Podcasts about circumstances

Circumstances cause the train to arrive in Colorado late in the evening. Be sure to get caught up with our archives via all the major podcast apps, YouTube, and our website!Find us on Apple Podcasts, Google Podcast, Spotify, Pandora, iHeart Radio, Amazon Podcasts, Audible, and more! Leave that 5 star rating and review! Don't forget to subscribe to our YouTube channel at Roll The Hard 20! And check out our Patreon!Find us on Apple Podcasts!https://podcasts.apple.com/us/podcast/roll-the-hard-20-podcast/id1408365472Check us out on YouTube!https://youtu.be/a1VN2K8q81QListen to our latest episode from the website!https://www.rollthehard20podcast.com/podcast-episode/2023/11/26/delta-green-lot-27-ep-6Google Podcasts:https://podcasts.google.com/feed/aHR0cHM6Ly93d3cucm9sbHRoZWhhcmQyMHBvZGNhc3QuY29tL3BvZGNhc3QtZXBpc29kZT9mb3JtYXQ9cnNzSpotify:https://open.spotify.com/show/1kJ6KnJsQFsN4z86N6UjZo?si=6s15B9YuQPGksRzwZyVKLAPandorahttps://pandora.app.link/WOmEP5Rf1CbiHeart Radio:https://www.iheart.com/podcast/256-roll-the-hard-20-podcast-31128285/Amazon Podcasts:https://www.amazon.com/ROLL-THE-HARD-20-PODCAST/dp/B08K585JWV/ref=sr_1_1?dchild=1&keywords=Roll+the+hard+20+podcast&qid=1618152633&s=audible&sr=1-1We're on Audible! https://www.audible.com/pd?asin=B08K55QSGF&source_code=ASSORAP0511160006&share_location=podcast_show_detailSubscribe to our YouTube channel at:https://www.youtube.com/channel/UCOo3xgvuyt8p_u6HqysDATw/featured?view_as=subscriberJust one more venue we can be found!https://www.delta-green.com/topics/debriefing/Want to be a Hard Slinger and get cool swag? Join us on our Patreon page!https://www.patreon.com/rollthehard20podcastContact your Trusted D.M. Brian! Visit the website at:https://www.rollthehard20podcast.com/Email us at:rollthehard20podcast@gmail.comWant to represent the podcast? Check out our awesome shirts!https://www.amazon.com/ROLL-THE-HARD-20-PODCAST/dp/B07HMMRMMN?keywords=roll+the+hard+20+podcast&qid=1537974976&sr=8-1-fkmrnull&ref=mp_s_a_1_fkmrnull_1Follow our social media footprints at:https://m.facebook.com/groups/202767550592121https://instagram.com/rollthehard20?igshid=gjlo7p4lay72https://twitter.com/rollthehard20?s=11

Ever been at the mercy of someone showing you an unsolicited video? Or maybe you've been on a plane and witnessed someone taking  their shoes AND

