Podcasts about Horton

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. There's real world security backed by needs based real estate like affordable housing, Senior Living and health care. Ask about the freedom flagship program when you speak to a freedom coach there, and that's just one part of their family of products, they've got workshops, webinars and seminars designed to educate you before you invest. Start with as little as 25k and finally, get your money working as hard as you do. Get started at Freedom, family investments.com/gre, or send a text now it's 1-937-795-8989, yep, text their freedom coach directly. Again, 1-937-795-8989,   Keith Weinhold  26:51   the same place where I get my own mortgage loans is where you can get yours. Ridge lending group and MLS, 42056, they provided our listeners with more loans than anyone because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage. Start your prequel and even chat with President chailey Ridge personally, while it's on your mind, start at Ridge lending group.com that's Ridge lending group.com   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  

In this Smart Real Estate Coach master's class, I'm bringing back Brandon Cobb, founder of FBG Capital and host of Recession Resistant Real Estate Radio, to walk you through one of the most powerful and least taught niches in the business: entitling land for national homebuilders and turning dirt into 6–7 figure paydays.     Brandon shares how getting fired from his dream medical device job pushed him into entrepreneurship, why your W-2 is actually your biggest risk, and how he built a land development model where Wall Street-backed builders like Lennar, Pulte, D.R. Horton and others line up to buy his approved projects. We break down his three-phase entitlement process, why he never buys land until approvals are in place, what a typical 15-month entitlement timeline and $500K+ profit deal looks like, and who his Learn Land Development mastermind is actually for (hint: not brand-new investors or "no money down" thinkers).    If you've been looking for a way to do bigger deals without swinging hammers yourself, this episode will open your eyes to a niche that works in every real estate asset class.   Key Talking Points of the Episode   00:00 Introduction 01:31 Recession Resistant Real Estate Radio 02:24 From dream job to "accidental entrepreneur" 03:35 Lessons from losing his dream job 04:51 Fast-forward: from hustling to large land deals with national builders 06:05 Why you can't rely on a single employer anymore 07:01 The opportunity in selling land to big developers 08:25 The "fastest-growing secret" niche in real estate 11:20 Working on a minimum of 50 units per project 12:50 Phase 1: Learn what the city wants & target the right land 14:05 Phase 2: Contract & entitlements (contingent on approvals) 16:18 Phase 3: Negotiate the best possible deal with your end buyer 17:36 Concept plan: aligning the city and the builder before spending big money 18:21 Resources: Skool community + training + coaching 19:01 Training Section #1: Land Development Blueprint 19:25 Training Section #2: Capital Raising Machine 19:46 Training Section #3: Weekly group coaching calls & in-person project walks 20:25 Land entitlement: Not an entry-level, no-money-down program 22:00 3 main exit paths for entitled land 24:22 Free course: LearnLandDevelopment.com   Quotables   "Nobody was going to look out for my financial well-being but me."   "We never buy anything. That's rule number one: do not buy it until all the approvals are in place."   "This is not a no-money-down, do-your-first-real-estate deal. This is for experienced investors who are ready to do bigger deals."   Links   Land Development Accelerator https://learnlanddevelopment.com/   Recession Resistant Real Estate Radio https://open.spotify.com/show/5tuCHd862XmOCviWocPt9o   Episode 498: $20M Annual Developer Success Secrets with Brandon Cobb https://smartrealestatecoachpodcast.libsyn.com/episode-498-20m-annual-developer-success-secrets-with-brandon-cobb   QLS 4.0 - Use coupon code for 50% off https://smartrealestatecoach.com/qls Coupon code: pod   Apprentice Program https://3paydaysapprentice.com Coupon code: Podcast   Masterclass https://smartrealestatecoach.com/masterspodcast   3 Paydays Books https://3paydaysbooks.com/podcast   Strategy Session https://smartrealestatecoach.com/actionpodcast   Partners https://smartrealestatecoach.com/podcastresources

Jome built a marketplace for new construction homes by solving a transparency problem most people don't know exists: the vast majority of new builds never appear on Zillow, Redfin, or traditional MLS systems. In this episode of BUILDERS, I sat down with Dan Hnatkovskyy, CEO and Co-Founder of Jome, to unpack how he identified a massive category gap during Austin's pandemic housing boom and scaled from scraping builder websites to partnering with 1,700+ builders including 92 of the top 100. Dan shares the specific market moments that unlocked builder partnerships, how he discovered Google's separate product category for new construction, and why early LLM traffic became a meaningful acquisition channel. Topics Discussed: Why IDX feeds and MLS requirements systematically exclude new construction inventory The three market inflection points that accelerated builder partnerships from 500 to 1,500+ in 12 months How Google's separate new construction product category created an arbitrage opportunity against brand-focused builders The manual MVP: Typeform + text message delivery before building any real product Why the mortgage rate lock-in effect (50%+ of mortgages under 3.5% vs 6-7% prevailing rates) compounds the housing shortage Accidentally discovering ChatGPT and Perplexity were driving closed transactions through analytics instrumentation The decision to optimize entirely for buyers despite builders being the sole revenue source GTM Lessons For B2B Founders: Map structural exclusions in existing distribution systems: New construction homes can't enter MLS because they often lack finished addresses, real images, or completed properties—requirements designed for resale homes. This structural incompatibility created a $400B+ blind spot. Dan didn't just find underserved customers; he identified a category systematically locked out of dominant distribution. B2B founders should analyze whether incumbent platforms have structural requirements that exclude segments of the market, not just underserve them. Exploit paid search category mismatches between buyer intent and seller behavior: Dan discovered Google maintains separate product categories for new construction versus resale homes. Zillow and Redfin competed intensely in resale, but new construction was dominated by individual builders (Lennar, DR Horton) who assumed brand-driven intent—similar to car manufacturers. The reality: buyers search "new construction homes in Austin," not "Lennar homes." This category/behavior mismatch created immediate arbitrage. B2B founders should audit whether buyers search by problem/outcome while incumbents bid on brand terms, creating white space for aggregators. Time enterprise outreach to industry stress events, not product readiness: Jome scaled from 500 to 1,500 builders in one year by capitalizing on three specific moments: (1) pandemic demand surge when builders needed millennial/Gen Z reach, (2) 2022 quantitative tightening when builders feared demand collapse, (3) Zillow's 2023 policy change excluding builders with under 10 communities. Dan didn't wait for product-market fit—he mapped when prospects would be most receptive to any solution. B2B founders should create a calendar of industry stress events (regulatory changes, market corrections, competitor policy shifts) and time outreach to these windows regardless of product maturity. Instrument conversion funnels to detect emergent channels before consensus forms: Jome discovered meaningful lead volume and closed transactions from ChatGPT and Perplexity through analytics, not strategy. Only after seeing the data did they experiment with what Dan calls "reinforcement learning with LLMs"—promoting positive results to train the models. This wasn't about SEO or prompt engineering; it was about measurement infrastructure that surfaced signal before the channel was obvious. B2B founders should track referral sources at the closed deal level, not just top-of-funnel, to catch emerging platforms while unit economics are still favorable. Manually deliver value at zero margin before building product: Before any integrations or platform, Jome ran Google Ads to a Typeform, manually created searches in their agent-facing tool, and texted results to buyers. Dan's framework: "Start with manually creating value...and then step by step, improve it, automate it, make it more efficient." He launched this on a personal credit card and got immediate signal. B2B founders should resist the urge to build scalable product until they've proven someone will pay for (or convert on) manual delivery of the outcome. Optimize for the non-paying side when you're building a two-sided marketplace: Despite 100% of revenue coming from builder commissions, every product decision optimizes for buyer experience. Dan's logic: "If we want to bring value to the builders...we need to start with the buyers. We need to create the best possible home buying journey." This isn't idealism—it's recognition that in transaction-based models, buyer liquidity determines builder participation. B2B founders in marketplace businesses must identify which side is supply-constrained and build obsessively for the other side. // Sponsors: Front Lines — We help B2B tech companies launch, manage, and grow podcasts that drive demand, awareness, and thought leadership. www.FrontLines.io The Global Talent Co. — We help tech startups find, vet, hire, pay, and retain amazing marketing talent that costs 50-70% less than the US & Europe. www.GlobalTalent.co // Don't Miss: New Podcast Series — How I Hire Senior GTM leaders share the tactical hiring frameworks they use to build winning revenue teams. Hosted by Andy Mowat, who scaled 4 unicorns from $10M to $100M+ ARR and launched Whispered to help executives find their next role. Subscribe here: https://open.spotify.com/show/53yCHlPfLSMFimtv0riPyM

