Podcasts about nationally

The Rod and Greg Show Daily Rundown – Friday, August 15, 20254:38 pm: Nationally syndicated radio host Glenn Beck joins Rod and Greg from our Salt Lake City studios today for a conversation about a plethora of current political news.6:05 pm: Isaac Schorr, an Editor at Mediaite and a contributor to The Spectator, joins the program to discuss his recent piece about his brush with death in the streets of Washington, D.C.6:20 pm: Taylor Hathorn, Visiting Fellow at the Independent Women's Center for American Safety and Security, joins the program to discuss how crime has shattered Washington, D.C.6:38 pm: We'll listen back to this week's conversations with Utah State Superintendent of Public Instruction Molly Hart about a new initiative to battle chronic absenteeism, and (at 6:50 pm) with Joseph Grenny, Chair of the Other Side Academy, about how to fix chronic homelessness in Utah. 

Nationally syndicated financial columnist and author Terry Savage joins Jon Hansen, filling in for Lisa Dent, to discuss the latest report on inflation. The market, Savage explains, reacted well the the CPI, believing that tariffs are not responsible for the increase in inflation. She then, as always, answers questions from listeners.

Nationally syndicated financial columnist and author Terry Savage joins John Williams to talk about the market hitting all-time highs and what to know if you are planning for retirement. Terry also answers all of your financial questions.

In this episode of The Clay Edwards Show, host Clay Edwards kicks things off with a lively discussion on whether couples need to share a bed for a happy marriage. Drawing from personal anecdotes and listener feedback, Clay explores the importance of quality sleep versus physical closeness, sharing stories of long-married couples who thrive in separate beds due to snoring, heat, or restlessness. He emphasizes prioritizing rest to be a better partner during waking hours. Shifting gears, Clay tackles the alarming spike in assaults by Black individuals on white people across the U.S., including Mississippi. He breaks down a chaotic incident in Copiah County where volunteer firefighters were attacked by a crowd of up to 100 during a drag racing crash response, leaving several hospitalized. Clay condemns the lack of arrests and questions the mob's logic in delaying aid out of frustration over response times. Nationally, he covers the brutal beating of "Big Balls," a former DOGE staffer, who intervened in a carjacking in Washington, D.C., only to be assaulted by a group of teens. Clay highlights media bias, noting reversed roles would spark outrage, and praises Donald Trump's call to federalize D.C. for crime control, including prosecuting minors as adults. He ties in a Cincinnati attack on an elderly white man and woman, criticizing officials for downplaying potential hate crime motives and blaming alcohol. In a satirical segment, Clay "bans" anyone who's ever used the N-word from the show to underscore hypocrisy in outrage over language versus violence, urging equal accountability across communities. Finally, Clay addresses Mississippi's STD epidemic, ranking high nationally for syphilis, gonorrhea, and chlamydia—especially in Hinds County, the U.S.'s worst. He attributes it to cultural issues like lack of discipline rather than education gaps, calling for self-reflection and safer practices. Packed with raw opinions, listener texts, and calls for accountability, this episode challenges norms on relationships, crime, and health. Don't miss the heated takes! (1872 characters)

Nationally syndicated financial columnist and author Terry Savage joins John Williams to talk about the vibe shift happening surrounding the strength of the economy, the uncertainty over tariffs and how they will impact consumers, the softening of the job market, the latest on student loans, and what to know about interest rates and T Bills. Terry also answers […]

Classroom Coverup: Shocking Secrets - How Schools Hide Predator Teachers! Dive into the dark underbelly of America's education system in this eye-opening premiere episode! We expose the chilling practice known as "passing the trash," where school districts let teachers accused of predatory behavior resign quietly without reporting to authorities or flagging their records. Instead of protecting kids, admins prioritize avoiding lawsuits, bad press, and union battles by providing neutral or even glowing references, allowing these educators to hop to new schools and continue harming students. You'll learn how this has been happening for decades, with roots in the 1990s when Education Week first called it out as a growing issue that politicians and the public were starting to notice but not fully addressing. And why is it still rampant in 2025 despite federal laws like the Every Student Succeeds Act (ESSA) mandating prevention of aiding sexual misconduct?  We break down the mechanics step by step: A complaint comes in—maybe creepy comments, excessive physical contact, or favoritism toward certain girls—the district launches an internal investigation that's often superficial and biased toward protecting the institution, finds "no outright abuse" to avoid escalation, and cuts a deal for resignation with a clean slate, sometimes including severance pay to sweeten the exit. Background checks at the next school fail because there's no paper trail, no shared database, and the cycle repeats with devastating consequences. Shocking statistics reveal the massive scale of the problem: About 10% of K-12 students in the U.S. experience some form of sexual misconduct by a school employee by graduation, according to a landmark 2004 study by researcher Charol Shakeshaft, with a more recent Harvard Graduate School of Education report estimating up to 17% of students report being targeted in surveys.  In Texas alone, since 2017, there have been over 2,500 educator sex crime charges, yet around 4,300 administrative separations—meaning quiet exits without charges—that highlight the gap where suspicions go unreported. Nationally, reports of educator sexual violence have spiked in recent years, with thousands of cases documented annually, but experts say that's just the tip of the iceberg because so much is swept under the rug. We explore why it persists—fear of defamation suits if allegations aren't ironclad, administrative laziness where investigating takes too much time and resources, and misaligned incentives to sweep scandals under the rug to protect enrollment numbers or funding streams. Federal law under ESSA requires states to have policies preventing schools from aiding sexual misconduct, including "passing the trash," but a 2022 U.S. Department of Education report found these policies are uneven—only 29 states have solid bans, while others have loopholes or no enforcement at all, leaving places like Ohio often called out as holdouts where weak laws let this continue generation after generation. Recent examples tease what's ahead in the series, like a teacher bouncing between states before committing a double murder on a hiking trail. The human cost is heartbreaking and impossible to ignore: Kids suffer lifelong trauma—depression, trust issues, higher risks of substance abuse or suicide—while families fight for justice in a system that failed them from the start. On X, parents and advocates are furious, with recent posts linking "passing the trash" to cases like that Arkansas teacher, calling it "terrifying" and demanding schools do better because "lives are literally at stake." This episode arms you with the facts to spot the signs, understand the system, and demand change right now. Don't miss it—subscribe now to uncover the truth and join the movement to protect our kids from these hidden dangers!  Hashtags: #ClassroomCoverup #PassingTheTrash #SchoolPredators #HiddenDangers #ProtectOurKids #EducatorAbuse #SchoolScandals #MandatoryReporting #StopTheShuffle #TrueCrimeEducation Want to comment and watch this podcast as a video? Check out our YouTube Channel. https://www.youtube.com/@hiddenkillerspod Instagram https://www.instagram.com/hiddenkillerspod/ Facebook https://www.facebook.com/hiddenkillerspod/ Tik-Tok https://www.tiktok.com/@hiddenkillerspod X Twitter https://x.com/tonybpod Listen Ad-Free On Apple Podcasts Here: https://podcasts.apple.com/us/podcast/true-crime-today-premium-plus-ad-free-advance-episode/id1705422872

Nationally recognized psychiatrist, internist, and addiction medicine specialist Muhamad Aly Rifai discusses his article, "How President Biden's cognitive health shapes political and legal trust." While carefully observing the ethical constraints of the Goldwater Rule, he analyzes the public discourse surrounding the cognitive health of former President Joseph Robinette Biden Jr. from a medico-legal standpoint. Muhamad explains how the former president's known medical history, including surgeries for cerebral aneurysms, creates a clinical basis for concern about potential cognitive decline consistent with vascular dementia. He argues that public moments of cognitive lapse, combined with practices like the use of an autopen for official signatures, raise legitimate questions about a leader's decision-making capacity and the validity of their actions. The core of his argument is an unequivocal call to establish clear, impartial, and publicly accountable protocols for cognitive health assessments for all national leaders, asserting that this is essential to uphold public trust and the integrity of the office. Careers by KevinMD is your gateway to health care success. We connect you with real-time, exclusive resources like job boards, news updates, and salary insights, all tailored for health care professionals. With expertise in uniting top talent and leading employers across the nation's largest health care hiring network, we're your partner in shaping health care's future. Fulfill your health care journey at KevinMD.com/careers. VISIT SPONSOR → https://kevinmd.com/careers Discovering disability insurance? Pattern understands your concerns. Over 20,000 doctors trust us for straightforward, affordable coverage. We handle everything from quotes to paperwork. Say goodbye to insurance stress – visit Pattern today at KevinMD.com/pattern. VISIT SPONSOR → https://kevinmd.com/pattern SUBSCRIBE TO THE PODCAST → https://www.kevinmd.com/podcast RECOMMENDED BY KEVINMD → https://www.kevinmd.com/recommended

