Podcasts about ocala

Diane Blalock called 911 last week, and told the dispatcher that she was in need of assistance . . . because a bar in Ocala would not serve her a Jell-O shotSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Swedish mom changes her sons legal name after tattoo artist misspelss his name, Florida Woman arrested in Ocala after calling 911 several times about a bar wouldn't serve her a Jell-O shots, Man partailly tears his house down with an excavator after wife says she is divorcing himSee omnystudio.com/listener for privacy information.

Have you ever sat in church, raised your hands in worship, and still felt a wall between you and God — and you couldn't figure out why?Jesus could.In Matthew 5, He doesn't start with the big sins. He starts with anger. Because He knows what most of us won't admit: the thing we've buried emotionally always surfaces behaviorally. The cold shoulder. The sharp comment. The slow burn that's been going for months — maybe years.In this message, we unpack one of the most honest and unexpected teachings Jesus ever gave — and what it means for your relationships, your mental and emotional health, and your walk with God right now.You'll discover:- Why anger itself isn't the sin — and what actually crosses the line- The difference between explosive anger (like Moses) and implosive anger (like the older brother) — and why both are dangerous- What Jesus meant when He said leave your gift at the altar- How accumulated hurt becomes relational debt — and how to start paying it down- Three practical steps to move from reaction to redemptionWhether you're carrying something from a friendship, a family member, a coworker, or even someone in your church — this message is for you.Jesus didn't just preach about forgiveness. He modeled it from a cross.And He's still inviting you to Higher Ground.If this message encouraged you, make sure to like, subscribe, and share it with someone who needs hope today.

A retro look back at the beginning of HITM, November 11, 2010. We saluted our Veterans and spoke with Jessica Newman of Just World International about the tremendous work she is doing with the help of the horse world. Plus, Dr. De Leeuw joins us for her regular segment called Vet Tales and callers let us know about their incredible vet stories. Listen in...HORSES IN THE MORNING Episode 3960 – Show Notes and Links:Hosts: Jamie Jennings of Flyover Farm & Glenn the GeekJamie and Glenn's Amazon StoreTitle Sponsor: Spalding Fly PredatorsPicture Credit: AISegment: Vet Tales with Dr. Kari De Leeuw of Bay Area Equine Holistic Medicine.Guests: Jessica Newman of Just World InternationalAdditional support for this podcast provided by: Equine Network and Listeners Like YouTimestamps:02:03 - 2010 show re-intro + Easy Signs sponsor02:54 - Veterans Day tributes segment05:45 - Call-in number + today's guest rundow07:49 - Grand prizes: shopping spree & bridle10:08 - Listener emails: videos, logo, WEG/Olympics12:49 - Travel plans: New Orleans, Ocala, Arabian Nights15:14 - Caller Karen: veteran shout-out & paso fino22:52 - Interview: Jessica Newman, JustWorld International36:10 - Vet Tales: Dr. Carrie on practice & stories50:15 - Vet bill roulette: big vet bills + callers66:18 - Discover Horses, Facebook, prizes, sign-off

What if cat sitting isn't a side-service anymore, but one of the fastest-maturing lanes in professional pet care? Collin sits down with Beth Pasek (Finicky Cat), Shannon Hendon (Ocala Pet Sitting), and Grace Taylor (Furever Friends Cat Sitting) to unpack why cat-only services are growing, what "maturing" looks like in client expectations, and how education around stress, behavior, and enrichment is reshaping demand. They discuss how veterinary-adjacent care shows up in real homes (especially with medical cases) and why language, scope, and standards matter as specialization increases. The group also tackles pricing, staffing, team structures, and the realities of cash flow when revenue is seasonal and peaky. The takeaway: cat sitting is not a fad, it's segmenting, professionalizing, and creating new opportunities for operators who build standards and stick to them. Main topics: Cat sitting industry growth and maturity Cat stress, behavior, enrichment Medical cats and scope Pricing, staffing, team models Technology, automation, reliability Main takeaway: "Businesses live and die on cash flow." That's true in every industry, but it's especially true in cat sitting, where busy seasons can feel like a tidal wave and slow months can sneak up fast. The answer isn't panic pricing or breaking your standards to "stay busy." It's knowing your patterns, planning ahead, and building a model that's honest about the highs and lows. Your care can be excellent and still fail if the business side isn't stable. Cat sitting is growing, so let's build it to last. About our guests: Beth Pasek runs Finicky Cat Sitting and Behavior in Cleveland, Ohio, with a cats-only focus and deep experience supporting behavior and medical-needs cases. Shannon Hendon is the founder of Ocala Pet Sitting in Central Florida and the Vice President of the Florida Pet Services Association, bringing two decades of industry experience and a cat-only transition perspective. Grace Taylor owns Furever Friends Cat Sitting in Baltimore, leading a cats-only team specializing in medical cats and building systems to support high-touch care at scale. Together, they represent a wide range of approaches to feline-focused business models and standards. Links: Beth Pasek — Finicky Cat Sitting & Behavior (Cleveland, OH) Website: https://finicky.us/ About Beth: https://finicky.us/meet-the-owner Field Notes mentoring series: https://finicky.us/cat-behavior-beth-pasek Facebook: Search "Liz Pasek" on Facebook Instagram (@finickycat): https://www.instagram.com/finickycat/ Book — Understanding Cat Behavior: A Compassionate Guide to Training and Communication: Amazon: https://www.amazon.com/Understanding-Cat-Behavior-Compassionate-Communication/dp/164739614X Barnes & Noble: https://www.barnesandnoble.com/w/understanding-cat-behavior-beth-pasek/1137311653 Target: https://www.target.com/p/understanding-cat-behavior-by-beth-pasek-paperback/-/A-90337331 Shannon Hendon — Ocala Pet Sitting LLC (Ocala, FL) Website: https://www.ocalapetsitting.com/ Meet the Owner: https://www.ocalapetsitting.com/meet-the-owner Cat Sitting page: https://www.ocalapetsitting.com/cat-sitting LinkedIn: https://www.linkedin.com/in/shannon-hendon YouTube: https://www.youtube.com/channel/UCE48Cv_QpYgNE6PSmzUspNg Grace Taylor — Furever Friends Cat Sitting (Baltimore, MD) Website: https://fureverfriendscatsitting.com/ Instagram (@fureverfriendscatsitting): https://www.instagram.com/fureverfriendscatsitting/ Built for Cats (Shannon & Grace's joint education platform) Facebook group "Built for Cats: The Business of Feline Care" — searchable on Facebook Speaker bio/overview: https://flpetassociation.org/home/speakers/ Organizations & Resources Mentioned Ohio State University — Indoor Pet Initiative (Dr. Tony Buffington's work on cat enrichment) Main site: https://indoorpet.osu.edu/ For cat owners: https://indoorpet.osu.edu/cats Dr. Tony Buffington bio: https://indoorpet.osu.edu/people/tony-buffington-dvm-phd-dacvn Fear Free Pet Professionals (the Fear Free Certified® designation referenced) Main certifications page: https://www.fearfree.com/certifications/ Fear Free Pet Sitter Certification: https://fearfreepets.com/fear-free-pet-sitter-certification/ Feline Veterinary Medical Association (Feline VMA) — formerly AAFP — Cat Friendly Veterinary Professional designation https://catvets.com/ (Feline VMA) Cat Friendly Practice program info: referenced via https://catvets.com/ Cat Fanciers' Association (CFA) — International Cat Show (held in Cleveland) CFA: https://cfa.org/ International Show & Expo: https://cfa.org/catexpo/ Florida Pet Services Association (FPSA) — Shannon is VP https://flpetassociation.org/ Check out our Starter Packs See all of our discounts!

Welcome to The Daily, where we study the Bible verse by verse, chapter by chapter, every day. Get your Hosea Scripture Journal now. Our shout-out today goes to Jonathan Santiago from Ocala, FL. Thanks for your partnership in Project23. Listen to our text today, Hosea 2:11-13 And I will put an end to all her mirth, her feasts, her new moons, her Sabbaths, and all her appointed feasts. And I will lay waste her vines and her fig trees, of which she said, 'These are my wages, which my lovers have given me.' I will make them a forest, and the beasts of the field shall devour them. And I will punish her for the feast days of the Baals when she burned offerings to them and adorned herself with her ring and jewelry, and went after her lovers and forgot me, declares the Lord.— Hosea 2:11-13 Count the words in this passage. Her. Her. Her. Her. Ten times. God is describing Israel the way a wounded husband would describe an unfaithful wife. The language is deliberate. The metaphor is unmistakable. This is spiritual adultery. The feasts are her feasts. The celebrations are her celebrations. The prosperity is her prosperity. And the lovers? Also hers. At some point, the worship that once belonged to God had become something else entirely. Israel still had the festivals. They still had the Sabbaths. They still had the religious calendar. But their devotion had shifted. They had blended loyalty to Yahweh with loyalty to Baal. The prophets called this syncretism—mixing the worship of God with devotion to other gods. The result was religion that looked right on the outside but was corrupted at the center. Israel was celebrating feasts while trusting Baal for provision. They were honoring rituals while chasing other lovers. And God exposes the truth in one devastating sentence: "She went after her lovers… and forgot me." That is the heart of spiritual adultery. Not abandoning religion. Forgetting God while pretending you haven't. And this is where the text turns toward you. If you are going to church for the appearance of faith, but you never open God's Word during the week… you may be practicing religion while forgetting God. If you sing worship songs on Sunday but your security rests in money, status, or political power… your heart may be trusting another lover. If you talk about God publicly but privately live as if your life belongs to you… that is exactly the kind of divided devotion Hosea is exposing. God will not share his bride with idols. He does not want your rituals if he does not have your heart. Because the real question is not whether you attend worship. The real question is this: Does God actually have your devotion? DO THIS: Take ten minutes today to sit quietly with God and honestly ask him to reveal anything competing for your loyalty. ASK THIS: Where is it easiest for you to substitute religious activity for real devotion to God? What "lovers" does our culture tempt believers to trust instead of God? What would wholehearted devotion to God look like in your life right now? PRAY THIS: Father, expose anything in my heart that competes with my devotion to you. Teach me to worship you with sincerity and undivided loyalty. Amen. PLAY THIS: "The Heart of Worship"

Description First donkey lameness exam for Dr. Adam Cayot from Peterson Smith Equine Hospital + Complete Care As you can see, the donkey is not exactly jogging well on the line! FEI Dressage Rider Eric Chaman joins us for two segments of the show to share all his successes and hopes for the future, focusing on the partnership with the horse, and Jenna and I agree we LOVE his energy and attitude! In the second half of the show, presented by Palm Chevrolet, Becky Jenkins from Grateful Gallops, Inc. joins us to share testimony of recent dramatic healing in Flynn, the mustang's fractured hock, showing that science-backed therapy works when it is done correctly by a trained and passionate professional. Closing it all out, with local Ocala horse capital mentions for great equine-related events and fundraisers, plus shout-outs for local trainers who start some of the best racehorses in the world, and more...... There is always more.... Thank you, Jenna Rovira, for standing in for Dancin' Pete Rodda as he recovers.

