Podcasts about Remain

Gregory Copley reports that amid a military buildup and failing talks, President Trump is considering kinetic action against Iran's clerical leadership, while the Iranian people remain largely anti-regime. 13.1638

Welcome back to this brand new season of the Rhythms For Life podcast! Freshly thawed from the ice storm that hit Nashville a couple weeks ago, Gabe and Rebekah welcome their longtime friend, global speaker, and prolific author, Christine Caine. As she approaches her 60th birthday, Christine shares her inspiring 60 at 60 challenge: committing to 60 new experiences to keep her brain and spirit thriving. This conversation dives deep into the heart of Christine's new book, The Faith to Flourish, which explores the profound spiritual symbolism of the olive tree. Together, they discuss how to move from a season of "languishing" to one of flourishing, drawing wisdom from the life of David and the resilience of the sacred olive trees in Athens.In this episode, you'll hear: The 60 at 60 Challenge: Christine's recent adventures in Alaska, including sleeping in an igloo and dog sledding, and why novelty is essential for a thriving brain The Sacred Olive Tree: The moment in Athens that shifted Christine's perspective on faith and endurance. Flourishing in the Cave: How David's words in Psalm 52:8 provide a roadmap for staying positive and fruitful even when life feels like a crisis. Overcoming Languish: Addressing the post-COVID mojo loss and how to reconnect with a rhythm of life that leads to spiritual health Patient Endurance: Why the slow growth of an olive tree is a beautiful picture of the long-term faithfulness God requires of us. Resources: Buy Christine's Book: The Faith to Flourish by Christine Caine Christine's Website: ChristineCaine.com Follow Christine on Instagram: @ChristineCaine Learn about A21: A21.org Join us November 19-20 for our Emotional Health Retreat in Franklin, TN. Register now and save $200 when you use the code EH200. Get The Fight for Us book and curriculum: The Fight For Us Take the THINQ Assessment: https://thinqassessment.scoreapp.com/ Create a free THINQ Account: Access more trusted content at thinqmedia.com More from the THINQ Podcast Network: UnderCurrent with Gabe Lyons: https://www.youtube.com/@gabe_lyons The InFormed Parent with Suzanne Phillips: https://www.youtube.com/@InFormedParent NextUp with Grant Skeldon: https://www.youtube.com/@GrantSkeldon NeuroFaith with Curt Thompson: https://podcasts.apple.com/us/podcast/neurofaith-with-curt-thompson-md/id1613240148 THINQ Podcast with Gabe Lyons: https://podcasts.apple.com/us/podcast/thinq-media-podcast/id1072608281

In our bonus interview, CPC attorney Emily Rae unpacks the new U.S. Department of Education report showing how state officials use lawsuits, funding, and threats to force school officials to violate federal law regarding parent notification. In other news: Alex Padilla has missed another chance to thank federal officers who didn't shoot him last June. Representative Lateefah Simon (D., Calif.) hates the Treaty of Guadalupe Hidalgo but won't leave California. L.A. Mayor Karen Bass threatens to punish property owners who welcome ICE agents. Republican gubernatorial candidates surge, Dems end their panicky convention with no clear endorsement. Music by Metalachi. Email Us:dbahnsen@thebahnsengroup.comwill@calpolicycenter.org Follow Us:@DavidBahnsen@WillSwaim@TheRadioFreeCA Show Notes: After State of the Union, Democrats say Trump did ‘what he does best: lie' The Padilla Incident and the Greater Peril H.Res.1056 - Calling for the annulment of the Monroe Doctrine and the development of a "New Good Neighbor" policy Mexican army kills ‘El Mencho,' Mexico's most-wanted drug kingpin LA Mayor Karen Bass announces plans to ban ICE from city properties Coalition rallies to defend Cypress Park day labor center amid disputed Home Depot eviction threat Newsom to Middle Class Whites: I'm Average Too Newsom Pardon Allows Illegal Immigrant to Remain in U.S. Despite Attempted Murder Conviction ‘I'm very worried': California Dems confront possibility of an all-GOP governor race L.A. County pushes to change law that opened floodgates for billions in sex abuse payouts LAUSD borrowing $250 million to settle sex abuse claims — on top of earlier half billion Despite climate effects, beaches grew 500 acres Emily Rae, California Justice Center, on U.S. Department of Ed report: Emily Rae bio U.S. Department of Education letter to California  Emily's amicus brief in Littlejohn Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