Classroom Coverup: Shocking Secrets - How Schools Hide Predator Teachers! Dive into the dark underbelly of America's education system in this eye-opening premiere episode! We expose the chilling practice known as "passing the trash," where school districts let teachers accused of predatory behavior resign quietly without reporting to authorities or flagging their records. Instead of protecting kids, admins prioritize avoiding lawsuits, bad press, and union battles by providing neutral or even glowing references, allowing these educators to hop to new schools and continue harming students. You'll learn how this has been happening for decades, with roots in the 1990s when Education Week first called it out as a growing issue that politicians and the public were starting to notice but not fully addressing. And why is it still rampant in 2025 despite federal laws like the Every Student Succeeds Act (ESSA) mandating prevention of aiding sexual misconduct?  We break down the mechanics step by step: A complaint comes in—maybe creepy comments, excessive physical contact, or favoritism toward certain girls—the district launches an internal investigation that's often superficial and biased toward protecting the institution, finds "no outright abuse" to avoid escalation, and cuts a deal for resignation with a clean slate, sometimes including severance pay to sweeten the exit. Background checks at the next school fail because there's no paper trail, no shared database, and the cycle repeats with devastating consequences. Shocking statistics reveal the massive scale of the problem: About 10% of K-12 students in the U.S. experience some form of sexual misconduct by a school employee by graduation, according to a landmark 2004 study by researcher Charol Shakeshaft, with a more recent Harvard Graduate School of Education report estimating up to 17% of students report being targeted in surveys.  In Texas alone, since 2017, there have been over 2,500 educator sex crime charges, yet around 4,300 administrative separations—meaning quiet exits without charges—that highlight the gap where suspicions go unreported. Nationally, reports of educator sexual violence have spiked in recent years, with thousands of cases documented annually, but experts say that's just the tip of the iceberg because so much is swept under the rug. We explore why it persists—fear of defamation suits if allegations aren't ironclad, administrative laziness where investigating takes too much time and resources, and misaligned incentives to sweep scandals under the rug to protect enrollment numbers or funding streams. Federal law under ESSA requires states to have policies preventing schools from aiding sexual misconduct, including "passing the trash," but a 2022 U.S. Department of Education report found these policies are uneven—only 29 states have solid bans, while others have loopholes or no enforcement at all, leaving places like Ohio often called out as holdouts where weak laws let this continue generation after generation. Recent examples tease what's ahead in the series, like a teacher bouncing between states before committing a double murder on a hiking trail. The human cost is heartbreaking and impossible to ignore: Kids suffer lifelong trauma—depression, trust issues, higher risks of substance abuse or suicide—while families fight for justice in a system that failed them from the start. On X, parents and advocates are furious, with recent posts linking "passing the trash" to cases like that Arkansas teacher, calling it "terrifying" and demanding schools do better because "lives are literally at stake." This episode arms you with the facts to spot the signs, understand the system, and demand change right now. Don't miss it—subscribe now to uncover the truth and join the movement to protect our kids from these hidden dangers!  Hashtags: #ClassroomCoverup #PassingTheTrash #SchoolPredators #HiddenDangers #ProtectOurKids #EducatorAbuse #SchoolScandals #MandatoryReporting #StopTheShuffle #TrueCrimeEducation Want to comment and watch this podcast as a video? Check out our YouTube Channel. https://www.youtube.com/@hiddenkillerspod Instagram https://www.instagram.com/hiddenkillerspod/ Facebook https://www.facebook.com/hiddenkillerspod/ Tik-Tok https://www.tiktok.com/@hiddenkillerspod X Twitter https://x.com/tonybpod Listen Ad-Free On Apple Podcasts Here: https://podcasts.apple.com/us/podcast/true-crime-today-premium-plus-ad-free-advance-episode/id1705422872

Nationally syndicated financial columnist and author Terry Savage joins Lisa Dent to discuss the latest data from the New York Fed, which shows credit card debt has reached $1.21 trillion, matching last year's all-time high. Savage also discusses the rising number of bankruptcy filings, what they signal about the state of the economy, and the dangerous traps […]

Discussion about  Firearms and Training

A recording of a June 2024 on-air conversation with Bill Lundun and Gerry Snyder of the Wake Up Call on Eugene's KPNW Radio AM 1120. Topic: 'Bobbie the Wonder Dog's' 2,500-mile odyssey. Lost in Illinois, the affable collie crossed the Rocky Mountains on foot in the dead of winter, making friends along the way and causing a sensation upon his arrival home again. (For the full story, see https://offbeatoregon.com/2406a-1101a.silverton-bobbie-the-wonder-dog-104.652.html)

INTRO:  Welcome to the award winning, Nationally syndicated My Big Fat Bloody Mary podcast where you will never drink alone. Hope your Sunday is a Fun Day! Special hello to our new listeners! 53 new listeners in the State of Texas! ****We are coming to you from the studios of …

Charlie Marlow discusses the state of the St. Louis Cardinals after selling at the trade deadline.Brought to you by!: https://www.triadbanking.com/Stay in beautiful Innsbrook, MO!: https://innsbrookvacations.com/vrp/unit/600_Whitetail_Waters-159-15#mlb #stlouiscardinals #charliemarlow

Nationally syndicated financial columnist and author Terry Savage joins Lisa Dent to discuss what slowing consumer spending means for the economy. Savage also explores the surprise exemption in President Trump's new 50% copper tariff which is shaking markets and could have an impact on the cost of everyday goods.

Nationally syndicated financial columnist and author Terry Savage joins John Williams to talk about Mayor Johnson’s efforts to tax the ultra-rich, the economic data released today including a strong GDP report, why the housing market is a cause for concern, the dilemma the Fed is facing about cutting rates, and what she expects from Friday’s labor report. Terry […]

Dorothy was the eldest of two children. Her younger brother was well taken care of and able to continue on to higher education, mainly because he was male and in that era, women didn't really pursue higher education because culturally, that wasn't the norm.  Women's place was in the home and raising the children.One of the many things that my guest admired about her mother was that she opened up her own Children's Clothing store. Gertrude loved seeing her mom running a business that she was truly good at and enjoyed. Gertrude loved seeing a different side of her mother's personality, outside the home vs inside the home.Unfortunately, the store only lasted so long because of Gertrude's father's wishes. Yes, he was supportive but only up to a certain point. He also gave Dorothy an ultimatum and Dorothy agreed and made some very difficult choices that very same day and never broke her promise.  The couple did not have a particularly close relationship. Gertrude's dad worked and provided for the family and the two remained married for 27 years.You will hear Gertrude share stories of the secrets her mother kept her entire life. Gertrude is so impressed and bewildered by her mother's ability to keep all of these compelling stories to herself and still be a mother, raise her children, run her own  business and then continue on with another career working as an office secretary for the railroad in Detroit. One of the many wonderful philosophies my guest believes in is that she believes that she chose her mother for "my soul's development."  In other words, she continues, "my soul had reasoning and she was the perfect mother for me. We are together for a reason, admits Dr. Lyons.Gertrude also shares stories of the process of writing her book as well as being brave when coming to choosing the title of her book, etc.About The BookIn Rewrite the Mother Code, Dr. Gertrude Lyons challenges the limiting beliefs and expands the concepts around what it is to be a mother. Through the pages of this book, Lyons blurs the lines that pigeonhole women into limited roles that ultimately disempower them. Rather than operating within a narrow conception of what mothering is, she invites readers to open themselves up to what is possible and see the truth: that all women mother, and that mother energy is accessible to all of us-including men. Rewrite the Mother Code is a celebration of motherhood, bringing spirituality and community back into the experience and empowering women to be what they truly are, the ultimate creators.What it would be like if it was a commonly held tradition for the wise women in our Western culture to support women through the mothering process? What if children were raised by the community and not the isolated responsibility of one or two caregivers? What if all women were united as mothers and gave their full support to each other's mothering choices? Rewrite the Mother Code not only envisions this world of conscious conception, pregnancy, and motherhood, but it also takes the reader into a movement that fulfills the ideals of a matriarchal-led mothering experience.These ideals can open the doors for women to not only take part in the abundance of the world, but also make sure everyone else experiences it. Rewrite the Mother Code explores a world in which mothers feel valued and intrinsically aware that fostering their well-being is the keystone for conscious and harmonious living on earth—a world where there are enough resources for everyone, all life is valued, and decisions are made with everyone's best interests in mind, not just a few. It's a world where mothers are revered for their abilities to create (even ones without their own children, who journey through motherhood in many creative ways), a place where we can tap into our intuition and truly follow it.Rewrite the Mother Code blurs the lines that pigeonhole women into limited roles that ultimately disempower them. Rather than operating with a narrow conception of what mothering is, it invites you to open yourself up to what is possible when you realize that all women mother, and that mother energy is accessible to all of us—including men.In Rewrite the Mother Code, Dr. Gertrude Lyons shares her vast expertise, using her doctoral degree in education, combined with her degrees in psychology, transformational leadership, and her two decades as a coach for families, couples, and individuals. She has traveled the world and had spiritual experiences across the globe, which she brings into her work and writing.Each chapter of Rewrite the Mother Code has thoughtfully tailored reflections, meditations, and rituals to help women get in touch with their innate mother wisdom and strength. This book is a ceremony and celebration of all forms of motherhood, one that collectively births a new revolution of empowered and embodied living.SOCIAL MEDIA LINKSInstagram:LINKEDIN:Gertrude Lyons, MA, EdD, PCCView Gertrude Lyons, MA, EdD, PCC's profileYOUTUBE:https://www.youtube.com/@rewritethemothercodeWEBSITE:DrGertrudeLyons.comGENERAL TOPIC:              Reshaping Mom Myths and Reparenting OurselvesFREE RESOURCE:            Sign up for her mailing list and Order her book  "Should Have Listened To My Mother" is an ongoing conversation about mothers/female role models and the roles they play in our lives. Jackie's guests are open and honest and answer the question, are you who you are today because of, or in spite of, your mother and so much more. You'll be amazed at what the responses are.Gina Kunadian wrote this 5 Star review on Apple Podcast:SHLTMM TESTIMONIAL GINA KUNADIAN JUNE 18, 2024“A Heartfelt and Insightful Exploration of Maternal Love”Jackie Tantillo's “Should Have Listened To My Mother” Podcast is a treasure and it's clear why it's a 2023 People's Choice Podcast Award Nominee. This show delves into the profound impact mother and maternal role models have on our lives through personal stories and reflections.Each episode offers a chance to learn how different individuals have been shaped by their mothers' actions and words. Jackie skillfully guides these conversations, revealing why guests with similar backgrounds have forged different paths.This podcast is a collection of timeless stories that highlight the powerful role of maternal figures in our society. Whether your mother influenced you positively or you thrived despite challenges, this show resonates deeply.I highly recommend “Should Have Listened To My Mother” Podcast for its insightful, heartfelt and enriching content.Gina Kunadian"Should Have Listened To My Mother" would not be possible without the generosity, sincerity and insight from my guests. In 2018/2019, in getting ready to launch my podcast, so many were willing to give their time and share their personal stories of their relationship with their mother, for better or worse and what they learned from that maternal relationship. Some of my guests include Nationally and Internationally recognized authors, Journalists, Columbia University Professors, Health Practitioners, Scientists, Artists, Attorneys, Baritone Singer, Pulitzer Prize Winning Journalist, Activists, Freighter Sea Captain, Film Production Manager, Professor of Writing Montclair State University, Attorney and family advocate @CUNY Law; NYC First Responder/NYC Firefighter, Child and Adult Special Needs Activist, Property Manager, Chefs, Self Help Advocates, therapists and so many more talented and insightful women and men.Jackie has worked in the broadcasting industry for over four decades. She has interviewed many fascinating people including musicians, celebrities, authors, activists, entrepreneurs, politicians and more.A big thank you goes to Ricky Soto, NYC based Graphic Designer, who created the logo for "Should Have Listened To My Mother".Check out our website for more background information: https://www.jackietantillo.com/Or more demos of what's to come at https://soundcloud.com/jackie-tantilloLink to website and show notes: https://shltmm.simplecast.com/Or Find SHLTMM Website here: https://shltmm.simplecast.com/Listen wherever you find podcasts: https://www.facebook.com/ShouldHaveListenedToMyMotherhttps://www.facebook.com/jackietantilloInstagram:https://www.instagram.com/shouldhavelistenedtomymother/https://www.instagram.com/jackietantillo7/LinkedIn:https://www.linkedin.com/in/jackie-tantillo/YOUTUBE: https://www.youtube.com/@ShouldHaveListenedToMyMother

Nationally known business leaders and those in the state take part in a summit to address moving the Magnolia State's economy forward, which also means combating "Brain Drain."Then, we talk with a photographer who is the first to win a new category in a prestigious national award. He captured the devastation and rebuilding in Rolling Fork after an EF-4 Tornado decimated the community.Plus, a grocery store owner in Alabama braces for cuts to SNAP benefits he says will hurt small independent grocers. More about that ahead. Hosted on Acast. See acast.com/privacy for more information.