Can AI actually help end war, or is that just a nice idea?In this episode, Shane Ray Martin sits down with Simon Horton, author of The End of Conflict: How AI Will End War and Help Us Get On Better. Simon has spent 20 years teaching negotiation and conflict resolution across 25 countries, including work with major banks and the British Army.What you'll hear in this episodeWhy Simon believes AI can help end war The Libya story: AI-supported public dialogue, live on TV, and what changed afterWhy deliberative tech may become normal in government and big decisionsWhere Shane sees the biggest opportunities: AI for negotiation and misinformationWhat PeaceTech founders should build if they want adoption inside real workflowsSimon also gets super honest. He does not fully trust Big Tech, and he explains why power and incentives matter. Shane shares his take too, and why PeaceTech founders have a unique shot to build profit-driven companies led by people who actually care about peace.Grab a copy of Simon's book: theendofconflict.ai/buy-the-book

The sermon centers on the enduring relevance of God's law, not as a set of rigid rules to be mechanically followed, but as a living expression of divine principles that remain applicable for believers today. It argues that Jesus did not abolish the law but fulfilled it by perfecting its purpose, thereby enabling believers to live out its moral and spiritual essence through the power of the Holy Spirit. Drawing from Genesis, the New Testament, and practical examples, the message emphasizes that Christians are called to be 'law fulfillers' not for salvation, but to reflect God's character in everyday life—through family, stewardship, and faithful witness. The year's theme, 'on earth as it is in heaven,' is framed as a call to embody God's kingdom on earth by living as lights in a dark world, fulfilling the original mandate to be fruitful, subdue creation, and glorify God in all things.

Are you struggling with addiction? Are you in need of redemption and radical healing from your past to break free? In our heartfelt conversation, special guest Mindy Horton shares her "From Sin to Surrender" God Story about her transformational radical healing from being homeless and addiction.    Mindy is a former addict that celebrates 12 years of being clean and 9 years of sobriety through God's grace. She has a master's degree in Healthcare Administration and serves as a healthcare leader. She also leads with her church and serves as Connections and Women's Ministry leader.   Mindy shares her journey of addiction struggle and...   The Full Episode Goes Live on January 28! 

Horton Records has been a home for what president Brian Horton estimated to be more than 150 different artist releases. But he has always thought the label's goal was not just to release music, but have music connect the community.That's the plan for this weekend's Horton Fest, celebrating 20 years since the label began. Over the weekend, Horton Fest will bring together Tulsa musicians and others Horton considers friends of the scene.In this episode, he talks about how they've made it 20 years as an independent label that only releases Oklahoma music, the evolution of the Tulsa music scene and what he hopes the future looks like.

Another Ryan Walters policy gets shot down by the State Board of Education.The Cattlemen's Association rescinds its endorsement of a gubernatorial candidate.A festival this weekend celebrates a Tulsa record company and the artists it's promoted.You can find the KOSU Daily wherever you get your podcasts, you can also subscribe, rate us and leave a comment.You can keep up to date on all the latest news throughout the day at KOSU.org and make sure to follow us on Facebook, Tik Tok and Instagram at KOSU Radio.This is The KOSU Daily, Oklahoma news, every weekday.

