Podcasts about hurricane charlie

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

Summary In this episode of Five Minutes to Chaos, Steven Kuhr interviews Chief Bill Van Helden, who shares his extensive experience in emergency management and crisis leadership. The conversation covers Bill's career journey, the importance of spirituality in emergency services, and the emotional toll that crisis management can take on leaders. They discuss significant events like Hurricane Charlie, the need for courage and command presence in emergencies, and the importance of thinking the unthinkable. Bill emphasizes the necessity of humility in leadership, the risks of carbon monoxide after hurricanes, and the changing nature of emergency management in Florida. The episode concludes with reflections on the emotional impact of crisis management and the importance of pre-planning for emergencies. Takeaways The importance of crisis management in emergency situations. Leadership requires courage and the ability to make tough decisions. Spirituality can play a significant role in the lives of emergency workers. Understanding the emotional toll of crisis management is crucial. Planning for the unthinkable is essential in emergency management. The need for humility in leadership roles. Carbon monoxide risks increase after hurricanes due to generator use. Continuity of government is vital during emergencies. New residents in Florida may not understand hurricane risks. Pre-planning contracts for debris management can save time and lives. Contract Information bvhretiree2021@gmail.com

What does it take to stay safe during a hurricane in coastal Florida? Discover the invaluable insights from Kathy Perkins, Director of Pinellas County Emergency Management Services, who brings over three decades of experience, including her firsthand involvement in Hurricane Andrew. Kathy helps us navigate the unique challenges that each storm brings, from storm surges and high winds to inland flooding. Learn why it's crucial not to get fixated on the "cone of uncertainty," and hear Kathy's expert advice on staying informed and understanding the broader risks.Ever felt "hurricane fatigue"? We tackle this critical issue by reflecting on personal experiences with major storms like Hurricane Charlie, Ian, and Irma. Kathy shares the complexities of hurricane forecasting and stresses the importance of staying vigilant despite the unpredictable nature of these storms. We dive into the challenges of evacuation planning, especially for vulnerable populations, and discuss the necessity of preparing for best, mid, and worst-case scenarios. This segment aims to keep you ready for rapid changes in storm intensity and direction, emphasizing the dangers of complacency.Preparation is key, and that's why we focus on practical strategies for evacuation and hurricane preparedness in our final chapter. Drawing parallels to everyday safety measures, you'll get practical advice on creating a well-thought-out plan tailored to your family's needs, including pets and specific medical requirements. Learn about the importance of timely preparation and how to use resources like Alert Pinellas and the Ready Pinellas app. Kathy's insights will guide you through knowing your risk, making a plan, and staying informed to ensure your safety during hurricane season.

Paul - Retired from full time 15 yr instructor 1 year ago and a Sun 'n Fun announcer, which is the 2nd largest airshow in the world. Robert - Born as Robert Jedrzejczak, in Milwaukee Wisconsin, lived in the surrounding states until my parents split up when I was 8. At 10, I moved to California to live with my dad, where I learned to surf in Santa Maria California. I used to jump off the dunes near Pismo beach and didn't even know what parkour was. White water rafting and cliff jumping soon followed. Throughout my adventures I ended up in Florida where I was only able to surf during hurricanes because the gulf side has little waves. I made primetime news twice on SNN for surfing Hurricane Charlie and then Katrina. But I wanted more! So I started skydiving in Homestead FL at Skydive Miami. While attending the school, I kept seeing people flying paragliders near the dropzone. They were flying every day and in skydiving, if the plane ain't full of jumpers, it ain't flying. Then, one day on my way to work I saw a guy selling 2 paragliders on the side of the road. I introduced myself and he introduced me to Paul Czarnecki at PlanetPpg. I started flying paragliders in 2010 and haven't been back to my other adventures. I love flying! I have participated in Sun N Fun airshow! I have shared my love of the sport with others to carry on. I will live every day till the day I die!