Today's guest is Spencer Hilligoss.   Spencer Hilligoss is a passive investor who deployed 7-figures of his own capital into passive investments in the past 6 years. In 2019, Spencer retired from a 13-year tech career to fully focus on Madison Investing, his passive investing club.   Show summary: In this podcast episode, Spencer shares his personal journey from working in technology companies to retiring in 2019 to focus on his passive investing club. He emphasizes the need for clarity and vigilance in investing, advising investors to thoroughly vet teams and operators before investing. Spencer also provides advice on how to communicate with and motivate investors during challenging times, using two investor profiles as examples.   -------------------------------------------------------------- Intro (00:00:00) Spencer's background and retirement (00:01:26) Clarity and vigilance in passive investing (00:04:25) Twists and Turns in Investing Journey (00:14:05) Positioning for the Next 12 to 24 Months (00:16:10) Investing at the Wrong Time (00:19:19) Motivating Investors to Invest (00:20:06) Understanding Investor's Circumstances (00:20:41) Educating Towards Future State (00:21:16) -------------------------------------------------------------- Connect with Spencer:  Linkedin: https://www.linkedin.com/in/shilligoss/   Web: www.madisoninvesting.com   Connect with Sam: I love helping others place money outside of traditional investments that both diversify a strategy and provide solid predictable returns.     Facebook: https://www.facebook.com/HowtoscaleCRE/ LinkedIn: https://www.linkedin.com/in/samwilsonhowtoscalecre/ Email me → sam@brickeninvestmentgroup.com   SUBSCRIBE and LEAVE A RATING. Listen to How To Scale Commercial Real Estate Investing with Sam Wilson Apple Podcasts: https://podcasts.apple.com/us/podcast/how-to-scale-commercial-real-estate/id1539979234 Spotify: https://open.spotify.com/show/4m0NWYzSvznEIjRBFtCgEL?si=e10d8e039b99475f -------------------------------------------------------------- Want to read the full show notes of the episode? Check it out below: Spencer Hilligoss (00:00:00) - The goal setting process, like if there were to be. What is the most active part of being a passive investor? Because there are active parts. Right? And this is the misnomer. I think it is sitting down and just gut checking with the financials. What is your true north? Or I'll take out the platitude like what is your financial target you're aiming for? Just like if you're inside of a business, if you're going to use to work in the corporate world, anyone who's in a W2 world, if you manage a profit and loss, if you manage a financial plan, you got to go and sit there and say, hey, last year we thought the target like a win would be that dollar amount. Well, this year is looking a little different. So let's revise like what are where is our bearing here.   Sam Wilson (00:00:44) - Welcome to the how to scale commercial real estate show. Whether you are an active or passive investor. We'll teach you how to scale your real estate investing business into something big.   Sam Wilson (00:00:58) - Spencer. Helios is a passive investor who has deployed seven figures of his own capital into passive investments in the past six years. In 2019, he retired from a 13 year tech career to fully focus on Madison investing his passive investing club. If you don't know, Spencer also came back on the show. Gosh, what was that? Spencer episode 274 I think. So sometime early 2021. We've done about 600 episodes since the last time you were on the show, so it's a pleasure to have you back on the show today.   Spencer Hilligoss (00:01:26) - Yeah. Wow, that's a fast two years. Sam. Thank you for having me back on. Absolutely.   Sam Wilson (00:01:32) - The pleasure's mine, and it is a fast two years. Spencer, before we get into the heart of the show, though, there are three questions I ask every guest who comes on the show. You have answered these previously, but we're going to have you answer them again in 90s or less. Can you tell me where did you start? Where are you now and how did you get there?   Spencer Hilligoss (00:01:48) - Oh yeah man, there's still fun questions.   Spencer Hilligoss (00:01:50) - Now I'm probably going to get a different lens on it though, as always, as life evolves. So where I am now actually, let's go back. I started growing up as a punk rock and metal kid playing in bands. My dad was a real estate broker for 30 years. I was working for him as a kid, which is why I ran screaming into technology companies. I live in Silicon Valley in the Bay area, California. I have, you know, grown up for 13 years professionally building and leading large operations and sales groups for fintech companies, financial tech companies. As you mentioned, Sam, I retired in 2019, five months before Covid, and that was not part of the plan, but I would say grateful now more than ever to be leading Madison Investing, which is our passive investing club, as you mentioned up front, where we help other folks walk the same path that we have. You know, I know that right before we hit record, I was sharing a quick story about highlight of the year so far.   Spencer Hilligoss (00:02:45) - We just got back from spending six weeks in Portugal as a whole family, that type of thing, that type of lifestyle decoupling from a geography, taking our kids who are six and nine and Jennifer and I are both living and working abroad with that flexibility. That's what's enabled by passive investing done right. And of course, it's not always like turnkey. Across the the journey. There's a lot of twists and turns. You got to pull out your figurative machete and hack through the the forest, as it were, and find clarity along the way. But hopefully I didn't exceed my 90s on that one.   Sam Wilson (00:03:17) - No, I think shoot, if you weren't, if you were, if you were over 90s, it was worth listening to. So I appreciate you giving us that. That recap yet again and again. If you didn't hear Spencer's first show, go back and check that one out, because I know we're going to cover some very different things. Maybe then what we covered there on that show. You know, I think one of the things and I'm not going to hopefully offend you here by saying this, but I feel like everyone has these grandiose ideas of what passive investing is.   Sam Wilson (00:03:44) - So they're like, oh, man, you know, we're going to be a passive investor and we're going to just cash checks all day long, and it's going to be amazing. But I think the experience is wildly different. I certainly know it has been for me, as I look at all the different passive investments I have, I go, okay, you know, there's some there doing well, some that are doing but not doing well, and then there's some that are performing very poorly. And I look at that and I go, gosh, that's that's it's kind of painful in some respects to look across all of them go, not everything's doing great. What would you say a current investors outlook and kind of mood should be about passive investing right now, because it doesn't always necessarily translate into six weeks in Portugal.   Spencer Hilligoss (00:04:25) - Oh my gosh, what a killer question to open with and for people listening. Sam didn't prep me for that question ahead of time. That's just a hell of a good question. Clarity and vigilance.   Spencer Hilligoss (00:04:36) - You know, I think clarity, first and foremost, it comes down to goals. And everyone out there hopefully is starting from that point. As a quick refresher, Sam, clarity to me means sitting down 2016. I'm working full time, deep into my career and climbing that ladder, making great W-2 income. Jennifer Morimoto, who is my my spouse, my wife, and my co-founder and, you know, co-pilot in life, you know, mother of our kids across the board. We work together in life and work. And we sat down and took a whole weekend to literally sit down and say while working full time, both of us in separate careers, what is the dollar amount per month that we could that we need to hit? Full passive. To cover our needs. And that was a scary exercise, man. That was a scary exercise. And it's something that I think I don't go into lightly, because that weekend had tears that we can had reconciliation and had laughter, and we had to get a sitter to get the kids out of the house just to do it right.   Spencer Hilligoss (00:05:37) - But that's where it started. We set that goal with a 15 year time horizon to remove all excuses. And so by clarity, what I mean is it sounds so clean and simple to say, I'm going to hit 8000 bucks in passive income, which I believe at that time was our monthly income, passive income target. And, you know, I'll qualify it by saying everyone has different expectations in life. Like, we don't want to we don't I don't need a jet. I'm a pretty simple dude. Like I got some guitars. I like plucking a guitar, but I don't need a boat and no judgments on those who want more. But that was our goal back then, and we hit that goal in the last about year and a half, two years ago, we hit that goal in full passive. And we're we're so proud of hitting that. That was hard. But we said 15 years on, the original goal came back shortly after that exercise in 2016 and said, well, that's just too long.   Spencer Hilligoss (00:06:29) - You know, you and I were chatting about our kids right before we hit record today, Sam. And I'll say that like, we wanted to catch some of the magic years, as it were, spending time with our boys while they were still pretty young, and being able to have that type of lifestyle where we could spend more time. And that is what got that clarity for me. So thanks for listening to that context. I just think it's so key for people to sit there instead of saying, man, look at that great looking Facebook paid ad that presents this two x equity multiple, right on a killer looking deal, a beautiful marketing deck. And you're like, that's my ticket to financial freedom. Be like, slow down, get clear. Get clear on why you're looking at this thing. And then don't worry about asset class yet. Come back to it later. Those are the lessons I wish I could impart on myself earlier on. One other thing I'll say is like 2023 for sure has presented some challenges, right? And you hit it earlier.   Spencer Hilligoss (00:07:19) - I'd say that things like understanding the basics of what is the purpose of this one investment, what's the goal for the money? Is it a growth play? If a person is working, like talk to one of our investors in our club who's actively investing with us, has for years, and he says, well, in 5 to 7 years I want to get X dollar amount. By fully passive, you know, 5 or 7 years out. And that's a very thoughtful, responsible goal for that investor. That's a cash flow investor who is making killer W-2 income at a day job, doesn't need it now, wants to have it later so they can still potentially afford to go and invest for growth. They don't need the cash flow now, but if that same investor puts a bunch of money, puts 100 K into a deal, and they have a pot distribution right now. And they're going to get great growth on the back end of that thing. But they don't have a distribution coming in now for a monthly income.   Spencer Hilligoss (00:08:13) - That's a mismatch. So I'll take a pause there. But just wanted to kind of cover at least the vigilance on the clarity.   Sam Wilson (00:08:18) - No I think that's great. I think that's really, really great. You touched on the term goal for the money, which I think is is a it's a powerful. It's a powerful idea because even though we have financial planners and we have people that lay out again all the, hey, you know, this is what you're going to have if you invest. And of course, we've all been through that drill with with our stockbrokers and everybody else where they show, you know, projected where it's going and what it's going to do. I think a lot of times we missed that same exercise. At least I have personally in my own and passive investments around the country in commercial real estate because it's like, oh, that's cool. Like you said, that's a cool deal, I like that. Why not? Let's throw 50 grand or 100 grand at it and see where it goes.   Sam Wilson (00:08:59) - Like, this is going to be fun. But then you look at it and you're like, wait, did that actually line up with what I wanted to do in 5 or 7 years? Because that requires discipline and time. It requires those weekends that you're talking about going, okay, you know, getting a spreadsheet of everything, or maybe it's even more complex than that. But if everything where it's going, what you're expected, payouts are getting them. I mean, that's hard work. I've got a sheet like that. It's hard work. Comparing zero eight. We got a distribution this month. Did it line up with what was pro forma? Which of these are doing what they say they're going to do. And that's that's just it becomes its own kind of animal that. I don't know. Speak to us on that front if you can.   Spencer Hilligoss (00:09:37) - Oh, man, I love this topic. I would say you're nailing it. And by the way, I'm so guilty of the same thing. You know, you see a great looking deal.   Spencer Hilligoss (00:09:45) - Or maybe you just love the team, like, like, oh, I love that operator. They have such a tight operation. Their reporting is killer. Their financial reporting is transparent. They have experience. They've got repeatable process. They've got the exits, full cycle deals, all the works. Right. And I'm like, oh cool, let's drop money. And then I'm like, well, that wasn't so much of a cash flow play. I mean, it reminds me of the very first property we bought is a duplex sitting in 45 minutes from our house, where I'm sitting right now in Vallejo, California, and that thing costs 430 grand. And that's a California property for you. We bought it years ago, cost us six figures. It's down payment and a cash flow is $200 a month. That is not a cash flow win by any measure. That's a quick way to use the player capital, right? But I bring that up as one example of like where we started to where we are now.   Spencer Hilligoss (00:10:35) - And I would say now actually we're going through a refresh of this very exercise. And it's related, I think, to what you brought up a moment ago, Sam, you know, the goal setting process, like if there were to be what is the most active part of being a passive investor? Because there are active parts, right? And this is the misnomer. I think it is sitting down and just gut checking with the financials. What is your true north? Or I'll take out the platitude like what is your financial target you're aiming for? Just like if you're inside of a business, if you're what I used to work in the corporate world, anyone who's in a W2 world, if you manage a profit and loss, if you manage a financial plan, you got to go and sit there and say, hey, last year we thought the target like a win would be that dollar amount. Well, this year is looking a little different. So let's revise like what are where is our bearing here.   Spencer Hilligoss (00:11:28) - And so we're going through that now to say well you got to track it in a spreadsheet. You've got to sit down and say what's the monthly income expected from this. Are we up? Are we down. How much do we need? Are we off track? Do we need to reserve some capital because our family is going to face some some headwinds or maybe tailwinds. Maybe there's good news coming in. You know, just got some unexpected great news on, like, an exit from a deal that is like a mobile home park refinance that's coming in. And I was like, wow, that's the first, I think, capital event that's occurred in 2023 personally. So like that was that was quite unexpected, you know. So I'm like, woo, that's great to see. And we'll see a lot more of that hopefully between 20 and 24 but most likely 2025. So it's tracking and knowing where you're at on that figurative map and sitting down and saying, let's put some financial assumptions behind it, like, what are we going to get out of this deal? Exits, cash flow.   Spencer Hilligoss (00:12:18) - What does take work? It takes some work, you know.   Sam Wilson (00:12:22) - It does take work. And I think it takes work. And it also, like you said, figuring out, you know, what your true north is in this and then and then picking the right opportunities that kind of make up that matrix of deals that you should or should not be investing in. So I think that's just knowing just knowing what it is you're looking for. And again, not being guilty of following my footsteps and just going, oh that's cool. Like I love the sponsor. I love the deal. I mean, why shouldn't we do it? Like, because maybe it doesn't fit the plan. I was having a call with a with a. Friend slash business guy here in Memphis yesterday. And he goes, he goes, Sam. He goes. My answer should be to, you know, he goes, it's no. Because for these two reasons he goes, but yet I just can't help but talk to you about it because this is really fascinating.   Sam Wilson (00:13:11) - So let's keep going. And I'm like, Bill, you know exactly what your answer should be. And I appreciated that. It was it was just a funny response. He's like, my answer should be no because I don't know anything about it and it doesn't fit my box, but I want to hear more like so anyway, we all.   Spencer Hilligoss (00:13:27) - Do it.   Sam Wilson (00:13:27) - We all do it, but we all do it. Yeah, we all do it. Not falling into that trap. So that's really cool. We've talked a little bit about defining temperament in our in our investments, being a tempered investor if you will, finding out goals for the money currently. Tell me tell me a little bit about this. Like what you said that there's two things. One, you said you've experienced some twists and turns in your investing journey. I think you said since 2019. So maybe if you can give us a couple examples of what those twists and turns are, and then tell us how you guys are positioning yourselves to really take advantage of the next 12 to 24 months.   Spencer Hilligoss (00:14:05) - Yeah. Happy to. So. Twists and turns first. Abbreviated version. I can define this in three quick phases. This is not how it felt. Real time. Of course. Life has crazy chapters. You don't know where you're at on the map sometimes until you come out the other side of it, right? So phase one still working full time. This is back in about 2016. We bought that rental that pricey for 30 K rental. I just told you about California and we're like, wow, we're going to run out of money real quick this way. Not in line with our cash flow goals. We then got more comfortable to really took our time and looked at more rentals. Still didn't hadn't quite moved on beyond that rental phase. And rentals are fine. They're a great wealth builder, but. They are semi passive at best. Right and I will happy to debate anyone on that topic. Anyone who's owned rentals can attest to that, property manager or not. They're semi passive. So we got up to five long distance rentals and they were out in Kansas City, Kansas City, Missouri and 60 K average purchase price 250 bucks a month.   Spencer Hilligoss (00:15:08) - Average cash flow. That's a heck of a lot better economics than the first one. Those were maybe, at best, C-minus neighborhood. Um, you don't really learn what that means till you do it.   Sam Wilson (00:15:21) - Right?   Spencer Hilligoss (00:15:22) - And, you know, you get you get it. So we learned that way in terms of overhead, you know. That was more work than we expected it to be. Even with property managers, the economics got a little bit kicked every year because the tenants would beat up the place a little bit, and then we had turnover costs, etcetera. So we sold those properties, and then eventually we started investing as passive investors purely as LPs and some multifamily deals. And we're talking in Alabama and in Texas and a few other great markets, eventually multifamily self-storage. And those twists and turns initially, I would say were super important. You know, like a little expensive. You pay tuition with experience and scars. You also pay it with physical capital. And I would just say that those those were not, in hindsight, ideal if you're trying to maximize return, but they were necessary for us to get to where we are now.   Spencer Hilligoss (00:16:10) - And so I look at those also, once we started investing as LPs, got some killer exits from those. This is around the 2018, 20, 2019. And then we're like, well. There's so many colleagues and so many folks in my network that were saying, Spencer, like, we don't want to fly out to these properties like, you're, you know, this stuff. They're saying this to me like, you know, this stuff, you're flying out of these assets, you're walking them. You want you know, how to underwrite them. All this stuff. And I'd work so hard to get there to do that. Why don't you? What? You help us, you know? And so then we started medicine investing around that time. And it's just the club dynamic of being an educator and a resource for folks to see who who are these teams we invest in. But that doesn't necessarily mean it's always clear. It doesn't mean it's always easy. You know, like like taking the time to get to know partners and operators is it is art and science.   Spencer Hilligoss (00:17:05) - You know, it's, you know, vetting teams and humans is always going to be that way. And so I would say those were some of the whiz bang version of like the twists and turns along the way that brought us to where we are now. Um, I'd say that looking forward to your second question, though, right now is a unique time. You know, I think before this journey over the past seven years, you know, coming out of a tech career, Sam, like, I wouldn't have known how to take in the feedback and the mentorship that we hear, the wisdom that we hear when it comes to when's a great time to invest? Like when do the wealthy people, the wealthiest of the wealthy, the Warren Buffett's like, when do they make the biggest returns? When do they maximize their wealth building? And I wouldn't have understood. Like, you got to go out there and take informed risks during challenging volatility times, during economic headwind times. And that is why right now we're walking into a killer buying opportunity.   Spencer Hilligoss (00:18:02) - We're walking into a killer investing landscape. And it's it's the tough part for every investor is to look through the noise. There's a ton of very real noise occurring right now in the headlines, of course, globally and nationally. But I would say take what you need from the news, but then look past. It has best you can, you know. And so we see opportunities to buy and invest at the asset classes that we love. Multifamily large apartment communities largely in the Sunbelt. With some of the Rockies still love self-storage. We've been focusing on self-storage now since 2019 as a sister asset class, along with multifamily and a couple of other niche non-real estate asset classes. But I would say that that's really what it's about is just being vigilant about not pouncing on a deal is because it looks like it's great from a team that we know you got to go do it deeper. And clearly I have to say this as well. One last thing is just like the interest rate has to be the debt, the loan, the loan structure has to make sense in the current climate.   Spencer Hilligoss (00:19:04) - It has to be either in a suitable loan. You know, there's a lot of that going on on the few deals there are, or it has to be some kind of unique situation where the seller is distressed and you're getting a very significant discount, but tough to find those.   Sam Wilson (00:19:19) - It really is. But those are those are things. And I like your, your you seem to be a more patient investor maybe than what some of the, some of the, you know, fury that's been out there in the last couple of years, you seem to take more time in what it is that you're investing in. And I think you're right here in the next couple of years, we're going to see we're going to see some great opportunities come down the pipe. But I guess here's a question for you. Most investors, the book, Howard Marks wrote the book, Mastering the Market Cycle. And in that he basically says that historically, investors invest at the completely wrong time. Like if you just take the data and you overlay it with the economic profile, he goes, they're always investing at the top and selling at the bottom.   Sam Wilson (00:20:06) - He goes just right the way they do it. So how do you in the times of how do you I mean, I'll get to my question, but how do you communicate to your investors and then motivate them to invest at the times when it's like when everybody else is out yelling, run! You know, there's blood on the street, everybody's going to die and you're going to go, hey, man, you know, actually, right now is the perfect time to buy this distressed asset. You communicate that in such a way that it then compels your investors to invest.   Spencer Hilligoss (00:20:41) - Yeah. Gosh, that's a fun topic, man. I love the reference for the Marx book. I think understanding the posture as like as a passive investor myself, you know, as a passive investor yourself as well, it comes down to understanding fundamentally that like motivation to invest in motivation to act is is probably the incorrect way to look at it. It's really like, does a person understand squarely where they are? If you're trying to educate like they understand, this is probably going to lead back to a goals comment.   Spencer Hilligoss (00:21:16) - But I would say that it starts with just holding up the figurative mirror and saying, here's where I'm at. You know, here's an investor's circumstances. And if they are comfortable where they are, you're really not going be able to prompt action and you don't want to. I'm not interested in trying to compel someone to go and invest in something that is not fit for their portfolio or fit for their their goals. I think really what it comes down to is helping them understand the future state, understanding the future state. What I mean by that is where is the life they want to be, right? Like in three years, five years, seven years, whatever that time horizon could be. And if that means, you know, let's take two profiles. I'll just keep them anonymous and kind of abstracted here. But like profile one most common one, I would say a fellow investors that we work and invest alongside with W-2 employees, at least one significant W-2 income coming into the household likely to if they're in California.   Spencer Hilligoss (00:22:10) - Absolutely to because it's just too expensive here to have one usually. So they're sitting there going, I don't necessarily need to quit my job right now. That profile of dual income with kids, California or West Coast pricing market, they're thinking in maybe five, seven, maybe ten years. Then we want to have some optionality, because perhaps they're aging out of the tech career because ageism is a thing, and eventually they want to have some kind of safety net. So they have to think about these goals. And so educating toward that future state absolutely is the most important thing. And then connecting the dots backwards from that, like reverse engineering where do they want to be. Similarly, it's going to sound familiar, probably to where Jennifer and I were at, you know, years ago. It's like where we where were we when we started holding up that figurative mirror? Looking across, auditing our income sources, auditing our wealth, picture all that stuff, and then setting a real clear, crystal clear vision of like, well, where do we want to be? You know, what kind of lifestyle do we want to have? What kind of options do we want to have? That all applies for people who are working, and they have to work currently for their income profile.   Spencer Hilligoss (00:23:17) - Two high net worth folks, folks who, you know, maybe they exited a business that they built. Maybe they own a company actively, but they're taking more of a backseat while the next generation takes it over. You know, all that profile of so many different high net worth folks out there. But I would say that is more of a discussion of hedging downside risk in a discussion of capital preservation and understanding, like, yeah, I absolutely agree. It's a unique time when you're looking over there at the treasuries and you're saying, wow, that looks like a super safe 5%. Well, what percentage of their portfolio are they trying to allocate toward that? And also, is it really 5% that they want or are they looking at that 5% a little bit too myopically. Are they are they overanalyzing and just using that as their, their, their Uber excuse for analysis paralysis because they just don't want to go and do the mental work across the market right now to think, oh, there are excellent deals that can produce double, triple plus whatever you're getting on a treasury, you know.   Spencer Hilligoss (00:24:17) - So not getting probably getting a little too nerdy here probably for that one Sam. But that's a fun question.   Sam Wilson (00:24:22) - That's awesome Spencer, thank you for taking the time to break. Break that down. And a like I like the the the the phrase you said educating to that future state. And again I probably misused the words not motivate or compel. But it's one of those things. How do you get people off the fence. Yeah.   Sam Wilson (00:24:37) - Yeah yeah.   Sam Wilson (00:24:38) - And it's and it's and that's because again, we don't want people investing. And I've told people that I've told people before I said, no, this just isn't for you like this. This deal is not for you. So please don't invest. Yeah. You can just sense it. But, you know, I do think it is important, though, to see people when they're stuck in that analysis paralysis going, oh my gosh. Like I'm just going to sit here because everything looks so scary. And I think you've you've made some really valid points there on that that I won't rehash and kill it because you did.   Sam Wilson (00:25:04) - You did a great job really explaining that. So thank you again for taking the time here to come back on the show today. It's been an absolute pleasure to have you back on. If our listeners want to get in touch with you and learn more about you, what is the best way to do that?   Spencer Hilligoss (00:25:17) - Yeah. No thank you, Sam, this has been awesome to reconnect. So Madison Investing.com, that's our website and folks can find some educational content there. We put up there monthly. They can also set up time to chat with me. Happy to be a sounding board on their passive investing strategy.   Sam Wilson (00:25:31) - Fantastic. Madison Investing.com. We'll put that there in the show, notes. Spencer. Thank you again for taking the time to come on the show today.   Sam Wilson (00:25:38) - I do appreciate it.   Spencer Hilligoss (00:25:39) - Yeah. Thank you Sam, really great to see you.   Sam Wilson (00:25:41) - Hey, thanks for listening to the How to Scale Commercial Real Estate podcast. If you can do me a.   Sam Wilson (00:25:46) - Favor.   Sam Wilson (00:25:46) - And subscribe and leave us a review on Apple Podcasts, Spotify, Google Podcasts, whatever platform it is you use to listen.   Sam Wilson (00:25:54) - If you can do that for us, that would be a fantastic help to the show. It helps us both attract new listeners as well as rank higher on those directories. So appreciate you listening. Thanks so much and hope to catch you on the next episode.