What does it actually mean to live a blessed life? Most people think blessing looks like comfort, success, and approval — but Jesus completely flips that idea upside down.In this message from Matthew 5:7–12, Pastor Mark Cummins walks through the final Beatitudes and reveals four practical, life-changing principles that define what it looks like to truly follow Jesus — not just on the surface, but from the inside out.Here's what we unpack in this message:1. Mirror God's Mercy to Others Bitterness feels like punishment for someone else — but it's actually a prison you build for yourself. The blessed life has open hands, not clenched fists. When you've been forgiven much, you're freed to forgive much.2. Daily Surrender Yourself to God God isn't interested in your highlight reel. He's after your heart. Purity isn't about perfection — it's about undivided devotion. And the parts of yourself you keep hiding are the parts He can't heal.3. Promote the Peace of God You don't win people by winning arguments. Peacemakers aren't people who avoid conflict — they're people who refuse to add fuel to fires Jesus already died to put out.4. Focus on Eternity, Living for Christ Today Persecution isn't a sign you're doing something wrong — it might be a sign you're doing something right. When you live for the applause of heaven, you stop needing the approval of people.Whether you're burned out from people-pleasing, stuck in unforgiveness, or wrestling with whether following Jesus is really worth the cost — this message is for you.

Welcome back to the Before the 1st Cast Podcast! Today, we're bringing you the ultimate bass fishing recap from an explosive Mother's Day weekend. We break down the Bassmaster Elite Series on Lake Murray, where Paul Marks pulled off an incredible victory, and dive into the Major League Fishing (MLF) Tackle Warehouse Pro Circuit on Douglas Lake, where giants were caught on offshore schools and the Nutt brothers dominated.Next, we look ahead to a massive weekend in professional bass fishing. The Bassmaster Elite Series heads to the legendary Santee Cooper for an old-school bar fight with no forward-facing sonar (FFS)! Plus, we preview the MLF Bass Pro Tour Heavy Hitters event at Orange Lake in Ocala, Florida—expect absolute swamp donkeys to hit the scales.Whether you are a boat fisherman, a kayak fisherman, a bank fisherman, or a tournament pro, stick around for our tackle tip. I'll be showing you exactly how to trigger violent strikes using a topwater popper!Become a supporter of this podcast: https://www.spreaker.com/podcast/bass-cast-radio--1838782/support.Become a Patreon memebet now for less then a pack of worms you can support Bass Cast Radio as well as get each epsiode a day early & commercial free. Just click the link below. PATREON 

Gunter Swoboda explores how dominant masculinity shapes men's relational lives—particularly the confusion between sex and intimacy—and how patriarchal conditioning contributes to emotional disconnection, loneliness, and difficulty forming meaningful relationships.This episode unpacks the internal and societal barriers men face around vulnerability and connection, while offering practical insights into developing emotional literacy and genuine relational capacity.Key TopicsThe conflation of sex and intimacy in men's relational livesHow patriarchal masculinity fosters emotional disconnectionAttachment styles and their influence on men's capacity for closenessThe role of shame and narcissism in emotional defensePractical steps to develop genuine relational capacitySound Bites“Sex and intimacy are not the same thing.”“Emotional closeness often feels dangerous to men.”“Shame is the most corrosive emotion to relationships.”Episode BreakdownIntroduction to the theme of masculinity and intimacyWhy men often confuse sex with emotional connectionThe impact of the masculine introject on relationshipsWhy emotional closeness can feel threateningUnderstanding attachment styles in menShame as a core barrier to connectionNarcissism as emotional protectionThe growing loneliness epidemic among menThe cost of the intimacy deficitThe structural influence of patriarchyBuilding genuine relational capacityPracticing emotional literacyMoving beyond hierarchical relationshipsSmall, practical steps toward deeper intimacyThe path forward: awareness and changeResourcesJessica Benjamin on intersubjectivityhttps://www.amazon.com/s?k=Jessica+BenjaminJohn Bowlby – Attachment Theoryhttps://en.wikipedia.org/wiki/Attachment_theoryBrené Brown on vulnerability and shamehttps://www.amazon.com/s?k=Bren%C3%A9+BrownGratitudeWe want to extend a huge thank you to our listeners in Ocala (ow-ka-luh), Bellview, Jacksonville, and New Port Richey for bringing Florida all the way to #1 on our Top USA listeners list!!And now for our Global Listeners, a special shoutout to our listeners in Seoul (Soul) for launching South Korea into the top 20 for the first time at #12! And our listeners in France are climbing steadily in the charts for their own top 20 spot: Issy-les-Moulineaux (ee-see-lay-moo-lee-noh) and Marseille (maar-say) in south France brought your country up from #18 to #7!CONGRATULATIONS! everyoneBecome a supporter of this podcast: https://www.spreaker.com/podcast/inspire-change-with-gunter--3633478/support.PatreonIf this episode resonates with you and you'd like to go deeper into practical exercises and guided reflection, Gunter offers extended self-development resources and exercises through our Patreon community: www.patreon.com/inspirechangeSponsorDistil UnionThis episode of Inspire Change with Gunter is brought to you by Distil Union, creators of beautifully designed, functional everyday carry accessories that help bring organization, simplicity, and intention into your daily life.Distil Union blends craftsmanship with thoughtful design to help you carry what matters most — without the clutter.

Send us Fan MailWelcome to The Plaidchat- an extension of The Plaidcast where we expand upon conversations in our sport and discuss the most recent issue of The Plaid Horse Magazine. Today, Piper speaks with Ryan Haselden, our May/June cover feature story of The Plaid Horse magazine. Listen in and share with your friends!Host: Piper Klemm, publisher of The Plaid HorseGuest: Ryan Haselden is a 15-year-old show jumper that has ridden and competed all over the world, splitting her training time between Atlanta, Ocala and Ireland, and is currently showing in Regional Grand Prix around the southeast. She is also a vocal advocate for the training and use of CPR and AEDs (Automated External Defibrillators) at horse shows. Read about Ryan in the May/June print issue of the magazine. Read the Latest Issue of The Plaid Horse MagazineSubscribe To: The Plaid Horse MagazineSponsors: Taylor, Harris Insurance Services, Sentinel, Chewy and Mojo JointJoin us at an upcoming Plaidcast in Person live event!

NSP:314 — KillShot, Deep Apnea & the Real Shark Shield Story | Ed Martin Ed Martin is one of those blokes who genuinely can't help himself — after years running a dive shop, guiding charters, and building timber spearguns under the KillShot brand in the Florida Keys, he bought carbon fibre fin company Deep Apnea, got involved in bringing Shark Shield back to market, and watched it all peak and crash at the same time. He's since closed the shop, sold the boat, moved 400 miles north to an 80-acre former turtle farm near Ocala, and is now running two manufacturing businesses out of separate buildings he's literally wiring himself. This episode covers the real Shark Shield story, hard-won business wisdom for anyone thinking about turning their spearfishing passion into a paycheck, and an in-depth breakdown of carbon fibre fin construction — including why "soft, medium, hard" is a terrible way to choose your fins, and what actually matters. If you're a spearo who thinks about gear and business, this one's worth a full listen. KEY TOPICS COVERED: Why Ed closed his Florida Keys dive shop and what the real cost of chasing too many opportunities looks like The Shark Shield saga — why the Freedom 8 never made it back to shelves, and where to get one now (Sentinel Ocean Systems) How Deep Apnea carbon fibre fins are made: hand layup process, resin management, and why less resin means better performance Fin stiffness selection explained properly — body weight, dive frequency, depth, and the static deflection test Ed uses to compare flex The flip flop chest loading pad hack: how to rig a full thong with dyneema for an adjustable, depth-stable chest pad Business advice for aspiring spearo entrepreneurs: exit strategies, profit margins, and why you need to know when to walk What's next for Deep Apnea and KillShot — CNC automation, doubling accounts, and the dream of destination spearfishing CONNECT WITH ED: Deep Apnea Freediving Fins: deepapnea.com — use code NOOB10 for 10% off blades KillShot Spear Guns: killshotspearguns.com Sentinel Ocean Systems (new Freedom 8 / Shark Shield stockist): sentineloceansystems.com NOOB SPEARO: Spearfishing Courses and Retreats: spearfishingcourses.com.au Instagram: @noobspearo Website: noobspearo.com Newsletter: noob-spearo.kit.com/floater PARTNER DEALS: Adreno Spearfishing: spearfishing.com.au — use code NOOBSPEARO to save $20 on orders over $200 Neptonics: neptonics.com — use code NOOB10 to save 10% storewide Old Man Blue: oldmanblue.com.au — use code NOOBSPEARO for a free vinyl filleting apron on orders over $300 Aqualyte Hydration: aqualyte.com.au — use code NOOBSPEARO to save 10% Dog & Gun Coffee: dogandguncoffee.com — use code NOOB10 to save 10% HohnkeOutdoors: hohnkeoutdoors.com — use code NOOBSPEARO to save 20%

Brian sits down at the mic after wrapping a long-form interview for Sasquatch Odyssey with researcher Natalie Smearman, and what she shared in that recording was too good to keep on one show. This episode brings her story over to Backwoods Bigfoot Stories in full. Natalie grew up in West Virginia thinking the Bigfoot stories were just something parents told kids to keep them out of the woods, and a local news report out of central Florida about a sighting in the Ocala National Forest cracked that assumption open. From there she spent years reading everything she could get her hands on, eventually buying herself a VIP ticket to the Great Florida Bigfoot Conference as a birthday gift to herself in the middle of a divorce.That weekend put her in front of Adam Davis, R.P.G., and Ken Gerhard, and from that point forward she stopped being a hobbyist and started becoming a field researcher.The bulk of this episode covers the November twenty twenty-five expedition Natalie took with Relic Films into Land Between the Lakes, the one hundred and seventy thousand acre stretch of Kentucky and Tennessee forest that has a documented reputation for high strangeness. Brian walks listeners through Natalie's pheromone bait experiment with Obsession for Men and dollar store dog toys, the singing in the cemetery that calmed down whatever was watching them, the bathroom growl that started a quiet truce in the dark, and the encounter on the second night that broke open everything. Three crawler creatures emerging from a bluish-white oval of light on the ridge line. A charge stopped by bear spray. Cameras and phones and thermals all dying at once.A massive Bigfoot walking out from behind Natalie's truck and disappearing into thin air, witnessed only by her. Martin Groves driving two squatches out of base camp with a stick. Jim hunkered down in his tent the next night while these things pushed in on the hard campers and left the soft tents alone.Brian also covers Natalie's work at the Emmaus Asylum in Missouri and the perfect track she found there, her experience at the Ocala postage stamp where the government bought up land next to a river that whoops and screams across at night, the filming work in the Smokies that turned into the documentary The Vanished with Adam Davis, and a long discussion of the rake creatures that came out of that ridge line at LBL.Natalie's view on these creatures has shifted dramatically over the last year of fieldwork, and Brian asks her directly whether what she's seen has changed how she thinks about the subject. Her answer is honest, and it's the kind of answer that ought to give every flesh and blood researcher something to chew on.Find Natalie on Facebook, Instagram, TikTok, and YouTube under Natalie S. Smearman. Relic Films Media is on the same platforms.Their talk show Beyond the Ordinary is on YouTube. Natalie will be at the Townsend Bigfoot Festival on May first and second, the Ocala Bigfoot Conference on June thirteenth, and the Gatlinburg Bigfoot Conference on July twenty-fifth. The Vanished will be streaming on Tubi, Roku, and Amazon. Brian's full long-form interview with Natalie is available on Sasquatch Odyssey.You can reach Brian directly at brian@paranormalworldproductions.com.Have you experienced a Bigfoot sighting, Sasquatch encounter, Dogman experience, UFO sighting, or any unexplained cryptid or paranormal event deep in the woods? We want to hear your story.Email your encounter to brian@paranormalworldproductions.com for a chance to be featured on a future episode of Backwoods Bigfoot Stories.Backwoods Bigfoot Stories is a paranormal storytelling podcast featuring real Bigfoot encounters, Sasquatch sightings, Dogman reports, cryptid experiences, and true scary stories from the backwoods.Follow the show and turn on automatic downloads so you never miss a chilling encounter from the forest. Listen with the lights off… if you dare.

