Podcasts about ocala

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

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

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

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

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

Join Charisse for a heartfelt discussion with Jonathon Fleece, President and CEO of Empath Health, as they explore gentle ways to support loved ones experiencing memory loss or other cognitive issues. Jonathon shares insights on navigating care options, finding comfort, and embracing empathy during life’s most challenging moments. Whether you’re a retiree or caring for a family member, this episode offers reassurance, practical advice, and hope for your journey. Like this episode? Hit that Follow button and never miss an episode!

Susan Lorincz dice ser una vecina ejemplar, pero los constantes conflictos con los niños del barrio y las frecuentes visitas de los agentes de la Oficina del Sheriff del Condado de Marion, demuestran lo contrario. La vecina perfecta es un documental realizado con aparente sencillez, mucha tensión y que pone muchos temas sobre la mesa. Samuel Úbeda, Francisco Javier Santiago y Laura Álvarez dialogan sobre los debates morales que propone este documental, donde quizá todo no es tan blanco o negro como se supone. ¡Llévate bien con tus vecinos! Contacto, redes sociales, Patreon, etc., en nuestra web: https://cineactual.net/ Canción inicial «Ocala» generada por Francisco Javier Santiago por medio de Suno, bajo licencia CC BY 4.0. Canción final «Ocaso» compuesta e interpretada por Laia Salvat, Francisco Javier Santiago y Albert Vilella, bajo licencia CC BY-NC-ND 4.0.

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

Last episode I had mentioned during our short hiatus that three bodies had been found in my area. All within a week or so during October, and one was found in the area I work. On Thursday I heard more info on one of the "human remains", the victim was a woman from the UK, it's a sad a strange story and we talk about it this week.

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

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

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

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

Today, a special edition of Overdrive Radio marks the federal Veterans Day holiday, commemorating the military service of so many around the United States. In the podcast, in particular, we'll honor the stories of two vets -- Army and Navy, respectively -- who are equally clear-eyed emphasizing what their service meant for their long careers in trucking business ownership. After medically retiring from the Army as an E6 Staff Sergeant following deployment to Iraq during Desert Storm trucking as convoy security, Florida-headquartered (Ocala area) owner-operator Scott Reese operates Reese Services with his own authority, utilizing a 2021 Freightliner Cascadia. Reese also runs a box truck with a driver employed for it that operates more locally. Roger Burdgette, meanwhile, is headquartered near the Savannah ports in Georgia as CEO of Podium Logistics. He's built the fleet to now 50 trucks, serving the container port but also flatbed needs of customers in the area. Both business owners happen to be beneficiaries as veterans of the SelecTrucks Freightliner-affiliated dealer network's "Proud to Serve" benefit program for veterans, offering essentially a cash credit on purchases of power units, factory-backed warranties and more at one of the now 44 SelecTrucks locations nationwide: https://www.selectrucks.com/special-offers/veterans-discount/ That program celebrates a significant milestone in its eight-year run since Proud to Serve was launched in 2017 as a way to give back to military servicemembers among SelecTrucks customers. As Daimler Trucks Remarketing President Chris Backeberg noted, the program's now delivered more than $1 million worth in savings to military vets. Each veteran's used-truck purchase comes with $6,500 back with up to two options selected from: **A down payment match **A warranty upgrade **And/or new tire purchase assistance. In addition to the discount, SelecTrucks donates $500 for each qualifying truck purchase to a charitable organization supporting veterans. Total donations have reached more than $80,000 since 2022, including a $25,000 donation this year. Said Backeberg, “We're proud to stand behind veteran entrepreneurs as they build their business. Saving these men and women over $1 million is our way of showing appreciation for their service and sacrifice.” Via the podcast, dive into conversation with Scott Reese, whose partner dealer in Jacksonville, Florida, helped him out of more than one jam in recent years. That's in addition to delivering that $6,500 discount. The dealer was particularly helpful when Reese was diagnosed with cancer some years back and had to come off the road for a time. Following Reese, Roger Burdette stresses how military service truly set him up with the self-discipline needed for a drive to entrepreneurship in trucking. The 50-truck Podium fleet isn't his first trucking-company rodeo, either, started up in 2018 after a previous fleet he grew to 30 trucks over more than a decade was sold to an interested buyer. Like Reese, he's also benefited from the SelecTrucks "Proud to Serve" discount, with around 70% of his fleet procured from the dealer. Both men offer recognition for the importance of Veterans Day for the country, and for them specifically, too. Roger Burdette personally remember those who gave much more than himself, as he put it, when the day rolls around each Fall. "When it rolls around I really think about those who had even more sacrifice than we did," he said. "There's a different day for that," he knows. Yet "there's different degrees of sacrifice, and that's huge."

Send us a textIn this week's episode of Crime and Cocktails with the PodCats, Jess, Erica, and Traci welcome TomCat Julian (aka the honorary feline of the night aka Party after Five) for a wild ride through Netflix's The Perfect Neighbor — a disturbing true crime tale of Florida feuds, front porch fury, and a heaping dose of old-fashioned racism. Espresso martinis in hand, the crew dives headfirst into the story of Ajike “AJ” Owens and her neighbor Susan Lorincz — where one ordinary Ocala neighborhood spirals into a battleground of petty complaints and escalating tension.The kitties were in collective disbelief as they unpacked the case's twists and turns. Or maybe just super hammered. Midway through the show, the PodCats called in fan-favorite PodKittie Bryn to offer her signature mix of humor and heart, while Erica's PodKitty Victoria makes a surprise appearance to finally settle a long-running question about “back massagers.” It's equal parts chaos, comedy, and catharsis — just the way we like it.We also loved having Julian on the mic (and a brief cameo from the OG TomCat, Justin). Let's just say it was a lot more testosterone than the PodCats are used to — in the best way. Final verdict: 8 out of 12 paws.