In this episode, Sujani sits down with McKenzie Schrank to discuss how her experience with leishmaniasis influenced her path, incorporating personal interests into public health and vice versa, and using every little experience to shape your journey. You'll LearnHow McKenzie first discovered the field of public healthMcKenzie's experience contracting leishmaniasis on a study abroad trip and how this experience shaped her education and career pathHealth communication is the cornerstone of public healthHow snowboarding has made McKenzie a better public health professional Integrating your passions with public health and how McKenzie is incorporating public health into snowboarding and vice versaMaking your own space in public healthToday's GuestI earned my Master of Public Health at the Colorado School of Public Health in community and behavioral health and global health. I believe in strengthening communities by engaging community members with clear communication and connection and I hope to continue to foster positive change in health communication. I have previously worked with the Peruvian population during a study abroad to the Madre de Dios region in 2017. From this experience I found a passion for working with and providing information to under resourced communities after contracting leishmaniasis during this trip. I took the experience of being infected as an opportunity to share my experience and educate future travelers about the difficulty of treating a neglected tropical disease and the risk of infection. Additionally, I used this opportunity to highlight inequalities in the healthcare system in regard to cost and access. My published manuscript entitled "Leishmaniasis Through the Lens of the Host" won a King Award of Academic Excellence for its innovative and creative additions to the existing body of knowledge on leishmaniasis. The insight I gained from these experiences prepared me with compassion and enthusiasm for the communications work I am currently doing.ResourcesConnect with McKenzie on LinkedIn Buy the book "The Story of the Human Body" Learn more about leishmaniasisLearn more about the Center for Creative Leadership Read the blog post mentioned on today's episodeLearn more about the Snow Pool project Support the showJoin The Public Health Career Club: the #1 hangout spot and community dedicated to building and growing your dream public health career.