Curious how to drink less alcohol, but still make your drinks fun?  Join me in this episode for a refreshing conversation with mocktail expert and holistic nutritionist Blair Horton, who's on a mission to transform your drinks into a feel-good ritual of self-care. We dive into her new book, Everyday Elixirs, packed with thoughtfully crafted, seasonal, and functional recipes for mocktails and other beverages. Think immunity-boosting citrus, digestion-loving botanicals, anti-inflammatory herbs, and flavors so good you won't miss the booze! Blair's philosophy is simple: wellness should be joyful, accessible, and delicious. She walks us through how swapping or reducing alcohol doesn't have to feel like deprivation—it can actually feel like an upgrade.  Whether you're winding down after a long day, hosting friends, or proactively supporting your health, Blair shows how a thoughtfully made mocktail can help you feel like the best version of you.  Tune in here! Blair Horton Blair Horton is a holistic nutritionist, natural chef, and author of the new book: Everyday Elixirs. Her love for nourishing the body met her desire to create drinks that feel special. What started as a simple idea for beautiful, alcohol-free options grew into a collection of 80 vibrant mocktail and wellness beverage recipes in her book. She continues to inspire others to choose natural, blood-sugar-balancing beverages to aid in health and longevity, all while feeling (and tasting!) good.  IN THIS EPISODE Blair's inspiration behind her new book, Everyday Elixirs Easy, fast, and fun mocktails to whip up anytime of year  Creative and tasty matcha drinks  Leaning into the seasons and getting creative with ingredients  Dedicating certain drinks to certain times of the day  Best bedtime drinks to promote restful sleep  Choosing and creating blood-sugar-balancing mocktails  Educating your kids on healthy drinks with real ingredients  Trying out new mocktails and hosting mocktail parties How to create healthier mocktails & even enjoy them out to eat! QUOTES“Anytime you're getting some extra liquid, it's going to be hydrating. And I love to put a pinch of salt in pretty much all of them to bring out the flavor, but also to help our bodies take in the water.”  “If your blood sugar isn't balanced, your mental health is not going to be great… that's very important to me; keeping the drinks lower in sugar.” “I'm always focusing on how we add in the good versus focusing on taking out the bad.” RESOURCES MENTIONED Order my new book: The Perimenopause Revolution https://peri-revolution.com/ ⁠Join my 7-Day Hormone & Metabolism Jumpstart HERE! https://go.drmariza.com/lp/metabolism-jumpstart/ Blair's book: Everyday Elixirs Blair on Instagram Check out my Blood Sugar-Friendly Mocktail Recipes HERE! RELATED EPISODES  713: What Alcohol Really Does to Women's Hormones, Sleep, and Metabolism #619: The Impact of Alcohol on Women's Health, From Hormones to Cancer #548: The Loaded Truth Behind Mom Wine Culture and the False Need to Wine Down with Celeste Yvonne #345: To Drink Or Not To Drink? Why Drinking as We Get Older Is Hard on Our Hormones #712: Why Lifestyle Medicine Is Mitochondrial Medicine (And What That Means for Your Energy, Metabolism & Longevity)

In this episode of The Managing Partners Podcast, Kevin Daisey sits down with Nick Mendez, co-founder of Horton & Mendez, to break down how intentional culture-building can become a law firm's greatest competitive advantage. Nick shares how his firm scaled from a tiny office share during COVID to a statewide powerhouse with a $38 million jury verdict—all while building systems that attract, retain, and develop top legal talent. They dive deep into the seven critical needs every employee has, how to define core values that actually work, and why law firm owners must stop hiring “mercenaries” and start building teams of missionaries. If you're struggling with hiring, retention, or internal alignment at your firm, this episode provides a clear roadmap for sustainable growth. Today's episode is sponsored by The Managing Partners Mastermind. Click here to schedule an interview to see if we're a fit. Chapters (00:00:00) - The Managing Partners Podcast(00:02:14) - Can You Tell More About Your Law Firm?(00:07:29) - How to Build a Strong Partnerial Partnership(00:10:53) - 7 critical things employees need to know about their firm(00:11:43) - The Chick Fil A Law Firm Values(00:15:16) - 7 Critical Needs of Employees for EOS(00:19:09) - Hiring the Right People for the Core Values(00:24:30) - What Makes a Law Firm So Well-Off?(00:27:40) - Six Rules for Protecting Your Culture(00:31:34) - Fractional HR: Paying the Right People(00:33:26) - 7 critical needs for employees at your firm

In this episode, Maggie Williams sits down with her longtime friend Buck Horton to talk about their time at Arkansas State, their collegiate involvement with Ducks Unlimited, and the paths their lives have taken since. Buck shares his background as a trapper, how he got started, and why trapping continues to shape the way he hunts and views conservation. As a law student, Buck also gives listeners insight into how he balances a full-time job, his studies, and a life filled with hunting and trapping. The two dive into fur-bearing animals in Arkansas, trapping tactics, and what really matters on the trapline. They also walk through a full day of trapping together, what setups worked, and the lessons learned along the way.The conversation moves into bowhunting, bowfishing, discipline in the outdoors, and a turkey hunting story that nearly cost Buck his life!Find our host Maggie at:TikTok: https://www.tiktok.com/@themaggiewilliams?lang=enInstagram: https://www.instagram.com/themaggiewilliams/Facebook: https://www.facebook.com/themaggiewilliamspodcast/YouTube: https://www.youtube.com/channel/UCnJHqUBdfgnFLc3P87r88VwFind Buck Horton: Facebook: https://www.facebook.com/share/1DCuQWBbRt/?mibextid=wwXIfrTikTok: https://www.tiktok.com/@thebuckhorton?_r=1&_t=ZP-93De4NDWNv5Instagram: https://www.instagram.com/thebuckhorton/?hl=enYouTube: https://youtube.com/@thebuckhorton?si=KfUC1RJJDLrFthjS

It's one thing to be healed, yet another to walk in the divine health that Jesus secured for you.  If we want to take practical steps to develop and maintain our physical health, we should focus on three main areas: our spirit, soul, and body. Resources: Stay connected with the new Victory Church app Discover more on our website: victorychurchraleigh.com Subscribe to our Weekly Podcast!

