Podcasts about hoa

Sarah and Vinnie's most recent Instagram Reel might be the best yet. Plus, more HOA drama!

Quách Đình Dũng (Dũng Quách) một người gốc Hoa đã định cư ở Việt Nam hơn 100 năm. Gia đình Dũng từng là nạn nhân của chiến tranh, mẹ bị pháo giết, cha và ba anh trai bị bắt tù vì nghi cộng sản. Chỉ còn cậu bé Dũng 14 tuổi, bơ vơ giữa vùng mã đá tan hoang. Cậu sống lang bạt, lớn lên giữa chợ búa, bạo lực và nghiện ngập. Chiến tranh đã đẩy Dũng trở thành kẻ liều lĩnh, lạnh lùng.

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Ryan Murphy reportedly has a flop on his hands with ‘All's Fair' starring Kim Kardashian. Ariana Grande joins American Horror Story with returning cast Evan Peters and Emma Roberts. Is Bob trying to make Vinnie feel stupid? Should we all be wearing makeup like Billy Idol? A UPS plane crash leaves several dead and others injured. Vinnie has the details. Who thinks cash is cringe? Well the kids of course! The new Fantastic 4 movie is now available for free on streaming. If you're not interested in that, here's some other stuff we're watching. Is cloning your dog wrong? Tom Brady doesn't think so. The internet sleuths are looking for clues about David Harbour in old interview clips. The atmospheric river is teasing us. Jerry Seinfeld (the character) dated over 60 women over 9 seasons. Dealing with an HOA? Vinnie feels your pain. Don't forget to drink your moon juice! It's time for Bridge The Gap! This week Sarah and Vinnie are joined by Joe and Joe. Can GenX finally pull out a win against the Zillennials? Stats tell us that Moms are the CEO of holidays at home. This year the average Thanksgiving will have 9 people, and potlucks are growing in popularity. Vinnie has a jaw dropping update on the Louvre heist. A bride blows up her wedding after insane advice from her psychic. Bob might steal the mic from Rob Thomas at Alice In Winterland. Kiss, Marry, Kill: A wedding, funeral, or middle school talent show. This might be the most the gang has ever disagreed! Barry Manilow's biggest hits are commercial jingles. Voter turnout was stronger than expected yesterday… especially in Kentucky. Is it wrong: Apple pie flavored mac and cheese? The NYC Marathon found a missing guy. Is it too early for Christmas trees? Plus, when did that happen?

The new Fantastic 4 movie is now available for free on streaming. If you're not interested in that, here's some other stuff we're watching. Is cloning your dog wrong? Tom Brady doesn't think so. The internet sleuths are looking for clues about David Harbour in old interview clips. The atmospheric river is teasing us. Jerry Seinfeld (the character) dated over 60 women over 9 seasons. Dealing with an HOA? Vinnie feels your pain. Don't forget to drink your moon juice!

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Hosts Regan Brown and Bill Mann, President of GB Group Construction & Painting, sit down with Cang Le, Founder and Attorney at Le Firm, to discuss the complexities of conflict resolution within homeowner associations (HOAs). Together, they explore when to involve legal counsel, how to effectively manage community disputes, and the most successful techniques for de-escalation. Cang shares insights from his extensive experience in HOA law, emphasizing the importance of preparation, active listening, and clear communication during board meetings. 

Send us a textMarriage 2.0 with kids means romance, mustaches, and emergency key fob batteries. In this installment of Super Familiar with the Wilsons, Josh discovers something surprising at a KPop Demon Hunter sing-along, we give a PSA about cars that die but really don't, a neighborhood HOA saga update, and a pink-slippers-on-a-scooter sighting that redefines road safety. Listener stories bring tumbling couches, runaway cows, and Freaknik folklore. Plus: the cryptic Song Quiz, “What the (Heck) John Say?” in Scottish, birthdays for Muffy & Winthrop, and a surprising KPop fan. It's family, community, and chaos, in Gainesville and beyond, served with humor, heart, and just enough woo to make you sing along.Super Familiar with The Wilsons Find us on instagram at instagram.com/superfamiliarwiththewilsonsand on YoutubeContact us! familiarwilsons@gmail.com A Familiar Wilsons Production

Dakarai Larriett shares about his erroneous arrest in Michigan that ultimately lead him to running for Alabama Senate in the 2026 race. With pillars of his candidacy rooted in education, 2nd amendment rights, healthcare and more, Dakarai shares his plan to win the state largely held by Republicans. Throughout the conversation, Donna & Jonathan reference a documentary called The Alabama Solution that takes us into one of the deadliest prison systems. Dakarai explains the connection of the important pieces, like education, that can help mitigate the outcomes we see today.BioDakarai Larriett, an Alabama native and the son of a U.S. Army veteran and a public school teacher, is a thriving entrepreneur and committed community volunteer. His candidacy for the U.S. Senate is driven by the injustice he faced from a false arrest in 2024. Growing up influenced by his father's military service, Dakarai moved between several states and even spent time in Germany. He excelled academically, earning a full scholarship to the University of Alabama, where his dedication to public service deepened during his junior year as an exchange student at Howard University. Dakarai has built a successful career as a corporate leader while also managing a pet-care business he launched from his garage. Over the past 20 years, he has served in leadership roles on multiple nonprofit boards, gaining a reputation for his servant leadership upon returning to Birmingham in 2021. Actively involved in various volunteer initiatives, he leads an HOA board in downtown Birmingham that represents local families and businesses, showcasing his passion for Alabama's culture and community. In his leisure time, Dakarai enjoys visiting the shooting range and regularly attends First United Methodist Church.Resources/Links:www.dakarailarriett.comhttps://www.instagram.com/dakarailarriettforsenate/https://www.facebook.com/profile.php?id=61574763727908https://www.tiktok.com/@dakarai.larriettThe Alabama Solution

Hội nghị cấp cao ASEAN 47 tại Kuala Lumpur khép lại với tiếng vang của thành viên thứ 11, nhưng ẩn sâu là cơn địa chấn của ba thách thức lịch sử. Từ khủng hoảng Myanmar đe dọa sự đoàn kết, đến cuộc chiến cân bằng giữa Hoa kỳ và Trung quốc, ASEAN đang đứng trước ngã ba lịch sử. Liệu hiệp định DEFA trị giá 2 nghìn tỷ đô la và tầm nhìn 2045 có kịp thời cứu vãn "phương cách ASEAN" khỏi nguy cơ tan rã chức năng? Ván cược lớn nhất không còn là tuyên bố, mà là hành động thực thi.

Salt Lake Dirt is covering FilmQuest this week! FilmQuest is one of my favorite film festivals out there. ---2025 FilmQuestEpisode 314Film: PEEPING TODDGuest: Chris Alan Evans, Josh Munds, Mabel ThomasIG: @peepingtoddmovieSYNOPSIS: When his peeping passions become compromised, Todd decides he'll do whatever it takes to continue stalking his beloved Claire. An obsessive HOA fleet and a dense boyfriend are obstacles Todd must dance around if he wants to sing his way into Claire's heart. As Claire gets wrapped up in the lies of her fiancé and the web of her stalker, she must escape the two most toxic relationships she's ever faced.TRAILER---On the Radio on 11/3/25KPCR 92.9FM Los GatosKMRT 101.9FM Santa CruzKVBE 91.9FM Portland, ORwww.kpcr.orgwww.saltlakedirt.com

The gap between too few officers and too many leads is widening—and that's exactly where smart tech can actually serve people, not just impress them. Erik sits down with retired Grand Prairie veteran Kevin Cox—who built an intelligence center, stood up a drone program, and now helps agencies turn noisy data into usable truth—to unpack what really moves the needle: DFR done right, LPRs with guardrails, and analytics that turn “we should follow up on everything” into “we found the right thing fast.”Kevin charts the path from early DJI airframes and battery headaches to today's drone-as-first-responder pods that launch in minutes and arrive with context. He explains why language matters—ditch “force multiplier,” speak in terms of speed, accuracy, and accountability—and how policy and audit trails preserve public trust. We go deep on data: merging messy master-name indexes, mining body-cam transcripts for the one overheard clue, tying LPR hits to CAD and RMS, and surfacing the top leads so detectives can be heroes more often. Deconfliction isn't a buzzword here; it's officer safety and case integrity, with live alerts that keep units—and neighboring agencies—from colliding.We also take on a thorny topic: the rise of privatized policing. Kevin lays out the risks of HOA-style enforcement and a two-tier system, and shares a saner alternative—use private sensors to summon public law enforcement, keep state power public, and make oversight non-negotiable. Finally, for officers eyeing a second act, Kevin offers a candid roadmap: which tech roles fit different temperaments, how to prep years ahead, and how to translate street-earned skills into product, consulting, or sales without losing your sense of service.If you care about faster outcomes, safer officers, and cases that hold up in court, this conversation is your field guide. Subscribe, share with a teammate, and leave a review telling us the one tool you think most improves time-to-truth.Join our Discord!! https://discord.gg/BdjeTEAc 

Halloween sure brings out the stupid in people and this is the place to find out how. Monkeys one the loose both virtually and literally from NJ to MS. My Insane FL Nephew, "Pancho Guero" who considers himself a "Mexican-In-Law" has news about how New Yorkers are losing their minds over a restaurant that triggers all the left-wingnuts. 67.In This Weekend Episode..."A Piece of My Mind"…'67' is Dictionary.com's 2025 Word of the YearNew York Restaurant Named ‘Whitexicans': Cue The OUTRAGEHigh School Teacher Is 'Uncomfortable' Because Many Of Her Students Are Sucking On Pacifiers During ClassA Lot of People Are Disqualified from Reality TV Shows Thanks to STD TestsSkeleton Strip Show Rattled FL Neighbors During HalloweenAI To Blame For Hoax Monkey Sightings In New Jersey“Aggressive” Lab Monkeys Escape Overturned Truck in MS and Were Shot on 'Erroneous Information'Boyfriend Hid in Ex's Shower With a Knife and Her Underwear Over His FaceAdvice is needed over Halloween issues that are being asked "Pancho" and he will address these concerns with his sage wisdom on topics like allowing a teenage girl to go trick-or-treating looking like Taylor Swift--from the Eras Tour and permitting a "Karen" mom in an HOA who wants to hand out candy on Halloween based on good or bad behavior from neighborhood kids.Become a supporter of this podcast: https://www.spreaker.com/podcast/insane-erik-lane-s-stupid-world--6486112/support.Real-time updates and story links are found on the TELEGRAM Channel at: https://t.me/InsaneErikLane  (Theme song courtesy of Randy Stonehill, ”It's A Great Big Stupid World”. Copyright ©1992 Stonehillian Music/Word Music/Twitchin' Vibes Music/ASCAP) Order your copy on the Wonderama CD from Amazon!

The HOA in a wealthy Atlanta neighborhood sent out an email that has trick-or-treaters up in arms...

I went to a Catholic all-boys high school run by the Christian Brothers, a teaching order founded by St. John the Baptist De La Salle. I will give them credit for giving me great preparation for future academic success, and even maybe this podcast. So at the foundation of Experience by Design are the Christian Brothers. But that wasn't my first brush with Catholicism. I did a fair number of the sacraments growing up and into adulthood, a process which included learning about the tenets and history of such central figures like Jesus. One of the things I recall learning about was the Sermon on the Mount and the Beatitudes. I also preferred the Beatitudes to things like the Ten Commandments. In a way the Commandments can read like the rules of a HOA of all the things you can't do. It is important to remember things like “Thou shall not kill” and not to “covet thy neighbor's wife.” But I liked the Beatitudes because they gave props to people already doing good things.A really good one is “Blessed are the peacemakers, for they will be called children of God.”Regardless of your religious or spiritual beliefs, I think we can all get behind that, especially at a time when there is so much conflict. The Armed Conflict Location and Event Data global monitor organization states, “Recent levels of violence have been unprecedentedly high, with several ‘record-breaking' months in the past year.” But this just doesn't mean armed conflict on the international stage. Things are tense all over with all kinds of conflict everyday.Which is why we have Josh Gordon as a guest on Experience by Design. I've known Josh for a long time, but primarily in the capacity of a fellow runner and training partner. Josh also is a faculty member at the University of Oregon, a leader in the area of sports mediation, and the founder of the Sports Conflict Institute. In his career, Josh has done work with FIFA, Major League Baseball, Court of Arbitration for Sport, and others. We talk about fairness and equity in sports, and why emphasizing the opportunities provided by sports are meaningful and should not be derailed. We explore how we can build inclusive cultures through sports. He takes us into his work at the collegiate level, and how setting expectations ahead of time can produce greater satisfaction and happiness with ensuing experiences. We also talk about the difference between ‘distress' and ‘eustress', and why a little bit of friction can be essential to growth. Finally we explore how we can create equitable organizational cultures, and why the perception of fairness can be more important that the presence of outcome.Sports Conflict Institute: https://sportsconflict.orgJosh Gordon: https://www.linkedin.com/in/joshuagordonSports Conflict Institute TV: https://sportsconflict.org/sci-tv/

Notas del Episodio:En este resumen del episodio del pódcast titulado "Turn Left at the Cactus", las anfitrionas Cal y Wigs realizan una entrevista tipo "Cactus Call" (llamada Telefonica) con Lynn Lazzarini. El tema principal de la conversación es la promoción del próximo evento benéfico "Dog and Pony Show" (El Show de Perros y Caballitos), programado para el sábado 1 de noviembre en el Centro Ecuestre de El Dorado Ranch.El resumen explica que el evento es gratuito, contará con comida de Rosta Joe's Barbecue, e incluirá competiciones educativas y divertidas de perros y caballos, cuyos ingresos beneficiarán al programa de esterilización SNIP y a sus programas de equitación terapéutica para personas con discapacidades y demencia.Además, las anfitrionas mencionan brevemente la candidatura de Wigs para el cargo de representante del HOA de El Dorado Ranch, así como la próxima Asamblea General Anual (AGM) en la que los residentes podrán votar.

Woman vs HOA, and its about what she hands out at Halloween See omnystudio.com/listener for privacy information.

Ticked Off Tuesday finds Jared raspy-voiced in Richmond after a blur of flights, posting up in a mall and relishing his wander-and-cookie ritual, then venting about middle seat life as a Delta Diamond and wishing for a literal sheriff badge to flash at clueless travelers. He rails against a candy shop that smelled like someone reheated lasagna instead of magic and whimsy, and a hotel check-in where two desk clerks gave him robot silence after his attempt at small talk when he'd finally removed his headphones to be human. Listener complaints include a coworker policing water bottles and microplastics like a morality cop, the nightmare of getting to LaGuardia on public transit, and a neighbor who tattles to the HOA instead of speaking directly about dogs running on a golf course. The kicker is a Chipotle decorated with fake construction tape that looked fully closed, sending a listener on an emotional roller coaster after a brutal day working with cancer patients.Support the show and get 10% off your Hero Bread order with code JTRAIN at https://www.hero.co Support the show and get 30% off your first Cornbread Hemp order. Use code JTRAIN at https://www.cornbreadhemp.com/JTRAIN

Send us a textHalloween candy mountain, party “forced fun,” and the eternal mystery of Why Every Kid Owns a 128 oz Water Bottle. In this comedy chat from Super Familiar with the Wilsons, Amanda and Josh rant about trick-or-treat overload, hosting a house full of costumed grown-ups, and building community without losing your mind (or your Kit Kats). We swap idiom-costume ideas for school (“piece of cake,” anyone?), give a tiny HOA update and play a cross-century slang game (Victorian “bumbershoot” to Gen Z “Shreking”). Plus, there's a Fesshole segment. If you like marriage banter, parenting honesty, Gainesville gossip, and delightfully unscientific life advice, this one's for you.Super Familiar with The Wilsons Find us on instagram at instagram.com/superfamiliarwiththewilsonsand on YoutubeContact us! familiarwilsons@gmail.com A Familiar Wilsons Production

Turns out that HOA's aren't as powerful as we thought they were, as one Alaska resident is finding out with a neighbor and their suggestive Halloween display. Nobody was hurt in the display and all we beg is patience and an open mind. And if you spot a thing that shouldn't be, send it in to janesays@civicmedia.us and we might use it on the show! So join us Monday through Friday at 11:51 a.m. for “This Shouldn't Be A Thing!” or search for it on Spotify, Apple or wherever you get your podcasts.  And thanks for listening!

