Podcasts about Amigo

We often hear investors tell the story about starting in single-family rentals and then quickly changing to multi-family properties to kick their growth into hyper-speed. But that transition is not always perfectly seamless. In this episode, Emil shares his struggle with one of his multi-family properties, and Michael helps him come up with a plan to solve his problem. --- Transcript Before we jump into the episode, here's a quick disclaimer about our content. The Remote Real Estate Investor podcast is for informational purposes only, and is not intended as investment advice. The views, opinions and strategies of both the hosts and the guests are their own and should not be considered as guidance from Roofstock. Make sure to always run your own numbers, make your own independent decisions and seek investment advice from licensed professionals.   Michael: What's going on everybody? Welcome to another episode of The Remote Real Estate Investor. I'm Michael album and today I'm joined by my co host,   Emil: Emil Shour.   Michael: And today, Emil and I gonna be talking about his real life debacle that he's in with his triplex and how he's going to be getting himself out of it. So let's get into it.   All right, well, a meal first and foremost, and to all of our listeners and watchers. Happy New Year. We're recording this a couple days after the first, you have a good celebration?   Emil: Happy New Years, my friend. Yes. I had some delicious I made some wagyu steak at home. We fired up the hot tub at our new house. So it was very mellow, but very relaxing and awesome new year. How about you, man?   Michael: Nice. It was great. I went with my wife to a friend's house out in Stinson Beach. California was just right on the water hanging out through the beach walking doing some paddle boarding so no complaints very relaxing.   Emil: Very good man.   Michael: So today earlier before this episode, you and I were chatting and you've got this triplex and it's given you some headache. And I know you've talked about the this particular triplex in the past but maybe never in this capacity. So if you could bring all of our listeners up to speed what's going on with this triplex?   Emil: Oh, man, so for anyone who's probably been listening to the show for a while they know the infamous triplex I'm sure you're tired of hearing about it. But this was a triplex I bought is my first foray into small multifamily. I bought this the end of 2020, November 2020. middle of last year, we had as planned some tenants move out, which was great. We wanted to do some work because it was pretty far under market rent. And so long story short, took us a couple months got the work done. And this one unit of mine has just been sitting vacant for a very long time.   I had a my previous pm who wasn't very good. They came to me and they said, all right. It's very diplomatic of you. We have it I have a new property manager as of late so we're seeing how they're doing. But this property manager, we finished everything, the leasing agent. I thought this this property could probably rent for or this unit would rent for somewhere in like the $600 neighborhood. He's like, No, the market has gone up a ton. It's really hot in St. Louis right now. I'm going to shoot for $850 and kind of raise a red flag, but I'm like, You know what, I think this will be a good test of this leasing agent. If they're confident it they can make it happen. I mean, who's gonna say no to 200-250 bucks more rent per month, right? Like, I was like,   Michael: Okay, and this was, this was the old pm?   Emil: This is the old property manager. Correct. Okay, so sir, a 50. Crickets, I think a month later. Yeah, go ahead.   Michael: Sorry. Emil, what was the rent when you bought it?   Emil: The rent on this unit was I think 485 or something.   Michael: Okay, so you did the Reno and then your projection of six to 650 was already a big jump, but they're saying, Okay, now maybe almost double.   Emil: Right. Right. They're saying, you know, okay, we've seen rents go up across the country. They, I think they just overshot it. But I was, again, testing, right property manager I've been working with for about six months, new leasing agent, let's see what they can do. Right, let's see if they can, I think these are all just things to test, right. I try to trust and enable my property manager as much as possible. So I just let them run with it sits there for about a month, nothing, not getting really any applications with decided lower to 800 nothing for another two, three weeks, we lower it to 725 as Keep going Keep going. We get down to I think 675 650. And it had been months and months. And it was just the same old story, you know, property. The leasing agent coming back to me every week, telling me oh, I'm confident we're gonna get it this week. And it's just crickets every week.   And so, at that point, you know, this property with with getting it rehabbed and being marketed, were at like, five, six months of no rents. And to me it was just a major, major red flag. Like we're in a hot market, it's true rent is going up, but they just can't execute. And so for me, it was a time to pull the trigger and find a new property manager. I like to move fast. I don't want to wait too long. I think I gave them enough chance and I just wasn't really happy with what they were doing. So I have since then moved to a new property manager, the beginning of December. We've been Marketing at 650. And we're getting kind of similar stuff.   What's interesting though, what the difference is here, this property manager, they no longer accepting voucher tenants, and they just have higher qualifications, which I'm okay with. I'm okay if we wait a little.   Michael: And what's a voucher tenant?   Emil: Voucher is Section Eight, someone who meets a certain income threshold where the city the local authority is helping them pay their rent.   Michael: Okay, so this Pm is not accepting those tenants.   Emil: Yeah, they've decided, I think this is recent, they decided they're no longer filling vacant units with voucher tenants. So okay, which is fine. I want them to manage, you know, I want them to do whatever they're comfortable with, they have 1200 plus units, they manage they know this game, so I'm letting them handle it.   So it's a new year, you know, December was slow the holidays, we didn't get much. And so now it's like, my leasing agent comes to me, he's like, I think we should be at 600. That seems where the market is, is telling us to be. And so, you know, this is just a rough spot for me where I'm like, What do I do here? I've tried multiple property managers. Is it my location? Is it the property like what's going on? And I, you know, I get different answers every week. But it's like, Man, I don't know. I'm curious if you've been in positions like this, what do you what have you done to get a tenant in place? Some additional background, I'd call this a classy property over 100 years old, you know, it's been, there's things have been fixed, but it hasn't gone like I didn't got rehab this place or anything special. So okay. That's the context.   Michael: All right. Well, I've got an answer for your question. But I'm gonna first answer it with a couple of more quality questions for you, my friend. So this Pm that you got rid of, because I think I know, I've been hearing a lot of stories like this from people both in the academy, and then just people, fellow investor, friends and colleagues that they're frustrated with their PM, and they don't know what to do, and they don't know how to approach a situation. So was this lack of getting a proper at least, like the final straw? The, the, the, the property manager had been kind of screwing up up to this point. And this was the straw that broke the camel's back, or, or was this kind of that first, second and third strike for you that said, Hey, I gotta I gotta make a move.   Emil: The rehab, I think was it went a lot longer than originally anticipated. I think that's every rehab, right? Like, every time you hear about that, it was just like, you know, I got pictures back. And the quality of my property managers telling me, oh, work was great, blah, blah, blah, I'm looking at the work. I'm like, yeah, it's okay. And it looks like we you know, we didn't pay. It wasn't the cheapest, but it wasn't the highest. I don't know, just, it was a couple things for me. But I would say the majority of it, it's the if you can't lease my place, like, how can I continue working with you? That was the majority of it, like, your leasing agent isn't doing their job? I can just keep a property with you. That's sitting two thirds vacant?   