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

Ep. 904 - Ask head coach Jonathan Gannon about expectations for the upcoming season or what a successful year looks like and he answers that he's process driven, emphasizing how his team just has to improve daily. The expectations, though, for 2025 are real. And not just locally. Nationally as well. Omar Ruiz of the NFL Network joined Craig Grialou and Dani Sureck following Sunday's training camp practice at State Farm Stadium. Among the topics discussed were the Kyler Murray-Marvin Harrison Jr. connection, a much-improved defense – at least on paper – and where the Cardinals are positioned within the rest of the NFC West. Also, Craig and Dani discuss the season-ending knee injury for Starling Thomas; what it means for him and what it means for the team.See omnystudio.com/listener for privacy information.

Ep. 904 - Ask head coach Jonathan Gannon about expectations for the upcoming season or what a successful year looks like and he answers that he's process driven, emphasizing how his team just has to improve daily. The expectations, though, for 2025 are real. And not just locally. Nationally as well. Omar Ruiz of the NFL Network joined Craig Grialou and Dani Sureck following Sunday's training camp practice at State Farm Stadium. Among the topics discussed were the Kyler Murray-Marvin Harrison Jr. connection, a much-improved defense – at least on paper – and where the Cardinals are positioned within the rest of the NFC West. Also, Craig and Dani discuss the season-ending knee injury for Starling Thomas; what it means for him and what it means for the team.See omnystudio.com/listener for privacy information.

Nationally syndicated financial columnist and author Terry Savage joins John Williams to talk about how how the market has performed since President Trump’s tariff announcement, what that market swing means for your 401(k), why it’s a good time to revisit your asset allocation, and what it means that 401(k) plans have caught the eye of Wall Street insiders. […]

Rising supply and falling demand is pushing down rents. New Cotality analysis of MBIE data shows the national median rent dropped 0.3% in the year to May. That's the first time the rent has dropped in more than 15 years. Aspire Property Management's Managing Director Mike Atkinson told Mike Hosking housing supply is increasing at the same time incomes are falling in real terms. He says there's also been a huge drop-off in net migration, with fewer people coming into the country. However, there could be some good news on the way for landlords. Atkinson says things should pick up over summer, when migration typically increases. LISTEN ABOVE See omnystudio.com/listener for privacy information.

This is the story of a small  Carpatho-Rusyn woman, who became know as Andy Warhol's mother. Ulia Zavacka ( pronounced Zavatski), was one of a very large farming family whose homeland today is in the North Eastern Slovakia. Today the general Rusyn population stretches across what is five European countries, including Ukraine, Slovakia, Romania, Hungary and Poland. Officials say that at the turn of the 20th century, approximately 250,000 Ruthenians, as they were known to US Immigration officials, emigrated to America where they worked in coal mines and steel mills of the northeast. Many settled in the Pittsburg. PA area. Rusyns spoke east slavic dialects that used the Cyrillic alphabet. Elaine and I spoke a lot about the similarities of both women. Julia followed her husband to America eventually having three sons and not speaking much English.  Nancy, Elaine's mother, had a huge advantage and was born in the United States and spoke two languages at a young age. Both women had Carpatho-Rusyn backgrounds. It was a tough time to raise a family especially in the Pittsburgh area yet Andy's father was a good business man and was able to put some money away for Andy  to go to college. Elaine shares stories of her mother moving to New York City at age of thirteen in order to help her family financially as a housekeeper/nanny/servant, as you'll hear Elaine tell the story. By moving to NYC, Nancy met her future husband who has a similar background as she. Keep in mind, that making money to help the family put food on the table was way more important than any kind of education.  Nancy eventually married a coal miner from Pennsylvania and fellow Rusyn which was comforting to her. Both of these families had lingering effects of being immigrants and children of immigrants. Of parents parenting similarly as to how they had been parented.  They had a lot to overcome and it can take decades if not generations to assimilate.Elaine's academic studies where shocking to her parents. They couldn't really understand why she continued with higher education because that was very foreign to both of them.And course, Andy went to what's now known as Carnegie Mellon University in Pittsburgh and completed a Bachelor of Fine Art Degree in 1949.Julia was an artist of her own right. She was very creative especially when she was younger and in her home country. So much of her artistic talent influenced Andy and they worked closely together on projects for many years as she lived in Manhattan with Andy for almost twenty years. Julia was featured in his artistic projects with his coworkers on a regular basis.https://www.warhol.org/andy-warhols-life/ SHLTMM YOUTUBE CHANNEL LINK:https://www.youtube.com/watch?v=F_BmWJpLNvAElaine Rusinko INSTAGRAM: rusinko17 Other Carpatho-Rusyn Related Social Media: FB: Carpatho-Rusyns Everywhere, The Lost Warhols by Karen Bystedt, Carpatho-Rusyn Society, Carpatho-Rusyn Society's Heritage Radio Program, Carpatho-Rusyn Research Center, The Andy Warhol Museum, rusyn.sk/Rusini Slovenska IG: rusinko17, warholfoundation, carpathorusynsociety_, rusynart, carpatho_rusyns_of_pa, thewarholmuseum For more information about Elaine Rusinko and her Book "Andy Warhol's Mother, The Woman Behind the Artist, contact Lesley Rains at "The Pittsburgh University Press Email: LRAINS@upress.pitt.edu  "Should Have Listened To My Mother" is an ongoing conversation about mothers/female role models and the roles they play in our lives. Jackie's guests are open and honest and answer the question, are you who you are today because of, or in spite of, your mother and so much more. You'll be amazed at what the responses are.Gina Kunadian wrote this 5 Star review on Apple Podcast:SHLTMM TESTIMONIAL GINA KUNADIAN JUNE 18, 2024“A Heartfelt and Insightful Exploration of Maternal Love”Jackie Tantillo's “Should Have Listened To My Mother” Podcast is a treasure and it's clear why it's a 2023 People's Choice Podcast Award Nominee. This show delves into the profound impact mother and maternal role models have on our lives through personal stories and reflections.Each episode offers a chance to learn how different individuals have been shaped by their mothers' actions and words. Jackie skillfully guides these conversations, revealing why guests with similar backgrounds have forged different paths.This podcast is a collection of timeless stories that highlight the powerful role of maternal figures in our society. Whether your mother influenced you positively or you thrived despite challenges, this show resonates deeply.I highly recommend “Should Have Listened To My Mother” Podcast for its insightful, heartfelt and enriching content.Gina Kunadian"Should Have Listened To My Mother" would not be possible without the generosity, sincerity and insight from my guests. In 2018/2019, in getting ready to launch my podcast, so many were willing to give their time and share their personal stories of their relationship with their mother, for better or worse and what they learned from that maternal relationship. Some of my guests include Nationally and Internationally recognized authors, Journalists, Columbia University Professors, Health Practitioners, Scientists, Artists, Attorneys, Baritone Singer, Pulitzer Prize Winning Journalist, Activists, Freighter Sea Captain, Film Production Manager, Professor of Writing Montclair State University, Attorney and family advocate @CUNY Law; NYC First Responder/NYC Firefighter, Child and Adult Special Needs Activist, Property Manager, Chefs, Self Help Advocates, therapists and so many more talented and insightful women and men.Jackie has worked in the broadcasting industry for over four decades. She has interviewed many fascinating people including musicians, celebrities, authors, activists, entrepreneurs, politicians and more.A big thank you goes to Ricky Soto, NYC based Graphic Designer, who created the logo for "Should Have Listened To My Mother".Check out our website for more background information: https://www.jackietantillo.com/Or more demos of what's to come at https://soundcloud.com/jackie-tantilloLink to website and show notes: https://shltmm.simplecast.com/Or Find SHLTMM Website here: https://shltmm.simplecast.com/Listen wherever you find podcasts: https://www.facebook.com/ShouldHaveListenedToMyMotherhttps://www.facebook.com/jackietantilloInstagram:https://www.instagram.com/shouldhavelistenedtomymother/https://www.instagram.com/jackietantillo7/LinkedIn:https://www.linkedin.com/in/jackie-tantillo/YOUTUBE: https://www.youtube.com/@ShouldHaveListenedToMyMother

Nationally syndicated financial columnist and author Terry Savage joins Steve Dale, filling in for Lisa Dent, to discuss Federal Reserve Chair Jerome Powell and his relationship with Donald Trump. Then, Savage shares some updates about the stock market.

WBBM's Carolina Garibay chats with 12-year-old Jade Lee, who recently won a national essay contest about youth violence. She wrote about the impacts of being forced to face violence at such a young age.

Two Virginia towns have voted to stop adding fluoride to their water supply, citing cost savings between $10,000 and $20,000 each year. Nationally, the Environmental Protection Agency said in April that it's begun a review of the practice's safety. Dave Cantor has more.

WBBM's Carolina Garibay chats with 12-year-old Jade Lee, who recently won a national essay contest about youth violence. She wrote about the impacts of being forced to face violence at such a young age.

