Podcasts about ocala

Nothing good happens in Florida after dark. In this week's episode of Live, Laugh, Larceny: A True Petty Crime Podcast, we cover late-night Florida man chaos in Ocala, Kissimmee, and Lakeland. Trevin shares his first emergency room experience before diving into Florida-themed Two Truths and a Lie focused on Florida geography, Tampa Bay heat history, and the Cross-Florida Ship Canal. Amanda counters with Two Truths and a Lie about manatees (aka sea cows), covering their biology and bizarre historical lore — plus a wholesome update where an old neighbor gifts her a 100-year-old piano. Then Fast Florida takes a darker turn when 61-year-old Antonio Roman in Ocala allegedly set his sprinkler system to spray disabled children at a nearby bus stop. Storytime continues in Kissimmee's Windsor Hills Resort, where 51-year-old Kevin Westerhold was arrested after allegedly performing nude around his Airbnb. Finally, in Lakeland, 33-year-old Anthony Lewis stole sandhill crane statues in a Valentine's-inspired attempt to win back his on-again, off-again girlfriend. From neighborhood nightmares to naked nuisances, these nocturnal Florida men prove one thing: never trust Florida when the lights go out.

"Kiedy sztuka ocala" to tytuł wykładu dr Jacka Kurka w Szkole Bardzo Wieczorowej. Sztuka zawsze łączy się z pięknem, a piękno z dobrem - i wokół tych trzech słów będzie toczyła się dzisiejsza rozmowa, którą przygotował Marek Mierzwiak. Ale też padną takie pytania - co wówczas, gdy nie stać ludzi na to, aby pójść do teatru, kina, odwiedzić jakieś muzeum? Ponieważ zwyczajnie brakuje pieniędzy na normalne życie? Obiad dla córki czy pójcie do teatru? To nie są pytania banalne, to są pytania  wręcz egzystencjalne.

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  

Is this Nick Hoffman's year? We discuss his opening stretch and a key change on his team. Plus more from Volusia, a surprise USAC sprint car winner at Ocala, thoughts from the World of Outlaws sprint car season opener, and more.

This Week on In Stride    Sinead Halpin-Maynard is joined by Irish event rider and sport horse sales professional Lee Maher to talk about finding his own path in the horse world and building a successful sales program.Meet the Guest: Lee Maher  Lee Maher is an Irish event rider and co-founder of EquiSales International. He has competed through the upper levels of eventing, including a top-10 finish in a CCI2*-L and a 7th-place result in a CCI2*-S at Mill Spring International Horse Park in 2025. While Lee brings extensive competition experience to his work, his true specialty lies in sport horse sales, where he focuses on giving horses a solid foundation and matching them with riders who are the right long-term fit. He works alongside his husband, Chris Talley, and they split their time between Ocala, FL and Charlottesville, VA.  In This Episode, Lee and Sinead Discuss:    • Taking the leap from Ireland to the U.S. and building a career without a traditional background  • The principles behind his sales program and why honesty and fit matter more than fast results  • What it's like building a business with your spouse and navigating work, life, and time off  • Putting horse welfare first while managing expectations in sales and competition  Episode Sponsor EquiHealth App Keep your horse's training, health records, and goals organized in one place. -  Visit https://www.equihealth.net/ to learn more. In Stride Is Brought to You by Ride iQ Ride iQ helps everyday riders ride with more clarity, confidence, and purpose through on-demand audio lessons from world-class coaches. Members also get: - Weekly live Q&As with equestrian experts - Exclusive podcast episodes - Dressage test prep resources - A supportive learning community Start your free 14-day trial at Ride-iQ.com Looking for More? Want straightforward, expert advice on keeping your horse sound and thriving?  Dr. Erica Lacher's Horse Health Essentials eight-part program is available now. -  Save 35% with code POD35 at RideIQElevate.com/horse-health. Ask An Expert is your go-to podcast for practical, real-world advice from top equestrian professionals.  -  Listen anywhere: https://pod.link/1776969830

Christoph Hess im Julis Eventer Podcast – und wir drehen den Spieß um: Dieses Mal begrüße ich ihn in meinem Podcast-Setup und wir sprechen über das, was ihn bis heute antreibt: FASZINATION für Pferde, Menschen und Ausbildung. Christoph nimmt uns mit in seine aktuelle Woche zwischen Lehrgängen, FN-Seminaren und internationalem Coaching: vom Wintercamp des amerikanischen Eventing-Teams in Ocala bis zu seiner engen Zusammenarbeit mit Andrew Hoy – und warum man auch nach Jahrzehnten im Sport nie aufhört zu lernen. Es geht aber auch um die Frage: Was braucht Vielseitigkeit wirklich? Christoph erzählt, warum die dressurmäßige Basis für ihn der Schlüssel zu sicherem Reiten im Gelände ist, wie er auf die Entwicklung der Disziplin blickt (Stichwort Sicherheit & Pferdefitness im Ziel) – und warum „against the clock“ allein langfristig nicht reicht. Außerdem sprechen wir über seine Social-Media-Reise, Shitstorms, Verantwortung im Content – und seinen wichtigsten Begriff überhaupt: Demut.

Dude, that's my car…a not-so-smart thief was caught slowly making his getaway…then self-arrested?

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  

The Mark Moses Show is joined by Florida Tech Head Swimming Coach Tony Marleneanu to preview the Sunshine State Conference Championships starting Wednesday night in Ocala.  GO PANTHERS!!    #FloridaTech Florida Institute of Technology Florida Tech Athletics #swimming

This Week on In Stride    Sinead is joined by horsemanship trainer Chelsea Canedy to talk about finding purpose, connection, and fulfillment in the horse world.  Meet the Guest: Chelsea Canedy  Chelsea Canedy is known for blending traditional training methods with natural horsemanship, including groundwork, liberty work, and R+ training. Her background in social service and meditation practice informs her practical, relationship-focused approach to improving performance with horses and riders. She is the author of Finding Purpose, has created several Equestrian Masterclasses with Noëlle Floyd, and is a sought-after podcast guest, clinician, and presenter at festivals and expos across the country. Chelsea is based in Wales, Maine, at Unexpected Farm, and spends her winters in Ocala, Florida.  In This Episode, Chelsea and Sinead Discuss:    • Letting go of a single goal and allowing space to explore other paths in the industry  • How blending liberty work, dressage, and jumping creates deeper understanding and connection  • Why teaching a horse “tricks” can improve confidence, relaxation, and postural control  • What horses need from people right now, and why slowing down and seeing them as individuals matters  Episode Sponsors VetCS VetCS is an equine veterinarian–founded company creating science-backed hemp products for joint support, calming, and overall wellness. -  Visit https://vetcs.com/pages/in-stride and use code InStride20 for 20% off. EquiHealth App Keep your horse's training, health records, and goals organized in one place.-  Visit https://www.equihealth.net/ to learn more. The Equestrian College Advisor Navigate the college search with confidence and find the right fit for academics and riding. -  Learn more at equestriancollegeadvisor.com In Stride Is Brought to You by Ride iQ Ride iQ helps everyday riders ride with more clarity, confidence, and purpose through on-demand audio lessons from world-class coaches. Members also get: - Weekly live Q&As with equestrian experts - Exclusive podcast episodes - Dressage test prep resources - A supportive learning community Start your free 14-day trial at Ride-iQ.com Looking for More? Want straightforward, expert advice on keeping your horse sound and thriving?  Dr. Erica Lacher's Horse Health Essentials eight-part program is available now. -  Save 35% with code POD35 at RideIQElevate.com/horse-health. Ask An Expert is your go-to podcast for practical, real-world advice from top equestrian professionals.  -  Listen anywhere: https://pod.link/1776969830

2 Haziran 2023 gecesi, Florida'nın Ocala kentinde sıradan bir mahallede, kilitli bir kapının arkasından sıkılan tek bir kurşun, yalnızca bir kadının hayatını değil; “komşuluk”, “kendini savunma” ve “adalet” kavramlarını da paramparça etti. Dışarıdan bakıldığında yalnız yaşayan, sessiz bir kadın olan Susan Lorincz ile dört çocuk annesi Ajike “AJ” Owens arasındaki gerilim Netflix belgeseli The Prefect Neighbor'a da konu olarak çok katmanlı bir tartışma ortamı yaratıyor.

