Podcasts about gulf coast

Jen Barkan is joined by Meagan Baker, Senior Marketing Manager for Boise Hunter Homes, to explore what it really takes to build and lead a successful online sales program. From launching an OSC role inside a busy organization to rebuilding trust and structure within a sales team, Meagan shares the leadership moves, mindset shifts, and operational systems that lift performance. This is your chance to hear how strong management becomes the secret sauce behind a thriving OSC team.TITO ShoutoutLeah Russell – top producer of the year for the entire Gulf Coast region at DR Horton and a champion for heart, patience, and perseverance in the OSC seatKey TakeawaysWhy the OSC program fails without clear leadership alignmentHow Meagan won buy-in from a skeptical onsite teamThe critical early steps for launching a new OSC programWhat leaders should prioritize when hiring their first or second OSCSkills Check1. Schedule a weekly standing meeting with your manager to review numbers and needs.2. Build your agenda before that meeting so you lead the conversation with clarity.3. Send proactive updates to sales leaders, especially when communication feels siloed.4. Strengthen your dotted line by sharing quick video updates with sales teams.5. Ask the questions you need to succeed, especially when you are new to the role.

Keith reviews the state of the real estate market, noting that existing home sales are down about 33% from their 2021 peak, while prices remain firm due to low supply and high demand.  Affordability challenges are driven by stagnant wages, inflation, and higher mortgage rates, with 70% of mortgage holders still locked in at rates below 5%.  He observes that in certain markets, new construction may now offer better investor terms than comparable existing properties, especially where builders buy down rates.  The episode highlights a comparison of nearly a century of asset class returns, reporting real estate's long-term annual appreciation at approximately 4.7%. Episode Page: GetRichEducation.com/583 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  For predictable 10-12% quarterly returns, visit FreedomFamilyInvestments.com/GRE or text  1-937-795-8989 to speak with a freedom coach Will you please leave a review for the show? I'd be grateful. Search "how to leave an Apple Podcasts review"  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— GREletter.com or text 'GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation   Complete episode transcript: Keith Weinhold  0:01   welcome to GRE. I'm your host. Keith Weinhold, how do other audiences feel about the GRE mantras that we've come to love here, like financially free beats debt free and don't get your money to work for you? Then sometimes it's not what you're attracted to in life, but what you're running away from finally comparing the returns from six major asset classes over the past century all today on get rich education    Keith Weinhold  0:29   since 2014 the powerful get rich education podcast has created more passive income for people than nearly any other show in the world. This show teaches you how to earn strong returns from passive real estate investing in the best markets without losing your time being a flipper or landlord. Show Host Keith Weinhold writes for both Forbes and Rich Dad advisors, and delivers a new show every week since 2014 there's been millions of listener downloads of 188 world nations. He has a list show guests include top selling personal finance author Robert Kiyosaki, get rich education can be heard on every podcast platform, plus it has its own dedicated Apple and Android listener phone apps build wealth on the go with the get rich education podcast. Sign up now for the get rich education podcast or visit get rich education.com   Corey Coates  1:18   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  1:34   Welcome to GRE from Kennebunkport, Maine to Bridgeport, Connecticut and across 188 nations worldwide. It is the voice of real estate investing since 2014 I'm Keith Weinhold, and I'm grateful to have you here with me, and we're doing something a little different today, as you'll soon listen in to me as I was on the hot seat being interviewed on another prominent real estate show. But first, when you pull back and ask yourself, why you're really an investor in the first place? There are so many reasons. Maybe you just want a few properties in order to supplement your day job income. Maybe you want to have more than a few so that you can completely replace that active income, or perhaps rather than going the route of building up your cash flow, which is valid, but some think that it's the only way to real estate financial freedom. Instead, you could own, say, nine doors or 22 doors, and even if they all had zero cash flow, you can just keep borrowing against that leverage and equity tax free and live off of that whatever you do when it comes to your day job, income, your degree of disdain for your nine to five job that is going to be greater or less than it is for some others. So your motivation for self improvement, it isn't always about what you're running to in life, which could be real estate investing, but it's also what you're running away from, especially if you don't get a deeply rooted sense of meaning from your job. So you could have both a push factor and a pull factor in what motivates you. There's a scene from the 1999 movie Office Space that just does this incredibly unvarnished job of saying out loud how so many of us feel today. What I'm going to share with you, I mean, you know that you have felt this at least once in your life. Office space wasn't supposed to be a mega hit movie, but it kind of was, because it's so relatable. Let's listen in to part of this clip. This is Ron Livingston playing a disgruntled male employee talking to Jennifer Aniston at a restaurant about his job in the movie Office Space.   Speaker 1  4:09   I don't like my job, and I don't think I'm gonna go anymore. You're just not gonna go. Yeah, won't you get fired? I don't know, but I really don't like it, and I'm not gonna go.   Keith Weinhold  4:24   Then it continues when she asks. So you're just gonna quit? No, not really. I'm just gonna stop going. When did you decide all of that? About an hour ago? Really? Yeah, aren't you going to get another job? I don't think I'd like another job. What are you going to do about money in bills and all that? I've never really liked paying bills. I don't think I'm going to do that either.   Keith Weinhold  4:53   That's it. That is the end of that classic dialog from office space that we can. All relate to you did not wake up to be mediocre, but a lot of people's jobs pummel them into a rather prosaic state. You were born rich because you were born with this abundance of choices, this huge palette in menu, but society often stifles that and makes you forget it, and it gets really easy to just fall into your groove and stay there. The main reason we aren't living our dreams is really because we're living our fears. Failure doesn't actually destroy as many dreams as people think fear and doubt. Does fear and doubt destroy more dreams than failure ever does financial runway? That is a phrase for the amount of time that you can maintain your lifestyle without the need for a paycheck. And it's critical for you to lengthen this runway if you hope to retire early, and it will dramatically reduce your stress level. An example is say that you currently earn 150k per year after taxes, and you spend 126k of that, all right. Well, that means you've got a surplus of 24k a year. Well, it's going to take you a little over five years to accumulate that 126k that you need to annually support your lifestyle. That's what happens if you don't invest. And see investing helps you lengthen your financial runway, that amount of time you can maintain your lifestyle without the need for a paycheck. That's what we're talking about here. Last week I brought you the show from Caesar's Palace in the center of the Las Vegas Strip. So therefore, what I've done is I have gone from the ostentatious and flamboyant over here to the familial and simple as this week I'm in Buffalo New York, broadcasting from a somewhat makeshift GRE studio here, the Buffalo Bills had a home game yesterday, so the city and hotels are busier than usual. Next week, I will bring you the show from upstate Pennsylvania, as I'm traveling to see my family. Let's listen in to me on the hot seat. I was recently a guest on Kevin bups long running real estate investing show. You're going to get to see how I present information and GRE principles for the first time to a different audience. And as I do, you're going to hear me provide new material, but you'll also hear me say quite a few things that I have told you before, even then, the concepts might land differently when I'm explaining them to a new audience. The show is based in Florida, so We'll also touch on the real estate pain and opportunity there. After I'm interviewed, I'm going to come back and tell you about something fascinating. I'm going to compare the returns from six major asset classes over the past century, since 1930 anyway, and that's going to include the first time on the show where I'll tell you real estate's annual appreciation rate over the last entire century. Just about what do you think it is? 8% 5% 3% you're gonna have, perhaps the best answer you've ever had. Here we go.   Kevin Bupp  8:31   Now, guys, I want to welcome back a guest that we've had on. It's been a number of years now. Keith Weinhold, I went back to look at the last episode we had him on. I think it's been about four years. So, you know, four years ago, the world was in the very different state. It was a very different time. And so, you know, thankfully, we're out of the covid era and on to newer and greater things. So for those that don't know Keith, he's the founder of get rich education. He's the host of the popular get rich education podcast. He's a longtime thought leader in the real estate investing space, and like myself. Keith was also born and raised in Pennsylvania. For those that know don't know, I was born and raised in Harrisburg, Pennsylvania, Keith, I believe, a couple hours away from where I was. But Keith has very much a unique perspective on wealth, building debt, and really the housing market as a whole. And today, you know, we'll be diving into everything you know, from why the property itself? This is something that Keith kind of coins, why the property itself is less important than you think, to how the housing crash has already happened in a way that most people don't even realize, to the role inflation and debt play in building long term wealth. And so again, it's been a number of years here, so I'm excited to welcome Keith back here. So my friend, Keith, welcome to the show. It's it's a pleasure to have you back here again, my friend.   Keith Weinhold  9:43   Oh, Kevin, it's good to be here and be in the auspices of another fellow native Pennsylvanian as well.   Kevin Bupp  9:49   That's right, that's right, yeah, no, Pa is rocking and rolling as I think I told you this little, this little tidbit last time everyone, every time I speak with someone from Pennsylvania, they never know this. But I'm going to share this fun fact. Are you already know, Keith. I'm gonna share it with the rest of the listeners here today, Pennsylvania, those that are born and raised there. It's the only state where, if you're from Pennsylvania, you refer to it by its initials, and you assume that everyone else, everywhere else across the country, they know what you're talking about when you say I'm from PA and that's the only state that does that. So I think it's pretty neat.   Keith Weinhold  10:19   That's right. No one else does that. No one else says, I'm from TN, if they're from Memphis, right?   Kevin Bupp  10:24   They don't, they don't. So with that, my friend. So, you know, it's, again, it's been a number of years since we, since we had you last on here, you know, let's start with just, let's back up a little bit. You know, what have you been up to? I mean, what, what have the last few years look like for you? Where have you been spending your time, energy and efforts? Obviously, it's, you know, we've gone through some quite a bit of turmoil over the last five years, and would love to just get an update as to what's going on your life.    Speaker 2  10:48   Well, one of the big words in real estate investing, we all know it, even the person that cuts your hair and cleans your teeth knows it, and that's affordability. You know, really, affordability has been under fire, under pressure. By a lot of measures, we have the worst affordability for home buying since the early 80s, when the Jeffersons was on television. So it's been helping a lot of people deal with that. It's really the effect of three things, general inflation, higher home prices and higher mortgage rates. Really, those three things the crux of the problem. It's not exactly inflation, really. It's the fact that over the long term, wages don't keep up with inflation. And really that's the crux of the affordability problem. So I've been helping people deal with that and put that in perspective, really, Kevin,   Kevin Bupp  11:42   what does that mean for, you know, investment, real estate? I mean, are you still still doing deals? Are you seeing deals still get done by your students? I mean, what? What's your world look like?   Keith Weinhold  11:52    Yeah. I mean, I think you're asking, you know, how many deals are taking place? One way to measure that on a national basis is existing home sales. You know, existing home sales have been down substantially. And when a lot of people hear that, they think, prices, oh no, we're not talking about prices. We're talking about existing home sales. That means sales volume. That means the amount of overall transactions. So to give an idea of a real estate market, a residential one that's become pretty lethargic and not very vibrant, is that sales volume. It had its recent peak of about 6 million home sales back in 2021 I mean, 2021 was crazy, kind of the crux of the pandemic, you know, Kevin, that's when for an open house. You saw cars wrapped around the block for just one open house. Okay, well, that year 2021 there were 6 million existing home sales. Today, we're on pace to do about 4 million, and we also did only about 4 million last year. So if you put that in perspective and think about what that means, prices have stayed stable, but that's a 33% reduction in transactions. So investors, you know, people like you and I, Kevin, we're not as affected by this as some other industries. But think about the mortgage loan industry. If you're doing 33% fewer transactions, think about the hard decisions companies have to make and lay people off. 33% fewer transactions for title companies. It's probably close to 33% fewer transactions for furniture companies as well. So really it's both affordability that's been a problem, and that's led to this relative lethargy, kind of a slow, not very interesting residential real estate market, at least from the transaction perspective, really, really slow.   Kevin Bupp  13:58   But Could, could one not argue, I don't know the data points. Keith, I guess, what did it look like? 2021? Was kind of the peak. I think you'd reference 6 million units a year. Transactionally, what did it look like prior? What, what was, what was a more normal year like? And maybe 2020, wasn't a normal year either, right? Because a lot of folks thought the role was ending for a period of time. You know, 2019 maybe just again, trying to, trying to find maybe a better baseline to use. And then, you know, does, I guess, in my mind, and I don't follow these data points as much as you do, is that maybe 2021, was, you know, somewhat artificial inflation, right? Lots of lots of money pumping into the marketplace. And ultimately, we had to get back to a sense of normalcy at some point in time. And so are we at a at a place of normalcy? Are we still behind the eight ball a little bit?   Keith Weinhold  14:44   We're still behind the eight ball a little bit. 5 million is more of a normal long term number. But yeah, I mean, if we've got 4 million now, that's, you know, 25% less still than 5 million, sort of this long term normalcy rate of existing. Home transactions. And if you're a careful listener, you notice I've been using the word existing that doesn't include new build. So you know, when you the listener out there reading headlines, always look at that closely. We talking about existing? Are we talking about new build? You can learn a lot from that when you introduce new build data that introduces an awful lot of noise. For example, even when we look at prices, sometimes we want to exclude new construction. So why is that? Why do we want to focus on existing a lot? Well, because new build can introduce a lot of aberrations to the market. For example, the size of new build properties has dropped substantially the past few years, again, coming back to the central theme of affordability to help make a home more affordable. So we're not looking at same same when the square footage of a property drops a lot. And also, another thing that's been happening as a response to the lack of affordability is you have more builders building further and further out from a central business district where there are lower land costs for that new build property as well to help meet affordability. So the takeaway is, yeah, we want to be careful when we look at numbers. Are we looking at existing? Are we looking at new? Are we looking at overall properties.   