WBBM's Carolina Garibay chats with 12-year-old Jade Lee, who recently won a national essay contest about youth violence. She wrote about the impacts of being forced to face violence at such a young age.

Kusi Foods Hot Sauces Review INTRO:  Welcome to the award winning, Nationally syndicated My Big Fat Bloody Mary podcast where you will never drink alone. Hope your Sunday is a Fun Day! Special hello to our new listeners! We are coming to you from the studios of the Bloody Mary …

In the Best of the Cubs this week, general manager Carter Hawkins joined the Rahimi & Harris Show to discuss the team's strong first half and mindset as the trade deadline looms; Matt Spiegel and Laurence Holmes listened to the origin story of star center fielder Pete Crow-Armstrong as told by a GQ writer; Leila Rahimi and Marshall Harris discussed how Diamondbacks third baseman Eugenio Suarez would be a quality addition for the Cubs on the trade market, but at what cost?; and WEEI host and Baseball Isn't Boring podcast host Rob Bradford explained how Crow-Armstrong is resonating nationally.

In the Best of the Cubs this week, general manager Carter Hawkins joined the Rahimi & Harris Show to discuss the team's strong first half and mindset as the trade deadline looms; Matt Spiegel and Laurence Holmes listened to the origin story of star center fielder Pete Crow-Armstrong as told by a GQ writer; Leila Rahimi and Marshall Harris discussed how Diamondbacks third baseman Eugenio Suarez would be a quality addition for the Cubs on the trade market, but at what cost?; and WEEI host and Baseball Isn't Boring podcast host Rob Bradford explained how Crow-Armstrong is resonating nationally.

In the Best of the Cubs this week, general manager Carter Hawkins joined the Rahimi & Harris Show to discuss the team's strong first half and mindset as the trade deadline looms; Matt Spiegel and Laurence Holmes listened to the origin story of star center fielder Pete Crow-Armstrong as told by a GQ writer; Leila Rahimi and Marshall Harris discussed how Diamondbacks third baseman Eugenio Suarez would be a quality addition for the Cubs on the trade market, but at what cost?; and WEEI host and Baseball Isn't Boring podcast host Rob Bradford explained how Crow-Armstrong is resonating nationally.

In the Best of the Cubs this week, Matt Spiegel and Laurence Holmes listened to the origin story of star center fielder Pete Crow-Armstrong as told by a GQ writer; Leila Rahimi and Marshall Harris discussed how Diamondbacks third baseman Eugenio Suarez would be a quality addition for the Cubs on the trade market, but at what cost?; Spiegel and Holmes discussed how the Cubs and Red Sox organizations intersect in more ways than one; and WEEI host and Baseball Isn't Boring podcast host Rob Bradford explained how Crow-Armstrong is resonating nationally.

Nationally recognized psychiatrist, internist, and addiction medicine specialist Muhamad Aly Rifai discusses his article, "How deep transcranial magnetic stimulation is transforming mental health care." He shares his experience with deep TMS (dTMS), a non-invasive neuromodulation therapy that offers rapid relief for patients with severe depression, OCD, and other conditions that have resisted conventional treatment. Muhamad explains how recent accelerated protocols can condense weeks of therapy into a single five-day period, achieving remission rates as high as 79 percent. Contrasting this with the slow progress and side effects of many medications, he highlights the safety of dTMS, which requires no anesthesia and does not cause memory impairment like ECT. Through powerful patient stories, the conversation serves as a call to action for clinicians, patients, and policymakers to overcome insurance barriers and lack of awareness, advocating for a new standard of care where rapid, profound healing is not just an aspiration, but a reality. Careers by KevinMD is your gateway to health care success. We connect you with real-time, exclusive resources like job boards, news updates, and salary insights, all tailored for health care professionals. With expertise in uniting top talent and leading employers across the nation's largest health care hiring network, we're your partner in shaping health care's future. Fulfill your health care journey at KevinMD.com/careers. VISIT SPONSOR → https://kevinmd.com/careers Discovering disability insurance? Pattern understands your concerns. Over 20,000 doctors trust us for straightforward, affordable coverage. We handle everything from quotes to paperwork. Say goodbye to insurance stress – visit Pattern today at KevinMD.com/pattern. VISIT SPONSOR → https://kevinmd.com/pattern SUBSCRIBE TO THE PODCAST → https://www.kevinmd.com/podcast RECOMMENDED BY KEVINMD → https://www.kevinmd.com/recommended

Matt Spiegel and Laurence Holmes were joined by WEEI host and Baseball Isn't Boring podcast host Rob Bradford to share his takeaways from the All-Star Game and to discuss how Cubs center fielder Pete Crow-Armstrong's breakout season is resonating nationally.

In the second hour, Matt Spiegel and Laurence Holmes discussed how Chicago baseball players fared in the All-Star Game on Tuesday evening. After that, WEEI host and Baseball Isn't Boring podcast host Rob Bradford joined the show to share his takeaways from the All-Star Game and to discuss how Cubs center fielder Pete Crow-Armstrong's breakout season is resonating nationally.

Nationally syndicated financial columnist and author Terry Savage joins Lisa Dent to discuss the 2026 Social Security cost-of-living adjustment (COLA), which is forecasted to rise by 2.6% due to inflation and new tariffs. Savage explains how the increase may be overshadowed by an expected 11.8% hike in Medicare Part B premiums and what these changes could mean […]

Nationally syndicated financial columnist and author Terry Savage joins Bob Sirott to talk about how we are still unsure of how tariffs will impact the economy and why the Fed will most likely not cut interest rates. She also shares details about the increased consumer prices and an update on today’s stock futures.

The 94 WIP Morning Show kicks off with Joe DeCamara and Jon Ritchie reacting to national rankings that undervalue Eagles quarterback Jalen Hurts. Is it fair to label him a “game manager,” or is Hurts being disrespected on a national level?

Deborah, Sophee's mother, "is in her own world and she's happy there and I come in and out of that world and that's ok," continues Payne who's never felt that she's had to live near  to her parents.  Payne is comfortable saying, "I care for them deeply, I just feel that closeness to them is not a priority."  A Florida native, now living in Vancouver, CA,  Sophee is happily ensconced in her full time career, helping other's fulfill their dreams.After six years, getting straight A's and doing all that she was 'supposed to do,'  completing her bachelors degree and getting a Master's Degree in Industrial Design, she realized that she wasn't happy. My guest loved the design work but really missed the one one one interaction with people. After watching her mother struggle in an attempt  to start her own business and fail, Sophee felt so much 'self doubt' that she never thought she'd be capable of  starting her own.  Again, interesting dynamics between the two women often got in the way. Payne feels that her mom likes having people around so they can do things for her that she doesn't necessarily like to do. "She demands a lot from the people closest to her," admits Sophee. "I think of her as a sun, even from a distance I can feel this warmth, she gives direction, but at the same time, the closer you get the more uncomfortably warm you get  and also the more you're kind of forced to evolve around her," reflects Payne.Sophee is comfortable saying what works for her now regarding her relationship with her mom.  It's about "showing my mom compassion, compassion with boundaries." WEBSITE: BEST LIFE COACH COLLECTIVEhttps://bestlifecoachcollective.com/coach/sophee-payne/ WEBSITE:https://www.sopheepayne.com/Hi, I'm sophee.connect with me hereI'm an ICF-accredited, international career coach based in Vancouver, Canada and Seattle who uses positive psychology, ontology, and strength-based analysis to help people identify what they are looking for — and how to find long-term happiness, growth and fulfillment in their professional and personal lives.I have worked with people from Seattle to Shanghai, and my international career counseling practice is multidisciplinary and champions people of all backgrounds. It doesn't matter who you are because if you're willing to do the work, career counseling will give you the career of your dreams.Want to connect? Apply for a complimentary 25-minute intro call! Discover Morehttps://www.instagram.com/sopheepaynecareercoaching/https://www.sopheepayne.com/bloghttps://www.tiktok.com/@purposewithmoney "Should Have Listened To My Mother" is an ongoing conversation about mothers/female role models and the roles they play in our lives. Jackie's guests are open and honest and answer the question, are you who you are today because of, or in spite of, your mother and so much more. You'll be amazed at what the responses are.Gina Kunadian wrote this 5 Star review on Apple Podcast:SHLTMM TESTIMONIAL GINA KUNADIAN JUNE 18, 2024“A Heartfelt and Insightful Exploration of Maternal Love”Jackie Tantillo's “Should Have Listened To My Mother” Podcast is a treasure and it's clear why it's a 2023 People's Choice Podcast Award Nominee. This show delves into the profound impact mother and maternal role models have on our lives through personal stories and reflections.Each episode offers a chance to learn how different individuals have been shaped by their mothers' actions and words. Jackie skillfully guides these conversations, revealing why guests with similar backgrounds have forged different paths.This podcast is a collection of timeless stories that highlight the powerful role of maternal figures in our society. Whether your mother influenced you positively or you thrived despite challenges, this show resonates deeply.I highly recommend “Should Have Listened To My Mother” Podcast for its insightful, heartfelt and enriching content.Gina Kunadian"Should Have Listened To My Mother" would not be possible without the generosity, sincerity and insight from my guests. In 2018/2019, in getting ready to launch my podcast, so many were willing to give their time and share their personal stories of their relationship with their mother, for better or worse and what they learned from that maternal relationship. Some of my guests include Nationally and Internationally recognized authors, Journalists, Columbia University Professors, Health Practitioners, Scientists, Artists, Attorneys, Baritone Singer, Pulitzer Prize Winning Journalist, Activists, Freighter Sea Captain, Film Production Manager, Professor of Writing Montclair State University, Attorney and family advocate @CUNY Law; NYC First Responder/NYC Firefighter, Child and Adult Special Needs Activist, Property Manager, Chefs, Self Help Advocates, therapists and so many more talented and insightful women and men.Jackie has worked in the broadcasting industry for over four decades. She has interviewed many fascinating people including musicians, celebrities, authors, activists, entrepreneurs, politicians and more.A big thank you goes to Ricky Soto, NYC based Graphic Designer, who created the logo for "Should Have Listened To My Mother".Check out our website for more background information: https://www.jackietantillo.com/Or more demos of what's to come at https://soundcloud.com/jackie-tantilloLink to website and show notes: https://shltmm.simplecast.com/Or Find SHLTMM Website here: https://shltmm.simplecast.com/Listen wherever you find podcasts: https://www.facebook.com/ShouldHaveListenedToMyMotherhttps://www.facebook.com/jackietantilloInstagram:https://www.instagram.com/shouldhavelistenedtomymother/https://www.instagram.com/jackietantillo7/LinkedIn:https://www.linkedin.com/in/jackie-tantillo/YOUTUBE: https://www.youtube.com/@ShouldHaveListenedToMyMother

