Podcasts about Insurance

Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Dr. Willie Jolley. SUMMARY OF THE INTERVIEW In this energetic and motivational conversation, Hall of Fame speaker Dr. Willie Jolley joins Rushion McDonald on Money Making Conversations Masterclass to discuss his new book, “Rich Is Good, Wealthy Is Better.” The interview covers the difference between being rich and being wealthy, the mindsets required for long-term financial growth, and how individuals—no matter their background—can build generational wealth. Jolley also emphasizes discipline, humility, planning, multiple streams of income, overcoming setbacks, and the importance of insurance and protection of assets. PURPOSE OF THE INTERVIEW The interview aims to: 1. Introduce and promote Dr. Jolley’s new book “Rich Is Good, Wealthy Is Better” and the teachings within it. 2. Educate listeners on the distinction between rich and wealthy Jolley wants audiences to understand wealth in generational, not short-term, terms. 3. Motivate individuals to shift their financial mindset From “working money” to “mailbox money.” 4. Empower entrepreneurs and families To adopt discipline, drop pride, and create multigenerational financial systems. 5. Share Jolley’s personal setback‑to‑success story To reinforce that anyone can grow wealth with the right principles. KEY TAKEAWAYS 1. Rich vs. Wealthy Being rich = high income, often tied to active labor (e.g., athlete contracts). Being wealthy = passive income, ownership, generational sustainability. A rich football player earns millions; the team owner earns billions and doesn’t have to “run up and down the field.” 2. The Five Money Mindsets Jolley explains five financial mindsets: One‑day mindset – living day to day. 30‑day mindset – fixed incomes/check-to-check living. One‑year mindset – annual thinking (raises, annual income). Decade mindset – typical for entertainers/athletes with multi‑year contracts. Generational mindset (Wealth Mindset) – building wealth to last multiple generations. Jolley’s goal: move people up just one level at a time. 3. Five Types of Wealth Jolley breaks wealth into five categories: Financial Wealth Health Wealth (“A sick person has one dream; a healthy person has a thousand.” – Les Brown) Relationship Wealth Reputational Wealth (Brand) Intellectual Capital Wealth (What you know and can charge for) 4. Discipline Is the Key Wealth requires: Living below your means Investing the difference Consistency Avoiding arrogance and ignorance 5. Pride Is an Enemy of Wealth Pride leads people to overspend to keep up appearances.Jolley argues that pride “kills wealth” and must be replaced with planning and humility. 6. The Three Legs of Wealth To build sustainable wealth, you need: Income Investment (letting money work for you) Insurance (life, health, car, disability, long-term care) 7. Multiple Streams of Income Jolley urges everyone to build at least two streams of income from: Stocks Bonds Real estate Crypto Collectibles Jewelry Art Content creation 8. Overcoming Setbacks Jolley details his own journey from unemployed nightclub singer to globally recognized motivational speaker.He reinforces that a setback is a setup for a comeback—the core message of his earlier bestselling book. 9. It’s Never Too Late to Start He cites examples of: A secretary who retired with $8M by investing small amounts over time Invested $12,000 at age 65 and grew it to $890,000 by age 72 NOTABLE QUOTES FROM THE INTERVIEW On Time & Opportunity “I have only just a minute… but it’s up to me to use it.” On Mindset “Wealth starts in your mind.” On Rich vs. Wealthy “Regular folks work for their money. Wealthy people make their money work for them.” On Pride “My pride was killing my wealth.” On Growth & Learning “If you’re willing to learn, no one can stop you.” [On Setbacks “A setback is a setup for your greater comeback.” On Starting Late “When is the best time to plant a tree? Eighty years ago. The second-best time? Today.” #SHMS #STRAW #BESTSupport the show: https://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Dr. Willie Jolley. SUMMARY OF THE INTERVIEW In this energetic and motivational conversation, Hall of Fame speaker Dr. Willie Jolley joins Rushion McDonald on Money Making Conversations Masterclass to discuss his new book, “Rich Is Good, Wealthy Is Better.” The interview covers the difference between being rich and being wealthy, the mindsets required for long-term financial growth, and how individuals—no matter their background—can build generational wealth. Jolley also emphasizes discipline, humility, planning, multiple streams of income, overcoming setbacks, and the importance of insurance and protection of assets. PURPOSE OF THE INTERVIEW The interview aims to: 1. Introduce and promote Dr. Jolley’s new book “Rich Is Good, Wealthy Is Better” and the teachings within it. 2. Educate listeners on the distinction between rich and wealthy Jolley wants audiences to understand wealth in generational, not short-term, terms. 3. Motivate individuals to shift their financial mindset From “working money” to “mailbox money.” 4. Empower entrepreneurs and families To adopt discipline, drop pride, and create multigenerational financial systems. 5. Share Jolley’s personal setback‑to‑success story To reinforce that anyone can grow wealth with the right principles. KEY TAKEAWAYS 1. Rich vs. Wealthy Being rich = high income, often tied to active labor (e.g., athlete contracts). Being wealthy = passive income, ownership, generational sustainability. A rich football player earns millions; the team owner earns billions and doesn’t have to “run up and down the field.” 2. The Five Money Mindsets Jolley explains five financial mindsets: One‑day mindset – living day to day. 30‑day mindset – fixed incomes/check-to-check living. One‑year mindset – annual thinking (raises, annual income). Decade mindset – typical for entertainers/athletes with multi‑year contracts. Generational mindset (Wealth Mindset) – building wealth to last multiple generations. Jolley’s goal: move people up just one level at a time. 3. Five Types of Wealth Jolley breaks wealth into five categories: Financial Wealth Health Wealth (“A sick person has one dream; a healthy person has a thousand.” – Les Brown) Relationship Wealth Reputational Wealth (Brand) Intellectual Capital Wealth (What you know and can charge for) 4. Discipline Is the Key Wealth requires: Living below your means Investing the difference Consistency Avoiding arrogance and ignorance 5. Pride Is an Enemy of Wealth Pride leads people to overspend to keep up appearances.Jolley argues that pride “kills wealth” and must be replaced with planning and humility. 6. The Three Legs of Wealth To build sustainable wealth, you need: Income Investment (letting money work for you) Insurance (life, health, car, disability, long-term care) 7. Multiple Streams of Income Jolley urges everyone to build at least two streams of income from: Stocks Bonds Real estate Crypto Collectibles Jewelry Art Content creation 8. Overcoming Setbacks Jolley details his own journey from unemployed nightclub singer to globally recognized motivational speaker.He reinforces that a setback is a setup for a comeback—the core message of his earlier bestselling book. 9. It’s Never Too Late to Start He cites examples of: A secretary who retired with $8M by investing small amounts over time Invested $12,000 at age 65 and grew it to $890,000 by age 72 NOTABLE QUOTES FROM THE INTERVIEW On Time & Opportunity “I have only just a minute… but it’s up to me to use it.” On Mindset “Wealth starts in your mind.” On Rich vs. Wealthy “Regular folks work for their money. Wealthy people make their money work for them.” On Pride “My pride was killing my wealth.” On Growth & Learning “If you’re willing to learn, no one can stop you.” [On Setbacks “A setback is a setup for your greater comeback.” On Starting Late “When is the best time to plant a tree? Eighty years ago. The second-best time? Today.” #SHMS #STRAW #BESTSee omnystudio.com/listener for privacy information.

Matt Hampton and Dr Tom Ingegno came into my world the way the best guests always do. They found me first. They pulled me onto their Irreverent Health Podcast, a show that blends medicine, curiosity, and unapologetic nonsense the same way Gen X kids blended Saturday morning cartoons with nuclear-war anxiety. We recorded together, we went off the rails together, and by the end I told them the rule. If you ever come to New York, you sit in my studio. No exceptions.They showed up. They took the hot seat. They told Alexa to shut up. They joked about Postmates. They compared bifocals before I even hit record. From there it turned into a full blown eighties time machine powered by weed policy, AI diagnostics, acupuncture philosophy, art school trauma, cannabis data science, paranormal detours, and the kind of deep cut pop culture references only Gen X survivors can decode.Matt builds AI systems. Tom heals people with needles and a lifetime of East Asian medicine. Together they make healthcare funny without pretending it works. They remind you that curiosity carries weight when the system collapses under its own stupidity.This episode is a reunion of three loudmouths raised on Atari, late night cable, and the hard lesson that you either tell the truth or get flattened by it. Go subscribe to Irreverent Health. These guys earned it.RELATED LINKS• Irreverent Health Podcast• Matt Hampton – Consilium Institute• Envoy Design• Dr. Tom Ingegno – Charm City Integrative Health• The Cupping Book• You Got Sick—Now What?• Matt Hampton on LinkedIn• Dr. Tom Ingegno on LinkedInFEEDBACKLike this episode? Rate and review Out of Patients on your favorite podcast platform. For guest suggestions or sponsorship email podcasts@matthewzachary.comSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Dr. Willie Jolley. SUMMARY OF THE INTERVIEW In this energetic and motivational conversation, Hall of Fame speaker Dr. Willie Jolley joins Rushion McDonald on Money Making Conversations Masterclass to discuss his new book, “Rich Is Good, Wealthy Is Better.” The interview covers the difference between being rich and being wealthy, the mindsets required for long-term financial growth, and how individuals—no matter their background—can build generational wealth. Jolley also emphasizes discipline, humility, planning, multiple streams of income, overcoming setbacks, and the importance of insurance and protection of assets. PURPOSE OF THE INTERVIEW The interview aims to: 1. Introduce and promote Dr. Jolley’s new book “Rich Is Good, Wealthy Is Better” and the teachings within it. 2. Educate listeners on the distinction between rich and wealthy Jolley wants audiences to understand wealth in generational, not short-term, terms. 3. Motivate individuals to shift their financial mindset From “working money” to “mailbox money.” 4. Empower entrepreneurs and families To adopt discipline, drop pride, and create multigenerational financial systems. 5. Share Jolley’s personal setback‑to‑success story To reinforce that anyone can grow wealth with the right principles. KEY TAKEAWAYS 1. Rich vs. Wealthy Being rich = high income, often tied to active labor (e.g., athlete contracts). Being wealthy = passive income, ownership, generational sustainability. A rich football player earns millions; the team owner earns billions and doesn’t have to “run up and down the field.” 2. The Five Money Mindsets Jolley explains five financial mindsets: One‑day mindset – living day to day. 30‑day mindset – fixed incomes/check-to-check living. One‑year mindset – annual thinking (raises, annual income). Decade mindset – typical for entertainers/athletes with multi‑year contracts. Generational mindset (Wealth Mindset) – building wealth to last multiple generations. Jolley’s goal: move people up just one level at a time. 3. Five Types of Wealth Jolley breaks wealth into five categories: Financial Wealth Health Wealth (“A sick person has one dream; a healthy person has a thousand.” – Les Brown) Relationship Wealth Reputational Wealth (Brand) Intellectual Capital Wealth (What you know and can charge for) 4. Discipline Is the Key Wealth requires: Living below your means Investing the difference Consistency Avoiding arrogance and ignorance 5. Pride Is an Enemy of Wealth Pride leads people to overspend to keep up appearances.Jolley argues that pride “kills wealth” and must be replaced with planning and humility. 6. The Three Legs of Wealth To build sustainable wealth, you need: Income Investment (letting money work for you) Insurance (life, health, car, disability, long-term care) 7. Multiple Streams of Income Jolley urges everyone to build at least two streams of income from: Stocks Bonds Real estate Crypto Collectibles Jewelry Art Content creation 8. Overcoming Setbacks Jolley details his own journey from unemployed nightclub singer to globally recognized motivational speaker.He reinforces that a setback is a setup for a comeback—the core message of his earlier bestselling book. 9. It’s Never Too Late to Start He cites examples of: A secretary who retired with $8M by investing small amounts over time Invested $12,000 at age 65 and grew it to $890,000 by age 72 NOTABLE QUOTES FROM THE INTERVIEW On Time & Opportunity “I have only just a minute… but it’s up to me to use it.” On Mindset “Wealth starts in your mind.” On Rich vs. Wealthy “Regular folks work for their money. Wealthy people make their money work for them.” On Pride “My pride was killing my wealth.” On Growth & Learning “If you’re willing to learn, no one can stop you.” [On Setbacks “A setback is a setup for your greater comeback.” On Starting Late “When is the best time to plant a tree? Eighty years ago. The second-best time? Today.” #SHMS #STRAW #BESTSteve Harvey Morning Show Online: http://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

In this episode of Making Risk Flow, recorded live at the ITC London 2026 event, host Juan de Castro speaks with Richard Hartley, CEO and Founder of Cytora (now part of Applied Systems), about what it really takes to digitize risk across the entire insurance value chain. They explore why transformation fails when insurers focus on isolated workflows instead of interconnected pain points across agents, brokers, and carriers. Richard breaks down how agentic AI is reshaping underwriting, why risk data must be treated as dynamic rather than static, and how channel-agnostic operating models unlock scale. The conversation offers practical insights on automation, buy-vs-build decisions, and what risk digitization will demand in 2026.Fan Mail: Got a challenge digitizing your intake? Share it with us, and we'll unpack solutions from our experience at Cytora.To receive a custom demo from Cytora, click here and use the code 'Making Risk Flow'.Our previous guests include: Bronek Masojada of PPL, Craig Knightly of Inigo, Andrew Horton of QBE Insurance, Simon McGinn of Allianz, Stephane Flaquet of Hiscox, Matthew Grant of InsTech, Paul Brand of Convex, Paolo Cuomo of Gallagher Re, and Thierry Daucourt of AXA.Check out the three most downloaded episodes: The Five Pillars of Data Analytics Strategy in Insurance | Craig Knightly, Inigo 20 Years as CEO of Hiscox: Personal Reflections and the Evolution of PPL | Bronek Masojada Implementing ESG in the Insurance and Underwriting Space | Simon Tighe, Chaucer, and Paul McCarney, Moody's