Being a Millionaire Ain’t What It Used to Be Episode 367 – It wasn't that long ago that Regis Philbin drew massive viewers with his TV program Who Wants to be a Millionaire. Never mind the fact that the top prize was $1 million before taxes, which is considerably less than $1 million after taxes. But in today's economy, being a millionaire does not necessarily project the same status it once did. Or does it? More SML Planning Minute Podcast Episodes Transcript of Podcast Episode 367 Hello, this is Bill Rainaldi, with another edition of Security Mutual's SML Planning Minute. In today's episode, being a millionaire ain’t what it used to be. It wasn't that long ago that Regis Philbin drew massive viewers with his TV program Who Wants to Be a Millionaire. Never mind the fact that the top prize was $1 million before taxes, which is considerably less than $1 million after taxes. And while it's much more noticeable today, even during Y2K, being a millionaire did not give the same status that it once did. Yet it's an achievement many of us are shooting for. According to a new study, almost half of all workers (48 percent) have set $1 million as their retirement benchmark. That number was only 37 percent in 2024. But people aren't necessarily optimistic about reaching that milestone. In fact, a mere 27 percent actually expect to get there.[1] Another recent study provides more information on this. An analysis of government survey data done by Bloomberg indicates that there are more than 24 million millionaire households, or almost one in five. But a lot of that wealth is sealed into 401(k)s, IRAs and home equity, none of which is easily accessible. This is especially true for households in the lower end of the millionaire spectrum, with a net worth between $1 million and $2 million, which on average, have 66 percent of their wealth locked into these types of assets.[2] It’s important not to minimize what so many people have accomplished. $1 million is a great emotional milestone. And it's still a lot of money. The median household net worth is considerably less: about $193,000.[3] But nowadays, you might not be able to live off $1 million. It could end up lasting you a long time, but it all depends on where you live (which you can control), your health and longevity (which you might not be able to control), and how much you spend on things like housing, health care and other expenses. Every situation is different, of course. The cost of living varies widely throughout the United States. According to research by Forbes magazine, the average cost of living, defined as “housing costs, transportation, health care, food and income taxes,” is the highest in Hawaii at $55,491. Mississippi comes in the lowest with an average of $32,336. Of course, this is just for the essentials. The figures don't include entertainment, travel or anything else.[4] When it comes to longevity, average life expectancy has some quirks to it. For one thing, each year you age, your remaining life expectancy goes down, but not by a full year. This is a statistical oddity due to the fact that you're still here, but a few of your peers are not. For example, if you are a male age 60, your remaining life expectancy is 23.3 years, or to age 83.3. But if you make it to age 65, your new life expectancy is 19.3 years, or to age 84.3.[5] There are gender differences as well. For people age 65, females, on average, outlive males by approximately 2.7 years.[6] These are all just averages, of course. But the resulting life expectancies are often longer than people might anticipate. Here's another unique statistic: For a married couple age 60, there is approximately a 60 percent chance that at least one of the two will live past age 90.[7] That may or may not be you, but the longer you expect to live, the more concerned you will be about whether your $1 million is enough. How long will it last, and will you still be around when it runs out? Here are three hypotheticals compiled by SmartAsset. In the first one, assume you start with $1 million and get a 6 percent return. Also assume you are in a 24 percent tax bracket and you spend $5,000 per month. In that scenario, your $1 million should last you 30 years. But in the second scenario, assuming your return goes down to 5 percent, the well would run dry in 26 years. In the third scenario, your return goes up to 7 percent. But your tax bracket is also higher: 32 percent, and your withdrawal goes up to $6,000 per month. With those assumptions, your savings would only last 23 years.[8] Keep in mind that these examples do not include other sources of income such as Social Security. The maximum amount of Social Security you can collect is $5,181[9] per month before tax and Medicare charges, but that assumes you paid in the maximum and collect at age 70, which less than 10 percent of people do.[10] The average benefit is approximately $1,959 per month.[11] But when it comes to retirement income, the one huge advantage Social Security has is that it is indexed for inflation, although the Cost of Living Adjustment (or COLA) increases don't always keep up. So, how much you can accumulate for retirement is important, but it's not everything. Perhaps some of us are focusing on the wrong thing. Maybe it's just as important to have an income plan as it is to have an accumulation plan.[12] In other words, no matter how much you save, it's still only the first half of the journey. [1] Randall, Steve. “Nearly half of workers peg retirement target at $1M as anxiety climbs.” Investmentnews.com. https://www.investmentnews.com/retirement-planning/nearly-half-of-workers-peg-retirement-target-at-1m-as-anxiety-climbs/263546 (accessed December 15, 2025). [2] Steverman, Ben, Tartar, Andre and Davidson, Stephanie. “America Is Minting Lots Of Cash-Strapped Millionaires.” Fa-mag.com. https://www.fa-mag.com/news/america-is-minting-lots-of-cash-strapped-millionaires-84395.html (accessed December 12, 2025). [3] Kane, Libby. “The net worth it takes at every age to be richer than most people you know.” Businessinsider.com https://www.businessinsider.com/net-worth-data-american-wealth-age-2025-4 (accessed December 12, 2025). [4] Rothstein, Robin. “Examining The Cost Of Living By State.” Forbes.com. https://www.forbes.com/advisor/mortgages/cost-of-living-by-state/ (accessed December 15, 2025). [5] Social Security Administration. “Retirement & Survivors Benefits: Life Expectancy Calculator.” Ssa.gov. https://www.ssa.gov/OACT/population/longevity.html (accessed December 15, 2025). [6] The Global Statistics. “Life Expectancy by Age in the US 2025 | Stats & Facts.” Theglobalstatistics.com. https://www.theglobalstatistics.com/life-expectancy-by-age/ (accessed December 15, 2025). [7] Social Security Administration. “Longevity Visualizer.” SSA.gov. https://www.ssa.gov/policy/tools/longevity-visualizer/index.html (accessed December 15, 2025). [8] Smartasset.com. “Is $1M Enough to Retire Comfortably in 2025? Replace Guesswork With a Fiduciary-Built Plan.” Insights.smartasset.com. https://insights.smartasset.com/sem/how-long-will-1m-last-in-retirement?utm (accessed December 15, 2025). [9] Social Security Administration. “Worker with steady earnings at the maximum level since age 22.” Ssa.gov. https://www.ssa.gov/OACT/COLA/examplemax.html (accessed December 15, 2025). [10] Royal, James. “What age do most Americans take Social Security?” Bankrate.com. https://www.bankrate.com/retirement/when-do-most-americans-take-social-security/ (accessed December 15, 2025). [11] Horton, Cassidy. “What's the average Social Security check in Dec. 2025?” Aol.com. https://www.aol.com/finance/retirement-planning/article/average-social-security-benefit-payment-december-2025-195039610.html (accessed December 15, 2025). [12] LaPonsie, Maryalene. “Can You Retire on $1 Million? Here’s How Far It Will Go in 2025.” USNews.com. https://money.usnews.com/money/retirement/articles/can-you-retire-on-one-million (accessed December 15, 2025). More SML Planning Minute Podcast Episodes This podcast is brought to you by Security Mutual Life Insurance Company of New York, The Company That Cares®. The content provided is intended for educational and informational purposes only. Information is provided in good faith. However, the Company makes no representation or warranty of any kind regarding the accuracy, reliability, or completeness of the information. The information presented is designed to provide general information regarding the subject matter covered. It is not to serve as legal, tax or other financial advice related to individual situations, because each individual's legal, tax and financial situation is different. Specific advice needs to be tailored to your situation. Therefore, please consult with your own attorney, tax professional and/or other advisors regarding your specific situation. To help reach your goals, you need a skilled professional by your side. Contact your local Security Mutual life insurance advisor today. As part of the planning process, he or she will coordinate with your other advisors as needed to help you achieve your financial goals and objectives. For more information, visit us at SMLNY.com/SMLPodcast. If you've enjoyed this podcast, tell your friends about it. And be sure to give us a five-star review. And check us out on LinkedIn, YouTube and Twitter. Thanks for listening, and we'll talk to you next time. Tax laws are complex and subject to change. The information presented is based on current interpretation of the laws. Neither Security Mutual nor its agents are permitted to provide tax or legal advice. The applicability of any strategy discussed is dependent upon the particular facts and circumstances. Results may vary, and products and services discussed may not be appropriate for all situations. Each person's needs, objectives and financial circumstances are different, and must be reviewed and analyzed independently. We encourage individuals to seek personalized advice from a qualified Security Mutual life insurance advisor regarding their personal needs, objectives, and financial circumstances. Insurance products are issued by Security Mutual Life Insurance Company of New York, Binghamton, New York. Product availability and features may vary by state.​ SubscribeApple PodcastsSpotifyAndroidPandoraBlubrryby EmailTuneInDeezerRSSMore Subscribe Options

To counteract whatever "derangement syndrome" you might be experiencing at the moment, Bill Mesnik of the Splendid Bohemians offers an antidote to your psychic gray skies. Today we're cracking open the big magnums of joy juice, and going back to the very beginning of the Sunny Side of My Street archives with 4 delightful infusions from the land of smiles:100 Years From Today, by Jack TeagardenThe Pink Panther Theme, by Henry ManciniAccentuate the Positive, by Johnny MercerandThe Hut Sut Song, by Horton the Elephant and Freddy Martin.Take as directed.... 

