Podcasts about prices

Why You Should ListenWhat “closing time” really means — and why restaurants, and their staff, should honor what they promiseAn inside peak at Valentine's Day operations, ticket flow, and why larger tables can ease pressure on the kitchenThe Guys react to mass spectrometry and a look at tequila additivesEgg price spikes, labeling myths, yolk color tricks, and a smart baking tip when extra-large eggs cost lessThe BanterMark Pascal and Francis Schott kick things off with post–Valentine's Day reflections and the realities of running a dining room during peak nights. The Guys pull back the curtain on expediting, ticket management, and the small operational decisions diners rarely see. They share how shifting celebrations beyond February 14th can ease pressure on both restaurants and relationships.The ConversationThe Guys dive into a wide-ranging Inside Track discussion sparked by the @MassSpecEverything channel, exploring mass spectrometry and spirits—from alleged additives in tequila to why common hand-rub tests don't reveal everything. The talk moves to Coca-Cola lore, including what *really makes Mexican Coke special.Eggs take center stage as they unpack price spikes linked to bird flu, pasture-raised labeling, feed-driven nutritional differences, and how yolk color can be manipulated. They share a practical tip for bakers: extra-large eggs sometimes cost less than large, but be sure to adjust your recipe!Finally, Mark and Francis debate what a restaurant's posted closing time should actually mean and that clear communication and consistent standards define the guest experience long after the meal ends.Time Stamps0:00 – The Banter: Valentine's Day Reflections6:03 – Tequila Meets the Mass Spectrometer9:53 – Coca-Cola: Regional Differences & Taste Myths12:50 – Eggs: Scandal, Prices, Labels & Bargains23:06 – What “Closing Time” Means to the Restaurant28:02 – What “Closing Time” Means to the DinerInfoMass Spec Everythinghttps://linktr.ee/mymassspecworldYou Don't Want Dessert, Do You?by Frank Lanzkron-TamarazoBecome a Restaurant Guys' Regular!https://www.buzzsprout.com/2401692/subscribeMagyar Bankhttps://www.magbank.com/Withum Accounting https://www.withum.com/restaurantOur Places Stage Left Steakhttps://www.stageleft.com/ Catherine Lombardi Restauranthttps://www.catherinelombardi.com/ Stage Left Wineshophttps://www.stageleftwineshop.com/ To hear more about food, wine and the finer things in life:https://www.instagram.com/restaurantguyspodcast/https://www.facebook.com/restaurantguysReach Out to The Guys!TheGuys@restaurantguyspodcast.com**Become a Restaurant Guys Regular and get two bonus episodes per month, bonus content and Regulars Only events.**Click Below!https://www.buzzsprout.com/2401692/subscribe

For the Good of the Public brings you news and weekly conversations at the intersection of faith and civic life. Monday through Thursday, The Morning Five starts your day off with scripture and prayer, as we also catch up on the news together. Throughout the year, we air limited series on Fridays to dive deeper into conversations with civic leaders, thinkers, and public servants reimagining public life for the good of the public. Today's host was Michael Wear, Founder, President and CEO of the Center for Christianity and Public Life.  Thanks for listening to The Morning Five! Please subscribe to and rate The Morning Five on your favorite podcast platform. Learn more about the work of the Center for Christianity and Public Life at www.ccpubliclife.org. Today's scripture: Matthew 6:1-6 (ESV) News sources:  https://www.wsj.com/business/price-increases-consumers-businesses-b70e4542?mod=hp_lead_pos1  https://www.nbcnews.com/politics/trump-administration/trump-fema-potomac-river-sewage-leak-response-rcna259271  https://www.politico.com/news/2026/02/16/trump-fema-coordinating-response-potomac-sewage-spill-00783327  https://www.nbcnews.com/sports/olympics/olympic-medal-count-2026-team-usa-gold-wins-rcna259061  https://www.senate.gov/artandhistory/history/resources/pdf/Washingtons_Farewell_Address.pdf  Join the conversation and follow us at: Instagram: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@michaelwear⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠, @ccpubliclife Twitter: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@MichaelRWear⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠, @ccpubliclife and check out ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@tsfnetwork⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Music by: King Sis #politics #faith #prayer #scripture #prices #inflation #Potomac #GeorgeWashington Learn more about your ad choices. Visit megaphone.fm/adchoices

LISTEN and SUBSCRIBE on:Apple Podcasts: https://podcasts.apple.com/us/podcast/watchdog-on-wall-street-with-chris-markowski/id570687608 Spotify: https://open.spotify.com/show/2PtgPvJvqc2gkpGIkNMR5i WATCH and SUBSCRIBE on:https://www.youtube.com/@WatchdogOnWallstreet/featured  Prices on electronics, appliances, and everyday goods are climbing again — but is it really inflation? Chris explains what's actually driving higher costs, from tariffs and labor expenses to healthcare and energy prices. He breaks down how businesses pass rising costs to consumers and why government policy, taxes, and regulation play a major role in what you pay.

EPISODE 349 - Clark and Hyung open the show by giving their two cents on PSA recently raising its prices (again) with slower turnaround times – with TCG bulk submissions the most impacted this time around. Is it a necessary business decision for PSA or is the hobby community justified in its anger?Next for Hobby Headlines, the guys take a deeper dive into the 2026 Topps Series 1 Baseball Set and go through what's new in the set this year (ie. a 1952 Topps Mickey Mantle redemption hit) and what they don't like (ie. the new Home Field Advantage design.)Then they play a fun round of Quiz Show before ending the episode with their regular weekly segment called "Pick 1."--------------------------CONNECT WITH US!Instagram: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@cardstothemoon⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ | ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@fivecardguys⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ (Clark) | ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@yntegritysportscards⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ (Hyung) | ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@tradeyouatrecess⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ (John)Website: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://fivecardguys.com/podcast⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Daily Auctions (w/ affiliate links): ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://fivecardguys.com/dailyauctions⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠If you have any questions about the hobby that you would like addressed, email us at hello@fivecardguys.com or DM us on Instagram at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@cardstothemoon⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ or ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@fivecardguys⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

Australia's competition watchdog is suing supermarket chain Coles in the Federal Court. The ACCC alleges Coles deceived shoppers about discounts on a range of goods. It's a case that could have wide-ranging implications for consumer law. - کمیسیون رقابت و مصرف کننده آسترالیا، علیه فروشگاهای زنجیره ای کولز در محکمه فدرالی اقامه دعوا کرده است. این کمیسیون ادعا می کند که کولز در مورد تخفیف های روی طیف وسیعی از اجناس، مشتریان را گمراه ساخته است. این قضیه می تواند پیامدهای گسترده ای برای تطبیق قانون حمایت از مصرف کننده در آسترالیا داشته باشد.

Newly released farm income data confirms the economic crisis in rural America is real, and American Farm Bureau Federation President Zippy Duvall says the solution could be found in passing a new farm bill.

In this episode of The Modern Hairstylist Podcast, host Hunter Donia and guest Jodie Brown break down what to do when you are fully booked, already priced high for your area, and still want to grow your income without adding more clients, more hours, or another big price jump. If you feel like you have hit a ceiling around that next revenue level, this episode gives you tangible ways to increase profit by working smarter inside the business you already have momentum in.Hunter shares the strategies he is actively using during Mastermind onboarding calls to make sure revenue goals are actually mathematically possible for stylists who are capped by time. You will learn how to expand revenue through aligned add-ons and retail, improve service efficiency and your “profit per hour,” explore assistants or double booking in a responsible way, and consider a next level path that turns excess demand into revenue through team based scaling.Key Takeaways:

Where do I start, people? Democrats are trombone players with a pager, waiting for a band to call. They have NO shot. Or two shots: slim and none.Trump is crushing these feckless clowns who keep screeching about Epstein files that keep outing them. How does it feel to kick your own ass, daily?The economy is booming.Inflation cooled in January, dropping price increases to their lowest level in nine months, new data from the Bureau of Labor Statistics showed. The lower-than-expected reading defied fears of a tariff-induced hike in overall costs.Prices rose 2.4% in January compared to a year earlier, according to the Consumer Price Index.Inflation stands at its lowest level since May, but it remains nearly a half-percentage point higher than the Fed's target rate of 2%.Affordability remains a concern for many Americans as the political calendar turns closer to election season.The data arrived days after fresh hiring figures showed stronger-than-expected job growth in January, even though an updated estimate released at the same time indicated a near-paralysis of the labor market last year.Almost every Democrat-controlled state is in the midst of massive fraud scandals. CA has been getting money from DEAD PEOPLE.No wonder the live ones are leaving.And in the battle of the governors, FL picked up a big win.What is the cost for CA in losing Zuckerberg. I know he is weird, but his money is green. I'm sure DeSantis welcomes one of the world's richest citizens to his state.https://www.foxbusiness.com/real-estate/mark-zuckerberg-becomes-latest-california-billionaire-relocate-florida-amid-tax-concernsSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

“When Raccoons, Rising Prices, and Olympic Surprises Collide” A title built to spark curiosity, emotional pull, and urgency — inviting listeners into an episode packed with humor, relatable frustrations, and unforgettable moments.

John Ray helps professionals who sell their expertise to price it for the value they truly deliver and win business without feeling salesy. He advises consultants, attorneys, coaches, fractional executives, and other solo or small-firm leaders on pricing strategy, value-based proposals, and business development that earns trust. Grounded in a decade advising expert practitioners and earlier roles in finance and M&A at firms such as J.P. Morgan, John works with a practical, value-centered lens. Clients finish with pricing they stand behind, proposals that win, a trust-driven business rooted in generosity, and a way to scale by serving fewer, right-fit clients. John is the author of The Generosity Mindset: A Journey to Business Success by Raising Your Confidence, Value, and Prices, which holds a 5.0-star average across 80+ reviews on Amazon. John also hosts “The Price and Value Journey”, a podcast focused on the unique issues solo and small-firm service providers face. Deb was honored to be a guest. You can listen to that program here. To connect with John on LinkedIn, click here.