Joey and Nancy debate what Fall weather is supposed to feel like Nancy shocked by the cost of the laundromat A dog saved a boy's life by smelling the kid's low-blood sugar level inside a building Nancy hates scary movies, plus horror movies based on real stories Hot Tea: Kenny Chesney wrote his first song for a girl that rejected him, Reba is the happiest that she's ever been, Billy Ray and Elizabeth Hurley are in loveeeeee HOA says "no outside children" on Halloween night We play Lucky 7 for $50 to Farmacy Restaurant Joey's neighbor thought that Joey's house was on fire Dolly Parton once thought her house was haunted What Makes Your Special: I'm a psychic! What We Learned! See omnystudio.com/listener for privacy information.

Joey and Nancy debate what Fall weather is supposed to feel like Nancy shocked by the cost of the laundromat A dog saved a boy's life by smelling the kid's low-blood sugar level inside a building Nancy hates scary movies, plus horror movies based on real stories Hot Tea: Kenny Chesney wrote his first song for a girl that rejected him, Reba is the happiest that she's ever been, Billy Ray and Elizabeth Hurley are in loveeeeee HOA says "no outside children" on Halloween night We play Lucky 7 for $50 to Farmacy Restaurant Joey's neighbor thought that Joey's house was on fire Dolly Parton once thought her house was haunted What Makes Your Special: I'm a psychic! What We Learned! See omnystudio.com/listener for privacy information.

Enjoy highlights from Brian & Kenzie's live broadcast at Alexander's in St. Charles from October 24 including Klash With Kenzie, Case's review of 'The Texas Chainsaw Massacre', Kenzie's HOA issue, and more! Chicago’s best morning radio show now has a podcast! Don’t forget to rate, review, and subscribe wherever you listen to podcasts and remember that the conversation always lives on the Q101 Facebook page. Brian & Kenzie are live every morning from 6a-10a on Q101. Subscribe to our channel HERE: https://www.youtube.com/@Q101 Like Q101 on Facebook HERE: https://www.facebook.com/q101chicago Follow Q101 on Twitter HERE: https://twitter.com/Q101Chicago Follow Q101 on Instagram HERE: https://www.instagram.com/q101chicago/?hl=en Follow Q101 on TikTok HERE: https://www.tiktok.com/@q101chicago?lang=enSee omnystudio.com/listener for privacy information.

Adventures of Dirk: The Cuckhold's Wife Dirk has an encounter with his neighbor's wife. By Original Aramis. Listen to the Podcast at Steamy Stories. Dirk was standing in his garage next to his bike, a cold bottle of beer in his hand, taking a break from working on it. He was looking out of the open door of his garage and across the street, watching his new neighbors as they were talking in their driveway, standing next to their two cars.  They d moved in about a month ago and Dirk hadn t had the chance to talk to either one of them, but he had a feeling from what he d seen so far that he wasn t going to like the guy very much. And he wasn t so sure about the woman, either. This guy s pussy-whipped if I ve ever seen it! Dirk said out loud to himself as he watched the woman clearly giving directions to her husband. She was very animated, and both the expression on her face and the gestures of her arms and hands told Dirk everything he needed to know about her or so he thought. She was obviously the one wearing the pants in the family, and Dirk didn t know whether to dislike the husband or pity him. Either way, Dirk was just glad he wasn t him despite what the wife looked like. The woman was a stunner, a real sexpot, no doubt about it. Blond hair, a pretty face, tall and slender, long legs that went all the way up to a fantastically rounded and firm ass, and a set of simply killer big tits that stood out proudly from her chest like a pair of twin torpedoes. She was wearing a yellow halter top and a pair of skin-tight white chino pants that sat low on her hips and showed just about everything. Dirk was impressed by her flat, firm stomach, and was that a diamond piercing he saw glinting from her navel? Dirk wondered how many hours in the gym it took to get and keep a body like that, and the thought of her in a skin-tight workout outfit made him smile. A pair of black spiked heels that must have been about 4 inches tall completed her outfit. The husband was Joe Average, about six feet tall, maybe 180 pounds soaking wet, with brunette hair kept fairly short, a regular build (if there was such a thing), and black plastic framed glasses. There was absolutely nothing remarkable about him at all, and Dirk couldn t help but wonder how he had managed to land a woman such as the one he was looking at. Dirk took another pull from his beer as he watched the conversation unfold, admiring the way her big tits moved inside her halter top. God, I d love to see those things naked! he said out loud, smiling to himself. The conversation ended with the woman giving the man a peck on the cheek, after which he got into his car and drove away. The woman waved at her husband as he drove off, then looked up and saw Dirk standing in the shadows of his garage. She smiled and waved at him, and Dirk lifted the beer up in return. Then she turned and went into the house, and Dirk went back to working on his bike. It was only about ten minutes later when he heard a female voice from the open garage doorway behind him. Nice bike! the voice said, and Dirk turned around to see who it was, still squatting down next to his bike. He was surprised to see the woman from across the street standing there smiling at him. What is it? she asked, crossing her arms beneath her mammoth tits, cocking her hips as she put one foot out to the side. Dirk stood up and faced her, pulling a shop rag out of his back pocket and wiping his hands with it as he replied. It s a Harley, 2003 Heritage Softail Classic, he replied, his guard up. The 100th Anniversary Edition, actually, best bike I ve ever owned. That explains why you ve had it for 17 years, I guess, she said, smiling at him like the cat who was about to eat the canary. Exactly, Dirk replied, sitting back on the seat of his bike. The new bikes are nice and all, but they re too complicated for me, too much electronic shit that can go wrong and fuck up your ride. This one is simple, classic, and does what I need it to do. This was my first Harley, and I have no plans on ever getting rid of it! A man with commitment, she said, her smile getting bigger. I like that! I m Kimberly, she said, stepping forward and extending her hand. Dirk reached out and took it, giving it a shake as he replied. Dirk, he said. Nice to meet you, Kimberly. Please, call me Kim, and the pleasure is all mine, I assure you! she replied. I see you re in a club, she said, smiling and looking at his vest while she looked him over. 'High-Side , is that you? she asked, pointing at his road name patch. Yeah, that s my road name, Dirk said. He had just had this same conversation with the wife of his best friend not too long ago, and the memories of that night came flooding back to him in a rush. He still couldn t get over his best friend asking him to fuck his own wife, and how it all turned out. One of these days you ll have to tell me how you got it, she said, and Dirk was relieved that he didn t have to go through the story of his road name again so soon. I ll do that, he said, getting up from his bike and going over to the small refrigerator under his work bench. Would you like a beer, Kim? he asked, bending over to open the refrigerator. When he stood up and turned around with a beer in his hand Kim was standing so close to him that he almost ran into her, and before he could react she stepped in even closer, her big tits lightly pressing against his chest. Dirk saw the look in her eyes and recognized it right away, and he immediately knew where she was headed. Later, she said softly, her voice low and husky. Right now I want some of this! she said as she reached out and placed the palm of her hand right onto Dirk s cock, rubbing it firmly up and down. Dirk felt his cock respond immediately, shifting under her hand as it began to expand. Kim glanced down for a moment and then looked back up at Dirk, smiling as she spoke again. He likes me! she said, rubbing harder. What s not to like? Dirk replied, returning her bravado right back at her. But what about your husband? I don t think he d much like what you re doing right now, nor do I think he d like what I think you re going to do next. My husband likes what I tell him to like, Kim replied, still rubbing Dirk s quickly hardening cock with the palm of her hand. So it s like that, huh? I thought so, he said, leaning back against the work bench and letting Kim continue to rub his cock which was getting bigger and harder by the moment. You thought what? she said softly, looking up at him and squeezing his hardening shaft through his jeans. That I m in charge, and that he does what I tell him to do? Something like that, yeah, Dirk replied. I got that from watching the conversation you had with him this morning out in the driveway before he went to work. It s more than you think, Dirk, she said, giving him a half-smile as she squeezed his cock again. Much more! Let me guess he s a cuckold, right? Dirk said, causing Kim to grin. Exactly! she said. But enough about him. Right now I want this big, hard cock of yours in my mouth! I want to taste you, suck on you, and drink you down when I make you cum in my mouth! she said breathlessly, stepping in close to him. She grabbed the top of his jeans with both hands and began working them open, yanking the zipper down when she got the button open and shoving her hand into them. She wrapped her fingers around his hard shaft and began pumping, reaching up with her other hand and placing it behind his neck to pull his mouth down to hers. She kissed him hard and deep, slipping her tongue into his mouth as she pumped his cock in her hand, and Dirk slid his hands around to her huge tits and grabbed them hard. He squeezed and kneaded the big mounds in his hands, and Kim moaned in his mouth. She took her hands from his cock and his neck long enough to pull her halter top open and set her tits free, and Dirk immediately grabbed onto them again as she regained her grip on his cock. I want you! she whispered, breaking off the kiss but maintaining her grip on his cock. I want to taste you! she said, dropping to her knees in front of him. She pulled his jeans open with both hands, setting his cock free; she noticed he wasn t wearing anything under them, and she paused to look at it for a moment. She moved her nose right up next to the tip and inhaled, closing her eyes and smiling as she inhaled his scent. I just love the way a real man s cock smells! she whispered, looking up at him. It smells so fucking good! she said, gripping it in her hand and pumping the shaft again. She ran her nose down the underside of his cock and over his balls, inhaling deeply, then stuck out her tongue and licked him along the underside, from his balls up to the tip. B When she got to the tip, she immediately closed her lips around the head of his cock and sucked him into her mouth, sliding her wet mouth down onto his cock until she had all of him in her mouth. Her nose pressed against his abdomen as she slid her tongue around the underside of his shaft, then she sucked hard as she slid her mouth back up his cock to the tip. She repeated this several times. And soon Dirk's cock was shiny and wet with her saliva. When she got to the head of his cock, she paused, looking up at Dirk as she sucked on it for a moment, Before releasing it. She wrapped her hand around his cock, and began slowing pumping it as she spoke; So how does it feel to have another man s wife sucking your cock, Dirk? she asked, licking the tip of his coq for emphasis. Are you okay with that? she asked, teasingly. You aren't the first married woman. I ve had sucking my dick, sweetheart. Dirk replied, looking down at her. And you won't be the first married woman I've fucked before either. I just can't. Can't help but wonder how your husband is going to take all of this if he finds out, he said. It's not a matter of if , lover, it's a matter of when, she said, giving that half-grin again. Still don't believe me? Okay, then watch this. She reached into her back pocket with her free hand and retrieved her cell phone. Pushing a button on it while still pumping Dirk s cock. She leaned over and sucked on the head as the phone rang, giving it a pop when the call went through. Hi, baby, it's me, she said, looking up at Dirk with her hand pumping his cock. You made it to work okay? Great, baby. I'm glad. Look, baby, remember how we were talking last week and I told you how I really wanted to fuck other men, specifically the biker guy across the street? The one I said I thought was so fucking hot. Remember that? You do? Good. Well, I just wanted you to know that But right now, I'm on my knees in front of him in his garage, and I'm sucking his cock. She paused as her husband said something on the other end, that Dirk couldn't hear. Sucking on the head of his cock while her husband was talking. She slipped her mouth from his cock, to reply. That's right, baby right now. I've got his big cock in my hand right now. And my god, he s hard! she said, smiling up at Dirk. Yeah, he is. Much harder than you ever get. And I think he's bigger and thicker than you are, too. So I'm gonna suck his dick a little more, and then I'm gonna let him fuck me, okay, baby? And no, there's nothing you can do about it, you know? I'm going to fuck him, and that's all there is to it. She paused again for a moment, before continuing, her hand still pumping is Cock. Great And just so you'll know, baby, as much as I'd like for him to come inside me, I think I'm gonna make him come in my mouth. Uh huh, in my mouth. And then I m going to swallow his cum. Yes, I m going to swallow his cum. And if you're being a really good boy, then maybe I'll let you come in my mouth and swallow your cum. There was another short pause as the husband said something else, and she sucked on the head of his cock again, as he spoke.. After just a few moments she continued. Okay, baby, well, I've got this big hard dick in front of my face right now, and if I don't get my pussy wrapped around it soon I'm gonna go out of my mind. So I'm gonna hang up and fuck him now, okay? she said, looking up at Dirk. Okay, baby. I'll talk to you later. Bye, she said, then pressed a button on the phone to end the call. She tossed the cell phone onto the workbench next to Dirk, then looked up at him, grinning. Believe me now? she said as he held the head of his cock right in front of her face. His precum was flowing like a river by now, and she stuck her tongue out and licked it in as she spoke. Absolutely, he said, watching her. You ve really got him wrapped around your little finger, don t you? So tight, he can hardly breathe, she replied, grinning again. And you don't think that him knowing that I fucked his wife, is going to be a problem later on? She slurped on the head of his cock some more. After all, I do live right across the street, and it's not like he's not gonna see me just about every day. She slid her mouth down his shaft once, and held it there a moment; before sliding it off and replying; It won't be a problem, because I'll tell him it won't be a problem, she replied, giving him a slightly evil smile and cocking one eyebrow at him. Now, are we gonna fuck, or not? she asked. Oh yeah, we're gonna fuck, he replied, grabbing her by the wrist and yanking her to her feet. He stepped to the side and shoved her roughly against the workbench, making her gasp as he moved in behind her. She braced herself with her hands on the wall as he bent her over the bench, her big tits pressing against the smooth surface of the workbench, then grabbed her pants with both hands at the hips and yanked downwards. The button and zipper holding them closed gave way, the button flying and the zipper popping open as he pulled them down her legs. Dirk wasn't surprised to see that she wasn't wearing any panties, he also wasn't surprised to see the wetness covering her outer lips. Her pussy was shaven as smooth. The outer lips, pink and glistening, and her musk filled the room immediately. Oh, uh, wait a minute, wait. She began as she tried to stand up straight. Uff, she cried as he shoved her back down, and then she slapped her hands back on the wall for support. Dirk pulled her pants down as hard as he could, as he slapped her hard on the ass. The sound of his hand smacking against her ass sounded like a rifle shot in the garage, and Kim cried out in surprise. Spread your legs. Dirk commanded, and when she didn't move fast enough, he smacked her on the ass again, harder. The red imprint of his hand was clearly visible; and he knew that Hubby was sure to see it later on that night. But that wasn't his problem. So he didn't care. That's the man I wanted to see. Kim said, looking back at him with a grin on her face, while she spread her legs as far apart as she could, the chino pants around her knees. Use me. Dirk. Use me like I'm your personal fuck-toy. Fuck me. Fuck me hard, you big stud. Dirk moved in close behind her, his own jeans around his knees as well, and placed a hand on her back as he grasped his throbbing, rock-hard cock with the other. He rubbed the head up and down her slit a couple times. He spread her juices over it, and made it slick, against the opening of her pussy. Then he grabbed her by the hips at the same time, impaling her on his cock. She was so wet that he slid all the way in on the first thrust, and he felt his balls bump against her clit. Oh-oh! Kim cried loudly, squeezing her eyes closed in ecstasy as Dirk shoved his cock into her pussy. She groaned as he held it there for a moment. Then began moaning as he began thrusting. He thrusted hard and fast, pumping in deep strokes.; shoving his cock in and out of her as deep as he could in each thrust. He gripped her hips tightly in his hands and used them for leverage, yanking her back against him with every forward thrust. She groaned and gasped in time with his thrust, his cock siding in and out of her pussy, over and over again. Oh, my god! yes, yes, yes! she cried in time with his thrust. Fuck me, fuck me, use me, like, the slut, that I am. It was all Kim could do to keep her balance with her hands on the wall in front of her. Dirk was fucking her so hard. He was pounding her pussy, just as she had wanted, hard and fast, and she knew it wasn't going to be long before she was coming all over his hardcore. I'm gonna cum. I'm gonna cum, she gasped, feeling her orgasm building quickly. Where the hell was this? Stud when I was single? she thought to herself as Dirk continued pounding her with his cock. So come, then. Dirk said without pausing or missing a beat. Don't talk about it, do it. And she did. As soon as Dirk uttered those words her orgasm hit, exploding inside her body, like a bomb. She cried out and gritted her teeth as the powerful orgasm rocked her body to the depths of her being. She was cumming hard; harder than she s ever cum before. And Dirk could feel her pussy fluttering and contracting around his cock as she came. He continued his thrust, pushing harder and deeper as she came. She was surprised when she had a second orgasm immediately after the first. Ung Kim cried through clenched teeth as the second orgasm shook her body, her eyes squeezed shut, a grimace on her face as the powerful waves of pleasure rocked through her. She pushed back against Dirk, meeting his thrusts as her orgasm ran its course. And when it was finally done, it left her covered with a fine sheet of sweat and gasping for breath. Dirk slowed his thrusts until he was slowly sliding in and out of her sopping-wet pussy, in long, easy strokes; and Kim dropped down onto the workbench, resting on her forearms. Her mouth was hanging open and she was panting for breath when she looked back at Dirk and spoke. Oh my god, that was incredible! she said, a big grin on her face. I've never been fucked like that before. And I came so hard! she said, looking back at him. And now you're gonna make me cum, Dirk said, looking back. Yes I am. Kim said, jumping up and spinning around to face him. Dirk let her go and felt his cock slip out of her pussy as she moved, dropping to her knees in front of him and grabbing his glistening slippery cock in one hand, and his heavy balls in the other. She pumped his cock and squeezed his balls gently, as she looked up at him and spoke again. I'm gonna make you come in my mouth, and I'm gonna swallow every drop," she whispered sexily. She slipped her mouth over the head of his cock and down his shaft, taking it all in one swift movement. She immediately began sliding her mouth up and down the length of his cock. Sliding her tongue along the underside of his cock and sucking on it hard as she moved. She kneaded and squeezed his balls with one hand while she sucked on his throbbing shaft, her soft, wet lips sliding up and down over and over again. You taste so fucking good! she said, pausing just long enough to speak. I can taste myself on your cock." Then she slipped her lips back over the head of his cock, and resumed sucking on it. Damn! She s good! Dirk thought as she continued moving up and down on his cock. She was sucking on him with a steady, even rhythm that wasn't fast and wasn't slow, but just right. She was applying a great deal of suction to his cock when she pulled her head back, never letting it slip completely out of her mouth, but keeping the head inside. Thank you, and have a nice day. them. She exclaimed breathlessly, pumping as cock-hard with her hand as she spoke. Then she clamped her mouth onto his cock again and sucked even harder, and Dirk could feel both the pre-cum being sucked out of him and his orgasm building quickly in his balls. He felt his balls contracting and his cock swelling in Kim's mouth, clear indicators that he was about to cum, and Kim felt it as well. She looked up at him as she worked him over, tugging on his balls as she worked her mouth steadily on his cock. The look in her eyes was begging him to cum. He was beginning to feel the first faint twinges of orgasm, building in his balls. She released his cock from her mouth momentarily, to speak. Give it to me, Dirk! I want to taste your cum on my tongue. Give it to me, every last drop. Cum for me! Cum in my mouth Cum down my throat. Fill my mouth and belly with your cum. She exclaimed, breathlessly as she pumped his cock, as she spoke. Then she clamped her mouth on his cock again, and sucked even harder. Dirk could feel his precum being sucked out of him and his orgasm building quickly, in his balls. He felt his balls contracting and his cock swelling in Kim s mouth. Clear indicators that he was about to cum. And Kim felt it as well. Ahm, Aing, Urf, and onto her tongue. She squealed in delight on his cock, pumping his shaft harder, as she continued sucking on his head, trying to get every drop of cum out of him. 4, 5, 6 times his cock jumped and bucked in her mouth, shooting a stream of hot cum into her hungry mouth with each pulse. She never took her eyes off of his face while he was cumming, and when the spasms in his cock finally began to subside she held her mouth still, slowing the pumping of her hand on his shaft. She slid her mouth up his shaft until only the head of his cock was in her mouth, holding it there while she milked his shaft of cum with her hand the way a farmer milks a cow. Um, she moaned, Looking up at Dirk as she sucked the last drop of cum from his dick. Then she released his cock from her hand and her mouth, her mouth lingering at the tip of his cock, before she held her face up to him, to show him the large pool of cum in her mouth. She sighed with pleasure as she lifted her tongue up and then moved it from side to side in her mouth, smiling at him as she expertly rolled the cum around on her tongue. Then she closed her mouth and swallowed, and Dirk heard her gulp as she swallowed the big load of cum he had just given her. Ah, she said, smacking her lips and grinning up at him. You taste good, Dirk, she said, leaning forward and kissing the tip of his softening cock, in front of her. And you came a lot! A lot more than my husband ever has or ever could. You had a lot to do with that, you know, Dirk replied. Yeah, I did, didn't I, she said, smiling and giggling. She got to her feet and tucked her big tits back into her halter; Then bent over to pull her chinos back up, while Dirk did the same with his jeans, and then pulling up his zipper. Kim laughed when she tried to do the same with her chinos, remembering that Dirk had literally ripped them from her hips, before he fucked her. Looks like I'm going to be holding my pants up when I walk back across the street, she said. Either that, or you go bottomless, Dirk said, smiling. Boy, wouldn't the HOA just love that. Kim said, laughing. Looks like I'll be taking Hubby's wallet from him tonight to go shopping for a new pair, huh? she said, smiling at him. Kim, why are you with him? Dirk asked, genuinely curious. He usually didn't care about why a woman was the way she was, but this one was different. This one intrigued him. I mean, if he's that big of a wimp and is so bad in the sack that you have to go out looking for stray dick, why stay with him? Kim gave him that slightly evil half-smile, as she replied; Two reasons; One, he lets me control him, and everything else about us, and that turns me on to no end. And two; Have you seen the Mercedes sitting in the driveway, she asked, nodding in the direction of her house across the street. Yeah, I noticed that, Dirk said. Sitting in the driveway was a Mercedes two-door convertible sports car, white, of course. Nice car, very nice, Dirk said. It's paid for, and so is his car. And so is the house, Kim said. He's filthy fucking rich, and I'd be absolutely crazy to walk away from that. Besides, he likes to be cuckolded and controlled. And I like doing it. So as long as I give him what he needs, he gives me what I want. No questions asked. It doesn't get any better than that. she explained. Dirk nodded his head in agreement. No, I guess not, he said, sitting sidesaddle on his bike. She took two steps over to where Dirk sat, and then bent over, putting one hand under his chin while she held her pants up with the other and giving him a brief but soft and seductive kiss. She straightened up as she continued. You're a great fuck, Dirk, she said, giving him that half-smile again, and you certainly know how to use a woman to get what you want. I hope we have the chance to do this again, and soon. You never know, Dirk said, giving her his own half-smile. She giggled at this, her big tits, bouncing in her halter. No, I guess you don't. Right now, I'm going to go call my husband with my belly full of your cum, and tell him just how hard you fucked me. and came in my mouth, and that I swallowed every last drop," she said, grinning. Then she turned and walked out of the garage and across the street, holding her pants up as she went. Dirk watched her go, admiring her ass as she walked. That is one controlling, twisted bitch, Dirk said aloud to himself as he sat on his bike. But man! Can she suck a dick! By Original Aramis for Literotica.