Register here to attend the live virtual event "Why Central Florida is the Year's Most Compelling Housing Market" on Thursday, February 19th at 8pm Eastern. Keith looks at how a changing Federal Reserve leadership might shape the interest rate environment, then zooms in on what's really happening with homebuilders versus remodelers across the country.  You'll hear about a lesser-known strategy some investors are using to step back from day-to-day landlording while keeping their income, and then we head to Central Florida to explore why one fast-growing market is quietly becoming a hotspot for new-build rental properties.  Along the way, a longtime Florida builder joins the show to explain how they're creating affordable, investment-friendly homes and what kinds of rents and tenant demand they're seeing on the ground—plus a way you can learn more live if this opportunity fits your own portfolio plans. Resources: Register for the event at GREwebinars.com Episode Page: GetRichEducation.com/592 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  For predictable 10-12% quarterly returns, visit FreedomFamilyInvestments.com/GRE or text  1-937-795-8989 to speak with a freedom coach Will you please leave a review for the show? I'd be grateful. Search "how to leave an Apple Podcasts review"  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— GREletter.com  Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Keith Weinhold  0:01   welcome to GRE. I'm your host. Keith Weinhold, the naming of a new Federal Reserve Chair. Then are homebuilders in trouble today? There are a dwindling number of them, and their profits are down. I'll talk to a homebuilder. Listen to what amenities tenants want today, and it's interesting. We'll learn how low of a mortgage rate builders will give you. Now there's an opportunity here today on get rich education.   Corey Coates  0:30   Since 2014 the powerful get rich education podcast has created more passive income for people than nearly any other show in the world. This show teaches you how to earn strong returns from passive real estate investing in the best markets without losing your time being a flipper or landlord. Show Host Keith Weinhold writes for both Forbes and Rich Dad advisors, and delivers a new show every week since 2014 there's been millions of listener downloads of 188 world nations. He has a list show guests include top selling personal finance author Robert Kiyosaki. Get rich education can be heard on every podcast platform, plus it has its own dedicated Apple and Android listener phone apps build wealth on the go with the get rich education podcast. Sign up now for the get rich education podcast or visit get rich education.com   Keith Weinhold  1:14   mid south home buyers with over two decades as the nation's highest rated turnkey provider, their empathetic property managers use your return on investment as their North Star. It's no wonder smart investors line up to get their completely renovated income properties like it's the newest iPhone headquartered in Memphis, with their globally attractive cash flows, mid south has an A plus rating with the Better Business Bureau and 4000 houses renovated, there is zero markup on maintenance. Let that sink in, and they average a 98.9% occupancy rate with an industry leading three and a half year average renter term. Every home they offer you will have brand new components, a bumper to bumper, one year warranty, new 30 year roofs. And wait for it, a high quality renter in an astounding price range, 100 to 150k GET TO KNOW mid south enjoy cash flow from day one at mid southhomebuyers.com that's mid southhomebuyers.com   Speaker 1  2:17   You're listening to the show that has created more financial freedom than nearly any show in the world. This is get rich education.   Keith Weinhold  2:33   Welcome to GRE from countersport Pennsylvania to Davenport Iowa and across 488 nations worldwide. I'm Keith Weinhold, and you're listening to get rich education now more than ever, where you learn about personal finance and real estate investing matters. There's more AI generated content out there. This show is all flesh and blood me. There's also more clickbait content out there that says something like the housing market is about to have a price crash. No, it's not. They're just there to get short term attention. So your information source really matters today. New incoming Fed chair, Kevin Warsh, was recently named. He will replace the outgoing Jerome Powell on May 15. I want to tell you more about that in a moment. But first, just imagine if this scenario were to occur, say that we get a Fed chair that has to deal with really high inflation. And so what this Fed chair does is that he successfully brings inflation down, and he does that without triggering a recession that's called a soft landing. Well, you know what? That's exactly what Jerome Powell did the past three years. Yeah, that's what he's accomplished, and he doesn't get credit for it. He only gets a lot of criticism. Now this doesn't mean that I love Powell. I don't even know that the Fed should exist at all, but Powell got a lot of criticism for calling 2022, wave of inflation transitory, and being too late to respond to it. So he gets some credit here as his term of more than eight years winds down. Let's listen in to some of Jay Powell's recent comments about succession,    Speaker 2  4:23   you've obviously experienced a lot during your time as Fed chair, served under multiple presidents. I'm wondering what advice you have for whoever your successor might be.   Speaker 3  4:34   Honestly, I'd say a couple of things. One is, you know, stay out of elected politics. Don't get pulled into elected politics don't do it. And that's another thing. Another is that you know, our window into democratic accountability is Congress, and it's not a passive burden for us to go. To Congress and talk to people. It's an affirmative, regular obligation. If you want democratic legitimacy, you earn it by your interactions with the our elected overseers. And so it's something you need to work hard at, and I have worked hard at it so and the last thing is, you know, it's easy to it's easy to criticize government institutions so many ways. I will tell whoever it is you're about to meet the most qualified group of people you not only have ever worked with, you will ever work with and when you meet fed staff. And not everybody's perfect, but, but there isn't a better cadre of professionals more dedicated to the public well being than work at the Fed.    Keith Weinhold  5:43   Yeah. So to Powell's point, the next Fed chair, worsh, does champion fed independence, much like Powell has. That is a good thing that keeps America from turning into a banana republic that maintains a strong dollar. Warsh was actually a Fed Governor back during the 2008 global financial crisis, so he's got that experience when he comes in as Fed Chair in three months, he's widely expected to lower interest rates more than Powell did, much like the president wants. Kevin Warsh looks a lot like Michael Scott from the office. He has got to be less bumbling than him, though, overall, the effect on real estate and mortgage rates by shifting from PAL to worsh, I mean, that should be pretty mild. Maybe you'll see rates go a little lower than if pal had stayed and speaking of rates, wait till you see how low the mortgage rate is that our homebuilder guest is offering today. What's really happening with homebuilders now? How much trouble are they in? Homebuilders have largely been maligned. Overall. There are fewer homebuilders today in America than there were 20 years ago, and there are more remodelers than there were 20 years ago, fewer home builders, more remodelers, and that's for a few different reasons. Over the past couple decades, we just have substantially higher labor and material costs, stricter building and energy codes, higher interest rates, and that disproportionately hurts long duration construction projects. We've got zoning constraints and land constraints that make ground up development slow and uncertain and risky. So while the number of Home Builders in America is down, the number of remodelers are up, because America's housing stock is getting older. Its median age is over 40 years, and that creates constant demand for upgrades. Capital prefers faster, lower risk cycles. That's what remodels offer, and homeowners with locked in low mortgage rates choose to stay in place. And what does that make them do? That makes them renovate and remodel, not move. So this is why, compared to 20 years ago, you have fewer home builders and more remodelers. Today, that's per the NAHB and the Census Bureau and all these forces, they've resulted in a lower profit margin for homebuilders. Yes, homebuilder margin compression for a lot of the bigger builders, including DR Horton, just as you might guess in this cycle, their profits were greatest in 2022 and they have fallen since then. Higher mortgage rates came in, and builders had to lose profits by offering more incentives to entice buyers. You're going to learn more about that today and how it really spells quite an opportunity for you and I. When the final change in national home prices was tallied for the end of last year, they had risen in 16,500 zip codes. All right, that's 63% of America's zip codes, and prices were lower from a year earlier in the other 37% home price gains were concentrated in the Northeast and Midwest, and the story there continues to be too many buyers and not enough homes. In fact, over 85% of zip codes saw price growth in Illinois, Connecticut, Wisconsin and Indiana, slow, steady, stubborn, kind of like winter refusing to leave. Losses were predominant in the Sun Belt. Prices caught their breath there. There was price attrition in Florida, with 96% of zip codes, so nearly all of Florida, then California, 78% of zip codes had a price loss. Texas, 75% of them and Arizona, 73% the biggest pocket of opportunity appears to be in Florida. Florida property is on sale. And because real estate is local. A lot of times we talk here nationally, but to get to that local level, sometimes you have to dig in to a local market to really find out what's going on. We're going to do that today. Now, central Miami, Orlando and Tampa, they're not generally the spot for obtaining cash flow from long term rentals. I've identified an opportunity. We'll get into that with this Florida homebuilder shortly. It's kind of funny. You'll run into people that say they want opportunity, but what they really want is certainty. How it plays out, though, is that once the certainty arrives, the opportunity is gone, and that's how to think about Florida and maybe Texas and some of these other markets today that have had price attrition.    Keith Weinhold  10:48   Now, three weeks ago, here on the show, I discussed the 721 exchange for the first time. So I won't get into all those details again when it comes time for you to sell your investment property, the 721 can be the best way for you to cash out. Perhaps you've been investing in real estate for a while and you have turned get rich education into got rich education. How the 721 exchange works is they basically say you have a case where you're a rental property owner and you realize that you don't want the hassles of landlording anymore. Oftentimes, this can mean you're older and real estate investing already took you where you wanted it to take you in life's journey, but you still like the financial benefit that ownership gives you. What you can do is exchange your properties into a partnership and receive shares in that partnership. Now that's different than a 1031, exchange. That's where you trade up some of your property that you directly own for what's usually more and larger property that you directly own. Well, instead, here's the big deal with exchanging your properties into a 721, partnership. The rules stipulate that this is not a taxable event, and therefore you don't have to pay any capital gains tax or depreciation recapture. Now that you're an owner in the partnership, you still get some of the benefits of owning the property, like appreciation and cash flow and such, yet no management or landlording at all like you would have with a 1031 and with a 721 you get all these benefits across a greater number of properties and markets diversification because you're a fractional owner in the other properties that are in the partnership, not only your own, and when you eventually pass away, your shares are stepped up in basis and can be distributed equally to heirs and C It's surely easier for you to divide shares among, say, your three children, than it is to divide your 18 rental houses among three children Who are going to have different goals and varying degrees of financial savvy. So the 721, exchange is a great estate planning tool too. You will have this partnership that makes an offer to buy your property. You're exchanging them for partnership shares. There's a firm that does this called flock homes, and they have a certain Buy Box to be clear with the 721, exchange, you can basically trade your rentals for shares in a diversified, professionally managed Real Estate Fund. This means that you keep your hard earned equity defer capital gains and other taxes, and you still get access to steady income and long term appreciation without the hassle of landlord duties, and you can visit flockhomes.com/gre, and get a free valuation. Get an offer for your property, see if it fits their buy box and see how much they'll pay you. There's often no need to pay to fix up or stage the property for sale or pay agent commissions for a certain investor type. This really can be a rather life changing experience for you to liquidate some or all of your property have zero tax obligation and still enjoy income and appreciation. So again, what you can do is stop by flock homes.com/gre, that's F, l, O, C, K, homes.com/g, R, E, let's discuss the home building climate today.   Keith Weinhold  14:38   I'd like to bring in a premium Florida homebuilder guest to the show, Jim, because there has been more homebuilding in Florida such that some areas of the state have excess supply. And when you add that onto the fact that the hot pandemic migration to Florida has slowed such that home prices have made a rare dip in the state, that is why it. A timely topic. Jim, you're on GRE Welcome to the show. Keith, great to be here. Thanks for having me. Yeah, and we did the IRL thing in Colorado there a few weeks ago. That was great hanging out in person. You provide entry level new build homes, mostly in Central Florida. And these are properties that are conducive to real estate pays five ways. These are properties that investors chiefly buy as rentals. So just bigger picture, tell us about that overall experience over, say, the last five years, as the pandemic wound down,    Jim Sheils  15:35   yeah, as the pandemic wound down, obviously Florida had a lot of attention. Some of it, rightly so, some of it, I think a little more inflated and commercial attention getting thrown at it. And you know, the type of deals that you and I have always stayed away from were very popular in Florida. You know, we're talking really nice houses. Keith, beautiful, nice HOAs people got in in 2021 let's say, with those very low interest rates on a six or $700,000 home, but now they're realizing that it's not going up $100,000 a year as they thought. And when they try to sell it, well, people trying to buy in $700,000 home, they're not getting that low interest rate. And if these people try to hold it and rent it, well, it doesn't cash flow, so it breaks one of those rules. It's not putting money in people's pockets, taking it out. And so we're seeing there was a large distribution of those types of houses around Florida. And then there were some builders like us that really focused on what was the most needed, and that was workforce housing. Now workforce housing, though, Keith, as you know, a lot of the builders don't want to build it. Why? Let's be straight. It's because the margins are lower right. But as you know, with me and my partner Chris, it was always let's make less margin and do more volume. That was always our model, and that was the area of the market where we felt we could build it right, we could get it financed right, and we could manage it right to hit the five things. And so we're seeing today, post pandemic, there are still key markets where the population growth is still the highest, coming into Florida, the prices are still the lowest, and there is a shortage of this type of workforce housing.   Keith Weinhold  17:11   Yes, you've identified a geography within Florida that have some of these characteristics like you're talking about. Tell us more about that region.   Jim Sheils  17:20   Yeah, we call it the Ocala region, so Central Florida, just west of Orlando. Right now, for example, u haul does their U haul top markets rankings every year? So where are the most U haul trucks going to now, you don't want to be on their side where they're coming from, Keith, because that's obviously the opposite. But for the second year in a row, the greater Ocala area has been the number 1u haul destination place in the country. So there's still a ton of population growth going there. Central Florida, I'm not going to say it sat out the growth during the pandemic that a lot of areas of Florida did, but it was starting at such a low basis with such a small amount of attention that today, even when people say, oh gosh, like I just said, house is 600 700 800,000 we're building new construction single family homes for under 300,000 the 270s a lot of the time. And we're building duplexes sometimes for under 400,000 and a lot of our you know, investors coming from the west coast. Say, are these fully built? Are they? But again, Central Florida has had a great affordability. Remain intact. It has a large population going in. There is a ton of job resource just blowing up in the area. And as you know, these are the things we look for. So we bought a lot of lots there. I'm gonna give credit to my partner, Chris. He saw calla more than I did, and we bought a lot of lots there in 2020 so before all the rises. So we got into the land basis, right? So that means we can build them at a great price. Our land basis is low, and that obviously passes along to our clients. And again, Central Florida is a perfect match for our goal. Because, you know, our goal is workforce housing, that cash flows on day one. But also nothing wrong with fixer uppers. I own a lot. I used to do a lot, but the new construction seems to have a little bit more of a less involvement, which it seems like a lot of our clients want.   Keith Weinhold  19:15   That was really prescient, as it turned out, for your business partner, Chris there to gobble up a lot of that land in 2020 before prices went soaring. And this is one reason why you can do things like offer a duplex for less than 400k That's a new build, which has some people saying like, does that thing include a roof even? But it surely does. These are very good quality livable properties. And the reason I have you here, Jim is because you are rare. There are fewer builders today than there were in decades past, and also those that build to your point earlier. They only want to build higher end properties, not the more affordable ones that you offer. We'll get more details on your price points and what properties. Products you offer later. But yeah, we have more remodelers today and fewer builders. And though it's a few years old, I found it interesting that census statistics show us that between 2007 and 2022 there are 73% more remodelers and 21% fewer builders today.    Jim Sheils  20:22   Interesting. You know, Keith, I didn't know that, and that makes me scratch my head on like when you and I were in Colorado, we were talking about future needs, even with growth that occurred during the pandemic going all the way back to oh eight when a real shortage started to start, we are still at an estimated three to 5 million homes short in the US. It really perplexes me that the amount of builders like us will be going down and not actually entering the market.   Keith Weinhold  20:47   Now, among those that are building, though, much of that is concentrated in the South, as I think we know, there's a recent resi club compilation show that 59% of current single family home building is in the south, and 41% is everywhere else. And how do you define the South? That's basically Maryland down to Florida, all the way out to Texas and Oklahoma. So you are pretty rare in some ways. However, where you're building regionally, that's not a rarity there, but yeah, having more remodelers today and fewer home builders, that's probably the result of a lot of things. You know, for one thing, just land and construction costs becoming that much more expensive over the past five years.   Jim Sheils  21:05    Yeah, we've been lucky, too, as you know, Keith, you've been with us for a decade now. But yeah, and we transitioned a piece of our company where Sumitomo forestry, large Japanese group stepped in and acquired a piece of our property. That was a very exciting thing for all of us together, because we had done well, and, you know, started small and built up to a decent sized builder for Northeast Florida and then the rest of Florida. But now, with Sumitomo coming in again, they build 17,000 homes worldwide every year, between all of their builders. Now being a part of them, we get to use their national material accounts, so they get pricing just as good, if not better, than national home builders, and they let us do our thing, stick to our build to rent, working with investor clients. We're not retail buyer guys, really. We like working with our investors, but just getting those great discounts on materials, again, we're always looking to pass on savings to our clients. Of course, we got to make margins as well, but if we're getting in with deals like that, getting into the land right, and knowing the pinpointed areas to get into, we can get the best deal for everyone. And that's been a major part having such a big, successful partner like Sumitomo keep us healthy, viable and able to do things we could have not even dreamed of five years ago.   Keith Weinhold  22:47   Yes, that gives you more capital and more options. Another unusual aberration in the market that really centers on a lot of what you do is that this fact that and this was mentioned on the show last year for the first time in my life, existing homes cost more than new build homes. Existing homes at about 420k nationally, and new build homes about 392k part of the divergence there is probably builder price cuts. So tell us more about that.    Jim Sheils  23:14   I think the issue Heath is builders built for largest spreads, and people bought very emotionally. I think you're to give you a compliment a very unemotional real estate buyer. You're not looking at, oh, this is a very nice, you know, extra his and hers porcelain sink. And we're looking at fundamental numbers a good, solid property. And I think what's caused a lot of that is people did the opposite. Builders were looking for the largest margin they could get, which was on those types of properties. And then buyers were looking very emotionally, and they were told, Hey, this is going to go up 50 to $100,000 a year. So just sit there and hold on, sure you'll lose $1,500 a month, but don't worry about it. You'll make up for that every year. And obviously we're not seeing that's true. They could have really used your class about the five ways to get paid in real estate. And I think that that's what's doing it. And this is what builders do. I mean, everyone's in a business, and a lot of builders just focus on the largest margin. Now that's eating them up now, because those types of properties are not in demand. To build them on spec would be very dangerous, but you can see that that worked for a short term. We're very glad we went to the low margin workforce housing model, because I see that falling out of favor almost never even in Oh 809, Keith, when I was in the remodel game, a lot of the properties that were new construction coming out that time they were affordable, still did very well.   Keith Weinhold  24:42   We're talking with a premium Florida homebuilder today, because they offer affordable properties that make sense for investors. But what about the demand? Where is that going to come from? Where is that going to be? And that's what's happening with the renter segment. We'll talk more about that when we. Come back. You're listening to get rich Education. I'm your host. Keith Weinhold,   Keith Weinhold  25:03   flock homes helps you retire from real estate and landlording, whether it's one problem, property or your whole portfolio through a 721, exchange, deferring your capital gains tax and depreciation recapture, it's a strategy long used by the ultra wealthy. Now Mom and Pop landlords can 721, the residential real estate request your initial valuation, see if your properties qualify@flockhomes.com slash GRE, that's F, l, O, C, K, homes.com/gre.    Keith Weinhold  25:39   You know, most people think they're playing it safe with their liquid money, but they're actually losing savings accounts and bonds don't keep up when true inflation eats six or 7% of your wealth. Every single year, I invest my liquidity with FFI freedom family investments in their flagship program. Why fixed 10 to 12% returns have been predictable and paid quarterly. 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Start your prequel and even chat with President chailey Ridge personally, while it's on your mind, start at Ridge lending group.com that's Ridge lending group.com   Ken McElroy  27:26   this is Rich Dad advisor, Ken McElroy. Listen to get rich education with Keith whitehold, and don't twitch your Daydream.   Keith Weinhold  27:40   Welcome back to get rich Education. I'm your host. Keith Weinhold, we're talking with Jim a premium Florida homebuilder here at such an interesting time in the cycle, since supply is up in some parts of Florida, Jim and his team has strategically chosen a place that is still fueling a lot of net in migration in Central Florida, and that's where the rental demand needs to come from as well. Now nationally, we've seen the homeownership rate fall over about the past year, from near 66% to near 65% that does not sound like much, but a 1% shift means there are 1.3 million new renters in just the past year. So with that in mind, and the fact that this low affordability for home buying means that people need to rent or stay renters longer, provides some of the Sustainable demand. So tell us more about the rental demand in Central Florida.   Jim Sheils  28:39   Yeah, you know, when we first went out there about a decade ago, Keith, I think it was 82 or 83% of all properties out there were owner occupied, which means it was a very lopsided amount of existing rental property available. And this is before the curve of population growth really took off. But when Chris and I went out there and we were assessing that small percentage of rental property that was out there. Gosh, it was old and kind of beat up. There was not a lot like the new construction that was available. So when we brought in new construction, we saw just the competition. Was hard to compete with us. You know, when it was an older, not so nice taking care of we came in and we saw a jump from, you know, doing older houses ourselves, you know, a person would stay about 13 months. But for the new construction in Central Florida, we've seen a jump to about three years. So that's really positive. People get into a new construction property they don't want to leave, whether that's half of a duplex or a single family. The duplexes are interesting because we're able to build those on infill lots and existing single family home neighborhoods, so a person who doesn't want to live in an apartment can live there, have their own yard, and they couldn't afford the whole single family, but to have half of a single family basically what a duplex is. It makes a big difference, and the people are in great demand of rental in Central Florida there because of exactly why. I said, Keith, the job. Course, continues to grow in Central Florida, extremely strong. The business incentives to come into the area by the local municipality is very, very good. So here's something interesting, Keith, the average salary in Ocala is about 72,000 and the average home price is about 298,000 that is a very healthy affordability one. Yeah, very, very good. And so that job source continues to pay very well. And we've talked about just the logistics centers and the Equestrian Center. That's the largest in the world. Now the villages are just 25 miles south. So Ocala becomes a bedroom community, and that is the second largest retirement community and growing in the US. So there's a lot of job source that allows people to live there at a good affordability. And so that combination of affordability with this extending job source has been really, really good for the Ocala region.   Keith Weinhold  30:59   It's been said that the only place you get money is from other people, and we're talking about your renters in this case. So oftentimes these renters, they had their sense of privacy there, like, for example, do the duplexes even have fenced backyards for each individual side,   Jim Sheils  31:17   depending on where they are? We will. Other times it hasn't been a requirement. We've done lots of surveys to see is it worth the price point to put in full fencing in certain areas. It can be in a lot of areas. Keith, they're just so excited with the price point not having to move into an apartment building that it hasn't even been warranted or necessary.   Keith Weinhold  31:38   Yeah. So we're talking about livability characteristics here, because oftentimes new build rental property results in a higher tenant stay that longer duration, because they're the first person that have ever lived there, and it's also difficult for them to go out and improve their living situation unless they become a home buyer, and that's difficult to do today. Tell us more about the incentives and the property types and so on, because there really are some pretty exciting ones.    Jim Sheils  32:09   One of the best things about Central Florida, Keith, combined with new construction, is insurance costs. Now you and I have laughed about the blanketed statement where you said, oh my goodness, you cannot get insurance in Florida. You can't get property insurance in Florida, or it's doubled, tripled, gone up 7x that is a true statement on certain properties. If you're buying older properties from the 1950s that are within a half mile of the beach on low lying ground, but new construction properties far away from the beach, that is a totally different things. So again, being in Central Florida, where we are, a lot of people think, oh, to insure a single family home there, that's going to be several $100 a month, when actually, you know, and you've seen a lot of our performer quotes, our insurance companies are getting a single family home done for about $65 a month on average, full coverage. And that's the advantage of new construction. Insurance companies are all about risk. They analyze risk. When you're on a new construction property built on higher ground away from the beach, they like that, and they do that a duplex. You're looking at about $100 a month. So incentive wise, we've really searched to team up with great insurance companies that get the best rates full coverage. And again, we surprise people when they say, Oh man, I thought there would be a whole nother zero at that monthly cost. And these are actual quotes, as you know, with working with a lot of GRE people. So that's one great thing, another great thing, Keith, that happened when we joined forces with Sumitomo. And again, Sumitomo 320, years old, one of the biggest powerhouses out of Asia, Warren Buffett, is very heavily invested in another one of the conglomerates, not the housing one we do, but he's very involved in one of their other companies. And when they came aboard, you know, we have no bank debt for a builder, which is rare. And since we have such a healthy balance sheet, we're actually able to work deals with mortgage companies where we'll do what's called builder forward commitments, Keith, and that means we will pre buy mortgages for our clients, for the homes we're building, and we will pass that savings along. So right now, you know, if an investment property in a duplex might be an average of 7% for anyone who walks in off the street to a bank. Right now, our most popular rate program for our investors, for single family or duplexes, is 3.75 Gosh. So as you know, for your five ways, if we want to get cash flow, there's a big difference. Yeah, we're getting affordable housing. But if the rate is over 7% compared to 375 that could eat up the cash flow with us being able to have this power to buy large tranches of money and pass it along and lock our people in again, an average right now at 3.75 is our most popular program, and that's long term money, then we're able to get that cash flow right off the bat. And you and I know how important that is   Keith Weinhold  34:50    for this super attractive 3.75% long term mortgage rate on single family homes and duplexes. How? Much does the buyer have to come out of pocket at the closing table to buy that down themselves? And how much do you the builder participate in that buy down?   Jim Sheils  35:07   You know, it depends Keith at different times, because there is a little bit of a fluctuation. Sometimes it can be as low as zero points or just one origination point to bring it in. It does vary. And also, if people say, hey, I really don't want to bring in any points. Well, that's fine. You know, if you don't want to walk in zero to 2% points for that, you can also just raise your rate up to four and a quarter and probably walk in nothing. So there's different things that we can do, but the goal of it is to have us have the brunt of it. And what I can tell you is, if the average person walked into a bank, and a bank wouldn't do this anyway. It's only for, again, builders with a certain size, but if you went into a bank right now and said, I'd like to buy my rate down to 3.75 the average Keith that this would cost a person off the street going into a bank would be 12 to 15% banks wouldn't even do it for an individual. But that's about the estimates when you look at it. So again, volume has privileged. The fact we're able to buy it down. It does cost us a good amount of money, but we're all able to save since we're kind of working together to buy these larger tranches. And again, the need of any investment for buying down the rate from the clients is very minimal.   Keith Weinhold  36:18   Tell us more about the property types, new build single family homes, new build duplexes.   Jim Sheils  36:23   You know, single family and duplexes are our main focus in 2026 for Central Florida, we've done the research. They're very high in demand. They rent quickly, and they rent long term to produce cash flow. Our average single family home under 300,000 we're aiming to after expense, make about $300 cash flow. Our duplexes should be about twice that amount, about just under $600 a month, or just over in cash flow. And then again, the prices are ranging from about 395, to 420, for a duplex. Again, these are in workforce areas where we're doing great, scattered lots. Scattered lot means there's already existing homes around. We like to go to an area where there's good a fundamental balance of homeowners and renters. So there's retail buyers that have bought their first home, and we will place our rentals in between them, whether it's a single family or a duplex.   Keith Weinhold  37:13   We sure don't need to do a complete audio pro forma here, but those cash flow amounts something near $300 for a single family home, and about double that for a duplex. Is that using, you know, a bought down rate to about 4% and some of these other inputs you're talking about, like low insurance costs and a certain property tax rate, can you tell us about that?    Jim Sheils  37:35   Yeah, property tax rate is property tax rate. We can get pretty dang close on property taxes, you know, based on millage and get that down. But when we do our performers, we absolutely go off of, you know, our average rate to be the 375, to four and a quarter. And then when GRE clients look at our performer, and they look at the insurance cost, that's an actual quote from one of our insurance companies that has insured hundreds and hundreds of these properties. Not a guess, yeah, so they know what they're doing. So yeah, those would be the assumptions made in there, and that's what we're basically getting on a week in, week out basis.    Keith Weinhold  38:09   That is really attractive as we're talking about new build. I imagine there is some sort of builder warranty as well.    Jim Sheils  38:16   There's a state mandated 210 warranty. 210 warranty is something we could talk probably a whole episode on Keith. But for what's good for people to know, basically what that means, you get two years coverage on the small stuff and 10 years coverage on the big structural stuff. And so that's why I like new construction. You know what? I used to personally just buy my own fixer up Return key properties from other people. I could get a one year warranty, and that's the best that really can be done. Now with new construction, we've gone from, you know, with our fixer upper homes, able to do a one year warranty, which is good at something. But now with new construction, we can do a 210 warranty, big difference, and also really helps the safety score of issues if they came up.    Keith Weinhold  38:59   We were talking about new build property, and we tend to project relatively low maintenance and repair costs for an obvious reason, maybe your long term vacancy rate could very well be lower as well, due to my earlier point about a tenant wanting to stay there for a long time, because it's hard for them to improve their living situation unless they went out and bought their own place. And you have the low insurance rates, and you have the low mortgage rates, all contributing to positive cash flow on a new build property. And we think about that tenant and what gets the tenant excited? We start to think about some of those amenities. So tell us about what amenities are offered, including inside, in the kitchen and so on.   Jim Sheils  39:38   Jim, yeah, great question, Keith. We've really gotten a great recipe for success for that. You know, we've been doing this a little over a decade now, and so you're always tweaking your build model. What do people like? What do they not like? What's good for durability? Let's look at maintenance and repairs. Let's look at turn costs. So our goal is always the dual focus. That's what looks good. And what lasts really well, yeah, because you want durability. When you have tenants, you want it to look good, so you sell it down the road, 510, years to a first time homebuyer, it looks great. You can sell it. But durability wise, you don't want a lot of extra expenses or maintenance and repairs. So we go durability. So what we found a couple of things. I always joke about this. I do not like the word carpet, Keith, that is a terrible swear word in real estate investing, I can tell you right now, if I could go back and this is not, you know, owning hundreds of rentals, if I could not have done carpet and just reversed it to like vinyl plank flooring, like we do now, or even tile, which was more, I probably would have been able to buy three or four of our duplexes cash with the amount of money, and that is not an exaggeration. So we do not do carpet. First of all, it seems like trends are changing. It's not in favor right now. So we do vinyl plank flooring, which looks really nice, almost like wood floors, super durable, though, for a young family that's going to be tenant occupied in your property and running around on it. That's great. Kitchen wise, again, we don't sell retail really. We like to work with investors, but down the road, our investor might want to sell to a retail buyer. So we know, you know, from our old fix and flip days of the FHA buyers, the kitchen's got a pop. So we always do, you know, we don't do the white appliances, which you know would save you quite a bit of money, and save us quite a bit of money. We do stainless steel appliances. We do all new cabinetry, you know, kind of the latest, nicer cabinetry, a little bit of an upgrade. And then, you know, butcher block countertops, those are going to wear in about a year or two. Keith, it feels really good to spend that smaller amount, you know. But we, we like to do the more durable, nice looking countertops, you know, that are, you know, just so much more esthetically pleasing and actually durable as well. Same thing in the bathrooms. A lot of new builders will do shower kit, which not a problem if you're saving money on a rehab, you know, but we would rather do tile, bring in the extra subcontractors to give tile, and then in the master we do the dual sinks, which this might sound like little stuff, Keith, but these are the micro movements that help get a tenant in quicker, stay longer and more rent. So we're always trying to do these extra things in the granite countertops, both in the kitchens and in the bathrooms. Those cost more upfront, but we see for long term of tenant we see, for the amount of rent we get, and for resale ability, because a lot of people don't think about that. You know what? In seven years you want to sell one of these properties? Well, it's a seven year old roof, it's seven year old plumbing, you're still in a great spot for an FHA buyer. And that esthetically pleasing flooring, bathrooms, kitchens. That allows an easier sale for them, because we want to look all the way around, not just a rental. I like to hold long term, but if you want to sell in five to 10 years, that's a very valid strategy.    Keith Weinhold  42:48   I like carpet in my own home, but not rentals. But what you're sharing with us, Jim, this is absolute gold that's been brought to you through experience. This over improvement versus under improvement line in rentals, and it really has a lot of balance between durability and price. These are the sort of things that really matter, but you are selling predominantly to individual investors, a lot of mom and pop investors. Why don't you make more sales to the retail, owner occupied market, or to institutional investors, even though that might be cracked down upon now. But why don't you sell to those parties?   Jim Sheils  43:26   Yeah, you know Keith, I did a lot of fix and flip to FHA buyers, and I'm an investor. I really like working with investors. So when this all really went back to is 2009 I had a lot of investors. I was in Northeast Florida. The deal flow was incredible. And I just had a lot of investors, you know, through my different networks and Masterminds, like, where you and I have met, and said, Hey, you're getting great deals in Northeast Florida. Could you help put some together for me? And so I had done quite a few fix and flips to retail buyers, and it just kind of hot on me, you know, way back then, like, Wow. I like working with investors. I like building portfolios. I also like the fact that when I'm normally building a portfolio for an investor, well, they hang out with other investors, and they're not looking to buy one property over the next five years. They're looking to buy five to eight properties over the next five years. great point. And so we just saw it as you gotta like who you work with, right? And nothing against first time homebuyers. But when I was rehabbing houses and selling them, golly, that was a lot of work. And then could be persnickety. Yeah, very persnickety. And so when Chris and I teamed up about 10 years ago, we had both gone through the same kind of aha, like going, Yeah, it seems great, but you could sell for more to a retail buyer. But again, like I go back to even the type of property we build, we'd rather do a volume with investors. Be a builder, buy investors for investors, and work that way. And I think it suits me. I think I would have probably hung up my shoes a long time ago if I was. Working with the amount of properties we've done with retail buyers compared to investors, honestly, and so I think it was just kind of, it was a preference, really, that made sense   Keith Weinhold  45:09   to your point. Investors buy multiple properties, and that way there are fewer parties to deal with. And investors tend to be less emotional than those more persnickety, owner occupied buyers. Well, Jim, you make it easy for investors. Besides all these incentives, you also offer an in house management solution for these investors, often that tend to be out of state. Well, Jim, before I ask you, if you have any closing thoughts, would you the listener like to ask Jim any question directly? Well, you can, because I have a great event to tell you about next Thursday, the 19th, at 8pm eastern Jim here and GRE investment coach, Naresh will co host a live webinar for Central Florida new build income property. In fact, Jim, I think you know Naresh longer than I have, as it turns out, but this event is free, and you the listener are invited. We've had between 250 and 550 registrants for our past webinars. Not all of them attend live. So the benefit of you attending live is that you can have any of your questions answered by either Naresh or Jim in real time, and besides learning about the Central Florida market and more about home building, you are going to see available new build income property, real addresses with some of these rather grand incentives that we've talked about here, you might end up with a long term rate of about 4% again, it is Thursday, the 19th at 8pm Eastern. Sign up is open now at grewebinars.com that's grewebinars.com Any final thoughts here, Jim, for this great event coming up next week?   Jim Sheils  46:52   I think we're going to dig a little deeper. Obviously, this is a conversation that was great, but moves pretty quickly when we talk next week, we're going to be able to dig into more of the fundamentals, some of the stats, and just get underneath the hood of why Central Florida is making so much sense, and just some of the rising stars that we're seeing there that we're very excited to be a part of.   Keith Weinhold  47:13   You've helped our listeners for close to 10 years now. It's been an informative chat as always. Thanks so much for coming back onto the show.    Jim Sheils  47:21   Thanks for having me, Keith.   Keith Weinhold  47:27   Yeah, like our guest touched on Ocala, Florida now has national recognition as the fastest growing city in America, and that's for the second year in a row. According to a new U haul report, Florida is, of course, a rather landlord friendly state. In fact, Florida is the first state to enact a law that allows law enforcement to immediately remove squatters, distinguishing them from legal tenants. Now here's what's interesting and why I've identified this opportunity if Florida prices dipped because people were leaving now, that could be a red flag, because population loss is like gravity. Once it starts falling, it is hard to escape. But that's not what's happening. Instead, what we're seeing is a temporary overbuild hangover. Builders got ambitious. We're in a brief period where supply outran demand and prices softened. That's not decay. That's a sale rack. Any vacant homes are not stranded. They're being absorbed by Florida's still growing population, which has now increased every single decade since its first census count, back in the year 1830 back in 1830 there were about 35,000 residents in the whole state. Isn't that amazing today? North of 24 million, that is 700x population growth in almost 200 years, and it's still growing. That kind of trend doesn't reverse because a few builders over ordered inventory here at GRE this made us target and find in opportunity. This isn't an accident. Central Florida is this year's most compelling. Housing market in that region, Central Florida, is growing faster than the rest of the state at large, and it really sits in the sweet spot of this temporary imbalance. One long established builder overbuilt and now they're motivated. They know what investors want. So, for example, they don't build swimming pools with their homes. They also offer property tours, and over 90% of their tour attendees buy property. They're willing to offer terrific incentives at our upcoming GRE live webinar, like we touched on new build single family rentals, 270k and up duplexes, three. 95 to 420, long term mortgage rates as low as 3.75% you get low insurance rates since they're inland and new build positive cash flow and a builder warranty at the event. You're going to learn all about the growth drivers in Central Florida, why so many renters are moving there and see available properties. This benefits anyone looking for a clear, practical view of current real estate conditions. Joining live does matter, since you can have those questions answered in real time, not after the opportunity has moved on, you are invited for next Thursday, the 19th, at 8p m Eastern. This one is worth circling, not because it's flashy, because it's timed right. Sign up is open now @grewebinars.com that's gre webinars.com. Until next week. I'm your host. Keith Weinhold, don't quit your Daydream.   Speaker 5  51:00   Nothing on this show should be considered specific, personal or professional advice. Please consult an appropriate tax, legal, real estate, financial or business professional for individualized advice. Opinions of guests are their own. Information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of get rich Education LLC, exclusively.   Keith Weinhold  51:29   The preceding program was brought to you by your home for wealth, building, get richeducation.com  

