Podcasts about ocala

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

Callers: Crime stories, WHM contributions, movies and stars, Elizabeth Cady Stanton, and yet more Epstein-Trump nonsense speculation: Check out Michael Tracey.The Hake Report, Friday, July 25, 2025 ADTIMESTAMPS* (0:00:00) Start / Disclaimers* (0:07:50) Hey, you guys! Mildly Attractive tee, Hulk Hogan* (0:13:12) DAVID, Ocala, FL: B-on-W crime update, Ocklawaha* (0:17:51) DAVID: Third Rail Omar* (0:20:29) DAVID: AMC theater woman skipped line, cops* (0:22:49) DAVID: Jewelry store robbery foiled, crime dealt with* (0:26:36) DAVID: Muslim parents honor killing 17yo daughter* (0:28:56) DAVID: Saying "Man," like Cheech and Chong; WHM heroes* (0:34:41) WILLIAM III, CA: WHM heroes* (0:38:56) WILLIAM III: Third Rail Omar, immigrants, Middle East* (0:42:30) WILLIAM III: Fallen legends* (0:44:28) WILLIAM III: Anchorage shootings* (0:46:16) WILLIAM III: Ghetto Christians — Palestinians* (0:51:37) TERRI, OR: Elizabeth Cady Stanton, Back to the Future* (1:09:43) ELIJAH, CA: WHM, Hulk Hogan, Ali* (1:14:41) ELIJAH: Gratefulness vs justification for insatiable ego* (1:19:26) Supers…* (1:20:18) Coffee: Tyler Perry* (1:24:29) Popcorn Coffee: History, Epstein, Trump, Masks* (1:31:42) Coffee: Cesar, graphic novels stars, patterns* (1:34:37) Coffee: Star death patterns* (1:38:13) Sion movies* (1:40:09) MARK, L.A.: Trump, KKK history* (1:45:41) MARK: Getting angry at a question* (1:49:36) MARK: Proud black man? Tarzan? WHM: Tommy Terrence, Kathy Ainsworth (sp)* (1:51:53) RICK, VA: Immigrant politicians; Do what they tell youBLOG https://www.thehakereport.com/blog/2025/7/25/the-hake-report-fri-7-25-25PODCAST / Substack HAKE NEWS from JLP https://www.thehakereport.com/jlp-news/2025/7/25/jlp-fri-7-25-25–Hake is live M-F 9-11a PT (11-1CT/12-2ET) Call-in 1-888-775-3773 https://www.thehakereport.com/showVIDEO: YT - Rumble* - Pilled - FB - X - BitChute (Live) - Odysee*PODCAST: Substack - Apple - Spotify - Castbox - Podcast Addict*SUPER CHAT https://buymeacoffee.com/thehakereportSHOP - Printify (new!) - Cameo | All My LinksJLP Network: JLP - Church - TFS - Nick - PunchieThe views expressed on this show do not represent BOND, Jesse Lee Peterson, the Network, this Host, or this platform. No endorsement or opposition implied!The show is for general information and entertainment, and everything should be taken with a grain of salt! Get full access to HAKE at thehakereport.substack.com/subscribe

Joe Miller from Ocala, Florida is a familiar face in the Florida Ultra and Trail Running scene.  He's very involved in the community, especially Central Florida.  He played a part in just about every attempt at the Across Florida 200 in the last year or so, not to mention he is co-host of the most popular podcast in Florida.  He's a military combat veteran, been involved in law enforcement after that, and is the epitome of service.  He's also got a great beard and calves.  Enjoy his story and learn about his new venture, Combat Racing.  You can find wherever you get your podcasts.  @thelazytrailrunner Where's The Finish PodcastCombat Racing EventsSquirrel's Nut Butter: Natural Anti-Chafe & Skin Restoring SalvesMount to Coast | For runners who transcend distance.PlayOn Pain Relief l Nature's Hot & Cold Therapy – PlayOn ReliefFood for Athletes ⚡ #1 Sports Nutrition Store for performance boosting fuel, hydration, gear and more. FREE Shipping24 Days For Team USA Virtual Challengehttps://www.thehotboxsauna.com/?ref=MARTYGARDNERcode - HOTMARTY5

In this episode, Jeffrey Berk, VMD, MRCVS, joined us to talk about his involvement in Thoroughbred sales, particularly for yearlings, 2-year-olds, and young track horses.Dr. Berk began his veterinary career as a racetrack practitioner and subsequently started a practice in Ocala, Florida. He is currently residing and practicing in Lexington, Kentucky, with Equine Medical Associates. His primary practice focus is international Thoroughbred sales work. His horse ownership has included the purchasing, breeding, selling, and racing of Thoroughbreds.This episode of Disease Du Jour is brought to you by Equithrive.GUESTS AND LINKS - EPISODE 162:Host: Carly Sisson (Digital Content Manager) of EquiManagement | Email Carly (CSisson@equinenetwork.com)Guest: Dr. Jeffrey Berk, VMD, MRCVSPodcast Website: Disease Du JourThis episode of Disease Du Jour podcast is brought to you by Equithrive.Connect with the Host:Carly Sisson (Digital Content Manager) of EquiManagement | Email Carly (CSisson@equinenetwork.com)

In this episode, Jeffrey Berk, VMD, MRCVS, joined us to talk about his involvement in Thoroughbred sales, particularly for yearlings, 2-year-olds, and young track horses.Dr. Berk began his veterinary career as a racetrack practitioner and subsequently started a practice in Ocala, Florida. He is currently residing and practicing in Lexington, Kentucky, with Equine Medical Associates. His primary practice focus is international Thoroughbred sales work. His horse ownership has included the purchasing, breeding, selling, and racing of Thoroughbreds.This episode of Disease Du Jour is brought to you by Equithrive.GUESTS AND LINKS - EPISODE 162:Host: Carly Sisson (Digital Content Manager) of EquiManagement | Email Carly (CSisson@equinenetwork.com)Guest: Dr. Jeffrey Berk, VMD, MRCVSPodcast Website: Disease Du JourThis episode of Disease Du Jour podcast is brought to you by Equithrive.Connect with the Host:Carly Sisson (Digital Content Manager) of EquiManagement | Email Carly (CSisson@equinenetwork.com)

Callers wish Hake a happy b-day, and talk ancient history including the Epstein "conspiracy theory," the Civil War, and WHM heroes!The Hake Report, Thursday, July 17, 2025 ADTIMESTAMPS* (0:00:00) Start / Happy Birthday* (0:05:49) Maurene Comey FIRED!* (0:08:50) Hey, guys!* (0:12:33) Punchie TV podcast* (0:13:40) PETE, AK: Happy b-day* (0:15:23) ROBERT, KS: Don't look! 17th. Virgo.* (0:19:00) ROBERT: Epstein PDF shill?* (0:25:22) DANIEL, TX: Teamwork* (0:30:14) DANIEL: Lee vs Grant* (0:43:29) Supers: B-days…* (0:49:31) MARK, L.A., WHM heroes, old Hollywood libs, new Superman* (0:54:19) MARK: Epstein homework* (1:06:15) STEVE'N, MD: Bashing Mark* (1:15:17) STEVE'N: PDF stuff* (1:18:27) WILLIAM 7, CA: Frosty! 44! Why the Epstein hype? Encouragement* (1:27:09) Supers/Coffees* (1:31:50) MARI, CA, b-day greeting* (1:33:24) NICK, FL, 1st: Trump's tactics* (1:38:07) DAVID, Ocala, FL: B-day, 44, No dryers, Psycho, Eastwood's Gauntlet* (1:45:56) BIGG BUMP, CA: Ghislaine Maxwell, the boss? Trust Trump…* (1:52:34) No CSAL! Last supers! ClosingBLOG https://www.thehakereport.com/blog/2025/7/17/the-hake-report-thu-7-17-25PODCAST / Substack HAKE NEWS from JLP https://www.thehakereport.com/jlp-news/2025/7/17/do-you-believe-or-do-you-know-jlp-thu-7-17-25–Hake is live M-F 9-11a PT (11-1CT/12-2ET) Call-in 1-888-775-3773 https://www.thehakereport.com/showVIDEO: YT - Rumble* - Pilled - FB - X - BitChute (Live) - Odysee*PODCAST: Substack - Apple - Spotify - Castbox - Podcast Addict*SUPER CHAT https://buymeacoffee.com/thehakereportSHOP - Printify (new!) - Cameo | All My LinksJLP Network: JLP - Church - TFS - Nick - PunchieThe views expressed on this show do not represent BOND, Jesse Lee Peterson, the Network, this Host, or this platform. No endorsement or opposition implied!The show is for general information and entertainment, and everything should be taken with a grain of salt! Get full access to HAKE at thehakereport.substack.com/subscribe

All 7 candidates for Ocala mayor had their payments disqualified. What's wrong with Republicans in the house and senate? Simon hates being late. Tonya J. Powers on the Defense department schools banning books. Is time blindness real?

All 7 candidates for Ocala mayor had their payments disqualified. What's wrong with Republicans in the house and senate? Simon hates being late. Tonya J. Powers on the Defense department schools banning books. Is time blindness real?

W Miejscu Pamięci od 2005 roku działa Międzynarodowe Centrum Edukacji o Auschwitz i Holokauście, powołane do istnienia w wyniku starań Ocalałych z Auschwitz. O tym jak dziś wygląda edukacja Miejscu Pamięci i jakie stoją przed nią wyzwania w kontekście współczesności rozmawiają dyrektor Muzeum dr Piotr Cywiński i dyrektor Centrum Edukacji Andrzej Kacorzyk.

Edukacja w Miejscu Pamięci Auschwitz realizowana była od momentu utworzenia Muzeum w 1947 r., a pierwszymi przewodnikami byli Ocalali, którzy opowiadali odwiedzającym o tragicznej historii obozu ze swojej osobistej perspektywy. To w wyniku starań Ocalałych w 2005 roku powstało Międzynarodowe Centrum Edukacji o Auschwitz i Holokauście. O początkach jego istnienia, pierwszych projektach edukacyjnych i o ważnych wyzwaniach opowiada pierwsza dyrektor Centrum Edukacji – Krystyna Oleksy. 