1:06:41 – In the first show of 2024 Neal discusses the term “west brit”, Trevelyan, a cat avoiding New Year's beer scams, a dog's dealings with the registrar of deaths and stuff, defining hella dodgy, Hurricane Charlie mountain memories, songs about meatloaf, accepting that toilets trigger thirst, Chas and Dave but not Status Quo, realities of […]

In the first show of 2024 Neal discusses the term “west brit”, Trevelyan, a cat avoiding New Year's beer scams, a dog's dealings with the registrar of deaths and stuff, defining hella dodgy, Hurricane Charlie mountain memories, songs about meatloaf, accepting that toilets trigger thirst, Chas and Dave but not Status Quo, realities of building a road to the Moon, a show-permeating glasses incident, fine line between Nowhereland and Doctor Who, what is a dog's business?, civil defence raincoats, Brendan Grace wrote that combine harvester song, a moveable psychic prediction, counterintuitive office animal demographics, how dogs experience repetition and more. About the show: IntoYourHead.ie/About Get in touch: Visit IntoYourHead.ie/Contact Neal's webcomic: MatchstickCats.com License: Creative Commons Attribution-NonCommercial-NoDerivs 4.0 International – It is mandatory to reproduce this attribution for each episode: “Neal O'Carroll via IntoYourHead.ie & Newsburp.ie Many episodes findable forever on Archive dot org.”

Joe Frisaro brings a unique guest with a definite impact on baseball and life. The founder of Mike's weather page, Boylan has become a trusted source in weather and preparedness. Starting in 2004 with Hurricane Charlie, he anticipation and deep study of natural disasters has garnered the attention of millions of followers. From Spaghetti Models to Tropical Storms- Mike Boylan is an expert... stay on long enough to learn about his other passions beyond baseball and storms ... I'll give you a hint ... Daytona 500 and softball

https://flysnf.org/ Paul - Retired from full time 15 yr instructor 1 year ago and a Sun 'n Fun announcer, which is the 2nd largest airshow in the world. Robert - Born as Robert Jedrzejczak, in Milwaukee Wisconsin, lived in the surrounding states until my parents split up when I was 8. At 10, I moved to California to live with my dad, where I learned to surf in Santa Maria California. I used to jump off the dunes near Pismo beach and didn't even know what parkour was. White water rafting and cliff jumping soon followed. Throughout my adventures I ended up in Florida where I was only able to surf during hurricanes because the gulf side has little waves. I made primetime news twice on SNN for surfing Hurricane Charlie and then Katrina. But I wanted more! So I started skydiving in Homestead FL at Skydive Miami. While attending the school, I kept seeing people flying paragliders near the dropzone. They were flying every day and in skydiving, if the plane ain't full of jumpers, it ain't flying. Then, one day on my way to work I saw a guy selling 2 paragliders on the side of the road. I introduced myself and he introduced me to Paul Czarnecki at PlanetPpg. I started flying paragliders in 2010 and haven't been back to my other adventures. I love flying! I have participated in Sun N Fun airshow! I have shared my love of the sport with others to carry on. I will live every day till the day I die!

Most storms have personalities. Some are very big in size, like Andrew in 1992. It was a huge storm and a strong one with Category 5 winds. It had gusts of up to 175 miles an hour and it devastated south Florida. Other storms like Hurricane Charlie in 2004 were not as big or strong but caused a lot of damage. Three weeks after Hurricane Ian, there is still a lot of debris lining the streets. It was reported on CNN that Hurricane Ian was a one in one-thousand-year event for the hardest hit parts of Florida. It was a wind and a tremendous rain making event. The flooding was historic. Three weeks later, as you ride around some neighborhoods, you can easily see everything that was in the house. It is exposed, out on the street or curb. Furniture, mattresses, sheetrock, bedding, televisions and bag after bag of personal items. Exposed. For everyone to see what was once hidden inside. In John 8, a woman was exposed, brought out into the open. Jesus has an answer for both exposed situations, that of your stuff on the street and the woman exposed. That is to restore.