With President Trump marshaling the largest buildup of US military forces in the Middle East since the 2003 invasion of Iraq, the threat of an imminent conflict—or even a major war—between the US and Iran is ever present. TRNN Editor-in-Chief Maximillian Alvarez speaks with journalist Jeremy Scahill of DropSite news about where things stand now, the fragile state of this week's talks between the US and Iran, and all that hangs in the balance. Guest: Jeremy Scahill is an independent journalist, author and filmmaker. He is co-founder of the investigative news organization Drop Site News. Scahill is author of the international best-selling books Blackwater: The Rise of the World's Most Powerful Mercenary Army and Dirty Wars: The World is a Battlefield. His film, Dirty Wars, won widespread acclaim and was nominated for an Academy Award in 2013 for Best Documentary Feature.Additional links/info: Jeremy Scahill & Murtaza Hussain, DropSite News, “Iranian officials to Drop Site: Tehran is showing “unbelievable level of flexibility" in talks to prevent US war”Credits:Audio Post-Production: Alina NehlichBecome a supporter of this podcast: https://www.spreaker.com/podcast/the-real-news-podcast--2952221/support.Help us continue producing radically independent news and in-depth analysis by following us and becoming a monthly sustainer.Follow us on:Bluesky: @therealnews.comFacebook: The Real News NetworkTwitter: @TheRealNewsYouTube: @therealnewsInstagram: @therealnewsnetworkBecome a member and join the Supporters Club for The Real News Podcast today!

Participants: Richard Cochinos (Desk Strategy), FX StrategistAbbas Keshvani (Desk Strategy), Asia Macro StrategistDaria Parkhomenko (Desk Strategy), FX StrategistLuis Estrada (Desk Strategy), LATAM FX Strategist* Research Analyst opinions are their published views, independent of those expressed by Desk Analysts

Brady and Dave talk about the new Seahawks OC, Brian Fleury, and discuss how much of the Kubiak system will remain, they talk about whether the Seahawks should prioritize getting a deal with Devon Witherspoon and they wrap up the show by finding out what we learned today! 

It's been four years since Russia's invasion of Ukraine, setting in motion a war over territory and autonomy. Over 80,000 Ukrainians still remain in Ireland since 2022, including Ksenia Samotiy Irish Independent columnist who moved from Ukraine in March 2022. Ksenia spoke to Anton this morning.

On this episode of the PowettPlay Podcast, hosts Jordan Shannon and Kieran Powell break down the West Indies' commanding form in the latest major ICC cricket tournament. Fresh off a dominant and clinical victory over Zimbabwe, the hosts dive deep into what's fueling this West Indies resurgence. They shine a spotlight on the explosive batting of Shimron Hetmyer, whose power-hitting and composure under pressure have reignited memories of vintage Caribbean dominance. From fearless stroke play to smart game awareness, Hetmyer's innings is dissected as a statement performance on the global stage. But it's not just about the batting firepower. Jordan and Kieran also analyze the tactical discipline and execution of the West Indies bowling attack, highlighting how intelligent field placements, variation, and collective belief have transformed the team into a complete unit. The discussion explores how the backroom staff have fostered a high-performance environment built on clarity, trust, and accountability allowing senior players and emerging stars alike to perform with newfound maturity and confidence. With momentum building and team chemistry visibly stronger than ever, the conversation turns to semi-final ambitions. Are the West Indies peaking at exactly the right time? Can this balanced squad handle the pressure of knockout cricket? And are they now a genuine threat to traditional powerhouses like India national cricket team? This episode is packed with in-depth cricket analysis, tournament insights, West Indies cricket commentary, and expert breakdown from two voices deeply connected to the Caribbean game. If you're following the ICC tournament, tracking West Indies' road to the semi-finals, or looking for sharp cricket analysis and behind-the-scenes insight, this is an episode you don't want to miss. #Cricket #WestIndiesCricket #ItalyCricket #T20I #CricketPodcast #PowettPlay #CaribbeanCricket #KieranPowell #Windies #Cricbuzz #T20Series #WestIndiesvZimbabwe #WestIndiesCricket #T20Cricket #CricketAnalysis #CricketTalk #CricketFans #ZimbabweCricket #ZIMvWI #CricketPodcast #WindiesCricket #CricketTactics #sportspodcast #T20 #T20Cricket #WorldCup2026 #ICC #ICCWorldCup #ShimronHetmyer #RovmanPowell Learn more about your ad choices. Visit podcastchoices.com/adchoices

It's been four years since Russia's invasion of Ukraine, setting in motion a war over territory and autonomy. Over 80,000 Ukrainians still remain in Ireland since 2022, including Ksenia Samotiy Irish Independent columnist who moved from Ukraine in March 2022. Ksenia spoke to Anton this morning.