2 Haziran 2023 gecesi, Florida'nın Ocala kentinde sıradan bir mahallede, kilitli bir kapının arkasından sıkılan tek bir kurşun, yalnızca bir kadının hayatını değil; “komşuluk”, “kendini savunma” ve “adalet” kavramlarını da paramparça etti. Dışarıdan bakıldığında yalnız yaşayan, sessiz bir kadın olan Susan Lorincz ile dört çocuk annesi Ajike “AJ” Owens arasındaki gerilim Netflix belgeseli The Prefect Neighbor'a da konu olarak çok katmanlı bir tartışma ortamı yaratıyor.

Deciding between DIY and professional trailer hitch installation for your bike rack? We break down hitch classes, costs, tools, time commitment, and safety considerations to help you make the right choice for your vehicle and skill level. R&B HITCH OF OCALA City: Fort McCoy Address: 10670 Northeast 227th Place Road Website: https://rbhitchofocala.com/small-welding-jobs-welding-repairs

Confused about trailer hitch classes? In this episode, you'll learn how to match the right hitch to your vehicle and load to improve towing stability and avoid common mistakes that compromise safety on the road.Learn more at https://rbhitchofocala.com/ R&B HITCH OF OCALA City: Fort McCoy Address: 10670 Northeast 227th Place Road Website: https://rbhitchofocala.com/small-welding-jobs-welding-repairs

17 stycznia 1945 roku esesmani rozpoczęli ewakuację obozu Auschwitz. Około 56 tysięcy więźniów i więźniarek pod eskortą uzbrojonych esesmanów wymaszerowało z różnych części kompleksu obozowego w kierunku Wodzisławia Śląskiego oraz Gliwic. Ofiarami tak zwanych Marszów Śmierci padło kilka tysięcy więźniów i więźniarek. W podcaście o „Auschwitz” przytaczamy fragmenty relacji świadków dotyczące tych wydarzeń.=====Ilustracja: Zbigniew Otfinowski, Marsz ewakuacyjny (1946). Zbiory Państwowego Muzeum Auschwitz-Birkenau.=====Fragmenty relacji, czytanych przez lektorów, pochodzą z Archiwum Państwowego Muzeum Auschwitz-Birkenau:Teofil Balcarek, APMA-B, Zespół Oświadczenia, t. 115, k. 204-205.Israel Berkowski, APMA-B, Zespół Oświadczenia, t. 35, k. 29.Wanda Bienioszek, APMA-B, Zespół Oświadczenia, t. 116, s. 176.Wanda Błachowska-Tarasiewicz, APMAB, Zespół Wspomnienia, t. 1, k. 19-20.Józef Ciepły, APMA-B, Zespół Oświadczenia, t. 86, k. 48, 127-128.Jan Dziopek, APMA-B, Zespół Oświadczenia, t. 10, k. 29.Jan Dziopek, APMA-B, Zespół Wspomnienia, t. 50, k. 138-143.Róża Dryjańska, APMA-B, Zespół Wspomnienia, t. 88, k. 211,233.Ilona Engelova, APMA-B, Zespół Oświadczenia, t. 80, k. 171.Abraham Dawid Feffer, APMA-B, Zespół Oświadczenia, t. 16, k.54.Jan Gabryś, APMA-B, Zespół Oświadczenia, t. 104, k. 138-140.Janina Hinczowa, APMA-B, Zespół Wspomnienia, t. 62, k. 60.Irena Konieczna, APMAB. Zespół Oświadczenia, t. 113, k. 130.Wanda Koprowska, APMA-B, Zespół Wspomnienia, t. 13, k.66-68. Eulalia Kurdej, APMA-B, Zespół Oświadczenia, t. 66, k. 142.Erwin Olszówka, APMA-B, Zespół Oświadczenia, t. 72, k. 138.Antonina Piątkowska, APMA-B, Zespół Wspomnienia, t. 85, k.45Franciszka Pieczka, APMA-B, Zespół Oświadczenia, t. 88b, k.133.Ilona Strusińska, APMA-B, Zespół Oświadczenia, t. 80, k. 170. Marii Śleziona, APMAB. Inne Zespoły (IZ) – 27/3.Maria Ślisz, APMA-B, Zespół Oświadczenia, t. 61, k. 134.Zofia Stępień-Bator, APMAB, Zespół Wspomnienia, t. 74, k.167.Maria Świderska, APMA-B, Zespół Wspomnienia, t. 21, k. 85, 88.Józef Tabaczyński, APMAB, Zespół Oświadczenia, t. 44, k. 60-63.Anna Tytoniak, APMA-B, Zespół Oświadczenia, t. 12a, k. 198Jan Wawrosz, APMA-B, Zespół Wspomnienia t. 1, k. 59.Franciszek Wieszała, APMA-B, Zespół Oświadczenia, t. 16, k.81.Helena Włodarska, APMA-B, Zespół Wspomnienia, t. 66, k. 78.Jadwiga Zając, APMA-B, Zespół Oświadczenia, t. 139, k. 13-15.Leszek Zienc, APMA-B, Zespół Wspomnienia, t. 2, k. 226.Natan Żelechower, „Siedem obozów”, [w:] Wspomnienia, t. 83, k. 68-72, APMA-B.Maria Żumańska, APMA-B, Zespół Oświadczenia, t. 4, k. 420.

Endurance news, including Karen's latest horse updates and tech gadgets, plus a riding tip on securing saddle packs. Two guests: April Lauren from SEDRA to discuss their beginner-friendly distance riding clinic in Ocala, FL, and endurance rider Julie Bittick as she prepares for the grueling 500 km Gaucho Derby in Patagonia. The episode also features details on the upcoming AERC Virtual Convention. Listen in...HORSES IN THE MORNING Episode 3861 – Show Notes and Links:HORSES IN THE MORNING Endurance Day crew: co-hosted by Glenn the Geek and Karen ChatonGuest: April Lauren on the AHA/FHA/FL Rookie Clinic in Ocala, FLGuest: Julie Bittick on riding in the The Gaucho DerbyAERC check out the AERC calendar!Time Stamps:02:22 – Guest preview03:00 – 360 camera tech07:12 – Helmet/safety tech10:28 – Arabian Horse Assoc. awards11:32 – Endurance riding tip14:03 – Gear setup18:21 – Guest: Kristen, Distance Depot21:16 – Guest: April, rider clinic32:34 – Horse breed discussion38:32 – Guest: Julie, Gaucho Derby51:25 – Wrap up and events info

