Podcasts about hoas

Gas prices are on the rise, and Eric G is diving right into the nitty-gritty of why that's happening and what it means for us home improvement lovers. We're chatting about everything from oil market fluctuations to how these changes can ripple through the world of building materials. Plus, Eric's got some spicy updates on those pesky HOAs and city governments that sometimes seem to think they own the neighborhood! It's a wild ride as we explore the balance between community regulations and our rights as homeowners. So, grab your headphones and get ready for a mix of insightful commentary and a sprinkle of humor—because who said discussing gas prices and local governance can't be fun? Gas prices and the ever-fluctuating costs of building materials are hot topics these days, and Eric G dives right into the thick of it. He gives us the lowdown on why gas prices are on the rise, linking it to the uncertainty surrounding the oil markets—especially with the shenanigans happening in Iran. But don't throw your hands up in despair just yet; Eric assures us that this spike is likely temporary. He explains how the oil supply is still relatively stable and how these prices often bounce back like a rubber ball—quick to soar, slow to come back down. So, while we might feel a pinch at the pump, Eric's optimistic that we won't be left stranded in the desert of high prices for long. But wait, there's more! Our trusty host also touches on how these rising gas prices might just ripple out and affect the costs of trucking and shipping materials, creating a bit of a domino effect in the building supply world. With spring around the corner, and the clocks about to change—cue the collective groan over daylight savings—Eric encourages us to check our smoke detectors and carbon monoxide alarms. After all, safety first, right? He reminds us that while the clock may change, the need for vigilance in home safety doesn't. And if that wasn't enough, Eric is revving up for a new segment focusing on those pesky Homeowners Associations (HOAs) and city governments that sometimes seem to have more power than they should. He shares his plans to investigate local governance that might be overstepping its bounds—particularly in Cannon Beach, Oregon, where city council members seem to be making rules that could hurt homeowners. It's a fascinating peek into the power dynamics at play in our neighborhoods and how they can impact our rights as homeowners. So, whether you're a DIY aficionado or simply someone trying to navigate the wild world of home ownership, this episode is packed with insights and a sprinkle of wit to keep things lively!Takeaways:Gas prices are on the rise due to global oil uncertainties, but don't panic just yet!Eric G discusses the importance of checking smoke and carbon monoxide detectors regularly for safety.Homeowner associations can sometimes overstep their bounds, which Eric plans to explore in future episodes.Over 3.2 million Weber grill brushes have been recalled due to safety hazards, so check your kitchen!As we spring forward, remember to check your home safety devices for a fresh start to the season.Eric shares insights into a local HOA situation, highlighting the need for homeowner awareness and advocacy.Links referenced in this episode:aroundthehouseonline.comcpsc.govyoutube.com/aroundthehouseCompanies mentioned in this episode:Anderson WindowsWeberCPSCThanks for listening to Around the house if you want to hear more please subscribe so you get notified of the latest episode as it posts at https://around-the-house-with-e.captivate.fm/listenIf you want to join the Around the House Insider for access to the back catalog, Exclusive Content and a direct email to Eric G and access to the show early https://around-the-house-with-e.captivate.fm/support We love comments and we would love reviews on how this information has helped you on your house! Thanks for listening! For more information about the show head to https://aroundthehouseonline.com/Information given on the Around the House Show should not be considered construction or design advice for your specific project, nor is it intended to replace consulting at your home or jobsite by a building professional. The views and opinions expressed by those interviewed on the podcast are those of the guests and do not necessarily reflect the views and opinions of the Around the House Show.Mentioned in this episode:Subscribe to the podcast Make sure and Subscribe on your favorite podcast player or the link below! Podcast Subscribe 2026

Keith sits down with Fred Hodge Jr., owner of Clearview Washing in New Jersey—an exterior cleaning company that's been growing since 2004 and now runs up to 26 employees in peak season. Fred breaks down what actually helped him scale: lead gen, hiring, culture, and the systems that keep the business running even when he's on vacation (without the "putting out fires from the beach" vibe). They get into niche high-profit services (yes, chandelier cleaning), the KPIs that drive pricing decisions, how to raise prices without nuking your calendar, and why Fred keeps a buffalo picture behind his desk—to remind himself to run toward problems, not away from them.   "What got you there isn't the same avenue what's gonna get you to your next place." – Fred Hodge Jr.   What You'll Learn in This Episode: How Fred scaled from "Chuck in a truck" to a multi-crew operation The systems that help him step off the truck—and stay off Why bundling services dramatically raised their average ticket How to use simple KPIs (no algebra required) to make smarter pricing moves What "penny smart, dollar foolish" looks like in real business decisions How to build a team culture that retains great people   Key Takeaways: The Business: 22 Years, 26 Employees, Multiple Services. Clearview Washing offers window washing, power washing, soft washing, gutter and roof cleaning, holiday lights, shrink wrapping outdoor furniture—and even chandelier cleaning. Peak season team size hits around 26 employees, with a business mix that's roughly 70% commercial (including HOAs/condos) and 30% high-end residential. The "Chandelier Cleaning" Advantage. Fred explains why chandelier cleaning became a standout niche: most competitors avoid it due to complexity and liability. Clearview leaned in, developed the skill set and tools, and now gets inbound calls from across New Jersey—sometimes landing $8K–$10K chandelier-cleaning projects in high-end homes. Scaling Happened When Systems Got Serious. Fred credits a major turning point to implementing real operational systems (with big help from his wife, who drives processes). That included choosing a CRM (Jobber) and building workflows that reduce chaos and prevent everything from escalating to "owner-level emergencies." He even jokes their QuickBooks coach says they're "not an exterior cleaning company—they're a technology company that offers exterior cleaning."   Connect with Fred Instagram: https://www.instagram.com/fredhodgejr/  Facebook: https://www.facebook.com/freddie.hodge  Website: https://clearviewwashing.com/  Connect with Keith Instagram: https://www.instagram.com/keithkalfas/ Facebook: https://www.facebook.com/thelandscapingemployeetrap Website: https://www.keithkalfas.com/resources Youtube: https://www.youtube.com/@keith-kalfas   Resources and Websites:  Start Getting Leads Now https://www.footbridgemedia.com/keith The Untrapped Alliance: https://www.keithkalfas.com/alliance Resources You Need To Build A Successful Business https://www.keithkalfas.com/resources

This episode features Barry Skolnick - entrepreneur, and collector of luxury cars.Barry shares the story behind building Ikonick and how he turned his passion for art, culture, and business into a successful company. In this conversation, we talk about:• How Barry built and scaled his companies• The mindset and discipline behind a successful brand• His passion for collecting contemporary art and iconic Ferrari models • Bitcoin Crash, banking, investing, and digital money• Current state of IranIf you're interested in entrepreneurship, business strategy, e-commerce, branding, luxury lifestyle, exotic cars, or building a successful brand, this episode is for you.Like & subscribe to support the channel and stay tuned for more conversations with entrepreneurs, creators, and industry leaders.----

S6:E16 If you keep hearing about the short-term rental tax loophole but it feels confusing, this episode makes it easy-peasy to understand. We unpack how 100% bonus depreciation can create big paper losses that may offset active income when structured correctly. Loralyn Mears, PhD, aka "Dr. LL," brings you thoughtful conversations with entrepreneurs and small business leaders navigating visibility, leadership, and growth. Thank you for being here. Overview A lot of smart, high-earning people are trying to "do the right thing" financially, but they are quietly stuck in analysis paralysis, platform dependence, or bad assumptions about what's actually possible. This episode sits inside that tension: you want real assets and real leverage, but you also want clarity, guardrails, and a plan that does not take over your life. That's the difference between buying a property and building an asset that actually performs.

S6:E16 If you keep hearing about the short-term rental tax loophole but it feels confusing, this episode makes it easy-peasy to understand. We unpack how 100% bonus depreciation can create big paper losses that may offset active income when structured correctly. Loralyn Mears, PhD, aka "Dr. LL," brings you thoughtful conversations with entrepreneurs and small business leaders navigating visibility, leadership, and growth. Thank you for being here. Overview A lot of smart, high-earning people are trying to "do the right thing" financially, but they are quietly stuck in analysis paralysis, platform dependence, or bad assumptions about what's actually possible. This episode sits inside that tension: you want real assets and real leverage, but you also want clarity, guardrails, and a plan that does not take over your life. That's the difference between buying a property and building an asset that actually performs.

Compost: it's so misunderstood. Vilified by HOAs, and loved by gardeners, it's been ignored, worshiped, blamed, blessed, and then quietly banished to the far corner of the yard. Yet this magical garden process keeps working anyway, taking our scraps, our weeds, our gardening mistakes, and even items that we should have cleaned out of the fridge last month and turning them back into organically rich soil.What are the issues? What are the joys? What are the things that make the whole process easier? Leslie and Marianne don't want you to overthink it, they just want you to start it — as they simplify and celebrate the compost pile, today on The Garden Mixer.___________________Be sure to hit the subscribe button so we can keep you smiling while you hit the mess [your garden] out there.Full Show Notes at⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠The Garden Mixer Podcast's Substack⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠____________________Socials – Pick Your Platform:Follow us on Instagram⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠@thegardenmixer⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Indulge us on TikTok⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠@the.garden.mixer⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Spar with us on X⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠@gardenmixerpod⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠“French Bistro” theme by Adieu Adieu. License D0LZBINY30GGTBBW

Hi everyone — this episode features Moshe Popack, a third-generation real estate investor who began his career working in the offices of his father and grandfather in Brooklyn, NY.Growing up in a real estate family, Moshe was exposed early to the fundamentals of property acquisition, asset management, and long-term investing. Over the years, he has built on that foundation, expanding his experience across multiple asset classes and markets while continuing the legacy of disciplined, strategic investing.In this conversation, we dive into:• The advantages of real estate investing• How long-term investors evaluate risk and opportunity• Lessons learned from decades of market cycles• The mindset required to scale in competitive marketsWe also discuss how generational knowledge, market timing, and operational discipline separate sustainable investors from short-term speculators.Follow / Connect with me:

Bills aimed at changing how Floridians deal with vehicle registration and HOAs continue to move ahead during the legislative session, while the property tax issue remains in limbo. See omnystudio.com/listener for privacy information.

This Valentine's Day edition of https://FixItRadio.com blends practical home advice with bigger-picture insights every homeowner should hear. John Rush and Steve Horvath tackle winter watering during dry months, explaining why trees, shrubs, and lawns still need attention—even when temperatures fluctuate. How do you protect your landscaping without risking frozen lines, and why does it matter more than you think? The conversation then shifts to one of the most overlooked homeowner topics: what actually devalues a home. From bad neighbors and changing neighborhoods to mismatched remodels, John explains how well-intended upgrades—like basement finishes or tub-to-shower conversions—can quietly hurt resale value if they don't match the rest of the house. When is a renovation an investment, and when is it just money you'll never get back? Listeners also get an inside look at the real cost of development, zoning, and city approvals. Why do new homes take years to build before construction even begins? How do regulations, HOAs, and construction defect laws affect housing affordability and long-term value? Add in emerging ideas like 3D-printed homes, winter plumbing maintenance, and wildfire access concerns, and this episode becomes a crash course in protecting your biggest asset. If your home is more than just a place to live—if it's part of your financial future—this episode asks the right questions and gives you the insight to make smarter decisions before costly mistakes are made.

Want to quit your job and build a real land investing business? ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

Hi everyone — this episode features Henry Manoucheri CEO and Chairman of Universe Holdings. Henry came to the United States from Iran in 1978. After spending 15 years as a broker at Marcus & Millichap, he transitioned into multifamily real estate investing and has now been buying, owning, and operating property in California for over 32 years.He is a value-add multifamily specialist, deeply experienced in the California market, and shares insights that most people don't understand about: • What's really happening in California real estate • Why many investors misunderstand the market • How long-term operators think during uncertaintyWe also dive into current events in Iran, discussing realities and atrocities that are rarely talked about and why they matter today.This is a powerful, eye-opening conversation — stay tuned.Like & subscribe — it truly helps support the channel----

In this pre-sunrise episode, Jordan and Jason kick off 2026 with a candid look at what's current in their tree and landscape businesses. They recap January's guest lineup, then dive into real-world topics like business development through BNI and apartment associations, HOA speaking gigs, and an emergency job removing a 40" oak after a massive water main blowout. They share how tools like LiveSwitch and AI are leveling up their proposals, how a 10,000-contact email campaign with a real 10% labor discount helped fill the February schedule, and what they're learning about marketing ROI with Intrigue Media. They also unpack losing a long-term HOA contract, dealing with difficult homeowners, and set the stage for the upcoming Landscape Rodeo with equipment competitions, sponsors, and a VIP crawfish-fueled Low Country boil.