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

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

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

Discover why professional trailer hitch installation matters for your safety on the road. We explore hitch classes from 2,000 to over 10,000 pound capacities, mobile installation convenience, and the hidden dangers of improper setup that lead to trailer detachment. R&B HITCH OF OCALA City: Fort McCoy Address: 10670 Northeast 227th Place Road Website: https://rbhitchofocala.com/small-welding-jobs-welding-repairs

Learn how trailer hitch technology has evolved from generic solutions to precision-engineered custom installations, and discover why proper maintenance of your towing setup can prevent dangerous roadside failures and costly repairs down the line. R&B HITCH OF OCALA City: Fort McCoy Address: 10670 Northeast 227th Place Road Website: https://rbhitchofocala.com/small-welding-jobs-welding-repairs

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

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

Discover why pre-trip trailer inspections and regular maintenance are essential for road safety, cost savings, and peace of mind. Learn which trailer components fail most often, how to catch problems early, and why a few minutes of inspection can prevent dangerous breakdowns on the highway. R&B HITCH OF OCALA City: Fort McCoy Address: 10670 Northeast 227th Place Road Website: http://rbhitchofocala.com/

This episode of In Stride is sponsored by The Equestrian College Advisor. Navigate the college search with confidence and find the right fit for both academics and riding. Visit equestriancollegeadvisor.com to learn more and book a consultation.  In this episode of “In Stride,” Sinead is joined by top event rider Alyssa Phillips.  Alyssa Phillips is an American event rider based in Ocala, Florida, where she owns and operates her training and competition program. A product of the U.S. eventing development pathway and longtime student of Olympic-level rider Jennie Brannigan, Alyssa has produced multiple horses to the top of the sport. She earned a marquee career victory aboard her Holsteiner gelding Oskar at the 2021 Land Rover Kentucky CCI4*-S and was selected to represent the United States in multiple FEI Nations Cup competitions. In 2024, Alyssa was a member of the U.S. Nations Cup teams that earned second-place finishes at both CHIO Aachen and the Millstreet International CCIO4*-S, further establishing herself as one of the country's most exciting rising stars in international eventing.   Alyssa reflects on her journey in high-performance eventing and the mindset that keeps her grounded, including:  • What she learned from stepping into the ride on a horse developed by another rider, and how she built trust, communication, and confidence in that partnership • The training philosophies and principles passed down from her mentors that shaped her approach to producing top event horses  • How she balances ambition with joy to keep the sport fun, sustainable, and in harmony with real life  • The thoughtful conditioning strategies she uses to build fitness and confidence for the toughest cross-country tracks  Join Alyssa and Sinead for an inspiring conversation with one of the sport's most exciting young professionals about staying steady under pressure and thriving in the pursuit of excellence. 

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

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

Held at the World Equestrian Center in Ocala Florida over the weekend of September 20th to the 21st, I joined Aaron Harris & David Modders from the Star Wars Reactions podcast as well as Mary & Chazz Perdue, members of the CWK Alliance & Facebook Group for some of the great panels, and hit the show floor, which was full of vendors, artists, makers, displays and awesome cosplay from the 501st, Rebel Legion, Droid Makers and Mandalorian Mercs.This convention had a number of Star Wars guests, including Emily Swallow, Katee Sackhoff, Manny Jacinto as well as a Rebels Voice actor reunion panel with Vanessa Marshall, Steve Blum, Tiya Sircar, & Taylor Gray and Nika Futterman, the voice of Asajj Ventress.Aaron and David from Star Wars Reactions PodcastFollow the SWREACTIONS crew on Instagram, Twitter, Bluesky & Facebook and Pinterest. Look for @swreactions or @swreactionspod You can also email the show at swreactions@gmail.comAaron Harris is on twitter and Instagram @taharris121079David Modders on Twitter @ david_modders and Instgram @davidmoddersIf you have a question or comment, find me on the  socials: Twitter/X, Instagram, Facebook, Threads, Bluesky & Substack,  @rebelbasecard Check out the TeePublic store and you can be helping out the show while finding some cool swag. https://www.teepublic.com/user/rebel-base-cardFind me on the Topps Digital Apps like Star Wars Card Trader, Marvel, Disney Collect and BUNT @CORNFEDTECHYou can also help out the show by rating The Rebel Base Card Podcast wherever you get your podcasts. All comments and feedback is appreciated!

Honoring fallen first responders and helping their families through the Brotherhood Ride, as current and former first responder bicyclists travel through Ocala to the Gainesville Elks Lodge. Florida lodges are supporting riders with lodging through the state. Alachua Commissioner Dana Williams and Bill Senterfit with local Elks Lodges on the ride, and the charity serving survivors of first responders.