This episode of In Stride is presented by The Eventing Series by Natalie Keller Reinert and Flatiron Books. You can find The Eventing Series books in paperback, ebook, and audiobook wherever books are sold. Follow Natalie Keller Reinert on Instagram at @NatalieKReinert. In this episode of “In Stride,” Sinead is joined by international 4* event rider Alex O'Neal. Alex O'Neal is a top-level U.S. event rider and course designer known for his thoughtful approach to developing both horses and riders. Originally from the Chicago area, Alex grew up foxhunting and competing in Pony Club. Now based in Ocala, Florida, he competes successfully through the four-star level and has earned accolades including a win at the Ocala Jockey Club CCI3*-L, a top finish at the USEF National 7-Year-Old Championship, and multiple selections to the USEF Development Training List. Alongside his wife, 5* event rider Ellie O'Neal, he runs O'Neal Equestrian, a thriving program focused on training, competition, and breeding. The pair have produced numerous homebred “Redtail” horses, regularly developing young talent through the USEA's YEH and FEH programs. With a passion for course design and a commitment to horsemanship, Alex continues to be a respected and rising presence in the U.S. eventing community. In this episode, Alex shares insights into his career, business, and life in the sport, including: • What it's been like competing in Europe as part of the Developing Tour and how the experience is shaping his perspective. • How his business model has evolved over the years and the lessons he's learned along the way. • The dynamic he and his wife Ellie have as partners in both business and riding, and how they support each other in and out of the saddle. • Why he values starting his horses from the ground up through his breeding program and how that impacts long-term success. Join Alex and Sinead in this engaging conversation about riding at the highest level while building a business and a balanced life around it.

Don't even know what's real anymore! Fake news, AI, dictionary. Juneteenth is no good for blacks, blacks! Paul, Muhammad, Joseph Smith, and the "Word of God"?The Hake Report, Friday, June 27, 2025 ADTIMESTAMPS* (0:00:00) Stream* (0:05:54) Crishaun, guest, N-word drama* (0:13:25) Hey, guys!* (0:15:58) LUCAS, CA: I dreamed he was dead! felt alone!* (0:21:49) Super / Coffee / Rumble Rants yesterday* (0:29:00) ALEX, CA: Using AI?* (0:35:59) ALEX: Social Media* (0:38:02) Dictionary is fake news. Don't know what to believe* (0:39:46) News…* (0:53:15) Juneteenth vs Trump* (1:00:12) DAVID, Ocala, FL: Think they're special; Karmelo Anthony* (1:04:47) DAVID: Angel or demon? Paul's warning… CJ* (1:11:07) Shoutout to chat… The Fallen State Lilly Gaddis* (1:16:49) ANTHONY, SoCal: Muhammad…* (1:23:06) ANTHONY: The Bible, the "Word of God"? "Divinity of Jesus"* (1:34:30) ANTHONY: Attack on Church in Syria… Assad? Another coming?* (1:38:57) ANTHONY: Praying for others* (1:40:16) WILLIAM, CA: Hot! Black politicians. Trump winning, Supreme Court* (1:45:17) Supers / Rumble Rants…* (1:48:20) ROB, NorCal: FE vids. Working model.* (1:51:13) JERMAINE, Canada: Punchie TV on fire* (1:53:25) ClosingBLOG https://www.thehakereport.com/blog/2025/6/27/the-hake-report-fri-6-27-25PODCAST / Substack HAKE NEWS from JLP https://www.thehakereport.com/jlp-news/2025/6/27/jlp-fri-6-27-25–Hake is live M-F 9-11a PT (11-1CT/12-2ET) Call-in 1-888-775-3773 https://www.thehakereport.com/showVIDEO: YT - Rumble* - Pilled - FB - X - BitChute (Live) - Odysee*PODCAST: Substack - Apple - Spotify - Castbox - Podcast Addict*SUPER CHAT https://buymeacoffee.com/thehakereportSHOP - Printify (new!) - Cameo | All My LinksJLP Network: JLP - Church - TFS - Nick - PunchieThe views expressed on this show do not represent BOND, Jesse Lee Peterson, the Network, this Host, or this platform. No endorsement or opposition implied!The show is for general information and entertainment, and everything should be taken with a grain of salt! Get full access to HAKE at thehakereport.substack.com/subscribe

The thriving Ocala downtown and surrounding prosperous areas are a testament to the vision and hard work of the Ocala Chamber and Economic Partnership. Foundation VP Jessica Gilbert is joined by Janie and Joe Tardiff with Ocala Design Group, outlining dramatic changes over the last dozen years, becoming the #1 growth metro in the US. And how added opportunities are balanced with maintaining the area's traditional character.

Send us a textOn this episode: The crew catches up with Julian Foster joins the table to discuss life behind the scenes of Cayman In Paradise, his unexpected journey from Ocala to becoming a pillar for the LGBTQ+ community, and the ins and outs of rebranding a major Cayman business. Kisha drops real talk on buying a home with your pension, and the team dishes out practical advice and island insights as always. Expect banter, honesty, and a big dose of Cayman reality.Support the show

New Yorkers' blind pride. Grew up "poor" in a "rough" area, NOT! Calls! Are whites under attack? Joe "banned"! Worry: making the wrong decision?The Hake Report, Wednesday, June 25, 2025 ADTIMESTAMPS* (0:00:00) Start — Disclaimer* (0:04:37) New Yorkers* (0:13:56) Hey, guys!* (0:17:44) Supers/Coffee: Jewish people and the countries* (0:28:47) RICK, Hampton, VA: Trades; JLP/crew shoutout* (0:31:53) RICK: Trump-Iran; Blind hate; Dems/Repubs* (0:36:16) DAVID, Ocala, FL: Pearl; Diversity; Govt not trustworthy* (0:40:25) DAVID: black communities, childhood* (0:50:00) DAVID: Lifespan, health* (0:53:14) SEBASTIAN, Italy, 1st: Thx, helped my life, forgave* (0:55:48) SEBASTIAN: Making decisions … See a friend?* (1:05:21) JOE, Phoenix, AZ: Is he banned? The black thing, "Snake"* (1:21:34) SEBASTIAN: Worry, wrong decisions?* (1:30:08) Supers / Coffees, Biblical Advice* (1:39:34) REAGAN, TN… Construction: Immigrants hiding; Ladies, blacks* (1:49:49) ALEX, CA: Attack on us? Examples… ClosingBLOG https://www.thehakereport.com/blog/2025/6/25/the-hake-report-wed-6-25-25PODCAST / Substack HAKE NEWS from JLP https://www.thehakereport.com/jlp-news/2025/6/25/jlp-wed-6-25-25–Hake is live M-F 9-11a PT (11-1CT/12-2ET) Call-in 1-888-775-3773 https://www.thehakereport.com/show*SUPER CHAT https://buymeacoffee.com/thehakereportSHOP - Printify (new!) - Cameo | All My LinksJLP Network: JLP - Church - TFS - Nick - PunchieThe views expressed on this show do not represent BOND, Jesse Lee Peterson, the Network, this Host, or this platform. No endorsement or opposition implied!The show is for general information and entertainment, and everything should be taken with a grain of salt! Get full access to HAKE at thehakereport.substack.com/subscribe

Piper hosts Plaidcast in Person in front of a live studio audience at the Wadsworth Atheneum in Hartford, CT with guests Don Stewart, Emma Fass, Michael Lenard & Kate Rice Nilan. Brought to you by Taylor, Harris Insurance Services.Host: Piper Klemm, publisher of The Plaid HorseGuest: Don Stewart has a long and illustrious career as a top trainer specializing in the hunters and equitation. He was leading hunter rider at the National Horse Show twice, and as a trainer, has coached many national champions and medal finals winners. Don has a famous sense of humor and a knack for getting his students to relax and succeed in some of the most competitive, high-pressure horse shows in the country. Don operates Don Stewart Stables in Ocala, FL. Guest: Emma Fass is an amateur rider in Virginia, a software engineer, and an entrepreneur. She founded RingSide Pro in 2020 to provide horse shows with better tools and make the experience of horse showing smoother. RingSide Pro is now used all over the country, from local shows to Pony Finals and the USHJA International Hunter Derby. Guest: Michael Lenard is the CFO and co-founder of Horse Spot, a cloud-based platform transforming horse show management through real-time scoring, streamlined entries, and enhanced user experience. A former CPA and Certified Fraud Examiner, he transitioned to the equestrian world full-time after years of competing at the 1.40 m level. He also holds a USEF “R” Jumper Judge license and has managed A-rated shows nationwide. Under his leadership, Horse Spot now supports over 350 shows across 28 states and three countries. Guest: Kate Rice Nilan is the Founder of StableSecretary, one of the original barn management technologies. Kate is a lifelong equestrian who grew up as a competitive junior rider and has spent decades immersed in the hunter/jumper world. She's worn just about every hat you can imagine in a barn—groom, barn manager, assistant trainer, business owner, freelance rider and teacher, and even “horse show mom.”  In recent years, she has gotten back in the show ring herself in the amateur hunters and equitation.Beyond the ring, Kate has also worked in web development, tech support, and education—bringing a unique blend of real-world horse experience and technical expertise to everything she does. She leads product development and customer support for StableSecretary, and still finds time to get back in the saddle whenever she can.Title Sponsor: Taylor, Harris Insurance ServicesSubscribe To: The Plaid Horse MagazineSponsors: Purina, Foxhall Equine and Great American Insurance Group Join us at an upcoming Plaidcast in Person event!

Callers on yesterday's guest Third Rail Omar: Israel or Iran? Hake's Gatekeeper tee! It's "Juneteenth." Where is the love?The Hake Report, Thursday, June 19, 2025 ADTIMESTAMPS* (0:00:00) Start* (0:03:17) Juneteenth … Judging Trump* (0:05:29) Hey, guys! Gate Keeper Hake* (0:07:43) JAIME, MN: Britain had Iran, Israel; Third Rail Omar* (0:14:20) JAIME: FE, tower, sunset twice, sphere if you observe* (0:15:40) DANIEL, TX: Faced with death, you'd accept a fever* (0:18:11) DANIEL: Afraid of the Israel Lobby?* (0:21:54) DANIEL: They won't go back!* (0:24:18) DANIEL: RIP Azzmador one year ago* (0:27:02) DANIEL: identifying as white: Mistake* (0:28:46) ROBERT, KS: Iran or Israel…* (0:34:27) Chatting snake pit on Islam, and knowledge pursuits* (0:39:47) Supers / Coffees* (0:43:32) Bigg Bump: Ron Paul on Israel, Hamas, in the day* (0:50:56) CORY, FL: "Palestinians" were Bedouin Arabs* (0:57:46) CORY: Juneteenth, MLK Day…* (1:01:59) ANTHONY, SoCal: "cousins in the military"; Iran "pallets of cash"* (1:06:05) ANTHONY: "Reparations" or Jubilee?* (1:07:39) ANTHONY: Israel, Iran's laws, Islam… Egyptian Coptic with facts* (1:21:21) ANTHONY: Ted Cruz, Israel and the Middle East* (1:24:34) Super / Coffees — Juneteenth* (1:26:19) Supers / Rumble — Israel* (1:31:04) JEFF, LA: Iceland, Ireland, Italy vs Israel, Iran, India, Indonesia, Iraq* (1:34:50) DAVID, Ocala, FL… Muslims on Jesus* (1:39:45) ALLEN, MI… Analysis is true, but solutions are wrong.* (1:42:56) ELIJAH, CA: Jewish beliefs, Stone Age* (1:51:49) BIGG BUMP: In a tizzy! Juneteenth was never mentioned…* (1:54:36) Bye!BLOG https://www.thehakereport.com/blog/2025/6/19/the-hake-report-thu-6-19-25PODCAST / Substack HAKE NEWS from JLP https://www.thehakereport.com/jlp-news/2025/6/19/jlp-thu-6-19-25–Hake is live M-F 9-11a PT (11-1CT/12-2ET) Call-in 1-888-775-3773 https://www.thehakereport.com/showVIDEO: YT - Rumble* - Pilled - FB - X - BitChute (Live) - Odysee*PODCAST: Substack - Apple - Spotify - Castbox - Podcast Addict*SUPER CHAT https://buymeacoffee.com/thehakereportSHOP - Printify (new!) - Cameo | All My LinksJLP Network: JLP - Church - TFS - Nick - PunchieThe views expressed on this show do not represent BOND, Jesse Lee Peterson, the Network, this Host, or this platform. No endorsement or opposition implied!The show is for general information and entertainment, and everything should be taken with a grain of salt! Get full access to HAKE at thehakereport.substack.com/subscribe