Kevin Bupp  16:22   If you believe that if rates come down, we really is that the is that the lever that has to be pulled in order for that transactional volume to kick back up and, you know, make homes more affordable for the average home buyer,   Keith Weinhold  16:34   yeah, it's certainly going to help. I mean, really lower rates is the most likely significant lever that can help with the affordability crisis. Prices are pretty firm. Home prices are up 2% year over year. It's difficult for home prices to fall. In fact, home prices have only fallen one time substantially since World War Two. A lot of people don't realize that. So home prices are firm. I expect them to stay firm. And then the other lever is if we get a huge surge in wage increases, which I really don't expect anytime soon, unless we have another really big bout of inflation. So to your point, yes, lower mortgage rates like, that's the biggest lever that can help affordability return. And to speak to mortgage rates, Kevin and help put all of this into perspective, including this affordability component, is the fact that today, mortgage rates are low, and that gives a lot of people pause. They're like, What are you talking about? Mortgage rates were 3% even as low as two point some percent, just as recently as 2021 and early 2022 What are you talking about? Like, mortgage rates are 2x to 3x that today we look at a long term perspective when we look at the arc of mortgage rates, instead of in setting up expectations where we think rates could go. And we need to look at a frame of reference. Mortgage rates peaked over 18% in 1981 that's if you had a good credit score and everything on a 30 year fixed rate mortgage. That's what we're talking about here. In fact, Freddie Mac, they're the ones that have the best, most reliable stat set for mortgage rates, and that goes back to 1971 the average mortgage rate since 1971 all the way up to today, through all these presidential administrations you know, Nixon and in the Reagan years, and Clinton and the bushes and Obama, everything You know up to today, from 1971 until today, the average 30 year fixed rate mortgage is 7.7% so that's why I talk about how mortgage rates are, you know, moderate to a little low today. That takes a lot of people back. I don't see any impetus. It's going to get us back to, say, 3% mortgage rates. So some real perspective here.   Kevin Bupp  19:06   Yeah, yeah, no. And, you know, the interesting thing again, you might have data points on this to see, is a lot of the lack, do you feel that a lot of the lack of transactional volume is also related to those folks that have locked in, you know, 3% you know, mortgages, right? Like they're they, why would they sell and ultimately trade into a, maybe a, you know, a, you know, upgrade of a home, but ultimately be paying significantly more than that of what they're paying at the present time, you know, double the cost of capital. Your rates today, 30 year, rates are where the six and a half, 7% range, I don't follow it, but yeah.   Keith Weinhold  19:42   I mean, as of today, 6.3% is is where they're at. But yeah, you have a lot of those homeowners locked in to low rates. I mean, first, if we just pull back and look at the overall homeowner landscape, four in 10 have a paid off property. So just to talk to those about the other. Or 60% that percentage that are mortgage borrowers, among borrowers, 70% still have a mortgage rate under 5% meaning it starts with a four or less. So yeah, you're bringing up astutely Kevin the lock. In effect, people are reluctant to sell and give up that rate to trade it for a higher rate. And here's what's interesting, a lot of people if they couldn't make the payments on their home and say they lost their home, something that actually happened a lot in 2008 when people were locked into in sustainable mortgages because they didn't have good credit and they didn't have good income, the borrower is in good shape today. But even if, for some reason, they couldn't make the payments on their home, and they lost their home and they had to rent. Rents are actually higher in many cases, than what that mortgage principal and interest payment is. Maybe even the mortgage principal interest, taxes and insurance that they pay today are lower than what comparable rent would be, and this helps stabilize the housing market, people are really motivated to make their payments, and they can easily do it when it is so low, speaking to that lock in effect, and we're bringing up another reason now why transaction volume is so low, that lock in effect. So homeowners are in good shape. Their payments are sustainable. They don't want to sell, and they're just staying put. They're staying in place   Kevin Bupp  19:42   tying that all back around. Keith, what does that mean for us real estate investors? I mean, is there still good value out in the marketplace? I mean, is the rent to value ratio still, you know, Is there good opportunity to be had, as far as ROI for an investor that wants to buy into a residential investment or a multifamily investment, or anything related to that of residential housing?   Keith Weinhold  19:42   Well, the deals in the one to four unit space, single family homes up the four Plex buildings, yeah, just are not as good as they used to be. The ratio of rent income to purchase price is lower than it was five years ago. And that's so simple, but that's just really the simplest formula for profitability for a real estate investor, you don't have to look at cap rate or or NOI in the one to four unit space. Let's just look at that ratio of rent income to purchase price. 20 years ago, it was easy to find a full 1% meaning, on a 200k property, you could get $2,000 worth of rent income. That's that 1% ratio. But now oftentimes you've got to find something that's more like seven tenths of 1% that would be a $1,400 rent on a 200k property. So that simple formula, and I love that, the rent income divided by the purchase price when I'm looking at properties, when I'm scrolling or scanning like that's a calculation you can do in your head. It's only if I would see a ratio that appears really good, oh, that I would like drill down and look at that property more closely. So of course, when you have something that is that simple, though, rent income divided by purchase price, there's a lot of things that doesn't tell you. You know, what kind of mortgage interest rate can you get? What kind of property tax Do you pay in that jurisdiction? But really, I love the simplicity. That's it, rent divided by price, but it has been under attack. Now today, I still don't know where you're going to get a better risk adjusted return than you do with a carefully bought income property with a loan. I've always liked fixed interest rate debt the best risk adjusted return anywhere. I really don't know of a better one than with buying real estate, because real estate investors have so many profit centers, five simultaneous profit centers, which few people understand. Yeah.   Kevin Bupp  19:42   So using that, I want to, I want to unpack the the 1% rule a little bit for those that aren't familiar with it. And again, there's a lot of variables there, as you had mentioned, you know, mortgage rate, taxes, insurance and that respective market that you that you're buying in, and so what? What are you really trying to back into when applying that rule? Is there? Is there? Is there a true cash on cash return that you're hoping to achieve, again, assuming all these other variables that we just don't know, what they are at this point, you know? Is there a target range of actual ROI that you're actually looking to achieve when applying that 1% rule?   Keith Weinhold  19:42   No, I'm just looking for any positive cash flow. You know, to your point, yeah, there's nothing like the cash on cash return needs to be at least three and a half percent or something like that. But, yeah, I still like buying a property that's that's greater than a break even. Inflation is probably going to increase your cash flow over time, even if you bought a property that that broke even or just had a trickle of cash flow or a $100 cash flow today, a lot of people don't understand that fact that right there you can't count on it, you shouldn't count on. Getting rent increases. But we all know it generally happens over time at a rate of about 3% a year, but it actually increases your cash flow. If you increase your rent 5% your cash flow can often increase something like 12% why is that? How could that happen? That's because, you know, it's key for the person that was listening closely, you get fixed interest rate debt, so your rent income goes up, your expenses increase, except for that mortgage principal and interest. Inflation can touch it. It's kind of like a mosquito buzzing against a window and always trying to get in. And inflation can't touch that in a way. It's sort of like debt that's an asset in some unusual way, or some play on words, getting that debt so So yes, you can't count on rent increases over time. We know what typically happens, and that's really part of the compelling value proposition of buying income property with a loan. You're sort of leveraging inflation. You're really on the right side of it.   Kevin Bupp  20:08   Are there any particular markets that you feel are ripe for opportunity today where you're spending your focus and energies in?   Keith Weinhold  20:08   Yeah, it's still in high cash flowing markets like Memphis, okay, little rock and a good part of the Midwest and the Midwest still has home prices appreciating faster than the national average as well. So those are some of the areas that I like. Those jurisdictions also tend to have laws, as your listeners might know this already, Kevin, they tend to have laws that benefit the landlord more so than the tenant, where you can get a prompt eviction, but those are still the areas where you do get that high ratio of rent income to purchase price on a single family rental home, you might still find eight tenths of 1% meaning $800 worth of rent for every 100k of property purchase in places exactly like that.   Kevin Bupp  20:08   I was hoping that you tell me 1% rule would is applicable.   Keith Weinhold  20:08   It's pretty rare. You know, if you do see, if you do see a property that has a full 1% rent to purchase price ratio, it could be in a sketchy area, you need to make sure that you can actually get the rent in like you would get a respectful rent paying tenant in there. That's something that we would have to look at more closely.   Kevin Bupp  20:08   Have you explored building new product? Is there an opportunity there getting at a lower basis by building ground up?   Keith Weinhold  19:42   You asked such a smart question. This is actually the first time ever, as long as I've been an active real estate investor, Kevin for more than 20 years where new build purchases for income property make more sense than existing purchases. Why is that? It's because builders know that investors and borrowers are struggling to buy and afford property and make the numbers work. Like you're talking about, that builders are incentivized to buy down your rate. For you, to buy down your mortgage rate, we deal with a lot of providers that buy down your mortgage rate to 5% or less for you, and this is a fixed, long term loan in order to help get the numbers to work. You know, especially where you might see a new build property where the rent to purchase price ratio is less than seven tenths of 1% and it's just like, ah, the numbers wouldn't work paying a higher mortgage rate, but some are willing to buy them down to as little as four and a half. However, if you're looking into buying a new build income producing property, you do want to look at that closely. Who is paying for the discount points to buy down the rate. Is it the builder, or is it you? Because some builders just suggest, hey, you can buy down. You can have your rate bought down. But yeah, the next question is, yeah, okay, who is actually doing the buy down? Yeah.   Keith Weinhold  19:43   I mean, just getting tacked on. I mean, in that instance, I'm assuming that a lot of it's just getting tacked on to the to the back end of the purchase price, or it's being baked into closing costs somewhere somebody is paying for it. More than likely the borrower is paying for it. Paying for it. Is that? Is that? Again, I'm assuming we probably have that here in Florida. Again, I don't really follow the residential market too much, but there's, as you had mentioned, like, kind of on the the outskirts of Tampa, the tertiary, necessary, tertiary, probably more secondary areas. That's where a lot of the builds are happening. Lots of these, you know, planned subdivisions. You know, hundreds and 1000s of homes being put up. And in my understanding, through the grapevine, is I hear that they're, you know, sales volumes is incredibly slow, and a lot of these builders are now offering some creative loan products, again, to what you've just stated there, to attract, not necessarily even just homeowners, but also investors, to come in and buy their product from them. Is, is there a real opportunity there, though? I mean, have you seen investors be able to benefit from buying brand new product at a fair price, with economics at work keeping as a rental?   Keith Weinhold  29:53   I have and Florida has some builders that are almost desperate. I'm a long time investor. Know personally, directly in Florida, income property, Southwest Florida, places like Cape Coral, they have been ground zero for real estate depreciation, a contraction in real estate values year over year of 10% or more in some southwest Florida markets. So like the post pandemic, migration boom is certainly over in Florida. And you know, Kevin, as little as 10 years ago, people used to talk about buy in Florida. It's cheap, it's sunny, cheap and cheerful, like you would sort of hear that sort of thing about Florida real estate. That is no longer true. Florida just is not as cheap as it used to be. It's the same or higher than the national median home price now in Florida. So yes, some builders are rather desperate. The other benefit of buying new build, especially in a place like Florida, where a lot of new building has taken place and the supply actually exceeds the demand here in the short period. You can take advantage of that, not only by getting the rate buy down, but because homeowners insurance premiums are substantially less on new build property, because they're built to today's wind mitigation and other standards than they are existing property. I have a friend that just bought a new Florida duplex through us in Ocala, Florida. That's sort of a central, North Central Florida, on that new build duplex that he paid 400k for. I saw the actual insurance premium, the the rate sheet, $694.06 $694 694 so the benefit of buying new build is you get a lower insurance premium. You get these rate buy down. Sometimes what your builder will buy for you make for you rather and of course, you're probably going to have low maintenance costs for a long time, since it's a new build property, and you get a tenant that is probably going to stay longer than the average duration. They're the first person to ever live there. It's difficult for the tenant to improve their housing situation when they have a new build income property, unless they would go out and buy, and it's a very difficult time to go out and buy. So through that lack of affordability, really, the advantage for a real estate investor is tenants are staying put longer. The average tenancy duration is up because they can't run out and be a first time homebuyer.    Keith Weinhold  32:32   You know, most people think they're playing it safe with their liquid money, but they're actually losing savings accounts and bonds don't keep up when true inflation eats six or 7% of your wealth. Every single year, I invest my liquidity with FFI freedom family investments in their flagship program. Why fixed 10 to 12% returns have been predictable and paid quarterly. There's real world security backed by needs based real estate like affordable housing, Senior Living and health care. Ask about the freedom flagship program when you speak to a freedom coach there, and that's just one part of their family of products, they've got workshops, webinars and seminars designed to educate you before you invest. Start with as little as 25k and finally, get your money working as hard as you do. Get started at Freedom, family investments.com/gre, or send a text. Now it's 1-937-795-8989, yep. Text their freedom coach directly. Again. 1937795898, 77958989   Keith Weinhold  33:44   the same place where I get my own mortgage loans is where you can get yours. Ridge lending group and MLS, 42056, they provided our listeners with more loans than anyone because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage. Start your prequel and even chat with President chailey Ridge personally while it's on your mind, start at Ridge lending group.com that's Ridge lending group.com   Todd Drowlette  34:17   this is the star of the A and E show the real estate commission. Todd Rowlett, listen to get rich education with my friend Keith Weinhold, and don't quit your Daydream.   Kevin Bupp  34:38   That even trickles down to the to the space that we're in. We're in the mobile home park space. And while we don't have a lot of rentals inside of our portfolio, most of our residents own their home and they rent the land, but throughout our portfolio, we have roughly 400 units that we own that we have as standardized rentals, and we've noticed that trend as well. Historically. 