Podcasts about Sunshine State

Let us know what you think of this episode with a text!Amongst the police, it is often said that the hotter the temperature, the higher the activity. And since Florida is hot year round, it seems that there is always something cooking for cops in the Sunshine State.Email: 3copstalk@gmail.comWebsite: https://www.3copstalk.comYoutube: https://youtube.com/channel/UCFWKMerhChCE6_s5yFqc4awFacebook: 3 Cops Talk | FacebookInstagram: https://instagram.com/3copstalk?igshid=YmMyMTA2M2Y=

In this episode of Small Biz Florida, host Tom Kindred introduces the podcast's continued mission to support and spotlight small business economic development across the Sunshine State. He's joined by Paul, CEO of the Florida High Tech Corridor, who shares his journey from Navy veteran to leading one of Florida's most dynamic innovation engines. Covering 23 counties and anchored by major research institutions like UCF, USF, and UF, the Corridor builds capacity in high tech by helping small businesses access critical resources, navigate federal funding opportunities, and collaborate with academic and private partners. Paul also emphasizes the power of in-person engagement at events like the Early Stage Venture Conference at UCF—key opportunities where capital meets innovation. This podcast episode was recorded live at the 2025 Florida Economic Development Council Conference hosted at the Sun Seeker Resort in Charlotte Harbor. This podcast is made possible by the Florida SBDC Network and sponsored by Florida First Capital. Connect with Our Guest: Florida High Tech Corridor

Cybercrime is rising, and Danny Jenkins is one of Florida's first lines of defense. As co-founder and CEO of ThreatLocker, Danny leads a global cybersecurity company headquartered right here in Florida, protecting more than 50,000 businesses from digital threats that grow more sophisticated each day.  In this episode, Danny shares his journey with SMPR President Heidi Otway from the UK to the Sunshine State and how he's helping businesses and communities stay secure. From the future of cybersecurity in Florida to the importance of staying one step ahead, Danny offers a powerful look at what it means to protect the digital landscape of the state we call home.  

Florida has long been the housing canary in the national real estate coalmine. The situation in the Sunshine State is anything but sunny with prices even outright declining in six key areas. That's just where the downturn is most pronounced right now. The excuses for an increasingly ugly housing market have worn out as the real story is finally being revealed. Eurodollar University's Money & Macro AnalysisIf you are in any way interested in precious metals,  you need to see what today's video sponsor, Monetary Metals, is doing with them at the link below: http://www.monetary-metals.com/Snider/Kenny's Channelhttps://www.youtube.com/@KenMcElroyVideo w/Jeffhttps://www.youtube.com/watch?v=hDQunoS96X4FRB Vice Chair Michelle Bowman Unintended Policy Shifts and Unexpected Consequenceshttps://www.federalreserve.gov/newsevents/speech/bowman20250623a.htmNAR Existing-Home Sales Report Shows 0.8% Increase in Mayhttps://www.nar.realtor/newsroom/nar-existing-home-sales-report-shows-0-8-increase-in-mayNewsweek Most Florida Housing Markets Are in Troublehttps://www.newsweek.com/most-florida-housing-markets-trouble-2086554Bloomberg US Spring Homebuying Season Has Its Weakest Start in Five Yearshttps://www.bloomberg.com/news/articles/2025-05-14/us-spring-homebuying-season-has-its-weakest-start-in-five-yearsBloomberg US Home Resales Stay Sluggish on Affordability Constraintshttps://www.bloomberg.com/news/articles/2025-06-23/us-home-resales-stay-sluggish-on-affordability-constraintsNAR May 2024https://www.nar.realtor/newsroom/nar-chief-economist-lawrence-yun-predicts-falling-long-term-interest-rates-rising-existing-homehttps://www.eurodollar.universityTwitter: https://twitter.com/JeffSnider_EDU

Florida, Florida State, and Miami are battling to keep top in-state recruits from leaving. Which prospect do the Gators, Seminoles and Hurricanes each need the most?Alabama begins its recruiting run with a budding quarterback talent, Georgia begins to dig into top prospects and probably commitments, and UCLA makes a splash in the Sunshine State.On X @LO_ThePortalTikTok @lockedontheportalSupport us by supporting our sponsors!GametimeToday's episode is brought to you by Gametime. Download the Gametime app, create an account, and use code LOCKEDON for $20 off your first purchase. Terms apply. Download Gametime today. What time is it? Gametime.Monarch MoneyTake control of your finances with Monarch Money. Use code LOCKEDONCOLLEGE at monarchmoney.com for 50% off your first year.FanDuelRight now, new customers can get TWO HUNDRED DOLLARS in BONUS BETS when your first FIVE DOLLAR BET WINS! Download the app or head to FANDUEL.COM to get started. Bet with FanDuel—Official Partner of the NBA.FANDUEL DISCLAIMER: 21+ in select states. First online real money wager only. Bonus issued as nonwithdrawable free bets that expires in 14 days. Restrictions apply. See terms at sportsbook.fanduel.com. Gambling Problem? Call 1-800-GAMBLER or visit FanDuel.com/RG (CO, IA, MD, MI, NJ, PA, IL, VA, WV), 1-800-NEXT-STEP or text NEXTSTEP to 53342 (AZ), 1-888-789-7777 or visit ccpg.org/chat (CT), 1-800-9-WITH-IT (IN), 1-800-522-4700 (WY, KS) or visit ksgamblinghelp.com (KS), 1-877-770-STOP (LA), 1-877-8-HOPENY or text HOPENY (467369) (NY), TN REDLINE 1-800-889-9789 (TN)

Trash Monkeys and Stun Guns: A Miami Punk StoryJoin us as we explore the history of two seminal Miami bands, Trash Monkeys and Stun Guns, with George Kelley on bass guitar and Mark Feehan on guitar. George and Mark will take us through the origins of both bands, from the earliest days pre-Trash Monkey days of performance art band Verbal Circus.Trash Monkeys were once the house band at Churchill's, one of Miami's most iconic venues. The Stun Guns played throughout Florida and toured, even making it to the infamous Gilman Street punk club in Southern California. They recorded with the late Hal Spector at Sync Studios, wJeremy DuBois and Dan Destructo of No Fraud. Expect plenty of fun stories, laughs, and more!

In this episode, we head to Bonita Springs, Florida, for an inside look at the Florida Citrus Mutual Annual Conference, where the heart of the Sunshine State's citrus community gathered last week. From growers and packers to scientists, shippers, marketers, and environmental advocates—this event brought together the brightest minds and the most passionate people working to secure the future of Florida citrus.Host Patrick Kelly recaps the biggest moments from the conference, including groundbreaking discussions on new citrus varietals, innovative HLB (citrus greening) research, and the marketing strategies poised to keep Florida citrus strong and competitive.

Orange juice is Florida's official beverage. But you probably didn't need us to tell you that.Ever since the Spanish introduced citrus to Florida in the late 15th century, orange juice has been synonymous with the Sunshine State. In fact, nearly all of Florida's orange crop is used for juice.But how much OJ are people actually drinking these days? And how can growers combat citrus greening—a disease that destroys the fruit?For answers, we turned to Celéste Walls, spokeswoman for the Bartow-based  Florida Department of Citrus. In this conversation, Celéste explains the role of Florida orange juice in American history, gives an update on the current state of Florida's orange juice industry and suggests ways to cook with the Sunshine State's favorite drink.Related episodes:History of Citrus in the Sunshine StateFrom Florida to France: Food Writer Jamie Schler on Cooking with Oranges, French Hotel Life and MoreAuthor Craig Pittman on Quirky—and Hilarious—Florida Food Stories

Orange juice is Florida's official beverage. But you probably didn't need us to tell you that.Ever since the Spanish introduced citrus to Florida in the late 15th century, orange juice has been synonymous with the Sunshine State. In fact, nearly all of Florida's orange crop is used for juice.But how much OJ are people actually drinking these days? And how can growers combat citrus greening—a disease that destroys the fruit?For answers, we turned to Celéste Walls, spokeswoman for the Bartow-based  Florida Department of Citrus. In this conversation, Celéste explains the role of Florida orange juice in American history, gives an update on the current state of Florida's orange juice industry and suggests ways to cook with the Sunshine State's favorite drink.Related episodes:History of Citrus in the Sunshine StateFrom Florida to France: Food Writer Jamie Schler on Cooking with Oranges, French Hotel Life and MoreAuthor Craig Pittman on Quirky—and Hilarious—Florida Food Stories

It's an off day in the Stanley Cup Final, but there's still plenty to talk about on Oilersnation Everyday as the boys are live from Florida! After a Game 3 to forget, the Edmonton Oilers are looking to bounce back in a must-win Game 4 tomorrow night. With the Panthers now holding a 2-1 series lead, we'll break down the biggest storylines heading into Thursday's pivotal matchup.What changes—if any—should Kris Knoblauch make to the Oilers lineup? Could we see a goalie change with Calvin Pickard potentially getting the nod over Stuart Skinner? Is Edmonton's discipline the key to clawing back in the series, or is it just about finding another level from the big guns?We'll talk about all of that and more, live from the Sunshine State, as we get you set for a massive Game 4. Tune in for lineup speculation, tactical breakdowns, a vibe check from Oilers Nation on the road, and some fun stories from the trip so far.Website: https://oilersnation.com/ https://twitter.com/OilersNation/ https://www.youtube.com/@Oilersnationdotcom/ https://www.facebook.com/OilersNation/https://www.instagram.com/oilersnationdotcomhttps://www.tiktok.com/@oilersnation SHOUTOUT TO OUR SPONSORS!!

