Podcasts about fort myers

8.31.25 | "Break The Box & Pour It Out" | Evangelist Greg Godwin by The Rock Church of Fort Myers

Support the pod and get so much extra content for $5/month at https://www.patreon.com/stiffsockspod Bonus eps also available on Apple Podcasts! https://www.apple.co/socks Trevor and Michael kick things off with wild riffs about exes, haunted closets, and turning breakups into “rebrands.” They dive into the death of malls, why zebra gum lasts shorter than bad sex, and the misery of birthday songs in restaurants. Then rapper Dave Blunts joins the pod to talk about his come-up, working with Kanye, writing outrageous bars, rap beefs with 50 Cent, ghost stories, crowd surfing prep, and why his vice principal might be his lifelong nemesis. Listen to Dave Blunts: https://dave-blunts.ffm.to/talkingtothesun Follow him on IG at https://www.instagram.com/iluvyoudaveblunts/?hl=en

8/27/2025 After a week away (Because somebody forgot the memory chip at home(me) we are back in action and we have three main topics that we covered. The title might give one of those three away, but you have to listen to see the real meaning behind why that is a legit question. Second, we talked about how to handle having bad days at the gym and why it's okay for it to happen. Third, we go over why standards are so important to our gym culture and why we think that it has been so refreshing lately with our athletes buying in to why standards are so important. Song - Gimme a HugArtist - Drake

8.26.25 | "Supply & Demand" | Bishop R. L. Williams by The Rock Church of Fort Myers

Pastor Ryan Deaton delivers a message, "Weary No More: The Power of WE" as Part 2 of the series titled "We in a Me World" at Life Church in Fort Myers, Florida. (Sunday, August 24th, 2025 - 11:00​AM) For more information, visit our website at: http://www.lifechurch.net Instagram: www.instagram.com/lifechurchfmy Facebook: http://www.facebook.com/LifeChurchFMY Vimeo: http://www.vimeo.com/lifechurchfmy

8.24.25 | "Living Past Your Scars" | Bishop R. L. Williams by The Rock Church of Fort Myers

In this episode, Ray Higdon tackles five prevalent sales mistakes that he wishes people would stop making. He elaborates on why these mistakes are detrimental and shares valuable insights on how to avoid them. Ray also provides information on his sales and marketing mentorship programs and an upcoming retreat in Fort Myers, Florida, aimed at helping you drive more sales with practical strategies and AI integration.   ——

This week we're starting off with Brendan Schaub learning a brand new life lesson at the age of 42. Did you know it's okay to not know stuff and admit that you don't know stuff? Thanks to Bapa for this revelation. Also it's confirmed, his children are so embarrassed by him! After we watch Bryan Callen call Brendan out for texting during their show, we check out Stuttering John's latest standup set in Fort Myers. The crowd is mostly his drinking buddies and yet he still gets heckled throughout his set. Sean from Potentially Criminal agrees with me about Stuttering John based on the lolsuit. Steel Toe is hitting goals easily until he's not and then he is ready to debase himself. Opie thinks he has insider information about Howard Stern's contract and he can't wait to dish. Then Ron the Waiter joins the show to reveal the most horrific personal family drama and Opie couldn't be a worse friend. Megan and Annie join us for the return of “To Poke a Dabbler” followed by a round of “Is It Gay?” We finish up with some recent comments, reviews, and your voicemails.  Tickets on sale for WATP with Anthony Cumia at The Villa Roma Resort in Callicoon, New York on September 5th – ⁠http://watplive.com/ ⁠ Support us, get bonus episodes, and watch live every Saturday and Wednesday: ⁠http://bit.ly/watp-patreon⁠ ⁠https://watp.supercast.tech/⁠ Learn more about your ad choices. Visit megaphone.fm/adchoices

Pastor Ryan Deaton delivers a message, "The 'WE' Identity" as Part 1 of the series titled "We in a Me World" at Life Church in Fort Myers, Florida. (Sunday, August 17th, 2025 - 11:00​AM) For more information, visit our website at: http://www.lifechurch.net Instagram: www.instagram.com/lifechurchfmy Facebook: http://www.facebook.com/LifeChurchFMY Vimeo: http://www.vimeo.com/lifechurchfmy

Support the pod and get so much extra content for $5/month at https://www.patreon.com/stiffsockspod Bonus eps also available on Apple Podcasts! https://www.apple.co/socks

8.19.25 | "My Mind Has To Stay Connected To The Spirit" | Family Care Pastor James Moore by The Rock Church of Fort Myers

In this episode of The Human Experience, host Jennifer Peterkin travels to Clermont, FL and welcomes Derek Newborn, who shares his raw and inspiring journey from abandonment, trauma, and self-destruction to transformation, healing, and purpose. Growing up in Fort Myers, Florida, Derek faced the pain of parental incarceration, single-parent struggles, and a deep sense of abandonment. Becoming a father at 16 and navigating hardships such as divorce, narcissism, and a suicide attempt, Derek reveals how he reached rock bottom and began the hard process of rebuilding his life. Through deep vulnerability, self-reflection, and a spiritual awakening, Derek learned to take ownership of his story. His journey of resilience offers listeners valuable insight into self-compassion, accountability, and the power of rewriting one’s narrative. ⚠️ Content Warning: This episode contains discussions of suicide and trauma. Listener discretion is strongly advised. Key Takeaways:● Childhood experiences and family dynamics shape adult struggles and emotional development.● Derek shares the impact of parental incarceration and the challenges of being raised by a single parent.● Abandonment and isolation influenced destructive patterns in relationships and self-worth.● His journey of self-discovery highlights the importance of accountability and rewriting one’s story.● Trauma is subjective—its impact depends on how it’s carried and processed.● Community support, vulnerability, and self-compassion are vital to healing.● Forgiveness is powerful but doesn’t always mean reconciliation.● Derek describes the shift from narcissism and self-centeredness to authentic connection.● A spiritual awakening redefined his purpose and ability to help others.     Derek Newborn’s Bio:Once named one of Florida’s “Top Personal Trainers” and a published fitness model, Derek Newborn appeared to have it all. But beneath the surface, he was unraveling. Multiple suicide attempts, destructive relationships, and narcissistic behaviors nearly cost him everything. Instead of ending his life, Derek chose to end the version of himself that was destroying it. Through resilience, accountability, and faith, he rebuilt his life brick by brick. Today, Derek helps women escape toxic relationships with narcissists, reclaim their worth, and reconnect with their authentic selves—mentally, spiritually, and physically. Having lived many lives—teenage father, construction worker, trainer, model, business owner, and survivor—Derek proves it’s never too late to rewrite your story. His mission is clear: no matter how far you’ve fallen, you can rise again—and thrive.     Connect with Derek Newborn:

8.17.25 | "The High Cost Of Running From God" | College & Career Pastor Trevor Sloss by The Rock Church of Fort Myers

“They threw everything at him, manufacturing intelligence to frame him as a Russian stooge… they failed spectacularly,” writes NY Post journalist Miranda Devine. “If you come for the king, you'd best not miss.” After reviewing intelligence documents declassified by DNI Tulsi Gabbard, Devine says “We now know that on Dec. 9, 2016, Obama directed his national security officials, DNI James Clapper, CIA Director John Brennan, FBI Director James Comey and others to create an intelligence assessment with the foregone conclusion they all knew to be false: that Russia had influenced the 2016 election to help Trump win.” “…Hillary herself approved one of these plans… to heighten tensions around this Russia hoax… to draw attention away from her and the controversy surrounding her at that time.” Patrick Pennie is a Certified Clinical Perfusionist and Critical Care Registered Nurse. As Founder of EmCyte Corporation in Fort Myers, Florida, he leads a global innovator in regenerative biologics with integrated manufacturing and R&D. Follow at https://x.com/emcytecorp Miranda Devine is a New York Post columnist and Fox News contributor. She broke the Hunter Biden laptop story and authored The Big Guy and Laptop from Hell. She hosts Pod Force One, covering Washington's disruptors. Follow at https://x.com/mirandadevine and listen to her podcast at https://nypost.com/pod-force-one/ Casey Meinster, LMFT, is Division Chief of Campus-Based Services at Hillsides, overseeing the Residential Program, HillsidesCares, and migrant children shelters for at-risk youth aged 6-17. Learn more at https://hillsides.org 「 SUPPORT OUR SPONSORS 」 Find out more about the brands that make this show possible and get special discounts on Dr. Drew's favorite products at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://drdrew.com/sponsors⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠  ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠• FATTY15 – The future of essential fatty acids is here! Strengthen your cells against age-related breakdown with Fatty15. Get 15% off a 90-day Starter Kit Subscription at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://drdrew.com/fatty15⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ • PALEOVALLEY - "Paleovalley has a wide variety of extraordinary products that are both healthful and delicious,” says Dr. Drew. "I am a huge fan of this brand and know you'll love it too!” Get 15% off your first order at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://drdrew.com/paleovalley⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ • VSHREDMD – Formulated by Dr. Drew: The Science of Cellular Health + World-Class Training Programs, Premium Content, and 1-1 Training with Certified V Shred Coaches! More at https://drdrew.com/vshredmd • THE WELLNESS COMPANY - Counteract harmful spike proteins with TWC's Signature Series Spike Support Formula containing nattokinase and selenium. Learn more about TWC's supplements at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://twc.health/drew⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ 「 MEDICAL NOTE 」 Portions of this program may examine countervailing views on important medical issues. Always consult your physician before making any decisions about your health. 「 ABOUT THE SHOW 」 Ask Dr. Drew is produced by Kaleb Nation (⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://kalebnation.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠) and Susan Pinsky (⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://twitter.com/firstladyoflov⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠e⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠). This show is for entertainment and/or informational purposes only, and is not a substitute for medical advice, diagnosis, or treatment. Learn more about your ad choices. Visit megaphone.fm/adchoices