From chasing a dream of becoming a singer to finding his voice in the classroom, Dr. Hayward Horton shares his journey to teaching equality at the University at Albany. 

Ahead of a big home meet against Oklahoma, junior Hannah Horton joins us to talk about Mizzou Gymnastics' success in her two seasons in Columbia, how she fought through the "twisties", her style of leadership amongst her teammates, and much more. Later, Brad and Matt review the great start to SEC play for Mizzou men's hoops - including a home win vs. Auburn - and everything else going on around Tiger Athletics.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Divine healing is part of God's promise and is received through faith grounded in God's Word. Faith comes by hearing God's Word, not merely by prayer. Scripture builds confidence that healing is God's will and provision.

What happens when offshore rigs become thriving fisheries and why lawmakers are finally paying attention. Kicking off 2026, The Sportsmen's Voice Roundup goes straight to Capitol Hill for a timely update on one of the most important fisheries conservation tools in the country: the Rigs to Reefs program. Fresh off congressional testimony, Chris Horton, CSF's Sr. Director of Fisheries Policy, breaks down what sportsmen and women need to understand about how offshore energy structures are transformed into long-term fish habitat and why that matters for coastal ecosystems and recreational fishing access. This conversation goes beyond politics and into the science. You'll hear how artificial reef structures support real fish productivity, increase biomass, and create ecosystems that simply wouldn't exist without them. Drawing on decades of data and peer-reviewed research, Horton explains why Rigs to Reefs isn't just about attraction, but about sustaining healthy saltwater fisheries for generations of anglers. The episode also tackles common misconceptions around offshore policy, including cost-sharing, industry involvement, and how state fish and wildlife agencies reinvest funds directly into fisheries management and habitat improvement. For anyone passionate about saltwater fishing, coastal conservation, or how federal and state policy shapes the outdoors we enjoy, this is an insider look at how conservation, science, and legislation intersect. Whether you're a Gulf Coast angler, a traveling sportsman, or someone who cares about the future of America's fisheries, this episode provides clarity on why these structures are worth fighting for and how the sporting community can play a role in shaping the outcome. Get the FREE Sportsmen's Voice e-publication in your inbox every Monday: www.congressionalsportsmen.org/newsletter   Follow The Sportsmen's Voice wherever you get your podcasts: https://podfollow.com/1705085498  Learn more about your ad choices. Visit megaphone.fm/adchoices

•Thomas C. Horton known to fans as “The Soul King”, isa powerful independent singer, songwriter, and producer whose music bridges gospel, soul, and contemporary R&B. With over 100 released songs and a growing global audience, Horton delivers a sound that is both timeless andmodern — rooted in heartfelt emotion, spiritual depth, and authentic storytelling.is a rapidly rising gospel, soul, andinspirational artist, announces a major creative step forward with a new wave of award-level gospel compositions.  Witha reach spanning more than 50 countries and 47 global cities, Horton's unique sound continues to expand internationally.•Recognized for his signature blend of four-part gospel harmony, vocal unity, and modern arrangement excellence, Soul King is building a catalog tailored for top-tier gospel artists and legendary groups.  His latest compositions drawinfluence from classic church foundations while introducing the fresh, royal soul sound that defines his artistry.•“I'm creating music designed for iconic voices,” Horton said. “This season is about excellence, precision, and honoringthe gospel sound.”•A prolific independent artist with 116 released songs, Horton's work merges technical vocal mastery with spiritual depth. His recent streaming rise across SoundCloud, YouTube, and global DSPs reflects growing momentum for his sound.•“He Made A Way” project is available on all digital outlets. EXCLUSIVE RELEASE “I Over Came-By The Name” AVAILABLE NOW!••Send an email to Let's Talk: Gospel Music Gold  sharing your thoughts about this show segment; also, if you have any suggestions of future guests you would like tohear on the show. Send the email to ⁠⁠⁠letstalk2gmg@gmail.com⁠⁠⁠ and become a follower on our Facebook page where all of our shows with links are found.•Awarded a “Top Gospel Music Podcast” Badge from Feedspot which has named Let's Talk: Gospel Music Gold oneof the Top 10 Gospel Music Podcasts on the web! •LET'S TALK: GOSPEL MUSIC GOLD RADIO SHOW AIRS EVERY SATURDAY 9:00 AM CST / 10:00 AM EST ON WMRM-DB INTERNET RADIO STATION  AND WJRG RADIO INTERNET RADIO STATION 12:00 PM EST / 11:00 AM CST •There is a Let's Talk: Gospel Music Gold Facebookpage ( @LetsTalk2GMG ) where all episodes are posted as well.    •The Podcast and Radio shows are heard anywhere in the World on the Internet! •ANSONIA'S BOOK RELEASES•“Legacy of James C. Chambers And his Contributions to Gospel Music History”•"If We Can Do It, You Can Too!" •"Molding a Black Princess"Order Information https://www.unsungvoicesbooks.com/asmithgibbs

Clay and guest host David Horton of Radford University discuss the global implications of America's recent incursion into the sovereign nation of Venezuela. For the first segment of the program, Horton asks President Thomas Jefferson about the foreign policy crises of the early national period. After the break, Horton asked Clay to break character to contextualize the recent raid in the larger sweep of American history. Have there been similar incidents in previous decades? How will the kidnapping of the dictator Maduro affect America's standing in the world? Who gets to decide what foreign leaders to leave in place, and which to depose?  What are the constitutional implications of this sudden military incursion? Is the post-World War II liberal world order crumbling? And what comes next? This episode was recorded on January 7, 2026.