Discover the truth about omega-3, brain health, anti-aging eye treatments, and total body transformation—straight from the doctors. Today’s episode of Ask the Dr was hosted by Dr. Michael Lange, alongside Dr. Susan Summerton, with special guest Dr. John Poser, who added expert insight into aesthetics and anti-aging. We kicked off the show celebrating the Kentucky Derby and recognizing Ocala as a premier hub for world-class thoroughbred horses. We also sent well wishes to everyone enjoying the New Orleans Jazz Festival. Key Topics Covered: The Truth About Omega-3 Fish Oil A deep dive into why rTG (re-esterified triglyceride) omega-3 is far superior to the common ethyl ester (EE) form found in most supplements. Learn why absorption, purity, and effectiveness matter when choosing your omega-3. Brain Health, Mood & Cognitive Decline The doctors discussed natural ways to help reduce the risk of cognitive decline, dementia, and depression: Targeted nutrition Smart supplementation Exercise and lifestyle strategies Natural mood enhancement techniques Non-Surgical Eye Rejuvenation & Anti-Aging We explored advanced, non-invasive options to improve the appearance and function of the eyes: Upneeq for lifting droopy eyelids Peptide-based eye creams like OneSkin for smoother, healthier skin Nutritional support such as Fortifeye Rejuvenate for skin, hair, nails, and joints

No people were harmed in the making of this story. We can't say the same for Target's automatic doors. Chicago’s best morning radio show now has a podcast! Don’t forget to rate, review, and subscribe wherever you listen to podcasts and remember that the conversation always lives on the Q101 Facebook page. Brian & Kenzie are live every morning from 6a-10a on Q101. Subscribe to our channel HERE: https://www.youtube.com/@Q101 Like Q101 on Facebook HERE: https://www.facebook.com/q101chicago Follow Q101 on Twitter HERE: https://twitter.com/Q101Chicago Follow Q101 on Instagram HERE: https://www.instagram.com/q101chicago/?hl=en Follow Q101 on TikTok HERE: https://www.tiktok.com/@q101chicago?lang=enSee omnystudio.com/listener for privacy information.

The 50-year struggle (ongoing) to protect the spring and horse country against expressway building in North Central Florida is discussed this week.

Social media 'stunts' land two Ocala teenagers in jail, Woman who was 'twice the leagl limit drunk' put her Tesla in 'autopilot mode to get home...car ended up STOPPED in middle lane of I-75 at 2am, Homestead police investigate video of officer allegedly street racing driverSee omnystudio.com/listener for privacy information.

Social media 'stunts' land two Ocala teenagers in jail, Woman who was 'twice the leagl limit drunk' put her Tesla in 'autopilot mode to get home...car ended up STOPPED in middle lane of I-75 at 2am, Homestead police investigate video of officer allegedly street racing driver

Send us Fan MailClay Lehman spent 20 years in real estate, starting at Arthur Andersen, running the Ocala controller desk for Pulte Homes, and eventually building Lehman's Strategic Partners to help agents grow their businesses. He runs an AI Facebook group with members in 65 countries and now spends most of his time helping real estate pros turn AI from a shiny object into a revenue tool. If you're still using AI to write listing descriptions and calling it a day, this one will push your thinking.In this episode you'll learn:- Why Clay calls obscurity, not competition, the biggest threat to any real estate business- How the "eliminate, automate, delegate" framework turns documented processes into leverage- Which AI tools Clay actually uses daily, and how Gemini, Claude, and ChatGPT scored in his blind writing test- How Ed built an AI voice agent that gets a lead on the phone in 45 seconds, across five languages- Why the Harvard 391% rule makes speed-to-lead the single biggest edge in real estate today- How solo operators and small teams can look and act like companies many times their sizeResources Mentioned: Google NotebookLM for deal prep and process documentation. Gamma for instant presentations. ylopo for lead nurture automation.Takeaway: AI is a force multiplier, not a crutch. It levels the playing field on access, but experience and wisdom still do the heavy lifting. Use it as the spotter at the gym, not the guy lifting the weight.Elevista - Speed as a Service™Elevista Connect is the first AI-powered lead conversion system built for real estate investors. Heads up: If you find this week's book intriguing and you buy using our link, we receive a small commission that helps support the show. Thank you!

In this episode, I talk with F.K. Sterling to discuss his new book, In Search of Giants: A Worldwide Hunt for Living Legends. We dive into one of the most fascinating and controversial mysteries in hidden history: the idea that giants were real, that they once existed all over the world, and that traces of their presence have been preserved in ancient stories, sacred traditions, archaeological anomalies, and possibly even in certain bloodlines that remain on earth today. We talk about giant legends from many different cultures and why the sheer global consistency of these accounts may point to something far more than folklore.Our conversation also explores the possibility that some secret societies may have carried fragments of this forbidden knowledge through time, preserving ancient teachings connected to the giants, the Nephilim, and the lost world before the Flood. We get into the idea that some of the pre-Flood races may have been working with humanity and helping shape early civilization, while others may have had darker motives and a more controlling influence on the human story. It opens up a much bigger conversation about who these beings were, where they came from, and how their legacy may still be affecting us now.We also go into the deeper cosmic dimensions of this mystery, including connections to Mars and the Pleiadians, and how these threads may tie into a much older origin story for humanity than most people have ever considered. This is a really rich and thought-provoking conversation that moves through mythology, esoteric tradition, bloodline theories, ancient civilizations, and the possibility that the true story of our past has been intentionally hidden. Drop in!www.ancientozarks.comF.K. Sterling Bio:F.K. Sterling grew up in the wilds of Ocala, Florida, where early years spent hunting, fishing, and reading the land sparked a lifelong fascination with ancient mysteries. Now rooted in the Ozarks, a region steeped in folklore and unexplained traditions, Sterling draws on firsthand experience with a culture where legends of giants, wild men, and supernatural beings are part of everyday life.A researcher and writer specializing in Ozark folklore, ancient history, and unexplained phenomena, Sterling has contributed to Ancient American, Fate Magazine, Land of Promise, and Nexus Magazine, and has appeared on Gaia TV with Regina Meredith. Currently studying Anthropology and Art History at Arizona State University, he blends academic insight with the investigative instincts shaped by years in the Arkansas wilderness.Whether exploring giant traditions across the globe or documenting the living mythology of the Ozarks, Sterling writes with the grounded authority of someone who has learned to respect the mysteries others overlook. Hosted on Acast. See acast.com/privacy for more information.

The Horse Talk Show live Dr. Adam Cayot from Peterson Smith Equine Hospital + Complete Care discusses equine odontoclastic tooth resorption and hypercementosis. Learn more here ⬇️ Jennie Towner from Saddle Up Scholars shares her story about starting this great organization and partnering with organizations in multiple cities, including the Thoroughbred Retirement Foundation and the junior programs at Lowell Prison. Plus, Becky Jenkins from Grateful Gallops, Inc. shares the difference in what mobile services she can provide for horses, dogs, and people! Learn why Becky is different ⬇️ News and events, plus exciting partnerships with upcoming Donkey Daze, an inaugural event in Ocala on May 30th to benefit Brooke USA, with the Midwest Horse Fair coming right up in a couple of days, and the Defender Kentucky Three-Day Event too, and more….. Plus informative tips from Ocala Dog Ranch, Complementary Horsemanship, and the horseman's electrician, Pat from Pat Myers Electric

¡El mundo se va a joder nuevamente! Pero por lo menos tenemos el mejor resumen semanal antes de que Trump apriete los botones. Otra vez demandan a Pina por culpa de DY, Valiente está alegre porque sacaron a Ocean de Super Chef, y tenemos que volver a hablar del fenómeno que vino a cambiar los reality shows: una hacienda en Ocala donde abunda la diarrea. En este episodio no dijimos nada del retarda'o de Play porque nuestro contenido es para toda la familia… ¿o sí zumbamos algo? ¡Avísale a tu vecina que llegaron los que no se dejan neveL! ¡La fokin Hora Mach0rra!

Healing the hidden wounds of returning veterans is the mission of Soldiers Freedom Outdoors. CEO Dan DiMarco on the 7th Annual Soldiers Freedom Outdoors Appreciation Dinner at Circle Square Commons in Ocala.

Thursday - Hershey is changing their chocolate, Jimmy is watching Paradise, A.I. is catching litterbugs, the Army is making new grenades, everybody is moving to Ocala and we wonder who the new James Bond will be. Attorney Glenn Klausman with the Case of the Overgown Shrubbery for Colbert Court. Plus, JCS News, JCS Trivia & You Heard it Here First.

Thursday - Hershey is changing their chocolate, Jimmy is watching Paradise, A.I. is catching litterbugs, the Army is making new grenades, everybody is moving to Ocala and we wonder who the new James Bond will be. Attorney Glenn Klausman with the Case of the Overgown Shrubbery for Colbert Court. Plus, JCS News, JCS Trivia & You Heard it Here First. See omnystudio.com/listener for privacy information.

What happens when some serious horse people get together to try to better the sport? We're about to find out. On this episode, we're talking about what's next for the Thoroughbred aftercare industry and do weight-loss drugs exist for horses? Thanks for tuning in.Guests and Links Episode 146:Host: Justine Griffin, Award Winning Journalist with Down MagazineHost: Jessica Payne, International Event Rider for Payne EquestrianHost: Ellie Woznica Owner/Trainer of Double Barrel CreekDrink Recipe: Negroni BlancoGuest: Daniel Geitner, Grand Prix Show jumper and owner DFG Stables in Aiken & Ocala with his wife, CathyGuest: Kirsten Green, Retired Racehorse ProjectFeatured Image: Heels DownLink: Germany wins at Longines at WECLink: Tamie Smith wins three divisions at CarolinaLink: GLP-1s for horses?Product Review: Heels Down Holiday Gift Guide | Email Justine at Justine@heelsdownmedia.comSubscribe: The Brief | Heels Down Spark | Donate | Our PatreonJoin our Facebook Group: Search for “Heels Down Happy Hour Podcast Lounge“This episode is presented by: HITS, Ecogold, and listeners like you! Thank you to our sponsors!

What happens when some serious horse people get together to try to better the sport? We're about to find out. On this episode, we're talking about what's next for the Thoroughbred aftercare industry and do weight-loss drugs exist for horses? Thanks for tuning in.Guests and Links Episode 146:Host: Justine Griffin, Award Winning Journalist with Down MagazineHost: Jessica Payne, International Event Rider for Payne EquestrianHost: Ellie Woznica Owner/Trainer of Double Barrel CreekDrink Recipe: Negroni BlancoGuest: Daniel Geitner, Grand Prix Show jumper and owner DFG Stables in Aiken & Ocala with his wife, CathyGuest: Kirsten Green, Retired Racehorse ProjectFeatured Image: Heels DownLink: Germany wins at Longines at WECLink: Tamie Smith wins three divisions at CarolinaLink: GLP-1s for horses?Product Review: Heels Down Holiday Gift Guide | Email Justine at Justine@heelsdownmedia.comSubscribe: The Brief | Heels Down Spark | Donate | Our PatreonJoin our Facebook Group: Search for “Heels Down Happy Hour Podcast Lounge“This episode is presented by: HITS, Ecogold, and listeners like you! Thank you to our sponsors!