Thursdays are for In The Circle powered by SixFour3. Today, we head back to Fort Myers for a chat with new FGCU assistant coach Devyn Flaherty. She reflects on her time coaching under Lindsay Fico at both Mercer and Florida Gulf Coast. Flaherty also discusses her playing career at Florida State and her summer with the WPF's Orlando Monarchs.Eric and Victor then share their thoughts on the latest rule changes announced Wednesday. Needless to say, the guys are split on the double-base ruling.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Today on the Hangin' with the AD podcast, we're adding a new twist to our guest lineup. We've talked with high school and collegiate athletic directors, authors, speakers, and performance coaches—but this is the first time we've welcomed a TikTok star into the conversation. Chris Harris is the athletic director at Evangelical Christian School in Fort Myers, Florida, a role he's held since 2022. Before joining ECS, Chris spent six years as the Athletic and Activities Director at South Fort Myers High School. He's a former collegiate athlete, a successful coach with state titles in both football and track, and now, a social media voice giving thousands of people an authentic look into the day-to-day life of a high school AD. In this episode, you'll hear how Chris uses TikTok not just for laughs or highlights, but as a leadership tool—to advocate for athletic administrators, educate communities, and tell the real story of what we do. We'll also explore his thoughts on visibility as a leader, the power of a reset, leading with intention, and why now is the time for ADs to tell their own stories. Whether you're an athletic director, a coach, or just curious about life behind the scenes of high school sports, this conversation is packed with insight, energy, and encouragement. Let's get to it—here's our conversation with Chris Harris.

A full interview with Boston Red Sox pitching prospect Myles Patton after being drafted in the 2025 MLB Draft out of Texas A&M. Myles dives into what it was like during the draft process and what things have been like down in Fort Myers.

The people of God in Ezra's time experienced opposition strikingly similar to what many Christians face today. Societies and governments have changed, but the tactics haven't. Ezra 4 reveals three familiar strategies: syncretistic offers of "unity" that require compromising the Gospel, bureaucratic warfare that weaponizes legal systems against believers, and the use of government power to forcibly shut down God's work. When the Jews reject their neighbors' insincere help to rebuild the Temple, these adversaries shift from being conciliatory to spreading misinformation and bribing officials to stop the work entirely. Ezra even points forward to examples of God's opponents securing royal decrees to stop the reconstruction of Jerusalem itself as examples of the opposition God's people face in this world.  The Rev. Dr. Curtis Deterding, pastor of Zion Lutheran Church in Fort Myers, FL, joins the Rev. Dr. Phil Booe to study Ezra 4.  To learn more about Zion Lutheran, visit zionfmdev.wpcomstaging.com. The Persian king Cyrus issues an astonishing decree: the exiles may go home. Among them are the Jews—God's chosen people—whom this pagan ruler not only repatriates, but commands to rebuild the temple of the Lord. Ezra 1–4 tells of their return, the joy of restored worship, and the crushing opposition that brings construction to a standstill. Then the prophets Haggai and Zechariah speak with God's authority, calling His people to courage, repentance, and hope. In Ezra 5–8 the temple is completed, worship flourishes, and hearts are renewed in God's Word. This series on Thy Strong Word follows the events in the order they happened, revealing how the Lord moves kings and prophets, overcomes opposition, and restores His people. Thy Strong Word, hosted by Rev. Dr. Phil Booe, pastor of St. John Lutheran Church of Luverne, MN, reveals the light of our salvation in Christ through study of God's Word, breaking our darkness with His redeeming light. Each weekday, two pastors fix our eyes on Jesus by considering Holy Scripture, verse by verse, in order to be strengthened in the Word and be equipped to faithfully serve in our daily vocations. Submit comments or questions to: thystrongword@kfuo.org.

8/13/2025 The guys are back from their week long vacation and we're excited to take on this week back to work and training. It feels so good to be back after our time off, and be around our Bloodline Crew!!! We recap our vacations for a bit, and then get onto some gym info that is happening over the next few weeks of summer and what we can look forward to. Finish by talking about the CrossFit Games champions and a specific topic from Jayson Hopper that is very near and dear to our heart when it comes to training.  Song - Burn The House DownArtist - AJR

8.12.25 | "David's Mighty Men" | Children's Pastor Naeem Hammond by The Rock Church of Fort Myers

8.10.25 | "Is It I, Rabbi?" | Rev. Judah Williams by The Rock Church of Fort Myers

Many conventional approaches to health and wellness are widely observed, but they often fall short of helping individuals become healthier. Therefore, instead of focusing too much on medication and exercise, perhaps it is time to pay more attention to holistic nutrition. Zach Gurick is joined by Julie Hill, a functional medicine certified practitioner and registered dietitian in Fort Myers, who explains how to take charge of your health by revisiting how and what you eat. She explains how to determine the right diet according to your very own lifestyle to make the experience more aligned with your specific body needs. Julie also talks about using baking soda to wash produce thoroughly, keeping a symptoms journal, and the top allergen foods you should avoid.The information presented in Fully Alive is for educational and informational purposes only and is not intended as a substitute for professional medical advice, diagnosis, or treatment. Always seek the advice of your physician or other qualified healthcare provider with any questions you may have regarding a medical condition or treatment and before making changes to your health regimen. Guests' opinions are their own and do not necessarily reflect those of the podcast host, production team, or sponsors.

‼️MERCH OUT NOW on stiffsocksshop.com‼️ Support the pod and get so much extra content for $5/month at https://www.patreon.com/stiffsockspod Bonus eps also available on Apple Podcasts! https://www.apple.co/socks Support the pod and get so much extra content for $5/month at https://www.patreon.com/stiffsockspod Bonus eps also available on Apple Podcasts! https://www.apple.co/socks

8.5.25 | "Prayer Changes Things" | Bishop R. L. Williams by The Rock Church of Fort Myers

Corey Easterbrook is the co-owner of HotHouse Music & Production, a Fort Myers–based company specializing in live audio, video, and lighting. With over 25 years in the industry, Corey brings a concert-level approach to corporate events, conferences, and private productions across North America. Known for his creative lighting designs and high production standards, Corey helps clients deliver unforgettable event experiences.In this conversation, Corey discusses the significance of creating a collaborative ecosystem in business, emphasizing how interconnected relationships can enhance growth and support among competitors. He highlights the importance of being aware of competitive dynamics and how they influence purchasing decisions and business strategies.This episode is brought to you by Elation and Main Light

8.3.25 | "When Your Obstacle Becomes Your Opportunity" | Youth Pastor John Sferlazza by The Rock Church of Fort Myers

Pastor Colin Nanton delivers a message, "Be A Disciple And Make Disciples" at Life Church in Fort Myers, Florida. (Sunday, August 3rd, 2025 - 11:00​AM) For more information, visit our website at: http://www.lifechurch.net Instagram: www.instagram.com/lifechurchfmy Facebook: http://www.facebook.com/LifeChurchFMY Vimeo: http://www.vimeo.com/lifechurchfmy

The Midwest Food Bank was founded on a farm in Illinois in 2003 and has grown ever since, adding branches around the country including one that covers Florida. The Midwest Food Bank Florida branch opened in Fort Myers in 2014 and has been providing food to its more than 200 partner agencies ever since. These days they're providing tens of thousands of meals every month. They pretty much runs on volunteers — they had about 2000 last year — and they only have six paid employees so they're able to turn every dollar donated into 34 meals. We meet their new Executive Director to get to know him and better understand what they do.

