Podcasts about North Central Florida

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

Hour 4 of the Tuesday Bob Rose Show, including the near-record cold that has enveloped Florida. But it won't last, and North Central Florida will be back to mild temps in a couple days. Plus AI in movies, the end to the government shutdown, Mamdani's chief aid's link to police social workers, Veteran's Day salute and helping those that have served, and the morning's biggest news stories for 11-11-25

rWotD Episode 3104: Florida's 10th House of Representatives district Welcome to random Wiki of the Day, your journey through Wikipedia's vast and varied content, one random article at a time.The random article for Sunday, 2 November 2025, is Florida's 10th House of Representatives district.Florida's 10th House district elects one member of the Florida House of Representatives. The district is represented by Chuck Brannan. This district is located in North Central Florida, and encompasses part of the inland First Coast, as well as small parts of the Gainesville metropolitan area and the Jacksonville metropolitan area. The district covers all of Baker County, Columbia County, Hamilton County, Suwannee County, and part of northern Alachua County. The largest city in the district is Lake City. As of the 2010 census, the district's population is 156,423.This district contains Florida Gateway College, located in Lake City. The district also contains a small military presence at Lake City Gateway Airport.This recording reflects the Wikipedia text as of 00:02 UTC on Sunday, 2 November 2025.For the full current version of the article, see Florida's 10th House of Representatives district on Wikipedia.This podcast uses content from Wikipedia under the Creative Commons Attribution-ShareAlike License.Visit our archives at wikioftheday.com and subscribe to stay updated on new episodes.Follow us on Mastodon at @wikioftheday@masto.ai.Also check out Curmudgeon's Corner, a current events podcast.Until next time, I'm neural Ruth.

James Longenecker came to Pittsburgh from Florida to train for the Rachel Carson Trail Challenge—and, thanks to what I call a “Pittsburgh agent,” she never left. After a short stint doing sales for Who Cooks for You Farm, she landed her current role as the City's Farmers Market Manager, where she's bringing new life and coordination to markets across the city.James grew up in Tampa, the daughter of a military dad and a mom who hated cooking—but who loved to travel and introduced her to a world of flavors. Surrounded by aunties and friends from across the globe, James learned to cook from the women around her.With a background in economics and international development, James chose to focus her energy closer to home—working on local development in her home state of Florida. She's farmed in Florida, Virginia, and Pennsylvania; developed and managed a farmer training program at the University of Florida; and spent summers making cheese at Meadow Creek Dairy in Virginia.Now she's putting her energy into Pittsburgh's local food scene—reviving farmers markets, strengthening regional connections, and keeping her North Central Florida roots close at heart.----Connect with Pittsburgh Farmers markets here Reach James at 412-740-8812 or James.longanecker@pittsburghpa.gov

CEO Stevie Doyle and John Thomas with details on the Beyond Bourbon (and Wine) charity benefit Nov 9th at the Santa Fe River Ranch. The Ronald McDonald House serves families with severely ill children being treated at Shands Children's Hospital. The House has been full, making a real difference in treating sick kids and serving their families to keep them close-by. Volunteers are welcome and needed. Info at https://rmhcncf.org/

Hour 1 of the Thursday Bob Rose Show on the fiery debate last night in America's largest city. Mayoral candidates faced off, with the front-runner sweating from attacks. Meanwhile a letter from 650 rabbis assailed Zoran Mamdani's refusal to condemn global intifada which denies Israel's legitimacy. From New York to North Central Florida, the morning's biggest stories for 10-23-25

This year's Oktoberfest is Saturday October 25th at Audi of Gainesville, featuring German entertainment and cuisine. Tom Brinkman and Mike Potapaw discussed the details that make this annual party special, and how funds make a difference in the lives of families with sick children at the Ronald McDonald House of North Central Florida.

Changing the structure of Florida's firearms laws after the unanimous ruling that the state's open carry ban is unconstitutional. What's next, and how the ruling is modifying the enforcement of firearms laws in North Central Florida and in the state. Local law enforcement trainer and Second Amendment expert Chris Waggoner in the Bob Rose Show.

