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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  

We are live from Mardi Gras Apparel Superstore in Harvey where Roger is SLASHING prices on Mardi Gras apparel you can't find anywhere else.. somewhere in the madness we also manage to have a broadcast

Our guest this week is Kevin Damoa, founder and CEO of Glīd Technologies. Damoa discusses Glīd, the world's first autonomous road-to-rail solution, which addresses the problem of ensuring accessibility to both road and rail corridors. Glīd autonomous vehicles pick up fully loaded semi-trailers from the port or road, and then transfer directly to rail. The conversation with Damoa highlights the commercial start of Glīd, driven by the need for quick revenue generation. He also mentions the challenge of securing capital for a robotics startup. Learn more about Glid: https://www.glidtech.us/ ### – SPONSOR – Download the 2026 State of the Robotics Industry Report: https://www.therobotreport.com/state-of-robotics-industry-report-2026/

Coffee with EGX boss. More changes to VAT? Slashing arrears. NowPay lands in Saudi. Morning Drive is your daily download of the essential headlines shaping Egypt. From business policy and finance to the latest in tech, all in under 10 minutes. Hosted by ‘Synthetic Salma’ — an AI-powered version of our own Executive Editor Salma El-Saeed. We’d love to hear from you! Click here if you'd like to fill out our annual readers' poll. Further reading: EGX boss on who will IPO next You can read the full newsletter on the website. Morning Drive is brought to you by: Madinet Masr GRANITE Financial Holding Bonyan for Real Estate Investments Learn more about how you can advertise with EnterpriseAM by emailing Moustafa Taalab mtaalab@enterprisemea.com And check out our other show Making It, where we speak to CEOs and entrepreneurs about building a great business in the region: https://omny.fm/shows/making-it See omnystudio.com/listener for privacy information.

On today's show: Stephen Miller's stunning claim the U.S. is “in charge” of Venezuela, Trump's oil extortion tactics, U.S. blockade, and the administration's cruel cuts to federal childcare funds for working families.Subscribe to our Newsletter:https://politicsdoneright.com/newsletterPurchase our Books: As I See It: https://amzn.to/3XpvW5o How To Make AmericaUtopia: https://amzn.to/3VKVFnG It's Worth It: https://amzn.to/3VFByXP Lose Weight And BeFit Now: https://amzn.to/3xiQK3K Tribulations of anAfro-Latino Caribbean man: https://amzn.to/4c09rbE

Thank you Cheryl Elkins

Mike Switzer interviews Ari Goodstein, CEO of LawLens in Summerville, SC.

 Ministry of Justice figures show the specialist addictions court is improving re-offending outcomes at rates far higher than the prison-based initiatives.

Are the Yankees looking to get their payroll under $300 million? Plus, Mike McCarthy speaks about Jaxson Dart and we talk quarterbacks with Rich Cimini. Learn more about your ad choices. Visit podcastchoices.com/adchoices

Gen Z doesn't have a lot of money for Christmas presents, so they're getting... creative with their gifting. So lets talk about the economy, Gen Z and holiday spending.Watch this podcast episode on YouTube and all major podcast hosts including Spotify.CLOWNFISH TV is an independent, opinionated news and commentary podcast that covers Entertainment and Tech from a consumer's point of view. We talk about Gaming, Comics, Anime, TV, Movies, Animation and more. Hosted by Kneon and Geeky Sparkles.D/REZZED News covers Pixels, Pop Culture, and the Paranormal! We're an independent, opinionated entertainment news blog covering Video Games, Tech, Comics, Movies, Anime, High Strangeness, and more. As part of Clownfish TV, we strive to be balanced, based, and apolitical. Get more news, views and reviews on Clownfish TV News - https://more.clownfishtv.com/On YouTube - https://www.youtube.com/c/ClownfishTVOn Spotify - https://open.spotify.com/show/4Tu83D1NcCmh7K1zHIedvgOn Apple Podcasts - https://podcasts.apple.com/us/podcast/clownfish-tv-audio-edition/id1726838629

Butler University named Michael Hole as its next executive vice president and provost Thursday. Indiana State Police say they are investigating multiple swatting incidents against members of the Indiana General Assembly. A new initiative aims to give the public more data on the actions of Indianapolis police and crime in the city. Indiana slashed funding for child care for low-income families over the last year after federal pandemic aid ran out. Want to go deeper on the stories you hear on WFYI News Now? Visit wfyi.org/news and follow us on social media to get comprehensive analysis and local news daily. Subscribe to WFYI News Now wherever you get your podcasts. WFYI News Now is produced by Zach Bundy and Abriana Herron, with support from News Director Sarah Neal-Estes.

