Podcasts about Advent

Advent E1 — Over the next four weeks, we'll be exploring the four key words associated with the Advent season: hope, peace, joy, and love, starting with hope. The Hebrew words often translated as “hope,” yakhal and qavah, are rooted in images of waiting and being stretched, like a cord pulled tight. From Noah waiting for the flood waters to recede, to Israel longing for God's loyal love, to Jesus followers ultimate hope in the new creation, the Bible presents hope as an active trust in God's character. In this episode, Jon and Tim explore how the biblical story reframes hope as active waiting, a practice that keeps us moving toward God's promises.FULL SHOW NOTESFor chapter-by-chapter notes including summaries, referenced Scriptures, biblical words, and reflection questions, check out the full show notes for this episode.CHAPTERSYakhal, a Waiting Hope (0:00–11:26)Qavah, a Stretching Hope (11:26–24:10)Biblical Hope vs. Optimism (24:10–27:47)Reflections on Hope With Dylan (27:47-32:50)OFFICIAL EPISODE TRANSCRIPTView this episode's official transcript.REFERENCED RESOURCESThe Hebrew and Aramaic Lexicon of the Old Testament by Ludwig Koehler and Walter BaumgartnerThe Life of Moses and Homilies on the Song of Songs by Gregory of NyssaThe Last Battle by C.S. LewisYakhal / Hope: Though not referenced directly in the episode, this 2017 video explores the same biblical words, yakhal and qavah.Check out Tim's extensive collection of recommended books here.SHOW MUSIC“Home For Christmas” by Lofi Sunday & Cassidy Godwin“That Gospel ft. Bobcat” by Lofi Sunday“Snowflakes” by AvesBibleProject theme song by TENTS SHOW CREDITSProduction of today's episode is by Lindsey Ponder, producer, and Cooper Peltz, managing producer. Tyler Bailey is our supervising engineer, who also edited today's episode and provided the sound design and mix. JB Witty does our show notes, and Hannah Woo provides the annotations for our app. Our host and creative director is Jon Collins, and our lead scholar is Tim Mackie. Special thanks to our guest Dylan Menges. Powered and distributed by Simplecast. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

I am SO EXCITED to talk to Pastor Rich Villodas about Advent and the Christian calendar. Advent officially started yesterday and Rich is helping us better understand why the Christian calendar even matters and what Advent means to our relationship with God. We're going to talk about what it looks like to wait well (which I don't like to do!), and we unpack the reality of living in the middle of both pain and rejoicing. Advent is all of it, right?  If you're looking for a study to go through this Advent, it's not too late to start one. You can grab it today and jump right in. Our Stay Tuned series is available to download now at shopanniefdowns.com AND you're going to love hearing about Rich's Advent devotional, Waiting for Jesus, today. If you're following along in your TSF Seasons Guidebook, We're on page 127. As always, the guidebook is available for you at anniefdowns.com/seasons. . . . . .  Sign up to receive the AFD Week In Review email and ask questions to future guest If you enjoyed this episode, I think you'd also love: Advent Makes Space for our Grief, but Christmas Makes Space for our Joy with Lanier Ivester- Episode 943 Episode 500: She Reads Truth + Advent . . . . . Thank you to our sponsors! This episode is brought to you by BetterHelp: My friends get 10% off their first month at BetterHelp.com/THATSOUNDSFUN. Our Place: Our Place is having their biggest sale of the year right now! Save up to 35% site-wide through December 2nd. Shop the Our Place Black Friday Sale right now, no code needed at ourplace.com. Thrive Causemetics: Go to thrivecausemetics.com/TSF for an exclusive offer of 20% off your first order. AG1: If you go to drinkag1.com/soundsfun you'll get the welcome kit, a Morning Person hat, a bottle of Vitamin D3+K2, an AG1 Flavor Sampler, and you'll get to try their new sleep supplement AGZ for free! WayFair: Head to Wayfair.com right now to shop all things home. Hiya Health: Receive 50% off your first order. To claim this deal you must go to hiyahealth.com/THATSOUNDSFUN. Shopify: Sign up for your one-dollar-per-month trial and start selling today at Shopify.com/soundsfun⁠. Capstone Wellness: Learn more at ⁠capstonewellness.com/thatsoundsfun⁠. Helix Sleep: Go to helixsleep.com/thatsoundsfun for 27% off sitewide.  Wonder Project: Start your free trial and make sure to choose the annual subscription at watch.thewonderproject.com/thatsoundsfun. When you pick the annual plan, you save money and directly support their mission to bring more of these stories to the world.  NIV Application Bible: If you're looking for a new Bible or know someone you'd like to gift a Bible to, I highly recommend the ⁠NIV Application Bible⁠! Antique Candle Co: Use code “thatsoundsfun” to get a free Gift Set on any order of $40 or more through Dec 15 at ⁠antiquecandleco.com⁠.  NYTimes bestselling Christian author, speaker, and host of popular Christian podcast, That Sounds Fun Podcast, Annie F. Downs shares with you some of her favorite things: new books, faith conversations, entertainers not to miss, and interviews with friends. #thatsoundsfunpodcast Learn more about your ad choices. Visit megaphone.fm/adchoices

Well, here we are. December has arrived (shudder). And with it, the great cultural sprint: decorations, office parties, and the annual anxiety dream about whether you will accidentally forget someone on your gift list (spoiler: you will). Some of you already finished your shopping over Thanksgiving and have a freezer full of perfectly labeled Christmas cookies. (Who are you?! Come to my house and fix my life!) The rest of us are still trying to remember where we put last year’s wrapping paper. It’s easy, this time of year, to let December carry us away. The shopping carts, the streaming playlists, the endless events. Advent, though, asks us to live by a different rhythm. The early church saw this season as one of watching and waiting—not just for Christmas morning, but for the whole story of God’s redemption. They began the year not by rushing, but by slowing down. The prophet Isaiah describes this posture well: “In returning and rest you shall be saved; in quietness and in trust shall be your strength” (Isaiah 30:15). The church fathers loved this verse because it sounded like Advent: strength found not in frantic activity, but in patient trust. So maybe the invitation this December is not to do more, but to intend more. To decide, amid the cookie dough and to-do lists, that this month won’t only be measured in packages mailed or tables set, but in moments of return. Little pauses of prayer. A fat candle lit on the dining room table that makes you take a breath. A quiet reminder that God is coming, and we don’t have to hold the season—or our lives—together by ourselves. So welcome to December, friends. Whether you’re ahead of the game or already behind, you are exactly where you need to be: at the beginning. Subscribe to Kate’s Substack for blessings, essays, and reflections that hold what’s hard and beautiful. Join us for Advent over there, too!See omnystudio.com/listener for privacy information.

