Podcasts about Southwest Florida

Send us Fan MailOn the latest episode of the Stories to Create Podcast, Cornell Bunting sits down with Victor Arias, a respected attorney with more than 27 years of legal experience serving Southwest Florida and a leader deeply committed to his clients and community.Fluent in both English and Spanish, Victor has built a reputation for delivering the level of excellence clients expect from a large law firm while providing the personalized attention and care of a community-focused practice. His bilingual ability has allowed him to serve a diverse population throughout Southwest Florida, including individuals and families from South America, Central America, Europe, and beyond.Throughout his career, Attorney Arias has focused his practice primarily in civil litigation and criminal defense while also representing clients in workers' compensation, personal injury, employment law, criminal law, and Social Security disability matters.Victor earned his Juris Doctor degree from the State University of New York at Buffalo in 1990 and holds a Bachelor of Arts degree from Hamilton College in Clinton, New York. He also expanded his global perspective through studies at the Instituto Internacional in Madrid, Spain.His impact in business and the community has earned him recognition as Businessman of the Year by the Southwest Florida Hispanic Chamber of Commerce.Now, Victor is taking his commitment to service to another level as he runs for election to the United States House of Representatives to represent Florida's 19th Congressional District. He has declared his candidacy for the Democratic primary scheduled for August 18, 2026.Tune in as Victor shares his remarkable journey—from law and leadership to public service—and the experiences that have shaped the path that brought him to this pivotal moment.Because here on the Stories to Create Podcast…We do not just tell stories… we create them. Support the showThank you for tuning in with EHAS CLUB - Stories to Create Podcast

Send us Fan MailOn this episode of the Stories to Create Podcast, Cornell Bunting sits down with Shalonda Washington — award-winning entrepreneur, transformation speaker, mindset coach, nonprofit leader, and respected businesswoman known throughout Southwest Florida as “The Permit Queen.”With more than 30 years of experience as the CEO and Founder of Reliable Permitting & BSS, Shalonda has built a reputation as a trusted expert in construction administration and building permitting, helping contractors, homeowners, realtors, investors, and business professionals navigate complex processes and achieve success.Beyond business, Shalonda is passionate about empowering others to rise above obstacles, unlock their full potential, and pursue purpose-driven lives. As a sought-after transformation speaker and mindset coach, she shares powerful insights across business, nonprofit leadership, women's empowerment, and personal growth.In this inspiring conversation, Shalonda opens up about entrepreneurship, resilience, overcoming adversity, leadership, family, faith, and what it means to continue climbing while lifting others along the way.A proud wife of 31 years, mother of five, grandmother, and community leader, Shalonda also co-leads a nonprofit ministry alongside her husband, serving youth and families in the Immokalee community. Through her initiative, A Day With Sho, she continues creating spaces designed to elevate and empower women in business and leadership.Recognized for her impact through numerous awards and nominations and celebrated for her remarkable journey from challenge to achievement, Shalonda Washington reminds us that resilience, vision, and purpose can create extraordinary outcomes.This episode is filled with wisdom, inspiration, and practical insight for entrepreneurs, leaders, and anyone striving to build a life of impact.Because here on the Stories to Create Podcast… we do not just tell stories—We create them. Support the showThank you for tuning in with EHAS CLUB - Stories to Create Podcast

Christian Busk is the founder and principal of Busk & Associates, serving as a visionary landscape architect who has spent over 40 years shaping the aesthetic of Naples. In Part 1 of our interview, he shares incredible stories of physically moving historic homes to save them from demolition, designing the city's first vanishing-edge pool, and his mission to preserve and elevate the natural beauty of Southwest Florida.

Diane Devereuax grew up in Michigan and has been growing and preserving food since she was a kid. She's known as ‘The Canning Diva' and is author of seven cookbooks, and she's an internationally recognized food preservation expert, television presenter, and instructor. Ms. Devereaux recently transplanted to Southwest Florida, so we invited her into the studio to talk about her latest book, “From Seed to Table: a comprehensive guide to gardening, preserving, and cooking for sustainable living.”

In this episode of the Cape CopCast 'Chief's Chat,' we cover:The conviction in the murder of 15-year-old Kayla Rincon-MillerThe arrests of 15 people in a years-long narcotics investigation by NETFORCEThe latest data showing our calls for service are up, our response time is down, and our vacancy rate is the lowest it's been in yearsChief Sizemore shares what it was like sit with Kayla's family in court, and why we keep saying a guilty verdict is justice but not closure. We also discuss what it takes to build a case from the smallest starting point, including digital forensics, analytics, and a timeline strong enough to stand up in trial.We then talk about how the collaborative NETFORCE arrests underscore the real link between violent crime and narcotics trafficking across Southwest Florida, with a multi-year investigation involving fentanyl, cocaine, MDMA, THC wax, major currency seizures, and 30 firearms removed from circulation. The takeaway is simple: criminals cross borders, so effective policing has to cross them too.We close with the numbers that shape everything: calls for service are climbing fast, yet our Priority 1 response time drops below five minutes. We explain how data-driven policing, redistricting into four precincts, and smart deployment help reduce the time from ring to knock and why we still need staffing growth even with a low vacancy rate. 

THANKS TO SPONSOR:Wild Nutritionist!Use code MOTR to save 35% off Mama Baby Biome Method AND First Foods PlanI have been very busy life-ing, particularly with two extremely active toddlers, and therefore my priorities have majorly shifted. I may return to this podcast once we're all settled into our new home and routine in Sweden in the fall, but I'm not going to commit to any definitive timeline or frequency.In this episode, I discuss one of the major inspirations of the decision to take a step back, Michaeleen Doucleff's newest book Dopamine Kids, along with my desire to place more time and attention on fostering in-person relationships with my community right here.I talk about which high-value activities I'd like to replace with some low-value activities I became accustomed to and what life will probably look like for at least the next few months.While my goal is to be online less, particularly on instagram, I don't take for granted the meaningful connections I've made thanks to social media.Best ways to stay in touch:email: momsofftherecordpod@gmail.combook a virtual potty training consult: https://www.katherinesigblad.com/book-potty-traning-consultsee client testimonials: https://www.katherinesigblad.com/testimonialsJoin the private community for support and resources across all anti-mainstream motherhood topics: https://motrcollective.mn.co/Get a BRICK device for your smartphone: https://getbrick.com/?snowball=MOTRHow Erik and I met thanks to Tinder in 2020: https://katherine-sigblad.medium.com/how-my-husband-and-i-met-got-engaged-married-and-honeymooned-during-the-pandemic-a0cb848ee4cfand if you're in Southwest Florida or the Stockholm metro area, email me so we can arrange a mom+kid meetup IRL!I'd love to hear from you whether you took an extended social media break or a permanent one. What was it like? Drop a comment in the episode in Spotify or email me.Support the showTHANKS TO SPONSOR:Wild Nutritionist!Use code MOTR to save 35% off Mama Baby Biome Method AND First Foods PlanStay Connected With Me:Subscribe to Moms Off The Record on YouTubeJOIN THE MOTR PRIVATE COMMUNITY here Book a potty training 1:1 consult with me hereDiscount codes & links to my favorite courses and products hereLove Moms off the Record? You can directly support the show hereThank you for leaving a rating and written review on Apple and Spotify! This is the best, free way to support the podcast. Follow MOTR on instagram here