How local homeless service providers are preparing for a sharp reduction in federal funding for permanent housing. And, Santa Cruz County takes a baby step toward regulating new battery energy storage facilities.

Flight schedules have returned to normal. AP correspondent Mike Hempen reports.

#EP317 The solar industry faces a defining moment in Q4 2025. While regulatory challenges create uncertainty, well-capitalized players treat this period as a buying opportunity. Daniel Dus, CEO and founder of Cleantech Industry Resources (CIR), breaks down the market dynamics and explains how his company's global expertise positions it to thrive during industry consolidation.Daniel Dus founded CIR to provide development, construction, and operations services for solar and battery storage projects. His team of 140 professionals across three offices in India and the United States brings proven experience from building some of the world's largest solar installations, including work with Adani Green Energy as it scaled from startup to 16 gigawatts in operation.Key Discussion Points:The current solar market has split into thirds: one-third undercapitalized and struggling, one-third in wait-and-see mode, and one-third aggressively acquiring projects with strong capital backing - creating opportunities for companies like CIR that can execute complex transactions.CIR serves 150 clients across the solar value chain, providing everything from interconnection studies and permit-ready planset packages to full EPC services, with particular expertise in rescuing distressed projects and navigating complex utility requirements.CIR's competitive advantage comes from its India-based technical teams, who have worked on massive international projects, bringing world-class expertise at competitive rates to US developers who struggle with margin compression.Solar Fight Night, Dus's passion project since 2008, has raised nearly $2 million for clean energy nonprofits through 24+ events. The 2025 event at Las Vegas's Zouk Nightclub drew over 3,300 attendees, the largest crowd in the event's history.Tim Montague is an affiliate of CIR and welcomes developers and EPCs to contact him for more information about working with CIR. [Book here: https://calendly.com/tim-montague/30min]Connect with Daniel Dus, CIR LinkedIn: www.linkedin.com/in/danielrdusWebsite: cleantechindustryresources.comSolar Fight Night: www.solarfightnight.org/ Support the showConnect with Tim Clean Power Hour Clean Power Hour on YouTubeTim on TwitterTim on LinkedIn Email tim@cleanpowerhour.com Review Clean Power Hour on Apple PodcastsThe Clean Power Hour is produced by the Clean Power Consulting Group and created by Tim Montague. Contact us by email: CleanPowerHour@gmail.com Corporate sponsors who share our mission to speed the energy transition are invited to check out https://www.cleanpowerhour.com/support/The Clean Power Hour is brought to you by CPS America, maker of North America's number one 3-phase string inverter, with over 6GW shipped in the US. With a focus on commercial and utility-scale solar and energy storage, the company partners with customers to provide unparalleled performance and service. The CPS America product lineup includes 3-phase string inverters from 25kW to 275kW, exceptional data communication and controls, and energy storage solutions designed for seamless integration with CPS America systems. Learn more at www.chintpowersystems.com

Your Black Friday and Cyber Monday Playbook: How Apparel Brands Can Win Without Slashing Prices BFCM (Black Friday Cyber Monday) doesn't have to mean burning your margins or chasing discount chaos. This episode of The Business of Apparel gives you a smarter, more profitable path. Today, Rachel talks about creating a sustainable, profitable strategy for Black Friday and Cyber Monday. Whether you're stocked and ready or still catching up, this playbook is your essential guide, ranging from inventory planning to messaging, email workflows, gift guides, and post-sale engagement strategies. We also cover what to do if you're choosing not to participate in BFCM and how to own that narrative with integrity and positivity. This isn't about doing what everyone else is doing. It's about doing what works for your brand. In this episode, you'll hear: - BFCM logistics & inventory planning - Alternatives to deep discounting - Crafting intentional messaging & policies - Email marketing and automation ideas - Gift guides, style guides, and bundling - Planning now for next year's success - Navigating BFCM if you opt out   Sign up for the Secrets Behind Billion Dollar Apparel Brands Masterclass here: https://www.thebusinessofapparel.com/secrets Join The Board here: https://www.thebusinessofapparel.com/the-board We can't wait to hear what you think of this episode! Purchase the Business of Apparel Online Course: https://www.thebusinessofapparel.com/course To connect with Rachel, you can join her LinkedIn community here: LinkedIn. To visit her website, go to: www.unmarkedstreet.com.   