Would you like to attend a live recording of Florida Uncut? Be sure to save the date of July 12, 5–9 PM for a new exhibition "Blazing the Trail: From Strand to Slough" and a live recording of "Wild Takes: Florida Uncut Podcast Live" from 5-8pm at the Wild Space Gallery in St. Pete! I'll be there interviewing the folks behind the scenes of the Florida Wildlife Corridor Foundation's last expedition, and upcoming film. In this episode, we catch up with Joe Howard, one of the original trekkers on the O2O: Path to Connection expedition. Joe reflects on his journey across the Ocala to Osceola Wildlife Corridor, an ambitious, 57-mile boots-on-the-ground adventure aimed at raising awareness for one of the most critical wildlife linkages in Florida.We're speaking with Joe, a career Florida state parks manager, nearly two years after the trek because the story didn't end on the trail. Just last week, the Florida Cabinet approved a major land acquisition in the O2O region, securing nearly 78,000 acres of high-priority conservation land. It's a huge victory for Florida's Wildlife Corridor, and for the vision Joe and the O2O team helped bring to life.Tune in as we talk with Joe about the power of storytelling, what it meant to be part of the expedition, and how it feels to see real policy action happen in a place he walked to protect.Watch O2O: Path to Connection hereRead more about the approved funding for the 77,877 acres of land here. 

For his vigilance, professionalism and dedication, the Ocala Police Department and 97.3 The SKY are proud to salute Officer Parker Morley as today's Valor Honoree

FLORIDA FRIDAY - Floridaman posed as a flight attendant to score more than 100 free flights. Floridaman tried to pay for intercourse at a strip club then called 911 to complain about not receiving services. Ron DeSantis Says Floridians Have Right to Hit Protesters With Cars. Naked Floridaman with a junk pump arrested near Ocala gas station. // SUPPORT by joining the Weird AF News Patreon http://patreon.com/weirdafnews - OR buy Jonesy a coffee at http://buymeacoffee.com/funnyjones - Buy MERCH: https://weirdafnews.merchmake.com/ - Check out the official website https://WeirdAFnews.com and FOLLOW host Jonesy at http://instagram.com/funnyjones

If you have to say it, it's already gone! Is the Kingdom of Kush a fairy tale? Should she leave him and take the kids with her?The Hake Report, Tuesday, June 10, 2025 ADTIMESTAMPS* (0:00:00) Start* (0:01:28) Disclaimer* (0:04:09) "politicizing research" and "Public Health"* (0:09:40) Father's Day established when father* (0:14:00) Hey, guys!* (0:15:32) MARK, CA: Terror, Toynbee vs Herodotus, Kush a fairy tale?* (0:30:34) MANUEL, Fresno: Kush gender equality, Civilizations* (0:45:11) MANUEL: Portuguese s—cide squads* (0:46:29) LEXI, OH, 1st, 22, "husband" 39, second kid on the way, but…* (1:20:37) Supers / Coffees* (1:31:46) DAVID, Ocala, FL: Venting* (1:34:50) DAVID: Elijah, Jewish people, Book of Enoch* (1:37:02) DAVID: illegal CA, One World* (1:39:40) Coffee: No masks!* (1:41:49) Supers from BitChute, Pilled* (1:43:25) RUDY, CA, 1st: Kingdom of Kush* (1:47:52) RONNIE, OH: Kush and Mark* (1:52:11) JEFF, LA: Steal Adidas and a cell; Riots, Mexican Prez* (1:54:20) ClosingBLOG https://www.thehakereport.com/blog/2025/6/10/the-hake-report-tue-6-10-25PODCAST / Substack HAKE NEWS from JLP https://www.thehakereport.com/jlp-news/2025/6/10/jlp-tue-6-10-25–Hake is live M-F 9-11a PT (11-1CT/12-2ET) Call-in 1-888-775-3773 https://www.thehakereport.com/showVIDEO: YT - Rumble* - Pilled - FB - X - BitChute (Live) - Odysee*PODCAST: Substack - Apple - Spotify - Castbox - Podcast Addict*SUPER CHAT on platforms* above or BuyMeACoffee, etc.SHOP - Printify (new!) - Cameo | All My LinksJLP Network: JLP - Church - TFS - Nick - PunchieThe views expressed on this show do not represent those of BOND, Jesse Lee Peterson, the Network, this Host, or this platform. No endorsement or opposition implied!The show is for general information and entertainment, and everything should be taken with a grain of salt! Get full access to HAKE at thehakereport.substack.com/subscribe

Calls on black civilizations! "Drop the FE stuff, Hake!" Police vs different races. Health tips: Sunlight, grounding. Elon vs Trump?The Hake Report, Friday, June 6, 2025 ADTIMESTAMPS* (0:00:00) Start* (0:02:13) Disclaimer* (0:05:10) Hey, guys! …Facts vs Truth tee* (0:07:21) DAVID, Ocala, FL: Black gal set Circle K worker on fire* (0:10:45) DAVID: Undercover racists, Obama* (0:12:25) DAVID: Fiber Optics, Aliens or interdimensional beings, Govt* (0:21:46) DAVID: Nobody's held accountable* (0:25:31) Supers 1 - Cashapp, Coffees…* (0:32:31) Coffees: Ronnie: Civilizations? Popcorn: Don't get involved?* (0:38:39) WILLIAM 7, CA: Secret Tech…* (0:43:55) WILLIAM 7: Horizon is a vanishing point, you can zoom in…* (0:54:17) MARK, L.A.: Chauvin/Floyd vs Mike Byrd/Ashli Babbitt* (1:02:27) MARK: black civilizations, Marcus Garvey* (1:08:15) MANUEL, CA: Reefer trucks, fiber, stoplight, Mali, slavery* (1:11:52) MANUEL: Jewish people, slavery, Portuguese* (1:13:51) MANUEL: WN or BN neighbor, "mixed"* (1:18:21) CJ, WA: Actually looking stuff up* (1:21:22) CJ: Kush, Macrobians meat, Mali, inventions* (1:25:48) CJ: Sunlight penetrates skin to bones…* (1:29:59) CJ: Antioxidants… Plasticized rubber shoes… electrons* (1:33:37) Supers… Rumble* (1:38:35) Coffees… black stuff* (1:42:38) HADEN, TX: black civilizations* (1:47:16) HADEN: Elon treasonous vs Trump* (1:53:19) Last Supers: CJ… Priorities: Jeff, Allen, Elijah, WilliamLINKSBLOG https://www.thehakereport.com/blog/2025/6/6/the-hake-report-fri-6-6-25PODCAST / Substack HAKE NEWS from JLP https://www.thehakereport.com/jlp-news/2025/6/6/jlp-fri-6-6-25Hake is live M-F 9-11a PT (11-1CT/12-2ET) Call-in 1-888-775-3773 https://www.thehakereport.com/showVIDEO: YT - Rumble* - Pilled - FB - X - BitChute (Live) - Odysee*PODCAST: Substack - Apple - Spotify - Castbox - Podcast Addict*SUPER CHAT on platforms* above or BuyMeACoffee, etc.SHOP - Printify (new!) - Cameo | All My LinksJLP Network: JLP - Church - TFS - Nick - Joel - PunchieThe views expressed on this show do not represent those of BOND, Jesse Lee Peterson, the Network, this Host, or this platform. No endorsement or opposition implied!The show is for general information and entertainment, and everything should be taken with a grain of salt! Get full access to HAKE at thehakereport.substack.com/subscribe

Ever dream of taking a vacation without your real estate business grinding to a halt? What if you could be sipping cocktails on a cruise ship while someone handles your $1.5 million listing back home? That's exactly what David Mayhew's Agents Butler service makes possible.The eternal challenge of work-life balance in real estate takes center stage in this revealing conversation with David Mayhew, founder of Agents Butler and broker trainer at Charles Ruttenberg Realty. A military veteran who entered real estate in 2021, Mayhew identified a critical need during the pandemic market frenzy: agents desperately needed reliable, licensed backup to maintain their business during absences.Agents Butler functions as your licensed assistant, handling everything from basic property access ($50 per door) to MLS entries ($150) and even full transaction management through reverse referrals. The beauty lies in its simplicity – agents maintain their commission structure while gaining freedom to step away when needed. Mayhew shares powerful success stories, including agents who've maintained thriving businesses during family medical emergencies and personal crises.The conversation explores how the service works legally (operating as an LLC that invoices agents directly), coverage areas (extending to Orlando, Sarasota, and Ocala), and the range of services available – from video walkthroughs to inspection attendance with detailed reporting. For agents seeking that elusive work-life balance or those facing unexpected life challenges, Agents Butler represents a practical solution that answers the age-old question: who watches your listings while you're away?Ready to finally take that vacation without sacrificing your business? Reach David at 352-667-4269 and discover how Agents Butler can transform your approach to real estate and personal time.

Veterinarians and research scientists from around the world gathered in Ocala, Florida last week for the 27th Annual Equine Health and Nutrition Conference. Hosted by Kentucky Equine Research (KER), speakers included Dr. Hilary Clayton, Dr. Stephanie Valberg, Dr. Joe Pagan, and other experts in feeding, conditioning, and preparing the equine athlete for competition. Dr. Lydia Gray was in attendance and summarized the key findings from the three days of research presentations in this webinar.