On this episode of Main Street Matters, Elaine Parker sits down with businessman and Florida congressional candidate Jim Oberweis to discuss why he’s stepping back into politics and what’s at stake for Southwest Florida and the nation. Oberweis shares how his decades of experience building businesses and managing billions in assets shaped his views on the economy, the national debt, inflation, and the policies he believes are necessary to protect small businesses and future generations. The conversation dives into Florida’s tax advantages, rising property insurance costs, workforce shortages, artificial intelligence in the labor market, immigration policy, and the push for term limits in Congress. If elected to represent Florida’s 19th Congressional District, Oberweis outlines his plan to tackle Washington spending, balance the budget, and bring a business-minded approach to Congress.See omnystudio.com/listener for privacy information.

We discuss the sprawl created by the extension of I-75 beyond Hillsborough County. The road created major sprawl in Southwest Florida leading to the rapid development of gated and exclusive communities in the area that helped tilt Florida toward the GOP.It also created a new western suburban corporate culture in Broward County that shifted jobs away from the core city areas of Fort Lauderdale and Miami toward I-75.The road replaced Alligator Alley across Big Cypress and the Everglades erasing what was an environmental blight and a death trap for Florida Panthers and other animals and created a virtual 70-mile causeway that helped restore proper water flows in the ecosystem.

For over four decades, Kim Ciccarelli Kantor has helped shape the financial and cultural landscape of Southwest Florida as the co-founder and President of Ciccarelli Advisory Services. In this episode, we explore her family's deep roots in Naples, the realities of running a multi-generational family business, and her holistic approach to wealth management that prioritizes life's true priorities over just the bottom line

For 13 years, Eileen Connolly-Kessler has served as the President and CEO of the Collier Community Foundation, an organization that has distributed over $400 million to local causes. In this episode, we explore the hidden needs of our wealthy community, the massive Golden Gate housing project for essential workers, and the critical importance of building endowments to protect Southwest Florida's future.

If estrogen is protective… why shouldn't it be taken alone? In this honest and thought-provoking conversation with David Rosensweet, we explore one of the most confusing topics in women's health: estrogen, progesterone, and cancer risk. You'll hear perspectives that may challenge what you've been told - including the idea that estrogen can be protective, while at the same time being unsafe when used on its own. So which is it? In this episode, we discuss: Why estrogen is often considered protective for the brain, bones, and overall health Why it's still commonly recommended to pair estrogen with progesterone The role of estradiol as a more proliferative form of estrogen Why estriol is often considered more protective, and why it makes up 80% of Bi-Est How this perspective are Estriol and Progesterone is also supported by Michael Platt The controversy around the Women's Health Initiative and how it shaped public perception A different perspective on hormone testing, including limitations of the DUTCH test The importance of testosterone for muscle mass, metabolism, and aging (including sarcopenia) How lifestyle, metabolic health, and environment play a major role in cancer risk This is not a black-and-white conversation. You'll hear areas where we agree - and areas where we don't. My goal with this episode is not to tell you what to think, but to help you better understand the nuance so you can make informed decisions about your health. As always, context matters. Hormones are powerful, and their effects depend on the individual, the dose, and the bigger metabolic picture. Plus my previous conversations can give you more insight if you want to learn more. Let me know your thoughts in the comments - this is a conversation worth having. Dr. Rosensweet graduated from the University of Michigan Medical School in 1968. He has been in private medical practice since 1971, and has had offices in New Mexico, California, and Colorado and is currently in practice in Southwest Florida. Dr. Rosensweet was the clinical physician involved in the very first Nurse Practitioner training program in the U.S.A. and in charge of health promotion for the State of New Mexico. He teaches health professionals about the treatment of women in menopause with bio-identical hormones. Find out more about Dr Rosensweet here; https://www.davedrosensweetmd.com/ Instagram / menopausedoctor FREE BOOK "Happy Healthy Hormones" ; https://iobim.org/providers-book/

What if recovery isn't a niche ministry—but a universal reality?In this episode, Heather sits down with pastor and recovery leader Jorge Acevedo to explore how the church can better understand addiction, healing, and the power of recovery communities. Drawing from decades of experience, Jorge challenges assumptions, shares personal stories, and invites leaders to recognize where God is already at work—often outside traditional church walls.Jorge Acevedo has been transformed by grace and now lives for one mission: connecting people to Jesus and the Church. Raised partly in Puerto Rico and moved early to the U.S., he rose from addiction in his youth to lead and mentor across generations. For 27 years, he served as Lead Pastor of Grace Church, a multi-site United Methodist congregation in Southwest Florida, and in September 2023 he retired from 39 years of pastoral ministry. Now he coaches, writes, and speaks through Spiritual Leadership Inc. This season, we're diving into the streams of Fresh Expressions — from senior adults and recovery ministry, to arts, outdoors, recreation, and more. Each month, you'll hear directly from practitioners who are navigating these fresh ways of being church in the world. Their stories will spark your imagination and encourage you to see where God is already at work in your community and how you might join in! So whether you're a pastor, lay leader, or simply curious about how church can thrive beyond the walls, join us for Season seven of the Fresh Expressions Podcast.

