a line, crosswordpodcast@icloud.com.Also, we're on FaceBook, so feel free to drop by there and strike up a conversation!

https://thecommunists.org/2023/03/26/news/west-imperialism-leverage-estonia-against-russia-ukraine/

The guys check in for a quick update on the World Mixed Doubles and World Senior Championships in Korea. Kevin talks about an impressive showing from Estonia (6:20) and an update on Canada's Jennifer Jones and Brett Laing (7:20). They discuss how to watch the mixed doubles games via Recast (8:30), Warren gives his take on the mixed doubles round robin (10:00), then they get into the World Senior Championship and the pub at the Senior's rink (13:30), and they wrap things up with their predictions for the finals of the mixed doubles (15:20).This podcast is produced by Warren Hansen & Kevin Martin, recorded and mixed by Mike Rogerson, and hosted by Kevin Martin, Warren Hansen and Jim Jerome.Contact the podcast -- insidecurling@gmail.comThe views and opinions expressed in this podcast are those of the hosts and guests and do not necessarily reflect the position of Rogers Sports & Media or any affiliates.

A Historical Look at Estonia's Accession to the EU & NATO with Profesor Andres Kasekamp.

Like the prophet Elijah in the Old Testament, many times we as followers of Jesus who seek to make His name known, find ourselves crying out to God “I have had enough Lord”. Learning how to find God in our trials and to trust His loving faithfulness to refine us is a necessary part of our journey. Though sometimes difficult to share openly, the failures, disappointments, and hard times are important in the life of a global worker. Most often, just as in Elijah’s life in I Kings 19, the beauty and majesty and power of God meet us in these times. Sharing from her personal journey in medical missions as a general surgeon in the Middle East and in Kenya, Dr. Carol Spears will explore ways from scripture to find hope and beauty in the desert experiences of missionary service. The scripture is I Kings 19

Since March 2020, Ivor has dedicated his problem-solving, analytical and biochemical expertise to deep and revealing analysis of the Covid19 pandemic situation. =========================================================================== Activation Products + my other Services & Donations https://www.awakeningpodcast.org/store/ =========================================================================== About my Guest: Ivor Cummins BE(Chem) CEng MIEI PMP completed a Biochemical Engineering degree in 1990. He has since spent over 25 years in corporate technical leadership and management positions. His career specialty has been leading large worldwide teams in complex problem-solving activity. His uniquely powerful ability has been to rapidly resolve complex multifactorial issues, involving all branches of science and technology – there has been no field which he could not integrate into successful and rapid resolution. In 2015 he was shortlisted in the top six of around 500 applicants for Chartered Engineer status that year, and also completed a Stanford certificate in technical innovation and entrepreneurial management. Since 2012 Ivor has been intensively researching the root causes of modern chronic disease. A particular focus has been on cardiovascular disease, diabetes and obesity. He shares his research insights at public speaking engagements around the world, revealing the key nutritional and lifestyle interventions which will deliver excellent health and personal productivity. He has presented on heart disease primary root causes at the British Association of Cardiovascular Prevention and Rehabilitation (BACPR) in London. He has also debated Irish Professors of Medicine on stage, at the annual conference of the Irish National Institute of Preventative Cardiology (NIPC). Over the past decade he has captivated audiences all over the world – in USA, UK, Ireland, Estonia, Israel, Switzerland etc. Since March 2020, Ivor has dedicated his problem-solving, analytical and biochemical expertise to deep and revealing analysis of the Covid19 pandemic situation. Ivor's 2018 book “Eat Rich, Live Long” (co-authored with preventative medicine expert Jeffry Gerber MD, FAAFP), details the conclusions of their shared research: His public lectures and interviews are available on YouTube, where he has >200,000 subscribers and 16 million views have been recorded to date: Ivor lives in Dublin, Ireland, with his wife and five children. What we Discussed: - How he started to start his investigation journal - Why Covid was a Flu - The Simulation proving that this was all organised - The