Florida's immunity from national & global economic hiccups has been tested the past two years. As we enter the heat of summer, tourism remains robust across the Sunshine State, particularly along the First Coast. In this episode, JBJ Managing Editor Stuart Korfhage welcomes St. George Inn Owner Irving Kass to the podcast with an update.

Charles Foschini, Florida resident and senior managing director at Berkadia, earned three degrees at the University of Miami, en route to transacting $26 billion in real estate deals in more than 25 U.S. states. Along the way he transplanted from his native New Jersey to the Sunshine State and has observed many changes since his early days there. He shares his observations during this episode. (06/2025)

Charles Foschini, Florida resident and senior managing director at Berkadia, earned three degrees at the University of Miami, en route to transacting $26 billion in real estate deals in more than 25 U.S. states. Along the way he transplanted from his native New Jersey to the Sunshine State and has observed many changes since his early days there. He shares his observations during this episode. (06/2025)

The Stanley Cup Final shifts to the Sunshine State as the Edmonton Oilers and Florida Panthers gear up for Game 3! This rematch of last year's Final has more than lived up to the hype, with both opening games going to overtime. After Edmonton's thrilling Game 1 win, the Panthers answered back in Game 2 with a 5-4 OT victory on a Brad Marchand game-winner. With the series tied 1-1, the Oilers now look to reclaim the lead on enemy ice in Florida.We've got everything you need to get set for tonight's pivotal Game 3 — including our full lineup report, game notes, the Giant Question, and today's bet365 Gameday Betting Challenge. Plus, the boys are live from Florida for today's episode, bringing the heat and energy on the road! We'll also be joined by Sportsnet analyst and former Oiler Louie DeBrusk to get his thoughts on the opening two games and how a change in scenery could impact the series going forward.Website: https://oilersnation.com/ https://twitter.com/OilersNation/ https://www.youtube.com/@Oilersnationdotcom/ https://www.facebook.com/OilersNation/https://www.instagram.com/oilersnationdotcomhttps://www.tiktok.com/@oilersnation SHOUTOUT TO OUR SPONSORS!!

Ryan and Dustin dive into the world of sports, tackling everything from MLB attendance woes to Stanley Cup thrills. They welcome Belly Up's fantasy guru Kevin Wilson to discuss the Miami Marlins' empty stadium saga and the state of MLB in Florida in general. Does MLB have a future in the Sunshine State? Plus, the panel dishes out their takes on the first two games of the Stanley Cup Final between Edmonton and Florida. Plus, the guys serve up their top picnic side dishes and pay homage to their favorite number 41s in sports history. No Credentials Required is part of Belly Up Sports Media Network. Belly Up Sports: www.bellyupsports.com | www.youtube.com/@bellyupsports Fanatics: This episode's affiliate sponsor is Fanatics! Shop for your favorite team's gear, plus trading cards, fan memorabilia, and more! Use our affiliate link to support the show: https://fanatics.93n6tx.net/bOqrrb Follow No Credentials Required on social media: X/Instagram: @nocredsreq Facebook: www.fb.com/nocredsreq YouTube: www.youtube.com/@nocredsreq MERCH! Check out our Bonfire store and show the world you're a Cred Head! | https://www.bonfire.com/store/no-credentials-required/ Join our Discord server for more sports conversation: https://discord.gg/WknBEUQY Learn more about your ad choices. Visit megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Donald Trump calls Susie Wiles the “ice maiden” for her ability to stay cool under pressure. It's an invaluable skill in her role as White House Chief of Staff - responsible for who has access to the President. Aged 68, Susie Wiles has spent more than 40 years in Republican politics – steering powerful men to elected office. She's worked for US presidents, governors, mayors and Congress members. But she likes to stay out of the limelight. Most of her experience has been in Florida, where she's had a string of political success stories. Including big names like Senator Rick Scott and Ron DeSantis – running their campaigns to become governor of the Sunshine State. Back in 2015, Donald Trump was a long shot for President, so he turned to Wiles for help winning Florida. His victory in the state helped him clinch the White House in 2016. As Trump's campaign manager for the 2024 run, Susie Wiles is widely credited with running what many regard as Trump's most disciplined and strategic campaign. Susie Wiles grew up in New Jersey. Her father, Pat Summerall, was a professional football player and later a famous sports broadcaster. But, he was an alcoholic and he credits his daughter for helping him overcome his addiction. Stephen Smith talks to friends, colleagues and commentators to find out how events in Susie Wiles' life have shaped her to become one of President Trump's most trusted advisors – doing a job widely considered to be one of the most important in Washington. Presenter: Stephen Smith Producers: Bob Howard and Sally Abrahams Production Co-ordinator: Sabine Scherek Sound: David Crackles Editor: Nick HollandCredits: Susie Wiles interview with Lara Trump on Fox News, March 2025 The Apprentice, Episode1, Series 1, 2004 on NBC. Produced by Mark Burnett and Donald Trump CNN Florida Gubernatorial Debate - Ron DeSantis vs Andrew Gillum Oct 21, 2018

First: We have brand new reporting on one of the most epic and heated breakups in the history of politics. Dana spoke to President Trump this morning about why he has no plans to call his former first buddy Elon.  Plus: Will this big, not-so-beautiful breakup help or hurt Trump's massive tax and spending bill? We're watching the signals today on Capitol Hill, where Republicans feel stuck in the middle of a billionaire's brawl.  And: Attempting a Sunshine State switcheroo, Republican congressman David Jolly talks about his bid to become the first Democrat in three decades to lead what is now ruby red Florida.  Learn more about your ad choices. Visit podcastchoices.com/adchoices

Today on America in the Morning  The Trump-Musk Bromance Ends The bromance between the world's most powerful man and the world's richest man has come to a shocking end.  President Trump says he's not sure if he and Elon Musk will remain friends after the billionaire's departure from the administration, which has devolved into an online shouting match of accusations.  Jim Roope has the latest on what is now an escalating Trump-Musk feud.   Trump's Busy White House Day Along with commenting on Elon Musk, President Trump had a full day of events at the White House, which included his call with China's leader Xi Jinping, and an Oval Office visit with Germany's new chancellor.  Washington correspondent Sagar Meghani has details.   Musk A Budget Question Mark The fallout between President Trump and Elon Musk could have implications on the President's spending bill.  Correspondent Clayton Neville reports.   Jolly To Run In Florida There's a political shift in Florida where former Republican Congressman and Donald Trump critic David Jolly has filed to run as a Democrat in the Sunshine State's Governor's 2026 election.     Judge's Threat In Diddy Trial In New York this week, the trial for Sean 'Diddy' Combs has included testimony from former girlfriends and a bodyguard, and now a serious warning to the disgraced music mogul from the judge.  Correspondent Julie Walker reports.   Stolen Instrument Arrest They went to perform in Atlantic City, that is, until someone stole their instruments.  Lisa Dwyer reports that there's been an arrest after guitars were stolen from the rock band Heart.     Reaction To Trump Travel Ban Correspondent Lisa Dwyer reports on reaction to the Trump administrations new list of 19 nations facing either a full ban or restrictions, and what that means for one country in particular once allied with the United States.    Court Frees MassachusettsTeen A teenager in Massachusetts is out on bond after being detained by Immigration officials who were looking for his father.  Correspondent Clayton Neville reports.    Soliman Officially Charged The suspect in last Sunday's attack on a march for Israeli hostages being held in Gaza was formally charged with 118 state criminal charges, including 28 counts of attempted murder.   Prosecutors filed formal charges against 45-year-old Mohamed Soliman.  Finally   It was 81 years ago today that American and Allied troops participated in Operation Overlord.  D-Day as it became known was the largest seaborne invasion in history. Learn more about your ad choices. Visit podcastchoices.com/adchoices

Stephanie Miller dives headfirst into the hot topic of David Jolly's surprising gubernatorial run in Florida – what does this mean for the Sunshine State's political future, and are the Democrats finally getting spicy? Plus, the brilliant Karl Frisch joins the fray! Tune in for your daily dose of sanity (and hilarious exasperation) in this political circus.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

It's finally Stanley Cup Final time! It's a rematch from last year's Cup Final between the defending champion Florida Panthers and the Edmonton Oilers. Can the Panthers repeat as Champions to keep the Stanley Cup in the Sunshine State again, or will Connor McDavid and the Oilers finally bring the Cup back to Canada after 32 years? Jay Zawaski and Mario Tirabassi give their predictions and more on this episode of the CHGO Blackhawks Podcast!