There's been a recent flare-up in the pelvic rehab world around cash-based versus insurance-based care. And while emotions are running high, we wanted to pause the noise and add something that feels increasingly rare: context.In this episode, we start with what we all agree on:Every pelvic PT and OT is doing their best for their patientsWe all want clinicians to be paid fairly and sustainablyMore practice models = more options for both clinicians and patientsPatients benefit from having real choicesWe should be referring to one another, not competing against the field itselfThe current medical system requires both insurance and cash-based care — in every country we've seenFrom there, we address the two biggest areas of disagreement head-on.First, the claim that cash-based practices reduce access to care. We walk through the data around deductibles, waitlists, and real-world barriers to care — and why more options actually increase access, not reduce it.Second, the idea that one model inherently produces better care. We're very clear here: you can get excellent or poor care in any setting. But when you take the same caliber clinician, the environment matters — and we explain why time, autonomy, documentation burden, and feedback loops change outcomes.This episode isn't about picking sides. It's about understanding incentives. And it's about recognizing that the growth of pelvic rehab depends on all of us moving forward together.About UsNicole and Jesse Cozean founded Pelvic PT Rising to provide clinical and business resources to physical therapists to change the way we treat pelvic health.   PelvicSanity Physical Therapy (www.pelvicsanity.com) together in 2016.  It grew quickly into one of the largest cash-based physical therapy practices in the country.Through Pelvic PT Rising, Nicole has created clinical courses (www.pelvicptrising.com/clinical) to help pelvic health providers gain confidence in their skills and provide frameworks to get better patient outcomes.  Together, Jesse and Nicole have helped 800+ pelvic practices start and grow through the Pelvic PT Rising Business Programs (www.pelvicptrising.com/business) to build a practice that works for them! Get in Touch!Learn more at www.pelvicptrising.com, follow Nicole @nicolecozeandpt (www.instagram.com/nicolecozeandpt) or reach out via email (nicole@pelvicsanity.com).Check out our Clinical Courses, Business Resources and learn more about us at Pelvic PT Rising...Let's Continue to Rise!