Successful events benefitting the Ronald McDonald House of North Central Florida are making a meaningful difference supporting families with children treated at UF Health-Shands. But the House is full serving these families. Chief Executive Officer Stevie Doyle lays out the need for volunteers. And fun events, including “Treat Yourself” Oct. 5th, “Oktoberfest” Oct 25th, and the expanded “Beyond Bourbon” Nov 9th.

Former Florida House Representative and now University of Florida Vice President for Government and Community Chuck Clemmons on the role of UF in the area and state. As a land grant university, UF is tied to agriculture in every county. New interim UF President Dr. Landry will be recommended to become the next permanent leader. The impact of UF in the Gainesville community is substantial, with over 30,000 employees, and is a development engine in this area.

Live and local, the Bob Rose Show is proud to continue the tradition of being North Central Florida's trusted information source. In honor of National Radio Day, kicking off the Wednesday show saluting the power of local radio, and the first morning update on Hurricane Erin

Full Show: The Feds are taking over DC full 7344 Tue, 12 Aug 2025 15:44:47 +0000 fyR2DmD0kwuCJBUT59uWGlgsNXZGezxg news Bob Rose Show news Full Show: The Feds are taking over DC The Bob Rose Show with Greg Cassidy is North Central Florida's #1 morning information source for more than 20 years. Weekday mornings from 6:00 to 10:00am, featuring breaking news, traffic and weather. And commentary that drives conversation on the biggest issues.  2024 © 2021 Audacy, Inc. News False https://player.amperwavepodcasting.com?feed-link=https

Hour 1 of the Bob Rose Show on the first day of school for most of North Central Florida school districts, including Gainesville and Ocala. Law enforcement is targeting school zone speeders and those on cell phones. Especially phone use…put ‘em down and be aware of kids and bus drivers getting used to new routines and routes. Plus Monday morning's breaking news for 8-11-25

Thursday night, Bob Rose and Greg Cassidy hosted the 9th annual SKY Valor Honors reception. We saluted 38 law officers, fire-rescue personnel and first responders from 18 different agencies. Honored guest was Florida Attorney General James Uthmeier, a Gator graduate who is now the state's top cop in Tallahassee. Saluting the heroism of the honorees, plus all the morning's breaking news for 8-1-25

The legendary ‘head ball coach' has teamed with the Ronald McDonald House of North Central Florida in a special event Monday August 11th. Partner Freddie Weibe and Stevie Doyle with Ronald McDonald House. Games and prizes, former Gators and celebrities, over-the-top cuisine, and a one-of-a-kind celebration at the iconic Spurrier's Grid Iron Grille. Limited tickets remain at www.Spurriers.com.

Hour 3 of the Wednesday Bob Rose with the morning's biggest stories, including the latest on the tropical system that has been drenching North Central Florida since Sunday. The slow-moving low is struggling to develop into a serious threat, but heavy rain is spreading to the Florida panhandle and northern Gulf coast.

Food Travel USA with Elizabeth Dougherty Album: The TRUTH About Food and Travel 062325 Episode #:  Original Broadcast Date: 06/23/2025 Buried deep in the forests of North Central Florida lies a relic of environmental destruction—Rodman Dam. Built in the 1960s as part of the failed Cross Florida Barge Cana; project, the dam submerged 9,000 acres of pristine springs, wetlands, and ancient forest. Today, the dam still blocks the natural flow of the Ocklawaha River, cutting off manatees, fish, and water circulation from the St. Johns. In this week's travel feature, Elizabeth traces the history of the dam's controversial origin, exposes the corruption behind its continued maintenance, and highlights the bipartisan call for its removal. Despite decades of science showing the damage it causes, a small but powerful group of interests keeps it in place. This isn't just about one dam—it's about whether Florida will prioritize tourism gimmicks or embrace and protect its natural heritage. Elizabeth takes you to the river—and dares you to look upstream. FOOD TRAVEL USA FAST FACTS About the Show Using the chassis of a food and travel show, Elizabeth Dougherty has carved out her own lane in Talk Radio, covering the contamination of the food supply and the travel restrictions placed upon us by an overreaching government. The show also covers data protection, self-sufficiency, and homesteading-related topics to help protect us from this evil, corrupt system. With Elizabeth as the host, the show has a very different sound from the typical male-oriented talk radio. In combination with terrestrial stations that carry the show, we reach people who don't normally listen to politically-driven talk radio. In addition to the LIVE FEED of the show on Saturday afternoons from 5pm–7pm (Eastern) / 2pm–4pm (Pacific), we produce and distribute a dozen podcast segments each week. Website & Social Media Website: FoodTravelUSA.com Social Media: Facebook | X (formerly Twitter) | Truth Social | YouTube Broadcast Details Live Broadcast: Saturday, 5 PM Listen Anytime Production Team Executive Producer: Michael Serio Email: FoodTravelUSA@proton.me Why Listeners Tune In ✔ The latest food & travel insights—every week ✔ Homemade videos of healthy, easy-to-make recipes ✔ No-holds-barred interviews on a LIVE, fast-paced, nationwide call-in show ✔ Elizabeth Dougherty: Writer, trained chef, world traveler, and award-winning talk show host ✔ First to bring expert insights on GMOs—before anyone else ✔ A true LIVE SHOW—NO “Best Of” reruns! ✔ Hard-hitting topics & interviews—no recycled political spin ✔ Engaged social media presence—200,000+ followers