Two school bus drivers in Ohio jump into action when a fellow driver suffers a medical emergency and a bus rolls into the grass near a school. A Florida woman is charged after deputies say she used soapy water to blind her 83-year-old stepfather, then stabbed and beat him inside a home in Ocala. A woman in Maryland is convicted after a single sneaker left at a crime scene helps tie her to a carjacking attempt and shooting in Chevy Chase. Drew Nelson reports.See omnystudio.com/listener for privacy information.

Send us Fan MailPiper hosts Plaidcast in Person in front of a live audience at Live Oak International in Ocala, Florida with Jacob Arnold, Dr. Andrew Smith and Olaf Petersen. Brought to you by Taylor, Harris Insurance Services.Host: Piper Klemm, publisher of The Plaid HorseGuest: Jacob Arnold is one of the United States' top combined driving athletes. Originally from Snow Camp, NC, he began driving at age 8 with the family pony and went on to earn the title of USEF Junior Equestrian of the Year in 2011. He has represented the U.S. at five FEI World Championships and won the Single Horse Marathon at the 2014 World Championships. He is also a multiple-time USEF National Champion in both pair horses and pair ponies. Today, Jacob runs JA Combined Driving, where he continues competing at the highest levels of the sport while helping grow combined driving in the US.Guest: Dr. Andrew Smith is an equine surgeon at Peterson Smith Equine Hospital + Complete Care in Florida. A lifelong horseman who started out riding cutting horses as a teenager, he obtained his Doctor of Veterinary Medicine degree from the North Carolina State University College of Veterinary Medicine before completing a surgical residency and Ph.D at the University of Florida College of Veterinary Medicine. His research has focused on advanced imaging and new treatments for osteoarthritis in horses. Dr. Smith became board-certified by the American College of Veterinary Surgeons in 2017 and previously practiced at Woodside Equine Clinic in Virginia before returning to Florida. Guest: Olaf Petersen is an FEI Level 4 Course Designer, and has designed tracks for Longines FEI World Cup Qualifiers at over 13 locations in 10 different countries. His course designing career began in 1990, and he earned his International Course Designer status from the FEI in 2002. He served as Co-Course Designer at the Olympic Games in Athens in 2004. He then designed the Southeast Asian Games in Manila in 2005 and the Asian Games in Doha in 2006. Olaf returns to Live Oak International for the fifth time.Subscribe To: The Plaid Horse MagazineTitle Sponsor: Taylor, Harris Insurance ServicesSponsor: TerraNova Equestrian Center, Equine Affaire, Sentinel and World Equestrian Center Join us at an upcoming Plaidcast in Person event!

This week's Practical Horseman Podcast episode, sponsored by Equi-Analytical, is with hunter/jumper trainer and rider Amanda Steege. We talked to Amanda in mid-March as the winter circuit was winding down for her, her clients and her horses after solid performances at the World Equestrian Center – Ocala.To give you a little more background on Amanda, she grew up on her parents Red Acre Farm in Stow, Massachusetts. Amanda had a successful junior career in the equitation, hunter and jumper rings, then she went off to Boston College to figure out her future, only riding during the summers. After earning a psychology degree in 1998, she returned to the horse world ready to take the leap into becoming a professional. Amanda worked for several trainers before going off on her own and starting her premier hunter/jumper show, training and sales business, Ashmeadow Farm, based in Ocala, Florida, and Califon, New Jersey.Over the years, Amanda has had several top results in the hunter ring with horses such as Unseen, Candlelight, Kingpin, Mirror Image, Balou and, most recently, Laffite de Muze. With “Lafitte,” Amanda has won the 2021 $50,000 World Championship Hunter Rider (WCHR) Peter Wetherill Palm Beach Hunter Spectacular, 2024 and 2025 $25,000 USHJA International Hunter Derby at the Upperville Colt & Horse Show, 2025 High Performance Hunter Champion title at the Devon Horse Show and is a three-time winner of the WCHR Professional Challenge (2018, 2024 and 2025)—just to name a few of their results.In our discussion, Amanda talks about what she enjoys about the hunter discipline, her training philosophy, her special partnership with Lafitte and more.About This Episode's Sponsor, Equi-AnalyticalAt Equi-Analytical, we know the importance of a well-balanced diet for your horse. Our laboratory can test hay, pasture, water or any type of feed you give to your horse and provide a nutrient analysis report. This information is significant for the well-being of your horse. To learn more or submit a sample for testing, visit equi-analytical.com today!

This week's Practical Horseman Podcast episode, sponsored by Equi-Analytical, is with hunter/jumper trainer and rider Amanda Steege. We talked to Amanda in mid-March as the winter circuit was winding down for her, her clients and her horses after solid performances at the World Equestrian Center – Ocala.To give you a little more background on Amanda, she grew up on her parents Red Acre Farm in Stow, Massachusetts. Amanda had a successful junior career in the equitation, hunter and jumper rings, then she went off to Boston College to figure out her future, only riding during the summers. After earning a psychology degree in 1998, she returned to the horse world ready to take the leap into becoming a professional. Amanda worked for several trainers before going off on her own and starting her premier hunter/jumper show, training and sales business, Ashmeadow Farm, based in Ocala, Florida, and Califon, New Jersey.Over the years, Amanda has had several top results in the hunter ring with horses such as Unseen, Candlelight, Kingpin, Mirror Image, Balou and, most recently, Laffite de Muze. With “Lafitte,” Amanda has won the 2021 $50,000 World Championship Hunter Rider (WCHR) Peter Wetherill Palm Beach Hunter Spectacular, 2024 and 2025 $25,000 USHJA International Hunter Derby at the Upperville Colt & Horse Show, 2025 High Performance Hunter Champion title at the Devon Horse Show and is a three-time winner of the WCHR Professional Challenge (2018, 2024 and 2025)—just to name a few of their results.In our discussion, Amanda talks about what she enjoys about the hunter discipline, her training philosophy, her special partnership with Lafitte and more.About This Episode's Sponsor, Equi-AnalyticalAt Equi-Analytical, we know the importance of a well-balanced diet for your horse. Our laboratory can test hay, pasture, water or any type of feed you give to your horse and provide a nutrient analysis report. This information is significant for the well-being of your horse. To learn more or submit a sample for testing, visit equi-analytical.com today!

It's Wednesday, March 18th, A.D. 2026. This is The Worldview in 5 Minutes heard on 140 radio stations and at www.TheWorldview.com.  I'm Adam McManus. (Adam@TheWorldview.com) By Jonathan Clark and Timothy Reed Swedish Christian family guilty of “religious extremism” for going to church The European Court of Human Rights refused to hear an appeal of a Swedish Christian family in a case involving parental rights and religious freedom. Back in 2022, officials in Sweden separated Daniel and Bianca Samson from their two eldest daughters. The state found no evidence of abuse but accused the family of “religious extremism” for simply attending church three times a week. Morales Sancho, Legal Counsel for Alliance Defending Freedom International, stated, “The element of religious discrimination is also unmistakable in this case. The state labeled the family as religious extremists solely because of their active practice of their Christian faith.” Psalm 14:4 asks, “Have all the workers of iniquity no knowledge, who eat up My people as they eat bread, and do not call on the LORD?” Swedish population embraces sexual perversion Sadly, people in Sweden are the most likely to view homosexuality as morally acceptable in a recent Pew Research survey. The study surveyed 30,000 people across 25 countries. People in European countries were also among the most likely to be morally accepting of homosexuality, abortion, and divorce.   Christianity's decline in England People in Britain are worried about the decline of Christianity in the nation. A study by Whitestone Insight found that 52% of Brits believe that drifting from their Christian roots is bad for future generations. Fifty-eight percent also said that Christianity plays a beneficial role in public life.  This comes as Christian identification has declined. Only 44% of adults in Britain identified as Christian last year, down from 54% in 2018. Carrie Prejean, who objected to Zionism, was fired by Trump's religious liberty commissionIn the United States, a member of the U.S. President's Religious Liberty Commission, Carrie Prejean Boller, was removed from her position after she registered opposition to Zionism last month.  A recent convert to Catholicism, Boller challenged the tenets of Zionism, claiming they were incompatible with her faith. She also sent a letter to President Donald Trump after her removal, explaining her misgivings. She appeared on the podcast of LifeSiteNews.com editor John-Henry Western. BOLLER: “I know there's three Catholics that are thinking about running for president in 2028 so I don't think now is the time to really dismiss Catholics, fire Catholics, remove Catholics, simply because I'm standing up for my Catholic faith. “So, I'm hopeful that he's going to make the right decision. Otherwise, this religious liberty commission should be completely shut down. If I don't have my religious freedom on a Religious Freedom Commission, it's not a religious freedom commission.” Christian workplaces thrive Employees in Christian-led workplaces report high levels of engagement in their work according to a new report.  The State of the Christian Workplace 2026 report released new data on 40,000 employees in over 400 Christian organizations in the U.S. Sixty-one percent of employees in Christian-led workplaces reported being engaged in their work. These engagement levels are nearly twice that of the U.S. workforce overall.  Jay Bransford, President & CEO of Best Christian Workplaces, noted, “Engaged employees bring energy, enthusiasm, commitment, and passion that directly fuel Kingdom impact.” Colossians 3:23-24 says, “Whatever you do, do it heartily, as to the Lord and not to men, knowing that from the Lord you will receive the reward of the inheritance; for you serve the Lord Christ.” U.S. federal workforce shrunk by 10.3% Pew Research reports that the U.S. federal workforce shrank by 10.3 percent in 2025.  Nearly 350,000 people quit, retired, were laid off, or otherwise left the federal government last year. That's an 80 percent increase compared to 2024. Agencies with the most job cuts included the U.S. Agency for International Development, the National Endowments for the Arts and the Humanities, and the Education Department. 18-year-old rescues brother from axe-wielding man And finally, an 18-year-old is thanking God after protecting his brother from an ax-wielding man in Florida over the weekend.  Fox News reports Leodan Pino and his 16-year-old brother were closing up a car wash in Ocala. That's when the suspect approached while yelling and threatening.  Pino told the man he had to leave. The man refused and pulled out an ax.  Thankfully, Pino is a military recruit and trained in mixed martial arts. He proceeded to execute a take down and subdued the suspect until police arrived.  Listen to his comments afterward.  PINO: “I'm very thankful that God gave me the opportunity and gave me the strength to be able to control that situation. Very thankful that I was the one closing with my brother and no one else was. Because I'm not too sure if any of my co-workers would have done the same thing as I would have.” Close And that's The Worldview on this Wednesday, March 18th, in the year of our Lord 2026. Follow us on X or subscribe for free by Spotify, Amazon Music, or by iTunes or email to our unique Christian newscast at www.TheWorldview.com.  Plus, you can get the Generations app through Google Play or The App Store. I'm Adam McManus (Adam@TheWorldview.com). Seize the day for Jesus Christ.