Get my new book: https://bronsonequity.com/fireyourselfDownload my new special report - How to Use Inflation to Your Advantage - www.bronsonequity.com/inflationIn this episode of the Mailbox Money Show, Bronson uncovers the high-reward world of land development with Brandon Cobb. They break down the two-phase process: land entitlement (securing approvals for forced appreciation) and horizontal development (infrastructure like roads and utilities for ready-to-build lots). Brandon reveals how to mitigate risks via pre-sold contracts with national builders (e.g., Lennar, D.R. Horton), structure deals with 18% preferred returns and 65% LTC debt, and capitalize on current market freezes. From Tennessee's cyclical opportunities to biohacking for peak performance (cold plunges, green smoothies, sleep optimization), discover why development offers multiple exits and legacy-building potential—perfect for diversifying beyond multifamily amid rising rates.Brandon Cobb is the CEO of HBG Capital, a real estate development and investment firm specializing in single-family residential projects. With a background in homebuilding, he now focuses on land entitlement and horizontal development, creating shovel-ready lots for major builders.00:42 - Guest Intro: Brandon Cobb01:41 - Real Estate Cycles: Sector Shifts for Optimal Returns02:29 - Phase 1: Land Entitlement for Forced Appreciation03:11 - Phase 2: Horizontal Development (Roads & Utilities)03:36 - Niche: Single-Family Lots for Builders Like Lennar04:54 - Current Focus: Pre-Sold Entitlements in Slow Markets05:38 - Structure: 18% Pref Return, 100% Equity Plays07:16 - Risk Mitigation: Builder Deposits & Double Closes09:04 - Financing: 65% LTC Debt, Builder Funds as Equity10:45 - Land Banking: Hold for Surrounding Development Gains14:26 - Timelines: 15 Months Entitlement, 1-Year Development15:36 - Market Evolution: Post-2022 Freeze to Builder Opportunities19:57 - Advantages: 3 Exits, Low Saturation in Development21:10 - Biohacking: Wealth for Full Life Enjoyment21:33 - Green Smoothies: Organic Daily Digestion Boost22:48 - Cold Plunge: Fog Buster & Recovery Enhancer24:37 - Sleep Optimization: Whoop Tracking for Foundation27:12 - Blood Tests + ChatGPT: Personalized Performance Tweaks29:36 - ResourcesCONNECT WITH THE GUESTLand Development 101: learnlanddevelopment.comJoin the Waitlist: hbgcapital.net/waitlistWebsite and E-book: hbgcapital.net#LandDevelopment#RealEstateEntitlement#HorizontalConstruction#Biohacking#ForcedAppreciation#InvestorRiskMitigation#SleepOptimization

Plantd is reinventing engineered lumber by replacing trees with rapidly renewable biomass, scaling manufacturing technology that costs 100x less than traditional OSB production. With customers including DR Horton and growing demand across furniture, RV, and international markets, Plantd has attracted partnerships throughout the building materials industry. In this episode of BUILDERS, I sat down with Nathan Silvernail, Co-Founder & CEO at Plantd, to explore how his decade at SpaceX shaped his approach to building a capital-intensive hardware company that could transform the $65 billion engineered lumber market.   Topics Discussed Building continuous OSB production systems versus $500M batch presses used by incumbents Securing DR Horton, furniture manufacturers, and building material companies as early customers Managing the bifurcation between OPEX-intensive manual processes and CAPEX transitions to AI robotic vision systems Designing machines for 400,000 panels/year output with sub-one-year payback at scale Navigating opinion-based building inspection processes where "no two blocks in this entire country build a house the same way" The strategic calculus of positioning away from climate tech to avoid green premium assumptions Scaling from pilot production to deploying 25-30 machines to meet current demand pipeline Achieving 70-layer panel construction versus 6-8 layers in timber-based OSB //   Sponsors: Front Lines — We help B2B tech companies launch, manage, and grow podcasts that drive demand, awareness, and thought leadership. www.FrontLines.io The Global Talent Co. — We help tech startups find, vet, hire, pay, and retain amazing marketing talent that costs 50-70% less than the US & Europe. www.GlobalTalent.co   // Don't Miss: New Podcast Series — How I Hire Senior GTM leaders share the tactical hiring frameworks they use to build winning revenue teams. Hosted by Andy Mowat, who scaled 4 unicorns from $10M to $100M+ ARR and launched Whispered to help executives find their next role. Subscribe here: https://open.spotify.com/show/53yCHlPfLSMFimtv0riPyM

Today we're honoring the life, leadership, and lasting influence of Betty Horton, PhD, CRNA, FAAN, a woman whose impact on nurse anesthesia education spans generations. With her passing on December 27, 2025, we wanted to revisit the conversation we had with her five years prior about the evolution of education and accreditation in nurse anesthesia, something that she cared about tremendously. This conversation captures Betty's wisdom, humility, and unwavering commitment to lifting others rather than highlighting herself. The show originally aired July 2, 2020, and we've asked Jackie Rowles, DNP, MBA, MA, CRNA, ANP-BC, NSPM-C, FNAP, FAANA, FAAN, the founder and president of Our Hearts Your Hands Inc, and Sandy Ouellette, CRNA, DS (hon), Med, FAAN, vice president of Our Hearts Your Hands Inc., to share a few of their thoughts on her lasting legacy before we begin. Listening ​now, ​her ​words ​carry ​even ​greater ​meaning. ​They ​reflect ​the ​wisdom, ​humility ​and ​steady ​leadership ​that ​defined ​her ​life's ​work. ​We ​invite ​you ​today ​to ​listen ​not ​only ​with ​your ​ears, ​​but ​with ​your ​heart. It's an honor to share her voice once more. Here's some of what you'll hear in this episode:

David Trainer calls a push against corporate investors buying homes a "good thing for society," but believes the housing market as a whole will struggle from longstanding headwinds. Companies that can withstand margin pressure are the ones David likes the most. He explains why D.R. Horton is his top stock pick in the housing sector. George Tsilis offers an example options trade for D.R. Horton. ======== Schwab Network ========Empowering every investor and trader, every market day.Options involve risks and are not suitable for all investors. Before trading, read the Options Disclosure Document. http://bit.ly/2v9tH6DSubscribe to the Market Minute newsletter - https://schwabnetwork.com/subscribeDownload the iOS app - https://apps.apple.com/us/app/schwab-network/id1460719185Download the Amazon Fire Tv App - https://www.amazon.com/TD-Ameritrade-Network/dp/B07KRD76C7Watch on Sling - https://watch.sling.com/1/asset/191928615bd8d47686f94682aefaa007/watchWatch on Vizio - https://www.vizio.com/en/watchfreeplus-exploreWatch on DistroTV - https://www.distro.tv/live/schwab-network/Follow us on X – https://twitter.com/schwabnetworkFollow us on Facebook – https://www.facebook.com/schwabnetworkFollow us on LinkedIn - https://www.linkedin.com/company/schwab-network/About Schwab Network - https://schwabnetwork.com/about

2026 will bring both good and bad things into our lives. It will be a time for spiritual growth and self-discipline. Are you ready to face the challenges ahead? Resources: Stay connected with the new Victory Church app Discover more on our website: victorychurchraleigh.com Subscribe to our Weekly Podcast!