In this episode, we begin our Advent journey in Eden, a place of freedom, communion, and life without shame. Eden is not only a moment in history, but also an interior garden within each of our hearts. We talk about the deep ache we all feel for union, rest, and peace, and how this longing reveals our original design for communion with God. We also reflect on the shame that often accompanies this desire for communion with others, especially when our desires are left unmet, and how bringing these places of poverty to Jesus opens us up to real, lived communion with Him.   Heather's One Thing - The Renew Conference in Toronto Heather's Other One Thing - Her Advent Worship Playlist Sister Miriam's One Thing - Sacred Anchor Artisans (Catholic Etsy!) founded by Tim and Molly Olsen Michelle's One Thing - The Inspired Living and this Chrism Candle Michelle's Other One Thing - Fr. Innocent Montgomery, CFR   Welcome, dear friends… to this Advent journey, a pilgrimage of the heart, through four sacred spaces where heaven once touched the earth.   These are the places of Advent. Eden. Loreto. Elizabeth's home. And a stable under starlight.   Each one holds a mystery… a whisper of God's coming, a rhythm of waiting, a quiet invitation to abide.   We begin… in Eden — the garden of beginnings and original designs, Here, everything was whole once, every breath in attunement with God's own. But even in the ache of what was lost, something sacred remains, a longing, a promise, a memory of shalom harmony still written in our bones.   Eden reminds us: our waiting is not empty. It is the remembering of love that has never stopped pursuing us.   Journal Questions: What are the unique gifts that God has placed inside of you? When do I experience shame in the ache for communion? When have I recently experienced a rupture from Eden? Who in your life allows you to feel at home and at ease? How can I return to Eden through a daily practice?   Discussion Questions: How have you experienced yourself as a gift? When have you experienced an ache for Eden in your life? When do you feel exiled from Eden? What glimpses of Eden have you seen in your life recently?   Quote to Ponder: "We all long for Eden, and we are constantly glimpsing it: our whole nature at its best and least corrupted, its gentlest and most human, is still soaked with the sense of exile." (J.R.R. Tolkien, The Letters of J.R.R. Tolkien)   Scripture for Lectio: "Adam and his wife were both naked, and they felt no shame." (Genesis 2:25)   Sponsor - Altar + Home: Altar and Home by Conception Abbey exists to bring the beauty of Benedictine spirituality into your domestic church. The way we as Benedictine monks punctuate our days with prayer. The way we balance prayer and work (ora et labora). The way we pray with scripture in lectio divina. The way we live in community to support one another. Incorporating these treasures into your daily lives can draw you and your domestic church into Christ one day – one prayer – at a time. Our online store offers intentionally Catholic products for every occasion and every season. Lectio Divina rosary guides, daily journals, greeting cards, sacrament gifts, icons, and prints, along with books, bibles, and everything you need to make your home a sacred space.  Make Advent and Christmas a time of joy and peace with our Monk-Curated Collections—bundled sets specifically chosen by the monks to share our lives with each of you. They make the perfect gift for the Catholic in your life. Through this Altar + Home ministry, the Benedictine monks of Conception Abbey share the prayer God calls us to at the altar into the domestic church of our customers as we seek to cultivate one holy, apostolic, Catholic Church. We invite you shop with us at www.altarandhome.org. Use the discount code ABIDE to get 20% off your order.   Chapters:  00:00 Altar + Home 01:25 Intro 02:17 Welcome to Eden 09:38 Our Heart is a Garden and Place of Communion 11:18 We are Made as a Gift 13:32 Healing from Shame in Our Ache 17:57 Homesickness and Exile 20:23 God is Longing for Us 22:16 Imaginative Prayer 24:13 The Goodness of Our Bodies 26:06 Inviting the Lord into Communion 27:47 Advent is a Time of Preparation 29:32 One Things   Music used under license i94Cr0 

Luke 2v8-20 with Lucy Peppiatt This first teaching in our Advent series reflects on the angels and shepherds in Luke 2, showing how God draws near through messengers who reveal his character, announce his coming, and invite us into worship. It centers on the anticipation of the coming Christ and how we, like the shepherds, carry this good news into the world. bridgetown.church/teaching

This Advent, bend the efforts of your imagination to make the wonder of Jesus's arrival visible for your children.

This week's featured story comes from the Martin & Sylvia's Audio Advent Calendar collection. It's called "December 1: Waiting." This story is a part of Martin & Sylvia's Audio Advent Calendar — 25 stories for the 24 magical days of Advent in December — plus Christmas! From the playhouse to the library, from the Weber's restaurant to the Spunderful Shop, you can spend all of December with the delightful brother and sister as they follow their own Advent adventure. Enjoy a 10 to 25 minute story all the way to Christmas! The story for December 1: "Waiting" Advent is coming and brother and sister are worried — where is their advent calendar?When a curious golden envelope arrives in the mail the day before advent begins, Martin and Sylvia are surprised and delighted by the invitation inside. If you enjoyed that story, there are hundreds and hundreds more where that came from. Try a Sparkle subscription now - for free. Go to www.sparklestories.com and click the button at the top that says "Start Free Trial," then you can listen to our giant library as much as you like, anytime you like.  Each week on the Sparkle Stories Podcast, we share a free story from one of our original story series! For many many many more stories like this one, visit the Sparkle website: www.sparklestories.com Questions?  Ideas?  Requests? Email us!  info@sparklestories.com Enjoy!

This Sunday, Pastor Ralph Castillo kicked off our new sermon series during the Advent season, He Shall Be, with a teaching on Jesus as Immanuel, or "God with us". Pastor Ralph posed two questions for us to consider during this Advent season: How is the coming of Jesus at Christmas good news? And how does He meet the core longings that surface most intensely during this Advent season? Pastor Ralph explained that this is why we celebrate Christmas: because God came. He answered our loneliness and grief with Himself, and Pastor Ralph invited us to consider that the best Christmas present of all is Jesus' tangible presence with us.