pWotD Episode 3092: Killing of Ajike Owens Welcome to popular Wiki of the Day, spotlighting Wikipedia's most visited pages, giving you a peek into what the world is curious about today.With 231,035 views on Sunday, 19 October 2025 our article of the day is Killing of Ajike Owens.On June 2, 2023, in Ocala, Florida, 35-year-old Ajike "A. J." Shantrell Owens was shot and killed by her neighbor, 58-year-old Susan Louise Lorincz. Owens had gone to Lorincz’s door after an altercation between her children and Lorincz in a grassy field nearby. While Owens stood outside the front door, Lorincz fired a single shot through it, striking Owens in the chest.Deputies from the Marion County Sheriff's Office were already en route to the residence in response to a report of “trespassing” when a second 911 call reported gunfire. Upon arrival, officers found Owens on the ground suffering from a gunshot wound. She was transported to a local hospital, where she was pronounced dead shortly after 10:00 p.m.The shooting drew national attention, igniting renewed debate over Florida’s stand-your-ground law and the intersection of race, self-defense, and neighborhood disputes. Civil rights advocates, including attorney Benjamin Crump, argued that Owens’s killing underscored systemic bias in how such laws are applied. Crump publicly called for Lorincz’s arrest, describing the incident as “an unconscionable killing of a mother who simply knocked on a door.”Lorincz was arrested on June 6, 2023, and charged with manslaughter with a firearm, culpable negligence, battery, and two counts of assault. During interrogation, she claimed she acted in fear for her safety, though investigators later stated that forensic evidence contradicted elements of her account.In August 2024, following a week-long trial in Marion County Circuit Court, Lorincz was found guilty of manslaughter with a firearm. She was sentenced to 25 years in prison that November.In 2025, the case became the subject of the documentary film The Perfect Neighbor, which explored the broader cultural and racial dynamics surrounding the shooting and the public response that followed.This recording reflects the Wikipedia text as of 02:44 UTC on Monday, 20 October 2025.For the full current version of the article, see Killing of Ajike Owens on Wikipedia.This podcast uses content from Wikipedia under the Creative Commons Attribution-ShareAlike License.Visit our archives at wikioftheday.com and subscribe to stay updated on new episodes.Follow us on Bluesky at @wikioftheday.com.Also check out Curmudgeon's Corner, a current events podcast.Until next time, I'm neural Joanna.

The droids are rolling by, the armor is gleaming in 85-degree heat, and the smiles are real—welcome to a con-floor anthology of craft, fandom, and the small moments that make a creative life feel big. We bounce from table to table at Ocala Comic Con with a stacked roster: Katiee Sackhoff (0:15) on carrying Bo-Katan from animation to live action, Griffin Burns (5:30) on Demon Slayer's blockbuster wave, Nika Futterman (9:42) on why “silly” art saves hard days, Emily Swallow (15:35) on communities that lift each other up, Disney veteran Peter Raymundo (18:41) on the memory that sealed his career, Star Jackson (25:13) on conquering her first fan panel, and Alyss of Niceu Arts (28:27) on building a loyal artist-alley family.A huge thank you to the event organizers of Ocala Comic Con and the extraordinarily talented Jack Drain, who allowed us the opportunity to take part in these live interviews. We hope you enjoy this episode and we will see you at next year's event!

Dr Michael Lange and Dr Susan Summerton host the longest running live medical talk show in America called "ask the dr" today. Dr Lange promotes the Ocala Health and Wellness Expo Fortifeye Vitamins is sponsoring at the World Equestrian Center in Ocala. The doctors announce the all new Fortifeye Creatine, myHMB, Vitamin D is now available at all Fortifeye locations and at www.fortifeye.com. In this episode Dr Lange and Dr Summerton uncover the hidden truth about heavy metal contamination in many popular protein powders especially those made with rice proteins from overseas. They explain why Fortifeye Vegan Super Protein, sourced exclusively from North American ingredients, is one of the purest and cleanest plant proteins available. Dr Summerton shares her own lab -tested proof showing zero heavy metal buildup, confirming Fortifeye's exceptional purity. The doctors also discuss the new Fortifeye Creatine, myHMB, Vitamin D formula and the Fortifeye Strength and Vitality Bundle, a triple powerhouse of nutrients designed to support muscle strength, endurance and healthy aging at any age. Both doctors love the new Salted Caramel Mocha Vegan Super Protein made by Fortifeye Vitamins. Dr Lange says to always check country of origin for your protein powder! Dr Lange does a segment on rice and arsenic and recommends eating white rice instead of brown rice since less arsenic. They go over how important a routine dilated eye exam is for detecting systemic health problems and eye problems. Dr Lange discusses the all new Fortifeye Fit Meal 5th prototype was a winner and everyone loved it. He states they are now going to manufacture this meal replacement supplement. Fortifeye Fit Meal was developed to help people get down to their ideal body weight and become healthier through proper nutrition. Dr Lange and Dr Summerton go over what supplements are important for the eye with a caller and they go into some detail what foods to eat and supplements to take. Dr Summerton states omega 3 fish oil like Fortifeye Super Omega is one of the top supplements to take for ocular and overall health, she goes into detail discussing what kind of omega 3 is best. They talk about nootropics with a caller and the potential benefits. Both doctors endorse the Lumenis opti light IPL on the show for dry eye treatment. Dr Lange at end of show mentions eyedaptic low vision technology is available at the Lange Eye Institute. #fortifeyefitmeal #mealreplacementsmoothies #weightloss #askthedr #drmichaellange #askthedoctor #weightlossjourney #drsusansummerton #fitmeals #fitmeal #askthedoctors #veganprotein #veganproteinpowderSupport the show: https://www.drmichaellange.com/category/ask-the-doctor/See omnystudio.com/listener for privacy information.