SummaryIn this episode, Pastor Timothy Pigg interviews Klayton Carson about his faith journey, ministry experiences, and lessons learned as a young pastor. They discuss the importance of church history, guarding the flock, and trusting God's providence in life's challenges. keywordsPastoral Ministry, Faith Journey, Church Leadership, Conservative Baptist Network, Evangelism, Church Growth, Ministry Lessons action itemsGuard the flock from false doctrine and physical harmBuild relationships through proactive conversationsLearn church history to understand community dynamics sound bites"Make your pasture safe—guard the flock.""Trust God's providence in every chapter of life."Chapters00:00 Introduction and Ministry Overview04:41 Clayton's Salvation Story at Age Six06:14 Growing Up in a Faithful Christian Home09:14 Calling to Ministry at a Young Age12:14 Meeting at Southwest Florida and Friendship Development13:19 Educational Journey and Mentorship at Liberty and Mid-America18:29 Path to Pastoring Range Hills Baptist Church24:01 Lessons Learned as a Young Pastor26:40 Handling Church Challenges and Blunders29:25 The Importance of Church History and Pastoral Wisdom31:02 Final Words and Encouragement for Young Pastors resourcesConservative Baptist Network - https://conservativebaptistnetwork.comThe Way of the Shepherd by Larry C. Spears - https://www.amazon.com/Way-Shepherd-Leadership-Larry-Spears/dp/0801092784

In this episode of The Norris Group Real Estate Podcast, Joey Romero is joined by Craig Evans, CEO of The Norris Group, and Douglas Brooke Homes for an in-depth discussion on the upcoming Florida Bootcamp and the current state of the Florida real estate market. The conversation covers key macro trends driving migration into Florida, including domestic vs. international population shifts, the long-term outlook for housing demand, and how rising interest rates and insurance changes have reshaped buyer behavior. The team also breaks down their current build-to-rent model, highlighting affordability-driven construction, stable cash flow projections, and why new construction continues to outperform aging rental stock in today's market.They also dive into the structure of the Florida Bootcamp itself—what attendees can expect over two days, from classroom-style learning and migration data analysis to on-site property tours and one-on-one strategy sessions. The episode emphasizes the Norris Group's hands-on approach, including vetted land acquisition, funds control protections, and a fully managed construction and leasing process designed to reduce risk for investors.Craig Evans is the CEO of The Norris Group, where he oversees investment strategy, development projects, and investor education initiatives focused on real estate opportunities in high-growth markets like Southwest Florida. Douglas Brooke Holmes is part of the leadership team at The Norris Group, contributing to development oversight, operations, and investor relations. Joey Romero is a host and representative of The Norris Group Podcast, focused on delivering insights from industry leaders and market experts.Learn more about the Florida Real Estate Investing Bootcamp here:https://thenorrisgroup.com/event/florida-real-estate-investing-bootcamp-2026In this episode:Joey introduces the Norris Group Podcast and sets up the discussion on the Florida BootcampOverview of the upcoming Florida Bootcamp and why it is being relaunchedBreakdown of Florida migration trends: domestic slowdown vs. continued international inflowsImpact of remote work, hurricanes, insurance shifts, and rising home prices on migration patternsWhy Florida's population continues to grow despite a “migration boom slowdown”How migration is driving long-term rental demand in the stateIntroduction to the “1515 model” build-to-rent strategyBreakdown of project costs, land acquisition, construction pricing, and rental assumptionsExpected cash flow, NOI, and cap rate (~5.12%) and why appreciation is treated as upside onlyDiscussion of affordability as the core strategy shift in today's marketWhy new construction reduces risk (no rehab, no inherited tenants, predictable costs)Comparison of Florida investment model vs. BRRRR strategyRole of funds control, insurance partners, and vetted land acquisitionOverview of build timelines: permitting (~45–65 days after process starts) and construction (~7 months after permit in conservative estimates)Rental absorption expectations (typically 30–60 days when priced correctly)Bootcamp structure: classroom education, field tours of build sites, and one-on-one investor meetingsWho this strategy is for: active investors, W-2 professionals, and 1031 exchange participantsPricing, discounts for spouses/partners, and rebate option for investors who buildQ&A discussion covering insurance stability, permitting timelines, ADUs, lot types, and competitionFinal thoughts on Florida wealth migration, economic growth drivers, and long-term demand outlookThe Norris Group originates and services loans in California and Florida under California DRE License 01219911, Florida Mortgage Lender License 1577, and NMLS License 1623669.  For more information

A teenage girl watches her world change dramatically when her close friend is hit by a car while crossing the street. N'Evaeh's friend Stella is making a recovery, but the fear and helplessness she faced drove her to do something rare: N'Evaeh put the pain into words, and sent a raw, thoughtful email to Cape Coral leaders, and found out that people will listen when the message is clear and the stakes are human.In this episode of the Cape CopCast 'Chief's Chat,' Chief Sizemore and Public Affairs Officer Lisa Greenberg talk with N'Evaeh about what sparked her advocacy, how writing can be therapeutic, and why “doing nothing is not an option” when community safety is on the line. We get into the bigger picture behind pedestrian safety and traffic safety in Southwest Florida: distracted driving, phone use while crossing the street, and how one small lapse can have a ripple effect, changing multiple lives at once. The 15-year-old's core advice is simple and hard to ignore: be aware. Look up. Put the phone down. Stay in the moment.We also zoom out to the shared responsibility that makes safer streets possible, from drivers and pedestrians to bicyclists, e-bike riders, police education and enforcement, and smarter road design and infrastructure. The conversation ends with a hopeful update on Stella's recovery and a reminder that one student voice can create real momentum.

Kids Minds Matter is a program out of the Golisano Children's Hospital that focuses on mental andbehavioralhealthcarehere in Southwest Florida.

For 45 years, Robyn Bonaquist has had a front-row seat to the explosion of Naples, Florida—evolving from a young newspaper editor to the founder and president of B2 Advertising. In this episode, we explore the nostalgic history of Southwest Florida, the brutal realities of surviving economic crashes, and her masterclass on identifying your business's unique selling propositions.

On tonight's program: Even though Florida lawmakers are out of session, the back and forth over plans to cut property taxes goes on; A new affordable housing project in Southwest Florida gives some prospective homeowners reason for hope; Florida has been an overwhelmingly Republican state for quite a while. But a noted political expert says this week's special election may have signaled something of a turning point; It seems some Republicans are determined to shoot their own party in the foot; Americans are still having kids. They're just having fewer of them than they used to and that's having some wide-ranging impacts; And years after a devastating hurricane, natural recovery is still taking place in a large swath of Mangrove swamp, hopefully before another storm arrives.