Bubba Uncensored with Back with Lummy! All Killer No Filler. Listen to the ULTIMATE BTLS® ARCHIVE and BUBBA ARMY RADIO LIVE 24/7/365 on BUBBAARMYHQ.COM!Join the millions of listeners tuning in to the Nationally syndicated Bubba the Love Sponge Show® airing Monday through Friday from 6-10am EST. Hosted by the infamous Bubba the Love Sponge® this show is known for its outrageous humor, celebrity interviews, and controversial topics. With a loyal fan base and a reputation for pushing the boundaries, Bubba and his crew never fail to entertain.SEE THE BUBBA THE LOVE SPONGE® SHOW LIVE MONDAY-FRIDAY 6-10AM FREE: rumble.com/c/thebubbaarmySee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Register here for the live online event to learn about ‘Unlocking BRRRR Deals in Little Rock' on Thursday, 7/17. Keith discusses the rising cost of real estate, predicting that million-dollar homes will become common by 2033 due to: supply scarcity, demographic demand, inflation, and regulatory costs. Over half of U.S. states have cities with starter home prices over $1 million.  Hear about the challenges of investing in beach towns, citing rising insurance costs and maintenance expenses GRE Investment Coach, Naresh, joins the conversation to highlight the BRRRR strategy for income property investment. Resources: Register here for the live online event to learn about ‘Unlocking BRRRR Deals in Little Rock' on Thursday, 7/17. Show Notes: GetRichEducation.com/562 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  You get paid first: Text FAMILY to 66866 Will you please leave a review for the show? I'd be grateful. Search “how to leave an Apple Podcasts review”  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— text ‘GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Automatically Transcribed With Otter.ai    Keith Weinhold  0:01   Welcome to GRE. I'm your host. Keith Weinhold, million dollar homes will be normal by 2033 I'll discuss why and exactly where they'll be arriving. Why are more beach towns going bust? What's in the big, beautiful bill for real estate investors? Then how to own income property with just 10% equity in it today on get rich education.    Keith Weinhold  0:28   Mid South home buyers, I mean, they're total pros, with over two decades as the nation's highest rated turnkey provider. Their empathetic property managers use your ROI as their North Star. So it's no wonder that smart investors just keep lining up to get their completely renovated income properties like it's the newest iPhone. They're headquartered in Memphis and have globally attractive cash flows and A plus rating with the Better Business Bureau and now over 5000 houses renovated, there's zero markup on maintenance. Let that sink in, and they average a 98.9% occupancy rate, while their average renter stays more than three and a half years. Every home they offer has brand new components, a bumper to bumper, one year warranty, new 30 year roofs. And wait for it, a high quality renter. Remember that part and in an astounding price range, 100 to 180k I've personally toured their office and their properties in person in Memphis, get to know Mid South. Enjoy cash flow from day one. Start yourself right now at mid southhomebuyers.com that's mid south homebuyers.com.   Speaker 1  1:53   You're listening to the show that has created more financial freedom than nearly any show in the world. This is get rich education.   Keith Weinhold  2:10   Welcome to GRE from Palm Bay Florida to Palm Springs, California and across 188 nations worldwide, you are inside one of the longest running and most listened to shows on real estate investing. This is Get Rich Education. I'm your host. Keith Weinhold, I think you know that by now, you can also find my written work in both Forbes and the USA. Today, million dollar homes could be coming to right where you live only as the average home, a typical home. Best said is the million dollar median priced home. They're increasingly common across America. We're going to look at the exact areas where this is going to happen next, and why. Though, real estate prices are only up about 2% annually. This time, a plethora of forces are conspiring to push median American home prices ever higher to a million bucks by 2033 the reasons for ever higher future prices on a national basis are supply scarcity. Though, homes aren't as scarce as they were, say three years ago, incessant demographic demand, continued inflation, tariff pressures, heightened regulatory costs, the rate lock in effect remote work and a perpetual construction labor shortage that makes it easier to find a unicorn than, say, a good plumber out there. All these things are conspiring to push long term prices up, up, up, and sadly, this will make first time home buyer dreams, well only dreams, not a reality for so many Americans. CBS News recently called first time homebuyers an endangered species for this reason. Hmm. Then I wonder if the US Fish and Wildlife Service is now protecting these beleaguered, endangered first time homebuyers. Now the typical Canadian single family home costs 779,500 Canadian dollars today. And get this now, of course, some US regions will have rising prices, and others falling prices in the shorter term, although the general direction is up, but more than half of us, states, 28 out of 50, already have at least one city where the median price for a starter home, just a starter home, is a million dollars or more. This is per realtor.com economist. More than half of states have that condition. Now I want a starter home that's defined as 80% or less of the price of an area's median Well, here we go. It is not just trophy cities anymore that are on the precipice of the million dollar club. It's these moderately priced cities that are next in line, and one trend is that they're located near already expensive markets. For example, Stockton, California is two hours inland from San Francisco, and Stockton is best known for well being two hours from San Francisco. That's about it, all right. Well, here is the 2023 median price. And it's 2033 projection, only eight years away, really, just a little over seven years away. This is where we're going. All right, Boise, from 465k up to $1,163,000 million $163,000 Boston, from 623k to 992k and again, these are 2023 median home prices, and then what they're projected to be in 2033 as these million dollar homes become typical, just in these somewhat moderately priced. US areas, let's continue Colorado Springs. 455k up to $1,020,000 I've made two trips to Colorado Springs in the past two years. I really like it. They're really livable with a nice little airport Denver. 548k up to $1,297,000 Honolulu, 638k up to $1,144,000 Portland, 501k to more than doubling to $1,052,000 Sacramento, 558 up to over $1.1 million Salt Lake City, more than doubling from 493k up to $1,064,000 Seattle, 694k up to $1,486,000 and finally, the aforementioned their Stockton, California, 579k up to $1,447,000 million dollar homes are increasingly abundant into places that are surely Not trophy cities anymore. They're projected to come to all these places by 2033 and this is very realistic, because consider this, what will a million dollars even be worth in 2033 just a little more than seven years away, what will a million dollars even be worth then at 3% inflation, just $789,400 All right. Well, what should you do with this information? It gives you perspective, waiting is not helping get comfy with million dollar homes that are like just kind of all right? And here's the thing, a million dollar home that used to be like posh that used to come with a waterfront view or a celebrity neighbor, and today you just get a popcorn ceiling in a mysterious draft in some entire counties, like I've told you before, in San Mateo County, California, the median home price is already over $2 million just an average home county wide. And I also mentioned to you that there's another California County, Santa Clara, California, where the median price is over $2 million but there are more Nantucket, Massachusetts, Pitkin, Colorado and Teton County, Wyoming, all over $2 million county wide. I mean, in places like this, a million dollar home is a gut job. I mean, it needs a renovation. In these places, a million dollar home costs less than half of the county median. So therefore it is so broken down that you might not even be able to get a conventional loan for that property. And notice that the Sun Belt is not on any of these lists for now, despite its growth, there's still vast land and cheaper housing there the southeast and the Midwest, they still feel like America's affordable housing frontier. But you've got to wonder, for how long and what else does this continued low affordability mean? It's the American. Emerging trend that few people see coming, but we've talked about here, it's that common tidal wave, this horde of new renters that are coming, priced out of million dollar homes. Your renters are coming, and what does this mean for you? Well, consider owning low cost rental property in those low cost parts of the nation. We help you do that here, completely free, at GRE investment coach.com a tidal wave of future renter demand means higher rents and higher occupancy rates. Your renters are coming.   Keith Weinhold  10:39   now, last week, on the show, I discussed the Airbnb arms race, how short term rentals really need a serious glow up and some major investment to compete in a lot of markets anymore. This week, let's discuss the trends in another real estate niche that's largely fallen on some harder times, and that is investing in beach town, something that might be more top of mind for us, as we are here in mid summer. The very best beach town for a bikini slim budget is Pascagoula, Mississippi, a gulf shore escape, where the typical listing will run you a mere 166k can you believe that now this gulf coast town of 22,000 people, it is somewhat of an aberration, though, be careful, Pascagoula is affected by a FEMA rule that really limits the amount of renovation that you can do there? Atlantic City, New Jersey, it's another beach town with a jaw droppingly Low typical list price of 242k yeah. Atlantic City, AC is the name long synonymous with gambling and Trump property port. Ritchie, Florida is another notably cheap beach town with just a 255k typical list price. And it's notable because back in 2019 GRE did a real estate field trip there where I and the property provider and a few speakers, we hosted you, and then we toured properties together in a coach, a tour bus, but those neighborhoods were actually about two miles inland, Myrtle Beach, South Carolina, still just 299k. Corpus Christi, Texas and Ocean City, Maryland, are two more notably cheap beach towns now, especially after talking about the million dollar homes and then you hearing about these cheap beach towns. You might be wondering, gosh, should I buy property for cheap in these beach towns? But, you know, buying the beach house is just the start. Rising. Insurance costs and maintenance costs have forced a lot of investors to question whether beach homes are too big of a gamble now with a few investor profiles here were interviewed first Levi Rogers, a retired Green Beret and a real estate broker in San Antonio, he recently shared how his property on the Gulf Coast went from $3,200 a year for insurance to over $11,000 and that's if you can even get coverage without bizarre exclusions, throw in new flood zone Redeterminations and wild HOA fee hikes due to inflation, and your profits are wiped out in an instant. That's what Levi Rogers says about his particular situation. Honestly, coastal property makes me more nervous than my first Million Dollar Listing. Despite loving beachfront real estate, that's what Los Angeles real estate agent Wesley Kang says he's seen changes that would shock most investors. Insurance costs broke another record at his Marina del Rey listing the owner just got hit with a $68,000 annual premium up from 15k last year, while his neighbor, two blocks inland, pays just 7k so in addition to hurricanes and slow and steady beach erosion, that has caused some homes to simply collapse and fall into the sea. Kang, the Los Angeles real estate agent, said his Malibu client just spent his entire summer rental income on mandatory seawall repairs. Another had to install $100,000 worth of water barriers just to keep his insurance. So is a beach home a good investment? Well, owning it really is not the easy, dreamy investment that it used to be. There are some investors that still think it's worth it, but they need to change their strategy. Roger said that he hasn't sold yet. He just. Had to adapt. That's the San Antonio real estate broker. He cut his rental period down to only the high season months. Raised his rates by 22% just totally ended low season bookings, and he promoted high end upgrades to make the numbers work. He says you have to run it like a hospitality business now, not a passive rental, so the ROI can still be there, but only if you're really on top of it, actively managing risk and costs and the guest experience. Otherwise, what you're doing is that you are just financing someone else's vacation. And this is along the lines of what I was discussing last week with short term rentals in general. Real Estate Investor Daniel Roberts, based in Idaho, he says beach properties are now riskier. He has reinvented his approach to stay solvent. He says we improved our rental by presenting the property as a luxury destination, adding concierge services with dining and boat tours and even fitness sessions. With this rental arrangement, we earned 18% more on rental income last year compared to the previous year, is what he says. However, still, our profits have decreased a little since we now pay so much more each month for insurance and for maintenance, if you're shopping for a beach house and hoping for a deal, it might pay to search a bit inland for cheaper properties and insurance rates, and then it's not really a beach house anymore. Elevation is your friend. Certain oceanfront areas are experiencing a steep drop in some places like Florida. I mean, can you buy the dip if you're looking for opportunities in investor areas like Florida, which saw a huge run up of people heading there during the pandemic, but their jobs require them to return to the office. If you're in the market for a vacation property that you can rent out and possibly use as a second home. There are beginning to be more and more choices. So the bottom line here is that many beach towns are in a bust. Their profitability is under attack, chiefly from these insurance premiums that have as much as 3x or more for many in the past three or four years, Hoa costs are up due to inflation, and then there's just simply the threat of more storms and more beach erosion, and just the stress and concern that causes even outside of the insurance cost, short term rentals tend to be right on the coast or A short walk from the beach. The best long term rentals tend to be inland, inland. Long term rentals are long where we have focused here on this show, and they tend to be stable and steady and frankly, kind of boring, but somehow boring in an interesting way, if that's possible, they plod along paying you five ways.    Keith Weinhold  18:05   Hey, is get rich education the number one real estate investing podcast in America. Are we number one? I've got an answer for you on an upcoming episode. It looks like the big, beautiful bill that was signed into law on the Fourth of July will be advantageous for real estate investors. It extends a lot of Trump's 2017, tax cuts and Jobs Act. There are modifications to opportunity zones in the big, beautiful bill. But the big story is that 100% bonus depreciation has been restored, reset, huge that applies to qualified property placed in service from January 20, 2025 through the end of 2029 now is the Time to accelerate acquisitions and renovations to leverage 100% bonus depreciation. I mean, this is great for investors. And what this does is it allows you to fully deduct the cost of qualifying renovations, property improvements and certain building components immediately, instead of you, having to spread the deductions out over several years. Major however, the big, beautiful bill does not do much of anything to help those beleaguered first time homebuyers that endangered species. In fact, in a previous version of the bill, it was going to open up millions of acres of public lands for new development. Now, if that happened, that could have added more housing supply and therefore kept home prices from perpetually rising, and therefore maybe helped first time home buyers. But that provision was removed from the bill before it got passed. All right, so those public. Lands will not be developed. That was not part of this bill, and that's a quick overview of what Trump's big, beautiful Bill means to real estate investors. To review what you've learned so far. Today, million dollar homes are coming to more places, and that's due to supply scarcity, demographic demand, incessant inflation, tariff pressures, heightened regulatory costs, the rate lock in effect, remote work and a perpetual construction labor shortage. More beach town properties are going bust due to surging property insurance costs and the big beautiful Bill has some serious positives for real estate investors, but not for first time home buyers.    Keith Weinhold  20:45   There is a lot happening here at GRE we, including me and our investment coaches here, are talking with you, our investors. We're talking with the nation's top property providers, as we always do, and there's just a lot of real estate news. How can you follow us to keep up on all this? Well, there are three main ways, and they're all free. There's no subscription cost. That is, firstly, through this show, the get rich education podcast. Secondly, our YouTube channel called get rich education. Yes, we are consistently branded. And the third main way to follow us is with our Don't quit your Daydream newsletter. Sign Up Free by texting GRE to 66 866, that's text GRE to 6668 66 and there you go. They're in they are the three main ways to follow us, podcast, YouTube channel and newsletter, and then also our social media channels, get rich education can be found at all the usual places, Facebook, Instagram, Tiktok and x, but our handle is Get Rich ed on x because there is a character count limit there. That's how to follow us. You can find our recommended property providers at GRE marketplace when you're getting actionable, and then to engage with us for a free strategy session to learn your goals and really put you on a financially free trajectory. You can do that with our investment coaches directly book time on their calendar at GRE investment coach.com   Keith Weinhold  22:25   what is happening with the future of the Fed and interest rates, and how can you put as little as 15% even 10% down on an income property? That's next. I'm Keith Weinhold. You're listening to get rich education    Keith Weinhold  22:39   the same place where I get my own mortgage loans is where you can get yours. Ridge lending group and MLS, 42056, they provided our listeners with more loans than anyone because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage. Start your pre qual and even chat with President Caeli Ridge personally, while it's on your mind, start at Ridge lendinggroup.com. That's Ridge lendinggroup.com.   Keith Weinhold  23:11   You know what's crazy? Your bank is getting rich off of you. The average savings account pays less than 1% it's like laughable. Meanwhile, if your money isn't making at least 4% you're losing to inflation. That's why I started putting my own money into the FFI liquidity fund. It's super simple. Your cash can pull in up to 8% returns and it compounds. It's not some high risk gamble like digital or AI stock trading. It's pretty low risk, because they've got a 10 plus year track record of paying investors on time in full every time. I mean, I wouldn't be talking about it if I wasn't invested myself. You can invest as little as 25k and you keep earning until you decide you want your money back. No weird lockups or anything like that. So if you're like me and tired of your liquid funds just sitting there doing nothing, check it out. Text family 266, 866, to learn about freedom. Family investments, liquidity fund again. Text family to 66 866   Naresh Vissa  24:21   you this is peak prosperity. Chris Martenson, listen to get rich education with Keith Weinhold, and don't quit your Daydream.   Keith Weinhold  24:42   It's terrific to have a familiar voice back on the show. It's an in house discussion with our own GRE investment coach since 2021 he's met with you, usually over zoom or the phone completely free to learn your own personal goals. Find the market that's right for you. Two. And he even goes as far as helping connect you with the exact property address that would make your next real estate pays five ways property, like say, you find 654, Maple Street in Little Rock, Arkansas or Indianapolis, Indiana. For you, he helps you through it all. And then he even helps you if you have any trouble after owning the income property. He's got the formal education with his MBA, and he walks the talk because he's a direct real estate investor, just like I am. Hey, welcome back to the show investment coach Naresh Vissa.   Naresh Vissa  25:32   thanks for having me back on. It's always a pleasure to talk to you and the loyal GRE listenership that we have. I think   Keith Weinhold  25:40   we enjoy talking to each other more than President Donald Trump and Fed Chair Jerome Powell do for sure. And I think if anyone's been paying any attention, there's been quite a feud between Trump and Powell, and it's been pretty entertaining. Trump has referred to Powell as Mr. Too late, like too late to make a decision. He has called Powell a numbskull. He has said Powell has a low IQ for what he does. That drama has been really interesting now. Powell's term ends in May of next year, so about 10 months from now. And I think most anyone knows that Trump wants an interest rate cut badly, but Powell keeps holding tight, and what Trump says is that he wants to lower the interest costs on our national debt. That's the reason that Trump gives for lowering the rates. But Powell's been reluctant to lower rates because it might stoke inflation. In reality, I suspect that Trump wants lower rates just to juice economic growth, like that's the real reason, and then Trump sort of hopes that inflation only catches up with the next president who comes in in 2029 and interestingly, back on July 1, Jerome Powell said, if it weren't for tariffs, he would have already lowered rates. What are your thoughts?   