In this episode, we're sitting down with someone who embodies honesty, resilience, and a whole lot of Jesus — Stephanie Horton. Stephanie has been married to her college sweetheart, Joshua, for sixteen years, and together they've served in ministry just as long. They live in Dothan, Alabama, where Joshua pastors Timbers Drive Church. Stephanie homeschools their three kids, teaches English online, and is fueled by good coffee, real conversations, and the belief that everyone carries a story worth telling. One of her favorite quotes comes from Katie Davis Majors: “If one person sees the love of Christ in me, it's worth every minute.” — and after hearing her today, you'll see just how deeply she lives that out.Stephanie opens up about her journey as a pastor's wife — including the raw truth of walking through a toxic, spiritually abusive church environment. She shares how it all started on day one, how the slow wear of ministry politics took a toll, and ultimately how stepping away brought unexpected freedom, healing, and hope. Through community support, prayer, and a deep trust that God was teaching them every step of the way, Stephanie and her family found their footing again.This is a vulnerable conversation — full of wisdom, humor (yes, she admits she needs some spending cash and will absolutely buy you coffee), and the kind of honesty that reminds every pastor's wife: you're human, your story matters, and there is always hope on the other side.Get all the info about our next pastors' wives retreat and apply here:https://www.pastorswivestellall.com/attendaretreatTo purchase the BOOK, head here: ⁠https://pastorswivestellall.com/book⁠⁠To shop our MERCH, head here: ⁠https://pastorswivestellall.com/shop⁠⁠Want to support the Pastors' Wives Tell All podcast ministry? Become a patron: ⁠https://www.patreon.com/pastorswivestellall ⁠⁠SUBSCRIBE: ⁠Sign up⁠ for our email list and receive updates on new episodes, free gifts, and all the fun! Email sign up ⁠⁠HERE⁠⁠!CONTACT US: ⁠hello@pastorswivestellall.com⁠⁠FOLLOW US:Website: ⁠⁠pastorswivestellall.com⁠⁠Instagram: ⁠⁠@pastorswivestellall⁠⁠Facebook: ⁠⁠@pastorswivestellall⁠⁠JESSICA:Instagram: ⁠⁠@jessica_taylor_83⁠⁠, ⁠⁠@come_away_missions⁠⁠, ⁠⁠@do_good_project__⁠⁠⁠Facebook: ⁠⁠Come Away Missions⁠⁠, ⁠⁠Do Good Project⁠⁠Websites: ⁠⁠Do Good Project⁠⁠, ⁠⁠Come Away Missions⁠⁠JENNA:Instagram: ⁠⁠@jennaallen⁠⁠, ⁠⁠@jennaallendesign⁠⁠Facebook: ⁠⁠@JennaAllenDesign⁠⁠Website: ⁠⁠Jenna Allen Design⁠⁠STEPHANIE:Instagram: ⁠⁠@msstephaniegilbert⁠⁠Facebook: ⁠⁠I Literally LOL⁠⁠Website: ⁠⁠Stephanie Gilbert⁠

In this episode of Crossing Faiths, John Pinna speaks with Scott Horton about the underlying motivations and consequences of American foreign policy in the Middle East and beyond. The discussion explores the influence of neoconservative ideologies on the Iraq War, the political motivations of the Bush administration, and the subsequent "redirection" of support toward various factions in the Syrian civil war. Pinna shares his firsthand experiences working with government-funded organizations during the Arab Spring, while Horton provides a critical analysis of the military-industrial complex and the role of manufactured intelligence in driving international conflicts. Their conversation further examines the complex geopolitical landscape involving Israel, Iran, and the Kurdish regions, highlighting the economic undercurrents of oil trade and currency movement that often dictate regional stability and interventionist strategies. Scott Horton is director of the Scott Horton Academy of Foreign Policy and Freedom director of the Libertarian Institute, editorial director of Antiwar.com and host of the Scott Horton Show from ScottHorton.org (https://scotthhorton.org). He is the author of four books. He has conducted more than 6,000 interviews since 2003. He has recently released The Scott Horton Academy of Foreign Policy and Freedom.  Scott lives in Austin, Texas with his wife, Larisa Alexandrovna Horton.

In this episode of Crossing Faiths, John Pinna resumes his conversation with Scott Horton to examine the historical and contemporary applications of the Monroe Doctrine, tracing its shift from a defensive stance against European colonization to a tool for American imperial dominance in the Western Hemisphere. The dialogue focuses heavily on the complexities of regime change in Venezuela, analyzing the motivations behind US sanctions, the influence of political figures like Marco Rubio, and the interplay between corporate oil interests and geopolitical lobbies. Moving beyond Latin America, Horton offers a critical perspective on NATO expansion and the denial of a Russian sphere of influence in Eastern Europe, which he argues has fueled the conflict in Ukraine. The interview further uncovers the "business of intelligence" by discussing how NGOs and faith-based organizations can serve as covers for government operations, illustrated by a detailed anecdote about a failed coup in the Democratic Republic of the Congo. Finally, the speakers reflect on the legacy of US involvement in Afghanistan and the flaws in established narratives regarding counter-terrorism and global interventionism. Scott Horton is director of the Scott Horton Academy of Foreign Policy and Freedom director of the Libertarian Institute, editorial director of Antiwar.com and host of the Scott Horton Show from ScottHorton.org (https://scotthhorton.org). He is the author of four books. He has conducted more than 6,000 interviews since 2003. He has recently released The Scott Horton Academy of Foreign Policy and Freedom.  Scott lives in Austin, Texas with his wife, Larisa Alexandrovna Horton.