In this episode, we sit down with Amy Ingle, the founder and owner of Sweet Spot MediSpa in Southwest Florida, to explore her innovative approach to facial and body rejuvenation. Amy is a licensed advanced registered nurse practitioner with a passion for enhancing her clients' well-being and confidence through the latest aesthetic treatments. With a background in nursing and a master's degree in nursing from South University, Amy combines medical expertise with artistic precision to provide personalized rejuvenation solutions. She's an expert in injectable treatments such as Botox®, Dysport®, Xeomin®, and Juvederm®, as well as platelet-rich plasma (PRP) therapies and advanced weight-loss strategies. In this conversation, we dive into: ·       How Amy blends medical knowledge with artistic precision to create natural, lasting results. ·       Why staying current with the latest advancements in aesthetic technology is essential for modern treatments. ·       The transformative effects of PRP therapies and advanced injectables in facial and body rejuvenation. ·       How personalized treatment plans can help clients achieve their aesthetic goals. Amy is committed to helping people look and feel their best at any age. Tune in to learn more about how she's shaping the future of aesthetics and self-confidence. Follow Amy's work on Instagram and tune in to her podcast, Glow Up and Get Real, for more insights! Episode also available on Apple Podcasts: https://apple.co/38oMlMr  Keep up with Amy Ingle socials here: Facebook: https://www.facebook.com/sweetspotmedispa/  Tiktok: https://www.tiktok.com/@sweetspotmedi 

Brandi Long joins this week's episode and shares powerful insights on mindset, overcoming limiting beliefs, practical “boots-on-the-ground” coaching strategies, and how agents can embrace market uncertainty to grow their businesses.Full Description / Show NotesBrandi Long shares her journey from a reluctant start in real estate to becoming a successful agent, brokerage owner, and coach in Southwest Florida.The critical role of mindset, self-belief, and overcoming limiting beliefs in building a sustainable real estate career.The importance of setting boundaries, saying no, and protecting personal time to maintain productivity and avoid burnout.Her “boots-on-the-ground” coaching approach, focused on practical, actionable strategies agents can immediately implement.How technology—especially AI—can enhance efficiency while still preserving the relationship-driven nature of real estate.Her outlook on the future of the industry and her commitment to continued growth while prioritizing more time with family.

In this series, Kyle sits down with Carson Baird, an industrial broker from Southwest Florida, to uncover the hidden pitfalls in industrial deals. They discuss how overlooked zoning details and unexpected easements can derail transactions, and share strategies to navigate these challenges. Carson offers insights on managing client expectations, leveraging local relationships, and using technology to streamline deal processes. Whether you're a broker, investor, or developer, this series provides practical advice to close deals efficiently and avoid costly mistakes in the competitive industrial market.Connect with CarsonLinkedInhttps://www.linkedin.com/in/carsoncre/Xhttps://x.com/Carson_CREFollow CRE School on SocialLinkedInhttps://www.linkedin.com/company/commercial-real-estate-school/?viewAsMember=trueInstagramhttps://www.instagram.com/creschoolshow/

In this series, Kyle sits down with Carson Baird, an industrial broker from Southwest Florida, to uncover the hidden pitfalls in industrial deals. They discuss how overlooked zoning details and unexpected easements can derail transactions, and share strategies to navigate these challenges. Carson offers insights on managing client expectations, leveraging local relationships, and using technology to streamline deal processes. Whether you're a broker, investor, or developer, this series provides practical advice to close deals efficiently and avoid costly mistakes in the competitive industrial market.Connect with CarsonLinkedInhttps://www.linkedin.com/in/carsoncre/Xhttps://x.com/Carson_CREFollow CRE School on SocialLinkedInhttps://www.linkedin.com/company/commercial-real-estate-school/?viewAsMember=trueInstagramhttps://www.instagram.com/creschoolshow/

Perhaps no equipment manager on the planet oversees an operation at a scale like the one TJ Vollmar experiences daily. He opens up to Trent about working at Desert Mountain Club and why he moved his family from its Southwest Florida roots across the country for the opportunity.

A busy Radio Connection Live is heading your way! Featuring classic air checks in Valdosta, Georgia, a little flashback to Southwest Florida, and also some Christian music in Tampa.Plus some great weekly radio conversation to boot!

In this episode of The Real Build, I sit down with Megan Devane and Henry Jeannin from Ferguson Naples, one of the leading suppliers for plumbing fixtures, appliances, and lighting for luxury homes.Ferguson has been a trusted partner for us for years, helping guide homeowners through one of the most important parts of building a custom home, selecting the right fixtures, appliances, and lighting.We dive into what homeowners should know before making selections, how to avoid common mistakes, and how the right products can elevate the entire home.If you are building a custom home, remodeling, or just want to understand the details that make luxury homes stand out, this conversation will give you valuable insight.In this episode we discuss:• The role Ferguson plays in the custom home building process• How homeowners should approach selecting plumbing fixtures• What appliances are trending in luxury homes today• Lighting selections that elevate a home's design• Common mistakes people make when choosing fixtures• How builders and suppliers work together to create a better client experienceFerguson Naples has become a key resource for builders and homeowners throughout Southwest Florida, helping clients navigate the selection process with expertise and guidance.Guest Info: Ferguson NaplesWebsite: ⁠⁠⁠⁠⁠⁠https://www.fergusonhome.com/showroom/branch/naples-fl-showroom-0234?utm_source=google&utm_medium=organic&utm_campaign=shw_lis_listingtraffic&utm_content=listingHost Info:Email: Bill@rkreiman.comCONNECT WITH ME ON SOCIAL MEDIA:▶︎ YOUTUBE | ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.youtube.com/channel/UCxAdSxHN0dIXZPhA-6p1HYA ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠▶︎ INSTAGRAM | ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.instagram.com/imbillreiman⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠▶︎FACEBOOK| ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.facebook.com/billy.reiman ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠▶︎ LINKEDIN | ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.linkedin.com/in/bill-reim...⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠▶︎ TWITTER | ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://twitter.com/ImBillReiman⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠▶︎ WEBSITE | ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.rkreiman.com⁠