Australia's competition watchdog is suing supermarket chain Coles in the Federal Court. The ACCC alleges Coles deceived shoppers about discounts on a range of goods. It's a case that could have wide-ranging implications for consumer law.

Ross and Russ contemplate alternative songs following news Coles are in hot water regarding their famous "Prices are down" advertisement.See omnystudio.com/listener for privacy information.

CEO of DHF Capital Bas Kooijman joins us on the show to share an overview of the gold prices and interest rates over the coming few months. Our regular commentator says that precious metals are entering a period of stability, though they largely depend on the geopolitical situation in the region. Listen to #Pulse95Radio in the UAE by tuning in on your radio (95.00 FM) or online on our website: www.pulse95radio.com ************************ Follow us on Social. www.facebook.com/pulse95radio www.twitter.com/pulse95radio

President of the CT Energy Marketers Association Chris Herb calls in to discuss energy prices in the state and how the weather is impacting those high prices.

New housing data shows the market hasn't quite matched the mood of the economy as of yet. The Real Estate Institute of New Zealand says housing sales are down 5.4 percent from January last year. Prices were also softer, with REINZ's House Price Index dropping 0.6 percent compared to December. Property Investors Federation expert Matt Ball says it looks like the housing market will stay flat for the next little while, but it's about the bigger picture. LISTEN ABOVESee omnystudio.com/listener for privacy information.

Shooters and Prospectors (309) 737-3248 https://www.facebook.com/SWShooterSuppliesAndProspecting/ Adventures In Prospecting(A.I.P.) http://www.adventuresinprospecting.com/ XTREME SCOOPS https://www.facebook.com/XTREMEScoops/ TheRingFinders https://theringfinders.com/ BEYOND SIGHT AND SOUND YouTube https://www.youtube.com/channel/UCk7YDKf4Bxdw0Lwdat9VoRA All Metal Militia on Facebook https://www.facebook.com/groups/AllMetalMilitia/ DetectEd Outdoors https://www.youtube.com/channel/UCjLV9vNNhgmPJut2vMq0iNA Crazy Spider Adventures on YouTube https://www.youtube.com/channel/UCsKNJc6jKCnYthGmyp-QYEQ Illinois Iowa treasure hunters Facebook group https://www.facebook.com/groups/251326456035/ BOOT CAMP VIDEOS Night 1 silvers https://m.facebook.com/groups/576627622397397?view=permalink&id=2969793473080788 Night 2 coppers https://m.facebook.com/groups/576627622397397?view=permalink&id=2978808162179319 Night 3 tips, tricks and tweaks https://www.facebook.com/groups/detectamerica/permalink/2985422534851215/ NOKTA WEBSITE https://www.noktadetectors.com/ Midwest refineries https://www.midwestrefineries.com/ All Metal Militia on YouTube https://www.youtube.com/channel/UCT22mRQ_QQ0LfHrZy22IaaA?fbclid=IwAR1s1ma_fkWv9VzBVDKyLF10rQZq2wg0IJwQwJAKP21tWCHMYa7yiIs26l8 The Relic Hunter Facebook group https://www.facebook.com/groups/249978366379006/?ref=share $10K diamond ring return https://theringfinders.com/blog/Josh.Kimmel/2020/10/1-25-1-5-carat-diamond-gold-ring-returned-trf-celina-ohio-potential-replacement-8-10k/?fbclid=IwAR2tULpBnqX3Uwuc7FVRVASecMO0lF0tpxvy8OXbiBNk7bCbdB8W530xBc4 Metal Detecting:- Beyond Sight and Sound https://www.facebook.com/groups/421832374617055 FIND US ON AMAZON AND AUDIBLE https://www.amazon.com/BEYOND-SIGHT-AND-SOUND/dp/B08JJS1FC1 Sapphire and diamond arthritic wedding ring returned https://theringfinders.com/blog/Josh.Kimmel/2021/05/sapphire-diamond-arthritic-wedding-ring-returned-trf-celina-ohio/?fbclid=IwAR10iM9GH2BDcf3BHywNMhvQiyP_g0bHL_360zscykDQfiMK1R3fWe1ZCB0 MDCI Facebook group https://www.facebook.com/groups/259089097602307/ Terry Shannon's website https://terryshannon.com/ Quarter Hoarder YouTube channel https://m.youtube.com/@QuarterHoarder Bark's Detecting Bits on YouTube https://www.youtube.com/@barksdetectingbits3298 Ill Digger YouTube https://www.youtube.com/@Ill_Digger Steve Pacifico's 3d products and more https://www.md3dcoins.com/?fbclid=IwY2xjawPtl0lleHRuA2FlbQIxMABicmlkETFHdlIyczVRVWZRd29ERU96c3J0YwZhcHBfaWQQMjIyMDM5MTc4ODIwMDg5MgABHm6Nmh7pIaT-4JG0Y4d4qunUs82q1r2MQsYtTp19SO-CeVOG_gmnFlZAxadd_aem_64Bvy6ULhrx94o1hAE12Qg BEYOND SIGHT AND SOUND on PodBean https://www.podbean.com/pu/pbblog-hbn8z-10fc2c8

Visit our website ➡️➡️➡️ https://www.majesticproduction.com/This week on Make Pro Wrestling Majestic Again 222, we're exposing the fake awards, the weak narratives, and the so-called “experts” who live in their little echo chamber pretending they run wrestling. The WON Awards? Total disaster. Completely predictable. If it's not “WWE bad,” they don't want to hear it. AEW wins everything — shocker! It's embarrassing people take this stuff seriously. We break it down. No nonsense. No fear.We also talk about David Finlay leaving NJPW — big move. Where's he going? Who's smart enough to grab him? And WrestleMania ticket sales? Prices through the roof, barely a card announced, and we're a month out. Incredible. One PLE away and still no direction. We say what others won't.Then — the real power conversation.We're talking about the wrestlers who didn't just win matches — they changed the entire physical standard of the industry.“Superstar” Billy Graham — the blueprint. Before him? Regular bodies. After him? Main-event physiques. Hogan copied him. Ventura copied him. Did he create the bodybuilding era of champions?Lex Luger — the Total Package. Stage-level symmetry. Cosmetic perfection. Did he turn wrestling into a physique showcase?Karl Gotch — the shooter's shooter. Hindu squats. Catch wrestling. Japanese dojo culture. The godfather of functional conditioning.Kurt Angle — Olympic gold. Suplex city before it was cool. Legitimate athleticism elevated overnight.Chyna — revolutionary. Muscular. Credible. Changed the ceiling for women forever.George Hackenschmidt — from carnival strongman to organized athletic development.Brock Lesnar — speed, mass, violence. Redefined heavyweights.Lou Thesz — technique king. The traveling champion who set standards.Mae Young — toughness that embarrassed the boys.Mark Henry — real-world strength meets wrestling dominance.These are the people who changed the power world. Not influencers. Not internet favorites. Real impact.If you love wrestling, if you love greatness — you're in the right place.Let's make it majestic again.Watch our full podcast here ➡️➡️➡️ anchor.fm/majestic-production

Retail rice prices in Japan are still above 4,000 yen per 5 kilograms on average, almost double the level before supply shortages hit consumers, even after the government's releases of stockpiled rice to keep prices low.

According to an annual report by University of Idaho economists, the financial condition of Idaho agriculture is mixed, but mostly not good.

New housing data shows the market hasn't quite matched the mood of the economy as of yet. The Real Estate Institute of New Zealand says housing sales are down 5.4 percent from January last year. Prices were also softer, with REINZ's House Price Index dropping 0.6 percent compared to December. Property Investors Federation expert Matt Ball says it looks like the housing market will stay flat for the next little while, but it's about the bigger picture. LISTEN ABOVESee omnystudio.com/listener for privacy information.

In this week's episode of WSJ's Take On the Week, co-hosts Miriam Gottfried and Telis Demos are joined by Frances Donald, chief economist at Royal Bank of Canada, to break down the K-shaped economy, where different groups are thriving financially while others struggle. They ask: How could Walmart hit a trillion-dollar market capitalization despite consumer sentiment near record lows? Next, Donald analyzes what could be hiding the true health of the American household, from front-loading purchases ahead of potential tariffs to buy now, pay later programs. After the break, Donald explains how the U.S. can sustain growth despite a massive wave of Boomer retirements. Then Donald breaks down why AI may no longer be a threat to the workforce but a necessary rescue for a shrinking labor pool. This is WSJ's Take On the Week where co-hosts Telis Demos, Heard on the Street's banking and money columnist, and Miriam Gottfried, WSJ's investing and wealth management reporter, cut through the noise and dive into markets, the economy and finance—the big trades, key players and business news ahead. Have an idea for a future guest or episode? How can we better help you take on the week? We'd love to hear from you. Email the show at takeontheweek@wsj.com. To watch the video version of this episode, visit our WSJ Podcasts YouTube channel or the video page of WSJ.com Further Reading The Two-Speed Economy Is Back as Low-Income Americans Give Up Gains Weak Hiring, Layoff Plans Paint a Gloomy Labor-Market Picture Walmart Reaches $1 Trillion Market Cap as Its E-Commerce Boom For more coverage of the markets and your investments, head to WSJ.com, WSJ's Heard on The Street Column, and WSJ's Live Markets blog. Sign up for the WSJ's free Markets A.M. newsletter.  Follow Miriam Gottfried here and Telis Demos here.  Learn more about your ad choices. Visit megaphone.fm/adchoices

Listen for the latest from Bloomberg NewsSee omnystudio.com/listener for privacy information.