The SKY Valor program salutes the bravery of North Central Florida's heroes every weekday in June. Today's honoree, Corporal Trinton Lovell with the Bradford County Sheriff's Office

The SKY Valor program salutes North Central Florida's heroes every weekday in June. Today's honorees, Firefighter-Paramedic Alyssa Hardin and Firefighter-EMT Dominic Morales with Alachua County Fire Rescue

The SKY Valor program salutes North Central Florida's heroes every weekday in June. Today's honorees, Cpl. Robert Rogers and Sgt. Shelley Postle with the Gainesville Police Department

The SKY Valor program salutes North Central Florida's heroes every weekday in June. Today's honoree, Lieutenant Cody Murphy with Marion County Fire Rescue

The story of extraordinary herosim of Sergeant Michael McFarland and Trooper Brett Pittman with Florida Highway Patrol's Lake City District. Every weekday in June, SKY Valor Program annually honors North Central Florida's exceptional law enforcement and first responders for acts of bravery above and beyond the call of duty.

SKY Valor Program honors the heroic work of law enforcement and first responders in North Central Florida. From the Gainesville Police Department, saluting Officer Sarah Reeves, and Meridian Healthcare Clinician Allison Lawrence

The SKY Valor program salutes North Central Florida's heroes every weekday in June. Today's honorees, Corporal Michael Logan Mosher and Ofc. Tyrone Ellis with the Gainesville Police Department

The SKY Valor program salutes North Central Florida's heroes every weekday in June. Today's honoree, Critical Care Paramedic Stephen Cabrera with Marion County Fire Rescue

The SKY Valor program salutes North Central Florida's heroes every weekday in June. Today's honorees, Sgt. John Dyle and Deputy Rob Lee with the Gilchrist County Sheriff's Office

The SKY Valor program honors North Central Florida's heroes every weekday in June. Today saluting Detective Nicholas Sutliff with the Marion County Sheriff's Office

The SKY Valor program honors North Central Florida's heroes every weekday in June. Today honoring Firefighter-Paramedic Ryan Tietjen with the Levy County Department of Public Safety

Every weekday in June, the SKY Valor program salutes North Central Florida's heroic law enforcement and first responders. Today honoring the rapid life-saving response of Detective Anastasiya “Ana” Shkurko with UF Police

The SKY Valor program honors North Central Florida's heroes every weekday in June. Today saluting the professionalism and compassion of Sheriff's Deputy Izzabella “Bella” Luzader from the Levy County Sheriff's Office

Elon Musk and Donald Trump: Is it a 'big, beautiful break-up?' Plus, why conservatives are happier full 3193 Wed, 04 Jun 2025 19:12:30 +0000 1M0Jjw7oypy5I33HfgQODGV2GCzcTbBO red meat,news Bob Rose Show red meat,news Elon Musk and Donald Trump: Is it a 'big, beautiful break-up?' Plus, why conservatives are happier The Bob Rose Show with Greg Cassidy is North Central Florida's #1 morning information source for more than 20 years. Weekday mornings from 6:00 to 10:00am, featuring breaking news, traffic and weather. And commentary that drives conversation on the biggest issues.  2024 © 2021 Audacy, Inc. News False

The SKY Valor program honors North Central Florida's heroes every weekday in June. Today honoring Fire Equipment Operator Jagger Maguire, Firefighter Jeffrey Saunders, Firefighter Joseph Villella, and Battalion Chief Josh Phillips with Ocala Fire Rescue

The SKY Valor program honors North Central Florida's heroes every weekday in June. Today saluting the heroism of Patrol Sergeant Kendrick Hampton with the High Springs Police Dept.