Jake and Anthony are joined by Craig Baerwaldt and Sarah Freese to talk about Space Happy Hour and the upcoming Sally's Night event, honoring Sally Ride and celebrating women in aerospace.TopicsOff-Nominal - YouTubeEpisode 215 - Gainesville-on-Ocala (with Craig Baerwaldt and Sarah Freese) - YouTubeSally's Night | Space Happy Hour Global Women's Night November 13, 2025Space Happy Hour | Space Industry Networking EventsSpace Happy Hour: Overview | LinkedInFollow Off-NominalSubscribe to the show! - Off-NominalSupport the show, join the DiscordOff-Nominal (@offnom) / TwitterOff-Nominal (@offnom@spacey.space) - Spacey SpaceFollow JakeWeMartians Podcast - Follow Humanity's Journey to MarsWeMartians Podcast (@We_Martians) | TwitterJake Robins (@JakeOnOrbit) | TwitterJake Robins (@JakeOnOrbit@spacey.space) - Spacey SpaceFollow AnthonyMain Engine Cut OffMain Engine Cut Off (@WeHaveMECO) | TwitterMain Engine Cut Off (@meco@spacey.space) - Spacey SpaceAnthony Colangelo (@acolangelo) | TwitterAnthony Colangelo (@acolangelo@jawns.club) - jawns.club

Italian man fakes "complete blindness" for over 50 years to collect disability benefits, Headline of the Week contender #4: Paris Hilton spends nine hours ebery week getting facials" I take care of my skin like an Olympic athlete...Ocala man allegedley attacks wife for refusing to go to Chilli's with him

The Tuesday edition of the Bob Rose Show on Charlie Kirk Remembrance Day, locally and across America. Ocala ceremonies, and the legacy of the slain conservative influencer on what would have been Kirk's 32nd birthday. Plus, breaking Middle East peace, the government shutdown, and the morning's biggest stories for 10-14-25

Caring for a horse with a long-term illness or injury requires both financial commitment and practical planning. Veterinary bills, medications, specialized feed, and management adjustments can add up quickly, so creating a clear financial plan helps owners prepare for ongoing expenses. Practical management—such as adjusting your horse's workload, providing appropriate turnout, and maintaining a consistent routine—can support your horse's well-being. Work closely with your veterinarian to be sure your horse receives individualized treatment.During this Ask TheHorse Live event, two veterinarians answer listener questions about managing horses with chronic illness and injury. This event is sponsored by CareCredit. About the Experts: Nathan Canada, DVM, MS, Dipl. ACVS, attended Oklahoma State University's Center for Veterinary Health Sciences, in Stillwater, and received his DVM in 2011. After graduating, he completed a one year internship at Peterson and Smith Equine Hospital in Ocala, Florida. He then traveled to Kansas State University's Veterinary Health Center, in Manhattan for an additional year of training. During this time, he was selected to enter the equine surgery residency program. He completed his residency in July of 2016 and received his master's degree in Veterinary Biomedical Sciences. He obtained diplomate status in February 2017. Canada enjoys spending time with his family, connecting with others through his local church, and anything that involves being outdoors, especially fishing.Dr. Kristi Gran is a 2007 graduate of Tufts University School of Veterinary Medicine, and a board certified internal medicine specialist, having completed her residency at Purdue University in 2011. She is a partner and veterinarian at Conley & Koontz Equine Hospital in Columbia City, Indiana.

Evelyn Kelly is a 90-year-old writer, speaker and teacher who lives in Ocala, Florida. She holds a Ph.D. from the University of Florida, a master's degree in religion and a Bachelor of Arts from the University of Tennessee. Her education and interests are diverse. Her undergraduate studies included microbiology, English and history. Evelyn has written 22 books on such topics as Stem Cells and a two-volume encyclopedia of Genetics. Evelyn has taught at four universities. She speaks and writes on history and travel topics, including a popular series called Armchair Adventures. She says her most lucrative writing was in her 60s and 70s. Natalie Kelly, a resident of Tallassee, Florida, is a writer and Chief Executive Officer of a state organization.  She holds an M.S. in Communications from Florida State University and a B.S. in Visual Arts and Communications from FSU, which includes a concentration on art and art history. She has worked in government affairs for 35 years, including being the youngest female director in the Florida Senate, Director in Washington, DC, state CEO and public relations and lobbying firm owner. She writes op-eds for newspapers and speaks on a variety of topics.Evelyn and Natalie are a mother-daughter travel and writing team. They have traveled to seven continents, 89 countries (and counting) and 50 states. Evelyn's goal is to travel to 100 countries before age 100. At 90 she shows no sign of slowing down! Their book, Have a Love Affair with Travel: Your Ticket to an Exhilarating Life, will ignite your wanderlust and inspire you to live a life enriched by world travel. Their vibrant narratives will spark your sense of adventure and equip you with a step-by-step guide for seamless travels. Evelyn's favorite place she has traveled is the U.S. Have a Love Affair with the U.S.A. will be the duo's next book.Learn more:travelersatheart.com evelynkellyphd.com https://www.facebook.com/natalie.kelly.5439https://www.facebook.com/evelyn.b.kelly.5https://www.instagram.com/nataliekellytravelersatheart/

Attracting business, jobs, and what economic development means to one of America's fastest growing cities. Ocala City Manager Pete Lee outlines priorities for serving citizens, ahead of his annual “State of the City” presentation October 15th at the Ocala CEP breakfast event.

