Podcasts about kennebunkport

In this episode of Architecture, Design & Photography, Trent Bell sits down with Mike Corsie of Terrapin Landscapes to talk about building a business from the ground up, evolving from lawn care into high-end design-build work, and creating landscapes that feel deeply rooted in Maine.  Mike reflects on 25 years in business, the turning points that helped shape Terrapin's identity, and the importance of craftsmanship, trust, and doing what you say you're going to do. The conversation also explores how landscape can tie architecture to place, why native plants and stone matter, and how great outdoor spaces become part of the experience of home.  They also get into the bigger picture: the realities of running a seasonal business, the pressures of creative work, the changing character of coastal Maine, and the tension between thoughtful development and preserving what makes a place feel authentic. About Terrapin Landscapes:  In 2001, Terrapin consisted of Mike Corsie, a truck, and a mower. He built a network of clients in the community around his home of Kennebunkport and delivered on the promise of deeply personal, quality work. Over the years, he invested what he earned back into the business, adding equipment and building an equally committed team. He connected with clients who wanted much more than a manicured lawn and began flexing the design principles that you recognize in Terrapin today: natural stonework, native plants, careful shoreline stabilization, and an overarching sense of belonging.  Today, Terrapin is recognized as one of Southern Maine's premier landscape companies, with a full-time crew of landscapers, masons, and horticulturists, a fleet of hard earned trucks, and a gorgeous design office in Arundel, ME. More from Terrapin Landscapes:  Instagram: https://www.instagram.com/terrapinlandscapes/  Website: https://terrapinlandscapes.com Facebook: https://www.facebook.com/terrapinlandscapes/ More from us:  Website: www.adppodcast.com  Instagram: http://instagram.com/adppod_

In this episode, we react to trailers for "The Punisher: One Last Kill" and "Hulk Hogan: Real American" as well as talking about some MCU and Mando news!   FULL VIDEO EPISODES! That's right folks, you can see our bright smiling idiotic faces in full color on our YouTube channel. Full episodes available as well as clips.   LINKS OF INTEREST: - Here's the “The Punisher: One Last Kill” trailer - Here's the “Hulk Hogan: Real American” documentary trailer - Your "Avengers: Doomsday" rumor o' the week: Loki may not be long for the multiverse - Marvel Studios will delay the start of the MCUs 3rd Saga - Is there reason to be worried about "The Mandalorian & Grogu"? - Updates for "The Mandalorian & Grogu"   ...AND ANOTHER THING: The Man They Call Tim suggests watching the Six Feet Under podcast with The Undertaker and JBL Uncle Todd suggests checking out The Lost Fire in Kennebunkport, Maine   FOLLOW US ON THE SOCIAL MEDIAS: Facebook - http://facebook.com/freerangeidiocy Instagram - http://instagram.com/freerangeidiocy YouTube - http://youtube.com/@freerangeidiocy