HOUR 1: Missouri Chicken Owners vs. HOA is getting real full 2127 Fri, 24 Oct 2025 19:00:00 +0000 V9fZKwTEg2I7hq6pWfBAzZTc6md4eTeK news The Dana & Parks Podcast news HOUR 1: Missouri Chicken Owners vs. HOA is getting real You wanted it... Now here it is! Listen to each hour of the Dana & Parks Show whenever and wherever you want! © 2025 Audacy, Inc. News False https://player.amperwavepodcasting.co

Ben, Morgan, and Andy tackle one of suburbia's most mysterious beasts — the Homeowner Association. From nitpicky rules to unexpected benefits, they unpack the good, the bad, and the ridiculous side of HOA life. Expect laughs, stories, and maybe a few homeowner confessions along the way.Show notes & Sponsor links:https://barnowl.tech/

Are you just buying a house, or are you investing in a lifestyle that matches your future? In this episode of the Real Estate Excellence Podcast, Tracy Hayes welcomes former middle school math teacher turned real estate agent, Jamie McLaughlin. Jamie shares her inspiring journey from the classroom to becoming a trusted realtor in St. Johns County, Florida. With deep roots in the community and a teacher's heart, Jamie brings patience, structure, and honesty to every transaction—serving not just clients, but building long-lasting relationships. Tracy dives into the challenges and strategies of selling in today's market—from handling CDD fees, insurance hurdles, and new construction pitfalls to emphasizing education-based buyer consultations and proper pricing for sellers. Jamie also reveals how her background as a mentor and volleyball coach influences her people-first approach. Whether it's pre-inspections, dealing with builders, or navigating complex buyer expectations, Jamie's approach is a masterclass in thoughtful, integrity-driven real estate. If you're a buyer or seller in Northeast Florida, take a cue from Jamie's playbook—partner with an agent who educates, advocates, and isn't afraid to speak the hard truths. Subscribe to the Real Estate Excellence podcast and share this episode with someone ready to make smarter real estate decisions!   Highlights: 00:00 - 13:50 Jamie's Journey From Teacher to Realtor How Hurricane Andrew led Jamie to St. Johns County Teaching math and pivoting to real estate Marketing background and first job selling Suns tickets Bringing mentorship and coaching into real estate Building relationships that last beyond the transaction 13:51 - 24:00 Understanding the Real Buyer's Needs Asking the hard questions early in buyer consults CDD, HOA, and insurance costs affecting decisions Buying with long-term goals in mind New construction vs resale: planning ahead Helping military families make smarter buys 24:01 - 30:32 Expectation Management & Teaching the Process Using teaching experience to walk buyers through steps Contingencies, loan types, and offer strategy Repair issues and listing prep surprises When deals almost fall apart Importance of communication at every stage 30:33 - 36:00 New Construction Inspectors, Superintendents & Slab Surprises Hidden issues in new builds—plumbing nightmares Advocating for pre-slab, pre-drywall, pre-close inspections Value of a Realtor during construction Blue tape walkthroughs and designated “bad guy” role Real stories of builder mistakes caught just in time 36:01 - 44:16 The Seller Side Marketing, Staging & Strategy 60/40 split: Jamie's seller focus Pricing strategies based on timeline and comps Professional photos, video, and staging impact A real-world staging success story Helping sellers invest to gain more return 44:17 – 01:20:06 Navigating a Changing Market Trending real estate questions and hot takes Dealing with slow markets and higher inventory Buyer concessions, mortgage payment focus Why every buyer should interview their agent Emotional intelligence in negotiation and transaction   Quotes: “If you don't like my style or beliefs, there's someone else out there—but I bring value in my time and what I offer.” – Jamie McLaughlin   “I want to be your friend forever—not just your Realtor.” – Jamie McLaughlin “You sometimes have to spend money to make money. That's how I built my real estate career.” – Jamie McLaughlin “I can't stress enough how important inspections are—even for new construction.” – Jamie McLaughlin   To contact Jamie McLaughlin, learn more about her business, and make her a part of your network, make sure to follow her on her Website, Instagram, Facebook, YouTube, YouTube, and LinkedIn.   Connect with Jamie McLaughlin! Website: https://www.jamiemclaughlin.org/ Instagram: https://www.instagram.com/jamiemclaughlinrealtor/ Facebook: https://www.facebook.com/jamiemclaughlinrealtor YouTube: https://www.youtube.com/@jamiemclaughlinrealtor LinkedIn: https://www.linkedin.com/in/jamie-mclaughlin-4a7a731a2/   Connect with me! Website: toprealtorjacksonville.com   Website: toprealtorstaugustine.com    SUBSCRIBE & LEAVE A 5-STAR REVIEW as we discuss real estate excellence with the best of the best.   #RealEstateExcellence #StJohnsCounty #NortheastFloridaRealEstate #JamieMcLaughlin #HomeBuyingTips #RealEstatePodcast #NewConstructionHomes #RealtorLife #RealEstateStrategy #CDDFees #HOA #MortgageTips #BuyersAgent #SellersAgent #FloridaRealtor #RealEstateEducation #HomeSelling #StagingHomes #RealEstateInspection #RealEstateMentorship

Slacker and Erica's fiancé have bonded over yet another thing: their shared hatred of HOAs. What's your HOA horror story?

Find out the latest saga in the HOA versus The City!