Friday Hour 3: State sanctioned genocide? full 2965 Fri, 07 Mar 2025 14:21:37 +0000 c0jHdrCwGZNJtIQ5HUx7FHcWsvx5MMOq news Bob Rose Show news Friday Hour 3: State sanctioned genocide? The Bob Rose Show with Greg Cassidy is North Central Florida's #1 morning information source for more than 20 years. Weekday mornings from 6:00 to 10:00am, featuring breaking news, traffic and weather. And commentary that drives conversation on the biggest issues.  2024 © 2021 Audacy, Inc. News False https://player.amperwavepodcasting.com?feed-link=ht

‘Tis the season for lightly frozen thin mints and ice cold whole milk…the best way to enjoy the best cookies…as Girl Scouts are selling cookies conducting their annual fundraisers all across North Central Florida. But, do reports of hidden chemicals in cookies require oversight? Plus the morning's breaking news on Hour 3 of the Friday Bob Rose Show for 2-28-25

Winter's last gasp in North Central Florida…we hope…a freeze is coming tonight into Friday morning. Temps dropping into the upper 20s in some locations. But, back to 70 over the weekend.

Monday Hour 1: Presidential races were bitter, even back in the day full 2087 Mon, 17 Feb 2025 12:29:42 +0000 jAYOzB1SkTvRg63YgkAXVN50Bg7BIQQ1 news Bob Rose Show news Monday Hour 1: Presidential races were bitter, even back in the day The Bob Rose Show with Greg Cassidy is North Central Florida's #1 morning information source for more than 20 years. Weekday mornings from 6:00 to 10:00am, featuring breaking news, traffic and weather. And commentary that drives conversation on the biggest issues.  2024 © 2021 Audacy, Inc. News False https://player.amperwavep

On this episode of the Upstate Golf Guys Golf Podcast Golfweek Spotlight we have our own director of NY Upstate Adam Cahill, Florida Mike, and our guest the North Central Florida Tour Director Brandon Peterson. In this episode we talk about WWE Wrestling and how much Adam and Brandon our directors love it for years. Went over the first event that North Central Florida held this past weekend. Some great things that North Central Florida is doing on their tour and hearing what NY is doing. From special hardware that Florida gives out to winners, season long wrestling belts, and just overall great information about how incredible the Golf Week Am Tour regardless of where you live in the country. Even both Adam and Brandon our directors share a passion for the green and yellow Green Bay Packers even a day after their tough loss in the playoffs. Brandon even shared an amazing experience he had this month at the Ice Breaker regional in Hilton Head at Harbortown getting a hole in one on Hole 17 and his excitement. Talking about some amazing things our sponsor Lombardi is doing to with the recent fires that are happening in Los Angeles and the California area. An Episode that you don't want to miss. For more information on how to join the Golf Week Amateur Tour and compete nationally in events throughout the coming 2025 season and beyond, go to www.amateurgolftour.net. TO JOIN THE GOLFWEEK AM TOUR CLICK HERE Golfweek Amateur Tour AND UNDER THE TAB FIND A TOUR NEAR YOU AND SIGN UP!!!! TELL THEM THE UPSTATE GOLF GUYS SENT YA!!!! THE UPSTATE GOLF GUYS PODCAST IS AVAILABLE ON ALL PODCAST PLATFORMS AND YOUTUBE PLEASE LIKE, FOLLOW, SUBSCRIBE AND SHARE TO THE UPSTATE GOLF GUYS PODCAST LINKS BELOW https://www.instagram.com/upstate_golf_guys_podcast?igsh=NXdhcTR3MW02MWZ4&utm_source=qr The Upstate Golf Guys Podcast https://podcasts.apple.com/us/podcast/the-upstate-golf-guys-podcast/id1726286802 https://open.spotify.com/show/4jYL9Hi0FQrfHrmaBnDXrW?si=12cfbbd0ef11441f A QUICK LIKE AND FOLLOW GOES A LONG WAY!!!! TRULY APPRECIATE ALL THE SUPPORT. LOVE YOU ALL!!! PLEASE CHECK OUT OUR NEWEST SPONSOR OUT AND SHOW SOME SUPPORT THOMAS PAUL CONSTRUCTION 518-308-6794 Thomas Paul Construction LLC is a full-service construction company who specializes in roofing covering the Greater Capital Region. Residential & Commercial Roofing Experts | Thomas Paul Construction Be sure to tell them the UPSTATE GOLF GUYS sent you to save HUGE, before Tom gets out of the truck.... FOR ALL YOUR INSURANCE NEEDS GO SPEAK TO JARED AT NORTHEASTERN INSURANCE AGENCY Home - Northeastern Insurance And can't forget my man Uncle Paulie...Be sure to check out Lombardi Golf Putters, Lombardi Putters are built above the rest but cost less.... Making golf more accessible one putter at a time.... Be sure to use code "Upstate" at check-out to save a hefty discount!!!! Learn more about your ad choices. Visit megaphone.fm/adchoices