-We mentioned the Duke/Michigan game and also UCLA's win…how about Kansas getting smoked at home by an average Cincinnati team?Arizona wins at Houston…BYU beats No. 6 Iowa State by 10 points….lots of chaos to come-Also, not a great weekend for Husker baseball…that's why we should be thankful for the strong weekend in Arizona to start the yearOur Sponsors:* Check out BetterHelp: https://www.betterhelp.comAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

Remain in the Wide Openness Learn more about your ad choices. Visit megaphone.fm/adchoices

Empowered series | Wayne Bushnell Access notes on YouVersion: http://bible.com/events/49569183 Take a next step in your faith: https://www.northsidechristianchurch.net/decision 

This week on TrendsTalk, ITR Economist and Speaker Taylor St. Germain breaks down the latest labor market data and what it means for your workforce strategy in 2026. While employment growth is slowing, wage inflation remains elevated above historical norms, creating ongoing margin pressure for businesses. We examine industry specific wage trends, regional disparities, and why a role by role and state by state approach is critical in today's environment. As the economy positions for growth in 2026 and 2027, is now the time to act on hiring and compensation strategy?

Alex Kenna Interviews James Grippando - The Right to Remain by Authors on the Air Global Radio Network

Sam Farnsworth joined DJ live from Italy to put a cap on the Milan Cortine Winter Olympic Games and what he takes away from his experience covering the action.

Utah Mammoth radio voice Mike Folta joined DJ & PK to talk about the Mammoth's Olympic break and what to make of the stretch run of the NHL season.

A Clare Hotelier says the Government must take steps to reduce operating costs to ensure the industry can remain viable. The Irish Hotel's Federation is holding its 88th annual conference in Kilarney today, where members across the country are meeting to dicuss challenges facing the sector. A recent IHF survey shows that while room occupancy improved last year, 92% of hoteliers are concerned about the outlook for the global economy. Chair of the Shannon IHF Branch and Co-Owner of the Temple Gate and Shannon Springs Hotels Dermot Kelly has been telling Clare FM's Daragh Dolan that policies need to be introduced to reduce costs.

A Clare Hotelier says the Government must take steps to reduce operating costs to ensure the industry can remain viable. The Irish Hotel's Federation is holding its 88th annual conference in Kilarney today, where members across the country are meeting to discuss challenges facing the sector. A recent IHF survey shows that while room occupancy improved last year, 92% of hoteliers are concerned about the outlook for the global economy. Chair of the Shannon IHF Branch and Co-Owner of the Temple Gate and Shannon Springs Hotels Dermot Kelly has been telling Clare FM's Daragh Dolan that policies need to be introduced to reduce costs.

Alex Kenna Interviews James Grippando - The Right to Remain by Authors on the Air Global Radio Network

Welcome to another edition of the Monday review podcast, where this week review the final week of the NRL's pre-season games with Vegas just around the corner. Then we rip into the Super Rugby with the crusaders moving to 0/2 after getting smashed at home by the Brumbies, plenty to discuss there, as well as the Chiefs remaining unbeaten and the Brumbies and Waratahs topping the Super Rugby ladder.We also discuss the AFC pulling off a 5-0 hidingof their rivals in the Wellington Phoenix, the Breakers lads banking a juicy payday after beating Adelaide last night on the Gold Coast, and a T20 World Cup update with 2 upsets overnight.NRL, Super Rugby, 6 Nations, A-League, NBL and Cricket. Strap in. Cheers to the TAB & Michelob Ultra for getting around the podcast as always!

In this episode of the Black Girl Theology Podcast, I sit down with Yvette Henry - author of Release, Rest, Remain, co-host of How Married Are You?, and content creator - to talk about burnout, identity, loss, grief, therapy, and what it truly means to abide in Christ.Yvette shares her journey from school teacher to stay-at-home mom and homeschool parent, how grief exposed the "false vines" she was clinging to, and the transformative three-week silence and solitude retreat that reshaped her faith through John 15. Whether you're navigating a hard season, experiencing spiritual dryness, or simply learning how to rest in God, this episode will encourage you to release what you were never meant to carry.Connect with Yvette Henry:✨ Grab her new book, Release, Rest, Remain✨ Check out her website✨ Follow her on InstagramDate: February 20, 2026Podcast: Black Girl TheologyEpisode Title: S5E1: Yvette Henry on Burnout, Identity, and Abiding in ChristLet's Stay Connected!Follow Black Girl Theology on Instagram: https://instagram.com/blkgrltheologyEmail: washingtonashtyn@gmail.com Get full access to Grace and Glory with Ashtyn Washington at ashtynwashington.substack.com/subscribe