Keith discusses seven ways to get a lower mortgage rate, emphasizing the historical impact of the 1940s GI Bill on homeownership and wealth creation.  Caeli Ridge, founder of Ridge Lending Group, digs into smart tactics like adjustable rate mortgages, DSCR loans, and down payment options, plus insider tips on boosting your creditworthiness, timing your rate lock, and planning ahead so you can maximize your returns.  They also explore trends like 50-year mortgages and portable mortgages, and the benefits of FHA and VA loans for first-time buyers.  Resources: Want expert guidance on your next real estate investment or mortgage? Reach out to Ridge Lending Group for personalized support and a full range of loan options—whether you're a first-time buyer or seasoned investor. Visit ridgelendinggroup.com or call 855-74-RIDGE to take your next step! Episode Page: GetRichEducation.com/582 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, seven ways you can get a lower mortgage interest rate. We'll break them down loan types available to you that you never heard of, and learn how the 1940s GI Bill shaped the mortgage that you get today on get rich education   Speaker 1  0:22   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  1:07   You're listening to the show that has created more financial freedom than nearly any show in the world. This is get rich education. You Keith,   Keith Weinhold  1:23   welcome to GRE from the Romanian Black Sea to the Egyptian Red Sea and across 188 nations worldwide. I'm Keith Weinhold, and this is the indefatigable get rich education before we discuss the seven ways that you can get a lower mortgage rate and more in the 1940s before my dad was born, the GI Bill gave veterans returning from World War Two access to cheap home loans, and that single policy decision might have done more to shape the modern American Housing landscape than Anything else in the last 100 years. Think about it, millions of young men, almost kids, really had just spent the better part of their early adulthood in Europe or the Pacific. They came home, married their sweethearts, started families, and suddenly America had this booming demand for housing, but demand alone doesn't build homes. You also need money. You need access to credit, and that's where the GI Bill stepped in. It didn't just thank returning service members for their sacrifice. It handed them something way more powerful, the ability to buy a home with little money down a low interest rate and underwriting standards that would frankly look like a fantasy today, that access to credit sparked one of the biggest housing booms in American history. You had these entire suburbs that sprang up overnight, Levittown in New York, Lakewood in California. These were master planned communities, and they really became a blueprint for Post War America. We had the booming 50s, and this had a lot to do with it. Here's the part that most people don't understand. This wasn't just about housing. This was about wealth creation, because for better or worse, home ownership has been the primary wealth building vehicle for the American middle class these past 100 years, when you give millions of people a subsidized path into property ownership, you're not just giving them a roof. You're giving them equity appreciation, leverage, tax benefits. You're giving them the engine, this flywheel that spins up generational wealth in a lot of ways. The GI Bill is the earliest institutional example of what I at least tell you here on the show, real estate pays five ways. Now they didn't call it that in 1947 but that's exactly what it was. Veterans earned appreciation as suburbs grew. They had amortization working for them, they collected tax advantages. Inflation slowly eroded their fixed rate mortgage balances too. And here's the thing, these weren't even speculative investments. They were homes that they lived in. Now, of course, the GI bill wasn't perfect. It expanded opportunity for millions of people, but it excluded a lot of people too. Lenders and local governments often blocked black veterans and other minorities from accessing the same benefits. That's a whole story unto itself, but the takeaway for today is, when you combine demographic momentum with favorable financing, you can remake a nation, and that's why housing policy still matters today, which we'll get. Two shortly, when you change access to credit or just tweak it, you change the trajectory of families and markets for generations, and the GI Bill proved that. So when we talk about interest rates, affordability, supply shortages, or any of the high frequency housing data that we cover here, remember that the stories aren't just about numbers. They really are about people. They're about giving ordinary Americans the chance to build wealth the same way that those World War Two veterans did through ownership, stability and the quiet compound leverage, not compound interest. Compound leverage that real estate delivers over time.    Keith Weinhold  5:49   I'm bringing you today's show from, I suppose, a somewhat exotic location. I am inside Caesar's Palace, which is right near the very middle of the famed Las Vegas Strip, that's where I'm at. The hotel staff is always accommodative of the show setup. This might seem a little strange to you, because I'm not a gambler. The reason I'm here is that my brother lives 25 minutes away, and I've been with him during Thanksgiving. Next week, I'll bring you the show from Buffalo, New York, and then two weeks from now, I have something heart warming to tell you about that, and it is a real estate story. I'll be broadcasting the show from upstate Pennsylvania. I'll be there to visit my parents. My brother's also coming in from Nevada to be there. That's where the four of us, mom, dad, my brother and I will sit around the same dining room table in the same kitchen of the same home that my parents have lived in since the 1970s nothing has changed, and all four of us know our spots at the table. And actually, it's not even called the dining room table. It is the supper table, as my parents call it so, from flashy Caesar's Palace today to Buffalo and then to Appalachian simplicity in Pennsylvania, the stability and continuity of my parents living in the same home and four wine holds sitting around the table during the holidays, it is so rare. I imagine less than one or 2% of people can do this. I'm just profoundly grateful and proud of Kurt and Penny Weinhold for being the best, most stable parents I could have asked for. It's almost too much to ask, and if you don't have that in your life. Ah, you can do something about that. You can provide the same decency and stability for your children.    Keith Weinhold  7:50   Let's talk about seven proven ways you can get a lower mortgage rate with this week's terrific guest. Though, we'll focus on investment properties. A lot of this applies to primary residences as well.   Keith Weinhold  8:07   We are joined by the founder of the lender that's created more financial freedom for real estate investors than any other mortgage originator in the nation, the eponymous Ridge lending group. And though that sounds impressive, my gosh, she didn't even need that introduction for you the listener, because she's one of the most recurrent guests in show history. Welcome back to GRE Caeli Ridge,   Caeli Ridge  8:30   I am delighted to be here as always, Keith, thank you for your support and acknowledgement. I love what you do, and I'm hoping that I can bring more value today to your listeners in what it is that we do, educating the masses, right?   Keith Weinhold  8:42   You've been doing that here for about 10 years. And yes, we're talking about a woman with a reputation for writing emails in all caps, yet still maintains a great relationship with everybody. I mean, congrats, shaile. I couldn't possibly pull that off myself.   Caeli Ridge  8:58   Thank you, Keith. And you know, I'm going to stay by my all caps, man, it's a speed thing. It all boils down to the number of seconds in the day that I can just move quickly through an email. Yeah, I love my all caps.   Keith Weinhold  9:09   Apparently recipients are still replying, well, you can get a lower mortgage rate in at least seven ways. You can get an adjustable rate mortgage, do a midweek lock in, negotiate seller credits. Have a high credit score. Do a two one buy now, which is kind of old school, but some home builders are using it boost your DTI or buy now, not later. Those are some of the strategies for lowering your mortgage rate. What are your thoughts with regard to that?   Caeli Ridge  9:39   I think all of those are viable. I would just say on the adjust for a mortgage. The pushback I would give there is, is that for residential property, specifically, single family, up to four units, we are not finding that spread between the arm and a 30 year fix. We've been the industry as a whole, secondary specifically been on the inverted yield. Now this gets a little tough. Nickel, and I won't go down that rabbit hole, but 08, 09, the housing and lending crash created an environment within secondary markets where an inverted yield has made a 30 year fixed mortgage more favorable in the rate department. Now that's not always going to be the case. I am a huge fan of the adjustable, but what would work right now is an adjustable with the all in one not to take too much time on that topic, but that would be an adjust rate mortgage that I think would save interest or reduce the rate of which interest is accruing,   Keith Weinhold  10:30   the all in one loan, which we discussed extensively back at the beginning of this year here on the show. Long term, though, I have seen adjustable rate mortgages work for a lot of people, because really, the compelling proposition of the arm is that it guarantees that you get a lower rate in the near term, and yet there's only a chance that you're going to have a higher rate in the long term   Caeli Ridge  10:53   and further. Let's I mean, let's dissect that a little bit. I am a huge proponent. I love an adjustable rate mortgage when the arm is pricing a half or a full percentage point plus over a fixed especially for non owner occupied and the reason for that is, and this is statistically speaking, feel free to look this up, guys, the average shelf life of a mortgage for an investment property is about five years. Great point, right? And we know that if that's the case, right, we're refinancing to harvest equity. We're refinancing maybe to reduce an interest rate from where the market was before, et cetera, et cetera. So that would be the first thing I would say. And then also remember, you guys the first 10 years of an amortized mortgage, 30 year fixed, amortized mortgage, how much of that payment is going to the principal? Because people will often push back by saying, well, either an interest only, or an adjustable and what happens if it changes or it goes up? Most of your payment is going to the interest anyway, and that reset to harvest equity. Borrowed funds are non taxable. We always say that, right? I think it's fully justified. So I love an arm, I just don't know, in comparison to a 30 year fixed today, like a five year ARM versus a 30 year fixed we are in a place that it makes sense, but normally, to your point, absolutely. Fan   Keith Weinhold  12:06   that spread needs to widen for the arm to make more sense. What about doing a mid week rate lock in? Is that a thing?    Caeli Ridge  12:13   Yeah. And you know, I don't have any empirical evidence here. Okay, I don't have any data points that actually prove this, except for 25 years in the business and locking loans every day of my life. There's something about a Monday and a Friday. And I have some conspiracy theories. I don't know that. I it's necessary to share them here, but midweek locks tend to be more favorable in both points and interest rate than you'll find on a Friday and a Monday. I think largely it has to do with, you know, the stock exchanges shutting down for the weekend, right? You got a Friday, you got two days in between. You got foreign markets, and all the things that can explode and happen during that amount of time. So I think they hedge a little bit. So on Friday, going into the weekend, I think that there's something about that and why interest rates are a little less favorable. And then Monday, of course, coming off the weekend, similarly, maybe there's some truth to that too.   Keith Weinhold  13:02   Now, negotiating seller credits has really been a trend to help with affordability. Tell us about specifically what you're seeing there, what's common.   Caeli Ridge  13:11   So we're talking to investors. I can tell you that the loan products you guys are going to have access to are going to cap you, okay, you're going to cap at, per guideline, 2% of the purchase price. Okay, remember that your points that you're paying when you get into locking an interest rate are going to be calculated on the loan size, all right. So the first thing to know is seller paid closing costs, maximum is going to be 2% per underwriting guidelines. That 2% is based on your purchase price. Anything that you're paying points for is going to be on the loan balance, the loan size, so there's going to be a little extra there for you that can contribute or can pay for some other closing costs, right, depending on the numbers. Now, if you're smart enough, or lucky enough, or whatever, the market is viable enough that you can negotiate more than 2% from the seller to pay towards closing costs, you're going to be limited on what you can do on the loan side. But let's say that you go and you've negotiated 4% seller will pay 4% towards your closing costs. Then in that case, you can reduce, you got the two points that you're allowed per guideline. And then you can reduce the purchase price by the difference you don't want to leave that money on the table.   