Naresh Vissa  26:55   Well this is a lot more complicated than it seems, and here's why Trump called Powell a lot of names, and I think some of those names hold true if we go back to when Biden was president, because it was in April, May 2021, that I was saying, hey, it's time to start increasing the interest rates, because inflation was going up significantly, very quickly, it was going up. And if you recall, Keith, I know you did many episodes on this, Powell kept saying, Oh, this is transitory. It's just transitory. And my whole justification was, well, look, a 25 basis point hike ain't gonna kill anybody. And they refused to do it for an entire year. Once we started seeing inflation going up. And by that point, inflation went up close to 10% that's how bad it got. That's it didn't hit the double digits, but it was very close to hitting the double digits. So yes, I do think Powell was a numbskull for not raising the rates back in 2021 but today I'm actually on Powell's side, because there are still inflationary pressures. And remember, Keith, the inflation target is 2% it's not two and a half percent. They haven't moved the goalposts. It's still 2% and last month, this is the media is not talking about this, except for get rich education today, inflation went up last month. So yes, it beat expectations, but it still went up. The expectations were that the terrorists were going to create this massive inflation and we would be back up at the three handle. And it didn't do that. But regardless, inflation still went up. So let's wait. Let's see what the CPI numbers show. I don't think we're going to be close. I don't think we're going to be under that 2% figure within the next two months, and that's why I think Powell is justified in holding to rate study. Now, with that being said, I do think because of Doge, we did an episode earlier this year on Doge, because of Doge, because of the latest ADP job numbers, the latest unemployment numbers, the private sector cuts that are happening at Microsoft and Google and a lot of other big name companies. I do think that inflation will eventually dip below 2% you look at the gas prices have hit four year lows. Look at egg prices have hit, I think four year lows or three year lows. I do think we'll dip below the 2% at some point. The question is, is, when is it going to be? You know, three months from now? Is it going to be a year from now? It all depends. So what does that mean for your question of, is Powell right? Is he wrong? Is he a numbskull? Who's right? I completely understand what you said is why Trump wants the rates cut, and that is, he wants to juice everything because he looks great, and it's a midterm election year, next year, and he doesn't want to lose his Congress. And I understand the political side of it, but the number one issue, the number one issue, according to almost every poll out there before. Election, the number one issue on voters minds was inflation. It's had things. The bleeding has not stopped, and the inflation is out of control. The groceries are too expensive. That's what's important. And I'm on Powell's side here. I think you have to be patient. On the other hand, Trump is being very aggressive, and he's looking to replace Powell, and he's going to put in his guy in there. I mean, the basic requirement for the job is you're going to get in there and slash entry. You're not even going to do a 25 basis point cut. You're going to go down to 1% fed upon rates overnight. That's what Trump wants. I don't know if you saw that, but Trump wants a 1% Fed funds rate pretty much overnight, because he's saying, oh, is going to save us all this money on the debt that we're paying, interest payments and data I get where both of these guys are coming from. I think the ideal scenario, because Powell, it looks like he's safe until maybe the end of the year. I think we hit that 2% point, definitely by the end of the year, and Powell will start cutting in September, we'll see a 25 that's what I think. I think we'll see a 25 basis point cut in September, maybe a 50 basis point cut in the next meeting after that, and and maybe even a 75 basis point cut in December. And that way, when the new guy comes in, he doesn't have to do this drastic COVID March, 2020, type of cut, of slashing rates close to zero overnight. We do it in a gradual I think that would be better for the country and for the economy and for the global economy. So that's where I see things. But regardless, regardless, we know for a fact that the interest rates, the cutting is beginning soon, and the rates are going to be very low sometime next year, if not by the end of next year, we know for a fact that the rates are going to be very, very low. And what that means for the housing market is that, and let's talk about the housing market really quickly, the inventory in the housing market is the supply side is very high. This is not 2021 2022 when homes are flying off the shelves and people were paying above asking price for homes. We're in a situation where the inventory has piled up. Home values have somewhat stagnated. If rates are going to bottom next year, then buying real estate. I don't want to say I'm not calling a bottom, but I'm saying that you can expect real estate home values to skyrocket once rates hit that 1% because of the Fed funds rate. So right now, we're seeing demand from investors because they're thinking what I'm saying, hey, the Fed is going to slash. We know that for sure because of Trump. And when that happens, institutions, individuals, they're going to start taking out debt, and the housing market's going to skyrocket just like stocks. I mean, really, most assets are going to skyrocket. So right now, I think, is an excellent, excellent time to be looking at buying real estate, and then you can just refinance later, when the rates bottom in a year or two,   Keith Weinhold  32:50   when you talk about high housing supply, I think what you mean is higher housing supply. Nationally, we're still 12% under supplied. It's just the fact that we have 30% more available housing supply in the one to four unit space than we did a year ago. At this time when we're talking about interest rates and things that have to do with the larger economy, here, you the listener should be aware that Naresh has often been tapped and interviewed by major network television on his opinions on these sort of broader economic issues, so he is qualified that way. And to give you an idea with what we're talking about with this desire to get the Fed funds rate down to 1% whether that happens or not, today's Fed funds rate is around 4.3% just to give you an idea of the magnitude of the potential cut, I don't forecast interest rates because it's very difficult to do, but it's interesting that Naresh has done some of that, and let's remember that Trump is actually the one that appointed Jerome Powell back in Trump's first term, and there's been a good bit of speculation around who the next appointee might be. In fact, if that appointee is named several months before Powell's termination of his term in May. Some people think that could be Treasury Secretary Scott Besant, that that alone could change the dynamic, that you would get someone more likely on board to make rate cuts and name them before they actually come into office.   Naresh Vissa  34:14   Well, the President decides he appoints that position, and we know for a fact 100% Trump is only going to put his person in there, man or woman, we don't know, but he's going to put his person. And the basic requirement for the job, it's not a PhD from Harvard or being a multi billionaire like Scott Besant. The basic requirement for the job is cutting the rates to 1% the Fed funds rate to 1% that's the bare minimum basic requirement for the job, and there are apparently lines of people who are lining up because they think they fit that requirement. So we know that's coming. We know it's coming at the latest, next year, like I said, Because Trump said it himself, and to be calling somebody a numbskull and all these names, he's very serious about this. It's an issue that means a lot to him. And again, I get where Trump's coming from. The government would save a lot of money on interest payments. And Trump's justification is, inflation is low, let's just try it, which I somewhat agree with. He says, Let's just try it, and if the inflation goes back up, then you just raise the rates. Don't you know, Powell was too late in 2021 the next guy won't be too late in raising rates this time around if the inflation does go back up. So it's a different strategy that would definitely juice the economy overnight. Of course, he wants that. Everyone's got their own opinions. I'm of the opinion. I think the Fed actually is for the most part. Post 2022 has done a good job. In fact, I did an episode with you, I think, a year and a half ago, saying that the Fed should have done more rate hikes, because we would have been at 2% inflation a year ago had the Fed done one or two more rate hikes, in my opinion. And we saw at the end of Biden's presidency, inflation started going back up when the Fed actually cut rates, when they should have been raising rates previously. So with that being said, this is a good opportunity for investors, because we are in that doldrum right now where we know the rate cuts are coming, at least we, you and I and GRE listeners know that the rate cuts are coming. Not everybody knows that they're coming, because they may not pay attention or follow this stuff as closely as we do. We know that they're coming, and what that means for the housing market is, like I said, juice. We can see juice in stocks. We can see juice and housing. We can see juice and Bitcoin and other commodities.   Keith Weinhold  36:35   Well, you use the word doldrum. Yes, the housing market is in somewhat of a doldrum. We have lower transaction volume than we have historically, for sure, and really that's led by we need to keep in mind as investors, that that's lower owner, occupant purchase volume, because investor purchases have stayed pretty steady.   Naresh Vissa  36:56   Yes, I'll say this, Keith, we work with a lot of different providers all around the country. I want to say we're up to something like 30 different providers in 20 different markets or so. When these partners are calling me saying, Hey, we got all these properties and send me your people and you know, let's do business together and help us find more investors, then I know that the housing market has somewhat stalled. It's not doing terrible, but I know that it's when those providers aren't calling me, or when they even cut off the relationship and say, Hey, I don't want to talk to you anymore. I don't want to work with you anymore. Then I know, hey, it's a really hot housing market. They don't really need me. And I'll tell you right now, every other day I have a partner of ours, I had to tell them to stop call. I said An email will do, or a text message will do. You don't need to call and leave me a bunch of voicemails. I have people calling me every day saying, Hey, we got all these properties, and they're amazing and they're beautiful, and send your people to us, which tells me that it could be actually a good time to start buying. Because it's not like I said, 2021 it's not 2022 it could be a good time right now, because the investor will hold more leverage, and the incentives that these partners are offering are second to none. I've never seen incentives this good. I mean, it's not just the free property management, it's not just the closing cost credit. It's negotiating prices of homes. It's getting cash back at closing, so just literally having a check overnighted to you that's in the five figures, cash back for buying property. So overall, I think it's a really, really good time right now to get into real estate, probably one of the best times, if not the best time since I joined GRE at the end of 2021   Keith Weinhold  38:40   of course, Ken McElroy was just here on the show with us a couple weeks ago, talking about what a good time it is to buy from his perspective as well. But yeah, Naresh, I appreciate that you're kind of letting the listener peek behind the curtain a little bit. We really get a good read on the pulse of the market here, and part of our job is to vet those providers that we work with, yeah, the race. Well, one property strategy that almost transcends eras is the BRRRR strategy. It's such a popular strategy with investors, because you can get in to a deal and have so little of your money left in the deal that you could end up with 10 to one levered. So the burr strategy, that's probably the most popular strategy with our investors. So tell us more about that.   Naresh Vissa  39:27   We've done several webinars already about Bert, and this has become the most popular strategy with our investors, hands down the amount of volume that we're seeing with our investors, people who keep buying more and more because the first one worked out. Now there are some that didn't work out, and that has more to do with the provider than it has to do with the strategy. The strategy is simply buy a property that needs to be completely rehabbed, refurbished. It's you buy a property, as is, you take out a hard money loan to renovate the property, to gut it, to update. It, bring it up to speed. Or you can pay cash. So a lot of people say, Oh, I don't have the cash to pay for such a property. So they're the hard money loan is there. Or you could pay cash. Our recommendation, my recommendation, personally, is take out the hard money loan, because you have that extra layer of protection, that extra body who will make sure that you're not getting taken advantage of, because that's a problem that we've seen with BRRRR, where some of the providers, some of the sellers, they'll sell the property, and then they just disappear after that. And we don't want that to happen. We want the rehab to actually get done, because the real value is by doing the rehab, making the house nice, renting it out to a tenant, and then refinancing the property, because the home value is going to appreciate so much. In some cases, some of our investors got 100% appreciation from what they bought the property at, and they were able to use that equity, 100% of that equity into the down payment, into other fees, so they didn't have to pay anything out of pocket for the property. So that's the beauty of the BRRRR strategy. And like I said, what's most important? Because we've already done two web it. We've done a Memphis burr webinar, we've done a Cleveland burr webinar. Now we're doing a little rock BRRRR webinar, and I think this is the best burr out of all the burs that we've done. And the reason is because the team we're working with, they have a legitimate company operation. They have a property management division, they have a rehab division, they have a sales division, they have a management division. This is not like a one man show or a two person company trying to do all these rehabs all at once. So they're very here's the schedule. This is what we have to do, very accurate and so yes, their pro forma numbers aren't going to be as aggressive as what our investors have seen with previous BRRRR providers. But the problem with those aggressive numbers is that a lot of the providers, they overinflate those numbers, and they don't follow through, let's say, on the rehab, or they do the rehab, and the appraisal does not come back at an amount that met the proforma. So I'm just really excited about this, because Little Rock is a new market that we've entered into. We have not done a lot of Little Rock promotion, a lot of Little Rock property. So it's a new market, number one and number two, it's the team that's there. This is the best of the best team. And if somebody came to me and said, Hey, I want to do a bur. Where should I do it? You've got all these different webinars and podcasts on burrs. Where should I do it? I would say bur Little Rock is where you want to do it, because you're going to sleep way better at night, and the process is going to be way smoother than the others. Yes, the pro forma numbers, they're not going to be as appealing, or they're not going to be as outlandishly high as those other markets, but those other markets, Memphis, Cleveland, there's a reason why those numbers are so high. And like I said, it's this team in Little Rock, amazing team, Keith, I know you've had some calls with them. We interviewed the their head Alex on last week's podcast episode. He and I are going to be doing this upcoming webinar on BRRRR little rock this Thursday, and we hope to see everybody there go to gre webinars.com, gre webinars.com, right now to register for that webinar.   Keith Weinhold  43:14   It's this Thursday, a live event that you can attend from your own home. And the benefit of you attending live is you can have your questions answered in real time. You can hear other attendees questions, which will help educate you on this process. And yes, I don't know if this will ever happen again. We do have Alex leading the bur strategy in Little Rock. He's been doing this for 15 years. He's got his vetted, proven team and a great system for doing this, so that so much of it is all done for you. And   Naresh Vissa  43:47   one more thing that I'll say, because this has become very popular with our online special event attendees, they hear podcast episodes like this, and they say, Hey, I want to jump on this before the live event, because all those other people are going to be on, and I want to jump. So I want to share, or Keith, I'll let you share our link for people to just reach out to me if you want to schedule a meeting or just email me. Just reach out to me if you don't want to wait until the webinar, the online special event this Thursday, if you want to get a head start, please absolutely reach out to me.   Keith Weinhold  44:20   That's a great thought. You can go to GRE investment coach.com right now and get on the race's calendar so that you can have a free meeting. Any last thoughts about Thursday's big event?   Naresh Vissa  44:32   like I said, it's going to be Thursday evening. The time is going to be at 8pm Eastern Time. Thursday, 8pm eastern the webinar, online special event will last about two hours. Our listeners, our followers, love these online events because they're highly interactive. We get everybody involved. They're fun, and the reason why they last two hours is because the people who attend are having such a good time. Them that they want it to last that long. I remember a long time ago when we used to do these online events, and they'd only last 30 or 40 minutes, and then that was the end. But now our file loves them so much. I think if you've never attended one of our online special events, you'll definitely want to attend this, because it is the timing is perfect before all these rate cuts, as the housing supply inventory is at a 12 month high. So the timing is is really good. The incentives are excellent. And like I said, we know interest rates are going to be slashed sometime next year, so you can always refinance later, but but getting in at these prices is going to be a true gift. So gre webinars.com, to register for this online special event.   Keith Weinhold  45:52   We are all looking forward to it this coming Thursday. Narration, it's been great having you back on the show.    Naresh Vissa  45:57   Thanks, Keith.    Keith Weinhold  45:58   Yeah. Fruitful in house chat, as always, with one of our investment coaches, Naresh, that's how you can leave as little as 10% down on an income property. When you do that, cash out refi with the burr strategy, you'll get in at today's lower prices, they tend to be 140 to 160k in Little Rock, Arkansas. You'll lock in this year's rates with that low price, with the BRRRR acronym, meaning buy, renovate, rent, refinance, repeat. Well, that refi is a little ways down the road after your initial purchase. Longer term, if interest rates go up, you'll be glad that you got today's rates. And if interest rates go down, which many expect, then you'll refi. The only thing bigger than the next Fed interest rate decision or the naming of a new Fed chair is Thursday's GRE live event itself, get ready. Really, the event presentation typically takes an hour or less. The rest of the time is your questions and conversations, so show up from the comfort of your own home, maybe with a beverage this Thursday, and since it's in the evening, probably not a stimulant, maybe a yerba mate, besides seeing real life case studies and understanding how the burst strategy works, how to optimize it and the mistakes to avoid, expect access to available Little Rock burr properties, actionable opportunities. Should you so choose? Sign Up Free at gre webinars.com Until next week, I'm your host. Keith Weinhold, don't quit your Daydream.   Unknown Speaker  47:50   Nothing on this show should be considered specific personal or professional advice. Please consult an appropriate tax, legal, real estate, financial or business professional for individualized advice. Opinions of guests are their own. Information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of get rich Education LLC exclusively.   Keith Weinhold  48:14   You know, whenever you want the best written real estate and finance info, oh, geez, today's experience limits your free articles access and it's got pay walls and pop ups and push notifications and cookies disclaimers. It's not so great. So then it's vital to place nice, clean, free content into your hands that adds no hype value to your life. That's why this is the golden age of quality newsletters. And I write every word of ours myself. It's got a dash of humor, and it's to the point because even the word abbreviation is too long, my letter usually takes less than three minutes to read, and when you start the letter, you'll also get my one hour fast real estate video course, it's all completely free. It's called the Don't quit your Daydream letter. It wires your mind for wealth, and it couldn't be easier for you to get it right now. Just text gre 266, 866. While it's on your mind, take a moment to do it right now. Text, gre 266, 866,   Keith Weinhold  49:30   The preceding program was brought to you by your home for wealth, building, getricheducation.com  