Michael: Yeah. Now it makes total sense. And so what was the physical process that you went through to get a new property manager? Was it a, let's have a discussion with the existing pm saying kind of an ultimatum, hey, if you can't do this, then this is the consequence? Or was it you know what I'm so fed up. And now I did this other stuff. So walk me through what you did.   Emil: I thought about saying, Guys, if you don't get this place rented by the end of whatever, like, I need to move on. My fear there is then I'm basically forcing their hand to find a terrible tenant, just to fill the place and keep my business. So I refused. I didn't want to set an ultimatum and then be in a worse situation a couple months down the road, I try to work with them. You know, I'm following up. I'm not like playing on the sidelines, like I'm getting regular updates. I'm trying to just hold them accountable as much as I can. And just seeing how they do things. And I I wasn't happy with it for months. And so for me, it was just time to move on. Try something new.   Michael: And so were you interviewing other PMS? Did you cut the cord before you found a new one? What was that process? Like?   Emil: You know, I talked to this was my second property manager in St. Louis. So I had been talking to some other property managers, there's people in the academy who you know, I chat with in Slack, and they tell me, Hey, you should check out so and so. It's funny, you talk to two different investors who've used the same property manager and you get a different story. And so I hadn't, I hadn't there was one backup I was thinking of, but I had mixed reviews about them. And then actually, you had a friend who was raving about a property manager they use in St. Louis. And I, you know, I was getting fed up like, Hey, man, just give them a call. So I called them we had a good conversation. They seem like they really knew their stuff and so, so further out has been great.   You know, the last property manager, I was using smaller team, which I was curious to see, like, you know, do I get a little bit more sway with them because they don't have 1000 plus units. But I think sometimes you find that their operations are lacking, or as this company 1200 Plus units, their operations are much tighter, I get answers faster. They have a person who like they have people who master a certain domain, not like you're wearing seven hats within the company, which is actually yeah, I think better personally.   Michael: Yeah. Makes total sense. Just, you know, why did you say you're so surprised? Like, can you have a friend like, what are you just like, pick? I don't have friends.   Emil: And what was funny, because you asked, and I'm like, Well, you know how this story ends? She told me about the property manager. You're asking me like, you don't know. But you know,   Michael: It's it's part of the ship, man, you know, it's for the pod. Alright, cool. That makes sense. And I think that's really good takeaway from from like a process standpoint, for anyone who is in a similar situation or feels like they might be in a similar situation with the property manager of being kind of fed up or having the the demerits accumulate. This is a pretty repeatable process that anyone can go through. And frankly, I think you should be interviewing property managers, as soon as you get an inkling of yours not working out, because you don't want to wait till after the fact you don't wanna be playing catch up, you want to be proactive and have a plan B, and possibly even C, for if and when that day ever does come that you're like, I'm done.   Emil: Yeah, I can tell you personally, every time I've started to have doubts about a person, a vendor, or whatever, and I try to work through it, it almost always doesn't work out. So I feel like once you have that gut feeling like things aren't working out. Like you said, you should be talking to other people as a backup, because I found it rarely works out.   Michael: Yeah. But so do you think then now having had that experience, you as soon as your next vendor, or relationship you get that gut feel? Are you going to cut the cord sooner? Or are you still going to try to kind of work through it to give people the benefit of the doubt?   Emil: I stupidly still give people benefit of the doubt and try to work through it. Because you know, I'm, I'm not like going to fire somebody at the first. A mess up is different to me than like, I don't feel like this is going to work out. Everyone messes up its account, a bit like, are they accountable? Do they have a plan for how to fix this? It's a matter of like, when people mess up and there's no accountability, and they're not. They don't have a game plan for how we're going to fix this or anything. Or they're just being vague. That's when I'm like, Okay, this is starting to give me red flags.   Michael: Yeah, makes total sense. And then just out of curiosity, when you ran this, the numbers on this property, how did it cash flow? I mean, what was your expected monthly cash flow?   Emil: I don't remember the number I can probably go dig it up. It was probably gonna, I think it was gonna be once we rehabbed it, you know, if I include all the rehab costs, as like, my cash in the property, we were probably going to cash on cash around 10%. I think it was   Michael: Okay. And so now the fact that this property or this unit, the middle or whatever, the the unit is vacant, are you negative cash flow every month? Are you still able to cover your costs?   Emil: Uh, that one we were okay with when it was offline, we have the bigger townhouse style of the triplex vacant. That's the moneymaker. Right? That one's like 1000 Plus that we're marketing it for right now. It was at like 850 or 900. Before. So with just the one bedroom that we were talking about just now, offline or vacant, we were okay. But now that two are are vacant. Yeah, we're, I'm coming out of pocket every month. Right now.   Michael: Okay. All right. And so is your property manager seeming confident that I can get the bigger unit rented out just as easily as the smaller one.   Emil: They I mean, when I'm looking around my like, on Zillow for in the area for a three bedroom apartment. There's nothing right now. So for me, it's a rough time because it's the new year. It's cold, usually in colder climates, tougher to get people moving, like people don't move as much during the winter. Plus, you also just had the holidays. So not a lot of people, not as many people are moving. But in looking at the landscape. Like within a half mile mile radius. There's literally no three bedrooms for rent. So anyone who needs some bigger space, we're looking pretty good. I just think it was a time of year. So I'm more optimistic about that one. I'm just this this one bed one bath is like, Man, when are we going to figure this one out?   Michael: Yeah. All right. Well, that's super good perspective and good background. So getting back to the crux of your question with you know, advice tips have ever been a situation before? Yes to all three. In April of 2020. So right when COVID was really hitting hard in the States, I was trying to rent out a freshly rehabbed four unit that I talked a lot about on prior episodes, which is like, Oh, my God, could you have picked a worse time to have four units have to come online. And like at a at a premium, they were really expensive units, because I put a ton of money into them, they're very high end, because when I started the rehab in 2019, that's the way things were going. And so things would have worked out quite well.   And so we just could not get these things rented for the life of us, my property manager, somebody your started high, and then brought them down low, which I was fine with, because they've been vacant for so long. So it's an extra three, four or five weeks to try to get them leased up. So it would came to a point where we were kind of at our bottom threshold of where we could be. And I said, Hey, let's start doing some some moving specials. 