In This Episode, We Get Tactical About: How What We Did in 2013 Created the Circumstances for Where We Are Now Condo Update and Why We Bought Our New Place Fitness and Entrepreneurship The Importance of Choosing Adversity Building a Strong Foundation for Business Through Hard Athletic Pursuits Choosing How You Suffer It's Not Lucky - It's Resilience, Perseverance and Determination The Foundation You Build Today Will Serve You or Fail You Tomorrow What Energy Are You Showing Up With? How Dad Bod Energy Infects Everything That You Do Adversity and Mindset What Does the Taylor Swift Eras Tour Have to Do With You?   Resources + Links:   Connect with Kristofor on Instagram | @team_healey   Connect with Kristofor on Substack | https://kristoforhealey.substack.com   How can Kristofor help you become an indispensable man? https://linktr.ee/krhealey   Download a FREE COPY of Indispensable: A Tactical Plan for the Modern Man   Buy your copy of the book, here!   Shoot us a message on Instagram with your biggest takeaway @team_healey   Show Notes: The roots of our entrepreneurial success came from the adversity that we cultivated through years of racing, coaching and failing at business. The foundation we built while racing Ironmans and ultramarathons and pursuing tough cases in law enforcement pay dividends today in how we show up in our businesses, for our children and for one another.  The roots create the fruit.  What are you planting today and how is it going to help you succeed tomorrow?   Until Next Time…out of role! 