“How could a Tuesday be worse than a Monday?” That's the question that kicks off a hilariously unpredictable episode of The Ben and Skin Show, where the crew dives headfirst into the absurd, the local, and the oddly profound.Join hosts Ben Rogers, Jeff “Skin” Wade, Kevin “KT” Turner, and Krystina Ray as they unravel the mysteries of midweek malaise, debate the statistical sadness of Tuesdays, and celebrate the rise of a new fashion icon—Skin, the next great Hawaiian shirt guy. “All I can do is get up and take it one shirt at a time,” he declares, in what might be the most inspirational quote of the week.This episode is packed with:

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

Is America over, or is the best yet to come? AI-generated "sextortion" pics drove boy to suicide? Chinese paraglider sucked 5-miles up! Moon landing "denied"!The Hake Report, Monday, June 2, 2025 ADTIMESTAMPS* (0:00:00) Rough Start - "I believe in The Hake Report"* (0:05:42) Hey, guys! Obvious Globe* (0:07:40) DAVID, Ocala, FL: Disagree on Sean Grayson* (0:11:53) DAVID: Be careful talking about Paul in the Bible* (0:16:33) DAVID: Love waxing cold; USA's over; Moon; 9/11* (0:24:11) DAVID: You should go out with Pearl* (0:25:51) ALLEN, MI: Anti-Paul stuff; NT, OT* (0:28:35) ALLEN: Moon landing denied, ascending to heaven* (0:35:26) ALLEN: 250-year empire, Hammurabi's Code, "usury"* (0:40:24) Supers / Coffees … Trump "Pepe"?* (0:49:42) News…* (0:51:35) Boeing* (0:53:52) AI-generated suicide* (1:03:18) PRINCE, TX, 1st* (1:08:22) HADEN, TX: Country music; Attack on men vs whites?* (1:19:21) HADEN: The best is yet to come* (1:22:52) Super / Coffee: Trump…* (1:26:28) Paraglider in China sucked 5 miles up!* (1:32:09) MARK, L.A.: Story tips* (1:35:08) MARK: Popcorn: Policy; 1964, "N-word"* (1:39:31) WILLIAM, CA… History, Worst Presidents, Don't be fooled* (1:45:28) WILLIAM: Maxine, Elon news… Answer yes or no! Rich people* (1:50:33) ROB, NorCal: FE beyond the horizon …* (1:54:17) ClosingLINKSBLOG https://www.thehakereport.com/blog/2025/6/2/the-hake-report-mon-6-2-25PODCAST / Substack HAKE NEWS from JLP https://www.thehakereport.com/jlp-news/2025/6/2/jlp-mon-6-2-25Hake is live M-F 9-11a PT (11-1CT/12-2ET) Call-in 1-888-775-3773 https://www.thehakereport.com/showVIDEO YT - Rumble* - Pilled - FB - X - BitChute (Live) - Odysee*PODCAST Substack - Apple - Spotify - Castbox - Podcast Addict*SUPER CHAT on platforms* above or BuyMeACoffee, etc.SHOP - Printify (new!) - Cameo | All My LinksJLP Network: JLP - Church - TFS - Nick - Joel - Punchie Get full access to HAKE at thehakereport.substack.com/subscribe

In this episode, Rachel Mottet, PhD, of Legacy Equine Nutrition in Ocala, Florida, describes the importance of the gut microbiome for overall horse health and how owners and barn managers can maintain their animal's gut microbiome health. She explains how diet can support the gut microbiome, the negative effects of feed and management changes on the microbiome, and one thing she wishes everyone knew about the equine gut microbiome.GUESTS AND LINKS - EPISODE 28:Host: Hailey KerstetterGuest: Rachel Mottet, PhD of Legacy Equine Nutrition | Facebook - Legacy Equine Nutrition | Equine Nutrition Education (group)Please visit our sponsor, who makes all this possible: Purina Animal Nutrition

In this select rebroadcast episode KJ explores the legend of the Pigman of Northfield Vermont. And Bill reviews an epic Bigfoot adventure from the 1950s reported by an avid hunter reflecting back on a youthful hunting trip outside of rural Ocala Florida. And some great listener mail from many of you so please join us!  Thank you for listening!www.bigfootterrorinthewoods.comProduced by: "Bigfoot Terror in the Woods L.L.C."

Update: Duck that was 'terrorizing' a Cape Coral neighborhood has been relocated to Ocala, Father and son who were on fishing trip are the latest to have a 'credible' Bigfoot encounter, Duvaaaal....Jacksonville man caught on camera putting a $650 ferret down his shorts in pet store

Bovine Mamary Secretion Day. Trump denounces court's 'political' tariff decision, calls on SCOTUS to act fast "Jimmy" the Duck who terrorized a Cape Coral neighborhood, was relocated to Ocala. Bill Deger from Accu Weather prepares us for the upcoming Hurricane Season.

Terrible things happening in Africa and America! Hake's fitness gets scrutinized. Why are we in such decline?The Hake Report, Friday, May 23, 2025 ADTIMESTAMPS* (0:00:00) Start* (0:01:49) Placeboing, Supers: M— C— slurs, per Dictionary …* (0:13:36) Rhodesian Ridgeback* (0:19:52) Justin: God bless Trump* (0:21:32) Hey, guys!* (0:23:50) ALEX, CA: Culling elephants for Zimbabwe* (0:29:37) ALEX: Uptalk etc* (0:32:13) MICHAEL, Canada: Pushups, remedial fitness* (0:40:14) MICHAEL: Mark Carney vs Trump* (0:48:40) MICHAEL: Boomers in Canada* (0:51:30) Super, Coffees* (0:59:27) Chinese to Congolese … Forever* (1:06:09) DAVID, Ocala: 12 pushups?! Working out* (1:11:05) DAVID: Out-of-wedlock births, protection of God* (1:14:06) DAVID: RIP Kevin Samuels…* (1:15:33) DAVID: Angel Reese, Caitlin Clarke…* (1:19:00) DAVID: Demographic change… Ilhan Omar* (1:22:33) MANUEL, CA: Trump-SA refugee chess; Population decline* (1:33:10) JEFF, LA: Cabbage gives cows gas; Trump "ambush"; Min wage* (1:41:00) RONNIE, OH: Obama; White appreciation* (1:47:09) BROGAN, Boston from Ireland: Problems* (1:50:57) MARK, L.A.: They're let off for crimes! ENDLINKSBLOG https://www.thehakereport.com/blog/2025/5/23/the-hake-report-fri-5-23-25PODCAST / Substack HAKE NEWS from JLP https://www.thehakereport.com/jlp-news/2025/5/23/jlp-fri-5-23-25Hake is live M-F 9-11a PT (11-1CT/12-2ET) Call-in 1-888-775-3773 https://www.thehakereport.com/showVIDEO YT - Rumble* - Pilled - FB - X - BitChute (Live) - Odysee*PODCAST Substack - Apple - Spotify - Castbox - Podcast Addict*SUPER CHAT on platforms* above or BuyMeACoffee, etc.SHOP - Printify (new!) - Cameo | All My LinksJLP Network: JLP - Church - TFS - Nick - Joel - Punchie Get full access to HAKE at thehakereport.substack.com/subscribe

Bill Golden, the founder of Golden Boat Lifts, shares his journey from moving to Florida in 1980 to building a global empire in the boat lift industry.  Bill discusses his innovative approach to manufacturing, his commitment to quality and customer service, and how he turned his initial experience with a welding machine into a successful business.  Highlights include his insights on industry challenges, the importance of listening to customers, and exciting new developments like a hurricane-resistant boat lift cover. Bill's passion for innovation and excellence shines through as he explains how he's maintained a thriving business for over 40 years. 00:00 Introduction and Greetings 00:17 Ocala's Horse Country and Rock the Country Event 01:22 Golden Boat Lifts Facility Tour 01:41 Bill Golden's Journey into the Boat Lift Business 02:32 Innovations and Manufacturing Processes 04:45 Global Expansion and Unique Installations 07:46 Challenges and Innovations in Boat Lift Design 23:01 Freestanding and Hydraulic Boat Lifts 35:27 Innovative Cable Solution 36:35 The Importance of Patents 37:45 Navigating the Patent Process 38:50 From Ideas to Market 41:24 Challenges and Successes 43:53 Customer-Driven Innovation 46:11 Hurricane Impact and Resilience 49:43 Global Expansion and Unique Projects 55:35 Future Innovations and Business Growth 01:06:50 Conclusion and Contact Information

Chicago's mayor is under fire for discriminatory city hiring. Plus SCOTUS' ruling, Russia-Ukraine talks, Ocala real estate, and breaking Tuesday morning news on Hour 3 of the Bob Rose Show for 5-20-25

Ocala has the most reasonable property in Florida, but is Southern Living's promotion of the area's affordability in jeopardy?

Preserving the Marion County horse industry with Epoch Times investigative reporter Nannette Holt. Plus the latest on Silver Springs park, a blockbuster report on the crisis in US air travel, and insider info on who will succeed Gov. Ron DeSantis.