Most storms have personalities. Some are very big in size, like Andrew in 1992. It was a huge storm and a strong one with Category 5 winds. It had gusts of up to 175 miles an hour and it devastated south Florida. Other storms like Hurricane Charlie in 2004 were not as big or strong but caused a lot of damage. Three weeks after Hurricane Ian, there is still a lot of debris lining the streets. It was reported on CNN that Hurricane Ian was a one in one-thousand-year event for the hardest hit parts of Florida. It was a wind and a tremendous rain making event. The flooding was historic. Three weeks later, as you ride around some neighborhoods, you can easily see everything that was in the house. It is exposed, out on the street or curb. Furniture, mattresses, sheetrock, bedding, televisions and bag after bag of personal items. Exposed. For everyone to see what was once hidden inside. In John 8, a woman was exposed, brought out into the open. Jesus has an answer for both exposed situations, that of your stuff on the street and the woman exposed. That is to restore.

TwoSistas and it's FantabulousFriday, September 30, 2022, and it's National Podcast Day!!! Updates on Hurricane Ian and its' aftermath as the rescue and clean up efforts continue. We always try to look for the blessings in the midst of the storm and we know personally how hard that is. Janis (having lived in Florida for 7 years) went through several hurricanes including Hurricane Charlie which Hurricane Ian somewhat followed it's path. By now, we all know that “Ian” was approximately 3 times the size of “Charlie”. Think about this for a moment: the State of Florida is 500 miles long and 160 miles wide - “Ian” was 500 miles wide (not sure how long) and basically every 67 counties in Florida were affected. As the efforts continue to get back to normal life, remember your family and friends to whom suffered great losses, specifically on the West coast of Florida. Please continue to heed the updates from your local and state officials. We saw the worst of storms with “Ian” yet we continue to see the best in humanity! Please stay safe! We hope you have an amazing FantabulousFriday! Let us know how you are doing with the aftermath of Ian - how has this affected you and your family? We would love to hear from you - Share it with us! Go to our website and leave us a voice message: https://www.twosistas.online/

Jeff and Sandy talk about what no one wants to hear...what if a hurricane is predicted during your trip?   They'll cover the history of storms to impact Disney, the procedures Disney has in place and tips for helping you make the decision that is best for your family.  Sandy gives out a shout out to her favorite meteorologist, Jim Cantore and all the ride out crews at Disney Resort.Storms to to cause Disney closures:Hurricane Floyd 1999 1 1/2 days Hurricane Charlie 2004 1 day Hurricane Frances 2004 2 daysHurricane Jeanne 2004 1 day  Hurricane Matthew 2016 1 1/2 days  Hurricane Irma 2017 2 1/2 daysHurricane Dorian 2019 - 1 day Hurricane Ian 2022 - 2 days

Charlie discusses the possible connection between sudden deaths and the Covid vaccines. Charlie talks about surviving a hurricane during a vacation from years back. Charlie talks more about his adventure surviving a hurricane. He tells a story about the first time he flew a plane. T2 joins the show to discuss how pilots fly threw hurricanes.

But you know... Mr. Gilbert? https://en.wikipedia.org/wiki/Hurricane_Gilbert#Jamaica Hurricane Gilbert produced a 19 ft (5.8 m) storm surge and brought up to 823 millimetres (32.4 in) of rain in the mountainous areas of Jamaica,[24] causing inland flash flooding. 49 people died.[19] Prime Minister Edward Seaga stated that the hardest hit areas near where Gilbert made landfall looked "like Hiroshima after the atom bomb."[25] The storm left $700 million (1988 USD) in damage from destroyed crops, buildings, houses, roads, and small aircraft.[26] Two people eventually had to be rescued because of mudslides triggered by Gilbert and were sent to the hospital. The two people were reported to be fine. No planes were going in and out of Kingston, and telephone lines were jammed from Jamaica to Florida.[8] As Gilbert lashed Kingston, its winds knocked down power lines, uprooted trees, and flattened fences. On the north coast, 20 feet (6.1 m) waves hit , a popular tourist resort where hotels were evacuated. Kingston's airport reported severe damage to its aircraft, and all Jamaica-bound flights were cancelled at Miami International Airport.[8] Unofficial estimates state that at least 30 people were killed around the island. Estimated property damage reached more than $200 million. More than 100,000 houses were destroyed or damaged and the country's banana crop was largely destroyed. Hundreds of miles of roads and highways were also heavily damaged.[27] Reconnaissance flights over remote parts of Jamaica reported that eighty percent of the homes on the island had lost their roofs. The poultry industry was also wiped out; the damage from agricultural loss reached $500 million (1988 USD). Hurricane Gilbert was the most destructive storm in the history of Jamaica and the most severe storm since Hurricane Charlie in 1951.[28] --- Send in a voice message: https://anchor.fm/thereallewdresky/message