10 years ago, you. Yeah, we track actually about, I can take it back about eight years, where we actually have data to support this. This claim is that our average renter would stay about 16 months. That was fairly standard. Whereas today it's over, it's nearly three years. At this point in time, the majority are staying nearly three in there's probably, there's some variables in there. You know, eight years ago, we weren't bringing a lot of new product into our communities, whereas a lot of the mobile home parks that we purchased today do have a lot of newer mobile homes in them. So again, to your point, it's, it's a it's a newer home. It's fresh. There might not be the first person that lived there, maybe they're only the second, right? But it's still a very new home. It's only a couple years old. All the appliances are new. It's fresh, you know, it's well insulated, and it's just a high quality product, but, but it's nearly double of what we used to experience and what we used to underwrite. It's, you know, which is, which is interesting. You know, I am, I want to, I want to circle back, you'd mentioned Cape Coral. I've got quite a bit, quite a bit of experience with Cape Coral. This is not the first time that Cape Coral and Port Charlotte in those areas have crashed. I mean, like, they've got quite an interesting history in time, back during the GFC, that area down there took probably one of the biggest hits in most of Florida, while, you know, the rest of Florida got, you know, pounded pretty hard with home values and decreasing home values decreasing rents, Port Charlotte, Cape, coral, in those areas as well. It's just It looks very different down there today. As far as you know, the job basis. I mean, there's a little bit more of a, you know, you know, an economy than what existed maybe 1015, years ago. But I don't know if you know the story of Port Charlotte. Is it some interesting history that you can if you want to spend some time, go on YouTube. There's some documentaries out there about, basically when that area was created. There's a two brothers that, essentially, you know, sold, subdivided and sold swampland and sold the dream to the northeast centers to come down and buy, you know, parcels of land down in Cape Coral, port, Charlotte and in that general area. And it took a lot of time for it develop over the years, but it's a beautiful area down there. But again, I think what happened to your point? A lot of folks during the covid era were wanting to come to Florida. We were fairly free down here. The sun was shining, you know, the Gulf of Mexico was warm, and that was a good value for a lot of folks. You know, the values were driving up there. Was home inventory down there. You got a good bang for your buck back at that point in time. But again, there's not, there's not as much as many amenities and supportive economy there. And then to me, there, like you might find in the Tampa area, or you might find Orlando, or even Ocala cow is a phenomenal market right now. And yeah, oh, Cal is, for those that don't you know you mentioned, you referenced the insurance there, which is, that's a great, that's a great price for that, that policy, you know, 700 bucks, basically, that is inland. For those that don't know the geography here in Florida, that is inland. So you are fairly protected from storms, you know, hurricanes and things of that nature, which crush us here on the on the Gulf Coast. But in any event, I just thought I'd share that there's some good, pretty cool documentaries out there in Port Charlotte, in the whole area down there, but a beautiful part of the country. But just Yeah, it's, it's suffering right now. There's, I think there's, I was looking the other day on Zillow. I just play around and check and see what waterfront home prices are going for. And down there, you can basically get a you can get a canal front home going out to the Gulf of Mexico for about $500,000 which was probably closer to 800,000 during, you know, the the boom era of 2021 2022 So historically, we used to buy properties down there. This is back in 2000 and 345, before the the GFC, we could buy those same properties for 150 and $200,000 waterfront home, waterfront homes, deep water canals going out to the Gulf of Mexico. But when it crashed, some of those homes were selling for $120,000 $100,000 so it's interesting to see how things have come kind of full circle multiple times, not just down there, but in all of Florida as well. Florida is always boom and bust. You know, I think they say that with you know, you could probably speak to that most of these coastal towns, whether it be in Florida, whether it be up the eastern seaboard, the coastal markets are definitely more of a roller coaster ride than the Midwestern markets, where you invest in would you? Would you agree with that?   Keith Weinhold  39:09   Yeah, I would. And yeah, you talk about Florida being a boom and bust, and what you said is certainly true in the shorter term. Back in the global financial crisis, we saw more price blood letting in Florida than we did in other states as well. But over the long term, the long arc, I'm bullish on Florida because of just the obvious constant in migration story. In fact, if you go back to decennial censuses, all the way back to the early 1800s every single decennial census, every 10 years, the population of Florida has rose, and it rises faster than the national average, almost all of those 10 year periods. So yeah, over the long term, I certainly like Florida, but Yeah, you sure can, you know, nitpick over the. Short term, but as little as five years from now. If you bought today, as little as five years from now, I could see someone saying, like, yeah, I bought back five years ago, because we're actually in a in a short term, overbuilt condition, and builders bought down my rate. For me, this could look savvy and this could look wise. So if you're looking for opportunity, new building Florida is definitely something to look into.   Kevin Bupp  40:22    I agree. No, absolutely. Like, the long term, you know, opportunity here in Florida, it's there, you know, it's interesting. We've got the we get these hurricanes every year. Last year was a pretty impactful year, at least here on the on the Gulf side, and the neighborhood I lived in, we got flooded. Luckily, our homes in newer builds built up. But, you know, 70% of the neighbor I lived in had 444, or five feet of seawater. And as did the, you know, the long stretch of the Gulf Coast here, and it was the first time this area has ever this immediate air right where we live, has ever had a it wasn't even a direct hit. It just happened to be a massive storm surge. But it was, you know, catastrophic as far as the damage that it did. And a lot of folks that we knew in our neighborhood here. Have lived here for 1020, 3040, or 50 years, and they had never had any floodwater whatsoever. And and there was two camps where they fell in either one camp where they didn't, they whether they had the money to rebuild or not, didn't matter. Like, mentally, they were never going to end up. They were never going to deal with that again. They were moving away, like they just didn't want to go through the heartache of that again. In the second camp, we're basically, I knew it was going to happen at some point in time. This is the kind of price to live, to pay, a live in paradise and and what ultimately occurred is, you know, you saw homes going up for sale, and in the initial chatter for those that that were impacted, is that, who's going to buy that? You know? You know, they're not going to get hardly anything for it. You know, it's just like, who's going to want to live here now that has been flooded. I said, Just wait. I'll say people have us as human beings, have short term memories. We do and and I can promise you, within a few months, those homes will be gobbled up, some will be knocked down, some will be rebuilt, but inevitably, the prices will come back incredibly strong, and you'll see very limited inventory, at least in desirable markets that are here on the water. And that's exactly that happened. Within six month period of time, prices are back up. You can't get your hands on a flooded property now, or one that had been flooded, right?   Keith Weinhold  42:12   I can believe it. And this is not the way that you want to have a waterfront property when the water inundates you and comes to you, that is not the way to buy waterfront property.   Kevin Bupp  42:23   Yeah, interesting, but, uh, no, Keith has been a fun conversation, my friend. So let's, let's talk about, you know, I like to you'll peek inside your brain if you were going to start all over again, from scratch, you know, you've been at this now, what? How long? Almost two decades. It's been, been quite   Keith Weinhold  42:38   Yes, yes, more than two decades. Is that what you're asking, how would I start, starting from today?   Kevin Bupp  42:47   Yeah, like, what would you do? Where would you focus, what asset type and any particular strategy outside of what you're doing today? You know, where would you focus your time?   Keith Weinhold  42:55   Actually, it is quite a coincidence. The way that I would start all over again in real estate is the way that I did start in real estate. It worked out phenomenally, in a way it makes sense, because if it hadn't worked out phenomenally, you never would have heard of me, and I wouldn't have become this real estate thought leader or whatever, because this is a way, an everyday person with virtually no real estate knowledge and very little money. Can start out, what I did is I made the first ever home of any kind, a four Plex building where I lived in one unit and rented out the other three. This is something very actionable for your for your audience as well, Kevin. Or if maybe you're a listener that has a an adult daughter or son and they want to get started in real estate with a bang without much money, is to buy a four Plex, just like I did. You can use an FHA loan, a three and a half percent down payment. You have to live in one of the units at least 12 months, and at last check, your minimum credit score only needs to be 580 now you will get a lower interest rate if you have a higher credit score. But those are the only three criteria you need. I mean, what a country talk about? The American Dream. You can use that FHA program with a single family home, duplex, triplex or fourplex, that's the formula. That's how I began. Actually ended up living there a little more than three years. But what that did for me was remarkable, and in fact, you know what it taught me? Kevin and every listener can benefit from this. It's paradoxical. A lot of times I say things that you would not expect to hear that make you go, wait what? Whoa, how can that be? Is what it taught me is that I don't want to focus on getting my money to work for me. You probably wouldn't expect to hear that. It's actually a middle class paradigm to say, well, I don't want to work for money. I also want to get my money to work for me. I'm telling. You that that's going to keep you middle class, or worse, that's going to keep you working until old age, and you won't have an outsized life and retirement and options. If you think that the best and highest use of your dollar is getting your money to work for you, it's not what's the paradigm shift if this four Plex building taught me the way I started out, which is still the way that I would start out today, and you probably heard this before, but I'm going to put a new twist on it. Is you want to ethically get other people's money to work for you, and we can be ethical. We can do good in the world. Provide housing that's clean, safe, affordable and functional. Never get called a slumlord that way. You can employ other people's money three ways at the same time, ethically by buying an income property with a loan, like we've been talking about in Florida, or with this fourplex building. How do you do it three ways at the same time, using the bank's money for the loan and leverage, which greatly amplifies your return beyond anything Compound Interest can do. The second of three ways you're ethically employing other people's money is you're using the tenants money to pay for the mortgage and some of the operating expenses on this fourplex. And then the third way you're simultaneously using other people's money is using the government's money for generous tax incentives at scale. So the lesson is that the best and highest use of your dollar is not getting just your money to work for you, it's other people's money, in this case, the banks, the tenants and the governments. That's what you can do. I mean, what an opportunity. A lot of people just don't even know about that FHA program.    Kevin Bupp  46:41   Yeah, I actually, I wasn't, I wasn't aware that it was that low of a down payment key. That's no idea. Three and a half percent, you said, a 550 credit score, believe me, 580 minimum credit.   Keith Weinhold  46:51   And you have to, thirdly, you have to owner occupy a unit for at least 12 months. And hey, I'm not saying it's always easy. You know, you got to think about that. Your neighbors are also your tenants. And I don't know how to fix stuff. I still don't. I'm a terrible handyman, but it's good to learn a little about about human relations. And you know, letting finding a general way to let the tenants know that you have a mortgage to pay every month. I mean, just that alone can can help them ensure timely rent payments. But, and this also doesn't mean every area, or every four Plex building is is good, but, yeah, that's the opportunity. That's how I started. I would totally do it again.   Kevin Bupp  47:27   Can you use that FHA program more than once? Or is that just the one time you know your first, first, first primary home purchase?   Keith Weinhold  47:34   It's generally you can only use one at a time. There are some exceptions, like if you and your job move, like, a certain mile radius away from where you got the first one, but, yeah, generally it's only going to be one at a time. A lot of people don't use it. Don't know about it. In fact, if you have VA benefits, Veterans Administration benefits, you can get a similar program, like I was talking about, but zero down payment, rather than three and a half with an FHA loan. It's a really good, amazingly good opportunity.    Kevin Bupp  48:05   That's incredible. That's incredible. Keith, my friend, I appreciate you coming back going. It's always good to catch up with you. Good to see that you're doing well.   Keith Weinhold  48:17   Oh yeah, a terrific chat there with Kevin. I hope that you like that really. At our core, real estate investors are not day trading. We are decade trading. Now I'm in western New York today, at the other end of the state, NYU compiled some terrific statistics that you want to hear about for nearly the past 100 years. It is the annualized returns of six major asset classes. This spans, the Great Depression, a number of recessions, World War Two, the New Deal, gold standard, abandonment, brendawoods, the Cold War, Civil Rights Movements, oil shocks, Volcker rate hikes, the.com boom and crash, the 911, attacks, the housing bubble, covid, 19, AI revolution and 16 presidencies, all those ups and downs and war and peace and economic booms and economic lows, and now there is going to be a mild tongue in cheek element here, because stats like this drive real estate investors crazy, but this is often how mainstream media portrays asset class comparisons. All right, the six asset classes are stocks, cash, bonds, real estate, gold, and then inflation, which isn't in an asset class, but it's a benchmark. All of these begin from the year 1930 so spanning almost 100 years. Let's take it from the lowest return to the high. Best return the lowest is inflation. And what do you think the CPI inflation rate is averaged over the last 100 years? Any guess at all? You might be surprised. It is 3.2% Yeah, even though the Fed's CPI inflation target has long been 2% it runs hot longer than most people believe. So therefore, today's inflation rate isn't high, it's just normal. The next highest return is cash at 3.3% How did NYU measure that the yield from three months T bills? Next up is bonds. They returned 4.3% that's the 10 year treasury average of the last 100 years. The next highest is real estate at 4.7% that uses the K Shiller Index. Now we're up to the second highest. It is gold at 5.6% and the highest is stocks at 10.3% using the s, p5, 100, and this was all laid out in a brilliant chart that also shows the returns by each decade for all of these asset classes. You'll remember that I shared the chart with you in our newsletter a few weeks ago. Now you are smarter and more informed than the layperson is, you know, but they see this chart and they think, Oh, well, that's it. I've got my answer. Real Estate's 4.7% appreciation loses out to gold's 5.6 and stocks 10.3 and then they go back to watching Love is blind. But of course, rental property owners like us know that we often make five times or more than this 4.7% when we consider all those other income streams and profit centers, leverage, rents, ROA and inflation, profiting on our debt, it's often 25 to 30% total. It's sort of like judging a Ferrari by only measuring its cupholders or something. Now, would stocks 10.3% get adjusted up as well? Yeah, probably a little, because the s and p5 100 currently averages a 1.2% dividend yield, so that might be added on the 4.7% return for real estate. That cites the popular Case Shiller Index. And the way that that index works is that it uses a repeat sales methodology. So what that means is that the Case Shiller measures the sales price of the same property over time. Therefore a property would have to sell at least twice in order to be measured by this popular and widely cited K Shiller Index. So then the 4.7% appreciation figure excludes new build homes, and new builds appreciate more than existing homes, but you do have more existing homes that sell the new build homes, so we can pretty safely assume that real estate's long term appreciation rate is higher, likely between five and 6% there it is. So yeah, making comparisons across asset classes like this is pretty tricky, because investment properties leverage and cash flow gets nullified. And when you make comparisons like this, it's a big reminder that even if you can't get much cash flow off a 20 or 25% down real estate payment, sheesh, most people put a 100% payment into stocks, gold or Bitcoin, and they don't expect any cash flow. And Bitcoin isn't part of what we're looking at for this century long view, because it did not exist until 2009 and also NYU had to use some alternative statistics. Sometimes the s, p5, 100 index only came into being in 1957 and the Case Shiller Index 1987    Keith Weinhold  54:02   next week here on the show, I expect to answer your listener questions from beginner to advanced. You've been writing in with some good ones for the production team here at GRE. That's our sound engineer, Vedran Jampa, who has edited every single GRE podcast episode since 2014 QC in show notes, Brenda Almendariz, video lead, brendawali strategy talamagal, video editor, seroza, KC and producer me, we'll run it back next week for you. I'm your host. Keith Weinhold, don't quit your Daydream.   Speaker 3  54:36   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.   Speaker 2  55:04   The preceding program was brought to you by your home for wealth building, get richeducation.com  