Tune in Today's SHOW as our well known successful guest speaker shares amazing insight around this very important topic. You will find ways to connect with our GUEST today on the website mentioned in the video and further continue the conversation.   SUBSCRIBE, REVIEW & SHARE the SHOW! Elona at the Life School helps Entrepreneurs and Organizations grow legacy purpose driven life and businesses for major Impact & Income.   Website: www.elonaloparicoaching.com   Follow our Page on Facebook:  https://www.facebook.com/profile.php?id=100063162853244&mibextid=LQQJ4d Join our Facebook Group Community here: https://www.facebook.com/groups/entrepreneursofthelifeschool   Connect with us on Linkedin: https://www.linkedin.com/in/elona-lopari/   Follow us on Instagram: https://www.instagram.com/elona_lopari/  

Unity of Houston offers positive, practical and progressive teachings that support spiritual evolution and abundant living, emphasizing our Oneness in God and the goodness in people and all of life.   Watch our 7PM Wednesday Night Service and 11 AM Sunday service live on Facebook or at www.UnityHouston.org. Podcast of our messages and meditations can be found on our website and on iTunes, as well as videos of service lessons. Follow Unity of Houston on YouTube, Facebook, Instagram, Twitter, and MeetUp.

What does the Bible say about thankfulness?Rejoice always, pray without ceasing, give thanks in all circumstances; for this is the will of God in Christ Jesus for you. 1st Thessalonians 5:16-18 Even when we don't understand, we can rejoice, because God' is in control. And therefore, be thankful, no matter what our circumstance. God is not asking us to be thankful “for” every circumstance, but to be thankful “in” every circumstance. There's a difference!  Simple. Authentic. Jesus. 

It's God's Will That You Are Thankful In All Circumstances

Outpour - In Every Circumstance 11.12.23 // Ps. JP Troglio by Oasis Church Chicago

The passage for today is 2 Thessalonians 3:16. It says, "Now may the Lord of peace himself give you peace at all times in every way. The Lord be with you all." This verse tells us that God is the source of peace. He is the one who can give us peace in all circumstances. When we trust in Him, we can have peace no matter what is going on around us. We can be peacemakers by bringing peace into our relationships and into our workplaces. We can do this by being kind, compassionate, and forgiving. We can also be peacemakers by praying for peace and by working to resolve conflicts. Let us all strive to be peacemakers in our world today. Let us trust in God and let His peace reign in our hearts and minds.

It is Thanksgiving week, so this is when we all sit around a table eating way more food than any human can handle, and we're asked, “What are you thankful for?” Well, what happens when you feel like there's nothing to be grateful for? How can you be thankful even when things are tough? We're going to talk about that today.

We're moving toward Advent and this scripture gets us there. John is writing this letter to real people in a real place and time. These are people who needed to be reminded that God is present and that God is large. So John gives them a vision of the divine that is much larger than our brains can comprehend: God is larger than space and time as we know it - but also invades space and time as we know it. The one who was, who is, and who is to come. This idea is all over the pages of the scriptures. God tells Moses to tell the people "I Am sent you." Let's rewind to the creation story - God creates through God's word - through speaking. In John 1: The Word of God becomes flesh. In Paul's letter to the Colossians: In Jesus all things hold together. God is larger than space and time as we know it - but also invades space and time as we know it - just to be with us. I wonder - why do we need to be reminded of this? God wants to be with us in our pain, our grief, our struggle, our sorrow. And God wants to be with us in our joy and our happiness. The only question is - do we have eyes to see it and ears to hear it? Speaker: Aaron Vis Scripture: Revelation 1:1-8

While the United States celebrates the Thanksgiving holiday every November, all nations, including the United States can give thanksgiving for all God who has blessed us with so much. This is PART1 of a Two-Part series this week Steven did for Thanksgiving back in 2020 and is re-airing now so as to remind us all that-Thanksgiving is something Christians should and can due daily.Please SUBSCRIBE and SHARE this with your friends.Get EQUIPPED with some Online Training for or in 2024 at www.EQUIPPEDACADEMY.COM