//The Wire//2300Z September 26, 2025////ROUTINE////BLUF: MISSING PERSON CASE IN FLORIDA HIGHLIGHTS MEDIA MANIPULATION CONCERNS DURING ACTIVE AMBER ALERTS. COUNTER ICE RIOTS INTENSIFY IN CHICAGO. CRACKDOWN ON SPEECH CONTINUES IN UNITED KINGDOM.// -----BEGIN TEARLINE------International Events-United Kingdom: The censorship and speech targeting concerns continue to deteriorate as another wave of arrests has emerged among right-wing political commentators. Steve Laws and Pete North have been arrested over the past few days, as PM Starmer continues to state that the U.K. has freedom of speech. Nonetheless, the arrests continue, not just among more visible influencers, but among laypeople as well. Analyst Comment: Hundreds of arrests have been reported all around the U.K. for social media posts, with most of these arrests only coming to light from family members who notice the arrests. This is due to gag orders being placed on the detainees, so that they can't even talk about why they were arrested, or else they will get slapped with higher charges. This is to ensure that the speech crime arrests go largely unnoticed, since public outcry would result if high profile arrests are made. Since the courts are now routinely placing gag orders on people who are being arrested on speech-crime charges, the sheer scale of how many arrests are being made is impossible to know.-HomeFront-Illinois: The situation in Chicago continues to deteriorate as more counter-ICE riots escalate. Various blockade-type actions remain the main vector for rioters to hinder ICE actions, such as at the detention facility in Broadview.Iowa: This afternoon a high-profile ICE raid was carried out, targeting Dr. Ian Andre Roberts. Roberts was the superintendent of the Des Moines Public School System, but he was also a fugitive and illegal immigrant from Guyana who had an active deportation order since May of 2024. After his case was reopened, ICE agents made contact with him today, after which he fled on foot before a K9 unit apprehended him. He was arrested in possession of a firearm, a large knife, and several thousand dollars.Florida: Yesterday evening a high-profile Amber Alert was issued for a hostile abduction of a 17-year-old in Marion County. Caden Speight has been found, but was initially reported missing after what was initially described as a very kinetic kidnapping. The victim's family received a text message that indicated he had been shot and kidnapped by 4x Hispanic males in a light colored van. Local authorities located his abandoned vehicle on Hwy 484 (which had at least one bullet hole in it, according to the initial story), and Speight's phone was also recovered at the scene broken in half.-----END TEARLINE-----Analyst Comments: Something is not quite right with this case, and despite the obvious media hooks to sensationalize this story, nobody really knew what was going on as the details of the search continued to change throughout the day.This morning, investigators stated that the initial details of the incident were determined to be false, and that the current evidence available does not support the abduction story. Investigators stated that he appears to have departed from the initial incident site on a bicycle, possibly with a red and grey tent that was purchased using his credit/debit card at a Walmart in Ocala shortly before the incident. At the time it appeared as though this may have been a runaway situation portrayed as a violent kidnapping.However, as the situation continued to develop, notices from officials changed from an Amber Alert to caution, urging citizens to not make contact with Speight if he was discovered. Shortly after this change in tone, Speight was reported to be found, with a gunshot wound to his leg. However some reports suggest the opposite, and that he was found without any wounds (as in

This episode of In Stride is sponsored by The Equestrian College Advisor. Navigate the college search with confidence and find the right fit for both academics and riding. Visit equestriancollegeadvisor.com to learn more and book a consultation. In this episode of “In Stride,” Sinead is joined by para dressage coach and Grand Prix dressage rider Lisa Hellmer. Lisa is a USDF Bronze, Silver, and Gold medal dressage trainer who runs LCH Equestrian in Ocala, Florida. She is also a Silver USEF Para Dressage Coach and served as the Para Dressage Development Coach for Team USA in 2022 and 2023. In 2010, Lisa graduated summa cum laude from Johnson & Wales University with a bachelor's degree in Equine Business Management and Riding. After graduation, she worked at The Hanoverian Verband in Germany, where she learned about the breed organization, started and trained young horses, and prepared them for inspections. It was during this time that she discovered her passion for training. Although she now specializes in dressage, Lisa's foundation includes valuable experience in eventing and show jumping.  Lisa shares her journey in the horse world and how it led her to becoming a leader in para dressage, including: • What her role as the Para Dressage Development Coach entailed and how she continues to support the sport today • How her passion for dressage, and specifically para dressage, first began • The variety of jobs she's held throughout her career and the lessons each one taught her • Why patience is essential and how giving horses time allows them to show what they're truly capable of Join Lisa and Sinead for an inspiring conversation about her path in the equestrian world and her dedication to the sport of para dressage. 

Welcome to Star Wars Reactions!This week hosts Aaron Harris and David Modders are live from Ocala Comic Con! Joining them for the fun are Greg McLaughlin from the Rebel Base Card podcast and Mary Perdue as they breakdown their reactions to each day of the two day con, which included guests from Star Wars Rebels, The Acolyte, and The Mandalorian! And as with any episode of SWR, Aaron can let things go without an all new Star Wars Dad Joke of the Week!Show Outline:A message from AaronEpisode 222 IntroReacting to Day 1 with Greg McLaughlinReacting to Day 2 with Mary PerdueClosingStar Wars Dad Joke of the WeekStar Wars Reactions: Elegant discussions for a more civilized age!Follow The Rebel Base Card Podcast on Facebook!Follow The Rebel Base Card Podcast on X!Follow The Rebel Base Card Podcast on Instagram!Listen to The Rebel Base Card Podcast here!Check out Mary Perdue on Instagram and XClick here to leave us a voicemail via SpeakPipe!Email us here!Follow us on X!Follow us on Facebook!Follow us on Instagram!Follow us on  TikTok!Follow us on Threads!Follow us on Bluesky!Follow us on Pinterest!Subscribe on YouTube!Follow Aaron and David on X!Follow Aaron and David on Instagram!