200 bucks off, 300 bucks off 400 bucks off per month to get someone to move in, just so it made that easier for them to get in the door.   Because I think that I think a lot of people forget myself included, is when you physically go move into a new property. There are a lot of expenses associated with doing that. So first and foremost, there's the physical cost of moving, if you're going to rent, some kind of assistance, whether that's movers or a truck, whatever, then there's a security deposit, which is usually at a minimum, one month's rent could be one and a half month's rent. And then you have first month's rent, and sometimes last month's rent. So depending on what the lease structure looks like, I mean, so for that $600 A month unit, you're looking at a minimum of 1200 bucks if they move themselves 600 bucks and in deposit 600 bucks for the first month's rent. And so if you could just make it a little bit easier on someone to move in, it can often go a long way towards actually getting the needle moving, so to speak.   And so we did this on, I think three of the four units. And we had people in there, I think within a month, which was pretty awesome. And so what I did is basically I just said, Okay, how much is this each unit? How much is it costing me on a daily basis in like last opportunity costs essentially. And so what I figured out is, look, if I can get someone here in here in two weeks versus a month, and I'm giving them 400 bucks off, I'm kind of picking numbers here at random. That's actually cheaper than if the thing sat vacant for an additional two weeks. And so I would encourage you to do the same thing and sit down and say, Okay, what can I stomach from a financial perspective? Forget the ego side. But put that aside, your ego is not your Amigo. And you know, what can you financially stomach and say, Okay, well, if I can get if I give that to a discount, and somebody just to get them in here is you know, that can often be a really good move.   Emil: Yeah. I have a question. Did you find that you guys weren't getting a lot of activity? And then you did that special? And you were? Because we're we're getting interest? We're just not getting qualified applicants. So did you guys have a like a traffic problem? Or was there a quality problem as well that your PM was like, No, we don't want these types of this tenant doesn't qualify before you?   Michael: I, I think it was both, I think but because they handle all the inbound leads. That's not something that I get too involved in. So I don't I don't really remember specifically. But I think it was both a traffic and a quality issue. But try it. I mean, worst case scenario, you still don't get any qualified tenants inside two weeks, and you take it down, and you go back to what you're doing originally. I don't think it it hurts to try.   Emil: Yeah, yeah, I should. I should just email my leasing agent. Honestly, I'm gonna do that right after this episode be like, Hey, let's do a $200 off special. And we should just time bound it right. Did you guys time bound to like move in before the end of January or? Yeah,   Michael: Exactly. Yep. To encourage encourage people to stuff like, Hey, here's a carrot to do something.   Emil: Right. Cool. I'm doing that right after we hit pause on this. Yeah, stop record. Right.   Michael: Yeah. Can you post it? I think little things to differentiate yourself too. Because I mean, there might be a bunch of other ones in the area for 600 bucks a month. Right? But if you can be different. And we all like to think that we're different because of whatever we did to the property physically, that we put in granite countertop, whatever, why couldn't someone see the value here, like, of course is a good deal. But we need to remove ourselves from the situation. And so yeah, often just giving a monetary instead of like money talks.   Emil: From these experiences, do you when you go into a vacancy, and when you're going to rent it out? Where do you like to be? Do you go market do you start a little high and come down if it doesn't work out? Where do you how do you start the game?   Michael: Yeah. So on these ones, we started definitely top of market because they were brand new. And so that didn't work out. So then we kept lowering and lowering and lowering. So I think that especially for for some of the markets that I'm in and in the price points for the rents that I'm in the difference between market and under market, like isn't a huge deal, right? You know, 50 bucks, maybe maybe 100 bucks versus what does that vacancy cost? In, in the amount of time it takes you to get that unit leased?   Emil: Right.   Michael: So it tends to be nominal. And so I'm happy being slightly under market, just to get bodies into the property qualified bodies into the property. But that's how I think about it. And then once someone's in there, I mean, it's much easier to keep someone and incrementally incrementally increase the rent, as opposed to trying to get someone in at a much higher rent. And so that's what we did on the on that four Plex is I knew that we were well under market. And so I got seven to 9% rent increases almost across the board on those units, because the rent went up, but it was still a great deal. So that's kind of how I think about it.   Emil: Yeah, I'm, I'm starting to feel the same way. Like if my property manager ever wants to go above, I'm going to say, no, I'd rather be at or slightly below and get someone who men turns are the worst vacancies are the, like, they crush you. So if you can be a little bit under I mean, I get it for commercial stuff. You know, every extra dollar you get of NOI it changes the value of the property, I get that. But in the single family and small multifamily space where things are run on comps, right? Like, I think getting rid of your vacant like having less vacancy, having someone just stay longer. I mean, I've seen it in my own portfolio, like the best performers are the ones where the tenants just don't move, and you slowly increase their rent, you know, maybe, maybe it's even small moves, nothing, maybe it's 2%, whatever it is, but like, making sure you don't have vacancies is like so key.   Michael: It's so so key. It's so key. And I mean to that point, too. And when it comes time for renewals, like you mentioned, think about even maybe not raising my rent, if someone's a really great tenant, what's it worth, it's you to keep them, right, 25 bucks a month, 30 bucks a month of what you might get in an increase. I think we need to sometimes get outside the spreadsheet, and just look holistically and say, okay, is this truly worth it?   Emil: No, Michael, my cash on cash will only be 8% instead of nine. And I'm not happy with that.   Michael: And my pro forma said nine.   Emil: That's right. And I want to tell people about my percentage on the spreadsheet. But let me tell you the percentages blow up real fast when you have a three to six month vacancy.   Michael: Yeah. So yeah, very, very fast.   Emli: So anyway, that's, that's what I've learned.   Michael: Awesome. We'll do this was like super insightful and great, I think, for a number of different reasons to talk about problems with PMS problems with leasing problems with rent setting. This is all really real world stuff. And it's not always butterflies and rosebuds, so I appreciate you being vulnerable and sharing with us.   Emil: Absolutely. I mean, I like when people talk about this stuff, like the actual stuff going on instead of   Michael: The real stuff.   Emil: Yeah, instead of just, you know, it's always this we talk about all the time, this is this is part of the business, like you have to be good at dealing with problems. It's not, you know, just mailbox money all the time. That's not how it works. So I think people have more realistic expectations. It's easier to when you have those challenges to just work through them so…   Michael: Well, already when that was our episode, a big thanks to a meal for sharing. This was great, man. really insightful, really humanizing, you know, this is good. This is good. This is therapeutic. This is cathartic. It's good to talk about the crap stuff.   Emil: That's right. You gotta you gotta.   Michael: As always, if you liked the episode, feel free to leave us a rating or review wherever it is that you listen to podcast. We look forward to seeing on the next one. Happy investing.   Emil: Happy investing everyone.  