Keith Weinhold  14:15   That's how it's done. And then there's just simply having a higher credit score. What's the highest credit score that really helps you get the lowest mortgage rate for both primary residences and non owner occupied properties. Loan product   Caeli Ridge  14:29   type dependent. But I would say overall, 760 and above is kind of that threshold. There are products that go 780 maybe even on the rare occasion, 800 and above. If I had to pick a number as the absolute pinnacle, I'm going to go 780    Keith Weinhold  14:41   All right, so having a credit score above those thresholds really doesn't help get you a lower interest rate. It's really just a little flex that you've got an 811, credit score, or whatever it is. Now the two, one buy down. That's something that we used to see long ago. A few home builders are bringing it back. And what that does it allow? Homebuyers to pay a lower interest rate for the first two years with the seller covering the difference, and that allows the seller to get their price. They don't have to lower the price of the home at all. But the two one buy down, and you see that written, two, one that has been employed more recently. Tell us about that.    Caeli Ridge  15:18   Well, the builders are struggling in some cases, right? The affordability buzzword is all over the place. So they've had to get creative and find ways in which they can move their inventory. So I think they've done a good job at kind of shaving off some of their margins to satisfy or improve the terms for the consumer. So I like the two. One, if you can get it   Keith Weinhold  15:37   now, one can boost their DTI as well their debt to income ratio and Taylor. When we've talked about that before, we've usually talked about reducing your debts in order to improve your DTI. However, a lot of people don't think about the fact that, oh, well, you can increase your income that lowers your DTI to help you qualify. So tell us what is the max DTI that you can have   Caeli Ridge  16:00   maximum debt to income ratio, in most cases on a full dock loan is going to be 50% now, depending on the type of income that you earn or that you've demonstrated, how you calculate that can get a little bit tricky. But if you're just a straight w2 wage earner, we don't have, you know, commissions or bonuses or anything that we consider variable income, then you just take your gross income times 50% whatever that number is, all of your liabilities on the credit report, we do not count ordinary living expenses like food and gas and utilities and cell phone bills. It's the minimum payments on the credit report. As long as whatever that add up is fits within that 50% you're good to go.    Keith Weinhold  16:37   Now, when it comes to improving our DTI to get a lower mortgage rate, I tend to think it's easier to knock out some debts to improve your DTI. But what about the other side of it? What about increasing your income to improve your DTI, lower your mortgage rate and qualify? Can you talk about some of the strategies for increasing your income with respect to DTI?    Caeli Ridge  17:02   Absolutely. And the biggest one, I think that we probably want to focus on most is going to be on a schedule E, right? That's the one that you're going to have more control over. So when we talk about rental income and how we might be able to boost that first, it might be important to share that there are two ways in underwriting that we will calculate or quantify rental income. The first way is called the acquisition year formula. I'll give you that in just a second. It's very easy, but the way I think we focus on here, because acquisition year is going to be what it is, you're going to have very little ability to manipulate or change that once our rental properties fall on our tax return, specifically the Schedule E of a federal tax return, you as the taxpayer or the borrower are going to have some access to maximize or increase the income, or, let's actually get a little bit more granular there to maximize the gain or minimize the loss, by means of depreciation, maybe a cost seg, maybe we make sure that one time, extraordinary expenses are demonstrated on the tax return in the appropriate way so that underwriting can add those things back. So I know that this sounds technical, but the scheduling is the way that I would say is the easiest for an investor to maximize income, reduce debt to income ratio. And I will close by saying that ridge lending, I think one of our most valued value adds is the ability to help our clients look at their draft tax returns on an annual basis and present them with, Hey, listen, Mr. Jones, if you file this way, this draft tax return, if it files this way, this is what it means to your debt to income ratio. Here's my advice, right? We go into a lot of depth there with our clients.   Keith Weinhold  18:39   That is a smart, long term planning piece that most mortgage companies are not going to give you. They're not going to be forward looking, looking out for your next three years of growing your income property portfolio. And shortly, we'll talk about a way for you to qualify loans where you don't have to show tax returns or W twos or pay stubs. But while we're talking about how to get a lower mortgage rate and some creative ways to do that, I brought up, buy now, not later. And what do I mean by that? What I mean is say, properties appreciate even 3% over time. Buying now, I mean that is going to net you more equity if you buy now rather than waiting, than it would in the savings from a rate drop, when you look at the appreciation run up, however, if rates go up, then you get both the lower price and the lower rate by buying now, not later.   Caeli Ridge  19:32   And I would add to that, we have to remember that in addition to a very modest 3% in the home appreciation, we should be appreciating our rents at even a modest 2% a year, right? Depending on where you are, et cetera. I know that there's exceptions to the rule. And then finally, we got to add in that tax benefit, what you're going to get in your deductions, et cetera, et cetera.   Keith Weinhold  19:51   Yeah, great point. Well, I brought up seven ways that you can get a lower mortgage rate. Can you share a few more with us? Some common ones? Because I know. That almost everyone that calls in there wants to inquire about mortgage rate as well.    Caeli Ridge  20:03   Everybody wants, yep, everybody wants to talk about the rate, despite my vervet opposition to say, do the math. Do the math. Do the math. You know, the easiest one there would be buying down the rate. I'm going to try and formulate an example. Let's say you've got a really high wage earner and in the thick of their earning years, and they're trying to prepare for retirement down the road. It's a longer term burn. They desperately need tax deductions, and the deal that they're looking at, yeah, it's okay, but they want some extra expenses on the Schedule E, maybe they buy the rate down by three even 4% because points on an investment loan transaction are tax deductible, so that might be something, and they obviously benefit from the lower interest rate. Now I may push back on this, and I think again, I know I sound like a broken record here, but we really need to do the math. What are we getting versus what are we giving up to get a 6% or five and a half percent interest rate? What does that mean in real, tangible cost, and what's that? Break even? It's actually a fairly simple calculation. When you just divide the difference in what you're getting versus what you're paying for, and that'll give you the number of months that it takes to recapture the incentive versus the expense. But that would be the easiest one. Keith, I would say buying down points, using paying additional points to get that lower interest rate,   Keith Weinhold  21:20   buying down your rate. It could feel good in the short term, but it's often not the best long term or even intermediate term move when you do the math, as you always like to say, well, you the listener here, you know that you can qualify for mortgage loans, for rental properties without needing a w2 without needing a pay stub and without even needing to show tax returns, because you need all those things for a conventional loan, but for a DSCR loan, debt service coverage ratio, you don't. So talk to us about the pros and cons of a DSCR loan versus a conventional   Caeli Ridge  21:53   loan. Okay? And I've got a hook here too, because I think the listeners are gonna be very, very pleased to hear at the end of this statement, what's happening with DSCR in conjunction or comparison, rather to the conventional so DSCR everybody means debt service, coverage ratio. It's a very simple formula. We are going to take the gross rents and divide it by the principal and interest and taxes and insurance and association. If it applies, that's it.   Keith Weinhold  22:18   $1,000 in gross rents, $800 in p i, t i, that yields a DSCR of 1.25 Correct?   Caeli Ridge  22:25   Yes, you're absolutely right. The one that I use as I, just to keep it simple, is 1000 rents, 1000 piti. That's a 1.0 right? As long as the gross rents are equal or greater than the p i, t i, you're going to be in a position to get the more favorable rates. Now that's not to say that we can't go below a 1.0 ratio. You can actually have a property, we have products that will allow the DSCR to be a point seven five. That would mean, in this scenario, if you had rents, gross rents of 750, and the piti was 1000 you can actually get that loan done. That is allowed. The rate gets a little bit hairy. So more often than not, we're at the 1.0 and above. So this is just a really great way for investors who are either recently self employed, maybe they're adjusted gross, they just write everything off for reasons that you can imagine. Why? Right? They don't want to pay the taxes. It could be 100 different reasons. The DSCR option is such a great solution to provide a 30 year fixed mortgage same same similar leverage, if not sometimes even better than a Fannie Freddie, than a conventional loan, you can usually leverage a little bit more, in some cases, on a DSCR like a two to four, for example, two to four unit residential property, Fannie Freddie, they kind of cut those loan to values a little bit, and the DSCR loans don't care about that. So you can get the same leverage as a single family would in a DSCR. The only other primary difference is these DSCR loans are going to come with prepayment penalties. Typically, the standard is about three years, but we're usually not refinancing in the first 36 months. Anyway, if you know that that's applicable to you, then you'd have to buy the prepay down or out, which you can do otherwise. DSCR is amazing. Oh, and I'll give you the little hook here. So something I have observed this is maybe very recent 4550 ish days, the margin for interest rate difference between conventional and DSCR is really starting to narrow. DSCR products are really performing well, and that interest rate improvements that we've been seeing for those products is not far off from what the Fannie Freddie's are, and I've even seen examples where DSCR beats a 30 year fixed Fannie Freddie rate. Now those are for the higher loan amounts. I can explain if you want, but otherwise, that's good news.   Keith Weinhold  24:36   Okay, this is really good news. It's a time in the cycle where dscrs could very well make sense for you without that huge documentation Shakedown that you need with W twos and pay stubs and everything else. There are a lot of nascent trends in the mortgage industry, and we're trying to separate some of them from being rumors, from being something that can truly happen. We're talking about 50 year mortgages and poor. Affordable mortgages. More on that. When we come back, you're listening to get rich education. Our guest is Ridge lending Group President, Chaley Ridge   Keith Weinhold  25:07   You know, most people think they're playing it safe with their liquid money, but they're actually losing savings accounts and bonds don't keep up when true inflation eats six or 7% of your wealth. Every single year, I invest my liquidity with FFI freedom family investments in their flagship program. Why fixed 10 to 12% returns have been predictable and paid quarterly. There's real world security backed by needs based real estate like affordable housing, Senior Living and health care. Ask about the freedom flagship program. When you speak to a freedom coach there, and that's just one part of their family of products, they've got workshops, webinars and seminars designed to educate you before you invest, start with as little as 25k and finally, get your money working as hard as you do. Get started at Freedom family investments.com/gre, or send a text now it's 1-937-795-8989, yep, text their freedom. Coach, directly, again. 