Evelyn Kelly, PhD, based in Ocala, Florida, is an accomplished writer, speaker, and educator with a deep passion for exploration and learning. She holds a Ph.D. from the University of Florida, a master's degree, and a Bachelor of Arts from the University of Tennessee, where her studies spanned microbiology, English, and history. With 22 published books to her name—including works on stem cells and a comprehensive two-volume encyclopedia of genetics—Evelyn has taught at four universities. Natalie Kelly, MS, resides in Tallahassee, Florida, where she serves as the Chief Executive Officer of a state organization and is a seasoned writer and public speaker. She earned both her M.S. in Communications and B.S. in Visual Arts and Communications from The Florida State University. Over her 35-year career, Natalie has held prominent leadership roles, including being the youngest female staff director in the Florida Senate and a director in Washington, DC. She has also run her own public relations and lobbying firm. In episode 657 of the Fraternity Foodie Podcast, we find out how a mother-daughter duo ended up traveling the world together, what keeps Evelyn motivated and adventurous at age 91, how college students can realistically plan an unforgettable trip on a tight budget, why national parks are such powerful travel experiences, what makes them special for Gen Z travelers, how travel helps students reset mentally and emotionally, what is their best tips for car-camping or road trips to keep costs low, what makes America so unique to explore, what advice they would give students about traveling with parents, grandparents, or siblings, and what should be your first step in planning an adventure. Enjoy!

In this episode, Axel sits down with Gabe Bowling — founder of The Deal Room, active multifamily investor, and operator for a return appearance on the podcast. Gabe shares how he went from raising capital for Grant Cardone's funds to building his own 405-unit, $65M portfolio across Florida and Missouri, and what he's learned in the process of transitioning from third-party property management to running operations fully in-house.The conversation gets highly tactical, covering the real pain points of bringing management in-house, how it's changing the way Gabe underwrites and evaluates deals, and what the Florida multifamily market actually looks like right now — market by market. Axel and Gabe also spend significant time on practical advice for new investors looking to do their first deal or level up to their next one.This episode is a must-listen for operators looking to improve their operational infrastructure, understand the current Florida market, and get clear on the most efficient path to that first or next deal.Join us as we dive into:How Gabe went from Grant Cardone's investor relations team to operating a $65M multifamily portfolioThe co-sponsorship pathway: how partnering with experienced operators enabled Gabe to build his track recordWhy third-party property management underperformed and what pushed Gabe to bring management fully in-houseThe hard lessons from taking over a 68-unit deal and evicting 10% of residents in the first monthWhy tenant creditworthiness and existing application quality are now a top due diligence priorityHow bringing management in-house is opening up smaller deals (16–32 units) that previously didn't pencil with third-party feesA market-by-market breakdown of Florida: Tampa, Ocala, Daytona, St. Pete, Fort Lauderdale, Miami, and OrlandoWhy Gabe is bullish on late 2025 through 2026 as a strong entry window for multifamily acquisitionsPractical advice for new investors: start in your backyard, focus on 5–30 units, and build 1–2 capital relationships before you need themGabe's previous episode: https://www.buzzsprout.com/2233723/episodes/14897814Connect with Gabe:Follow him on Instagram (@multifamily) Watch on YouTube (search "Gabe Bowling" or "The Deal Room") Visit The Deal Room at thedealroom.ioAre you looking to invest in real estate, but don't want to deal with the hassle of finding great deals, signing on debt, and managing tenants? Aligned Real Estate Partners provides investment opportunities to passive investors looking for the returns, stability, and tax benefits multifamily real estate offers, but without the work - join our investor club to be notified of future investment opportunities.Connect with Axel:Follow him on InstagramConnect with him on LinkedinSubscribe to our YouTube channelLearn more about Aligned Real Estate Partners

This week Steve dons his racing silks and takes the listener to 800-horse two-year old thoroughbred sale in Ocala, Florida for a day of education and inspiration.   Rarely does he do anything that doesn't bring him full circle to his world of working dogs. The world of coon hunting, especially concerning the animals that are central to the sport, has many parallels to the horse-racing game. We extoll the value of breeding and proof of ancestry through pedigrees for dogs and horses, we value reproduction success and keep records of performance of the offspring by listing wins, earnings and titles on registration documents.   But, rounding the clubhouse turn and heading home, the ponies stretch out the lead in terms of providing the information and vehicle to move the top-performers into the winner's circle. With thoroughbred racing, breeders, trainers and owners are privy to a plethora of information in print and online that coonhound enthusiasts can only dream about..  Steve's visit to a sale of national prominence held in an unrivaled venue allows him to fantasize about the possibilities of the same type of program for coonhounds and ends with the question, “Who is the best coonhound trainer in the world?”    We would like to thank those who support this podcast.  Special thanks to Double U Hunting Supply for sponsoring this episode.   www.dusupply.com https://www.youtube.com/@DoubleUHuntingSupply/podcasts Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

This week Steve dons his racing silks and takes the listener to 800-horse two-year old thoroughbred sale in Ocala, Florida for a day of education and inspiration.   Rarely does he do anything that doesn't bring him full circle to his world of working dogs. The world of coon hunting, especially concerning the animals that are central to the sport, has many parallels to the horse-racing game. We extoll the value of breeding and proof of ancestry through pedigrees for dogs and horses, we value reproduction success and keep records of performance of the offspring by listing wins, earnings and titles on registration documents.   But, rounding the clubhouse turn and heading home, the ponies stretch out the lead in terms of providing the information and vehicle to move the top-performers into the winner's circle. With thoroughbred racing, breeders, trainers and owners are privy to a plethora of information in print and online that coonhound enthusiasts can only dream about..  Steve's visit to a sale of national prominence held in an unrivaled venue allows him to fantasize about the possibilities of the same type of program for coonhounds and ends with the question, “Who is the best coonhound trainer in the world?”    We would like to thank those who support this podcast. Special thanks to Double U Hunting Supply for sponsoring this episode. www.dusupply.comhttps://www.youtube.com/@DoubleUHuntingSupply/podcasts

This week Steve dons his racing silks and takes the listener to 800-horse two-year old thoroughbred sale in Ocala, Florida for a day of education and inspiration.   Rarely does he do anything that doesn't bring him full circle to his world of working dogs. The world of coon hunting, especially concerning the animals that are central to the sport, has many parallels to the horse-racing game. We extoll the value of breeding and proof of ancestry through pedigrees for dogs and horses, we value reproduction success and keep records of performance of the offspring by listing wins, earnings and titles on registration documents.   But, rounding the clubhouse turn and heading home, the ponies stretch out the lead in terms of providing the information and vehicle to move the top-performers into the winner's circle. With thoroughbred racing, breeders, trainers and owners are privy to a plethora of information in print and online that coonhound enthusiasts can only dream about..  Steve's visit to a sale of national prominence held in an unrivaled venue allows him to fantasize about the possibilities of the same type of program for coonhounds and ends with the question, “Who is the best coonhound trainer in the world?”    We would like to thank those who support this podcast.  Special thanks to Double U Hunting Supply for sponsoring this episode.   www.dusupply.com https://www.youtube.com/@DoubleUHuntingSupply/podcasts Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Life doesn't always make sense.There are seasons where everything feels wrong — delays, disappointments, pain, uncertainty.But what if the moment you're in isn't the end of the story?In this message from Church of Hope in Ocala, Florida, we explore the powerful truth from Revelation 22:13 that Jesus is the Alpha and the Omega — the Beginning and the End. If God holds the beginning and the end of your story, you can trust Him with the middle.Throughout Scripture we see people who experienced moments that looked wrong in the moment:• Job experienced unimaginable suffering• Joseph was betrayed and forgotten• David hid in caves• Mary faced rejection• Jesus was crucifiedYet God was writing a greater story.This message will encourage you to:• Trust God when life feels uncertain• Embrace the season you're in• Endure difficult chapters with faith• Remember that delay is not denialNo matter what you're facing today, God is already standing in the future you're worried about.If you're struggling, waiting, or wondering what God is doing in your life, this message will remind you that your breakthrough may already be scheduled in God's plan.Subscribe for more messages from Church of Hope.#trustgod #christianencouragement #alphaandomega #faithinhardtimes #biblesermon

John Force Racing's new Top Fuel driver, Josh Hart, stops by the Total Seal booth to preview his 2026 NHRA Drag Racing season. Spoiler Alert: He did pretty well by winning his first race! Hart who also owns the massive BURNYZZ Speed Shop in Ocala, Florida discusses learning from the legend John Force, and the automotive high-performance industry as a whole.

On America at Night with McGraw Milhaven, Paul Canton, a U.S. military veteran from Ocala, joined the program alongside his attorney Elizabeth Ricci to discuss his fight against deportation, highlighting the legal complexities and emotional toll facing veterans caught in immigration battles. Next, Don Gerspach, National Director and President of the Missing in America Project, shared how volunteers across the country work to identify, recover, and provide proper military burials for unclaimed veterans, ensuring they receive the honors they earned in service. The show also featured author Chris Jennings, who discussed his book End of Days: Ruby Ridge, the Apocalypse, and the Unmaking of America, examining the events surrounding the Ruby Ridge standoff and its lasting impact on American politics, law enforcement, and public trust. Learn more about your ad choices. Visit podcastchoices.com/adchoices

Jason is in Ocala and talks about scene at the March sale. Then we welcome in Mike Mutnansky from Barstool Sports to talk about his trip to NHC, trying to qualify, racing content world, and more! 

Is the Ford 410 sprint car engine program actually coming back, or did something major just go sideways behind the scenes? A leaked diecast, a missing logo, and some very interesting comments have the rumor mill spinning again. Plus, weekend winners from Ocala to California, tire drama, a Sweet retirement tour victory, and more movement as the sprint car season starts heating up.