Join us LIVE on February 12th at 1:00 PM CTHow Accountable Is Your Insurance Agency—Really?

Don't get to the end of this year wishing you had taken action to change your business and your life.Click here to schedule a free discovery call for your business: https://geni.us/IFORABEDon't miss an upcoming event with The Institute: https://geni.us/InstituteEvents2026Shop-Ware gives you the tools to provide your shop with everything needed to become optimally profitable.Click here to schedule a free demo: https://info.shop-ware.com/profitabilityTransform your shop's marketing with the best in the automotive industry, Shop Marketing Pros!Get a free audit of your shop's current marketing by clicking here: https://geni.us/ShopMarketingProsShop owners, are you ready to simplify your business operations? Meet 360 Payments, your one-stop solution for effortless payment processing.Imagine this—no more juggling receipts, staplers, or endless paperwork. With 360 Payments, you get everything integrated into a single, sleek digital platform.Simplify payments. Streamline operations. Check out 360payments.com today!In this episode, Lucas and David are joined by Andy Tirado, co-founder of the ADAS Network. Andy discusses the challenges of delivering relevant, effective technical training across the automotive industry, highlighting the critical need for trainers to adapt content to local cultures and shop-specific needs. The conversation also explores the complexities of ADAS calibrations, from misinformation in service procedures to pressure from insurance companies.00:00 Struggles with Local Training Participation08:25 Improving Training Accessibility and Retention10:24 "Training, Culture, and Communication"20:09 "Missed Details in Calibration Procedure"23:44 "ADAS Resource and Referral Network"28:45 Greed, Insurance, and Right to Repair33:43 "Taking Control of Business Processes"40:54 Braking System Safety Concerns46:09 Counterfeit Parts and Industry Issues52:21 Car Alignment and Calibration Costs53:56 "Trusting My Chosen Shop"01:00:05 "ADAS Insights and Validation"01:03:33 "Aligned for Selfless Collaboration"

Insurance premiums doubling… tripling… and companies still denying claims. Should you just self-insure and be done with it—or will that decision wreck your finances when disaster hits? In this episode of Farming Without the Bank, we dig into Chapter 8: Building Your Warehouse of Wealth and talk about what self-insuring really looks like using cash value life insurance, and where it absolutely does not make sense to go it alone.

In this episode, we are doing something a little different. Casey Nelson and I hosted an open call live one day and we called it the lazy river. WE wanted to invite people to "float in and hang out ad float out. Ive provided a few clips here for you guys to check out. WE will release the whole 2 hours some day soon... but for now this clip is about authentic leadership, engaging communication, and innovative work practices that can transform organizations. Whether you're speaking on stage, building relationships, or managing teams remotely, these insights provide practical strategies to lead with confidence.Key Topics:The importance of genuine interactions and how authenticity impacts leadership credibilityStrategies for modularizing content to adapt in dynamic speaking environmentsMemorable name drop stories and their impact on personal brandingTips for effective networking at high-profile events like Bill Gates's houseHow to test and engage audiences during keynote speechesThe role of diversity and gender dynamics in leadership credibilityFuture workplace trends: remote work, flexibility, and the four-day workweekLeveraging your unique strengths and circumstances to attract and retain talentPractical tips for transitioning from traditional to hybrid or virtual formatsTimestamps:00:00 - The value of authentic interactions and sharing personal stories02:24 - Memorable name drops and their role in networking04:41 - Insights from high-profile meet-and-greets and leadership impressions06:03 - Authenticity as a female CEO and gender dynamics in leadership08:28 - The power of candid panel discussions and last-minute updates09:28 - Modularizing content for impactful speaking engagements11:20 - Testing audience engagement in real-time during speeches12:50 - Perspectives on remote work, office culture, and flexibility14:45 - The future of work: four-day weeks and employee well-being16:20 - Strategies for small businesses to compete with large organizations17:13 - Wrapping up with humor and connecting through genuine communicationSPONSORS:Smart ChoiceCanopy ConnectMAV

How are rising trucking insurance costs quietly driving up your shipping rates and overall freight market pricing? In this episode, Chris Loewenberg from Cottingham & Butler get real about trucking insurance, risk management, and why so many companies treat insurance like a fixed tax instead of a controllable business asset that can either protect or bankrupt your operation! From the dangers of static COIs and the urgent need for real-time insurance verification technology, to the impact of nuclear verdicts, new carriers, and rising insurance premiums on shipping costs and inflation, this conversation is all about practical freight brokerage insights and proactive strategies. We also cover how partnering with specialized trucking insurance providers, building stronger safety programs, and collaborating early with insurance partners can reduce uncovered freight risk, improve pricing, and give compliant carriers and brokers a serious competitive advantage in today's trucking industry!   About Chris Loewenberg Chris Loewenberg is a Vice President at Cottingham & Butler, the nation's largest independent insurance agency dedicated exclusively to the trucking industry. He leads inside sales and technology initiatives focused on small and mid-sized fleets, helping carriers navigate rising insurance costs, increasing complexity, and tighter underwriting scrutiny. With a background that blends sales leadership, insurance expertise, and technology innovation, Chris works at the intersection of trucking operations, risk management, and data strategy. He partners closely with leading technology vendors across the transportation ecosystem to improve how insurance information is collected, validated, and used—reducing manual re-keying, accelerating quote turnaround times, and strengthening trust between carriers, agents, underwriters, and technology providers. In addition to his leadership role, Chris oversees and helps develop Cottingham & Butler's intern and early-career talent programs, working closely with universities and athletic departments to introduce students to sales, insurance, and risk management careers. He is passionate about mentoring young professionals, building high-performing teams, and creating clear development paths from internship to full-time roles. **************************************************************

In this quick Efficient Friday episode, Libby breaks down a stat that should stop every advisor in their tracks: 85% of clients have thought about switching advisors in the last year

Thirty-six hours before his wife was scheduled for a major surgery, New York Times personal finance columnist Ron Lieber got a letter in the mail that sent him reeling. Insurance was denying prior authorization for the surgery. The only way forward would be to appeal the decision. But it was Saturday night, and the surgery was Monday morning. There wouldn’t be any time. Should they even go to the hospital? They decided to bet on being able to reverse the denial later on, but the last minute coverage questions left Ron’s wife, New York Times reporter Jodi Kantor, going into surgery that Monday with a brand new sense of stress and anxiety. And along with worrying how his wife's surgery would go (spoiler: it was successful), and whether they’d end up on the hook for a bajillion dollars, it left Ron to wonder why no one had given them a heads-up earlier. He set out to find answers — and whether there might be a way to prevent these last-minute denials from sneaking up on other people. Ron turned to his "Your Money" newsletter subscribers for ideas, and eventually published a draft letter in his New York Times column that doctors and other health care providers could give their patients to better prepare them for insurance curveballs. Check out the column here – and consider passing it along to any health care workers whose patients you think might benefit. Here’s a transcript of this episode. Send your stories and questions. Or call 724 ARM-N-LEG. Of course we’d love for you to support this show. See omnystudio.com/listener for privacy information.