In This Episode Brought to you by our YouTube Member Team Guests: Chief Meteorologist Matt Devitt Storm Front Freaks Education with WxCyrena Outbreak with StormCat5 Forecast WeatherFront is the Official Weather App of the Storm Front Freaks Network Shop Storm Front Freaks in The Wx Store MMFS brings you STORM-net and HurricaneVision at 10% OFF Weatherfools - We present the fools doing stupid things in weather situations Announce Next Show/Guest(s) Check out our YouTube channel and be sure to SUBSCRIBE to be notified of our next stream.  Join our YouTube membership for unique benefits while supporting our content. Our Guest: Matt Devitt Ladies and gentlemen, brace yourselves for a whirlwind of weather wisdom! Our guest is Matt Devitt, the Chief Meteorologist at WINK News in Fort Myers, Florida. Trusted by over half a million fans for his spot-on forecasts, Matt's guided Southwest Florida through storms like Irma and Ian with calm, no-hype expertise. Get ready for a forecast of brilliance!   Subscribe to us on YouTube.com/stormfrontfreaks for our new Education shorts with WxCyrena as well as notification when we go live with Outbreak coverage of storms, tornadoes, hurricanes and blizzards with StormCat5. WeatherFront is now the Official Weather App of the Storm Front Freaks Network!  Find their all inclusive radar, model, satellite, outlook and observations app on the iOS Apple App Store for you iPhone or iPad. 10% OFF for LIFE when you subscribe to STORM-net and HurricaneVision at https://data.mesoscaleforecast.com/account/membership and use the code STORMFRONT at check-out Shop Storm Front Freaks and Outbreak/StormCat5 gear exclusively at thewxstore.com Submit your questions or comments about this show to questions@stormfrontfreaks.com or on our social media accounts and we may read it on our next episode! Weather Fools https://x.com/annvandersteel/status/1944562182965895356 https://x.com/MattDevittWX/status/1944817809302737090 https://www.instagram.com/reel/DMh3fmjtanb/?igsh=dmphbnh1MW0xMDl4 https://www.instagram.com/reel/DMvdtgqtuDq/?igsh=MWM3dWo1YTQ4ejFiNA%3D%3D Next Episode…it's back-to-school time again…UGH!  But we've had a tradition to bring you some of the up-and-coming young superstars in weather and storm chasing.  We're going to welcome Lucy Yeung and Levi Stefanick to the show and hear about their amazing content creation.  Everyone can join us LIVE on Thursday, August 14th at 9pmET/8pmCT right here on YouTube.  Or catch the audio podcast uploaded over the weekend. Twitter: @stromfrontfreak Facebook: @Storm Front Freaks BlueSky: @stormfrontfreaks YouTube:  YouTube.com/stormfrontfreaks Credits Opening Music: Brett Epstein Closing Music: Gabe Cox Other Music: “Pecos Hank” Schyma from El Reno Blues

8.3.25 - Sustain the Flame - Part 1 - Preaching - Pastor Matt Summers // Welcome friends! You are listening to the Podcast for First Christian Church in Fort Myers, Florida. To learn more, join us online at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠fccfm.org⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. It is a blessing to be able to share God's word with you today! Thanks for joining us.

7/30/2025 Starts off with an incredibly interesting question from Coach Jake which the leads the guys down the road with about 10-15 minutes of conversing on the topic. Good chat. We then move right in to talking abut how we think people should be approaching this next week off and the how the decisions they make could impact all of the progress they've made in a positive or negative way. Artist - Florence & The MachineSong - Dog Days Are Over

Jamie Yuccas makes her weekly appearance on the Chad Hartman Show. Scott Korzenowski is in for Chad today. Korzo and Jamie bond over their love for Fort Myers before getting into air quality here in Minnesota vs in California.