In this episode:Mary Marantz, the author of Dirt and Slow Groth Equals Strong Roots, joins Heather to discuss how the power of positive self-talk can influence your mindset and circumstances. Mary shares her story and influence on moving from STUCK to START by overcoming your circumstances.Today's episode sponsor: Haverhill jewelry is the perfect personalized gift for the holiday season — dare I say the best gift to give your mom, mother-in-law, or add to YOUR wish list! Their jewelry can be personalized with birthstones to represent family, friends, or something special to you. All pieces are made in New England in their coastal Rhode Island studio with a fast turnaround!! Use code HEATHERBROWN15 for 15% OFF! I especially love their classic birthstone necklaces. I recently received mine with my boys' initials and birthstones. It's super sweet and special. Haverhill jewelry is made of solid 14k gold and are made to be worn everyday, never have to take it off during exercise, shower, or sleep. SHOP HERE:https://haverhill.com/products/birthstone-necklace-4-stones?_pos=1&_psq=classic+4+birthstone+neck&_ss=e&_v=1.0https://haverhill.com/products/personalized-2-letter-with-2-stone-necklace-14k-gold?_pos=3&_psq=2+letter+2&_ss=e&_v=1.0Resources mentioned from this episode: Listen to Heather's interview on Mary's podcast, The Mary Marantz Show: https://podcasts.apple.com/us/podcast/the-sunday-reset-how-to-calm-the-chaos-of/id1478272407?i=1000633980932Check out Mary Marantz's books -- Dirt on Amazon: https://urlgeni.us/amzn/marymarantzdirt- Slow Groth Equals Strong Roots on Amazon: https://urlgeni.us/amzn/marymarantzsgeFollow Mary on Instagram: https://www.instagram.com/marymarantz/?hl=enCheck out Mary's QUIZ she mentioned in the episode: https://interact.grsm.io/d848n5g4yylnMore resources from this episode:Train with Heather in the Healthy By Heather Brown Membership & start your 7 day free trial here: https://www.mylifewellloved.com/membership/Shop Heather's ebooks & products: https://www.mylifewellloved.com/product-category/digital-products/Shop Heather's Amazon storefront: https://urlgeni.us/amazon/HBstorefrontDownload Heather's free resources & printables here: https://www.mylifewellloved.com/freebies/Shop Heather's favorite liquid collagen & modere products with CODE: HEATHER for $10 off: https://www.mylifewellloved.com/everyday-must-haves/Follow Heather:Join email list: https://spring-pine-631.myflodesk.com/9347a138-077e-4c55-bf61-2137aeed89eaInstagram: https://www.instagram.com/healthybyheatherbrown/Facebook: https://www.facebook.com/HealthyByHeatherBrownPinterest: https://www.pinterest.com/healthybyheatherbrown/YouTube: https://www.youtube.com/@HealthyByHeatherBrown/videosLTK: https://www.shopltk.com/explore/HealthybyHeatherBrownTikTok: https://www.tiktok.com/@healthybyheatherbrownFollow & review:We'd love for you to follow us if you haven't yet. Click that purple '+' in the top right corner of your Apple Podcasts app. We'd love it even more if you could drop a review or 5-star rating over on Apple Podcasts. Simply select “Ratings and Reviews” and “Write a Review” then a quick line with your favorite part of the episode. It only takes a second and it helps spread the word about the podcast.

I know I'm supposed to be thankful...but what if I don't feel it? Blog: www.growingingrace.blog Follow me on Facebook or Twitter! I pray this episode served you well! Please consider leaving a rating on Apple Podcasts as this will help others find the podcast, and please share on social media!

A legal loophole in the Road Traffic Act means some drivers have been able to avoid penalty points if they just get a disqualification from driving for one day. Some drivers have even been allowed to pick the day themselves. So for example could chose a Sunday – when they're not working and don't need to car. The Taoiseach has said he's going to close all these loopholes. Do we take road safety seriously enough in this country? Andrea was joined by Evan O'Dwyer is a Solicitor specialising in road traffic law, Susan Grey, Founder of the Road Safety Group PARC and more to discuss...

In this message, Pastor Candace Pringle explores how to have gratitude in ALL circumstances, even bad ones, from Romans 5. “Attitude of Gratitude” is a FVChurch fall 2023 series about how gratitude affects our spiritual perspective more than we think. Find sermon notes, discussion questions, this message on the FV Podcast, and more from the "Attitude of Gratitude" series at: https://fv.church/media-blog-2023/2023/11/5/attitude-of-gratitude --- Send in a voice message: https://podcasters.spotify.com/pod/show/fvchurch/message

Please join us for prayer!

Today's Talmud pages, Bava Kama 17 and 18, discusses the different amount of damages one must pay when your chicken directly impacts someone else's vessels or bread, versus the amount of damages one must pay when it is the pebbles or wind that are stirred up by your chicken that later damages ones vessels or bread. This Talmudic conversation recalls that feeling of having to deal with circumstances beyond our control. To reflect on that feeling, we are sharing a segment from the most recent episode of the Unorthodox podcast in which Stephanie Butnick spoke with her dear friend LeElle Slifer about her experience of being in the United States on October 7, while her extended family was in Israel, and many were taken hostage from Kibbutz Be'eri. How does someone try to take control of the world around them when they are faced with such horrors? Listen and find out. Like the show? Subscribe to our weekly newsletter. Send us a note at takeone@tabletmag.com. Follow us on Twitter at @takeonedafyomi and join the conversation in the Take One Facebook group. We think that you may also enjoy Liel's new book How the Talmud Can Change Your Life: Surprisingly Modern Advice from a Very Old Book, available directly from the publisher, or wherever you purchase books. Take One is a Tablet Studios production. The show is hostedby Liel Leibovitz, and is produced and edited by Darone Ruskay, Quinn Waller and Elie Bleier. Our team also includes Satephanie Butnick, Josh Kross, Robert Scaramuccia, and Tanya Singer.  Check out all of Tablet's podcasts at tabletmag.com/podcasts.

Pastor Robert leads us through an examination of Paul's example of Christian contentment at the closing of this letter to the Philippians.

Giving Thanks in All Circumstances by Teresa Igono.  Big Idea: It is easy to give thanks during the good times, but God has commanded us to give thanks in all circumstances, including the bad times. The Samaritan leper gave thanks to Jesus when he was healed, and the Apostle Paul rejoiced in his hardships because he knew God was glorified in his weakness. Knowing and trusting in God and his promises can help us be grateful at all times.  EDGE Student Ministries

Brian Mashburn

Modern research shows a positive impact on both the giver and the receiver of gratitude. We need to give thanks in all circumstances, both above and around. Take time to thank God and the people around you today.

The difficulties of life don't need to disrupt your contentment.

The post IN ALL CIRCUMSTANCES appeared first on GATEWAYFAMILY.

The difficulties of life don't need to disrupt your contentment.

The difficulties of life don't need to disrupt your contentment.

The difficulties of life don't need to disrupt your contentment.