We recently teamed up with Consumer Reports on an eye-opening project that made us rethink how we evaluate, purchase, and engage with our homeowners insurance policy. This week's episode is about what we learned.Here's what we unpack:Why homeowners insurance is way more confusing and critical than we thoughtWhat's driving double-digit rate hikes (even if you've never filed a claim)How your dog, HOA, or even local crime rates affect your premiumsOne of the most overlooked parts of your policy that could actually save youWhy checking your mail might be the most important financial task you do this weekHow to protect yourself with umbrella policies and avoid common trapsThis one's shorter than usual, because we want you to take action: → Read your policy. → Shop around. → Check out CR's list of top-rated homeowners insurance companies based on actual customer satisfaction, claim handling, and renewal transparency Links: Why are Homeowners Insurance rates going up right now?Homeowners Insurance & Extreme Weather: What you should know Connect with Julien and Kiersten on our website, Instagram, Twitter, and YouTube.Join our email list to get updates from us, opportunities for discounts, freebies and a quick rundown on the relevant financial and career news impacting your life. Get our book Cashing Out: Win the Wealth Game by Walking Away, named 2023 best overall book about investing by Business Insider and one of the best personal finance books by ForbesIf you would like to learn more about investing, check out our newest class, Making Money Grow

Update: Mother whose son was targeted by HOA leader attends HOA meeting. Trump said to demand the Justice Department pay him $230 million for past cases. Update: DHS doubles down after posting fake AI video of Black men. Host: Sharon Reed (@SharonReedLive) Co-Host: Senator Nina Turner (@ninaturner) *** SUBSCRIBE on ⁠⁠⁠YOUTUBE⁠⁠⁠  ☞ ⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.youtube.com/IndisputableTYT⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ FOLLOW US ON: ⁠⁠⁠FACEBOOK⁠⁠⁠  ☞ ⁠⁠⁠  ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.facebook.com/IndisputableTYT⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠TWITTER⁠⁠⁠  ☞     ⁠⁠⁠  ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.twitter.com/IndisputableTYT⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠INSTAGRAM⁠⁠⁠ ☞ ⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.instagram.com/IndisputableTYT⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Learn more about your ad choices. Visit podcastchoices.com/adchoices

Send us a textWith Halloween right around the corner, in this episode of Take It To The Board, host Donna DiMaggio Berger and Dee Smith from NatureZone, a family-owned and operated pest control company, peek into the spookier corners of community association life: the creepy crawlies that make residents shiver and board members squirm. Together, they take a peek into what really moves through condos and HOAs: bed bugs that hitchhike on luggage, roof rats that turn trees into launch pads, and subterranean termites—now including a Formosan–Asian hybrid—capable of eating your equity faster than you'd ever expect. You'll learn how bed bugs actually spread in multifamily buildings, why foggers make them worse, and a simple hotel routine that uses a hairdryer and a bathtub to stop hitchhikers. Donna and Dee break down drywood termite myths, explain why subterranean baiting like Sentricon changes the game after heavy rains and floods, and map the entry points rats love most—soffit gaps where gables meet hips, open AC chases, and lush landscaping pressed against stucco. They also talk compassion and safety: handling hoarding cases without letting infestations jump through chases, relocating honeybees while decisively removing aggressive wasps, and using greener, microencapsulated products and inert dusts for residents with chemical sensitivities.If you live in a condo, townhome, or HOA, this is your resident's guide and board playbook in one. Expect field-tested tips, from shaving “boots” on cabbage palms and keeping bird feeders off structures, to recognizing termite pellets and swarmer wings before repairs get ruinous. Conversation Highlights:The ultimate Halloween pest — which creepy crawler gives even the pros chills?The most common pests found in South Florida condominiums and HOAsWhy pests spread so rapidly in multifamily buildings compared to single-family homesWhen a small issue becomes a nightmare: how one infested unit can impact an entire buildingThe most unusual or memorable pest situations from real community casesSafe and eco-friendly pest control options for residents concerned about toxicityTenting vs. spot treatment: how effective are different approaches for drywood and subterranean termites?Preventative policies boards can adopt—from hygiene to landscaping—to stop infestations before they startPlants and trees to avoid: what attracts rodents to community landscapesDee's journey into pest control and what keeps her passionate about the fieldHow modern pest control has evolved with greener, less toxic technologiesPractical advice for boards developing or updating their community pest control plans Related Links and Resources:Article: Pest Control Company finds success through focusing on client retention, not revenuePest Control Resources: Florida Department of Agriculture & Consumer ServicesPodcast: Pesky Critters in Your Community? Top Tips From Wildlife Expert and Trapper Todd Hardwick

Jed got an email notification from his HOA at the place he rents saying that he has been hit with a MAJOR fine... See omnystudio.com/listener for privacy information.

Jed got an email notification from his HOA at the place he rents saying that he has been hit with a MAJOR fine...

HOA revenge. This day in history. Suzanne Somers AI. Retaining members and subscription changes. Winner! Party Coffin. Bryan Mayor Bobby Gutierrez. Waffle House. Book Club. BBQ deodorant. Diane Keaton's will.

Attorney Luke Carlson explains how homeowners and investors can protect themselves from bad HOAs, understand their rights, and turn risk into opportunity.In this episode of RealDealChat, Jack Hoss sits down with Luke Carlson, founding attorney of LS Carlson Law and author of The Homeowner's Guide to Defending Against Bad HOAs, to uncover what every real estate investor and homeowner needs to know about HOA law.Luke shares how he became one of the nation's leading voices for homeowner rights, the psychology behind “bad boards,” and how to protect yourself when an HOA turns rogue. He also explains why most people misunderstand HOA power, and how smart investors can turn that complexity into opportunity.Here's what you'll learn in this episode:The biggest misconceptions homeowners have about HOAsHow to identify “bad board” personalities before buyingWhen and how to push back legally against an HOAThe difference between fiduciary duty and selective enforcementDue diligence steps every investor should take before buying in an HOAHow new legislation is limiting HOA fines and abuse in CaliforniaSimple ways to assess HOA financial health and riskWhy empathy and professionalism matter when dealing with conflictStories of real homeowners who fought back and wonHow AI and automation are reshaping legal research and HOA law

Norm takes a long, exasperated look at what used to be the pride of the NFL — the NFC East — and now looks more like a neighborhood HOA argument with shoulder pads. The Eagles can't stop anyone, the Commanders forgot how to command, the Giants exist (barely), and Jerry Jones is out here celebrating 83 with optimism so strong it might need to be drug-tested.But Norm doesn't stop at the gridiron. He pivots to the Mavericks, where predictions are as shaky as Kyrie's return date and everyone's pretending Klay Thompson is still Klay Thompson. Through stats, sarcasm, and a lifetime of knowing better, Norm dissects how Texas sports teams always manage to make things… interesting, if not good.Because when the Cowboys' best defensive play is Jerry's public relations, and the Mavericks' best hope is a teenager named Cooper, you just have to laugh — and then wonder, as Norm does, what on earth happened to winning. ⏱️ Chapters00:00:05 –

What happens when the HOA nightmare is being brough on the association by the city? Would you root for the HOA?

Lo is joined by real estate strategist Scott Harris, whose decades of experience and new boutique approach to brokerage reshapes how buying and selling should feel. Scott, having brokered nearly $2 billion in NYC properties and recently founding Magnetic, unpacks the biggest mistakes buyers make today, how to reframe beliefs like “I'll never own a home,” and the four-step “Magnetic Method” (Activate → Align → Amplify → Attract) he uses to help clients land properties they truly love.Scott shares the most misunderstood step in his method and digs into why so many people get stuck there. He walks through a “mission impossible” transaction from his NYC career and reveals the pivot that made it happen. The conversation also explores how to balance your dream home wishlist with what's realistic, and why sometimes a “starter home” is the smarter move. For women or people buying solo, he highlights unique negotiation, financing, and mindset hurdles and how to coach past them.You'll also learn the invisible costs most buyers forget (maintenance, taxes, inflation, HOA, renovations), and discover what gives one buyer the edge in an offer war that isn't just about money. In closing, Scott offers concrete steps listeners can take 6–12 months ahead of a purchase to set themselves up for success.Whether you feel like the market is stacked against you or you're just curious how to bring more intention into your home search, this is a guide for confident, heart-forward real estate — not just transactions.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Summary In this episode of the Be a Smarter Homeowner podcast, hosts Elizabeth Dodson and John Bodrozic share their personal experiences as first-time homeowners and provide valuable insights into the home buying process. They discuss the importance of financial readiness, the significance of choosing the right location, and the criteria for selecting a home. The conversation emphasizes the need for proper planning and preparation to navigate the complexities of buying a home, including understanding financing options and the negotiation process with real estate agents. Takeaways Home buying is a significant financial decision. Understanding your financial readiness is crucial before shopping for homes. It's important to know your loan capacity and financing options. Location plays a vital role in the home buying process. Consider the type and condition of the home when making a decision. Be aware of the costs associated with homeownership, including maintenance and HOA fees. The home buying process involves negotiations and understanding market conditions. Getting organized before contacting a real estate agent can save time. DIY projects can be a fun way to personalize your new home. Planning for future expenses, including furniture, is essential.   Sound bites "I got free advice." "I wanted something of my own." "Location is key too."   Chapters 00:00 Introduction to Home Buying Experiences 02:56 Personal Experiences of Home Buying 05:58 Understanding the Motivation Behind Home Ownership 09:05 The Importance of Financial Preparation 11:58 Navigating the Financing Process 15:01 Understanding Mortgage Payments and Budgeting 18:00 Exploring Loan Options for First-Time Buyers 21:05 The Role of Location in Home Buying 23:38 The Evolving Importance of Location 29:01 Criteria for Choosing the Right Home 36:37 Navigating the Home Buying Process 42:42 Understanding Trade-offs in Home Buying

The 7 Biggest Landlord Mistakes (That Are Costing You Money Right Now) Recording from their sickbed in Mexico after experiencing building-shaking waves from Hurricane Priscilla, Erin Spradlin and James Carlson power through to deliver critical advice: the seven biggest mistakes landlords make. They tackle everything from skipping background checks to overpricing rentals, with trademark honesty about what actually matters versus landlord paranoia.

It's time to Haul out the Halloween!Scott from Christmas Morning joins Bran, Dan, and Brian to break down the latest movie in Hallmark's wildly popular Haul Out the Holly franchise.ABOUT HAUL OUT THE HALLOWEENNew, Halloween-obsessed neighbors inspire residents of Evergreen Lane to haul out their spookiest costumes and décor to become EverSCREAM Lane.AIR DATE & NETWORK FOR HAUL OUT THE HALLOWEENOctober 11, 2024 | Hallmark ChannelCAST & CREW OF HAUL OUT THE HALLOWEENLacey Chabert as EmilyWes Brown as JaredMelissa Peterman as PamelaEllen Travolta as Mary LouiseStephen Tobolowsky as NedKimberly J. Brown as LunaBRAN'S HAUL OUT THE HALLOWEEN SYNOPSISEvergreen Lane is the most festive street in America, and nothing is more festive than a wedding! Emily and Jared are the ones tying the knot — and even better, the Johnsons are gone! The wedding is beautiful, and everything seems perfect.While Emily and Jared are on their honeymoon, a new couple moves in and decorates big for Halloween — like, really big. The rest of the crew wonders if they should contact Jared, the head of the HOA, but decide to wait until he's back. When Jared finally sees the decorations, he's so shocked he literally drops Emily.He heads over to tell the new neighbors that all their lawn decorations have to go. “This is Evergreen Lane, not Everscream Lane!” But Jared is stunned to learn from Emily's parents that the “no other holiday decorations” rule was never actually added to the bylaws.We learn that Evergreen Lane used to go all out for Halloween, but after Emily's Gram Gram passed away, her parents thought she wouldn't want it anymore. Quite the opposite — Emily insists it's time to bring the spooky fun back, because that's exactly what Gram Gram would've wanted.The committee gathers to gossip about the “weird new neighbors,” right as they walk in — Luna and Marvin. Turns out Luna really is a witch… in a play!Emily and Jared soon announce that Everscream Lane is officially a go! Events are planned, and every house has one week to come up with a Halloween display. Everyone's in — but Luna and Marvin propose one more idea: a spooky alley to raise money for the children's hospital. It's approved, as long as it's not too spooky.Jared surprises Emily by saying he doesn't want to do a couple's costume this year — and that's a little scary for her. What's scary for Jared? Emily's mom might be dating Ned! Things come to a head when Jared lashes out at Ned during the pumpkin decorating competition — even throwing Ned's pumpkin to the ground… while local TV cameras are rolling.Jared's put on leave from the HOA until he makes things right with Ned — which he does. All is well again, just in time for the Halloween cookie competition (complete with ugly Halloween sweaters). To Pamela's shock, Emily's cookies win!Emily decides to publish a children's book inspired by Evergreen Lane. Then, big news — the local news channel is coming back to cover the Lane on Halloween night! Everything is perfect.After briefly appearing as “Chaddy Kruger” — a Chad Kroeger/Freddy Krueger mashup costume — Jared realizes he's a married man now and rejoins Emily for a team costume.Everscream Lane is a huge success, and the whole gang celebrates as Jared gets the news: he's been accepted into the Norwegian Santa School! Watch the show on Youtube - www.deckthehallmark.com/youtubeInterested in advertising on the show? Email bran@deckthehallmark.com Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Digital Drama 10-14-2025 …Mike doesn't care what the HOA says, he's having his yard sale on Friday …Paul's mom was right, he's ugly and will never find love

Daniel and Adam kick off with late-start jokes and “10/10” chatter, then dive into cake economics: Zach's plan for a pricey Cake Bake Shop “Meet Santa” dinner (three courses, cocktails, photo, gift) gets the thumbs-up. Daniel recounts Big Fatty's 14-second “lost episode” and teases Adam about Big Brother spoilers, lobs love at Critical Role's new campaign, and laments not being able to dish on Strange New Worlds yet. A long catch-up follows: Adam's brutal illness (two weeks, 17 pounds lost) and the truly cursed lab quest—freezing and chilling stool samples at home—followed by Daniel's syphilis treatment saga (penicillin shortages, $1,700 quote, doxycycline workaround), an unwanted no-show fee, and the Drury Hotel refund survey cherry on top.Contact arrives with a flood of voicemails for the Celebrity Death Phone (callers insist “Giorgio Armani, 91” among others), plus a chewing-gum-behind-the-ear query and HOA confusion from abroad. Daniel explains why HOAs are ubiquitous in U.S. suburbs, including the uglier history; Adam shares how that plays out for his partner while Daniel compares fees across neighborhoods. The hosts shout out Level 13 and especially Brian for valiantly stirring Discord conversation.They spin up the Technology sting to answer Brian's LLM prompt question: Daniel shares his “checklist, revise, validate” instruction pattern and suggests asking the model to draft stricter prompts that don't blow smoke. Instead of The News Game, Adam runs a speed-round trivia burst (Back to the Future aliens, New Orleans Square, etc.). Adam closes with Switzerland highlights—Zurich chocolate, Lucerne, Grindelwald in the mist, panoramic trains, Interlaken lake cruise—plus high drama: leaving a bag with his passport on a train, scrambling for an emergency passport in Bern, then miraculously getting the bag (and Ray-Bans) back after returning home.Email: Contact@MixMinusPodcast.comVoice/SMS: 707-613-3284