Keith challenges the belief that all debt is bad and reframes it as a tool for building wealth when used intentionally.  He contrasts destructive consumer debt with productive investment debt, especially in real estate, and explains how inflation, long-term fixed-rate loans, and rental income can work together to grow net worth.  Keith explores the mindset shift from prioritizing safety and being debt-free to pursuing growth through leverage, highlights the opportunity cost of avoiding debt, and offers practical guidelines for using borrowing rationally rather than emotionally.  He also shows how modern economies and many wealthy individuals rely on strategic debt, positioning it as a key part of a more intentional, asset-focused version of the American Dream. Episode Page: GetRichEducation.com/600 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  FAMILY to 66866  Unlock truly passive real estate income—visit flockhomes.com/GRE today to see if your properties qualify for a 721 exchange with Flock Homes. 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  0:00   welcome to GRE. I'm your host. Keith weinholder, there's bad debt, good debt and great debt. Are you using debt wisely, and are you ensuring that you stay in debt? Because debt is the American dream today, on get rich education milestone episode 600   Corey Coates  0:23   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 in 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  1:06   the same place where I get my own mortgage loans is where you can get yours. Ridge lending group and MLS, 42056, they provided our listeners with more loans than anyone because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage. Start your prequel and even chat with President chailey Ridge personally while it's on your mind, start at Ridge lending group.com that's Ridge lending group.com   Speaker 1  1:40   You're listening to the show that has created more financial freedom than nearly any show in the world. This is get rich education.   Keith Weinhold  1:56   Welcome to GRE from Kennewick, Washington at Kennebunkport, Maine and across 188 nations worldwide. I'm Keith Weinhold, and you are inside get rich education. Yes, America's favorite slack jawed mammal on a microphone has got his act back on track, for your listening pleasure, since 2014 This is our 600th wealth building week in a row, you've been misled, not maliciously, not even intentionally, but somewhere along the way, a really expensive idea got planted inside your head, and it was once planted inside my head, that debt is bad, just blanketly bad, that the goal is to be debt free, that owing money to somebody else is something to escape as fast as possible. And look, I get it, if your mindset is in the old middle class consumer credit world like mine was for much of my life, debt feels heavy, it feels like risk, it feels like obligation, but the people telling you to avoid debt, they're the same people that never built much wealth now a reliance on 22% APR, credit card debt just To pay basic living expenses, because it's the only way that you could do it, merely making the minimum monthly payment that right there is the road to ruin. Why? Well, because the interest rate is high, because you have to pay it back yourself, and because it's unsecured, meaning that there's no collateral, and at the same time, the people quietly getting rich, what are they doing? They're using debt every single day. So debt is not the enemy, it's just the tool, and like any tool, it can build a house, or it can smash your thumb if you miss the nail. Well today we're going to separate the two, because if you understand this one concept, then you stop playing defense financially and start going on offense. In fact, I'll go further. Debt isn't the opposite of the American Dream used correctly. Debt is the American dream. Now, my turning point was really fueled when I made my first ever home, that $295,000 blue four Plex Building Two decades ago, with just my three and a half percent down payment. That meant that 96 and a half percent was borrowed. That's debt, and that fueled everything for me, and got the ball rolling on using that seminal four Plex to leverage even more debt and more property with 1031 exchanges and cash out refinances debt made that American dream free. Me because I could not have afforded $295,000 all cash back then. Now, a guest that we had on the show last year and the owner of a commercial lending company, Hannah Hannan, she recently talked about the virtues of debt. I met Hannah because we were both faculty members on last year's real estate guys Investor Summit at sea cruise. Well, Hannah went on a different cruise and saw in Jamaica that there were all these vacant and uncompleted houses just sort of weirdly stuck at different stages of construction. She asked the tour guide, why are these houses all abandoned? And and the tour guide answered, we don't have loans here in Jamaica. People have to work make money and then start the build, and then the build pauses while they make more money, and then they have to construct the next phase of the build as they go and go back to making more money like that. I mean, sheesh, that's awful. Can you imagine if you had to build a home or a rental property for yourself that way? Well, back here in the US, access to debt is what allows people to build wealth faster, especially in real estate, you can use other people's money control large assets, pay less in taxes and compound off a much smaller amount of capital. That's the difference. Debt availability is really good in the US compared to other nations, and that's the emphasis on the American part of today's episode. Debt is the American dream. Now, when it comes to the big misunderstanding, most people think that debt is really just one thing. They just lump it all like it's all bad, credit cards, car loans, student loans, mortgages. A lot of people, they really do. They just still throw it all into one mental bucket that's sort of labeled da, avoid that at all costs. I'm telling you, no way you cannot do that. I mean, this is like saying food is bad because candy exists. No, there's junk food and there's fuel. It's the same with debt. Consumer debt is a wealth killer. Investment debt is a wealth creator, and if you don't know the difference well, you end up avoiding the very thing that could move your life forward. Here's another way to think about it, debt doesn't make you poor. Using debt poorly makes you poor.    Keith Weinhold  7:36   In real estate, inflation is quietly paying your mortgage, even if you never made a principal payment at all. When you really understand this, it almost sounds too good to be true. Most people think inflation is just rising prices, and it is that, but they miss the other side of the equation. Inflation also shrinks debt, something I've been talking about for more than 10 years here. If you have a 30 year fixed rate mortgage, you're paying back that loan with future dollars that are worth less, and meanwhile, rents tend to rise, wages tend to rise, and asset values tend to rise, but your mortgage, it stays fixed. Inflation can't touch it, and that means that over time, your payment gets easier and easier to make. Oh, and then if you've got a tenant in place as well, oh, they're the one sending in the check for everything. And inflation is not just happening to you. It's now working for you. If you've got, say, a $500,000 mortgage loan, and inflation is 3% well, then inflation enriched you by $15,000 every single year. That's $1,250 a month just on this 500k mortgage loan. And if you've got an investment property rented out. You've even got the tenant paying down, oh, maybe $400 in monthly principal for you on the property, plus this $1,250 in inflation profiting, plus $100 of cash flow. This is $1,750 in monthly benefit before we've even added in your tax benefits and the appreciation potential. What made this all happen debt is what made it all a reality for you. When we talk about why the middle class fears debt, yeah, there is a mindset divide here. On one side, it simply says, get out of debt, stay out of debt and avoid risk. On the other we ask, How can I use that to acquire assets? So it's really like the first group is focused on safety and the second group is focused on growth, and after a while you have to ask bigger X. Potential questions like, do you want to live a life of safety, or do you want to live a life of growth? Now, I'm not knocking discipline, but there is a hidden cost to avoiding debt entirely. It's called opportunity cost. When you pay all cash, oh, well, then you lose leverage, you lose scalability, you lose tax advantages, and you often lose time. Hey, just like I would have by postponing my first four Plex purchase for, say, five plus years until I could have saved up all that money by myself. That's why playing it safe is often the riskiest move, because while you're sitting on the sidelines, inflation and rising prices are still in the game, and you've taken yourself out of the game. When we talk about the American dream, look, America was built on debt leverage.    Keith Weinhold  11:01   Zoom out for a second. This isn't just about you and me. America itself was built on debt. Railroads were financed with borrowed money that helped Cornelius Vanderbilt build his railroad empire in the 1800s in the 1900s highways were funded through government debt. Today, our entire suburbs are built on mortgages. Leverage didn't break the system. It built the system. So it's kind of ironic that today people are told the safest move is to avoid the very mechanism that built this modern economy that you and I are living inside every day. Debt is how things get done. Now, practically, yes, debt can absolutely wreck you if it's used poorly. So we think about some simple guardrails then favor fixed rate debt over variable match long term debt with long term assets, and you want to chiefly borrow for cash flowing or appreciating assets, and also stress test your deals assume that things won't go perfectly. So this certainly is not about being reckless. It's about being intentional. Debt should serve you, not the other way around. And now notice how I said to chiefly use debt for cash flowing or appreciating assets. I didn't say solely because you'll remember how last year, I talked to you about how I bought a new car for myself and financed as much as I was allowed, almost 100% debt. I had to make, like, a two or 3k down payment on the car because it was a special order. And once they start, you know, building it and customizing it for me, well, then they're at risk if they don't have a deposit, all right? Well, I found a way to make this car debt pretty good debt. Oh, and you might be thinking, oh, yeah, of course. Well, if you use it for business, you probably get some deductions that way. Oh, no, no. Business use totally a personal car, almost leveraged to the hilt, but it's not bad debt, and I'll tell you why. By the way, this isn't some high end exotic car. It's a BMW x3 SUV. It was like 53 or 55k and now how could I possibly call this good debt? Nope, I'm not running it out to other people or anything like that, because here, unlike income property, where a tenant pays it down, I do have to make these car payments myself. Well, in a word, the reason I did it this way is for the arbitrage. I got a fixed 3.99% interest rate for five years. Call it 4% Oh, I am almost certainly going to beat that by investing those dollars in real estate. So the 55k almost that I did not have to allocate to a car. Oh, well, that amount is enough for a down payment and closing costs on a cash flowing rental. That's probably going to pay me five ways with a total ROI that I expect to be multiples above the 4% interest rate, but the car's value depreciates. What about that debt on a depreciating asset? A car depreciates at the same rate whether it's bought all cash or all debt. It doesn't matter. Here is the better question, why tie up that much in a depreciating asset? 55k if I had paid all cash which I could have, I would have foregone returns and paid opportunity cost. Now, arbitraging car debt this way. That's not great debt. I don't put it in that category like real estate that pays for itself is and that is mostly because no tenant services. My personal car debt. For me, this car debt is just good debt, not great debt. Now how about some more guardrails? How can you keep yourself from going nuts and just trying to arbitrage everything. How would you know if you've gone too far? I mean, any person that's savvy with personal finance has to ask themselves a question, and that is always, what is the risk associated with this investment, or what is the risk associated with this debt, right? Because I already talked about the upsides of car debt this way. Well, the first risk is that I don't successfully arbitrage it. Rather than having the 55k sunk into the car, I have it invested elsewhere than say, it doesn't achieve a greater than 4% return. Well, the risk of that happening is small, maybe about a 10% chance. What's another big risk of leveraging car debt this way? Well, it's if you cannot make the monthly payment, which for me is about $1,050 a month, 1050 that's a comfortable payment. For me, if you can't make the payment that's called, you got yourself into an over leveraged condition. But for me, these risks are manageable. And this is applied thinking. This is clear eyed thinking, rational decision making, a level headed approach, a long term approach. It's common sense investing. Have a strategy and then invest your plan, not your emotions. Look paying off debt. That's often an emotional response, like when the debt is at a low interest rate and yes, understanding that debt is the American dream. Okay, this is still a pretty unconventional understanding, for sure, but it is pragmatism over emotions. When emotions go up, intelligence goes down. You can see that in a lot of places in your life. I can too. I think that a lot of the emotion happened to us when we were really young, perhaps age 12. And maybe you're saying, Oh, well, grandpa, he would not have arranged his finances this way. Grandpa wouldn't have leveraged all this real estate debt, and he sure wouldn't have thought that arbitraging car debt is savvy, but your grandpa was born before 1971 back when the dollar was still gold, backed if you're older now, your grandpa might have even been affected by living through the 1930s Great Depression. Our world does not work that way. Today, the dollar is no longer tethered to gold. It's just borrowed and lent into existence, and another Great Depression that's actually really unlikely. In the 1930s President Herbert Hoover refused to provide government support to prop up the economy, and sheesh today, any crisis is like immediately propped up by us printing a ton of dollars and then giving them out, just like covid stimulus checks and mortgage loan forbearance and all of that debt, debt, debt. Now I don't think that all of that is good, but you got to acknowledge that that's the world we live in today. If you're debt averse, because grandpa always said to stay out of debt, well then you know what you can take solace. Take comfort in the fact that today, ultimately, grandpa would have understood that the world changed, and he would want what is best for you.    Keith Weinhold  19:03   I'm get rich education. Host Keith Weinhold, this week, we're talking about why debt is the American dream on episode 600 with guidance that's practical, contrarian investor first and non emotional. Contrarian does not mean reckless. And by the way, just because something is mainstream, well, that doesn't necessarily make it bad, but in this case with debt, it often does. Here we're kind of back onto the old Mark Twain quote. Go out on a limb, that's where the fruit is. This is independent thinking for real world investors. It's where theory meets what actually works, and I'll discuss some specific actionable guidance for you before we're done today. But this is largely about ignoring the masses and following a clear incentive path. And what do the masses do? Now they kind of all gel together and get pumped up when they follow these debt free call in radio shows where the host advises the caller to always desperately retire debt at all costs. They'll even tell you work a second and a third job. You got to postpone vacations. They'll tell you to defer your life and go into lifestyle debt. Then in order to desperately stay out of financial debt, we're never going to get that time back. So just chill, take it easy with a lot of debt types inflation and sometimes tenants both passively pay it back for you. I mean, on these debt free call in radio shows, almost every time they give guidance, I kind of chuckle when I listen to this stuff. I sort of quietly ask myself, how would that path ever build wealth like when people are advised to retire 3% mortgage debt? Why dreadful sounding guidance like this happens is because it keeps irresponsible people from going over a cliff. That's all it serves to do. I mean, you're here listening to me because you're good with money, or you desire to be good with money and not give all your money away to creditors used intelligently. Debt isn't reckless. It's a tool, and it's one that lets you scale without trading every hour of your life for dollars. It seems to me that some of the groups of people that need to hear the debt is the American Dream message. They tend to be in a few groups. I need to be careful here, but I'm talking about groups like people with less financial education, engineers and women. It doesn't mean that people with less financial education are any less intelligent. And then when it comes to the engineering profession, you know that type of person tends to be unusually conservative, and I've worked for engineering firms in the past, so I wouldn't know this is somewhat of a paradox. Since engineers are the calculating types, you would think that they would have leverage and arbitrage figured out, and then women are a group that they tend to be more debt averse than most, and this is not a knock on women at all. In fact, women generally do a lot of things better than men do. I mean, I could go on and on there, like emotional intelligence and social awareness and relationship building and even multitasking and sticking to a plan, but I know couples where the husband does understand that it does not make a lick of financial sense to pay off the home, but he did it because the wife wants it so badly she deems that as security. But yeah, there was a time in my life where I thought that being millions of dollars in debt. Oh, that just sounded awful, like I thought that after graduating from college, but Oh, position well, with leverage in real estate, after a long time, you might get yourself where you're increasing your debt half a million bucks every year, but right alongside it, you're increasing your asset value 1 million bucks every year. Well, right there, since net worth is assets minus debt, you're increasing your net worth by a half million bucks a year because you have a big amount to leverage, because you've been a real estate investor for a long time. For example, debt made that American dream possible. But, yeah, the needling engineer type that's conventional and is like still the guy faithfully contributing to their 401 k which is locked up until their age, 59 and a half and keeps paying down debt. You know, they're the ones showing up to their engineering job in a pair of Dockers pants. I'm telling you, people that wear Dockers are not good debtors. I mean, do they still make stupid Dockers? I've got to look that up. Do those pants have pleats at the front or not? I don't even know.    Speaker 2  24:16   Levi's 100% cotton Dockers. If you're not wearing Dockers, you're just wearing pants.   Keith Weinhold  24:21   Oh jeez. And yeah, they still do make Dockers. I mean, the stereotypical needling engineer that dutifully contributes to a 401, K, he's got to have a complete dresser drawer full of stupid Dockers, no doubt.   Keith Weinhold  24:37   Hey, I can make a little fun of them, because I spent a lot of time in that world. I think it makes sense to contribute to a 401 K, by the way, but only up to the employer match amount. That way it's tax advantaged, and you're using other people's money one to one, but above that, oh, every dollar you lock inside a 401 k is $1 that can No. Longer leverage other people's money. That means no debt, no leverage, and a steep opportunity cost. Now to get a holistic picture here, we need to think through what are some reasons to pay down debt, or to pay off debt and completely retire it? Because there are some good reasons for doing that. I talked about credit cards earlier, student loan debt is also not good debt, because you must pay that debt, not somebody else, like a tenant, and now their interest rates are not as high as credit cards, but there's also no collateral with student loans. Maybe you could arbitrage it, like I did with my car, but student loan debt can't be discharged in bankruptcy. Like most other debt types, can you also want to pay off debt when an interest rate is working against you and not for you. Also, if you want to buy more property, but you need to lower your DTI in order to qualify with your mortgage loan underwriter that is lower your debt to income ratio before you take out another mortgage. Oh, well, that would be a reason, for example, to pay off a car loan. Another reason to pay off debt is if you're approaching retirement and you expect a decrease in your income, then you would want to revisit that here at GRE you might be structuring things to increase your income once you retire. That's its own discussion. They are some of the reasons to pay off debt. It makes sense sometimes, and with all those reasons, we've kept emotions out of it. But otherwise, yeah, bring on the good debt. Debt and loan are my two favorite four letter words the wealthiest people have the most debt. I've discussed that reality before on previous episodes, and I gave a lot of examples, like with Mark Zuckerberg and also with Jay Z and Beyonce, so I won't go into all that again. So therefore, let me discuss how, not only do the wealthiest people have the most debt, I mean, for example, I'm wealthier than I've ever been, and I simultaneously have the most debt that I've ever had. Not surprisingly, the wealthiest world nations have the most debt too. Let's look at it from the perspective of household debt as a percent of GDP. There are about 200 world nations, and sure enough, the US ranks pretty high 13th in this measure of household debt, the top 10 nations, counting them down from 10 to one is and look, they're all wealthy nations that have the most debt, Sweden, Denmark, Hong Kong, Norway, South Korea. Up to fifth is New Zealand. And then you've got the Netherlands at fourth, and then Canada, Australia, and number one is the nation that you probably think of as the most wealthy and stable in the entire world. It is Switzerland. They are number one in household debt per GDP, and then the poorest of the 200 world nations have the least debt and the highest interest rates and the least stable currencies. But see, the wealthy nations can borrow the most. These countries can borrow trillions because investors trust them. Their economies are productive and they can service the payments just like you see, say that I know you've got $5 million in debt. Just say that's true. All right. Well, now that's an interesting thing that I know about you, and now I can automatically deduce something else about you. I know that you must be pretty credit worthy for anyone to have even extended you that much credit. So a high debt level is a mark of creditworthiness. The richest people have the most debt and the richest nations have the most debt too. Debt is a contract with time. Here's the deeper idea, debt lets you pull future resources into today. It's financial time travel. But there is a catch. You need to deploy that capital into something that grows faster than the cost of borrowing. If you do that, you win. If you don't, then you just brought future problems into the present debt is time travel, and most people just waste the trip. That's why debt has a bad name. Debt Free surely is not the goal. But you know, even hitting a certain net worth or income mark is not an end goal. Their financial goal. But not the end. The end goal is genuinely living the best version of you. And in fact, let's listen to this together for a minute or two from the parallel truth. Are you really living? It's a little oversimplified, but this is quite a bit more substantive than civil engineers wearing Levi's 100% cotton Dockers. Don't be startled by the sound effects.   Speaker 3  30:23   If you really think working 50 years at a job you hate just to get a few years of so called Freedom makes sense, then I'm sorry to say, you have been brainwashed. This is not living. It's a trap. From the moment you're born, the system starts programming you. School doesn't teach you to think. It teaches you to obey, to sit still, follow orders and wait for permission. Then comes work, where your best years, your energy, your creativity, all get drained away to build someone else's dream. And they call that success. Retirement is the prize they dangle in front of you. Work hard now, they say, so one day you can finally rest. But by the time that day comes, your body's worn out, your fire's gone, and all those dreams you once had, they faded into routine. You traded your time for money and then your health to earn it back. And here's the cruel truth, that's not an accident. It's designed that way, a system built to keep you tired, broke and too distracted to notice what's really happening. They want you so busy surviving that you forget to actually live the scam is simple. They steal your youth when it's full of energy, passion and possibility, and then hand you back your freedom when you're too weak to use it. And the worst part, most people defend the very system that's enslaving them. They call it normal life. They laugh at anyone who questions it, because it's easier to believe the lie than to face the truth. But nothing about this is normal. It's just comfortable enough to stop you from revolting. They give you weekends, holidays and Netflix tiny doses of relief so you don't question the cage you live in. You were born to create, to explore, to build your own path, not to clock in and out until the day you die. The world doesn't need more workers. It needs more thinkers, more dreamers, more people brave enough to walk away from the illusion. So ask yourself, are you really living or just slowly dying inside a system that calls itself freedom?   Speaker 4  31:59   Yeah. Are you truly living or just existing with GRE plan, you can often retire in five to 10 years. So no debt isn't something to fear. It's something to understand. Because the difference between being stuck financially and moving forward faster than you thought possible, it often comes down to one thing, whether you avoid debt or you learn to use it, the American dream is not about being debt free. It's more about owning assets, leveraging wisely, and then letting time tenants and inflation do some of the heavy lifting for you, all of your life. Debt is the American dream, and I've got more on this for you today, coming up here on the show in future, GRE episodes, Rich Dad, Poor Dad. Author Robert Kiyosaki publicly states that he has $1.4 billion in debt, billion with a B, not because he's irresponsible, because he understands leverage and debt often entails a tax advantage with it too. Later this spring, Robert Kiyosaki returns to the show with me here. He's been one of our more recurrent guests over time. Next week, Redfin chief economist, Darrell fairweather, PhD, sits down with me here. Also a lot of other prominent guests lined up, like real estate influencer thatch Wynn will be here with me and lots of other great episodes coming up, including a lot of content that you wouldn't expect to hear that can make a real difference in your life. Be sure to follow or subscribe to the show and also tell a friend about the show today could very well be one of these paradigm shifting episodes that you want to share on social media. More straight ahead you're listening to debt is the American Dream On get rich education.    Keith Weinhold  33:50   Let me throw out a simple idea, sometimes doing nothing with your money is actually a decision. Leaving it parked might feel safe, but over time, purchasing power changes. So the conversation isn't about chasing returns. It's about intentionally placing money somewhere. Freedom, family investments works in real estate people use every day housing, senior communities, essential properties, things tied to living and not trends, their freedom notes. Offering is built for accredited investors looking for structured income backed by real assets, not speculation. I am an investor with them myself. The Freedom team makes themselves available to walk through their approach, structure and operating philosophy, so you can ask questions and determine alignment before moving forward, while past performance doesn't guarantee future results, their historical operating philosophy has yielded 100% investor payouts backed by over 20 years of experience. If you want clarity before making any moves, book a clarity call. At freedom familyinvestments.com or text family to 66 866, text the word family to 66 866.    Keith Weinhold  35:12   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, slash GRE, that's F, l, O, C, K, homes.com/gre   Tom Wheelwright  35:50   This is Rich Dad Advisor Tom wheelwright. Listen to get rich education with Keith Weinhold, and don't quit your Daydream.   Keith Weinhold  36:02   You welcome back to get rich Education. I'm your host, Keith Weinhold its debt is the American dream on episode 600 now, just before taking the mic, about 30 minutes ago, I ate some raspberries. I looked at the package to see where they were grown Mexico. Someone in Mexico supplied them. There was a supply chain. Those raspberries were planted in rows with trellising grown, and then they need to be hand picked. They're highly perishable, and they need to be shipped a long way fast, therefore, I just simply had the exorbitant privilege of buying those raspberries from a lit refrigerated store shelf with my dollars. Well, effectively, a bank lent me those dollars. Most of my debt is real estate debt, where time, tenants and inflation service my debt for me. I mean, what an amazing world. I'm just here to control those flows, those flows of money between Mexican raspberry growers, for my property managers that manage my tenants and for the banks that provide the loan. I mean, gosh, debt really is the American dream. It made raspberries appear. This is a contrarian way of thinking, but it's calculated. It's unconventional, but it's first principles thinking, rather than emotions from grandpa. You know something I've said it before that. Hey, I'm proud that throughout my life I have never ridden the government dole. Once. Never have I done that. I've never accepted a subsidy, no covid stimulus checks. I've never accepted an unemployment check in my life, even though I could have been eligible one time. I'm proud of that, because otherwise taxpayers would have had to work for me and pay for me. But in a way, since so many of my mortgage loans are subsidized, I am riding the government dole to get 30 year mortgage money at a 7% interest rate, that's also tax deductible, so therefore maybe I'm paying 5% I mean, that's a really good deal, and the government backing makes banks want to provide lucrative loans to us, just like the FHA program that I personally began with on a fourplex, and Just like these first 10 Fannie, Mae, Freddie Mac backed investor loans that you can get for one to four unit properties. So although it's indirect, it's really like a government handout that we're getting. And what can we do when we can do our part in giving back by doing good in the world and providing good housing, not being slumlords. That's the path that we're on here and the future, it's always going to feel uncertain. Always, I'm encouraging you. You've got to plant the tree, you've got to take the leap. You've got to choose to believe that there is something worth building toward optimism is not about ignoring what's broken in the world. It's about deciding anyway to keep on going, and you're probably doing a lot right, working hard, earning, well, a little saving, but more investing. There's a problem that very few people talk about, labor income is taxed heavily, asset income is treated better, and then 401, K income, well, that doesn't even start arriving until you're about 60 or 70. And really, this is why a lot of high performing. Professionals eventually hit a wall. They make more money, but they don't feel much freer. The people who break out usually do one thing differently. They stop relying on one income source, and they start building income producing assets, and that's where I come in, you already know how to do things like budget and save. We all learned that quite a long time ago, and we've all heard the usual advice about maxing out your 41k waiting for years and just sort of hoping, and that might build a nest egg like that usually does turn into something, and it's better than nothing. It usually won't build outsized returns or freedom, though, and surely not while you're young enough to fully enjoy it. So get rich education is about a different path, building durable wealth through income, property, financial education and smarter leverage, certainly not day trading, certainly not get rich quick, just a proven framework for escaping overdependence on a paycheck, a generationally proven vehicle here and here you get the mindset and tactics to make generationally proven real estate a life changing investment because most people are Climbing the wrong mountain. A lot of smart professionals spend 30 years trying to save their way to freedom, but wealth usually grows faster when you own assets that produce income appreciate over time, offer tax advantages and can be financed with long term debt. That's how you get a lot of them. That is the difference between working hard and building leverage. So you can't out earn a broken wealth strategy.    Keith Weinhold  41:47   Most people earn income, but few people own income. You own the source of the income when you have rental property. A lot of smart professionals really learn that too late, Your salary alone doesn't even have the ability to make you wealthy, since wealth is freedom. So we use an abundance mentality to invest in assets that are scarce. Most people use a scarcity mentality, leading with loss aversion, to invest in something that's abundant and plentiful. So there is always opportunity out there in a market as big and as broad as the US residential real estate market. Where is that opportunity today? Well, I'll tell you that list prices rose 2% year over year to a median of 423k that's in the four week period that just ended according to Redfin. But notice I said that was the list price buyers haggled them down to about 389k that's really significant. It's really proof that sellers are willing to bend in today's markets. So therefore in most markets, I'm encouraging you to make an offer that's below the list price, as we know, available for sale property that is still scarce in a lot of the Northeast and Midwest, and supply is abundant in Texas and Florida. But here's the thing, although Florida inventory is higher now than it was pre pandemic over that six or seven year stretch, here's the new trend, and it's worthwhile to identify inflection points like this on a year over year basis. So looking at only the past one year, Florida inventory is now down 4% it's no longer going up. So it's possible that we've reached the peak of this new Florida supply. We could have hit the turning point now, and yet, builders are still buying down your mortgage rate to about 4% giving you that long term fixed rate on new builds. So I'm telling you, that's where the opportunity is now. As far as the rent side, nationally, I don't see rents going up significantly anytime soon, and that's for most everything, single family rentals all the way up to huge apartment buildings. Rent increases in the single family to fourplex space, they showed some real promise last spring, a year ago, but as we got into summer, they didn't really materialize. Now, although you get rent increases historically, it's never wise to buy and just assume that that is automatic. But I want to underscore the fact that you really should not count on a rent increase over the next year. So that's new builds.    Keith Weinhold  44:53   The other area ripe for opportunity. Here is burrs, buy, renovate, rent. Finance and repeat properties and among GRE listeners, burrs have been our most popular investment over the past two years. Yeah, Memphis, Little Rock, Birmingham and Kansas City, they are our hottest and most reliable burr markets, and we've really improved our burr operations since first helping you with those found the secret sauce, as far as helping you get the right provider that doesn't leave you hanging on the renovation, burrs are also good for you if you have fewer investment resources than what new build properties require. GRE coaching calls and our coaching program are completely free to help you with this now. Of course, our investment coaches listen to all the GRE episodes like you. They're aligned, and we have family guys that work here, like our investment coach Naresh. He has a wife and kids, and he's just the type of person that you want to see succeed in life and that you would enjoy working with over time. And we are all investors ourselves here, every one of us, so it doesn't hurt to set up a 30 minute consultation call to see if our GRE coaching program is right for you, some good, abundantly minded council for free. Our investment coaches have access to the best deals in real time. That alone is worth a connection. We're in constant communication with the top national providers in the best markets. So there might be an incentive today, like, say, a builder rate by down to 4% that didn't exist just two days ago or yesterday. So this is why investors are succeeding. They're also succeeding thanks to our recent Florida online live event. Connect with us to watch the replay and get in on these deals yourself. In fact, we have never seen so many incentives and price reductions in GRE history as we are right now. And see, here's the thing, when it comes to you making an offer below the list price, because our coaches work with other GRE listeners, they're going to know how low that seller is really going to go for you on that price. So that negotiation is some key information that you can learn. We have access to more than 200 deals nationwide, so contact our real estate investment coaches to get access and these burr properties can give you a super high ROI, because sometimes you can end up with as little as 10k or 20k of equity invested in an income producing single family rental. That's probably going to be 20k or more. And then with some of these developers that overbuilt in places like Florida, make that offer use good debt and take advantage of that interest rate in the fours. Buy low. And the reason that these new build deals provide positive income is because you buy at a lower purchase price overall, and you get a fixed rate in the fours, and you get a low property insurance rate, since they are new build properties, you don't need urgency right now so much as you need clarity, because there are opportunities, real ones, whether it's burrs in the Midwest or builder incentives in places like Florida, where you can Get those 4% rates. But the challenge isn't finding opportunity, it's knowing which one is right for you, and that's exactly what we help you do. And since our coaches are active investors themselves, they follow the same markets and the same providers and the same strategies that we talk about here on the show. So instead of guessing or going back and forth in emails, just get clear book, a quick call. It's free, it's 30 minutes, and it could save you months or years of going in the wrong direction. You can do that@greinvestmentcoach.com that's greinvestmentcoach.com the best thing you can do next is get aligned with the right opportunity. I'll chat with you in a week. I'm Keith Weinhold. Don't quit your Daydream.   Speaker 3  49:35   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 the.   Speaker 4  50:03   The preceding program was brought to you by your home for wealth, building, get richeducation.com

Welcome to New England Legends From the Vault – FtV Episode 145 –   Jeff Belanger and Ray Auger sail the shores of southern Maine from Kennebunkport to York, searching for the ghost ship Isidore. They say the Isidore was cursed from the start, which is why she wrecked on her maiden voyage November 30, 1842. Had the captain and crew heeded their premonitions, maybe 16 lives could have been spared. The story of this tragedy may have been lost if not for a song and book by Maine troubadour Harvey Reid, who joins Jeff and Ray on this episode. This episode first aired December 16, 2021   Listen ad-free plus get early access and bonus episodes at: https://www.patreon.com/NewEnglandLegends 