Gene Marks reports that despite a disappointing fourth-quarter GDP growth rate of 1.4 percent and sluggishness in shipping and chemical sectors, small businesses remain surprisingly resilient with optimism above average and continued hiring plans even as AI integration remains limited. 31949 STORK CLUB

Today is Friday, Feb. 20, 2026. The Brainerd Dispatch Minute is a product of Forum Communications Co. and is brought to you by reporters at the Brainerd Dispatch. Find more news throughout the day at BrainerdDispatch.com.

Hey BillOReilly.com Premium and Concierge Members, welcome to the No Spin News for Wednesday, February 18, 2026. Stand Up for Your Country.  Talking Points Memo: Bill examines the coverage of recent news stories from Rhode Island and Canada, arguing that the media is protecting certain groups. Which media outlets failed to mention Trump's post on Jesse Jackson's death. John O. McGinnis, author and law professor, joins the No Spin News to discuss income disparity in the U.S. and explains how wealthy Americans help the country instead of harming it. Bill looks at Iran's Supreme Leader's latest statement threatening to sink U.S. warships. The latest on Ukraine, will a negotiation between Russia and Ukraine ever happen? Final Thought: Ash Wednesday. Learn more about your ad choices. Visit megaphone.fm/adchoices

Monsoon season turns Vṛndāvana into a living poem — and Śrīmad Bhāgavatam uses that poem to deliver precision teaching on the inner life: how uncontrolled senses flood the mind, how devotional service makes a person genuinely luminous, and how steady yogic vision remains unshaken amid life's storms. The conversation also briefly revisits the ongoing discussion surrounding women initiating, touching on a timeless principle: institutions may regulate structure, but the awakening of devotion and the transmission of transcendental knowledge unfold according to subtler laws.

Monsoon season turns Vṛndāvana into a living poem — and Śrīmad Bhāgavatam uses that poem to deliver precision teaching on the inner life: how uncontrolled senses flood the mind, how devotional service makes a person genuinely luminous, and how steady yogic vision remains unshaken amid life's storms. The conversation also briefly revisits the ongoing discussion surrounding women initiating, touching on a timeless principle: institutions may regulate structure, but the awakening of devotion and the transmission of transcendental knowledge unfold according to subtler laws.

Description: In this episode, we dive deep into Tesla's long-promised Cybercab as production reportedly begins and Elon Musk claims a sub-$30,000 price tag could arrive this year. We examine conflicting narratives around Tesla's robotaxi progress, including sharp criticism of the program eight months in and fresh timeline promises. Tesla's software push continues with Grok-enabled navigation in Europe and a renewed FSD launch in China backed by a local data center. Meanwhile, Tesla faces mounting pressure overseas, with UK sales plunging as BYD surges ahead and broader EV market share slipping despite overall auto growth. Legacy automakers aren't sitting still either—Ford is lobbying for access to Chinese EV tech, while BYD and Geely eye major North American production capacity. We also cover Polestar's aggressive expansion plans, Cruise's admission over a false pedestrian report, and the evolving EV policy and infrastructure conversation in Manitoba. Support the Show Support Kilowatt Other Podcasts: Beyond the Post YouTube Beyond the Post Podcast Shuffle Playlist 918Digital Website News Links: Manitoba EV Policy & Infrastructure Future of Electric Vehicle Sales Targets and Infrastructure in Manitoba (CBC Audio) Manitobans Welcome EV Rebates, but Fear Infrastructure Still Lacking Manitoba EV Fans Charged Up by Federal Strategy Tesla Cybercab & Robotaxi Developments Elon Musk Says Tesla Will Sell Cybercab to Customers for $30,000 or Less This Year Tesla's $30,000 Cybercab Begins Production With No Steering Wheel Tesla Begins Cybercab Production. Now Comes The Hard Part Elon Musk Doubles Down on Tesla Cybercab Timeline Once Again Tesla ‘Robotaxi' Status Check 8 Months In: A Complete Joke Tesla Software & Global Strategy Tesla to Re-Launch FSD in China With Local Data Center Tesla Launches Grok With Nav Commands in Europe Tesla UK Sales Plunge 57% in January as BYD Races Ahead New Car Market Starts Year With Growth but EV Share Falls – SMMT Competition & Industry Shifts BYD, Geely Bid for 230,000-Unit Nissan-Mercedes Mexico Plant in North American Push Ford Asks Trump Administration to Allow Chinese EV Tech in the US Polestar Goes Offensive With Four New Models in Three Years Autonomous & Policy News Cruise Admits to False Report in 2023 Dragging of San Francisco Pedestrian Show Art Created By Dall-E Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