Sun, 19 Nov 2023 11:00:00 GMT http://relay.fm/analogue/219 http://relay.fm/analogue/219 Casey Liss and Myke Hurley A couple of surprises, some live music, and thanks are given. A couple of surprises, some live music, and thanks are given. clean 6316 A couple of surprises, some live music, and thanks are given. This episode of Analog(ue) is sponsored by: Squarespace: Save 10% off your first purchase of a website or domain using code ANALOGUE. Fitbod: Get stronger, faster with a fitness plan that fits you. Get 25% off your membership. Electric: Unbury yourself from IT tasks. Get a free pair of Beats Solo3 Wireless Headphones when you schedule a meeting. ExpressVPN: High-Speed, Secure & Anonymous VPN Service. Get an extra three months free. Links and Show Notes: A couple of surprises, some live music, and thanks are given. Support Analog(ue) with a Relay FM Membership Submit Feedback Easy macOS Loads By Way of Homebrew BundleCasey's tips for how to quickly load up a new Mac. Upgrade #486: On the Side of Reality Dave Matthews Band ConcertsCasey's list of concerts he's been to. Dave Matthews Band Live @ Charlottesville, 10 November 2023Details about the concert Casey & Erin went to. Daði og Gagnamagnið - Think About Things Loki (season 2) The Marvels Spider-Man 2 F1 23 Lego Masters The Amazing Race Nate Bargatze Washington's DreamNate Bargatze's SNL skit Matt Rife

Some ways to be prepared for unexpected events

Sun, 19 Nov 2023 11:00:00 GMT http://relay.fm/analogue/219 http://relay.fm/analogue/219 Unusual Series of Not Bad Circumstances 219 Casey Liss and Myke Hurley A couple of surprises, some live music, and thanks are given. A couple of surprises, some live music, and thanks are given. clean 6316 A couple of surprises, some live music, and thanks are given. This episode of Analog(ue) is sponsored by: Squarespace: Save 10% off your first purchase of a website or domain using code ANALOGUE. Fitbod: Get stronger, faster with a fitness plan that fits you. Get 25% off your membership. Electric: Unbury yourself from IT tasks. Get a free pair of Beats Solo3 Wireless Headphones when you schedule a meeting. ExpressVPN: High-Speed, Secure & Anonymous VPN Service. Get an extra three months free. Links and Show Notes: A couple of surprises, some live music, and thanks are given. Support Analog(ue) with a Relay FM Membership Submit Feedback Easy macOS Loads By Way of Homebrew BundleCasey's tips for how to quickly load up a new Mac. Upgrade #486: On the Side of Reality Dave Matthews Band ConcertsCasey's list of concerts he's been to. Dave Matthews Band Live @ Charlottesville, 10 November 2023Details about the concert Casey & Erin went to. Daði og Gagnamagnið - Think About Things Loki (season 2) The Marvels Spider-Man 2 F1 23 Lego Masters The Amazing Race Nate Bargatze Washington's DreamNate Bargatze's SNL skit Matt Rife

Life is full of mountains and valleys. On the mountains, it's easy to be thankful and to rejoice. However, in the valleys, there is just as much reason to be thankful and rejoice. While valley experiences are never easy, and while we prefer to be celebrating on the mountain, Jesus is still good and worthy of gratitude. He's with us on the mountain, but He's also with us in the valley. Circumstances and situations may change, but His love, care, and protection for us remains the same.

The difficulties of life don't need to disrupt your contentment.

Some seasons are just HARD. You know the ones. Where you feel out of control and at the mercy of someone else. When you feel like you're just floating untethered. Join me for this short bonus episode where I talk about ways I've been coping with the unknown. If you're going through a hard season know you're not alone!

Hello Unstoppables! Welcome to Season 3 of The Unstoppable Mind Podcast! REGISTER FOR MY UPCOMING FREE MONEY CALLS https://www.marylourodriguez.com/millionaireREGISTER FOR UNSTOPPABLE SECRET SUCCESS HACKS SERIES!https://www.marylourodriguez.com/unstoppableseriesJOIN HYPNOTHRIVE:https://www.marylourodriguez.com/hypnothrive2023saleWebsite: https://www.marylourodriguez.comFollow me on social: https://www.instagram.com/marylouhypnotizesyou/https://www.facebook.com/Marylouhypnotizesyouhttps://www.tiktok.com/@marylouhypnotizesyouhttps://www.youtube.com/channel/UCyTeaC078Osc0zk3B-SKD-AaDownload your FREE Hypnosis Audio! https://www.marylourodriguez.com/14dayunstoppableconfidencehypnosisaudioJOIN THE FACEBOK GROUPSwww.facebook.com/groups/unstoppableminds - Hypnosis Business Group https://www.facebook.com/groups/millionaireinsideofyou - Money Mindset Group https://www.facebook.com/groups/unstoppableyounow - Unstoppable Success 

America Out Loud PULSE with Dr. Peter & Ginger Breggin – In today's discussion with Diana West, we delve into global crises, from the Israeli-Hamas conflict to the Chinese invasion. We explore the intricate links between politics, media narratives, and cultural wars, shedding light on the hidden forces shaping our world. Join us as we unravel the complex web of global and domestic challenges threatening our democracy and freedom...

Welcome to God-Sized Stories with Patricia Holbrook, and this is our Thanksgiving edition.In this episode, I want to share a message about developing a truly thankful heart, regardless of our circumstances. I'll take you back to a time when my children were small and we started a Thanksgiving tradition that brought us closer to God and each other. But what happens when life throws trials and tribulations our way? How can we still find reasons to be thankful when times are tough? I'll share some examples from Scripture that inspire me and demonstrate true faith in the face of adversity. And in a recent speaking engagement, I introduced the "Thanksgiving chair" concept to challenge my audience.  So this Thanksgiving season, I invite you to join me in creating your own "Thanksgiving chair" and reflect on the year's blessings and challenges. Whether your jar overflows with blessings or is filled with sorrows, may the One who works all things together for His children's good and for His glory fill you up with genuine gratitude.To give to the Agape Christmas Shelter Love Day: https://bit.ly/3ZTyRSMHappy Thanksgiving!Support the showClick on the link above to support us and help keep this show going!Click on the links to connect with Patricia on Instagram, Facebook, Twitter, LinkedIn, YouTube

Dr. Paul Jenkins has done both. Here are six reasons he believes Positive Psychology wins: Circumstances really are neutral. Trauma is universal – so it can't be a special case. Our brain is always evaluating....