(Intro) Weekend Recap (5TYNTK) Porch Pirate Warning, Gorham Gas Evacuation, Missing Student Scare, GMA in Kennebunkport, Northern Lights Alert (Dirty) Busta Mistaken, Derulo Boycott, Kimmel Extends, Cardi Piercings (Topic) Has someone every posted a horribly edited photo of yourself? (Outro) Secret Santa

Keith reviews the state of the real estate market, noting that existing home sales are down about 33% from their 2021 peak, while prices remain firm due to low supply and high demand.  Affordability challenges are driven by stagnant wages, inflation, and higher mortgage rates, with 70% of mortgage holders still locked in at rates below 5%.  He observes that in certain markets, new construction may now offer better investor terms than comparable existing properties, especially where builders buy down rates.  The episode highlights a comparison of nearly a century of asset class returns, reporting real estate's long-term annual appreciation at approximately 4.7%. Episode Page: GetRichEducation.com/583 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  For predictable 10-12% quarterly returns, visit FreedomFamilyInvestments.com/GRE or text  1-937-795-8989 to speak with a freedom coach Will you please leave a review for the show? I'd be grateful. Search "how to leave an Apple Podcasts review"  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— GREletter.com or text 'GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation   Complete episode transcript: Keith Weinhold  0:01   welcome to GRE. I'm your host. Keith Weinhold, how do other audiences feel about the GRE mantras that we've come to love here, like financially free beats debt free and don't get your money to work for you? Then sometimes it's not what you're attracted to in life, but what you're running away from finally comparing the returns from six major asset classes over the past century all today on get rich education    Keith Weinhold  0:29   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   Corey Coates  1:18   You're listening to the show that has created more financial freedom than nearly any show in the world. This is get rich education.   Keith Weinhold  1:34   Welcome to GRE from Kennebunkport, Maine to Bridgeport, Connecticut and across 188 nations worldwide. It is the voice of real estate investing since 2014 I'm Keith Weinhold, and I'm grateful to have you here with me, and we're doing something a little different today, as you'll soon listen in to me as I was on the hot seat being interviewed on another prominent real estate show. But first, when you pull back and ask yourself, why you're really an investor in the first place? There are so many reasons. Maybe you just want a few properties in order to supplement your day job income. Maybe you want to have more than a few so that you can completely replace that active income, or perhaps rather than going the route of building up your cash flow, which is valid, but some think that it's the only way to real estate financial freedom. Instead, you could own, say, nine doors or 22 doors, and even if they all had zero cash flow, you can just keep borrowing against that leverage and equity tax free and live off of that whatever you do when it comes to your day job, income, your degree of disdain for your nine to five job that is going to be greater or less than it is for some others. So your motivation for self improvement, it isn't always about what you're running to in life, which could be real estate investing, but it's also what you're running away from, especially if you don't get a deeply rooted sense of meaning from your job. So you could have both a push factor and a pull factor in what motivates you. There's a scene from the 1999 movie Office Space that just does this incredibly unvarnished job of saying out loud how so many of us feel today. What I'm going to share with you, I mean, you know that you have felt this at least once in your life. Office space wasn't supposed to be a mega hit movie, but it kind of was, because it's so relatable. Let's listen in to part of this clip. This is Ron Livingston playing a disgruntled male employee talking to Jennifer Aniston at a restaurant about his job in the movie Office Space.   Speaker 1  4:09   I don't like my job, and I don't think I'm gonna go anymore. You're just not gonna go. Yeah, won't you get fired? I don't know, but I really don't like it, and I'm not gonna go.   Keith Weinhold  4:24   Then it continues when she asks. So you're just gonna quit? No, not really. I'm just gonna stop going. When did you decide all of that? About an hour ago? Really? Yeah, aren't you going to get another job? I don't think I'd like another job. What are you going to do about money in bills and all that? I've never really liked paying bills. I don't think I'm going to do that either.   Keith Weinhold  4:53   That's it. That is the end of that classic dialog from office space that we can. All relate to you did not wake up to be mediocre, but a lot of people's jobs pummel them into a rather prosaic state. You were born rich because you were born with this abundance of choices, this huge palette in menu, but society often stifles that and makes you forget it, and it gets really easy to just fall into your groove and stay there. The main reason we aren't living our dreams is really because we're living our fears. Failure doesn't actually destroy as many dreams as people think fear and doubt. Does fear and doubt destroy more dreams than failure ever does financial runway? That is a phrase for the amount of time that you can maintain your lifestyle without the need for a paycheck. And it's critical for you to lengthen this runway if you hope to retire early, and it will dramatically reduce your stress level. An example is say that you currently earn 150k per year after taxes, and you spend 126k of that, all right. Well, that means you've got a surplus of 24k a year. Well, it's going to take you a little over five years to accumulate that 126k that you need to annually support your lifestyle. That's what happens if you don't invest. And see investing helps you lengthen your financial runway, that amount of time you can maintain your lifestyle without the need for a paycheck. That's what we're talking about here. Last week I brought you the show from Caesar's Palace in the center of the Las Vegas Strip. So therefore, what I've done is I have gone from the ostentatious and flamboyant over here to the familial and simple as this week I'm in Buffalo New York, broadcasting from a somewhat makeshift GRE studio here, the Buffalo Bills had a home game yesterday, so the city and hotels are busier than usual. Next week, I will bring you the show from upstate Pennsylvania, as I'm traveling to see my family. Let's listen in to me on the hot seat. I was recently a guest on Kevin bups long running real estate investing show. You're going to get to see how I present information and GRE principles for the first time to a different audience. And as I do, you're going to hear me provide new material, but you'll also hear me say quite a few things that I have told you before, even then, the concepts might land differently when I'm explaining them to a new audience. The show is based in Florida, so We'll also touch on the real estate pain and opportunity there. After I'm interviewed, I'm going to come back and tell you about something fascinating. I'm going to compare the returns from six major asset classes over the past century, since 1930 anyway, and that's going to include the first time on the show where I'll tell you real estate's annual appreciation rate over the last entire century. Just about what do you think it is? 8% 5% 3% you're gonna have, perhaps the best answer you've ever had. Here we go.   Kevin Bupp  8:31   Now, guys, I want to welcome back a guest that we've had on. It's been a number of years now. Keith Weinhold, I went back to look at the last episode we had him on. I think it's been about four years. So, you know, four years ago, the world was in the very different state. It was a very different time. And so, you know, thankfully, we're out of the covid era and on to newer and greater things. So for those that don't know Keith, he's the founder of get rich education. He's the host of the popular get rich education podcast. He's a longtime thought leader in the real estate investing space, and like myself. Keith was also born and raised in Pennsylvania. For those that know don't know, I was born and raised in Harrisburg, Pennsylvania, Keith, I believe, a couple hours away from where I was. But Keith has very much a unique perspective on wealth, building debt, and really the housing market as a whole. And today, you know, we'll be diving into everything you know, from why the property itself? This is something that Keith kind of coins, why the property itself is less important than you think, to how the housing crash has already happened in a way that most people don't even realize, to the role inflation and debt play in building long term wealth. And so again, it's been a number of years here, so I'm excited to welcome Keith back here. So my friend, Keith, welcome to the show. It's it's a pleasure to have you back here again, my friend.   Keith Weinhold  9:43   Oh, Kevin, it's good to be here and be in the auspices of another fellow native Pennsylvanian as well.   Kevin Bupp  9:49   That's right, that's right, yeah, no, Pa is rocking and rolling as I think I told you this little, this little tidbit last time everyone, every time I speak with someone from Pennsylvania, they never know this. But I'm going to share this fun fact. Are you already know, Keith. I'm gonna share it with the rest of the listeners here today, Pennsylvania, those that are born and raised there. It's the only state where, if you're from Pennsylvania, you refer to it by its initials, and you assume that everyone else, everywhere else across the country, they know what you're talking about when you say I'm from PA and that's the only state that does that. So I think it's pretty neat.   Keith Weinhold  10:19   That's right. No one else does that. No one else says, I'm from TN, if they're from Memphis, right?   Kevin Bupp  10:24   They don't, they don't. So with that, my friend. So, you know, it's, again, it's been a number of years since we, since we had you last on here, you know, let's start with just, let's back up a little bit. You know, what have you been up to? I mean, what, what have the last few years look like for you? Where have you been spending your time, energy and efforts? Obviously, it's, you know, we've gone through some quite a bit of turmoil over the last five years, and would love to just get an update as to what's going on your life.    Speaker 2  10:48   Well, one of the big words in real estate investing, we all know it, even the person that cuts your hair and cleans your teeth knows it, and that's affordability. You know, really, affordability has been under fire, under pressure. By a lot of measures, we have the worst affordability for home buying since the early 80s, when the Jeffersons was on television. So it's been helping a lot of people deal with that. It's really the effect of three things, general inflation, higher home prices and higher mortgage rates. Really, those three things the crux of the problem. It's not exactly inflation, really. It's the fact that over the long term, wages don't keep up with inflation. And really that's the crux of the affordability problem. So I've been helping people deal with that and put that in perspective, really, Kevin,   Kevin Bupp  11:42   what does that mean for, you know, investment, real estate? I mean, are you still still doing deals? Are you seeing deals still get done by your students? I mean, what? What's your world look like?   Keith Weinhold  11:52    Yeah. I mean, I think you're asking, you know, how many deals are taking place? One way to measure that on a national basis is existing home sales. You know, existing home sales have been down substantially. And when a lot of people hear that, they think, prices, oh no, we're not talking about prices. We're talking about existing home sales. That means sales volume. That means the amount of overall transactions. So to give an idea of a real estate market, a residential one that's become pretty lethargic and not very vibrant, is that sales volume. It had its recent peak of about 6 million home sales back in 2021 I mean, 2021 was crazy, kind of the crux of the pandemic, you know, Kevin, that's when for an open house. You saw cars wrapped around the block for just one open house. Okay, well, that year 2021 there were 6 million existing home sales. Today, we're on pace to do about 4 million, and we also did only about 4 million last year. So if you put that in perspective and think about what that means, prices have stayed stable, but that's a 33% reduction in transactions. So investors, you know, people like you and I, Kevin, we're not as affected by this as some other industries. But think about the mortgage loan industry. If you're doing 33% fewer transactions, think about the hard decisions companies have to make and lay people off. 33% fewer transactions for title companies. It's probably close to 33% fewer transactions for furniture companies as well. So really it's both affordability that's been a problem, and that's led to this relative lethargy, kind of a slow, not very interesting residential real estate market, at least from the transaction perspective, really, really slow.   Kevin Bupp  13:58   But Could, could one not argue, I don't know the data points. Keith, I guess, what did it look like? 2021? Was kind of the peak. I think you'd reference 6 million units a year. Transactionally, what did it look like prior? What, what was, what was a more normal year like? And maybe 2020, wasn't a normal year either, right? Because a lot of folks thought the role was ending for a period of time. You know, 2019 maybe just again, trying to, trying to find maybe a better baseline to use. And then, you know, does, I guess, in my mind, and I don't follow these data points as much as you do, is that maybe 2021, was, you know, somewhat artificial inflation, right? Lots of lots of money pumping into the marketplace. And ultimately, we had to get back to a sense of normalcy at some point in time. And so are we at a at a place of normalcy? Are we still behind the eight ball a little bit?   Keith Weinhold  14:44   We're still behind the eight ball a little bit. 5 million is more of a normal long term number. But yeah, I mean, if we've got 4 million now, that's, you know, 25% less still than 5 million, sort of this long term normalcy rate of existing. Home transactions. And if you're a careful listener, you notice I've been using the word existing that doesn't include new build. So you know, when you the listener out there reading headlines, always look at that closely. We talking about existing? Are we talking about new build? You can learn a lot from that when you introduce new build data that introduces an awful lot of noise. For example, even when we look at prices, sometimes we want to exclude new construction. So why is that? Why do we want to focus on existing a lot? Well, because new build can introduce a lot of aberrations to the market. For example, the size of new build properties has dropped substantially the past few years, again, coming back to the central theme of affordability to help make a home more affordable. So we're not looking at same same when the square footage of a property drops a lot. And also, another thing that's been happening as a response to the lack of affordability is you have more builders building further and further out from a central business district where there are lower land costs for that new build property as well to help meet affordability. So the takeaway is, yeah, we want to be careful when we look at numbers. Are we looking at existing? Are we looking at new? Are we looking at overall properties.   Kevin Bupp  16:22   If you believe that if rates come down, we really is that the is that the lever that has to be pulled in order for that transactional volume to kick back up and, you know, make homes more affordable for the average home buyer,   Keith Weinhold  16:34   yeah, it's certainly going to help. I mean, really lower rates is the most likely significant lever that can help with the affordability crisis. Prices are pretty firm. Home prices are up 2% year over year. It's difficult for home prices to fall. In fact, home prices have only fallen one time substantially since World War Two. A lot of people don't realize that. So home prices are firm. I expect them to stay firm. And then the other lever is if we get a huge surge in wage increases, which I really don't expect anytime soon, unless we have another really big bout of inflation. So to your point, yes, lower mortgage rates like, that's the biggest lever that can help affordability return. And to speak to mortgage rates, Kevin and help put all of this into perspective, including this affordability component, is the fact that today, mortgage rates are low, and that gives a lot of people pause. They're like, What are you talking about? Mortgage rates were 3% even as low as two point some percent, just as recently as 2021 and early 2022 What are you talking about? Like, mortgage rates are 2x to 3x that today we look at a long term perspective when we look at the arc of mortgage rates, instead of in setting up expectations where we think rates could go. And we need to look at a frame of reference. Mortgage rates peaked over 18% in 1981 that's if you had a good credit score and everything on a 30 year fixed rate mortgage. That's what we're talking about here. In fact, Freddie Mac, they're the ones that have the best, most reliable stat set for mortgage rates, and that goes back to 1971 the average mortgage rate since 1971 all the way up to today, through all these presidential administrations you know, Nixon and in the Reagan years, and Clinton and the bushes and Obama, everything You know up to today, from 1971 until today, the average 30 year fixed rate mortgage is 7.7% so that's why I talk about how mortgage rates are, you know, moderate to a little low today. That takes a lot of people back. I don't see any impetus. It's going to get us back to, say, 3% mortgage rates. So some real perspective here.   Kevin Bupp  19:06   Yeah, yeah, no. And, you know, the interesting thing again, you might have data points on this to see, is a lot of the lack, do you feel that a lot of the lack of transactional volume is also related to those folks that have locked in, you know, 3% you know, mortgages, right? Like they're they, why would they sell and ultimately trade into a, maybe a, you know, a, you know, upgrade of a home, but ultimately be paying significantly more than that of what they're paying at the present time, you know, double the cost of capital. Your rates today, 30 year, rates are where the six and a half, 7% range, I don't follow it, but yeah.   Keith Weinhold  19:42   I mean, as of today, 6.3% is is where they're at. But yeah, you have a lot of those homeowners locked in to low rates. I mean, first, if we just pull back and look at the overall homeowner landscape, four in 10 have a paid off property. So just to talk to those about the other. Or 60% that percentage that are mortgage borrowers, among borrowers, 70% still have a mortgage rate under 5% meaning it starts with a four or less. So yeah, you're bringing up astutely Kevin the lock. In effect, people are reluctant to sell and give up that rate to trade it for a higher rate. And here's what's interesting, a lot of people if they couldn't make the payments on their home and say they lost their home, something that actually happened a lot in 2008 when people were locked into in sustainable mortgages because they didn't have good credit and they didn't have good income, the borrower is in good shape today. But even if, for some reason, they couldn't make the payments on their home, and they lost their home and they had to rent. Rents are actually higher in many cases, than what that mortgage principal and interest payment is. Maybe even the mortgage principal interest, taxes and insurance that they pay today are lower than what comparable rent would be, and this helps stabilize the housing market, people are really motivated to make their payments, and they can easily do it when it is so low, speaking to that lock in effect, and we're bringing up another reason now why transaction volume is so low, that lock in effect. So homeowners are in good shape. Their payments are sustainable. They don't want to sell, and they're just staying put. They're staying in place   Kevin Bupp  19:42   tying that all back around. Keith, what does that mean for us real estate investors? I mean, is there still good value out in the marketplace? I mean, is the rent to value ratio still, you know, Is there good opportunity to be had, as far as ROI for an investor that wants to buy into a residential investment or a multifamily investment, or anything related to that of residential housing?   Keith Weinhold  19:42   Well, the deals in the one to four unit space, single family homes up the four Plex buildings, yeah, just are not as good as they used to be. The ratio of rent income to purchase price is lower than it was five years ago. And that's so simple, but that's just really the simplest formula for profitability for a real estate investor, you don't have to look at cap rate or or NOI in the one to four unit space. Let's just look at that ratio of rent income to purchase price. 20 years ago, it was easy to find a full 1% meaning, on a 200k property, you could get $2,000 worth of rent income. That's that 1% ratio. But now oftentimes you've got to find something that's more like seven tenths of 1% that would be a $1,400 rent on a 200k property. So that simple formula, and I love that, the rent income divided by the purchase price when I'm looking at properties, when I'm scrolling or scanning like that's a calculation you can do in your head. It's only if I would see a ratio that appears really good, oh, that I would like drill down and look at that property more closely. So of course, when you have something that is that simple, though, rent income divided by purchase price, there's a lot of things that doesn't tell you. You know, what kind of mortgage interest rate can you get? What kind of property tax Do you pay in that jurisdiction? But really, I love the simplicity. That's it, rent divided by price, but it has been under attack. Now today, I still don't know where you're going to get a better risk adjusted return than you do with a carefully bought income property with a loan. I've always liked fixed interest rate debt the best risk adjusted return anywhere. I really don't know of a better one than with buying real estate, because real estate investors have so many profit centers, five simultaneous profit centers, which few people understand. Yeah.   Kevin Bupp  19:42   So using that, I want to, I want to unpack the the 1% rule a little bit for those that aren't familiar with it. And again, there's a lot of variables there, as you had mentioned, you know, mortgage rate, taxes, insurance and that respective market that you that you're buying in, and so what? What are you really trying to back into when applying that rule? Is there? Is there? Is there a true cash on cash return that you're hoping to achieve, again, assuming all these other variables that we just don't know, what they are at this point, you know? Is there a target range of actual ROI that you're actually looking to achieve when applying that 1% rule?   Keith Weinhold  19:42   No, I'm just looking for any positive cash flow. You know, to your point, yeah, there's nothing like the cash on cash return needs to be at least three and a half percent or something like that. But, yeah, I still like buying a property that's that's greater than a break even. Inflation is probably going to increase your cash flow over time, even if you bought a property that that broke even or just had a trickle of cash flow or a $100 cash flow today, a lot of people don't understand that fact that right there you can't count on it, you shouldn't count on. Getting rent increases. But we all know it generally happens over time at a rate of about 3% a year, but it actually increases your cash flow. If you increase your rent 5% your cash flow can often increase something like 12% why is that? How could that happen? That's because, you know, it's key for the person that was listening closely, you get fixed interest rate debt, so your rent income goes up, your expenses increase, except for that mortgage principal and interest. Inflation can touch it. It's kind of like a mosquito buzzing against a window and always trying to get in. And inflation can't touch that in a way. It's sort of like debt that's an asset in some unusual way, or some play on words, getting that debt so So yes, you can't count on rent increases over time. We know what typically happens, and that's really part of the compelling value proposition of buying income property with a loan. You're sort of leveraging inflation. You're really on the right side of it.   Kevin Bupp  20:08   Are there any particular markets that you feel are ripe for opportunity today where you're spending your focus and energies in?   Keith Weinhold  20:08   Yeah, it's still in high cash flowing markets like Memphis, okay, little rock and a good part of the Midwest and the Midwest still has home prices appreciating faster than the national average as well. So those are some of the areas that I like. Those jurisdictions also tend to have laws, as your listeners might know this already, Kevin, they tend to have laws that benefit the landlord more so than the tenant, where you can get a prompt eviction, but those are still the areas where you do get that high ratio of rent income to purchase price on a single family rental home, you might still find eight tenths of 1% meaning $800 worth of rent for every 100k of property purchase in places exactly like that.   Kevin Bupp  20:08   I was hoping that you tell me 1% rule would is applicable.   Keith Weinhold  20:08   It's pretty rare. You know, if you do see, if you do see a property that has a full 1% rent to purchase price ratio, it could be in a sketchy area, you need to make sure that you can actually get the rent in like you would get a respectful rent paying tenant in there. That's something that we would have to look at more closely.   Kevin Bupp  20:08   Have you explored building new product? Is there an opportunity there getting at a lower basis by building ground up?   