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Today we're going to check in with weather reporter Leigh Morgan as we begin the winter season and also talk about how accurate this year's hurricane-season forecast was. In today's report we also have early Amtrak success on the Gulf Coast, human remains finally identified, and a really big house. Learn more about your ad choices. Visit megaphone.fm/adchoices

Tune into this winter's Northwest Florida Fishing Report as host Joe Baya teams up with Capt. Justin Leake with Panama City Inshore and Brandon Barton with Emerald Waters Kayak Charters for a deep dive into the season's best fishing opportunities. Discover expert techniques for targeting redfish, speckled trout, and flounder in the bays, as well as offshore strategies for blackfin and yellowfin tuna—all optimized for winter conditions and cold fronts. Learn how changing weather impacts Panama City fishing and Pensacola fishing, with practical kayak fishing safety tips, bait selection insights, and expert advice on finding the most productive inshore and offshore spots. With tips on winter fishing tactics, artificial and live bait rigs, flounder regulations, and the advantages of kayak fishing, this episode is packed with actionable strategies for anglers throughout Northwest Florida and the Gulf Coast.   Sponsors: Fishbites Dixie Supply and Baker Metal Killerdock Test Calibration Coastal Connection EXP Realty AFTCO Sea Tow SlipSki Solutions Black Buffalo Pure Flats Saltwater Marketing Stayput Anchor

The salient point of today's discourse revolves around the imminent weather developments across the United States, particularly emphasizing the marginal risk of excessive rainfall along the central Gulf coast and the anticipated atmospheric river affecting the Pacific Northwest. I elucidate the potential for localized flash flooding in coastal regions due to persistent showers. Concurrently, I provide updates regarding winter weather advisories and warnings for several states, including Michigan and Colorado, where hazardous travel is expected due to heavy snowfall. Additionally, I draw attention to the coastal flood advisories in various regions, underscoring the need for vigilance as high tides may lead to minor inundation. This comprehensive weather briefing serves to prepare our audience for the diverse meteorological challenges that lie ahead.Takeaways:* The Weather Prediction Center has issued a Day One marginal risk for excessive rainfall along the central Gulf Coast, indicating possible weather-related impacts. * Localized flash flooding is anticipated in areas where persistent showers develop near coastal regions, necessitating vigilance among residents. * A strong atmospheric river event is forecasted for the Pacific Northwest early next week, which may influence local weather patterns significantly. * Winter weather advisories remain active across multiple states, including Alaska and Michigan, highlighting ongoing hazardous conditions due to snow and freezing temperatures. * Coastal flood advisories have been issued for various regions, including North Carolina and Oregon, in response to high tide events that may lead to minor inundation. * Overall, careful monitoring of weather patterns and advisories is essential as conditions continue to evolve across the United States. Sources[WPC Day 1 ERO | https://www.wpc.ncep.noaa.gov/qpf/ero.php?day=1&opt=curr][NWS Mobile | https://www.weather.gov/mob/].NCEP Weather Prediction Center+1][NWS Anchorage | https://www.weather.gov/afc].[NWS LOX | https://forecast.weather.gov/wwamap/wwatxtget.php?cwa=usa&wwa=high+surf+advisory][NWS SF Bay Area | https://www.weather.gov/mtr/][NWS Grand Junction | https://forecast.weather.gov/showsigwx.php?product1=Winter+Weather+Advisory&firewxzone=COZ205][NWS LIX | https://www.weather.gov/lix/][WPC | https://www.wpc.ncep.noaa.gov/qpf/ero.php?day=1&opt=curr][NWS APX | https://www.weather.gov/apx/][NWS Missoula | https://forecast.weather.gov/wwamap/wwatxtget.php?cwa=mso&wwa=winter+weather+advisory][NWS Buffalo | https://www.weather.gov/buf/BUFHWOBUF][NWS WWA (ILM) | https://forecast.weather.gov/wwamap/wwatxtget.php?cwa=usa&wwa=coastal+flood+advisory][NWS Wilmington | https://www.weather.gov/ilm/][NWS Portland | https://www.weather.gov/wwamap/wwatxtget.php?cwa=pqr&wwa=all][NWS Nashville | https://forecast.weather.gov/wwamap/wwatxtget.php?cwa=usa&wwa=winter+weather+advisory][NWS EWX AFD | https://forecast.weather.gov/product.php?issuedby=EWX&product=AFD&site=EWX][NWS EWX | https://www.weather.gov/ewx/][NWS WWA | https://forecast.weather.gov/wwamap/wwatxtget.php?cwa=usa&wwa=coastal+flood+advisory][NWS Seattle | https://www.weather.gov/sew/][WPC | https://www.wpc.ncep.noaa.gov/discussions/pmdepd.html] This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit emnetwork.substack.com/subscribe

Joe's Premium Subscription: www.standardgrain.comGrain Markets and Other Stuff Links —Apple PodcastsSpotifyTikTokYouTubeFutures and options trading involves risk of loss and is not suitable for everyone.