Nationally syndicated columnist for The Creators Syndicate, Ruben Navarette, discusses the latest developments in the Texas flood response fallout and how this administration stopped making sense, as we slouch toward fascism.Become a supporter of this podcast: https://www.spreaker.com/podcast/tavis-smiley--6286410/support.

Meet legendary improviser Tim Orr based in San Francisco. We had a fabulous chat about his life in improv, international travels and favorite movie. We spoke about his philosophy on improv and the importance of connections. He even gave me a tour of his home! He has been improvising since 1988 with many San Francisco and international groups, including BATS Improv, True Fiction Magazine, Awkward Dinner Party, and with the acclaimed troupe 3 For All. In 2009, he founded Improv Playhouse of San Francisco. Since 2015, he has toured Europe with Inbal Lori from Berlin performing their duo show Click. Tim has also appeared in numerous plays in the San Francisco Bay Area, and received critical acclaim for his leading roles in the improvised feature films, Suckerfish and Security. Nationally, Tim has performed and taught improvisation at the American Conservatory Theatre, BATS Improv, Stanford University, and many other venues (Los Angeles, Chicago, New York, Austin, Louisville, Atlanta, etc.). Internationally, he has performed and taught at numerous festivals and/or as an invited guest artist in Amsterdam, Barcelona, Beijing, Beirut, Belgium, Berlin, Bucharest, Dubai, Hamburg, Helsinki, Lisbon, London, Lyon, Mallorca, Oslo, Paris, Saudi Arabia, Shanghai, Sofia, Stockholm, Tel Aviv and more. Tim has consulted with numerous groups both nationally and internationally in their formation of improvisation groups and also the development of new improvisation formats.