Endurance news, including Karen's latest horse updates and tech gadgets, plus a riding tip on securing saddle packs. Two guests: April Lauren from SEDRA to discuss their beginner-friendly distance riding clinic in Ocala, FL, and endurance rider Julie Bittick as she prepares for the grueling 500 km Gaucho Derby in Patagonia. The episode also features details on the upcoming AERC Virtual Convention. Listen in...HORSES IN THE MORNING Episode 3861 – Show Notes and Links:HORSES IN THE MORNING Endurance Day crew: co-hosted by Glenn the Geek and Karen ChatonGuest: April Lauren on the AHA/FHA/FL Rookie Clinic in Ocala, FLGuest: Julie Bittick on riding in the The Gaucho DerbyAERC check out the AERC calendar!Time Stamps:02:22 – Guest preview03:00 – 360 camera tech07:12 – Helmet/safety tech10:28 – Arabian Horse Assoc. awards11:32 – Endurance riding tip14:03 – Gear setup18:21 – Guest: Kristen, Distance Depot21:16 – Guest: April, rider clinic32:34 – Horse breed discussion38:32 – Guest: Julie, Gaucho Derby51:25 – Wrap up and events info

On a warm March night in Ocala, Florida, a quiet household settles into its familiar routine. A movie plays. The lights go out. Nothing feels out of place. By morning, that sense of normalcy is gone.Join us, as we examine the disappearance and murder of Tim Smith, a man known for stability, kindness, and devotion to his family. What begins inside the safety of home slowly unravels into a haunting mystery. One shaped by unanswered questions, unsettling details, and a truth that would only emerge after everything had already changed.How to support:For extra perks including exclusive content, early release, and ad-free episodes -Go to - PatreonHow to connect:WebsiteInstagramFacebookTwitterPlease check out our sponsors and help support the podcast:Nutrafol - Start your hair growth journey with Nutrafol. For a limited time, Nutrafol is offering our listeners ten dollars off your first month's subscription and free shipping when you go to Nutrafol.com and enter the promo code MADNESSUncommon Goods -  To get 15% off your next gift, go to Uncommongoods.com/madnessGrow Therapy - Whatever challenges you're facing, Grow Therapy is here to help. Visit GrowTherapy.com/MADNESS today to get started. Availability and coverage vary by state and insurance plan.Shopify - Sign up for a one-dollar-per-month trial period at shopify.com/madnessQuince - Upgrade your wardrobe with pieces made to last with Quince. Go to Quince.com/madness for free shipping on your order and 365-day returns.Greenlight - Don't wait to teach your kids real-world money skills; start your risk-free Greenlight trial today at Greenlight.com/MADNESSMarley Spoon - This new year, fast-track your way to eating well with Marley Spoon. Head to MarleySpoon.com/offer/MADNESS for up to 25 FREE meals!Research & Writing:Ryan DeiningerSources:Court Tv Trial RecapLIVE: Drugged Husband Murder Trial — FL v. Herbert Swilley — Day 1LIVE: Drugged Husband Murder Trial — FL v. Herbert Swilley — Day 2LIVE: Drugged Husband Murder Trial — FL v. Herbert Swilley — Day 3LIVE: Drugged Husband Murder Trial — FL v. Herbert Swilley — Day 4LIVE: Drugged Husband Murder Trial — FL v. Herbert Swilley — Day 5Defendant's daughter testifies for the state in Day 3 of Ocala murder trialTrial Day 2 for man accused of killing his husband. Law officers, landlord testifyReward: $14,500 offered for help solving Timothy Smith killingViolent death near Ocala: Deputies ask for the public's help finding the killerOcala: Man accused of killing his husband stands trial. Defense points to 'suspicious man'Jury finds Marion County man guilty of murdering husbandMan overdosed husband with allergy medicine before beating, strangling him: ProsecutorsMan who allegedly asked for immunity is arrested as husband's accused murdererProsecutors will not seek death against man who allegedly murdered his husband"He Was Very Cold":Fla. Man Raised Thousands on GoFundMe After Husband Was Killed. Now, He's a Suspect

True Crime Today's week in review covers the Adelson case — Charlie's appeal arguments and Donna's prison transfer to South Florida.Charlie Adelson will be back in court February 3rd, 2026 — not for a new trial, but for twenty minutes to convince three appellate judges that the system got it wrong. His 91-page brief argues pretrial publicity in Tallahassee was so overwhelming that a fair trial was impossible. The numbers are stark: 96 of 130 potential jurors had heard of the case. Of the 54 who formed an opinion, 53 believed Charlie was guilty before testimony began. His team also claims defense attorney Dan Rashbaum had a conflict of interest — the same issue that exploded Donna's trial when Charlie revoked his waiver the morning of jury selection.Meanwhile, Donna Adelson has been transferred to Homestead Correctional Institution in Miami-Dade County. The woman who allegedly funded a contract killing because she couldn't accept her grandchildren living in Tallahassee is now thirty miles from her former life, behind razor wire, serving life without parole. She's filed her own notice of appeal. Criminal appeals succeed around five percent of the time.Five people convicted. Charlie in South Dakota over security concerns. Donna in Homestead. Katherine Magbanua in Ocala. The hitmen locked up. Eleven years from Dan Markel's murder to final judgment.And Wendi Adelson — named by prosecutors as an unindicted co-conspirator, testified under limited immunity at every trial, never charged. State Attorney Jack Campbell said decisions would come "in the coming weeks" after Donna's conviction. That was months ago.#CharlieAdelson #DonnaAdelson #DanMarkel #TrueCrimeToday #WendiAdelson #AdelsonAppeal #MurderForHire #FloridaCrime #WeekInReview #JusticeForDanMarkelJoin Our SubStack For AD-FREE ADVANCE EPISDOES & EXTRAS!: https://hiddenkillers.substack.com/Want to comment and watch this podcast as a video? Check out our YouTube Channel. https://www.youtube.com/@hiddenkillerspodInstagram https://www.instagram.com/hiddenkillerspod/Facebook https://www.facebook.com/hiddenkillerspod/Tik-Tok https://www.tiktok.com/@hiddenkillerspodX Twitter https://x.com/tonybpodListen Ad-Free On Apple Podcasts Here: https://podcasts.apple.com/us/podcast/true-crime-today-premium-plus-ad-free-advance-episode/id1705422872

Our week in review on the Adelson case — Charlie's appeal heading to oral arguments and Donna now housed thirty miles from her former life.Charlie Adelson is heading back to court — but this time, there's no jury. On February 3rd, 2026, Florida's First District Court of Appeal will hear oral arguments in his bid to overturn his life sentence for Dan Markel's murder. His 91-page brief argues pretrial publicity made a fair trial impossible. Of 130 potential jurors, 96 had heard of the case. Of the 54 who formed an opinion, 53 believed Charlie was guilty before opening statements. His team also claims a conflict of interest compromised his own defense attorney — the same conflict that derailed Donna's trial when Charlie revoked his waiver on the morning of jury selection.Donna Adelson has been transferred to Homestead Correctional Institution in Miami-Dade County — exactly where her defense requested she be housed at sentencing, close to her husband Harvey. She's filed her own notice of appeal. Mother and son, both serving life, fighting through the same appellate court, neither willing to testify for the other. Criminal appeals succeed about five percent of the time. Even a "win" rarely means freedom.Charlie is serving his sentence in South Dakota after a 2024 transfer over security concerns. Katherine Magbanua remains at Lowell Annex in Ocala. Five people convicted. Eleven years from murder to final judgment.But one question refuses to die: What about Wendi? Prosecutors named her an unindicted co-conspirator. She testified under limited immunity. She has never been charged. State Attorney Jack Campbell promised decisions "in coming weeks" after Donna's conviction. Months later — silence.#CharlieAdelson #DonnaAdelson #DanMarkel #WendiAdelson #AdelsonAppeal #MurderForHire #FloridaCrime #HiddenKillers #WeekInReview #JusticeForDanMarkelJoin Our SubStack For AD-FREE ADVANCE EPISDOES & EXTRAS!: https://hiddenkillers.substack.com/Want to comment and watch this podcast as a video? Check out our YouTube Channel. https://www.youtube.com/@hiddenkillerspodInstagram https://www.instagram.com/hiddenkillerspod/Facebook https://www.facebook.com/hiddenkillerspod/Tik-Tok https://www.tiktok.com/@hiddenkillerspodX Twitter https://x.com/tonybpodListen Ad-Free On Apple Podcasts Here: https://podcasts.apple.com/us/podcast/true-crime-today-premium-plus-ad-free-advance-episode/id1705422872