Keith Weinhold  19:42   You asked such a smart question. This is actually the first time ever, as long as I've been an active real estate investor, Kevin for more than 20 years where new build purchases for income property make more sense than existing purchases. Why is that? It's because builders know that investors and borrowers are struggling to buy and afford property and make the numbers work. Like you're talking about, that builders are incentivized to buy down your rate. For you, to buy down your mortgage rate, we deal with a lot of providers that buy down your mortgage rate to 5% or less for you, and this is a fixed, long term loan in order to help get the numbers to work. You know, especially where you might see a new build property where the rent to purchase price ratio is less than seven tenths of 1% and it's just like, ah, the numbers wouldn't work paying a higher mortgage rate, but some are willing to buy them down to as little as four and a half. However, if you're looking into buying a new build income producing property, you do want to look at that closely. Who is paying for the discount points to buy down the rate. Is it the builder, or is it you? Because some builders just suggest, hey, you can buy down. You can have your rate bought down. But yeah, the next question is, yeah, okay, who is actually doing the buy down? Yeah.   Keith Weinhold  19:43   I mean, just getting tacked on. I mean, in that instance, I'm assuming that a lot of it's just getting tacked on to the to the back end of the purchase price, or it's being baked into closing costs somewhere somebody is paying for it. More than likely the borrower is paying for it. Paying for it. Is that? Is that? Again, I'm assuming we probably have that here in Florida. Again, I don't really follow the residential market too much, but there's, as you had mentioned, like, kind of on the the outskirts of Tampa, the tertiary, necessary, tertiary, probably more secondary areas. That's where a lot of the builds are happening. Lots of these, you know, planned subdivisions. You know, hundreds and 1000s of homes being put up. And in my understanding, through the grapevine, is I hear that they're, you know, sales volumes is incredibly slow, and a lot of these builders are now offering some creative loan products, again, to what you've just stated there, to attract, not necessarily even just homeowners, but also investors, to come in and buy their product from them. Is, is there a real opportunity there, though? I mean, have you seen investors be able to benefit from buying brand new product at a fair price, with economics at work keeping as a rental?   Keith Weinhold  29:53   I have and Florida has some builders that are almost desperate. I'm a long time investor. Know personally, directly in Florida, income property, Southwest Florida, places like Cape Coral, they have been ground zero for real estate depreciation, a contraction in real estate values year over year of 10% or more in some southwest Florida markets. So like the post pandemic, migration boom is certainly over in Florida. And you know, Kevin, as little as 10 years ago, people used to talk about buy in Florida. It's cheap, it's sunny, cheap and cheerful, like you would sort of hear that sort of thing about Florida real estate. That is no longer true. Florida just is not as cheap as it used to be. It's the same or higher than the national median home price now in Florida. So yes, some builders are rather desperate. The other benefit of buying new build, especially in a place like Florida, where a lot of new building has taken place and the supply actually exceeds the demand here in the short period. You can take advantage of that, not only by getting the rate buy down, but because homeowners insurance premiums are substantially less on new build property, because they're built to today's wind mitigation and other standards than they are existing property. I have a friend that just bought a new Florida duplex through us in Ocala, Florida. That's sort of a central, North Central Florida, on that new build duplex that he paid 400k for. I saw the actual insurance premium, the the rate sheet, $694.06 $694 694 so the benefit of buying new build is you get a lower insurance premium. You get these rate buy down. Sometimes what your builder will buy for you make for you rather and of course, you're probably going to have low maintenance costs for a long time, since it's a new build property, and you get a tenant that is probably going to stay longer than the average duration. They're the first person to ever live there. It's difficult for the tenant to improve their housing situation when they have a new build income property, unless they would go out and buy, and it's a very difficult time to go out and buy. So through that lack of affordability, really, the advantage for a real estate investor is tenants are staying put longer. The average tenancy duration is up because they can't run out and be a first time homebuyer.    Keith Weinhold  32:32   You know, most people think they're playing it safe with their liquid money, but they're actually losing savings accounts and bonds don't keep up when true inflation eats six or 7% of your wealth. Every single year, I invest my liquidity with FFI freedom family investments in their flagship program. Why fixed 10 to 12% returns have been predictable and paid quarterly. There's real world security backed by needs based real estate like affordable housing, Senior Living and health care. Ask about the freedom flagship program when you speak to a freedom coach there, and that's just one part of their family of products, they've got workshops, webinars and seminars designed to educate you before you invest. Start with as little as 25k and finally, get your money working as hard as you do. Get started at Freedom, family investments.com/gre, or send a text. Now it's 1-937-795-8989, yep. Text their freedom coach directly. Again. 1937795898, 77958989   Keith Weinhold  33:44   the same place where I get my own mortgage loans is where you can get yours. Ridge lending group and MLS, 42056, they provided our listeners with more loans than anyone because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage. Start your prequel and even chat with President chailey Ridge personally while it's on your mind, start at Ridge lending group.com that's Ridge lending group.com   Todd Drowlette  34:17   this is the star of the A and E show the real estate commission. Todd Rowlett, listen to get rich education with my friend Keith Weinhold, and don't quit your Daydream.   Kevin Bupp  34:38   That even trickles down to the to the space that we're in. We're in the mobile home park space. And while we don't have a lot of rentals inside of our portfolio, most of our residents own their home and they rent the land, but throughout our portfolio, we have roughly 400 units that we own that we have as standardized rentals, and we've noticed that trend as well. Historically. 10 years ago, you. Yeah, we track actually about, I can take it back about eight years, where we actually have data to support this. This claim is that our average renter would stay about 16 months. That was fairly standard. Whereas today it's over, it's nearly three years. At this point in time, the majority are staying nearly three in there's probably, there's some variables in there. You know, eight years ago, we weren't bringing a lot of new product into our communities, whereas a lot of the mobile home parks that we purchased today do have a lot of newer mobile homes in them. So again, to your point, it's, it's a it's a newer home. It's fresh. There might not be the first person that lived there, maybe they're only the second, right? But it's still a very new home. It's only a couple years old. All the appliances are new. It's fresh, you know, it's well insulated, and it's just a high quality product, but, but it's nearly double of what we used to experience and what we used to underwrite. It's, you know, which is, which is interesting. You know, I am, I want to, I want to circle back, you'd mentioned Cape Coral. I've got quite a bit, quite a bit of experience with Cape Coral. This is not the first time that Cape Coral and Port Charlotte in those areas have crashed. I mean, like, they've got quite an interesting history in time, back during the GFC, that area down there took probably one of the biggest hits in most of Florida, while, you know, the rest of Florida got, you know, pounded pretty hard with home values and decreasing home values decreasing rents, Port Charlotte, Cape, coral, in those areas as well. It's just It looks very different down there today. As far as you know, the job basis. I mean, there's a little bit more of a, you know, you know, an economy than what existed maybe 1015, years ago. But I don't know if you know the story of Port Charlotte. Is it some interesting history that you can if you want to spend some time, go on YouTube. There's some documentaries out there about, basically when that area was created. There's a two brothers that, essentially, you know, sold, subdivided and sold swampland and sold the dream to the northeast centers to come down and buy, you know, parcels of land down in Cape Coral, port, Charlotte and in that general area. And it took a lot of time for it develop over the years, but it's a beautiful area down there. But again, I think what happened to your point? A lot of folks during the covid era were wanting to come to Florida. We were fairly free down here. The sun was shining, you know, the Gulf of Mexico was warm, and that was a good value for a lot of folks. You know, the values were driving up there. Was home inventory down there. You got a good bang for your buck back at that point in time. But again, there's not, there's not as much as many amenities and supportive economy there. And then to me, there, like you might find in the Tampa area, or you might find Orlando, or even Ocala cow is a phenomenal market right now. And yeah, oh, Cal is, for those that don't you know you mentioned, you referenced the insurance there, which is, that's a great, that's a great price for that, that policy, you know, 700 bucks, basically, that is inland. For those that don't know the geography here in Florida, that is inland. So you are fairly protected from storms, you know, hurricanes and things of that nature, which crush us here on the on the Gulf Coast. But in any event, I just thought I'd share that there's some good, pretty cool documentaries out there in Port Charlotte, in the whole area down there, but a beautiful part of the country. But just Yeah, it's, it's suffering right now. There's, I think there's, I was looking the other day on Zillow. I just play around and check and see what waterfront home prices are going for. And down there, you can basically get a you can get a canal front home going out to the Gulf of Mexico for about $500,000 which was probably closer to 800,000 during, you know, the the boom era of 2021 2022 So historically, we used to buy properties down there. This is back in 2000 and 345, before the the GFC, we could buy those same properties for 150 and $200,000 waterfront home, waterfront homes, deep water canals going out to the Gulf of Mexico. But when it crashed, some of those homes were selling for $120,000 $100,000 so it's interesting to see how things have come kind of full circle multiple times, not just down there, but in all of Florida as well. Florida is always boom and bust. You know, I think they say that with you know, you could probably speak to that most of these coastal towns, whether it be in Florida, whether it be up the eastern seaboard, the coastal markets are definitely more of a roller coaster ride than the Midwestern markets, where you invest in would you? Would you agree with that?   Keith Weinhold  39:09   Yeah, I would. And yeah, you talk about Florida being a boom and bust, and what you said is certainly true in the shorter term. Back in the global financial crisis, we saw more price blood letting in Florida than we did in other states as well. But over the long term, the long arc, I'm bullish on Florida because of just the obvious constant in migration story. In fact, if you go back to decennial censuses, all the way back to the early 1800s every single decennial census, every 10 years, the population of Florida has rose, and it rises faster than the national average, almost all of those 10 year periods. So yeah, over the long term, I certainly like Florida, but Yeah, you sure can, you know, nitpick over the. Short term, but as little as five years from now. If you bought today, as little as five years from now, I could see someone saying, like, yeah, I bought back five years ago, because we're actually in a in a short term, overbuilt condition, and builders bought down my rate. For me, this could look savvy and this could look wise. So if you're looking for opportunity, new building Florida is definitely something to look into.   Kevin Bupp  40:22    I agree. No, absolutely. Like, the long term, you know, opportunity here in Florida, it's there, you know, it's interesting. We've got the we get these hurricanes every year. Last year was a pretty impactful year, at least here on the on the Gulf side, and the neighborhood I lived in, we got flooded. Luckily, our homes in newer builds built up. But, you know, 70% of the neighbor I lived in had 444, or five feet of seawater. And as did the, you know, the long stretch of the Gulf Coast here, and it was the first time this area has ever this immediate air right where we live, has ever had a it wasn't even a direct hit. It just happened to be a massive storm surge. But it was, you know, catastrophic as far as the damage that it did. And a lot of folks that we knew in our neighborhood here. Have lived here for 1020, 3040, or 50 years, and they had never had any floodwater whatsoever. And and there was two camps where they fell in either one camp where they didn't, they whether they had the money to rebuild or not, didn't matter. Like, mentally, they were never going to end up. They were never going to deal with that again. They were moving away, like they just didn't want to go through the heartache of that again. In the second camp, we're basically, I knew it was going to happen at some point in time. This is the kind of price to live, to pay, a live in paradise and and what ultimately occurred is, you know, you saw homes going up for sale, and in the initial chatter for those that that were impacted, is that, who's going to buy that? You know? You know, they're not going to get hardly anything for it. You know, it's just like, who's going to want to live here now that has been flooded. I said, Just wait. I'll say people have us as human beings, have short term memories. We do and and I can promise you, within a few months, those homes will be gobbled up, some will be knocked down, some will be rebuilt, but inevitably, the prices will come back incredibly strong, and you'll see very limited inventory, at least in desirable markets that are here on the water. And that's exactly that happened. Within six month period of time, prices are back up. You can't get your hands on a flooded property now, or one that had been flooded, right?   Keith Weinhold  42:12   I can believe it. And this is not the way that you want to have a waterfront property when the water inundates you and comes to you, that is not the way to buy waterfront property.   Kevin Bupp  42:23   Yeah, interesting, but, uh, no, Keith has been a fun conversation, my friend. So let's, let's talk about, you know, I like to you'll peek inside your brain if you were going to start all over again, from scratch, you know, you've been at this now, what? How long? Almost two decades. It's been, been quite   Keith Weinhold  42:38   Yes, yes, more than two decades. Is that what you're asking, how would I start, starting from today?   Kevin Bupp  42:47   Yeah, like, what would you do? Where would you focus, what asset type and any particular strategy outside of what you're doing today? You know, where would you focus your time?   Keith Weinhold  42:55   Actually, it is quite a coincidence. The way that I would start all over again in real estate is the way that I did start in real estate. It worked out phenomenally, in a way it makes sense, because if it hadn't worked out phenomenally, you never would have heard of me, and I wouldn't have become this real estate thought leader or whatever, because this is a way, an everyday person with virtually no real estate knowledge and very little money. Can start out, what I did is I made the first ever home of any kind, a four Plex building where I lived in one unit and rented out the other three. This is something very actionable for your for your audience as well, Kevin. Or if maybe you're a listener that has a an adult daughter or son and they want to get started in real estate with a bang without much money, is to buy a four Plex, just like I did. You can use an FHA loan, a three and a half percent down payment. You have to live in one of the units at least 12 months, and at last check, your minimum credit score only needs to be 580 now you will get a lower interest rate if you have a higher credit score. But those are the only three criteria you need. I mean, what a country talk about? The American Dream. You can use that FHA program with a single family home, duplex, triplex or fourplex, that's the formula. That's how I began. Actually ended up living there a little more than three years. But what that did for me was remarkable, and in fact, you know what it taught me? Kevin and every listener can benefit from this. It's paradoxical. A lot of times I say things that you would not expect to hear that make you go, wait what? Whoa, how can that be? Is what it taught me is that I don't want to focus on getting my money to work for me. You probably wouldn't expect to hear that. It's actually a middle class paradigm to say, well, I don't want to work for money. I also want to get my money to work for me. I'm telling. You that that's going to keep you middle class, or worse, that's going to keep you working until old age, and you won't have an outsized life and retirement and options. If you think that the best and highest use of your dollar is getting your money to work for you, it's not what's the paradigm shift if this four Plex building taught me the way I started out, which is still the way that I would start out today, and you probably heard this before, but I'm going to put a new twist on it. Is you want to ethically get other people's money to work for you, and we can be ethical. We can do good in the world. Provide housing that's clean, safe, affordable and functional. Never get called a slumlord that way. You can employ other people's money three ways at the same time, ethically by buying an income property with a loan, like we've been talking about in Florida, or with this fourplex building. How do you do it three ways at the same time, using the bank's money for the loan and leverage, which greatly amplifies your return beyond anything Compound Interest can do. The second of three ways you're ethically employing other people's money is you're using the tenants money to pay for the mortgage and some of the operating expenses on this fourplex. And then the third way you're simultaneously using other people's money is using the government's money for generous tax incentives at scale. So the lesson is that the best and highest use of your dollar is not getting just your money to work for you, it's other people's money, in this case, the banks, the tenants and the governments. That's what you can do. I mean, what an opportunity. A lot of people just don't even know about that FHA program.    Kevin Bupp  46:41   Yeah, I actually, I wasn't, I wasn't aware that it was that low of a down payment key. That's no idea. Three and a half percent, you said, a 550 credit score, believe me, 580 minimum credit.   Keith Weinhold  46:51   And you have to, thirdly, you have to owner occupy a unit for at least 12 months. And hey, I'm not saying it's always easy. You know, you got to think about that. Your neighbors are also your tenants. And I don't know how to fix stuff. I still don't. I'm a terrible handyman, but it's good to learn a little about about human relations. And you know, letting finding a general way to let the tenants know that you have a mortgage to pay every month. I mean, just that alone can can help them ensure timely rent payments. But, and this also doesn't mean every area, or every four Plex building is is good, but, yeah, that's the opportunity. That's how I started. I would totally do it again.   Kevin Bupp  47:27   Can you use that FHA program more than once? Or is that just the one time you know your first, first, first primary home purchase?   Keith Weinhold  47:34   It's generally you can only use one at a time. There are some exceptions, like if you and your job move, like, a certain mile radius away from where you got the first one, but, yeah, generally it's only going to be one at a time. A lot of people don't use it. Don't know about it. In fact, if you have VA benefits, Veterans Administration benefits, you can get a similar program, like I was talking about, but zero down payment, rather than three and a half with an FHA loan. It's a really good, amazingly good opportunity.    Kevin Bupp  48:05   That's incredible. That's incredible. Keith, my friend, I appreciate you coming back going. It's always good to catch up with you. Good to see that you're doing well.   Keith Weinhold  48:17   Oh yeah, a terrific chat there with Kevin. I hope that you like that really. At our core, real estate investors are not day trading. We are decade trading. Now I'm in western New York today, at the other end of the state, NYU compiled some terrific statistics that you want to hear about for nearly the past 100 years. It is the annualized returns of six major asset classes. This spans, the Great Depression, a number of recessions, World War Two, the New Deal, gold standard, abandonment, brendawoods, the Cold War, Civil Rights Movements, oil shocks, Volcker rate hikes, the.com boom and crash, the 911, attacks, the housing bubble, covid, 19, AI revolution and 16 presidencies, all those ups and downs and war and peace and economic booms and economic lows, and now there is going to be a mild tongue in cheek element here, because stats like this drive real estate investors crazy, but this is often how mainstream media portrays asset class comparisons. All right, the six asset classes are stocks, cash, bonds, real estate, gold, and then inflation, which isn't in an asset class, but it's a benchmark. All of these begin from the year 1930 so spanning almost 100 years. Let's take it from the lowest return to the high. Best return the lowest is inflation. And what do you think the CPI inflation rate is averaged over the last 100 years? Any guess at all? You might be surprised. It is 3.2% Yeah, even though the Fed's CPI inflation target has long been 2% it runs hot longer than most people believe. So therefore, today's inflation rate isn't high, it's just normal. The next highest return is cash at 3.3% How did NYU measure that the yield from three months T bills? Next up is bonds. They returned 4.3% that's the 10 year treasury average of the last 100 years. The next highest is real estate at 4.7% that uses the K Shiller Index. Now we're up to the second highest. It is gold at 5.6% and the highest is stocks at 10.3% using the s, p5, 100, and this was all laid out in a brilliant chart that also shows the returns by each decade for all of these asset classes. You'll remember that I shared the chart with you in our newsletter a few weeks ago. Now you are smarter and more informed than the layperson is, you know, but they see this chart and they think, Oh, well, that's it. I've got my answer. Real Estate's 4.7% appreciation loses out to gold's 5.6 and stocks 10.3 and then they go back to watching Love is blind. But of course, rental property owners like us know that we often make five times or more than this 4.7% when we consider all those other income streams and profit centers, leverage, rents, ROA and inflation, profiting on our debt, it's often 25 to 30% total. It's sort of like judging a Ferrari by only measuring its cupholders or something. Now, would stocks 10.3% get adjusted up as well? Yeah, probably a little, because the s and p5 100 currently averages a 1.2% dividend yield, so that might be added on the 4.7% return for real estate. That cites the popular Case Shiller Index. And the way that that index works is that it uses a repeat sales methodology. So what that means is that the Case Shiller measures the sales price of the same property over time. Therefore a property would have to sell at least twice in order to be measured by this popular and widely cited K Shiller Index. So then the 4.7% appreciation figure excludes new build homes, and new builds appreciate more than existing homes, but you do have more existing homes that sell the new build homes, so we can pretty safely assume that real estate's long term appreciation rate is higher, likely between five and 6% there it is. So yeah, making comparisons across asset classes like this is pretty tricky, because investment properties leverage and cash flow gets nullified. And when you make comparisons like this, it's a big reminder that even if you can't get much cash flow off a 20 or 25% down real estate payment, sheesh, most people put a 100% payment into stocks, gold or Bitcoin, and they don't expect any cash flow. And Bitcoin isn't part of what we're looking at for this century long view, because it did not exist until 2009 and also NYU had to use some alternative statistics. Sometimes the s, p5, 100 index only came into being in 1957 and the Case Shiller Index 1987    Keith Weinhold  54:02   next week here on the show, I expect to answer your listener questions from beginner to advanced. You've been writing in with some good ones for the production team here at GRE. That's our sound engineer, Vedran Jampa, who has edited every single GRE podcast episode since 2014 QC in show notes, Brenda Almendariz, video lead, brendawali strategy talamagal, video editor, seroza, KC and producer me, we'll run it back next week for you. I'm your host. Keith Weinhold, don't quit your Daydream.   Speaker 3  54:36   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.   Speaker 2  55:04   The preceding program was brought to you by your home for wealth building, get richeducation.com  