In this episode I talk with Tik Maynard, professional event rider, author, and two-time winner of The Road To The Horse colt starting championships. About the Guest: Tik Maynard is a renowned equestrian from Canada. He is a trainer, and author of 2 books: In The Middle Are The Horsemen, and Starting in The Middle…. He is known for his expertise in horsemanship, eventing, and colt starting, notably winning The Road To The Horse colt-starting competition twice. He represented Canada in Modern Pentathlon at the 2007 Pan American Games and has competed at the advanced level in Three-Day Eventing, holding long-listed status for the Canadian team.  Tik won the Freestyle twice at the Thoroughbred Makeover and judged it once.  He currently runs Copperline Equestrian in Ocala, Florida with his wife, professional event rider Sinead Halpin.  About the Host: Karen Rohlf, author and creator of Dressage Naturally, is an internationally recognized clinician who is changing the equestrian educational paradigm. She teaches students of all disciplines and levels from around the world in her clinics and the Dressage Naturally virtual programs. Karen is well known for training horses with a priority on partnership, a student-empowering approach to teaching, and a positive and balanced point of view. She believes in getting to the heart of our mental, emotional, and physical partnership with our horses by bringing together the best of the worlds of dressage and partnership-based training.  Karen's passion for teaching extends beyond horse training. Her For The Love Of The Horse: Transform Your Business program is a result of her commitment to helping heart-centered equine professionals thrive so that horses may have a happier life in this industry. Resource Links: Tik Maynard website: https://www.copperlineequestrian.com/ Tik Maynard books: In The Middle Are The Horsemen, Starting In The Middle Tik Maynard Online learning: https://noellefloyd.com/ Karen Rohlf's Course: Sweet Spot of Healthy Biomechanics: https://go.dressagenaturally.net/sweet-spot-course How To Create A Happy Athlete course: https://go.dressagenaturally.net/hats Discount code: HATS100 to save $100 Private Consult: https://karenrohlf.as.me/schedule/d1232333/appointment/1513707/calendar/any?appointmentTypeIds[]=1513707 The Dressage Naturally Book+Video: https://shop.dressagenaturally.net/collections/home-page-featured/products/book-dvdKaren Rohlf's Dressage Naturally VIDEO CLASSROOM: https://dnc.dressagenaturally.net/ Ask a question for the pod:

Karen and Robby get to know 3* Eventer Liz Lund. Liz runs her business out of Copeland Farms where she grew up riding and then travels to Ocala, FL for the winter to base out of Copeland Farm South. Liz talks about the very large lesson program where she and several other instructors teach over 300 lessons a month. On top of all that, Liz has a small breeding program and has a few up-and-coming horses to be on the lookout for. If that wasn't enough, Liz also has her own podcast with her friend Rachel called “Unstabled and Unbridled”. We hope you enjoy getting to know Liz as much as we did! To follow Liz and to learn more:Website    •    https://www.lizlund.com InstagramLiz Lund Equestrian    •    https://www.instagram.com/lizlundequestrian Copeland Farms    •    https://www.instagram.com/copelandfarms.cf FacebookLiz Lund    •    https://m.facebook.com/lizlundeventing Liz Lund Equestrian    •    https://m.facebook.com/lizlundequestrian Copeland Farms    •    https://m.facebook.com/copelandfarmsmn TikTokLiz Lund Equestrian    •    https://www.tiktok.com/@lizlundequestrian PodcastUnstable & Unbridled    •    https://open.spotify.com/show/2ddQ8U72td6A7sArZGoQ6L?si=ryHy3IBERRC5G6BgSlsblA Team Gear    •    https://lizlund.itemorder.com/shop/home/Please support our sponsors:https://cowboymagic.com/https://manentailequine.com/https://exhibitorlabs.com/https://www.triplecrownfeed.com/Sign up for our mailing list!https://mailchi.mp/b232b86de7e5/majorleagueeventingllc?fbclid=IwAR2Wp0jijRKGwGU3TtPRN7wMo-UAWBwrUy2nYz3gQXXJRmSJVLIzswvtClECheckout the Major League Eventing store!https://www.majorleagueeventing.com/shop 

Send us a textKeyy G is back from her Dominican Republic vacation, and she's spilling all the wild stories from her trip before diving headfirst into the madness with the crew. They break down Cardi B's hilarious court appearance, the headlines surrounding Young Thug allegedly being a snitch, and the unbelievable tale of an Ocala man who choked his girlfriend after she lost his winning scratch-off ticket. Things only get crazier as they react to Bow Wow's SeaWorld performance and his new music video remix of Leon Thomas's song “Mutt,” while Snoop Dogg's complaints about Disney's latest movie spark a heated debate among the co-hosts. The crew also can't stop laughing at a Florida restaurant called Café Bich Nga, and they close things out with a nostalgic trip down memory lane revisiting the original Coming to America—plus plenty more random chaos along the way.Support the showhttps://instagram.com/weaintdonepodcast?igshid=YmMyMTA2M2Y=