1-937-795-8989,   Keith Weinhold  26:18   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 pre qual and even chat with President Chaley Ridge personally, while it's on your mind, start at Ridge lending group.com, that's Ridge lending group.com   Dana Dunford  26:50   this is hemlanes co founder, Dana Dunford. Listen to get rich education with Keith Weinhold, and don't quit your Daydream.    Keith Weinhold  26:58   welcome back to get rich education. We're talking with Ridge lending Group President and Founder, Chaley Ridge about how you can get lower mortgage rates, and also about some trends in the industry, separating what's really a rumor in what could really happen squaring on 50 year mortgages and portable mortgages, those are both things only being discussed by the administration to help with affordability. FHFA Director Bill Pulte created some jarring news recently when he publicized this. What are your thoughts on the 50 year mortgage?    Caeli Ridge  27:39   You know, on a primary residence basis, I'm not so sure I need to maybe put some more thought into that. But for an investment property, I love it. Man, anything to keep that payment down so that, because, remember, we talked about earlier in the show here the percentage of mortgages, let's just use our 30 year fixed for a second that for a rental property that start on day one and then stroke a check 360 times later to pay that to zero. Is a fraction of a percent right? We are refinancing these things. We are selling them and doing 1031 exchanges. So anything that can keep my cash flow higher and my payment lower, I am all for it. Now, the people that push back and say, Well, I want to pay off my mortgage in 15 years. I don't want to pay extra interest, you are welcome to do that. So there's a second piece to this that I think is equally as important as maximizing cash flow, and that is your qualification. All right, if this comes to pass, and right now, it could just be noise, okay, and I'm speaking specifically for investment property, but if this is available to us, the debt to income ratio component, because think about it like this. So I'm going to keep using my 15 year and my 30 year, because that's kind of what we understand. The payment difference between a 30 year 360 month and a 15 year 180 month can be substantial depending on the loan size. I mean, it can be hundreds and hundreds of dollars for the individual that is dead set and say, I don't want to pay the higher interest. I want to pay these things off. We may have arguments about that whole strategy to begin with, but overall, if they still want to do that and that's their decision, Fine, take the 30 year fixed payment. Take the 30 year fixed mortgage. Apply the difference. You can figure out that payment difference very easily. Apply it religiously. Every month. You will cross the finish line in about 15.4 years. Download an amortization calculator online. You can find them everywhere. Plug in your numbers, and you'll see what I'm talking about. If you were to do this, let's say the difference is 200 bucks a month, and you send it in every month with your 30 year fixed mortgage payment, you will cross the finish line to pay that thing off in about 15.4 years. So yes, you'll pay a few extra months of interest. But what have you done to your qualifications, right, your payment now on your debt to income ratio, when we're looking at this thing for a future optimization, never take the shorter term amortization, ever, ever, ever, you won't pay the higher interest that the 30 year or the 50 Year will probably come with because you've accelerated the payoff so long, if that's your choice. Now for everybody else that really wants. To maximize that cash flow. And they get that, they're going to be refinancing this every five, six, whatever it is, years take it, man, I am all for the longer term amortization on a rental.   Keith Weinhold  30:10   I agree with you. I even like the 50 year on a primary residence, but yeah, Chaley, right here on the show, several weeks before Bill Pulte made the announcement, I actually talked about the 50 year mortgage and compared it to the 30 and the reasons that I like it because I knew there was a chance it could be coming, since this administration is trying to do so much to help out with affordability, people buy based on a payment, not a price that lowers the payment. A 50 year mortgage helps you benefit from inflation, and there are a lot of other advantages that have to do with that, although you probably are going to pay a higher interest rate on a 50 than you would a 30. And you know, Chaley, when the 30 year mortgage had its Advent just after World War Two, I'm going to guess 75 years ago, people were having this same conversation like, oh, 30 years, my gosh, you're never going to pay off the home. And really, that's not what it's about.    Caeli Ridge  31:01   Not at all, not at all. And remember, you guys, I would encourage everybody listening to this to actually go get that amortization table and see how much interest is baked in and how it is applied and paid. It is the back end of any of these amortized mortgages where the principal actually starts to get applied in a meaningful way. The 50 year mortgage, or the longer term amortization is a huge advantage. I'm speaking for investors. Mostly. I love it.   Keith Weinhold  31:26   Some people say, are you nuts? Look at how much more interest you're paying over the life of the loan on a 50 year mortgage versus a 30 year mortgage. We already touched on that you're not going to keep that loan for the life of it, and if you just take the difference from the lower payment that a 50 Year gives you, and invest that in 8% return, you are going to crush 2x to 3x oftentimes, what the paltry interest savings are over several decades,    Caeli Ridge  31:26   and somebody else is making that payment right. We have tenants that are responsible   Keith Weinhold  31:47    100% and then there's something that I don't know if portable mortgages would fly. And what this means is that when borrowers move, they could keep the rate, keep their term and keep their lender, presumably for the new home you might have seen it in the news. You the listener that Fannie May remove the minimum credit score requirements from desktop underwriting. And Chaley, I think you let me know elsewhere that those changes don't affect non owner occupied, but of course, it could affect the broader housing market in pricing. What are your thoughts about lowering the credit score requirement   Caeli Ridge  32:28   so similar to the portable stuff, until it really reaches mainstream and it affects the non owner occupied I'm not deep diving into those things. The basis of it, though, is, is that, yeah, they're removing that minimum credit score requirement from a du underwrite that stands for desktop underwriter, as you said, that is Fannie Mae's sophisticated, automated underwriting system, and I think it's just going to give more eligibility to lower income households and people trying to become homeowners that have found the barrier for entry very restrictive because They have credit issues.    Keith Weinhold  33:00   Well, let's talk about FHA and VA loans, something that we have rarely, if ever touched on. Our listeners know that I started out making my first ever property of any kind, an FHA loan with three and a half percent down on a fourplex, living in one unit, renting out the other three. Tell us about some trends there in FHA and VA loans   Caeli Ridge  33:21   we actually just did house hack campaign. We did a webinar on it, co living, all those different ways in which, you know, the younger generation, especially, and this is true for anyone. I don't want to pigeonhole it, can get themselves into home ownership and propel them into the real estate investing as an asset class. I am such a big fan of this model, in this strategy, for anybody that's interested and willing to kind of coal mingle or habitat, like you did a four Plex at three and a half percent down, you've got three tenants that are making your mortgage payment. VA, likewise, any of the Gubby loans, which include VA, FHA, USDA, you can get high, high leverage and up to four units. So I'm a huge fan of that. And then the CO living is another thing that I think is not quite mainstream, but I think it's gaining steam    Keith Weinhold  34:09   for those that don't know what we're talking about, you can use an FHA loan with a three and a half percent down payment, as long as you live in one of the units, your credit score can even be pretty low, and you can do that with a single family home, duplex, triplex or fourplex. You can get those same benefits with a VA loan and zero down   Caeli Ridge  34:29   USDA also zero down if you're in the right zip code. How does one qualify for a USDA loan? You know, there's a website I would have you check out. We don't do a ton of those. We have the ability, of course, but there's income restrictions and all of this. They've got, actually, a pretty slick website where you can go online, type in the zip code, make sure it's in a rural area, what your income is. There's all these inputs, and it'll tell you if you'd be a candidate for it. But yeah, it's good. Rates zero down. I like the product.   Keith Weinhold  34:56   Well, there have been a lot of newsy items when it comes. Comes to mortgages. Caeli and I think we should drop back before we're done here and talk about the basics. Just basically, what does it take to get a non owner occupied loan for residential income property?   Caeli Ridge  35:12   You know, there's so many options for investors today that I would say that if you have access to and even with what we just said, house hack. I mean, listen, if you've got 3% down, three and a half percent down, you can probably assure yourself you can get into a property. And if you can't qualify from a income debt to income ratio perspective, you've got three or four other models, which include DSCR, bank statement loans, asset depletion loans, overall, I would say that this is an individual conversation. Chances are you could probably qualify today, and if you can't, one of the things that I love about Ridge lending is, is that we're going to help you plant the seeds and show you how to qualify. If it takes you three months or six months or a year, that's what we do.   Keith Weinhold  35:56   Yeah, we've definitely noticed the difference here and that you do help that investor with long term planning? I do my own loans at ridge, and my assistant here at GRE she recently got the ball rolling with you in there at Ridge as well.   Caeli Ridge  36:11   Brenda, yes, yes, that was fantastic. We are very looking forward to helping her.   Keith Weinhold  36:16   Well, you know, chili, I've come here with a lot of questions that I had. What's the question No one's asking you, but you wish that they would.   Caeli Ridge  36:25   I think it probably would be for me, planning. You know, we get a lot of questions about interest rates. That's kind of top of mind for everybody. More about planning, having people that are interested in real estate as an asset class and an investment have the conversations to say, this is where I'm at today. This is where I'd like to be in five years. Tell me how to get there, and we can have those high level conversations that really sort of reverse engineer it and say, Okay, this is where you stand today from an underwriting perspective. This is where you need to be, and here's how we're going to get you there. It's always about planting seeds and creating those roadmaps, as I like to say so I would say that that would be top of my list.   Keith Weinhold  37:02   That's exactly what you do in there, and that's really what sets you apart. Well, remind our audience how they can get a hold of ridge.   Caeli Ridge  37:11   Yes, there's a couple ways. Of course, our website, Ridge lending group.com Please email us info at Ridge lending group.com and then call us toll free. 855-747-4343, 855-74-RIDGE  is an easy way to remember.   Keith Weinhold  37:25   It's really been valuable this time. Chaley, thanks so much for coming back onto the show.   Caeli Ridge  37:29    Appreciate you. Keith.   Keith Weinhold  37:36   Oh yeah, good pointed info from Chaley over at Ridge, I think that the important things for you to remember from our conversation is that, gosh, isn't it so glaring like in your face that you have options. All these options when you engage with a lender, you're going to learn that there are probably loan programs that you've never even heard of, some that you might fit into and even if you aren't adding more property, if you're not in that phase, there are ways that you can take your existing loans and consolidate them or refinance them, or use them to produce a tax free windfall for yourself and the US is often the envy of other world nations with the flexibility that we have here in our mortgage market. I've never known anyone that does this better than Chaley and her team. I mean, they are real difference makers. If you learn something on today's show, hey, Don't hoard the good stuff. Engage in the nicest kind of wealth redistribution. Tap the Share button right now and share this on social, or text this episode to one friend who'd appreciate it. That would mean the world to me. I'm your host. Keith Weinhold, don't quit your Daydream.   Speaker 2  38:57   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  39:25   The preceding program was brought to you by your home for wealth building, getricheducation.com  