“Do you believe in climate change?” is the wrong question. On this episode of The Difference Makers Podcast, Dr. Joseph Ramos sits down with veteran Denver meteorologist Marty Coniglio to reframe the conversation around data, not belief and to dig into how weather, climate, aviation, and the legal system intersect.In this episode:- Why “belief” doesn't belong in physical science—only data- Forecasting then vs. now: supercomputers, models, and what still trips them up- AI in weather: powerful aggregator, not an oracle- NOAA vs. AMS (what they do, why funding and observations matter)- Weather and aviation: pilot decision-making, accidents, and expert testimony- The December 15, 2021 wind event, dust storms, wildfires & liability- Marty's journey: TV career, immigrant family roots, and life after broadcastPodcast Chapters:00:00:31 Introduction to Marty Coniglio00:00:48 35 Years on Denver Television 00:02:16 A Man of Many Talents: Scientist, Musician, & Pilot 00:03:29 Upbringing in Nebraska 00:05:33 The Immigrant Legacy: Why Education Was Non-Negotiable 00:08:06 A Drastic Career Change: From Psychology to Meteorology 00:10:41 The Appeal of Hard Science: "You Can't Fool Mother Nature" 00:11:48 Life After TV: Becoming an Expert Legal Witness 00:12:14 The First Case: A 1995 Hot Air Balloon Crash 00:13:31 What Does a "WXPERT" Do? (Slips, Crashes, & Wildfires) 00:16:35 The Historic December 2021 Derecho Wind Event 00:19:02 The "Wrong 50% of the Time" Joke 00:19:36 How Did Weather Forecasting Actually Get So Good? 00:20:14 The D-Day Forecast: One of the Greatest of All Time 00:23:58 A Fatal Example: When Budget Cuts Turn Deadly 00:25:32 Will AI Replace Meteorologists? 00:30:41 Are Emmys for Accuracy or Presentation? 00:31:16 Explaining the System: AMS vs. NOAA 00:35:20 The Dangers of Slashing the NOAA Budget 00:39:31 "Do You Believe in Climate Change?" is the Wrong Question 00:41:44 Does He Still Check the Weather Every Day? 00:43:13 Enjoying the Transition from TV to the Home Office 00:44:00 "I Don't Care Who Wins": The Ethics of an Expert Witness 00:45:33 "Pigs Can Fly in Court": When the Jury Gets it Wrong 00:50:31 The Hard Truth About Slip & Fall Cases 00:52:03 Conclusion Ramos Law — Law firm serving clients nationwide in Personal Injury, Consumer Protection, and Aviation Law.If you've been injured in an auto accident, slip and fall, are dealing with credit report errors/mixed files, debt collection issues, or need aviation attorneys for pilot medicals, certificate defense, or aviation accidents—contact us for a free consultation. No fees unless we win.

Every year the President of the United States determines how many refugees can enter this country. The law says he must consult Congress on this number. But last week President Trump announced just 7,500 refugees would be admitted in the coming fiscal year – a 94% cut from the 125,000 cap set by President Joe Biden.Sharif Aly leads the International Refugee Assistance Project - an organization that helps refugees and other immigrants navigate the legal process of resettlement. The International Refugee Assistance Project is also challenging Trump's suspension of the U.S. Refugee Admissions Program. Aly joined Consider This host Juana Summers to discuss how this historic drop means for the US refugee resettlement system.For sponsor-free episodes of Consider This, sign up for Consider This+ via Apple Podcasts or at plus.npr.org. Email us at considerthis@npr.org.This episode was produced by Jonaki Mehta, Connor Donevan and Karen Zamora, with audio engineering by Becky Brown and Simon-Laslo Janssen. It was edited by Courtney Dorning. Our executive producer is Sami Yenigun.Learn more about sponsor message choices: podcastchoices.com/adchoicesNPR Privacy Policy

Halloween is a wrap, until next year! Big plans for 2026. Join our conversation on the No shave November and the Movember movement. We also discuss the marketing strategies of the big box stores on their Halloween décor, this we will look into.

Host Tara Jabbari talks with Michael Kennedy, one of the screenwriters and executive producers of the rom-com slasher horror film, Heart Eyes. Released a week before Valentine's Day in February 2025, Heart Eyes - directed by Josh Ruben and starring Olivia Holt and Mason Gooding - was met with positive reviews and grossed nearly $30 million in its first month. In their conversation, Tara and Michael discuss his experience writing solo versus with a writing partner. They talk about how each department on Heart Eyes incorporated various tropes, homages, and much more. In time for the Halloween season, Heart Eyes is now available to stream on various platforms, including Netflix. Watch the trailer here: https://www.youtube.com/watch?v=1cRzZcMlJh8Support the show---Subscribe to learn more about filmmaking, production, media makers, creator resources, visual storytelling, and every aspect that brings film, television, and video projects from concepts to our screens. Check out the MediaMakerSpotlight.com show page to find even more conversations with industry professionals that inspire, educate, and entertain!We on the Women in Film & Video (WIFV) Podcast Team work hard to make this show a great resource for our listeners, and we thank you for listening!