Keith discusses the rising cost of the American dream, now estimated at $5 million, due to inflation and housing prices.  He highlights the affordable housing crisis, with more Americans living in RVs and homelessness up 18% since last year.  The NAR's "Best Week" report highlights the benefits of buying during this time, including lower prices and more favorable terms. Resources: IMPORTANT: GRE mobile app listeners - Switch to listening to the podcast on the  Apple Podcasts or Spotify app, as the dedicated GRE mobile app will be discontinued at the end of the month. Check out the free video course on real estate investing at getricheducation.com/course. Show Notes: GetRichEducation.com/575 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— 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, the American dream now costs $5 million learn just what that will mean for you. The beauty of 50 year mortgages, then after 11 years, I share the most depressing thing I've ever said on the show today on get rich education.   Keith Weinhold  0:26   You know, most people think they're playing it safe with their liquid money, but they're actually losing savings accounts and bonds don't keep up when true inflation eats six or 7% of your wealth. Every single year, I invest my liquidity with FFI freedom family investments in their flagship program. Why fixed 10 to 12% returns have been predictable and paid quarterly. There's real world security backed by needs based real estate like affordable housing, Senior Living and health care. Ask about the freedom flagship program when you speak to a freedom coach there, and that's just one part of their family of products, they've got workshops, webinars and seminars designed to educate you before you invest. Start with as little as 25k and finally, get your money working as hard as you do. Get started at Freedom family investments.com/gre or send a text now it's 1-937-795-8989, yep, text their freedom coach, directly. Again, 1-937-795-8989,   Corey Coates  1:39   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  1:55   Welcome to GRE from Norwich, Connecticut to Norwich, North Dakota, and across 188 nations worldwide, you're listening to get rich education. I'm Keith Weinhold. You probably know me by now, but if you're new, I am an active member of the Forbes real estate Council. You can see my work in the USA Today. And of Paramount import, I am an active real estate investor. We're talking about America's top shaved mammal on a microphone here, but suffice it to say, this mammal has at least shaved just how can this slack jawed mammal persist in this environment? Well, I don't know, but I've been doing it here for more than 11 years now. More on that later. This is episode 575, and each episode's release is a bigger deal than releasing the Epstein files. Today is no exception, although today's show release will get fewer people in trouble than the release of the Epstein files. Speaking of people in trouble. It is the middle class. It's the average American and the average Canadian too, because it now costs $5 million to fuel the American dream. But yet, at the same time, hordes of people are now going the other direction, and they're getting poorer. The affordable housing crisis that we've talked about here seems to probably still have not reached its crescendo. Or perhaps, if you know music, it's the opposite a diminuendo. Things are getting to a low point. How bad is it? Getting well priced out of a permanent home. More and more Americans are living full time on RVs, not like nice, fancy RVs either. Beaters. 486,000 Americans are now estimated to live in RVs because they are out of options. And the more soul crushing part of this is that that number has more than doubled just since 2021 I've got two minutes of astonishing audio footage of this to share with you shortly about the RV living homelessness is up 18% Since last year, that figure is sourced by HUD. HUD has the best stat set on homelessness, and that's a problem that's increasingly visible in your own city, more likely than not. And you know, I have personally gotten into more than just surface level chats casually with food servers and baristas, just these quick chats with them. And you know what they divulge to me, that they're living in their car. Yeah, I'm not probing and asking about that sort of thing, but they just share that with me, yeah, food servers and baristas that I just met. They will often tell me that they're living in their car within five minutes of chatting with them, and when they do that, by the way, it also makes me wonder if they're trying to get me to feel bad for them, and they're freely telling me that just to get a tip from me. Well, today, mobile homes are even being coveted. I mean living in a trailer park that is affordable housing. We covered that on last week's show now the real estate company Redfin and Ipsos, they conducted a survey of more than 4000 US homeowners and renters, and they asked respondents about the struggle to afford housing. And it was astounding to learn that to string together a life where they have stable housing, how people are doing all these things, they're delaying having children, they're getting rid of their pets, and some are going through the discomfort of living with an ex spouse just to have affordable housing, as far as what is now almost half a million Americans living full time on RVs and growing since they can't afford a home. NBC covered this, and it is sad. Let's listen into just how squalid the living conditions are, quickly profiling two people as this reporter goes on their tiny RVs. I mean, as you listen to this, okay, keep reminding yourself, keep telling yourself this is America today. And as you'll see, this isn't even in a high cost part of the nation that we're about to profile here again, tell yourself this is America today. Well, this NBC field reporter gets shown the insides of two different RV units by two separate owners, each living by themselves, first a man and then a woman. This is about two minutes in length    Speaker 1  6:53   for Gus Francis. This is home a 20 year old camper he bought for $5,000 parked in an RV lot in Graysville, Tennessee, just north of Chattanooga. I got all my rosaries for protection everywhere. Books, books, books. now retired, he worked for decades as a commercial diver and hoped to live closer to his widowed mother, but when he sought a more conventional home, I just can't see how people with their normal job making 15 bucks an hour can afford an apartment without multiple roommates. Meals are made in the microwave, the stove unused for fear of a gas leak. Right next door is Debbie Williams. She sold her house in Kentucky to be closer to her grandchildren, but housing prices near Chattanooga increased by almost 50% since 2020 apartments are like about 1200 a month, but then you got your utilities to pay. This is permanent, plus it include is like 550 a month includes electric water, saving over everything. It includes everything. Debbie works nights, helping adults with disabilities, and says she likes her setup, even if the exercise bike doesn't fit inside. Okay? I like my shower. It's really nice. And then my bedroom, Debbie and Gus now among the nearly half a million people in the US living in RVs full time. I sometimes thought, Man, if I could have saved more money in the past. But what it was is, I don't blame myself, either, because I raised four kids with no child support, despite the tight quarters, plenty of room to build a community that matters. Ellison Barber, NBC News, Graysville, Tennessee   Keith Weinhold  8:46   gosh, cramped and modest conditions there again. Tell yourself this is America today, and see, here's the thing. From all outward signs, these two people profile. They're not substance abusers. They're not criminals that can't get a job. These are American workers that have been productive people throughout their lives. The first guy, Gus said he worked for decades as a commercial diver, and that part of Tennessee, it's not a place in the nation where the cost of living is exorbitant, either the crux of the problem here is not just the wave of inflation that started in 2021 the essence of it is the fact that inflation has outpaced wage growth. Will you ever get to having a $5 million net worth? Because that's what it takes to live the American dream today. Now, a while back, I told you how, if you amass $5 million really that's the number, that's the threshold where you could probably stop working and just invest such that you could live off it forever. But inflation. Changes that and it keeps upping that number. Well, since then, Investopedia recently came up with this $5 million price tag that's just for living the American dream in today's dollars. Let's look at what that really means, and then we'll add up the spending categories. This is really interesting. All right, the definition of the American dream. What that means is owning a home, raising two kids, retiring comfortably, and maybe throwing in an annual vacation or two. So a nice life, for sure, but nothing extravagant and okay, yes, there is this other angle of like, Money cannot buy the best things in life, and that's true. There's a lot to be said for that, but this is not a relationships in a dating show, okay? So that's why I'm covering the financial angle here, and later today, I'll tell you how much the typical American makes throughout their lifetime, which is much less than 5 million bucks. But to get to that exact $5 million total, which is the least that you now need in net worth, the estimated lifetime costs of eight milestones most often associated with a dream were added up by Investopedia. And now, of course, everyone's dream is different, and housing costs differ nationally. But, I mean, this is pretty reasonable. Here they are. This is how much it takes for each of them today. And I'm doing some rounding retirement, over $1.6 million that's what it takes now. Healthcare, 414k this is all spent over the course of your lifetime, a wedding 38k And I hope that is wedding singular, not weddings plural, owning a home, 957k raising two children and paying for college that costs. 876k and then owning a new car, that is another 900k Yeah, that sounds like a lot, but that will include costs of financing and insurance and depreciation on cars throughout your life, and then a yearly vacation is 180k throughout your life, and pets, 39k All Right. There it is. That is the $5 million total for the American dream. And again, that is only in today's dollars. Inflation will, of course, make all of these future costs run up. All right, housing is really the biggest part of the dream. I mean, second to retirement anyway, all right. Again, the lifetime cost of housing, like I said, is 957k just a year ago, it was 930k okay, well, the national median list price of a single family home is about 430k I guess that makes sense. Most people live in multiple homes throughout their lives. Well, the price per square foot is up 50% just since 2019 that is what is pricing people out. That is what is making people become your renter instead of a homeowner. Well, this $5 million required for the dream, that is why more people are homeless or more people are living in RVs. This means that the demand for the product that you're providing to the marketplace affordable housing, that demand is considerable, and that demand is durable, and the median lifetime earnings for one American with a bachelor's degree is only $2.8 million. All right, so that's just over half as much as it takes to live the dream. But here's what's appalling. Are you ready? Here we go. This could be the most depressing and concerning stat you've heard on this show, maybe one of the most depressing and concerning in your entire life when you really think this through. All right, now, what do you think of as sort of a model for someone that is stable? How about both married and a homeowner? I mean, yeah, they're two big markers, married and home ownership that is foundational stuff when your kids grow up to be adults, if they become married in a homeowner. I mean, come on, who would be disappointed with that? That would probably make you feel proud and fulfilled. I mean, the future of the nation that is children and stable household formation material, right there. Well, by age 30, how many people do you think are married in a homeowner today, and how has that changed over time? What do you think this is the percent of 30 year olds who are both married and homeowners in the US? Right back in 1950 it was 52%.  today Okay, it is just a quarter of that. Only 13% of American 30 year olds are married homeowners today. Gosh, is that appalling? Or what? I mean, it doesn't exactly give you hope for the future, since Owning a home is a key pillar of the American dream, then the best thing that our local, state and federal lawmakers can do is to make it easier to build new housing. That is one of the most depressing stats I gave in 11 years of doing the show, probably the most depressing another thing we can do is not protest or block new development, no nimbyism.    Keith Weinhold  15:45   Now, earlier this year, the White House announced that they are considering declaring a national housing emergency. In fact, you saw me put a link to that in the section of our newsletter that we call the five, though we haven't seen a national housing emergency declared yet. If we do it all, the motivation behind it is largely to make housing affordable. One piece that's been floated out there is the introduction of a 50 year mortgage so that way mortgage payments are spread out and made lower than they are with the most popular mortgage in America today, by far, the 30 year fixed rate mortgage. Now, I wouldn't say that a 50 year mortgage is eminent and is about to happen. We can't say that, but it could be creeping closer. I mean, a 40 year mortgage that is already more of a thing. You've got 40 year HUD loans and 40 year DSCR loans both already here for residential property. We do know that buyers buy property more so based on a payment than they do the overall price of the property. Now look, I'll tell you if I could somehow magically snap my fingers and convert all of my 30 year mortgage loans over to 50 year loans. Oh, I sure would. It would lower my payment and increase my cash flow. Yes, my debt would hang around longer and well, we're right back to, you guessed it, financially free beats debt free. Let's run that comparison on a 300k loan at 6% interest, a 30 year mortgage payment, that is 1800 bucks a month, but on a 50 year loan that would be just 1580 Yeah, $1,800 versus 1580 1580 Well, that is going to boost your cash flow by $220 a month on that property, just by going from a 30 year to a 50 Year at the same interest rate. So maybe not as much of a difference as you thought, but probably worth doing, at least in the mortgage world debt free. I mean that concept of debt free that makes most people, in exchange for that debt free condition, grind and toil and work overtime and lose family time and eat dirt for decades because inflation and all these other forces work against them. And yes, this is just with mortgage debt that I'm talking about here. Of course, some debt is bad, like unsecured, high interest rate credit cards or doing a buy now, pay later, plan on a pizza that you split into four payments. That's ridiculous. And those are the type of debts you've also got to pay yourself. That's not what we're talking about here. In fact, it gets even worse for the mortgage debt free person. That extra $220 you're paying by having a 30 year loan instead of a 50 year loan, that would mean you're accumulating more dollars in home, which are illiquid. And again, 50 year loans don't exist yet, but understanding this concept and this trade off helps you be a better investor. Look, a debt free person can still be broke in the short term if they have a meager income, and they can be broke in the long term if they are not leveraging assets and debt. Being debt free, that is like bragging that you quit the gym so that you'll never pull a muscle again. I mean, you're safe for now, but you're going to be weaker in the long run. Let's use a different example. Let's just run a different set of numbers. Let's say you've got a 400k mortgage at three and a half percent interest, though your monthly payment is 1796 on a 30 year fixed. Some people think, Oh, if I just throw an extra $1,000 a month at this, I'm going to be debt free years sooner. And the truth is, yes, you will save 90k in interest, and you are. Going to own the house outright earlier. But what's the opportunity cost if that same 1k a month went into investments earning even 7% annually, after 15 years, it grows to about 311k   Keith Weinhold  20:16   Well, that is more than three times the interest savings, which again, was only 90k so for some paying off the mortgage early feels like some sort of emotional win, but it is rarely the best financial win. I mean, that is like benching LeBron to save money on Gatorade. I mean, that is a bunch of nonsense. So debt free is the floor. Financially Free is the ceiling. I mean, do you know about those popular call in shows where people are advised to lower their standards, diminish their quality of life, not go on vacations in order to get debt free? Oh, dear. I mean, those shows have got to be screening their callers closely to ensure that no one savvy actually gets on the air. Somebody, hey, how about you? Why don't you get on the air? Get on that show. Ask them some tough questions about getting mortgage debt free. You tell them yeah. Tell them that your ROI on all that equity is zero because home values change regardless of equity positions. Tell them that a home is never paid off because you'll still owe property tax and maintenance and repairs and utilities and maybe insurance and an HOA. Tell them you lost the gift of inflation eating your debt while you sleep. Tell them mortgage interest is often tax deductible. Tell them that their leverage is gone, and all these facts, every one of those I just stated, they're now figuratively not just talking. They're yelling. They're screaming now, because markets of all types are at all time highs. So instead, if you had used those funds to pay off a property, they would have really missed out on earning big returns for years elsewhere, a steep opportunity cost. Suffice it to say, I would love to see the widespread adoption of 50 year mortgages, and I would use them. The other thing that would happen is that it would make home prices rise further, because more people can afford the lower payments to bid up the price. So actually, here's something that I'm wondering about with you. Did you ever have a paid off property, and then realize all of this, and then go and get new financing on it again. Have you ever done that? If you have that would be really interesting. Let us know if you've had a property in a paid off position, realized the vulnerability and the opportunity cost of having all that illiquid equity, and then you went and put debt back on it. Let us know at get rich education.com/contact. That's get rich education.com/contact. Like Ridge lending group knows this when I have chili ridge here, like she and I discussed, you even get the cash chunk out tax free. And here's what else is interesting about this. Just say you know how out in the world of real estate agents, where people are buying and selling property, well, whenever a buyer's agent knows that that listed property is owned by a seller that still has a mortgage on it, well the assumption is that the seller, well, they might be a little more motivated to sell since they have to make mortgage payments on that property that they might not even be occupying anymore. Well, that is backwards. In most cases, you should be more motivated to want to sell a property if it's paid off because you've got all that dead equity in it that needs to be released through that sale. So really, a listing agent should be thinking, this seller has got to sell this property with urgency, if for no other reason, because he or she has lots of equity in that property. That's how to think about it. The world has it 100% backwards. That mindset is 180 degrees from the truth coming up next.    Keith Weinhold  24:25   Did you know that this week? Yes, right here in mid October every year is historically the best week of the year to buy a home. Also, what's it like behind the scenes here on the microphone? I've got that and more straight ahead. I'm Keith Weinhold. You're listening to get rich education,    Keith Weinhold  24:44   if you're scrolling for quality real estate and finance info today, yeah, it can be a mess. You hit paywalls, pop ups, push alerts, Cookie banners. It's like the internet is playing defense against you. Not so fun. That's why it matters to get clean. Mean free content that actually adds no hype value to your life. This is the golden age of quality email newsletters, and I write every word of ours myself. It's got a dash of humor, it's direct, and it gets to the point because even the word abbreviation is too long, my letter takes less than three minutes to read, and it leaves you feeling sharp and in the know about real estate investing, this is paradigm shifting material, and when you start the letter, you'll also get my one hour fast real estate video, course, completely free as well. It's called the Don't quit your Daydream letter. It wires your mind for wealth, and it couldn't be simpler to get visit gre letter.com while it's fresh in your head, take a moment to do it now at gre letter.com Visit gre letter.com    Keith Weinhold  25:55   the same place where I get my own mortgage loans is where you can get yours Ridge lending group NMLS, 42056, they provided our listeners with more loans than anyone because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage. Start your pre qual and even chat with President Caeli Ridge personally, while it's on your mind, start at Ridge lending group.com. That's Ridge lending group.com. Hi.   Russell Gray  26:29   This is Russell Gray, co host of the real estate guys radio show, and you're listening to get rich education with Keith Weinhold. Don't quit your Daydream.   Keith Weinhold  26:36   welcome back to get rich Education. I'm your host. Keith Weinhold, there's a lot to look forward to in future months here on the show, new content from me, new prominent guests, the return of some favorite guests, a live event to tell you about and our annual home price forecast show, where I'll also reveal if last year's GRE home price prediction for this year came true or not. I have got to say I have nailed it to the exact percent a few years in a row now. But if you remember, before this year began, I forecast 5% national home price appreciation for this year. We will see how that turns out, but home prices are only up one or 2% year over year so far. Yes, not only do I make the forecast, I actually follow up with the previous years to check the accuracy. Don't you wish everyone did that? Well, it is October, and it's the month where you got to be ready to defend your love of candy corn and the same Americans complaining about inflation also bought a 40 foot skeleton for the front yard. Well, the best time to buy a home, historically, is this week this year. It happens to fall on October, 12 to 18th, as it turns out. Why would that be? It sounds kind of random, doesn't it? Well, the NAR recently reported on this, and this is what they give, a three word moniker, aptly named the best week. That's what they call it, the best week. Now, this applies more to primary residences into one to four unit investment property, but it's a little applicable to apartment buildings too, and this really helps you understand real estate buying, selling and consumer nature. Historically, this week offers the most favorable balance of market conditions for buyers. This is when inventory tends to be elevated. Prices typically dip below their seasonal peak. The buyer competition slows, and just the overall pace of the market becomes more manageable. Again, quote, unquote, the best week this seasonal shift every year, it's influenced by school schedules and even weather patterns. Housing activity typically ramps up in the spring. It peaks in the summer because a lot of families try to move while children are out of school and the desire to settle before the new academic year that's back when you've got the warmer weather and the longer daylight hours, and you got these curb appeal enhancements from Lush summer foliage that also makes spring and summer an ideal time for showings in inspections, that adds further momentum to the summer surge. These sort of things actually matter. But then the calendar shifts into fall, and demand naturally tapers off. Every year you got families with school age children that exit the market, and then the remaining inventory begins to linger longer, and prices respond by dipping below peak levels. And homes tend to stay on the market longer. This happens every year. That makes for conditions that benefit late season buyers. So listings tend to become more plentiful now each October inventory levels, they tend to peak in early fall, and that's why it's about the best time to buy. You have less competition from other buyers, home buyer shopping during again, what is called the best week, you should expect less competition. Properties tend to attract the most viewership per listing early in the spring, and that's when buyers trickle into the market before the inventory picks up. And then the summer ushers in both more homes and more shoppers, and that means that buyers face quite a bit of competition in the summer, so the best week that should offer more time for buyers to deliberate, and it can mean that sellers are more eager to compromise. And the numbers back that up historically that this is the peak week for price reductions. So what can you do if you're potentially in the market? You might want to hit up gre investmentcoach.com and have our coaches connect you with the right income property if that's the right move for you, and doing that is totally free. In fact, most listeners buy their first income property that way. In fact, if you had a good experience with a GRE investment coach, go ahead and tell a friend about it. Now, let's say that you had $1 back in the year 1995 so you've got a green dollar bill in your pocket 30 years ago. All right. Well, what would happen to your dollar if you saved it versus putting it in stocks versus putting it in real estate? What do you think would happen in each of those three scenarios? Let's do it. Let's compare well, because of inflation, your dollar would be worth less than 50 cents if you had saved it, yeah, it would have just 47 cents worth of purchasing power today. Instead, if you had put it in the s, p5, 100, your dollar would have seen some pretty significant growth. It would be worth $19 today. That's how stocks have performed over the past 30 years. But what about real estate? Well, there are so many ways to do it specifically. What if it were a rental property where real estate pays five ways, not just one or two like stock. What kind of return can you expect from real estate? Well, when you add up all five ways, just using historic norms like classic rates of appreciation and a four to one leverage ratio, you get 38% as a total rate of return in year one. And then that rate starts to fall because equity accumulates. And if you're not initiated on that, and it sounds like such a high flying number, you can see my free video course that teaches you this at get rich education.com/course, the most valuable free course you've ever taken in your life. At get rich education.com/course, let's just get conservative and say so many things go wrong with your property that we're going to round that 38% all the way down to 20% per year. Yes, if you're new here, those sound like ridiculous rates of return. Anyone that's listened here for a while instead has been enjoying those rates of return if you bought right? I mean, you have so much more time and money in your life now, but at 20% ROI, your $1 from 1995 would be worth $237 today. Wow, and again, if it were saved under a mattress, it would be worth less than 50 cents, and in the sp5 100, just 19 bucks. This is a simplified way to demonstrate that compound leverage beats compound interest. I mean real estate beats stocks by more than 12x right there and see that's the type of multiplier that you're probably going to need on your money. Since it already takes $5 million to live the American dream, you might very well need $25 million over the next few decades, while the 401 K was created around 1980 the Roth IRA created in 1998 and the GRE podcast was created on October 10, 2014, and I trust that it's had a more positive impact on your life than any of those other vehicles.   Keith Weinhold  34:56   This means that I've released weekly episodes here for. 11 years, never missing a week at all, 52 weeks a year, and we've never replayed an old show either. I am here for you. Integrity means doing what you say you're going to do. Vedran, our sound engineer, has been here with GRE for 11 years as well. That is the team, the duo, that's been bringing you this show. And also, I didn't even tell my team here at GRE this yet, so I guess they'll learn now, the platform business rate just ranked us and awarded get rich education the best of the year, 2025 as a real estate school. Yes, we learned that this award is based on outstanding reviews from real customers, not nominations or votes, but the best of the year award comes from feedback through listeners just like you. Thank you for that, and thanks business rate this show and real estate investing, they are the main things that I do, and I expect to be here for you well into the future. Now, it's sort of funny here, kind of a paradox on the show I talk about income production that's largely passive, yet producing this show at a high level for 11 years here on this side of the microphone is not passive. It is highly active. I got a reminder of this recently when a doctor buddy of mine said he considers starting a podcast on the side. Let me tell you what I shared with him that is probably a terrible idea to launch an ongoing podcast where you'll constantly carve out the time to produce high quality week after week. That is not a side gig. 99% of those scenarios fail. You've got to deliver great new content yourself. You've got to have a network of guests to compliment you. You got to perform research and then cross check your research, because you've got to publish real, true information. You need a reliable editing solution. You need some organizational skills. You're going to need to hire some skilled and specialized assistance in the real estate world. You've actually got to get out into the field and visit cities in person to corroborate your research on the ground and go to in person conferences. I mean, there's a lot to do, but I did tell my doctor friend, you know, the good news is that there are alternatives to starting a show. There are a couple of them. In fact, first, you can do a 10 episode mini series on your area of expertise, host it on YouTube or Spotify and then send that link to clients. Another thing you can do is get yourself booked as a guest on someone else's show, and you'll pay a podcast booking agent to do that one strong guest episode that could do more than 100 of your own episodes ever could. So that's my guidance. In case you know any thought leaders that considered doing that, and what things look like from my view back behind the mic, it is not passive income, although my investing mostly is and another thing, if I've hosted a past guest on the show, and I get feedback from you or other listeners that they're not looking out for your best interest, or they don't want to do the property rehabs that they promised. Well, they are not coming back onto the show. Instead, we move on. I am here to do good and connect you only with providers that are doing good. Another show related announcement, and if you listen here each week through the get rich education mobile app. This is really important if you're listening to me right now on our dedicated mobile app, the hosting platform terminates at the end of this month, so you're going to have to listen in a different way. Go to either the apple podcasts app or the Spotify app and search get rich education to keep listening that way, you'll keep learning, stay motivated and never miss an episode of my incomprehensibly slack jawed vocals, profligate and unrepentant. Again, if you're listening to me right now on our dedicated GRE mobile app, the hosting platform terminates at the end of this month, you'll have to listen in a different way. Go to either the apple podcasts app or the Spotify app and search. Get rich education inside those apps in order to keep listening after this month, until next week, I'm your host. Keith Weinhold, don't quit your daydream   Speaker 2  39:41   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 and. Will see exclusively.   Keith Weinhold  40:09   The preceding program was brought to you by your home for wealth. Building, get richeducation.com.  