In this episode of the Real Estate Pros Podcast, host Micah Johnson sits down with Katie Johnson, a short-term rental (STR) investor and attorney specializing in STR law. Katie shares how she entered the short-term rental space, scaled her portfolio in Southwest Michigan, and identified a major gap in legal protection for STR owners. The conversation dives into zoning laws, deed restrictions, HOAs, and the increasing regulation of short-term rentals across the country. Katie also explains why proper legal setup—such as LLCs, contracts, and insurance—is critical to protecting investors from significant liability. This episode emphasizes education, risk management, and building the right professional team when operating short-term rental businesses.   Professional Real Estate Investors - How we can help you: Investor Fuel Mastermind:  Learn more about the Investor Fuel Mastermind, including 100% deal financing, massive discounts from vendors and sponsors you're already using, our world class community of over 150 members, and SO much more here: http://www.investorfuel.com/apply   Investor Machine Marketing Partnership:  Are you looking for consistent, high quality lead generation? Investor Machine is America's #1 lead generation service professional investors. Investor Machine provides true 'white glove' support to help you build the perfect marketing plan, then we'll execute it for you…talking and working together on an ongoing basis to help you hit YOUR goals! Learn more here: http://www.investormachine.com   Coaching with Mike Hambright:  Interested in 1 on 1 coaching with Mike Hambright? Mike coaches entrepreneurs looking to level up, build coaching or service based businesses (Mike runs multiple 7 and 8 figure a year businesses), building a coaching program and more. Learn more here: https://investorfuel.com/coachingwithmike   Attend a Vacation/Mastermind Retreat with Mike Hambright: Interested in joining a "mini-mastermind" with Mike and his private clients on an upcoming "Retreat", either at locations like Cabo San Lucas, Napa, Park City ski trip, Yellowstone, or even at Mike's East Texas "Big H Ranch"? Learn more here: http://www.investorfuel.com/retreat   Property Insurance: Join the largest and most investor friendly property insurance provider in 2 minutes. Free to join, and insure all your flips and rentals within minutes! There is NO easier insurance provider on the planet (turn insurance on or off in 1 minute without talking to anyone!), and there's no 15-30% agent mark up through this platform!  Register here: https://myinvestorinsurance.com/   New Real Estate Investors - How we can work together: Investor Fuel Club (Coaching and Deal Partner Community): Looking to kickstart your real estate investing career? Join our one of a kind Coaching Community, Investor Fuel Club, where you'll get trained by some of the best real estate investors in America, and partner with them on deals! You don't need $ for deals…we'll partner with you and hold your hand along the way! Learn More here: http://www.investorfuel.com/club   —--------------------