In a world where influence shapes our communities, few stories resonate as deeply as that of Dr.Manal Fakhoury. From migrating from Palestine as a young girl, to her roots in Southern California, to the life she shaped with her family in Ocala, Florida, Manal embodies the essence of a true woman of influence. Join us as we explore her inspiring journey, her commitment to community, and the lessons she has learned along the way.  Dr. Manal Fakhouy is the Organizer and Curator of TEDx Ocala, President of ollinwomen.org, and founder of Fakhoury Leadership International. These are only a few of the accomplishments she has had and in this episode you will get to hear her stories and benefit from her wisdom.  Start your free Solution-Focused  3-day training here: https://www.thefocusedmindset.com/leadwithhopechallenge  You want to have meaningful conversations, but relationships are complicated, and opportunities are missed. This is why I created the three-day conversation navigation challenge, and you can now join for free with this link.   TEDx: How to Lead with Hope: Solution Focused Conversation Navigation https://youtu.be/Am3ZoF53BS0?si=ZaflEtnhsdjgJ2oN Instagram: Cher Kretz The Focused Mindset Podcast https://www.instagram.com/cherkretz_thefocusedmindset/ TikTok: @Cher Kretz The Focused Mindset https://www.tiktok.com/@cherkretz?lang=en  Tip Jar:  Your generous support helps me create more free resources and keep this podcast going strong. Thank you. https://thefocusedmindset.ck.page/products/tips-4-cher  

The news hit like a thunderclap: Jeff Galloway, the voice behind run-walk-run and a steady light at so many runDisney start lines, has passed away. We pause to honor the coach who made marathons feel possible, share early thoughts through the shock, and invite everyone at Princess Weekend to carry his legacy in the miles ahead.From there, we shift into a packed, upbeat show that keeps community at the center. We break down the new Marathon Weekend artwork and what Donald's 30th half marathon anniversary might mean for medal design and race-day energy. Then we revisit Springtime Surprise medals—initially “simple,” until we spot the glitter and fluid movement that will pop in person. On the expo front, we debate the Brooks Princess releases: Rapunzel braids on laces, bold character palettes, why specific IP sells better than weekend branding, and where a Merida colorway could still shine. It's practical talk for anyone timing their expo line or eyeing limited drops.Our spotlight guest, Kristen of Running in Makeup, returns with real-world wisdom. After an injury and a purposeful pause from filming, she details how stepping back sharpened training, improved form, and delivered a 30-minute marathon PR. We trade chaotic race-morning tales (forgotten insoles!), celebrate inventive costumes (a Joffrey's coffee cup for the win), and lean into her post-long-run Dr Pepper ritual rooted in Baylor and Waco lore. The heart of it: how runners balance creativity, goals, and recovery without losing joy.We close with a sweeping Princess roll call and a coast-to-coast race report: Vegas lights and PRs, a gritty urban ultra in Ocala navigating painted horse statues, and the beloved Gasparilla challenges with donuts, sprinklers, and rainy-day grit. Whether you're chasing a first 5K or stacking a multi-race weekend, you'll find tips, laughs, and a reminder of why we show up for one another—especially now.If this moved you, subscribe, share with a running friend, and leave a review. Tell us: how will you honor Jeff in your next run?Running in Makeup YouTube ChannelRunning in Makeup on InstagramRise and Run LinksRise and Run Podcast Facebook PageRise and Run Podcast InstagramRise and Run Podcast Website and ShopRise and Run PatreonSend a textSupport the showRise and Run Podcast is supported by our audience. When you make a purchase through one of our affiliate links, we may earn a commission. As an Amazon Associate we earn from qualifying purchases.Sponsor LinksMagic Bound Travel Stoked Metabolic CoachingRise and Run Podcast Cruise Interest Form with Magic Bound Travel Affiliate Links The Start Line Co.Fluffy FizziesMona Moon Naturals Rise and Run Amazon Affiliate Web Page Kawaiian Pizza ApparelGoGuarded

Speedweeks rolls on for the Lucas Oil Late Model Dirt Series at Ocala, and even with a totally different track layout, it's been the same heavy hitters up front. With points going live tonight, Jonathan Davenport making his debut, RTJ trying to dig out of an early hole, and bigger fields rolling in, things are about to get serious in Florida. Plus, I've got a serious rant about an embarrassing wave of something I've seen popping up across dirt racing, and why this lazy nonsense is hurting the sport more than helping it.

The Dirt Reporters Episode 251: Ocala preview by DirtonDirt.com

It's all eyes on the Lucas Oil Late Model Dirt Series at Ocala where non-points races, drop nights, and a tight championship fight could completely reshuffle the order. Can Brandon Overton hold off Hudson O'Neal and Devin Moran while Ricky Thornton Jr. tries to dig out of a 200-point hole before Golden Isles? Plus sprint car season is about to erupt as the World of Outlaws Sprint Car Series head back to Volusia, Central PA invades Bike Week, and two teenage standouts keep turning heads with the ASCS National Tour in Arizona.

Ever wanted to go to Florida for the winter but don't know where to start? We've got you covered. This month, we're talking about what Justine learned from attending an equine dissection and… haven't you always wanted to try combined driving? One of the world's leading athletes tells us all about it. Thanks for tuning in.Guests and Links Episode 145:Host: Justine Griffin, Award Winning Journalist with Down MagazineHost: Jessica Payne, International Event Rider for Payne EquestrianHost: Ellie Woznica Owner/Trainer of Double Barrel CreekDrink Recipe: Bloody MariaGuest: Doug PayneGuest: Chester WeberGuest: Gabby Hale, Victory Equine ServicesFeatured Image: Erin Gilmore PhotographyLink: Mimi Gochman Clinches World Cup Final Spot With Ocala WinLink: USEF Drops Talent Search Finals Horse Swap To Reflect Direction Of Modern JumpingLink: National Horse Show Plans Move To TryonProduct Review: Heels Down Holiday Gift Guide | Email Justine at Justine@heelsdownmedia.comSubscribe: The Brief | Heels Down Spark | Donate | Our Patreon