New York Times attack - Censorship - Mask Uselessness - The spread of Influenza - The Spanish Flu - No Media attention as Ivor can prove all the information that he claims - Sweden has lowest morality compared to other Northern countries. - The Mandates with the MRNA jab and side effects - Controlled Opposition - Always know the truth - His launch of metabolic Duo - Why he called his Podcast 'The Fat Emperor and more How to Contact Ivor: Most of Ivor's material is readily accessible via his rapidly growing website: https://thefatemperor.com/ https://www.youtube.com/channel/UCPn4FsiQP15nudug9FDhluA. Book - https://www.amazon.com/Eat-Rich-Live-Long-Mastering/dp/1628602732/ Movie mentioned in the Interview https://covidchroniclesmovie.com/ https://metabolicduo.com/ ================================ More about the Awakening Podcast Store https://www.awakeningpodcast.org/store/ Donations https://www.awakeningpodcast.org/support/ All Podcasts + Coaching and Social Media https://bio.link/podcaster https://awakeningpodcast.org/

Welcome to The Nonlinear Library, where we use Text-to-Speech software to convert the best writing from the Rationalist and EA communities into audio. This is: EAGxNordics Unofficial Review Thread, published by Robert Praas on April 25, 2023 on The Effective Altruism Forum. I am usually really curious to get a taste of the overall atmosphere and insights gained from EAGs or EAGx events that I don't attend. These gatherings, which host hundreds or even thousands of Effective Altruists, serve as valuable opportunities to exchange knowledge and potentially offer a snapshot of the most pressing EA themes and current projects. I attended EAGxNordics and, as a student, I will share my observations in a bullet-point format. Thank you Adash H-Moller for great comments and suggestions. Other attendees are very welcome to add their experiences / challenge these perspectives in the comments: Lessons learned: The majority of the participants seemed to have come from (obviously) Sweden, Norway, Finland, Estonia, Denmark and The Netherlands. Small countries with relatively tight EA communities. I was particularly impressed with the line-up of speakers from non-EA-labeled think tanks and institutes - I think it provides a strong benefit, especially to those EAs who are quite familiar with EA but would not find out about these adjacent initiatives. It also serves to reduce the extent to which we're in our own bubble. I talked to numerous participants of the Future Academy - who all learned about EA through that program. They shared great experiences in policy, entrepreneurship and education (from before they knew about EA) and I think they are a great addition to the community. Attendees can be more ambitious: Both in their conference experience and in their approach to EA. I spoke to too many students who had

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As a travel agent, Gary Loupassakis  has inspired his clients to travel the globe. And in his new book, Go Dat Way and Go Dere: Around the World in 50 Years, he details some of his many experiences and stories.After offering some travel tips, Gary tells of his favorite flight, on the supersonic Concorde. He and Lea talk of culture, traditions  and tourist attractions in countries including Australia, Switzerland, South Africa, Greece, Romania, Turkey, Bulgaria, Estonia, Latvia and Lithuania. They share funny/scary stories of a trip into the Peruvian Amazon on a basic old boat. And remembering trips to Russia, China, Myanmar and Ukraine, they remind us to not wait too long to visit countries, until it's unsafe to go.Gary ends with a list of countries he's still like to visit!_____Gary Loupassakis has been a travel agent since 1967, and has extensively traveled to sixty-five countries on six continents over the past 50 years. Go Dat Way and Go Dere: Around the World in Fifty Years is his first book. For more information, please visit https//:godatwayandgodere.com. _____Podcast host Lea Lane blogs at forbes.com, has traveled to over 100 countries, and  has written nine books, including the award-winning Places I Remember  (Kirkus Reviews star rating, and  'one of the top 100 Indie books' of  the year). She has contributed to many guidebooks and has written thousands of travel articles. Contact Lea- she loves hearing from you!  @lealane on Twitter; PlacesIRememberLeaLane on Insta; Places I Remember with Lea Lane on Facebook; Website: placesirememberlealane.com.  New episodes drop every other Tuesday, wherever you listen. Please consider sharing, following, rating and reviewing this award-winning travel podcast. 