When I visited the Gulf Coast of Florida, I got to see a couple of glorious earth turns. The sky was ablaze with color and the sun disappeared on the horizon. You say, "Excuse me, Ron, that's a sunset." Hey, wait a minute. Are you from the 14th century or something? The sun doesn't set, it doesn't move! The earth moves! As it makes its revolution, your point on earth turns away from the sun every 24 hours. So that would be an earth turn, right? And we say the sun sets. Well, the earth is turning and you can see how mankind got it wrong for so many centuries. I mean, it looks as if the sun is revolving around the earth. It revolutionized a lot of thinking when people finally understood what was revolving around what. I'm Ron Hutchcraft and I want to have A Word With You today about "Changing World, Unchanging Truth." Our word for today from the Word of God comes from 2 Timothy 3:16. It says this: "All scripture is God-breathed and is useful for teaching, rebuking, correcting and training in righteousness." Verse 17: "so that the man of God may be thoroughly equipped for every good work." Now, what this is really saying is the Bible is the sun - God's unchanging, unmoving truth. Everything else has to revolve around what God's Word says. God's Word on any subject is the final word. If you read this passage, it's written in the context of a time when Paul is predicting that moral values will be in total confusion, when wrong's going to seem right, when what's right will seem wrong. Doesn't that sound familiar? It's a time when imposters and false ideas will be deceiving many people. And so God's instructions to Timothy are, "You continue in what you've learned and become convinced of what you've learned from infancy - the Holy Scriptures." In other words, you've got to stay where you are. Don't let anything make you compromise on what God's Word says. It's unsettling to see that some research indicates that only about a fourth of America's Christians are sure there's absolute truth. We're shaky on this authority issue, especially when it comes to areas that cramp our style or require us to change or go against what our group or our culture says is true today. We sometimes try to make our idea the sun, and then we try to make the Bible a planet that revolves around it. We put more weight on what is politically correct or culturally correct than what is biblically correct. In academic circles, for example, there's this subtle temptation to submit the Bible to whatever your discipline is, whether that's the current trend in sociology, or literature, or the arts, or science. Well, you've got to submit your discipline to the Bible. God's Word is the final word of origin of the universe and the origin of man. And any explanation that says God did anything other than instantly creating a fully developed adult is wrong. God's Word is the final word on divorce, on re-marriage, on sexuality, whether it's hetero or homosexuality. Or what it means to be a woman, what it means to be a man. It's the final word on justice, on wealth, on sex, on the value of an unborn life. No mental contortions can neutralize God's authoritative Word on the subject. You do no one a favor by trying to make God's Word more acceptable by diluting what it says. We stand on this book, and I hope every day as we're together this book becomes more practical and more living in your life. The planets in our world are in chaos as human wisdoms are confusing, they're colliding. But God gave us this brilliant sun, one settled, unmoving, always true authority to keep the planets in the orbits they belong in - the Word of Almighty God, the Bible. People came out of the dark ages when they realized that the sun did not revolve around them. We come out of the darkness when we realize and we never compromise the final centrality of the Bible in our personal universe, and when we put the planets of all those other ideas where they belong - in orbit around the sun of the Word of God.

Patrick Jump from Warrior Legacy Ranch - Giving Day Fundraiser with FM Talk 1065 Crew - Midday Mobile Tuesday 12-02-25 (0:00) There will be no personal nor direct attacks on anyone and I would ask that you please try to (0:09) Keep down the loud cheering and the clapping there will be no booing and no unruly behavior (0:18) With that this is painful and it will be for a long time (0:24) Baby that's right. This man knows what's up after all these are a couple of (0:29) High-stepping turkeys and you know what to say about a high stepper. No step too high for a high stepper (0:35) This is midday mobile with Sean Sullivan on FM talk 106 5 where Sean's a tough guy (0:41) I mean, I think everybody knows that you know, Sean.He took some licks. He hangs in there (0:46) Yeah, what's wrong with the beer we got? I mean the beer we got drank pretty good (0:50) Did you hear what I said, so this is a brave council (0:56) That doesn't suck (1:02) Right away we go FM talk 106 5 midday mobile glad to have you along the phone number and the text line same as it's (1:10) Been for 16 years, but you're due to the station. First of all, welcome aboard glad to have you.It's two five one three four three (1:18) Zero one zero six for a call or a text same number two five one three four three zero (1:25) One zero six in addition if you want to leave us a talkback message (1:29) If you go to the FM talk 106 5 app right there on the front page of the app (1:33) Landon pick whatever it is the first what it opens up there (1:37) Down the bottom you'll see a microphone icon (1:38) If you'll press that let you record a message email to the show and I can play it back here on the air (1:44) All right lots to do on today's show (1:46) But I want to start off a conversation with a friend of mine and they'll tell you more about what's happening this afternoon at (1:51) Starting at 5 o'clock at Fairhope Brewing Company in Mobile (1:55) So I'm gonna point that out again because we've done this in the past (2:00) We've been at Fairhope Brewing Company at the home offices there in Fairhope (2:04) But this is the location on st. Louis in Mobile for Fairhope Brewing Company. It's cheers to charity and tonight (2:11) Dalton Dan and myself will be back behind the bar with Fairhope Brewing Company (2:15) Slinging beers and a hundred percent of your (2:18) Donations in the form of tips for us like the movie cocktail with a big tips ring the bell (2:23) Whatever put those big tips in because they go to warrior legacy ranch (2:27) Joining me now my buddy and I the man behind warrior legacy ranch the president warrior legacy ranch (2:33) Marine Corps corporal and buddy of the station Patrick jump joins us now.Hey Patrick (2:40) I'm good, man, and (2:42) You know you remind folks to this is giving Tuesday (2:45) And there's a lot of you know a lot of charities and and worthwhile charities out there saying hey think about this (2:50) You did cyber Monday now giving Tuesday. Well. This is the way we want to give on this Tuesday (2:55) We're gonna serve y'all beers and y'all can donate money that goes to warrior legacy ranch somebody who doesn't know (3:03) What WLR is what's your what's your uh you know elevator speech the quick version of what y'all do? (3:12) Listeners out there (3:14) Warrior legacy ranch is a multi (3:18) Multi-program facility design (3:21) The long-term goal is to build a facility to do platoon (3:25) Reunions so that veterans can come in for a week and stay and reconnect with people that they served with (3:30) But for a local impact for the Gulf Coast we had the Gulf Coast veterans Community Resource Center (3:37) Which is a lot of different programs, I think it was recently categorized as a mental health facility (3:43) But it's not a mental health facility.It's a place where veterans can go to (3:48) connect with other veterans (3:52) With mental health in mind (3:55) But not there there are no professional (3:59) Psychiatrists and psychologists in fact I would refer you to that's recovering mobile (4:06) Yeah, and by the way to the the groundbreaking has started out on the facility (4:12) But this will be like you said part of what's going on will bring you know (4:16) veterans in from all over the country to beat up, but this is going to be like (4:21) Just a hub. I mean what yeah, I don't want to use the wrong word here, but to me Patrick (4:25) It seems like a hub for for all the veterans in our area to be able to come out to the resource facility (4:32) Yeah, it is exactly that the hub is a great word for it (4:36) I always think back like my vision of it when it when we were first starting to kind of plan (4:42) This was like those old-school (4:46) Gen Xers and myself will probably remember like when cities had community centers, and they did events there for families and (4:56) For men for women for for families all together (5:00) That that's kind of where it is where where people could go in and reserve the facility and use it to carry out you know (5:06) Organizations can can reserve it and carry out that that's kind of missing from now (5:12) from our area so (5:14) I mean I grew up in the north so we had that but (5:19) That that's what I envisioned this this hub for (5:22) You know different military organizations different veterans organizations to come in use the the 20-acre property and (5:29) Do something with other veterans and then we'll fill that time on our own with our programs in the empty spaces (5:37) In military order the Purple Heart needs a meeting facility or wants to do something outside (5:42) Hey sign up reserve the space for the weekend, and it's yours (5:46) It's really cool (5:47) And these are gonna be big demand if y'all heard me talk about in the past the stats here the number of veterans (5:53) Right here in our corner of the world (5:56) there's a lot and (5:57) To have a facility like this long time coming so good good on you, man (6:03) So yeah, you talked about the stats (6:05) I don't have mobiles, but but I have Baldwin County's stat and it is (6:09) 11.2% of the population or 26,000 better than Baldwin County (6:16) And we don't even we don't even have a VA you got to go to Mobile or Pensacola for that (6:20) So we're trying to fill that gap in our community that's missing (6:25) For those 26,000 veterans, I think all of us could sit on the property right now (6:34) It'd be a little tight, but yeah, you know what's good too if you're listening (6:39) The veterans obviously y'all listen to what Patrick's talking about you may be familiar with what's going on there (6:44) But folks that aren't make sure your friends and family that are veterans know about this, right? (6:50) That's what the keys to I've got that many people (6:52) Because that number is actually bigger for Mobile County and then you bring in Southeast, Mississippi and Northwest, Florida and that number (6:59) I think we figured it one day was near (7:01) 80,000 (7:02) You put that through you got to make sure those folks know, you know, this facilities here moving forward (7:08) That's a key too. So y'all are all gonna be profits for us and spread the word.That's that's what I'm it's a job (7:14) I'm giving you on this Tuesday (7:15) So we got to make sure people know what's going on talk about tonight, too (7:19) Could be raising money and this is a if somebody can't make it out tonight (7:23) Which is the most fun most fun the way? (7:26) For giving Tuesday's to have a beer and give a big tip that goes to warrior legacy ranch (7:29) But if not Patrick, how do people make donations to what you're doing or just see more about what you're doing? (7:35) so warrior legacy ranch (7:38) Click-to-donate button there (7:40) It's not posted on the website. But if you go to our Facebook page (7:43) We're currently trying to raise some money to build an 800 foot long fence (7:48) So that we can do equine therapy with bonfire ranch on our property. We're trying to build this (7:54) 835 foot fence so there's like a hundred different fence posts where you could buy a plaque and we send you a little (8:01) A (8:03) Thank-you gift for for purchasing that and and it may be you know, a one of 200 available bottle (8:11) that ever existed as a thank-you gift for your donation, but (8:15) You get a chance to honor a veteran or your family (8:19) I know that you'll be along the side of some other veterans some elementary school classes (8:24) I know one of the local elementary schools in Baldwin County did it as a fundraiser for their grades to (8:30) Remember the school as a contributor see it.So they didn't get the gift (8:38) We'll find something else but fun kool-aid or something (8:40) Let's say I'd make a donation just not to have to drive t-post anybody who's done that in their life (8:45) I'll make a donation for somebody else to drive those (8:47) Those t-post in to make that fence for the equine therapy (8:50) But people could people ask you more questions about that obviously through the website or a bend your ear tonight and say hey (8:57) What's this all about? I? (8:59) Will be there. All right, good stuff Patrick. We will see you tonight and (9:03) Talk more about what you're doing at warrior legacy ranch and the Veterans Resource Center.Thank you, brother (9:08) All right. Thanks on all right there goes Patrick jump and yep. He'll be there tonight with us five o'clock (9:13) It starts goes 5 to 7 (9:15) Fairhope Brewing Company in Mobile on st.Louis for cheers to charity (9:20) 100% of the tips go to warriors legacy ranch and the Veterans Resource Center. So come on out. Have a good time (9:26) There tonight, all right coming right back more of midday mobile

Nearly 72 million people are under winter weather alerts from the Rockies to southern New England, as forecasters say a rapidly strengthening storm is forming over the eastern United States on Nov. 2. This is the third storm this week sweeping across the country. It's expected to set new low-temperature records, along with snow, rain, and a chance of Gulf Coast tornadoes. The FAA says some airports could see delays.The White House is defending a second strike on an alleged drug-smuggling boat in the Caribbean. The White House says Vice Admiral Frank Bradley ordered the follow-on strike and acted within his legal authority. The strike, however, is raising questions, and Congress is now investigating, with Bradley set to brief lawmakers this week.The White House says the Trump administration is feeling very optimistic about the peace process between Russia and Ukraine. White House press secretary Karoline Leavitt said U.S. Special Envoy Steve Witkoff is traveling to Russia to meet with Russian President Vladimir Putin. A Kremlin spokesman said the talks on Nov. 2 will be held behind closed doors. He declined to specify what issues the two are set to discuss.

Executive Director John Eckeberger has lived a life shaped by Gulf Coast weather. A native Texan with more than 50 years in ministry, John brings both grit and compassion to his leadership at the 4B Disaster Response Network—a coalition born out of Hurricane Harvey that now serves as a model for coordinated, faith-driven disaster relief.In this episode, John walks us through the mission of 4B DRN, how it all started, and why connecting churches, nonprofits, and volunteers is the secret sauce of effective disaster response. He shares the story behind their new response facility, the surprising ways volunteers stay active between major storms, and how other regions can replicate this community-first model.We also dive into Weathered Wisdom, where John recalls the extreme weather event that left the deepest mark on him—a moment that helped shape his calling.From mobilizing local churches as evacuation centers to equipping everyday people to step into disaster zones with confidence, John brings clarity, warmth, and hard-earned insight.Listeners will walk away with a practical understanding of how disaster resilience really gets built—and how they can support the mission.