This is the afternoon All-Local update on Saturday, Oct. 25.

In many cases, the market charges nearly triple what others do, a discrepancy that has put President Trump on the warpath. In this Viewsroom podcast, Breakingviews columnists discuss how Americans subsidize novel treatments and how tricky it will be to spread the burden. Visit the Thomson Reuters Privacy Statement for information on our privacy and data protection practices. You may also visit megaphone.fm/adchoices to opt-out of targeted advertising. Learn more about your ad choices. Visit megaphone.fm/adchoices

This week Duane and Elliott discuss some of the local racing from Kokomo and Montpelier Motor Speedway as well as national results. We also talk about the new trend of the bigger teams slashing used tires preventing smaller teams from using them. We also discuss the huge turnout for West Virginia Motor Speedway's re-opening which saw 232 cars show up.

Kerry IFA chair Jason Fleming spoke to Jerry about supermarkets reducing their own brand milk.

More than two decades ago, Ireland radically cut corporate taxes and produced an "economic miracle." Now some say Canada should look to the Emerald Isle and perform a miracle of its own. We find out why some people are learning to love Canadian Gamays and Pinot Noirs. And could a proposed takeover of Teck, one of our last mining giants, be a test of the country's newfound economic nationalism?

SSV validators experienced a slashing event. Polygon PoS experiences a finality delay, Kiln Finance exits its Ethereum validators. And Ethena expands sUSDe. Read more: https://ethdaily.io/780 Disclaimer: Content is for informational purposes only, not endorsement or investment advice. The accuracy of information is not guaranteed.

Feds Swarming in NYC, Epstein Epstein Epstein, 13 Year Old Wannabe Mass Shooter, Venezuela, Poland, and Qatar are Pissed!, Book ‘em Kamala, RIP Polly Holliday and, of course, more.

In late May of 2010, a young construction worker at a playground in Kallang was chatting with some family members on the phone when he would get viciously ambushed, slashed, and left for dead. Shortly after, another man was walking home along the MRT tracks near Kallang MRT when he was similarly attacked and slashed. By the time daylight broke, 3 had been seriously wounded, and another perished from his injuries. Nearby residents were put on high alert, all wondering when the madness of the Kallang Slashings would stop. Part 1 - We follow the gruesome events as it happened on that fateful evening in late May of 2010, tracing the path of the perpetrators, and the heinous crimes that they committed. Part 2 - We join the investigation as they track down the criminals, eventually figuring out their motive, and their punishments. Join your fellow Heinous fans and interact with the team at our website or through our socials (IG, TikTok) @heinous_1upmedia. - Love Heinous? But feel its getting too dark for you? Check out:

In this episode, we're joined by James Dean, the creative mind behind indie horror projects like XXXMas, Absolution, and more. We dive into his journey in film, the raw realities of indie filmmaking, and what it takes to carve out original stories in a genre overflowing with classics. From balancing vision with resources to pushing boundaries with bold storytelling, James shares his experiences and the passion that drives his work.At Monster Kid Productions, the mission is to deliver high-quality original content that both honors their horror influences and fearlessly pushes the genre forward. They're a boundary-breaking distribution and production company built on practical FX, buckets of gore, and the kind of movies your mom definitely didn't want you renting from the video store.This conversation is for every horror fan who believes indie film is where the real blood flows.

This is the 4PM All-Local update on Sunday, Sept. 7.

Too many hosts believe that lowering their nightly rate will magically generate bookings. The truth? Dropping your price doesn't create demand—it only leaves money on the table. In this episode, Sarah and Annette break down why cutting rates doesn't work, what demand actually is, and the smarter levers you can pull to increase bookings and profitability.You'll learn:Why lowering your price doesn't change guest search behaviorHow to understand supply, demand, and occupancy forecasts in your marketThe risks of attracting the wrong guests with discount pricingWhat a true “try everything” strategy looks like (and what it doesn't)Practical steps to audit your listing, amenities, and calendar managementHow to take control of your demand through marketing, referrals, and direct bookingsIf you're tired of feeling like your only option is slashing rates, this episode will help you rethink your approach and start running your rental like the business it is.Resources: Booked & Profitable Bootcamp – Five days of live training with Sarah and Annette to help you increase revenue and improve your hosting business. PriceLabs – A dynamic pricing tool that helps you understand occupancy forecasts and market demand so you can price smarter. Learn moreMentioned in this episode:Make More Money This Year! Join us for a Boot Camp!Make More Money This Year! Join us for a Boot Camp!Make More Money This Year! Join us for a Boot Camp!StayFi | Go to www.stayfi.com and enter TFV to get 50% off your first three months.