The Sportsmen's Voice Roundup for this week kicks off with CSF's Assistant Manager, Northeastern States Christian Ragost for our lead story regarding the imminent “assault” weapons ban in Rhode Island, the implications for law-abiding citizens - including criminalizing important safety accessories such as barrel shrouds (which prevent burns from contact with gun barrels), thumbholes in shotgun stocks, and more, along with the impact on conservation funding. Christian and Fred explore the political dynamics surrounding the legislation and the ongoing challenges faced by the firearms community. Fred then transitions to cover the rest of the news fit to print about the great outdoors this week, including the introduction of the Forest Conservation Easement Program, the potential reestablishment of a black bear hunting season in Florida, the Hawaii Wildlife Conservation and Game Bird Stamp contest, and a recap of sporting bills in the Missouri legislative session. Takeaways Rhode Island “Assault” Weapons Ban: This imminent ban would criminalize several important safety accessories as ‘assault weapons' including barrel shrouds (which protect your hand from burns associate with barrel heat), thumbholes in shotgun stocks, pistol grips, extendable or telescopic stocks to better fit competitive shooters, and more.  The Forest Conservation Easement Program: Private forests comprise 58 percent of all forestland in the U.S. and face significant conversion pressure from housing and urban development. The U.S. could lose a net of 37 million acres (15 million hectares) — the size of Illinois — of forest by 2060. To address the growing suite of pressing environmental and societal challenges in front of us, we must provide opportunities for private forestland and forest landowners of all types and sizes to protect and conserve their land now and for future generations. Florida Black Bear Hunting Season: Florida is considering instituting a management hunt to better control the black bear population in the Sunshine State.   Get the FREE Sportsmen's Voice e-publication in your inbox every Monday: www.congressionalsportsmen.org/newsletter   Sign up for FREE legislative tracking through CSF's Tracking the Capitols tool: www.congressionalsportsmen.org/tracking-the-capitols/ Learn more about your ad choices. Visit megaphone.fm/adchoices

Send us a text Join Ronnie as he bravely faces the terrifying unknown of a new job (will he survive?). Brian, meanwhile, is battling the epic first-world problem of returning a slightly less-than-perfect wok. Hear tales of smoky sausage disappointment and the ongoing war against unexpected rain. We're basically functioning adults... mostly. Tune in for life updates from two people who are just winging it.What we drankRonnie - Crank Arm Brewing - Jimmy's Bike Drive Coastal LagerBrian - Deep River Brewing Co - PickletownSTAY CREAMY

Allyson Sullivan sits down with her go-to tax consultant, Maxwell Lorrow, for a refreshingly real conversation that breaks down what the 2017 SALT tax cap meant for high-income homeowners — and why recent changes could shift the real estate landscape once again. From the inside scoop on Florida's tax-friendly laws to Maxwell's no-shame approach to finances, this episode delivers financial clarity without the confusion.Whether you're a seasoned investor, a Florida transplant, or just tax-curious, you'll learn why the Sunshine State continues to be a magnet for smart homeowners. Plus, Allyson shares a few personal gems about homestead exemptions, school vouchers, and why some celebs might be buying homes in Miami for more than just the beach views.Contact Allyson Sullivan:Email: AllysonSL@hotmail.comIG: @allysonsullivanrealtorWebsite: www.allysonsullivan.com

This week, we catch up on headlines from the last month, discuss the glory of hockey in the Sunshine State, and check in for the Baby Owl Shower at the Audubon Center for Birds of Prey. Check out the Community Paper here in Orlando!   Pick up your copy of FLORIDA! right here! Thank you to Chelsea Rice for her incredible design of our logo! Follow Chelsea on Instagram here!   All of the music was originally composed.

In this select rebroadcast episode KJ explores the legend of the Pigman of Northfield Vermont. And Bill reviews an epic Bigfoot adventure from the 1950s reported by an avid hunter reflecting back on a youthful hunting trip outside of rural Ocala Florida. And some great listener mail from many of you so please join us!  Thank you for listening!www.bigfootterrorinthewoods.comProduced by: "Bigfoot Terror in the Woods L.L.C."

In hour one, Mike & Jason look back at the previous day in sports including the Panthers knocking off the Canes and heading back to the Stanley Cup Finals (3:00), plus they look to tonight's Oilers Stars tilt with Sportsnet NHL host David Amber (29:52), to see if we might see a repeat of last year's SCF matchup.  This podcast is produced by Andy Cole and Greg Balloch. The views and opinions expressed in this podcast are those of the hosts and guests and do not necessarily reflect the position of Rogers Media Inc. or any affiliate.

Behind The Metal: Mark Rodriguez on Tampa's Silent Scream and MoreMark shares his story of growing up in Tampa, from his early days as a surf punk attending concerts at the Bayfront Center and Lakeland Civic Center, to discovering the local bay-area music scene at venues like the Ruby's, Sunset Club, and the Brass Mug. He recounts the origins of Silent Scream, including recording three demo cassettes ('Endless Cries', 'Pieces of Reality', and 'Beyond Belief'), playing venues such as the Sunset Club, Brass Mug, Volley Club, Rocket Club, The Ritz, and opening for notable bands like Pantera, Type O Negative, Yngwie Malmsteenheand, the Plasmatics. Mark also reflects on the emerging Tampa death metal scene, centered around Morrisound Studios, playing shows in Tallahassee, Jacksonville, and Orlando, and insights into his art, creations, and more.

Josh Hammer explains why the state of Florida must remain the "place where woke goes to die" and reject the bid of leftist Santa Ono to run the Sunshine State's flagship public university.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

On today's Front Page: President Trump is considering canceling all federal contracts with Harvard University, Florida Gov. Ron DeSantis wants to lower and eventually eliminate property taxes in the Sunshine State, and more.

Tonight we head to the Sunshine State for spooky tales of disembodied voices, strange glowing orbs, an unsettling experience in the woods and much more. Keep it spooky and enjoy! Season 19 Episode 13 of Monsters Among Us Podcast, true paranormal stories of ghosts, cryptids, UFOs and more, told by the witnesses themselves. SHOW NOTES:  Support the show! Get ad-free, extended & bonus episodes (and more) on Patreon - https://www.patreon.com/monstersamonguspodcast Tonight's Sponsor -  https://www.monstersamonguspodcast.com/sponsors MAU Merch Shop - https://www.monstersamonguspodcast.com/shop Watch FREE - Shadows in the Desert: High Strangeness in the Borrego Triangle  - https://www.borregotriangle.com/ Monsters Among Us Junior on Apple Podcasts  - https://podcasts.apple.com/us/podcast/monsters-among-us-junior/id1764989478 Monsters Among Us Junior on Spotify - https://open.spotify.com/show/1bh5mWa4lDSqeMMX1mYxDZ?si=9ec6f4f74d61498b Seminole Little People info - https://axismundi.blog/en/2016/01/02/il-piccolo-popolo-nel-folklore-dei-nativi-americani-del-sud-est/ Top 10 Florida Cities for UFO sightings - https://stacker.com/stories/florida/cities-most-ufo-sightings-florida Music from tonight's episode: Music by Iron Cthulhu Apocalypse - https://www.youtube.com/c/IronCthulhuApocalypse CO.AG Music - https://www.youtube.com/channel/UCcavSftXHgxLBWwLDm_bNvA Music by White Bat Audio - https://www.youtube.com/@WhiteBatAudio White Bat Audio Songs: Monolith Light Years Necromancer Pitch Black

Are you ready for hurricane season?