Join Lauren as she shares her detailed three-day itinerary exploring Acadia National Park and Bar Harbor, Maine, plus favorite stops along the coast from Boston to Kennebunkport. From biking Acadia's carriage trails and hiking Jordon Pond to finding the best lobster rolls and blueberry ice cream, this episode is a full travel guide for anyone planning a trip to coastal Maine.Lauren walks through what she loved most, what she'd do differently, and insider tips for visiting Cadillac Mountain, Jordon Pond House, Sand Beach, and more.Whether you're dreaming up a New England fall road trip or planning next summer's getaway, this itinerary offers the perfect mix of scenic drives, local eats, and relaxing coastal charm.In This Episode:Road-tripping from Boston to Bar HarborExploring Acadia National Park's Park Loop RoadHiking Jordan Pond Trail (and what to expect)Biking the Tri-Lakes Loop on Acadia's carriage trailsVisiting Cadillac Mountain, Sand Beach, and Bar IslandFavorite eats: MDI Ice Cream, Stewman's Lobster Pound, CJ's Blueberry Soft Serve, and Pat's PizzaWhat Lauren would plan differently next timeTips for first-time visitors and best times to goRead the full itinerary on Substack!

In this episode of Masters of Moments, host Jake Wurzak sits down with his colleague and DoveHill's Chief Investment Officer, Charles Paloux, to discuss their firm's recent acquisition of the White Barn Inn in Kennebunkport, Maine. Jake and Charles take listeners behind the scenes of the deal, from the story of how it came together to the strategy behind investing in luxury experiential hotels. They also share how the property's unique history, location, and design make it one of the most compelling additions to the DoveHill portfolio. They discuss: Charles's career journey from France to leading hotel investments in the U.S. The strategy behind DoveHill's Opportunity Fund II and focus on experiential assets Why Kennebunkport and the White Barn Inn represent enduring hospitality value Key elements of the property's success, from its iconic restaurant to the innovative houseboat suites How thoughtful capital improvements and community engagement can enhance both guest experience and investment returns Connect & Invest with Jake: Follow Jake on X: ⁠https://x.com/JWurzak⁠ 1 on 1 coaching with Jake: ⁠https://www.jakewurzak.com/coaching⁠ Learn How to Invest with DoveHill: ⁠https://bit.ly/3yg8Pwo⁠ Topics: (00:00:00) - Intro (00:02:16) - Charles' journey in the hospitality industry (00:14:04) - The White Barn Inn acquisition (00:18:14) - Operational excellence and future plans (00:35:25) - Revenue potential (00:42:43) - Sourcing capital and investor strategy (00:46:47) - Guest room enhancements and CapEx (00:49:40) - Spa and guest experience improvements (00:54:47) - Future investments and market strategy (01:01:22) - Staff happiness and CapEx projects (01:03:31) - Conclusion and contact information

Welcome back to The So Can I Podcast! Today's episode is a full recap of our recent trip to Nantucket — from where we stayed and what we ate to the spots I absolutely recommend visiting if you're planning a trip of your own.We stayed at The Nantucket Hotel, and it could not have been more perfect. I'm walking you through our full itinerary — breakfast at Lemon Press, our 14-mile day exploring the island, the beautiful Bluff Walk in Sconset, and the meals that stood out most (Cru, Bar Yoshi, and the Juice Bar for ice cream, of course).If you've ever wanted to visit Nantucket or you're planning your first trip, this episode is for you!I cover:Where to stay in Nantucket (and why we loved The Nantucket Hotel)Favorite meals: Lemon Press, Cru, Bar Yoshi, and Black Eyed Susan'sExploring on foot — including Brant Point, Steps Beach, and the iconic Bluff WalkUsing public transportation (the Nantucket Wave) to get to 'SconsetWhy September might be the best time to visitWhat I'd do differently next time (e-bikes, anyone?)Next Up:Stay tuned for part two — our road trip up the coast of Maine, from Kennebunkport to Bar Harbor.Subscribe to my Substack for more information & follow along on Insta for pictures!

Camp David, nestled in Maryland’s Catoctin Mountains, spans about 125 acres, making it significantly smaller than other presidential getaways like Lyndon B. Johnson’s sprawling 2,700-acre Texas ranch or the vast 1,000-acre Bush family compound in Kennebunkport, Maine. Compared to grand diplomatic venues like the White House or international summit locations such as Versailles, its compact, rustic layout with a single main lodge and a handful of cabins offers a more intimate, secluded setting for negotiations. This modest size fosters privacy and informality, as seen during the 1978 Camp David Accords, but lacks the expansive facilities of larger estates or formal state venues. If that’s the case, why has it played host to the most important diplomatic summits of the 20th century? Because the hidden retreat is the one place the President, First Family, and invited guests can gather in absolute secrecy for relaxation, rejuvenation, and world-changing decisions. Today’s guest is Charles Ferguson, author of “Presidential Seclusion: The Power of Camp David.” We look at the importance of Camp David on diplomacy and world history. Written by the former Camp David Historian, this personalized tour of the exclusive retreat makes tree-shrouded trails, majestic vistas, and rooms where history happened over the last 80 years.See omnystudio.com/listener for privacy information.

Rob and Caitlin head north to Maine for a getaway in Kennebunkport. Their host for the week is Jake, the owner of Garden Street Bowl. Rob intends to catch stripers, while Caitlin is eager for fresh seafood. This episode features wild tales, including stowaway coyotes, unusual thrift shop discoveries, and seagull on the menu. Rob interviews various individuals he encounters along the way, discusses the pros and cons of food options, enjoys the scenic beach views, and searches for a particular birch beer. He explains how striped bass behave consistently along the east coast, how they follow schools of bait and respond to weather changes, and the best times and places to catch them. This summer in Maine has seen little rainfall, a hurricane from a few years back changed the beach landscape, and the water temperatures are higher than usual. Learn more about your ad choices. Visit megaphone.fm/adchoices

Join hosts Dave Roberts and Ken Pullin for episode 378 of the "Let Me Tell You Why You Wrong Podcast." Just back from his travels, County Commissioner Ken Pullin shares his unique observations and strong opinions on policy, travel, and the latest headlines. Get ready for an unfiltered discussion on legal dramas, political maneuvers, and cultural controversies. Key Topics and Unfiltered Takes:   Ken Pullin's Northeast Expedition: Ken Pullin recounts his "super nice" week in Maine, including renting a house on a lake and venturing to Ogunquit for three or four more days. He highlights the stark political contrast between Republican-leaning Kennebunkport (with its "American flags everywhere" and "Trump signs") and the more Democrat-aligned Ogunquit (where "every restaurant has the gay flag out front"). Ken also praises Boston as a "great town", noting the "pride flag" atop the Old State House, visits to Cheers, and the supposedly oldest restaurant in America, the Red Dragon Tavern. He highly recommends Acadia National Park in Maine for its "incredible" scenery and "perfect" weather, sharing a memorable encounter with a bald eagle snatching a fish while kayaking. Plus, insights into the comfort and amenities of Sky Club access during air travel.   The "Policy Problem" of Traffic Stops: As a county commissioner, Ken Pullin details getting pulled over in Thomas, Georgia, for an expired car registration. He voices a significant "problem" with the policy allowing police cars to automatically scan vehicle tags and initiate stops when a driver is "not doing anything wrong". Ken argues that an expired car tag is a "civil issue" with the county government, not a "criminal issue" for law enforcement, especially when stopped in a different county. He equates this to his strong dislike for checkpoints, which he considers a "complete fourth amendment violation" if there's no probable cause to stop someone. He notes the car was his daughter's car and humorously anticipates the "walk of shame" to pay the late tag. • National Headlines & Candid Opinions: Nice Try Diddy: Discussion of Diddy being found guilty on only two "lowest charges" related to interstate prostitution, while being acquitted of racketeering (RICO) and sex trafficking. The hosts critique the defense's "victim shaming" approach and highlight the striking discrepancy in penalties between a victimless RICO charge (up to life in prison) and sex trafficking (20 years). Bryan Kohberger's Guilty Plea: An analysis of Bryan Kohberger's unexpected decision to plead guilty to all counts to avoid the death penalty, waiving all rights to appeal. "Alligator Alcatraz" / "Gator Jail": Delving into the controversial facility in the Florida Everglades for deported individuals. From a fiscal conservative standpoint, the hosts defend the facility as humane and fiscally responsible, contrasting it with previous practices. They also discuss the strategic "psychological operation" aspect of publicizing such a facility to deter illegal immigration. Geoff Duncan's Democratic Consideration: Analysis of former Republican Lieutenant Governor Geoff Duncan mulling a run for Georgia Governor as a Democrat. The hosts express skepticism about the Democratic party's acceptance of Duncan, suggesting his anti-Trump stance is the primary reason for current consideration. "No Wieners in Girls' Sports" & Lia Thomas: A deep dive into the reversal of medals and championships for men competing in women's sports, specifically referencing transgender swimmer Lia Thomas. The US Department of Education agreement requires stripping Lia Thomas of all her medals, restoring Division I records to female athletes, and sending personalized apology letters to each of those swimmers. The hosts emphasize comments from an affected swimmer asking for an "apology for making us undress in front of him". Massive Meth Seizure: The hosts discuss the seizure of "700 pounds of meth" hidden under cucumbers in Gainesville, Georgia, speculating on its Mexican origin. The "Big Expensive Bill": An in-depth look at the massive legislative bill that passed despite Republican control. Key aspects discussed include funding the border wall, cutting welfare for illegals, imposing work requirements for Medicaid recipients, and a significant increase in the deduction cap for State and Local Taxes (SALT) from $10,000 to $40,000 (a "gift to Democrat states"). The controversial "carve-out" for Senator Lisa Murkowski of Alaska to secure a Senate vote is also examined. Politician Antics: Comments on House Minority Leader Hakeem Jeffries' "silliest" eight-hour speech on the House floor, and Representative Nancy Mace's social media antics, including chronicling her drive to D.C. in her pajamas, leading to a discussion on politicians trying to be "social media influencers".   Other Noteworthy Segments: The tragic Texas flooding and missing children from Camp Mystic, debunking "erroneous information" spread by "influencers" like Beth Jackson, Donald Trump's "$200 fragrance" named "Fight, Fight, Fight", the attempted comeback of the Chi-Chi's Mexican restaurant chain (after a listeria outbreak), and Dave's 18th wedding anniversary.  