Keith discusses the impact of inflation and interest rates on real estate investing, emphasizing passive income strategies.  He highlights the Florida housing market, noting a 26% increase in listings post-pandemic.  Investor and Florida homebuilder, Jim, joins this episode to explain the overbuilding in the emotional market versus the underbuilt workforce housing.  His company focuses on new construction in areas like Ocala, offering 40-year loans with 5.25% fixed rates, and boasting an average tenancy duration of over three years. They also provide two years of free property management and a 10-year builder warranty. Resources: Schedule a free strategy session with a GRE Investment Coach to evaluate the opportunity at GREinvestmentcoach.com Show Notes: GetRichEducation.com/564 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  You get paid first: Text FAMILY to 66866 Will you please leave a review for the show? I'd be grateful. Search “how to leave an Apple Podcasts review”  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— text ‘GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Automatically Transcribed With Otter.ai    Keith Weinhold  0:01   welcome to GRE. I'm your host. Keith Weinhold, what control do you have over inflation and interest rates? Then, with the Florida housing oversupply and resultant attrition and price levels, wouldn't it be interesting to talk to a prominent Florida homebuilder? That's just what we do today on get rich education.   Speaker 1  0:27   Since 2014 the powerful get rich education podcast has created more passive income for people than nearly any other show in the world. This show teaches you how to earn strong returns from passive real estate investing in the best markets without losing your time being a flipper or landlord. Show Host Keith Weinhold writes for both Forbes and Rich Dad advisors and delivers a new show every week since 2014 there's been millions of listener downloads in 188 world nations. He has a list show guests and key top selling personal finance author Robert Kiyosaki, get rich education can be heard on every podcast platform, plus it has its own dedicated Apple and Android listener phone apps build wealth on the go with the get rich education podcast. Sign up now for the get rich education podcast, or visit get rich education.com   Speaker 2  1:12   You're listening to the show that has created more financial freedom than nearly any show in the world. This is get rich education.   Keith Weinhold  1:28   Welcome to GRE from coral, Illinois to Cape Coral, Florida and across 180 nations worldwide. I'm Keith weinholden. You are inside for another wealth building week. This is get rich education, the voice of real estate investing since 2014 with inflation on the upswing and is currently approaching 3% again, the formula is small. Down payment. Bank buys you the house. Tenants pay down the loan. Property Manager handles nearly everything. You collect cash every month. Inflation builds you massive wealth, and that's real estate, all right. And no one really knows what's going to happen with inflation and interest rates, those two positively correlated indicators, but at times we have an illustrious guest that will make a prediction. And GRE episode 224, from January of 2019 has been getting some attention lately. That's back when interest rates of all types were really low, and when I interviewed legendary investor Jim Rogers in Singapore, listen in to what he told you, and I on that episode, then   Speaker 3  2:49   you ask me, we're now headed up again, and interest rates are going to go go much, much, much higher over the next few decades, and it's going to ruin a lot of people. I hope none of your listeners get ruined. I hope I don't get ruined, but rising interest rates are here for a long time. Keith, be worried. Be careful.   Keith Weinhold  3:08   Yeah, some real Jim Rogers prescience there in Episode 224 he has seen some cycles. Now as investors, we've got regional phenomena and national phenomenon mortgage rates. They're a national one, because more or less, whenever you finance property anywhere in the nation, your rate is going to be the same nationwide. Perhaps you feel then like you don't have any control over your mortgage rate. Well, I've got two points to that. First, understand that today, mortgage spreads are almost back to normal. Now, what does that mean? Mortgage spreads from listening to the show, you probably know that the mortgage rate you pay is dictated more on the level of bond yields than it is the Fed funds rate that your own Powell controls. Well, 30 year mortgage rates are historically almost 2% above the bond yield, meaning they're 2% above the yield on the 10 year T note, okay, that's the bond yield. The spread was recently above 3% now it is down to about two and a half. To be clear, mortgage rates are now just about two and a half percent above bond yields in this narrowing, that means there's more investor confidence in the mortgage market, and that suggests that lenders are willing to offer loans at competitive rates without succumbing to volatility. So lenders are less concerned about the risk of you quickly refinancing out of the loan that they just worked to make for you, the translation is that this opens the door to make it easier for mortgage rates to fall to 6% and they've been nearly seven for a while. Though I don't predict rates. I'm speaking about probabilities here. Now some people want to lock up property before rates fall, because when rates fall, many think home prices will surge because more people can afford property than higher demand. And I think we all know that the conventional wisdom is to lock in your price now and then if rates fall, you refinance. Conversely, if rates go higher, well then you'll be glad you bought today when rates were lower. But today we're talking about how you can really control the mortgage rate you pay when you work with a builder that won't only see that your mortgage rate gets bought down, they'll ensure that they are the ones paying for the pie down, not you. That's key, as we talked to a home builder in Florida today, a state that makes headlines for being overbuilt, it's a case study in how a market gets to an overbuilt condition, or does it really get overbuilt? It depends on this segment of the real estate market that you're focused on as an investor, as you'll see today, let's meet this week's guest.    Keith Weinhold  6:05   I'd like to welcome Jim onto the show today. He's one of the founding partners of a prominent Florida home builder. They built over 9000 residences, and they have 120 plus full time employees, and it's been such an interesting time in Florida home building and the real estate market, so that's why we're chatting today. Hey Jim, welcome onto the show. Keith, great to be back. Thanks for having me. Let's talk about the problem statewide. Florida has about 26% more listings, more available housing inventory, as compared to pre pandemic levels. That's created some problems, some price attrition. Talk about, why did Florida get over built? Or are they not truly overbuilt when we segment that by product type.   Jim Sheils  7:02   Well, like you said, Keith, product type is really important to decipher here, because it does help dissect the problem a little more clearly. There's a lot of different markets happening, but two of the main things that I've seen that have caused the softening of certain segments of the market is one insurance if you are buying a 1957 home in southwest Florida, a few blocks from the beach, it is possible that your insurance has gone up four to five times. Yeah, the annual thing. So that is going to really start to shake people who own those properties. They're going to feel a little triggered to sell, and it's going to be more difficult to sell, because if you have an agent go and show that property and they ask for a good faith estimate from a lender, and they say, Well, what's your current insurance? That can really scare people. So that type of property normally properties older before 2004 when the rules changed, with higher insurance, that can change it. The second thing is, the emotional market always seems to take a hit, Keith, and I've heard you talk about this before. Now, the emotional market that I talk about is we have our median value in any of the real estate markets, right? And you go about 25% above the median, maybe 30% above the median values. That's what I call the emotional market. These are the really nice houses that are fun to visit. You know, nice to stay in, nice to live in, but they are emotional. This is an emotional market. The cash flow numbers have never worked. They're not on the ultra high end that those people normally own cash and they don't really care the fluctuation. It's that level above the median where I see the emotional market really take the hit, because when the emotion comes out, while the people it's harder to sell to find the buyers, especially with the rates jumping the way that they have over the last two years, there's not the ability to sit back and say, Well, you know what, Keith, I'm just going to hold this and rent it, because their negative position, their negative cash flow every month, begins to sink them quickly, and so that's where you see that pressure downward on that emotional market. If that makes any sense.   Keith Weinhold  9:06   did Florida really get ahead of itself with the increase in pandemic migration? Was there more building because they projected that high migration rate to continue, and it just didn't. Is that why areas of Florida are overbuilt.   Jim Sheils  9:22   What I believe happened was the migration was there, Keith, but again, you have to look at the sectors of the market. Now, when you're looking at a large national home builder, their goal is to sell the property with the greatest profit spread. It's just that simple, and those are the properties when times are good and times are hot, this emotional market, you know, 20, 30% above the median value for an area that's a very easy time to promote and to sell those types of properties and make the best spread for them. And so, yes, in that area, they got ahead of themselves, because it was easy to market to, easy to promote to. And again. In. Some people untrained investors, or people just emotional and saying, Well, I'm gonna have a second home in Florida, and I'll get there more often than I think I will. That causes that issue now, but going to the lower segment, like the workforce housing, like you and I have talked about, well, that has been underprepared for the migration and affordability. That is my word of the year, affordability, the affordable housing, the workforce housing. When you look at the stats, I think it was last year we found the stat that for every 25 workforce housing, new construction workforce housing, there's 100 renters. And so the workforce housing has been underdeveloped, and why? You know, we're a niche builder. It's very rare for a builder like us to focus on workforce housing. That's not the focus of many of the larger builders. They're on that more emotional market. So that's where we focus. But with builders like us focusing on that, no one else that part of the market, Keith has been under supplied, actually in the last few years, because the net migration didn't need those emotional houses. They needed the workforce housing.   Keith Weinhold  11:05   This is a great distinction. We can look at a stat like there's 26% more available housing inventory in Florida statewide than there was pre pandemic, but you've got to parse that by product type, workforce housing, which you specialize in, including build to rent, housing has not been oversupplied, not nearly to that same extent. It could even be undersupplied, depending on where you're at. These are the properties that make the best long term income properties. I hope you the listener caught it there. Jim gave an important date. 2004 is a key year when there were changes to building codes, which results in what your insurance premiums are going to be. Tell us more about that.    Jim Sheils  11:50   Yeah, 2004 right through Punta Gorda, Florida, where we build now. There was Hurricane Charlie came through. My dad's cousin, I have actually lived there at the time. I mean, that place got decimated. Keith, it got absolutely decimated, and the government called timeout. They said, timeout. Okay, we got to stop this. New rules. Moving forward, we're going to change the structural design requirements. We're going to change the elevation requirements. This is the big one. So you know, back in the day, you and I, if we were back in 1962 in Fort Myers, Florida, we could build a house at two feet or three feet above sea level. Those days are gone. If you're going to build a property like going back to Punta Gordon, now today, you have to build it 13 to 14 feet above sea level. So that means builders like us got to bring in a lot of dirt, and we grumble and complain about it until a storm goes through and we have no flooding on any of our properties. But that was a requirement, then stronger fasteners and structural design, because they just didn't want that risk or this type of damage. And it's been interesting, because they've been two hurricanes, you know, since 2004 that have really gone right over the eye. The main power of the storm has gone through. Punta Gorda. I've actually showed this on some videos that we've done on YouTube, like the flyover the next day, and you would think, Oh, well, maybe there was like a strong wind that went through, because there's palm fronds down and some fencing, but the houses are intact, and it's because things had to be rebuilt to today's standards. So I always tell people, hey, you know, we'd love to help you get a house, but if you're just going down there to find a house, I would highly recommend you look at the elevation and look if your house was built before the year 2004 or after, because that is really when things started to change. Not that a house earlier might not have what you're looking for, but elevation is such a key component when you're near coastal areas in Florida, the elevation of your home.   