From taking down barbed-wire fences for pronghorn and elk In Wyoming and elephants in Kenya, to letting wetland water flow naturally in South Florida for wading birds and fish, to creating 'agave highways' for migrating birds to refuel in New Mexico, to designing spaces with wildlife in mind everywhere, journalist Hillary Rosner shares her insights on how humans are helping stitch back together fragmented and degraded habitats for wild animals globally in her new book "ROAM: Wild Animals and the Race to Repair Our Fractured World" (published with gorgeous photography in 2025 by Patagonia Press on 100% recycled non-bleached paper). See Hillary's website at https://hillaryr.net/  In this 50-minute interview, In Tune to Nature radio host Carrie Freeman especially enjoys talking with Hillary (who works at Univ of Colorado's Center for Environmental Journalism) about lessons from the places in the USA they both went to work on books on wildlife -- the rapidly developing/growing areas of the Yellowstone National Park region in Montana and Wyoming, and South Florida's Everglades National Park/Big Cypress region in Southwest Florida. Hillary describes how the Corkscrew Sanctuary in Florida is being hemmed in by housing developments, and how those human communities are wanting to divert wetland water to prevent flooded streets and yards, at the expense of Sanctuary residents like birds, fish, and alligators; she also shares her experiences with volunteers taking down several miles of barbed wire fences near Cody, Wyoming and how fences can be redesigned to let certain animals get over or under them safely instead of being a dangerous impediment for elk, pronghorn, bears, mountain lions and other mammals. You can see her list of organizations doing good work for wildlife in those regions and the global locations in her book (on the Patagonia Press Roam page). "In Tune to Nature" is a weekly hour-long radio show airing Wednesdays at 6pm Eastern Time on 89.3FM-Atlanta radio and streaming worldwide on wrfg.org (Radio Free Georgia, a nonprofit indie station) hosted by me, Carrie Freeman, or friend Melody Paris. The show's website and my contact info can be found at https://wrfg.org/intunetonature/  or https://www.facebook.com/InTunetoNature/ Consider donating to Radio Free Georgia, a 50+ year old progressive, non-commercial radio station, run largely by volunteers like me and Melody. Take care of yourself and others, including other species, like all the wildlife who need us to help them roam safely to survive. Disclaimer: The views and opinions expressed on In Tune to Nature do not necessarily reflect those of WRFG, its board, staff, or volunteers. Photo Credit: ROAM book interior cover image of an endangered bear's fur in a barbed wire fence in Italy, taken by Bruno D'Amicis.

For 25 years, Erin Blankenship has dedicated her life to preserving the stories of Holocaust survivors and educating the next generation. In this episode, we explore the Holocaust Museum & Cohen Education Center's newest permanent exhibit, the fight against rising antisemitism, and the power of becoming an "Upstander" in today's world.

In this episode, Steve Fretzin and Leah Miller discuss: Run your law firm like a business, not a hobby Use accurate financials to avoid hidden risks and overpayment Track key metrics and benchmarks for people, operations, and marketing Leverage metrics to make strategic growth decisions   Key Takeaways: Long-term growth requires regular attention to financials. Cash in the bank is not a strategy; data should guide hiring, marketing, and operational decisions. Bad bookkeeping masks problems and can cost in taxes. Early investment in a bookkeeper or financial team yields high ROI and clarity. Monitor payroll, operating costs, and marketing spend as percentages of revenue. Focus on trends over time and adapt to what works for your firm. Financial data informs hiring, marketing, and process improvements. Treat new hires as investments, plan for cash gaps, and track time spent on business development for accountability.   "If you're not paying attention to the dollars and you're not operational decisions based on the finances, you are not going to have that long-term, sustained growth that you're looking for as a lawyer in a firm." —  Leah Miller   Check out my new show, Be That Lawyer Coaches Corner, and get the strategies I use with my clients to win more business and love your career again.   Ready to go from good to GOAT in your legal marketing game? Don't miss PIMCON—where the brightest minds in professional services gather to share what really works. Lock in your spot now: https://www.pimcon.org/   Thank you to our Sponsor! Rankings.io: https://rankings.io/ Lawyer.com: https://www.lawyer.com/   Ready to grow your law practice without selling or chasing? Book your free 30-minute strategy session now—let's make this your breakout year: https://fretzin.com/   About Leah Miller: Leah N. Miller, MBA, is the founder and CEO of Firmly Profits, a firm providing fractional CFO and bookkeeping services to law firms across the United States. Starting her career as a paralegal, Leah rose to become a firm administrator and CFO at a personal injury law firm in Fort Myers, Florida, where she recognized the need for law firm owners to gain confidence in their finances. Passionate about helping attorneys achieve financial clarity and sustainable growth, she now leads a team dedicated to offering expert financial guidance, process improvement, and strategic planning for firms of all sizes. Outside of work, Leah teaches paralegal courses and enjoys spending time with her husband and three daughters in sunny Southwest Florida.   Connect with Leah Miller:   Website: https://firmlyprofits.com/ YouTube: https://www.youtube.com/@LNMFinancialServices/videos LinkedIn: https://www.linkedin.com/company/firmlyprofits/ Facebook: https://www.facebook.com/people/LNM-Financial-Services/100091343407958/ Instagram: https://www.instagram.com/leah_lnm_financial/   Connect with Steve Fretzin: LinkedIn: Steve Fretzin Twitter: @stevefretzin Instagram: @fretzinsteve Facebook: Fretzin, Inc. Website: Fretzin.com Email: Steve@Fretzin.com Book: Legal Business Development Isn't Rocket Science and more! YouTube: Steve Fretzin Call Steve directly at 847-602-6911   Audio production by Turnkey Podcast Productions. You're the expert. Your podcast will prove it. 

Every year hundreds of thousands of students in dozens of countries act as delegates in a simulation of the United Nations. The 33rd annual Southwest Florida Model UN was held on the campus of Florida Gulf Coast University last week. This year's keynote speaker was Andrea Bedoya. She's a 2020 graduate of Florida Gulf Coast University, and since leaving FGCU with her Political Science degree her career has already spanned four continents and a wide range of global service experiences. She stopped by the studio while she was back on campus to chat.

In this episode, Paul Hiltz, FACHE, President and CEO of Naples Comprehensive Health, discusses doubling the organization's size while maintaining independence and a top tier focus on quality and access. He shares how strategic partnerships with groups like Hospital for Special Surgery and Northwestern Medicine, along with leadership development initiatives, are strengthening care delivery across Southwest Florida.

In this episode of ChangeMakers with Katie Goar, Katie sits down with Marcia Davis, Executive Director of the Housing Authority of the City of Fort Myers, for a powerful conversation about leadership, resilience, and the future of affordable housing in Southwest Florida. Marcia shares how growing up in public housing shaped her career and why she chose to spend more than two decades working inside the system to create stability and opportunity for families. From her early work as a child welfare investigator to leading one of Florida's most ambitious housing redevelopment efforts, her story shows how lived experience drives policy, planning, and people first leadership The conversation also covers the impact of Hurricane Ian and how disaster recovery funds allowed Fort Myers to preserve and rebuild housing at a scale never before possible. Marcia walks through how more than eighty million dollars in recovery funding now supports new construction, major rehabilitation, and hurricane resistant senior housing designed to protect residents during future storms This episode offers a clear look at what modern housing authority leadership looks like when strategy, community, and compassion align.