Register here to attend the live virtual event "Why Central Florida is the Year's Most Compelling Housing Market" on Thursday, February 19th at 8pm Eastern. Keith looks at how a changing Federal Reserve leadership might shape the interest rate environment, then zooms in on what's really happening with homebuilders versus remodelers across the country.  You'll hear about a lesser-known strategy some investors are using to step back from day-to-day landlording while keeping their income, and then we head to Central Florida to explore why one fast-growing market is quietly becoming a hotspot for new-build rental properties.  Along the way, a longtime Florida builder joins the show to explain how they're creating affordable, investment-friendly homes and what kinds of rents and tenant demand they're seeing on the ground—plus a way you can learn more live if this opportunity fits your own portfolio plans. Resources: Register for the event at GREwebinars.com Episode Page: GetRichEducation.com/592 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  For predictable 10-12% quarterly returns, visit FreedomFamilyInvestments.com/GRE or text  1-937-795-8989 to speak with a freedom coach Will you please leave a review for the show? I'd be grateful. Search "how to leave an Apple Podcasts review"  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— GREletter.com  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 naming of a new Federal Reserve Chair. Then are homebuilders in trouble today? There are a dwindling number of them, and their profits are down. I'll talk to a homebuilder. Listen to what amenities tenants want today, and it's interesting. We'll learn how low of a mortgage rate builders will give you. Now there's an opportunity here today on get rich education.   Corey Coates  0:30   Since 2014 the powerful get rich education podcast has created more passive income for people than nearly any other show in the world. This show teaches you how to earn strong returns from passive real estate investing in the best markets without losing your time being a flipper or landlord. Show Host Keith Weinhold writes for both Forbes and Rich Dad advisors, and delivers a new show every week since 2014 there's been millions of listener downloads of 188 world nations. He has a list show guests include top selling personal finance author Robert Kiyosaki. Get rich education can be heard on every podcast platform, plus it has its own dedicated Apple and Android listener phone apps build wealth on the go with the get rich education podcast. Sign up now for the get rich education podcast or visit get rich education.com   Keith Weinhold  1:14   mid south home buyers with over two decades as the nation's highest rated turnkey provider, their empathetic property managers use your return on investment as their North Star. It's no wonder smart investors line up to get their completely renovated income properties like it's the newest iPhone headquartered in Memphis, with their globally attractive cash flows, mid south has an A plus rating with the Better Business Bureau and 4000 houses renovated, there is zero markup on maintenance. Let that sink in, and they average a 98.9% occupancy rate with an industry leading three and a half year average renter term. Every home they offer you will have brand new components, a bumper to bumper, one year warranty, new 30 year roofs. And wait for it, a high quality renter in an astounding price range, 100 to 150k GET TO KNOW mid south enjoy cash flow from day one at mid southhomebuyers.com that's mid southhomebuyers.com   Speaker 1  2:17   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  2:33   Welcome to GRE from countersport Pennsylvania to Davenport Iowa and across 488 nations worldwide. I'm Keith Weinhold, and you're listening to get rich education now more than ever, where you learn about personal finance and real estate investing matters. There's more AI generated content out there. This show is all flesh and blood me. There's also more clickbait content out there that says something like the housing market is about to have a price crash. No, it's not. They're just there to get short term attention. So your information source really matters today. New incoming Fed chair, Kevin Warsh, was recently named. He will replace the outgoing Jerome Powell on May 15. I want to tell you more about that in a moment. But first, just imagine if this scenario were to occur, say that we get a Fed chair that has to deal with really high inflation. And so what this Fed chair does is that he successfully brings inflation down, and he does that without triggering a recession that's called a soft landing. Well, you know what? That's exactly what Jerome Powell did the past three years. Yeah, that's what he's accomplished, and he doesn't get credit for it. He only gets a lot of criticism. Now this doesn't mean that I love Powell. I don't even know that the Fed should exist at all, but Powell got a lot of criticism for calling 2022, wave of inflation transitory, and being too late to respond to it. So he gets some credit here as his term of more than eight years winds down. Let's listen in to some of Jay Powell's recent comments about succession,    Speaker 2  4:23   you've obviously experienced a lot during your time as Fed chair, served under multiple presidents. I'm wondering what advice you have for whoever your successor might be.   Speaker 3  4:34   Honestly, I'd say a couple of things. One is, you know, stay out of elected politics. Don't get pulled into elected politics don't do it. And that's another thing. Another is that you know, our window into democratic accountability is Congress, and it's not a passive burden for us to go. To Congress and talk to people. It's an affirmative, regular obligation. If you want democratic legitimacy, you earn it by your interactions with the our elected overseers. And so it's something you need to work hard at, and I have worked hard at it so and the last thing is, you know, it's easy to it's easy to criticize government institutions so many ways. I will tell whoever it is you're about to meet the most qualified group of people you not only have ever worked with, you will ever work with and when you meet fed staff. And not everybody's perfect, but, but there isn't a better cadre of professionals more dedicated to the public well being than work at the Fed.    Keith Weinhold  5:43   Yeah. So to Powell's point, the next Fed chair, worsh, does champion fed independence, much like Powell has. That is a good thing that keeps America from turning into a banana republic that maintains a strong dollar. Warsh was actually a Fed Governor back during the 2008 global financial crisis, so he's got that experience when he comes in as Fed Chair in three months, he's widely expected to lower interest rates more than Powell did, much like the president wants. Kevin Warsh looks a lot like Michael Scott from the office. He has got to be less bumbling than him, though, overall, the effect on real estate and mortgage rates by shifting from PAL to worsh, I mean, that should be pretty mild. Maybe you'll see rates go a little lower than if pal had stayed and speaking of rates, wait till you see how low the mortgage rate is that our homebuilder guest is offering today. What's really happening with homebuilders now? How much trouble are they in? Homebuilders have largely been maligned. Overall. There are fewer homebuilders today in America than there were 20 years ago, and there are more remodelers than there were 20 years ago, fewer home builders, more remodelers, and that's for a few different reasons. Over the past couple decades, we just have substantially higher labor and material costs, stricter building and energy codes, higher interest rates, and that disproportionately hurts long duration construction projects. We've got zoning constraints and land constraints that make ground up development slow and uncertain and risky. So while the number of Home Builders in America is down, the number of remodelers are up, because America's housing stock is getting older. Its median age is over 40 years, and that creates constant demand for upgrades. Capital prefers faster, lower risk cycles. That's what remodels offer, and homeowners with locked in low mortgage rates choose to stay in place. And what does that make them do? That makes them renovate and remodel, not move. So this is why, compared to 20 years ago, you have fewer home builders and more remodelers. Today, that's per the NAHB and the Census Bureau and all these forces, they've resulted in a lower profit margin for homebuilders. Yes, homebuilder margin compression for a lot of the bigger builders, including DR Horton, just as you might guess in this cycle, their profits were greatest in 2022 and they have fallen since then. Higher mortgage rates came in, and builders had to lose profits by offering more incentives to entice buyers. You're going to learn more about that today and how it really spells quite an opportunity for you and I. When the final change in national home prices was tallied for the end of last year, they had risen in 16,500 zip codes. All right, that's 63% of America's zip codes, and prices were lower from a year earlier in the other 37% home price gains were concentrated in the Northeast and Midwest, and the story there continues to be too many buyers and not enough homes. In fact, over 85% of zip codes saw price growth in Illinois, Connecticut, Wisconsin and Indiana, slow, steady, stubborn, kind of like winter refusing to leave. Losses were predominant in the Sun Belt. Prices caught their breath there. There was price attrition in Florida, with 96% of zip codes, so nearly all of Florida, then California, 78% of zip codes had a price loss. Texas, 75% of them and Arizona, 73% the biggest pocket of opportunity appears to be in Florida. Florida property is on sale. And because real estate is local. A lot of times we talk here nationally, but to get to that local level, sometimes you have to dig in to a local market to really find out what's going on. We're going to do that today. Now, central Miami, Orlando and Tampa, they're not generally the spot for obtaining cash flow from long term rentals. I've identified an opportunity. We'll get into that with this Florida homebuilder shortly. It's kind of funny. You'll run into people that say they want opportunity, but what they really want is certainty. How it plays out, though, is that once the certainty arrives, the opportunity is gone, and that's how to think about Florida and maybe Texas and some of these other markets today that have had price attrition.    Keith Weinhold  10:48   Now, three weeks ago, here on the show, I discussed the 721 exchange for the first time. So I won't get into all those details again when it comes time for you to sell your investment property, the 721 can be the best way for you to cash out. Perhaps you've been investing in real estate for a while and you have turned get rich education into got rich education. How the 721 exchange works is they basically say you have a case where you're a rental property owner and you realize that you don't want the hassles of landlording anymore. Oftentimes, this can mean you're older and real estate investing already took you where you wanted it to take you in life's journey, but you still like the financial benefit that ownership gives you. What you can do is exchange your properties into a partnership and receive shares in that partnership. Now that's different than a 1031, exchange. That's where you trade up some of your property that you directly own for what's usually more and larger property that you directly own. Well, instead, here's the big deal with exchanging your properties into a 721, partnership. The rules stipulate that this is not a taxable event, and therefore you don't have to pay any capital gains tax or depreciation recapture. Now that you're an owner in the partnership, you still get some of the benefits of owning the property, like appreciation and cash flow and such, yet no management or landlording at all like you would have with a 1031 and with a 721 you get all these benefits across a greater number of properties and markets diversification because you're a fractional owner in the other properties that are in the partnership, not only your own, and when you eventually pass away, your shares are stepped up in basis and can be distributed equally to heirs and C It's surely easier for you to divide shares among, say, your three children, than it is to divide your 18 rental houses among three children Who are going to have different goals and varying degrees of financial savvy. So the 721, exchange is a great estate planning tool too. You will have this partnership that makes an offer to buy your property. You're exchanging them for partnership shares. There's a firm that does this called flock homes, and they have a certain Buy Box to be clear with the 721, exchange, you can basically trade your rentals for shares in a diversified, professionally managed Real Estate Fund. This means that you keep your hard earned equity defer capital gains and other taxes, and you still get access to steady income and long term appreciation without the hassle of landlord duties, and you can visit flockhomes.com/gre, and get a free valuation. Get an offer for your property, see if it fits their buy box and see how much they'll pay you. There's often no need to pay to fix up or stage the property for sale or pay agent commissions for a certain investor type. This really can be a rather life changing experience for you to liquidate some or all of your property have zero tax obligation and still enjoy income and appreciation. So again, what you can do is stop by flock homes.com/gre, that's F, l, O, C, K, homes.com/g, R, E, let's discuss the home building climate today.   Keith Weinhold  14:38   I'd like to bring in a premium Florida homebuilder guest to the show, Jim, because there has been more homebuilding in Florida such that some areas of the state have excess supply. And when you add that onto the fact that the hot pandemic migration to Florida has slowed such that home prices have made a rare dip in the state, that is why it. A timely topic. Jim, you're on GRE Welcome to the show. Keith, great to be here. Thanks for having me. Yeah, and we did the IRL thing in Colorado there a few weeks ago. That was great hanging out in person. You provide entry level new build homes, mostly in Central Florida. And these are properties that are conducive to real estate pays five ways. These are properties that investors chiefly buy as rentals. So just bigger picture, tell us about that overall experience over, say, the last five years, as the pandemic wound down,    Jim Sheils  15:35   yeah, as the pandemic wound down, obviously Florida had a lot of attention. Some of it, rightly so, some of it, I think a little more inflated and commercial attention getting thrown at it. And you know, the type of deals that you and I have always stayed away from were very popular in Florida. You know, we're talking really nice houses. Keith, beautiful, nice HOAs people got in in 2021 let's say, with those very low interest rates on a six or $700,000 home, but now they're realizing that it's not going up $100,000 a year as they thought. And when they try to sell it, well, people trying to buy in $700,000 home, they're not getting that low interest rate. And if these people try to hold it and rent it, well, it doesn't cash flow, so it breaks one of those rules. It's not putting money in people's pockets, taking it out. And so we're seeing there was a large distribution of those types of houses around Florida. And then there were some builders like us that really focused on what was the most needed, and that was workforce housing. Now workforce housing, though, Keith, as you know, a lot of the builders don't want to build it. Why? Let's be straight. It's because the margins are lower right. But as you know, with me and my partner Chris, it was always let's make less margin and do more volume. That was always our model, and that was the area of the market where we felt we could build it right, we could get it financed right, and we could manage it right to hit the five things. And so we're seeing today, post pandemic, there are still key markets where the population growth is still the highest, coming into Florida, the prices are still the lowest, and there is a shortage of this type of workforce housing.   Keith Weinhold  17:11   Yes, you've identified a geography within Florida that have some of these characteristics like you're talking about. Tell us more about that region.   Jim Sheils  17:20   Yeah, we call it the Ocala region, so Central Florida, just west of Orlando. Right now, for example, u haul does their U haul top markets rankings every year? So where are the most U haul trucks going to now, you don't want to be on their side where they're coming from, Keith, because that's obviously the opposite. But for the second year in a row, the greater Ocala area has been the number 1u haul destination place in the country. So there's still a ton of population growth going there. Central Florida, I'm not going to say it sat out the growth during the pandemic that a lot of areas of Florida did, but it was starting at such a low basis with such a small amount of attention that today, even when people say, oh gosh, like I just said, house is 600 700 800,000 we're building new construction single family homes for under 300,000 the 270s a lot of the time. And we're building duplexes sometimes for under 400,000 and a lot of our you know, investors coming from the west coast. Say, are these fully built? Are they? But again, Central Florida has had a great affordability. Remain intact. It has a large population going in. There is a ton of job resource just blowing up in the area. And as you know, these are the things we look for. So we bought a lot of lots there. I'm gonna give credit to my partner, Chris. He saw calla more than I did, and we bought a lot of lots there in 2020 so before all the rises. So we got into the land basis, right? So that means we can build them at a great price. Our land basis is low, and that obviously passes along to our clients. And again, Central Florida is a perfect match for our goal. Because, you know, our goal is workforce housing, that cash flows on day one. But also nothing wrong with fixer uppers. I own a lot. I used to do a lot, but the new construction seems to have a little bit more of a less involvement, which it seems like a lot of our clients want.   Keith Weinhold  19:15   That was really prescient, as it turned out, for your business partner, Chris there to gobble up a lot of that land in 2020 before prices went soaring. And this is one reason why you can do things like offer a duplex for less than 400k That's a new build, which has some people saying like, does that thing include a roof even? But it surely does. These are very good quality livable properties. And the reason I have you here, Jim is because you are rare. There are fewer builders today than there were in decades past, and also those that build to your point earlier. They only want to build higher end properties, not the more affordable ones that you offer. We'll get more details on your price points and what properties. Products you offer later. But yeah, we have more remodelers today and fewer builders. And though it's a few years old, I found it interesting that census statistics show us that between 2007 and 2022 there are 73% more remodelers and 21% fewer builders today.    Jim Sheils  20:22   Interesting. You know, Keith, I didn't know that, and that makes me scratch my head on like when you and I were in Colorado, we were talking about future needs, even with growth that occurred during the pandemic going all the way back to oh eight when a real shortage started to start, we are still at an estimated three to 5 million homes short in the US. It really perplexes me that the amount of builders like us will be going down and not actually entering the market.   Keith Weinhold  20:47   Now, among those that are building, though, much of that is concentrated in the South, as I think we know, there's a recent resi club compilation show that 59% of current single family home building is in the south, and 41% is everywhere else. And how do you define the South? That's basically Maryland down to Florida, all the way out to Texas and Oklahoma. So you are pretty rare in some ways. However, where you're building regionally, that's not a rarity there, but yeah, having more remodelers today and fewer home builders, that's probably the result of a lot of things. You know, for one thing, just land and construction costs becoming that much more expensive over the past five years.   Jim Sheils  21:05    Yeah, we've been lucky, too, as you know, Keith, you've been with us for a decade now. But yeah, and we transitioned a piece of our company where Sumitomo forestry, large Japanese group stepped in and acquired a piece of our property. That was a very exciting thing for all of us together, because we had done well, and, you know, started small and built up to a decent sized builder for Northeast Florida and then the rest of Florida. But now, with Sumitomo coming in again, they build 17,000 homes worldwide every year, between all of their builders. Now being a part of them, we get to use their national material accounts, so they get pricing just as good, if not better, than national home builders, and they let us do our thing, stick to our build to rent, working with investor clients. We're not retail buyer guys, really. We like working with our investors, but just getting those great discounts on materials, again, we're always looking to pass on savings to our clients. Of course, we got to make margins as well, but if we're getting in with deals like that, getting into the land right, and knowing the pinpointed areas to get into, we can get the best deal for everyone. And that's been a major part having such a big, successful partner like Sumitomo keep us healthy, viable and able to do things we could have not even dreamed of five years ago.   Keith Weinhold  22:47   Yes, that gives you more capital and more options. Another unusual aberration in the market that really centers on a lot of what you do is that this fact that and this was mentioned on the show last year for the first time in my life, existing homes cost more than new build homes. Existing homes at about 420k nationally, and new build homes about 392k part of the divergence there is probably builder price cuts. So tell us more about that.    Jim Sheils  23:14   I think the issue Heath is builders built for largest spreads, and people bought very emotionally. I think you're to give you a compliment a very unemotional real estate buyer. You're not looking at, oh, this is a very nice, you know, extra his and hers porcelain sink. And we're looking at fundamental numbers a good, solid property. And I think what's caused a lot of that is people did the opposite. Builders were looking for the largest margin they could get, which was on those types of properties. And then buyers were looking very emotionally, and they were told, Hey, this is going to go up 50 to $100,000 a year. So just sit there and hold on, sure you'll lose $1,500 a month, but don't worry about it. You'll make up for that every year. And obviously we're not seeing that's true. They could have really used your class about the five ways to get paid in real estate. And I think that that's what's doing it. And this is what builders do. I mean, everyone's in a business, and a lot of builders just focus on the largest margin. Now that's eating them up now, because those types of properties are not in demand. To build them on spec would be very dangerous, but you can see that that worked for a short term. We're very glad we went to the low margin workforce housing model, because I see that falling out of favor almost never even in Oh 809, Keith, when I was in the remodel game, a lot of the properties that were new construction coming out that time they were affordable, still did very well.   Keith Weinhold  24:42   We're talking with a premium Florida homebuilder today, because they offer affordable properties that make sense for investors. But what about the demand? Where is that going to come from? Where is that going to be? And that's what's happening with the renter segment. We'll talk more about that when we. Come back. You're listening to get rich Education. I'm your host. Keith Weinhold,   Keith Weinhold  25:03   flock homes helps you retire from real estate and landlording, whether it's one problem, property or your whole portfolio through a 721, exchange, deferring your capital gains tax and depreciation recapture, it's a strategy long used by the ultra wealthy. Now Mom and Pop landlords can 721, the residential real estate request your initial valuation, see if your properties qualify@flockhomes.com slash GRE, that's F, l, O, C, K, homes.com/gre.    Keith Weinhold  25:39   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. 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Start your prequel and even chat with President chailey Ridge personally, while it's on your mind, start at Ridge lending group.com that's Ridge lending group.com   Ken McElroy  27:26   this is Rich Dad advisor, Ken McElroy. Listen to get rich education with Keith whitehold, and don't twitch your Daydream.   Keith Weinhold  27:40   Welcome back to get rich Education. I'm your host. Keith Weinhold, we're talking with Jim a premium Florida homebuilder here at such an interesting time in the cycle, since supply is up in some parts of Florida, Jim and his team has strategically chosen a place that is still fueling a lot of net in migration in Central Florida, and that's where the rental demand needs to come from as well. Now nationally, we've seen the homeownership rate fall over about the past year, from near 66% to near 65% that does not sound like much, but a 1% shift means there are 1.3 million new renters in just the past year. So with that in mind, and the fact that this low affordability for home buying means that people need to rent or stay renters longer, provides some of the Sustainable demand. So tell us more about the rental demand in Central Florida.   Jim Sheils  28:39   Yeah, you know, when we first went out there about a decade ago, Keith, I think it was 82 or 83% of all properties out there were owner occupied, which means it was a very lopsided amount of existing rental property available. And this is before the curve of population growth really took off. But when Chris and I went out there and we were assessing that small percentage of rental property that was out there. Gosh, it was old and kind of beat up. There was not a lot like the new construction that was available. So when we brought in new construction, we saw just the competition. Was hard to compete with us. You know, when it was an older, not so nice taking care of we came in and we saw a jump from, you know, doing older houses ourselves, you know, a person would stay about 13 months. But for the new construction in Central Florida, we've seen a jump to about three years. So that's really positive. People get into a new construction property they don't want to leave, whether that's half of a duplex or a single family. The duplexes are interesting because we're able to build those on infill lots and existing single family home neighborhoods, so a person who doesn't want to live in an apartment can live there, have their own yard, and they couldn't afford the whole single family, but to have half of a single family basically what a duplex is. It makes a big difference, and the people are in great demand of rental in Central Florida there because of exactly why. I said, Keith, the job. Course, continues to grow in Central Florida, extremely strong. The business incentives to come into the area by the local municipality is very, very good. So here's something interesting, Keith, the average salary in Ocala is about 72,000 and the average home price is about 298,000 that is a very healthy affordability one. Yeah, very, very good. And so that job source continues to pay very well. And we've talked about just the logistics centers and the Equestrian Center. That's the largest in the world. Now the villages are just 25 miles south. So Ocala becomes a bedroom community, and that is the second largest retirement community and growing in the US. So there's a lot of job source that allows people to live there at a good affordability. And so that combination of affordability with this extending job source has been really, really good for the Ocala region.   Keith Weinhold  30:59   It's been said that the only place you get money is from other people, and we're talking about your renters in this case. So oftentimes these renters, they had their sense of privacy there, like, for example, do the duplexes even have fenced backyards for each individual side,   Jim Sheils  31:17   depending on where they are? We will. Other times it hasn't been a requirement. We've done lots of surveys to see is it worth the price point to put in full fencing in certain areas. It can be in a lot of areas. Keith, they're just so excited with the price point not having to move into an apartment building that it hasn't even been warranted or necessary.   Keith Weinhold  31:38   Yeah. So we're talking about livability characteristics here, because oftentimes new build rental property results in a higher tenant stay that longer duration, because they're the first person that have ever lived there, and it's also difficult for them to go out and improve their living situation unless they become a home buyer, and that's difficult to do today. Tell us more about the incentives and the property types and so on, because there really are some pretty exciting ones.    Jim Sheils  32:09   One of the best things about Central Florida, Keith, combined with new construction, is insurance costs. Now you and I have laughed about the blanketed statement where you said, oh my goodness, you cannot get insurance in Florida. You can't get property insurance in Florida, or it's doubled, tripled, gone up 7x that is a true statement on certain properties. If you're buying older properties from the 1950s that are within a half mile of the beach on low lying ground, but new construction properties far away from the beach, that is a totally different things. So again, being in Central Florida, where we are, a lot of people think, oh, to insure a single family home there, that's going to be several $100 a month, when actually, you know, and you've seen a lot of our performer quotes, our insurance companies are getting a single family home done for about $65 a month on average, full coverage. And that's the advantage of new construction. Insurance companies are all about risk. They analyze risk. When you're on a new construction property built on higher ground away from the beach, they like that, and they do that a duplex. You're looking at about $100 a month. So incentive wise, we've really searched to team up with great insurance companies that get the best rates full coverage. And again, we surprise people when they say, Oh man, I thought there would be a whole nother zero at that monthly cost. And these are actual quotes, as you know, with working with a lot of GRE people. So that's one great thing, another great thing, Keith, that happened when we joined forces with Sumitomo. And again, Sumitomo 320, years old, one of the biggest powerhouses out of Asia, Warren Buffett, is very heavily invested in another one of the conglomerates, not the housing one we do, but he's very involved in one of their other companies. And when they came aboard, you know, we have no bank debt for a builder, which is rare. And since we have such a healthy balance sheet, we're actually able to work deals with mortgage companies where we'll do what's called builder forward commitments, Keith, and that means we will pre buy mortgages for our clients, for the homes we're building, and we will pass that savings along. So right now, you know, if an investment property in a duplex might be an average of 7% for anyone who walks in off the street to a bank. Right now, our most popular rate program for our investors, for single family or duplexes, is 3.75 Gosh. So as you know, for your five ways, if we want to get cash flow, there's a big difference. Yeah, we're getting affordable housing. But if the rate is over 7% compared to 375 that could eat up the cash flow with us being able to have this power to buy large tranches of money and pass it along and lock our people in again, an average right now at 3.75 is our most popular program, and that's long term money, then we're able to get that cash flow right off the bat. And you and I know how important that is   Keith Weinhold  34:50    for this super attractive 3.75% long term mortgage rate on single family homes and duplexes. How? Much does the buyer have to come out of pocket at the closing table to buy that down themselves? And how much do you the builder participate in that buy down?   Jim Sheils  35:07   You know, it depends Keith at different times, because there is a little bit of a fluctuation. Sometimes it can be as low as zero points or just one origination point to bring it in. It does vary. And also, if people say, hey, I really don't want to bring in any points. Well, that's fine. You know, if you don't want to walk in zero to 2% points for that, you can also just raise your rate up to four and a quarter and probably walk in nothing. So there's different things that we can do, but the goal of it is to have us have the brunt of it. And what I can tell you is, if the average person walked into a bank, and a bank wouldn't do this anyway. It's only for, again, builders with a certain size, but if you went into a bank right now and said, I'd like to buy my rate down to 3.75 the average Keith that this would cost a person off the street going into a bank would be 12 to 15% banks wouldn't even do it for an individual. But that's about the estimates when you look at it. So again, volume has privileged. The fact we're able to buy it down. It does cost us a good amount of money, but we're all able to save since we're kind of working together to buy these larger tranches. And again, the need of any investment for buying down the rate from the clients is very minimal.   Keith Weinhold  36:18   Tell us more about the property types, new build single family homes, new build duplexes.   Jim Sheils  36:23   You know, single family and duplexes are our main focus in 2026 for Central Florida, we've done the research. They're very high in demand. They rent quickly, and they rent long term to produce cash flow. Our average single family home under 300,000 we're aiming to after expense, make about $300 cash flow. Our duplexes should be about twice that amount, about just under $600 a month, or just over in cash flow. And then again, the prices are ranging from about 395, to 420, for a duplex. Again, these are in workforce areas where we're doing great, scattered lots. Scattered lot means there's already existing homes around. We like to go to an area where there's good a fundamental balance of homeowners and renters. So there's retail buyers that have bought their first home, and we will place our rentals in between them, whether it's a single family or a duplex.   Keith Weinhold  37:13   We sure don't need to do a complete audio pro forma here, but those cash flow amounts something near $300 for a single family home, and about double that for a duplex. Is that using, you know, a bought down rate to about 4% and some of these other inputs you're talking about, like low insurance costs and a certain property tax rate, can you tell us about that?    Jim Sheils  37:35   Yeah, property tax rate is property tax rate. We can get pretty dang close on property taxes, you know, based on millage and get that down. But when we do our performers, we absolutely go off of, you know, our average rate to be the 375, to four and a quarter. And then when GRE clients look at our performer, and they look at the insurance cost, that's an actual quote from one of our insurance companies that has insured hundreds and hundreds of these properties. Not a guess, yeah, so they know what they're doing. So yeah, those would be the assumptions made in there, and that's what we're basically getting on a week in, week out basis.    Keith Weinhold  38:09   That is really attractive as we're talking about new build. I imagine there is some sort of builder warranty as well.    Jim Sheils  38:16   There's a state mandated 210 warranty. 210 warranty is something we could talk probably a whole episode on Keith. But for what's good for people to know, basically what that means, you get two years coverage on the small stuff and 10 years coverage on the big structural stuff. And so that's why I like new construction. You know what? I used to personally just buy my own fixer up Return key properties from other people. I could get a one year warranty, and that's the best that really can be done. Now with new construction, we've gone from, you know, with our fixer upper homes, able to do a one year warranty, which is good at something. But now with new construction, we can do a 210 warranty, big difference, and also really helps the safety score of issues if they came up.    Keith Weinhold  38:59   We were talking about new build property, and we tend to project relatively low maintenance and repair costs for an obvious reason, maybe your long term vacancy rate could very well be lower as well, due to my earlier point about a tenant wanting to stay there for a long time, because it's hard for them to improve their living situation unless they went out and bought their own place. And you have the low insurance rates, and you have the low mortgage rates, all contributing to positive cash flow on a new build property. And we think about that tenant and what gets the tenant excited? We start to think about some of those amenities. So tell us about what amenities are offered, including inside, in the kitchen and so on.   Jim Sheils  39:38   Jim, yeah, great question, Keith. We've really gotten a great recipe for success for that. You know, we've been doing this a little over a decade now, and so you're always tweaking your build model. What do people like? What do they not like? What's good for durability? Let's look at maintenance and repairs. Let's look at turn costs. So our goal is always the dual focus. That's what looks good. And what lasts really well, yeah, because you want durability. When you have tenants, you want it to look good, so you sell it down the road, 510, years to a first time homebuyer, it looks great. You can sell it. But durability wise, you don't want a lot of extra expenses or maintenance and repairs. So we go durability. So what we found a couple of things. I always joke about this. I do not like the word carpet, Keith, that is a terrible swear word in real estate investing, I can tell you right now, if I could go back and this is not, you know, owning hundreds of rentals, if I could not have done carpet and just reversed it to like vinyl plank flooring, like we do now, or even tile, which was more, I probably would have been able to buy three or four of our duplexes cash with the amount of money, and that is not an exaggeration. So we do not do carpet. First of all, it seems like trends are changing. It's not in favor right now. So we do vinyl plank flooring, which looks really nice, almost like wood floors, super durable, though, for a young family that's going to be tenant occupied in your property and running around on it. That's great. Kitchen wise, again, we don't sell retail really. We like to work with investors, but down the road, our investor might want to sell to a retail buyer. So we know, you know, from our old fix and flip days of the FHA buyers, the kitchen's got a pop. So we always do, you know, we don't do the white appliances, which you know would save you quite a bit of money, and save us quite a bit of money. We do stainless steel appliances. We do all new cabinetry, you know, kind of the latest, nicer cabinetry, a little bit of an upgrade. And then, you know, butcher block countertops, those are going to wear in about a year or two. Keith, it feels really good to spend that smaller amount, you know. But we, we like to do the more durable, nice looking countertops, you know, that are, you know, just so much more esthetically pleasing and actually durable as well. Same thing in the bathrooms. A lot of new builders will do shower kit, which not a problem if you're saving money on a rehab, you know, but we would rather do tile, bring in the extra subcontractors to give tile, and then in the master we do the dual sinks, which this might sound like little stuff, Keith, but these are the micro movements that help get a tenant in quicker, stay longer and more rent. So we're always trying to do these extra things in the granite countertops, both in the kitchens and in the bathrooms. Those cost more upfront, but we see for long term of tenant we see, for the amount of rent we get, and for resale ability, because a lot of people don't think about that. You know what? In seven years you want to sell one of these properties? Well, it's a seven year old roof, it's seven year old plumbing, you're still in a great spot for an FHA buyer. And that esthetically pleasing flooring, bathrooms, kitchens. That allows an easier sale for them, because we want to look all the way around, not just a rental. I like to hold long term, but if you want to sell in five to 10 years, that's a very valid strategy.    Keith Weinhold  42:48   I like carpet in my own home, but not rentals. But what you're sharing with us, Jim, this is absolute gold that's been brought to you through experience. This over improvement versus under improvement line in rentals, and it really has a lot of balance between durability and price. These are the sort of things that really matter, but you are selling predominantly to individual investors, a lot of mom and pop investors. Why don't you make more sales to the retail, owner occupied market, or to institutional investors, even though that might be cracked down upon now. But why don't you sell to those parties?   Jim Sheils  43:26   Yeah, you know Keith, I did a lot of fix and flip to FHA buyers, and I'm an investor. I really like working with investors. So when this all really went back to is 2009 I had a lot of investors. I was in Northeast Florida. The deal flow was incredible. And I just had a lot of investors, you know, through my different networks and Masterminds, like, where you and I have met, and said, Hey, you're getting great deals in Northeast Florida. Could you help put some together for me? And so I had done quite a few fix and flips to retail buyers, and it just kind of hot on me, you know, way back then, like, Wow. I like working with investors. I like building portfolios. I also like the fact that when I'm normally building a portfolio for an investor, well, they hang out with other investors, and they're not looking to buy one property over the next five years. They're looking to buy five to eight properties over the next five years. great point. And so we just saw it as you gotta like who you work with, right? And nothing against first time homebuyers. But when I was rehabbing houses and selling them, golly, that was a lot of work. And then could be persnickety. Yeah, very persnickety. And so when Chris and I teamed up about 10 years ago, we had both gone through the same kind of aha, like going, Yeah, it seems great, but you could sell for more to a retail buyer. But again, like I go back to even the type of property we build, we'd rather do a volume with investors. Be a builder, buy investors for investors, and work that way. And I think it suits me. I think I would have probably hung up my shoes a long time ago if I was. Working with the amount of properties we've done with retail buyers compared to investors, honestly, and so I think it was just kind of, it was a preference, really, that made sense   Keith Weinhold  45:09   to your point. Investors buy multiple properties, and that way there are fewer parties to deal with. And investors tend to be less emotional than those more persnickety, owner occupied buyers. Well, Jim, you make it easy for investors. Besides all these incentives, you also offer an in house management solution for these investors, often that tend to be out of state. Well, Jim, before I ask you, if you have any closing thoughts, would you the listener like to ask Jim any question directly? Well, you can, because I have a great event to tell you about next Thursday, the 19th, at 8pm eastern Jim here and GRE investment coach, Naresh will co host a live webinar for Central Florida new build income property. In fact, Jim, I think you know Naresh longer than I have, as it turns out, but this event is free, and you the listener are invited. We've had between 250 and 550 registrants for our past webinars. Not all of them attend live. So the benefit of you attending live is that you can have any of your questions answered by either Naresh or Jim in real time, and besides learning about the Central Florida market and more about home building, you are going to see available new build income property, real addresses with some of these rather grand incentives that we've talked about here, you might end up with a long term rate of about 4% again, it is Thursday, the 19th at 8pm Eastern. Sign up is open now at grewebinars.com that's grewebinars.com Any final thoughts here, Jim, for this great event coming up next week?   Jim Sheils  46:52   I think we're going to dig a little deeper. Obviously, this is a conversation that was great, but moves pretty quickly when we talk next week, we're going to be able to dig into more of the fundamentals, some of the stats, and just get underneath the hood of why Central Florida is making so much sense, and just some of the rising stars that we're seeing there that we're very excited to be a part of.   Keith Weinhold  47:13   You've helped our listeners for close to 10 years now. It's been an informative chat as always. Thanks so much for coming back onto the show.    Jim Sheils  47:21   Thanks for having me, Keith.   Keith Weinhold  47:27   Yeah, like our guest touched on Ocala, Florida now has national recognition as the fastest growing city in America, and that's for the second year in a row. According to a new U haul report, Florida is, of course, a rather landlord friendly state. In fact, Florida is the first state to enact a law that allows law enforcement to immediately remove squatters, distinguishing them from legal tenants. Now here's what's interesting and why I've identified this opportunity if Florida prices dipped because people were leaving now, that could be a red flag, because population loss is like gravity. Once it starts falling, it is hard to escape. But that's not what's happening. Instead, what we're seeing is a temporary overbuild hangover. Builders got ambitious. We're in a brief period where supply outran demand and prices softened. That's not decay. That's a sale rack. Any vacant homes are not stranded. They're being absorbed by Florida's still growing population, which has now increased every single decade since its first census count, back in the year 1830 back in 1830 there were about 35,000 residents in the whole state. Isn't that amazing today? North of 24 million, that is 700x population growth in almost 200 years, and it's still growing. That kind of trend doesn't reverse because a few builders over ordered inventory here at GRE this made us target and find in opportunity. This isn't an accident. Central Florida is this year's most compelling. Housing market in that region, Central Florida, is growing faster than the rest of the state at large, and it really sits in the sweet spot of this temporary imbalance. One long established builder overbuilt and now they're motivated. They know what investors want. So, for example, they don't build swimming pools with their homes. They also offer property tours, and over 90% of their tour attendees buy property. They're willing to offer terrific incentives at our upcoming GRE live webinar, like we touched on new build single family rentals, 270k and up duplexes, three. 95 to 420, long term mortgage rates as low as 3.75% you get low insurance rates since they're inland and new build positive cash flow and a builder warranty at the event. You're going to learn all about the growth drivers in Central Florida, why so many renters are moving there and see available properties. This benefits anyone looking for a clear, practical view of current real estate conditions. Joining live does matter, since you can have those questions answered in real time, not after the opportunity has moved on, you are invited for next Thursday, the 19th, at 8p m Eastern. This one is worth circling, not because it's flashy, because it's timed right. Sign up is open now @grewebinars.com that's gre webinars.com. Until next week. I'm your host. Keith Weinhold, don't quit your Daydream.   Speaker 5  51:00   Nothing on this show should be considered specific, personal or professional advice. Please consult an appropriate tax, legal, real estate, financial or business professional for individualized advice. Opinions of guests are their own. Information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of get rich Education LLC, exclusively.   Keith Weinhold  51:29   The preceding program was brought to you by your home for wealth, building, get richeducation.com  