The Smart 7 is an award winning daily podcast, in association with METRO, that gives you everything you need to know in 7 minutes, at 7am, 7 days a week…With over 20 million downloads and consistently charting, including as No. 1 News Podcast on Spotify, we're a trusted source for people every day and we've won Gold at the Signal International Podcast awardsIf you're enjoying it, please follow, share, or even post a review, it all helps... Today's episode includes the following:https://x.com/i/status/2024087968567243263https://x.com/i/status/2024068525652914574 https://x.com/i/status/2024082909733220734 https://x.com/i/status/2024089919107575891 https://x.com/i/status/2024064622043512977 https://x.com/i/status/2024115433821937677 https://x.com/i/status/2024211765681136116 https://x.com/i/status/2024121725101985827 https://youtu.be/TKEPv8FBeSw Contact us over @TheSmart7pod or visit www.thesmart7.com or find out more at www.metro.co.uk Voiced by Jamie East, using AI, written by Liam Thompson, researched by Lucie Lewis and produced by Daft Doris. Hosted on Acast. See acast.com/privacy for more information.

Alejandro Peña Esclusa discusses the reported capture of Nicolás Maduro, described as a Cuban asset and drug cartel leader, noting Venezuelans are cautiously celebrating with open protests while threats remain from radical groups and international friction regarding the transition.1900 PRESIDENT CIPRIANO CASTRO AND CABINET

Did you know you have been chosen by God? There is a place for all of us on God's team. God has a place for you. It's the right fit, the right opportunity, and the right assignment. God has place for you where you will thrive, a place that fits your gifting, your passions, and your calling. You have been chosen.Main Points:1. In the sovereignty of God, he prepared us for this moment in our lives. Not only has He given us opportunity, but he has equipped us through our various kinds of training. He has given us experiences that would give us the necessary knowledge and understanding. He has place mentors in our lives that will help shape our character. He has placed within you spiritual gifts. He has given you aptitudes, talents, and skills. You are right where God wants you to be. Why? Because He has chosen and appoint you.2. Why did God select us? We feel so unworthy. We often feel unqualified. Surely, God could have found someone else who is more capable and more proficient.3. Yet, God is not looking for the most talented, the most qualified, the most educated. He does not select on the criteria that men do. God is looking at the heart. Do you have a heart after me? Will you follow me? Will you serve for my glory? Will your ambition be the glory of God?Today's Scripture Verses:John 15:16 - “You did not choose me, but I chose you and appointed you so that you might go and bear fruit—fruit that will last—and so that whatever you ask in my name the Father will give you.”John 15:4 - “Remain in me, as I also remain in you. No branch can bear fruit by itself; it must remain in the vine. Neither can you bear fruit unless you remain in me.” John 15:5 - “If you remain in me and I in you, you will bear much fruit; apart from me you can do nothing.”Quick Links:Donate to support this podcastLeave a review on Apple PodcastsGet a copy of The 5 Minute Discipleship JournalConnect on SocialJoin The 5 Minute Discipleship Facebook Group

2 John 1-13 | Remain In the Truth_02.15.26 by Calvary Chapel Lynchburg

Several Wairarapa coastal settlements are still cut off, after a single lane bridge was washed away during this week's widespread flooding. Rural Support Trust coordinator, Sarah Donaldson, has been working alongside emergency response teams and spoke to Ingrid Hipkiss.

Download our Mobile App! ⁠⁠⁠iOS⁠⁠⁠ | ⁠⁠⁠Android⁠⁠⁠ --- Shafts of sunlight piercing the depths of this underwater cavern create undulating shadows that entice you to dive deeper. The warm water is punctuated by myriads of tiny bubbles rising to the surface. Time moves slowly here, unhurried, languid. Remain as long as you wish. You are always welcome. ---