Se rife con la que vive en Granada

This episode doesn't go off the rails at all. Dan learns about jars, Mary schools everyone on pickling, and Mike recounts his love for Fireballs. Also, the trio chats extensively about Nobody Saves the World, Sea Man, Samba de Amigo, and the sensation that's sweeping the world, Wordle.

Hoy escucharemos a @pablosolislc reflexionar sobre el Evangelio de San Marcos (2, 1-12).  Un podcast del Regnum Christi parte de http://JuanDiegoNetwork.com (JuanDiegoNetwork.com) Support this podcast

P. Federico (Guatemala)-No se trata solo de pasar un dato o transmitir un mensaje, sino de provocar un encuentro con Jesús. Tu fe, vivida con sencillez y autenticidad, es de gran provecho para tus amigos, familiares y compañeros.

Kenny Scharf se ha convertido en uno de mis artistas favoritos y me encantaría contarte su historia para que sepas por qué.

In dieser Sonderfolge lässt Matthias seine beiden Amigos im Stich und spricht im Alleingang über die besten Filme und Serien, die er in 2021 gesehen hat. Viel Spaß beim Hören! Folgt uns auf Twitter, liked uns auf Facebook und besucht unseren Blog! Folge direkt herunterladen

Es un honor tener como AMIGO y claro, como invitado a alguien que ha hecho y logrado lo que mi querido Aarón Benítez ha logrado. El Rockstar de la innovación abre su corazón y su cerebro para conversar sobre: sus inicios, la pobreza, la mentalidad, pero sobre todo qué podemos hacer tú y yo para estar mejor, hacer nuestra marca personal y ser AUDAZ siempre. Acompáñame a disfrutar esta entrevista deliciosa  donde hablamos de temas fuertes, quizá controvertidos pero muy importantes.   

MEU AMIGO DE INFÂNCIA FEZ 1 MILHÃO EM 1 SEMANA | ERICO ROCHA by Erico Rocha

This week we discuss we friend of the show Trey, The Facial Hair Sweeping the Nation, Indie Sleaze, Defining Our Individual Style, Disgust, Fauci Facts, Max's Trip to the Metaverse, Adult Indoor Soccer and Podcast Resolutions. --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app --- Send in a voice message: https://anchor.fm/detail/message

Por Pr. Neil Barreto. Mensagem da série "Domingo em Betânia". https://bbcst.net/K8037M

======================================== ==SUSCRIBETEhttps://www.youtube.com/channel/UCNpffyr-7_zP1x1lS89ByaQ?sub_confirmation=1======================================== == DEVOCIÓN MATUTINA PARA MENORES 2022“UN RAYITO DE LUZ, PARA CADA DÍA”Narrado por: Linda RumrrillDesde: Gran Canaria, EspañaUna cortesía de DR'Ministries y Canaan Seventh-Day Adventist Church01 DE ENEROVIVIENDO POR FE"La fe es la garantía de lo que se espera. La certeza de lo que no se ve" (Hebreos 11: 1, nvi).¡Qué lindo es empezar algo nuevo! Casa nueva, ropa nueva, un nuevo año de clases en la escuela, una receta de cocina nueva; todas son cosas que nos traen emoción y expectativa. Hoy también espero que hayas abierto este, tu nuevo devocional, con alegría y entusiasmo, oliendo tal vez el aroma a tinta, y preguntándote de que tratará. ¡Lo iremos descubriendo juntos!Hoy empieza un nuevo año. ¿Qué desafíos traerá? No lo sabemos. Pero sí sabemos que tendrá momentos alegres, y quizás algunos tristes; y que Dios siempre estará a nuestro lado. ¿Cómo lo sabemos? Pues porque él lo prometió en su Palabra. Y porque tenemos fe.¿Qué es la fe? Es importante que lo sepamos, pues este mes vamos a hablar mucho acerca de la fe y de la fidelidad. La fe es estar seguros de cosas que no vemos. Es confiar. Para muchos de los científicos de hoy, creer en cosas que no vemos es una idea ridícula. Según ellos, si no lo puedes ver, medir y tocar, ¡no existe!Pero te hago una pregunta: cuando estás en una habitación, y tu papá en otra, ¿cómo sabes que él está allí realmente? Tal vez, de repente estornuda, o tose, o quizás sus pantuflas hacen un ruidito cuando mueve los pies. Yo sabía dónde estaba mi papá porque silbaba ¡todo el tiempo! Algunas veces, sin embargo, tu papá puede estar completamente callado y sin hacer ningún ruido. ¿Cómo sabes, entonces, que él está allí? Muchas veces, simplemente, porque él te dijo que estaría allí. Y tú le crees.Puedes tener fe en algo que no veas, porque a veces lo sientes, lo percibes de alguna manera. ¿Cómo sabes que Dios es real y te cuidará este año? Porque siempre te ha cuidado. Porque sientes su presencia en tu vida. Y puedes tener fe en que Dios te guía porque él cumple sus promesas. ¿Crees en él? ¿Tienes fe?Ten por seguro que, con Dios de tu lado, puedes comenzar hoy viviendo por fe, sabiendo que cada día será una aventura junto a tu Dios, quien está a tu lado, tu mejor Amigo. Cinthya