Ready to land commercial pool accounts without racing to the bottom on price? We break down exactly how to win bids with HOAs, apartments, and hotels while protecting your margins, your time, and your sanity. From first contact to long-term retention, this is a step-by-step guide to building a profitable commercial line that doesn't drain your residential route.We start with how decision-making works behind the scenes: HOAs need multiple bids, boards are volunteer-led, and property managers value reliable partners who make their jobs easier. You'll learn why a concise, one-page proposal beats a 20-page packet, how to use SEO and targeted ads to get found for “commercial pool service” in your city, and what to say when you call management companies to be added to their bid lists. We also cover when to cold walk properties, how to read a neglected pool as your opening, and how to present outcomes—uptime, compliance, and clear communication—instead of just tasks.Pricing is where most pros stumble. We explain the headache factor that should be baked into every commercial rate to cover inspections, chemistry logs, access issues, bather load spikes, late payments, and extra visits during heat waves. You'll hear why HOAs are often more stable and faster to approve repairs than apartments, and how to set a hard price floor that keeps you out of unprofitable contracts. We dive into insurance and certifications too: typical two million liability requirements, when CPO is enough, when county certification is mandatory, and smart stopgaps if an inspector demands credentials on short notice.• adding a headache factor to every commercial bid• why HOAs pay more reliably than apartments• how to get in via SEO, Google Ads, and cold calls• using one-page bids for faster board decisions• navigating two million liability limits and certificates• county certification vs CPO and surprise inspections• setting a price floor and when to walk away• balancing visit frequency, capacity, and route design• strategies for blind bidding anSend us a textSupport the Pool Guy Podcast Show Sponsors! HASA https://bit.ly/HASAThe Bottom Feeder. Save $100 with Code: DVB100https://store.thebottomfeeder.com/Try Skimmer FREE for 30 days:https://getskimmer.com/poolguy Get UPA Liability Insurance $64 a month! https://forms.gle/F9YoTWNQ8WnvT4QBAPool Guy Coaching: https://bit.ly/40wFE6y

In this episode of the Green Side Up podcast, Jordan and Jason talk with longtime friend Andrew "Duck Fisherman" Fucarino about his unusual path from family-owned compounding pharmacy to Business Development Manager for Independent Tree Service. Andrew shares how he helped build a niche, cash-pay compounding business (including custom dry eye drops from patients' own blood serum) that was eventually acquired, why burnout pushed him out of healthcare, and how he's now leveraging his Carrollwood network to open doors with HOAs, property managers, and commercial clients. They dig into what real business development looks like in tree care—education, relationships, understanding budgets, and not wasting time on bad-fit work—while mixing in stories about duck hunting, mini-retirement, and reinventing your career in your 40s.

In this video, I want to talk about why most people struggle with follow-through when it comes to their goals.I explain how shifting your focus from the goal itself to the systems you build daily can completely change your results. This approach helps you stay consistent, improve your mindset, and create real accountability in your self-improvement journey.If you enjoyed this video don't forget to like, follow, and share so that you never miss an upload!----0:00 – Why most people fail in 20260:18 – It's not laziness, it's bad systems0:42 – Why goals alone don't work (fitness example)1:00 – Systems vs goals: the real difference1:33 – Learning to embrace discomfort1:56 – Hard choices vs easy choices2:08 – The 1% rule and breaking “all or nothing” thinking2:45 – Consistency beats motivation3:15 – Keep systems simple and sustainable3:24 – 2026 doesn't need a new you3:42 – Trust the system, trust the process3:55 – Atomic Habits mindset4:04 – Call to action & road to 1,000 subs----Keep up with me and the show here:Instagram -   / theymshow  Spotify: https://open.spotify.com/show/5yXSyxU...----

549. Meetings are everywhere—from work and faculty meetings to HOAs and book clubs. But speaking up can feel intimidating, especially if you struggle with social anxiety, perfectionism, or power dynamics. In this episode, we unpack why staying silent feels safer and why it rarely feels good afterward. Then we walk through six practical, low-pressure strategies to help you participate without needing the “perfect” comment. Related episodes:Modern Mentor episode 869 - Make meetings matter: Intentional gatherings for impactFind Dr. Ellen Hendriksen on Substack.Find a transcript here.Have a mental health question? Email us at psychologist@quickanddirtytips.com.Find Savvy Psychologist on Facebook and Twitter, or subscribe to the newsletter for more psychology tips.Savvy Psychologist is a part of Quick and Dirty Tips.Links: https://quickanddirtytips.com/savvy-psychologisthttps://www.facebook.com/savvypsychologisthttps://twitter.com/qdtsavvypsych Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Click Here for the Show Notes In this episode of Passive Real Estate Investing, guest host Melissa Nash sits down with returning guest Steve to break down how investors are making new construction actually cash flow in today's market. Drawing from years of experience across multiple states, Steve dives deep into build-to-rent duplexes, triplexes, and fourplexes—specifically spotlighting a new multifamily development in the Indianapolis (Fort Wayne) area. They unpack why Midwest markets are having a moment, how tax abatements and construction loans can dramatically improve returns, and what investors need to know about risk, cash flow, HOAs, and long-term demand. If you've ever been curious (or nervous) about new construction, this conversation offers a clear, behind-the-scenes look at how experienced teams structure deals to balance returns, risk, and simplicity. If this episode sparked your interest, take the next step. Email us with “Connect me with Steve” in the subject line to learn more about these Indianapolis deals. We'll personally make the introduction and get you connected with Steve and his team. -------------------------------- Download your FREE copy of:  The Ultimate Guide to Passive Real Estate Investing. See our available Turnkey Cash-Flow Rental Properties. SUBSCRIBE on iTunes   If you missed our last episode, be sure to listen to TBT: Ask Marco - How Can I Better Manage My Property Taxes? Our team of Investment Counselors has much more inventory available than what you see on our website.  Contact us today for more deals. -------------------------------------------------------- #LearningRealEstate #AskMarco #PassiveRealEstateInvesting #Turnkeyproperties #RealEstatePodcast #Investment #investors #RealEstateInvestors #RentalProperties #TurnkeyProperties #NoradaRealEstateInvestments

In this episode we talk with Trey Griffy, an HOA insurance specialist. He reveals the behind-the-scenes strategies that took him from struggling producer (he tried to quit 3 times) to building a $1M+ book in a unique niche.Whether you're a new producer in need of motivation, or a seasoned producer looking to sharpen your saw, this episode is for you....