Your Robin Hood Radio Tri-State Forecast TDY: PARTLY SUNNY – LOWER 80S TNTE:CLEAR – COOL – 55-60 WED: SUN AND CLOUDS – LOWER 80S THURS: SUNNY – 80FRI: SUN AND SOME CLOUDS – MID 80S  WEATHER TRIVIA:1986 – HURRICANE CHARLIE... Read More ›

Your Robin Hood Radio Tri-State Forecast TDY: PARTLY SUNNY – LOWER 80S TNTE:CLEAR – COOL – 55-60 WED: SUN AND CLOUDS – LOWER 80S THURS: SUNNY – 80FRI: SUN AND SOME CLOUDS – MID 80S  WEATHER TRIVIA:1986 – HURRICANE CHARLIE... Read More ›

Everyone has a story, it's just that some people's stories are more interesting. That is the case with Kevin Doyle, founder and owner of The Celtic Ray Public House in Punta Gorda, Florida.  We've been talking about Kevin's unique story from his birth in Dublin, Ireland, rearing in Manchester, England and immigration to Florida in the early 1980's. We've talked about his family, his career path and the founding of the Pub, one of the oldest Irish pubs in Florida.  In this episode, we talk about surviving 2004's Hurricane Charlie, the potential demolition of the building (while staff were in it) and when he took on an investor and they eventually locked him out and tried to take over his pub. Enjoy!

Our lives at a crossroad, and even our world at a crossroad. This weekend Bob starts the program with an update on some of the things happening in his life in both work and ministry. He shares his thoughts on being at a "threshold of change" in many areas, but he also looks at the major cultural changes that are occurring at an increasingly rapid rate in our world today. So much that is being "normalized" is really nothing more than institutionalized insanity. On the final part of this weekend's program Bob shares a message he gave almost 15 years ago, when he was the pastor of a church in Sarasota, FL. This message was given shortly after Hurricane Charlie had hit near where Bob was living at the time. It is an encouragement as we face the storms in our lives. --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app --- Send in a voice message: https://anchor.fm/your-weekend-show/message Support this podcast: https://anchor.fm/your-weekend-show/support

Most people would run, sprint, fly away from danger. Most people look for their safety in numbers. Most people look at the gravity of what mother nature can do to entire towns, buildings, and peoples’ homes. Most people would run from a hurricane. And yet, most people have also never heard of the Hurricane Hunters.In 1951, the deadliest tropical cyclone of that years’ Atlantic hurricane season, was barreling across the sea and heading right for Corpus Christi, Texas. Or at least that’s what everyone thought. Hurricane Charlie started from a tropical wave east of the Lesser Antilles. Had it hit Corpus Christi, Tx it most likely would have made the history books, and it would have been a topic of conversation that we still talk about today, because it surely would have destroyed a good majority of the lives that the people of Corpus Christi, Port Arthur, North Padre Island had at that time. Instead, the hurricane struck Jamaica with winds of 135 miles an hour, before then hurtling into the Mexican coast and the Yucatan Peninsula. Hurricane Charlie was responsible for 250 deaths. It is known as the deadliest natural disaster of the 20th century for Jamaica and has numbers ranging around $50,000,000 in damages and 152 dead. This hurricane was huge. However, back in 1951, we didn’t have the same technology we do today, and we would have never known some of the things we know now had it not been for the Air Force Reserve’s 53rd Weather Reconnaissance Squadron, better known today as the Hurricane Hunters.