An Advent Journey for the Discerning Heart: Prepare your heart for Christ through Scripture, the saints, and the gentle practice of daily listening. Week One: Awakening the Listening Heart DAY 2 – Silence “For God alone my soul waits in silence, for my hope is from him.” Psalm 62.5 RSV Silence is the doorway through ... Read more The post Day 2 – Silence – An Advent Journey for the Discerning Heart – Discerning Hearts Podcasts appeared first on Discerning Hearts Catholic Podcasts.

In this season of the Strengthening the Soul of Your Leadership podcast, Ruth invites listeners to embark on a unique journey during Advent 2025. Departing from traditional liturgical approaches, we will focus on the overlap between the seasons of Advent and winter, inspired by Marilyn McIntyre's book 'Midwinter Light: Meditations for the Long Season.' Ruth will be joined all through Advent by Marilyn McIntyre, herself. Together they will explore themes such as inner reflection, the significance of silence, and the profound connections between spirituality and the physical season of winter.  This week, Ruth and Marilyn discuss the importance of recognizing and responding to the invitation for inward focus during this time and the subsequent freedom it can bring. We conclude with practical suggestions for embracing the quiet and contemplative aspects of the season and posing the following questions for reflection: How are you perceiving or sensing the invitation inward?  As you sense or perceive that invitation, do you feel yourself resisting, or are you willing? And finally, do you have any sense at all of what you might be invited to freedom from and freedom to?   Marilyn McEntyre is an author of over 20 books, including Caring for Words in a Culture of Lies (2021) and Speaking Peace in a Climate of Conflict (2020). Her book, What's in a Phrase? Pausing Where Scripture Gives You Pause won the Christianity Today book award in spirituality. Midwinter Light, reflections on poems for the “long season,” has just been released. A former professor, now writer, writing coach, speaker, and retreat leader, her deepest interests lie in connections between spirituality, language, healing earth, and each other. She teaches regularly for programs at Western Seminary, New College Berkeley, and the Oblate School of Theology.   Mentioned in the Episode: Being Mortal by Atul Gawande Reconstructing Illness by Anne Hunsaker Hawkins   Music Credit: Kingdom Come by Aaron Niequist Come Thou Long Expected Jesus from Advent Music in Solitude   Join us for our next Online Oasis—a sacred pause in a busy season. Together we'll remember Christ's coming, anticipate his coming again, and open ourselves to the tender ways he is coming to us even now—with light for darkness, peace for turmoil, and hope for despair. Join us this Wednesday, December 3, from 12 to 1pm CST for this Online Oasis, MakingRoom for Advent. The cost is flexible, as it is our hope that everyone who wishes to participate will be able to do so. Register today! We're starting a Substack! This will be “a new home for reflection, conversation, and connection with our transforming community.” Our new Substack is called “On the Journey with the Transforming Center,” and it will include thoughtful reflections from Ruth Haley Barton and the Transforming Center team, as well as alumni and friends of the Transforming Center, occasional special video teachings and guided practices, and space to interact with our content and respond with how God is working in your life through the posts. This will also be the new home of all of our podcast patron content! There will be free and paid tiers. We'd love for you to join us over on Substack. (Existing patrons, check Patreon for a special link to provide you with a discounted rate!) Support the podcast! This season patrons will receive spiritual practices tethered to the lectionary readings to accompany them through Advent. Become a paid member of Substack today to receive these practices and so much more!   The Transforming Center exists to create space for God to strengthen leaders and transform communities. You are invited to join our next Transforming Community:® A Two-year Spiritual Formation Experience for Leaders.  Delivered in nine quarterly retreats, this practice-based learning opportunity is grounded in the conviction that the best thing you bring to leadership is your own transforming self! Learn more and apply HERE.   *this post contains affiliate links