In this episode of Intermittent Fasting Stories, Gin Stephens talks to Alexis Nikitopoulos from Ocala, Florida.Gin has a new YouTube Channel! Visit https://www.youtube.com/channel/UC_frGNiTEoJ88rZOwvuG2CA and subscribe today so you never miss an intermittent fasting tip, a support session, or an interview with a past IF Stories guest or expert.Are you ready to take your intermittent fasting lifestyle to the next level? There's nothing better than community to help with that. In the Delay, Don't Deny community we all embrace the clean fast, and there's just the right support for you as you live your intermittent fasting lifestyle. You can connect directly with Gin in the Ask Gin group, and she will answer all of your questions personally. If you're new to intermittent fasting or recommitting to the IF lifestyle, join the 28-Day FAST Start group. After your fast start, join us for support in The 1st Year group. Need tips for long term maintenance? We have a place for that! There are many more useful spaces beyond these, and you can interact in as many as you like. Visit ginstephens.com/community to join us. An annual membership costs just over a dollar a week when you do the math. If you aren't ready to fully commit for a year, join for a month and you can cancel at any time. If you know you'll want to stay forever, we also have a lifetime membership option available. IF is free. You don't need to join our community to fast. But if you're looking for support from a community of like-minded IFers, we are here for you at ginstephens.com/community. Alexis is a registered nurse who works in the Neuro ICU. Alexis discusses her initial misconceptions about fasting, her transition to clean fasting, and the significant weight loss she experienced through her 28-Day Fast Start. Alexis also shares her experiences of adjusting her fasting schedule around her demanding work as a nurse, including her exploration of alternate-day fasting (ADF) to accommodate her unique schedule. Gin and Alexis discuss the concept of Alternate Day Fasting (ADF), its effectiveness, and the importance of understanding individual needs when choosing a fasting protocol. Alexis shares her journey of weight loss, the challenges she faced with her eating window, and how she navigated her work schedule while maintaining her health. The discussion also touches on the physical transformations that come with weight loss and the joy of experimenting with food, as Alexis is currently mastering the art of baking homemade sourdough bread. The conversation also touches on non-scale victories, the importance of inspiring others through personal change, and practical advice for those starting their intermittent fasting journey. Alexis tells new IFers that IF is so much easier than you think, so the best time to begin is today.Get Gin's books at: https://www.ginstephens.com/get-the-books.html. Good news! The second edition of Delay, Don't Deny is now available in ebook, paperback, hardback, and audiobook. This is the book that you'll want to start with or share with others, as it is a simple introduction to IF. It's been updated to include the clean fast, an easier to understand and more thorough description of ADF and all of your ADF options, and an all new success stories section. When shopping, make sure to get the second edition, which has a 2024 publication date. The audiobook for the second edition is available now! Join Gin's community! Go to: ginstephens.com/communityDo you enjoy Intermittent Fasting Stories? You'll probably also like Gin's other podcast with cohost Sheri Bullock: Fast. Feast. Repeat. Intermittent Fasting for Life. Find it wherever you listen to podcasts. Share your intermittent fasting stories with Gin: gin@intermittentfastingstories.comVisit Gin's website at: ginstephens.com Check out Gin's Favorite Things at http://www.ginstephens.com/gins-favorite-things.htmlSubscribe to Gin's YouTube Channel! https://www.youtube.com/channel/UC_frGNiTEoJ88rZOwvuG2CASee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Florida Deputy Arrested, Was It Fair? A Family's Fight in Court and Beyond. When David was sworn in as a Deputy for the Marion County Sheriff's Office in Florida, it felt like the fulfillment of a lifelong dream. Coming from a long family line of police officers, law enforcement wasn't just a career option, it was a calling. “He wanted this more than anything,” recalls his wife, Dr. Svetlana ‘Lana' Kirchevshy-Ur, a doctor who was completing her medical residency in Gainesville at the time. “It was a dream he worked hard to achieve, even later in life.” The Law Enforcement Talk Radio Show and Podcast promoted across their Facebook , Instagram , LinkedIn , Medium and other social media platforms. Is he an ex Law Enforcement Officer, or a former Law Enforcement Officer, you get to decide. An "ex" Law Enforcement Officer is someone who was fired, or resigned under duress and left in less than honorable conditions. He is the guest on the Law Enforcement Talk Radio Show and Podcast, available for free on their website, on Apple Podcasts, Spotify, and most podcast platforms. But that dream quickly unraveled. Less than a year after his first patrol assignment, David was accused of making “false reports.” On May 10, 2021, he resigned “under duress” after being threatened with criminal charges. Two days later, those threats materialized. David was arrested on four counts of making false official statements, charges that his wife insists were groundless. “There were no allegations of any crime committed by my husband,” they said. Look for supporting stories about this and much more from Law Enforcement Talk Radio Show and Podcast in platforms like Medium , Blogspot and Linkedin . The Fight in Court The legal ordeal stretched on for years. “The State Attorney's Office kept refiling and changing charges,” they explained. “But in the end, 18 of the 20 charges were dismissed by a judge, and the last two were dropped.” Florida Deputy Arrested, Was It Fair? A Family's Fight in Court and Beyond. Despite being cleared, the damage was lasting. David was placed on the Fifth Circuit State Attorney's Brady list, a designation meant to flag law enforcement officers with potential credibility issues. For David, this was devastating. Inclusion on the Brady list effectively barred him from ever working in law enforcement again. Available for free on their website and streaming on Apple Podcasts, Spotify, and other podcast platforms. Local news outlets, including the Ocala Gazette, questioned whether the Brady list was being applied fairly. A 2024 article noted inconsistencies, pointing out that some officers with internal dishonesty findings weren't listed, while