Matt Schaub, former Atlanta Falcons QB, joined The Locker Room and talked about the upcoming Super Bowl, his former Virginia Cav's teammate Ian Cunningham being named GM of the Atlanta Falcons as well as HOAs, dogs in the bed and more Matt Schaub joins The Locker Room every Tuesday at 9a thanks to A-1 Driveway ReplacementSee omnystudio.com/listener for privacy information.

We're all over the place, talking about books, baby birding, HOAs, and secret yearbook messages. See omnystudio.com/listener for privacy information.

The Portland real estate market is waking up, and it doesn't feel like a typical January. In this episode of the Portland Real Estate Podcast, Steve Nassar and Joe Fustolo break down why buyer and seller activity is already showing spring-like momentum, even as closings lag behind the buzz. You'll hear why mortgage rates hovering in the low sixes are quietly restoring buying power, how a one-percent rate drop can feel like a double-digit price cut, and why optimism for March, April, and May is building beneath the surface. Steve and Joe unpack what a "slow and steady" recovery really looks like after three historically weak years for transaction volume and why consistency, not a sudden surge, may define 2026. They also dive into industry stats showing that over 70 percent of licensed agents closed zero deals, what that means for consumers, and why experience matters more than ever in a tightening field. Expect candid talk about the growing divide between healthy residential homes and the ongoing struggles of condos and HOAs, especially in downtown Portland, where high fees, special assessments, and stalled projects continue to reshape buyer behavior. From cash buyers returning to financing, to homeowners loosening their golden handcuffs, to life events that force movement regardless of the market, this conversation connects the data to what people are actually doing right now. If you want a grounded, insider look at where the Portland market truly stands and where it's quietly heading next, this episode delivers the context, clarity, and real-world insight you won't get from headlines alone.   Key Takeaways Early 2026 activity feels unusually strong for January, with listing appointments, buyer interest, and open houses resembling spring conditions even as escrows lag. Mortgage rates in the low sixes are restoring buying power, with a one-percent drop functioning like a 10–12% price reduction from a buyer's perspective. After three historically weak years for transaction volume, 2026 is shaping up as a year of gradual improvement rather than a dramatic rebound. Sellers have largely adjusted expectations following the 2023–2025 correction, helping the market move toward a more balanced absorption rate. Cash buyers dominated recent years, but financing is returning as the gap between ultra-low legacy rates and today's rates narrows. Homeowners once held back by "golden handcuff" rates are beginning to move again due to life changes, downsizing, and mobility needs. Real estate decisions are increasingly driven by necessity rather than speculation, making timing life more important than timing the market. Over 70% of licensed Realtors closed zero transactions, highlighting a widening gap between full-time professionals and part-time or inactive agents. Condos and HOA-driven properties remain high-risk, particularly in downtown Portland, due to rising dues, insurance challenges, special assessments, and urban conditions. Single-family residential homes continue to outperform condos, especially outside the downtown core. The Ritz-Carlton condo project illustrates how pricing, timing, and market sentiment can dramatically affect luxury developments. Oregon Senate Bill 426 raises new concerns by making homeowners jointly liable for unpaid contractor wages, increasing the importance of contractor due diligence. The hosts expect steady improvement through 2026, with consistency, experience, and ethical practices rewarded as the market stabilizes.   Connect with Joe Soldera Properties Joe on LinkedIn   Connect with Steve Steve's Team at Premiere Property Group Steve on LinkedIn   Listen to The Portland Real Estate Podcast on: Apple Podcasts | Spotify  

Today, stand-up comedian and co-host of the Nateland podcast Dusty Slay is joining me in the Tesla to talk about trailer parks, HOAs and what personal finance looks like for a professional comedian.    Next Steps: •

In this episode, Ryan Jenkins and Robert Crow discuss what's happening in the Northern Colorado housing market as we head into spring 2026. From interest rates and inventory trends to inspections, insurance, HOAs, and long-term buyer strategy, this episode covers what buyers and sellers really need to know right now.Plus, a few Fort Collins food and coffee recommendations along the way.00:00 Winter arrives in Fort Collins02:10 Is the Northern Colorado market picking up?03:55 Interest rates drop & buyer activity returns06:20 Inventory growth explained (why housing moves slowly)08:40 Why buyers should start earlier than spring10:55 Fort Collins vs Boulder affordability reality12:05 Price corrections vs a “flat” market14:10 Long-term appreciation in Northern Colorado16:10 Why major housing crashes are unlikely18:15 Water, development & supply constraints21:05 Real examples: homes losing (or holding) value23:40 Best burgers in Fort Collins27:10 Coffee shops & Old Town restaurant talk30:25 Roofs, hail damage & insurance problems33:15 Class 3 vs Class 4 roofs explained35:05 Permits, basements & unpermitted work risks37:45 ADUs, canyon homes & county enforcement40:20 Inspections: what general inspections miss42:55 Sewer scopes, radon & specialty inspections45:30 HOA risks, reserves & special assessments48:15 How to read HOA documents efficiently50:45 Talking to neighbors before buying53:10 Listing homes on holiday weekends55:45 Pricing pressure on sellers & agents58:30 71% of agents did zero deals — why it matters01:01:45 Overpricing homes & buyer psychology01:04:50 Long-term ownership vs short-term fear01:07:40 Glade Reservoir overview01:10:30 Hwy 287 reroute & property impact01:13:15 Future growth, controversy & buyer awareness01:16:00 Final thoughts & wrap-up