Matt Blackwell kicks off the Advent season by remembering Christ's eternality, omnipresence, omnipotence, and omniscience.

Deacon Brandon Elias - 1st Sunday of Advent 2025 by Chaldean Diocese

Fr. Jospeh Nannoshi - 1st Sunday of Advent 2025 by Chaldean Diocese

Jacob and Aaron take a look at the readings for the Second Sunday of Advent, which are Isaiah 11:1-10, Romans 15:4-13, and Matthew 3:1-12.

Transcription [Dr. Joyce Hightower] Welcome to Bridgeway Christian Church’s Daily Advent Prayer. My name is Dr. Joyce Hightower, and I’ve been a part of the Bridgeway community for over three years. Today is Monday, December 1st, and today and every Monday during Advent, we will reflect on the anticipation of the Messiah in the Old […]

Advent invites us to slow down, quiet our hearts, and prepare for the coming of Christ.In this guided Christian meditation, you’ll reflect on Scripture and rest in God’s peace as you anticipate the celebration of Jesus’ birth. Be Still: Advent Meditations for Hope, Peace, Joy, and Love helps you create space in this busy season to experience the presence of Christ and the peace He brings. Download your FREE Advent Guide here. The first week of Advent, we focus on hope—the hope we have because Jesus came once and the hope we hold because He will come again.In Psalm 62, David reminds his own soul to rest and trust in God alone. As you meditate on these verses, you’ll be invited to do the same—to find rest, peace, and renewed hope in the God who keeps His promises. Because this season can be hectic, I’ll release a short guided prayer each Wednesday during Advent to help you pause midweek and stay grounded in God’s peace. If you loved the music this week, it was used by permission of the artist Simon Wester. You can find more of his excellent music on Spotify here. Helpful Links:Download your FREE companion journal for Advent here.This beautiful guide includes:• All the Scriptures for this series• Weekly reflection prompts• Space to record what God is revealing to you Additional links: You can find out more about me, Jodie, at http://www.jodieniznik.com/ Follow me on Instagram @jodieniznik Follow me on Facebook @JodieGNiznik Learn more about Scripture meditation and download a FREE Guided Scripture Meditation Journal here. Join my Monday email newsletter here, where I send links to the newest meditation every Monday morning. Find out more about my partner, Life Audio, at lifeaudio.com. Download FREE sample chapters from my Bible studies here. Meditation Scripture: Psalm 62:5–8 (NIV) 5 Yes, my soul, find rest in God; my hope comes from him.6 Truly he is my rock and my salvation; he is my fortress, I will not be shaken.7 My salvation and my honor depend on God; he is my mighty rock, my refuge.8 Trust in him at all times, you people; pour out your hearts to him, for God is our refuge. Discover more Christian podcasts at lifeaudio.com and inquire about advertising opportunities at lifeaudio.com/contact-us.

Father emphasizes that we must begin with the Word.

The Gospel According to LukeNovember 30, 2025 • RD McClenagan • Luke 24:45–48This Sunday, RD launched our new series in the Gospel of Luke by highlighting Jesus' words in Luke 24, where He calls His followers “witnesses” to His suffering, resurrection, and the forgiveness of sins for all nations. Luke wrote his orderly account so that we could have confidence in the truth of Jesus and the historical reality of His life, death, and resurrection. Christianity is not a myth or moral story—it is good news rooted in real events, passed down by those who saw Jesus and were changed by Him. Our role as witnesses isn't to save anyone, but simply to share what we've personally seen, heard, and experienced of Christ's grace. As we enter Advent, we are invited to keep returning to Jesus in Scripture and by the Spirit, letting His ongoing work in our lives become a testimony that invites others to say, “Tell me more—come and see this man.”WEBSITE: https://fellowshipknox.org/INSTAGRAM: https://www.instagram.com/fellowshipknox/

https://wels2.blob.core.windows.net/daily-devotions/20251201dev.mp3 Listen to Devotion “Son of man, I have made you a watchman for the people of Israel; so hear the word I speak and give them warning from me.” Ezekiel 3:17 Watch and Warn We have all experienced those moments when we see danger approaching and feel an urgent need to warn others, “Watch out!” we shout. Perhaps a car backed up too quickly, or a child reached for something hot on the stove. In such situations, remaining silent would not just be wrong, but also unkind. This is the image God gave to the prophet Ezekiel. He was chosen to be a “watchman”—someone who remains vigilant and alerts people when trouble is near. However, the warning Ezekiel was to give was far more serious than damaged bumpers or burnt fingers. It concerned sin and its consequences. God called Ezekiel to deliver both hard truths and healing words. Although we are not prophets like Ezekiel, we share the same responsibility: to warn others and to bear witness. This calling can feel intimidating. Sometimes we keep silent because we are afraid of offending or uncertain about what to say. Thankfully, Jesus never chose silence. He spoke the hard truth to those who were proud and offered gentle words to those who were hurting. He warned about the reality of sin and called people to turn back to God. Even when people didn’t listen, Jesus did not walk away. He went to the cross. Jesus bore the punishment for sin so that we would not have to. He rose again to give us new life. Today, by his Word, the Spirit works in us to be loving and courageous watchmen for those around us. You do not need a loudspeaker or a pulpit to be a watchman. You just need the gospel—the good news of a Savior who came for sinners like us. This Advent, listen for the coming footsteps of Jesus and lovingly let others know that he is on his way. Prayer: Lord Jesus, thank you for speaking the truth in love and for taking my sin to the cross. Make me bold and gentle to speak your truth to those around me. Amen. Daily Devotions is brought to you by WELS. This work is licensed under a Creative Commons Attribution-Noncommercial-No Derivative Works 3.0 United States License. All Scripture quotations, unless otherwise indicated, are taken from the Holy Bible, New International Version®, NIV®. Copyright ©1973, 1978, 1984, 2011 by Biblica, Inc. ™ Used by permission of Zondervan. All rights reserved worldwide.

Could you use more peace in your life? For Advent, we're looking at the Abrahamic Covenant of Promise. Last week we introduced this covenant and looked at the Hope of the Promise. This week on the Advent calendar is about Peace, and we're dwelling specifically on the promise of land. Through this conversation, we see a sort of formula emerge: meditation on God's provision plus meditation on what is eternal brings peace. We can remember this with three Ps: Provision, Permanence, and Peace. Thank you for joining us - father-daughter duo Marcus Warner and Stephanie Warner - on the trail to a deeper walk with God!  

November 30, 2025. Fr. Tyler's homily for the first Sunday of Advent. Enjoy! Gospel Matthew 24:37-44 Jesus said to his disciples: "As it was in the days of Noah, so it will be at the coming of the Son of Man. In those days before the flood, they were eating and drinking, marrying and giving in marriage, up to the day that Noah entered the ark. They did not know until the flood came and carried them all away. So will it be also at the coming of the Son of Man. Two men will be out in the field; one will be taken, and one will be left. Two women will be grinding at the mill; one will be taken, and one will be left. Therefore, stay awake! For you do not know on which day your Lord will come. Be sure of this: if the master of the house had known the hour of night when the thief was coming, he would have stayed awake and not let his house be broken into. So too, you also must be prepared, for at an hour you do not expect, the Son of Man will come."