Welcome, my Haunted Hearts, to Paranormal Heart Podcast, paranormal talk, with heart and soul.  I'm your host, Kat Ward. Thank you so much for tuning in.Before we journey into the mysteries of the unknown on this Remembrance Day, I'd like to thank the men and women who have served and are serving our great country. Thank you for your service and for the freedoms we hold dear. You have served with courage, dedication, and sacrifice. Lest we forget. Folks, I have another fascinating guest for you tonight. She's a spiritual teacher, healer, and master of the Akashic Records — a realm said to hold the memories and wisdom of every soul that's ever existed. My guest, Amy Robeson, helps people unlock their soul's purpose and connect with divine truth through this ancient, energetic library. Tonight, we'll explore what the Akashic Records truly are, how they can help us heal, and what mysteries they reveal about who we really are. Please welcome, Amy Robeson.A huge thank you to my special guest Amy Robeson tonight, and to you, my wonderful audience, for tuning in. I also want to thank UPRN 107.7 New Orleans and 105.3 the Gulf Coast for carrying the show. If you enjoyed tonight's episode, please Like, Subscribe, Share, and Comment—it truly means the world to me. And if you'd like a little piece of Paranormal Heart to call your own, you can grab some podcast swag, like a mug, by emailing me at paranormalheart13@gmail.com. Until we meet again, take care of yourselves and each other. Sending you all much love.Amy Robeson's Website:https://theamyrobeson.com/

This episode of the Louisiana NOW features an interview with Steve Barlow, the new Director of Finance and Conference Treasurer, and Rev. Dr. Van Stinson, the Executive Director of the Louisiana Conference of the United Methodist Church. Together, we explore Steve's transition into his role and his connection to the Gulf Coast. Reflecting on his past experiences, Steve shares how his time caring for his mother and a world cruise inspired his career path toward meaningful work in Louisiana. We also discuss the importance of financial stewardship within the Church, discussing the need for adaptive income strategies to further mission work. Steve draws on his extensive business background to highlight the parallels between managing finances in retail and the church. 

Gulf Coast Huddle 120225 Season 15, Episode 14 presented by Lone Star Gridiron as well as Fresh Media Works Stay tuned for all the great shows on the Lone Star Gridiron Sports Network. Contact the Huddle Twitter @chrisdoelle, @lsgridiron , @mikeforman21 Facebook https://www.facebook.com/LSGridiron ALL I NEED TO KNOW I LEARNED FROM MY TEXAS HIGH SCHOOL FOOTBALL COACH […]

Intro: Midwest Winter Storm Ingredients (00:00:01) Chicago's Record November Snowfall (00:01:14) Lake Effect Snow & Chicago's Uniqueness (00:02:15) Southern Stream Storms: An Unusual Setup (00:04:26) Synoptic Analysis: Moisture & Impact (00:06:29) Snowfall Totals: A Solid 8 Inches (00:07:32) Contrasting 2021 Data with NWS Info (00:11:47) Upcoming Storm System #1: Gulf Coast (00:12:52) System #2: Potential Missouri/Illinois Snow (00:15:00) System #3: Cold Front Snow Event (00:19:11) Extended Outlook: Polar Vortex Watch (00:20:20) Concluding Thoughts & This Winter's Pattern (00:21:25)Become a supporter of this podcast: https://www.spreaker.com/podcast/weather-with-enthusiasm--4911017/support.

Tune into this episode of the Alabama Saltwater Fishing Report, where host Tanner Deas sits down with Captain Jay O'Brien of Irish Wake Fishing, Chris Vecsey from Sam's Bait and Tackle, and fly fishing expert Sam Sumlin of Space Coast Flies and Community Fly Supply. Dive deep into expert strategies for targeting speckled trout, redfish, and white trout across Alabama's tidal rivers and causeways, plus the latest tips on matching the hatch and adjusting lure profiles and colors for trophy catches. Learn about the current nearshore tuna bite, including blackfin and yellowfin action just off the Alabama and Florida coasts. For anglers craving the finesse of fly fishing, discover essential gear and techniques for success in Gulf Shores and Mobile Bay. Whether you're passionate about inshore, offshore, or fly fishing, this episode delivers actionable fishing tips, seasonal insights, and product recommendations to help you land more fish. Perfect for anglers searching for the latest Alabama fishing report, saltwater fishing tips, and fly fishing in the Gulf Coast.   SPONSORS The Coastal Connection Sea Tow Test Calibration Dixie Supply and Baker Metal Works  Foster Contracting  Pure Flats KillerDock BOW Blue Water Marine Service Black Buffalo Stayput Anchor AFTCO SlipSki Solutions Saltwater Marketing

This week on the Con-Fusion Wrestling Podcast, I sat down with Vyra LeStrange. A standout on the Gulf Coast, Vyra is a three-time Diamond Championship Wrestling Women's Champion. We talk about her journey into wrestling, training under Scott Armstrong, her fitness journey, and much more!Vyra can be found online at:Instagram: https://www.instagram.com/vyra_lestrange/Twitter: https://x.com/Vyra_LestrangeFacebook: https://www.facebook.com/vyra.lestrangeWe're on social media onFacebook: www.facebook.com/confusionwretlingpodcastTwitter, Bluesky, & Instagram: @thenovaofcass.All the other links can be found at www.linktr.ee/confusionwrestlingpodcast.If you'd like to assist monetarily, there's a tip jar at www.ko-fi.com/cassonova. For more bang for your buck, check out www.patreon.com/cassonova. For as little as $1, you can get the podcast two days early and ad free. You also get weekly exclusives and early access while helping upgrade the equipment. So be like Keith Winn, Alainya, and Alan Schroeder and check it out!Also, for all your energy drink and workout needs, head to www.reppsports.com and when you checkout, use my coupon code "CASS" at checkout and earn 15% off your order.Oh! And I'm on Cameo now at https://www.cameo.com/thenovaofcassAffiliate Links:Gevi: gevi.pxf.io/AWJxbxPrince Nana Coffee: https://princenanacoffee.com/?ref=ROBKAMERERMLWGet your Tees at: https://www.teepublic.com/user/confusionwrestlingpodcastCon-Fusion is part of the Urban Wrestling Network. You can watch their show on YouTube at Urban Wrestling Network - YouTube and you can follow them on the Twitter @UrbanWrestleNWFor business inquiries, send all messages to rzkamerer[at]comcast.net.

Gulf Coast Huddle 112625 Season 15, Episode 13 presented by Lone Star Gridiron as well as Fresh Media Works Stay tuned for all the great shows on the Lone Star Gridiron Sports Network. Contact the Huddle Twitter @chrisdoelle, @lsgridiron , @mikeforman21 Facebook https://www.facebook.com/LSGridiron ALL I NEED TO KNOW I LEARNED FROM MY TEXAS HIGH SCHOOL FOOTBALL […]

Joe's Premium Subscription: www.standardgrain.comGrain Markets and Other Stuff Links —Apple PodcastsSpotifyTikTokYouTubeFutures and options trading involves risk of loss and is not suitable for everyone.

Join host Bill Faulkner on the Mastering Rod Building Podcast as he welcomes Nikki Paschen, renowned Gyotaku (Japanese fish printing) artist, ceramic specialist, and owner of Nautical Paschens, along with her collaborator Jen Cox. Dive into the vibrant world of Gyotaku fish printing on the Gulf Coast as Nikki and Jen share their journey from yacht detailing to creating stunning fishing art, apparel, and fishing memorabilia for anglers and boaters. Hear unique stories behind printing rare species like blue marlin and lionfish, discover tips for starting your own fish print art, and learn how the fishing community at Zeke's Marina inspires their work. Plus, get the latest on custom rod building, Gulf Coast fishing, and how art connects anglers across generations. Featuring shoutouts to captains Tony Bearden, Gary Goodwin, Jamie G., and Patrick Dickinson, this episode is a must-listen for fishing enthusiasts, art lovers, and those looking for unique fishing gear and gifts.Mastering Rod Building is brought to you by Anglers Resource — your source for genuine Fuji Tackle components.Where to buy genuine FUJI®️ rod components (Area Distributors)Japan: FIRST Corporation — https://first-fuji.co.jp/ • mail@first-fuji.co.jpAmerican Continent (North & South America): Anglers Resource — https://anglersresource.net/ • info@anglersresource.netOceania: Frogleys Offshore — https://fujitackle.com.au • enquiries@frogleysoffshore.com.auSpain/Czech/Finland/Sweden/Estonia/Latvia/Poland/Denmark/Belgium/Germany/Netherlands/Ireland/Luxembourg/France/Portugal/UK/Norway/Belarus/Ukraine/Russia:: CALICO S.A. (Kalikunnan) — https://kalikunnan.com/ • fuji@calico.esEurope: MAJORA Intelligent Fishing (FUJI Tackle Italy) — https://www.fujitackle.it • info@fujitackle.itAsia: KOWA Company, Ltd. — fujitackle@kowa.co.jp

In this episode, we're joined by Charmaine Schmermund and Francesca Linthicum from the Department of Marine Resources , who leads the Mississippi Seafood Marketing Program, to break down how the Coast's most iconic industry is protected and promoted. We cover how the agency promotes local harvesters, supports Coast culture, and educates the public through statewide outreach events.

As the fall weather begins to cool, this is the perfect time to enjoy the outdoors of Texas. The state has an abundance of hiking options to choose from. Regions covered include the Panhandle Plains, prairies and lakes, Piney Woods, Gulf Coast, South Texas Plains, Hill Country, and Big Bend. What makes Texas hiking unique? What dangers and challenges should hikers be prepared for? And which hikes best capture the spirit of Texas?

Welcome, my haunted hearts, to Paranormal Heart podcast, paranormal talk with heart and soul. I'm your host, Kat Ward. Thank you so much for tuning in.Folks, I have another great guest tonight. He's a return guest, co-host of the wonderful show Don't Whistle at Night, and UPRN brother Don Yazzie. This evening, Don takes us deep into the shadowed corners of legend and fear — as we unravel the truth behind Skinwalkers and the Wendigo. Two beings often confused, yet worlds apart in origin and intent. I'll admit, even I've mixed them up a time or two… but after tonight, we may all see them in a very different light.A huge thank you to my special guest tonight, and to you, my wonderful audience, for tuning in. I also want to thank UPRN 107.7 New Orleans and 105.3 the Gulf Coast for carrying the show. If you enjoyed tonight's episode, please Like, Subscribe, Share, and Comment—it truly means the world to me.And if you'd like a little piece of Paranormal Heart to call your own, you can grab some podcast swag, like a mug, by emailing me at paranormalheart13@gmail.com. Until we meet again, take care of yourselves and each other. Sending you all much love.Don't Whistle at Night Podcast on YouTube: https://www.youtube.com/@DontwhistleatnightpodcastWebsite: https://www.dontwhistleatnight.com/

Today's program was like sitting down with a good friend over a cup of coffee and talking about world events and God's promises. It was wonderful to have Rabbi Eric on Bagels and Blessings again.Rabbi Eric was raised in a traditional Jewish home.While serving in the US Navy, Rabbi Eric was challenged by a believer in Yeshua to study the Scriptures until he found answers within them. While searching the Hebrew Scriptures, Rabbi Eric found belief in Yeshua as the promised Messiah of Israel which brought answers to all of the questions he had. It is now over 33 years ago. Since then Rabbi Eric studied to become an ordained Rabbi in the IAMCS (International Alliance of Messianic Congregations and Synagogues). He has served as a Rabbi in Mobile, Alabama. He also helped to establish five synagogues across the Gulf Coast in Slidell, Louisiana; Bayou La Batre, Alabama; Spanish Fort, Alabama; Navarre, Florida, and Brit Ahm Messianic Synagogue in Pensacola, Florida, where he serves as Rabbi today. Rabbi Eric has been married for 44 years to his wife Pammy.Rabbi Eric is also the author of many books, including:Simple Shabbat Siddur: Guide to a Restful, Peace-filled, Traditional Shabbat, But... The Power of One Word, God Has No Plan B: With Over 45 Other Lessons and15 Ways Ministry is killing Ministry.