In this series, Kyle sits down with Carson Baird, an industrial broker from Southwest Florida, to uncover the hidden pitfalls in industrial deals. They discuss how overlooked zoning details and unexpected easements can derail transactions, and share strategies to navigate these challenges. Carson offers insights on managing client expectations, leveraging local relationships, and using technology to streamline deal processes. Whether you're a broker, investor, or developer, this series provides practical advice to close deals efficiently and avoid costly mistakes in the competitive industrial market.Connect with CarsonLinkedInhttps://www.linkedin.com/in/carsoncre/Xhttps://x.com/Carson_CREFollow CRE School on SocialLinkedInhttps://www.linkedin.com/company/commercial-real-estate-school/?viewAsMember=trueInstagramhttps://www.instagram.com/creschoolshow/

In this series, Kyle sits down with Carson Baird, an industrial broker from Southwest Florida, to uncover the hidden pitfalls in industrial deals. They discuss how overlooked zoning details and unexpected easements can derail transactions, and share strategies to navigate these challenges. Carson offers insights on managing client expectations, leveraging local relationships, and using technology to streamline deal processes. Whether you're a broker, investor, or developer, this series provides practical advice to close deals efficiently and avoid costly mistakes in the competitive industrial market.Connect with CarsonLinkedInhttps://www.linkedin.com/in/carsoncre/Xhttps://x.com/Carson_CREFollow CRE School on SocialLinkedInhttps://www.linkedin.com/company/commercial-real-estate-school/?viewAsMember=trueInstagramhttps://www.instagram.com/creschoolshow/

The perfect bowl game for Southwest Florida. New rules in Olympic hockey?! The Good, the Bad, and the Ugly. Today Was The Day When.

In recent months a few interesting events happened to me that brought to light that my ability to communicate, which is something I've long prided myself on, has slipped and is in need skill development.  I have a U8 Group here in Southwest Florida that I'm working with that is the best possible re-learning ground for me.  So in this episode, I detail how I have come to realize that I need to reinvest in my own development.Support the showhttps://www.amazon.com/dp/B0CFD4NJ63/ref=sr_1_1?crid=1TQ8LSRGXV75M&keywords=belfry+offense&qid=1692096914&s=books&sprefix=belfry+offense%2Cstripbooks%2C89&sr=1-1

Imagine standing between your parents with a baseball bat at just six years old, desperate to protect your mother—that was the terrified reality that forged the unstoppable spirit of today's guest, Megan.  In this episode of Spotlight on Good People, we explore how Megan turned personal childhood trauma into a revolution, founding Better Together to save families from a broken, reactive government foster care system  We discuss how her organization acts as the "Uber of doing good," connecting isolated families in crisis with volunteer neighbors who offer temporary homes, mentorship, and jobs—keeping nearly 100,000 people together and out of the system From Naples to the Governor's office, learn how this proactive, voluntary model is proving that the power of a caring community is far more effective than government intervention  .In this episode, you will learn:Why the government foster care system is often reactive and costly ($45,000 per child) compared to proactive community support 5.How Better Together uses a volunteer-driven model to host children and help parents find work through church partnershipsThe incredible story of how Megan and her husband have hosted 25 children in their own home 11.How you can support families in Southwest Florida right now—whether by hosting, mentoring, or donating supplies https://bettertogetherus.org/ #naplesfl #sogp #ropsalons #meganrose #bettertogetherGot someone in mind who deserves the spotlight? Shoot us a text and let us know! We'd love to hear from you!

In this series, Kyle sits down with Carson Baird, anindustrial broker from Southwest Florida, to uncover the hidden pitfalls in industrial deals. They discuss how overlooked zoning details and unexpected easements can derail transactions, and share strategies to navigate these challenges. Carson offers insights on managing client expectations, leveraging local relationships, and using technology to streamline deal processes. Whether you're a broker, investor, or developer, this series provides practical advice to close deals efficiently and avoid costly mistakes in the competitive industrial market.Connect with CarsonLinkedInhttps://www.linkedin.com/in/carsoncre/Xhttps://x.com/Carson_CREFollow CRE School on SocialLinkedInhttps://www.linkedin.com/company/commercial-real-estate-school/?viewAsMember=trueInstagramhttps://www.instagram.com/creschoolshow/

In this episode of Heal Your Life Talk Show, Victoria interviewed Karen Canham, a wellness practitioner from Southwest Florida, about her work in helping people bridge the gap between doing and being through somatic experiencing and nervous system regulation. Karen explained how her approach focuses on helping people integrate body-based shifts rather than just intellectual understanding, emphasizing that resilience is a skill that can be developed through conscious practice rather than being an innate trait. They discussed Karen's PDF guide "Wired for Resilience" and her book "From Reactivity to Resilience," which offers tools for managing emotional responses and expanding personal capacity. The conversation highlighted how empaths can learn to manage their sensitivity while maintaining healthy connections with others, with Karen emphasizing that the key to transformation lies in internal boundaries and conscious self-regulation rather than simply avoiding challenging relationships.To learn more about Karen Canham, visit her ⁠WEBSITE⁠.To learn more about Victoria Johnson and Heal Your Life® Training, please visit our WEBSITE

In this episode, I speak with Jessica Souza, broker and co-owner of Paradise Exclusive Real Estate in Southwest Florida, about how brokerages can use AI to support agents, improve productivity, and create real competitive advantages. Jessica shares practical examples including custom GPT knowledge bases, community-specific AI tools, agent training, and how AI acts as a workflow multiplier rather than a shortcut. The conversation also covers leadership, delegation, and building systems that help agents focus on serving clients.  Guest: Jessica Souza Facebook - https://www.facebook.com/movingwithjess  LinkedIn - https://www.linkedin.com/in/movingwithjess  Instagram - https://www.instagram.com/movingwithjess    The Agent Playbook written by Jessica - https://a.co/d/d5MJ5ng   Host: Rajeev Sajja Website: http://www.realestateaiflash.com Facebook: https://www.facebook.com/rsajja Instagram: http://www.instagram.com/rajeev_sajja LinkedIn: http://www.linkedIn.com/in/rsajja   Resources: Join our Instagram Real Estate AI Insiders Channel - https://ig.me/j/AbZCJG37DqBPPtxi/ Subscribe to our weekly AI Newsletter: https://realestateai-flash.beehiiv.com/subscribe   