America's health secretary, RFK Jr, is known for his opposition to vaccines, particularly mRNA jabs, that have the potential to treat a large swathe of diseases. Slashing funding will have long term implications beyond America. Our correspondent visits Britain's biggest and newest supercomputer. And why Mexicans love Japanese and Korean culture. Listen to what matters most, from global politics and business to science and technology—Subscribe to Economist Podcasts+For more information about how to access Economist Podcasts+, please visit our FAQs page or watch our video explaining how to link your account. Hosted on Acast. See acast.com/privacy for more information.

America's health secretary, RFK Jr, is known for his opposition to vaccines, particularly mRNA jabs, that have the potential to treat a large swathe of diseases. Slashing funding will have long term implications beyond America. Our correspondent visits Britain's biggest and newest supercomputer. And why Mexicans love Japanese and Korean culture. Listen to what matters most, from global politics and business to science and technology—Subscribe to Economist Podcasts+For more information about how to access Economist Podcasts+, please visit our FAQs page or watch our video explaining how to link your account. Hosted on Acast. See acast.com/privacy for more information.

Today on CarEdge Live, Ray and Zach discuss the latest information from Mazda and Nissan. Tune in to learn more!

Authorities are investigating three shootings and a slashing near the West Indian Day Parade route Monday night that left several people injured. Meanwhile, City Council leaders are urging the city's Board of Elections to reject three housing-related ballot measures advanced by Mayor Adams' Charter Revision Commission, saying they mislead voters and weaken Council authority over land use. Plus, the Jets and Giants will open their NFL seasons Sunday with several new quarterbacks joining the Giants' roster.

In late May of 2010, a young construction worker at a playground in Kallang was chatting with some family members on the phone when he would get viciously ambushed, slashed, and left for dead. Shortly after, another man was walking home along the MRT tracks near Kallang MRT when he was similarly attacked and slashed. By the time daylight broke, 3 had been seriously wounded, and another perished from his injuries. Nearby residents were put on high alert, all wondering when the madness of the Kallang Slashings would stop. Part 1 - We follow the gruesome events as it happened on that fateful evening in late May of 2010, tracing the path of the perpetrators, and the heinous crimes that they committed. Part 2 - We join the investigation as they track down the criminals, eventually figuring out their motive, and their punishments. Join your fellow Heinous fans and interact with the team at our website or through our socials (IG, TikTok) @heinous_1upmedia. - Love Heinous? But feel its getting too dark for you? Check out:

Welcome to Day 30 of the Double Your Profit SeriesThe go-to series for contractors, home service owners, and small business entrepreneurs.Today's topic is one of the biggest levers you have in scaling your company: Cut Overhead Like a Maniac.

The Slashing continues this week as CK and Uncle Bill take a look at Supernatural Slashers, also stay tuned for an announcement on the 2025 finale next week!

The Menendez brothers will have a parole hearing today. McDonald's admitted that their prices have gotten too high and say they will cut some of the prices. $74,000 is the ideal salary for Americans.See omnystudio.com/listener for privacy information.

Send me a messageShipping moves 90% of global trade – and yet it's one of the hardest sectors to decarbonise. In this episode of Climate Confident, I sit down with Heikki Pöntynen, CEO of Finnish cleantech pioneer Norsepower, to explore a solution that's both elegantly simple and radically effective: modern rotor sails.Heikki explains how Norsepower has revived and re-engineered the century-old Flettner rotor to deliver real-world fuel savings of 5–25%, with some transatlantic routes targeting a staggering 50% reduction. We dig into the physics of the Magnus effect, why side winds are a ship's best friend, and how AI-driven automation ensures crews get maximum performance with minimal effort.We also discuss why retrofits dominate current adoption, the growing trend of building “rotor sail ready” vessels, and how stricter IMO regulations are shortening payback times to as little as one year. Heikki shares insights on compatibility with biofuels and electric ships, and why wind propulsion will be a common sight by 2040.This isn't about prototypes or pilot projects – these sails are already cutting CO₂ at scale, with 26,000 tonnes saved to date. If you want to understand a proven, scalable technology that can help shipping hit net zero by 2050, this conversation will change how you see the horizon.Listen now to learn how wind, engineering, and smart regulation could reshape maritime decarbonisation.Support the showPodcast supportersI'd like to sincerely thank this podcast's amazing supporters: Jerry Sweeney Andreas Werner Stephen Carroll Roger Arnold And remember you too can Support the Podcast - it is really easy and hugely important as it will enable me to continue to create more excellent Climate Confident episodes like this one.ContactIf you have any comments/suggestions or questions for the podcast - get in touch via direct message on Twitter/LinkedIn. If you liked this show, please don't forget to rate and/or review it. It makes a big difference to help new people discover the show. CreditsMusic credits - Intro by Joseph McDade, and Outro music for this podcast was composed, played, and produced by my daughter Luna Juniper