Keith Weinhold breaks down how recent presidential housing policies could influence real estate investors and everyday homebuyers.  Then he walks through four different ways to eventually exit your investment properties—including a little-known strategy most investors have never heard of—so you can start thinking about how you'll one day harvest your gains, potentially with minimal or no taxes, while still preserving your wealth and flexibility. Episode Page: GetRichEducation.com/589 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  For predictable 10-12% quarterly returns, visit FreedomFamilyInvestments.com/GRE or text  1-937-795-8989 to speak with a freedom coach Will you please leave a review for the show? I'd be grateful. Search "how to leave an Apple Podcasts review"  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— GREletter.com or text 'GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Keith Weinhold  0:01   Keith, welcome to GRE. I'm your host. Keith Weinhold, the presidential administration has made some weighty decisions that could affect the real estate market for years. Then when it's time for you to sell your investment property, there are some smart ways to do it and some big mistakes to avoid. We're talking about four options for your real estate exit strategy, including the little discussed 721 exchange today on get rich education.   Keith Weinhold  0:32   Since 2014 the powerful get rich education podcast has created more passive income for people than nearly any other show in the world. This show teaches you how to earn strong returns from passive real estate investing in the best markets without losing your time being a flipper or landlord. Show Host Keith Weinhold writes for both Forbes and Rich Dad advisors and delivers a new show every week since 2014 there's been millions of listener downloads of 188 world nations. He has a list show guests and key top selling personal finance author Robert Kiyosaki, get rich education can be heard on every podcast platform, plus it has its own dedicated Apple and Android listener phone apps build wealth on the go with the get rich education podcast. Sign up now for the get rich education podcast, or visit get rich education.com   Russell Gray  1:18   You're listening to the show that has created more financial freedom than nearly any show in the world. This is get rich education.   Keith Weinhold  1:28   Welcome to GRE you're inside one of America's longest running and most listened to shows on real estate investing. This is Get Rich Education. I'm your host. Keith Weinhold, if you're working for the weekend, then you had better examine your Monday to Friday and start investing for leverage in income that's generated today. The good news is that down the road, when it comes time for you to sell your investment property, hopefully, after decades of handsome profits, even if that is years away, there are a lot of good options for you, including multiple ones that are tax deferred and effectively tax free. I'll discuss that later today, what we know, and what history has proven, is that savers lose wealth, stock investors maintain wealth, real estate investors build wealth. And I contend that within the discipline of real estate, being the investor is the best job of all of them, because, look, realtors rarely build wealth. Property managers that don't actually own the real estate, they also rarely build wealth. And the people on your maintenance team, they don't build wealth either. Now, as much as we might appreciate all these service professionals, I mean, I sure do this is not meant to disparage them. I'm trying to help you pick the right lane in real estate. Know that you're doing the right thing. Do the right thing before you do things right. By their own admission, the National Association of Realtors, the NAR they will tell you that the median gross income for a realtor is. Do you want to guess? Any guess as to what the median gross income for a realtor is? It is $58,100. that's it.    Keith Weinhold  3:37   And realize that's the figure being reported by the trade organization that represents the industry too licensed sales agents. Median income that's even lower. It is $41,700 also per the NAR I see myself realtors that have been in business 20 years, 30 years, 40 years, and all that time, they have never bought a single investment property for themselves. Instead, a lot of them spend their entire career helping other people get rich while they never get on the treadmill. But do you know what is even crazier to me, crazier than that, it's the number of people that manage properties, including some of my own property managers that I hire, and they don't own any investment real estate themselves. And I think that's crazy, because managers are doing what is one of the toughest jobs in real estate, always having to walk that tightrope, arbitrating between the property owner and the tenant, and as a result, often pleasing nobody. They're sort of like the football referee, the baseball umpire, the property manager they have to deal with The problem tenant. The manager has to bug the tenant to collect the late rent, and then your maintenance people. You know, I just met up with a contractor that's putting new flooring in one of my rentals. He's got a sense of humor, and he wore this great t shirt that says, I'm here because you broke it. I love that. But now his compensation isn't too shabby, but he's trading his time for dollars, and the income stops when his work stops. The lesson is, be the asset owner.    Keith Weinhold  5:35   Now this presidential administration has shaken up a lot of policies, good or bad we've got a bunch of new directives centered on the housing market. And really, this shouldn't come as any sort of surprise, since be mindful, the current White House occupant is a long time New York City Real Estate Investor, some of the more recent weighty moves that can affect you are banning institutional investors from buying single family homes that they turn into rentals, and the other one is a $200 billion bond purchase program aimed at reducing mortgage rates. Okay, whether those two things happen or not, it's good to look at their effect, how they move a real estate market, because when you understand the effects, then you learn a lesson, even if you're listening to this episode 10 years from now, the move to ban institutional investors. We're talking about conglomerate groups like Blackstone and invitation homes. The move to ban them from buying single family rentals is to try to reduce the demand and therefore, hopefully lower the price of single family homes in order to help affordability. Okay, that could work in concept. But here's the other thing that it does, there would be fewer rentals available on the market, because most institutional investors do buy those build to rent properties, that's what they're looking to acquire. So it's sort of what most any real estate investor would want. They would get higher rents and maybe some somewhat lower purchase prices, or at least a lower appreciation rate. But this whole move to ban institutional investors, that is mostly a nothing burger, that's all we're talking about here. And here's why you cannot undo the institutional purchases that were already made, and a lot of those got made, a lot of them during the pandemic. So it would only be banning new purchases. And another important point to consider here is how small this market is. I think these institutional buyers make a whole lot of outsized noise and often get pointed to as the boogeyman for running up prices of real estate. But that's not true. Only about two to 3% of single family rentals are owned by these giant investors, at least the ones that have over 1000 units. Okay, so this all sounds good as a political platitude. You trying to do something about it? I sort of understand that, but this ban, it just would not move the market very much at all now, perhaps a slight move could be triggered in cities that do have a lot of institutional ownership, like Atlanta, Jacksonville, Charlotte, but really little effect. The second directive from the President is having Fannie Mae and Freddie Mac buy $200 billion worth of mortgage bonds. This is really an effort to drive down mortgage rates and bring down monthly payments and make the cost of home ownership more affordable. The translation here for you is that whenever you inject money into something, money tends to flow more freely and rates get lower, kind of lowering the dam wall height, like I have given to you in other examples, when you buy bonds that demand pushes up bond prices, which lowers bond yields. And mortgage rates are tied to those lowered bond yields. And as soon as this was announced, like the very next day, mortgage rates fell into the high fives, yes, under 6% for the first time in three years. But the last thing effect of this that's been studied, and it's been shown to reduce mortgage rates by about three tenths of 1% so not nothing, but sort of small. However, if they're buying down rates like this one time, well then they might do it multiple times. So there you go. There are two recent directives from the president banning institutional investors from buying single family homes and buying mortgage bonds to lower mortgage rates.    Keith Weinhold  10:00   Either one of them with seismic effects. It's sort of like the 50 year mortgage proposal that the administration made a while ago, and that's probably not going to become a reality anytime soon, if ever. Here's a question that I have for you, and I'll let you answer. Do you like free markets, or would you rather have big government? Well, each of these directives are more government intervention into the free market, whether you like that or not. Another way to say it is that stuff like this makes a lot of splashy headlines, but it's not a bigger deal than a Philadelphia Eagles football game,at least. You know how these forces can move markets now    Keith Weinhold  10:46   straight ahead, it's the concise, definitive audio guide to selling your investment property. I'm going to detail four different ways that you can do it in this guide, including tax deferred and effectively, tax free methods. When you're able to defer taxes over and over again throughout your entire life, they effectively become tax free. You never have any tax obligation. Also, I will discuss one way of selling your property that you're probably not familiar with and you might have never heard about before in your life. I'm Keith Weinhold. You're listening to Episode 589 of get rich education.    Keith Weinhold  11:27   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 or send a text now it's 1-937-795-8989, yep, text their freedom coach, directly. Again. 1-937-795-8989,   Keith Weinhold  12:39   the same place where I get my own mortgage loans is where you can get yours. Ridge lending group and MLS, 42056, they provided our listeners with more loans than anyone because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage, start your pre qual and even chat with President chailey Ridge personally, while it's on your mind, start at Ridge lending group.com that's Ridge lending group.com   Russell Gray  13:12   Hi. This is Russell Gray, Main Street capitalist. You're listening to the get rich education show with Keith weinholden. Remember, don't quit your Daydream.    Keith Weinhold  13:20   You welcome back to get rich Education. I'm your host, Keith Weinhold, and I'm coming to you from Colorado Springs today, where I'm attending the real estate guys create your future goals retreat event, yeah, a goals event allows one to get introspective. One part of it is learning how I can serve you better on this show. Every week, since I do pour a lot of thought into what I share with you here. How much yeah, just, how much did this event mean to me? Well, my team is in the NFL playoffs, and I was willing to miss some playoff football for this.   Speaker 1  14:07    That's inexcusable, inexcusable. Playoffs. Don't talk about playoffs. You kidding me? Playoffs? I just hope we can win a game.   Keith Weinhold  14:19   Yeah, yeah. That is, that is, of course, the classic rant from a former NFL coach, Jim Mora. Maybe Jim needs to attend the goals retreat to put things into perspective here. now, whether it's just a few years from now or it's decades into your future, at some point we're all going to exit the real estate investing game, even if that's not until the day we die. I'll talk about that with whatever endeavor you're in. It is good to begin with. The end In mind. there's a good chance that you're either in real estate acquisition mode now, or you once were. Or where you're going to be in that real estate acquisition mode in the future, but after this accumulation phase of your life, hopefully, which you've turned into financial freedom through real estate, after that, you're going to be in the mode where, since you've already made it, you're going to want to just maintain the portfolio that you have or stop acquiring or you will want to sell eventually. The good news is that there are a lot of good options for selling your property and doing it, tax deferred and effectively tax free. Now I will not talk about selling your primary residence so much, though, this is focused on exiting from your investment property, primary residence sales rules with the IRS is that your first 250k of gain is exempt from capital gains tax if you're single, and your first 500k is shielded from tax if you're married. Quite a marriage incentive there.    Keith Weinhold  15:59   But as we focus on investment properties. This is influenced by a question from one of our older GRE listeners, 62 year old, Mark, who wrote in last year, was such a good question and I answered his question on air last month. I'll basically expand on that answer today. Mark said he has listened to every GRE episode ever, and therefore, congratulations, he made it. He reached financial freedom, and he's got a sizable portfolio. Some of his properties are paid off. Others are leveraged. But see, Mark is hesitant to buy more property because he's already made it his wife doesn't want more properties because she associates it with him having to do more work. Now, when you're still in pursuit of financial freedom, well, you don't mind investing a small slice of your time each month into real estate, a little light management, remotely, maybe, but once your residual income exceeds all of your expenses, well, then at that point, your time is going to start to become more valuable. So let's look at four here, four solid options for exiting your property, and then I'm going to examine the pros and cons of each one. The first of four is simply to sell real estate in the conventional way, just a plain sale to a buyer, where you see that it gets fixed up and you list it and you sell it outright. Well, the pros of this are is that it gets you to your exit, and it also turns your equity into cash. The cons, the downside of doing it this way is that you're going to give up your ongoing stream of income. Your Cash Flow is going to be gone. You might have to remove tenants, depending on your scenario. You have to fix up and stage the home to prepare it for the market. That could be as little as 5k or as much as 50k or more, depending on the size of your real estate, you're going to have to pay a real estate agent a commission of 3% or more and pay capital gains tax of 15% or more. That's one five. And you'll also have to pay depreciation recapture, and of course, you don't have to pay 15% of the total asset value. It's just 15% of the value gain during the time that you held this property, right? So the tax and fix up cost can eat into your profit with this first of four ways to sell your property, although you are still probably in for a pretty nice windfall upon the sale if you've held it for a while. All right, so the first way is a plain sail, and a lot of people would agree that is not the best way to do it. Okay, it gets far better from here. The second sale option that you have is something that a lot of real estate investors like us are familiar with, or have at least heard of, and the general public has not, and that is the 1031 exchange. You'll also hear it be called the 1031 tax deferred Exchange, or the 1031 like kind exchange, because you trade your property up for another property that's kind of like it. It is a hugely powerful wealth building and wealth preservation tool, okay, section 1031, of the IRS tax code that allows an investor to exit a property without incurring any capital gains taxes. That also does not trigger depreciation recapture when you sell your property, but in order for you to get those tax deferred benefits. Importantly, you have to roll your game into another piece of real estate. Now there are a lot of rules and nuances around 1031 ones. I have done multiple 1030 ones in my life, and they are so worth doing and amplifying your wealth, building power I will not cover all the rules and nuances those things like the three properties rule and the 200% rule, and that rule about how you need to identify your replacement property within 45 days and close on it within 180 days, and all of that. Because what I've done is I've completely broken that down on the show with you here previously, and as always, I explained it in the most clear, incoherent way that I could for you. I best did that on episode 143 of get rich education. The name of that episode is your 1031 exchange guide, tax deferral for life. Now, there do get to be some numbers flying around here, so you want to listen closely, you might find yourself skipping back for simple example purposes, in a 1031assume that you bought a $200,000 duplex 20 years ago, and it's now worth 500k you depreciated the value of the duplex every year, as is actually required by the IRS, assuming you took a total of 100k of depreciation over the life of your ownership of it, and you did not make any improvements to it. The basis of your property is then 100k because it's your 200k purchase price, minus 100k in total depreciation write offs. When you sell the property for 500k you now have a gain of 500k minus 100k which is 400k depreciation, recapture and capital gains are not taxed at the same rate, and it depends on some things, but let's assume that your blended tax rate is 20% that means you would owe 20% on your 400k so that would be 80k in taxes if you just did the plain sale. But not many people want to stroke a check to the IRS for 80k so instead, if you take your 400k of gain and roll it into a new property, or properties, you can defer your obligation to pay this 80k. Yes, you do not owe the IRS a thing. Now this is beautiful. You get that tax break virtually nowhere else in the investing world, okay, so what you've now done is that you have exited the property a duplex, in this case, via 1031 exchange, and you've traded it up for another property. So you're still a real estate investor. You have not exited being one of those, but you sold the duplex and replaced it with another property, or properties, all right, that was the second of four sale options, the 1031, exchange, and, yeah, as you can see, there do get to be some numbers flying around, some deep dive learning for you here. And that's why I lightened it up with the Jim Mora clip before we dove in.   Keith Weinhold  22:54   The third way is called refi for life. Now we could almost put an asterisk on this third way, because with a refi for life, it's not a sale of the property at all. What it is is it's really a way for you to sell your equity to a bank yet still retain the property. Therefore, you access capital without triggering any taxes. You get a nice, big windfall payout while you still hold the asset, and it keeps paying you up to five ways at the same time. Yeah, you will also hear this refi for life strategy referred to as other things. Refi till you die, is one way to put it, as equity accumulates, say, every five or 10 years, you just do another cash out refi, enjoy the tax free windfall and keep holding on to the asset that is the same thing. Other names for this repeated series of cash out refis throughout your life that you might hear, which I'm calling refi for life. Those other names are live on leverage, the equity to income strategy, the infinite hold, the generational hold strategy, hold until step up, or you might hear, buy, borrow, never sell. They all mean the same thing. I'm calling it refi for life. Let me give you a simple refi for life. Example, using conservative assumptions, say that today you put a total of 200k down to control $1 million worth of rental property. Your initial loan balance is 800k we'll just say your cash flow is zero. Your property is appreciated 6% per year. After 10 years, your million dollars of property, growing at 6% annually, is worth almost $1.8 million if you refinance a 75% loan to value your new loan, amount is 1.3 5 million you pay off the original 800k loan, that leaves you with raw. 550k of cash out refinance proceeds. Congratulations, you got a windfall, and your 550k is tax, free loan money to you not income, because the IRS says debt is not income, therefore it's not taxed. Yes, and you heard that right. You can do whatever you want with those funds. What you've now done is you pulled out more than two and a half times your original 200k investment. And yes, while you still own the property, you continue to hold this appreciating asset. Tenants keep paying down your debt over time, and inflation keeps working in your favor, all right, and remember, that's only what you did at the 10 year mark. You are not done. It just keeps getting better. Fast forward five more years to the 15 year mark, at 6% appreciation continuing your original Million Dollar Portfolio is now worth about $2.4 million at 75% loan to value that property supports total debt of roughly $1.8 million at this point, your existing loan balance from the prior refinance, it's still that 1.3 5 million so you pay it off with a new loan. This allows you to extract an additional 450k of tax free cash. So add it up. This means at the 10 year mark, you got 550k and then here, at the 15 year mark, you got another 450k across your two refinances combined, you have now pull out a cool million dollars in tax free loan proceeds. That's nearly $1 million of liquid, usable capital from an original 200k investment that you made 15 years ago, without you ever selling the property. You still own. What's worth now $2.4 million worth of property, you've got the million liquid and you still have not triggered any tax at all. So at this stage, you can just live off your million dollars of refinance proceeds, or you can choose to reinvest it into new assets. Or you can selectively pay down your debt to increase your cash flow, or you can simply hold and let inflation continue shrinking the real value of your loans, and let inflation continue to make your properties go up in price, then down the road when you eventually die, your heirs receive a step up in basis largely eliminating capital gains tax. That is just amazing. That is refi for life in plain English. So that is the third of four exit strategies that I'm sharing with you here today. And understand there are a few caveats here. I only went to the 15 year mark, you can keep doing it every five years. Beyond that, it just keeps getting better as leverage compounds the value of what you own. Now I kept it simple for learning purposes in an audio format with you here, you're probably going to have even more equity than those numbers I gave you because I didn't even include the principal pay down that your tenants make for you.    Keith Weinhold  28:26   And let's discuss a few more pros and cons of this refi for life plan. The pros are that you've borrowed, and you've done that with perhaps a home equity line of credit, home equity loan or a second mortgage, you borrowed against the property in perpetuity and get tax free cash. Interest paid on the amount borrowed is tax deductible too. If you don't have enough tax advantages, there's also that you've got zero property sale, transaction friction or risk, you pass along the value of your home or portfolio to heirs on a stepped up basis. What that means, in essence, is when you pass away your depreciation recapture and your capital gains are wiped out, that's what a stepped up basis means. Okay, those were the pros, the cons, the downsides of doing this, and there aren't very many, but it's that it does not get you out of property ownership while you're still alive. If that's what you're looking for, your property cash flow gets reduced when you do a refi because you have a new debt service obligation. However, you've also got incremental rent increases throughout time that could offset that. And the other thing is, think about your heirs. Sometimes heirs find it challenging to divide homes among themselves, so your heirs need to be pretty well educated on related real estate and tax principles. So those are the cons of refi for Life. We're talking about four distinct access strategies for your investment real estate today on get rich education podcast episode 589 I'm your host, Keith Weinhold    Keith Weinhold  30:09   and the fourth way, the least understood and least utilized way, is known as the 721 exchange. And I want to thank a different GRE listener named Nate in California in his acquire to retire blog. It's worth checking out. I want to thank Nate for his contribution here. Nate heard the GRE episode last year about 62 year old. Listener Mark's desire to sell, and that's what got Nate to write in about the 721 exchange, yes, just like the 1031 exchange is named for that particular section of the IRS tax code, it's just the same with the 721 and of all four methods we're discussing today, it's the only one of the four that I have not done myself. So I have studied it how the 721 exchange works is that say you have a case where you're a rental property owner and you realize that you just don't want the hassles of landlording, but you like the financial benefit that the ownership gives you. What you can do is sell your home to a partnership and receive shares in that partnership. The 721 exchange rules stipulate that this is not a taxable event, and therefore no capital gains tax or depreciation recapture are due. Now that you're an owner in the partnership, you still get the benefits of owning the property, like appreciation and cash flow and such, and you get these benefits across a greater number of properties in markets diversification, because you are a fractional owner in the other properties that are in the partnership, not only your own. And when you eventually pass away, your shares are stepped up in basis and can be distributed equally to heirs. And see it is surely easier to divide shares among, say, four children than it is to divide your 31 rental houses among four children, because your four children are all going to have different goals and varying degrees of financial savvy. So the 721 exchange really is a great estate planning tool as well. So you will have this partnership that makes an offer to buy your property. Section 721, of the IRS Code allows a property owner to contribute real estate to a partnership in exchange for partnership units. And of course, you are going to need to learn how to vet the partnership. Now let's look at some of the pros and cons of this. The upside the pros are that it gets you out of being a direct property owner, if that's just something down the road that you don't want to do anymore. No more repair requests or HOAs, property tax bills, insurance bills, vacancies or property improvements. And of course, the hedge against that, I favor using a property manager to take care of that for me, but that is a different topic. But in any case, you also defer paying capital gains tax and depreciation recapture by rolling your equity into a qualified real estate fund. Some more upsides of the 721 are that you get shares in the real estate fund that offers you continued cash flow and possible appreciation. There's often no need for you to pay to fix up or stage the property for sale, no agent commissions to pay. You diversify your risk across multiple markets and properties you get to contribute to, and you sort of become part of a like minded community of real estate investors, and you peripherally stay attached to your real estate, even though you're no longer the direct owner of it. Now, of course, being a direct owner of real estate is where you get both the profits and the control, but again, after a decade, or even 50 Years of direct ownership, you're just choosing to be done with that phase. So the 721 is a permanent solution. There's no sort of next decision, stress or risk. It is done. It is solved. But like I said, the shares are easy to divide among heirs compared to a portfolio of homes. All right, how about the cons the negative of a 721 exchange? Well, you're going to forfeit the ability to borrow against your asset, the refi for life plan that I talked about in the third way you can sell your property. Also you're going to have to pay some onboarding fees or some management fees to the partnership, and you're going to lose future 1031 exchange availability. And that is it. That is the 721 exchange. Again, I want to thank GRE listener, Nate from California, for reaching out to the show, and he's got a great blog. That's what got me to study the 721 exchange some more. This can happen with an up rate. You've probably heard of a REIT before, really.   Keith Weinhold  35:00   Estate Investment Trust and upreet, up r, e, i, t, that is in umbrella partnership. REIT, as investors, we acquire and hold real estate for the long term because it provides those real estate pays five ways, benefits of appreciation, cash flow, ROA, tax benefits and inflation profiting. But as you begin with the end in mind, it's going to be aware of your options so that you can optimize that inevitable exit of yours down the row. To summarize what you've learned so far on this segment of the show is that there are four viable exit strategies for real estate investors, the straight sale, the 1031, tax deferred exchange, refi for life, which isn't a sale at all. It's a series of cash out refis, and finally, the 721 exchange, where you sell to a partnership, all with their various pros and cons. So some really good options for you. You can look up Ridge lending group, if you want to do a cash out refi on your investment property, they're very well versed in how to do those things. That was the third strategy, the refi for life. What do I personally recommend that you do? Well, I don't know your situation, but I can just tell you what I do myself, and that is generally, if I like a property, I keep doing the refi for life thing, continued cash out refinances, and I just keep holding onto the property and enjoying that tax free cash. That's if I like a property. If I don't like a property, I will be more likely to 1031 exchange it up into something larger, and when I'm older and done being a direct real estate investor, that's time. I'll probably take a close look at a 721, exchange and see if it's right for me at that time. How can you learn more about these four exit strategies and what professional parties might you want to use to help facilitate it? Well, it is the same place that you get free coaching from us, and it's also the same place where you find just the right next investment property so that you're going to have something to sell in future decades. That is it gre investmentcoach.com that's free consultation with our coaches at greinvestmentcoach.com   Keith Weinhold  37:19   I'm Keith Weinhold, thanks for being here, but you weren't here for me. You were here for you. Don't quit your Daydream.   Speaker 1  37:29   Nothing on this show should be considered specific, personal or professional advice. Please consult an appropriate tax, legal, real estate, financial or business professional for individualized advice. Opinions of guests are their own. Information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of get rich Education LLC, exclusively.   Keith Weinhold  37:57   The preceding program was brought to you by your home for wealth building, get richeducation.com you.  

Hosts Regan Brown and Brad Bacome, Certified Community Manager at The Manor, sit down with Lisa Turner, President and CEO of Silverleaf Management Group, to discuss how shifting the narrative around homeowners associations can highlight community wellness, positive initiatives, and the value HOAs bring to the communities they serve.