BOOK A DEMO– Agency Coach AI                                                                                       Learn More: Let's Chat                                                                  Watch the full episode on YouTube: HEREWhat's in this episode:Hiring doesn't fail because of a lack of applicants—it fails because most agencies make the process too easy.In this episode, Michael and Courtney break down the exact interview framework they used to eliminate over 90% of unqualified candidates and hire two top-tier sales professionals—without wasting time.You'll hear real numbers, real drop-off data, and the step-by-step hiring process that filters for character, consistency, and follow-through before you ever get on a call. If you're tired of bad hires, ghosting, and constant turnover—this episode is your blueprint.[00:00] Why the hiring process should be difficult[01:00] The #1 people problem agency owners face[02:10] The multi-step hiring framework overview[04:20] 105 applicants → what happens next[05:00] The assessment step that eliminates 75%[06:40] Why video interviews matter[08:50] Red flags that disqualify candidates instantly[10:00] Who actually shows up to interviews[11:20] From 105 applicants to 2 hires[12:45] Why hard upfront = easy long-term[14:30] Character vs skill in hiring[16:10] Final hiring advice for agency ownersBOOK A DEMO– Agency Coach AI Learn More: Let's Chat https://agencycoachai.com The first 24/7 AI sales coaching platform built for insurance pros. Real-time grading, role plays, and coaching that help producers close more deals. TEXT MICHAEL DIRECTLYHave a question or want to talk to Michael directly? It's really him, not a robot. Text “BUZZ” to (816) 727-7610 FREE 7-Day Demo – Weaver Sales AcademyTry it: CLICK HERE Tools + Free Resources https://www.weaversa.com Connect with Michael OnlineLinkedIn: linkedin.com/in/michaelweaverwsaYouTube: @michaelweavertrainingFacebook: facebook.com/themichaelweaverInstagram: @michaelweaver

Why stories beat pitches, why showing up still matters, and what this series is about.Eric Kasimov sits down with Mitch Long to kick off The Long Game. Mitch has been in the insurance business for over 30 years. He started with a pager and a roll of quarters. He built his book by showing up every Tuesday until people just started handing him the business. Now he's here to have conversations with business owners about how they got where they are — the real version, not the LinkedIn version.What We Talk About:Criminal justice major to insurance salesmanThe 93-year-old woman and the bell storyWhy face-to-face still matters (and why it's not enough anymore)Pagers, Blackberries, and the quarantine pivotThe buggy whip salesman problemNIL, college sports, and what it means to stay relevantChapters:00:14 – What this show is and how conversations work01:00 – Mitch's path into insurance08:27 – Podcasting as a way to connect13:00 – Old school meets new school21:30 – Adjusting how you reach people23:45 – Pagers, payphones, and quarters26:00 – Blackberry, Gateway, and what happens when you don't evolve28:00 – The buggy whip salesman30:00 – Mitch's grandfather sold matches31:30 – MC Hammer selling records out of his trunk32:01 – NIL and financial literacyConnect with Mitch LongLinkedIn | KazInsuranceMore from the KazSource NetworkAmbient Influence in Content — KazCMThe Benefits and Issues of NIL — SportsEpreneurIs College Still Worth It? — Entrepreneur PerspectivesAbout This Podcast and SeriesThe Long Game is a series under Entrepreneur Perspectives. Produced by QuietLoud Studios — a modern media network and a KazSource brand.Get in touch with Eric Kasimov:X | LinkedInCredits:Music by Jess & Ricky — SoundCloud

Pool Pros text questions hereIn this episode of the Talking Pools podcast, hosts Steve and Wayne discuss the ongoing trade show season in the pool industry, the impact of weather on attendance, and the importance of insurance and liability considerations for pool service professionals. They share personal anecdotes and insights about navigating trade shows, the significance of networking, and the challenges of managing liability in pool services, especially concerning diving boards and hillside pools.TakeawaysTrade shows are crucial for networking and education in the pool industry.Weather can significantly impact attendance at trade shows, but it's not the only factor.Insurance coverage is essential for pool service professionals to protect against liability.Diving boards and slides pose significant risks and require careful management.It's important to have clients sign hold harmless agreements for risky features.Trade shows can be expensive, but they offer valuable opportunities for learning and connection.Understanding the nuances of insurance can save professionals from costly claims.Networking at trade shows can lead to long-term industry relationships.The timing of trade shows is often influenced by economic factors and industry schedules.Attending trade shows requires planning to maximize benefits and minimize costs.Sound bites"Trade show season is well underway.""It's all about the money.""Insurance claims can be costly."Chapters00:00 Trade Show Season Insights17:06 Navigating Pool Inspections and Liability24:43 Navigating Legal Risks in Pool Service25:43 Understanding Liability with Diving Boards and Slides28:16 Risk Management Strategies for Pool Service Providers29:28 The Importance of Communication with Clients29:54 Trade Shows: Opportunities and Challenges33:55 The Evolution of Trade Show Costs36:52 Feedback and Interaction at Trade Shows38:23 Maximizing Value from Trade Show Attendance41:59 Common Pool Maintenance Challenges47:58 Conclusion and Listener Engagement LaMotte CompanyLaMotte Company is a leading manufacturer of water quality testing products & pool test kitsCalifornia Pool AssociationPool Industry Trade OrganizationCMAHCThe Council for the Model Aquatic Health Code promotes health & safety at public swimming poolsDisclaimer: This post contains affiliate links. If you make a purchase, I may receive a commission at no extra cost to you.Support the showThank you so much for listening! You can find us on social media: Facebook Instagram Tik Tok Email us: talkingpools@gmail.com

What does effective leadership look like as data, AI, and technology continue to reshape the insurance industry? In this episode, host Ben Markland is joined by Nicole Farley, Sn. VP, Chief Insurance Officer at Bold Penguin, for a practical conversation on digital distribution, data driven decision making, and leading through change. Nicole shares how technology is being used to support agents, why excess and surplus business is growing, and what guardrails matter most as AI becomes more common across insurance. This episode offers clear takeaways for leaders navigating change while keeping relationships and trust at the center of the business.

In this episode, Brittany Ransom investigates the Tulsa Race Massacre of 1921, one of the deadliest and most deliberately obscured acts of racial violence in American history. What happened in Greenwood, often called Black Wall Street, was not a riot, it was a coordinated assault that left as many as 300 Black residents dead, more than 35 city blocks destroyed, and over 10,000 people homeless.Early reports falsely minimized the devastation. Decades later, survivor testimony and official investigations revealed a very different truth: white mobs looted and burned Greenwood block by block, while airplanes flew overhead, dropping incendiary devices and firing into the neighborhood. Homes, churches, schools, hospitals, and businesses were reduced to ashes in less than two days.More than 1,200 homes were burned, with property losses exceeding $1.5 million in 1921—the equivalent of tens of millions today. Insurance companies refused to pay claims. Families were forced into Red Cross tents through the winter. City officials worked to bury the evidence and erase the crime from public memory.This episode confronts the uncomfortable reality that the perpetrators were never held accountable, and asks what it means when a mass killing goes unpunished.Follow and join the conversation:

Roma Pithadiya is the President and Chief Executive Officer of Affordable Insurance and Financial Services (AIFS), a financial services and insurance advisory firm based in the Dallas–Fort Worth area of Texas. She is a seasoned financial professional and entrepreneur with extensive experience in insurance, financial planning, and wealth protection.Roma immigrated to the United States with limited resources and has built her career from the ground up, becoming a respected advisor to individuals, families, and small businesses in matters of health insurance, life insurance, auto and home protection, and long-term financial planning. She has been active in the financial services industry for well over a decade and is known for her deep commitment to client education and advocacy.She is also recognized as a Million Dollar Immigrant, a title reflecting her journey from starting penniless in the U.S. to achieving significant success in the insurance and financial advisory business.In addition to her executive role, Roma engages heavily in community service: she is active with the Lions Club, participates in senior citizen organizations, and serves on committees for cultural and religious groups. She frequently speaks on financial literacy and planning topics at national stages, including events hosted by CNN, the Harvard Club of Boston, New York Life, Nasdaq, and the MDRT (Million Dollar Round Table).Her expertise spans health insurance (including Medicare and individual policies), life and annuity products, retirement planning, and strategies for tax-efficient financial growth. Roma also works to empower clients to manage their finances wisely and protect their financial futures with well-structured, personalized solutions.Learn more: https://aifsgroupbyroma.com/Roma Pithadiya is not an attorney or CPA. Affordable Insurance and Financial Services does not provide legal or tax advice. Any discussion of financial strategies is general in nature and not a recommendation. Insurance and financial products involve risk and may not be suitable for all individuals. Licensing and availability vary by state.Influential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/roma-pithadiya-president-and-ceo-of-affordable-insurance-and-financial-services-discussing-irs-and-insurance

Roma Pithadiya is the President and Chief Executive Officer of Affordable Insurance and Financial Services (AIFS), a financial services and insurance advisory firm based in the Dallas–Fort Worth area of Texas. She is a seasoned financial professional and entrepreneur with extensive experience in insurance, financial planning, and wealth protection.Roma immigrated to the United States with limited resources and has built her career from the ground up, becoming a respected advisor to individuals, families, and small businesses in matters of health insurance, life insurance, auto and home protection, and long-term financial planning. She has been active in the financial services industry for well over a decade and is known for her deep commitment to client education and advocacy.She is also recognized as a Million Dollar Immigrant, a title reflecting her journey from starting penniless in the U.S. to achieving significant success in the insurance and financial advisory business.In addition to her executive role, Roma engages heavily in community service: she is active with the Lions Club, participates in senior citizen organizations, and serves on committees for cultural and religious groups. She frequently speaks on financial literacy and planning topics at national stages, including events hosted by CNN, the Harvard Club of Boston, New York Life, Nasdaq, and the MDRT (Million Dollar Round Table).Her expertise spans health insurance (including Medicare and individual policies), life and annuity products, retirement planning, and strategies for tax-efficient financial growth. Roma also works to empower clients to manage their finances wisely and protect their financial futures with well-structured, personalized solutions.Learn more: https://aifsgroupbyroma.com/Roma Pithadiya is not an attorney or CPA. Affordable Insurance and Financial Services does not provide legal or tax advice. Any discussion of financial strategies is general in nature and not a recommendation. Insurance and financial products involve risk and may not be suitable for all individuals. Licensing and availability vary by state.Influential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/roma-pithadiya-president-and-ceo-of-affordable-insurance-and-financial-services-discussing-the-hybrid-approach-to-tax-free-retirement

In this conversation, Beth Boisseau-Coots, a commercial insurance broker, discusses the critical role insurance plays for real estate investors, particularly during property acquisition and in high-risk coastal markets. She emphasizes the importance of planning for insurance early, explains the cyclical nature of insurance pricing, and highlights the need to understand different coverage types for rental and investment properties. The discussion also explores unusual insurance requests, tenant-related risks, and why requiring renter's insurance is essential for protecting landlords from potential damages.   Professional Real Estate Investors - How we can help you: Investor Fuel Mastermind:  Learn more about the Investor Fuel Mastermind, including 100% deal financing, massive discounts from vendors and sponsors you're already using, our world class community of over 150 members, and SO much more here: http://www.investorfuel.com/apply   Investor Machine Marketing Partnership:  Are you looking for consistent, high quality lead generation? Investor Machine is America's #1 lead generation service professional investors. Investor Machine provides true 'white glove' support to help you build the perfect marketing plan, then we'll execute it for you…talking and working together on an ongoing basis to help you hit YOUR goals! Learn more here: http://www.investormachine.com   Coaching with Mike Hambright:  Interested in 1 on 1 coaching with Mike Hambright? Mike coaches entrepreneurs looking to level up, build coaching or service based businesses (Mike runs multiple 7 and 8 figure a year businesses), building a coaching program and more. Learn more here: https://investorfuel.com/coachingwithmike   Attend a Vacation/Mastermind Retreat with Mike Hambright: Interested in joining a "mini-mastermind" with Mike and his private clients on an upcoming "Retreat", either at locations like Cabo San Lucas, Napa, Park City ski trip, Yellowstone, or even at Mike's East Texas "Big H Ranch"? Learn more here: http://www.investorfuel.com/retreat   Property Insurance: Join the largest and most investor friendly property insurance provider in 2 minutes. Free to join, and insure all your flips and rentals within minutes! There is NO easier insurance provider on the planet (turn insurance on or off in 1 minute without talking to anyone!), and there's no 15-30% agent mark up through this platform!  Register here: https://myinvestorinsurance.com/   New Real Estate Investors - How we can work together: Investor Fuel Club (Coaching and Deal Partner Community): Looking to kickstart your real estate investing career? Join our one of a kind Coaching Community, Investor Fuel Club, where you'll get trained by some of the best real estate investors in America, and partner with them on deals! You don't need $ for deals…we'll partner with you and hold your hand along the way! Learn More here: http://www.investorfuel.com/club   —--------------------

In this episode of BaseballBiz On Deck, Mark Corbett and Mat Germain dive into a wide-ranging discussion covering the World Baseball Classic, MLB luxury tax realities, Rays stadium costs in Tampa, and the latest trade rumors involving the Pirates and Rays.With pitchers and catchers reporting soon, the conversation blends anticipation for the baseball season with serious questions about insurance, international tournaments, player safety, and league economics, along with several Tampa-specific developments.World Baseball Classic 2026:  Insurance, Puerto Rico & Player ConcernsWorld Baseball Classic and growing concerns surrounding player insurance coverage, particularly for Team Puerto RicoKey discussion points include:Insurance challenges for star players such as Francisco Lindor and Carlos CorreaWhy pitchers face higher risk in international tournamentsThe possibility of Puerto Rico withdrawing despite hosting WBC pool playHow MLB, players, and the World Baseball Classic share responsibility for coverageBroader concerns about fan safety, international security, and ICE involvement at global sporting eventsMark and Mat explore how these factors could affect attendance, participation, and the future of the World Baseball ClassicTampa Bay Rays Stadium UpdateThe 2.3 Billion Dollar Price TagA headline-grabbing figure sparks the next segment as discussion turns to the reported 2.3 billion dollar cost tied to the Rays proposed stadium and surrounding development in TampaStadium versus mixed-use development costsPublic funding compared to long-term tax revenueMayor Jane Castor's position as a lame-duck Previous negotiations in St. PetersburgWhy the project is being framed as an investment rather than a giveawayMark shares Tampa-specific context, including Gasparilla celebrations & the unusual sight of ice being placed inside Raymond James Stadium for a hockey eventMLB Luxury Tax - Who Pays, Who Benefits and Who Does NotMat breaks down the MLB competitive balance tax and how top spending teams continue to dominate payrollThe Dodgers, Mets, and Yankees leading luxury tax paymentsNearly 400 million dollars collected league-wideHow some small-market teams retain revenue instead of reinvestingWhy the system weakens competitive balance across multiple marketsCalls for financial transparency and opening team books in the next CBAOther impacting factors: Gambling revenue, international brand growth, and how winning teams build global fanbases.Pirates, Rays and MLB Rumors & MLB trade developments & rumorsThe Pirates being linked to Framber Valdez and the impact of a potential elite rotationBlue Jays and Giants also monitoring the Valdez marketBreaking News – Framber Valdez signs with the Detroit Tigers to the astonishment of fans and the Pittsburgh PiratesThe Rays continuing their trend of three-team tradesTampa Bay acquiring Ben Williamson, a defense-first infielder with offensive upsideHow Williamson fits alongside Taylor Walls and Junior CamineroWhy controllable, pre-arbitration players remain central to Rays roster constructionMat also discusses Colton Ledbetter's departure and how internal competition shapes Rays decision-making.Remember to try to find the joy in every dayLike & subscribe to BaseballBiz On Deck.  You may also find BaseballBiz on Deck, on YouTube at iHeart Apple, Spotify, Amazon Music, & at www.baseballbizondeck.com Also you can find Mat at M-A-T-G-E-R-M-A-I-N dot B Sky social. That's Mat at M-A-T-G-E-R-M-A-I-N dot B, Sky social or Mark at  Baseball Biz on Deck dot B Sky Social and BaseballBiz On Deck with Facebook.