Nashville country artist Noah Hunton joins Drew's News Podcast to share his journey from Ocala, Florida to building a successful independent music career. Leading his own label, Noah Hunton Music LLC, he discusses authenticity, songwriting, and what it takes to chase your dreams without limits. Noah and his band have earned three Josie Music Award nominations at the Grand Ole Opry, including Song of the Year (“Bartender”) and Rising Country Artist. Don't miss this inspiring conversation.Keep up with Noah's journey on social media @noahhuntonmusicWant to share your story? Email drewsnewsandpodcast@gmail.com. And remember, if you can dream it you can Drew it!

TRENDING - The family of Ohio dentist Spender Tepe and his wife Monique are downplaying the importance of surveillance footage showing a "person of interest" walking near their home near around the time of the shootings, Trump reveals why Melania doesn't like his dancing, an Ocala family is suing after a man choked to death at a Disney Springs restaurant, smart rings are exploding in popularity - Ryan explains why he loves his, Hilton shuts down hotel accused of refusing rooms to DHS agents, and 'The Simpsons' made some predictions about what life would be like in 2026.

TRENDING - The family of Ohio dentist Spender Tepe and his wife Monique are downplaying the importance of surveillance footage showing a "person of interest" walking near their home near around the time of the shootings, Trump reveals why Melania doesn't like his dancing, an Ocala family is suing after a man choked to death at a Disney Springs restaurant, smart rings are exploding in popularity - Ryan explains why he loves his, Hilton shuts down hotel accused of refusing rooms to DHS agents, and 'The Simpsons' made some predictions about what life would be like in 2026. See omnystudio.com/listener for privacy information.

Episode 3178 of the Vietnam Veteran News Podcast will feature a story about how Vietnam Vet Steve Petty was honored at Ocala, FL. The featured story appeared in the Ocala News and was submitted by Jeremiah Delgado. Delgado reported that … Continue reading →

In this episode an update, stories of intimate partner violence, and folks you should know about. I wanted to bookend the episode with a story of bravery and power. Please stick around til the end, you will want to know about Chris Bearchell. She rocks.  I'd like to thank Feedspot for alerting us to the amazing fact that Panic: queer True Crime is, for the second year, in the top ten most listened to queer true crime podcasts. Thanks to Feedspot and thanks to you for making it happen. Hugs! Fanny & Stella: A Wild, Wild Victorian Ride Ernest Boulton and Frederick Park were "respectable" Victorian gentlemen who found freedom onstage as Fanny and Stella. Their drag performances thrilled audiences across 1860s–70s England—until they brought their show into the streets. Their arrest and scandalous trial exposed the era's hypocrisy and crushed both love and ambition. Fanny, Stella, and their circle lived boldly in a world that punished authenticity, making them pioneers to be celebrated. 2025 Update: Justice for Jimmie 'Jay' Lee in the Ole Miss Murder Case After an 11–1 mistrial and the later discovery of Jimmie "Jay" Lee's body, Timothy Herrington Jr. took a plea deal for Lee's killing. The judge said Mississippi "got it right this time," yet the state still lacks LGBTQ+ protections or hate crime coverage. Both young men had promising futures ended by homophobia—a reminder that being gay isn't deadly, but hate is. Her Short, Brilliant Life Was Cut Short by Violence When Girlalala (LaLa) and her boyfriend, Shanoyd Whyte Jr., fought on November 14, 2025, tragedy struck. Whyte pulled a gun and killed LaLa, leaving the community in shock. Intimate partner violence is alarmingly high in the trans community—but help is available. If you or someone you know is in danger, please seek support. Timothy Smith Murder Trial Update Timothy Smith and Herbert Swilley seemed the picture of happiness in Ocala, Florida—until coworkers found Smith dead in March 2023. He'd been drugged, strangled, and left in a staged scene. Months later, Swilley was charged with first-degree premeditated murder. Warrior Chris Bearchell: "No More Sht" Christine "Chris" Bearchell was a fearless Canadian lesbian activist who helped reshape LGBTQ+ rights. From challenging sexist dress codes in high school to leading protests after Toronto's 1981 bathhouse raids, she fought back against police harassment and public shaming. A founder of the Canadian Lesbian and Gay Archives and key voice in securing Ontario's human rights protections, she also championed sex workers' rights and HIV/AIDS outreach. Bearchell died in 2007 at 53—remembered as a visionary warrior who deserves wider recognition. You deserve to live a life free of violence of any kind. DOMESTIC VIOLENCE INTIMATE PARTNER VIOLENCE National Hotlines and Support National Domestic Violence Hotline Phone: 1-800-799-SAFE (7233) Text: Text "START" to 88788 Live Chat & Information: thehotline.org   Services are available 24/7, confidential, and support all individuals regardless of identity or background.   Trans Lifeline: A trans-led hotline providing emotional support and crisis intervention for trans people.   Call 877-565-8860 or visit translifeline.org.​ The Network/La Red: A 24-hour confidential hotline for LGBTQ+ people experiencing domestic violence.   Call 617-742-4911 (local) or 800-832-1901 (toll-free).   If you or someone you know is in danger: Call 9-1-1 immediately. Please subscribe and share this story.   These stories deserve our loving attention.  

In this episode I speak with high performance expert Dr Jenny Susser, a self described athlete, scientist, horse lover and people expert. She helps people with high performance, but today I'm going to ask her about embracing contentedness with “low performance”… and what that even means. This talk will get personal as I share some challenges I've been having at this point in my life & career. About the Guest:Dr. Jenny has a doctoral degree in Clinical Health Psychology, specializing in Sport & Performance Psychology, Dr. Jenny is a New York State licensed psychologist, a Certified Mental Performance Consultant with the Association for Applied Sport Psychology, and a member of the USOC Olympic Registry, the highest distinction a Sport Psychologist can obtain in the United States.A former high performing athlete, Dr. Jenny was a four-year All-American swimmer and then assistant coach at UCLA, Pac-10 Champion, swam on two national teams, and competed at the 1988 Olympic Trials. Dr. Jenny has worked with Division I collegiate teams from UCLA, USC, and Hofstra University, individual high school athletes of all levels, and athletes of all sports and ages, professional, international, Olympic, and amateur. Dr. Jenny was the 2012 USET Olympic Team Sport Psychologist for the United States Olympic Dressage Team in London. After working for a decade with high performing athletes, Dr. Jenny took her experience to the corporate world, applying the tools of high performance to the pressures of the business world. As a keynote speaker and corporate trainer.With a philosophy of blending of science/research, education, experience, and intuition, her ability to flex and draw from multi-dimensional resources creates a powerful experience and remarkable results. Dr. Jenny successfully applies her years of experience promoting health, wellness, and performance to sport and corporate teams and individuals looking to make a lasting, positive difference in their professional and personal lives. I've known Dr Jenny from my days living on Long Island… Now we are both here in Ocala. About the Host:Karen Rohlf, author and creator of Dressage Naturally, is an internationally recognized clinician who is changing the equestrian educational paradigm. She teaches students of all disciplines and levels from around the world in her clinics and the Dressage Naturally virtual programs. Karen is well known for training horses with a priority on partnership, a student-empowering approach to teaching, and a positive and balanced point of view. She believes in getting to the heart of our mental, emotional, and physical partnership with our horses by bringing together the best of the worlds of dressage and partnership-based training.  Karen's passion for teaching extends beyond horse training. Her For The Love Of The Horse: Transform Your Business program is a result of her commitment to helping heart-centered equine professionals thrive so that horses may have a happier life in this industry. Resource Links:FREE Postural Rehabilitation Webinar with Dr Gellman: https://dnkarenr.krtra.com/t/xY1hza5wq0rK AUDIOBOOK Dressage Naturally: https://go.dressagenaturally.net/book-audio-573092 Naturally VIDEO CLASSROOM: https://dnc.dressagenaturally.net/ Ask a question or leave a message for the pod:

On today's show, we're spending some time with Mike McMahon of Bourbon Lane Stable to learn why this partnership emphasizes aftercare -- and even named a bourbon after one of their retired racehorses. Then we chat with Erin MacDonald of New Vocations' Ocala branch for a new training tip and adoptable horse of the week. And we have a special guest for the holidays: stay tuned!Hosts: Leigh Beamer and Kristen Kovatch Bentley of The Horseback WriterImage Credit: Retired Racehorse RadioTitle Sponsor: Kentucky Performance ProductsMedia Partners: The Thoroughbred Makeover and New Vocations Racehorse AdoptionGuest: Michael McMahon, Thoroughbred Charities of America New Vocations Segment - Adoptable HorseAdditional Support Provided by: Horse Radio Network, Retired Racehorse Project, and Listeners like You!

On today's show, we're spending some time with Mike McMahon of Bourbon Lane Stable to learn why this partnership emphasizes aftercare -- and even named a bourbon after one of their retired racehorses. Then we chat with Erin MacDonald of New Vocations' Ocala branch for a new training tip and adoptable horse of the week. And we have a special guest for the holidays: stay tuned!Hosts: Leigh Beamer and Kristen Kovatch Bentley of The Horseback WriterImage Credit: Retired Racehorse RadioTitle Sponsor: Kentucky Performance ProductsMedia Partners: The Thoroughbred Makeover and New Vocations Racehorse AdoptionGuest: Michael McMahon, Thoroughbred Charities of America New Vocations Segment - Adoptable HorseAdditional Support Provided by: Horse Radio Network, Retired Racehorse Project, and Listeners like You!

In this insightful episode recorded live at the 2025 Florida Rural Economic Development Summit, Small Biz Florida host Tom Kindred sits down with Dr. Scott Angle, Senior Vice President of UF/IFAS (Institute of Food and Agricultural Sciences) at the University of Florida. Dr. Angle shares a powerful message: Florida agriculture is facing a critical labor shortage that threatens its future, and the solution lies in treating farming like a business and embracing advanced technologies, particularly artificial intelligence. Dr. Angle outlines UF/IFAS's multi-pronged strategy to modernize agriculture in Florida through cutting-edge research, workforce development partnerships with state colleges, and efforts to recruit ag-tech companies to the state. He also highlights the vital role of the Cooperative Extension Service in connecting university research with real-world applications in Florida's rural communities. This episode delivers a compelling vision of Florida as a future ag-tech hub and a reminder that innovation is not optional; it's essential for survival. This podcast episode was recorded live at the 2025 Florida Rural Economic Development Association (FREDA) Summit hosted at the World Equestrian Center in Ocala, Florida. This podcast is made possible by the Florida SBDC Network and sponsored by Florida First Capital. Connect with Our Guest: University of Florida IFAS

Recorded live at the 2025 Florida Rural Economic Development Association (FREDA) Summit, this episode of Small Biz Florida features Cassie Dull, Chief Commercial Officer of Pinsly Railroad Company. Cassie joins host Tom Kindred to pull back the curtain on the vital yet often overlooked role of freight rail in supporting small businesses and driving economic growth in rural Florida. She shares that Pinsly Railroad operates eight short-line railroads, including the Florida Gulf and Atlantic Railroad, which spans 400 miles across North Florida and serves as a logistical backbone for industries ranging from construction to food distribution. With over 16 years in the rail industry, Cassie explains how rail can be a cost-effective, efficient alternative to trucking, and how Pinsly partners with counties to attract new industries by building rail infrastructure and educating business owners about the benefits of freight rail. This podcast episode was recorded live at the 2025 Florida Rural Economic Development Association (FREDA) Summit hosted at the World Equestrian Center in Ocala, Florida. This podcast is made possible by the Florida SBDC Network and sponsored by Florida First Capital. Connect with Our Guest: Pinsly Railroad Company

Ajike “A.J.” Owens was a devoted 35-year-old mother of four. She was the kind of woman who fought for her kids without hesitation. But on a June evening in Ocala, Florida, what began as one of many neighborhood disputes, turned into a national flashpoint. After an argument involving her children and the woman next door, A.J. walked to her neighbor's home seeking answers. Moments later, a single gunshot fired through a closed, windowless door ended her life. Now, with the case back in the spotlight and the coroner's findings, trial testimony, and forensic contradictions resurfacing through documentaries and public debate, unpack the explosive questions her murder continues to raise… . If you're new here, don't forget to follow the show for weekly deep dives into the darkest true crime cases! To watch the video version of this episode, head over to youtube.com/@annieelise.  .

Piper speaks with trainer and FEI show jumper, Hunter Holloway about her recent business merger with top trainer Don Stewart and what she's excited about for the upcoming year. Brought to you by Taylor, Harris Insurance Services.Host: Piper Klemm, publisher of The Plaid HorseGuest: Based in Topeka, Kansas, and Ocala, Florida, Hunter Holloway comes from a family deeply rooted in horses and has become a role model to many aspiring young athletes trying to make it within the industry. Hunter's storied junior career started when she became the youngest to ever win a national standard Grand Prix at just 12 years old. In 2016, she won the coveted ASPCA Maclay Championship as well as the 2016 Washington International Equitation Championships, after winning all three phases of the competition. Hunter also won the U25 Jumper Championship at the Pennsylvania National Horse Show that year. That success has continued into her professional career with highlights such as the 3rd-place podium finish at the 2023 Longines FEI World Cup Finals in Omaha, Nebraska and winning the AON Cup CSI5* at Spruce Meadows and $405,300 HITS Grand Prix CSI5* at Hits Saugerties, and numerous other Grand Prix wins. She's also had US Team Nations Cup appearances in Canada and Germany.Subscribe To: The Plaid Horse MagazineTitle Sponsor: Taylor, Harris Insurance ServicesSponsors: Purina, Great American Insurance Group, and Windstar Cruises Join us at an upcoming Plaidcast in Person live event!