El ultimo episodio de este año 2021 y lo despedimos con tristeza porque nuestro AMIGO, COMPAÑERO, HERMANO Mario Navarro abandonará el Podcast por motivos personales. Hablamos sobre el año futbolístico 2021: La liga del Atleti, la Copa del Barça, la Europa League del Villarreal y la Champions del Chelsea así como de las salidas de dos grandes mitos del fútbol español, Sergio Ramos y Lionel Messi

ASSISTA A SÉRIE O PROCESSO: https://www.youtube.com/watch?v=JToNWIf_6CU&list=PLmWfMqlgSlfaRwn7i4wvh470UugkY3Pzp Seja membro deste canal e ganhe benefícios: https://www.youtube.com/channel/UC-a7PsMPcrfk_oi7JZhJOcg/join Segue a gente nas outras redes tb @podihhcast Tem canal de CORTES! - https://www.youtube.com/channel/UCZc2umMjCiT_zA3pVh-XtCQ LEMOS OS SUPERCHATS DURANTE OS PROGRAMAS AO VIVO! Me ajuda a te ajudar. Faça uma doação e tenha sua pergunta ou comentário lido no ar. Regras SuperChat 10,00 - POR DÓ 20,00 PRA CIMA - LEMOS SUA MENSAGEM 150,00 MERCHAND DA SUA MARCA OU REDE SOCIAL EXCLUSIVO, COM PARTICIPAÇÃO DO CONVIDADO QUE NÃO GANHA NADA COM ISSO! 300,00 - QUER SE EXIBIR -- GARANTA A SUA HQ DO ANJO ASSASSINO: www.dihhlopes.com.br . . . Podihhcast Dihh Lopes Murilo Moraes Luciano Guima

«Estas cosas les he hablado para que en mí tengan [perfecta] paz y confianza. En el mundo tendrán aflicción, pruebas, desánimo y frustración; pero anímense… yo he vencido al mundo» (Juan 16:33, AMP) Jesús te confirmó que mientras vivas en el mundo, tendrás aflicciones. (¡Te lo puedo asegurar!). Pero no solamente estás en el mundo. Estás en Jesús en el mundo, y eso hace una gran diferencia. Tú estás en Él, y Él ha vencido toda clase de problemas. Como hijo de Dios, no eres alguien derrotado que trata de obtener la victoria, sino que eres el vencedor, y Satanás está tratando de robarte la victoria que ya te pertenece. Cuando recibiste a Jesús como el Señor de tu vida, naciste en victoria… porque el Vencedor vino a morar en ti. Piénsalo. Jesús el victorioso, el Ungido, el Señor glorificado y resucitado, el Soberano del Universo, mora en ti. Amigo, recobra el ánimo. Ten “perfecta paz y confianza”, porque ¡es Jesús quien vive en ti! Lectura bíblica: Juan 16:15-33   © 1997 – 2019 Eagle Mountain International Church Inc., también conocida como Ministerios Kenneth Copeland / Kenneth Copeland Ministries. Todos los derechos reservados.

ASSISTA A SÉRIE O PROCESSO: https://www.youtube.com/watch?v=JToNWIf_6CU&list=PLmWfMqlgSlfaRwn7i4wvh470UugkY3Pzp Seja membro deste canal e ganhe benefícios: https://www.youtube.com/channel/UC-a7PsMPcrfk_oi7JZhJOcg/join Segue a gente nas outras redes tb @podihhcast Tem canal de CORTES! - https://www.youtube.com/channel/UCZc2umMjCiT_zA3pVh-XtCQ LEMOS OS SUPERCHATS DURANTE OS PROGRAMAS AO VIVO! Me ajuda a te ajudar. Faça uma doação e tenha sua pergunta ou comentário lido no ar. Regras SuperChat 10,00 - POR DÓ 20,00 PRA CIMA - LEMOS SUA MENSAGEM 150,00 MERCHAND DA SUA MARCA OU REDE SOCIAL EXCLUSIVO, COM PARTICIPAÇÃO DO CONVIDADO QUE NÃO GANHA NADA COM ISSO! 300,00 - QUER SE EXIBIR -- GARANTA A SUA HQ DO ANJO ASSASSINO: www.dihhlopes.com.br . . . Podihhcast Dihh Lopes Murilo Moraes Luciano Guima

ASSISTA A SÉRIE O PROCESSO: https://www.youtube.com/watch?v=JToNWIf_6CU&list=PLmWfMqlgSlfaRwn7i4wvh470UugkY3Pzp Seja membro deste canal e ganhe benefícios: https://www.youtube.com/channel/UC-a7PsMPcrfk_oi7JZhJOcg/join Segue a gente nas outras redes tb @podihhcast Tem canal de CORTES! - https://www.youtube.com/channel/UCZc2umMjCiT_zA3pVh-XtCQ LEMOS OS SUPERCHATS DURANTE OS PROGRAMAS AO VIVO! Me ajuda a te ajudar. Faça uma doação e tenha sua pergunta ou comentário lido no ar. Regras SuperChat 10,00 - POR DÓ 20,00 PRA CIMA - LEMOS SUA MENSAGEM 150,00 MERCHAND DA SUA MARCA OU REDE SOCIAL EXCLUSIVO, COM PARTICIPAÇÃO DO CONVIDADO QUE NÃO GANHA NADA COM ISSO! 300,00 - QUER SE EXIBIR -- GARANTA A SUA HQ DO ANJO ASSASSINO: www.dihhlopes.com.br . . . Podihhcast Dihh Lopes Murilo Moraes Luciano Guima