Le Olimpiadi invernali in Italia | Spendieren Sie einen Cafè (1€)? Donate a coffee (1€)? https://ko-fi.com/italiano Livello #A2Buongiorno cari amici e amanti dell'italiano e benvenuti all'episodio numero 218.Oggi parliamo di qualcosa di molto attuale in Italia e cioè delle olimpiadi invernali che si svolgono proprio in questo periodo in Italia.Sono cominciate il 6 febbraio e termineranno il 22 febbraio. I vari giochi si tengono in diverse parti del nord Italia tra la Lombardia e il Trentino Alto Adige. L'inaugurazione è stata allo stadio San Siro di Milano, ma ci sono state e ci saranno prove sportive nella Valtellina, sempre nella regione della Lombardia, a Cortina d'Ampezzo, nella regione Veneto e in Trentino Alto Adige.Pensate che la prima edizione di questo giochi invernali si è svolta nel 1924 per proseguire poi ogni quattro anni. Dal 1994 hanno luogo negli anni pari che non si possono dividere per quattro. La prima volta che i giochi olimpici invernali avrebbero dovuto essere in Italia era il 1944. La località avrebbe dovuto essere proprio la città di Cortina d'Ampezzo, ma i giochi all'epoca sono stati cancellati a causa della guerra. La prima volta quindi che i giochi olimpici invernali hanno avuto luogo in Italia è stato il 1956 proprio nella città di Cortina d'Ampezzo e quest'anno, ...- The full transcript of this Episode (and excercises for many of the grammar episodes) is available via "Luisa's learn Italian Premium", Premium is no subscription and does not incur any recurring fees. You can just shop for the materials you need or want and shop per piece. Prices start at 0.20 Cent (i. e. Eurocent). - das komplette Transcript / die Show-Notes zu allen Episoden (und Übungen zu vielen der Grammatik Episoden) sind über Luisa's Podcast Premium verfügbar. Den Shop mit allen Materialien zum Podcast finden Sie unterhttps://premium.il-tedesco.itLuisa's Podcast Premium ist kein Abo - sie erhalten das jeweilige Transscript/die Shownotes sowie zu den Grammatik Episoden Übungen die Sie "pro Stück" bezahlen (ab 20ct). https://premium.il-tedesco.itMehr info unter www.il-tedesco.it bzw. https://www.il-tedesco.it/premiumMore information on www.il-tedesco.it or via my shop https://www.il-tedesco.it/premium

Listen for the latest from Bloomberg NewsSee omnystudio.com/listener for privacy information.

AP correspondent Julie Walker reports the rising cost of coffee force some to give up their brew, while others complain but keep drinking.

Welcome to this week’s edition of RealAg on the Weekend with your host Shaun Haney! On today’s show, Haney is joined by: D'Arcy Hilgartner of RDAR on research adoption remaining a focus; Anne Wasko of Gateway Livestock Exchange for a Beef Market Update; Ravi Ramachandran of Syngenta Canada for a spotlight interview; and, Jason Deveau... Read More

Episode 779: Neal and Toby explain why some of AI's top minds are sounding the alarm about how quickly the technology is evolving. Then, why Corning's stock is setting records and weight loss drugs are sending sugar prices to historic lows. Then a deep dive into Olympic stones and drones and the headlines you need to know before the long weekend.  Learn more about FlavCity at https://go.shopflavcity.com/mbds  Sign up for our monthly trivia! https://mbdtrivianight-feb2026.splashthat.com/  We'd love to hear from you! https://www.morningbrewbreakroom.com/c/r/MBDS?display=mbdailyshow  Subscribe to Morning Brew Daily for more of the news you need to start your day. Share the show with a friend, and leave us a review on your favorite podcast app. Listen to Morning Brew Daily Here:⁠ ⁠⁠https://www.swap.fm/l/mbd-note⁠⁠⁠  Watch Morning Brew Daily Here:⁠ ⁠⁠https://www.youtube.com/@MorningBrewDailyShow⁠ Learn more about your ad choices. Visit megaphone.fm/adchoices

Joe's Premium Subscription: www.standardgrain.comGrain Markets and Other Stuff Links —Apple PodcastsSpotifyTikTokYouTubeFutures and options trading involves risk of loss and is not suitable for everyone.

Support the show

Together at last. In a rare joint performance, Dante and Matt join the Inside Economics crew to unpack January's jobs and CPI reports. The brief federal government shutdown delayed economic data releases a few days, which made for a loaded slate this week. Dante shares his impression of January's seemingly strong jobs report and then the team plays the stats game. A brief hiatus did not affect Marisa's ability to dominate. Matt then goes through the first inflation data of 2026, and where it looks like inflation is headed in the coming months.View the Full U.S. Macroeconomic Outlook Webinar here: https://events.moodys.com/ta6186-2026-bank-odwbn-mau28334-us-economic-outlook-q1View our AI generated paper here: https://www.economy.com/getfile?q=165AB685-ED95-43E8-8533-DA2CE131A01A&app=downloadHosts: Mark Zandi – Chief Economist, Moody's Analytics, Cris deRitis – Deputy Chief Economist, Moody's Analytics, and Marisa DiNatale – Senior Director - Head of Global Forecasting, Moody's AnalyticsFollow Mark Zandi on 'X' and BlueSky @MarkZandi, Cris deRitis on LinkedIn, and Marisa DiNatale on LinkedIn Questions or Comments, please email us at helpeconomy@moodys.com. We would love to hear from you. To stay informed and follow the insights of Moody's Analytics economists, visit Economic View. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

What happens when you combine unicorns, price drops that go the opposite direction, and a business model that prioritizes joy over formulas? This episode is packed with juicy announcements about the future of my academy—and trust me, you're going to want to hear every single detail.I'm joined by my brilliant accountability coach and podcast co-host, Tamara Protassow, as we talk through the biggest changes I've made to my business in years. And spoiler alert: they're all designed to be win-win-wins for everyone involved.Topics Covered:Why I'm rebranding to the Unicorn Biz & Life AcademyThe radical price drop from $495 to $99/year (yes, really)How current members are being taken care of with credits and reduced ratesTwo new membership tiers: Take Action Club & Grow MastermindHow healing my primitive reflexes expanded my capacity for intensive coachingWhy I'm not worried about industry changes (and why you shouldn't be either)The power of accountability channels and weekly productivity sessionsKey Insights:Accessibility over exclusivity: Dropping prices can create a bigger, more powerful community of action-takers riding toward their dreams togetherChange is constant: The online business industry has been shifting since 2008—adaptability matters more than reacting to every headlineNervous system capacity is expandable: Resolving primitive reflexes can dramatically increase your executive function and energy for businessStrategy + intuition = transformation: The most powerful coaching combines practical business strategy with deep energetic and spiritual clearingProductivity isn't about doing more: It's about doing the important work that actually moves your business forwardNo lock-in required: Flexible membership options mean you can get the support you need when you need itYour business can be uniquely yours: Formulaic approaches are boring—building a unicorn business means doing it your way with joy and renegade energyWho This Podcast Is For:This podcast is for creative women entrepreneurs, neurodivergent business owners, and spiritual seekers who want to build wildly successful businesses on their own terms—with more joy, less hustle, and a whole lot of magic.Links & Resources Mentioned:Join the Unicorn Biz & Life Academy: leoniedawson.com/academyEmail support: support@leoniedawson.comPrevious episode on primitive reflexes and nervous system healingNotable Quotes:"I don't want to do formulaic. I don't want life and business to look like anybody else's. I want it to be my own and I want other people to feel that same passion and joy and deliciousness at going full throttle chasing after their own dreams on the backs of unicorns.""When I say there's a price change, like you might feel like there's a little bit tense hearing that, but it is in the opposite direction from what you think.""I thought that level of executive functioning limitation was just something permanent that I would have for the rest of my life and that I would work accommodations around it. And that was fine. And then I started hearing a little bit about primitive reflexes...""It's not just about doing more things, but it's doing the important things that are actually going to grow your business and bring in more sales."Ready to gallop toward your dreams? Join the Unicorn Biz & Life Academy for just $99/year and get access to 100+ courses, monthly coaching calls, guest expert workshops, and a community of magical humans building businesses their way. Head to leoniedawson.com/academy to join the herd!#WomenEntrepreneurs #NeurodivergentBusiness #CreativeBusiness #FemaleFounders #OnlineBusinessTips #SpiritualEntrepreneur #BusinessCoaching #ProductivityHacks #MindsetShift #BusinessGrowth

Cattle markets are holding firm through what is typically a quieter stretch of the year, underscoring just how tight North American beef supplies remain. In this mid-February Beef Market Update, Anne Wasko of Gateway Livestock Exchange joined Shaun Haney to break down pricing trends following CattleCon last week in Nashville. As the industry looks ahead... Read More

Guest: Simon Constable. As Storm Nills approaches France, Constable reports on rising copper prices and volatile gold, while noting UK PM Starmer faces severe political pressure from opposition parties.MONET

On today's episode of Sports Cards Nonsense, Mike Gioseffi is joined by Ryan Hoge, President of Grading at Collectors, for an exclusive breakdown of the major changes happening at PSA. Ryan explains exactly why price increases and extended turnaround times were necessary, revealing that the primary goal is to intentionally slow down submissions to manage a massive backlog. They discuss how the explosion of TCG cards is impacting sports card grading, the ripple effects this has on SGC and Beckett, and when collectors can realistically expect turnaround times to improve. Beyond the interview, Mike dives into the current state of the market, analyzing the surprising lack of price movement for new Hall of Fame inductees like Drew Brees and Larry Fitzgerald. He also breaks down the post-Super Bowl market, looking at prices for Drake Maye and Sam Darnold while highlighting the quiet rise of Kenneth Walker. We also check in with the community on what everyone is buying and selling right now, with a heavy focus on baseball as the season approaches. Learn more about your ad choices. Visit megaphone.fm/adchoices

Episode Description On this episode of the MTM Travel the miles & points show Mark dives into his real world experiences with the new Bilt cards and Bilt cash. An unexpected promo came, but is it working out? We also discuss: finding cheap Hyatt mattress runs by stacking promos, the overlooked US Bank business card bonuses and how Southwest is tiering their credit card bonuses for the first time! 0:00 Welcome to MTM Travel 0:36 Update on Bilt's new card experience 3:20 Using Bilt Cash & how it all works in reality 7:23 Bilt makes money wuth customer experience expense? 10:10 Southwest launches first tiered card offers 13:53 Southwest's unhappy customers are a thing 15:48 Stacking Hyatt promos - Nights from 1,900 points? 19:45 Hyatt's unique promos & the art of finding mattress runs 21:37 Overlooked US Bank cards - Big money offers Enjoying the podcast? Please consider leaving us a positive review on your favorite podcast platform! You can also connect with us anytime at podcast@milestomemories.com.  You can subscribe on Apple Podcasts, Google Play, Spotify, TuneIn, Pocket Casts, or via RSS. Don't see your favorite podcast platform? Please let us know!