Since he was in the eighth grade, Tim Nickens knew he would be a journalist. What began as a dream to become a sports writer turned into a 35-year career reporting for two of Florida's top newspapers and winning a Pulitzer Prize. Nickens is Fluent in Floridian. Over the course of his impressive career, he has reported on many of the cultural events that have defined the 21st century, including 9/11, Hurricane Charlie and both election recounts in Florida. On this episode of Fluent in Floridian, Nickens discusses his career in journalism, the way the industry has changed, his thoughts on today's young voters, and his new role as Editor of Editorials at Florida's largest newspaper, the Tampa Bay Times.

Long time Keys resident Jerry Scott tells a story taking place in during Hurricane Charlie.

Long time Keys resident Jerry Scott tells a story taking place in during Hurricane Charlie.

Many people old enough to remember 1986 in Ireland will tell you it was a pretty grim time and place. The economy was in the doldrums and unemployment was high. A referendum to permit divorce was voted down as Hurricane Charlie hit. In January, Phil Lynott died. The state papers from I986, released after the mandatory 30 year waiting period, reveal a country trying to deal with problems at home and in Northern Ireland, and to come to terms with a growing demand for equality and social change. Elaine Edwards and Stephen Collins were among the reporters allowed a first look at the annually-released cache of yellowing documents that make up the state papers. They talked to us about the stories they found, major, minor and quirky.

This is a great topic that I think few of us think about, but are we taking the time to not only tell our kids about what we do, but SHOW them. Listen in on how Mary Shannon Smith not only survives Hurricane Charlie by focusing on investors to rehab the devastated city but teaches her 14 Year old daughter… yes I said 14 years old … how to buy her very own first rental. There is a great saying I heard years ago, “it’s not the commissions that make you rich, it’s what you DO with the commissions that will make you rich”! What are you doing with your commissions? Are you not only investing in real estate yourself, but are you TEACHING your kids? Not only is Shannon an inspiration as a parent but she created one of the largest Real Estate Facebook Groups for real estate agents in less than 3 months. This podcast is worth the time to listen to. I would love to hear your thoughts and comments over on our blog at  www.RealEstateRealWorld.com

Delivery by the Stars: David Jerrard is Ireland's foremost teacher of sailing and navigation courses. He's also a master boat builder and yacht instructor. David joined us for a cruise on a glorious sunny day and told us how he first got into boats, about using a sextant and how Hurricane Charlie arrived - just one day after he launched his boat; a project which had taken David twelve years to complete. Find out move about Sea Stories: seastories.ie Follow us on Twitter: @SeaStoriesIRL Find us on Facebook: www.facebook.com/pages/Sea-Storie…23714297?fref=ts TuneIn Radio: http://tunein.com/radio/Sea-Stories-p744021/ Apple iTunes podcast: https://itunes.apple.com/ie/podcast/sea-stories/id1000438693?mt=2 Email: seastoriesirl@gmail.com

Gini Hyman was raised in Sarasota and shares a bit about what Sarasota means to her. In addition to being a realtor and operating an organic, natural and human grade pet treat business that has sales in over twenty eight states (http://sites.google.com/site/ginisbirdiebread/), she works with the Commission on the Status of Women Sarasota County, the Florida West Coast Avian Society, and Baby Basics. All three of these organizations provide valuable services to our community. The mission for the Commission on the Status of Women Sarasota County is to Empower Women through Education, Research, and Advocacy. The Florida West Coast Aviation Society was founded after Hurricane Charlie when so many pet birds were left homeless. Baby Basics provides diapers for the working poor members of our community. Important links and contact information: Commission for the Status of Women Sarasota County (http://cswsarasota.googlepages.com/) You can contact them at cswsarasota@gmail.com or 941 961-7982 Florida West Coast Avian Society (http://fwcas.org/) for contact information visit http://fwcas.org/pages/contacts.shtml#contact_fwcas Baby Basics (http://www.facebook.com/pages/Baby-Basics-of-Sarasota/201355450459) you can contact them at 941-684-0009 Meetings for The Commission for the Status of Women Sarasota County are held the first