Kent Kaiser on stopping St. Paul from becoming an HOA plus Travis Ekbom and Mary Amlaw talk MNUSA250

This week, the gals pay their dues while discussing a darker side of homeownership. Topics include illegal pansies, powered home envy, and one very contentious bus stop. Crack open a fresh can of Coke Zero, burn your civility pledge, and tune in for HOA Crimes. For a full list of show sponsors, visit https://wineandcrimepodcast.com/sponsors. To advertise on Wine & Crime, please email ad-sales@libsyn.com or go to advertising.libsyn.com/winecrime.  

The condo market has flipped firmly in buyers' favor. With 72% more sellers than buyers nationwide and rising HOA and insurance costs pushing owners to list, buyers finally have leverage to negotiate. But while prices have softened and competition has vanished, new regulations and long-term risks mean not every deal is a bargain. This episode breaks down where the market's weakest, why Florida and Texas lead the pack, and how buyers can make the most of this rare advantage. Learn more about your ad choices. Visit megaphone.fm/adchoices

Trump demands Illinois Governor and Chicago Mayor Be Jailed as National Guard troops to Deploy in Chicago. HOA head labeled a Black 5-year-old- a ‘public nuisance,' for playing in a tree. Trump is considering pardoning Diddy. Host: Dr. Rashad Richey (@IndisputableTYT) *** SUBSCRIBE on ⁠⁠⁠YOUTUBE⁠⁠⁠  ☞ ⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.youtube.com/IndisputableTYT⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ FOLLOW US ON: ⁠⁠⁠FACEBOOK⁠⁠⁠  ☞ ⁠⁠⁠  ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.facebook.com/IndisputableTYT⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠TWITTER⁠⁠⁠  ☞     ⁠⁠⁠  ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.twitter.com/IndisputableTYT⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠INSTAGRAM⁠⁠⁠ ☞ ⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.instagram.com/IndisputableTYT⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Learn more about your ad choices. Visit podcastchoices.com/adchoices