Send a textOur Patreon - https://www.patreon.com/HockeyCardsGongshowOn this episode of the Hockey Cards Gongshow podcast we start with Get To Know Your Hockey Hall of Famers, this time looking at the life, hockey career, and hobby market for hockey hall of famer, Harry Oliver (12:13).  Next, we take a look at What's The Deal With Box Bottoms (23:18)?  In hobby news, PSA raised their pricing and Josh offers maybe a different perspective, If Russia had an Olympic team, what would it look like?, and Huberdeau done for the season (43:38).  Macklin Celebrini is dominating current eBay sales (1:11:23). California Dave reviews 2025-26 SP Game Used, and we run down the Top 5 early 2025-26 O-Pee-Chee sales (1:16:14), then end the show with personal pickups (1:38:12).Partners & SponsorsGongshow Reloaded - https://www.GongshowReloaded.comHockeyChecklists.com - https://www.hockeychecklists.comSlab Sharks Consignment - http://bit.ly/3GUvsxNSlab Sharks is now accepting U.S. submissions!GP Sports Cards - https://gpsportcards.com/Total Sports Cards - https://totalsportcards.comSign up for Card Ladder - https://app.cardladder.com/signup?via=HCGongshoFollow Hockey Cards Gongshow on social mediaInstagram - https://www.instagram.com/hockey_cards_gongshow/TikTok - https://www.tiktok.com/@hockey_cards_gongshowFacebook - https://www.facebook.com/HockeyCardsGongshowTwitter - https://twitter.com/HCGongshowThe Hockey Cards Gongshow podcast is a production of Dollar Box Ventures LLC

On this episode of The Still Real to Us Show:-- Could Bron Breakker really miss WrestleMania 42? We break down the rumors, what it would mean for the card, and whether WWE would actually pivot this late in the game.-- Internal criticism surrounding Triple H potentially changing WrestleMania plans due to ticket advance numbers — does WWE have a ticket pricing problem, and is it finally catching up to them?-- Our full WrestleMania 42 card round-up! What's locked in, what's rumored, and what still needs to fall into place.-- Cody Rhodes vs. Jacob Fatu vs. Sami Zayn in an Elimination Chamber qualifying match — Who you got?! Plus, Randy Orton and Tiffany Stratton punch their tickets to the Chamber!-- Rhea Ripley and LA Knight officially qualify for the Elimination Chamber — are they the favorites, or are bigger twists coming?-- Is David Finlay WWE bound? We discuss the smoke, the speculation, and where he could realistically land.-- In AEW: Kyle Fletcher wins the TNT Championship — so why put the title on Ciampa in the first place? The Young Bucks become #1 contenders, Thekla captures gold, and AEW Grand Slam Australia is shaping up to be a massive event!

​The Hamptons real estate market saw its median home sales price breach $2 million for the first time in 2025, and for the first time in history, 70% of transactions were above $1 million. To make sense of the numbers, ​Jonathan Miller​,​ the president and CEO of real estate appraisal and consulting firm​ Miller Samuel Inc., ​joins the editors for a discussion of what influenced sales in 2025 and his outlook for the market in 2026.

Send a textBrian Grete discusses the current state of the corn market, highlighting its lack of responsiveness to strong demand signals compared to the soybean market. He analyzes various factors influencing corn prices, including USDA projections, historical data on ending stocks, and the current pricing structure. Grete concludes that the corn market appears to be fairly priced, with limited potential for significant movement unless fundamental changes occur.Stay Connectedhttps://www.commstock.com/https://www.facebook.com/CommStockInvestments/https://www.youtube.com/channel/UClP8BeFK278ZJ05NNoFk5Fghttps://www.linkedin.com/company/commstock-investments/

In today's MadTech Daily, we look at the IPA Census 2025 showing staff declines and diversity gains, Amazon eyeing a marketplace for AI content deals, and Spotify profits soaring after raising prices.

Is America facing a housing crash — or is this the correction we actually need? I sit down with real estate expert Jon Brooks to dismantle the biggest myth in today's economy: We do NOT have a housing supply shortage. Instead, we may be staring at the aftermath of artificially low mortgage rates, COVID-era speculation, government manipulation through QE and FHA loans, and a collapsing demand base. The "housing shortage" is a myth designed to prop up a bubble market. Here is the truth about real estate, the economy, and why you shouldn't buy a home right now. Separately, I cover why it's a mistake for Trump to oppose any budget reconciliation legislation and to own the terrible status quo economy by calling it “golden” and suggesting there is nothing more he wants to accomplish.  Learn more about your ad choices. Visit megaphone.fm/adchoices

Subscription prices are going up across the board and that may be the norm for the foreseeable future. Then we discuss the state of retail spending and why Unity's stock dropped 30% on fear AI will disrupt the company. Travis Hoium, Lou Whiteman, and Rachel Warren discuss: - Spotify and subscription price increases - Retail sales - Unity's 30% haircut Companies discussed: Spotify (SPOT), Netflix (NFLX), Disney (DIS), Unity (U). Host: Travis Hoium Guests: Lou Whiteman, Rachel Warren Engineer: Dan Boyd, Kristi Waterworth Disclosure: Advertisements are sponsored content and provided for informational purposes only. The Motley Fool and its affiliates (collectively, “TMF”) do not endorse, recommend, or verify the accuracy or completeness of the statements made within advertisements. TMF is not involved in the offer, sale, or solicitation of any securities advertised herein and makes no representations regarding the suitability, or risks associated with any investment opportunity presented. Investors should conduct their own due diligence and consult with legal, tax, and financial advisors before making any investment decisions. TMF assumes no responsibility for any losses or damages arising from this advertisement. We're committed to transparency: All personal opinions in advertisements from Fools are their own. The product advertised in this episode was loaned to TMF and was returned after a test period or the product advertised in this episode was purchased by TMF. Advertiser has paid for the sponsorship of this episode. Learn more about your ad choices. Visit ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Many people falsely assume residency programs will be there when they're “ready.” In reality, these programs are always evolving: investment thresholds rise, processes become more complicated, and what was once straightforward becomes harder and more expensive to achieve the same outcome. In today's episode, my co-host Marc Clair and I break down why Panama is seeing a surge of serious interest right now, what we learned from our recent Fly'n Buy tours, and exactly how the Qualified Investor Visa works through real estate investment. We also explain why acting sooner matters…before a major price rise right around the corner.  IN TODAY'S EPISODE Listen in as we break down why Panama has become such an attractive destination for freedom-minded expats and investorsTune in to hear why Panama's regulatory environment is quietly creating advantages in areas like private medicine and longevity servicesFind out why real estate investment represents the cleanest, simplest path to Panama residency for those ready to act nowLearn how the Qualified Investor Visa works in practice and why the investment minimum is set tonearly doublelater this year STAY IN TOUCH! Stay informed about the latest news affecting the expat world and receive a steady stream of my thoughts and opinions on geopolitics by subscribing to our newsletter. You will receive the EMS Pulse® newsletter and the weekly Expat Sunday Times; sign up now and receive my FREE special report, “Plan-B Residencies and Instant Citizenships.”   WEALTH, FREEDOM & PASSPORTS CONFERENCE, MARCH 6-7, 2026 Come see Panama for yourself and join us from March 6-7, 2026, for our second annual Wealth, Freedom and Passports Conference! Prices go up after February 15th, and space is very limited, so reserve your tickets right away. RELATED EPISODES 387: The Leaders Shaping Latin America's Shift Toward Freedom 384: President José Raúl Mulino: Panama's Adult in the Room 377: Building an International Plan-B While Still Living in the U.S.Mentioned in this episode:Wealth, Freedom & Passports ConferenceGold in the Caribbean—No Bank Can Touch ItFiat is...

Our content today drops a bomb- gives you a title and never goes deeper. Lets discuss the recent price increase from PSA and what it means.

Los Angeles renters are finally seeing some relief as median asking prices have plunged to a four-year low, reaching $2,167 in December. This shift marks a significant change from the pandemic era, where rents peaked at $2,262 in August 2022. The confluence of falling prices and new local rent control rules is giving tenants a rare moment of leverage. Multiple analyses confirm this trend, indicating a meaningful shift in the city's housing market. While this is welcome news for renters, the long-term implications for landlords and the overall Los Angeles economy remain to be seen. Could this be a sign of a broader economic downturn, or simply a correction in an overheated market? We'll break down the factors contributing to this change and discuss the potential consequences for everyone involved.

Figgy's Mixtape brings chaos and laughs with the rising price of roses across the country, a man in England accused of murder who is reportedly upset about missing the release of GTA 6, and more wild and off-the-wall stories.

Joe's Premium Subscription: www.standardgrain.comGrain Markets and Other Stuff Links —Apple PodcastsSpotifyTikTokYouTubeFutures and options trading involves risk of loss and is not suitable for everyone.