Marc Cox opens the Friday show with college football chatter before hammering Democrats for refusing to hold criminals accountable, citing protests in Portland after ICE officers shot two Venezuelan gang suspects. He slams Oregon's governor and Minnesota's Tim Walz for blaming Trump and fueling civil unrest, then praises JD Vance's sharp media handling. The hour rolls into “Kim on a Whim,” where Kim breaks down Trump's push to block corporate homebuyers in a bid to ease the housing crisis—sparking debate about free markets, affordability, and HOAs. The team closes with former MLB pitcher John Rocker's viral daycare confrontation, tying it to concerns about immigration, fraud, and lax enforcement. #MarcCoxShow #Politics #Accountability #Trump #HousingCrisis #JoshHawley #JohnRocker #LawAndOrder

In this episode of Green Side Up, Jason and Jordan sit down with Ryan Hudson, General Manager of Baker Commercial Landscaping – Tampa, for a candid, funny look at what it really takes to run a serious commercial landscape operation. Ryan shares his journey from mowing for his dad's company Bushmaster Landscape Maintenance as a kid, to grinding through a 10‑year business degree, to managing an 80-person Tampa branch within a 300-employee, two-branch company. They break down how Baker structures its teams (from crews to ops managers to department heads and the GM), the constant tension between sales and production, and how Ryan often plays "cut man" between Trey Rolquin's big sales vision and the operations crews. The conversation hits on Baker's work in Tampa's Water Street district—rooftop landscapes, tricky access, parking tickets, right-of-way drama, and slow-paying big clients—plus the real economics of palm tree trimming and why it often serves as a loss leader to win better work. Ryan also explains how relationship-driven networking (BOMA, CAI, etc.) and a diversified mix of offices, HOAs, condos, shopping centers, and hotels helped them survive COVID. Mixed in are plenty of stories—from trimming at a nudist resort to 3 a.m. bucket-truck work downtown. If you're in landscaping or tree work and want real-world insight on scaling commercial maintenance without racing to the bottom, this one's for you.

The calm of a backyard pool and the chaos of a hotel deck look similar from the waterline—but they run on different rules. We pull back the curtain on why commercial water turns volatile under heavy bather load, how chlorine gets consumed faster than you can pour it, and what it really takes to keep guests safe and inspectors satisfied. From oxidation priorities to daily logs, this is a candid look at the work behind a compliant, open-for-business pool.We talk through the core chemistry differences between residential and commercial service, showing how algae and bacteria drive decisions at home while bather waste dominates in public settings. You'll hear why limited testing once a week works in a backyard but fails in a busy facility, and how ORP and pH automation provide continuous control and defensible data. We unpack the strengths and gaps of CPO training, where facility operations meet code, and where deeper chemistry knowledge fills the holes—covering sanitizer behavior, breakpoint chlorination, combined chlorine, and the pH leverage you need to keep water stable.Then we get practical about business realities: interacting with health inspectors, documenting everything, handling fecal incidents, and responding to late-night calls that can decide whether a pool stays open. We weigh insurance requirements, true pricing for time and risk, and why mixing dozens of residential stops with a few commercial accounts can strain your schedule and cash flow. If you're thinking about adding hotels, apartments, or HOAs, you'll leave with a clearer view of the workload, the liability, and the systems that make it sustainable.• core chemistry goals in residential vs commercial pools  • limits of CPO for deep chemistry and where it helps  • daily testing, logs, and inspector expectations  • using ORP and pH automation for control and proof  • fecal incident response, uptime pressure, and liability  • pricing for risk, insurance needs, and hassle factor  • choosing a business model and on‑site operator support  • why advSend us a textSupport the Pool Guy Podcast Show Sponsors! HASA https://bit.ly/HASAThe Bottom Feeder. Save $100 with Code: DVB100https://store.thebottomfeeder.com/Try Skimmer FREE for 30 days:https://getskimmer.com/poolguy Get UPA Liability Insurance $64 a month! https://forms.gle/F9YoTWNQ8WnvT4QBAPool Guy Coaching: https://bit.ly/40wFE6y

2025 was such an interesting year for Orlando. From a massive new theme park opening, new projects announced and an interesting economic shift. We'll dive into some of the highlights for 2025 and talk about thoughts going into 2026.

What if the secret to scaling your painting business isn't expanding to more cities, but dominating smaller pockets within your current market?Jesse Tarrin sits down with Wayne Scherger, co-founder of CertaPro Painters and 45-year painting industry veteran, to discuss the counterintuitive strategies that built the world's largest painting company—and how independent painting contractors can use these same principles today.Wayne shares how he went from painting 550 houses in a 2,800-home territory to scaling to $2M+ in revenue in just one year using territory managers (without traditional franchising).Key Topics:The "territory manager" model and how to implement it in your businessWhy targeting smaller geographic areas makes marketing, sales, AND production easierThe ROTOR framework: A proven system for recruiting, onboarding, training, and retaining top talentHow to break into light commercial work (condos, HOAs) for recurring revenueTime management and batching strategies that eliminate wasted drive timeWhat to look for when hiring leaders vs. paintersThe Community Association Institute (CAI) strategy for landing commercial accountsWhether you're a solo operator looking to hire your first employee or a $2M+ business ready to scale to the next level, Wayne's hard-won wisdom from building businesses in both the pre-digital and modern era will give you a clear roadmap forward.About Wayne Scherger:Wayne is a dual US-Canadian citizen who started with College Pro Painters in 1981, co-founded CertaPro Painters in the early 1990s (now the world's largest painting franchise), and currently coaches painting business owners on leadership, scaling, and operations.

The Suburban Prepper Suburban preppers live in the in-between: not off-grid, not downtown, but right where most emergencies actually hit. In this episode, we break down the real advantages of suburbia—access to supplies, easier home security, and a built-in neighborhood network—along with the challenges of HOAs, low privacy, and relying on fragile city infrastructure. It's all about prepping quietly, smartly, and using the “middle ground” to your advantage. Sponsors: BattlBox – 15% off your first box: Survive.BattlBox.com/CasualPreppers LMNT – Free sample pack with any purchase: DrinkLMNT.com/CasualPreppers ReadyPlan by MAD Gear – Organize your emergency plans: (Search “ReadyPlan by MAD Gear” in your app store)

From botched contracts and disappearing due-diligence periods to HOAs in meltdown mode, attic surprises, appraisals swinging nearly half a million apart, and a lender fiasco that needed county intervention—2025 delivered twist after twist. This episode breaks down the year's most chaotic and eye-opening moments in Upstate real estate, showing what really happens when deals unravel and the market refuses to cooperate. As always, if you have any questions or comments (or, of course, need a realtor), feel free to reach out to Stan McCune directly by phone/text at (973) 479-1267 or by email at smccune@cdanjoyner.com

Beginning in the 1960s, homeowners' associations have exploded in popularity across the United States. This is not to say that anyone would describe their own homeowners' associations as popular. The nightmare stories of busybody neighbors enforcing ridiculously specific regulations are legendary. But despite their reputation for domestic tyranny, every year more and more people fight for the honor of purchasing homes inside of HOAs. The reason is simple — the HOA has become the only way to artificially recreate something that we have lost, a high-trust society. Follow on: Apple: https://podcasts.apple.com/us/podcast/the-auron-macintyre-show/id1657770114 Spotify: https://open.spotify.com/show/3S6z4LBs8Fi7COupy7YYuM?si=4d9662cb34d148af Substack: https://auronmacintyre.substack.com/ Twitter: https://twitter.com/AuronMacintyre Gab: https://gab.com/AuronMacIntyre YouTube:https://www.youtube.com/c/AuronMacIntyre Rumble: https://rumble.com/c/c-390155 Odysee: https://odysee.com/@AuronMacIntyre:f Instagram: https://www.instagram.com/auronmacintyre/ Learn more about your ad choices. Visit megaphone.fm/adchoices

Get behind the scenes at Equip Expo with this lively episode recorded in the Super Lawn Truck Studios! Mike and Chad, from Not Our Finest Hour Podcast, join the crew to share stories about growing their landscaping businesses, managing teams, and handling unique challenges like workplace vices, taxes, and HOAs. Dive into real-world discussion on hardscaping, new tech like AI estimating tools, and the power of podcasting for industry networking. Full of industry insights, laughs, and authentic advice for business owners—tune in for a fun and honest conversation among landscaping pros. Important Links:   IG- @thelandscapedaddy, @paver_king, @iamahardscaper, @notourfinesthourpodcast   Podcast- How to Hardscape and Not Our Finest Hour   Connect with Jason and Jordan:

Send us a textIn this special year-end episode, host Donna DiMaggio Berger and producer Claude Jennings cut through the noise and reveal the real shifts that changed how community associations operate—from high-stakes legal challenges to the everyday pressures managers and volunteer directors face on the ground. This isn't just a recap. It's a reality check.Donna and Claude revisit their most talked-about conversations of the year, including:Building a company worth selling — insights from a top property management leader on culture, systems, and long-game strategy.A former Florida Condominium Ombudsman who demystified what meaningful government support should look like.A Shark Tank founder whose flood-ready product offers communities a rare gift: storm prep that actually works.They also spotlight two sleeper-hit episodes that delivered outsized value:A pest control strategist explaining modern, low-toxicity treatments and how understanding pest behavior can save buildings money, time, and disruption.An etiquette expert who reframed neighbor conflict as a communication skill—not a personality flaw—and showed how diplomacy, positive intent, and smart email habits can avert half your headaches.A guest who revealed the common gaps in most communities' screening and security protocols and how to address them.One of the year's most sobering discussions came from immigration attorney Ira Kurzban, who explained why every association needs a well-defined ICE response protocol—long before it's needed. And yes, Donna and Claude revisit the throughline in almost every episode: Artificial Intelligence. Is the guest's industry going to be impacted by AI, what can AI do well, what it can't, and why “AI wrote it” is not a substitute for human judgment.If your community is ready to shift from reactive crisis management to proactive prevention, this 2025 wrap-up pulls together the year's most powerful lessons into clear, actionable takeaways you can put to work immediately—whether you're a board member, manager, or industry professional.Related Links:Firm Bio: Donna DiMaggio BergerPodcast: Take It To The Board's 100th Episode Milestone— From Building Castle Group to Industry Icon: A Conversation with James DonnellyPodcast: Important Insights from Florida's Former Condominium OmbudsmanPodcast: Storm-Ready in Seconds: How Shark Tank's StormBag Is Changing Hurricane and Severe Weather PrepPodcast: Monsters In The Walls — Pest Control Truths for Condos and HOAsPodcast: Mind Your Manners: Restoring Respect in Condo, Cooperative and HOA CommunitiesPodcast: Screening Vendors and Service People for Enhanced Security

No cannabis for veterans? :: Dave Ridley calls about AI doom and offers solutions :: Paul calls about Ukraine/Russia - recommends book: "what's our problem" :: Marjorie Taylor Greene resigns :: Sarah from NM calls about inspiring voters :: different flavors of communism :: Skeeter calls about HOAs - can't define his terms :: Trump Ukraine deal :: Eugenist origins of Zionism :: Edward calls about the war on drugs :: 2025-11-22 Hosts: Stu, Riley O Bill

No cannabis for veterans? :: Dave Ridley calls about AI doom and offers solutions :: Paul calls about Ukraine/Russia - recommends book: "what's our problem" :: Marjorie Taylor Greene resigns :: Sarah from NM calls about inspiring voters :: different flavors of communism :: Skeeter calls about HOAs - can't define his terms :: Trump Ukraine deal :: Eugenist origins of Zionism :: Edward calls about the war on drugs :: 2025-11-22 Hosts: Stu, Riley O Bill

Forecasts only matter when they help you make better moves. We lay out a clear-eyed view of the 2026 pool season: modest 2–3% industry growth, a slowdown in new builds, and a steady shift toward service demand—especially across apartments, HOAs, and townhome communities where shared pools are now standard amenities. If you've wondered whether to raise rates, chase commercial accounts, or lean into software, this conversation connects the dots with straightforward guidance you can use.We unpack why service remains resilient even in a flat economy: convenience, safety, and complex equipment keep homeowners outsourcing. At the same time, AI is compressing some white-collar job markets and nudging more people into the trades, which means more competition without a surge in backyard pools. That's your cue to prioritize commercial accounts, tighten operations, and adopt simple tech that trims windshield time and improves documentation. Expect incremental product improvements—not breakthroughs—and plan for equipment and chemical prices that rarely roll back once they rise.You'll hear a practical plan for communicating price increases, using data from last year's costs to set fair, sustainable rates. We cover regulatory currents—from single-speed pump restrictions to shifting 1099 employment rules—and how to adapt without drama. Along the way, we spotlight tools like modern routing and service apps that streamline reporting, build client trust, and strengthen proposals for upgrades. The message is steady and actionable: protect margins, seek reliable commercial revenue, and use technology to deliver consistent, transparent service.If this helped you get your 2026 plan in shape, subscribe, share the show with another pool pro, and leave a quick review to help others find it. Got questions or want the price increase template? Email David at swimmingpoollearning.com and let's dial in your strategy.We share a grounded forecast for the 2026 pool season, from modest industry growth and rising input costs to the emerging edge in commercial accounts andSend us a textSupport the Pool Guy Podcast Show Sponsors! HASA https://bit.ly/HASAThe Bottom Feeder. Save $100 with Code: DVB100https://store.thebottomfeeder.com/Try Skimmer FREE for 30 days:https://getskimmer.com/poolguy Get UPA Liability Insurance $64 a month! https://forms.gle/F9YoTWNQ8WnvT4QBAPool Guy Coaching: https://bit.ly/40wFE6y

Susan Leahy, MA, CSP is a dynamic and inspiring speaker, trainer, and coach with over 20 years of experience transforming leaders and boardrooms. As the founder of Robert's Rules Made Simple, she has trained and coached more than 10,000 board members and meeting chairs across North America, giving them the skills and confidence to run healthy, effective, and engaging meetings.Susan's passion for this work is deeply personal. After watching her mother serve five years on a dysfunctional city government board, she saw how toxic meetings don't just waste time—they drain health, energy, and life. While she doesn't believe that experience caused her mother's cancer, she knows it didn't help. That realization fuels her mission: using Robert's Rules not just as a productivity tool, but as a pathway to healthier, more respectful, and more human meeting dynamics.A Certified Speaking Professional and founding member of the Association of Transformational Leaders, Susan brings humor, heart, and practical strategies to every stage. Her message is simple yet profound: Time is life, and your life matters—stop wasting it in poorly run meetings.Download Episode TranscriptEpisode HighlightsMeet Susan Leahy: Susan shares her unique background growing up with a mother who was a professional clown (yes, really!), and how that early exposure to creativity and joy impacted her approach to life and her business today.Origin Story: Susan recounts how, as a teenager, she joined her mother at a junior college class on Robert's Rules of Order—her first introduction to meeting management that would later shape her career.What Are Robert's Rules of Order?Susan explains the history behind Robert's Rules, why General Henry M. Robert wrote a parliamentary procedure handbook in 1876, and how it became the gold standard for running board and organizational meetings.She discusses how these rules can help bring order, civility, and effectiveness to meetings of all sizes—whether for large organizations, small nonprofits, HOAs, or even family discussions.Modernizing a Classic: Susan reveals how she brings energy, fun, and modern relevance to the (traditionally dry) topic of Robert's Rules—making the process more accessible, less intimidating, and empowering for today's leaders.From Boardroom to Bedroom: The conversation takes a fascinating turn as Susan talks about how the principles of structure, order, and intention can also be applied to personal relationships—including marriage. She notes that having structure actually frees people up to communicate better and have more fun.Practical Wisdom:How understanding just seven fundamental motions can help anyone feel more confident in running or participating in meetings.The importance of having an agenda, setting intention, and valuing everyone's time and life.Why structure in meetings and relationships creates more “rhythm” and less chaos.Empowering Leaders: Susan shares stories from her 20+ years in this field, including helping boards resolve conflict before turning to lawyers, and how simple changes in meeting dynamics can make a world of difference.Decision-making in the Age of AI: Both Liz and Susan discuss the irreplaceable human element of group decisions and why, despite advances in technology, real conversations and choices should remain a uniquely human process.Resources and How to Work with Susan: Whether for your board, your business, or your personal life, Susan offers online programs and coaching to help you “chair a meeting with confidence” and create healthier dynamics—everywhere.Links MentionedVisit robertsrulesmadesimple.com for Susan's online training programs on meeting management and parliamentary procedure.For personal/couples coaching and resources: susanleahy.comKey TakeawayEffective meetings (and relationships!) thrive on clear structure, intention, and respect for everyone's time—because “time equals life.” By learning even the basics of Robert's Rules and bringing purposeful energy into your gatherings, you can create healthier, happier environments at work and at home.Connect with Susan:robertsrulesmadesimple.comsusanleahy.com Hosted on Acast. See acast.com/privacy for more information.