Keith Weinhold  13:41   Is it that simple? Pre 2004 you're likely to pay substantially higher insurance premiums on your Florida property than you are if the build year was 2004 or later.   Jim Sheils  13:52   It's a main component, Keith, another component will be to that is, you know, how close are you to the beach? If you're within, you know, a half a mile of the beach that can have an on lower ground of an older property, those combinations for risk analysis for an insurance company will come up not in your favor, and so you have to put that into account too. Again, the further you move inland, especially the further you move north, and the further you move inland in Florida, the insurance premiums go down because the risk assessment of the last 100 Years of hurricanes has been so much dramatically lower of actually causing issue.   Keith Weinhold  14:29   We'll talk about the Florida areas that you build in later. But first, let's just pull back. Talk about statewide. How bad is it? How bad is it with the overbuilt condition in some segments of the residential market, and how that's led to price attrition, a lack of rent growth or rental occupancy rates that are hurt potentially. Can you speak to that? How bad is it now,   Jim Sheils  14:54   again, going to the segment of the emotional market, so we're talking 20 to 30% above the median. In price in an area that's going to be bad, that's where you're going to have to have downward pressure. You're going to have to your property may have appreciated Well, if you did in 2020, but you're not selling a peak pricing. You're going to have to come off your numbers a good amount, because there's not as many buyers. And also, you got to remember, coupled with that pricing coming down, it's also the interest rates we got pretty spoiled. You know, three and a half percent interest rates, two and a half percent interest rates for some homeowners, that's just not the norm now. So when you're going off those numbers, the affordability, the ability to make that payment, has really been affected. So that emotional market, I think we're going to see a continued softening in that and again, in that emotional market too. To what I saw was, and I own some short term rentals, and I like short term rentals, but what we saw there was a rush, like, almost like a California gold rush, here in Florida, to people coming in and buying what they consider a short term rental, which was not really desirable for short term rent. It could get a few people here and there, but they would buy it, this emotional market, and then the numbers wouldn't work out. Now that, as well, is starting to put pressure on people saying, Oh, I'm losing so much money every month. Let's just sell and again, that emotional market, that area, 20, 25% 30% above median value. That's where we're seeing that. So you're going to see some pressure downward of that, I'd say at least another 10% because there's already been a dip in some areas 15 to 20% so there has been a correction in those and I think we'll continue to see that until some of this stabilizes.    Keith Weinhold  16:32   Talk to us about how the rental segment's doing, statewide   Jim Sheils  16:36   rental, we saw a stagnation for about a year and a half to two years, and just in the last six months, we've seen an increase in some of our main markets here. Again, when I say they main markets here, I'm always speaking, because that's what we stick to, the workforce housing. So we've seen workforce housing some of our main central Florida markets and some of our Northeast markets go up another 50 to $100 which was great, because it was stagnant for about two years. About two years. And then you'll see a continued dip of probably, you know, 10 to 15% on some of that emotional market rentals, because now there's a rush to try to rent them, and again, there's not as much of a demand for that segment of the market.    Keith Weinhold  17:17   We're talking with a prominent Florida home builder about Florida's temporarily overbuilt residential housing type. We've already learned that 2004 is a key year for what your insurance rates are likely going to be. We've also learned about how you need to segment these residential housing markets between workforce housing and the emotional side of the market. You're listening to get rich education more when we come back on Florida real estate, I'm your host, Keith Weinhold.   Keith Weinhold  17:46   the same place where I get my own mortgage loans is where you can get yours. Ridge lending group and MLS, 42056, they provided our listeners with more loans than anyone because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage. Start your pre qual and even chat with President Chaley Ridge personally while it's on your mind, start at Ridge lendinggroup.com that's Ridge lendinggroup.com.    Keith Weinhold  18:18   You know what's crazy, your bank is getting rich off of you, the average savings account pays less than 1% it's like laughable. Meanwhile, if your money isn't making at least 4% you're losing to inflation. That's why I started putting my own money into the FFI liquidity fund. It's super simple. Your cash can pull in up to 8% returns, and it compounds. It's not some high risk gamble like digital or AI stock trading. It's pretty low risk because they've got a 10 plus year track record of paying investors on time in full every time. I mean, I wouldn't be talking about it if I wasn't invested myself. You can invest as little is 25k and you keep earning until you decide you want your money back. No weird lockups or anything like that. So if you're like me and tired of your liquid funds just sitting there doing nothing, check it out. Text family tp 66866, to learn about freedom. Family investments, liquidity fund, again. Text family to 66866,   Kristen Tate  19:29   this is author Kristen Tate. Listen to get rich education with Keith Weinhold, and don't quit your Daydream. You   Keith Weinhold  19:46   welcome back to get rich education. Jim is with us, a prominent Florida home builder, and it's so interesting to talk to a home builder today because you think a Florida is overbuilding Ground Zero, even though, paradoxically. Nationally, we're still in a somewhat under built condition, where there's somewhat of a lack of available housing supply. Now, back on our April 28 show, exactly three months ago today, which I know that you listened to Jim, that show was titled, is Florida real estate doomed? And the short answer is no and I gave a number of reasons for that. You don't want to catch a falling knife as an investor. One prominent reason that Florida real estate is not doomed, and you're not catching a falling knife, and this is so close to being 100% predictable, is the fact that the growth is going to be there. It always has been in Florida, the in migration has been remarkable. If you go back and look at every census over about the last 200 years, since 1830 Florida has grown substantially every single census, oftentimes and usually at a rate greater than the national average. So in migration is almost certainly going to continue, which, over the long term, will put upward pressure on prices, upward pressure on rents, and help with rental occupancy as well. When you have a vacancy, that next incoming tenant is going to be there, I think that's about as close to predictable as it can possibly get. So talk to us more about the dynamics in Florida and the in migration.   Jim Sheils  21:26   It's funny, Keith, last year the net migration, and you can check through all the stats out there. The net migration number for Florida, that means more people, obviously coming in than leaving, and the surplus was just about 470,000 so we still have a growth of 470,000 and people have set up. Florida. Net migration is over. And I'm going, well, it was pretty superb during the pandemic, but to say it's over when it's about a half million up from last year, I think would be a misconception for at the very least. So we feel the people are still coming, and we're asking, what kind of housing do they need? Do they need that higher end, emotional market housing? Not what we're seeing, what they're needing is affordability. They're going to areas where there's still great job source, there's still great affordability, and that's what we look for. Where can we still build a new construction, single family home for under $300,000 and have great job source close by. That's one of the things that we look for. Also, where is there that under supply of that workforce housing? There are very key markets in Florida that you know about that we build in. We're saying, yeah, there's lots of stuff on the market up there, but there is no supply of this workforce housing. We're going to keep building. And as you know, we have not stopped building the last two years, when a lot of people have run for the sidelines because they weren't in our sector of the market.   Keith Weinhold  22:48   Of course, you're very strategic about where you build geographically. Talk to us about where those places are   Jim Sheils  22:54   right now. Keith, my pick of the year has been the greater Ocala region, and I know we've been working with a lot of GRE folks in that region. Couple of reasons why, still had the strongest migration of any area in the US. And you can look that up. U haul had it as number one destination place. This was when I say greater Ocala. I look at Ocala, citrus springs, Inverness, that central Florida area. You know, still in some of those markets, Keith, we're building homes for 200 60s, 270,000 that's new construction, and enabled to get great rent and great financing, which no we'll talk about. And the job source is remarkable right now. In fact, interesting statistic, Keith, I know you watch this closely. In Ocala, the median price of a home is just around 300,000 main Ocala, you can get cheaper when you go out to citrus springs and Inverness, down to the 260s 270s but the median family income is 72,000 and when you look at that, that is a very good affordability index. That's very high average family income compared to a low median price, and that's bringing in more jobs. That's bringing in more security. Couple that with Central Florida being one of the lowest hurricane risk zones in the state. It's the highest ground. It's the furthest inland, in fact, to ensure a single family home on average in that area, about $65 a month for full coverage, wow, for a duplex, $105 a month, full coverage. And that's the advantage of new construction buying in the right areas or low hurricane risk zone and great job source coming in. So my favorite market right now, Keith, is that Central Florida, Ocala, citrus springs, Inverness, that's where we're building. Oh, that's also when people say it's overbuilt. Well, no, because we know that we're actually building for a few of the big institutions that have way bigger analysis departments than we do, and they're seeing that it's so behind on housing that people are finally going in. It was kind of an overlooked market all through the pandemic for the most part, and now it's finally getting people's attention.   Keith Weinhold  24:58   A couple months ago. On the show, I shared how a close friend purchased a new build Ocala duplex through you, the rents he got were even a little higher than you projected, and his insurance premium is $694 again, this is for a duplex. I forget. I think the purchase price was 400 to 420k on this new build property.   