Register here to attend the live virtual event "Why Central Florida is the Year's Most Compelling Housing Market" on Thursday, February 19th at 8pm Eastern. Keith explores how a shift in mindset can change the way you build wealth, why so many new landlords are entering the market, and what recent economic trends could mean for future rents.  You'll also hear how one Florida investor is navigating a changing housing landscape, and learn about a timely opportunity in one of the country's fastest‑growing real estate markets—all without needing to be a hands-on landlord. Resources: Register for the event at GREwebinars.com Episode Page: GetRichEducation.com/593 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  For predictable 10-12% quarterly returns, visit FreedomFamilyInvestments.com/GRE or text  1-937-795-8989 to speak with a freedom coach Will you please leave a review for the show? I'd be grateful. Search "how to leave an Apple Podcasts review"  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— GREletter.com  Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Keith Weinhold  0:01   Welcome to GRE. I'm your host. Keith Weinhold, the risk of delayed gratification is denied gratification. There's a new wave of landlords. Wages are rising faster than both inflation and home prices. Learn what that's going to mean for rents. Hear the voices of five different Federal Reserve chairs, then GRE announces our biggest event of the year, and you're invited today on get rich education.   Corey Coates  0:32   Since 2014 the powerful get rich education podcast has created more passive income for people than nearly any other show in the world. This show teaches you how to earn strong returns from passive real estate investing in the best markets without losing your time being a flipper or landlord. Show Host Keith Weinhold writes for both Forbes and Rich Dad advisors and delivers a new show every week since 2014 there's been millions of listener downloads of 188 world nations. He has a list show guests include top selling personal finance author Robert Kiyosaki, get rich education can be heard on every podcast platform, plus it has its own dedicated Apple and Android listener phone apps build wealth on the go with the get rich education podcast. Sign up now for the get rich education podcast or visit get rich education.com   Keith Weinhold  1:16   mid south home buyers, with over two decades is the nation's highest rated turnkey provider, their empathetic property managers use your return on investment as their North Star. It's no wonder smart investors line up to get their completely renovated income properties like it's the newest iPhone headquartered in Memphis, with their globally attractive cash flows, mid south has an A plus rating with the Better Business Bureau and 4000 houses renovated, there is zero markup on maintenance. Let that sink in, and they average a 98.9% occupancy rate with an industry leading three and a half year average renter term. Every home they offer you will have brand new components, a bumper to bumper, one year warranty, new 30 year roofs. And wait for it, a high quality renter in an astounding price range, 100 to 150k GET TO KNOW mid south enjoy cash flow from day one at mid southhomebuyers.com that's mid southhomebuyers.com   Corey Coates  2:19   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  2:35   Welcome to GRE from the Adriatic Sea to the Atlantic Ocean and across 188 nations worldwide, I'm Keith Weinhold, and this is get rich education. Sometimes we all need a mindset reset, and this can include me. Sometimes. James clear, the author of atomic habits, says there are four types of wealth, financial wealth, which is money, social wealth, which is status, time, wealth which is freedom, and physical wealth, which is health. Be wary of jobs that seduce you with one and two but rob you of three and four. That is to say, be careful with jobs that seduce you with financial and social wealth but rob you of time and physical wealth that is definitely going to happen to you during your life, especially early in your working career. But many people, even most people, they don't do much about this. They just go on and on, selling their soul to their employer for decades. Sometimes paychecks aren't compensation. They're a bribe from an employer to give up your dreams early in your career, delayed gratification actually makes some sense, because you need capital formation, you need down payments, you need dry powder. That is totally fair and the time in your life for delayed gratification. But there's a point that most people miss, the point where delayed gratification quietly mutates into denied gratification. This is huge. Most people miss this inflection point. When is this point in your life? That's when I'll do it later becomes, well, I guess I never did it at all. They look up at what they've got at age 65 and realize that they have a respectable title. They still wear Dockers pants. They have a 401, K that they must start paying tax on, and knees that creak louder than. The front door. Compound Interest hardly outpaces taxes and inflation. That's just going to keep you in one spot, you know, and you're never going to get that time back. There is no do over there. So you need to get to the point where you can be more frugal with your time than your money. Younger people have a harder time adopting this mindset, and that's a little natural, because they have more time and less money. Sooner than later, you must desperately get financially free so that you can simply be your self workaholics, optimize income instead of assets, and you can't let that happen, because labor does not compound and capital does compound, your quality of life will exceed your cost of living when your life is funded by what you own, not by what you do that takes a different mindset. You can either be a conformer or you can build wealth when you invest in real estate that pays five ways. It's like what you're doing is buying future Tuesdays, where you never have to work again and then later, add on future Wednesdays, where you never have to work again because you got the compound leverage instead of the impotent compound interest. I mean, just consider your two and a half million dollar portfolio that is passively doing the same work as someone who sells 40 to 50 hours a week of their life away for 100k in yearly salary. All right, maybe you're thinking, Oh, that all sounds thought provoking, but if you're not engaged on that, it can sound airy and philosophical and even risky. It's sort of like, yeah, you're cueing the acoustic guitar music and slow motion images of someone pensively gazing at a sunset.   Keith Weinhold  7:12   All right, what is the concrete plan? It's not all about mindset. It only starts with mindset. You got to make that actionable. Well, we constantly provide concrete plans for you here on this show, and I've got another concrete plan for you toward the end of the show today. This harkens back to what I discussed with you seven weeks ago, seven episodes ago on the show. That's when I discussed the world's first billionaire, John D Rockefeller and his enduring quote from about 100 years ago, he who works all day has no time to make money. Yeah, that's the quote a little review. What you learned seven episodes ago is that Rockefeller meant, if you spend your life doing tasks, you're never going to rise high enough to own things that pay you for life. The bottom line here is that earning a living is a distinctly different activity than building wealth. That's what we're talking about here.    Keith Weinhold  8:14   Well, there is a new wave of landlords entering the market, and they are reshaping what owning rentals looks like. One survey by rental platform avail of nearly 2000 users. It's really influential. It found that 53% of landlords became landlords in the last five years. So you have a lot of new landlords with the most 17% of landlords entering the market in just the last year, most purchased a property specifically to rent it out, and 1/3 sort of backed into this business by renting out their former residence. Of course, some people want to rent out their former residence today, if they got locked into that sexy owner occupied three and 4% financing from 2022 and earlier, the survey went on to tell us with some really good takeaways here, 72% of landlords manage between one and four units, and this avail survey. I mean, it's just another one that shows that the majority of landlords operate small portfolios, classic mom and pop investors. That one's not too surprising. The top three reasons that landlords gave for entering the rental market, they're pretty interesting. The number one reason for getting into this at 41% of respondents is building long term wealth. Next 33% for generating passive income, and the third most popular one, it's a distant third, it is preparing for retirement at 13% so building long term wealth is the number one reason for getting into this, and that is the right reason. Them when it comes to ownership structure, 64% said that they own the property individually, whether that's through a single member LLC or in their own name, doing it, yeah, individually, rather than with a family member or a business partner. So really, the summary of this terrific, recent avail landlord survey is that if you're just getting started, you're not alone. A lot of people are most own properties solely in their own name, and the number one reason for doing it is to build long term wealth. Now there's another pervasive set of economic trends out there in the broader economy, but it's really a benefit for real estate investors, and that is the fact that wage growth has now outpaced consumer price growth for three years. Yeah, another way to say that is that wage growth has outpaced inflation for fully three years. Yeah, most people just aren't feeling it yet. So you might be taken somewhat aback by that, and why aren't people feeling that wage growth is faster than inflation, the pandemic inflation spike that was so huge, it was like getting hit with a freight train, and then someone tells you, good news, the train has stopped. Yeah, that's nice. You are still lying on the tracks, rubbing your ribs. That's because we're all still absorbing spiked prices for everything from a lumber two by four to a York Peppermint Patty, year over year, wages are up 3.8% and consumer inflation is 3% All right, so wages above inflation, that means things are getting a little more affordable, but both wages and inflation have grown faster than home prices, which have only grown about one and a half percent, and this is all per the BLS in the FHFA, so wage growth Being more than double home price growth. Well, that trend really makes properties more affordable, but historically, they're still not that affordable. Everybody knows that home prices soared until about 2023 that was the turning point, and now wages are in their catch up phase. All right, but what really matters to real estate investors is, when will this wage growth translate to rent growth, historically, big rent growth that lags big home price growth by about two to four years. So you have the big home price growth, big rent growth hits two to four years later, historically. Now, if that holds true, we should finally see substantial rent growth this year or next year. Rent growth has still been pretty soft in the one to four unit space, and even there are rent decreases in the overbuilt apartment space. Future income growth promises to make homes more affordable. Affordability has already improved, with mortgage rates hovering near three year lows. There's one problem, though, that most people overlook, and that is this wage growth has been skewed toward the higher income deciles, renters, especially workforce renters, they don't feel it until later. So this 3.8% wage growth, it's heavier for higher income people, and it's lighter for lower income people. I swear, when there are enriching economic trends, it always hits the higher income people first, and it doesn't trickle down until later. So if you as an investor, are positioned before the rent wave hits, you are surfing, and if you wait to feel it, you're swimming behind the boat. Higher wages should translate to higher rents in the next one to two years. And as far as some other forces, as we all know, the man occupying the oval office in the White House, the President, he wants lower rates. The current Fed Chair isn't so willing to do that. The next one, the one he appointed, Kevin Warsh, who arrives in May. He seems more receptive to lower rates, but it's gonna take a while. It all moves so slow. We have had 16 fed chairs before worsh over 112 years. And look how much of an econ nerd Are you? Are you as bad as me? These voices are in chronological order, and I can name each speaker.   Corey Coates  14:47   You're going to have to live with the fact that forecasts have a range of uncertainty, irrational exuberance.   Corey Coates  14:54   In my opening remarks, I'd like to briefly first review today's policy decision, but   Corey Coates  14:58   first I'll review recent. Economic developments in the Outlook, and we are well positioned to wait to see how the economy evolves.   Keith Weinhold  15:06   If you can name each of those speakers, I would love to give you a free property from gremarketplace.com but I can't quite swing that in order. Those voices are Paul Volcker. He served from 1979 to 87 he was known for crushing double digit inflation by jacking rates to near 20% it was painful medicine, but it worked the next one. Alan Greenspan sir, from 1987 to 2006 that was a long reign, almost 20 years. He oversaw the 90s economic boom, the.com bubble and the early housing bubble. Years so far, Greenspan is the only Fed chair that I have met in person. Then Ben Bernanke, he was the Fed chair from 2006 to 2014 he took the helm right before the 2008 financial crisis. He rolled out QE and emergency lending on an historic scale. In fact, he was nicknamed helicopter Ben because it's like he would print so much money that he just dropped it out of huge sacks, dollar bills in huge sacks, dropping them from an airplane, metaphorically, not literally. Then Janet Yellen, 2014 to 2018 she kind of continued this post crisis normalization, and she was the first woman to chair the Fed and then, of course, Jerome Powell serving from 2018 to 2026 he navigated the covid stimulus, ultra low rates. And then after that, the fastest rate hiking cycle in decades to fight inflation back in 2022 being the Fed chair is the most important job in this economy, and over the decades, there's been more of a movement of the fed into the public eye. You just hear about them more in the media than you used to. But like I touched on last week, it just still doesn't mean as much to real estate investors as a lot of people think, people sometimes look for someone else to come save them, but it's more about you and the choices that you make that's what means more housing supply and demand means more real estate investors have profited during every one of those Fed Chair reigns, which go back almost 50 years from Volcker to today, I think everybody knows that fed chairs don't control property prices, and they don't even control long term interest rates. What's a little paradoxical is that Trump has been vocal about how he wants more affordable home prices, yet at the same time he wants existing homeowners to have their home prices go up, those two things seem to be in tension. They're in conflict with each other. The only way you can possibly get both are through lower mortgage rates. But is he going to see later today you as a GRE follower, you don't have to wait for lower rates income, property still feels less affordable than it did five years ago, because it is that's real but here's the key distinction in what makes real estate investors different from owner occupied homeowners. Affordability isn't about the price of the property, it's about whether the property pays for itself and grows your net worth while inflation does the heavy lifting. Higher prices don't kill investors. Inaction during inflation does you're not buying a say, $350,000 property. You're controlling it with $70,000 while your tenant and inflation do the rest. We do not rely on hope or appreciation. We start with income tax benefits and debt pay down and then leverage appreciation typically happens as well. GRE only succeeds when investors close on properties that perform long term. One bad referral costs us years of trust, so we don't do that. The best question for you really isn't whether property is affordable. The question is whether owning an investment property is better than inflation compounding against you. That's the investor lens today.    Keith Weinhold  19:24   coming up next week on the show here, we're going to discuss apartments. It's been a truly be leaguered sector, where their prices have fallen 2030, and 40% in many markets. We've discussed apartments here on the show a lot before, like with Grant Cardone on episode 264, with Ken McElroy, countless times with me monologuing about apartments. And next week, we're going to talk to a multifamily educator who is known as the apartment King. Later on, a future show, we've got the return of the financial. Firebrand, and lately, the financial comedian Garrett Gunderson, a powerful speaker. That's definitely going to be interesting. As for today, you'll hear a first person account from a Florida resident about why he's moved to Florida and why he invests there. You've heard of this guy before. That's next. I'm Keith Weinhold. You're listening to Episode 593, of get rich education.    Keith Weinhold  20:26   Flock homes helps you retire from real estate and landlording, whether it's one problem property or your whole portfolio, through a 721, exchange, deferring your capital gains tax and depreciation recapture, it's a strategy long used by the ultra wealthy. Now Mom and Pop landlords can 721, the residential real estate request your initial valuation, see if your properties qualify@flockhomes.com slash GRE. That's f, l, O, C, K, homes.com/G. R, E,    Keith Weinhold  21:02   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. 1-937-795-8989,   Keith Weinhold  22:13   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   Zack Lemaster  22:47   this is rental retirement Zach Lee Masters. Listen to get rich education with Keith bleinhold, and don't quit your Daydream.   Keith Weinhold  23:02   I'd like to welcome in our own in house. GRE investment coach, we haven't had you on the show since November. Welcome in Naresh.   Naresh Vissa  23:11   Kwith, It's a pleasure to be back on the show. Thanks for having me on.   Keith Weinhold  23:16   We're just playing it all casual and comfortable here in house. You were just finishing up, what ice cream or a container of something right before we got started   Naresh Vissa  23:25   here, all done with the ice cream and ready to record the podcast.   Keith Weinhold  23:29   Yeah, all right, keeping cool for our chat. Well, you know you do live in Florida, so you must have your own perspective on the Florida market. You live in the Tampa area, and the reason that that's a germane topic is that's something we've been talking about here lately as really an opportunity, and that is because most of Florida has seen some temporary property price attrition, but yet more population growth is projected. So that's why we feel like that's temporary. But why don't you tell us about what you see on the ground there?   