No episódio de hoje Olavo e Letícia conversam sobre uma das tradições mais comuns no fim do ano Brasileiro. Você conhece o Amigo Oculto? Se ainda não sabe como funciona, confira esse episódio e se divirta com essa história...Nós somos um podcast brasileiro que produz conteúdos em português especialmente para estrangeiros que estão estudando a língua portuguesa, que gostam do Brasil e também para todos que apreciam reflexões, motivações e buscam sempre aprender algo novo. Dicas de português, diálogos reais, vocabulário e regras de gramática do português. Tudo isso você encontra aqui.Se é o seu caso, convidamos você a acessar nossos links para não perder nenhum episódio e ficar conectado com muitas dicas e informações. Siga nossas redes sociais: Instagram https://bit.ly/32VDWg l e Facebook https://bit.ly/3jVMJ9h . Você pode acessar o nosso podcast também no YouTube https://bit.ly/2NUsuxE e pelas principais plataformas de podcasts --- Spotify: https://spoti.fi/2Qbd85N --- Apple Podcast: https://apple.co/2QcBoVj --- Deezer: https://bit.ly/2YkG9Rh --- Castbox: https://bit.ly/32e9yxn ---Google poscasts: https://bit.ly/3hhMUuDEnvie sua dúvida, crítica ou sugestão de tema para o podcast pelo email: portuguesprafora@gmail.com vai ser um prazer saber o que você quer ouvir ;)E se você quiser praticar conversação comigo, eu ensino português em um site chamado italki (também sou estudante de inglês lá.. Se você ainda não conhece o site, acesse esse link https://bit.ly/2EkJx7A pra você ganhar 10 dólares e agendar suas aulas. Nos vemos em breve… See acast.com/privacy for privacy and opt-out information.

En alguna ocasión cuando se aconseja a alguna persona meditar el Evangelio, siempre hay alguien que dice: –La mala suerte es que te encuentres con la genealogía. Se lo toman como una cosa chistosa. No es posible sacarle partido a la meditación de Abrahán engendró... David engendró... Pues con la ayuda del Espíritu Santo vamos nosotros a intentar sacarle partido.

José Manuel Calderón repasó en 'SER Deportivos' la actualidad de la NBA.

Santa sometió a un ladrón en Argentina

Jesus é o Amigo renovador, o Mestre que transforma. Emmanuel. Vol. 3 da coleção i Evangelho por Emmanuel, comentário a Lucas 2:8-11 intitulado "O anúncio Divino"

Some things, of course, from Josie and the Pussycats have aged poorly. The idea of "record stores" and CDs (that could, in turn sell out like they were PS5s or something) is downright quaint--especially given the format of this show. I'm pretty confident that the cultural moment of Moviefone Guy has well and truly passed, despite the continued use of both movies and phones. Do people still know who Carson Daly is? I confess I never really did. Mostly I know him from that totally jerkin' movie, Josie and the Pussycats.01:39 AYURIS: Watergate (Matthias Cramer, Capstone Games, 2019)Games Played Last Week:04:10 -Sine Tempore (Luca Bernardini & Andrea Colletti, Ludus Magnus Studio, 2018)06:27 -L.A.M.A. Dice (Reiner Knizia, AMIGO, 2021)07:08 -Llamaland (Phil Walker-Harding, Lookout Games, 2021)11:40 -G.I. JOE Deck-Building Game (T.C. Petty III, Renegade Game Studios, 2021)13:59 -Assault on Doomrock: Ultimate Edition (Tom Stasiak, Beautiful Disaster Games, 2022)19:40 -Wingspan (Elizabeth Hargrave, Stonemaier Games, 2019)21:20 -Factory Funner (2nd ed) (Corné van Moorsel, Boardgametables.com, 2021)26:18 -Ethnos (Paolo Mori, CMON, 2017)28:32 -Undaunted: Reinforcements (Trevor Benjamin, David Digby, David Thompson, & Dávid Turczi, Osprey Games, 2021)37:49 -Bitoku (Germán P. Millán, Devir, 2021)40:28 -Gutenberg (Katarzyna Cioch & Wojciech Wiśniewski, Granna, 2021)News (and why it doesn't matter):45:48 Kickstarter moving to blockchain is better for... reasons46:32 Fairy Tale Inn from Remo Conzadori and Paolo Mori47:09 New Patreon-exclusive Discord channel48:00 Asmodee sold to Swedish Embracer group for €2.75 billion 48:26 Asmodee purchased retailer Miniature Market sometime in 202150:08 Topic: Going Off-Script1:11:16 Masterpiece Theatre: Josie and the Pussycats

Homem-Aranha: sem volta para casa, a terceira aventura com Tom Holland no papel do Amigo da Vizinhança, chega aos cinemas apavorando aqueles que não gostam de spoilers! Pois neste aracnídeo podcast Matando Robôs Gigantes, Didi Braguinha, Beto Estrada e Affonso Solano convidam o canadense Thiago Romariz para debater o filme SEM e COM SPOILERS (na metade do podcast começam os spoilers--mas há um aviso, não se preocupe)! Conheça o canal de YT do Romariz! Finalmente! O 3o Espadachim de Carvão está finalmente disponível! A paródia musical deste MRG foi feita pelo Affonso Solano! Envie-nos a sua: matandorobosgigantes@matandorobosgigantes.com Contato comercial: comercial@matandorobosgigantes.com

Sara Escudero reflexiona esta mañana en 'Por fin no es lunes' sobre la evolución del amigo invisible, una tradición cuya esencia, dice, ha ido desvirtuándose y degenerando con el transcurso de los años.

Detalles y enlaces del episodio AQUÍ: https://tinyurl.com/balio-pod1221   Hoy se pasa por el podcast, Miguel Ángel,  también conocido como Amigo inversor en Youtube y en redes sociales. Miguel Ángel se une también a la familia Balio tras la creación del curso sobre Hipotecas, que nos enseñará las claves para optimizar una de las decisiones financieras más importantes de nuestras vidas.   Para participar en la conversación, podéis hacerlo en el foro de Balio o en twitter. Si os parece interesante, sería genial que lo compartierais para ayudarnos a llegar a más gente. Y si tenéis unos segundos, agradeceríamos mucho vuestra valoración en Apple Podcast o un simple

El 23 de julio del 2007 en Santa Catarina Brasil cuyo estado tiene uno de los mayores índices de desarrollo económico en ese pais, además de sus bellas playas bahías y decena de islas, ocurrió un hecho bastante sorprendente y quizás inimaginable para muchos: una disputa por un videojuego...