In this episode of the Finding Discounted Property Podcast, host Michael Pinter sits down with Brandon Cobb, founder of HPG Capital, to break down how raw land can be transformed into highly profitable development deals.Brandon shares his unexpected journey from being fired from his dream job in medical device sales to discovering real estate, flipping houses, and ultimately building seven-figure land development deals. He explains why land development became his focus, how he works with national builders like Lennar and D.R. Horton, and what investors need to know about zoning, approvals, density, and infrastructure.You'll learn:How Brandon identifies land that builders actually want to buyWhy zoning and density matter more than acreageHow to work with city planners instead of fighting themHow builders can help cover development soft costsWhy you should never buy land before approvals are in placeThe key differences between developing land in growth-friendly markets vs. restrictive states like New York and CaliforniaWhether you're an experienced real estate investor or just curious about land development, this episode offers a clear, honest look at how value is created long before construction ever begins.Brandon also shares free educational resources and explains how investors can learn more about land development through LearnLandDevelopment.com.Brandon Cobb - https://www.linkedin.com/in/hbgcapital/Hope You enjoy it I offer other products thanks for listening

Dave Smith brings you the latest in politics! On this episode of Part Of The Problem, Dave is joined by Scott Horton to discuss David Wurmser's recent podcast appearance breaking down Israel's relationship with America, the Clean Break Memo, and more.Use our code to sign up for Scott Horton Academy: https://scotthortonacademy.com/POTPSupport Our Sponsors:Proton Drive -http://www.proton.me/davesmithProlon - https://prolonlife.com/potpMy Patriot Supply - https://www.mypatriotsupply.com/problemBodyBrain - Go to BodyBrainCoffee.com, use code DAVE20 for 20% off your first orderPart Of The Problem is available for early pre-release at https://partoftheproblem.com as well as an exclusive episode on Thursday!PORCH TOUR DATES HERE:https://www.eventbrite.com/cc/porch-tour-2025-4222673Find Run Your Mouth here:YouTube - http://youtube.com/@RunYourMouthiTunes - https://podcasts.apple.com/us/podcast/run-your-mouth-podcast/id1211469807Spotify - https://open.spotify.com/show/4ka50RAKTxFTxbtyPP8AHmFollow the show on social media:X:http://x.com/ComicDaveSmithhttp://x.com/RobbieTheFireInstagram:http://instagram.com/theproblemdavesmithhttp://instagram.com/robbiethefire#libertarianSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

In this very special episode of the Check Your Brain podcast, Tony Mazur and Chad Zumock watch a "classic" presentation of Diff'rent Strokes. Yes, it's the one that sticks out, from 1983 starring Gordon Jump of WKRP in Cincinnati fame.   This is only a portion of the episode. The full thing is up on Chad's Rumble.   Be sure to subscribe to Tony's Patreon. $3 gets you just audio, $5 gets video AND audio, and $10 has all of the above, as well as bonus podcasts per week. Visit Patreon.com/TonyMazur. Tony is also on Rumble! Go find his video podcasts over there for free.   Cover art for the Check Your Brain podcast is by Eric C. Fischer. If you need terrific graphic design work done, contact Eric at illstr8r@gmail.com.

Join Kyle Jones as he sits down with Krista and Bryce Horton for an honest conversation about what it really takes to build and run a business. They go behind the scenes of how their businesses started and share the challenges people do not always see, including the risks of undercapitalizing and the reality of learning as you go. Kyle talks about his upcoming business venture, while the Hortons dive into the passion and vision behind the Horton Hotel. They also discuss the importance of support from the Bakersfield community, offer advice for young entrepreneurs, and open up about how running a business demands time and focus while balancing family life and raising kids. Check out the Hortons: Instagram: @shopstaykation @hortonhotels @krista.horton @bryce_horton @drinkhorton Websites: https://shopstaykation.com/ https://drinkhorton.com/  

God's holiness keeps Him away from anything tainted by sin. We are sinners from birth. We are wicked at heart. And that sin and wickedness at heart keeps us from a God who deeply loves us and wants to be near us. And the virgin birth is God's answer for His desire to be near us. In Christ, through His virgin birth into humanity, God has solved the problem of sin separating us from Him. God loves us enough to make a way to personally pay the judicial price for our sinfulness.  Resources: Stay connected with the new Victory Church app Discover more on our website: victorychurchraleigh.com Subscribe to our Weekly Podcast!

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Jesus gave a parable of a farmer planting seed in Mark 4, and He mentioned the kinds of soil where seed can be planted. Three kinds of soil kept the seed from doing well. One kind of soil caused the seed to produce. The four kinds of soil refer to four kinds of people. Which soil are you? Resources: Stay connected with the new Victory Church app Discover more on our website: victorychurchraleigh.com Subscribe to our Weekly Podcast!

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For investors, developers, and property owners, the future of real estate isn't just about location—it's about building smarter, cheaper, and more sustainably. In this episode, Brian Hamrick sits down with Josh Dorfman, climate entrepreneur, media personality, and co-founder of Plantd, a carbon-negative building materials company recognized by Fast Company as one of the most innovative in the world. Josh has spent his career at the intersection of business and sustainability. You may know him as the creator of The Lazy Environmentalist (Sundance Channel, Sirius XM, and two books). Today, he's focused on practical climate solutions that save money, boost NOI, and increase property values—without forcing investors to change how they build. Topics we cover include: How carbon-negative panels are replacing OSB and plywood in new construction—and why DR Horton placed a 10 million-panel order. The role of AI and smart HVAC systems in cutting energy costs up to 25%. Game-changing retrofits like aerosol sealing technology that stop energy leaks without tearing into walls. What's next for single-family and multifamily investors, from heat pumps and induction stoves to EV charging as a revenue stream. Why leading investors like Goldman Sachs are underwriting fossil-fuel-free buildings—and what that means for future returns. Whether you own one rental or manage a large multifamily portfolio, you'll discover actionable ways to lower expenses, future-proof your properties, and unlock new profit centers while helping the planet. Find out more: * Weekly Newsletter | https://supercool.beehiiv.com/subscribe  * YouTube Channel | https://www.youtube.com/playlist?list=PLTcMrkjAmgqzv6Jhg6-V52gShRWKdc3t4 * LinkedIn | https://www.linkedin.com/company/getsupercool * Instagram | https://www.instagram.com/getsupercool  * https://getsuper.cool/playbook/ Today's episode is brought to you by Green Property Management, managing everything from single family homes to apartment complexes in the West Michigan area. https://www.livegreenlocal.com And RCB & Associates, helping Michigan-based real estate investors and small business owners navigate the complex world of health insurance and medicare benefits. https://www.rcbassociatesllc.com

Shannon Sharpe and Chad “Ochocinco” Johnson react to a huge day in College Football! The Alabama Crimson Tide go on the road to take on the Auburn Tigers in the Iron Bowl, Ohio State goes on the road to beat Michigan to go to the Big 10 championship, and Alabama wide receiver Isaiah Horton joins the show to talk about the huge win in the iron bowl and much more! Subscribe to Nightcap presented by PrizePicks so you don’t miss out on any new drops! Download the PrizePicks app today and use code SHANNON to get $50 in lineups after you play your first $5 lineup! Visit https://prizepicks.onelink.me/LME0/NI... #Club 05:30 - Bama beats Auburn28:05 - Ohio State beats Michigan43:10 - Isaiah Horton joins (Timestamps may vary based on advertisements.) #ClubSee omnystudio.com/listener for privacy information.