DJ & PK talked about The Athletic ranking the BYU-Utah Rivalry 28th-best in the country and why it's too low in their opinion. 

The entirety of DJ & PK for July 14, 2025: HOUR ONE Pablo Mastroeni, Real Salt Lake Mark Harlan, Utah Athletic Director Richard Smith, Longtime Utah Jazz Staff Member HOUR TWO What is Trending Hot Takes or Toast BYU-Utah Rivalry is ranked too low HOUR THREE Brett Ciancia, Pick Six Previews BYU-Utah Rivalry ranked too low? Cal Raleigh chasing Barry Bonds  HOUR FOUR Steve Cleveland, Former BYU Basketball Coach Slacker Radio Headlines Feedback of the Day

Is your closet overflowing, but you still feel like you have nothing to wear?  Help is here! Nationally known stylist and color expert Shari Braendel shares with us how the right colors and fewer clothes can help you feel more confident and less stressed. If you're ready to simplify, feel good in your clothes, and rediscover your style, this episode is for you.   Learn more about Shari: https://www.stylebycolor.com/ Join her Facebook group: https://www.facebook.com/groups/stylebycolorstudio/        

INTRO:  Welcome to the award winning, Nationally syndicated My Big Fat Bloody Mary podcast where you will never drink alone. Special hello to our new listeners! 19 new listeners from my neighbor to the west – MN. We are coming to you from the studios of the Bloody Mary Concert …

Nationally, folks are wondering how the Buffs will replace a top level quarterback and a Heisman Trophy winner? 247Sports Colorado reporter Adam Munsterteiger and Cover 3 host Bud Elliott discuss on CBS Sports HQ.

Nationwide Protests and Riots: The hosts argue that recent protests, which they compare to the 2020 BLM protests, are not organic but orchestrated. They list numerous cities experiencing unrest and claim these are Democrat-run and complicit in the violence. Impact on Small Businesses: Emotional interviews with small business owners, particularly a family-owned jewelry store in LA, highlight the destruction and lack of insurance coverage. Criticism of Political Leaders: Harsh critiques of California Governor Gavin Newsom, LA Mayor Karen Bass, and Congresswoman Maxine Waters. Accusations that these leaders are enabling lawlessness and undermining law enforcement. Illegal Immigration and Crime: The episode includes a list of violent crimes allegedly committed by undocumented immigrants. The hosts argue that federal immigration enforcement is necessary and being wrongly opposed by Democratic leaders. Media Bias: The podcast criticizes major outlets like CNN, NPR, and The New York Times for allegedly misrepresenting the protests as peaceful. Please Hit Subscribe to this podcast Right Now. Also Please Subscribe to the 47 Morning Update with Ben Ferguson and the Ben Ferguson Show Podcast Wherever You get You're Podcasts. Thanks for Listening #seanhannity #hannity #marklevin #levin #charliekirk #megynkelly #tucker #tuckercarlson #glennbeck #benshapiro #shapiro #trump #sexton #bucksexton#rushlimbaugh #limbaugh #whitehouse #senate #congress #thehouse #democrats#republicans #conservative #senator #congressman #congressmen #congresswoman #capitol #president #vicepresident #POTUS #presidentoftheunitedstatesofamerica#SCOTUS #Supremecourt #DonaldTrump #PresidentDonaldTrump #DT #TedCruz #Benferguson #Verdict #justicecorrupted #UnwokeHowtoDefeatCulturalMarxisminAmericaYouTube: https://www.youtube.com/@VerdictwithTedCruzSee omnystudio.com/listener for privacy information.