Read OnlineThe disciples had forgotten to bring bread, and they had only one loaf with them in the boat. Jesus enjoined them, “Watch out, guard against the leaven of the Pharisees and the leaven of Herod.” Mark 8:14–15Jesus and the disciples frequently traveled by boat, visiting many towns and villages along the Sea of Galilee. After a fruitful visit to the Gentile territory of the Decapolis, Jesus and His disciples crossed to Dalmanutha. Upon disembarking, some Pharisees, who had likely heard of His miraculous feeding of the 4,000, demanded a sign from Him. Jesus, deeply grieved by their lack of faith, sighed from the depths of His spirit, refused their request, and departed again by boat. It was during this boat ride that today's Gospel took place.Jesus' holy sorrow over the Pharisees' hardness of heart deeply affected Him. His grief was not one of self-pity over their rejection of Him but stemmed from His divine compassion. He felt the weight of their lack of faith and their refusal to embrace the truth of God's love. It was this profound sorrow that prompted Jesus to caution His disciples, saying, “Watch out, guard against the leaven of the Pharisees and the leaven of Herod.”“Leaven,” in this context, symbolizes a hidden yet pervasive influence that governed both the Pharisees and Herod. Just as a small amount of yeast permeates an entire batch of dough, causing it to rise, so too the destructive influence of the Pharisees and Herod spread through their actions and teachings, corrupting others. With His sorrowful encounter with the Pharisees fresh in mind, Jesus used the moment to warn His disciples not to allow such corrupting influences to take root in their own hearts.The Pharisees' hidden, pervasive, and destructive quality lay in their excessive focus on external observances of the Law and the traditions derived from it. Their rigid legalism blinded them to the true meaning of God's Law—mercy and the inner disposition of the heart—leading to their own spiritual ruin and to the misleading of others.Herod's “leaven” likely refers to a worldly mindset characterized by a relentless pursuit of power, wealth, and pleasure. Herod chose the fleeting allure of worldly things over God's eternal truths. Herod's pride and destructive behavior epitomize this mindset, which ultimately led him to have John the Baptist executed for courageously speaking the truth about Herod's adulterous relationship with his brother's wife, Herodias.Jesus' admonition to His disciples on the boat is not only a condemnation of the Pharisees' and Herod's sins but a warning about the influence such pervasive sins can have on them. Likewise, just as Jesus cautioned His disciples, so too does He caution us today: “Watch out” and “guard against” the influences that do not arise from God's saving Truth. In our world, it is essential to recognize how pervasive societal ideologies and moralities can subtly shape our thoughts and actions. By remaining vigilant and rooted in Christ, we must discern and reject the leaven of worldliness, hypocrisy, and pride, allowing God's divine light to guide our lives.Reflect today on the influences that shape your life. Do you spend countless hours on social media, browsing the Internet, or watching television? If so, take a moment to consider the hidden yet pervasive effects of the content you consume and discern if it is subtly leading you astray. The only true remedy against such worldly influences is found in prayer and the Word of God. The Gospel must permeate our minds and hearts, acting as leaven to transform us from within. This divine leaven is nourished through prayer, the Sacraments, and an ongoing commitment to the Gospel. Heed Jesus' warning, spoken to His disciples but intended for every generation: Remain vigilant. Guard your heart and mind, ensuring they are firmly rooted in God's saving grace. My grieving Lord, Your heart was filled with holy sorrow over the sins of the Pharisees and Herod, especially as You witnessed the harmful influence they had on others. Please grant me the gift of spiritual insight, so that I may recognize the influences that shape my thoughts and actions. May Your Word and Your Truth alone guide me, and may I become a witness to that Truth, serving as a holy influence for others. Jesus, I trust in You.Image: James Tissot, Public domain, via Wikimedia CommonsSource: Free RSS feed from catholic-daily-reflections.com — Copyright © 2026 My Catholic Life! Inc. All rights reserved. This content is provided solely for personal, non-commercial use. Redistribution, republication, or commercial use — including use within apps with advertising — is strictly prohibited without written permission.

When life feels unsteady, many of us respond by holding tighter, trying harder, and carrying more than we were meant to bear. But Jesus offers a different way. In this episode, Gem Fadling is joined by Yvette Henry, writer, speaker, and author of Release, Rest, Remain, for a thoughtful conversation about learning to let go, trust God, and stay rooted in his presence when life feels overwhelming. Drawing from Jesus’ words in John 15, this conversation explores what it means to release the pressure to hold everything together, rest in God’s love, and remain spiritually grounded in the middle of real life. Together, they reflect on spiritual exhaustion, the invitation to abide rather than strive, and how spiritual fruit grows naturally when we stay connected to God. This episode is for anyone longing for peace, stability, and a deeper sense of trust when life feels uncertain. *** Yvette is a dynamic writer, speaker, social media influencer, and mom to four children. Alongside her husband, Glen, she co-hosts the hit podcast How Married Are You?! and a thriving YouTube channel that has more than a million followers. She uses her platform to connect and encourage women through honest conversations about lifeʼs challenges. Yvette has released a book entitled, Release, Rest, Remain, a thirty-day journey for busy women who are longing for peace and joy in the middle of life’s chaos. Rooted in Jesus’ words from John 15, this book gently calls us away from striving and back into abiding, learning how to release what we were never meant to carry, rest in God’s presence, and remain grounded in His love. ______________________________________________________ Connect with Gem on Instagram and learn more on the Unhurried Living website and her new book, Hold That Thought: Sorting Through the Voices in Our Heads Learn about PACE: Certificate in Leadership and Soul Care Discover more Christian podcasts at lifeaudio.com and inquire about advertising opportunities at lifeaudio.com/contact-us.