"Tobacco Road" comes to you live every Wednesday at 7:30 PM CST with Chicagoland's dlonz on Cowboy's Juke Joint Radio www.cowboysjukejoint.com “Take a ride down Tobacco Road for the best in dirty cowpunk, whiskey soaked blues and beyond. Take a ride and keep the music alive!”"dlonz vs Santa Claus poker showdown" episode.01. Santa Sabbath - Nativity in Red and White02. Grit & The Double Knit - The One That Got The One That Got Away03. Duane Mark - One Eyed King - Whiskeydick04. Amigo the Devil - 24K Casket05. Trash Bats - The Redeem'r06. Raygun Cowboys - Moving On07. Cherry Poppin' Daddies - God Is a Spider08. Gamblers Mark - Dirty Needles09. Demented Are Go - Jet Tone Boogie10. Hillbilly Hellcats - Hillbillies On Speed11. The Goddamn Gallows - Face the Day12. System Of A Down - Peephole13. Rodney Rice - Short Walk to Hell14. Tyler Childers - Whitehouse Road15. Ryan Curtis - Rust Belt Broken Heart16. Dusty Rust - Hell on Fire17. Mat D and the Profane Saints- The Ghost of Huddie Ledbetter18. Robert Connely Farr - Gettin' Richer Blues19. Fairtrade Floyd - Cashflow20. Vandoliers - Sinner Like Me21. Rod Gator - Idle Hands22. PJ Harvey - C'mon Billy23. Blacks - Horrorshow24. The Fumes - Who Do You Love25. Honeyspiders - Guillotines26. Hughes Taylor - Wake Me27. Chigger Red - Hangover Hotel28. The Peculiar Pretzelmen - Must Resist Sleep29. Restavrant - Joe D30. TONGUE TIED TWIN - Pump It Up31. Molly Gene One Whoaman Band - Delta Thrash Ways32. A.J. Gaither One Man Band - Ol' Dog33. August Burns Red - Frosty The Snowman

Era el año 1862, cuando se había recrudecido la Guerra Civil en los Estados Unidos de América. Los bandos enemigos se habían retirado a sus respectivos campamentos para pasar la noche. La luna brillaba en todo su esplendor. En el frente se hallaban apostados soldados de ambos bandos, cada cual con la misión de prevenir un ataque sorpresivo del enemigo. En el bando del sur había un soldado llamado Ira Sankey. En un momento de descuido, Sankey surgió de entre las sombras y comenzó a contemplar el majestuoso cielo estrellado. Al verlo, uno de los soldados del bando del norte se deslizó con cautela y preparó su fusil para disparar contra el distraído Sankey. No bien había terminado de afinar la puntería cuando Sankey, que era creyente en Cristo, alzó los ojos al cielo y comenzó a cantar: «Cristo, cual pastor, oh guía nuestros pasos en tu amor; nuestras almas siempre cuida, guárdalas, oh Salvador.» El francotirador se dispuso a apretar el gatillo, pero al escuchar el himno una sensación extraña se apoderó de él. Conocía muy bien esa melodía y esa letra. ¡Era uno de los himnos que le había oído cantar a su mamá! Cuando Sankey llegó a la estrofa del himno que dice: «Tuyos somos, fiel Amigo, sé Tú nuestro Defensor; da al rebaño tuyo abrigo de este mundo pecador», el soldado, conmovido, puso a un lado el arma y escuchó con atención hasta el final. Terminó la guerra, pasaron los años, y el soldado, ya veterano, conservaba el recuerdo de esa noche. Pero no supo nada de Sankey hasta que en la Nochebuena del año 1875, mientras viajaba por el río Delaware en un barco de vapor, escuchó una vez más las notas de aquella memorable melodía. ¡Cuál no sería su sorpresa al saber que quien la cantaba era el mismo a quien se la había oído cantar durante la guerra! Un grupo de personas había reconocido a Sankey como el cantautor que dirigía los himnos en las campañas del renombrado evangelista Dwight Moody, y le había pedido que cantara una de sus propias composiciones; pero él les había dicho que esa noche prefería cantar el viejo himno: «Cristo, cual pastor». Tan pronto como Sankey terminó de cantar, el veterano, que no había asistido a ninguna de las reuniones de Moody, se acercó a Sankey, se presentó y le contó cómo hacía trece años que ese himno le había salvado la vida. Sankey no salía de su asombro al ver cómo Dios, tal como decía el himno, había guiado los pasos de los dos de tal manera que se encontraran por segunda vez. Así que aprovechó la ocasión para contarle a aquel hombre acerca de Jesucristo, el motivo de su himno, y tuvo la alegría de ver cómo su antiguo enemigo se convertía no sólo en amigo suyo sino en amigo de Dios al entregarle su vida a Cristo aquella misma noche. Carlos ReyUn Mensaje a la Concienciawww.conciencia.net

TEMA EN RUTA: Tuvo un hijo con su mejor amigo..

TodoPorLaRadio con Toni Martínez, Especialistas Secundarios, Marta Estévez, Pilar de Francisco y Juanma López Iturriaga

TodoPorLaRadio con Toni Martínez, Especialistas Secundarios, Marta Estévez, Pilar de Francisco y Juanma López Iturriaga

PROGRAMA GERANDO VENCEDORES RÁDIO 93 FM RJ EDIÇÃO: 14 DEZ 21 TEMA: QUANTO VALE UM AMIGO ?