Friday Hour 3: Supreme Court allows Dem fundraiser against Trump to proceed full 2776 Fri, 10 Jan 2025 14:35:22 +0000 yY3SUs9yUKwUaDWNrzw7JenPyfSD8Go9 news Bob Rose Show news Friday Hour 3: Supreme Court allows Dem fundraiser against Trump to proceed The Bob Rose Show with Greg Cassidy is North Central Florida's #1 morning information source for more than 20 years. Weekday mornings from 6:00 to 10:00am, featuring breaking news, traffic and weather. And commentary that drives conversation on the biggest issues.  2024 © 2021 Audacy, Inc. News False https://player.am

Monday Hour 1: Planting the flag full 2409 Mon, 02 Dec 2024 12:39:02 +0000 eRQi7V7tHVMRv00AUPGL2Qfn5br5zpCp news Bob Rose Show news Monday Hour 1: Planting the flag The Bob Rose Show with Greg Cassidy is North Central Florida's #1 morning information source for more than 20 years. Weekday mornings from 6:00 to 10:00am, featuring breaking news, traffic and weather. And commentary that drives conversation on the biggest issues.  2024 © 2021 Audacy, Inc. News False https://player.amperwavepodcasting.com?feed-link=https%3A%2F

Happy Sunday! In today's message, Pastor Chip Parker shares the final sermon in our vision series titled “Lasting Impact.” Listen in as he continues to share our vision for The Orchard Community Church over the next year and beyond, and how we can play a part in impacting lostness in North Central Florida. P.S. Don't forget that our Harvest Celebration is happening TODAY! Join us at 4 PM at The Barnes Farm for our annual meeting and a time of communion together. Afterwards, there will be plenty of fun for whole family, including hayrides, inflatables, a bonfire, and so much more! We'll be serving dinner, but please bring a dessert to share. We'll see you there! Thanks for joining us today! We are always here to help you answer questions, to offer prayer, and to help you step into community. Reach out to our team here: https://theorchardcc.org/connect

“Run with the Cops”, a run, walk and roll event is this Thursday. The community policing and health event focused on vulnerable populations with special needs. Ed Book, Santa Fe College Police Chief, will be joined by law enforcement and public safety partners from throughout North Central Florida at the event, starting at 9:30am at the track at Santa Fe College.

Mark Minck is a strong pro-life advocate in North-Central Florida. He lives in the Gainesville area, and has been a true friend to Mike for years. Today, they discuss Amendment 4 and the detrimental effects it would have if passed.

Happy Pride everyone! On this episode, we share Carolina's story from our September 2024 meetup theme "Stories of Pride," which was a partnership with the Pride Community Center of North Central Florida.