Grandpa told me to save money and buy a fixer-upper. What about paying off my mortgage ASAP? Learn why I rejected it all. Changing attitudes towards debt and savings began with high inflation in the 1970s.  I compare global home prices and their changes since 2010.  Projects for $300K starter homes are going extinct in America. Keith Weinhold and Naresh Vissa describe the upcoming webinar for new-build properties in Florida—single-family homes up to fourplexes.  It will offer incentives that are even better than the 2% closing cost cash and two years of free property management. Join next week's Florida properties live event at: GREwebinars.com Resources mentioned: Show Notes: www.GetRichEducation.com/446 Sign up for our Florida webinar next week: www.GREwebinars.com World Housing Prices Since 2010: https://www.visualcapitalist.com/cp/mapped-global-housing-prices-since-2010/ $300K Starter Homes Going Extinct: https://finance-yahoo-com.cdn.ampproject.org/c/s/finance.yahoo.com/amphtml/news/300-000-starter-home-going-151338810.html Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Find cash-flowing Jacksonville property at: www.JWBrealestate.com/GRE Will you please leave a review for the show? I'd be grateful. Search “how to leave an Apple Podcasts review”  Top Properties & Providers: GREmarketplace.com Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free—text ‘GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Keith's personal Instagram: @keithweinhold   **Speaker 1** (00:00:01) - Welcome to GRE! I'm your host, Keith Weinhold, learn why I rejected my grandpa's advice about debt and real estate. Global home prices have surged not just since 2020, but really for the last decade plus. How does America compare to the world there? Then the real estate market heats up in Florida. All today on Get Rich Education, **Speaker 2** (00:00:28) - You are listening to the show that has created more financial freedom than nearly any show in the world. This is Get Rich Education.   **Speaker 1** (00:00:51) - Hey, welcome to GRE from England's White Cliffs of Dover to Dover, Delaware, and across 188 nations worldwide. I'm Keith Wein. Hold. This is Get Rich Education. The fact that you want to get lots of good real estate debt, even now that real estate interest rates are off their all time lows from a couple years ago and really most all interest rates. You know, I think to the lay person, it is one of those things that is easy to understand and yet hard to accept to get more debt. Since Americans have near record equity levels. Now, not enough people even ask where that equity came from. I mean, look, you probably don't have a big equity chunk in your home because you paid it down. You have fat equity in your home because it increased in value. Yeah, that's leverage, which was brought into existence by debt. Now lay people can understand that, but yet it's hard to accept that truth.   **Speaker 3** (00:01:59) - What you've just said is one of the most insanely idiotic things I have ever heard. At no point in your rambling, incoherent response, were you even close to anything that could be considered a rational thought. Everyone in this room is now dumber for having listened to it. I award you no points. And may God have mercy on your soul.   **Speaker 1** (00:02:26) - . Yeah, yeah, yeah. That's from an old school movie, Billy Madison from 1995. But did you ever get a reaction or a look like that when you shared abundantly minded G R E principles with them? , debt free doesn't make sense. The wealthiest people have the most debt. The wealthiest and most powerful nation in the world has the most debt. But some people will still clinging to old ways of thinking. They'll rationalize that debt is bad now because we'll say interest rates aren't as low as they used to be. All right, true. Well, also on the flip side, debt is better when inflation is high because it debases that debt. Inflation and interest rates tend to move in lockstep. So therefore, weather interest rates are high or low. That line of thinking cancels out. And of course, 10 is keep debasing your debt by paying down your principle for you no matter how inflation and interest rates are moving.   **Speaker 1** (00:03:27) - And this all plays into how I was taught to think about money myself growing up, including the influence of my own grandfather. And I would go on to reject my grandpa's advice as a kid. Grandpa told me to save money. You certainly heard that growing up when I was about 20, I was visiting my grandparents on college break. And I still remember when grandpa told me that when it's time for me to buy my first house, I should buy a fixer upper. And though he never told me this next thing, he probably would've encouraged me to pay off your mortgage fast. I bet he would've said that one. Well, he meant well. And though I didn't deliberately spur him, I have gone on to disregard all of my late grandpa's financial guidance. He was a great guy. Grandpa served in a war. He and grandma raised my mom and uncle in a small, simple farmhouse on a 13 acre farm in rural Berks County, Pennsylvania.   **Speaker 1** (00:04:31) - And besides raising livestock and growing crops, he was an electrician by trade. He was an even tempered guy with a wiry frame. And grandpa taught me how to fish for bass in their small farm pond, all with his usual thin smile. And he had a wooden trademark kind of toothpick, pursed between his lips a lot of times. But see, grandpa was born and raised in a pre 1971 world. His concept of money was shaped before Nixon deg the dollar from the gold standard. And as we know, inflation ran rampant after Nixon D pegged the dollar from gold. And then in the 1980s, the Bureau of Labor Statistics, they began to sharply manipulate the way that the consumer price index that had line inflation figure is calculated. They used waiting tricks and other tricks to make the soaring inflation figure appear smaller than reality. Well, I was born and raised in a post 1971 world, so rather than focus on saving money, I want to get out of dollars before they're debased by inflation.   **Speaker 1** (00:05:42) - I never bought a fixer upper home though I truly admire grandpa for it. I didn't have the D iy, an electrical skillset that he did that just didn't come naturally to me. And now admittedly, and at its worst, maybe you can say that I'm part of the reason that Americans are less resourceful, or rather, perhaps American life is better. Or maybe it's that with progress, we're all specialists. Now I'd rather pay more for a home that's already new or renovated This way I spend my time, that zero sum game resource of time. I can spend that on my best and highest use and not texturing drywall and not hanging cabinets and not laying tile. I borrow dollars, not save them on rentals, both tenants and inflation payback the debt. So inflation flips dollars upside down, and grandpa might not believe how iconoclastic I sound. Now, the heresy today, I borrow invest and own assets that create residual cash flow.   **Speaker 1** (00:06:53) - And I would even spend dollars in some cases before they're debased. And along the way, I provide contractors and service providers with work. I employ an ongoing property manager and I provide families with good housing. I doubt the grandpa knew about how debt compounds the power of financial leverage. There's something good to be said for hard work, you know? And my grandfather showed me that on the farm, maintaining the tractor, loading the coal bin, harvesting crops and feeding the chickens. I mean, dude was amazing. He was like the showy otani of skillset diversification. But the world changed over the long term. Today's abundance mindset beats grandpa's grind. I love him for wanting the best for me. Grandpa never wavered on that. Ultimately, really, he equipped me to learn what's best for me and what's best for others. And I know I'm preaching to the choir here because our Instagram stories poll about paid off properties.   **Speaker 1** (00:07:58) - It asked you this question, which one do you prefer to pay off your home A S A P, or to leverage up and don't pay it off? Okay? How do you think that result went? Well, the percent that said pay off your home ASAP P was only 16. And those that said leverage up and don't pay it off is 84%. Yeah, you get it. 84% would rather leverage up and keep borrowing against it rather than pay it off your own home is some of the best debt you can get low rates, fixed rates along payback period, and you can legally kind of reneg and go get a lower rate when they fall as well. And mortgage terms are not quite as good on your rental properties, but they are still advantageous when you go compare that. And you know, really another way to think about it is, if you've got a 500 K home, why would you tie up 500 K in your home?   **Speaker 1** (00:09:05) - You could perhaps have just 100 K tied up in that home or in that rental property. Now, I've talked to you before about how many advanced world economies, foreign nations, they have house prices that vastly exceed prices in the United States. Canada's home prices are almost fully doubled that of us home prices right now. Well, I've got some great stats here. They are sourced by the bank for international settlements on not the international house prices this time, but how those prices have changed since 2010. Okay? So what we're looking at here is 2010 all the way up through Q2 of last year. So 2010 all the way up to the middle of last year. And these are all inflation adjusted. So we're talking about a change in real prices. US property was up 63% in that time, basically about the last 12 years. But the United States is not one of the top 10 countries for home price growth over that period.   **Speaker 1** (00:10:10) - And here those countries are number one for growth is Iceland at 103%. Second is Estonia at 97%. Third for world home price growth is New Zealand at 97% as well. Chill at 95% Turkey, 91% Canada up 90%, the top 10 for home price growth are rounded out by Luxembourg, Hong Kong, Hungary, and Israel. They're all between 80 and 85% inflation adjusted price growth over those about 12 years. So they're all greater than the United States, which again was up just 63% over that long period. That makes American home value seem somewhat cheaper when you think of it through that perspective. America is the envy of the real estate world. It's not just our rule of law and high property ownership rights and strong diverse economy. It's that it's one of the few places in the world where you can lever up this much and still get cash flow and at these terrifically advantaged debt term terms.   **Speaker 1** (00:11:19) - And on the flip side, now we look at the worst nations for price appreciation over the last 12 years. It is a story of price contraction. Prices have dropped in these nations. Okay, so these are the worst five. And let's see if you can guess at what all five of these have in common. Those five worst are Spain, Romania, Italy, Greece and Russia. Russia being the worst at minus 33% inflation adjusted house prices. And yeah, do you know what all five of these nations have in common? All five are losing population and losing the real estate prices with them. All right, well what about the United States? How does our population growth look for the future? What we are just about surpassing the one third of a billion people mark. Now we'll have 336 million people by the end of this year. And over the next 30 years, we're expected to have a population increase from 336 million this year up to 373 million Zen 30 years from now.   **Speaker 1** (00:12:34) - And the proportion from immigration is expected to increase while the proportion from the birth rate wanes. And of course, this contributes to the growing renter society in America because people have a harder time affording the entry level home. And you know, really the entry level home threshold that is now largely considered to be right about $300,000. Yeah, that's about two thirds of the value of today's median priced home and housing market research firms Zda. They tracked home prices and home projects across the country and they found, as you might expect, that the share of new projects for homes under $3,000 is declining rapidly all across the country. From Texas to California to Colorado to Ohio, they are vanishing everywhere. 300 K homes aren't just being diminished in creation, they're just completely gone from a lot of markets. Now this share of projects under 300 K are just completely non-existent.   **Speaker 1** (00:13:46) - Yeah. Now coming in at 0% of the market for Riverside and San Bernardino, California. Now of course coastal California, new 300 K homes, they are long gone. But Riverside and San Bernardino, they're about 50 miles inland. They're less expensive markets. Those properties are gone there in Sacramento, they are gone in Denver, 300 k properties are gone. So the swath of non-existent new build 300 k single family homes is growing and increasingly just nowhere to be found. But we have found a place where these properties do still exist in. It's in an American in migration. Hotbed straight ahead, listen to our in-house chat about this and the overall warming temperature of the real estate market and a cool upcoming Jerry event to tell you about where I'd love to see you there. I'm Keith Reinhold. This is G R e with jwb Real Estate Capital. Jacksonville Real Estate has outperformed the stock market by 44% over the last 20 years. It's proven to be a more stable asset, especially during recessions. Their vertically integrated strategy has led to 79% more home price appreciation compared to the average Jacksonville investor since 2013. J W B is ready to help your money make money, and to make it easy for everyday investors, get started@jwbrealestate.com slash gre. That's jwb real estate.com/gre.   **Speaker 1** (00:15:23) - GRE listeners can't stop talking about their service from Ridge Lending Group and MLS 4 2 0 56. They've provided our tribe with more loans than anyone. They're truly a top lender for beginners and veterans. It's where I go to get my own loans for single family rental property up to four plexes. So start your pre-qualification and you can chat with President Chaley Ridge personally. They'll even deliver your custom plan for growing your real estate portfolio. start@ridgelendinggroup.com.   **Speaker 4** (00:15:56) - This is Rich Dad advisor, Ken McElroy. Listen to Get Rich Education with Keith Wine Hold and don't quit your daydream.   **Speaker 1** (00:16:14) - Hey, well I'd like to welcome in GRE's in-house investment coach in Naresh. Now maybe you've never bought a property out of state before and for almost a year and a half, he has personally one-on-one been helping you with that and with your overall investment strategy. And then he gets you matched up with the right financing and direction in actual property addresses through G rre marketplace. And he does that for you free. Hey Naresh, welcome back outta the show.   **Speaker 6** (00:16:41) - Hey, thanks Keith. It's been a while, but looking forward to talking about this great real estate market.   **Speaker 1** (00:16:46) - You are often dealing directly with the providers and you also know what buyers are looking for too, our audience. So just talk to us about the overall state of the income property market today.   **Speaker 6** (00:16:56) - Yeah, well I want to go back a few months and talk about how the market was a few months ago and how it is today. Because I think you can really talk about how things are going, but when it's compared to something else. So if we go back a few months to let's say November, 2022, so this was pretty recent, we're talking about five months ago or so. Yes. The activity in the real estate buying process, just real estate in general building the activity was slim. There were very few people contacting me. There were, if you look at the publicly listed data, there was definitely a slowdown. If people were to look at their own properties and look at a chart of their property values, they'll see that there was uh, a plummeting of asset values. And that was November, 2022. And what's happened since then, because the Federal Reserve, as you've talked about, has slowly hiked up interest rates and interest rates have gone up, mortgage rates have gone up.   **Speaker 6** (00:17:59) - What happened is sellers, agents, wholesalers, brokers, builders, they didn't wanna see a crash. And what they did was they started honing up some of their own capital to incentivize buyers to make up for that higher interest rate. So now we fast forward from November where there was no activity. I mean literally we had zero activity at G R E, not even a single inquiry on a property. So we've gone from that to providers providing incentives like, Hey, the price is negotiable. This is just sticker price. Let's negotiate like we're at a car dealership to free property management for one year or even two years, or free home insurance for one year or two years or 2% closing cost credits or X amount of X thousand dollars off closing costs. The incentives go on and on and on. These were not available in 2022 because we saw a super hot real estate market with a ton of buyers all of a sudden turn into a dead real estate with no buyers.   **Speaker 6** (00:19:11) - So people who are concerned with the state of the real estate market right now, they might say, oh, you know, the interest rates are so high, these incentives cut down on that interest rate. So your lender may quote you for a 25% down payment. And that's the other thing, because of the market we're in, 25% is the best you're gonna get paying no points. If you pay 20% down, now you're gonna have to pay points to buy down that rate and, and those points don't go towards your equity, you're just buying down the rate. So anyway, with that being said, for 25% down with these incentives, we're now looking at the mid to high five. So five and a five to 5.9% interest rate, which is, I mean we're at 20 18, 20 19 levels at that point. So the state of the real estate market is still very strong.   **Speaker 6** (00:20:03) - It's healthy. There's a lot of activity now with buyers, with investors, home builders. We work with a ton of builders. They're essentially trying to sell off all the builds that they were permitted for three years ago, two years ago. So builders aren't building as much as they were like after the lockdowns were lifted in 2020 and they started building like crazy. And this has again, increased the demand of housing where they built a lot and now they're not building, they're just looking to sell what they currently have that hasn't been sold yet. So with an influx of people, we're seeing a baby boom. We have politicians talking about a bigger baby boom within the coming years and more immigration that only increases a demand for housing. So yes, right now is still an excellent, excellent time to buy. November of last year, not so much. But right now, yes,   **Speaker 1** (00:20:57) - It's a paradox with this nationwide dearth of housing supply and knowing that that problem is even more chronic in the entry level space that make the best rentals. Considering those factors, you would think that builders and providers wouldn't need to offer any incentive at all. But they have been recently. Some of them are continuing because of what's gone on in the mortgage market and with mortgage rates. So really that's nationally. And then talk to us about the geographies that we work in that tend to be in the Southeast and Midwest and in the inland northeast.   **Speaker 6** (00:21:35) - Yeah. Well first off, I, I wanna say that we work with a ton. Not all of our partners or providers are offering incentives, but I would say we just happen to work with a majority of them. So if you're listening and you're like, huh, he said a rent guarantee or a two years free property management or free closing costs, if these strike a fancy, then definitely reach out to me because I can share with you the best properties offering such and senates. And these are older properties, these are new construction. There are no more pre-construction that we're dealing with. Cuz like I said, pre-construction is, so two years ago, three years ago, those pre-construction properties are now available for sale and for closing within 30 days. So reach out to me, NAI, and A R E S h I get rich education.com if these interests you.   **Speaker 6** (00:22:28) - Now, as far as who we work with, like who's offering such great deals, what markets we, Keith are still seeing, I would identify two particular markets in southeast South, if you wanna say the south eastern part of the United States. So number one, all of Florida, Florida is still the hottest market that we're dealing with. Our providers are all offering big incentives and we're seeing homes rented really quickly because as you've covered, Florida has become a hotspot along with Texas as a destination over the past three years. And that continues to be the trend. In fact, Ocala, Florida, which we have tons of properties available in Ocala, Florida, brand new constructions, even quads, many of our buyers are so hungry for quads because it's the closest thing to multi-family. And we finally have quads available in a market like Jacksonville, Florida, Ocala, Florida, San Antonio, Texas.   **Speaker 6** (00:23:29) - We have a quad available there. That's a really hot market as well. But I want to bring up Ocala, Florida because U-Haul, the famous trucking transportation company U-Haul has a very good pulse on where people are moving, where their rentals are being rented, right? And the number one destination they found for the year 2022 was Ocala, Florida. So that's an area, it's the world has equestrian headquarters, the largest retirement community in the world is a half an hour away from there. So you have a ton of people servicing these very wealthy elderly people to 55 and up community. So a lot of healthcare, a lot of service industry. You have a lot of it jobs, engineering jobs, because Gainesville, which is home to the University of Florida is only 40 minutes away. And Ocala is more affordable than living in that retirement community is called the Villages very pricey because it's like its own world over there.   **Speaker 6** (00:24:32) - I've been there a couple of times. And then Gainesville also is quite pricey with the university and with the tech community there. So Ocala has become the next biggest city that's not completely rural farmland that has any sense of modernity. And so yes, I'm identifying all of Florida, specifically Ocala, but then also Memphis, Tennessee for older rehabbed properties, both Memphis, Tennessee and Little Rock, Arkansas. We're seeing a lot of activity there because they are lower priced entry level homes. They're rehab properties, fully rehab, turnkey, gutted. So these are properties anywhere from a hundred to $150,000 in Memphis and about 120 to 170,000 in Little Rock. So we work with a provider there who has a lot of inventory and they are also offering some pretty incredible incentives that our other partners in Memphis are not offering. That includes two years closing cost credit. That includes free property management for two years. And it also includes a mortgage guarantee. So if they're not able to rent out your property, they will pay your mortgage for you until they find a tenant who will uh, tenant that property.   **Speaker 1** (00:25:51) - Ah, somewhat different than the rent guarantee that sometimes we hear about where they will pay the market rent for you if you don't have a tenant in the property, but it's paying your mortgage for you.   **Speaker 6** (00:26:00) - Exactly. So you just send them your mortgage bill and, and they will pay it. But I will say the reason why they offer this is because they're putting their money where their mouth is. They're so confident that they will, that both Little Rock and Memphis, just like Florida, have become very strong places for people to move to because they're affordable. And you want to be buying real estate in affordable places because A, it's affordable for you and B, it's gonna be affordable for your tenants, which means you're gonna have a greater tenant pool to fill that property.   **Speaker 1** (00:26:31) - Yeah, so Memphis and Little Rock, some of the most affordably priced cash flowing markets in the nation. And yes, these prices, 100 to 150 K for you Californians and New Jerseyans and New Yorkers. We're not talking about the down payment, we're talking about the total purchase price of a home in a safe neighborhood that can attract a respectable tenant in places like Memphis and Little Rock. And then when it comes to Texas and Florida, you mentioned U-Haul, they put out annual reports where they actually give some really good migration data to the real estate market, but with all the in migration to places like Florida and Texas and the rest, sometimes I wonder how does U-Haul handle, like all their trucks end up in Jacksonville after a few months or all their trucks end up in a place like Ocala or Central Florida where so many people are moving. It's just interesting to think about what they do with that problem. They need to get all their trucks back out of places like that after all of the in migration. And because Florida, it really is so predictable that the in migration will continue. It's been such a long trend it picked up during the health crisis and we have an upcoming webinar in Florida. Tell us about that.   **Speaker 6** (00:27:44) - Yeah, well this is with one of our hottest Florida providers. They've been hot because of a special, you've mentioned it on your podcast, you've mentioned it in your newsletter. I've mentioned it in my communications with students and clients. They had a two plus two program of two years free property management plus 2% closing costs. But we're doing a webinar with them next week. It's going to be next Tuesday evening. If you go to g r e webinars.com, g r e webinars.com, you can find out about the webinar and also register for it. They've gotten rid of that two plus two program because they are unveiling a brand new promotion, a brand new program that is even better than the two plus two. So if you missed out on the two plus two, we're right now in this two and a half week period where there's no promotion and you have to pay retail price.   **Speaker 6** (00:28:44) - But if you stick through it, join us on the webinar next week. They are, like I said, they'll be announcing a brand new promotion that is the two plus two was an incredible, incredible program. I think this is way better than even the two plus two. So this is certainly exciting. They're gonna be coming on the webinar talking about Ocala like we just talked about. They have built the quads in Ocala that we have available. They've built duplexes, single families, and not just in Ocala but all around Florida. And they are offering incentives and discounts to sell these properties. So highly recommend people. Check out G r e webinars.com to register for that webinar next Tuesday evening.   **Speaker 1** (00:29:29) - All right. And for our group attendees on our webinar there, you're gonna have incentives for these new Build Florida properties, oftentimes single family homes up to four plexes and larger that are even better than the 2% closing cost cash at the table for you. And even better than that two years free property management. They are gonna roll that out to you at the webinar next week that you want to be sure to attend. We'd really like to see you there. That is our live event on Tuesday, May 2nd at 8:30 PM Eastern, 5:30 PM Pacific. And the rest is starring in that one. It is completely free for you to attend and the benefit of you attending it in person is it is live. And you'll have a chance to ask questions and maybe we have another attendee that asks a question that you didn't think about asking. That's a really good question. So you can kind of crowdsource all the questions and ask a question yourself there at the live event@grewebinars.com. Do you have any last thoughts, Lorre?   **Speaker 6** (00:30:33) - Well, I will say this, one of the best parts about the webinar for serious buyers who are looking for that next deal is our provider will be providing the best deals they have available. So they're coming with two to three of their best deals. So this isn't one of those things where it's like, oh, you know, NAIA is just gonna send me an email after and I'll see everything. Or I'll watch the webinar replay. Yes, there will be a webinar replay, but the chances of those two deals being sold out during the webinar are extremely high because of the incentives and the deals that the provider is providing. So I highly recommend try to make it live. You want to get in on these deals. Uh, if you miss the webinar, hey, not to worry, we're going to have the replay. Maybe, uh, they'll have some other properties that are comparable, available for sale too. But you wanna be there live, get your questions out of the way and move quickly. Because our last webinar that we did, Keith for Baltimore, it was probably our best webinar yet. And we moved properties, we moved properties very quickly live on air. So that's why I just wanna let our listeners know, hey, things are really picking up in the real estate market. Again, things are picking up at G R E, so you don't wanna be left behind.   **Speaker 1** (00:31:51) - These are attractive incentives for path of Progress Florida, usually new build properties for you next week. Again, at G R E webinars.com. This is exciting stuff. Thanks for sharing this with us and the rest.   **Speaker 6** (00:32:05) - Thank you, Keith. Always a pleasure.   **Speaker 1** (00:32:12) - Yeah, well, 25% down in buying your mortgage rate down into the fives creates some cash flow. But as you'll see a next week's live virtual event, it is going to get better than that purchase prices on these brand new single family homes. They're still below 300 k, still in the 200 s in some cases. Yes. These are the property types that are quickly vanishing. Naresh can find both the good deals for you with the national providers that are actually giving incentives like the ones that we talked about. And this is all despite the fact that the product that you're buying is in really short supply sets for income properties, single family rentals, up to four plexes in Jacksonville and Ocala and elsewhere in Florida. And now if you wanna get ahold of Naresh for the latest on GRE Marketplace Nationwide Properties and who has the best incentives, you can go to G rre marketplace.com/coach and you can get free direction and coaching.   **Speaker 1** (00:33:17) - He would like to see you for next week's live event, though, besides just getting a solid fundamental education on what makes a durable income property market, Naresh and the Florida provider are gonna share with us just for webinar attendees, those even better than two and two in incentives for you. The incentives on the webinar. Yes sir. Even better than the 2% of your closing costs paid to you in cash and two years of free property management. Again, this is next Tuesday. It's May 2nd at 8:30 PM Eastern, 5:30 PM Pacific Naresh Stars. In this one. It is free to attend, get your questions answered, and get access to properties should you so choose. Be sure to sign up now while it's on your mind@grewebinars.com. I'm your host, Keith Wein. Hold. Don't quit your daydream.   **Speaker 0** (00:34:15) - Nothing   **Speaker 7** (00:34:16) - On this show should be considered specific, personal or professional advice. Please consult an appropriate tax, legal, real estate, financial, or business professional for individualized advice. Opinions of guests on their own information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of Get Rich Education L L C exclusively.   **Speaker 1** (00:34:44) - The preceding program was brought to you by your home for Wealth building. Get rich education.com.