Bastian Bergmann ( https://www.linkedin.com/in/bergmannbastian/⁠ ) fuses psychological science with AI to help global brands truly understand their customers. As Cofounder and COO of Solsten, he turns deep audience insights into healthier, high‑performing experiences.In this episode, Chris and Bastian discuss:Slashing user‑acquisition costs by 25% with psychology‑led adsThe new moderation trend and what it means for product designBuilding data‑rich personas in minutes instead of monthsLessons from spinning out five venture‑funded startups in three yearsConnect with BastianWebsite: https://solsten.io/LinkedIn: https://www.linkedin.com/in/bergmannbastian/Follow Ultra High Net Worth Clients & Host Chris BrodheadWebsite: https://www.ultrahighnetworthclients.comSpotify: https://open.spotify.com/show/4Guqegm2CVqkcEfMSLPEDriTunes: https://podcasts.apple.com/au/podcast/ultra-high-net-worth-clients-with-chris-brodhead/id1569041400YouTube: https://www.youtube.com/@uhnwcInstagram: https://www.instagram.com/ultrahighnetworthclientsTikTok: https://www.tiktok.com/@ultrahighnetworthclientsFacebook: https://www.facebook.com/UHNWCPodcastTwitter: https://twitter.com/uhnwcpodcastDISCLAIMERThe views and opinions expressed on the “Ultra High Net Worth Clients” podcast are those of the hosts, guests, and participants and do not necessarily reflect the views or positions of any entities they represent. The content provided is for informational purposes only and should not be construed as financial, legal, or tax advice. Listeners should consult with their own professional advisors before making any financial decisions. All investments involve risk, including the possible loss of principal. Past performance is not indicative of future results. The podcast, its producers, and affiliated parties make no representations or warranties as to the accuracy or completeness of any information presented.

Tonight's special Guest WeatherBrain is Evan Fryberger, who is an independent content creator and a weather communicator who has built a loyal following online.  He's a calm and informed voice in the ever-noisy world of weather streaming.  His no-hype approach stands out in an age of rising anxiety and clickbait.  Evan, welcome to WeatherBrains! Our email officer Jen is continuing to handle the incoming messages from our listeners. Reach us here: email@weatherbrains.com. New record low maximum for Birmingham, AL on August 4th at 77 (02:00) One week away from launch of Alabama Weather Network (05:30) Looking back at 9/11/2001 and Hurricane Gabrielle (19:30) Fighting clickbait and hype online (26:00) 2025 Mental health crisis (33:00) Storm chasing overcrowding and dangers on the road (43:30) Blurring lines and reaching saturation in the weather entertainment/streaming world (46:30) Approaching urgency and calmness during severe weather streams (53:30) National Integrated Warning Team meeting (01:04:00) Preparing for an active severe weather day as a streamer/content creator (01:09:15) When does Evan bring his dog on stream?  (01:19:00) Experiences with demonetization and copyright issues as a streamer (01:24:30) The Astronomy Outlook with Tony Rice (01:27:50) This Week in Tornado History With Jen (01:29:50) E-Mail Segment (01:31:45) and more! Web Sites from Episode 1020: Alabama Weather Network on Facebook Evan Fryberger on YouTube Evan Fryberger on X Picks of the Week: Evan Fryberger - SPC Mesoscale Analysis Pages Evan Fryberger - NASA Worldview Satellite Data James Aydelott - SPC Average Number of Tornadoes Per State By Month (All tornadoes 2000-2024) Jen Narramore - Out Rick Smith - Tropical Storm Dexter Troy Kimmel - Out Kim Klockow-McClain - Foghorn John Gordon - Coral Reef Watch Eastern Persian Gulf Regional Products Bill Murray - Foghorn James Spann - Alabama Weather Network main site The WeatherBrains crew includes your host, James Spann, plus other notable geeks like Troy Kimmel, Bill Murray, Rick Smith, James Aydelott, Jen Narramore, John Gordon, and Dr. Kim Klockow-McClain. They bring together a wealth of weather knowledge and experience for another fascinating podcast about weather.