Tonight's first guest describes himself as not being an avid outdoorsman, but he says that he's outdoors a lot. One of the outdoor activities he enjoys is cycling, and that's what he was doing when he had his sighting, 5 years ago. What happened to him, while his encounter was playing out, wasn't unprecedented, when it comes to Sasquatch eyewitnesses, but it was very unnerving, nonetheless. We hope you'll tune in and listen to him share the details of that experience and several other experiences he's had with Sasquatch.Tonight's second guest had his sighting 11 years ago, while he was kayaking, on the Suwanee River, in North Central Florida. It was a short encounter, but it's an experience he'll never forget. If you've had a Bigfoot sighting and would like to be a guest, on the show, please go to https://MyBigfootSighting.com and let us know. We'd love to hear from you.  Premium memberships are now available! If you'd like to be able to listen to the show without ads and have full access to premium content, please go to https://MyBigfootSighting.com to find out how to become a premium member.If you'd like to help support the show, by buying your own My Bigfoot Sighting t-shirt, sweatshirt, or tank top, please visit the My Bigfoot Sighting Show Store Page, by going to...https://dogman-encounters.myshopify.com/collections/mens-my-bigfoot-sighting-collectionShow's theme song, "Banjo Music," courtesy Nathan BrumleyI produce 3 other podcasts that are available for listening on your favorite podcast app. If you haven't checked them out, already, here are links to them…  Bigfoot Eyewitness Radio https://www.spreaker.com/show/bigfoot-eyewitness-radio_1  Dogman Encounters https://www.spreaker.com/show/dogman-encounters-radio_2  My Paranormal Experience https://www.spreaker.com/show/my-paranormal-experience  Thanks for listening!

The upcoming 4th Annual Fall Kickoff Classic is already at capacity! This event draws over 700 student athletes and coaches to Westside Baptist Church's auditorium, where they enjoy a feast by Sonny's Barbeque and then enjoy a riveting sermon from a former top athlete. This year is no exception, and Noah Wilbanks, FCA Director, has the news.

Send us a Text Message.Welcome to Episode 59 of The Plant Movement Podcast! In this special episode, we are thrilled to feature Kyle Vanduser, a remarkable entrepreneur and thought leader in both faith and business. Kyle is the owner of Cyprus Island Enterprises and the insightful author of "Blue Collar Catholicism: Defining Our Faith, Doing the Work, and Investing in Eternity."As a specialist in business consulting, personal consulting, and life coaching, Kyle brings a wealth of knowledge and experience to the table. He serves as the director of alumni at Ave Maria University, where he continues to inspire and guide the next generation of leaders.Kyle's dedication to a balanced life is evident in his homesteading endeavors in Southwest Florida, where he practices sustainable living and community cooperation. He is also an integral part of a larger co-op in North Central Florida, fostering a sense of unity and shared purpose among like-minded individuals.Join us as we delve into Kyle's unique perspective on integrating faith with business, the principles of hard work, and the importance of investing in our eternal future. This episode is packed with insights for everyone in the green horticulture industry, including whole plant nurseries, landscapers, garden centers, plant brokers, and plant enthusiasts.Don't miss this opportunity to learn from Kyle Vanduser's incredible journey and gain valuable advice for both your professional and personal life. Tune in now to Episode 59 of The Plant Movement Podcast!Florida Coast EquipmentContact: 786-733-6224The Sales who assisted us personally: Jason 305-481-1900Web: https://www.floridacoasteq.com/IG: www.instagram.com/floridacoasteq--------------------------------------------------------------------------------The Plant Movement Podcast Email: eddie@theplantmovementnetwork.com & willie@theplantmovementnetwork.comCall: (305) 216-5320 Web: https://www.theplantmovement.comFollow Us: IG: https://www.instagram.com/theplantmovementpodcast A's Ornamental NurseryWE GROW | WE SOURCE | WE DELIVERCall: (305) 216-5320Web: https://www.asornamental.comFollow Us: IG: https://www.instagram.com/asornamentalnurseryPlant Logistics Co.(Delivering Landscape Plant Material Throughout the State of Florida)Call: (305) 912-3098Web: https://www.plantlogisticsco.comFollow Us: IG: https://www.instagram.com/plantlogisticsDirected and Produced by Eddie EVDNT Gonzalez Disclaimer: The contents of this podcast/youtube video are for informational and entertainment purposes only and do not constitute financial, accounting, or legal advice. I can't promise that the information shared on my posts is appropriate for you or anyone else. By listening to this podcast/youtube video, you agree to hold me harmless from any ramifications, financial or otherwise, that occur to you as a result of acting on information found in this podcast/youtube video.Support the Show.