02-09-26 - Entertainment Drill - MON - Billions Of Chicken Wings Eaten On Super Bowl Sunday And Onliners Mad At High Stadium Prices For FoodSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Register here to attend the live virtual event "Why Central Florida is the Year's Most Compelling Housing Market" on Thursday, February 19th at 8pm Eastern. Keith looks at how a changing Federal Reserve leadership might shape the interest rate environment, then zooms in on what's really happening with homebuilders versus remodelers across the country.  You'll hear about a lesser-known strategy some investors are using to step back from day-to-day landlording while keeping their income, and then we head to Central Florida to explore why one fast-growing market is quietly becoming a hotspot for new-build rental properties.  Along the way, a longtime Florida builder joins the show to explain how they're creating affordable, investment-friendly homes and what kinds of rents and tenant demand they're seeing on the ground—plus a way you can learn more live if this opportunity fits your own portfolio plans. Resources: Register for the event at GREwebinars.com Episode Page: GetRichEducation.com/592 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  For predictable 10-12% quarterly returns, visit FreedomFamilyInvestments.com/GRE or text  1-937-795-8989 to speak with a freedom coach Will you please leave a review for the show? I'd be grateful. Search "how to leave an Apple Podcasts review"  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— GREletter.com  Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Keith Weinhold  0:01   welcome to GRE. I'm your host. Keith Weinhold, the naming of a new Federal Reserve Chair. Then are homebuilders in trouble today? There are a dwindling number of them, and their profits are down. I'll talk to a homebuilder. Listen to what amenities tenants want today, and it's interesting. We'll learn how low of a mortgage rate builders will give you. Now there's an opportunity here today on get rich education.   Corey Coates  0:30   Since 2014 the powerful get rich education podcast has created more passive income for people than nearly any other show in the world. This show teaches you how to earn strong returns from passive real estate investing in the best markets without losing your time being a flipper or landlord. Show Host Keith Weinhold writes for both Forbes and Rich Dad advisors, and delivers a new show every week since 2014 there's been millions of listener downloads of 188 world nations. He has a list show guests include top selling personal finance author Robert Kiyosaki. Get rich education can be heard on every podcast platform, plus it has its own dedicated Apple and Android listener phone apps build wealth on the go with the get rich education podcast. Sign up now for the get rich education podcast or visit get rich education.com   Keith Weinhold  1:14   mid south home buyers with over two decades as the nation's highest rated turnkey provider, their empathetic property managers use your return on investment as their North Star. It's no wonder smart investors line up to get their completely renovated income properties like it's the newest iPhone headquartered in Memphis, with their globally attractive cash flows, mid south has an A plus rating with the Better Business Bureau and 4000 houses renovated, there is zero markup on maintenance. Let that sink in, and they average a 98.9% occupancy rate with an industry leading three and a half year average renter term. Every home they offer you will have brand new components, a bumper to bumper, one year warranty, new 30 year roofs. And wait for it, a high quality renter in an astounding price range, 100 to 150k GET TO KNOW mid south enjoy cash flow from day one at mid southhomebuyers.com that's mid southhomebuyers.com   Speaker 1  2:17   You're listening to the show that has created more financial freedom than nearly any show in the world. This is get rich education.   Keith Weinhold  2:33   Welcome to GRE from countersport Pennsylvania to Davenport Iowa and across 488 nations worldwide. I'm Keith Weinhold, and you're listening to get rich education now more than ever, where you learn about personal finance and real estate investing matters. There's more AI generated content out there. This show is all flesh and blood me. There's also more clickbait content out there that says something like the housing market is about to have a price crash. No, it's not. They're just there to get short term attention. So your information source really matters today. New incoming Fed chair, Kevin Warsh, was recently named. He will replace the outgoing Jerome Powell on May 15. I want to tell you more about that in a moment. But first, just imagine if this scenario were to occur, say that we get a Fed chair that has to deal with really high inflation. And so what this Fed chair does is that he successfully brings inflation down, and he does that without triggering a recession that's called a soft landing. Well, you know what? That's exactly what Jerome Powell did the past three years. Yeah, that's what he's accomplished, and he doesn't get credit for it. He only gets a lot of criticism. Now this doesn't mean that I love Powell. I don't even know that the Fed should exist at all, but Powell got a lot of criticism for calling 2022, wave of inflation transitory, and being too late to respond to it. So he gets some credit here as his term of more than eight years winds down. Let's listen in to some of Jay Powell's recent comments about succession,    Speaker 2  4:23   you've obviously experienced a lot during your time as Fed chair, served under multiple presidents. I'm wondering what advice you have for whoever your successor might be.   Speaker 3  4:34   Honestly, I'd say a couple of things. One is, you know, stay out of elected politics. Don't get pulled into elected politics don't do it. And that's another thing. Another is that you know, our window into democratic accountability is Congress, and it's not a passive burden for us to go. To Congress and talk to people. It's an affirmative, regular obligation. If you want democratic legitimacy, you earn it by your interactions with the our elected overseers. And so it's something you need to work hard at, and I have worked hard at it so and the last thing is, you know, it's easy to it's easy to criticize government institutions so many ways. I will tell whoever it is you're about to meet the most qualified group of people you not only have ever worked with, you will ever work with and when you meet fed staff. And not everybody's perfect, but, but there isn't a better cadre of professionals more dedicated to the public well being than work at the Fed.    Keith Weinhold  5:43   Yeah. So to Powell's point, the next Fed chair, worsh, does champion fed independence, much like Powell has. That is a good thing that keeps America from turning into a banana republic that maintains a strong dollar. Warsh was actually a Fed Governor back during the 2008 global financial crisis, so he's got that experience when he comes in as Fed Chair in three months, he's widely expected to lower interest rates more than Powell did, much like the president wants. Kevin Warsh looks a lot like Michael Scott from the office. He has got to be less bumbling than him, though, overall, the effect on real estate and mortgage rates by shifting from PAL to worsh, I mean, that should be pretty mild. Maybe you'll see rates go a little lower than if pal had stayed and speaking of rates, wait till you see how low the mortgage rate is that our homebuilder guest is offering today. What's really happening with homebuilders now? How much trouble are they in? Homebuilders have largely been maligned. Overall. There are fewer homebuilders today in America than there were 20 years ago, and there are more remodelers than there were 20 years ago, fewer home builders, more remodelers, and that's for a few different reasons. Over the past couple decades, we just have substantially higher labor and material costs, stricter building and energy codes, higher interest rates, and that disproportionately hurts long duration construction projects. We've got zoning constraints and land constraints that make ground up development slow and uncertain and risky. So while the number of Home Builders in America is down, the number of remodelers are up, because America's housing stock is getting older. Its median age is over 40 years, and that creates constant demand for upgrades. Capital prefers faster, lower risk cycles. That's what remodels offer, and homeowners with locked in low mortgage rates choose to stay in place. And what does that make them do? That makes them renovate and remodel, not move. So this is why, compared to 20 years ago, you have fewer home builders and more remodelers. Today, that's per the NAHB and the Census Bureau and all these forces, they've resulted in a lower profit margin for homebuilders. Yes, homebuilder margin compression for a lot of the bigger builders, including DR Horton, just as you might guess in this cycle, their profits were greatest in 2022 and they have fallen since then. Higher mortgage rates came in, and builders had to lose profits by offering more incentives to entice buyers. You're going to learn more about that today and how it really spells quite an opportunity for you and I. When the final change in national home prices was tallied for the end of last year, they had risen in 16,500 zip codes. All right, that's 63% of America's zip codes, and prices were lower from a year earlier in the other 37% home price gains were concentrated in the Northeast and Midwest, and the story there continues to be too many buyers and not enough homes. In fact, over 85% of zip codes saw price growth in Illinois, Connecticut, Wisconsin and Indiana, slow, steady, stubborn, kind of like winter refusing to leave. Losses were predominant in the Sun Belt. Prices caught their breath there. There was price attrition in Florida, with 96% of zip codes, so nearly all of Florida, then California, 78% of zip codes had a price loss. Texas, 75% of them and Arizona, 73% the biggest pocket of opportunity appears to be in Florida. Florida property is on sale. And because real estate is local. A lot of times we talk here nationally, but to get to that local level, sometimes you have to dig in to a local market to really find out what's going on. We're going to do that today. Now, central Miami, Orlando and Tampa, they're not generally the spot for obtaining cash flow from long term rentals. I've identified an opportunity. We'll get into that with this Florida homebuilder shortly. It's kind of funny. You'll run into people that say they want opportunity, but what they really want is certainty. How it plays out, though, is that once the certainty arrives, the opportunity is gone, and that's how to think about Florida and maybe Texas and some of these other markets today that have had price attrition.    Keith Weinhold  10:48   Now, three weeks ago, here on the show, I discussed the 721 exchange for the first time. So I won't get into all those details again when it comes time for you to sell your investment property, the 721 can be the best way for you to cash out. Perhaps you've been investing in real estate for a while and you have turned get rich education into got rich education. How the 721 exchange works is they basically say you have a case where you're a rental property owner and you realize that you don't want the hassles of landlording anymore. Oftentimes, this can mean you're older and real estate investing already took you where you wanted it to take you in life's journey, but you still like the financial benefit that ownership gives you. What you can do is exchange your properties into a partnership and receive shares in that partnership. Now that's different than a 1031, exchange. That's where you trade up some of your property that you directly own for what's usually more and larger property that you directly own. Well, instead, here's the big deal with exchanging your properties into a 721, partnership. The rules stipulate that this is not a taxable event, and therefore you don't have to pay any capital gains tax or depreciation recapture. Now that you're an owner in the partnership, you still get some of the benefits of owning the property, like appreciation and cash flow and such, yet no management or landlording at all like you would have with a 1031 and with a 721 you get all these benefits across a greater number of properties and markets diversification because you're a fractional owner in the other properties that are in the partnership, not only your own, and when you eventually pass away, your shares are stepped up in basis and can be distributed equally to heirs and C It's surely easier for you to divide shares among, say, your three children, than it is to divide your 18 rental houses among three children Who are going to have different goals and varying degrees of financial savvy. So the 721, exchange is a great estate planning tool too. You will have this partnership that makes an offer to buy your property. You're exchanging them for partnership shares. There's a firm that does this called flock homes, and they have a certain Buy Box to be clear with the 721, exchange, you can basically trade your rentals for shares in a diversified, professionally managed Real Estate Fund. This means that you keep your hard earned equity defer capital gains and other taxes, and you still get access to steady income and long term appreciation without the hassle of landlord duties, and you can visit flockhomes.com/gre, and get a free valuation. Get an offer for your property, see if it fits their buy box and see how much they'll pay you. There's often no need to pay to fix up or stage the property for sale or pay agent commissions for a certain investor type. This really can be a rather life changing experience for you to liquidate some or all of your property have zero tax obligation and still enjoy income and appreciation. So again, what you can do is stop by flock homes.com/gre, that's F, l, O, C, K, homes.com/g, R, E, let's discuss the home building climate today.   