Naresh Vissa  24:07   Keith, I've lived in Florida for 11 and a half years now. That's Tampa, Florida. I like Florida a lot. I moved here December 2014 for similar reasons that many people are moving here today. So I moved to Florida in December 2014 because of no state income tax, because of, at the time, lower cost of living. Florida was one of the states I got hit the hardest during the 2008 financial crisis, or nothing called in a real estate crisis, Florida, Arizona, those few others got hit really, really hard. So Florida at that time was still rebounding from 2008 so I moved for the affordability, the no income tax, of course, the weather better. Weather. And then most places in the Northeast I've lived so weather is a big deal when it comes to real estate and geography as well. These are all different reasons to move to Florida, and these are the reasons why I moved to Florida. I was also single in my 20s, so I was much younger at the time. I was single in my mid 20s, and Florida is very good for that too. For 20 something Gen Z folks today, Florida is definitely a place that they should consider. I moved down here and I fell in love with it. From day one. I got a place living right on the water, a beach. Got beaches everywhere. Florida's tour. And I say all this because these are all enticing features of Florida, for renters, for tenants, for snowbirds. I had never even heard of what a snowbird was until I moved down to Florida, where you have people who literally live here for seven months of the year, and then they live in their home state for five months of the year. So that's generally what it is, seven months in Florida, five months in their home state, which can be the people I know personally are from New York, Connecticut, Illinois, Ohio. The list goes on and on. Basically anywhere that's north of Florida could be considered a snowbird area. So that's another reason why Florida is a very hot market. Now, obviously, during the pandemic, in end of 2020, people started moving to Florida in droves. Part of it was politically, because you didn't have the restrictions that other states had during that crazy time that we lived through. And another part of it was work from home. So similar to me, in 2014 when I became full time work from home, I wanted to move somewhere for all those different reasons that I gave you the total package, and Florida fit that there was maybe one other state that fit the bill, based on everything that I told you, probably one other state. That's it. So Florida fit the bill, and that's why I think Florida is always going to be despite the hurricane prep, Florida is always going to be a destination that people will seriously look at whether you're older, retirement age or younger. Like I said in my mid 20s, single guy Florida is always going to be that destination for all the reasons that I laid out. So with that being said, what does that mean for real estate? What that means for real estate is that there's going to be a constant supply of people coming into Florida, and when there's a constant supply of people coming into Florida, then you can expect real estate prices to at least not decline. We passed, you know, all sorts of bills, including Dodd Frank post 2008 to prevent people from taking out mortgages that they couldn't afford. So now that that's out of the way, when you have a constant supply of people who are able to afford homes, who are able to afford rents, well, that's going to be a constant supply. So that's good for investors, that's good for appreciation. It's good for cash flow. And that's why I'm a huge fan, not just of the state of Florida, but also investing in Florida. And I own real estate in Florida, and you can say that I lucked out, but I bought a property in 2019 and it nearly doubled in value, yeah, when I say doubled in value in a matter of I want to say, like, two years, two and a half years, it nearly doubled in value. So with that being said, Florida, this was a rare cyclical trend when we just saw this huge upswing, rare cyclical trend. But I don't anticipate cycles like this, where you're going to have booms and busts. Moving forward, we haven't seen a bus since 2008 like I said, the the law has been taken care of in that sense, the regulation. I love the state. I've lived in six major cities, but maybe five different states, and Florida is hands down my favorite. That's why I've lived here for what did I say? 11 and a half or 12 and a half years? I don't even remember anymore. It's actually 11 and a half. My roots are here. I now consider myself a Florida person, even more so than the state of Texas, where, which is where I spent 18 years. I have no doubt that I'll surpass 18 or 19 years in Florida, and that this is it, right here. And a major reason is because this is just such a great state. It's free, it's real estate friendly. This is for people who are looking at buying primary residences, not for investment properties. But the governor has put on the ballot this coming election cycle to remove, to abolish the property tax in the state of Florida. So if you own, if you live full time, not a snowbird, not investors, but if you live in Florida permanently, then no more property tax if the vote passes. So that's another huge plus for owning property if you're a permanent resident in Florida,   Keith Weinhold  29:57   yeah, even if the property tax is abolished. Which seems unlikely, you could just tell what the tenor and the temperature of the tax climate and the investing climate is like in Florida, if they're even spearheading such a proposal, and they're a national leader in something like property tax abolition, like they are and Naresh about eight years after you moved there, which would be, what about 2020? 2022, somewhere in there, we had that strong pandemic migration push into Florida. What's happened is that that flow has slowed down. There's still positive net in migration in there in Florida. But the builders, they got ahead of this, and the pandemic migration wave waned, and they had a temporarily overbuilt condition, and they still do now, which is one reason why we've seen prices fall somewhat in most Florida zip codes, and this spells part of the opportunity. So you do have all these new build properties, some of which are vacant, but you have a good chance they're going to get absorbed pretty soon. And there are some obvious advantages to owning new build.   Naresh Vissa  31:11   Well, Keith, there is brand new construction in Florida, like you said. The work started in 2021 and there are homes that have not been sold. I don't want to say, since they were finished building in 2021 they recently finished building in 2025 and these homes could be a variety of reasons. It could be economic related. It could be hurricane related. In Tampa, the Central Florida, we had two horrible hurricanes back to back within a 15 day period, two really bad hurricanes towards the end of 2024 September and October 2024 and people lost their homes. Renters lost their homes. Other people just were freaked out and scared and said, You know what? I don't want to deal with. I've got PTSD from these hurricanes. I'm moving up to Alabama or Georgia or Orlando, you know, somewhere in Central Florida, that's a way. But even that area, you know, the hurricane still made it through to those areas too. People just picked up and said, You know what I'm done with Florida. It's a great state, but I don't want to deal with these hurricanes. And so regardless, whatever the reason, this is a pie, and these are all slices of the pie, I don't know what's been more of a contributing factor than which one has been more than the others. But with that being said, there are tons of properties in Florida, pretty much the entire state of Florida, where, especially new construction properties, are below at the time when they were being built, they're below what they anticipated being listed as. And So Keith, we're having a special webinar this Thursday, talking about these properties because they are discounted properties. They are properties that are selling at tremendous discounts, like I said to when Ground was broken years ago. So join that webinar. Gre, webinars.com gre webinars.com. Again, brand new construction. Many of these properties already have tenants in place. Not all of them, but many of them do already have tenants in place. There are all sorts of incentives that the builder is offering. And there are many builders in that, not just this one that's going to be on the webinar, but in Florida, there are many builders who are offering discounts, rate, buy downs, other incentives, because the home values have fallen somewhat a bit. Why have the home values falling? Because the demand has fallen as well. So again, the next question people might have is, well, if the demand is falling, if home home values are falling, why would I buy the trend is downward. And the answer is, whether it's a stock or any other security, you don't necessarily want to have the FOMO to buy at an all time high, just because everyone else is buying it. And I actually have family members who bought real estate at the peak of 2022 there was FOMO and there was, hey, you know, I need to get a flip, and they're down. They bought peak 2022, and they're down today. Because, look, you can pick any housing market in the country, especially a prime state like Florida. Look at any 30 year period, and you will see that home values are up double digits, even if you look at 2009 when the housing market crashed and we reached something like 10 year bottom in housing, if you look at the 30 year period, well, if someone who bought a house in Florida in, say, 1979 was still way up on their property in 2009 30 years later, we're not buying Bitcoin here where it can go up 30% in one day or go down 30% in one day. We're talking real estate, and real estate has been proven. It's been tested. It's been proven throughout time, not even a 30 year period. I think if you take any 20 year period, you're going to see the same trend of double digit gains, double digit growth. On real estate appreciation. So I'd say, if you're skeptical about Florida, you see these home values, all these discounts, that's the first thing I hear from followers. They say, why are they offering so many discounts? I'm a little concerned about all these discounts and incentives, and I don't know if that's a good thing. Well, I say, Well, I mean, you can buy full price in another state, if you'd like, you know, in California or so you could, you're more than free to buy full price. But we're talking Florida here. We're not talking about West Virginia or Rhode Island, or, you know, Nebraska. We're talking Florida. This is still the land of Mickey Mouse and Minnie Mouse, this is the land of the best beaches in the country. I mean, they there's just no arguing or debating these facts. Florida all the reasons that I stated earlier, is going to continue to be a hot, hot market. So I highly recommend people, if you want to get in on these discounted deals, G R E, webinars.com G R E, webinars.com register for our upcoming online and live special event this Thursday evening at 8pm Eastern Time, 8pm Eastern Time, gre webinars.com you won't want to miss this free, online and live special event.   Keith Weinhold  36:25   When a pound of oranges is on sale or a pound of zucchini is on sale, consumers are often attracted to that sale. Should probably be the same way with you considering adding to your real estate portfolio, and it's funny, when oranges of zucchinis are on sale, no one tries to find fault with it and think that they're rotten inside or something like that. But somehow with real estate or an investment that tends to get scrutiny from people, but these are real discounts that you're getting over buying, say, two years ago, and we're talking about a motivated seller here. And as you know, Naresh, we had the builder on the show last week, the one that's going to be co hosting the webinar with you on Thursday, and he talked to us about buying down mortgage rates to between 3.75% and 4.25% and we're here at a time where the owner occupied rate is six to six and a quarter the investor rate is seven, so you're getting about a three percentage point buy down. That's really the attraction. And Naresh, before I ask you, if you have any last thoughts, yes, again, it is our live event that you can attend from the comfort of your own home, Thursday the 19th, at 8pm eastern in just a few days, here with Naresh and the builder who you heard on last week's show, co hosting a live webinar for Central Florida so inland new build income property. It's free. You're invited, and the benefit of you attending live is that you can have any of your questions answered in real time. You're going to learn more about the Central Florida market and more about the home building process, and you are going to be able to see available new bill property, real addresses, with some of these pretty grand incentives that we've talked about again. GRE webinars.com, any last thoughts? Naresh   Naresh Vissa  38:17   I get a lot of questions about is right now the time to buy? Should I buy later? What's going to happen with real estate? And I know the number one question, or the number one caution our followers are going to have, is, is right now the time is March or April, the time. And I say, look, with real estate, I already gave you the figure that you take any 20 year time period, any 30 year time period, and that's our time horizon here at GRE again, we're not trying to buy bitcoin here and flip it, you know, two days later, we're looking to buy and hold for, I don't want to say forever, but I know my time horizon in general is the full 30 year term, at least for my properties, and some people you know, want 10 or 15 years. That's fine too, but that's the time horizon. It is not one year, two years. We're not flipping new construction properties here in Central Florida. We are looking to buy and hold over the long haul, get some very good, high quality tenants in there, in these new construction properties, so that you, the GRE follower and the investor, can collect your monthly cash flow as well as over that 20 year period, or that 30 year period take part in appreciation as well. We've also talked extensively, Keith in previous episodes about interest rate cuts that the Federal Reserve is going to be doing, and just know this, there's a reason why the builder is offering these incentives where you can get the rates so low, your mortgage rate can be so low, and it's going to take at least a year, even if the Fed goes to zero. I mean, it's going to take mortgage rates a very long time. And to reach that point of getting such low interest rates that you just laid out, so that even makes it more enticing, like, Hey, I basically have a head start on the Federal Reserve because I follow the Fed pretty closely. We don't need to get into those details, but it's looking heavily like they are going to be start cutting again later this year, this summer. So it's looking like they're going to do that, but again, now you can have a head start, because when the Fed starts doing that, and when the mortgage rates fall, then everybody's going to jump in. And what's going to happen to the home values once everybody jumps in, well, they're going to go up. You want to jump in when everybody is not jumping in, and when you can get an amazing deal on these interest rates thanks to the builder buying down your interest rate. So this is a GRE special you can't get these deals. I challenge our followers to go on the internet and try to find better incentives or deals. And what you're going to see on this webinar, on this online, live special event. So gre webinars.com you can join me as well as our special guest. He heads up the builder. His name is Jim. He's going to be on with me. And please join us at grewebinars.com sign up for this free and live online special event.   Keith Weinhold  41:20   These are some great points. There's a lot of anticipation for Thursday, Naresh. We'll see you then.   Naresh Vissa  41:25   Thanks, Keith.   Keith Weinhold  41:32   Oh yeah, a first person account on Florida life and opportunity from our own Naresh nationally, the build to rent model that has been a real success, building single family rentals with the intent that they are rentals. From day one, over 321,000 homes have been built specifically as rentals this way since 2012, and more than three quarters of those in just the last five years. So the build to rent trend is picking up steam. About 1/3 of Americans rent their home, and although the word rental for some people that still conjures up visions of high rises packed with apartments, but a growing number of today's rentals are these freestanding, single family homes and duplexes like we're talking about today, nestled in suburban communities with top notch schools, and that's why a growing number of mom and pop investors have hopped on the build to rent bandwagon. They take less maintenance. It attracts quality tenants who stay longer, and the rentals have changed, but so had the renters. 20 years ago, it felt like tenants had to rent, like they had no choice. Today, you've got more and more tenants that choose to rent. Many of them make 100k to 125k or more. Today, rentals are cheaper than owning for those people, and they're less of a headache. A lot of them don't want to fix things, and you as the owner, don't want to either. That's why new build is attractive. Then, you know, I just sent that great map to our newsletter subscribers about which states saw the most population gain from 2020 to today, the South had more population growth than every other US region combined, which is jaw dropping and within the South, the state with the most population growth since 2020 is Florida, with An 8.9% population gain in that span, narrowly beating out Texas and South Carolina. By the way, even if it weren't for the attractive builder interest rate near 4% these Sunshine State deals could still make sense. New build single family rentals from the 270s new build duplexes, 395 to 420k low insurance rates, positive cash flow, a builder warranty. And it's really even better than that. These properties are centered on Ocala, Florida, which received national recognition as the fastest growing city for this second year in a row. That's according to a U haul report, and Florida is the epitome of investor friendly. Florida is the first state to enact a law allowing law enforcement to immediately remove squatters. It distinguishes them from legal tenants. You might come to the webinar event, perhaps thinking about 80k or 500k that you want to allocate toward property or maybe nothing and you just want to learn at the event you will evaluate realistic opportunities learn how property management is handled, and understand how today's inventory fits into your disciplined, long term strategy that all takes place on. On Thursday the 19th at 8pm Eastern. It's our biggest event of the year, and it is called Why Central Florida is the year's most compelling housing market. One last time for Thursday, it is gre webinars.com, until then, I'm your host. Keith Weinhold, don't quit your Daydream.   Unknown Speaker  45:20   You 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  45:52   The preceding program was brought to you by your home for wealth building get richeducation.com  

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