Send us a textOn the Season Seven kickoff of the Stories to Create Podcast, Cornell Bunting sits down with Bryan Blackwell, a longtime Southwest Florida resident who has proudly called Lee County home for over 35 years.Bryan spent more than two decades building and successfully selling a Financial Services practice in Fort Myers, Florida. Community involvement played a major role in that success, as Bryan consistently invested his time, treasure, and talent into local organizations, partnerships, and civic leadership—including running for the Florida State House of Representatives in 2020.A veteran of the United States Marine Corps and the Florida Army National Guard, Bryan has earned multiple honors for his service, including the Navy Commendation Medal.Now embracing his entrepreneurial spirit in a new chapter, Bryan joins the show to share how he's applying a lifetime of experience in business, management, capital, financial strategy, and marketing to the cattle industry. Partnering with family members who bring generations of expertise in beef production, Bryan is helping make healthy, American, pasture-raised beef accessible directly to people's doorsteps.In this episode, Bryan opens up about the lessons learned along the way, the importance of being intentional with time, and how purpose continues to guide his journey forward. Support the showThank you for tuning in with EHAS CLUB - Stories to Create Podcast

Click HERE to learn how to earn $10K/month in rental income & access 50% discount on RTR Academyhttps://landing.renttoretirement.com/evg-masterclass-replaySouthwest Florida continues to stand out as one of the strongest long-term real estate investment markets in the U.S. In this episode of the Rent To Retirement Podcast, host Matthew Seyoum sits down with Rent To Retirement CEO Zach Lemaster and a longtime Southwest Florida investor and builder partner to break down why new construction and build-to-rent strategies are thriving in this region.You'll learn why population growth, affordability, and pro-investor policies are driving demand, how modern building codes have changed the risk profile around hurricanes and insurance, and how investors can create immediate equity through ground-up duplex construction—without taking on construction risk themselves.This episode also covers turnkey opportunities, long-term wealth building strategies, and why focusing on fundamentals—not headlines—is critical for real estate investors looking to scale intelligently.⏱️ Episode Timestamps00:00 – Welcome to the Rent To Retirement Podcast01:00 – Why Southwest Florida is a major growth corridor03:00 – Hurricanes, insurance costs, and common investor misconceptions07:30 – New construction vs older homes: what actually holds up10:45 – Investor background: from Wall Street to Florida real estate14:30 – Ground-up construction explained (build-to-rent strategy)18:45 – How investors create equity without construction loans22:45 – Duplex vs single-family investing in today's market26:00 – Long-term wealth, leverage, and inflation advantages30:45 – Why Florida remains a top investor-friendly state

Click HERE to learn how to earn $10K/month in rental income & access 50% discount on RTR Academyhttps://landing.renttoretirement.com/evg-masterclass-replaySouthwest Florida continues to stand out as one of the strongest long-term real estate investment markets in the U.S. In this episode of the Rent To Retirement Podcast, host Matthew Seyoum sits down with Rent To Retirement CEO Zach Lemaster and a longtime Southwest Florida investor and builder partner to break down why new construction and build-to-rent strategies are thriving in this region.You'll learn why population growth, affordability, and pro-investor policies are driving demand, how modern building codes have changed the risk profile around hurricanes and insurance, and how investors can create immediate equity through ground-up duplex construction—without taking on construction risk themselves.This episode also covers turnkey opportunities, long-term wealth building strategies, and why focusing on fundamentals—not headlines—is critical for real estate investors looking to scale intelligently.⏱️ Episode Timestamps00:00 – Welcome to the Rent To Retirement Podcast01:00 – Why Southwest Florida is a major growth corridor03:00 – Hurricanes, insurance costs, and common investor misconceptions07:30 – New construction vs older homes: what actually holds up10:45 – Investor background: from Wall Street to Florida real estate14:30 – Ground-up construction explained (build-to-rent strategy)18:45 – How investors create equity without construction loans22:45 – Duplex vs single-family investing in today's market26:00 – Long-term wealth, leverage, and inflation advantages30:45 – Why Florida remains a top investor-friendly state

Brett M. Amron and Jeffrey Bast sit down with Jim Robinson, Partner at White & Case LLP in Miami, where he leads the firm's Americas Litigation Section and serves as Chair of the Americas Operations Council. Jim represents U.S. and international clients in complex, high-stakes commercial disputes and is widely respected as a tenacious litigator who believes you do not have to be difficult to be effective.Jim shares his remarkable path to the law, from growing up on a cattle ranch in Southwest Florida with professional rodeo parents to discovering his passion for litigation during law school. He reflects on the mentorship that shaped his career, why he has spent more than two decades at one firm, and what truly makes lawyers successful in Big Law and beyond. The conversation also dives into defending lawyers in malpractice matters, the importance of proactive lawyering, taking ownership of cases, clear client communication, and building strong teams through leadership and recognition.The episode closes with a personal look at life outside the courtroom, including community service, faith, family, and the joy of becoming a grandfather. This is a thoughtful and engaging conversation on professionalism, grit, and practicing law with purpose.Streaming on  YouTube, Spotify, Amazon Music, and Apple Podcasts. We are also in the top ten percent of listened-to podcasts globally.

On this in-depth episode of Fishing the DMV, we're joined by Captain Doug Goodman, a highly respected Mid-Atlantic saltwater fishing guide with decades of experience fishing the Chesapeake Bay, Maryland, Virginia, North Carolina, and Southwest Florida.Captain Doug has been fishing inshore and offshore waters since the late 1970s, earning his U.S. Coast Guard Captain's License in 2015 with the mission of sharing his passion for fishing with anglers of all ages and skill levels. He is an active member of the National Association of Charter Boat Captains, the Coastal Conservation Association, and Captains for Clean Water, and is a strong advocate for conservation-minded fishing throughout the Chesapeake Bay watershed.In this episode, we dive deep into Captain Doug's fishing journey, the rich history of the Chesapeake Bay, and the current challenges facing one of the most important estuaries in the world. We discuss saltwater fishing trends, inshore species, striped bass, redfish, speckled trout, and how kayak fishing continues to grow across the Mid-Atlantic. We also take an honest look at the Chesapeake Bay menhaden population collapse, fisheries management, conservation efforts, and what anglers—both boat and kayak fishermen—can do to protect the future of Chesapeake Bay fishing.

Join us in this episode as Amy Ingle shares her innovative approach to facial and body rejuvenation therapies. Amy is the founder and owner of Sweet Spot MediSpa in Southwest Florida, where she is dedicated to enhancing the well-being and confidence of her clients through the latest aesthetic treatments. Amy began her career with a bachelor's degree in nursing from the University of Missouri, Columbia, and is an advanced registered nurse practitioner licensed in Florida, certified by the American Association of Nurse Practitioners. In 2016, she earned her master's degree in nursing from South University in Savannah, Georgia, further refining her expertise in patient care and aesthetic medicine. The field of aesthetics evolves rapidly, and Amy ensures she stays at the forefront by completing advanced training courses in the latest technologies. She holds certifications in injectable treatments, including Botox®, Dysport®, Xeomin®, Radiesse®, Kybella®, RHA, Versa, Jeuveau, and Juvederm®, and is an expert in platelet-rich plasma (PRP) therapies and advanced weight-loss treatments. Click play to find out: How Amy combines medical expertise with artistic precision in aesthetic treatments. Why staying updated with the latest technologies is essential in modern aesthetics. The transformative role of PRP therapies and advanced injectables. How Amy creates personalized treatment plans that provide lasting, natural results. Amy understands the importance of feeling confident at any age. Join the conversation now to learn more about how she dedicates herself to providing her clients with treatments that bring lasting results! You can follow along with Amy's work on Instagram and by listening to her podcast, Glow Up and Get Real.