Jim Sheils  25:23   Yeah. And it's funny when people, we have lots of investors coming from all over, but I was in California's, know, for years. And when people hear a quote like that, like that, you just said 650, $6 they think that's for the month. And I say, No, no, no, that's for the year. And again, that's the misconception now, but you could pick up and you could go to a coastal area again, like I said in a 1952 duplex built at two feet above sea level that's had hurricane issues before, and your insurance could be $8,000 a year. Yeah, that's where you have to really shop before you actually pull the trigger on property. What are the taxes? What are the insurance? I mean, this is going back to core play, core strategy, but it's something you really have to look at   Keith Weinhold  26:07   talk to us about the product types that you're offering, all new build, and what percent of single family, duplexes and larger   Jim Sheils  26:15   the main majority of what we're building right now is single family and duplex. The numbers work great. They're in high demand. You know, duplexes are a pretty interesting product, Keith, because you can put them in single family home neighborhoods, and, you know, families that couldn't normally rent, afford to rent a full house there, can avoid an apartment building, still feel like they have their own home and afford to be in that neighborhood. So I'd say 80% of what we're doing is a combination of single family home and duplexes, and then, as you know, we still are building some of our quads, our four unit buildings in some areas of northeast Florida, like Jacksonville,   Keith Weinhold  26:50   expenses have obviously been on the mind of real estate investors. More so since interest rates doubled to tripled in 2022 you're selling to investors. Investors need the numbers to work. Since they're not in the emotional market, we're in the market where we're looking at numbers, and that biggest expense, of course, is your mortgage principal and interest. So you found a way to deal with high insurance premiums, because on most or all of your properties that you sell to investors, those insurance premiums are excessively low. Talk to us about what you've done with the mortgage rates, for investors   Jim Sheils  27:27   it's such an important point here, Keith, I remember hearing a warren buffett thing years ago saying, Well, I'm not really in the real estate and that, but for me, when I look at it, a house is worth what it can rent for. And that always stuck with me being Warren Buffett, even though he's not heavily invested in real estate like we are. But for get his sage advice on that that's always stuck with me. So when you're getting a property, yes, you want to have fair price, but the terms around it that actually produce the cash flow, or what's the condition of the property, where is it? But then the other fundamental numbers, what is your insurance? What are your taxes? And then the final big thing is, if you're leveraging, which I encourage, what's your mortgage? And so as you know, we're probably as obsessed with financing as we are with building right, cuz that's our model. We gotta build right. We gotta finance right. So we're always looking for the most advantageous programs where we can team up with banks. They'll allow us to pay an abnormal amount of points, which means discount points that we will pay, not the buyer, we will pay for our buyers to get the rate the lowest and most advantageous. We don't like short term teaser loans, where your rate's going to adjust in 18 months or two years. We saw a lot of people get in trouble with that, at least I did back in the Oh 708, days. So we want long term financing and low interest that's going to produce a cash flow, even though it's new construction from day one. And so right now, our newest program, as you and I have been talking about very excited, is actually a 40 year loan. It's a 40 year loan. We're paying the rate down. Right now we're at five and a quarter. A few weeks ago is at 4.75 so it does fluctuate back and forth. But here's what's exciting, Keith, you're leveraging into a new construction property that has longevity and durability. The first 10 years. Interest only the next 30 years is a 30 year AM, 30 year fixed at five and a quarter. So when you start to do the numbers and go through it, we're almost doubling cash flow on our single family homes and duplexes for people in areas like Ocala, and that makes such a difference to getting them off on the right foot.    Keith Weinhold  29:32   This is a key distinction. Rather than focusing on slashing the price and your properties are already affordable, you buy down that rate by purchasing discount points to buy down that mortgage rate for the investor at the terms that you just described. Builders often like this more. They don't want to cut their prices, because that can become a comparable and lead to a downgrade in values. And investors actually like it more as well, because rather than discounting the price. A little more. It helps the investor more. When you buy down that rate and you do it for them, they are not the ones participating in the rate. Buy down you, the investor. You're paying the closing costs like origination fee and title insurance and things like that. Okay with those 40 year loan terms like you laid out fixed interest only for the first 10 years, and then after 10 years, it transfers to a 30 year fixed, amortizing loan, still with that same rate locked in. Is that right?   Jim Sheils  30:29   That's correct. So there's no sometimes people think, oh, then it's going to trigger upwards several percent. It stays the same the whole 40 year term. We just go from interest only to principal and interest and again, you know, because you talk about the leverage all the time, the most important time to really solidify the strength of an investment and get cash flow going. The most pivotal time is in those first few years. Yeah, we feel we're really giving people that strong foundation to get a cash flowing right off the bat and be able to look long term. The great thing about new construction is people say, Could you hold it that long? I said, I'm planning to with some of my new constructions. Hopefully I'll be a little old man or my children will own them. But you can look out that far and know that you're jumping your cash flow in those initial years when a lot of people may be falling backwards. In fact, when we talked about those emotional markets where people bought higher end properties because they looked good and they felt good to walk through, and then all of a sudden they're bleeding month in, month out for a year, two years, three years. That's when they're ready to wave the white flag. We find with our model, with getting that rate really low, we're accentuating the cash flow forward those first few years, Keith, so they're ready to keep going after a few years, instead of raise the white flag.   Keith Weinhold  31:41   Yeah, when we think about how you're helping investors here while moving product at the same time, the number of problems that are solved are remarkable because you're solving the higher mortgage rate problem by buying down the rates. You've got a low rate, you've got a low insurance premium, you as the investor are almost certainly going to have low maintenance and repair costs since it's new build. And what else do you do when it's new build? The tenant, when they move in, they're the first person that's ever lived in that property, which probably means they're going to have a longer tenancy duration, because it's hard to move up and move into something better than the product you're offering, especially with low affordability for first time homebuyers. In fact, tell us about your average tenancy duration   Jim Sheils  32:21   yeah. So as you know, Keith, I did a ton of fixer uppers. First 15 years of my career, I wore that rehab badge on my shoulder with pride. I loved rehab and old houses. And look, that's great. That's a great way to get going. But I transitioned into new construction a decade ago, and so we've been able to do a lot of comparisons. And you know, back in the day, when I was fixing up lots of properties and renting them out, the older properties, my average tenant would stay about 13 months. It was a little over a year, get them for a year, and then there was move. But that was the average 13 months. Looking back now, and we've been doing this almost a decade. When you look at our new construction model, that went from an average of about 13 months to just over three years with our new construction product. So as you know, if all of a sudden we're pushing back that first move out from a year or 13 months to over three years, that's a tremendous way again to get the right footing and directional on your investment. So that was a really pleasant surprise. I did not expect going to new construction, but jumping from a year to three years has been a nice surprise.   Keith Weinhold  33:24   This brings to mind for you as a passive investor, it's sort of analogous to buying an existing business or starting a new one from scratch yourself, whether it's a rental car company or a tomato farm. You know, a lot of people wouldn't think about getting into business, they think about buying their own business, starting it from scratch, and that's really difficult to do when you're an investor. This way, you're not doing a fix and flip yourself, which is analogous to starting your own business from scratch. You get to buy someone's existing business. You're buying an existing property, a new build one, in this case, and that way you can look at all the financials already and have it be done for you in that all done for you sort of way, just like it is here. Well, Jim, do you have any last thoughts about the Florida real estate market today, especially with the lucrative product type that you're offering to investors?    Jim Sheils  34:16   I would just remind people do your homework, because there's apples and there's oranges, and you gotta compare the two, and you have to do the homework on which segment of the market is healthy and which one is not. I wouldn't recommend you invest in the unhealthy segment of the market, but look where the fundamentals are working. And go back to that term, a house is worth what it can rent for. And if you can look at that, and also couple with stability of new construction, this is where we've seen ourselves make the most money most success with the least amount of time for our investors. So I highly encourage that recipe for anyone out there.   Keith Weinhold  34:53   In addition to being a builder, Jim's company also holds properties under management. For investors, just like you, they offer that for you. For the long term, they have over 1000 current investors, many of them are GRE listeners. You can learn more about the provider at GRE marketplace under Florida statewide, but to get a free strategy session about the latest in what they have for available inventory, and also to compare this provider to other providers, the highest flex, the highest ROI move that you can make yourself as the listener for your due diligence is to connect with a GRE investment coach. It's free at GRE investment coach.com, oh, it's been valuable. Jim, thanks for coming onto the show.   Jim Sheils  35:38   Thanks for having me. Keith.   Keith Weinhold  35:46   Oh, yeah, hearing it straight from a builder today. And you know, a lot of builders create these nice looking, emotional Type homes, the same ones that appeal to owner occupants. They build those higher end homes because they create more builder profit. Well, that's the segment that has become overbuilt today, this build to rent provider we're talking about here is dealing with a public that reads these articles about the Florida slowdown, though things are still good in this workforce housing market. Well, because the public reads headlines, this builder still has to step in with incentives. So really, this is a case study on what a home builder needs to do to adjust to public perception more so than the reality. That's why Jim and his company keep building when others are they keep building because they keep selling to savvy investors, including you, the GRE listener, conversely, the overbuilt emotional market segment, that's where Florida single family home prices are often about 500k or more, and many of them have stopped building. It's that here, with this workforce housing, brand new, single family rentals sell for the high 200k to 300k range in the three hundreds and duplexes in the four hundreds. We've been working with this provider for nearly a decade, and I've asked them, what can you do for GRE listeners? And these are the best incentives yet, is they basically are making discounts in your favor to deal with this public perception. And they are an interest rate buy down that they make for you, like we mentioned, currently to five and one quarter percent. They're also giving GRE listeners two years of free property management, a rental Protection Program, a six month eviction guarantee and a 210 builder warranty. When you see a builder warranty expressed that way, that means they cover two years on the small stuff, 10 years on the big stuff. The latest pro forma that I saw for their single family rentals had a purchase price of 325k and a cash on cash return of nearly 7% when you include all those generous incentives. So if you're looking for a new market to expand into the time and place could very well be here and now, some people wait for blue sky and everything to be perfect before they act well, that never happens. This is about as close as you'll get today. You'll either keep what you've got or change what you're doing here, Jerry, we constantly shop the nation for you. Our coaches help show you where those deals are that they found. And this is a potential opportunity. Here you can get on the calendar of one of our investment coaches for free. And if you like, start by asking about Florida new build property with all the incentives that you heard about here on GRE podcast, 564 at GRE investment coach.com until next week. I'm your host. Keith Weinhold, don't quit your Daydream.   Speaker 4  39:09   Nothing on this show should be considered specific, personal or professional advice. Please consult an appropriate tax, legal, real estate, financial or business professional for individualized advice. Opinions of guests are their own. Information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of get rich Education LLC exclusively.   Keith Weinhold  39:32   You know, whenever you want the best written real estate and finance info, oh, geez, today's experience limits your free articles access, and it's got paywalls and pop ups and push notifications and cookies disclaimers, it's not so great. So then it's vital to place nice, clean, free content into your hands that adds no hype value to your life. That's why this is. The Golden Age of quality newsletters, and I write every word of ours myself. It's got a dash of humor, and it's to the point because even the word abbreviation is too long, my letter usually takes less than three minutes to read. And when you start the letter, you also get my one hour fast real estate video, course, it's all completely free. It's called the Don't quit your Daydream. Letter, it wires your mind for wealth, and it couldn't be easier for you to get it right now just text gre to 66866, while it's on your mind, take a moment to do it right now. Text, gre to 66866   Keith Weinhold  40:48   The preceding program was brought to you by your home for wealth, building, getricheducation.com  