In this episode of Power Producers Podcast, David Carothers sat down with Brian Thompson from Descartes Underwriting to break down parametric coverage and why it is becoming a serious differentiator for producers. Brian explained parametric as a predefined payout tied to a predefined event, with payment triggered by the event and supported by a loss attestation. They explored how parametric can address gaps traditional insurance does not, especially economic loss, non damage business interruption, and revenue disruption tied to access and supply chain issues. David emphasized that producers do not need to be experts, but they do need to know parametric exists and ask better discovery questions to uncover risks that can be solved with these programs. Key points: Parametric 101 and How It Actually Works Brian Thompson explains that parametric coverage is built around pre negotiated payouts for predefined events. Instead of adjusting the claim, coverage triggers based on the event, and the insured attests they suffered a loss. This structure can allow funds to arrive within days, helping clients recover faster and avoid long delays. Economic Loss Matters More Than Physical Damage A major takeaway is that parametric can cover full economic loss, not just physical damage. That includes revenue disruption after a storm, cancellations, loss of access, and increased operating costs. This is where many producers get stuck because they assume insurance only responds to visible property damage. Real World Use Cases Beyond Property Insurance They shared examples like a casino location in Macau where coverage was tied to access over a bridge, resulting in a fast payout after a typhoon closed access. Another example involved Mississippi River water levels impacting barge shipments, forcing higher costs through trucking and rail. These scenarios show how parametric can insure risks that usually fall outside standard policies. How Pricing and Structuring Really Happens David pushed for clarity on pricing, and Brian explained that rate depends on frequency, severity, and what the client wants to retain versus transfer. The structuring process is iterative, often requiring several quote revisions. Back testing is a key advantage because teams can model how coverage would have performed during past events. Why Generalists Will Struggle Going Forward David reinforced that generalist producers will lose because they miss nuanced operational risks. Parametric requires deeper discovery to uncover what truly threatens profitability, liquidity, and continuity. Knowing how to ask the right questions helps producers create wedge opportunities and win accounts. Education Resources and How Producers Can Get Started Brian shared that education is a major part of adoption, and Dart runs webinars, publishes a newsletter, and provides case studies and examples. The most important step is sending a what if scenario and using real quotes to understand how the product behaves. Producers can lean on the carrier team as an in house expert until they build confidence. Connect with: David Carothers LinkedIn Brian Thompson LinkedIn Kyle Houck LinkedIn Visit Websites: Power Producer Base Camp Descartes Underwriting Killing Commercial Crushing Content Power Producers Podcast Policytee The Dirty 130 The Extra 2 Minutes  

Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Dr. Willie Jolley. Summary of the Interview: Dr. Willie Jolley on Money Making Conversations Masterclass Dr. Willie Jolley—Hall of Fame speaker, bestselling author, and longtime SiriusXM host—joins Rushion McDonald to discuss his new book Rich Is Good, Wealthy Is Better. The conversation focuses on redefining wealth, transforming money mindsets, developing discipline, and overcoming setbacks to build generational prosperity. Throughout the interview, Dr. Jolley shares insights gathered over 20 years of interviewing billionaires, CEOs, and major wealth creators. He outlines the crucial difference between being rich (high income) and being wealthy (owning assets that work without you). He emphasizes the role of discipline, humility, learning, and generational thinking in achieving sustainable wealth. The interview closes with Jolley’s personal comeback story—from nightclub singer to world‑renowned speaker—and his message that it’s never too late to change your financial future. Purpose of the Interview The interview aims to: 1. Promote and explain Jolley’s new book “Rich Is Good, Wealthy Is Better,” which clarifies the difference between income-based wealth (rich) and asset‑based, multi‑generational wealth (wealthy). 2. Teach listeners how to shift their money mindset Jolley walks through the five levels of money thinking, showing how most Americans operate in the lower levels due to habit or lack of knowledge. 3. Encourage financial independence and discipline Listeners—especially entrepreneurs and families—learn the role of discipline, insurance, multiple income streams, and investment. 4. Provide motivation through Jolley’s story His setback-to-comeback story proves that financial and personal reinvention is possible at any age. 5. Address generational wealth and financial stewardship The book is also written for parents/grandparents worried their heirs may squander what they built. Key Takeaways 1. The crucial difference between rich and wealthy Rich = working income; stops when you stop. Wealthy = assets + systems; money works even when you don’t. Rich is “good”—but wealth is “better” because it is sustainable. 2. Wealth begins with mindset Jolley identifies five money mindsets: One‑day mindset (daily survival) 30‑day mindset (check-to-check) One‑year mindset Decade mindset (athletes/entertainers) Generational mindset (true wealth builders) His goal: move people one level higher. 3. Discipline is the #1 lever for wealth Wealth requires: Living below your means Consistent investment Protecting what you have Maintaining health, relationships, reputation, and intellectual capital 4. The “Five Types of Wealth” Financial wealth Health wealth Relationship wealth Reputational/brand wealth Intellectual capital wealthAll contribute to long-term prosperity. 5. The 3 Legs of Wealth Income Save & invest the difference Insurance to protect assets (life, health, disability, long‑term care) 6. At least two streams of income are essential Examples: stocks, real estate, crypto, collectibles, content creation. 7. Pride destroys wealth People overspend to look successful rather than be successful.Pride → debt → stress → financial ruin.Humility → learning → planning → wealth. 8. It’s never too late to become wealthy He shares stories of: A domestic worker who died with $2.7M A secretary who accumulated $8M A former drug dealer who reached nearly $900K starting at age 65All achieved wealth by small investments over long periods. 9. A setback is a setup for a comeback Jolley’s message is deeply motivational: Losing his singing job led him into speaking Speaking led to radio Radio led to books Books led to global influenceHe frames adversity as opportunity. Notable Quotes (from the transcript) On Wealth vs. Rich “Rich is good. Wealthy is better.” “Regular folks work for their money. Wealthy people make their money work for them.” On Mindset “Wealth starts in your mind.” “It’s hard to hit what you can’t see—and even harder to hit what you don’t know.” (on knowing the target) On Discipline “The key to success in growing wealth is discipline.” [ On Pride “My pride was killing my wealth. I had to let the pride go so I could grab hold of the wealth.” On Setbacks “A setback is a setup for your greater comeback.” “Your setback is not the end of the story unless you choose it to be.” On Starting Late “Anybody can become wealthy if you use these principles.” “When is the best time to plant a tree? 80 years ago. The second-best time? Today.” In One Sentence The interview teaches that becoming wealthy is less about income and more about mindset, discipline, humility, and long-term planning—and that anyone can build generational wealth starting right now. #SHMS #STRAW #BESTSupport the show: https://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Dr. Willie Jolley. Summary of the Interview: Dr. Willie Jolley on Money Making Conversations Masterclass Dr. Willie Jolley—Hall of Fame speaker, bestselling author, and longtime SiriusXM host—joins Rushion McDonald to discuss his new book Rich Is Good, Wealthy Is Better. The conversation focuses on redefining wealth, transforming money mindsets, developing discipline, and overcoming setbacks to build generational prosperity. Throughout the interview, Dr. Jolley shares insights gathered over 20 years of interviewing billionaires, CEOs, and major wealth creators. He outlines the crucial difference between being rich (high income) and being wealthy (owning assets that work without you). He emphasizes the role of discipline, humility, learning, and generational thinking in achieving sustainable wealth. The interview closes with Jolley’s personal comeback story—from nightclub singer to world‑renowned speaker—and his message that it’s never too late to change your financial future. Purpose of the Interview The interview aims to: 1. Promote and explain Jolley’s new book “Rich Is Good, Wealthy Is Better,” which clarifies the difference between income-based wealth (rich) and asset‑based, multi‑generational wealth (wealthy). 2. Teach listeners how to shift their money mindset Jolley walks through the five levels of money thinking, showing how most Americans operate in the lower levels due to habit or lack of knowledge. 3. Encourage financial independence and discipline Listeners—especially entrepreneurs and families—learn the role of discipline, insurance, multiple income streams, and investment. 4. Provide motivation through Jolley’s story His setback-to-comeback story proves that financial and personal reinvention is possible at any age. 5. Address generational wealth and financial stewardship The book is also written for parents/grandparents worried their heirs may squander what they built. Key Takeaways 1. The crucial difference between rich and wealthy Rich = working income; stops when you stop. Wealthy = assets + systems; money works even when you don’t. Rich is “good”—but wealth is “better” because it is sustainable. 2. Wealth begins with mindset Jolley identifies five money mindsets: One‑day mindset (daily survival) 30‑day mindset (check-to-check) One‑year mindset Decade mindset (athletes/entertainers) Generational mindset (true wealth builders) His goal: move people one level higher. 3. Discipline is the #1 lever for wealth Wealth requires: Living below your means Consistent investment Protecting what you have Maintaining health, relationships, reputation, and intellectual capital 4. The “Five Types of Wealth” Financial wealth Health wealth Relationship wealth Reputational/brand wealth Intellectual capital wealthAll contribute to long-term prosperity. 5. The 3 Legs of Wealth Income Save & invest the difference Insurance to protect assets (life, health, disability, long‑term care) 6. At least two streams of income are essential Examples: stocks, real estate, crypto, collectibles, content creation. 7. Pride destroys wealth People overspend to look successful rather than be successful.Pride → debt → stress → financial ruin.Humility → learning → planning → wealth. 8. It’s never too late to become wealthy He shares stories of: A domestic worker who died with $2.7M A secretary who accumulated $8M A former drug dealer who reached nearly $900K starting at age 65All achieved wealth by small investments over long periods. 9. A setback is a setup for a comeback Jolley’s message is deeply motivational: Losing his singing job led him into speaking Speaking led to radio Radio led to books Books led to global influenceHe frames adversity as opportunity. Notable Quotes (from the transcript) On Wealth vs. Rich “Rich is good. Wealthy is better.” “Regular folks work for their money. Wealthy people make their money work for them.” On Mindset “Wealth starts in your mind.” “It’s hard to hit what you can’t see—and even harder to hit what you don’t know.” (on knowing the target) On Discipline “The key to success in growing wealth is discipline.” [ On Pride “My pride was killing my wealth. I had to let the pride go so I could grab hold of the wealth.” On Setbacks “A setback is a setup for your greater comeback.” “Your setback is not the end of the story unless you choose it to be.” On Starting Late “Anybody can become wealthy if you use these principles.” “When is the best time to plant a tree? 80 years ago. The second-best time? Today.” In One Sentence The interview teaches that becoming wealthy is less about income and more about mindset, discipline, humility, and long-term planning—and that anyone can build generational wealth starting right now. #SHMS #STRAW #BESTSee omnystudio.com/listener for privacy information.

New data shows health and property insurance premiums are skyrocketing by 26%. We will analyze this "shadow inflation" and how to adjust your budget and portfolio for rising protection costs.Today's Stocks & Topics: Woodward, Inc. (WWD), Market Wrap, A. O. Smith Corporation (AOS), When to Hit the Panic Button, Barrick Mining Corporation (B), iShares Silver Trust (SLV), The "Insurance" Inflation Spike, Salesforce, Inc. (CRM), PayPal Holdings, Inc. (PYPL), Chubb Limited (CB), Fixed Index Annuities, PayPal Holdings, Inc. (PYPL), The Housing Market.Our Sponsors:* Check out Quince: https://quince.com/INVESTAdvertising Inquiries: https://redcircle.com/brands

The San Francisco Giants signed Luis Arráez to a one-year deal, with the hope that the three-time batting champion will be able to help solidify their offense after their blockbuster deal that brought Rafael Devers to the Bay last season. However, after finishing at 81–81, are the Giants doing enough to try and compete for a title?On this episode of Baseball Bar-B-Cast, Jake Mintz and Jordan Shusterman examine the questionable offseason that President of Baseball Operations Buster Posey has navigated for his Giants. While being in the same division as the Los Angeles Dodgers does present some difficulties, should the Giants be doing a bit more to show their commitment to winning? Could they still find a way to improve their rotation before the start of the season?Later, Jordan and Jake talk about the trade that saw the St. Louis Cardinals trade Brendan Donovan in a three-team deal to the Seattle Mariners and why he is going to be a key player for them. They then discuss the Chicago White Sox's active weekend, the Sacramento A's signing Jacob Wilson to an extension, all before they get into the problem that insurance is causing with World Baseball Classic rosters.2:29 – The Opener: A look at the Giants29:58 – Around the League: Mariners trade for Donovan48:18 – Turbo Mode: Reds sign Eugenio Suárez58:37 – Tarik Skubal vs. Detroit Tigers1:01:44 – We Need to Talk About: WBC insurance Subscribe to Baseball Bar-B-Cast on your favorite podcast app:

Bill Thach has had 9 lines of treatment, over 1,000 doses of chemo, and more scans than an airport. He runs ultramarathons for fun. He jokes about being his own Porta Potty. He became a father, then got cancer while his daughter was 5 months old. Today she is 8. He hides the worst of it so she can believe he stands strong, even when he knows that hiding has a cost.We talk about the illusion of strength, what it means to look fine when your body is falling apart, and how a random postcard in an MD Anderson waiting room led him to Man Up to Cancer, where he now leads Diversity and AYA Engagement. Fatherhood. Rage. Sex. Denial. Humor. Survival. All that and why the words good morning can act like a lifeline.RELATED LINKSFight Colorectal CancerCURE TodayINCA AllianceMan Up to CancerWeeViewsYouTubeLinkedInFEEDBACKLike this episode? Rate and review Out of Patients on your favorite podcast platform. For guest suggestions or sponsorship email podcasts@matthewzachary.comSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Dr. Willie Jolley. Summary of the Interview: Dr. Willie Jolley on Money Making Conversations Masterclass Dr. Willie Jolley—Hall of Fame speaker, bestselling author, and longtime SiriusXM host—joins Rushion McDonald to discuss his new book Rich Is Good, Wealthy Is Better. The conversation focuses on redefining wealth, transforming money mindsets, developing discipline, and overcoming setbacks to build generational prosperity. Throughout the interview, Dr. Jolley shares insights gathered over 20 years of interviewing billionaires, CEOs, and major wealth creators. He outlines the crucial difference between being rich (high income) and being wealthy (owning assets that work without you). He emphasizes the role of discipline, humility, learning, and generational thinking in achieving sustainable wealth. The interview closes with Jolley’s personal comeback story—from nightclub singer to world‑renowned speaker—and his message that it’s never too late to change your financial future. Purpose of the Interview The interview aims to: 1. Promote and explain Jolley’s new book “Rich Is Good, Wealthy Is Better,” which clarifies the difference between income-based wealth (rich) and asset‑based, multi‑generational wealth (wealthy). 2. Teach listeners how to shift their money mindset Jolley walks through the five levels of money thinking, showing how most Americans operate in the lower levels due to habit or lack of knowledge. 3. Encourage financial independence and discipline Listeners—especially entrepreneurs and families—learn the role of discipline, insurance, multiple income streams, and investment. 4. Provide motivation through Jolley’s story His setback-to-comeback story proves that financial and personal reinvention is possible at any age. 5. Address generational wealth and financial stewardship The book is also written for parents/grandparents worried their heirs may squander what they built. Key Takeaways 1. The crucial difference between rich and wealthy Rich = working income; stops when you stop. Wealthy = assets + systems; money works even when you don’t. Rich is “good”—but wealth is “better” because it is sustainable. 2. Wealth begins with mindset Jolley identifies five money mindsets: One‑day mindset (daily survival) 30‑day mindset (check-to-check) One‑year mindset Decade mindset (athletes/entertainers) Generational mindset (true wealth builders) His goal: move people one level higher. 3. Discipline is the #1 lever for wealth Wealth requires: Living below your means Consistent investment Protecting what you have Maintaining health, relationships, reputation, and intellectual capital 4. The “Five Types of Wealth” Financial wealth Health wealth Relationship wealth Reputational/brand wealth Intellectual capital wealthAll contribute to long-term prosperity. 5. The 3 Legs of Wealth Income Save & invest the difference Insurance to protect assets (life, health, disability, long‑term care) 6. At least two streams of income are essential Examples: stocks, real estate, crypto, collectibles, content creation. 7. Pride destroys wealth People overspend to look successful rather than be successful.Pride → debt → stress → financial ruin.Humility → learning → planning → wealth. 8. It’s never too late to become wealthy He shares stories of: A domestic worker who died with $2.7M A secretary who accumulated $8M A former drug dealer who reached nearly $900K starting at age 65All achieved wealth by small investments over long periods. 9. A setback is a setup for a comeback Jolley’s message is deeply motivational: Losing his singing job led him into speaking Speaking led to radio Radio led to books Books led to global influenceHe frames adversity as opportunity. Notable Quotes (from the transcript) On Wealth vs. Rich “Rich is good. Wealthy is better.” “Regular folks work for their money. Wealthy people make their money work for them.” On Mindset “Wealth starts in your mind.” “It’s hard to hit what you can’t see—and even harder to hit what you don’t know.” (on knowing the target) On Discipline “The key to success in growing wealth is discipline.” [ On Pride “My pride was killing my wealth. I had to let the pride go so I could grab hold of the wealth.” On Setbacks “A setback is a setup for your greater comeback.” “Your setback is not the end of the story unless you choose it to be.” On Starting Late “Anybody can become wealthy if you use these principles.” “When is the best time to plant a tree? 80 years ago. The second-best time? Today.” In One Sentence The interview teaches that becoming wealthy is less about income and more about mindset, discipline, humility, and long-term planning—and that anyone can build generational wealth starting right now. #SHMS #STRAW #BESTSteve Harvey Morning Show Online: http://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

This week on Catalyst, Tammy Soares speaks with Prashant Hinge, Chief Information and Transformation Officer at MSIG USA. Prashant has been working in the insurance industry for 20 years and is an expert at building teams to create solutions that improve the user experience. Prashant discusses the importance of unlearning siloed ways of working in order to unlock collaborative and cross-functional creativity, a skill that's especially important in the insurance industry. He also explains why in the current world of AI, we all need to become triathletes - meaning we now need to understand the business, need to know basic AI tools and need to develop core skills. He also talks about the opportunities that AI is unlocking for the insurance industry and how change management and ensuring you have good processes, data and people is key in ensuring success at scale. Please note that the views expressed may not necessarily be those of NTT DATA Links: Prashant Hinge State of AI in Business in 2025 Learn more about Launch by NTT DATASee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

In this episode of Making Risk Flow: Exploring the Ecosystem, host Jake Harding speaks with Dave Wood, Managing Director at JBA Risk Management, about how AI and deep learning are reshaping catastrophe risk modeling. Dave explains how neural networks can simulate extreme climate scenarios that fall outside historical records, helping insurers better understand compound and tail risks. The conversation also explores why model transparency and rigorous validation are essential as AI adoption accelerates, and how insurers can scale advanced weather simulation without sacrificing accuracy. Dave also shares practical guidance on integrating best-in-class AI tools into existing risk platforms, rather than building everything from scratch  in-house. Fan Mail: Got a challenge digitizing your intake? Share it with us, and we'll unpack solutions from our experience at Cytora.To receive a custom demo from Cytora, click here and use the code 'Making Risk Flow'.Our previous guests include: Bronek Masojada of PPL, Craig Knightly of Inigo, Andrew Horton of QBE Insurance, Simon McGinn of Allianz, Stephane Flaquet of Hiscox, Matthew Grant of InsTech, Paul Brand of Convex, Paolo Cuomo of Gallagher Re, and Thierry Daucourt of AXA.Check out the three most downloaded episodes: The Five Pillars of Data Analytics Strategy in Insurance | Craig Knightly, Inigo 20 Years as CEO of Hiscox: Personal Reflections and the Evolution of PPL | Bronek Masojada Implementing ESG in the Insurance and Underwriting Space | Simon Tighe, Chaucer, and Paul McCarney, Moody's

Denver multifamily 2026 cap rates just hit 6 to 6.5 percent. This is the first time since 2009. Furthermore, Denver’s highest-volume multifamily brokers believe this marks the bottom. Meanwhile, many investors wait for blood-in-the-water distressed sales. However, NorthPeak Commercial Advisors see something different in Denver multifamily 2026. Instead, they’re seeing fair pricing on quality assets. Additionally, buyer activity is returning after a two-year freeze. Chris Lopez sits down with Kevin Calame and Matt Lewallen. They’re co-owners of NorthPeak Commercial Advisors. They’re also 30-year business partners. Previously, they survived Denver’s largest condo conversion operation collapsing in 2007. Now, their firm handles more multifamily transactions than any other Denver brokerage. As a result, this gives them unmatched visibility into what’s trading in Denver multifamily 2026. Kevin and Matt don’t sugarcoat the challenges. For example, transaction volume is down 75 percent. Similarly, insurance jumped from $500 to $1500 per unit and North Aurora won’t sell at any price. Nevertheless, they lay out multiple data points. These suggest the Denver’s multifamily 2026 market has found its floor. This episode delivers real-world insights you won’t find in generic reports. For instance, Kevin shares a recent Denver multifamily 2026 showing. It drew 12 buyers after months of zero activity. Meanwhile, Matt explains why admitted insurance carriers are positioning to return. He also covers the “extend and pretend” banking strategy. Consequently, this might prevent the distressed wave many expect. They break down recent deals. Specifically, one is a 24-unit Arvada property. It’s structured as a master lease option. Another is a Thornton retail acquisition at a 7 cap. In fact, that deal has 30 percent below-market rents. Kevin and Matt explain why this downturn feels harder than 2007. Essentially, it’s the perfect storm. First, rising rates went from 3% to 6.5%. Second, there’s oversupply with 18,000 deliverable units. Additionally, expenses are spiking. Also, insurance is chaotic. Finally, unfriendly legislation is hitting Denver multifamily simultaneously. But unlike the Great Financial Crisis, properties aren’t flooding back to banks. Instead, Denver multifamily 2026 is stabilizing at healthier fundamentals. Cornerstone Property Management’s data shows renewal rates just increased 14 percent. This is after two years of decline. Moreover, NOI is steadying. Therefore, buyers who purchase Denver multifamily 2026 properties at today’s 6+ cap rates can expect realistic returns. Those are 7-8 percent annually. As a result, they’ll likely look back in 18 months satisfied with their timing. In This Episode We Cover: Why Denver multifamily 2026 cap rates returning to 6-6.5% signals a healthy market (not a crisis) How NorthPeak Commercial Advisors closes double the Denver multifamily transactions of any competitor The insurance crisis that pushed costs from $500 to $1500 per unit and why relief is coming Recent showing with 12 buyers proves Denver multifamily 2026 market is waking up Creative deal structures: master lease options, seller financing, and assumption deals Why North Aurora won’t sell at any price while core Denver stabilizes at 6 caps Cornerstone data shows 14% renewal rate increase—first positive rent signal in two years Proper expectations for Denver multifamily 2026 buyers: 7-8% returns are the new normal Kevin and Matt built NorthPeak by surviving the 2007 crash, unwinding a $15 million condo conversion empire, and grinding through survival mode to become Denver’s top multifamily brokerage. Their 17 brokers make hundreds of calls daily, giving them real-time market data that generic reports miss. Whether you’re holding assets wondering if you should sell or sitting on capital waiting for the perfect entry, this episode provides the data-driven analysis Colorado investors need to make informed decisions in 2026. Watch the YouTube Video https://youtu.be/KrXKPX5Nylc Timestamps 00:00 – Welcome & Episode Introduction 01:55 Kevin & Matt’s 30-Year Partnership Origin 09:09 – Starting NorthPeak in 2020 13:23 – 2025 Market vs 2007 Comparison 15:43 – Market Bottom Indicators 19:02 – Perfect Storm (Rates, Oversupply, Insurance, Legislation) 23:18– Insurance Crisis ($500 to $1500 Per Unit) 27:26– Buyer and Seller Expectations Closing 28:47 – Creative Deal Structures That Work 32:27 – Recent Deals and Creative Structures 34:00 – Master Lease vs Seller Carry Explained 35:40 – Retail Deal in Thornton at 7 Cap 40:21– North Aurora Completely Frozen 44:53– Where to Find Value in 2026 48:56 – Working with NorthPeak CRE Links in Podcast NorthPeak Commercial Advisors Email Kevin Calame kevin@northpeakcre.com Email Matt Lewallen matt@northpeakcre.com Carleton H. Sheets ‘No Down Payment’ Real Estate Program

In this powerful and deeply human conversation, Amy Sylvis sits down with gratitude expert, entrepreneur, and author Kim Angeli to explore what it truly means to choose abundance - even when life feels chaotic, uncertain, or painful. Kim shares her personal journey from building and selling a successful insurance agency to answering a calling to teach Grateful Living as a daily practice. Together, Amy and Kim unpack the science and spirituality behind gratitude, why only a small percentage of people consciously choose it, and how shifting from reaction to response can radically change your life, business, and sense of purpose. This episode is a reminder that abundance is not something we chase -  it's something we practice.Connect with Kim Ange:Access the 5-Day Gratitude Challenge at https://www.kimangeli.com/https://www.facebook.com/kimangeli/Connect with Amy Sylvis:https://www.linkedin.com/in/amysylvis/Contact Us:https://www.sylviscapital.comhttps://www.sylviscapital.com/webinar00:00 Introduction02:32 Kim Angeli's Journey and Philosophy05:05 The Power of Gratitude13:14 Gratitude Journal and Its Impact18:30 Daily Practice and Discernment20:03 Seeking Clarity Through Reflection20:45 Exploring Multiple Streams of Income21:42 A Journey from Insurance to Gratitude23:07 The Turning Point: Embracing Gratitude25:43 Selling the Business and Starting Anew28:02 Living a Life of Gratitude and Abundance32:35 Practical Steps to Start Your Gratitude Journey35:41 Connecting and Continuing the Journey

Running a financial advisory firm often looks appealing from the outside: freedom, flexibility, and income potential. But the reality of being a true business owner requires an entirely different skill set. In this episode, Libby sits down with Hannah Moore to have an honest, vulnerable conversation about what it really takes to move from advisor to CEO, including the emotional, operational, and leadership challenges that often go unspoken ✨In this episode, you'll learn:Why owning a firm is fundamentally different from being a great financial advisor, and why most advisors are unprepared for that shiftHow Hannah navigated massive business transitions, including reducing her client base, growing two companies, and building a leadership teamWhat it actually looks like to delegate meaningful responsibilities like sales calls and client relationshipsHow ego, identity, and grief can quietly hold advisors back from scaling their firmsWhy self-awareness is one of the most important traits of successful advisors and CEOsThis episode is a powerful reminder that growth doesn't come from doing more, but from letting go, building trust in your team, and stepping fully into the CEO role. If you're feeling stretched, overwhelmed, or stuck in the day-to-day, this conversation will help you see what's possible on the other side of intentional leadership.Find Hannah on LinkedIn HERE!Learn more about Amplified Planning HERE!Learn more about the Group Coaching & Mastermind HERE! Check out The First 100 Days Course: The Advisor's Blueprint for a Remarkable Client Experience HERE!Learn more about Asset-Map financial planning software HERE! Learn more about our sponsor Beemo Automation HERE! Check out the Efficient Advisor YouTube Channel HERE!Connect with Libby on LinkedIn HERE!Successful businesses don't get built alone. You need community! You need collaboration! Join us in The Efficient Advisor Community on Facebook.

Hey CX Nation,In this week's episode of The CXChronicles Podcast #276, we welcomed Todd Breton from Hippo Insurance & Eileen Potter from Smart Communications to talk through CX's role in the insurance industry. Smart Communications is the trusted choice for regulated enterprises looking to modernize complex processes and connect with customers in the moments that matter most. More than 650 enterprises worldwide—including Zurich Insurance, Priority Health, The Pacific Financial Group, and The Bancorp—rely on Smart Communications to reduce compliance risk, boost operational efficiency, lower costs, and fast-track digital transformation that fuels business growth and elevates the customer experience.500,000+ homeowners are insured today by Hippo with 70+ insurance carrier partners to boot. In this episode, Todd, Eileen and Adrian chat through the Four CX Pillars: Team, Tools, Process & Feedback. Plus share some of the ideas that their teams think through on a daily basis to build world class customer experiences.**Episode #276 Highlight Reel:**1. Technology's role in the insurance industry2. How AI is changing the insurance space 3. Why most insurance companies are doubling down on CX4. Relationships still matter for most insurance customers5. The future of insuranceClick here to learn more about Todd BretonClick here to learn more about Eileen PotterClick here to learn more about Smart CommunicationsClick here to learn more about Hippo InsuranceHuge thanks to Todd & Eileen for coming on The CXChronicles Podcast and featuring their work and efforts in pushing the way that customer experience fits inside of the insurance industry in the future. For all of our Apple & Spotify podcast listener friends, make sure you are following CXC & please leave a 5 star review so we can find new members of the "CX Nation". You know what would be even better?Go tell your friends or teammates about CXC's custom content, strategic partner solutions (Hubspot, Intercom, & Freshworks) & On-Demand services & invite them to join the CX Nation, a community of 15K+ customer focused business leaders!Thanks to all of you for being apart of the "CX Nation" and helping customer focused business leaders across the world make happiness a habit!Reach Out To CXC Today!Support the showContact CXChronicles Today Tweet us @cxchronicles Check out our Instagram @cxchronicles Click here to checkout the CXC website Email us at info@cxchronicles.com Remember To Make Happiness A Habit!!