4 More Disappearances That Still Remain UnsolvedBecome a supporter of this podcast: https://www.spreaker.com/podcast/missing-persons-mysteries--5624803/support.

Communities in South Wairarapa remain cut off this morning, after torrential rain and galeforce winds downed trees, cut power to thousands, and closed roads across the North Island. South Wairarapa mayor Fran Wilde spoke to Corin Dann.

Kari Berit joins host Ron Aaron and co-host Carol Zernail to talk about how to remain S.A.N.E. as a caregiver on this edition of Caregiver SOS.

What if your problems aren't crushing you but growing you? In this message, Lead Pastor Jamie Nunnally teaches us how to face suffering as he shares about Jesus's letter to the church in Smyrna.Smyrna had been destroyed in 600 BC and rebuilt by Alexander the Great around 300 BC. When this letter was written, Smyrna was the center of emperor worship in Asia Minor. Christians were seen as suspicious, unpatriotic, and disruptive because they refused to join civic rituals. Persecution wasn't occasional—it was daily life. Believers faced exclusion, job loss, harassment, slander, and even death.Revelation 2:8–9 (NLT)Suffering (thlipsis) means "affliction, tribulation, persecution"—literally, "crushing pressure." Jesus says, "I know your poverty"—extreme poverty in a rich city, caused by persecution.One of Smyrna's main exports was myrrh, a fragrant oil made by crushing the myrrh tree. In the same way, Christians were being crushed by persecution and poverty.Citizens were expected to burn incense before Caesar's image and say, "Caesar is Lord." Jesus also mentions a group claiming to be Jews who were actively persecuting Christians.Revelation 2:10 (NLT)"Ten" symbolizes completeness—their suffering would be limited and measured. Jesus promises a "crown of life": be faithful unto death and receive the reward.Revelation 2:11; 20:14–15The second death—the Lake of Fire—is the final judgment for the devil, demons, and those who reject Jesus. Christians die once and live twice. Unbelievers live once and die twice.What does this mean for us?1. God sees your suffering.We all face "thlipsis"—crushing pressure. Suffering isn't a sign of God's absence but the promise of His nearness.2 Corinthians 4:17–18 reminds us our present troubles are small and temporary, producing eternal glory. If you navigate suffering with God, temporary pain becomes eternal reward.2. Don't measure spiritual success by worldly wealth.Jesus called Smyrna "rich." Heaven measures wealth differently.Luke 12:15—life isn't measured by what you own.1 Timothy 6:18–19—be rich in good works.The world counts possessions; Heaven counts faithfulness.3. Sometimes idolatry isn't a god, but a government.Smyrna's temptation was emperor worship. Christians should be informed and involved, but the political process isn't the world's savior. Make political opinions subject to God's Word.4. Real faith leads to resolute faithfulness.Talent gets applause; faithfulness gets a crown (1 Peter 1:7).Faith that only works when life works isn't real faith.When suffering comes, it may not stop immediately. But God fills you with His love, peace, joy, and presence. What was meant to destroy you loses its power to define you.John 16:33—In this world you will have trials, but take heart; Jesus has overcome the world.Jesus is the solution to your suffering. He is faithful to you. Remain faithful to Him, and you will receive the crown of life.Will you be faithful like the believers in Smyrna?

AP correspondent Julie Walker reports President Trump's border czar says a 'small' security force will remain in Minnesota.

Leila Rahimi and Marshall Harris pondered whether the Raiders will trade star pass rusher Maxx Crosby this offseason.