In this episode, Emil Spadone, owner of Redfield Farm in Califon, New Jersey and Ocala, Florida, and Horseflight in Califon, New Jersey, and Wellington, Florida discusses how he developed a successful equine business and shares his advise for those hoping to own their own and run their own business. He discusses early business challenges, managing his passion for horses with the demands of running a business, and the importance of having a knowledgeable and reliable staff.GUESTS AND LINKS - EPISODE 27:Host: Hailey KerstetterGuest: Emil Spadone of Worldwide Horse Shipping / Horseflight®, Redfield Farm | Facebook - HorseFlight | Califon NJ, Redfield Farms | Instagram - Redfield Farm (@redfieldfarms), Horseflight (@horseflight) , Emil Spadone (@emilspadone)Please visit our sponsor, who makes all this possible: RIDE TV

Busy calls: The white plight worldwide! Don't cling to "sin" thinking you'll turn to God later. Does pork give you parasites?The Hake Report, Thursday, May 15, 2025 ADTIMESTAMPS* (0:00:00) Start* (0:01:43) Right on, guys … War and false peace* (0:06:17) Hey, guys!* (0:07:46) DAVID, Ocala, FL: white decline* (0:12:11) MARK, L.A.: Fans, Afrikaners in USA; Courts against America* (0:17:27) MARK: Ronnie a good guy* (0:18:46) News… Voting rights … Child Care* (0:24:06) TikToker assassination?* (0:25:20) RFK: Don't take my medical advice* (0:28:23) Coffee* (0:32:00) Rumble: Ronnie is Joe* (0:34:23) DAVID: Pence, punchable, weak* (0:37:05) DAVID: Richard Ramirez, children of the Devil* (0:40:51) DAVID: Driving a car into Dollar Tree* (0:42:14) DAVID: Ted Bundy, 12yo; extreme crimes; sin, smoking* (0:46:37) DAVID, TX: Anecdotes; DFW, band kid, minority!* (0:49:21) DAVID: White population, South Africa* (0:51:54) DAVID: Parasites in the body, "health" stuff* (1:00:39) Somalis caught scamming, India-Indians, dishonest culture* (1:03:33) Puff ex-gf, puh* (1:06:25) Pray for Derek Chauvin* (1:11:22) WILLIAM, CA: Mark vs Ronnie, crime numbers* (1:15:55) WILLIAM… War, draft, men and women* (1:19:12) WILLIAM: Terrible crime, fatigue* (1:23:24) ALLEN, MI: Intelligence, Darwin: "…preservation of favored races…"* ​​(1:26:41) ALLEN: Parasites, be careful, pork, Biblical instruction* (1:31:30) ALLEN: Woman caught in adultery* (1:34:30) ALLEN: Reform the criminal?* (1:35:29) TERRI, OR: Love for me vs Mark* (1:40:10) TERRI: Pork* (1:43:14) MARI, CA: Hi! 15 years.* (1:47:30) JAIME, MN: Mark 300. Law of Power and Truth* (1:53:08) Priority: Stev'n, Maze; Bubbzlove - "Savage Hake - Las Vegas (Feat HCS)"LINKSBLOG https://www.thehakereport.com/blog/2025/5/15/the-hake-report-thu-5-15-25PODCAST / Substack HAKE NEWS from JLP https://www.thehakereport.com/jlp-news/2025/5/15/jlp-thu-5-15-25Hake is live M-F 9-11a PT (11-1CT/12-2ET) Call-in 1-888-775-3773 https://www.thehakereport.com/showVIDEO YT - Rumble* - Pilled - FB - X - BitChute (Live) - Odysee*PODCAST Substack - Apple - Spotify - Castbox - Podcast Addict*SUPER CHAT on platforms* above or BuyMeACoffee, etc.SHOP - Printify (new!) - Cameo | All My LinksJLP Network: JLP - Church - TFS - Nick - Joel - Punchie Get full access to HAKE at thehakereport.substack.com/subscribe

Welcome! and Thank you for listening.   This is a race recap of the Skunk Ape 50 mile ultra in Ocala, Florida.  I was not abducted by the Skunk Ape, but willingly got in a car with Motivation as it sped off the race course.  Actually, it was Jim in a Nissan along with three other people pulling out of the race at 30 miles.  New friends and many life lessons once again having the opportunity to learn from mistakes.   I am disappointed and I disappointed those who support me.  Everyday is not a win but I vow to learn the hard lessons at hand.  We all struggle and it is better to do it together.  That is why we are committed to helping people gain back their health through nutrition and exercise.  The struggle is real.  If you would like to learn more about the practice, check out the website: https://doctordulaney.com/membership/join-us/ Thanks for listening! Email me at jami@doctordulaney.com Dietetic consultations: addie@doctordulaney.com Strength training consultations: nathan@doctordulaney.com Cookbook: https://a.co/d/6zVUluq Ebook: https://doctordulaney.com/powerful-plates-ebook/ Water distillers: https://mypurewater.com/?sld=jdulaney.  discount code: cleanwaterforsophie  