Today, we are sharing Chelsea’s recent interview on the Webby Award-winning daily podcast Totally Booked with Zibby. Hosted by Zibby Owens – the powerhouse bookstore owner and bestselling author dubbed "NYC's Most Powerful Book-fluencer" by Vulture – Totally Booked delivers interviews with the best, buzziest, and underrated authors to share work that’s truly worth your time. In this specific episode, you’ll hear all about Chelsea’s recent New York Times bestselling book I’ll Have What She’s Having, in addition to her takes on relationships, independence and solitude, and handling criticism. She also shares unforgettable life moments – from a transformative encounter with Jane Fonda to skiing in Whistler to an unexpected visit to Kennebunkport, where three edibles helped her keep her cool. For more episodes, follow Totally Booked with Zibby on Apple Podcasts, Spotify, or wherever you get podcasts. New episodes are released daily!See omnystudio.com/listener for privacy information.

What happens when a high-powered engineer walks away from corporate life to follow a dream rooted in ancestral wisdom, music, and the magic of nature? Tune in for an inspiring discussion with Jennifer Elwell Comeau on her new books The Inside of ME, and A Moon in All Things. Moments with Marianne airs in the Southern California area on KMET1490AM & 98.1 FM, an ABC Talk News Radio affiliate!  Jennifer Elwell Comeau inspires humans to restore our sacred partnership with the rest of the natural world. A certified Forest Therapy Guide, singer-songwriter, and author-speaker, nature is Jennifer's creative muse. Her Nautilus Gold-winning children's book, “The Inside of ME” is a profound reminder of the magic that happens on the inside when we go outside. Her debut novel, A Moon in All Things, has been called “atmospheric and beguiling” by Kirkus Reviews, and her poems and essays are published in four anthologies. She has produced two albums of original music available on all streaming platforms. She partners with OzGREEN, an award-winning non-profit bringing YOUth LEADing The World programs to Australia, Africa, and India.  She resides in Kennebunkport, Maine, where she holds climate buoyancy and writing workshops, hosts sacred circles, and runs a Wild Wonder Forest Bathing business. www.jennifercomeau.com For more show information visit: www.MariannePestana.com

#124 Heading to New England? Perfect timing, friend! In this episode of The Everyday Bucket List podcast, we highlight some of the best spots to visit in New England, based on our guests' top travel experiences.  We explore some of the best spots in New England that showcase the charm, history, and unique experiences New England has to offer. Guests share personal travel stories and tips, from Stasha Mills-Healy's highlights of Mystic Seaport and scenic train rides in Connecticut to Patrina Dixon's cultural tour in Martha's Vineyard, MA. Joe Saul-Sehy talks about the perks of off-season travel in Kennebunkport, Maine while Dawn Barclay dives into New England's darker history with true crime travel spots.  Whether you're planning a trip or just looking for inspiration, this episode offers fresh, diverse ideas for exploring the region.   CLICK THE LINKS BELOW OR CUT AND PASTE THEM INTO YOUR BROWSER: Shownotes: https://karencordaway.com/best-time-to-visit-new-england/   Binge-listen to my Summer Bucket List Ideas Playlist https://spoti.fi/4dHAaKf Binge-listen to my Travel to New England Playlist https://bit.ly/3GEgETO  Binge-listen to my USA Travel Podcast Episodes https://bit.ly/4fyfh53   Listen to Next: Planning a Martha's Vineyard Vacation: Tips for All Budgets (Ep 123) Places to Visit in Conneticut for Your Next Bucket List Trip (Ep 121) Why a Providence, Rhode Island Visit is Definitely Worth It! (Ep 35) Discover Fun Things to Do in Rhode Island (Ep 54)   RESOURCES: 100 Things to Do in Connecticut Before You Die by Stasha Healy https://amzn.to/3XO0X2a It's My Money Book by Patrina Dixon https://amzn.to/3Yw0F0g Vacations Can Be Murder https://amzn.to/4mmy9se by Dawn Barclay Table for 51 by Shari Leid https://amzn.to/3H0lL0Y Grab a copy of  The Everyday Bucket List Book https://amzn.to/3vwxz2K If you'd like to support my work, check out https://buymeacoffee.com/edbl   Connect with the guests: Patrina Dixon of ItsMyMoney.info Stasha Mills Healy of StashMillsHealy.com Joe Saul-Sehy of Stacking Adventures.com Dawn Barclay of VacationsCanBeMurder.com Shari Leid of AnImperfectlyPerfectLife.com    Connect with me: Website: KarenCordaway.com Twitter (X): @KarenCordaway https://x.com/karencordaway Pinterest: @Everyday_Bucket_List https://www.pinterest.com/EverydayBucketList/ Tiktok: @Everyday_Bucket_List https://www.tiktok.com/@everyday_bucket_list   If you're enjoying this podcast, please rate and review it here. Let me know what you like about it so I know exactly what content to keep creating for you. Disclaimer: Some of the outbound links financially benefit the podcast. Using our links is a small way to support the show at zero cost to you. I only endorse products, programs, and services I use and would recommend to close friends and family. I appreciate your support. https://karencordaway.com/disclaimer/      

Send us a textYour mind is either your greatest asset or your worst enemy – especially in real estate. When Dr. Noah St. John joins Dwan Bent-Twyford on this episode, he pulls back the curtain on what's really holding most real estate investors back from explosive growth.Known as "the Sheldon Cooper of self-help," Dr. St. John breaks down success into two critical components: inner game and outer game. While most experts focus exclusively on strategies and tactics, Noah's work with thousands of entrepreneurs reveals a startling truth – 90% of the $3 billion he's helped clients generate came from fixing their inner game first.Through powerful stories like the real estate investor who tripled her investment in just two weeks before they even discussed business strategies, or the agent who generated $95,000 in commissions in just 12 days (and subsequently moved from Boston to Aruba), Noah demonstrates why what happens between your ears determines your income more than any marketing funnel ever could.The conversation gets deeply personal as Noah shares his journey from growing up poor in wealthy Kennebunkport, Maine, in a house his parents lost to foreclosure, to paying off his dream mansion 27 years early using his own techniques. "Money isn't money," he explains. "Money is options, money is power – not power over others, but the power to choose."If you've ever felt stuck at an income ceiling, overwhelmed by your business, or trapped in the "hustle until you drop" mentality, this episode offers a refreshing alternative. Learn how to make more in 12 weeks than your previous 12 months while actually winning back time in your life. Your breakthrough might be closer than you think.Take the free Inner Game Scorecard at myinnergame.com to discover what's been holding you back and take your first step toward reclaiming both your power and your life. Thanks again for listening. Don't forget to subscribe, share, and leave a FIVE-STAR review.Head to Dwanderful right now to claim your free real estate investing kit. And follow:http://www.Dwanderful.comhttp://www.facebook.com/Dwanderfulhttp://www.Instagram.com/Dwanderful http://www.youtube.com/DwanderfulRealEstateInvestingChannelMake it a Dwanderful Day!

Where to Move After Falling in Love with Maine

Chef Justin Walker is the chef and partner at Walkers Maine. Justin was a D1 racing skier while simultaneously working in restaurants. While is school and still racing, he decided to switch focus over to cooking. He went to culinary school and ended up working at Arrows in Ogunquit, ME for 15 years. He then moved on to Earth at Hidden Pond in Kennebunkport, ME and worked there for 5 years. Later, he and his wife and 4 other partners opened Walkers Maine in Cape Neddick, ME.  Restaurant Unstoppable - EVOLVE! - Eric of Restaurant Unstoppable is now taking consultation and coaching calls! Book a consultation today! Schedule your call to become UNSTOPPABLE! Check out the website for more details: https://www.restaurantunstoppable.com/evolve Today's sponsors: Meez: Are you a chef, owner, operator, or manage recipes in professional kitchens? meez is built just for you. Organize, share, prep, and scale recipes like never before. Plus, engineer your menu in real-time and get accurate food costs. Sign up for free today and get 2 FREE months of invoice processing as a listener of the Restaurant Unstoppable Podcast. Visit getmeez.com/unstoppable to learn more. Restaurant Systems Pro - Join the 60-day Restaurant Systems Pro FREE TRAINING. This is something that has never been done before. This 60-day event is at no cost to you, but it is not for everyone. Fred Langley, CEO of Restaurant Systems Pro, will lead a group of restaurateurs through the Restaurant Systems Pro software and set up the systems for your restaurant. During the 60 days, Fred will walk you through the Restaurant Systems Pro Process and help you crush the following goals: Recipe Costing Cards; Guidance in your books for accounting; Cash controls; Sales Forecasting (With Accuracy); Checklists; Budgeting for the entire year; Scheduling for profit; More butts in seats and more… Click Here to learn more. Contact the guest: Instagram:@walkersmaine Thanks for listening! Rate the podcast, subscribe, and share!  We are on Youtube: @RestaurantUnstoppable

(Intro) Holiday Cocktails (5TYNTK) UnitedHealthcare CEO, Walmart Arrest, Oun Lido, Prelude in Kennebunkport, Gift Donut (Dirty) Eminem's brother addresses mother's death. Blue Jays promote Kendrick concert. Flava Flav kicked out of the BSB dressing room. Pete Davidson reveals SNL salary. GloRilla tops Billboard's list of top female rappers in 2024. (Topic) What is your families holiday tradition? (Outro) Secret Santa

Today I am interviewing a couple from Maine who just took over the campground which has been in their family for years. Workampers play a big role in serving guests at the campground and helping to ensure it runs smoothly. Sarah and Pip Bell are the new owners of Dixon's Campground, which is a small family-owned facility with 125 sites located near Cape Neddick, Maine. It is only 12 miles from the New Hampshire border. Sarah's parents owned the campground for more than 25 years before retiring. So she and Pip just completed their first year at the helm of the business. Workampers play a huge role at the campground because Sarah works full-time as a teacher and Pip works for a local HVAC company. This year, they relied on four sets of Workampers to help serve guests staying at the campground. Typically, Workampers help inside the office by greeting guests and taking reservations. They also guide guests to their sites, maintain the pool and ensure restrooms are super clean. The season starts in early May and continues through early October. There is one catch, the campground sites can only accommodate RVs that are no longer than 36 feet. Workampers generally work between 20 and 25 hours per week. All hours are paid at Maine's minimum wage, which is $14.65 per hour. However, Workampers receive a free RV site with water and electricity. The campground maintains its own honey wagon service, which pumps tanks for guests once a week. However, Workampers can use the wagon to pump out their own tanks more often, if necessary. Other than having some computer skills to manage reservations, there are no special traits or qualifications needed to work at Dixon's Campground. Sarah and Pip like to employ Workampers who have upbeat attitudes and a general willingness to help. It helps if the Workampers have an eye for detail when it comes to cleanliness and landscaping. Typically, the campground starts looking for Workampers in the middle of August and has commitments for the next year wrapped up by mid-September. Because the campground is rather small, Workampers really need to honor their commitments because no-shows and early departures can create a real bind for Sarah and Pip. The campground is right off Hwy. 1, but close enough to ocean activities, like surfing and just enjoying the beach. There is plenty of nightlife in communities like Kennebunkport, Maine, or Portsmouth, N.H., which are less than 25 minutes away. For people who like to hike, the White Mountains of New Hampshire are about two hours away, and Acadia National Park is a four-hour drive. History buffs can head to Boston, which is about 90 minutes away. The entire eastern seaboard is a fascinating place with quaint little villages and many historical sites, especially for events related to the Revolutionary War era. For more information, check out the website at www.dixonscampground.com where people can get a good overview of the campground and it's amenities. The bottom of the page provides contact information for emailing a resume or calling Sarah and Pip. Today's episode was sponsored by Workamper News. Creating a resume can be a cumbersome, intimidating task – especially if you haven't written a resume in many years. The unique Workamper News Resume Builder takes you through a step-by-step process to build a complete resume with all the information Workamper employers are looking for when reviewing applications. Once complete, your resume can be emailed to anyone, and the software tracks when and who you have sent it to.  You can print out the resume or make it into a PDF which can then be uploaded or emailed. Some employers never advertise – not via Workamper.com or anywhere else. They find all of their applicants just by searching the Workamper News resume database.  If you don't have a resume in the Workamper.com database, you will be missing out on some opportunities. To open the door to more Workamping jobs, become a Workamper member today by visiting www.workamper.com. That's all for this week's show. Next time I will be speaking with a Workamping couple about their adventures. Tune in next week for another fun episode of The Workamper Show. Thanks for listening!

Located in the charming coastal town of Kennebunkport, Maine, the Colony Hotel is an idyllic destination for travelers—but it's also a hotspot for the paranormal. In this episode, we explore the haunted history of this 1914 hotel, where guests and staff have reported seeing ghostly figures walking the halls and hearing unexplained footsteps. Could the spirits of long-gone guests still be checking in, or is there something more sinister lurking behind the Colony Hotel's historic charm? We uncover the stories of eerie encounters and strange happenings that continue to intrigue paranormal enthusiasts.

Located in the charming coastal town of Kennebunkport, Maine, the Colony Hotel is an idyllic destination for travelers—but it's also a hotspot for the paranormal. In this episode, we explore the haunted history of this 1914 hotel, where guests and staff have reported seeing ghostly figures walking the halls and hearing unexplained footsteps. Could the spirits of long-gone guests still be checking in, or is there something more sinister lurking behind the Colony Hotel's historic charm? We uncover the stories of eerie encounters and strange happenings that continue to intrigue paranormal enthusiasts.

This week, Teague sits down with Rob Blood, Founder of Lark Hotels, for a candid conversation about the evolving boutique and independent hotel space. Recently awarded seven Michelin Keys within his portfolio, Rob shares how he began as an innkeeper in his mid-20s, what motivated him to purchase his first property in Kennebunkport, and how he transformed a nine-room inn into a profitable business that manages over 30 design-focused properties today.

Send us a textIn this episode we get the President and Secretary of State's views on the events over the past few days in the Soviet Union. In the press conference you will see how the management of this historic event in the Soviet Union is  indictive of how the fall of Communism was managed by these two wise leaders.  Questions or comments at , Randalrgw1@aol.com , https://twitter.com/randal_wallace , and http://www.randalwallace.com/Please Leave us a review at wherever you get your podcastsThanks for listening!!

In The Clubhouse: Alex Myers Award Winning Writer Golf Digest Magazine Ken Raynor Author Call Him Mr. President Life Story shared with President George Bush Head Professional at Arundel Golf Club, Kennebunkport, Maine from 1979-2018 - now retired Ryan Nagata Hawaii State Golf Assoc BlueGolf - Innovative Systems for Golf Bob Bubka The Voice of Golf TalkSport UK Co-Host Musings on Golf

In Episode 19 of The Halloween Podcast, host Lyle Perez takes you on a journey through the rugged beauty and haunting history of Maine. From haunted lighthouses along the rocky coast to eerie inns nestled in the forests, the Pine Tree State is home to countless ghost stories. Join us as we uncover ten of the most haunted locations in Maine, where spirits of the past still linger. Featured Haunted Locations: The Seguin Island Lighthouse Address: Seguin Island, Phippsburg, ME A lighthouse haunted by a tragic tale of a keeper and his wife. The piano she played endlessly still echoes through the wind, and visitors report cold drafts and ghostly sightings. The Kennebunk Inn Address: 45 Main St, Kennebunk, ME 04043 Haunted by Silas Perkins, a former night watchman who enjoys playing pranks on guests. Expect moving objects, cold drafts, and whispered voices in the night. Fort William Henry Address: 3115 Bristol Rd, New Harbor, ME 04554 Soldiers from the 1600s still roam the grounds, with ghostly regiments and the sounds of battle often heard at dusk. Captain Fairfield Inn Address: 8 Pleasant St, Kennebunkport, ME 04046 Captain James Fairfield's ghost still watches over the inn, with reports of a man in a dark coat appearing at night and the scent of his wife's perfume lingering in the air. Mount Hope Cemetery Address: 1048 State St, Bangor, ME 04401 Shadowy figures and a Lady in White glide through the cemetery, with children's laughter echoing through the tombstones. The Kennebec Arsenal Address: Arsenal St, Augusta, ME 04330 A former mental hospital haunted by ghostly patients. Apparitions in hospital gowns are seen in the windows, and eerie moans are heard from within the abandoned buildings. The Wood Island Lighthouse Address: Wood Island, Biddeford Pool, ME Haunted by the spirit of Joseph Willard, who committed murder and suicide here. Footsteps, whispers, and ghostly figures still occupy the lighthouse. The Jameson Tavern Address: 115 Main St, Freeport, ME 04032 Known as the "Birthplace of Maine," this historic tavern is home to spirits rearranging furniture and the ghost of a young girl who appears in mirrors. The Victoria Mansion Address: 109 Danforth St, Portland, ME 04101 Haunted by its former owner, Ruggles Sylvester Morse, who roams the grand halls. Guests often smell cigar smoke and hear the sounds of ghostly parties from the past. The Lucerne Inn Address: 2517 Main Rd, Dedham, ME 04429 A tragic bride and groom are said to haunt the inn, with guests reporting sightings of the bride in her gown and hearing sorrowful sobbing from empty rooms. Like Our Facebook page for more Halloween fun: www.Facebook.com/TheHalloweenPodcast ORDER PODCAST MERCH! Website: www.TheHalloweenPodcast.com Email: TheHalloweenPodcast@gmail.com X: @TheHalloweenPod Support the Show: www.patreon.com/TheHalloweenPod Get bonus Halloween content and more! Just for Patreon supporters! Check out my other show! Find it on iTunes - Amazing Advertising http://amazingadvertising.podomatic.com/ Keywords: Haunted Maine, Maine Ghost Stories, Haunted Locations, Paranormal Maine, Haunted America, Seguin Island Lighthouse, Kennebunk Inn, Fort William Henry, Captain Fairfield Inn, Mount Hope Cemetery, Kennebec Arsenal, Wood Island Lighthouse, Jameson Tavern, Victoria Mansion, Lucerne Inn Tags: #HauntedAmerica #GhostStories #MaineHaunts #ParanormalPodcast #HauntedLocations #MaineGhosts #SpookyMaine #StaySpooky

Unlock the secrets of powerful public relations for small businesses with our special guest, Laura Dolce, the director of the Kennebunk, Kennebunkport and Arundel Chamber of Commerce. Discover how even the smallest news—like promotions, product launches, and anniversaries—can make headlines and breathe new life into your business. Laura explains how lean newsrooms are hungry for ready-to-publish stories and offers actionable insights on crafting compelling press releases. Tune in and give your small business the PR boost it deserves!