 School is out, and summer is heating up, but it's not too late to book that perfect Florida summer vacation. Whether you're craving pristine beaches, plentiful nature & outdoor adventures, or flavorful food, there are destinations in the Sunshine State that deliver it all without breaking the bank! Travel journalist and Florida native Carmen Ordonez is sharing her top travel tips for crafting the ultimate summer vacation. From family favorites to hidden gems, Carmen is the perfect guide to help.Carmen Ordonez is a leading on-air lifestyle and travel expert, TV Host, Spokesperson and founder behind Viva Fashion. She has appeared in several media outlets including The New York Times, The TODAY Show, Univision, Glamour, Cosmopolitan, CNN, Telemundo and InStyle Magazine to name a few. She is currently the host of "ION Style" on the ION Television Network and shares her practical lifestyle advice on various TV shows including Telemundo's Un Nuevo Dia and Univision's Desiderata America. Prior to launching Viva Fashion, Carmen worked as an entertainment and fashion reporter in Miami.Become a supporter of this podcast: https://www.spreaker.com/podcast/late-night-health-radio--2804369/support.

 School is out, and summer is heating up, but it's not too late to book that perfect Florida summer vacation. Whether you're craving pristine beaches, plentiful nature & outdoor adventures, or flavorful food, there are destinations in the Sunshine State that deliver it all without breaking the bank! Travel journalist and Florida native Carmen Ordonez is sharing her top travel tips for crafting the ultimate summer vacation. From family favorites to hidden gems, Carmen is the perfect guide to help.Carmen Ordonez is a leading on-air lifestyle and travel expert, TV Host, Spokesperson and founder behind Viva Fashion. She has appeared in several media outlets including The New York Times, The TODAY Show, Univision, Glamour, Cosmopolitan, CNN, Telemundo and InStyle Magazine to name a few. She is currently the host of "ION Style" on the ION Television Network and shares her practical lifestyle advice on various TV shows including Telemundo's Un Nuevo Dia and Univision's Desiderata America. Prior to launching Viva Fashion, Carmen worked as an entertainment and fashion reporter in Miami.Become a supporter of this podcast: https://www.spreaker.com/podcast/late-night-health-radio--2804369/support.

Keisha Wright is a professional life coach from the Sunshine State of Florida, who like many others, spent her early years doing what she was “supposed” to do. She went to school, became a teacher, wife, and mother, and her life was seemingly normal, until it wasn’t. She went from working in the school system to raising a family and then, all of a sudden, she was faced with tragedy she didn’t know how to deal with. She then found herself in counseling and was told it was going to take 3-5 years to fully recover from her trauma. That’s when something within her changed. She thought to herself, “I can’t hang on that long, there must be a better way”. And in that moment of desperation, she remembers telling God “if you can get me out of this, I will dedicate the rest of my life to teaching others how to do the same.” That’s when she was blessed with meeting a woman who offered to help her overcome her trauma. Throughout her healing journey this friend/coach taught Keisha the way forward and as she began doing the work, she ended up developing the foundations of the Emotional Recovery Clinic. Once healed, Keisha spent the next 12 years volunteering her time to help others recover, as well as establish her own practice, Women’s Recovery Clinic. She spent her time traveling across the country teaching both women and men how to heal their trauma. Now, Keisha continues to uphold that same vision and mission as she jumps into life with others when their going gets tough and everything seems to be falling apart. Like her friend/coach did for her, she walks this journey of recovery with people until it becomes their new normal. Her purpose is clear: to teach you the way out, as none of us are born knowing how to put our lives back together. Find Out More About Keisha & The Emotional Recovery Clinic: https://emotionalrecoveryclinic.org/home/#meet_keisha Christian Care Connect: https://christiancareconnect.com Discover more Christian podcasts at lifeaudio.com and inquire about advertising opportunities at lifeaudio.com/contact-us.

As we say every week, this podcast celebrates cuisine and community in the Sunshine State. A fun way to foster community is to host a plant and seed swap. Not only will you get to know your neighbors, but you'll come away with seeds and cuttings for your edible garden.Hosting the event doesn't have to be intimidating or time-consuming. Here to show us the ropes is Ginain Grayes, founder of Cook Pray Slay, where she shares recipes, gardening advice and lifestyle tips. She also hosts the Cook the Garden podcast. Ginain has organized several plant and seed swaps for her neighborhood. Dalia visited Ginain at her home in Riverview. As they sat at her dining room table sipping homemade Hibiscus Lime Refreshers, Ginain shared why summer is the perfect time to host a plant and seed swap. In this conversation, she also offers tips for organizing your own event, suggests vegetables that grow well in the summer heat and explains how to use the warmer months to prep your garden for Florida's next big growing season.To get Ginain's digital Host Your Own Plant & Seed Swap Guide, click here.Related episodes:For Ginain Grayes of CookPraySlay & Cook the Garden, Growing Food Is a Spiritual ExperienceSpring Reset: Get Your Garden, Grill & Pantry Ready for the Season with Tips from Southern Kitchen's Mackensy LunsfordGuac This Way: Sleepy Lizard Avocado Farm in the Everglades Specializes in Florida (Green) Avocados

Marc Hershberg, Managing Partner and CEO at Topaz Capital, joins us to unpack the real story behind Florida's multifamily market. While headlines tend to spotlight Florida's coastal glamour, Marc takes us beyond the beach by highlighting why inland markets, workforce housing, and Class B assets are where the smart money is headed. We discuss the strategic importance of inland geography, the philosophy of "market-first, deal-second", the risks of climate-driven insurance volatility, and how foreign capital is approaching the Sunshine State.Tune in for a grounded, forward-looking conversation you won't want to miss. Key Moments:00:58 Mark Hershberg's early real estate journey02:33 Launching Topaz Capital: Opportunities and challenges05:32 Topaz Capital's current operations and strategy08:43 Investment focus: Workforce housing in Florida11:10 Recent deals and investment strategies13:00 The 1031 Exchange platform15:08 Florida's multifamily market: Risks and opportunities25:29 Foreign investment and local knowledge28:01 Using data analytics for investment decisions29:09 Outlook for multifamily investments Resources Mentioned:Marc Hershberg - https://www.linkedin.com/in/marchershberg/Topaz Capital Group - https://topazcg.com/Email us - altusresearch@altusgroup.comThanks for listening to the “CRE Exchange” podcast, powered by Altus Group. If you enjoyed this episode, please leave a review to help get the word out about the show. And be sure to subscribe so you never miss another insightful conversation.#CRE #CommercialRealEstate #Property

South Florida's Punk Roots: Mike 'Milo' Lesser and Gay Cowboys In BondageFor the first time, Mike 'Milo' Lesser, a South Florida punk pioneer, shares his story. As the vocalist of Gay Cowboys In Bondage, one of the region's earliest hardcore punk bands, Mike recounts his early days attending iconic venues like the Hollywood Sportatorium and Finders, where he saw in their infancy, influential bands like Black Flag and Misfits. He dives into the formation of Gay Cowboys In Bondage, who initially went by Social Risk, and their notable appearances, including infiltrating a Battle of the Bands at Piper High School (Broward County) and opening for the Minutemen at Flynn's in Miami Beach. Mike also reminisces about playing with Roach Motel, recording at Sync Studios, and the significance of Open Books and Records. He fondly recalls friends and bandmates, including Libby Bentley, Charlie Pickett, Malcolm Tent, and Pete Moss (R.I.P.). The story also covers the band's discography, including their debut demo "We're Not Gay But The Music Is" (1983), the 7" EP "Owen Marshmallow Strikes Again" (1984), and a 2005 CD compilation of their work from 1983-1984.