Are You Missing Out on Real Estate's Best-Kept Secrets? Imagine investing in properties where: Tenants fix their own roofs You can boost income with a few tech upgrades Most investors are too scared to even look This episode reveals two underground real estate niches that could change your wealth strategy forever: Mobile Home Parks and Parking Lots Special Guest: Kevin Bupp, an investor with over $1 BILLION in real estate transactions under his belt shares how everyday investors are building wealth in places others overlook. Grab your FREE real estate investment white papers and unlock hidden wealth strategies at InvestwithSunrise.com  Resources: Text FAMILY to 66866 Call 844-877-0888 Visit FreedomFamilyInvestments.com/GRE Show Notes: GetRichEducation.com/574 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  You get paid first: Text FAMILY to 66866 Will you please leave a review for the show? I'd be grateful. Search “how to leave an Apple Podcasts review”  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— text ‘GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Keith Weinhold  0:00    Welcome to GRE. I'm your host. Keith Weinhold, talking about first mobile home park investing and then investing in parking lot assets. What makes them profitable? What gets investors excited about mobile home parks and parking lots? What are the risks and what's the future of both of these real estate asset classes? All with a terrific guest today on get rich education.   Keith Weinhold  0:28   You know, most people think they're playing it safe with their liquid money, but they're actually losing savings accounts and bonds don't keep up when true inflation eats six or 7% of your wealth. Every single year, I invest my liquidity with FFI freedom family investments in their flagship program. Why fixed 10 to 12% returns have been predictable and paid quarterly. There's real world security backed by needs based real estate like affordable housing, Senior Living and health care. Ask about the freedom flagship program when you speak to a freedom coach there, and that's just one part of their family of products, they've got workshops, webinars and seminars designed to educate you before you invest. Start with as little as 25k and finally, get your money working as hard as you do. Get started at Freedom family investments.com/gre or send a text now it's 1-937-795-8989, yep, text their freedom. Coach, directly. Again, 1-937-795-8989,   Corey Coates  1:40   you're listening to the show that has created more financial freedom than nearly any show in the world.This is get rich education.   Keith Weinhold  1:56   Welcome to GRE from Burlington, Vermont to Burlington, Washington and across 188 nations worldwide. I'm Keith Weinhold, and you are inside get rich education. We are all firmly in the fall season. Now, autumn, if you prefer. And as we often do, we're discussing residential real estate investing today, but it's two different and distinct niches within that, and I guess they both have to do with wheels, as it turns out, mobile home parks in the first part of the show and then parking assets later today. I think there's a compelling future use case for at least one of those two to speak to our international audience for a moment, but this will actually help clarify things for you. If you're a North American too, though it's called a mobile home, well, it doesn't really have that much to do with wheels. There might not be any wheels on it. And if a resident lives inside one of these for, say, a decade, well then it's probably going to remain attached to that same location on the ground all 10 years. That's why a mobile home is often referred to now as a manufactured home. What it is is it's a factory built residence, constructed on a permanent chassis and then transported to a site. I mean, that's what we're talking about here, and they are a less expensive alternative to traditional homes that have, say, a cast in place, concrete foundation. So therefore, understand, mobile homes are affordable housing, highly affordable housing, and that's really important in this housing affordability crisis. And I've talked quite a bit about that on the show, and the meager national supply of that all types of affordable housing, they are recession resilient. I mean, that's just one reason why we love affordable housing types here at GRE where we're often buying rental property just below an area's median price. You know, people think of mobile home parks MHPS, that they're all crime ridden and that there are slumlords. But that is not true in every case. There are actually nice ones. If you're an MHP investor, you often only own the land beneath the structure, and not the mobile home itself. The resident owns the mobile home itself. So therefore, if there's a leaky roof or a window needs replacement, or flooring needs replacement, that is on the resident to fix, not you. MHP dwellers, they often don't have to pay property tax, though, because, like I said, they don't own the land. The landlord, or the community, therefore, is the one that has to pay the property tax. So there's some thoughts on mobile home parks for you, parking asset, real estate that's still settling into its post pandemic pattern with Return to Office mandates that aren't really fully matured yet. We're still settling in and seeing how that is going to look. And then when it comes to parking lots, you got to wonder about its future. When you consider the proliferation of autonomous cars, will that make parking lots obsolete? I'll have our guest address that longtime GRE listeners, you might remember episode 13 of this show, yeah, almost 11 years ago, that episode was about how autonomous cars will affect your future and your real estate and the very need for parking lots and a lot of what I discussed there in early 2015 that is beginning to come true, but this autonomous car adoption that is way slower than a lot of people thought. I mean, most Americans, they still have not been inside an autonomous car at all. A lot of people are still saying that they don't trust that that should change soon. But as for now, I'm just guessing that fewer than one in 10 Americans have been inside an autonomous car, probably quite a bit less than that. Today's terrific guest has over $1 billion in real estate transactions under his belt. This should be interesting. He is a specific investor in both mobile home parks and parking assets.   Keith Weinhold  6:26   Today's guest is a seasoned real estate investor entrepreneur, and he's a prominent voice in the space, because he hosts the real estate investing for cash flow show. He's built a strong reputation as an expert in two niches that have less competition than some other investments, and we'll discuss those two today. They are mobile home parks and also parking asset investments too often overlooked yet pretty profitable niches, and he and I have a lot in common. I'm on the Forbes real estate Council. He is on the Forbes Technology Council. He and I are both native Pennsylvanians. It's been quite a few years. Hey, welcome back to GRE it's Kevin Bupp.    Kevin Bupp  7:06   Hey, Keith, thanks for having me back. And yeah, excited to be here, my friend, and excited to finally get caught up. When you referenced that, it was nearly eight years since we last spoke. I was taken back a little bit because A lot's happened in past eight years.    Keith Weinhold  7:21   I know that's wild with where things are at. People didn't even know the meaning of the word pandemic when you were last here on the show, Kevin, let's talk about really the case for mobile home parks. I know they can be a strong, cash flowing asset once people are really dialed into them. I think what's interesting is, since you were last here on the show, really, from the pandemic on, it's been a well documented national story where lay people just know about how the supply of housing just is not adequate in order to meet demand, and what that usually means, just talking about the single family space is, of course, they're building, but they're not building fast enough to keep up with population growth and housing demand. But what's so compelling about mobile home parks is, I mean, they're barely even building them anymore, like they are contracting in supply in a lot of areas. So tell us more about the compelling case for mobile home parks.    Kevin Bupp  8:16   Yeah, well, you had a big one. You know? It's an asset class that has a diminishing supply, right? We can get into the reasons behind that. But, you know, just from a high level perspective, one of the other factors as it relates to, you know, available homes, available housing for the growing population, is that while they are building stick boat homes, they're not fulfilling the needs of those that actually need affordable housing. So there's not a lot of the average working household can't necessarily afford the starter home any longer, and so mobile home parks are unique. I truly feel they're the best vehicle to help us fill this void of housing, affordable housing that is really needed throughout the entirety of the country. I mean, there's very few markets in this country that are still affordable. There's some places you can still go buy. You can probably go to Flint, Michigan, buy a home for 50 or $60,000 but generally speaking, I think the median home price today, I think it's crested over 400,000 I don't have the exact number, but I do believe over $400,000 and the average starter family, or even folks that are, you know, just working two jobs, making 40, $50,000 a year, they can't afford to purchase that type of home, a $400,000 home. And so again, these mobile homes you had mentioned, they're not building mobile home parks any longer. However, they're still building new mobile homes, and it's kind of interesting what's evolved over the past 10 years. The quality of the product is it's like a night and day difference of what it looked like 1015, years ago, of the homes themselves to what they look like today, and what you get for your money. You know, the average single wide that we might be putting into a community, brand new home, 13, 1400 square feet. Someone could come in and for roughly $80.70 $80 a foot, can buy a brand new home that's never been lived in before, that's unheard of, that's absolutely unheard of when you compare it to the average or the median home price across the US today. So it really is kind of the last frontier, and it's typically any market that we're in, if you take the same comparable quality of an apartment complex in the same, you know, area of town, the same school districts, we're typically about 20% less all in cost to actually own your own home, versus that of even renting the comparable size apartment. So it's a very compelling reason for folks that are looking for an affordable place, but not just affordable, but clean, safe and quiet. I mean, like we run very respectable communities, they're in the really good school districts. They're places that folks are proud to live and raise their families, then,    Keith Weinhold  10:22   yeah, that's true. This would really help meet that affordability challenge, another problem that's been so well documented. Talk to us more about what makes mobile home park investing different from investing in single family rentals or even a fourplex or a 20 unit apartment building.    Kevin Bupp  10:40   A lot of the fundamentals are similar, and I would say that it's probably more comparable to that of an apartment complex to a certain degree. Just think of it as a horizontal apartment complex, where units aren't stacked on top one another. They're just layout horizontally more wider than they are tall. But the bigger difference is in most instances, we don't actually own the homes, so the residents own the mobile homes, whereas we as community owners own the infrastructure, we own the land. We own the roads, when the sewer lines, the water lines, the common areas, if it has a clubhouse, if it has amenities, so we maintain and we own all that collective area where the folks basically come and they bring their home, they fix it to the ground, and then ultimately pay a slot rent to have their home there on that premise. And so for us, it's very attractive in that the resident that's in their home, if they have a Roofing Leak, they have a plumbing leak, they have their HVAC system go out. They're not calling us like they enter an apartment complex. It's on them, yeah. So they're homeowners. And a couple other really attractive elements of that that come as a result of having residents that live there, not just renters, is that they're very sticky. And so just like in a standard single family subdivision, where you've got folks that might have lived there for generations, you just reference that your parents literally live in the same house, and so they've lived there a very long time. It is quite common to find residents and even multi generations of the same family that live in our communities. And a couple come to mind. We just celebrated a woman's 50th year of living one of our communities in brendalin. And so you've got sticky resident base. There's not a lot of turnover. And then the last big piece of it that is really attractive us is a homeowner mentality is very different than a rental mentality as far as upkeep. And so you got folks that they plant flowers, they ensure that their units have curb appeal, right? They put flags out, they put decorations out during the holidays. It's a lot more warmth than that of what you might find in a traditional rental apartment complex.    Keith Weinhold  12:26   So what all does the tenant pay for? You mentioned that they pay for the lot rent. What other expenses do they have? How does that look for them?    Kevin Bupp  12:36   Typically, you know, utilities. So they'll have their own individual meter. They'll pay, you know, direct to the utility company, utility provider, water and sewer as well. They'll pay for their water and sewer usage. And that can come in many different forms. Sometimes, where our communities have public utilities, where it's built directly by the utility provider, sometimes it's more of a private system, where we're actually acting and participating as utility provider and building them back for their usage. Really the standard things that you might pay for if you live in a single family home. I think so the areas where it might differ. And honestly, this is really community by community for us, some of our communities, literally, the residents, they pay for the utility use, but outside of that, literally, we mow the grass, we shovel their driveway, we shovel their walkways, we handle all those type of elements, whereas some other communities, the residents we might require that they actually maintain their own grass so they their own grass, so they have to mow it, or hire a a third party vendor to come in and mow it. They might have to actually shovel their own driveway. And a lot of how we run a community really is depend on how it used to be run when we took it over. You know, if it's not broke, we don't fix it. And so a lot of times we don't like shaking things up too much. If they're used to a certain way, we just keep it status quo and continue rolling on of how the prior ownership used to manage it really similar elements of what a folks, an individual living in a single family home, might pay for so very similar.    Keith Weinhold  13:48   Okay, so they pay you the rent for the lot. This puts nearly all the maintenance and repair burden on them. So is there any sort of HOA like body here?    Kevin Bupp  13:58   Not in our community. You do find some communities, and most of these that have an HOA are typically a community that's gone through more of a co op type arrangement to where the actual individuals only like fractionalized share of the community, the residents that live there, and so then they have a the oversight from an HOA that's managing the daily operations, managing the financing, managing the budget, things like that. But in our communities, no, there is not an HOA, I'd say the one other thing that's typically included in lot rent is they don't have property taxes, right? So we own the land, and so the individuals that live in these units aren't paying individual property taxes. A lot of states require that they have a registration fee, just like you do in your vehicle, that they would have to pay on an annual basis. And then most of them have insurance as well. You know they're covering you're carrying homeowners insurance on the actual dwelling itself. Outside of that, it's, again, just pretty straightforward,    Keith Weinhold  14:47   yeah. So here we are in this low competition, low supply niche that we're talking about here we think about communities and nimbyism and building, not in my backyard. ISM oftentimes that's a sentiment that residents of a certain area have, residents say something like, ah, we don't want this new 200 unit apartment building or mobile home park here in our single family home neighborhood, like, that's nimbyism. But in mobile home parks, to me, it seemed like nimbyism is often at a different level. It's at the government or the municipal level, like your town or city, might not want one, because it doesn't generate as much property tax revenue as a new single family neighborhood would. Is that the reality? Kevin,   Kevin Bupp  15:31    that's absolutely the reality. And that's why you don't see new parks getting built. I think last year, ones that I know of, there are about a dozen that were built, many more than that. They're actually shut down, you know, for redevelopment purposes. And so that is absolutely huge part of it. In fact, you know, it's frustrating, because pretty much every municipality across the country the topic of affordable housing, it's on the radar, and it's probably one that is discussed quite often. And in all reality, again, these mobile home parks really would help resolve that challenge at most of these you know, municipalities are the shortage of homes, affordable homes, that they're facing across the country. And so, you know, another big piece of it, you mentioned the tax basis, absolutely, you know, the municipality would make, they'd have much better tax revenue from pretty much anything else that could be built there. And so that's a big barrier. But the nimbyism piece of it, I think a big part of that is it's unfortunate. I think it's getting better over time. There's bad operators in our space, just like they're bad operators in the apartment space, just like there's bad operators landlords that have single family homes that just let them deteriorate over time and don't repair things. Unfortunately, we kind of get lumped all the mobile home parks get lumped in that bad bucket. And so while there's, you know, I always joke and say there's mobile home parks that are on the wrong side of town, wrong side of the tracks, right? You don't want to go to and during the daytime. Well, guess what? There's subdivision, the single family home, neighborhoods that are the same thing, and there's apartments that are like that as well. You don't go anywhere near them. And you've got the middle of the road, right? You've got just the good, hard working, blue collar folks that want to send their kids to good public schools. We've got those communities apartments are that way too single family home subdivision, you got white collar stuff. You got some higher end stuff. Unfortunately, we kind of all get lumped in that bad bucket. That's where the assumption that's made by folks that don't understand mobile home communities have never driven through one. They just assume that it's all, you know, basically, drug, sex, rock and roll, the wrong element that we do not want in our neighborhood. We don't want anywhere near us. It's going to devalue our home prices. And for that reason, you just don't see them getting built. It's unfortunate, but it's the truth.    Keith Weinhold  17:20   Yeah, I'm just thinking about the mobile home park that I drive past most often. It's sort of walled off. There's maybe an eight or 10 foot high wall around it. I don't know if that's something that the municipality erected to sort of screen its appearance off, or something that the mobile home park built, which is my guess as to who built it, but not all mobile home parks look blighted   Kevin Bupp  17:43   absolutely, yeah. And I don't know the case that you just referenced there. I mean, it could be for sound deadening purposes, if it's off of a busy road. It could have been something put up as far as just to kind of shield off so folks that are driving past don't see the community. My guess would be that's probably not the the reason that was built. But in any event, these are, there's, you know, we've got a number of communities, Keith, that if you drove through, and I didn't, if I blindfolded you and you drove in, so you went past the entrance, you went past a sign that said manufactured home community, and I took you down a road, you wouldn't believe that you were actually in a mobile home park. Some of these homes, they're double wide homes, and they look like ranch homes, and so they're actually laid out perpendicular to this, or parallel to the street, and then they have two car site built garages that are attached to them via breezeway. So they look like your traditional ranch style home, but they're absolutely 100% mobile homes that could be moved if you wanted to move them, and for a fraction of the price of what a neighboring single family home might sell for. So there's all different qualities. They all come in different shapes and sizes. But to my point earlier, some of these communities, they're not even affordable. There's actually, there's down here in Florida, we've got what we call lifestyle communities. It's very common out in Arizona as well, where it's a lot of times a second home for snowbirds, you know, retirees that want to come down and want to live an active lifestyle. You know, they want to have two swimming pools. They want to have an activities director. They want to have, you know, shuffleboard and pickleball courts and tennis courts, and they want to live this lifestyle. And those units are anything but affordable. In fact, there's many. There's a community down the road for me that, you know, their lot rent is $1,200 a month, and so you factor that in with probably a house payment. And you know, you might be looking at 2000 to, you know, $2,300 a month, all in for the house and the lot rent. And so not necessarily in the affordable scheme of things, but they come in all shapes and sizes and again, unfortunately, we just get lumped into that bad bucket. It's unfortunate because I do think that we could really help start making a dent in this affordable housing crisis. I don't how it's going to happen any other way. I really don't, because we can't build affordable products at this point in time. It's not possible    Keith Weinhold  19:37   a posh an exclusive mobile home park there that you're referencing in Florida. As paradoxical as that sounds, tell us, Kevin, how that really works, because I know you help investors get in to mobile home parks. Does this mean an investor owns a full Park? Or I wouldn't imagine you're just doing it at the level where you just own one lot and then have One dweller pay you the lot rent. So tell us about how it works from the investor angle.    