Alvin Key delivers a message, "The Privilege of Priesthood" at Life Church in Fort Myers, Florida. (Sunday, July 27th, 2025 - 11:00​AM) For more information, visit our website at: http://www.lifechurch.net Instagram: www.instagram.com/lifechurchfmy Facebook: http://www.facebook.com/LifeChurchFMY Vimeo: http://www.vimeo.com/lifechurchfmy

7.27.25 | "What Do You Have To Lose?" | Bishop R. L. Williams by The Rock Church of Fort Myers

7.27.25 - Situationship - Part 4 - Preaching - Pastor Marcus Miller // Welcome friends! You are listening to the Podcast for First Christian Church in Fort Myers, Florida. To learn more, join us online at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠fccfm.org⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. It is a blessing to be able to share God's word with you today! Thanks for joining us.

Florida mother and son team rob arcade in Fort Myers..mom was the getaway driver, Man in England snaps his Achilles tendon while trying to escape seagull attack...ends up missing his daughter's wedding, Florida Man working at Chuck E. Cheese arrested while in full costume for credit card fraud

In this special Unpacked bonus episode, we're going behind the scenes of our newView From Afar podcast, which spotlights the people and the ideas shaping the future of travel. Afar editors traveled to the floor of IPW, the annual travel conference organized by the U.S. Travel Association to share the best of America with the rest of the world.  In this episode, we hear from Afar editorial director Billie Cohen, who conducted interviews over two intense days, covering everything from major cities like New York and Boston to more under-the-radar places like St. Louis and Buffalo. What emerged were fascinating themes about welcoming international travelers, the economic realities of tourism, and how destinations are bouncing back from natural disasters faster than you might think. Billie shares why these conversations left her more excited than ever to explore America—and yes, even try that controversial St. Louis pizza. On this episode you'll learn: Why international visitors make up only 20 percent of NYC tourism but contribute 50 percent of tourism spending How destinations like Asheville and Fort Myers are ready for visitors much sooner after disasters than you'd expect The creative ways cities are spreading tourism benefits beyond traditional hotspots through neighborhood storytelling Why St. Louis might be America's most underrated arts destination (with surprising Monets and opera premieres) Don't miss these moments: [03:58] The economic reality: Buffalo losing 20% of its Canadian visitors this year [05:56] Why disaster-hit destinations need visitors for recovery, not just sympathy [09:26] St. Louis's free cultural offerings that rival DC's Smithsonian museums [12:38] Billie's skeptical New Yorker take on St. Louis pizza and why she's willing to try it anyway [15:00] The delicate balance between promoting neighborhoods and over-touristing them Explore More Head over to View From Afar to hear Billie's full conversations with these destination leaders who are reshaping how we think about American travel: Martha Sheridan, president and CEO of Meet Boston, talks about how this most American of cities is celebrating in 2026. Julie Coker, president and CEO of New York City Tourism and Conventions talks about NYC's plans for its 400th birthday. Tamara Pigott, executive director of Visit Fort Myers, shares how she's transformed southwest Florida into a world-class destination that offers much more than gorgeous beaches. Carolann Ouellette, President of the Maine Office of Tourism, on how the outdoors is essential to the state's economy and its communities. Brad Dean, President and CEO of Explore St. Louis, discusses why he chose the Gateway City over offers from New York and Chicago and how America's heartland is ready for a renaissance. Patrick Kaler, president and CEO of Visit Buffalo Niagara, talks about Buffalo's rich architectural and Black history. Walt Leger, President and CEO of New Orleans & Company talks about the city's vibe and where to go beyond the French Quarter. Helen Hill, executive director of Explore Charleston, talks about the importance of showing a city's true history. Vic Isley, president and CEO of Explore Asheville, talks about the resilience of people and western North Carolina. Be sure to subscribe to the show and to sign up for our podcast newsletter, ⁠Behind the Mic⁠, where we share upcoming news and behind-the-scenes details of each episode. And explore our second podcast, ⁠Travel Tales⁠, which celebrates first-person narratives about the way travel changes us. Unpacked by Afar is part of ⁠Airwave Media⁠'s podcast network. Please contact ⁠advertising@airwavemedia.com⁠ if you would like to advertise on our podcast.

7/23/25 We meet again...on today's episode we talk over how awesome this training week has been for not only ourselves, but for the gym in its entirety and we go over how great it has been at the Free Trial Class when people are bringing their kids into the class to participate!! We then take an immediate turn into breaking down the CrossFit Games released workouts so far and we had a lot of fun with that. Artist - Kanye West Song - Someday

7.22.25 | "That My House May Be Filled" | Bishop R. L. Williams by The Rock Church of Fort Myers

It's Tuesday, July 22nd, A.D. 2025. This is The Worldview in 5 Minutes heard on 140 radio stations and at www.TheWorldview.com.  I'm Adam McManus. (Adam@TheWorldview.com) By Kevin Swanson U.S. Christian statesmen call attention to persecution of Christians U.S. Republican Congressman Riley Moore of West Virginia and Republican Senator Josh Hawley of Missouri introduced a congressional resolution (H. Res. 594) condemning the widespread and ongoing persecution of Christians in Muslim-majority countries. On April 30th, Congressman Moore took a stand on the floor of the U.S. House. MOORE: “Today, I rise to address a grave and urgent crisis: the rampant persecution of Christians in Africa and the Middle East. Across these regions, our brothers and sisters in faith experience violence, displacement, and death for their belief in our Lord, Jesus Christ. No person or community should ever face such brutal conditions for acknowledging the name of Jesus. “In Nigeria, the situation is dire! More Christians face persecution there than any other nation combined. Since the outbreak of the Boko Haram's insurgency in 2009, more than 18,000 churches and 2,200 Christian schools have been destroyed in northern Nigeria alone. “More than 50,000 Christians have been killed, and more than 5 million have been displaced since 2009, making it the most dangerous country in the world for Christians.” The July 17th resolution highlights the horrific slaughter of Christians in Nigeria, pastors arrested in Algeria, the torture of Christians in Yemen, the imprisonment of Christians in Iran, and other persecution taking place in Pakistan, Afghanistan, Tajikistan, Turkey, Syria, and Saudi Arabia. The statement urged U.S. President Donald Trump to “prioritize the protection of persecuted Christians in U.S. foreign policy, including in the President's diplomatic engagement with Muslim-majority countries and his efforts to stabilize the Middle East.”   It further urged him to “use all diplomatic tools available, including within trade and national security discussions and negotiations, to advance the protection of persecuted Christians worldwide and within Muslim-majority countries.” Colorado Christian bookstore files lawsuit against state over pronouns A Colorado Christian bookstore is suing the state for imposing recent changes to the Colorado Anti-Discrimination Act on businesses. Born Again Used Books in Colorado Springs has filed the suit through Alliance Defending Freedom, pointing out the infringement of the business' freedom of speech under the First Amendment to the U.S. Constitution.   The suit states that under Colorado's laws, “It is now illegal for public accommodations, like independent bookstores, to refer to transgender-identifying individuals with biologically accurate language in their publications and customer interactions.” And "Born Again Used Books must instead profess an ideological view it opposes, contradict the message espoused in the very books it sells, and avoid explaining its Christian beliefs about human sexuality in store and online. In effect, the law requires this Christian bookstore to abandon its core religious beliefs." London Pentecostal church now allowed to share Christ in streets A London Pentecostal church has achieved a reversal of a ban on evangelistic outreach on the streets, reports The U.K. Standard. The local government had passed an Anti-Social Behavior, Crime and Policing Act forbidding the use of amplification equipment, the distribution of religious literature, and the display of Bible verses at the town center.  The Kingsborough Centre Church filed for judicial review, and obtained a reversal.   The City also paid the church's legal costs incurred during the ordeal. Isaiah 43:16-17 says, “Thus says the Lord,  Who makes a way in the sea, a path in the mighty waters, Who brings forth chariot and horse, army and warrior; they lie down, they cannot rise, they are extinguished, quenched like a wick.” Brazilian Supreme Court restricts former president Jair Bolsonaro Brazil's previous conservative president, Jair Bolsonaro, has come under severe restrictions by the Brazilian Supreme Court, reports Folha News. This comes days after U.S. President Donald Trump announced a 50% tariff on Brazilian goods. Bolsonaro was forced to wear an electronic ankle bracelet. He cannot access social media accounts, and is prohibited from contacting his son who lives in the United States. The former Brazilian president has denied any responsibility for Trump's decision to impose tariffs, but also recently publicly thanked God for the election of Trump. Department stores are going bye-bye Department stores are a thing of the past.   Thirty years ago, these stores captured 9% of all retail sales. Today, they account for only a half percent. Meanwhile, e-commerce (like Amazon and walmart.com) now take 17.2% of total retail sales up from 5.4% of the pie in 2003. Dropping condominium prices a bad sign Condominium prices usually lead price declines on an imploding house market. This real estate is dropping like a rock in some big cities.  The big losers right now are Oakland, California and Austin Texas, with a 24% drop, followed by St. Petersburg, Florida, Fort Myers, Florida, Sarasota, Florida, San Francisco, California, Boise, Idaho, and Denver, Colorado. New president announced at G3 Ministries Dr. Scott Aniol has been appointed the new president of G3 Ministries after Josh Buice's removal from office earlier in the year. The elders of Pray's Mill Baptist Church had uncovered irrefutable evidence that Buice has, for the past three years, operated at least four anonymous social media accounts, two anonymous email addresses, and two Substack platforms. These accounts were used to publicly and anonymously slander numerous Christian leaders, including faithful pastors -- some of whom have spoken at G3 conferences. The G3 Church Network subscribes to the 1689 Second London Baptist Confession, and claims 200 U.S. churches in the network. Dr. Aniol obtained his Doctorate degree in Theological Studies from Southwestern Baptist Theological Seminary. Fusion energy technology could power the world And finally, fusion energy technology is advancing, and may soon be a reality — an unlimited source of power for the world. Earlier this year, China's Experimental Advanced Superconducting Tokamak broke the world record for maintaining its artificial sun, and sustaining the hot plasma — confining plasma for an extraordinary 1,066 seconds, or about 18 minutes. A tokamak is a device that uses magnetic fields to confine and heat plasma, a state of matter where atoms are stripped of their electrons, to extreme temperatures, enabling nuclear fusion to occur.  A German fusion reactor at the Max Planck Institute for Plasma Physics, also just hit a record of 43 seconds of plasma heating, producing 1.8 gigajoules over a six-minute run. The sun is the original fusion reactor. As Psalm 19:1 and 4b-8 puts it: “The heavens declare the glory of God, and the sky above proclaims His handiwork. … In them, He has set a tent for the sun, which comes out like a bridegroom leaving his chamber, and, like a strong man, runs its course with joy.  Its rising is from the end of the heavens, and its circuit to the end of them, and there is nothing hidden from its heat.” Close And that's The Worldview on this Tuesday, July 22nd, in the year of our Lord 2025. Follow us on X or subscribe for free by Spotify, Amazon Music, or by iTunes or email to our unique Christian newscast at www.TheWorldview.com.  Plus, you can get the Generations app through Google Play or The App Store. I'm Adam McManus (Adam@TheWorldview.com). Seize the day for Jesus Christ.