Keith Weinhold  14:38   I'd like to bring in a premium Florida homebuilder guest to the show, Jim, because there has been more homebuilding in Florida such that some areas of the state have excess supply. And when you add that onto the fact that the hot pandemic migration to Florida has slowed such that home prices have made a rare dip in the state, that is why it. A timely topic. Jim, you're on GRE Welcome to the show. Keith, great to be here. Thanks for having me. Yeah, and we did the IRL thing in Colorado there a few weeks ago. That was great hanging out in person. You provide entry level new build homes, mostly in Central Florida. And these are properties that are conducive to real estate pays five ways. These are properties that investors chiefly buy as rentals. So just bigger picture, tell us about that overall experience over, say, the last five years, as the pandemic wound down,    Jim Sheils  15:35   yeah, as the pandemic wound down, obviously Florida had a lot of attention. Some of it, rightly so, some of it, I think a little more inflated and commercial attention getting thrown at it. And you know, the type of deals that you and I have always stayed away from were very popular in Florida. You know, we're talking really nice houses. Keith, beautiful, nice HOAs people got in in 2021 let's say, with those very low interest rates on a six or $700,000 home, but now they're realizing that it's not going up $100,000 a year as they thought. And when they try to sell it, well, people trying to buy in $700,000 home, they're not getting that low interest rate. And if these people try to hold it and rent it, well, it doesn't cash flow, so it breaks one of those rules. It's not putting money in people's pockets, taking it out. And so we're seeing there was a large distribution of those types of houses around Florida. And then there were some builders like us that really focused on what was the most needed, and that was workforce housing. Now workforce housing, though, Keith, as you know, a lot of the builders don't want to build it. Why? Let's be straight. It's because the margins are lower right. But as you know, with me and my partner Chris, it was always let's make less margin and do more volume. That was always our model, and that was the area of the market where we felt we could build it right, we could get it financed right, and we could manage it right to hit the five things. And so we're seeing today, post pandemic, there are still key markets where the population growth is still the highest, coming into Florida, the prices are still the lowest, and there is a shortage of this type of workforce housing.   Keith Weinhold  17:11   Yes, you've identified a geography within Florida that have some of these characteristics like you're talking about. Tell us more about that region.   Jim Sheils  17:20   Yeah, we call it the Ocala region, so Central Florida, just west of Orlando. Right now, for example, u haul does their U haul top markets rankings every year? So where are the most U haul trucks going to now, you don't want to be on their side where they're coming from, Keith, because that's obviously the opposite. But for the second year in a row, the greater Ocala area has been the number 1u haul destination place in the country. So there's still a ton of population growth going there. Central Florida, I'm not going to say it sat out the growth during the pandemic that a lot of areas of Florida did, but it was starting at such a low basis with such a small amount of attention that today, even when people say, oh gosh, like I just said, house is 600 700 800,000 we're building new construction single family homes for under 300,000 the 270s a lot of the time. And we're building duplexes sometimes for under 400,000 and a lot of our you know, investors coming from the west coast. Say, are these fully built? Are they? But again, Central Florida has had a great affordability. Remain intact. It has a large population going in. There is a ton of job resource just blowing up in the area. And as you know, these are the things we look for. So we bought a lot of lots there. I'm gonna give credit to my partner, Chris. He saw calla more than I did, and we bought a lot of lots there in 2020 so before all the rises. So we got into the land basis, right? So that means we can build them at a great price. Our land basis is low, and that obviously passes along to our clients. And again, Central Florida is a perfect match for our goal. Because, you know, our goal is workforce housing, that cash flows on day one. But also nothing wrong with fixer uppers. I own a lot. I used to do a lot, but the new construction seems to have a little bit more of a less involvement, which it seems like a lot of our clients want.   Keith Weinhold  19:15   That was really prescient, as it turned out, for your business partner, Chris there to gobble up a lot of that land in 2020 before prices went soaring. And this is one reason why you can do things like offer a duplex for less than 400k That's a new build, which has some people saying like, does that thing include a roof even? But it surely does. These are very good quality livable properties. And the reason I have you here, Jim is because you are rare. There are fewer builders today than there were in decades past, and also those that build to your point earlier. They only want to build higher end properties, not the more affordable ones that you offer. We'll get more details on your price points and what properties. Products you offer later. But yeah, we have more remodelers today and fewer builders. And though it's a few years old, I found it interesting that census statistics show us that between 2007 and 2022 there are 73% more remodelers and 21% fewer builders today.    Jim Sheils  20:22   Interesting. You know, Keith, I didn't know that, and that makes me scratch my head on like when you and I were in Colorado, we were talking about future needs, even with growth that occurred during the pandemic going all the way back to oh eight when a real shortage started to start, we are still at an estimated three to 5 million homes short in the US. It really perplexes me that the amount of builders like us will be going down and not actually entering the market.   Keith Weinhold  20:47   Now, among those that are building, though, much of that is concentrated in the South, as I think we know, there's a recent resi club compilation show that 59% of current single family home building is in the south, and 41% is everywhere else. And how do you define the South? That's basically Maryland down to Florida, all the way out to Texas and Oklahoma. So you are pretty rare in some ways. However, where you're building regionally, that's not a rarity there, but yeah, having more remodelers today and fewer home builders, that's probably the result of a lot of things. You know, for one thing, just land and construction costs becoming that much more expensive over the past five years.   Jim Sheils  21:05    Yeah, we've been lucky, too, as you know, Keith, you've been with us for a decade now. But yeah, and we transitioned a piece of our company where Sumitomo forestry, large Japanese group stepped in and acquired a piece of our property. That was a very exciting thing for all of us together, because we had done well, and, you know, started small and built up to a decent sized builder for Northeast Florida and then the rest of Florida. But now, with Sumitomo coming in again, they build 17,000 homes worldwide every year, between all of their builders. Now being a part of them, we get to use their national material accounts, so they get pricing just as good, if not better, than national home builders, and they let us do our thing, stick to our build to rent, working with investor clients. We're not retail buyer guys, really. We like working with our investors, but just getting those great discounts on materials, again, we're always looking to pass on savings to our clients. Of course, we got to make margins as well, but if we're getting in with deals like that, getting into the land right, and knowing the pinpointed areas to get into, we can get the best deal for everyone. And that's been a major part having such a big, successful partner like Sumitomo keep us healthy, viable and able to do things we could have not even dreamed of five years ago.   Keith Weinhold  22:47   Yes, that gives you more capital and more options. Another unusual aberration in the market that really centers on a lot of what you do is that this fact that and this was mentioned on the show last year for the first time in my life, existing homes cost more than new build homes. Existing homes at about 420k nationally, and new build homes about 392k part of the divergence there is probably builder price cuts. So tell us more about that.    Jim Sheils  23:14   I think the issue Heath is builders built for largest spreads, and people bought very emotionally. I think you're to give you a compliment a very unemotional real estate buyer. You're not looking at, oh, this is a very nice, you know, extra his and hers porcelain sink. And we're looking at fundamental numbers a good, solid property. And I think what's caused a lot of that is people did the opposite. Builders were looking for the largest margin they could get, which was on those types of properties. And then buyers were looking very emotionally, and they were told, Hey, this is going to go up 50 to $100,000 a year. So just sit there and hold on, sure you'll lose $1,500 a month, but don't worry about it. You'll make up for that every year. And obviously we're not seeing that's true. They could have really used your class about the five ways to get paid in real estate. And I think that that's what's doing it. And this is what builders do. I mean, everyone's in a business, and a lot of builders just focus on the largest margin. Now that's eating them up now, because those types of properties are not in demand. To build them on spec would be very dangerous, but you can see that that worked for a short term. We're very glad we went to the low margin workforce housing model, because I see that falling out of favor almost never even in Oh 809, Keith, when I was in the remodel game, a lot of the properties that were new construction coming out that time they were affordable, still did very well.   Keith Weinhold  24:42   We're talking with a premium Florida homebuilder today, because they offer affordable properties that make sense for investors. But what about the demand? Where is that going to come from? Where is that going to be? And that's what's happening with the renter segment. We'll talk more about that when we. Come back. You're listening to get rich Education. I'm your host. Keith Weinhold,   Keith Weinhold  25:03   flock homes helps you retire from real estate and landlording, whether it's one problem, property or your whole portfolio through a 721, exchange, deferring your capital gains tax and depreciation recapture, it's a strategy long used by the ultra wealthy. Now Mom and Pop landlords can 721, the residential real estate request your initial valuation, see if your properties qualify@flockhomes.com slash GRE, that's F, l, O, C, K, homes.com/gre.    