Kevin Bupp  20:05   We have fund structures that we typically roll out through sunrise capital investors and any one individual fund will own somewhere between nine to 13 somewhere, typically in that range, mobile home communities. These communities can range in size from maybe as small as 80 or 90 lots to the largest community we own at present time is 780 lots. And so it's quite large. I mean, the size of a small town. But essentially, investors come in and they own a based on their investment. They own a proportionate share of the various properties that are owned underneath that fund umbrella. And so one, an individual, might come with 100,000 and own a smaller proportion share than someone that comes in with a million dollars. But they are owners. They're absolute owners. They participate in the cash flow, they participate in the the upside, and they participate in the proceeds. When we have capital events, either cash out refinances or potential sale events.    Keith Weinhold  20:56   Tell us more about why it's so profitable. Why do mobile home park investors get excited,    Kevin Bupp  21:01   as with anything, Keith, you know, you got to buy it, right? And, you know, we look at a lot of deals, and a lot of deals don't pencil like, if we bought it for what they're asking, we would make money. We might lose money. And so the money's made on the buy, just like with any other type of real estate investment. But I think the one factor that really has allowed mobile home parks to be an attractive investment vehicle over the past, really, the last decade, it's grown the attention of lots of different private equity groups, institutional investors, that 15 years ago, they weren't in the space, and the biggest reason is a lot of these. It's a very fragmented niche, and so there was no consolidation that existed 10 years ago. There was really only two public traded companies outside that. It was mom and pops, mom and pops, that typically owned one, maybe sometimes two or three communities, but it was just a very fragmented niche. And what you find those fragmented niches that there's a lot of inefficiencies that exist in the operations. There's a lot of inefficiencies that exist with regards to utility management or managerial oversight within the community, or even keeping up with market rents. And so very often, we'll get into a community we just bought one at the end of last year, and right outside of Ann Arbor, you know, great sub market in Michigan. It's it literally has never traded hands. It was built back in the 80s by the gentleman we purchased it from. He was a subdivision developer, but he got into the manufactured housing space, so he built this, what looked like a subdivision, but it was mobile homes and and he basically owned it up until we acquired it last year, but gorgeous community, well maintained, needed some upgrades, different amenities that just were a little worn out and tired. But the biggest element within that community was that the market rents in the local area were roughly $800 a month. $800 a month for lot rent, and when we purchased it from him, the average lot rent throughout the community was $477 so there was a significant loss lease that exists. And we see this quite often with just over time they've owned it, free and clear, they go 567, years out, doing rent increases, and sooner or later, they find themselves in a situation where they are severely below the local market rents. And so there's typically a lot of loss, at least recapture, that we find going into these communities. Sometimes we'll also go in and we'll find there's a lot of waste with the water and sewer cost. It might not be billed back for usage to the residents, to where if you're not paying for something, sometimes you're abusing it. And a lot of times we can go in and put individual meters in and almost send entirely that savings down to the bottom line and find it as additional noi on our PNL. And so it's just inefficiency of operations, and again, quite common, given the mom and pop nature of this asset class. But it's very quickly becoming consolidated. Now it looks very different today than what it looked like as far as the ownership groups. When I go to an industry event 10 years ago, those other guys like us, and then a lot of mom and pops. Now it's, you know, the likes of reps from Blackstone and Carlisle group and and got lots of other institutional groups that are showing up there. So just it's very different world, and probably more akin to that of what the apartment sector looks like, as far as ownership groups and the consolidation that's happening.    Keith Weinhold  23:52   You're feeling more of that competition. Kevin and I are going to come back and talk about another, I suppose, real estate investment that has something to do with wheels, and that is investing in parking lots. I'm your host, Keith Weinhold   Keith Weinhold  24:07   if you're scrolling for quality real estate and finance info today, yeah, it can be a mess. You hit paywalls, pop ups, push alerts, Cookie banners. It's like the internet is playing defense against you. Not so fun. That's why it matters to get clean, free content that actually adds no hype value to your life. This is the golden age of quality email newsletters, and I write every word of ours myself. It's got a dash of humor. It's direct, and it gets to the point because even the word abbreviation is too long. 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While it's on your mind, start at Ridge lending group.com that's Ridge lending group.com.   Ted Sutton  25:51   Hey, it's corporate directs Ted Sutton. Listen to get rich education with Keith Weinhold, and don't quit your Daydream.   Keith Weinhold  25:59   welcome back to get rich education. We're talking about two real estate investment niches with Kevin bump today, an expert in both mobile home park investing and in parking lot assets. And Kevin, I got to tell you, I am more skeptical about parking lot investing than I am about mobile home park investing, but you can probably help me with this. I think we know that. I mean, gosh, just historically, ever since Henry Ford did his thing. I mean, mass transit adoption is really slow in most US cities. But anymore, one needs to wonder, okay, can autonomous cars disrupt the parking model? A Robo taxi can just constantly stay on the road, dropping off and picking up passengers where, you know, some people foresee a day in the not too distant future that people won't even need to own cars. They'll sort of have a subscription to a car service, but now this is where your expertise is. So I'm sure you thought above and beyond that. So what are your thoughts there, just for the need for parking spaces?    Kevin Bupp  27:11   You make a valid point. I think the adoption of that, it's, I think it will be very different from market to market, say, the city, whereas, if you want to maybe look at one area. We have a parking garage today in downtown Phoenix, Arizona. Phoenix is very much a driving city. It's parsed out very far the public transit. It's not great there. And again, it's just it's a wider state, whereas, if you compare it to like a San Francisco, the adoption of Robo vehicles and robotaxis and things like that autonomous vehicles is much, much faster than that of a of a phoenix. But also San Francisco is much a much more consolidated marketplace as far as the urban core. And so for that reason, you know, we look at parking, it's got a there's a couple things also that feed into that. So I want to back up a little bit. One of the major changes that has been really playing out over the past 15 years within the parking sector is that building departments within now, I think it's over 100 cities across the country. Denver just announced last week that they're also adopting this policy. And that policy is that historically, if you were Keith, you're going to go on, hey, I want to build this in downtown. I want to go build this apartment complex, condo complex, mixed use property, whatever it might be. Historically, they would have required you, whether you wanted to or not. They would have made you put in a certain amount of parking per 1000 square feet, every municipality would have a formula. And what, what a lot of these cities realized a couple decades ago is that, based on their, you know, antiquated formulas, they had a surplus of parking available on a lot of these downtown areas. You know, it wasn't being used. And given the developer an opportunity and the choice to say, Hey, do I want to build 20 more parking spaces that aren't going to get used? Or I want to build want to build 10 more apartment units, they're going to choose the apartment units. And so the parking mem requirements have been taken away, have been eliminated in a lot of cities over the last decade plus. And so that's created a shrinking supply of parking because now when developers build something, they're building only as much as they need, sometimes not even as much as much as they really need, because then they can still rely upon other ancillary parking structures within the immediate marketplace. And so, so there's a shrinking supply of parking. And every city that we own in today there's a massive shrinking supply of parking. So that's big piece of it that we know that inevitably, if we get the location right, an area where literally, you wouldn't be able to afford, based on the cost of construction and the cost of lands, they wouldn't be able to afford even building new parking structure, if you so chose to. And now that there's also a shrinking supply, diminishing supply, of this parking that we can be comfortable in our demand for our product, and so to the point of like autonomous vehicles and things of that nature, I do think there will be a time. I don't know how long that time is. I do think that there will be a time where we'll see some sort of impact. I don't know what that is. And so how we underwrite deals is we feel very confident over the next 10 years. We have to have a absolute confidence level over the next 10 years that there's going to be continual demand based on the various factors within this marketplace, the demand drivers that are servicing that garage, like, who's parking there, why they're parking there. But second to that, when we. Buy something. We need to have the air rights. We know that there inevitably will be a higher and better use. So Location, location, location, it's got to make sense today as parking. We got the underwriting has to stand on its own as parking, and we have to have a comfort level that 10 years, there will be sufficient demand throughout the duration of the next decade, in the event things start changing down the road, we know that, literally, the lowest use that it could ever have is its present use, which is parking because it's just a concrete structure, sometimes just an asphalt parking lot, to where, once you go vertical, that's where you're going to be able to unlock a lot of additional potential. And so we don't underwrite the future. We look at that as icing on the cake. But we know, based on the the location, the proximity to, you know what else is happening in that marketplace, that location will be in demand, not just today, but many decades to come. So I'll stop there and see if you have any clarifying questions.   Keith Weinhold  30:51   I think about how for the parking lot investor, Jamie Dimon has been really good for you. He is so hard on the return to Office. Mandate?   Kevin Bupp  31:01   Yeah, I'd say one thing that's important to make note is, I don't know what the future holds for office I tend to make the argument that wherever picking office building in a marketplace, wherever they're at with occupancy today, I think it's probably as good as it's going to get. We don't have to go down that rabbit hole. But I just I feel like it's been long enough since covid. And don't get wrong, there's gonna be a few companies that are going to be pressed that are going to be pressing, you know, in a big way, to get people back, but I think 80% of them that we're going to go back are already there. And so any parking asset that we look at, if it's got more than 10 or 15% as far as relationship with an office building or multiple office buildings in immediate vicinity, then we typically pass on it. And on top of that, it's got to have a variety of demand drivers. So it just can't be supportive of one or two different demand drivers. We have have at least five. And so it can be a courthouse, municipal buildings, sports arenas. It's got to be a 24/7 city where there's something happening, 24 hours a day, seven days a week, hotel, valet, restaurants, retail, things like that. And office has to be a very minimal part of that makeup, or else we just move on, because I don't know how to fix it. How to fix that problem yet. I don't know what's going to you know what the future holds for your traditional office towers, especially the ones that are, you know, 50, 60% vacant at the present time? Yeah, that's interesting, because when you look at a parking lot and you're evaluating its potential and its current use, yeah, you're basically thinking about, what is that tenant mix. You don't want 100% of it to be for one office building. You would probably want a number of uses. That's correct. Yeah, absolutely. Again, like I said, Five is our minimum. I mean, the more the merrier. And I'd say another big piece of it, if we had to look at the different demand drivers and put a value or a hierarchy of what we feel, what are the highest priority demand drivers, transient is the best. I want to know that the folks that are coming there, there's enough attractions in immediate vicinity, and we need to know what those attractions are, and better understand those attractions. But there's a variety of attractions in the immediate vicinity to where it's going to continually attract transient parking. So it's not just it's not a reliance upon one thing. And so, for example, we just closed on a garage in historic Philadelphia, and so it's a block away from Liberty Bell, two blocks from Independence Hall, any of other museums. I mean, like it's it is we talk about location, location, location. It's there that part of Philadelphia has been in demand by tourism for hundreds of years, and I don't foresee that that changing anytime soon. And so 70% of the makeup of the traffic in that garage is made up of transient traffic, so folks that are visiting the various attractions and immediate vicinity. So even if one of those attractions went away, which most of them are historical, they're not going to go away. If one or two did, it still wouldn't have that significant of an impact on the parking demand.    Keith Weinhold  33:36   That's interesting. Okay, a transient customer, not one that's showing up and parking there every day to go to work. And yes, the Liberty Bell, Independence Hall, there's going to be a long term demand to see those sorts of things in person. So that's an interesting way to think about that. And Kevin, while we've been talking about parking, at least in my mind's eye, a lot of times, I've just been thinking about one paved at grade parking area, but we're talking about parking garages as well. Or what are some of the trade offs there between parking garages and an at grade parking lot?    Kevin Bupp  34:08   Yeah, I mean, at grade parking lot is, can't get any simpler than that. I mean, typically they're asphalt or sometimes just crushed gravel, but that's it. So as far as future capex requirements, there's not many, right? It's very, very minimal. Whereas a parking garage, especially if it's in a colder environment, where there's snow and you've got salt on the road, salt that's making its way up the concrete, seeping into the cracks, you've got structural rebar issues to worry about, things of that nature. So weather can take a major toll on parking structures if they're not maintained well. Whereas you know the worst that could happen the same weather, you know, the weather takes the same toll on these asphalt parking lots, but it really only equates to maybe a pothole that you have to fill in, and a parking structure could be deteriorated to the point of no return if it's been neglected long enough to where it might be unsafe, structurally where you know now you're you're getting condemned or shut down. So big considerations there, it's interesting. We Own, the one we own in Phoenix, the Phoenix, it's a desert. It's a desert climate. They get very little moisture. And that was that parking garage was built in the 60s, so very long time ago. It's the oldest thing we have in our portfolio, but it better condition has been preserved better than that of of a recent garage we purchased that was built in 1990 that's all the environment that's in. You know, there's really not much that can deteriorate concrete once in the desert.    Keith Weinhold  35:22   Was there any last thing on parking lot investing like something that gets an investor really interested in this asset class? What's really compelling and profitable about it?   Kevin Bupp  35:33    It's very technology driven business, and what we have found is a lot of these parking assets, of either they're owned by, you know, an individual investor, or if they happen to be owned by an institution, they've never been viewed as the primary investment vehicle. A lot of institutions that own parking garages, they happen to own them by default, because maybe they bought the two office towers years back, and it just happened to come with parking right? And so a lot of times, they've been somewhat neglected, like the PnL has been neglected. They haven't found ways to really extract all the value out of these parking facilities. And so very commonly, we'll go in and we'll find that the technology that's in place is 10 years old. And think about what a computer 10 years ago look like, right? Like it's you're not catching all the license plates. You're not able to log in and adjust pricing in a dynamic manner based on supply, demand factors. And so we can simply go in and just create a more efficient pricing model and find sometimes, you know, 10 15% of additional revenue just from doing those simple things, like literally a few $100,000 worth of upgrades and technology, we can add millions of dollars of value. There's other factors, you know, just simple things folks want to park in a not just clean and safe, but well lit. You know, they want to feel safe in lighting. And we'll find parking facilities that still have old halogen lights. Half of them are burnt out. If you start serving people, they're actually not parking there in the evenings. They're finding somewhere else to go because they don't feel safe. And so just going in and doing a revamp, you know, an upfit with LED lights, making it nice and bright, bright and clean and letting everyone feel safe, we'll find a instant increase in demand and Parkers in the later evening hours. So I mean just little simple operational tweaks that we can make that just have simply been overlooked for many, many years by the prior ownership groups.    Keith Weinhold  37:15   That's really interesting, that oftentimes the owner of a parking lot owns that parking lot as an afterthought, because they were in it to purchase the building that accompanies the parking lot. So it would make sense that when you focus on that parking lot, you could really add value and profitability to that lot. Well, Kevin, these have been interesting chats between mobile home park investing and parking lot assets. I think that the commonality here is that you the investor, are just owning a lot, and therefore the maintenance and hassles with these things are really low. This gives our audience an awful lot to think about. So Kevin, are there any last thoughts that you have about this space overall, and then please let us know how our audience can learn more.    Kevin Bupp  38:02   No additional thoughts. I don't believe I'd say that if you have an interest, if we've piqued your interest at all, we've written a number of white papers on both asset classes, both parking as well as mobile home parks. You can download all that for free on our website. Invest with sunrise.com We've got a number of other case studies on our website. We're pretty transparent. Well, what we buy, what we've owned, what we've exited out of. We'll go as far as providing appraisal reports and third parties and things like that on our website. So if you just want to get a sense of not just who we are, what we do, but just have a better understanding of the investment thesis behind parking and manufactured housing, there's tons of resources that you can download from the website.    Keith Weinhold  38:37   Well, that's a great way to learn more about Kevin, what he does, and then maybe even invest alongside him. Well, Kevin, it's been valuable and eye opening. It's been great to have you back on the show.    Kevin Bupp  38:46   Yeah, thanks for having me, Keith. Been a lot of fun, my friend. Good seeing you again.   Keith Weinhold  38:57   Yeah? Good stuff from Kevin there. The MHP space becoming more consolidated and corporatized too. You know, single family rentals are different from mobile home parks in that way. I mean, 90% of single family rentals are owned by small mom and pops, which means those people that own between just one and five properties, Kevin used the term loss to lease a few times. That phrase loss to lease being a real estate education show what that term means is really a lot like how it sounds. It is the potential income that a property owner misses out on because the actual rent collected is less than the current market rent. That's what loss to lease means. Though, I like the long term future of mobile home parks more than parking deals. You know, Kevin did, though, have some great answers for why he still likes parking. He focuses on a 10 year horizon. He. Looks for at least five use types for the parking. And then another great point is that in a lot of cases, the land that the parking occupies is its lowest use. So therefore, when they sell the parking area, they can get some nice exit income. That makes a lot of sense. And being two native Pennsylvanians like we are, I am familiar with that part of Philly that he's talking about. In fact, what's funny is that, in producing this show today, I guess cookies are doing their thing. This parking lot deal in Philly just appeared in my Instagram feed next week on the show, it'll be back to no guest. It's going to be all me, and you're going to hear some things that you wouldn't expect to hear Until then, I'm your host, Keith Weinhold, don't quit your Daydream.   Dolf Deroos  40:51   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.   Unknown Speaker  41:19   The preceding program was brought to you by your home for wealth, building get richeducation.com