In this episode of Grow a Small Business, host Troy Trewin interviews Stephen Candelmo, founder and CEO of Paralex, a groundbreaking legal tech platform transforming how small businesses access legal support. Stephen shares how Paralex leverages AI to deliver fixed-fee legal services that are up to 80% cheaper than traditional law firms—making legal help more accessible for startups and small companies. He opens up about his entrepreneurial journey, pivoting from marketing tech to legal innovation, and building a scalable SaaS model with a human-in-the-loop approach. We also discuss the risks of relying solely on tools like ChatGPT for legal advice and the importance of blending tech with real legal expertise. Stephen's insights are a must-listen for anyone interested in the future of law, AI integration, and startup growth. Why would you wait any longer to start living the lifestyle you signed up for? Balance your health, wealth, relationships and business growth. And focus your time and energy and make the most of this year. Let's get into it by clicking here. Troy delves into our guest's startup journey, their perception of success, industry reconsideration, and the pivotal stress point during business expansion. They discuss the joys of small business growth, vital entrepreneurial habits, and strategies for team building, encompassing wins, blunders, and invaluable advice. And a snapshot of the final five Grow A Small Business Questions: What do you think is the hardest thing in growing a small business? According to Stephen Candelmo, the hardest thing in growing a small business is having patience and faith when things are hard—which, he emphasizes, is often. He highlights how the journey is rarely linear and requires resilience through constant ups and downs. What's your favorite business book that has helped you the most? According to Stephen Candelmo, his favorite business book that has helped him the most is "Good to Great" by Jim Collins. He admires how the book outlines the art and science of elevating an organization from being merely good to truly great. Are there any great podcasts or online learning resources you'd recommend to help grow a small business? According to Stephen Candelmo, a great podcast he recommends for entrepreneurs is "How I Built This", which offers inspiring stories from founders about building their businesses. He also highlights the use of ChatGPT (GPT-4) as a powerful online tool—calling it his “consultant” and “thought partner”—for strategic thinking and exploring business ideas. What tool or resource would you recommend to grow a small business? Stephen Candelmo recommends Trippify as a valuable tool to grow a small business. It's especially useful for automated LinkedIn outreach, helping small business owners connect with prospects through personalized messaging campaigns to generate leads and meetings. What advice would you give yourself on day one of starting out in business? According to Stephen Candelmo, the advice he would give himself on day one of starting out in business is: "It's going to take time — keep on believing. One day at a time." Book a 20-minute Growth Chat with Troy Trewin to see if you qualify for our upcoming course. Don't miss out on this opportunity to take your small business to new heights! Enjoyed the podcast? Please leave a review on iTunes or your preferred platform. Your feedback helps more small business owners discover our podcast and embark on their business growth journey.     Quotable quotes from our special Grow A Small Business podcast guest: When you combine need, experience, and passion, you find purpose — Stephen Candelmo If you take everything personally, you're focusing on the wrong thing — Stephen Candelmo Success is when your customers start referring you without being asked — Stephen Candelmo  

Today on CarEdge Live, Ray and Zach discuss the latest data from Mercedes-Benz. Tune in to learn more!

“I wouldn't be surprised if we got so close to $4,000 before the year is over,” says Todd “Bubba” Horwitz, founder of BubbaTrading.com, referring to gold's potential upside in 2025. In today's interview with Daniela Cambone, Bubba explains why gold and silver are not just inflation hedges but lifeboats in a manipulated market. “This inflation is not going away… and the Federal Reserve is doing everything but letting free markets work.” He also warns that cutting interest rates too soon could “destroy the market system as you know it,” and argues that only real assets, like gold and silver, can protect average Americans from a broken financial system.✅ FREE RESOURCESDownload the Ultimate Decision-Making Guide on Gold & Silver plus Daniela Cambone's Top 10 Lessons to safeguard your wealth (FREE)

In a groundbreaking legislative move, Congress has passed a $9.4 billion rescission package—the first since 1999—cutting funds to NPR, foreign aid programs, and climate initiatives. Championed by Senate Republicans and backed by Donald Trump, the bill reclaims unspent COVID and infrastructure funds while sending a strong message about spending restraint and America First values. While critics call the cuts symbolic, conservative lawmakers view this as the start of a broader rollback of what they consider wasteful government spending.