As we say every week, this podcast celebrates cuisine and community in the Sunshine State. A fun way to foster community is to host a plant and seed swap. Not only will you get to know your neighbors, but you'll come away with seeds and cuttings for your edible garden.Hosting the event doesn't have to be intimidating or time-consuming. Here to show us the ropes is Ginain Grayes, founder of Cook Pray Slay, where she shares recipes, gardening advice and lifestyle tips. She also hosts the Cook the Garden podcast. Ginain has organized several plant and seed swaps for her neighborhood. Dalia visited Ginain at her home in Riverview. As they sat at her dining room table sipping homemade Hibiscus Lime Refreshers, Ginain shared why summer is the perfect time to host a plant and seed swap. In this conversation, she also offers tips for organizing your own event, suggests vegetables that grow well in the summer heat and explains how to use the warmer months to prep your garden for Florida's next big growing season.To get Ginain's digital Host Your Own Plant & Seed Swap Guide, click here.Related episodes:For Ginain Grayes of CookPraySlay & Cook the Garden, Growing Food Is a Spiritual ExperienceSpring Reset: Get Your Garden, Grill & Pantry Ready for the Season with Tips from Southern Kitchen's Mackensy LunsfordGuac This Way: Sleepy Lizard Avocado Farm in the Everglades Specializes in Florida (Green) Avocados

This week on The FratChat Podcast, we bring you The Florida Man Files—where logic takes a vacation and the Sunshine State brings the thunder (and a little bit of meth). We brought in Florida's own Ron Prendimano, the official FratChat ambassador of the Everglades, to defend the indefensible: real, unfiltered Florida Man stories. From gator-tossing at Wendy's to drunken lawnmower DUIs and impromptu GameStop heists with see-through masks, Ron hears these all for the first time—and tries, against all odds, to justify them. Can a man really be trapped in an unlocked closet for two days? Why yes, in Florida he can. And that's just the tip of the swamp. Plus, in FratChat News, we dive into a tale of consumer fraud when a man attempted to buy a Trump watch ended in epic eBay fail—because apparently, time scams when you're having fun. And in our signature segment Not the Drag Queens!, we tackle the latest case of outrage being directed entirely in the wrong direction. So grab your crime-pays t-shirt, hold onto your pizza, and tune in for an episode that proves, once again, Florida isn't just a place—it's a lifestyle. And possibly a court case waiting to happen. Its the FratChat Podcast! Got a question, comment or topic for us to cover? Let us know! Send us an email at fratchatpodcast@gmail.com or follow us on all social media: Instagram: http://Instagram.com/FratChatPodcast Facebook: http://Facebook.com/FratChatPodcast Twitter: http://Twitter.com/FratChatPodcast YouTube: http://YouTube.com/@fratchatpodcast Follow Carlos and CMO on social media! Carlos:  IG: http://Instagram.com/CarlosDoesTheWorld YouTube: http://YouTube.com/@carlosdoestheworld TikTok: http://TikTok.com/@carlosdoestheworld Twitter: http://Twitter.com/CarlosDoesWorld Threads: http://threads.net/carlosdoestheworld Website: http://carlosgarciacomedy.com Chris ‘CMO' Moore:  IG: http://Instagram.com/Chris.Moore.Comedy TikTok: http://TikTok.com/@chris.moore.comedy Twitter: http://Twitter.com/cmoorecomedy

In this select rebroadcast episode KJ explores the legend of the Pigman of Northfield Vermont. And Bill reviews an epic Bigfoot adventure from the 1950s reported by an avid hunter reflecting back on a youthful hunting trip outside of rural Ocala Florida. And some great listener mail from many of you so please join us! Thank you for listening! www.bigfootterrorinthewoods.com Produced by: "Bigfoot Terror in the Woods L.L.C."

Desmond Meade is a MacArthur Genius Grant Fellow; a Nobel Peace Prize nominee, and having been named one of the 100 most influential people in the world by Time Magazine. He's also's author of the 2020 book “Let My People Vote: My Battle to Restore the Civil Rights of Returning Citizens.”Desmond is President of the Florida Rights Restoration Coalition -- the organization that led the successful effort to restore voting rights to some 1.4 million former felons in FL. The amendment passed with nearly 65% support. Desmond was born in St. Croix but grew up in Miami, and after a time in the Army, he found himself addicted and homeless in Miami. He served time in jail for felony drug possession, and after a fight with his brother was convicted of aggravated battery, also a felony. Then, in 2001, he was convicted of possession of a firearm as a felon and sentenced to 15 years in prison. An appeals court reversed that conviction and he was released, but still a convicted felon with no right to vote in the Sunshine State.Desmond graduated from Miami-Dade College in 2010 while living in a homeless shelter, enrolled in the FIU College of Law, graduating in 2013, joining the Florida Rights Restoration Coalition while in law school.ppearances on CNN, MSNBC, 60 Minutes, and Fox TV demonstrates his ability to appeal to and inspire people from all walks of life.SONG 1: "Lose Yourself" by Eminem from the soundtrack to the 2002 movie 8 Mile. https://youtu.be/xFYQQPAOz7Y?si=RFYS3pPTCqZAnVOTSONG 2: "We Are the World" - the charity single originally recorded by the supergroup USA for Africa in 1985. It was written by Lionel Richie and Michael Jackson and produced by Quincy Jones. https://youtu.be/9AjkUyX0rVw?si=jPzSQ23ydm5wl6yNSONG 3: "Freedom" by King Blackman ft Ronnie VOP, Desmond Meade.https://youtu.be/95Nc4JF_NpE?si=JcXPdk3muIVwnt2T

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John is joined by former Florida Republican congressman David Jolly to discuss Donald Trump's trip to the Mideast and the naked corruption on display in his embrace of a $400 million 747 gifted by Qatar to serve as a new Air Force One; disarray among House Republicans over the “one big, beautiful bill," and Jolly's defection to the Democratic Party ahead of an all but certain run for governor in the Sunshine State in 2026. To learn more about listener data and our privacy practices visit: https://www.audacyinc.com/privacy-policy Learn more about your ad choices. Visit https://podcastchoices.com/adchoices

In this Roofing Road Trips® episode, join host Megan Ellsworth as she sits down with Manny Oyola, Jr., president of the Florida Roofing and Sheet Metal Contractors Association (FRSA), to discuss the 103rd FRSA Convention and Expo. As one of the largest regional roofing trade shows in the country, this year's event promises exciting opportunities for education, networking and industry innovation. Manny shares what attendees can expect, what makes this year's show special and how FRSA continues to support and elevate roofing professionals across the state of Florida and beyond. Tune in for a behind-the-scenes look at the heart of the Sunshine State's roofing community.   Learn more at RoofersCoffeeShop.com!  https://www.rooferscoffeeshop.com/     Are you a contractor looking for resources? Become an R-Club Member today! https://www.rooferscoffeeshop.com/rcs-club-sign-up     Sign up for the Week in Roofing!  https://www.rooferscoffeeshop.com/sign-up     Follow Us!   https://www.facebook.com/rooferscoffeeshop/   https://www.linkedin.com/company/rooferscoffeeshop-com   https://x.com/RoofCoffeeShop   https://www.instagram.com/rooferscoffeeshop/   https://www.youtube.com/channel/UCAQTC5U3FL9M-_wcRiEEyvw   https://www.pinterest.com/rcscom/   https://www.tiktok.com/@rooferscoffeeshop   https://www.rooferscoffeeshop.com/rss     #FRSA #RoofersCoffeeShop #MetalCoffeeShop #AskARoofer #CoatingsCoffeeShop #RoofingProfessionals #RoofingContractors #RoofingIndustry 

The Sunshine State of Florida has provided Ohio State with some of its most talented football players for decades, and there are no signs that trend is slowing down. Marc Givler and Kevin Noon of BuckeyeHuddle.com are in the middle of their Southern Swing trip to see some of the nation's top high school football prospects. In this special bonus episode, they check in with some of their biggest takeaways from their time in Florida.

Seth Carswell has a passion for custom design, craftsmanship, and legacy. As Florida's only custom boot maker, Seth's artistry, traditional technique, and commitment to detail are evident in every stitch of his boots. As a 3rd generation Floridian, his family background lies in timber production and he spent much of his younger years involved in that business or on the water, before turning to his passion for blending form, function, and legacy in leather goods.  Nothing demonstrates this concept more than his alligator boots.  Managing alligator populations through hunting programs on both public and private lands is an integral part of conservation here in the Sunshine State and Seth indirectly plays a small role in all this by crafting the tanned gator skins into beautiful boots that reflect his love of Florida. Join us in this conversation as we learn more about Seth's family the origins and future plans for Florida Boot Company.

Ailish Forfar and Justin Cuthbert kick things off with Luke Fox (1:41) live from the Sunshine State ahead of Game 3 between the Leafs and Panthers. They break down the Panthers' resolve and how they have dealt with adversity throughout their last couple of playoff runs, how the Leafs have changed their style on and off the ice this season, Willy's lucky suit, a Stolarz update, and more. Then, ahead of an electric series between the Jets and Stars, Luke Gazdic joins the show (27:58). They start by discussing the similarities between the Oilers and Leafs before moving on to the West, where they get into how the Jets can stop Rantanen, the Jets' depth scoring, playoff superstitions, and much more.The views and opinions expressed in this podcast are those of the hosts and guests and do not necessarily reflect the position of Rogers Sports & Media or any affiliates.