Keith Weinhold  25:39   You know, most people think they're playing it safe with their liquid money, but they're actually losing savings accounts and bonds don't keep up when true inflation eats six or 7% of your wealth. Every single year, I invest my liquidity with FFI freedom family investments in their flagship program. Why fixed 10 to 12% returns have been predictable and paid quarterly. There's real world security backed by needs based real estate like affordable housing, Senior Living and health care. Ask about the freedom flagship program when you speak to a freedom coach there, and that's just one part of their family of products, they've got workshops, webinars and seminars designed to educate you before you invest. Start with as little as 25k and finally, get your money working as hard as you do. Get started at Freedom, family investments.com/gre, or send a text now it's 1-937-795-8989, yep, text their freedom coach directly. Again, 1-937-795-8989,   Keith Weinhold  26:51   the same place where I get my own mortgage loans is where you can get yours. Ridge lending group and MLS, 42056, they provided our listeners with more loans than anyone because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage. Start your prequel and even chat with President chailey Ridge personally, while it's on your mind, start at Ridge lending group.com that's Ridge lending group.com   Ken McElroy  27:26   this is Rich Dad advisor, Ken McElroy. Listen to get rich education with Keith whitehold, and don't twitch your Daydream.   Keith Weinhold  27:40   Welcome back to get rich Education. I'm your host. Keith Weinhold, we're talking with Jim a premium Florida homebuilder here at such an interesting time in the cycle, since supply is up in some parts of Florida, Jim and his team has strategically chosen a place that is still fueling a lot of net in migration in Central Florida, and that's where the rental demand needs to come from as well. Now nationally, we've seen the homeownership rate fall over about the past year, from near 66% to near 65% that does not sound like much, but a 1% shift means there are 1.3 million new renters in just the past year. So with that in mind, and the fact that this low affordability for home buying means that people need to rent or stay renters longer, provides some of the Sustainable demand. So tell us more about the rental demand in Central Florida.   Jim Sheils  28:39   Yeah, you know, when we first went out there about a decade ago, Keith, I think it was 82 or 83% of all properties out there were owner occupied, which means it was a very lopsided amount of existing rental property available. And this is before the curve of population growth really took off. But when Chris and I went out there and we were assessing that small percentage of rental property that was out there. Gosh, it was old and kind of beat up. There was not a lot like the new construction that was available. So when we brought in new construction, we saw just the competition. Was hard to compete with us. You know, when it was an older, not so nice taking care of we came in and we saw a jump from, you know, doing older houses ourselves, you know, a person would stay about 13 months. But for the new construction in Central Florida, we've seen a jump to about three years. So that's really positive. People get into a new construction property they don't want to leave, whether that's half of a duplex or a single family. The duplexes are interesting because we're able to build those on infill lots and existing single family home neighborhoods, so a person who doesn't want to live in an apartment can live there, have their own yard, and they couldn't afford the whole single family, but to have half of a single family basically what a duplex is. It makes a big difference, and the people are in great demand of rental in Central Florida there because of exactly why. I said, Keith, the job. Course, continues to grow in Central Florida, extremely strong. The business incentives to come into the area by the local municipality is very, very good. So here's something interesting, Keith, the average salary in Ocala is about 72,000 and the average home price is about 298,000 that is a very healthy affordability one. Yeah, very, very good. And so that job source continues to pay very well. And we've talked about just the logistics centers and the Equestrian Center. That's the largest in the world. Now the villages are just 25 miles south. So Ocala becomes a bedroom community, and that is the second largest retirement community and growing in the US. So there's a lot of job source that allows people to live there at a good affordability. And so that combination of affordability with this extending job source has been really, really good for the Ocala region.   Keith Weinhold  30:59   It's been said that the only place you get money is from other people, and we're talking about your renters in this case. So oftentimes these renters, they had their sense of privacy there, like, for example, do the duplexes even have fenced backyards for each individual side,   Jim Sheils  31:17   depending on where they are? We will. Other times it hasn't been a requirement. We've done lots of surveys to see is it worth the price point to put in full fencing in certain areas. It can be in a lot of areas. Keith, they're just so excited with the price point not having to move into an apartment building that it hasn't even been warranted or necessary.   Keith Weinhold  31:38   Yeah. So we're talking about livability characteristics here, because oftentimes new build rental property results in a higher tenant stay that longer duration, because they're the first person that have ever lived there, and it's also difficult for them to go out and improve their living situation unless they become a home buyer, and that's difficult to do today. Tell us more about the incentives and the property types and so on, because there really are some pretty exciting ones.    Jim Sheils  32:09   One of the best things about Central Florida, Keith, combined with new construction, is insurance costs. Now you and I have laughed about the blanketed statement where you said, oh my goodness, you cannot get insurance in Florida. You can't get property insurance in Florida, or it's doubled, tripled, gone up 7x that is a true statement on certain properties. If you're buying older properties from the 1950s that are within a half mile of the beach on low lying ground, but new construction properties far away from the beach, that is a totally different things. So again, being in Central Florida, where we are, a lot of people think, oh, to insure a single family home there, that's going to be several $100 a month, when actually, you know, and you've seen a lot of our performer quotes, our insurance companies are getting a single family home done for about $65 a month on average, full coverage. And that's the advantage of new construction. Insurance companies are all about risk. They analyze risk. When you're on a new construction property built on higher ground away from the beach, they like that, and they do that a duplex. You're looking at about $100 a month. So incentive wise, we've really searched to team up with great insurance companies that get the best rates full coverage. And again, we surprise people when they say, Oh man, I thought there would be a whole nother zero at that monthly cost. And these are actual quotes, as you know, with working with a lot of GRE people. So that's one great thing, another great thing, Keith, that happened when we joined forces with Sumitomo. And again, Sumitomo 320, years old, one of the biggest powerhouses out of Asia, Warren Buffett, is very heavily invested in another one of the conglomerates, not the housing one we do, but he's very involved in one of their other companies. And when they came aboard, you know, we have no bank debt for a builder, which is rare. And since we have such a healthy balance sheet, we're actually able to work deals with mortgage companies where we'll do what's called builder forward commitments, Keith, and that means we will pre buy mortgages for our clients, for the homes we're building, and we will pass that savings along. So right now, you know, if an investment property in a duplex might be an average of 7% for anyone who walks in off the street to a bank. Right now, our most popular rate program for our investors, for single family or duplexes, is 3.75 Gosh. So as you know, for your five ways, if we want to get cash flow, there's a big difference. Yeah, we're getting affordable housing. But if the rate is over 7% compared to 375 that could eat up the cash flow with us being able to have this power to buy large tranches of money and pass it along and lock our people in again, an average right now at 3.75 is our most popular program, and that's long term money, then we're able to get that cash flow right off the bat. And you and I know how important that is   Keith Weinhold  34:50    for this super attractive 3.75% long term mortgage rate on single family homes and duplexes. How? Much does the buyer have to come out of pocket at the closing table to buy that down themselves? And how much do you the builder participate in that buy down?   Jim Sheils  35:07   You know, it depends Keith at different times, because there is a little bit of a fluctuation. Sometimes it can be as low as zero points or just one origination point to bring it in. It does vary. And also, if people say, hey, I really don't want to bring in any points. Well, that's fine. You know, if you don't want to walk in zero to 2% points for that, you can also just raise your rate up to four and a quarter and probably walk in nothing. So there's different things that we can do, but the goal of it is to have us have the brunt of it. And what I can tell you is, if the average person walked into a bank, and a bank wouldn't do this anyway. It's only for, again, builders with a certain size, but if you went into a bank right now and said, I'd like to buy my rate down to 3.75 the average Keith that this would cost a person off the street going into a bank would be 12 to 15% banks wouldn't even do it for an individual. But that's about the estimates when you look at it. So again, volume has privileged. The fact we're able to buy it down. It does cost us a good amount of money, but we're all able to save since we're kind of working together to buy these larger tranches. And again, the need of any investment for buying down the rate from the clients is very minimal.   Keith Weinhold  36:18   Tell us more about the property types, new build single family homes, new build duplexes.   Jim Sheils  36:23   You know, single family and duplexes are our main focus in 2026 for Central Florida, we've done the research. They're very high in demand. They rent quickly, and they rent long term to produce cash flow. Our average single family home under 300,000 we're aiming to after expense, make about $300 cash flow. Our duplexes should be about twice that amount, about just under $600 a month, or just over in cash flow. And then again, the prices are ranging from about 395, to 420, for a duplex. Again, these are in workforce areas where we're doing great, scattered lots. Scattered lot means there's already existing homes around. We like to go to an area where there's good a fundamental balance of homeowners and renters. So there's retail buyers that have bought their first home, and we will place our rentals in between them, whether it's a single family or a duplex.   Keith Weinhold  37:13   We sure don't need to do a complete audio pro forma here, but those cash flow amounts something near $300 for a single family home, and about double that for a duplex. Is that using, you know, a bought down rate to about 4% and some of these other inputs you're talking about, like low insurance costs and a certain property tax rate, can you tell us about that?    Jim Sheils  37:35   Yeah, property tax rate is property tax rate. We can get pretty dang close on property taxes, you know, based on millage and get that down. But when we do our performers, we absolutely go off of, you know, our average rate to be the 375, to four and a quarter. And then when GRE clients look at our performer, and they look at the insurance cost, that's an actual quote from one of our insurance companies that has insured hundreds and hundreds of these properties. Not a guess, yeah, so they know what they're doing. So yeah, those would be the assumptions made in there, and that's what we're basically getting on a week in, week out basis.    Keith Weinhold  38:09   That is really attractive as we're talking about new build. I imagine there is some sort of builder warranty as well.    Jim Sheils  38:16   There's a state mandated 210 warranty. 