Join the Alabama Saltwater Fishing Report for an action-packed episode loaded with the latest Gulf Coast fishing insights and expert tips. Host Butch Thierry and co-host Angelo DePaola deliver hot reports on inshore and offshore fishing across Alabama's coastal waters, including strategies for targeting speckled trout, redfish, wahoo, and yellowfin tuna. Captain Bobby Crawley of Making Plans Charters recaps an epic barrier island wade fishing adventure, breaking down tackle setups and must-have gear for trophy catches. Captain King Marchand of the Lady Anne shares offshore tuna and bottom fishing tactics, bait strategies, and observations on changing water and weather. Tom Hilton from Hilton's Real Time Navigator brings a deep dive into reading satellite data for optimal offshore success, while William Strickland of Mobile Baykeeper provides critical updates on conservation efforts and water quality in Mobile Bay. Plus, don't miss Angelo's expert analysis on Alabama's coastal real estate market trends and advice for buyers and sellers in today's unique market. Whether you're after the latest Mobile Bay fishing reports, looking to master Gulf of Mexico fishing, or want to stay up to speed on coastal property and conservation news, this episode has you covered!   SPONSORS The Coastal Connection Sea Tow Test Calibration Dixie Supply and Baker Metal Works  Foster Contracting  Pure Flats KillerDock BOW Blue Water Marine Service Black Buffalo Stayput Anchor AFTCO SlipSki Solutions Saltwater Marketing

Join host Joe Baya and a team of expert captains, including Angelo DePaola, Butch Thierry, Tom Hilton, Blake Hunter, and Captain Evan Wheeler, for the latest Northwest Florida Fishing Report. This episode covers inshore, offshore, and surf fishing conditions from Pensacola to Destin and Panama City, featuring hot bite updates for pompano, redfish, yellowfin tuna, and whiting. Learn expert techniques for targeting Gulf Coast fish using satellite data for altimetry, salinity, and sea temperatures. The captains discuss surf fishing strategy, winter trout and redfish tactics, and keys for finding trophy catches. Plus, get insider real estate tips for anglers seeking waterfront homes and boat-friendly properties along the Emerald Coast. If you're looking for the most up-to-date Gulf Coast fishing forecast and expert advice, this episode delivers all the high-impact fishing trends, tips, and market insights you need.   Sponsors Fishbites Dixie Supply and Baker Metal Killerdock Test Calibration Coastal Connection EXP Realty Great Days Outdoors AFTCO Sea Tow SlipSki Solutions Black Buffalo Pure Flats Saltwater Marketing Stayput Anchor

Gulf Coast Huddle 112025 Season 15, Episode 12 presented by Lone Star Gridiron as well as Fresh Media Works Stay tuned for all the great shows on the Lone Star Gridiron Sports Network. Contact the Huddle Twitter @chrisdoelle, @lsgridiron , @mikeforman21 Facebook https://www.facebook.com/LSGridiron ALL I NEED TO KNOW I LEARNED FROM MY TEXAS HIGH SCHOOL FOOTBALL COACH […]

Tracie Sempier has spent more than two decades working with disaster-prone communities along the Gulf Coast — listening, teaching, evaluating, and helping local leaders strengthen their resilience. As a Coastal Resilience Engagement Specialist with Mississippi-Alabama Sea Grant, she brings a rare mix of research, community insight, and hands-on experience.On this episode of GeoTrek, she shares what she's learned about preparedness, trust, communication, and the realities communities face long after the headlines fade.

Gulf Coast homeowners face unique roofing challenges from salt air, humidity, and storms. Discover the prevention methods that can significantly extend your roof's lifespan and save thousands in repairs. To read more, visit https://galvestoncountyroofing.com/ Galveston County Roofing City: Kemah Address: 808 Anders Ln Website: https://galvestoncountyroofing.com/

Learn why Texas contractors favor stamped concrete for patios and outdoor spaces. From handling harsh Gulf Coast weather to providing extensive design options at a fraction of the cost, find out what makes this decorative technique the smart choice for homeowners. Visit https://concrete-setx.com for more. Concrete Trends and Innovations City: El Lago Address: 400 Lakeshore Drive Website: https://concrete-setx.com

Join host Butch Thierry for this week's Alabama Saltwater Fishing Report, packed with expert fall fishing tips and Gulf Coast tactics for targeting speckled trout, redfish, pompano, and whiting. Captain Richard Rutland shares proven Delta strategies as water temperatures drop, covering deep and shallow water presentations for big trout and redfish. Captain Shane Trailer dives into successful fishing in tidal rivers and the Delta, breaking down lure selection, water column coverage, and how to adapt to changing conditions. Bama Beach Bum (Matthew) gives a surf fishing update, highlighting minimalist rigs, large pompano catches, persistent whiting action, and bait selection—perfect for anglers fishing the Gulf Shores and nearby beaches. Whether you're after inshore trophies or hot beach action, this podcast delivers the latest Alabama fishing reports and actionable advice for Gulf Coast anglers.   SPONSORS The Coastal Connection Sea Tow Test Calibration Dixie Supply and Baker Metal Works  Foster Contracting  Pure Flats KillerDock BOW Blue Water Marine Service Black Buffalo Stayput Anchor AFTCO SlipSki Solutions Saltwater Marketing

In this week's Northwest Florida Fishing Report, host Joe Baya delivers an action-packed update on the hottest fall fishing in Destin and Pensacola. Offshore expert Captain Adam Peoples shares valuable insights on the exceptional Wahoo bite, Blue Marlin and swordfish action, plus pro tips for targeting yellowfin tuna and rig tactics in the Gulf of Mexico. Inshore, surf fishing guide Justin Reed breaks down the Pensacola pompano and whiting bite, offering the best strategies, beach locations, bait, and tackle tips for shoreline success. Whether you're after offshore giants or surfside slabs, get the latest Florida fall fishing news, forecasts, and techniques from top Gulf Coast captains.   Sponsors Fishbites Dixie Supply and Baker Metal Killerdock Test Calibration Coastal Connection EXP Realty Great Days Outdoors AFTCO Sea Tow SlipSki Solutions Black Buffalo Pure Flats Saltwater Marketing Stayput Anchor

Abianne Falla used to see the native holly shrub as a pesky invasive on her family's Texas land, until the 2011 drought highlighted its resilience: it was the sole green survivor. Yaupon (Ilex vomitoria) is North America's only caffeinated plant, though its roots as a ceremonial brew in Gulf Coast indigenous societies have been suppressed by colonial forces and lost to commercialization. As a member of the Chickasaw Nation, Abianne became interested in yaupon and crafted a variety of flavor profiles in her home roasting experiments, which she grew into her company, CatSpring Yaupon.  Abianne harnesses yaupon for regeneration, harvesting on 500 acres while restoring degraded grasslands, boosting biodiversity by 70% and soil carbon by 7%, and fostering balanced ecosystems through grazing. Abianne's organic, wild-harvested model turns a 20-million-acre nuisance into sustainable income and regenerative opportunities. In this episode, John and Abianne discuss: Yaupon's drought resilience and its takeover of Texas savannas. Its balanced caffeine mix for crash-free, joyful energy, plus anti-inflammatory benefits. Reviving indigenous traditions with cultural care in branding. Turning "weeds" like yaupon or kudzu into crops via history, AI, and observation. Building a new category from markets to multi-channel sales. The market potential for local, climate-resilient caffeine amid global shifts. Additional Resources To learn more about Cat Spring Yaupon, please visit: https://catspringtea.com/ About John Kempf John Kempf is the founder of Advancing Eco Agriculture (AEA). A top expert in biological and regenerative farming, John founded AEA in 2006 to help fellow farmers by providing the education, tools, and strategies that will have a global effect on the food supply and those who grow it. Through intense study and the knowledge gleaned from many industry leaders, John is building a comprehensive systems-based approach to plant nutrition – a system solidly based on the sciences of plant physiology, mineral nutrition, and soil microbiology. Support For This Show & Helping You Grow Since 2006, AEA has been on a mission to help growers become more resilient, efficient, and profitable with regenerative agriculture.  AEA works directly with growers to apply its unique line of liquid mineral crop nutrition products and biological inoculants. Informed by cutting-edge plant and soil data-gathering techniques, AEA's science-based programs empower farm operations to meet the crop quality markers that matter the most. AEA has created real and lasting change on millions of acres with its products and data-driven services by working hand-in-hand with growers to produce healthier soil, stronger crops, and higher profits. Beyond working on the ground with growers, AEA leads in regenerative agriculture media and education, producing and distributing the popular and highly-regarded Regenerative Agriculture Podcast, inspiring webinars, and other educational content that serve as go-to resources for growers worldwide. Learn more about AEA's regenerative programs and products: https://www.advancingecoag.com  

Gulf Coast Huddle 111325 Season 15, Episode 11 presented by Lone Star Gridiron as well as Fresh Media Works Stay tuned for all the great shows on the Lone Star Gridiron Sports Network. Contact the Huddle Twitter @chrisdoelle, @lsgridiron , @mikeforman21 Facebook https://www.facebook.com/LSGridiron ALL I NEED TO KNOW I LEARNED FROM MY TEXAS HIGH SCHOOL FOOTBALL COACH […]

The Senate is taking a series of procedural votes aimed at finalizing the deal between Republicans and some Democrats that would end the government shutdown, teeing up a final vote later Monday night. Airlines are expected to cancel 4% of their flights at 40 of the busiest airports in the U.S. on Monday to comply with an order from the Federal Aviation Administration amid the government shutdown. Record cold high temperatures on Monday and Tuesday are expected throughout the South and Southeast along the Gulf Coast states. To learn more about listener data and our privacy practices visit: https://www.audacyinc.com/privacy-policy Learn more about your ad choices. Visit https://podcastchoices.com/adchoices

The Senate passes the government funding deal, marking the biggest step yet toward ending the six-week shutdown. Now the pressure is on the House to get federal workers paid and critical services back online. Plus, thousands of flights have been canceled nationwide as the shortage of air traffic controllers worsens. Airlines warn Tuesday could be one of the toughest travel days yet. And winter comes early. From Chicago's first snow to freeze alerts stretching from Atlanta to the Gulf Coast, more than 90 million Americans are waking up to a bitter blast of cold. These stories and more highlight your Unbiased Updates for Tuesday, Nov. 11, 2025.

In this episode, we sit down with Eric from Lost Pizza Co. in Ocean Springs to talk about more than just great food. We get into how the restaurant has become a true part of the community — hiring local kids, supporting local schools, and building a family atmosphere that goes way beyond the dining room. We also discuss an important fundraiser happening for Jacob, a former employee who was seriously injured in an accident. On November 18th, Lost Pizza Co. is donating 100% of the entire day's sales (dine-in, takeout, and delivery) to help support Jacob and his family with medical and travel expenses. This is a chance for the Gulf Coast to show what community really looks like.

Welcome, my Haunted Hearts, to Paranormal Heart Podcast, paranormal talk, with heart and soul. Tonight's segment is pre-recorded streaming on United Public Radio Network, 107.7 New Orleans and 105.3 the Gulf Coast, YouTube and anyplace you find your favorite podcasts. I'm your host, Kat Ward. Thank you so much for tuning in. Before we journey into the mysteries of the unknown on this Remembrance Day, I'd like to thank the men and women who have served and are serving our great country. Thank you for your service and for the freedoms we hold dear. You have served with courage, dedication, and sacrifice. Lest we forget. Folks, I have another fascinating guest for you tonight. She's a spiritual teacher, healer, and master of the Akashic Records — a realm said to hold the memories and wisdom of every soul that's ever existed. My guest, Amy Robeson, helps people unlock their soul's purpose and connect with divine truth through this ancient, energetic library. Tonight, we'll explore what the Akashic Records truly are, how they can help us heal, and what mysteries they reveal about who we really are. Please welcome, Amy Robeson. A huge thank you to my special guest Amy Robeson tonight, and to you, my wonderful audience, for tuning in. I also want to thank UPRN 107.7 New Orleans and 105.3 the Gulf Coast for carrying the show. If you enjoyed tonight's episode, please Like, Subscribe, Share, and Comment—it truly means the world to me. And if you'd like a little piece of Paranormal Heart to call your own, you can grab some podcast swag, like a mug, by emailing me at paranormalheart13@gmail.com. Until we meet again, take care of yourselves and each other. Sending you all much love. Amy Robeson's Website: https://theamyrobeson.com/

NGI's managing editor of Mexico, Christopher Lenton speaks with Alex Munton, global gas and LNG research lead at Rapidan Energy Group, about how the Trump administration is impacting North American natural gas markets. Munton highlights that while the industry welcomes a more favorable policy environment, rising costs are weighing heavily on upstream activity. This makes for a more complex dynamic for natural gas even as LNG demand surges. Munton also explains that the United States faces the daunting task of boosting production by roughly 20 Bcf/d to meet booming LNG exports and rising power demand. Against that backdrop, key gas plays like the Marcellus and Haynesville shales face infrastructure and cost hurdles. He also casts doubt on Mexico's and Alaska's LNG ambitions amid financing and logistical challenges, reinforcing why Gulf Coast terminals dominate. As affordability and energy costs become political flashpoints, Munton warns that high prices could reshape both the energy landscape and U.S. voter sentiment.