Parents have a voice in the fight for kids' online safety. In the words of Congresswoman Kat Cammack, "At the end of the day, the Big Tech companies don't vote for me; parents back home vote for me. I want to do everything I possibly can to protect them and their families." In this conversation, we uncover the risks that social media poses to our children and what parents can do about it. Specifically, we get deep into what's happening with TikTok. Representative Cammack explains TikTok's ties to the Chinese Communist Part and emphasizes the need to regain control over our personal data. Parents - Use your voices! Reach out to your Member of Congress: house.gov Reach out to your Senators: senate.gov Meet Representative Cammack: Congresswoman Kat Cammack proudly serves Florida's Third Congressional District, which includes Alachua, Baker, Bradford, Columbia, Dixie, Gilchrist, Hamilton, Lafayette, Levy, Marion, Suwannee, and Union Counties in North Central Florida. During her first term in 2021-2022, she served as the youngest Republican woman in the 117th Congress. Kat is a third-generation commercial sandblaster who grew up on a cattle ranch outside Denver, Colorado, participating in local 4-H programs, the local rodeo, and sports. When she was younger, she had hopes of continuing the family business, but shortly before graduating from college at Metro State University Denver, an Obama-era housing program forced her family to lose their small cattle ranch and home. As a result, Kat was motivated to fight back against the failures of big government and has since dedicated her life's work to fight big government and advance individual freedoms. Continued here. --- Support this podcast: https://podcasters.spotify.com/pod/show/scrolling2death/support

How can you navigate the twists and turns of life through fostering community? Shannon Hendon, founder of Ocala Pet Sitting, takes us through her 18-year saga of transforming challenges into opportunities. From altering her career path away from vet school to implementing cool new services like kitty cam rentals, Shannon's story is a masterclass in adaptability and passion. She also discusses the power of community, the evolution of her business model as she adapted to personal challenges, and her dedication to setting new standards in the pet care industry. Main topics: Getting to create things Making serious changes Building relationships Luxury services Main takeaway: You really have to draw a line for yourself and teach people how to treat you, especially when going through a crisis. Meet our guest: Growing up in rural South Florida (Homestead), Shannon always had a mix of pets, including dogs, cats, birds, bunnies, lizards, snakes, mice, hermit crabs, ferrets, stray turtles that wandered into the yard, and a paint horse named Kona. She gives special thanks to her Mom for nourishing her Snow White-inspired upbringing. In 1995, Shannon and her husband Jamie moved to beautiful Ocala to raise their four children. Ocala quickly became their hometown, and they now have seven grandchildren! Shannon, the owner and founder of Ocala Pet Sitting, had a strong desire to work with animals. In late 2005, a friend suggested she start a pet sitting business, and Ocala Pet Sitting was born. In her extensive tenure in the pet care industry, Shannon has diligently pursued continuous education to elevate her expertise. She feels honored to serve as North Central Florida's Regional Director on the board of directors for the Florida Pet Services Association, actively contributing as a volunteer on both the education and philanthropy committees. Shannon's commitment to excellence is reflected in her many certifications, including Fear Free Certification, Certified Professional Pet Sitter (CPPS) Certification through PSI, and the vital Pet CPR & First Aid Certification. Fast forward 17 years, hundreds of clients, and thousands of visits later, Shannon is more passionate than ever about providing the best pet care possible for Ocala residents and has become a mentor to other professional pet sitters. Her expertise, coupled with her love for all creatures, ensures that your beloved pets receive top-notch care and attention while you're away. Links: https://www.ocalapetsitting.com https://www.instagram.com/ocalapetsitting/ https://www.facebook.com/ocalapetsitting Buy PSC Merch Give us a call! (636) 364-8260  Follow us on: Instagram, Facebook, Twitter Email us at: feedback@petsitterconfessional.com Full show notes and transcript   Sponsored by: ❤️ Our AMAZING Patreon Supporters= Time to Pet Visit: https://timetopet.com/confessional Code: 50% off first 3 months  Pet Perennials Visit: https://petperennials.com/pages/register-for-a-business-account

This episode features a wonderful discussion with artist Jessica Caldas ranging from topics around the lifestyle of an artist to setting boundaries in both personal and professional settings. Jessica works across mediums in painting, drawing, printmaking, soft sculpture, and splits her time between Atlanta and North Central Florida. She runs Good News Arts, a community […]