210 warranty is something we could talk probably a whole episode on Keith. But for what's good for people to know, basically what that means, you get two years coverage on the small stuff and 10 years coverage on the big structural stuff. And so that's why I like new construction. You know what? I used to personally just buy my own fixer up Return key properties from other people. I could get a one year warranty, and that's the best that really can be done. Now with new construction, we've gone from, you know, with our fixer upper homes, able to do a one year warranty, which is good at something. But now with new construction, we can do a 210 warranty, big difference, and also really helps the safety score of issues if they came up.    Keith Weinhold  38:59   We were talking about new build property, and we tend to project relatively low maintenance and repair costs for an obvious reason, maybe your long term vacancy rate could very well be lower as well, due to my earlier point about a tenant wanting to stay there for a long time, because it's hard for them to improve their living situation unless they went out and bought their own place. And you have the low insurance rates, and you have the low mortgage rates, all contributing to positive cash flow on a new build property. And we think about that tenant and what gets the tenant excited? We start to think about some of those amenities. So tell us about what amenities are offered, including inside, in the kitchen and so on.   Jim Sheils  39:38   Jim, yeah, great question, Keith. We've really gotten a great recipe for success for that. You know, we've been doing this a little over a decade now, and so you're always tweaking your build model. What do people like? What do they not like? What's good for durability? Let's look at maintenance and repairs. Let's look at turn costs. So our goal is always the dual focus. That's what looks good. And what lasts really well, yeah, because you want durability. When you have tenants, you want it to look good, so you sell it down the road, 510, years to a first time homebuyer, it looks great. You can sell it. But durability wise, you don't want a lot of extra expenses or maintenance and repairs. So we go durability. So what we found a couple of things. I always joke about this. I do not like the word carpet, Keith, that is a terrible swear word in real estate investing, I can tell you right now, if I could go back and this is not, you know, owning hundreds of rentals, if I could not have done carpet and just reversed it to like vinyl plank flooring, like we do now, or even tile, which was more, I probably would have been able to buy three or four of our duplexes cash with the amount of money, and that is not an exaggeration. So we do not do carpet. First of all, it seems like trends are changing. It's not in favor right now. So we do vinyl plank flooring, which looks really nice, almost like wood floors, super durable, though, for a young family that's going to be tenant occupied in your property and running around on it. That's great. Kitchen wise, again, we don't sell retail really. We like to work with investors, but down the road, our investor might want to sell to a retail buyer. So we know, you know, from our old fix and flip days of the FHA buyers, the kitchen's got a pop. So we always do, you know, we don't do the white appliances, which you know would save you quite a bit of money, and save us quite a bit of money. We do stainless steel appliances. We do all new cabinetry, you know, kind of the latest, nicer cabinetry, a little bit of an upgrade. And then, you know, butcher block countertops, those are going to wear in about a year or two. Keith, it feels really good to spend that smaller amount, you know. But we, we like to do the more durable, nice looking countertops, you know, that are, you know, just so much more esthetically pleasing and actually durable as well. Same thing in the bathrooms. A lot of new builders will do shower kit, which not a problem if you're saving money on a rehab, you know, but we would rather do tile, bring in the extra subcontractors to give tile, and then in the master we do the dual sinks, which this might sound like little stuff, Keith, but these are the micro movements that help get a tenant in quicker, stay longer and more rent. So we're always trying to do these extra things in the granite countertops, both in the kitchens and in the bathrooms. Those cost more upfront, but we see for long term of tenant we see, for the amount of rent we get, and for resale ability, because a lot of people don't think about that. You know what? In seven years you want to sell one of these properties? Well, it's a seven year old roof, it's seven year old plumbing, you're still in a great spot for an FHA buyer. And that esthetically pleasing flooring, bathrooms, kitchens. That allows an easier sale for them, because we want to look all the way around, not just a rental. I like to hold long term, but if you want to sell in five to 10 years, that's a very valid strategy.    Keith Weinhold  42:48   I like carpet in my own home, but not rentals. But what you're sharing with us, Jim, this is absolute gold that's been brought to you through experience. This over improvement versus under improvement line in rentals, and it really has a lot of balance between durability and price. These are the sort of things that really matter, but you are selling predominantly to individual investors, a lot of mom and pop investors. Why don't you make more sales to the retail, owner occupied market, or to institutional investors, even though that might be cracked down upon now. But why don't you sell to those parties?   Jim Sheils  43:26   Yeah, you know Keith, I did a lot of fix and flip to FHA buyers, and I'm an investor. I really like working with investors. So when this all really went back to is 2009 I had a lot of investors. I was in Northeast Florida. The deal flow was incredible. And I just had a lot of investors, you know, through my different networks and Masterminds, like, where you and I have met, and said, Hey, you're getting great deals in Northeast Florida. Could you help put some together for me? And so I had done quite a few fix and flips to retail buyers, and it just kind of hot on me, you know, way back then, like, Wow. I like working with investors. I like building portfolios. I also like the fact that when I'm normally building a portfolio for an investor, well, they hang out with other investors, and they're not looking to buy one property over the next five years. They're looking to buy five to eight properties over the next five years. great point. And so we just saw it as you gotta like who you work with, right? And nothing against first time homebuyers. But when I was rehabbing houses and selling them, golly, that was a lot of work. And then could be persnickety. Yeah, very persnickety. And so when Chris and I teamed up about 10 years ago, we had both gone through the same kind of aha, like going, Yeah, it seems great, but you could sell for more to a retail buyer. But again, like I go back to even the type of property we build, we'd rather do a volume with investors. Be a builder, buy investors for investors, and work that way. And I think it suits me. I think I would have probably hung up my shoes a long time ago if I was. Working with the amount of properties we've done with retail buyers compared to investors, honestly, and so I think it was just kind of, it was a preference, really, that made sense   Keith Weinhold  45:09   to your point. Investors buy multiple properties, and that way there are fewer parties to deal with. And investors tend to be less emotional than those more persnickety, owner occupied buyers. Well, Jim, you make it easy for investors. Besides all these incentives, you also offer an in house management solution for these investors, often that tend to be out of state. Well, Jim, before I ask you, if you have any closing thoughts, would you the listener like to ask Jim any question directly? Well, you can, because I have a great event to tell you about next Thursday, the 19th, at 8pm eastern Jim here and GRE investment coach, Naresh will co host a live webinar for Central Florida new build income property. In fact, Jim, I think you know Naresh longer than I have, as it turns out, but this event is free, and you the listener are invited. We've had between 250 and 550 registrants for our past webinars. Not all of them attend live. So the benefit of you attending live is that you can have any of your questions answered by either Naresh or Jim in real time, and besides learning about the Central Florida market and more about home building, you are going to see available new build income property, real addresses with some of these rather grand incentives that we've talked about here, you might end up with a long term rate of about 4% again, it is Thursday, the 19th at 8pm Eastern. Sign up is open now at grewebinars.com that's grewebinars.com Any final thoughts here, Jim, for this great event coming up next week?   Jim Sheils  46:52   I think we're going to dig a little deeper. Obviously, this is a conversation that was great, but moves pretty quickly when we talk next week, we're going to be able to dig into more of the fundamentals, some of the stats, and just get underneath the hood of why Central Florida is making so much sense, and just some of the rising stars that we're seeing there that we're very excited to be a part of.   Keith Weinhold  47:13   You've helped our listeners for close to 10 years now. It's been an informative chat as always. Thanks so much for coming back onto the show.    Jim Sheils  47:21   Thanks for having me, Keith.   Keith Weinhold  47:27   Yeah, like our guest touched on Ocala, Florida now has national recognition as the fastest growing city in America, and that's for the second year in a row. According to a new U haul report, Florida is, of course, a rather landlord friendly state. In fact, Florida is the first state to enact a law that allows law enforcement to immediately remove squatters, distinguishing them from legal tenants. Now here's what's interesting and why I've identified this opportunity if Florida prices dipped because people were leaving now, that could be a red flag, because population loss is like gravity. Once it starts falling, it is hard to escape. But that's not what's happening. Instead, what we're seeing is a temporary overbuild hangover. Builders got ambitious. We're in a brief period where supply outran demand and prices softened. That's not decay. That's a sale rack. Any vacant homes are not stranded. They're being absorbed by Florida's still growing population, which has now increased every single decade since its first census count, back in the year 1830 back in 1830 there were about 35,000 residents in the whole state. Isn't that amazing today? North of 24 million, that is 700x population growth in almost 200 years, and it's still growing. That kind of trend doesn't reverse because a few builders over ordered inventory here at GRE this made us target and find in opportunity. This isn't an accident. Central Florida is this year's most compelling. Housing market in that region, Central Florida, is growing faster than the rest of the state at large, and it really sits in the sweet spot of this temporary imbalance. One long established builder overbuilt and now they're motivated. They know what investors want. So, for example, they don't build swimming pools with their homes. They also offer property tours, and over 90% of their tour attendees buy property. They're willing to offer terrific incentives at our upcoming GRE live webinar, like we touched on new build single family rentals, 270k and up duplexes, three. 95 to 420, long term mortgage rates as low as 3.75% you get low insurance rates since they're inland and new build positive cash flow and a builder warranty at the event. You're going to learn all about the growth drivers in Central Florida, why so many renters are moving there and see available properties. This benefits anyone looking for a clear, practical view of current real estate conditions. Joining live does matter, since you can have those questions answered in real time, not after the opportunity has moved on, you are invited for next Thursday, the 19th, at 8p m Eastern. This one is worth circling, not because it's flashy, because it's timed right. Sign up is open now @grewebinars.com that's gre webinars.com. Until next week. I'm your host. Keith Weinhold, don't quit your Daydream.   Speaker 5  51:00   Nothing on this show should be considered specific, personal or professional advice. Please consult an appropriate tax, legal, real estate, financial or business professional for individualized advice. Opinions of guests are their own. Information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of get rich Education LLC, exclusively.   Keith Weinhold  51:29   The preceding program was brought to you by your home for wealth, building, get richeducation.com