Join us as we explore:

What happens when an internship transforms from a simple summer job into a comprehensive, career-shaping experience? Join us as we welcome Don Golini, the visionary behind the Nonantum Resort's revitalized internship program in Kennebunkport. From an informal start to a structured, multifaceted initiative post-COVID, Don takes us through the program's evolution. Discover the blend of departmental rotations, workshops, volunteer opportunities, and personal portfolio development that not only attracts hospitality majors but also students interested in honing their business skills. Gain insights into the recruitment process and the significant positive impact the program has made on the resort's workforce.We also explore the intimate and vibrant work culture at the Nonantum Resort, emphasizing the essential role of having a dedicated internship manager. Learn how cross-functional collaboration and creative problem-solving—like assigning special projects during a rainy summer—have propelled the program's success. Small Business Big World was recently ranked #48 on FeedSpot's list of the Best Small Business Podcasts!

Sea Girt Lighthouse Before Sea Girt Light was established in 1896, there was a long stretch of more than 38 miles with no lighthouses on the New Jersey coast from the Navesink Twin Lights south to Barnegat Light. In addition to helping coastal maritime traffic, the lighthouse served to aid mariners entering Sea Girt Inlet and Wreck Pond. The design of Sea Girt Lighthouse is unusual for the New Jersey coast. It consists of a square, red brick tower rising 44 feet and attached to a keeper's dwelling. Jude Meehan After World War II, an automatic light was mounted on top of the tower and the lighthouse was decommissioned. By 1980, the building was in a deteriorated state and was closed. An organization called the Sea Girt Citizens Committee was formed to save the lighthouse, and today it's open to the public. Our guest today is Jude Meehan, who is the president of the Sea Girt Citizens Committee. Co-hosting this episode are Heather Porter and her daughter, 11-year-old Guinevere, of Kentucky. Heather and Guin discuss their recent visit to New England to see lighthouses, including Portland Head, Nubble, and Goat Island in Kennebunkport, Maine. Heather & Guin at Nubble Light Guin at Portsmouth Harbor Light

On this episode of the Somewhat Frank Podcast, Frank Gruber (X: @FrankGruber), John Guidos (IG: @jgoodtimes83), Jen Caonsalv (X: @noreaster) and Simon Kahan (IG: @simonkahan) chat about the following topics:   The 6th birthday of our company, Established! Read our post about it: https://www.startupofyear.com/blog/estturnssix    What actually happens when you mow your lawn? - Mowing grass too short can cut the tops off of flowering plants, which can make it hard for pollinators to feed and rest and nest   OpenAI's ChatGPT has launched 4o or “omni” - launched the first of its kind - OpenAI introduced a major upgrade to ChatGPT with the new GPT-4o model, also known as Omni.   Google's Project Astra - Project Astra, showcased at Google I/O, is a real-time, multimodal AI assistant that identifies objects, locates items, reviews code, and more.   Apple is going to enter the generative AI market - Apple's top software executives decided to overhaul Siri after testing OpenAI's ChatGPT.   Google is going to start putting AI results first in Search thus causing a stir by those that rely on those search engine rankings to get found - Google announced the introduction of A.I.-generated answers, called "A.I. overviews," at its annual developer conference.   Ray Kurzweil's SXSW Speech: Can You Live 500 - At SXSW 2024, Ray Kurzweil, renowned futurist and Director of Engineering at Google AI, delivered a captivating speech titled "The Singularity is Nearer: Five Years to Radical Life Extension." He presented a compelling argument that significant advancements in medical technology within the next five years could potentially extend human lifespans to 2035 and beyond.   Daniel Ek's Next Act: Full-Body Scans For The People - The company says its full-body scans can detect the onset of a host of cardiovascular and metabolic diseases, as well as skin conditions. It calls its scans, which cost 2,500 Swedish krona (about $230), “a health check for your future self.”    Scientists About to Test Medicine to Grow New Teeth - Japanese scientists are starting the world's first clinical trials of "tooth regrowth medicine."    The first portrait of King Charles - I see lots of things in it. What do you see?    Life update - Frank and Jen have bought six little chicks that are about three weeks old, and they are currently raising them on the Kennebunkport ranch. So now they need a coop and run. If you know or work at one of the following companies, Nestera (https://nestera.us), Omlet (www.omlet.us), or Smart Coop (https://smart.coop.farm), please do get in touch with us.    On Sunday, May 12, Jerry Seinfeld accepted his honorary degree at Duke University but faced an unexpected turn of events. He said, “I totally admire the ambitions of your generation to create a more just and inclusive society. I think it is also wonderful that you care so much about not hurting other people's feelings in the million and one ways we all do that every second of every day.”  The comedian continued, “It's lovely to want to fix those things, but — all caps, but — what I need to tell you as a comedian, do not lose your sense of humor. You can have no idea at this point in your life how much you're going to need it to get through.” See it here: https://www.yahoo.com/entertainment/jerry-seinfeld-duke-university-speech-154355065.html    We have also started dropping our episodes onto YouTube in video format so you can see us now. Go check it out on Established YouTube, where you can subscribe to get updates when we drop a new episode. https://soty.link/ESTYouTube    As always, thank you for listening and feel free to reach out and let us know what you think at: somewhatfrank@est.us   Get updates like this in your inbox before they hit the web by subscribing to the newsletter here: https://frankgruber.me/newsletter/

One of the United States' closest allies is the nation of Canada and during this period it had one of its greatest statesman at the helm of Government, Prime Minister Brian Mulroney. He stood with Ronald Reagan, Margaret Thatcher and Pope John Paul 2 as they worked to end the scourge of Communism in the late  1980s and continued on to aid President Bush as Communism fell. He formed great friendships with all of these leaders. In this episode we hear about some of that, including the former Prime Ministers reminiscence about giving President Bush's eulogy many years after the Gulf War,  and then we will watch him step up to the microphone to stand with President Bush as he began the coalition building that was necessary to stop the naked aggression of Saddam Hussein. This episode will feature that press conference from Kennebunkport, Maine.  Questions or comments at , Randalrgw1@aol.com , https://twitter.com/randal_wallace , and http://www.randalwallace.com/Please Leave us a review at wherever you get your podcastsThanks for listening!!

On Culture Friday, what's behind Ohio enshrining a right to abortion in its constitution; The Marvels brings underperforming storylines together in a compelling way; and life in a lighthouse in Kennebunkport, Maine. Plus, the Friday morning newsSupport The World and Everything in It today at wng.org/donate.Additional support comes from Dordt University. Dordt's Accredited M-S-W program equips faithful social workers to maximize their impact. More at Dordt.edu/M-S-WFrom Medi-Share. An affordable, reliable, Christian alternative to health insurance. Medishare.com/worldAnd from Crossway and the book Reforming Criminal Justice. Attorney Matthew Martens explores whether the American criminal justice system truly reflects love of neighbor. crossway.org/reformingcriminaljustice

BONUS episode featuring my summer of presidential travels as I fit in as many birthplaces, gravesites, homes, and other sites into one history professor's summer break.  The first of three trips, join me as I visit Texas, Louisiana, Tennessee, and Mississippi!Links to Previous Episodes Mentioned:Birthplaces"Andrew Johnson and Raleigh""George W Bush and New Haven" Homes"James Polk and Columbia""Zachary Taylor and Louisville""Andrew Johnson and Greeneville""George HW Bush and Kennebunkport""George W Bush and Crawford"Check out the website at VisitingthePresidents.com for visual aids, links, past episodes, recommended reading, and other information! Support the showVisit the social media on Facebook, Twitter, and Instagram! Get your "Visiting the Presidents" Merchandise at VisitingPresidentsMerch.com!

Jeff Belanger and Ray Auger investigate Captain Nathaniel Lord's mansion in Kennebunkport, Maine. Built during the War of 1812, Lord had his shipbuilders construct the finest mansion in town. Lord died young, just three years after the mansion was built, leaving his wife Phoebe to raise the family alone. The mansion remained in the Lord family up until 1972. Today this mansion is an opulent and haunted Bed and Breakfast. But who is haunting this stately mansion? The Haunting of Lord Mansion - A New England Legends Podcast Listen ad-free plus get early access and bonus episodes at: https://www.patreon.com/NewEnglandLegends For more episodes join us here each Monday or visit their website to catch up on the hundreds of tales that legends are made of.  https://ournewenglandlegends.com/category/podcasts/Follow Jeff Belanger here: https://jeffbelanger.com/See omnystudio.com/listener for privacy information.

In this episode we WadeOutThere with Mike Savlen from Kennebunkport, Maine.  Mike grew up in New England with a love of both fishing and art.  He fell in love with fly fishing when he moved to Vermont and found flies worked better than lures.  Mike's art became his primary professional focus when he “stopped listening to other people” and followed what truly made him happy.  As a painter in the Rocky Neck Art Colony in Gloucester, Massachusetts he was encouraged to continue painting fish by one of his art mentors.  We discuss keeping things fresh in art and fly fishing, Mike's sailing voyage from New England to Key West and how it influenced his paintings, casting to sea run brown trout, and the importance of doing the work.You can view Mike's artwork or purchase an original painting or giclee print at his website:SavlenStudios.comFor more fly fishing stories, lessons learned, and artwork check out my blog and online gallery at Wadeoutthere.com

MAINE, 1987: On the night of June 8, 1987, David Nixon had just hung up the phone with his father. He called back home to let his folks know that he was staying over at their family beach house in Kennebunkport, Maine for one more night. That phone call was the last contact David ever had with his family. Sometime after he put the phone back on the hook, David was killed just steps from the house on Goose Rocks Beach.The investigation into the murder of David J. Nixon would span the entire eastern seaboard and even extend into Canada before the suspect was finally apprehended. His time on the lam would result in a second violent homicide.  View source material and photos for this episode at darkdowneast.com/davidjnixonFollow @darkdowneast on Instagram, Facebook, and TikTokTo suggest a case visit darkdowneast.com/submit-caseDark Downeast is an audiochuck and Kylie Media production hosted by Kylie Low.

Kennebunkport is a Maine town that goes back hundreds of years. This coastal resort town plays host to several haunted inns. The Kennebunkport Captains Collection in Maine are four historic homes that had belonged to the Captain Daniel Walker family. Two of them are reputedly haunted. There is also the Nonantum Resort, which is the oldest inn in town. And the Kennebunk Inn hosts a well known spirit in the town. Join us for the history and hauntings of Maine's Kennebunkport. The Moment in Oddity features an underwater music festival and This Month in History features Peter the Great's Beard Tax. Check out the website: http://historygoesbump.com Show notes can be found here: https://historygoesbump.blogspot.com/2023/09/hgb-ep-503-maines-kennebunkport.html Become an Executive Producer: http://patreon.com/historygoesbump Music used in this episode:  Main Theme: Lurking in the Dark by Muse Music with Groove Studios (Moment in Oddity) Vanishing by Kevin MacLeod Link: https://incompetech.filmmusic.io/song/4578-vanishing License: https://filmmusic.io/standard-license (This Month in History) In Your Arms by Kevin MacLeod Link: https://incompetech.filmmusic.io/song/3906-in-your-arms License: https://filmmusic.io/standard-license Outro Music: Happy Fun Punk by Muse Music with Groove Studios The following music was used for this media project licensed under CC BY 4.0: https://filmmusic.io/standard-license: Music: Sunny Serenity [Full version] by MusicLFiles Free download: https://filmmusic.io/song/10849-sunny-serenity-full-version

In Episode 312 Jeff Belanger and Ray Auger investigate Captain Nathaniel Lord's mansion in Kennebunkport, Maine. Built during the War of 1812, Lord had his shipbuilders construct the finest mansion in town. Lord died young, just three years after the mansion was built, leaving his wife Phoebe to raise the family alone. The mansion remained in the Lord family up until 1972. Today this mansion is an opulent and haunted Bed and Breakfast. But who is haunting this stately mansion?   See more here: https://ournewenglandlegends.com/podcast-312-captain-lords-haunted-mansion/   Listen ad-free plus get early access and bonus episodes at: https://www.patreon.com/NewEnglandLegends

On this week's episode, host Caryn Antonini is joined by Chef Mawa McQueen, a globally inspired, award-winning chef and owner of Mawa's Kitchen in Aspen Colorado. In addition to being a James Beard award winning chef, Mawa is an author, caterer, restaurateur and successful entrepreneur. Originally from Africa's Ivory Coast, Chef Mawa was classically trained in culinary school in Paris. From there she went on to work in ski resorts in the French Alps, the White Barn Inn in Kennebunkport, Maine, The Little Nell in Aspen, and now she proudly owns 4 restaurants of her own, as well as a super healthy granola brand and a pink gin called Atian. For more information: https://www.mawaskitchen.com/Caryn Antoniniwww.cultivatedbycaryn.com@cultivatedbycarynThe Cultivated By Caryn show is a presentation of Park City Productions 06604 ###Get great recipes from Caryn at https://carynantonini.com/recipes/

Rachel Jaffe is a "coastal craftswoman based in Virginia Beach. She specializes in ceramic arts, education and is a business owner. Her clay work, including her now infamous miniature mug jewelry recently made it's debut at Arrowmont's Showcase Gallery and Supply Store in Gatlinburg, TN. Rachel grew up in Northern Virginia and her family has deep roots here, in the early 1940s, her great grandfather, Solomon Jaffe opened a meat processing plant called the Suffolk Packing Company, which her grandfather Gerald helmed for another 40 years. In her own words: "I craft functional and whimsical artwork to encourage play and conversation. My creations are intended to evoke a warm sense of home and meant to be touched, shared and cherished by all... My love for ceramics began in 2016, when my older sister, Julia, introduced me to this medium. She has always encouraged me to explore my artistic side and embrace the 3D world. As we explored and mucked around in our high school ceramics studio together, I became fascinated by the ability to shape earthen materials into lively creations. Thus began my clay journey. Much of my clay knowledge comes from, well, other clay people! I have learned so much through collaborating with other artists by sharing tools, techniques, and inspiration. I believe that art is meant to be shared and that the process of teaching and learning from others is an essential part of the creative process.Rather than pursuing a traditional academic path, I chose community studios as my learning environment. Before committing myself to ceramics, I briefly attended university in Pittsburgh, PA. Most of my time was not spent in the lecture halls. Instead, I ventured off-campus to a local community pottery studio, the Union Project, to satisfy my clay cravings. Later, I returned home to my job at Clay Cafe Studios in Falls Church, VA, where I shared my love of ceramics with elementary students. While teaching these young minds the wonders of clay, I also discovered new techniques and honed my skills as an artist. This experience served as a mutually beneficial opportunity for both myself and the children I taught.While I was accepted into art school, I ultimately decided not to attend. I chose to continue my education through more hands-on experiences. I adored teaching youth and continued my work at a local art center called River Tree Arts in Kennebunkport, ME. I had the wonderful opportunity to teach after school classes, connect with other artists, further develop my skills, and hone my personal style."  Find Rachel at a local market using the link below: https://www.23beans.com/markets Upcoming Markets 2023 July 22 // Christmas In July 5:00 - 9:00 PM@ Reaver Beach Brewing Co.3800 Colley Ave.Norfolk, VA 23508 Additional Resources: https://www.arrowmont.org/store/ https://www.isjl.org/virginia-suffolk-encyclopedia.html --- Send in a voice message: https://podcasters.spotify.com/pod/show/loveletterstovirginia/message

NBC Sports Boston anchor/reporter Trenni Casey discussed the French Open and updates on Harvard's investigation into their former women's hockey coach. We opened the phones to hear about new bike lanes in West Roxbury and Boston's jaywalking reputation. Who are the streets for? And what do listeners think about adding more bike lanes and other traffic slowing measures? Boston Globe travel writer Christopher Muther discussed his recent columns that highlight safe places for queer travelers in 2023, and a profile of Kennebunk, Maine (not to be confused with Kennebunkport). National security expert Juliette Kayyem discussed All State and State Farm insurance companies announcing they will not sell new coverage to homeowners in California, citing worsening climate conditions. Kayyem also discussed a meeting between Trump's lawyers meeting and the DOJ regarding the classified documents case. How much PDA (public displays of affection) is too much? We took calls and texts from listeners. Then, CNN chief national correspondent John King joined via zoom for the latest political headlines. Guster performed for Live Music Tuesday, ahead of a Wednesday show with the Boston Pops.