Marc Zao-Sanders reveals the key to breaking the cycle of overwhelm with a power tool that makes a huge difference.— YOU'LL LEARN — 1) How to prune your to-do list effectively2) How to use timeboxing to plan your day with intention3) The art of choosing breaksSubscribe or visit AwesomeAtYourJob.com/ep1071 for clickable versions of the links below. — ABOUT MARC — Marc Zao-Sanders is the CEO and co-founder of filtered.com, a learning tech company. He regularly writes about algorithms, learning and productivity in Scientific American, Harvard Business Review and MIT Sloan Management Review. He has followed the practice of timeboxing for over ten years. He lives in London. • Book: Timeboxing: The Power of Doing One Thing at a Time by Marc Zao-Sanders • Podcast: The ADHD Skills Lab Harvard Business Review Article: "How Timeboxing Works and Why It Will Make You More Productive"• LinkedIn: Marc Zao-Sanders • Website: MarcZaoSanders.com — RESOURCES MENTIONED IN THE SHOW — • Study: "Implementation Intentions and Goal Pursuit" by Peter M. Gollwitzer and Veronika Brandstätter • Article: “To-Do Lists Don't Work” by Daniel Markovitz• Book: The Fountainhead by Ayn Rand• Book: The ONE Thing: The Surprisingly Simple Truth About Extraordinary Results by Gary Keller and Jay Papasan• Book: Eat That Frog!: 21 Great Ways to Stop Procrastinating and Get More Done in Less Time by Brian Tracy• Book: Winning the Week: How To Plan A Successful Week, Every Week by Demir Bentley• Past episode: 038: Establishing the Essential with Greg McKeown• Past episode: 080: Finding and Doing the One Thing with Jay Papasan• Past episode: 2024 GREATS: 935: The Five Steps to Winning Every Week with Demir Bentley— THANK YOU SPONSORS! — • Strawberry.me. Claim your $50 credit and build momentum in your career with Strawberry.me/Awesome• Quince. Get free shipping and 365-day returns on your order with Quince.com/Awesome• Plaud.ai. Use the code AWESOME and get a discount on your order• Rula. Connect with quality therapists and mental health experts who specialize in you at Rula.com/AwesomeSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Todd Toback breaks down powerful, legal tax-saving strategies specifically tailored for real estate wholesalers and investors. He explains why holding just two to three properties each year can create long-term financial leverage while reducing taxable income. Todd dives into the benefits of using the 1031 exchange to defer capital gains and how real estate depreciation can dramatically lower what you owe the IRS. This episode is packed with actionable tax tips that can help you build wealth faster, save thousands in taxes, and scale your real estate business smarter! ---------Show notes:(0:50) Beginning of today's episode(1:30) Reduce your taxes ethically and legally(2:26) Hold on to at least 2-3 properties a year(4:02) 1031 exchange(5:17) Depreciation (7:41) Don't buy cars just to buy cars(8:18) Schedule a couple of business meeting when your on vacations(9:07) Watch your expenses----------Resources:To speak with Brent or one of our other expert coaches call (281) 835-4201 or schedule your free discovery call here to learn about our mentorship programs and become part of the TribeGo to Wholesalingincgroup.com to become part of one of the fastest growing Facebook communities in the Wholesaling space. Get all of your burning Wholesaling questions answered, gain access to JV partnerships, and connect with other "success minded" Rhinos in the community.It's 100% free to join. The opportunities in this community are endless, what are you waiting for?

Originally Aired June 4, 2025: Honoring the passing of Jim Marshall. Sounds that make people irrationally angry. Everything you wanna know about pretending to work for a living. Listen & subscribe to the show on Apple Podcasts, Spotify or Amazon Music. For more, visit https://www.93x.com/half-assed-morning-show/Follow the Half-Assed Morning Show:Twitter/X: @93XHAMSFacebook: @93XHAMSInstagram: @93XHAMSEmail the show: HAMS93X@gmail.com See omnystudio.com/listener for privacy information.

Slashing honors programs and making exams easier in the name of equity and inclusion dumbs everyone down. You don't fix a broken ladder by removing the top rungs. Real equity lifts people up —it doesn't level them down. Bring back meritocracy and give all students what they need to succeed. Join Dr. Phil as he breaks down real headlines, investigates the implications of these changes, and confronts the tough questions about fairness, performance, and the future of American excellence. #DrPhil #TheRealStory #EquityVsExcellence #Meritocracy #DEI #EducationReform #CancelCulture #WokeCulture #LoweringStandards