Pastor Ryan Deaton delivers a message, "The Cross Shaped Life" at Life Church in Fort Myers, Florida. (Sunday, July 20th, 2025 - 11:00​AM) For more information, visit our website at: http://www.lifechurch.net Instagram: www.instagram.com/lifechurchfmy Facebook: http://www.facebook.com/LifeChurchFMY Vimeo: http://www.vimeo.com/lifechurchfmy

Dr. Duane White delivers a message, "God Speaks Sign Language" at Life Church in Fort Myers, Florida. (Sunday, July 13th, 2025 - 11:00​AM) For more information, visit our website at: http://www.lifechurch.net Instagram: www.instagram.com/lifechurchfmy Facebook: http://www.facebook.com/LifeChurchFMY Vimeo: http://www.vimeo.com/lifechurchfmy

Pastor Ryan Deaton delivers a message, "No Words" as Part 3 of the series titled "Immersed: Spirit, Truth, and Power" at Life Church in Fort Myers, Florida. (Sunday, July 6th, 2025 - 11:00​AM) For more information, visit our website at: http://www.lifechurch.net Instagram: www.instagram.com/lifechurchfmy Facebook: http://www.facebook.com/LifeChurchFMY Vimeo: http://www.vimeo.com/lifechurchfmy

7.20.25 | "The Missio Dei" | Rev. Paul Hicks by The Rock Church of Fort Myers

7.20.25 | "Stop, Thief" | Rev. Paul Hicks by The Rock Church of Fort Myers

In This Episode Brought to you by our YouTube Member Team Storm Front Freaks Wicked Weather Report - The latest weather news from the last couple of weeks Guests: Storm Chasers Gabe Cox and Jeremy Hamann Storm Front Freaks Education with WxCyrena Outbreak with StormCat5 Forecast WeatherFront is the Official Weather App of the Storm Front Freaks Network Lightning Round: Late Night Family Feud Shop Storm Front Freaks in The Wx Store MMFS brings you STORM-net and HurricaneVision at 10% OFF Weatherfools - We present the fools doing stupid things in weather situations Freak Fanbox Announce Next Show/Guest(s) Check out our YouTube channel and be sure to SUBSCRIBE to be notified of our next stream.  Join our YouTube membership for unique benefits while supporting our content. Our Guests Gabe Cox and Jeremy Hamann Ladies and gentlemen, hold onto your hats because we're diving into the eye of the storm with two absolute superstars! First up, Gabe Cox, a filmmaker and storm chaser whose jaw-dropping footage has electrified Emmy-nominated live tornado coverage, lit up Netflix's Earthstorm, and powered the 2024 blockbuster Twisters. As the mastermind behind StormReel, Gabe's revolutionized how we experience nature's fury, capturing the raw beauty of storms like no one else. Joining him is his co-host and brother-in-arms, Jeremy Hamann, a Colorado-based storm chaser, podcaster, and artist who brings heart and hustle to the chase. Together, these two bring you stories where people and weather collide—get ready for a whirlwind of passion, grit, and unforgettable tales from their StormReel podcast!   Subscribe to us on YouTube.com/stormfrontfreaks for our new Education shorts with WxCyrena as well as notification when we go live with Outbreak coverage of storms, tornadoes, hurricanes and blizzards with StormCat5. WeatherFront is now the Official Weather App of the Storm Front Freaks Network!  Find their all inclusive radar, model, satellite, outlook and observations app on the iOS Apple App Store for you iPhone or iPad. 10% OFF for LIFE when you subscribe to STORM-net and HurricaneVision at https://data.mesoscaleforecast.com/account/membership and use the code STORMFRONT at check-out Shop Storm Front Freaks and Outbreak/StormCat5 gear exclusively at thewxstore.com Weatherfools Links Dina - As Daniel Shaw says…Everything in Australia is trying to kill you Cyrena - Hmm…that was close Cyrena - I'm in a tornado Cyrena - Double the water spout fun Phil - From Fuzzy...Living is good in New Jersey Phil - From Lunalight/Christine...Dumb enough to fuck others over Phil - From Momma G...this is an absolute dream Phil - Absolute Karma Phil - From Mikey...Leave it to the professionals Phil - From Mikey...Flaccid Forecast  Submit your questions or comments about this show to questions@stormfrontfreaks.com or on our social media accounts and we may read it on our next episode! Next Episode…tropical storms are knocking on the door and we've got the Chief Meteorologist in Fort Myers, Florida, Matt Devitt joining us to share some stories and hurricane forecasts.  Everyone can join us LIVE on Thursday, July 31st at 9pmET/8pmCT right here on YouTube.  Or catch the audio podcast uploaded over the weekend. Twitter: @stromfrontfreak Facebook: @Storm Front Freaks BlueSky: @stormfrontfreaks YouTube:  YouTube.com/stormfrontfreaks Credits Opening Music: Brett Epstein Closing Music: Gabe Cox Other Music: “Pecos Hank” Schyma from El Reno Blues

7/16/2025 We finally have an episode again LOL I know its only been one week away from the podcast even though it was recorded (I promise) but its good to be back and successfully able to upload this episode. We recapped last weeks episode and then got into our thoughts about this weeks training as well as reminder about our upcoming week off/closed at the beginning of August.  Artist - Bob MarleySong - Three Little Birds

7.13.25 | "At The Cross" | Bishop R. L. Williams by The Rock Church of Fort Myers

Florida lands elite defensive tackle Kendall Guervil from Fort Myers, giving the Gators a massive win on the recruiting trail! At 6'4", 315 pounds with exceptional measurables, Guervil brings SEC-ready size, surprising quickness, and disruptive power to Florida's 2026 class. Watch as we break down his dominant film, explain why this commitment was critical after missing on other DL targets, and analyze what this means for Billy Napier's defensive line rebuild. The nation's #146 overall prospect becomes Florida's second-highest ranked commit and 8th in-state addition to a class now ranked 14th nationally! Get your tickets to The Inaugural Independent Gator Media Day. A dynamic celebration of independent football media and the Florida Gators! This one-day event unites fans, players, and media creators for an exciting mix of football, entertainment, and community. #FloridaGators #GatorsBreakdown #GoGators #CFB #SECFootball #CollegeFootball JOIN Gators Breakdown Plus: https://gatorsbreakdown.supportingcast.fm/ Get Florida Gators merch at Fanatics: https://fanatics.93n6tx.net/DVYxja Get Gators Breakdown merch: https://gatorsbreakdownmerch.com Questions or comments? Send them to gatorsbreakdown@gmail.com You can be the difference! For the first time ever, YOU can directly impact the outcome on the field by joining Florida Victorious! Want to help the Gators win? Want a better game day experience? Just like when you pack The Swamp, your unwavering support through Florida Victorious empowers the Gators to be their best! Join today and be the difference in making the orange and blue victorious. JOIN: https://floridavictorious.com/join-now/ Learn more about your ad choices. Visit megaphone.fm/adchoices