Somewhere in our journey, we step into the passenger seat of our life. It's on autopilot.Circumstance is behind the wheel.We're existing. I know because I was there & newsflash 80% of us are there. In this microepisode, we're delving into the profound impact of intention-setting in how we show up in our lives. We provide tangible tools that will have you hitting the pause & asking yourself this one question to set intention in your life. Whether you're a seasoned practitioner or just beginning to explore the world of intention, this episode offers a wealth of wisdom and inspiration in our favorite way: with the power of microsteps. Tune in to unlock the secrets of the mind, elevate your consciousness, and tap into the limitless possibilities that arise when you set your intentions with clarity and conviction.Pull up a seat & join us on this profound exploration of the power of intention, and let the journey toward a more intentional and fulfilling life begin.Stay Connected With Us On Social:Instagram: @megan.b.millerLinkedIn:  megan miller intention Sign Up For Our Microstep Monday Tribe (every Monday: 1 intentional thought for the week): megan-miller.com

Of all the gifts God gives His children, joy is perhaps the one closest to heaven on earth.   Who isn't aware just how wonderful it feels to experience true joy? It is as if the Lord has freed a prisoner.   When American POWs returned from captivity in Vietnam, the looks on their faces as they emerged from the planes carrying them to freedom…well, no one will ever forget that!   Psalm 16:9 says, “Therefore my heart is glad, and my whole being rejoices; my flesh also dwells secure.”   Scripture tells us that we don't escape trouble in this life, but that for the believer, eternal joy waits for us, and the Holy Spirit gives us joy in our daily walk in the here and now.   It's also ours for the taking—to reach up and pick this fruit that feeds our souls. Sometimes simply making the choice to embrace a joyful spirit is the key to having a blessed day.   Let's pray.   Lord, you did not create us to be defeated or to be sad. Father, your Spirit brings joy in big and small moments, sustaining us for our journey. Thank you for joy. In Jesus' name, amen.

Every entrepreneur will experience adversity at one time or another - that's a fact of life. Whether it be business related or personal, how we respond to the presence of these challenges is vital to determining whether we will triumph over them. In today's episode of The Greatness Machine, Darius chats with Ben Woodward, speaker, strategist, coach and best-selling author. Ben is no stranger to adversity, having had to send his father to prison, struggle with undiagnosed bipolar disorder and endure a corporate crisis throughout his life. The wisdom he gained from these experiences has been outlined in his book, The Empowerment Paradox. You'll discover a little of Ben's journey - Moving from New Zealand to the UK with only 50 pounds in his pocket to live with his father - who turned out to be a sex offender who had never been brought to justice. You'll learn how Ben was forced to confront his father, a process that resulted in a prison sentence and a new perspective on their relationship. You'll discover how Ben's life has been shaped by undiagnosed bipolar disorder, offering him unique insights into the concept of surrender and becoming a victor over one's circumstances. Join Darius and Ben for a deeply personal and powerful discussion that will change the way you look at adversity in life and in business. Topics include:  Ben's journey from living in New Zealand to, at just 22, taking a one-way trip to the UK to live with his father - who he hadn't seen since he was 14 How his father turned out to be a sex offender who had never been brought to justice, and how Ben was forced to testify against his father and send him to prison How undiagnosed of bipolar disorder has shaped Ben's life and offered him unique insights into the concept of surrender The importance of becoming the victor over your circumstances, no matter what they may be And other topics… Connect with Ben: Website: http://www.ben-woodward.com/  Twitter: https://twitter.com/BenWoodwardEP  Connect with Darius: Website: https://therealdarius.com/ Linkedin: https://www.linkedin.com/in/dariusmirshahzadeh/ Instagram: https://www.instagram.com/whoompdarius/ YouTube: https://therealdarius.com/youtube Book: The Core Value Equation https://www.amazon.com/Core-Value-Equation-Framework-Limitless/dp/1544506708 Learn more about your ad choices. Visit megaphone.fm/adchoices

“Circumstances might not look the way we want them to, but He's faithful. So, our role is to persevere in prayer and trust the Master Planner. God's purpose will prevail.” How comforting! God's foreknowledge as the Master Planner brings us assurance as we place our children in God's hands. He already knew before time began, the plans He has for you and your child. Today we finish our series, How Great is our God, hearing from our Mountain Division Coordinator, Robin Elliott. She shares that no matter the circumstance, no matter what things look like to us, God has it all in His perfect and capable hands. The Moms in Prayer Podcast is a part of the Christian Parenting Podcast Network. To find practical and spiritual advice to help you grow into the parent you want to be visit ChristianParenting.org ABOUT OUR GUEST Robin has been married to her husband, John, since 1986. When their oldest started school, she heard about Moms in Prayer on the radio and joined a group for the local school. That was the beginning of an amazing journey which has led from Minnesota to Idaho and from a group member into leadership. Through Moms in Prayer, she has learned that one hour a week can put the rest of the week's activities into perspective. Over and over, God has multiplied her time when she put Him first. She would love for each woman to have that same experience. Robin has found that when she gets busy and becomes distracted, it is easy to lose perspective and move ahead in her own strength. But when she sets aside weekly time to pray with others in a Moms in Prayer group, her focus on who God is and what God has done gives her all she needs to handle every situation she faces. 2 Samuel 22:33 reminds us that “It is God who arms me with strength and keeps my way secure.” SCRIPTURES  The counsel of the Lord stands forever,     the plans of his heart to all generations. Psalm 33:11 ESV   Many are the plans in the mind of a man, but it is the purpose of the Lord that will stand. Proverbs 19:21 ESV   this Jesus, delivered up according to the definite plan and foreknowledge of God, you crucified and killed by the hands of lawless men. Acts 2:23 ESV   Your kingdom come, your will be done,     on earth as it is in heaven. Matthew 6:10 ESV   LINKS MOMS IN PRAYER New to Moms in Prayer? How to get started Follow Us on Facebook Follow Us on Instagram Support Our Mission

God's light often shines brightest through us in our darkest moments.

This is a fairly comprehensive list of practical techniques that Joseph Murphy teaches in using your imagination and prayer to see your wishes fulfilled. When we come to analyze prayer, there are many different approaches or methods. We will not consider the formal, ritual prayers used in religious services. These have an important place in group worship. We are immediately concerned with the methods of personal prayer for use in your daily life and in helping others. Prayer is the formulation of an idea concerning something we wish to accomplish. Circumstances and individuals suggest different approaches, but all must establish a clear statement of the benefit, the healing, and the purpose for which the prayer is offered. The techniques Murphy covered are the visualization method, the mental movie method, visualization technique for an audience, the Baudoin technique, the sleeping technique, the thank you technique, the argumentative technique, soundwave therapy, the decree method and the secret place. These are just a few of the unique tools Murphy gives that you can use to see your wishes fulfilled. 

Most pilots follow an unwritten rule: if they flip a certain switch and the plane suddenly starts going crazy, they switch it back. Pretty basic. Well, spiritually, if we think a certain path we've chosen is God's will for our lives but then our lives suddenly fall apart, maybe it's worth reconsidering. Today on A NEW BEGINNING, Pastor Greg Laurie brings helpful insights on following God's will for our lives. It's practical help for those of us who are unsure about God's direction. Listen on harvest.org --- Learn more and subscribe to Harvest updates at harvest.org . A New Beginning is the daily half-hour program hosted by Greg Laurie, pastor of Harvest Christian Fellowship in Southern California. For over 30 years, Pastor Greg and Harvest Ministries have endeavored to know God and make Him known through media and large-scale evangelism. This podcast is supported by the generosity of our Harvest Partners.Support the show: https://harvest.org/supportSee omnystudio.com/listener for privacy information.