In this episode of More Than Commas, SFG President Cory Shepherd sits down with CEO of Trail CPA, Trent Trailov, to break down the Qualified Business Income (QBI) deduction and how business owners can strategically use it to reduce taxes. If you earn non-W2 income, own a business, or operate as a consultant, financial professional, or service-based business owner, this conversation walks through who qualifies, income thresholds to watch, and real strategies to maximize tax savings. You'll also hear practical examples showing how the right planning decisions, like business expenses, charitable giving, and retirement contributions, can unlock tens of thousands of dollars in tax savings. -- Timestamps: 03:10 – What Is the Qualified Business Income (QBI) Deduction? 06:15 – QBI Income Phaseouts Explained (Single vs. Married Filers) 08:20 – Real Example: Using Business Expenses to Qualify for QBI 10:55 – Which Businesses Need to Be Careful? (SSTB Rules) 14:05 – Business Expenses vs. Charitable Contributions 16:45 – Additional Strategies to Get Below the QBI Threshold 20:40 – Final Takeaways & What to Watch Going Into 2026    -- This Material is Intended for General Public Use. By providing this material, we are not undertaking to provide investment advice for any specific individual or situation, or to otherwise act in a fiduciary capacity. Please contact one of our financial professionals for guidance and information specific to your individual situation. Sound Financial Inc. dba Sound Financial Group is a registered investment adviser. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and, unless otherwise stated, are not guaranteed. Be sure to first consult with a qualified financial adviser and/or tax professional before implementing any strategy discussed herein. Past performance is not indicative of future performance. Insurance products and services are offered and sold through Sound Financial Inc. dba Sound Financial Group and individually licensed and appointed agents in all appropriate jurisdictions. This podcast is meant for general informational purposes and is not to be construed as tax, legal, or investment advice. You should consult a financial professional regarding your individual situation. Guest speakers are not affiliated with Sound Financial Inc. dba Sound Financial Group unless otherwise stated, and their opinions are their own. Opinions, estimates, forecasts, and statements of financial market trends are based on current market conditions and are subject to change without notice. Past performance is not a guarantee of future results.

Eric discusses the DAILY HUSTLE 22-Day Challenge, where participants establish a routine by completing various physical and mental tasks each day. He also talks about the World Baseball Classic's insurance issue, which has led to several top players being denied coverage and potentially withdrawing from the tournament. Hosted by Simplecast, an AdsWizz company. See https://pcm.adswizz.com for information about our collection and use of personal data for advertising.

In this episode of the Millionaire Insurance Producer Podcast, host Charles Specht discusses the challenges insurance agents face in prospecting and securing exclusive access to markets. He emphasizes the importance of understanding the insurance buyer's perspective, the necessity of Micro-Niching to stand out, and the common issue of agents presenting only one quote in their proposals. Charles advocates for positioning yourself as a "multiple quote option producer" to build trust and ultimately win clients' business through exclusivity. TAKEAWAYS: Prospecting can be frustrating when clients seek multiple quotes. Insurance buyers often don't understand the process or the agents. Micro-Niching helps agents stand out and build trust. Agents should present multiple options to clients. A strong marketing summary is crucial for success. Positioning is key to winning clients' trust. Clients prefer agents who show them multiple options. Understanding the client's perspective is essential. Agents need to change the perception of their role in the market. The Permission Producer School offers valuable training for agents. Moreover, the next cohort of the "PERMISSION PRODUCER SCHOOL" will be starting on February 16, 2026. Find out more information by visiting: www.PermissionProducerSchool.com You won't want to miss out on this one! Produced by PodSquad.fm

In this episode of the Millionaire Insurance Producer Podcast, host ⁠Charles Specht⁠ discusses the challenges insurance agents face in prospecting and securing exclusive access to markets. He emphasizes the importance of understanding the insurance buyer's perspective, the necessity of Micro-Niching to stand out, and the common issue of agents presenting only one quote in their proposals. Charles advocates for positioning yourself as a "multiple quote option producer" to build trust and ultimately win clients' business through exclusivity. TAKEAWAYS: Prospecting can be frustrating when clients seek multiple quotes. Insurance buyers often don't understand the process or the agents. Micro-Niching helps agents stand out and build trust. Agents should present multiple options to clients. A strong marketing summary is crucial for success. Positioning is key to winning clients' trust. Clients prefer agents who show them multiple options. Understanding the client's perspective is essential. Agents need to change the perception of their role in the market. The Permission Producer School offers valuable training for agents. Moreover, the next cohort of the "PERMISSION PRODUCER SCHOOL" will be starting on February 16, 2026. Find out more information by visiting:⁠ www.PermissionProducerSchool.com⁠ You won't want to miss out on this one! Produced by ⁠PodSquad.fm⁠

Happy National Dark Chocolate Day!Ladies and gentlemen we are on the first week without football in months, as we wait for Super Bowl LX. However, we are making a pros and cons list LIVE for if the Seahawks or the Patriots win. Plus, the Vikings fired the GM, 49ers hire new DC, and head coaches are set except for the Raiders. Buckle up!Plus, we have Justin Rose winning the Farmer's Insurance by multiple strokes, a new Grand Slam winner in Tennis, and the Olympics start next week so we will have some thoughts on that. Plenty of sports to talk about!The football segments continue! We have the shambles-o-meter, hang the banners, and of course our DraftKings DFS/Bets recap! Finally, we all root for different teams (49ers - AK, Bills - JVi, Cowboys - ButchP/Tex, & DYLON - Vikings) so we will have to go to the podium to answer questions and/or brag insufferably. Look alive, and let's laugh!Follow us on:HOF Bets: https://hof-bets.app.link/millygoats (Promo Code: MILLYGOATS)Twitter - https://www.twitter.com/MillyGoatsInstagram - https://www.instagram.com/TheMillyGoatsYouTube - https://www.youtube.com/@TheMillyGoatsTwitch - https://www.twitch.tv/TheMillyGoatsPodcastTikTok - https://www.tiktok.com/@TheMillyGoatsApple Pod - https://rb.gy/0meu1Spotify Pod - https://t.ly/ZUfObWeb - https://themillygoats.godaddysites.com/

--{ "Robo-Roaches and New Age Coaches"}-- Kevin Warsh, nominee for Chairman of the Federal Reserve - Robert Lauder, Kevin's father-in-law and head of the World Jewish Congress - Scott Bessent, US Secretary of the Treasury - Waking Up - The Trap - Aliens, Paranormal - Fake Reality. Adolf Hitler, Ancient Tyrants, Powerful Families - Institutions, Royal Institute of International Affairs, Council on Foreign Relations. Cecil Rhodes, Boer War, Raids - British East India Company - Anglo-American Establishment. Queen Elizabeth I - Standards of Living - Ancient Rome, Minoans, Harappans - Brytish Empire, Commonwealth, Parliament - Outer Space, Channelers, New Age Movement - Madame Blavatsky, Anne Besant, Alice Bailey, Theosophy, Mysticism - Discrediting Intelligence - Westminster Abbey: Tesserated (Checkerboard) Floor, Tombs, Obelisks in "Christian" Church. North American Integration, Unification - Montreal, Napoleonic Code - Egypt, Eye of Ra - Skinner, Behaviourism, Alteration of Environment - Genetic Enhancement - "Inferior Types", "Junk Genes" - Self-help Groups, Books - Scientific Crutches, Assurance, Insurance. MI5, MI6, Creation of Modern Mythology for Public - Aleister Crowley, OTO (Ordo Templi Orientis) - H.G. Wells. "New World Order", Hinduism - American Eugenics Society, "Perfect Specimens", Rockefeller, I.G. Farben. National and International Socialism - Trotsky, Perpetual Revolution.

In this episode of Front Cover: A Rough Notes Podcast on the Agency Intelligence Podcast Network, Jason Cass sits down with Andrew Cowan and Dave Taylor of FirstMark Insurance Group, the agency featured on the February 2026 front cover of Rough Notes Magazine.  Key Topics: From Farmers agents to independent: Andrew and Dave's leap into FirstMark in 2013 Bootstrapping for seven years and choosing people over profit to fuel growth Transitioning to 100% remote operations after COVID showed it could work Four guiding principles: positive attitude, confidence, pursuit of excellence, and thoughtful and kind Choosing ideal clients who value advice and coverage over cheap pricing Teaching agents to reframe price conversations around the three things clients deserve Three-tier training system: foundation agents, journeymen, and tenured producers Using Microsoft Teams, EZLynx, and Sales Center for remote coaching and pipeline management Building a leadership team and moving to EOS with a COO as integrator Service model that frees agents to grow by adding client care teams to relationships Reach out to: Andrew Cowan Dave Taylor Jason Cass Visit Website: FirstMark Insurance Group Rough Notes Magazine Produced by PodSquad.fm

Season 5, Episode 4: In this episode of Season 5, Jack and Alex are joined by Alex Killick, Senior Managing Director at CW Capital, one of the largest special servicers in the US. Alex pulls back the curtain on how CMBS special servicing actually works, who controls key decisions once loans move into workouts, and why today's distress looks very different from past downturns. The conversation covers pressure points across multifamily and office, the rise of tenant fraud and insurance costs, and why many resolutions are happening quietly rather than through forced sales. A rare, ground-level view of how distress moves through the real estate system. Shoutout to our sponsor, Bracket. The AI platform transforming how we underwrite deals. TOPICS 01:00 – Alex's Path to CW Capital and the GFC 06:29 – How Special Servicing and CMBS Work 08:35 – B-Piece Control and Servicer Power 14:20 – Why This Cycle Is Different 16:15 – Multifamily Stress in the Sun Belt 21:10 – Tenant Fraud, Insurance, and NOI 24:50 – Workout Decisions vs. Asset Takebacks 26:40 – Office Distress and Capital Costs 38:45 – Private Credit and Quiet Extensions 42:35 – The Metrics CW Capital Tracks For more episodes of No Cap by CRE Daily visit https://www.credaily.com/podcast/ Watch this episode on YouTube: https://www.youtube.com/@NoCapCREDaily About No Cap Podcast Commercial real estate is a $20 trillion industry and a force that shapes America's economic fabric and culture. No Cap by CRE Daily is the commercial real estate podcast that gives you an unfiltered ”No Cap” look into the industry's biggest trends and the money game behind them. Each week co-hosts Jack Stone and Alex Gornik break down the latest headlines with some of the most influential and entertaining figures in commercial real estate. About CRE Daily  CRE Daily is a digital media company covering the business of commercial real estate. Our mission is to empower professionals with the knowledge they need to make smarter decisions and do more business. We do this through our flagship newsletter (CRE Daily) which is read by 65,000+ investors, developers, brokers, and business leaders across the country. Our smart brevity format combined with need-to-know trends has made us one of the fastest growing media brands in commercial real estate.

Jules and I talked about what building real wealth actually looks like and how most people completely misunderstand what it takes. I walked through the early days of Storage Squad, the financial mistakes that nearly broke me, and the pressure of borrowing millions before I knew what I was doing. We got into how one boring self-storage deal changed the entire trajectory of my life, why simple execution beats revolutionary ideas, and how I've kept my personal burn rate low even as my income scaled. This episode is about the long game, how momentum compounds, and why the most important number in your life isn't your net worth, it's your monthly freedom number. Grow your business:   https://sweatystartup.com/events   Book:   https://www.amazon.com/Sweaty-Startup-Doing-Boring-Things/dp/006338762X     Newsletter:   https://www.nickhuber.com/newsletter     My Companies:   Offshore recruiting – https://somewhere.com   Cost segregation – https://recostseg.com   Self storage – https://boltstorage.com   RE development – http://www.boltbuilders.com   Brokerage – https://nickhuber.com   Paid ads – https://adrhino.com   SEO – https://boldseo.com   Insurance – https://titanrisk.com   Pest control – https://spidexx.com     Sell a business:   http://nickhuber.com/sell     Buy a business:   https://www.nickhuber.com/buy     Invest with me:   http://nickhuber.com/invest     Social Profiles:   X – https://www.x.com/sweatystartup   Instagram – https://www.instagram.com/sweatystartup   TikTok – https://www.tiktok.com/404?fromUrl=/sweatystartup   LinkedIn – https://www.linkedin.com/in/sweatystartup     Podcasts:   The Sweaty Startup & The Nick Huber Show   https://open.spotify.com/show/7L5zQxijU81xq4SbVYNs81     Free PDF – How to analyze a self-storage deal:   https://sweatystartup.ck.page/79046c9b03  

Guest: Michael Toth. The segment focuses on California's strategy to empower the Attorney General to sue fossil fuel companies for rising insurance premiums. Toth argues these lawsuits are politically motivated and legally weak, noting that even insurance companies refuse to sue because attributing specific damages or deaths to corporate emissions is factually difficult.UNDATED

What's scarier than ghosts, cults, or cosmic madness?

In this life update, Chalene and Bret share what turned into a full blown catastrophe after a major flood destroyed their California beach house. They walk through the reality of dealing with insurance delays, massive financial decisions, and why coastal properties come with a level of risk most homeowners never see coming. Along the way, the conversation shifts into a surprisingly grounding discussion about money mindset, stress, and how quickly plans and priorities can change. It is honest, sometimes darkly funny, and full of hard earned perspective on loss, gratitude, and not letting stuff define your future. Chalene and Bret also the road trip chaos that took place on their way to visit Chalene's parents.   

About this episode: The U.S. takes a unique approach to health care by tying coverage to employment. This has led to high rates of uninsured Americans, the creation of the Affordable Care Act, and ongoing fights about health care spending culminating in a government shutdown late last year. In this episode: Jonathan Cohn details the health care debate happening in Washington right now, the nuances of universal coverage in other countries, and what might come next for health insurance in the U.S. Guests: Jonathan Cohn is a writer for The Bulwark and the author of "The Ten Year War: Obamacare and the Unfinished Crusade for Universal Coverage". Host: Stephanie Desmon, MA, is a former journalist, author, and the director of public relations and communications for the Johns Hopkins Center for Communication Programs. Show links and related content: Lawmakers reached a surprise bipartisan health deal. Now they have to keep it.—POLITICO Oregon Health Insurance Experiment—National Bureau of Economic Research Defenders of Medicaid cuts are misunderstanding a study I worked on—STAT Inside Rising Health Insurance Costs—Public Health On Call (November 2025) Transcript information: Looking for episode transcripts? Open our podcast on the Apple Podcasts app (desktop or mobile) or the Spotify mobile app to access an auto-generated transcript of any episode. Closed captioning is also available for every episode on our YouTube channel. Contact us: Have a question about something you heard? Looking for a transcript? Want to suggest a topic or guest? Contact us via email or visit our website. Follow us: @‌PublicHealthPod on Bluesky @‌PublicHealthPod on Instagram @‌JohnsHopkinsSPH on Facebook @‌PublicHealthOnCall on YouTube Here's our RSS feed Note: These podcasts are a conversation between the participants, and do not represent the position of Johns Hopkins University.