It's been 200 episodes of That Florida Feeling so I asked you all what you wanted to hear… and you all said my favorite things. So, I have a special guest as we talk about our favorite things in the Sunshine State

On Wednesday, the President reacted to news that U.S. economic growth slowed in the first quarter of this year, according to the Commerce Department. The data shows the U.S. economy contracted over the course of a few months, with Q1 gross domestic product (GDP) shrinking by 0.3 percent. FOX Business' The Big Money Show co-anchor Taylor Riggs says while this quarter of economic decline is a negative consequence of the President's tariff plans, it is not all bad news for America's economy. Riggs joins the Rundown to explain what falling GDP means, the emphasis on patience with the Trump economic agenda, and the trade deals to come. New York State Governor Kathy Hochul (D-NY) is expected to sign legislation banning cell phone use from "bell-to-bell" starting next school year. New York will join eight states implementing such restrictions on phone use in the classroom. Florida State Representative Demi Busatta (R-Coral Gables) joins to explain how the banning of phones in schools could bring about developmental and educational benefits for students and why she is advocating for tighter phone-use restrictions in the Sunshine State. Plus, commentary from host of FOX Across America and FOX News Saturday Night, Jimmy Failla. Photo Credit: AP Learn more about your ad choices. Visit podcastchoices.com/adchoices