In this episode, returning guest Kristen Keane joins Mike and Ashley to recap her experience racing Ironman 70.3 Augusta. Kristen, who first appeared on episode 213 after our meeting at Ironman 70.3 Texas, has had an incredible season—racing Ironman 70.3 Gulf Coast, earning 1st place in her Age Group at a July sprint triathlon, and qualifying for USAT Sprint Nationals. As a TriDot athlete, Kristen discusses how her communication plan with her coach helps her stay consistent and confident on race day. She gives a detailed breakdown of Augusta 70.3, including the unique swim start waiting area inside a minor league baseball stadium. Later, the conversation takes a heartfelt turn as Kristen opens up about a personal loss she and her husband experienced. The crew closes with laughter over Garmin's newest “Sexy Time” activity.#TriathlonPodcast #EverydayIronman #Ironman703 #AgeGroupAthlete #TriDot #USATriathlon #IronmanTraining #RaceRecap #TriLife #GarminConnect #PodcastForAthletes #MotivationForTriathletesFit, Healthy & Happy Podcast Welcome to the Fit, Healthy and Happy Podcast hosted by Josh and Kyle from Colossus...Listen on: Apple Podcasts SpotifySupport the show

What does it take to stay rooted on the Gulf Coast, even as the land and weather change around us? We meet individuals, from a poet to a minister to a computer programmer, each finding their own creative ways to adapt and fight for the future of their communities. From amphibious homes to inland retreats to processing our changing environment through poetry, we hear how people's ingenuity is helping chart a new path forward.To hear more from Rachel Nederveld's oral history series, No Matter the Water, click here or find it wherever you get your podcasts.This episode was hosted and produced by Carlyle Calhoun. Sea Change's theme music is by Jon Batiste, and our sound designer is Emily Jankowski. Carlyle Calhoun is the executive producer.Sea Change is a WWNO and WRKF production. We are part of the NPR Podcast Network and distributed by PRX. And to help others find our podcast, hit subscribe wherever you get your podcasts. Sea Change is made possible with major support from the Gulf Research Program of the National Academy of Sciences, Engineering, and Medicine. Sea Change is also supported by the Water Collaborative of Greater New Orleans. WWNO's Coastal Desk is supported by the Walton Family Foundation, the Meraux Foundation, and the Greater New Orleans Foundation.

Welcome, my Haunted Hearts, to Paranormal Heart podcast, paranormal talk, with heart and soul. I'm your host, Kat Ward. Thank you so much for tuning in.I have another great segment for you tonight! Returning to the show is my dear friend and renowned researcher of the unknown, Michelle Desrochers. Tonight, Michelle will be diving into the fascinating world of symbols and sigils — what they are, how they differ, and the power behind them.A huge thank you to my special guest tonight, and to you, my wonderful audience, for tuning in. I also want to thank UPRN 107.7 New Orleans and 105.3 the Gulf Coast for carrying the show. If you enjoyed tonight's episode, please Like, Subscribe, Share, and Comment—it truly means the world to me. And if you'd like a little piece of Paranormal Heart to call your own, you can grab some podcast swag, like a mug, by emailing me at paranormalheart13@gmail.com. Until we meet again, take care of yourselves and each other. Sending you all much love.About Michelle:  Michelle is an international public figure who has been professionally and actively researching the unexplained, and successfully working in media for the past two decades with her area of study focused primarily in the paranormal, specifically on malevolent hauntings and attachments. She is highly versed in many subject matters within her field, and as an Extraterrestrial Experiencer, has expanded her knowledge and studies to include UFOlogy and other areas considered “High Strangeness.” She is often called upon by the media to advise, create and consult, (for television and other related media). She is Co-Producer to the very popular Radio Show “The Outer Realm” to which she co-hosts with her friend and teammate, Amelia Pisano. She has a passion for old world - ancient history and architecture to which she has always and continues to excel in. Combined with her love of travel, not only did it lead her on an incredible journey of exploration into the locations that she has always dreamed of visiting, but it opened doors to venture into locations that others have been denied access to. She considers herself to be an explorer of all that would be deemed otherworldly.Website: www.michelledesrochers.comYouTube: @michelle-theouterrealmradioRumble: Search TheOuterRealm

EP 98 | Want to Do Airs? Start Here. | Pinch My SaltEver wondered how surfers actually learn to do airs? In this episode of Pinch My Salt, Sterling Spencer breaks down the real secret to surf aerials — and it's NOT what most surf coaches tell you. We talk about the right way to start learning airs, why speed matters more than technique, how skating barefoot helps progression, and the biggest mistakes surfers make when trying to boost.This episode quickly turns into a hilarious deep dive into surf culture, longboarding vs shortboarding, knee-paddling, core-lords, kook behavior, surf school problems, Black Belt Surf System, conspiracy theory spirals, OnlyFans culture (yeah… it goes there), and the behind-the-scenes reality of surf sponsorships, brands, and “core vs sellout” debates.If you love surf progression tips, surf comedy, Sterling Spencer stories, and real conversations about surfing, life, and culture — this one's for you.

Award-winning journalist, author, musician, and all-around renaissance man Bill Riales joins Sean Sullivan to reflect on his remarkable 50-year career in broadcasting. From his humble start at age 14 in Mississippi radio to his longtime role as a trusted anchor at WKRG, Bill shares behind-the-scenes stories, lessons learned, and the heartfelt reason behind his upcoming retirement. The conversation dives into his creative pursuits—from crime novels to banjo picking—and his unwavering commitment to veterans, including his emotional experience with Honor Flight South Alabama. It's funny, nostalgic, and deeply inspiring. A must-listen farewell (but not goodbye) from one of the Gulf Coast's most beloved voices.

“The Mississippi River will always have its own way; no engineering skill can persuade it to do otherwise,” said Mark Twain. In this, our final episode marking the 20th anniversary of Hurricane Katrina, we consider how efforts to control the Mighty Mississippi – a river engineered from its Minnesota headwaters to its Gulf Coast outlet – have responded to the devastating storm, and how New Orleans' relationship to the river has changed. Can the city keep up with the pressure that climate change is putting on this engineered system, or is retreat the only viable response? Plus, a wetland recovery project that aims to bolster protection from hurricanes and flooding in the Lower Ninth Ward. Guests: Boyce Upholt – Journalist and author of “The Great River: The Making and Unmaking of the Mississippi River”  Nathaniel Rich – Author of “Second Nature: Scenes From a World Remade” and the New York Times Op-Ed, “New Orleans' Striking Advantage in the Age of Climate Change”  Harriet Swift – New Orleans resident Andrew Horowitz – Historian, University of Connecticut, author of "Katrina: A History, 1915-2015" Rashida Ferdinand – Founder and Executive Director of Sankofa Community Development Corporation, overseeing the Sankofa Wetland Park and Nature Trail in New Orleans Jason Day – Biologist, wetland Scientist, Comite Resources in Louisiana Descripción en español Featuring music by Dewey Dellay and Jun Miyake You can get early access to ad-free versions of every episode by joining us on Patreon. Thanks for your support! Big Picture Science is part of the Airwave Media podcast network. Please contact advertising@airwavemedia.com to inquire about advertising on Big Picture Science. Learn more about your ad choices. Visit megaphone.fm/adchoices

While most Sandhill Cranes migrate, the Mississippi population lives year-round in wet pine savanna near the Gulf Coast. Their dependence on this unique habitat caused their population to plummet to just 35 when the savanna began to disappear. Through the Endangered Species Act, an almost 20,000-acre wildlife refuge was established for the cranes and the population has begun to recover.More info and transcript at BirdNote.org.Want more BirdNote? Subscribe to our weekly newsletter. Sign up for BirdNote+ to get ad-free listening and other perks. BirdNote is a nonprofit. Your tax-deductible gift makes these shows possible.   Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Join host Tanner Deas with Dauphin Island Fishing Charters on this week's Alabama Saltwater Fishing Report. Tanner is joined by Dylan Kiene for the onshore report. Capt. Tanner teams up with Captain King Marchand with Capt. Mike's Fishing and Captain Robby Howard of Coastal Fins Fishing to deliver the ultimate Gulf Coast fishing update.  This episode dives deep into the current inshore, offshore, and onshore conditions across Mobile Bay, Dauphin Island, and the greater Alabama Gulf Coast, spotlighting high-percentage tactics for targeting flounder, redfish, trout, and more. Learn expert tips on fall fishing strategies, bait selection, how changing water temperatures affect fish movement, and the best practices for wade fishing and bottom fishing. Whether you're a seasoned angler or booking your next Alabama fishing charter, this episode has the must-know insights to boost your success on the water. Don't miss the latest guides' reports, fishing patterns, and top spots for the season!   SPONSORS The Coastal Connection Mobile Baykeeper  Sea Tow Test Calibration Bucks island Dixie Supply and Baker Metal Works  Admiral Shellfish  Foster Contracting  SouthEastern Pond Management CCA Alabama STAR Tournament  Fishbites  Salts Gone  Realtime Navigator  Return em Right   Shoreline Plastics Saunders Yachtworks  Pure Flats KillerDock  BOW Blue Water Marine Service ADCNR The Obsession Outdoors Black Buffalo Stayput Anchor

You all know that we are way behind when it comes to listener blinds. We've talked about having a big live on YouTube (check out our channel), but for now, we picked a set at random got to work. In this episode, we double blind four different samples from our listener Rick from Louisiana. Even though we assumed we had never had any of these whiskeys before, Kenny proved that the palate can indeed have a memory. So join us this week as we do some more blinds and have a bunch of fund in the process. Thanks for making this one possible, Rick! --------------------------SocialsIG: https://www.instagram.com/themashupkyFB: https://www.facebook.com/themashupkyYouTube: https://www.youtube.com/@themashupkyJoin our community on Patreon: https://www.patreon.com/TheMashUpBourbonPodcastPartnership(s)Visit Bourbonoutfitter.com and enter code THEMASHUP for a special discount or visit bourbonoutfitter.com/THEMASHUPMusic: All the Fixings by Zachariah HickmanThank you so much for listening!

Jump into this week's Northwest Florida Fishing Report for a comprehensive update on Gulf Coast angling action. Host Joe Baya is joined by Captain Adam Peeples to break down the current snapper season, east wind fishing strategies, and blue water tactics for marlin, swordfish, and tuna. Captain Blake Nelson delivers expert advice on adapting to fall cold fronts, targeting redfish and trout on the flats, and adjusting techniques for success in back bays and creeks. Pier and surfpro Matthew Isbels, better known the Bama Beach Bum, shares reports from Navarre, details on chasing Bonita and redfish from the pier, and offers up the latest on kayak action for Blackfin tuna and more. Finally, Kazuki Kitajima of Hayabusa USA uncovers the secrets of choosing the perfect sabiki rig for bait fishing. Whether you're targeting state water snapper, venturing offshore, looking for the best live bait tactics, or fine-tuning your fall inshore fishing, this Florida fishing podcast delivers essential tips, gear strategies, and up-to-the-minute forecasts to help you succeed on the water. Sponsors Fishbites Dixie Supply and Baker Metal Killerdock Test Calibration Coastal Connection EXP Realty Great Days Outdoors AFTCO Sea Tow Southeastern Pond Management Admiral Shellfish Black Buffalo