Keith discusses strategies for building wealth in real estate, emphasizing efficient property operations and leveraging. He suggests setting tenant occupancy limits, sub-metering utilities, and increasing rentable space. He explains the leverage ratio, which measures the relationship between debt and equity, and advises maintaining a high ratio for better returns.  Hear his take on the Florida's real estate market, including falling property values, oversupply, and rising insurance premiums. Despite these issues, Keith remains optimistic about Florida's long-term potential due to its population growth and low taxes. Free Resources: Connect with a free GRE Investment Coach at GREinvestmentcoach.com Show Notes: GetRichEducation.com/551 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  You get paid first: Text FAMILY to 66866 Will you please leave a review for the show? I'd be grateful. Search “how to leave an Apple Podcasts review”  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— text ‘GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Automatically Transcribed With Otter.ai    Keith Weinhold  0:00   Welcome to GRE I'm your host. Keith Weinhold, today, the two things you've got to focus on if you're ever going to build wealth as a real estate investor, why Trump wants to fire Fed Chair Jerome Powell, then, is Florida real estate doomed with falling property values, a housing oversupply, spiking insurance premiums and slowing population growth. It's episode 551, of get rich education.    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 the flipper or landlord. Show Host Keith Weinhold writes for both Forbes and Rich Dad advisors, who 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 and key top selling personal finance author Robert Kiyosaki, get rich education can be heard on every podcast platform, plus it has its own dedicated Apple and Android listener phone apps build wealth on the go with the get rich education podcast. Sign up now for the get rich education podcast or visit get rich education.com   Speaker 1  1:16   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  1:32   Welcome to GRE from Manhattan, Kansas to the finance capital of Manhattan in New York City, and across 188 nations worldwide, you are back inside get rich Education. I'm your host, and my name is Keith Weinhold. I think you know that by now, because we deliver weekly shows more steadily and predictably than a new tariff policy. I've got more on tariffs in a funny clip on Trump wanting to fire Jerome Powell in stories on that level soon. But first, you know one thing that I've made you mindful of lately is that a successful real estate investor needs to pay attention to two big things if you want to build wealth First, keep your property operations efficient. This is your cash flow function. And second look at your net worth statement, and be mindful that you are leveraging as many dollars as you responsibly can. Let me break down both of these for you so that you can see what I really mean here the first one, keeping your property operations efficient. That means that right up front, with a new tenant in the application, find out how many tenants are going to live there, and firmly let them know that they cannot exceed this or that they're in violation of the lease. Can you get 20% more rent, or even 50% more rent by furnishing your unit and marketing it not as a long term rental, but as a midterm rental, and targets, say health professionals that are traveling if you're in a hot rental market. Can you simply keep the rent the same, but have new incoming tenants pay a utility bill for you that you had previously been paying by sub metering your utilities. Other examples of taking the rental property you already have and making it more efficient, you know, there are more classic items, like increasing your rentable space, renting out separate on site, storage space, adding a carport, charging pet rent or just boosting the curb appeal. Can you build an adu on your property? How about appealing your property taxes or automating your rent collection. Why don't you take a look at your insurance policies? You know, a lot of them have $1,000 deductibles. Well, if you're an economically resilient investor, consider raising your deductibles to 5k that way you lower your insurance premium and increase your cash flow that way. I mean really, putting in insurance claims can be somewhat of a pain anyway. Okay, well, right. There were maybe, I don't know, 10 or 15 quick ideas for streamlining your property's operations and increasing your cash flow. Now, don't try to do every one of them, but if there's at least one or two that you can think of as low hanging fruit to go ahead and harvest with the nature of what you've got going in your portfolio. And you know, ideas like I just shared there, you can hear about that on some other real estate investing platforms. But you know what the bigger gain. Is that you can actually make they take less work and fewer people talk about these things all right, and that's the second thing I'm talking about. Yes, it is typically more profitable for you and less work for you. If, instead of all those things, you increase your leverage ratio. Now, doing this does not help your cash flow, it helps your net worth. And net worth is something that you can later convert to cash flow. And this second one increasing your leverage that's a strategy that you just don't hear about on very many real estate investing platforms. So I haven't discussed leverage ratio in a long time. So let's talk about what it is, how you can improve yours, and then what it does for building your wealth. Okay, it's the relationship between your debt and your equity, and here's how to determine yours, and then I'll tell you how you're performing. Once you've determined yours, you might even be able to do it roughly in your head. All you do is take the total value of all the real estate that you own and divide it by your loan balances. That's it. Say you own a million dollars worth of real estate and you've got 500k of total debt on all that real estate. Well, it's really simple. Just divide your value a million bucks, buy your debt, 500k and your leverage ratio is two to one. Let's just call that two. If you're looking to build wealth, that number of two is kind of low. It should be higher. It means that you've got 50% equity in your property. Now say that instead, on the day that you bought that million dollars in real estate, you only made a 200k down payment. That's awesome. A million bucks divided by 200k your leverage ratio is five. All right. Well, what are these numbers really mean? Like this two and this five? All right, it's important because it is what you use to multiply your real estate's rate of appreciation by in order to find your rate of return. So just say that your real estate appreciates 4% this year. If your leverage ratio is just two, that's only an 8% return on your skin in the game. But if you've got more debt and your leverage ratio is five, then a 4% return means you've got a 20% return on your skin in the game. Do that keep your leverage ratio high? Now, what if your leverage ratio falls all the way down to a one. What does that mean? Oh, dear, you're not really doing much to build wealth because all of your properties are paid off. You don't have any mortgages on them. So if you're down to a one, all you've got working for you, from an appreciation standpoint, is compound interest. That's the point at which you've fallen from a compound leverage instrument down to a compound interest instrument. And as we know here at GRE which is counter to the mainstream world. And yeah, the mainstream world is where you have to work all of your life at a job you hate. And that's what you'll do if all you have is unlevered compound interest, all right, and if all you have is unlevered compound interest, well, don't book your Blue Origin flight quite yet. You're not going to go on one you can count on sitting behind a desk for decades instead.   All right. Well, how do you determine your leverage ratio? Again, it's your total real estate value divided by your equity. All right. Now, how do you keep your number high? By making new purchases with 20 to 25% down payments, and by not making new purchases is another way, and instead performing cash out refinances or doing both, you know another way to increase your leverage ratio, and you might not have thought about this, it's when real estate values fall. Now, that's surely not a desirable way to do it, and it doesn't happen often, but when real estate values fall, that drops both your real estate's value and your equity value by the same amount. And interestingly, with some of the ways that I described that you can add value to a property earlier, like a carport, that makes your cash flow better, but it does make your leverage ratio worse at the same time, a way to decrease your leverage ratio fast and lower your wealth building potential fast is to make an extra principal payment of a few 1000 bucks. I mean that one act alone might drop it from, say, a 3.14 to a three point. One Two over night. But look, I don't know what real estate markets you're invested in, and if you tell me what your number is, I'm gonna know how much your future wealth building power is, because you're keeping dollars not merely compounding, but leveraged. And if your number falls below about two and a half, which means 40% equity, that's typically when I begin looking to refinance or sell an equity heavy property, to do a 1031 into a bigger one. So two and a half, that's the number where you often want to take action. And really this is all just a fresh way of approaching an enduring mantra here at GRE Oh yeah, financially free beats debt free, and this sure can make you a mutineer among the masses. And I've been talking about these mutineers sort of things a lot lately, even with a tinge of irreverence. Perhaps you might remember that three weeks ago here on the show, I discussed how, depending on your circumstance, you can even make a car loan good debt, and how a seven figure income is the new six figures and then, yes, perhaps more irreverence. Last week in your free audio course, it was pretty iconoclastic to break down in detail how a 38% rate of return from just everyday buy and hold real estate is not risky at all. And last week's episode 550 the free course, that's probably the most important episode we've done in a long time. For a beginning real estate investor, if you've got any relative or friend in your life that you know, do you have someone around you that just doesn't get it about real estate investing, that really doesn't understand why you do this, please go ahead and share last week's episode with him. Episode 550 now on to the actual person of one, Donald John Trump. And why do I always say his name that way? I don't know. I'm not sure how that ever got started, but I don't say that as often as I call myself a remorseless slack jaw. In any case, the President wants to fire the Fed Chair Jerome Powell. This is nothing new. It just flared up again. I mean, here's the latest flare up. Listen to how Trump says he's never been fond of Powell. Okay, key in on that. This is Tom llamas on NBC, nightly news. You'll also hear the voices of Trump, Powell and Elizabeth Warren in Washington.    Unknown Speaker  8:38   There's a mounting standoff between President Trump and the Chairman of the Federal Reserve. The President blasting Jerome Powell for not lowering interest rates, accusing him of playing politics. Gabe Gutierrez is at the White House with markets on edge and his trade war escalating. President Trump is lashing out at the Federal Reserve Chairman he once appointed, writing on social media that Jerome Powell's termination cannot come fast enough. I don't think he's doing the job. He's too late, always too late. Slow. And I'm not happy with him. I let him know it, and if I want him out, he'll be out of there real fast, believe me, the rebuke coming after this warning from Powell Wednesday, tariffs are highly likely to generate at least a temporary rise in inflation, the President now slamming him for not cutting interest rates to help the economy. We have a Federal Reserve Chairman that is playing politics, somebody that I've never been very fond of, actually, but he's playing politics. Powell says the Fed needs more clarity before making a move. We're never going to be influenced by any political pressure. People can say whatever they want. That's fine. Trump had previously said he would not try to replace Powell, and earlier this week, the Treasury Secretary stressed the importance of an independent federal reserve. I believe that monetary policy is a jewel box that's got to be preserved. Democrats warning of chaos if Powell is ousted, if Chairman Powell can be fired by the President of the United States, it will crash the markets in the United States. Powell, whose term as Fed Chair ends next year, has said the President does not have the legal authority to fire him. If he asked you to leave, would you go? No.   Keith Weinhold  14:38    In that clip, Trump said he's never been very fond of pow dude. You appointed him, you You appointed him as Fed Chair in your first term, where you must have liked him more than any of the other candidates. Geez. Now you may or may not like Powell, but I don't see how. He's playing politics before lowering interest rates, it's completely sensible for him to see how the tariffs play out first. The Fed has long been independent of the executive branch, so they're supposed to be Trump wants Powell to lower interest rates. And remember, Powell already cut rates a full 1% late last year, and I really don't even agree with that cut when inflation was still elevated. Trump says Powell is always too late. Well, everyone agrees that Powell was too late to raise rates back in 2022 I mean, that had to do with the whole gaff where he said that inflation is just transitory, and no one will let Powell forget that. But do you give pal credit for a soft landing? I mean, he since brought down inflation while keeping us out of a recession, that's the definition of a soft landing. You know, I don't fully give pal credit there, just a little but remember, by that point, the inflation damage has already been done. It's already hurt a lot of people, and that's not changing. Now, of course, the inflation enriched you and it enriched me, because we're the real estate investors, and inflation is always going to do that for us. What happened is that Trump is frustrated because he saw the European Central Bank just lower their rates. So that's why he wants to see that happen here too. Because of course, lower rates can help the economy, at least in the short term. So I wondered about what you think. So what I did is I asked you in our latest Instagram poll, the question I asked was simply, should Jerome Powell be retained or fired? I was a little surprised at the result. 38% of GRE Instagram poll respondents said pal should be retained, and 62% said fired. I didn't think as many as 62% would say fire Powell. My best guess is that it's because you want lower interest rates on mortgages, and my next best guess is that you want to fire Powell, not because you dislike him, but more because you want to abolish the Fed completely, which I guess means that Powell would be fired that way. Did you hear about what happened when Donald Trump called tech support? Yeah. He told them, my tariffs aren't working. Tech Support responded with, did you try turning them off and back on again.    Hey, coming up shortly is Florida real estate doomed. If you'd like to reach out to us here at the show, you can do so at get rich education.com/contact, that's whether you have a comment or a question or a concern or a content suggestion you can communicate either through voice or email on our contact page, there one thing that we don't need, respectfully, are booking agents for shows reaching out to us. You know, I used to say that we have 50 times as many guest requests to be on the show with me here as we do available spots, but now it is more than 50x and I'm really grateful to host a platform where I guess a lot of people want to join in and contribute here, but the reality is that we only have one show a week, and a lot of weeks like this one I don't have any guests at all on the Show. That page is monitored by my terrific executive assistant, Brenda, just like most everyone here at GRE She's an active real estate investor too, and again, comments, questions or concerns about the show, please contact us at the contact page and get rich education.com/contact. More. Next you're listening to get rich education.    You know what's crazy? Your bank is getting rich off of you. The average savings account pays less than 1% it's like laughable. Meanwhile, if your money isn't making at least 4% you're losing to inflation. That's why I started putting my own money into the FFI liquidity fund. It's super simple. Your cash can pull in up to 8% returns, and it compounds. It's not some high risk gamble like digital or AI stock trading. It's pretty low risk because they've got a 10 plus year track record of paying investors on time in full every time. I mean, I wouldn't be talking about it if I wasn't invested myself. You can invest as little as 25k and you keep earning until you decide you want your money back. No weird lockups or anything like that. So if you're like me and tired of your liquid funds just sitting there doing nothing. Check it out. Text family to 66866, to learn about freedom family investments, liquidity fund again. Text family to 66866    Hey, you can get your mortgage loans at the same place where I get mine, at Ridge lending group NMLS, 42056, they provided our listeners with more loans than any provider in the entire nation because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage. You can start your pre qualification and chat with President Caeli Ridge personally. Start Now while it's on your mind at Ridge lendinggroup.com, that's ridgelendinggroup.com.   T. Harv Ecker  20:45   This is the millionaire minds. T. Harv Ecker, you're listening to the powerful Get rich education with Keith Weinhold. Don't quit your day dream.   Keith Weinhold  21:10   Welcome back to get rich Education. I'm your host. Keith Weinhold is Florida real estate doomed. Most anyone that pays attention has probably noticed that the Sunshine State has some areas, well, really, a number of them where property values have actually fallen. This is tied to the fact that there's an inventory over supply. There have been spiking insurance premiums tied to hurricanes. And what about the slowing population growth, and since the pandemic, Florida has had some of the fastest growing, highest appreciating markets in the entire nation. But today, in fact, there's a giant home builder there KB Homes that finds Florida's housing market. In their words, it's weak enough that they are cutting prices this spring. And KB Homes is ranked number 545 on the fortune 1000 so they're pretty sizable. And then an even larger home builder, Lennar, they basically said the same thing. The CEO of KB Homes said, quote, demand at the start of this spring selling season was more muted than what we have seen historically, despite a healthy level of traffic in our communities. So we took steps to reposition our communities to offer the most compelling value, and buyers responded favorably to those adjustments. End of the quote, yes, that is a genteel way of saying that we had to cut prices to get buyers like I mentioned to you, starting, gosh, probably a year ago or more, that other home builders have, instead of cutting prices, offered mortgage rate buy downs to buyers, be mindful though of how much your home builder is paying for those buy downs and how much you are at the closing table. Now, as we know, nationally, there's still a housing supply shortage, but KB, who does business in other states, says that Florida is the weakest, and that's due to over supply. Now let's forget about in migration for a second. Okay, that weakness is because a lot of communities are overbuilt to the point that the in migration rate cannot keep up with the over building. And of course, it's hard to generalize. Florida is a big, populous state of 23 million people. Southwest Florida has been hit the hardest that's pretty well documented. Punta Gorda, home values are down 9% year over year. Cape Coral down 7% let's go to the opposite end of the state, and Jacksonville, up in Northeast Florida that has about seven months of housing supply. It's actually pretty close to a balanced market between buyers and sellers, and then in the center of the state, Orlando, there's six months of supply that is a balanced market where there is normalcy in negotiation between buyers and sellers and a smattering of offers on one property And no one rushing and doing things like waving their inspection and then Miami Fort Lauderdale, you know, I really don't talk about them much on the show, because their prices are too high to work well as long term cash flowing rentals, both KB and Lennar say that they're keeping an eye on tariffs and that the changes to immigration have not changed their operations very much yet, because, remember, a lot of construction laborers are immigrants, and if they get deported, and then you need to hire native born US labor. Well, home prices go up, all right. Well, what about the Florida insure? Crisis. You know, over the past few years in Florida, a bunch of carriers have just withdrawn. They have pulled out of the state, farmers, insurance, bankers, insurance, Lexington insurance, all pulled out. Farmers told The New York Times that this business decision was necessary to effectively manage risk exposure. Similarly, AAA is another carrier, and they said that they're not going to renew some policies. They said the markets become challenging. 2022 catastrophic hurricane season that really contributed to an unprecedented rise in reinsurance rates, and that made it more costly for insurance companies to operate there at all. And prior to that, the market was already strained and had increased claims costs due to inflation and excessive litigation. That's what triple A said. All right, so where does this leave homeowners? Well, some are already relying on state and federal insurance programs, like the National Flood Insurance Program. There's a state carrier called citizens now, flood insurance is not required outside of a special hazard flood area, but that doesn't mean that a home is going to escape flooding if a hurricane passes through, but having insurance it does help along and accelerate the recovery process. Florida has some of the best Building Code adoption and enforcement in the country, and that fact alone has saved 1000s of homes and billions of dollars. But modern building codes are not necessarily applied retroactively to older homes. So it's those homes and properties that really have more exposure to hurricanes, those older properties, and a lot of Floridians are just skipping insurance coverage altogether so that they don't have to pay the premiums. They don't have any coverage. If you don't have a lien holder, you can do that. You can skip it, right? Well, like, How bad is it? Exactly? Just, how much have Florida insurance premiums been jacked up at this point. They've increased 60% on average between 2019, and 2023, and while homeowners and investors are primarily bearing that rising cost burden, I mean, insurers are feeling that squeeze as well. It's not just that the incidence of hurricane events is up, but premiums rise, of course, when the cost of labor in materials that it takes to replace and rebuild a damaged home have gone up as well things like concrete and structural steel and now, of course, as real estate investors, we can eventually pass on the cost of our higher insurance premiums to the tenant in the form of a rent increase, But when it goes up 60% in just four years. It's really hard to keep up with that. Florida's infrastructure is under some strain, too, and I see this when I drive the Tampa area. Every few years, I see more and more traffic. It takes me longer to get places like it takes me two or three cycles to go through a traffic light, where it only took me one cycle a few years ago. So roads and schools and utilities are under some duress to keep up with the population growth over the past decade, statewide commute times are up 11% you know, really that shouldn't be a surprise. I mean, that is common in any high growth area. Now, when it comes to insurance rate increases, there is a good chance that the worst is now over. Yes, Florida, insurance rate increases have been slowing down. The average rate increases have dropped quite a bit from 21% back in 2023 to a projected just two tenths of 1% for 2025 okay. I mean, that's basically no change expected for this year. Citizens, property insurance, that state option that I mentioned earlier, their rates are also shrinking, with some policyholders experiencing rate decreases of 5% or more. Now, I told you on a previous show that if you're looking to add rental property in Florida, go with new build properties for low insurance rates. But now I actually got a hold of some real policies between some of my properties and some of my friends properties. I've got them right in front of me here on a 1970s build single family home. I mean, the premiums can be high. We're basically paying 1% or more of the property's value in insurance premiums each year. So a 250k A valued single family rental that was built 50 years ago has a premium of $3,000 in some cases. I mean, that's a lot, but a close friend of mine recently went to GRE marketplace, got connected with one of our Florida providers. There, he bought a new construction duplex for I forget it was either 400k or 420k it's in Ocala, Florida, which is the central part of the state, and his 12 month insurance premium is $694. Wow. What a low premium for a duplex. That's why you go new build in Florida. Newer properties were built to today's construction and wind mitigation codes, and they have low insurance rates. And his duplex also appraised for 10k more than the purchase price. He has both sides already rented. And in fact, he closes on the property today, and yeah, I recommended that he go to GRE marketplace and get into Florida property, because that is indeed what he was interested in, and I sure wasn't going to stop him. So suffice to say, I clearly do not believe that Florida real estate is doomed. Florida has long been the antidote to high tax, high cost states, it has attracted snowbirds and retirees and hourly workers and increasingly younger professionals unable to crack housing markets elsewhere. Since the pandemic, millions of people have flocked to the state. I mean, when you look at a list of the fastest growing metro areas of the United States. I mean, Florida domination continues. You've still got big ones up there, like Lakeland of Florida is actually at the top of the population growth leaderboard nationally for metros with 500,000 or more people, Port St Lucie is also up there. It's third nationally, and Orlando is fourth. Three of the top four population growth metros are still in Florida, but this promise of sunshine and opportunity that has been replaced by something just a little less Sunny. I mean, you've got the rising home prices like Florida's not that cheap anymore, this diminishing affordability and this growing pressure on infrastructure, but Florida has definitely not completely lost its shine. People across the country are still moving to Florida, but not at the same rate that they did a few years ago, and the state is still seeing more people arrive then depart, besides the weather and the beaches that people love, of course, there's zero state income tax, and Governor Ron DeSantis has even proposed eliminating the property tax, like I mentioned to you on the show a while ago, although we can't count on eliminating the property tax anytime soon, if it ever happens. But wow, what a real estate boom that property tax elimination would create. So for the long term, which is what real estate investing is, I still like Florida. One thing that I don't like is trying to catch a falling knife, and that is analogous to say, investing in an area that is going down and has no future. Florida's got a future. It's got some challenges, just like anywhere in the US, but the reason it has a future is because more population growth is almost a guarantee. You don't get many guarantees in investing. Just look at the decennial census figures. Okay, this is the population of Florida every 10 years, starting in the year 1900 that's when they had 528,000 people, yeah, only about a half million people in the entire state, and I'll do some rounding here every 10 years after that. So in 1910 it was up to 750,000 people, then a million, 1,000,005 1,000,009 now we're up to 1950 where it grew to 2.8 million people, and then 5,000,006 point 8,000,009.7, 1316, 18.8 and then 21 and a half million in 2020, and it's 23 and a half million today. Now I only went as far back as 1900 there, but their census data goes back to at least 1830 and the growth has always been torrid, just uninterrupted. Every 10 years. There has been substantial to massive growth for at least 200 years, and Florida has still. Grown more than 2% per year each of the past couple years. In fact, it is still first place of all 50 states for population growth. So areas that are over supplied with housing in Florida are going to be absorbed. So Florida real estate is definitely not doomed. And in fact, adding more Florida real estate at this time, you know, that could very well be the type of thing where 10 years from now, or even five years from now, when their population is substantially bigger and there's less housing available. I mean, it could potentially look like a wise buy that you're able to get property at this time with less competition and maybe even a small discount here in the mid 2020s, and today, you can find three Florida markets listed at GRE marketplace. What else is happening at GRE marketplace? We've added two new markets, and they are also in the South. They are Jackson, Mississippi and Montgomery, Alabama. Yes, these areas are investor advantaged, and they have prices lower than most Florida markets. Though, I don't know that you'll see the net migration inflows into Jackson and Montgomery that you will in a lot of Florida markets. Jackson has a metro population of 600,000 and Montgomery 400,000 they both have really low property taxes. And there's something else that these two new GRE marketplace cities have in common. Any guess both Jackson and Montgomery are state capitals, yes, so they do have a base of government jobs. So check out gremarketplace.com read more about those cities. And of course, we even connect you with free investment coaching there to help you get matched up with some good property. Thanks for listening. Until next week, I'm your host. Keith Weinhold, don't quit your Daydream.   Speaker 2  37:10    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  37:34   You know, whenever you want the best written real estate and finance info, oh, geez, today's experience limits your free articles access and it's got paywalls and pop ups and push notifications and cookies disclaimers, it's not so great. So then it's vital to place nice, clean, free content into your hands that adds no hype value to your life. That's why this is the golden age of quality newsletters. And I write every word of ours myself. It's got a dash of humor, and it's to the point because even the word abbreviation is too long, my letter usually takes less than three minutes to read, and when you start the letter. You also get my one hour fast real estate video. Course, it's all completely free. It's called the Don't quit your Daydream letter. It wires your mind for wealth, and it couldn't be easier for you to get it right now. Just text GRE to 66866, while it's on your mind, take a moment to do it right now. Text, GRE to 66866.   The preceding program was brought to you by your home for wealth, building, getricheducation.com.   