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Donna Adelson is officially back in South Florida — just not the way she planned. According to Florida Department of Corrections records, the convicted mastermind behind the Dan Markel murder-for-hire has been transferred from the Ocala reception center to Homestead Correctional Institution in Miami-Dade County. It's the exact placement her defense team requested at sentencing, when Judge Stephen Everett recommended she be housed close to her husband Harvey. The woman who allegedly funded a contract killing because she couldn't accept her grandchildren living in Tallahassee is now thirty miles from her former life, behind razor wire, serving life without parole. Her son Charlie Adelson is serving his own life sentence in South Dakota after being transferred in 2024 over security concerns. Katherine Magbanua remains at Lowell Annex in Ocala.  The hitmen are locked up. Five people convicted. Eleven years from murder to final judgment. But one question refuses to go away: What about Wendi? Prosecutors identified Dan Markel's ex-wife as an unindicted co-conspirator in court documents. She testified at every trial under limited immunity. She has repeatedly and consistently denied any involvement in or knowledge of the plot. She has never been charged. State Attorney Jack Campbell said his office would "make decisions in the coming weeks" after Donna's conviction — and months later, no decision has been announced. Meanwhile, Donna's "jailhouse daughter" has been talking publicly about the family fractures behind bars, the strain between mother and daughter, and Donna's fears about Harvey's deteriorating health. The Markel family is still fighting for access to their grandchildren under the Markel Act — the law that exists because of this case. This is where the story sits. For now. #DonnaAdelson #DanMarkel #WendiAdelson #HomesteadPrison #MurderForHire #TrueCrime #AdelsonFamily #FloridaCrime #JusticeForDanMarkel #TrueCrimeNews Want to comment and watch this podcast as a video? Check out our YouTube Channel. https://www.youtube.com/@hiddenkillerspod Instagram https://www.instagram.com/hiddenkillerspod/ Facebook https://www.facebook.com/hiddenkillerspod/ Tik-Tok https://www.tiktok.com/@hiddenkillerspod X Twitter https://x.com/tonybpod Listen Ad-Free On Apple Podcasts Here: https://podcasts.apple.com/us/podcast/true-crime-today-premium-plus-ad-free-advance-episode/id1705422872

Donna Adelson is officially back in South Florida — just not the way she planned. According to Florida Department of Corrections records, the convicted mastermind behind the Dan Markel murder-for-hire has been transferred from the Ocala reception center to Homestead Correctional Institution in Miami-Dade County. It's the exact placement her defense team requested at sentencing, when Judge Stephen Everett recommended she be housed close to her husband Harvey. The woman who allegedly funded a contract killing because she couldn't accept her grandchildren living in Tallahassee is now thirty miles from her former life, behind razor wire, serving life without parole. Her son Charlie Adelson is serving his own life sentence in South Dakota after being transferred in 2024 over security concerns. Katherine Magbanua remains at Lowell Annex in Ocala.  The hitmen are locked up. Five people convicted. Eleven years from murder to final judgment. But one question refuses to go away: What about Wendi? Prosecutors identified Dan Markel's ex-wife as an unindicted co-conspirator in court documents. She testified at every trial under limited immunity. She has repeatedly and consistently denied any involvement in or knowledge of the plot. She has never been charged. State Attorney Jack Campbell said his office would "make decisions in the coming weeks" after Donna's conviction — and months later, no decision has been announced. Meanwhile, Donna's "jailhouse daughter" has been talking publicly about the family fractures behind bars, the strain between mother and daughter, and Donna's fears about Harvey's deteriorating health. The Markel family is still fighting for access to their grandchildren under the Markel Act — the law that exists because of this case. This is where the story sits. For now. #DonnaAdelson #DanMarkel #WendiAdelson #HomesteadPrison #MurderForHire #TrueCrime #AdelsonFamily #FloridaCrime #JusticeForDanMarkel #TrueCrimeNews Want to comment and watch this podcast as a video? Check out our YouTube Channel. https://www.youtube.com/@hiddenkillerspod Instagram https://www.instagram.com/hiddenkillerspod/ Facebook https://www.facebook.com/hiddenkillerspod/ Tik-Tok https://www.tiktok.com/@hiddenkillerspod X Twitter https://x.com/tonybpod Listen Ad-Free On Apple Podcasts Here: https://podcasts.apple.com/us/podcast/true-crime-today-premium-plus-ad-free-advance-episode/id1705422872

Bonus Episode: This week you're getting two episodes! This conversation originally aired on the Ask an Expert podcast, and we're bringing it over to In Stride for you to enjoy.When the temperature drops, your horse's health needs a thoughtful approach to keep them comfortable and thriving through the winter. In this episode of Ask An Expert, renowned equine vet Dr. Lisa Casinella joins us to reveal the essential winter care practices every horse owner should know. From diet adjustments to blanket selection, Dr. Casinella shares actionable advice to make winter stress-free for both you and your horse. Episode Highlights: 10:30: Must-have items for a winter emergency kit (when a vet isn't available). 25:30: Seasonal diet and supplement changes after pasture grass disappears. 37:00: How to select the right blanket based on weather and hay access. 39:30 : Solutions for horses prone to weight loss in winter. 44:00: Indoor vs. outdoor winter care: pros, cons, and when to blanket. Meet the Expert, Dr. Lisa Casinella Dr. Lisa Casinella is a leading equine veterinarian based in Ocala, FL, with over 25 years of experience in performance horse care, including as the Official USEF Team Veterinarian. She brings deep expertise in both sport and racehorse health, with a holistic approach that includes acupuncture.Brought to you by Ride iQ  This episode is part of the Ask An Expert podcast series, usually available exclusively in the Ride iQ app, where members have access to more than 200 expert interviews covering training, horse care, sports psychology, and more. Ride iQ helps everyday riders ride with more clarity, confidence, and purpose through on-demand audio lessons from world-class coaches. Members also get weekly live Q&As with equestrian experts, exclusive podcast episodes, dressage test playbooks, and supportive community conversations that make learning feel fun and doable. If you'd like to explore what Ride iQ offers, you can learn more and start your free 14-day trial at Ride-iQ.com.  Want straightforward, expert advice on keeping your horse sound and thriving? Dr. Erica Lacher's eight-part program, Horse Health Essentials, is now available, and you can use code POD35 for 35% off. Learn more at RideIQElevate.com/horse-health.

Gościem odcinka jest kpt. żeglugi wielkiej Marek Błuś. Zacznij od rozmowy z Romanem Czejarkiem, autorem podcastu „Heweliusz. Prawdziwa Historia”: https://open.spotify.com/episode/1KnZa91JsXfm5M5J0y13AV?si=ef966cd79c5a4b8dKatastrofa promu „Jan Heweliusz” miała miejsce 14 stycznia 1993 roku na Bałtyku, w pobliżu niemieckiej wyspy Rugia. Statek, płynący ze Świnoujścia do Ystad, przewrócił się i zatonął podczas silnego sztormu. W katastrofie zginęło 56 osób, co czyni ją jedną z największych tragedii morskich we współczesnej historii Polski. Ocalało jedynie 9 członków załogi.---„7 metrów pod ziemią” to internetowe wywiady o tematyce społecznej. Rozmawiam z ciekawymi ludźmi - konkretnie i bez zbędnych dygresji. Mój cel? Wydobyć z rozmówców prawdę, na którą nie zdobyliby się w telewizyjnym studiu. Rafał Gębura.Oprawa muzyczna: Dawid „Shimz” SchiemannOprawa graficzna: Andrzej Wąsik

A drunk on whisky pants-less woman was stopped in Ocala... It wasn't hot. We have the mugshotSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Police say woman exposed herself on Ocala sidewalk while drinking liquor, Headline of the Week contender #2: Drone drops crab legs, steak and Old Bay inside South Carolina prison, "It Happened Again": Forklift edition