Keith discusses strategies for building wealth in real estate, emphasizing efficient property operations and leveraging. He suggests setting tenant occupancy limits, sub-metering utilities, and increasing rentable space. He explains the leverage ratio, which measures the relationship between debt and equity, and advises maintaining a high ratio for better returns.  Hear his take on the Florida's real estate market, including falling property values, oversupply, and rising insurance premiums. Despite these issues, Keith remains optimistic about Florida's long-term potential due to its population growth and low taxes. Free Resources: Connect with a free GRE Investment Coach at GREinvestmentcoach.com Show Notes: GetRichEducation.com/551 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  You get paid first: Text FAMILY to 66866 Will you please leave a review for the show? I'd be grateful. Search “how to leave an Apple Podcasts review”  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— text ‘GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Automatically Transcribed With Otter.ai    Keith Weinhold  0:00   Welcome to GRE I'm your host. Keith Weinhold, today, the two things you've got to focus on if you're ever going to build wealth as a real estate investor, why Trump wants to fire Fed Chair Jerome Powell, then, is Florida real estate doomed with falling property values, a housing oversupply, spiking insurance premiums and slowing population growth. It's episode 551, of get rich education.    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 the flipper or landlord. Show Host Keith Weinhold writes for both Forbes and Rich Dad advisors, who 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 and key top selling personal finance author Robert Kiyosaki, get rich education can be heard on every podcast platform, plus it has its own dedicated Apple and Android listener phone apps build wealth on the go with the get rich education podcast. Sign up now for the get rich education podcast or visit get rich education.com   Speaker 1  1:16   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  1:32   Welcome to GRE from Manhattan, Kansas to the finance capital of Manhattan in New York City, and across 188 nations worldwide, you are back inside get rich Education. I'm your host, and my name is Keith Weinhold. I think you know that by now, because we deliver weekly shows more steadily and predictably than a new tariff policy. I've got more on tariffs in a funny clip on Trump wanting to fire Jerome Powell in stories on that level soon. But first, you know one thing that I've made you mindful of lately is that a successful real estate investor needs to pay attention to two big things if you want to build wealth First, keep your property operations efficient. This is your cash flow function. And second look at your net worth statement, and be mindful that you are leveraging as many dollars as you responsibly can. Let me break down both of these for you so that you can see what I really mean here the first one, keeping your property operations efficient. That means that right up front, with a new tenant in the application, find out how many tenants are going to live there, and firmly let them know that they cannot exceed this or that they're in violation of the lease. Can you get 20% more rent, or even 50% more rent by furnishing your unit and marketing it not as a long term rental, but as a midterm rental, and targets, say health professionals that are traveling if you're in a hot rental market. Can you simply keep the rent the same, but have new incoming tenants pay a utility bill for you that you had previously been paying by sub metering your utilities. Other examples of taking the rental property you already have and making it more efficient, you know, there are more classic items, like increasing your rentable space, renting out separate on site, storage space, adding a carport, charging pet rent or just boosting the curb appeal. Can you build an adu on your property? How about appealing your property taxes or automating your rent collection. Why don't you take a look at your insurance policies? You know, a lot of them have $1,000 deductibles. Well, if you're an economically resilient investor, consider raising your deductibles to 5k that way you lower your insurance premium and increase your cash flow that way. I mean really, putting in insurance claims can be somewhat of a pain anyway. Okay, well, right. There were maybe, I don't know, 10 or 15 quick ideas for streamlining your property's operations and increasing your cash flow. Now, don't try to do every one of them, but if there's at least one or two that you can think of as low hanging fruit to go ahead and harvest with the nature of what you've got going in your portfolio. And you know, ideas like I just shared there, you can hear about that on some other real estate investing platforms. But you know what the bigger gain. Is that you can actually make they take less work and fewer people talk about these things all right, and that's the second thing I'm talking about. Yes, it is typically more profitable for you and less work for you. If, instead of all those things, you increase your leverage ratio. Now, doing this does not help your cash flow, it helps your net worth. And net worth is something that you can later convert to cash flow. And this second one increasing your leverage that's a strategy that you just don't hear about on very many real estate investing platforms. So I haven't discussed leverage ratio in a long time. So let's talk about what it is, how you can improve yours, and then what it does for building your wealth. Okay, it's the relationship between your debt and your equity, and here's how to determine yours, and then I'll tell you how you're performing. Once you've determined yours, you might even be able to do it roughly in your head. All you do is take the total value of all the real estate that you own and divide it by your loan balances. That's it. Say you own a million dollars worth of real estate and you've got 500k of total debt on all that real estate. Well, it's really simple. Just divide your value a million bucks, buy your debt, 500k and your leverage ratio is two to one. Let's just call that two. If you're looking to build wealth, that number of two is kind of low. It should be higher. It means that you've got 50% equity in your property. Now say that instead, on the day that you bought that million dollars in real estate, you only made a 200k down payment. That's awesome. A million bucks divided by 200k your leverage ratio is five. All right. Well, what are these numbers really mean? Like this two and this five? All right, it's important because it is what you use to multiply your real estate's rate of appreciation by in order to find your rate of return. So just say that your real estate appreciates 4% this year. If your leverage ratio is just two, that's only an 8% return on your skin in the game. But if you've got more debt and your leverage ratio is five, then a 4% return means you've got a 20% return on your skin in the game. Do that keep your leverage ratio high? Now, what if your leverage ratio falls all the way down to a one. What does that mean? Oh, dear, you're not really doing much to build wealth because all of your properties are paid off. You don't have any mortgages on them. So if you're down to a one, all you've got working for you, from an appreciation standpoint, is compound interest. That's the point at which you've fallen from a compound leverage instrument down to a compound interest instrument. And as we know here at GRE which is counter to the mainstream world. And yeah, the mainstream world is where you have to work all of your life at a job you hate. And that's what you'll do if all you have is unlevered compound interest, all right, and if all you have is unlevered compound interest, well, don't book your Blue Origin flight quite yet. You're not going to go on one you can count on sitting behind a desk for decades instead.   All right. Well, how do you determine your leverage ratio? Again, it's your total real estate value divided by your equity. All right. Now, how do you keep your number high? By making new purchases with 20 to 25% down payments, and by not making new purchases is another way, and instead performing cash out refinances or doing both, you know another way to increase your leverage ratio, and you might not have thought about this, it's when real estate values fall. Now, that's surely not a desirable way to do it, and it doesn't happen often, but when real estate values fall, that drops both your real estate's value and your equity value by the same amount. And interestingly, with some of the ways that I described that you can add value to a property earlier, like a carport, that makes your cash flow better, but it does make your leverage ratio worse at the same time, a way to decrease your leverage ratio fast and lower your wealth building potential fast is to make an extra principal payment of a few 1000 bucks. I mean that one act alone might drop it from, say, a 3.14 to a three point. One Two over night. But look, I don't know what real estate markets you're invested in, and if you tell me what your number is, I'm gonna know how much your future wealth building power is, because you're keeping dollars not merely compounding, but leveraged. And if your number falls below about two and a half, which means 40% equity, that's typically when I begin looking to refinance or sell an equity heavy property, to do a 1031 into a bigger one. So two and a half, that's the number where you often want to take action. And really this is all just a fresh way of approaching an enduring mantra here at GRE Oh yeah, financially free beats debt free, and this sure can make you a mutineer among the masses. And I've been talking about these mutineers sort of things a lot lately, even with a tinge of irreverence. Perhaps you might remember that three weeks ago here on the show, I discussed how, depending on your circumstance, you can even make a car loan good debt, and how a seven figure income is the new six figures and then, yes, perhaps more irreverence. Last week in your free audio course, it was pretty iconoclastic to break down in detail how a 38% rate of return from just everyday buy and hold real estate is not risky at all. And last week's episode 550 the free course, that's probably the most important episode we've done in a long time. For a beginning real estate investor, if you've got any relative or friend in your life that you know, do you have someone around you that just doesn't get it about real estate investing, that really doesn't understand why you do this, please go ahead and share last week's episode with him. Episode 550 now on to the actual person of one, Donald John Trump. And why do I always say his name that way? I don't know. I'm not sure how that ever got started, but I don't say that as often as I call myself a remorseless slack jaw. In any case, the President wants to fire the Fed Chair Jerome Powell. This is nothing new. It just flared up again. I mean, here's the latest flare up. Listen to how Trump says he's never been fond of Powell. Okay, key in on that. This is Tom llamas on NBC, nightly news. You'll also hear the voices of Trump, Powell and Elizabeth Warren in Washington.    Unknown Speaker  8:38   There's a mounting standoff between President Trump and the Chairman of the Federal Reserve. The President blasting Jerome Powell for not lowering interest rates, accusing him of playing politics. Gabe Gutierrez is at the White House with markets on edge and his trade war escalating. President Trump is lashing out at the Federal Reserve Chairman he once appointed, writing on social media that Jerome Powell's termination cannot come fast enough. I don't think he's doing the job. He's too late, always too late. Slow. And I'm not happy with him. I let him know it, and if I want him out, he'll be out of there real fast, believe me, the rebuke coming after this warning from Powell Wednesday, tariffs are highly likely to generate at least a temporary rise in inflation, the President now slamming him for not cutting interest rates to help the economy. We have a Federal Reserve Chairman that is playing politics, somebody that I've never been very fond of, actually, but he's playing politics. Powell says the Fed needs more clarity before making a move. We're never going to be influenced by any political pressure. People can say whatever they want. That's fine. Trump had previously said he would not try to replace Powell, and earlier this week, the Treasury Secretary stressed the importance of an independent federal reserve. I believe that monetary policy is a jewel box that's got to be preserved. Democrats warning of chaos if Powell is ousted, if Chairman Powell can be fired by the President of the United States, it will crash the markets in the United States. Powell, whose term as Fed Chair ends next year, has said the President does not have the legal authority to fire him. If he asked you to leave, would you go? No.   Keith Weinhold  14:38    In that clip, Trump said he's never been very fond of pow dude. You appointed him, you You appointed him as Fed Chair in your first term, where you must have liked him more than any of the other candidates. Geez. Now you may or may not like Powell, but I don't see how. He's playing politics before lowering interest rates, it's completely sensible for him to see how the tariffs play out first. The Fed has long been independent of the executive branch, so they're supposed to be Trump wants Powell to lower interest rates. And remember, Powell already cut rates a full 1% late last year, and I really don't even agree with that cut when inflation was still elevated. Trump says Powell is always too late. Well, everyone agrees that Powell was too late to raise rates back in 2022 I mean, that had to do with the whole gaff where he said that inflation is just transitory, and no one will let Powell forget that. But do you give pal credit for a soft landing? I mean, he since brought down inflation while keeping us out of a recession, that's the definition of a soft landing. You know, I don't fully give pal credit there, just a little but remember, by that point, the inflation damage has already been done. It's already hurt a lot of people, and that's not changing. Now, of course, the inflation enriched you and it enriched me, because we're the real estate investors, and inflation is always going to do that for us. What happened is that Trump is frustrated because he saw the European Central Bank just lower their rates. So that's why he wants to see that happen here too. Because of course, lower rates can help the economy, at least in the short term. So I wondered about what you think. So what I did is I asked you in our latest Instagram poll, the question I asked was simply, should Jerome Powell be retained or fired? I was a little surprised at the result. 38% of GRE Instagram poll respondents said pal should be retained, and 62% said fired. I didn't think as many as 62% would say fire Powell. My best guess is that it's because you want lower interest rates on mortgages, and my next best guess is that you want to fire Powell, not because you dislike him, but more because you want to abolish the Fed completely, which I guess means that Powell would be fired that way. Did you hear about what happened when Donald Trump called tech support? Yeah. He told them, my tariffs aren't working. Tech Support responded with, did you try turning them off and back on again.    Hey, coming up shortly is Florida real estate doomed. If you'd like to reach out to us here at the show, you can do so at get rich education.com/contact, that's whether you have a comment or a question or a concern or a content suggestion you can communicate either through voice or email on our contact page, there one thing that we don't need, respectfully, are booking agents for shows reaching out to us. You know, I used to say that we have 50 times as many guest requests to be on the show with me here as we do available spots, but now it is more than 50x and I'm really grateful to host a platform where I guess a lot of people want to join in and contribute here, but the reality is that we only have one show a week, and a lot of weeks like this one I don't have any guests at all on the Show. That page is monitored by my terrific executive assistant, Brenda, just like most everyone here at GRE She's an active real estate investor too, and again, comments, questions or concerns about the show, please contact us at the contact page and get rich education.com/contact. More. Next you're listening to get rich education.    