others landed on the list for what appeared to be minor procedural issues. “For my husband, the Brady list isn't just a bureaucratic footnote, it's a career-ending label,” Lana said. A Story Shared on Podcasts and Social Media David and Lana's story is now being told through The Law Enforcement Talk Radio Show and Podcast, where David shares his ordeal in his own words. The episode is streaming free on their website, as well as on Apple Podcasts, Spotify, and other major podcast platforms. It is also promoted across their Facebook, Instagram, LinkedIn, and other social media channels, ensuring their story reaches a wide audience. Florida Deputy Arrested, Was It Fair? A Family's Fight in Court and Beyond. The Law Enforcement Talk Radio Show and Podcast episode is available for free on their website , Apple Podcasts , Spotify and most major podcast platforms. The podcast episode is more than a retelling of events, it's part of a larger conversation about fairness, accountability, and the human cost of flawed systems. It has become a headline not just in podcasts, but in TV, paper, and digital news reports as well. Life After Law Enforcement For David and Lana, rebuilding hasn't been easy. Forced to leave their life in Ocala behind, they relocated to Palm Coast, Florida. While still pursuing the fight in court against the Marion County Sheriff's Office, the couple also found a way to start anew. Together, they launched Rustic Dough Works, a pizza trailer that quickly became a local favorite. Still, the legal battle continues. David has filed lawsuits against the sheriff's office and remains determined to restore his name. “We believe in accountability,” Lana said. “People need to know our story, because what happened to David could happen to others.” Florida Deputy Arrested, Was It Fair? A Family's Fight in Court and Beyond. The full podcast episode is streaming now on Apple Podcasts, Spotify, and across Facebook, Instagram, and LinkedIn. The Larger Conversation The story of a Florida Deputy Arrested, Was It Fair?, is no longer just a private tragedy. It's a public conversation about law, justice, and the balance of power within the criminal justice system. Through podcasts, news, TV, paper coverage, and conversations on platforms like Facebook, Instagram, and LinkedIn, David and Lana have turned their pain into a fight for change. The Law Enforcement Talk Radio Show and Podcast promoted across their Facebook , Instagram , LinkedIn , Medium and other social media platforms. “Her husband was arrested for false charges,” as Lana put it plainly. “But our journey is about more than that, it's about never giving up when the truth is on your side.” Florida Deputy Arrested, Was It Fair? A Family's Fight in Court and Beyond. Get the latest news articles, without all the bias and spin, from the Law Enforcement Talk Radio Show and Podcast on Medium , which is free. Find a wide variety of great podcasts online at The Podcast Zone Facebook Page , look for the one with the bright green logo. Be sure to check out our website . Be sure to follow us on MeWe , X , Instagram , Facebook, Pinterest, Linkedin and other social media platforms for the latest episodes and news. You can help contribute money to make the Gunrunner Movie . The film that Hollywood won't touch. It is about a now Retired Police Officer that was shot 6 times while investigating Gunrunning. He died 3 times during Medical treatment and was resuscitated. You can join the fight by giving a monetary “gift” to help ensure the making of his film at agunrunnerfilm.com . Background song Hurricane is used with permission from the band Dark Horse Flyer. 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Timestamp 00:00 – Welcome to The Holistic Kids Show 00:47 – Introducing Dr. Yusef Aliman 01:30 – From Conventional to Functional Medicine 03:22 – What Does “Root Cause” Really Mean? 04:07 – Allergies, Gut Health & Vitamin D 05:46 – Kids' Health: Listening to Children, Not Just Parents 08:21 – How to Spot Root Causes in Daily Life 12:54 – Stress, Sleep & Lifestyle Factors 14:35 – Taking Ownership of Your Health 16:01 – Teens, Career Choices & Fear of Failure 16:45 – Advice for Today's Teens (Commitment, Purpose & Resilience) 18:32 – The Role of AI & Using Your Own Brain 20:51 – Healthy Habits: Food, Movement & Mindset 23:08 – Closing Recap & Teen Health Revolution   Dr. Yousef Elyaman is a board-certified internist with cross-training in pediatrics and holds certifications in functional medicine from The Institute for Functional Medicine and in integrative medicine from the American Board of Physician Specialties. As the founder and medical director of Absolute Health in Ocala, Florida, Dr. Elyaman has integrated functional medicine into primary care. Under his leadership, the practice has grown significantly to include physicians, advanced practice providers, and health coaches. He also consults for Quest Diagnostics in their wellness division and serves as medical director at HumanN, a nutraceutical company.  Dr. Elyaman is the founder of FMP Essentials, an organization dedicated to helping functional medicine practitioners attain success through comprehensive training and mentorship. He serves as the integrative and functional medicine director of The Guest House, a trauma and substance abuse center in Ocala, Florida. His training in psychological trauma through Spirit2Spirit complements his holistic approach to patient care.  A respected faculty member at The Institute for Functional Medicine, Dr. Elyaman is a sought-after speaker and serves as the 100th president of the Marion County Medical Society. He also moderates two influential Facebook groups, the Functional Medicine Practitioners Forum and Functional Medicine Practitioner Essentials with Dr. Yousef Elyaman.  Beyond his professional achievements, Dr. Elyaman enjoys family life on a ranch in Ocala, Florida, with his wife and seven children. He finds relaxation in playing chess and developing innovative integrative and functional medicine protocols.   ---- Learn more about Dr. Madiha Saeed at https://holisticmommd.com, or follow her on social media @HolisticMomMD

Tamara Fleischhaker shares the two programs from the Chamber of the Year application for the Ocala Metro Chamber and Economic Partnership. Full show notes are at: chamberchatpodcast.com/episode343 Please support this podcast by supporting our sponsors. Bringing Local Back bringinglocalback.com Community Matters, Inc. chamberchatpodcast.com/podcast App My Community appmycommunity.com/chamberchat Resource Development Group rdgfundraising.com Swypit chamberchatpodcast.com/cc Izzy West, LLC theizzywest.com  

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