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

Lisanne Vera, VP of Growth at KashKick, joins Taylor Lobdell to talk about the incentives economy, a marketplace where leisure becomes an asset. From her early affiliate-marketing roots to leading growth at one of the fastest-growing rewards apps, Lisanne unpacks how KashKick designs offers that respect user time, prevent bait-and-switch dynamics, and build long-term trust. She discusses how micro-earnings sustain engagement, why transparency matters more than flashy payouts, and why being relentlessly user-focused, even at the cost of short-term ROAS, can drive the strongest growth stories in mobile today.Key Topics and QuestionsMonetizing leisure time as engagement, how to align offers with user habits.Micro vs. large payouts: why early small rewards matter more for retention.Identifying drop-off, how can you spot value mismatches at first action, not D7.Trust and expectation: showing average, attainable outcomes, not edge cases.Marketplace curation to add only offers users already want, not random buys.User and advertiser transparency for clear education, ratings, and funnel data.Which social platforms are delivering the most reliable new users?How to design for seasoned rewards users versus newcomers.What steps help marketers adapt when retargeting and paid attribution get harder?Why value energy and attitude over traditional credentials when building a team?Which user-focused investments have delivered the clearest returns in long-term retention or brand strength?Timestamps(0:00) – Intro and Lisanne's background in affiliate marketing(2:04) – What KashKick is and how the marketplace works(2:21) – Treating leisure time as a market asset(3:00) – User-first campaign design and offer selection(3:37) – Why genuine interest matters more than payout size(5:29) – Designing offers that respect user time(5:48) – How micro-rewards sustain engagement(7:04) – Balancing small wins with big payout motivation(8:01) – Measuring engagement versus pure volume(8:58) – How KashKick incentivizes fintech and charity actions(11:12) – Building trust through transparency and education(13:03) – Giving partners visibility and fraud prevention(14:09) – Why affiliates and content creators still work(15:40) – Push, email, and the next wave of engagement(16:35) – Playing the long game with user-first growth(18:09) – What Lisanne looks for in new hires(19:00) – Advice for junior marketers(22:16) – Ocala travel tips and hidden springsSelected quotes(3:45) – “If the user isn't genuinely interested, no incentive will change that. You can offer six hundred dollars, but if it's not relevant, they won't do it.”(5:48) – “We give people rewards along the way, micro-earnings that make their time feel valued. Small wins keep users engaged.”(11:44) – “We tell users exactly how tracking works and why we need it. Transparency builds trust, and that's what keeps them coming back.”Mentioned in this episodeLisanne Vera on LinkedinKashKick app

& we're back. This week, we ask the ladies...what's going on with you? Gallup Pool says 40% of women want to leave the US for good. A woman from the UK comes to Ocala to be murdered by a man. Ladies...what the heck is going on with you? We will be back live next week on Wednesday at 6:00PM over at WillsYouTube.com We do an extra half hour on our Substack that is uncut and uncensored, hope to see you there, it's free to join. Get in touch with the show and leave a voice or text message at: (813) 693-2124 or shoot me an email at thehomemadebroadcast@gmail.com LINKS: https://linktr.ee/hmbradio The #HMB airs Sunday's on Sunshine FM 96.7 in downtown St. Petersburg & anywhere in the world at Radio St. Pete @ 6:10PM & Monday's at 10:15PM or on demand via your favorite podcast app, just search "HMBradio Tampa Bay".

This episode of In Stride is sponsored by The Equestrian College Advisor. Navigate the college search with confidence and find the right fit for both academics and riding. Visit equestriancollegeadvisor.com to learn more and book a consultation.  In this episode of “In Stride,” Sinead is joined by eventing legend Karen O'Connor.  Karen O'Connor is one of the most accomplished event riders in U.S. history, having represented the United States at five Olympic Games, three World Equestrian Games, and two Pan American Games. She helped secure team silver at the 1996 Atlanta Olympics and team bronze at the 2000 Sydney Olympics, and she earned both individual and team gold at the 2007 Pan American Games. Alongside her husband, Olympic event rider David O'Connor, she runs O'Connor Equestrian, a renowned training and coaching program based in The Plains, Virginia, and Ocala, Florida.  Karen reflects on her legendary eventing career and the role natural horsemanship has played in shaping successful horse-and-rider partnerships, including:  • How she fell in love with horses as a kid and the early experiences that laid the foundation for her life in the sport  • Her relationship with pressure on the world stage, especially within an Olympic team environment, and how she navigated those situations  • The community and family that grew from merging her business with David's and building O'Connor Eventing together  • Why horsemanship must be a cornerstone of training, and how often these fundamentals are overlooked by many new riders today  Join Karen and Sinead as they dive into the realities behind one of the most influential eventing careers of all time and the timeless principles that continue to guide great riders and great horses. In Stride is brought to you by Ride iQ. Ride iQ helps everyday riders ride with more clarity, confidence, and purpose through on-demand audio lessons from world-class coaches. Members also get weekly live Q&As with equestrian experts, exclusive podcast episodes, dressage test playbooks, and supportive community conversations that make learning feel fun and doable. If you want to give it a try, you can learn more and start your free 14-day trial at Ride-iQ.com⁠. Want straightforward, expert advice on keeping your horse sound and thriving? Dr. Erica Lacher's eight-part program, Horse Health Essentials, is now available, and you can use code POD35 for 35% off. Learn more at RideIQElevate.com/horse-health.

I love diving into projects that excite me—and sometimes they take me to unexpected places. From raising 4,000 happy chickens on our Ocala family farm and producing 20,000 eggs a week, to building a 2,500 sq. ft. content studio in Miami Beach, I'm sharing the passion projects that make life interesting. Farming wasn't something I planned—it started as curiosity and quickly grew into a way to support healthy eating education through Neighborhood Farms USA (NFUSA). Our vision with NFUSA is to establish a national network that connects neighborhood gardens to shared resources: advice, planning, opportunities, and best practices, to educate children and young families about the relationship between nutrient-rich food and living healthier lives. There is a growing need to build a national network of nutritional awareness through community engagement at the neighborhood level. That's our goal with Neighborhood Farms USA.Learn more about Neighborhood Farms USA and become a member today: https://membership.neighborhoodfarmsusa.org/Like this episode? Leave a review here: https://ratethispodcast.com/commondenominator:

It's a totally new kind of documentary film, fam, AND WE ARE HERE FOR IT! In 2021, Susan Lorincz moved in to an established family neighborhood in Ocala, Florida. She was a problem from day one. She hated the neighborhood kids who ran around, played football in the filed, and made noise AS KIDS ARE WONT TO DO. She called the police repeatedly, she made up stories, she called the kids horrific names, she threw things at them. And then on June 2, 2023, she committed murder. All the while thinking Florida's "stand your ground law" would protect her. She had another think coming. Find and watch "The Perfect Neighbor" on Netflix WE'RE ON YOUTUBE - Want to view the episodes and not just listen?  Check our new video feed to see full video episodes starting today. CLICK HERE TO WATCH AND SUBSCRIBE! LOOKING FOR MORE TCO? On our Patreon feed, you'll find over 400 FULL AD-FREE BONUS episodes to BINGE RIGHT NOW, including our episode-by-episode coverage of popular documentary series like Love Has Won: The Cult of Mother God, LulaRich, and The Curious Case of Natalia Grace; classics like The Jinx, Making A Murderer, and The Staircase; and well-known cases like The Menendez Murders, Casey Anthony: American Murder Mystery, and The Disappearance of Madeleine McCann, and so many more! Episode Sponsors: Miracle Melts from Playground -  Intimate care that's trusted down there. Visit www.helloplayground.com and use code TCO for 15% off your order.  Dose - Wellness shots formulated by scientists, made for your liver. Save 30% on your first month of subscription by going to www.dosedaily.co/TCO or entering TCO at checkout. Rocket Money - Cancel your unwanted subscriptions and reach your financial goals faster with Rocket Money. Go to www.RocketMoney.com/obsessed today. Helix - Upgrade your sleep! Go to www.helixsleep.com/tco for 27% Off Sitewide!! Function - Visit www.functionhealth.com/TCO or use gift code TCO100 at sign-up to own your health. Join the TCO Community! Follow True Crime Obsessed on Instagram and TikTok, and join us on Facebook at the True Crime Obsessed Podcast Discussion Group!  AND INTRODUCING THE NEW TCO DISCORD CHANNEL AS WELL!!!