You know what's crazy? Your bank is getting rich off of you. The average savings account pays less than 1% it's like laughable. Meanwhile, if your money isn't making at least 4% you're losing to inflation. That's why I started putting my own money into the FFI liquidity fund. It's super simple. Your cash can pull in up to 8% returns, and it compounds. It's not some high risk gamble like digital or AI stock trading. It's pretty low risk because they've got a 10 plus year track record of paying investors on time in full every time. I mean, I wouldn't be talking about it if I wasn't invested myself. You can invest as little as 25k and you keep earning until you decide you want your money back. No weird lockups or anything like that. So if you're like me and tired of your liquid funds just sitting there doing nothing. Check it out. Text family to 66866, to learn about freedom family investments, liquidity fund again. Text family to 66866    Hey, you can get your mortgage loans at the same place where I get mine, at Ridge lending group NMLS, 42056, they provided our listeners with more loans than any provider in the entire nation because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage. You can start your pre qualification and chat with President Caeli Ridge personally. Start Now while it's on your mind at Ridge lendinggroup.com, that's ridgelendinggroup.com.   T. Harv Ecker  20:45   This is the millionaire minds. T. Harv Ecker, you're listening to the powerful Get rich education with Keith Weinhold. Don't quit your day dream.   Keith Weinhold  21:10   Welcome back to get rich Education. I'm your host. Keith Weinhold is Florida real estate doomed. Most anyone that pays attention has probably noticed that the Sunshine State has some areas, well, really, a number of them where property values have actually fallen. This is tied to the fact that there's an inventory over supply. There have been spiking insurance premiums tied to hurricanes. And what about the slowing population growth, and since the pandemic, Florida has had some of the fastest growing, highest appreciating markets in the entire nation. But today, in fact, there's a giant home builder there KB Homes that finds Florida's housing market. In their words, it's weak enough that they are cutting prices this spring. And KB Homes is ranked number 545 on the fortune 1000 so they're pretty sizable. And then an even larger home builder, Lennar, they basically said the same thing. The CEO of KB Homes said, quote, demand at the start of this spring selling season was more muted than what we have seen historically, despite a healthy level of traffic in our communities. So we took steps to reposition our communities to offer the most compelling value, and buyers responded favorably to those adjustments. End of the quote, yes, that is a genteel way of saying that we had to cut prices to get buyers like I mentioned to you, starting, gosh, probably a year ago or more, that other home builders have, instead of cutting prices, offered mortgage rate buy downs to buyers, be mindful though of how much your home builder is paying for those buy downs and how much you are at the closing table. Now, as we know, nationally, there's still a housing supply shortage, but KB, who does business in other states, says that Florida is the weakest, and that's due to over supply. Now let's forget about in migration for a second. Okay, that weakness is because a lot of communities are overbuilt to the point that the in migration rate cannot keep up with the over building. And of course, it's hard to generalize. Florida is a big, populous state of 23 million people. Southwest Florida has been hit the hardest that's pretty well documented. Punta Gorda, home values are down 9% year over year. Cape Coral down 7% let's go to the opposite end of the state, and Jacksonville, up in Northeast Florida that has about seven months of housing supply. It's actually pretty close to a balanced market between buyers and sellers, and then in the center of the state, Orlando, there's six months of supply that is a balanced market where there is normalcy in negotiation between buyers and sellers and a smattering of offers on one property And no one rushing and doing things like waving their inspection and then Miami Fort Lauderdale, you know, I really don't talk about them much on the show, because their prices are too high to work well as long term cash flowing rentals, both KB and Lennar say that they're keeping an eye on tariffs and that the changes to immigration have not changed their operations very much yet, because, remember, a lot of construction laborers are immigrants, and if they get deported, and then you need to hire native born US labor. Well, home prices go up, all right. Well, what about the Florida insure? Crisis. You know, over the past few years in Florida, a bunch of carriers have just withdrawn. They have pulled out of the state, farmers, insurance, bankers, insurance, Lexington insurance, all pulled out. Farmers told The New York Times that this business decision was necessary to effectively manage risk exposure. Similarly, AAA is another carrier, and they said that they're not going to renew some policies. They said the markets become challenging. 2022 catastrophic hurricane season that really contributed to an unprecedented rise in reinsurance rates, and that made it more costly for insurance companies to operate there at all. And prior to that, the market was already strained and had increased claims costs due to inflation and excessive litigation. That's what triple A said. All right, so where does this leave homeowners? Well, some are already relying on state and federal insurance programs, like the National Flood Insurance Program. There's a state carrier called citizens now, flood insurance is not required outside of a special hazard flood area, but that doesn't mean that a home is going to escape flooding if a hurricane passes through, but having insurance it does help along and accelerate the recovery process. Florida has some of the best Building Code adoption and enforcement in the country, and that fact alone has saved 1000s of homes and billions of dollars. But modern building codes are not necessarily applied retroactively to older homes. So it's those homes and properties that really have more exposure to hurricanes, those older properties, and a lot of Floridians are just skipping insurance coverage altogether so that they don't have to pay the premiums. They don't have any coverage. If you don't have a lien holder, you can do that. You can skip it, right? Well, like, How bad is it? Exactly? Just, how much have Florida insurance premiums been jacked up at this point. They've increased 60% on average between 2019, and 2023, and while homeowners and investors are primarily bearing that rising cost burden, I mean, insurers are feeling that squeeze as well. It's not just that the incidence of hurricane events is up, but premiums rise, of course, when the cost of labor in materials that it takes to replace and rebuild a damaged home have gone up as well things like concrete and structural steel and now, of course, as real estate investors, we can eventually pass on the cost of our higher insurance premiums to the tenant in the form of a rent increase, But when it goes up 60% in just four years. It's really hard to keep up with that. Florida's infrastructure is under some strain, too, and I see this when I drive the Tampa area. Every few years, I see more and more traffic. It takes me longer to get places like it takes me two or three cycles to go through a traffic light, where it only took me one cycle a few years ago. So roads and schools and utilities are under some duress to keep up with the population growth over the past decade, statewide commute times are up 11% you know, really that shouldn't be a surprise. I mean, that is common in any high growth area. Now, when it comes to insurance rate increases, there is a good chance that the worst is now over. Yes, Florida, insurance rate increases have been slowing down. The average rate increases have dropped quite a bit from 21% back in 2023 to a projected just two tenths of 1% for 2025 okay. I mean, that's basically no change expected for this year. Citizens, property insurance, that state option that I mentioned earlier, their rates are also shrinking, with some policyholders experiencing rate decreases of 5% or more. Now, I told you on a previous show that if you're looking to add rental property in Florida, go with new build properties for low insurance rates. But now I actually got a hold of some real policies between some of my properties and some of my friends properties. I've got them right in front of me here on a 1970s build single family home. I mean, the premiums can be high. We're basically paying 1% or more of the property's value in insurance premiums each year. So a 250k A valued single family rental that was built 50 years ago has a premium of $3,000 in some cases. I mean, that's a lot, but a close friend of mine recently went to GRE marketplace, got connected with one of our Florida providers. There, he bought a new construction duplex for I forget it was either 400k or 420k it's in Ocala, Florida, which is the central part of the state, and his 12 month insurance premium is $694. Wow. What a low premium for a duplex. That's why you go new build in Florida. Newer properties were built to today's construction and wind mitigation codes, and they have low insurance rates. And his duplex also appraised for 10k more than the purchase price. He has both sides already rented. And in fact, he closes on the property today, and yeah, I recommended that he go to GRE marketplace and get into Florida property, because that is indeed what he was interested in, and I sure wasn't going to stop him. So suffice to say, I clearly do not believe that Florida real estate is doomed. Florida has long been the antidote to high tax, high cost states, it has attracted snowbirds and retirees and hourly workers and increasingly younger professionals unable to crack housing markets elsewhere. Since the pandemic, millions of people have flocked to the state. I mean, when you look at a list of the fastest growing metro areas of the United States. I mean, Florida domination continues. You've still got big ones up there, like Lakeland of Florida is actually at the top of the population growth leaderboard nationally for metros with 500,000 or more people, Port St Lucie is also up there. It's third nationally, and Orlando is fourth. Three of the top four population growth metros are still in Florida, but this promise of sunshine and opportunity that has been replaced by something just a little less Sunny. I mean, you've got the rising home prices like Florida's not that cheap anymore, this diminishing affordability and this growing pressure on infrastructure, but Florida has definitely not completely lost its shine. People across the country are still moving to Florida, but not at the same rate that they did a few years ago, and the state is still seeing more people arrive then depart, besides the weather and the beaches that people love, of course, there's zero state income tax, and Governor Ron DeSantis has even proposed eliminating the property tax, like I mentioned to you on the show a while ago, although we can't count on eliminating the property tax anytime soon, if it ever happens. But wow, what a real estate boom that property tax elimination would create. So for the long term, which is what real estate investing is, I still like Florida. One thing that I don't like is trying to catch a falling knife, and that is analogous to say, investing in an area that is going down and has no future. Florida's got a future. It's got some challenges, just like anywhere in the US, but the reason it has a future is because more population growth is almost a guarantee. You don't get many guarantees in investing. Just look at the decennial census figures. Okay, this is the population of Florida every 10 years, starting in the year 1900 that's when they had 528,000 people, yeah, only about a half million people in the entire state, and I'll do some rounding here every 10 years after that. So in 1910 it was up to 750,000 people, then a million, 1,000,005 1,000,009 now we're up to 1950 where it grew to 2.8 million people, and then 5,000,006 point 8,000,009.7, 1316, 18.8 and then 21 and a half million in 2020, and it's 23 and a half million today. Now I only went as far back as 1900 there, but their census data goes back to at least 1830 and the growth has always been torrid, just uninterrupted. Every 10 years. There has been substantial to massive growth for at least 200 years, and Florida has still. Grown more than 2% per year each of the past couple years. In fact, it is still first place of all 50 states for population growth. So areas that are over supplied with housing in Florida are going to be absorbed. So Florida real estate is definitely not doomed. And in fact, adding more Florida real estate at this time, you know, that could very well be the type of thing where 10 years from now, or even five years from now, when their population is substantially bigger and there's less housing available. I mean, it could potentially look like a wise buy that you're able to get property at this time with less competition and maybe even a small discount here in the mid 2020s, and today, you can find three Florida markets listed at GRE marketplace. What else is happening at GRE marketplace? We've added two new markets, and they are also in the South. They are Jackson, Mississippi and Montgomery, Alabama. Yes, these areas are investor advantaged, and they have prices lower than most Florida markets. Though, I don't know that you'll see the net migration inflows into Jackson and Montgomery that you will in a lot of Florida markets. Jackson has a metro population of 600,000 and Montgomery 400,000 they both have really low property taxes. And there's something else that these two new GRE marketplace cities have in common. Any guess both Jackson and Montgomery are state capitals, yes, so they do have a base of government jobs. So check out gremarketplace.com read more about those cities. And of course, we even connect you with free investment coaching there to help you get matched up with some good property. Thanks for listening. Until next week, I'm your host. Keith Weinhold, don't quit your Daydream.   Speaker 2  37:10    Nothing on this show should be considered specific, personal or professional advice. Please consult an appropriate tax, legal, real estate, financial or business professional for individualized advice. Opinions of guests are their own. Information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of get rich Education LLC exclusively.   Keith Weinhold  37:34   You know, whenever you want the best written real estate and finance info, oh, geez, today's experience limits your free articles access and it's got paywalls and pop ups and push notifications and cookies disclaimers, it's not so great. So then it's vital to place nice, clean, free content into your hands that adds no hype value to your life. That's why this is the golden age of quality newsletters. And I write every word of ours myself. It's got a dash of humor, and it's to the point because even the word abbreviation is too long, my letter usually takes less than three minutes to read, and when you start the letter. You also get my one hour fast real estate video. Course, it's all completely free. It's called the Don't quit your Daydream letter. It wires your mind for wealth, and it couldn't be easier for you to get it right now. Just text GRE to 66866, while it's on your mind, take a moment to do it right now. Text, GRE to 66866.   The preceding program was brought to you by your home for wealth, building, getricheducation.com.