Last January, as you know, we made our way back to Wellington — for the fourth year in a row.Every year, we spend a few days between Wellington and Ocala, meeting riders, trainers, even owners who are part of what we call the American equestrian industry. Over the years, we've sat down with iconic names like Katie and Henri Prudent, Rodrigo Pessoa, Kent Farrington or Beezie Madden — always with one goal in mind: better understanding how the North American system works.This year, we wanted to go a step further.Rather than one-on-one interviews, we brought four riders around the table for a real conversation. A round table to ask the big questions:Why don't more American riders produce their own horses?What defines the trainer-rider relationship across the Atlantic?And most of all — what can each system, American and European, learn from the other?So here it is — an honest, passionate and even really fresh and funny conversation between Charlotte Jacobs, Marie Hécart, Mark Bluman and Quentin Judge.We hope you enjoy it as much as we did — and as always, we're looking forward to continuing the conversation with you on our socials. Hébergé par Ausha. Visitez ausha.co/politique-de-confidentialite pour plus d'informations.

Track meet suspect got house arrest! These people's politicians are a MESS! Everybody falling into the pit of anger. Busy calls today!The Hake Report, Tuesday, April 15, 2025 ADTIMESTAMPS* (0:00:00) Start* (0:01:25) It's a big mess* (0:09:50) Hey, guys! Henley* (0:11:33) DAVID, Ocala, FL: Boston councilman; Karmelo Anthony* (0:21:34) DAVID story: "Foreigner"* (0:23:37) Taking sides on Karmelo Anthony* (0:29:35) WILLIAM III, CA: these different situations, these black gals* (0:36:09) WILLIAM: China is shut down* (0:36:55) Supers/Coffees… Nicknames, s— harassment* (0:46:15) MARK, L.A.: Communist takeover incoming* (0:52:12) MAZE, Dayton, OH: Your history is your problem* (1:03:47) RICK Pt 1, Hampton, VA: Track meet incident* (1:09:13) JEFF, LA: Building the country; Karmelo bail* (1:13:11) JEFF: China tariffs, Cutting regulations* (1:23:03) JEFF: L.A. city council meeting trolls* (1:24:28) RICK Pt 2: Leaving black cities; Gary, Indiana* (1:31:14) Coffee: Haterrrr* (1:36:42) STEV'N, MD: A BUNCH OF MESS!* (1:48:20) Psalters - "The Lord's Prayer" - 2006, Divine Liturgy of the Wretched ExilesLINKSBLOG https://www.thehakereport.com/blog/2025/4/15/the-hake-report-tue-4-15-25PODCAST / Substack HAKE NEWS from JLP https://www.thehakereport.com/jlp-news/2025/4/15/jlp-tue-4-15-25Hake is live M-F 9-11a PT (11-1CT/12-2ET) Call-in 1-888-775-3773 https://www.thehakereport.com/showVIDEO YouTube - Rumble* - Facebook - X - BitChute (Live) - Odysee*PODCAST Substack - Apple - Spotify - Castbox - Podcast Addict*SUPER CHAT on platforms* above or BuyMeACoffee, etc.SHOP - Printify (new!) - Spring (old!) - Cameo | All My LinksJLP Network: JLP - Church - TFS - Nick - Joel - Punchie Get full access to HAKE at thehakereport.substack.com/subscribe