This podcast episode provides a comprehensive overview of the current meteorological conditions affecting various regions across the United States, emphasizing a marginal risk for severe thunderstorms in the Southern Plains. We meticulously detail the potential for isolated hail and gusty winds, particularly during the evening and overnight hours. Moreover, the episode highlights the risk of excessive rainfall, which may lead to broader flooding threats extending eastward over the weekend. We also caution listeners about hazardous conditions, including low water crossings along the California and Oregon coasts, as well as significant beach hazards characterized by powerful rip currents and sneaker waves. Conclusively, we urge our audience to remain vigilant and prioritize safety as we navigate these adverse weather conditions.Takeaways:* The Storm Prediction Center has issued a marginal risk for severe thunderstorms in the Southern Plains today.* Isolated hail and gusty winds are anticipated this evening and overnight in affected regions.* A broader threat of heavy rain and flooding is expected to expand eastward over the weekend.* Hazardous conditions may arise at low water crossings along the California and Oregon coasts this weekend.* Beach hazards are in effect due to sneaker waves and strong rip currents on northwest facing beaches.* A notable earthquake occurred near Ivanoff Bay, Alaska, but no tsunami alert was issued.Sources[USGS | https://earthquake.usgs.gov/earthquakes/map/?extent=-89.50704%2C-547.03125&extent=89.50096%2C577.96875&listOnlyShown=true&timeZone=utc][NWS SF Bay Area | https://www.weather.gov/mtr/][NWS Los Angeles/Oxnard | https://www.weather.gov/lox/][NWS Tampa Bay | https://www.weather.gov/tbw/][NWS Melbourne | https://www.weather.gov/mlb/][USGS Event Page | https://earthquake.usgs.gov/earthquakes/eventpage/us6000s8ml/executive][SPC | https://forecast.weather.gov/product.php?format=txt&issuedby=DY1&product=SWO&site=JKL&version=1][NWS Portland | https://www.weather.gov/pqr/][NWS Houston/Galveston | https://www.weather.gov/hgx/][SPC Day 1 Outlook | https://forecast.weather.gov/product.php?format=txt&issuedby=DY1&product=SWO&site=JKL&version=1] This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit emnetwork.substack.com/subscribe

Yerbol Orynbayev, former governor of the World Bank, digs into the latest CPI report and the U.S. economy. He calls the report “good news” but says inflation and tariff risks remain. Reshoring manufacturing also boosts costs, which can lead to higher prices, he notes. “Stay alert and see how things play out,” he says. The fall in energy prices was the highlight of the report, he argues. Yerbol covers the potential for Fed rate cuts this year under Fed Chair nominee Kevin Warsh. ======== Schwab Network ========Empowering every investor and trader, every market day.Options involve risks and are not suitable for all investors. Before trading, read the Options Disclosure Document. http://bit.ly/2v9tH6DSubscribe to the Market Minute newsletter - https://schwabnetwork.com/subscribeDownload the iOS app - https://apps.apple.com/us/app/schwab-network/id1460719185Download the Amazon Fire Tv App - https://www.amazon.com/TD-Ameritrade-Network/dp/B07KRD76C7Watch on Sling - https://watch.sling.com/1/asset/191928615bd8d47686f94682aefaa007/watchWatch on Vizio - https://www.vizio.com/en/watchfreeplus-exploreWatch on DistroTV - https://www.distro.tv/live/schwab-network/Follow us on X – https://twitter.com/schwabnetworkFollow us on Facebook – https://www.facebook.com/schwabnetworkFollow us on LinkedIn - https://www.linkedin.com/company/schwab-network/About Schwab Network - https://schwabnetwork.com/about

This hour, Steve Geller talks to Glen West, a senior writer at Geaux247.com, about the defending champion LSU baseball team opening their season Friday by hosting Milwaukee. Then we hear from LSU Baseball Head Coach Jay Johnson, who shares his thoughts about the season opener. Also, the New England Patriots' left tackle opens up about his lackluster performance at Super Bowl LX.

Guest: Conrad Black. Black criticizes Mark Carney's anti-American rhetoric, arguing that Canada's economy relies on the US, while domestic issues like housing shortages remain unaddressed.1904 GREENLAND

Spotify Hits Record User and Profitability Milestones, Driven by “Wrapped” and New Co-CEOs, Bipartisan CLEAR Act Requires AI Companies to Disclose Copyrighted Training Data, and Paramount Sweetens Warner Bros. Discovery Bid to Counter Netflix Offer. MP3 Please SUBSCRIBE HERE for free or get DTNS Live ad-free. A special thanks to all our supporters–without you, noneContinue reading "ChatGPT Tests Ads for Free and Go Users, Higher Tiers Remain Ad-Free – DTH"

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