===== MDJ Script/ Top Stories for November 14th Publish Date:  November 14th    Commercial: From the BG AD Group Studio, Welcome to the Marietta Daily Journal Podcast.    Today is Friday, November 14th and Happy Birthday to Alec John Such I’m Keith Ippolito and here are the stories Cobb is talking about, presented by Times Journal GHC has highest enrollment growth among state colleges Cobb Sheriff’s Lt. Col. Dewayne Morris laid to rest after lifetime of public service Cobb’s proposed stormwater fee receives mild criticism Plus, Leah McGrath from Ingles Markets on pesticides All of this and more is coming up on the Marietta Daily Journal Podcast, and if you are looking for community news, we encourage you to listen and subscribe!  BREAK: MATCH MAGIC GIVEATHON STORY 1: GHC has highest enrollment growth among state colleges  Georgia Highlands College is on a roll. Over the past three years, enrollment has jumped 23%, now nearing 6,000 students—a record-breaking pace that’s earned GHC top honors from the USG Board of Regents for the fastest growth among state colleges. “This growth shows how deeply connected we are to the communities we serve,” said President Mike Hobbs. “As Northwest Georgia grows, we’re here to prepare graduates for meaningful careers and help businesses thrive.” Statewide, the University System of Georgia hit an all-time high this fall with 382,142 students, driven by a surge in in-state enrollment. Ready to join? Apply by January at apply.highlands.edu. STORY 2: Cobb Sheriff’s Lt. Col. Dewayne Morris laid to rest after lifetime of public service  Dewayne Morris, a man who lived and breathed public service, was laid to rest Tuesday after passing on Nov. 7 at the age of 63. A lieutenant colonel with the Cobb Sheriff’s Office and a retired sergeant from Cobb County Police, Morris dedicated his life to law enforcement. From his early days at Powder Springs PD to his decades with Cobb Police—where he earned two Meritorious Service medals—he was known for his leadership, grit, and heart. But Dewayne wasn’t just a cop. He loved fast cars, Diet Mountain Dew, Little Debbies, and cheering for the Braves and Hawks. He never met a stranger. A true hero. STORY 3: Cobb’s proposed stormwater fee receives mild criticism  Cobb County’s proposed $4.75 monthly stormwater fee is back on the table, but this time, the backlash is quieter—at least for now. Last year, the idea sparked packed meetings and fiery opposition. This week? A handful of speakers, mostly supportive or cautiously critical. The fee would nearly double the stormwater budget, funding overdue repairs, new equipment, and even regional detention projects. Homeowners would pay $4.75 a month, while businesses, churches, and schools would be charged based on impervious surfaces. Critics still call it a “tax,” and some HOAs argue they’re being double-billed. A final vote is set for Nov. 20. We have opportunities for sponsors to get great engagement on these shows. Call 770.799.6810 for more info.  We’ll be right back. Break: STRAND THEATRE STORY 4: Peer-led mental health center coming to Marietta’s First Presbyterian A new drop-in mental health center is set to open at First Presbyterian Church near Marietta Square, offering something rare: a space for connection, not just treatment. Run by NAMI Cobb, the center will focus on peer-led therapy—think group activities, coffee chats, and one-on-one support with trained specialists who’ve been there. “It’s about community,” said Neill Blake, NAMI Cobb’s programs director. “Sometimes, just coffee and conversation can be life-changing.” Opening early next year, the free center will feature art therapy, games, meditation, and more. For those battling isolation, it’s a lifeline. “Loneliness makes everything worse,” Blake added. “This could save lives.” STORY 5: OUT AND ABOUT: 5 things to do this weekend in Cobb County — Nov. 14 - 16 Atlanta Opera: ‘La Traviata’ This weekend’s your last chance to catch Verdi’s La Traviata at Cobb Energy Performing Arts Centre. Performances are Friday at 7:30 p.m. and Sunday at 3:30 p.m. It’s sung in Italian (don’t worry, there are subtitles) and runs about 2.5 hours. Tickets start at $35—grab yours at atlantaopera.org. World of Illumination: Candy Rush Six Flags White Water in Marietta transforms into a glowing wonderland starting Friday! The World of Illumination’s Candy Rush drive-thru features gingerbread villages, sugar plum fairies, and more. Open select nights through Jan. 4, 6–10 p.m. Tickets: $39–$49. Details at their website. ‘Sanders Family Christmas’ at The Strand The Strand Theatre’s Sanders Family Christmas continues this weekend. Expect music, laughs, and a little inspiration with Pastor Oglethorpe and the Sanders Family. Shows: Friday/Saturday at 3 & 8 p.m., Sunday at 3 p.m. Tickets: $41–$54. Big Shanty Bazaar Step into the Renaissance this Saturday at Kennesaw’s Art Station! From 10 a.m. to 4 p.m., enjoy artisans, live music, axe throwing, archery, and even pony rides. Free admission, plus early visitors snag commemorative gifts. NFC Fight Night at The Battery Ready for some action? Live MMA fights hit The Battery Atlanta this Friday. Doors open at 6 p.m., fights start at 7. Check the Battery’s website for details. And now here is Leah McGrath from Ingles Markets on pesticides We’ll have closing comments after this. Break: Ingles Markets 8 Signoff-   Thanks again for hanging out with us on today’s Marietta Daily Journal Podcast. If you enjoy these shows, we encourage you to check out our other offerings, like the Cherokee Tribune Ledger Podcast, the Marietta Daily Journal, or the Community Podcast for Rockdale Newton and Morgan Counties. Read more about all our stories and get other great content at mdjonline.com Did you know over 50% of Americans listen to podcasts weekly? Giving you important news about our community and telling great stories are what we do. Make sure you join us for our next episode and be sure to share this podcast on social media with your friends and family. Add us to your Alexa Flash Briefing or your Google Home Briefing and be sure to like, follow, and subscribe wherever you get your podcasts. Produced by the BG Podcast Network Show Sponsors: www.ingles-markets.com Strand Marietta – Earl and Rachel Smith Strand Theatre Cobb Foundation | Nonprofit Empowerment and Collective Giving in Cobb Cobb See omnystudio.com/listener for privacy information.

Freedom Friday rolls on with Brian McDaniel, Kathryn Johnson, and Grace Keating in studio. Jon and Brian are shocked by the ladies not knowing Eddie Murphy, very questionable opinions on HOAs, and the return of the "Gone Green Update."

Freedom Friday rolls on with Brian McDaniel, Kathryn Johnson, and Grace Keating in studio. Jon and Brian are shocked by the ladies not knowing Eddie Murphy, very questionable opinions on HOAs, and the return of the "Gone Green Update."See omnystudio.com/listener for privacy information.

00:00:00 – Bigfoot eyewitness teases, bathroom-stall numbers, and intro/housekeeping banter 00:04:13 – Alex Jones "clips of the week": lizard venom, family-show swearing, and the Gatorade & Snickers gas-station monologue 00:12:34 – New Jeffrey Epstein–Michael Wolff emails, "blackmail Trump into political debt," and the Sherlock "dog that didn't bark" angle 00:22:21 – Only three pages from 23,000 Epstein documents, Congress blocking full release, and speculation about CIA/Mossad ties and Israel–Mongolia deals 00:30:54 – Clinton Foundation "corruption files," Pam Bondi/Kash Patel narrative, and the idea of tit-for-tat leaks with the Epstein story 00:35:42 – USC study says podcasts are too white and male; hosts rip apart the stats, top-100 lists, and the urge to "cast" podcasting like TV 00:44:45 – More on the diversity report: gender breakdown of hosts and guests, confusing percentages, bar charts, and whether women even want to podcast 00:59:17 – British woman claims she's an alien "starseed" from the Pleiades, here to help humans reach their highest selves 01:06:58 – Playing "light language" starseed audio, reviewing a wild Nordic-abduction pamphlet with space battles and Q/Space Force lore, and warnings about psychic vampires and spiritual grifters 01:16:49 – Russian man allegedly stages a fake carjacking so he doesn't have to go shopping with his wife, now facing prison for a bogus police report 01:21:35 – Florida Air Force base families told to remove early Christmas decorations; lease rules, HOAs, and joking that premature decorators are undercover Russian spies 01:26:34 – Woman clocked at 107 mph racing her Kia to Little Caesars before closing, plus courtroom pizza-defense strategies and last-slice ethics 01:35:06 – Target's "Ten-Four" smile-and-greet program, forced friendliness, and imagining narc-style managers tracking who grins within ten feet 01:40:02 – Pittsburgh "balls-out" nude bowling night: towels, BYOB, inclusive rules, couch-sitting horror stories, and calls for on-the-ground reports 01:49:45 – Guinness record guy snaps 65 cucumbers in 30 seconds on Spanish TV, claims it's about STEM outreach, and the hosts question whether vegetable-smashing is science 01:54:45 – Florida "Terminator" criminal steals an SUV, hides in a porta-potty, bursts out naked with wooden stakes at cops, and the show rolls into goofy Terminator riffs, plugs, and final sign-off   Copyright Disclaimer Under Section 107 of the Copyright Act 1976, allowance is made for "fair use" for purposes such as criticism, comment, news reporting, teaching, scholarship, and research ▀▄▀▄▀ CONTACT LINKS ▀▄▀▄▀ ► Website: http://obdmpod.com ► Twitch: https://www.twitch.tv/obdmpod ► Full Videos at Odysee: https://odysee.com/@obdm:0 ► Twitter: https://twitter.com/obdmpod ► Instagram: obdmpod ► Email: ourbigdumbmouth at gmail ► RSS: http://ourbigdumbmouth.libsyn.com/rss ► iTunes: https://itunes.apple.com/us/podcast/our-big-dumb-mouth/id261189509?mt=2  

Today on the Woody and Wilcox Show: Stretch Lab stretched out the show yesterday; Veteran's Day and specials; Pilot addresses passengers before flight; Honda Civic recall; Michael Jackson is the first person to have a top ten hit in six different decades; Woody is going to cancel You Tube TV; Hemp stops the government from reopening; HOAs determine when you can put up Christmas decorations; Garlic makes men's under arms more attractive; And more!

In a recent report by 2-10 Home Buyers Warranty, this is what people had to say about HOAs:  47% of people are dissatisfied with their HOA 54% have had negative experiences with their HOA 55% of HOAs have rules the average homeowner doesn't agree with 63% of homeowners in an HOA wouldn't recommend living under one 

In this episode of The Pool Guy Podcast Show, I share how I've landed new accounts through networking with builders, realtors, and HOAs. These groups already have the trust of homeowners — and if you position yourself the right way, they can become your biggest referral sources. I'll break down my personal approach. I'll also give you some practical tips for building and keeping those relationships strong. If you're tired of chasing random leads and want a smarter way to grow your pool business, this episode is for you.Send us a textSupport the Pool Guy Podcast Show Sponsors! HASA https://bit.ly/HASAThe Bottom Feeder. Save $100 with Code: DVB100https://bit.ly/THEBOTTOMFEEDERTry Skimmer FREE for 30 days:https://getskimmer.com/poolguy Get UPA Liability Insurance $64 a month! https://forms.gle/F9YoTWNQ8WnvT4QBAPool Guy Coaching: https://bit.ly/40wFE6y Thanks for listening, and I hope you find the Podcast helpful! For other free resources to further help you:Visit my Website: https://www.swimmingpoollearning.comWatch on YouTube: https://www.youtube.com/@SPLPodcast Site: https://the-pool-guy-podcast-show.onpodium.com/ UPA General Liability Insurance Application: https://forms.gle/F9YoTWNQ8WnvT4QBA Pool Guy Coaching Group Join an exclusive network of Pool Service Technicians to access the industry's leading commercial general liability insurance program. Protect your business. Premium is $64 per month per member (additional $40 for employees and ICs) $59 per month for Pool Guy coaching Members - join here! https://www.patreon.com/poolguycoaching Limits are $1,000,000 in occurrence and $2,000,000 in the aggregate - Per member limits [ $1,000,000 per occurrence and $4,000,000 aggregate available for $75 per month ] $50,000 in HazMat Coverage - clean up on-site or over-the-road Acid Wash Coverage - Full Limits

SPONSOR: PATRIOT MOBILEAs America’s ONLY Christian conservative wireless provider, Patriot Mobile offers a way to vote with your wallet, without compromising on quality or convenience. Patriot Mobile isn’t just about providing exceptional cellphone service—it’s a call to action to defend our rights and freedoms.With Patriot Mobile, you’ll get outstanding nationwide coverage because they operate on ALL THREE major networks. If you have cellphone service today, you can get cellphone service with Patriot Mobile, with a coverage guarantee.Right now, go to https://patriotmobile.com/RICK or call 972-PATRIOT and get a FREE MONTH of service with promo code RICK. Switch to Patriot Mobile today and defend freedom with every call and text you make. Visit https://patriotmobile.com/RICK or call 972-PATRIOT!See omnystudio.com/listener for privacy information.