On this episode of #LatinosOutLoud, #RachelLaLoca chats with actress, singer, and dancerCarmen B. Sanchez—a rising star with undeniable range and charisma—who recently made her mark as school rebel ‘Jade' in Disney Channel's series Electric Bloom. The two have a blast during this interview filled with questions and answers about the series, Carmen's rise as an actress and more. She even sings us out of the episode! Don't miss this one! Electric Bloom” follows the three members of the now mega-famous pop group Electric Bloom as they look back and tell the story of their band and friendship, starting with the day they all met in high school. The girls go on a journey to becoming the biggest band in the world and the best friends in the universe. More About Carmen Born in Mexico and raised in a vibrant Cuban household, Carmen is a true triple threat—actor, singer, and dancer—who's been steadily building momentum since she stole hearts at just eight years old on La Voz Kids(Team Yankee!). That breakout moment launched a professional career that includes a national tour with Broadway's On Your Feet, a standout appearance on America's Most Musical Family alongside her dad, and guest roles on Nickelodeon's Side Hustle. Now 17, Carmen is ready for her breakout. In Electric Bloom, she plays Jade—a sharp-edged, music-loving rebel whose story mirrors Carmen's own blend of grit, rhythm, and soul. Off-screen, she fronts her own band, Carmen and the Havana Band, performing to packed crowds in Southwest Florida, and is currently writing and recording original music. #LatinosOutLoud #Podcast #Comedy #Latino #CarmenSanchez #ElectricBloom #Disney #DisneyChannel #LatinoStories #LatinoCulture #Loud Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

On this episode of #LatinosOutLoud, #RachelLaLoca chats with actress, singer, and dancerCarmen B. Sanchez—a rising star with undeniable range and charisma—who recently made her mark as school rebel ‘Jade' in Disney Channel's series Electric Bloom. The two have a blast during this interview filled with questions and answers about the series, Carmen's rise as an actress and more. She even sings us out of the episode! Don't miss this one! Electric Bloom” follows the three members of the now mega-famous pop group Electric Bloom as they look back and tell the story of their band and friendship, starting with the day they all met in high school. The girls go on a journey to becoming the biggest band in the world and the best friends in the universe. More About Carmen Born in Mexico and raised in a vibrant Cuban household, Carmen is a true triple threat—actor, singer, and dancer—who's been steadily building momentum since she stole hearts at just eight years old on La Voz Kids(Team Yankee!). That breakout moment launched a professional career that includes a national tour with Broadway's On Your Feet, a standout appearance on America's Most Musical Family alongside her dad, and guest roles on Nickelodeon's Side Hustle. Now 17, Carmen is ready for her breakout. In Electric Bloom, she plays Jade—a sharp-edged, music-loving rebel whose story mirrors Carmen's own blend of grit, rhythm, and soul. Off-screen, she fronts her own band, Carmen and the Havana Band, performing to packed crowds in Southwest Florida, and is currently writing and recording original music. #LatinosOutLoud #Podcast #Comedy #Latino #CarmenSanchez #ElectricBloom #Disney #DisneyChannel #LatinoStories #LatinoCulture #Loud

Send us a textOn the latest Stories to Create podcast, Cornell Bunting sits down with Stacy Lee-Williams, CEO of King Leo Productions, for a powerful and inspiring conversation. Together, they reflect on pivotal moments from her journey as she shares what truly makes her—and her company—exceptional.Stacy opens up about launching King Leo Productions over ten years ago, never imagining it would grow into the dynamic, full-scale production company it is today—one fueled by creativity, resilience, and community. A Caribbean immigrant who was born in Guyana, raised in a rich cultural environment, and later moved from New York to Southwest Florida, Stacy speaks candidly about longing for connection to her culture, music, and people.Rather than conforming to industry norms, she chose to challenge them. Stacy produced events many competitors considered unrealistic for the local demographic—flying in international artists while creating platforms for local creatives to shine. That fearless vision and the ability to turn bold ideas into reality, no matter the size, became the hallmark of King Leo Productions.Her commitment goes far beyond production—it's about purpose. Stacy emphasizes the importance of serving both community and clients with intention, excellence, and heart. While tools and resources are important, she believes it's the team's ability to craft seamless, unforgettable experiences that truly sets King Leo Productions apart.She also expresses deep pride in her team, acknowledging their passion, dedication, and relentless pursuit of excellence. Every event, she says, reflects not only technical expertise but a shared commitment to delivering something extraordinary.As King Leo Productions continues to evolve, Stacy looks ahead with excitement—focused on pushing creative boundaries, innovating boldly, and setting new standards in the event planning and production industry.Tune in to hear Stacy share her full story—from her roots in Guyana to growing up immersed in Caribbean culture, her move to New York, and ultimately building a brand that continues to elevate voices, culture, and community. Support the showThank you for tuning in with EHAS CLUB - Stories to Create Podcast

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

Drew Chicone is a renowned fly designer, author, and educator based in Fort Myers, Florida. Widely respected throughout the fly-fishing community, he is best known for his innovative saltwater fly patterns, hands-on teaching style, and deep knowledge of the species and ecosystems on the west coast of Florida & the Bahamas. A lifelong angler, Drew has devoted his career to studying fish behavior, refining fly-tying techniques, and creating patterns that solve real-world challenges on the water. His work has been featured in numerous national publications, and his patterns are fished by guides and anglers across the country. Drew is the founder of Salty Fly Tying, a platform through which he teaches classes, produces instructional materials, and shares the research and experimentation behind his designs. He has authored 17 fly-tying books, many of which have become staples for saltwater anglers and tiers seeking to improve their craft. He also collaborates with leading brands, guides, and conservation groups to support responsible fisheries and help anglers elevate their skills. When he's not writing or teaching, Drew can usually be found on the flats or in the backcountry around Southwest Florida—testing new materials, observing local fish, and refining the patterns that have made him one of the most recognizable names in modern fly tying.