This is Eric Stark with The Smart RV'er Podcast Delivering the smarts you need to enjoy the freedom of the RV Lifestyle without the fear of breaking down! Living the RV Life: Eric and Alexis discuss how the RV lifestyle can be improved when you lighten your RV's weight in various ways. This can be helpful for gas mileage, ease on tires and springs, and just less clutter so you can enjoy the RV lifestyle. Eric also informs you on how you can empty your water tanks for even smoother travel. With this know-how, you can analyze your RV and see how you can make improvements.  Staying On The Road: Eric talks about the good and the bad of customer service and the breakdown of how consumers are treated in most big box stores lately. He also clarifies how we at Highways93 RV Parts are committed to making our customers happy! We are always ready to answer your phone calls and emails. We really try to help our customers as quickly as possible. Eric talks about how much our customers mean to us, so improving our customer service skills is imperative.  The Next Stop: Eric and Alexis have a lively conversation about Kennebunkport and what fun things you can do while you're there. They talk about how nice traveling on the East Coast can be and how enjoyable being close to the ocean can be. Kennebunkport is famous for being the vacation place for George W Bush. Eric talks about his own personal visit to Maine and how beautiful the whole state is. Finally, as always, as a viewer and listener, we encourage you to check out TheSmartRver.com, where all the ‘Next Stop' Articles can be found with more information than we cover in the podcast section!  RV Envy: Eric highlights how nice Magnadyne USB ports are and how handy they are to have on the road. He talks about how upgrading your RV with awesome gear can improve your life and the enjoyment of the RV life. Please like and subscribe.  If you are interested in trying MagicMind at a discount, use the following: MagicMind.com/SmartRV And Enter Promo Code SMARTRV20 at check out and save 20% to 50% on your order. Magnadyne.com TheSmartRVer.com

From New England to Texas, the Bushes left a legacy as big as the Texas sky! We will travel to Kennebunkport, Maine, and Houston, Texas, as well as many other homes in between, looking at George HW Bush, 41st President! Learn about George's political career and long resume; his vice presidency, election, and Presidency; his wife, Barbara, and children; and his homes! Check out the website at VisitingthePresidents.com for visual aids, links, past episodes, recommended reading, and other information!Episode Page: https://visitingthepresidents.com/2023/04/03/season-2-episode-41-george-hw-bush-and-kennebunkport/Season 1's George H.W. Bush Episode: "George HW Bush and Milton" Support the showVisit the social media on Facebook, Twitter, and Instagram! Get your "Visiting the Presidents" Merchandise at VisitingPresidentsMerch.com!

Cape Porpoise is a small coastal village in the town of Kennebunkport, Maine. More than a dozen islands protect the deep, sheltered harbor at Cape Porpoise, and it grew into a busy center for fishing and lobstering. Goat Island Light Station, Maine. Photo by Jeremy D'Entremont. Goat Island Light Station was established in 1833 to help guide mariners into the harbor. A 20-foot stone tower and dwelling were built, and John Lord of Kennebunk became the first keeper at a salary of $350 per year. In 1859, the tower and house were rebuilt. The brick tower is 25 feet tall with its light 38 feet above mean high water. Tom Bradbury, executive director of the Kennebunkport Conservation Trust. (Courtesy of the KPT) In 1990, Goat Island Light became the last lighthouse in Maine to be automated. In 1992, Goat Island was leased to the Kennebunkport Conservation Trust. The light station officially became the property of the trust under the Maine Lights Program in 1998. Since its founding in 1969, the Kennebunkport Conservation Trust has protected about 2800 acres of town land from development. The Trust has carried out many restoration projects at Goat Island, but it currently faces a new challenge with the failure of the underwater cable that provides electrical power to the island. There are three guests in this episode, which is the first of two parts. Scott Dombrowski, the island overseer for the trust, has lived on the island much of the time over the past 30 years with his wife, Karen, and their two sons. Tom Bradbury is the executive director of the Kennebunkport Conservation Trust. Light Hearted host Jeremy D'Entremont and Bob Trapani, Jr., executive director of the American Lighthouse Foundation, met with Scott, Karen, and Tom at the Kennebunkport Conservation Trust headquarters in December. (Right: Scott and Karen Dombrowski on Goat Island) Listen to the podcast with the player below.

I'm thrilled to catch up with Rob Holmes today. Rob is the founder of GLP Films, and their mission is to help brands reach sustainability goals, protect nature, communities, culture, and heritage through the lens of storytelling and content marketing. Facebook Twitter Instagram   The Outdoor Biz Podcast   Love the show? Subscribe, rate, review, and share!   Sign up for my Newsletter HERE.   I'd love to hear your feedback about the show! You can contact me here: email: rick@theoutdoorbizpodcast.com or leave me a message on Speakpipe!   Show Notes How Rob was introduced to the Outdoors My real connection with the outdoors started with my dad and going out on these crazy adventures with him and my two older brothers. The funny thing is my dad was a Southern boy. He's from Tennessee. He knew absolutely nothing about the outdoors. I mean, I, I don't know if he knew anything but someone helped him get the equipment and things that we needed, external backpacks and all that stuff from back then. Honestly, that really, if I had to celebrate my real connection to it. He had two weeks of vacation every year and those would be dedicated to taking his three crazy sons out. When he picked up his first camera I had a Pentax K 2000, so if that doesn't date me, I don't know what does. But my getting into photography, was really just my passion thing. It hit me really, I think in college, when, you're exposed to a lot of courses. I went to a small liberal arts college in upstate New York, Hobart College. And I majored in environmental studies, and wildlife management. So sort of this odd combination I had to petition the school cause they had nothing around wildlife. I took one photography class and you take that black-and-white photography class everybody takes to get your entry-level photo class. I got, I think a B, but I remember that I didn't like any of the history stuff. I just wanted to shoot the camera. That's all I wanted to do. The start of GLP Film I pretty much was doing freelance. I did some independent projects with organizations, some nonprofits out of Seattle, and one in particular called the Tibetan Nuns Project. It was a small NGO. They had a project on the Tibetan side of India. So I went there for three consecutive years just to shoot their calendar. They had an annual calendar, but that was one example of a project. But more importantly, I did a lot of solo work. When I was in Seattle, I went to grad school. At the University of Washington, I actually got into the business. So I got an MBA, which again, that was the last thing I thought I'd ever get, but I got an MBA and, after school, I started with a company, in the digital content space, in the outdoor industry. The inspiration for GLP Films I had these three different sorts of stools and the legs of the stool that I like to look at. One was this real passion for conservation. I had a real passion for the outdoors. I worked for the Appalachian Mountain Club for five years. Worked for nonprofits like The Nature Conservancy. So I had a real interest in and passion and conservation. That was one stool. I think the other was obviously media, I started in photography and got into video. I think on the video side, the turning point for me was Al Gore's Inconvenient Truth. Seeing that in 2006, I think it was the number-one at that time documentary film of all time. And if you can take a slideshow and make it the highest-grossing documentary film, there's something there. And, it really was just the power of video. And, it really was just the power of video. And I saw that and I used it to go to the Seattle International Film Festival every year. And I would go to all the documentary films on international. I would just go myself, sit in the back row, buy all these random tickets, looking for the most far-flung countries in the world. So I got really into documentaries. So that was the second leg. And then the third leg was business. That entrepreneurship bug hit me as a young kid. And I ended up getting a graduate degree. I studied in India and South Africa and Brazil while going to business school. And so for me I wanna combine these three components. Rob's advice for folks that want to get into photography or shoot films? I will say though, in hindsight, because I do know a lot of very successful photographers is . . . the classic . . . focus on what you do. Find your niche and become the absolute best in what you do. Just make sure that you love what you're doing. Because at the end you're gonna work more as an entrepreneur or small business. You're gonna have to be a go-getter. And, it's tough to have that energy if you don't like what you're doing. So just make sure that you focus on whatever your niche is and your specialty. And become the absolute best, just make sure you love it. And then I think the other point though, is network network network, really leverage your local regional, national, global audience because that really is going to be the key to how you get your content out there, your work out there, your expertise out there for others to pick you up. Trade Show Banner Sustainability or Bust Daily Routines My big thing is getting outdoors. So, I run and have Qualified for Boston twice. So I'm a big runner. I love to bike, I'm in Kennebunkport, Maine. So, I'm right along the coast, I feel very, very lucky where we are. And so I'm running, biking, walking, every day. Favorite Books I'm more on the newspaper side than the magazine side. I would say on the newspaper side New York times. I mean some of the best editorial content globally. Magazines- I've always been a fan of Outside. Expedition Books- Galen Rowell Favorite piece of outdoor gear MSR Whisper Light Sustainability Storytelling Competition GLP Films has just launched its " sustainability storytelling competition" It's a global competition open to all industries, not just tourism. It could be the food industry, could be diversity, conservation, wildlife, tourism, all different sectors. There are six different categories that people can submit under. It's open to organizations, small, large, nonprofit, and bigger organizations. You can submit as many times as you want. And the cool thing is . . . for the grand prize winner, GLP will come and film your story on location! Follow GLP Facebook Instagram Twitter Linkedin Vimeo YouTube

Brendan Parkhurst, superintendent at Cape Arundel Golf Club in Kennebunkport, Maine, joins Andy as the latest guest in our Superintendent Series. Brendan has been at Cape Arundel for over 20 years and has helped guide the Walter Travis-designed course through its restoration. The special care needed for Cape Arundel's dramatic greens, how a tidal river flood impacts the grass, and the pros and cons of taking care of a 5,800-yard course are all discussed. Brendan also shares some tips for how to handle the security detail and motorcade when the President of the United States is a frequent visitor.

In this episode of the Making Bank podcast, Noah St. John talks about what you can do to change your life in less than 5 minutes a day. Noah has published over 17 books that can help you succeed. He's a legendary mental coach and is also known as the Father of Afformations; which is his method of using the question form of affirmations. 25 years ago, Noah would have an epiphany: he realized that our subconscious mind reacts and responds more effectively to questions rather than statements, and that's how he came up with his afformation method. Today Noah has been able to help his clients earn more in 12 weeks than what they would have in 12 months.    This episode covers the difference between affirmations and afformations, Noah's 4 A Formula, and his Core 4 Formula. Listen to the episode to learn more about how you can earn more and live better using Noah's methods and formulas.   Listen to Josh and Noah discuss afformation:   (2:30) Noah's Story Noah grew up in Kennebunkport, Maine, one of the wealthiest communities in New England. However, he wasn't wealthy at all, and eventually, his family would lose their house to foreclosure. Growing up, Noah spent a lot of his time with books, but none of the self-help books he read seemed to work for him. He was so frustrated with his life that he reached the brink of suicide, but that's when he set out to find his purpose in life, and he had two significant epiphanies that changed his life forever.    (6:47) Afformations Instead Of Affirmations In 1997 Noah changed his outlook on life; he'd been through multiple self-help books, most of which honed in on affirmations. Noah realized that we could state affirmations most of the time, but they mean nothing because we don't believe in them. That's when he developed afformations: rather than positive statements; he found that our brains responded better to positive questions. With his afformation method, he's been able to help hundreds of people worldwide find not only success but also overcome addiction.   (13:01) How You Can Change Your Life In Just 5 Minutes A Day As entrepreneurs, we're all looking for success. So how to achieve success by doing something for just five minutes a day? Through afformation — you want to sow thoughts that matter. Every single day we think about the events in our lives. If we fail, the natural reaction is to ask yourself, "what went wrong?" or "why did I mess up." Noah talks about how we're always asking ourselves lousy questions, and in turn, we get awful answers. Don't sow lousy thoughts; instead, plant thoughts that will bring you success. Use positive afformation in your life for just five minutes a day, and you can change your own financial future.    (15:39) 4 A Formula There are four steps in Noah's formula for afformation. The first A is to ask yourself what you want and find your end goal. The second A is afforming that what you want is already true; you want to afform the fact that you've already achieved your goals. Earlier, we mentioned that affirmation doesn't work because we don't believe; that's why the third A is to accept the truth of your new questions. Finally, the fourth A is to take action — the first three parts of the 4 A Formula are useless if you don't put in the work.   (17:54) Core Four Formula Noah discusses the next steps after using his 4 A Formula. That's where his Core Four Formula comes into play. The Core Four Formula is related to the action-taking process — the four cores are reading, writing, speaking, and listening. Noah explains the process in detail and why it matters. A simplified version of the process is: you start by reading afformations. The second step is to write down those afformations by hand, and then third, you move on to saying those afformations out loud, and finally, you listen to afformations. Noah has a website called iafform audios, where you can listen to afformations in the background to reprogram your subconscious thought patterns.   (21:20) How Noah's Clients Earn More In 12 Weeks Noah talks about how he's been able to coach multiple clients to earn more in 12 weeks than they would have in 12 months. Noah's process is different from others; rather than putting in hours and hours of work and leaving little to no time for anything else. He explains that in order to be more successful, you need balance. The four things you need to balance our time, energy, relationships, and money. It's great to have money, but without the time, energy, or people to enjoy your money with, having money becomes obsolete, and that's why balance is so important.   Links mentioned:  Noahstjohn.com Getmillionairebook.com Freegiftfromnoah.com

In this episode of the Making Bank podcast, Noah St. John talks about what you can do to change your life in less than 5 minutes a day. Noah has published over 17 books that can help you succeed. He's a legendary mental coach and is also known as the Father of Afformations; which is his method of using the question form of affirmations. 25 years ago, Noah would have an epiphany: he realized that our subconscious mind reacts and responds more effectively to questions rather than statements, and that's how he came up with his afformation method. Today Noah has been able to help his clients earn more in 12 weeks than what they would have in 12 months.    This episode covers the difference between affirmations and afformations, Noah's 4 A Formula, and his Core 4 Formula. Listen to the episode to learn more about how you can earn more and live better using Noah's methods and formulas.   Listen to Josh and Noah discuss afformation:   (2:30) Noah's Story Noah grew up in Kennebunkport, Maine, one of the wealthiest communities in New England. However, he wasn't wealthy at all, and eventually, his family would lose their house to foreclosure. Growing up, Noah spent a lot of his time with books, but none of the self-help books he read seemed to work for him. He was so frustrated with his life that he reached the brink of suicide, but that's when he set out to find his purpose in life, and he had two significant epiphanies that changed his life forever.    (6:47) Afformations Instead Of Affirmations In 1997 Noah changed his outlook on life; he'd been through multiple self-help books, most of which honed in on affirmations. Noah realized that we could state affirmations most of the time, but they mean nothing because we don't believe in them. That's when he developed afformations: rather than positive statements; he found that our brains responded better to positive questions. With his afformation method, he's been able to help hundreds of people worldwide find not only success but also overcome addiction.   (13:01) How You Can Change Your Life In Just 5 Minutes A Day As entrepreneurs, we're all looking for success. So how to achieve success by doing something for just five minutes a day? Through afformation — you want to sow thoughts that matter. Every single day we think about the events in our lives. If we fail, the natural reaction is to ask yourself, "what went wrong?" or "why did I mess up." Noah talks about how we're always asking ourselves lousy questions, and in turn, we get awful answers. Don't sow lousy thoughts; instead, plant thoughts that will bring you success. Use positive afformation in your life for just five minutes a day, and you can change your own financial future.    (15:39) 4 A Formula There are four steps in Noah's formula for afformation. The first A is to ask yourself what you want and find your end goal. The second A is afforming that what you want is already true; you want to afform the fact that you've already achieved your goals. Earlier, we mentioned that affirmation doesn't work because we don't believe; that's why the third A is to accept the truth of your new questions. Finally, the fourth A is to take action — the first three parts of the 4 A Formula are useless if you don't put in the work.   (17:54) Core Four Formula Noah discusses the next steps after using his 4 A Formula. That's where his Core Four Formula comes into play. The Core Four Formula is related to the action-taking process — the four cores are reading, writing, speaking, and listening. Noah explains the process in detail and why it matters. A simplified version of the process is: you start by reading afformations. The second step is to write down those afformations by hand, and then third, you move on to saying those afformations out loud, and finally, you listen to afformations. Noah has a website called iafform audios, where you can listen to afformations in the background to reprogram your subconscious thought patterns.   (21:20) How Noah's Clients Earn More In 12 Weeks Noah talks about how he's been able to coach multiple clients to earn more in 12 weeks than they would have in 12 months. Noah's process is different from others; rather than putting in hours and hours of work and leaving little to no time for anything else. He explains that in order to be more successful, you need balance. The four things you need to balance our time, energy, relationships, and money. It's great to have money, but without the time, energy, or people to enjoy your money with, having money becomes obsolete, and that's why balance is so important.   Links mentioned:  Noahstjohn.com Getmillionairebook.com Freegiftfromnoah.com