She killed their mother—and now she wants to sue them. Convicted shooter Susan Lorincz, the woman who fired through a locked door and killed Ajike “AJ” Owens in Ocala, Florida, is back in the headlines. From her prison cell, Lorincz penned a four-page handwritten letter threatening to sue Owens's children and mother for defamation—accusing them of lying, trespassing, and “ruining her reputation.” In this episode of Hidden Killers, host Tony Brueski, Stacy Cole, and Todd Michaels sit down with defense attorney and former prosecutor Eric Faddis to unpack the legal and moral insanity behind this letter. Could Lorincz actually file a lawsuit from prison? What's her endgame—justice or control? And how does a system even allow a convicted killer to weaponize paperwork against the very family she destroyed? Eric Faddis breaks down the reality: why this “defamation threat” has no legal ground, how narcissism and denial often drive post-conviction behavior, and what reforms could stop offenders from re-victimizing families through civil filings. Tony and Eric go beyond the law—into the psychology of entitlement, the trauma inflicted on AJ Owens's children, and the failure of a justice system that still lets a killer's words reach the people she hurt most.

She killed their mother—and now she wants to sue them. Convicted shooter Susan Lorincz, the woman who fired through a locked door and killed Ajike “AJ” Owens in Ocala, Florida, is back in the headlines. From her prison cell, Lorincz penned a four-page handwritten letter threatening to sue Owens's children and mother for defamation—accusing them of lying, trespassing, and “ruining her reputation.” In this episode of Hidden Killers, host Tony Brueski, Stacy Cole, and Todd Michaels sit down with defense attorney and former prosecutor Eric Faddis to unpack the legal and moral insanity behind this letter. Could Lorincz actually file a lawsuit from prison? What's her endgame—justice or control? And how does a system even allow a convicted killer to weaponize paperwork against the very family she destroyed? Eric Faddis breaks down the reality: why this “defamation threat” has no legal ground, how narcissism and denial often drive post-conviction behavior, and what reforms could stop offenders from re-victimizing families through civil filings. Tony and Eric go beyond the law—into the psychology of entitlement, the trauma inflicted on AJ Owens's children, and the failure of a justice system that still lets a killer's words reach the people she hurt most.

She killed their mother — and now she wants to sue them. Convicted shooter Susan Lorincz, the woman who fired through a locked door and killed Ajike “AJ” Owens in Ocala, Florida, is back in the headlines after sending a four-page handwritten letter from prison threatening to sue Owens' children and mother for defamation. In this episode, Tony Brueski breaks down the letter in full — every word, every excuse, every attempt to rewrite history. It's a chilling glimpse into a mind that refuses to accept guilt and still sees itself as the victim. Lorincz, serving a 25-year sentence for manslaughter with a firearm, now claims she's been “slandered” by the very family whose life she destroyed. From her accusations against AJ's kids to her bizarre claims of “trespassing” and “harassment,” the letter reveals something far darker than a legal threat — it shows the psychology of denial and control that fueled the tragedy in the first place. How does someone who pulled the trigger on an unarmed mother now try to weaponize the law against grieving children? What does this say about accountability, justice, and the warped need for power even from a prison cell? Join Tony as he reads the letter aloud, analyzes the legal absurdity behind Lorincz's threats, and exposes the emotional toll this letter could have on the Owens family. This isn't about justice — it's about cruelty dressed up as paperwork.

She killed their mother — and now she wants to sue them. Convicted shooter Susan Lorincz, the woman who fired through a locked door and killed Ajike “AJ” Owens in Ocala, Florida, is back in the headlines after sending a four-page handwritten letter from prison threatening to sue Owens' children and mother for defamation. In this episode, Tony Brueski breaks down the letter in full — every word, every excuse, every attempt to rewrite history. It's a chilling glimpse into a mind that refuses to accept guilt and still sees itself as the victim. Lorincz, serving a 25-year sentence for manslaughter with a firearm, now claims she's been “slandered” by the very family whose life she destroyed. From her accusations against AJ's kids to her bizarre claims of “trespassing” and “harassment,” the letter reveals something far darker than a legal threat — it shows the psychology of denial and control that fueled the tragedy in the first place. How does someone who pulled the trigger on an unarmed mother now try to weaponize the law against grieving children? What does this say about accountability, justice, and the warped need for power even from a prison cell? Join Tony as he reads the letter aloud, analyzes the legal absurdity behind Lorincz's threats, and exposes the emotional toll this letter could have on the Owens family. This isn't about justice — it's about cruelty dressed up as paperwork.

In a quiet neighborhood in Ocala, Florida, a mother of four simply knocked on her neighbor's door to ask for answers. What happened next was anything but simple. AJ Owens' life ended when her neighbor, convinced her peace had been stolen, reached for a gun and fired through a locked door. This isn't just a story of a shooting — it's a psychological breakdown in full display. I'm Tony Brueski, and in this episode of Hidden Killers, we go deep into the mindset of one woman who couldn't tolerate other people living. She didn't see children playing. She saw disrespect. She didn't hear laughter. She heard a threat. With the veneer of the “perfect neighbor” and the weapon of her choice, her answer to disruption was final. We'll trace the two-year buildup: the constant complaints, the phone recordings, the police visits. Then we'll walk you through the shot itself, the locked door, the children, the devastation. But most of all, we'll shine a light on the malignant psychology behind it all — entitlement that morphs into threat, control that masquerades as safety, and a system that responded but never interrupted. This longform narrative isn't about sensationalizing death. It's about accountability. It's about understanding how narcissistic control can completely retract someone from reality, until the world either bends to them — or lives break. If you've ever lived next to someone who demands their world be silent except for their voice, this one's for you. Because quiet isn't always peace. Sometimes quiet is the calm that follows a gunshot. Listen in. Watch the patterns. Recognize the danger. And subscribe to keep uncovering the hidden killers lurking behind everyday facades. #TrueCrimeStory #HiddenKillers #NeighborhoodMurder #PsychologicalProfile #NarcissismInCrime #MotherOfFour #StandYourGround #CrimeAnalysis #FatalEgo #ControlAndViolence Want to comment and watch this podcast as a video? Check out our YouTube Channel. https://www.youtube.com/@hiddenkillerspod Instagram https://www.instagram.com/hiddenkillerspod/ Facebook https://www.facebook.com/hiddenkillerspod/ Tik-Tok https://www.tiktok.com/@hiddenkillerspod X Twitter https://x.com/tonybpod Listen Ad-Free On Apple Podcasts Here: https://podcasts.apple.com/us/podcast/true-crime-today-premium-plus-ad-free-advance-episode/id1705422872