Tema: ¿Cuanto debemos saber de un amigo? #enRuta

The hosts are, briefly, back in the same room again, and this has had the unfortunate effect of bringing out the very worst in Mark. Don't worry, he doesn't spend ten minutes complaining about the implied political claims of kids' shows, but his mind naturally went to the gutter of abominable puns. You have been warned.Games Played Last Week:01:16 -On Mars (Vital Lacerda, Eagle-Gryphon Games, 2020)04:24 -Pulsar 2849 (Vladimír Suchý, CGE, 2017)06:37 -Hibachi (Marco Teubner, Grail Games, 2021)09:41 -The Siege of Runedar (Reiner Knizia, Ludonova, 2021)16:51 -Isle of Skye: Druids (Andreas Pelikan & ALexnader Pfister, Lookout Games, 2018) 21:08 -L.A.M.A. Dice (Reiner Knizia, AMIGO, 2021)25:15 -The Dragon Prince: Battlecharged (Johnny O'Neal, Britherwise Games, 2021) 27:09 -Brian Boru: High King of Ireland (Peer Sylvester, Osprey Games, 2021)33:37 -7 Wonders: Architects (Antoine Bauza, Repos Production, 2021)37:21 -For Science! (R. Eric Reuss, Grey Fox Games, 2021)News (and why it doesn't matter):45:44 Werewolves of Miller's Hollow (i.e., Werewolf/Mafia) licensed for a movie 47:12 Kickstarter moving to blockchain for... reasons50:41 Feature Game: Cryo (Tom Jolly & Luke Laurie, Z-Man Games, 2021)

Autoamigo celebrando su 5to aniversario. 787-331-0483

Each episode of Reorg's biweekly EMEA Core Credit podcast series features a deep dive on issues and companies in the distressed and high-yield space. This week, we take a look at new restructuring proposals from German gaming group Lowen Play and U.K. consumer lender Amigo. If you are not a Reorg subscriber, request access here: go.reorg-research.com/Podcast-Trial.

A vida não é tão difícil assim. Você que é fraco. No momento que você se responsabilizar pela sua vida e pelos seus resultados, tudo muda. Amigo, amiga.... pare de colocar as responsabilidades dos seus fracassos nas pessoas, nas circunstâncias e nos acontecimentos da vida.

Amigo, estás 'constitucionado'.

Ley-Anne is a Death Doula with over 13 years experience as a Registered Craniosacral Therapist and Reflexologist with the Natural Health Practitioners of Canada Association, is a certified AFLCA Group Leader and graduated from Lakeland College with an Animal Health Technology Diploma. She has also completed multiple animal assisted therapy courses including the Upledger Institute's BADA (BioAquatics – Advanced Craniosacral Therapy and Dolphin Exploration), bringing interspecies craniosacral therapy sessions to her family's homestead. Ley-Anne and Amigo, the dog, were a certified pet therapy team until his passing this past April. In 2018 she received the Emerging Storyteller Scholarship from Storytelling Alberta. Ley-Anne is a Victim Services Advocate and Hospice Volunteer.

Join the chismosas as they recap some of the most wholesome hometowns they've seen! Alma expresses her newly (& deeply) established love for Brandon, Melanie explains why Rodney's departure brought tears to her eyes,  and both chismosas debate what Michelle's possible top two might be next week. As always please leave us a five-star rating or comment wherever you listen to your podcasts! Stay Chismosas!

Hola bienvenidos a la segunda temporada del podcast La Condición Canina, soy Jacqueline Piñol y en cada capítulo les traigo conversaciones con personas dedicadas a salvar a nuestros compañeros caninos. Gracias por tu síntonia a este capitulo en Español. Es el primero que tengo el placer de hacer en Español y no sera el ultimo. Mi invitada en este capitulo es Mia Navedo-Williams quien representa a la organización Best Friends Animal Society que en Español traduce a: Asociacion de animales - Mejores Amigos. Escucha como ésta organización está logrando que más animales sean salvados y protegidos todos los días y en todo el País. Para conectarte con nosotros o con Best Friends En Español sigue estas redes sociales: The Canine Condition: www.thecaninecondition.com Instagram: https://www.instagram.com/thecaninecondition/ Best Friends: www.accion2025.org www.bestfriends.org/es Instagram: https://www.instagram.com/bestfriends_enespanol/ Facebook: https://www.facebook.com/bestfriendsanimalsocietyenespanol The Canine Condition Podcast Writer & Host: Jacqueline Piñol Sound Editor & Engineer: Joe Crow - The Audio Pro Producers: Jacqueline Piñol and Jonny Blu Music: Jonny Blu

Junto con el entorno, los compañeros y conocidos, son los mayores influyentes de un hombre.

So you're telling me, if I just set some goal above my current performance—maybe even really high above my current performance—I'll just suddenly improve? And if I pair my goal with feedback, I'll perform even better? There's got to be more to it than just that. Oh, listen to this podcast about goal setting research and learn all you need to know? Ok, that'll be my first goal. This episode is available for 1.0 LEARNING CEU. Articles discussed this episode: Amigo, S., Smith, A., & Ludwig, T. (2008). Using task clarification, goal setting, and feedback to decrease table busing times in a franchise pizza restaurant. Journal of Organizational Behavior Management, 28, 176-187. doi: 10.1080/01608060802251106 Loewy, S. & Bailey, J. (2007). The effects of graphic feedback, goal setting, and manager praise on customer service behaviors. Journal of Organizational Behavior Management, 27, 15-26. doi: 10.1300/J075v27n03_02 Gil, P.J. & Carter, S.L. (2016). Graphic feedback, performance feedback, and goal setting increased staff compliance with a data collection task at a large residential facility. Journal of Organizational Behavior Management, 36, 56-70. doi: 10.1080/01608061.2016.1152207 Fellner, D.J. & Sulzer-Azaroff, B. (1984). A behavioral analysis of goal setting. Journal of Organizational Behavior Management, 6, 33-51. doi: 10.1300/J075v06n01_03 Roose, K.M. & Williams, W.L. (2018). An evaluation of the effects of very difficult goals. Journal of Organizational Behavior Management, 38, 18-48. doi: 10.1080/01608061.2017.1325820 If you're interested in ordering CEs for listening to this episode, click here to go to the store page. You'll need to enter your name, BCBA #, and the two episode secret code words to complete the purchase. Email us at abainsidetrack@gmail.com for further assistance.

Todos queremos un amigo como Mario V.I. - El Cuido Podcast En este episodio hablamos de varios casos que hay en la corte actualmente, también hablamos de algunas películas que tiene que ver y de como todos necesitamos un amigo como Mario VI

REDES CHENTE: Instagram: http://instagram.com/chenteydrach Facebook: http://facebook.com/chenteydrachoficial Snapchat: https://www.snapchat.com/add/chenteyd... Twitter: http://twitter.com/chenteydrach iTunes Podcast: https://itunes.apple.com/us/podcast/m...