In this message, Andrew teaches that Christian hope is a confident expectation grounded in God's character and promises, not a curated emotional “vibe,” and he uses the story of Zechariah in Luke 1 to show how true hope is formed, tested, and fulfilled. People naturally live within layered and competing stories—God's story of redemption alongside cultural narratives of self-rescue, consumption, image, and control—and that these rival hopes subtly shape where we place our trust. Zechariah becomes a model of faithful endurance in disappointment, holding to God's promises even when his own long-held longing for a child remained unmet, yet his reaction to Gabriel reveals how deferred hope can make the heart resistant to receiving concrete answers. Advent announces God's interruption of every blended story by stepping into the world through the incarnation, replacing self-help stories with the saving presence of a real Savior whose coming brings a hope that does not disappoint. The way forward is to identify rival hopes, detach from the daily habits that reinforce them, and re-aim your trust toward Jesus through practices that retrain the heart to live in one story, under one King.

The people walking in darkness have seen a great light. A light has dawned in the land of darkness. Now, as children of the light, we hold fast to the confession of our hope as we await His second advent.

Advent begins. Help StarQuest bring faith and reason to the world. Become a $10/month patron (or increase your current donation by $10 per month) and be among the first 400 donors to receive a Mysterious World sticker signed by Jimmy and Dom. Your gift is matched up to $15,000. The post This Advent, Help StarQuest Continue the Mission appeared first on StarQuest Media.

Our Senior Pastor, Miles Fidell, kicks off this Advent season with the story of Jacob in Genesis, how the Lord transformed him from Jacob the deceiver to Israel the overcomer, and shares how the Lord is leading our church into a similar work, calling us to step into a new name after 11 years as Auburn Community Church.

An Advent Journey for the Discerning Heart: Prepare your heart for Christ through Scripture, the saints, and the gentle practice of daily listening. Week One: Awakening the Listening Heart DAY 1 – Wakefulness “Besides this you know what hour it is, how it is full time now for you to wake from sleep. For salvation ... Read more The post Day 1 – Wakefulness – An Advent Journey for the Discerning Heart – Discerning Hearts Podcasts appeared first on Discerning Hearts Catholic Podcasts.

Msgr. Esseff reflects on the start of this new Advent season in the life of the Church.  He makes suggestions on how we can make our spiritual journey more fruitful, not only for ourselves but also for the world. The post The 1st Sunday of Advent – Building a Kingdom of Love with Msgr. John Esseff – Discerning Hearts Podcast appeared first on Discerning Hearts Catholic Podcasts.

FAITH IS… with Pastor Rick Stevens – What's in your lamp? As Advent begins, this reflection invites believers to prepare with faith, hope, and love. Drawing from Jesus' parable of the bridesmaids, it calls for spiritual readiness rooted in hope rather than fear, encouraging practices that refill the soul and keep watch with joy for Christ's coming...

Fr. John Jaddou - 1st Sunday of Advent 2025 by Chaldean Diocese

Fr. Matthew Zetouna - 1st Sunday of Advent 2025 by Chaldean Diocese

Fr. Pierre konja - 1st Sunday of Advent 2025 by Chaldean Diocese

Fr. Fawaz Kako - 1st Sunday of Advent 2025 by Chaldean Diocese

The holidays are supposed to be joyful, but for many they feel heavy—filled with unmet expectations, quiet pain, or spiritual drift. The good news? Jesus didn't come for the ones who had it all together. This Advent, we're flipping the script on a familiar carol. Come All Ye Faithless is a reminder that the invitation to meet Jesus isn't just for the strong, but for the struggling. If you're hopeless, joyless, anxious, or lonely… you're exactly who Christmas is for. Thank you Dr. Jo Vitale from Kardia Questions for helping start our series! Connect with Us | Text Us: (650)600-0402

Transcription [Kyrie Newman] Welcome to Bridgeway Christian Church Daily Advent Prayer. My name is Kyrie Newman and I have been part of the Bridgeway community for 12 years. Today is Sunday November 30th and on Sundays during Advent we will pray through the weekly theme which is hope this week. Paul writes these words in […]

A winter storm canceled church, so here's a sermon of sorts.  Enjoy!

Advent begins. Help StarQuest bring faith and reason to the world. Become a $10/month patron (or increase your current donation by $10 per month) and be among the first 400 donors to receive a Mysterious World sticker signed by Jimmy and Dom. Your gift is matched up to $15,000. The post This Advent, Help StarQuest Continue the Mission appeared first on StarQuest Media.

There is hope because there is Jesus!

We are beginning a four week series through Advent as we prepare the way for Christmas. Advent is the season where the Church slows down so we can become awake to God's presence. It teaches us to wait, to notice, and to make room for the God who comes close.In this opening message, Pastor Bill calls us to step out of the rush and become present to what God is doing right now. Advent invites us to breathe, to pay attention, and to trust that God meets us in the real moments of our lives.Pastor Bill reminds us that thanksgiving is more than a reaction. It is a practice that grounds us and becomes the place where hope grows. Through Romans 5 and 1 Thessalonians 5, we see how joy, prayer, and gratitude shape us into people who can carry hope in every season, even in suffering or uncertainty.Advent forms us into people who recognize that God is near in the highs, the lows, and the everyday moments in between.

Jason Miller - As we begin our Advent path, walking together toward Christmas, we're celebrating the good news that God's love isn't love in the abstract; it's love in the neighborhood. What's Happening Give to our Christmas Offering. View our Advent Art Guide online, or stop by in person for a physical copy. Find our Holiday schedule on our website! Support the ongoing work of SBCC by giving to the general fund. South Bend City Church is a 501(c)3 tax-exempt organization. All donations are tax-deductible. Make sure to select the correct fund when giving.

In this first week of Advent, we explore how the arrival of Jesus invites real and often uncomfortable change. Through the story of Herod, the wise men, and the themes of Advent Conspiracy, we are reminded that worship is more than songs or rituals. It is the offering of our whole lives. Like the baby in “The Luck of Roaring Camp,” the birth of Jesus disrupts our patterns and reshapes our priorities. This sermon invites us to embrace a season of transformation and worship fully.  

First Sunday of Advent

Pastor Micah discusses hope as resistance to empire by looking at the complexity, difficulty, and necessity of hope in a world that seems lost in brokenness and violence.

This Advent, we begin a new series, Prophecy Fulfilled, exploring how Jesus perfectly completes the Old Testament's promises. In this message, Pastor Olu focuses on Isaiah's prophecy of a coming King and its fulfillment in Luke's announcement of Jesus' eternal reign. Where human rulers fail, Jesus—the humble, obedient, and sovereign King—alone carries the weight of our lives and the cosmos. His reign brings the peace, justice, and security every heart longs for.

It may be the beginning of a season of waiting, but not here at Project Zion! Co-hosts Karin Peter and Blake Smith jump right into the new Lectionary year … journeying with Jesus through the gospel narratives.  That's right, we're journeying with Jesus and waiting for him to be born. The important thing is that, on this First Sunday of Advent, as the world around us seems to be awash in darkness, we know that just around the corner, the light is coming!  Be awake!! Listen to more episodes in the Coffee to Go series. Download the TranscriptThanks for listening to Faith Unfiltered!Follow us on Facebook and Instagram!Intro and Outro music used with permission: “For Everyone Born,” Community of Christ Sings #285. Music © 2006 Brian Mann, admin. General Board of Global Ministries t/a GBGMusik, 458 Ponce de Leon Avenue, Atlanta, GA 30308. copyright@umcmission.org “The Trees of the Field,” Community of Christ Sings # 645, Music © 1975 Stuart Dauerman, Lillenas Publishing Company (admin. Music Services). All music for this episode was performed by Dr. Jan Kraybill, and produced by Chad Godfrey. NOTE: The series that make up Faith Unfiltered explore the unique spiritual and theological gifts Community of Christ offers for today's world. Although Faith Unfiltered is a Ministry of Community of Christ. The views and opinions expressed in this episode are those speaking and do not necessarily reflect the official policy or position of Community of Christ.

December is crowded—calendars, headlines, even our minds. Advent invites us to make room: for awe that slows us down, for faith that says “let it be,” for joy that grows in community, and for peace that meets us right where life is loud. In Luke’s opening chapters, ordinary people make space—and God fills it with presence. Join us as we practice simple, practical rhythms to make room for Jesus this Christmas.