The First Amendment, RME. Evil anti-discrimination! Y'all 'bout to make boomers R—cist! Is the Frisco victim's dad's forgiveness "wh— guilt"?The Hake Report, Wednesday, April 9, 2025 ADTIMESTAMPS* (0:00:00) Start* (0:01:01) AP “News” and 1A* (0:03:50) Uber type antidiscrimination* (0:09:35) Hake Printify* (0:13:36) Anchor Baby* (0:14:49) Hey, guys!* (0:16:06) DAVID, Ocala, FL: They tryna make me racist* (0:23:23) DAVID: Inbred… Living for a reaction…* (0:27:36) DAVID: Anxiety and anger* (0:28:08) DAVID: American Psycho–looking girl* (0:30:29) Rumble Rant on J's* (0:31:58) JEFF, LA, Trump: Countries our A— … / Eric Liddell* (0:40:47) MARK, L.A.: Need to show videos of these crimes* (0:48:55) Coffee: Forgiveness: Austin Metcalf dad* (0:59:30) Coffee: Greggatron …. Graduate* (1:03:18) Rumble Rant: Community Relations Service, DOJ; Hake getting lost* (1:10:11) News… NWS translations* (1:14:50) Carbon Monoxide* (1:22:03) DANNY, UK: Jimmy, Jimbo, Baz, C-word-racker, N-word* (1:26:50) ALEX, CA: Independent music business on YouTube* (1:32:36) Joel Friday TV, chat: C-word-racker* (1:34:39) KEN, IL: track meet stabbing; Rosewood, John Singleton* (1:45:38) KEN: NAACP in Hollywood, how we're presented* (1:49:37) Wrapping up…* (1:50:30) LINDSEY, CO, 1st: CPS mess* (1:53:59) Bright Lights - "Living in a Fantasy" - 2011, ConnectLINKSBLOG https://www.thehakereport.com/blog/2025/4/9/the-hake-report-wed-4-9-25PODCAST / Substack HAKE NEWS from JLP https://www.thehakereport.com/jlp-news/2025/4/9/hake-news-wed-4-9-25Hake is live M-F 9-11a PT (11-1CT/12-2ET) Call-in 1-888-775-3773 https://www.thehakereport.com/showVIDEO YouTube - Rumble* - Facebook - X - BitChute - Odysee*PODCAST Substack - Apple - Spotify - Castbox - Podcast Addict*SUPER CHAT on platforms* above or BuyMeACoffee, etc.SHOP - Printify (new!) - Spring (old!) - Cameo | All My LinksJLP Network: JLP - Church - TFS - Nick - Joel - Punchie Get full access to HAKE at thehakereport.substack.com/subscribe

In this episode of Small Biz Florida, host Tom Kindred broadcasts from the 2024 Florida Rural Economic Development Summit at the World Equestrian Center in Ocala, Florida. He is joined by Linda Mosley, Founder and President of 365 Degree Total Marketing, and Brian Schachter, Regional Sales Executive, to discuss the role of marketing in driving economic development in Florida's rural communities. Linda shares her background in psychology and marketing, including her work with Texas Instruments before founding 365 Degree Total Marketing in 1986. Brian talks about his journey from New Jersey to Florida, his experience in hospitality and tourism, and his current focus on digital marketing and advertising. The conversation highlights the importance of well-optimized websites for economic development organizations (EDOs), the power of search engine optimization (SEO) in attracting businesses, and how rural communities can leverage their unique assets to foster growth. Linda and Brian also explore the untapped potential of rural Florida and the opportunities available for small businesses looking to establish themselves in the region. This podcast episode was recorded live at the Florida Rural Economic Development 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 Guests: Learn more about 365 Degree Total Marketing

What if your fatigue, weight gain, hormone imbalances, and brain fog all traced back to a silent disease that affects 1 in 3 people—and you didn't even know you had it? In today's episode, I'm joined by Dr. Elizabeth Boham and Dr. Yousef Elyaman to talk about a condition that's quietly becoming one of the biggest threats to our health: fatty liver disease—now renamed Metabolic Dysfunction-Associated Steatotic Liver Disease (MASLD). It's not just a liver issue. It's deeply connected to heart disease, cancer, infertility, type 2 diabetes, dementia, and even hormone dysfunction. The most alarming part is it's often missed in traditional medicine because there's no easy drug to prescribe. We break down: The real root causes—from sugar and starch overload to gut imbalances, toxins, alcohol, and chronic inflammation The surprising early warning signs your body might be giving you Why standard labs often miss it, and the tests you actually need The step-by-step functional medicine approach to reverse fatty liver naturally—using targeted nutrition, lifestyle upgrades, and proven supplements I also share the latest science on inflammation, why it's the common thread between fatty liver and nearly every chronic disease, and how to calm it down at the root. This is the episode I wish every patient (and doctor) could hear—because fatty liver is reversible when you catch it early, and the ripple effects of healing it are massive. If you care about your energy, hormones, brain health, or longevity… this one's for you. Dr. Elizabeth Boham is Board Certified in Family Medicine from Albany Medical School, and she is an Institute for Functional Medicine Certified Practitioner and the Medical Director of The UltraWellness Center. Dr. Boham lectures on a variety of topics, including Women's Health and Breast Cancer Prevention, insulin resistance, heart health, weight control and allergies. She is on the faculty for the Institute for Functional Medicine. Dr. Yousef Elyaman is the founder and Medical Director of Absolute Health, a primary care functional medicine practice in Ocala, Florida. He is the 100th President of the Marion County Medical Society and the Functional Medicine Director at The Guest House Ocala, a trauma and substance abuse center. Dr. Elyaman also serves as the Medical Director for HumanN, a leading nutraceutical company, and is a Consultant for Quest Diagnostics Laboratory in their Wellness Division. He is teaching Faculty for the Institute for Functional Medicine on their Cardiometabolic module. Dr. Elyaman belongs to the first graduating class of the Institute for Functional Medicine. He is Board-certified in Internal Medicine and holds certifications in functional and integrative medicine as well. His leadership and expertise are reflected in his diverse roles, demonstrating his commitment to advancing medical knowledge and improving patient care. When not at work, Dr. Elyaman loves spending time with his wife and seven children where they live on a cattle and horse ranch. This episode is brought to you by BIOptimizers. Head to bioptimizers.com/hyman and use code HYMAN10 to save 10%. Full-length episodes can be found here: How To Prevent And Reverse Fatty Liver Disease with Functional Medicine The Best Diet to Reverse Fatty Liver Disease with Dr. Yousef Elyaman Why Fatty Liver Is So Common And How To Heal It

In this episode of Small Biz Florida, host Tom Kindred interviews Tom Hoversen, Founder and Owner of Comarco Products, a food manufacturing and distribution company. Tom shares the story of launching Comarco Products in 1978 and the strategic decision to relocate operations from New Jersey to Palatka, Florida in 2020 during the COVID-19 pandemic. The discussion highlights the challenges of doing business in New Jersey and the advantages of moving to rural Florida, including the strong support from local government and economic development authorities. Tom also talks about the company's evolution, the role of his son as a business partner, and the opportunities that Florida offers to manufacturers looking to grow and thrive. This podcast episode was recorded live at the Florida Rural Economic Development 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: Learn more about Comarco Products

In this episode of Small Biz Florida, host Tom Kindred speaks with Ben Pauluhn, Founder and President of Optimus Energy Solutions, at the 2024 Florida Rural Economic Development Summit held at the World Equestrian Center in Ocala, Florida. The conversation focuses on the evolving opportunities in rural Florida, particularly in the EV charging station market and commercial solar energy solutions. Ben shares his journey from moving to Florida in 2010 to launching Optimus Energy Solutions in 2018. He discusses the company's business model, which includes selling, leasing, and owning EV charging stations, and emphasizes the crucial role of private investment in expanding Florida's EV infrastructure. The episode also highlights Optimus Energy Solutions' work in commercial solar projects through the USDA's Rural Energy for America Program (REAP), which helps businesses in rural areas adopt renewable energy solutions. The episode concludes with Ben offering valuable advice to aspiring entrepreneurs, stressing the importance of partnerships and collaboration in driving innovation and success. This podcast episode was recorded live at the Florida Rural Economic Development 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: Learn more about Optimus Energy Solutions

In this episode of Small Biz Florida, host Tom Kindred sits down with Mark Kruse, Executive Vice President and General Counsel of Florida First Capital, at the 2024 Florida Rural Economic Development Summit held at the World Equestrian Center in Ocala, Florida. The conversation focuses on the vital role Florida First Capital plays in supporting small businesses, particularly through the SBA 504 loan program. Mark explains the benefits of the 504 loan, which offers long-term, below-market fixed interest rates and up to 90% financing for small business owners looking to purchase commercial real estate or heavy equipment. He also highlights the importance of educating business owners about this financial tool and how Florida First Capital collaborates with local banks to make these loans accessible. Additionally, the episode covers Florida First Capital's role in disaster recovery through the Emergency Bridge Loan program and the launch of a new agricultural loan program designed to assist farmers impacted by natural disasters. The discussion underscores the critical support Florida First Capital provides to small businesses in both urban and rural communities across Florida. This podcast episode was recorded live at the Florida Rural Economic Development 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: Learn more about Florida First Capital

WHAT'S NEWStay notified on Petey & Sarah's retreats to awaken your spiritual and somatic intuition through creativity and past-life regression! Visit www.souljourneysretreats.com or IG @souljourneysretreats. Ketamine-Assisted Psychotherapy (KAP) is a beautiful way to uproot and heal from heavy mental health issues - childhood wounds, trauma, depression, OCD, anxiety, substance abuse, unhealthy attachment styles and so much more. If you're ready to learn more or begin your journey, fill out this form. Sarah is part of The Stillpoint team where they facilitate in-person medicine journeys where set (mindset) & setting are finely attuned to create a portal for deep healing. Thank you to our advertiser, Dr. Bethany Padgett of Whole Hearted Holistic Solutions. Mention “Therapy Unfiltered” and receive a 25% discount on her Mind, Body & Spirit Package and check her new Soul Coaching offering! www.wholeheartedholisticsolutions.comTODAY'S EPISODEDr. Eric Milbrandt is an Addiction Medicine MD and Certified Trauma Professional specializing in mental health, addiction, and trauma recovery. His clinic, Oasis Wellness & Recovery in Ocala, Florida provides fast-acting ketamine infusions for mood disorders and addiction; medication-assisted treatment of opioid addiction using medically proven Suboxone and other buprenorphine medications; IV vitamin therapy, weight loss medications, and hormone replacement therapy.Stay connected with Dr. Eric! https://www.oasiswr.com/https://www.facebook.com/Oasiswrhttps://twitter.com/oasiswrhttps://instagram.com/oasisocalahttps://www.linkedin.com/company/oasiswrLET'S STAY CONNECTED! Peteywww.peteysilveira.com @peteysilveira www.facebook.com/NewPathwayToHealing Sarahwww.heysarahburnett.com/@reimagine.healingTODAY'S AFFIRMATIONI trust, let go and am open to discovering the healing potential of my mind, body & spirit. TODAY'S ORACLE CARDS: True healing occurs when I give myself permission to feel whatever feelings live below the triggers.When I'm in alignment with the love of the Universe, peace cannot be disrupted.Through prayer and meditation I create a ripple effect of peace in the world.Thank you for subscribing, rating, reviewing, sharing and reposting the show! I appreciate each and every one of you! ⭐️⭐️⭐️⭐️⭐️