Podcasts about complete confidence

If you don't like the reality of how you speak and act during your homeschool days, it might be wise to ask yourself if you have any underlying doubts about your faith. Today, I'm sharing parts of my story, of my doubts, and how I came to this place of complete confidence.

Update: Mindset Hackers will be changing to the High Value Skills Podcast on Aug 13th! In this episode I'll be sharing a 3 step framework that helps you crush it when coming to decisions so that you make them with confidence and conviction. Most of our decisions have a negative bias and are fear based, and usually NOT the right choice that serves us in the long run. These 3 steps will help you make choices that are from a place of knowledge, courage and conviction! Make sure to join my Digital Entrepreneur list here: https://www.simonwparsons.com/vip_list

Keenan Burton joined Vinny and Jalen and talked about his experience at SEC Media Days. He also had thoughts on this year's team, his place on UK's all-time list, the rivalry with Louisville and more. https://twitter.com/BleavInKentucky  

February 20, 2022 "Unhindered and with Complete Confidence" by FFMC Seattle

2 Corinthians 7:13 "For this reason we have been comforted." 2 Corinthians 7:16 "I rejoice that I have complete confidence in you."

The Commish explains his Two-A-Days for Week 16 of the NFL schedule and how certain teams have to make themselves playoff bound this late into the season --- 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/kevin-curry12/message

* Guest: Eldon Stahl - Field Coordinator - The John Birch Society - JBS.org - TheNewAmerican.com. * Guest: Bryan Rust - Over the past 50 years, Rust Coins has been working to educate customers about precious metals - RustCoinAndGift.com. * Honest Money Report: Gold: $1758.36 Silver: $23.11. * Biden Has 'Complete Confidence' in Milley After Report He Vowed Alert China To an Attack, Psaki Says. * Alaska State Senator Lora Reinbold, Excused From Votes Due to Airline Mask Mandate Ban - Peter Rykowski - Congress did not pass any law requiring mask-wearing. * A Coordinated Ransomware Attack Strikes 22 Towns in Texas - Manny Fernandez. * Democrat Strategist Douglas Schoen, Declares His Party Will Suffer “Blowout Defeat” in 2022 - Bob Adelmann. * Report: Rent prices in these Utah counties have skyrocketed — including one with a 66% jump - Katie McKellar, Deseret News.

Making an offer on your first rental property can be intimidating. It's different than buying your primary residence, your investment can be made or broken at this point. In this episode, we give 3 practical tips for you to gain confidence in your numbers and start your investment journey off on the right foot. --- Transcript Emil: Hey everyone, welcome to another episode of the remote real estate investor. My name is Emil Shour. And I've got my co host with me,   Tom: Tom Schneider,   Michael: and Michael album.   Emil: In today's episode, we're going to be talking about how to feel confident enough to make that first offer. This is something we see all the time newbie, someone who's interested in real estate, they're looking at properties. And they'll they'll either run it by a friend of theirs, or they'll send it to us in the academy. And, you know, they'll say, Hey, I looked at this one looks pretty good. What do you think? Should I make an offer? Right? That's the main question, should I make an offer. And so the goal, this episode, we're going to give you our top tip, each of us is going to give you our top tip, so that you feel confident that when you find the right property, you will make that offer that first offer. So let's hop into this episode.   Alright, guys, so I don't know about you, but this one has come up for me time and time again, right? Like someone will send you a link send you a link to a property on roofstock or Zillow, or realtor or wherever and just kind of be like, what do you think? Should I make an offer? Have you guys had that happen before?   Tom: Is this a good property?   Emil: Yes!   Tom: Is this a good deal?   Emil: There you go.   Michael: That's probably the number one question I get in the academy is students asking that, because nobody wants to buy a bad deal. Nobody wants to be that person that bought, you know, an alligator bought a bad deal. And so that's, I think, what's on everybody's mind. But I'm excited today to talk to you guys about how to get over that. And then maybe some different questions that they could be asking either of us in the academy or of colleagues or other investors.   Maybe that would be good to chat about as well as what other questions can be asked to decipher? Is this a good deal without just saying, Hey, this is a good deal? Because good is such a relative term.   Tom: Yeah. And having confidence? I mean, that's what the episode is about, like, what are? How do you build confidence in the process and all that good stuff, submitting an offer.   Emil: Totally. And just for the record, I did this as well, I sent it to people I knew who were who had experienced buying real estate. And I did the same thing. So I'm not saying you know, it's bad that you're doing this. It's a very, very common thing. I've done it. I don't know if you guys did, but it's common. And our goal is just to help you feel a little more confident so that you can you can walk in and put an offer in and feel good about it.   Michael: No, I totally did this. I mean, I I still do this. The questions I'm asking are more sophisticated. Now, thankfully, because I'm learning. But I think it's important to bounce ideas off other people I think I don't want to ever be think that I know everything or that I'm the smartest person in the room. And so think that Oh, like why bother asking someone I already know the answer. No, I think that's totally the wrong mindset.   But again, I think calibrating the question to get more of a useful response, as opposed to is this a good deal? I think is really, really important. And that comes with time, because when you're just starting out, you don't even know what questions to ask, let alone what the answers mean.   Tom: Pealing in the onion peeling in the.   Michael: That's right. And hopefully not crying.     Tom: Sometimes that's okay, too.   Michael: Yeah, that happens. You know, it's good.   Emil: All right, guys, who, who wants to kick us off with their tip.   Tom: So my first tip, and again, this is to drawing confidence into submitting offers, is be in establishing a maximum bid in a thoughtful, pragmatic, kind of data driven way. So what are some ways that you can establish a maximum bid?   For me, I'm looking at a couple of return metrics. And I want to set my maximum bid to hit that return metric. And when I am evaluating properties, I know exactly what's the maximum amount that I can pay to still hit that return metric. And we've done a bunch of rabbit webinars and shown this function in Excel called goal seek really cool tool that runs a regression to come up with the maximum amount you can offer while still hitting a particular return metric. So for me, I have confidence when I submit offers, using some conservative assumptions on costs, as well as rent collected and all that good stuff, coming up with a very specific max bid, and then submitting my offer and perhaps even negotiating and not exceeding that max bid.   So that would be the My first tip in, in submitting an offer with confidence is establishing a max bid and having the confidence to say no, I'm not going to offer any more than that and using that as sort of a to play off of in the negotiation and the initial offer anchoring process. So.   Michael: I think that makes a lot of sense, Tom, and I'm just curious to know for you personally, like, how do you anchor that max bid? Because I think what a lot of people in the question, they're asking, Is this a good deal? What they're really asking is, is this priced appropriately? Or am I paying the right amount for this property.   And so that can be seen a number of different ways for some people that can be, hey cash flows really well with the debt that I have on this thing and the current rental amount. And so that's going to drive my numbers, or maybe it's going to be based on an appreciation play. And so I need to be buying this thing under market value in hopes that I'm buying equity in day one. And so both those things can impact what your max bid looks like.   So for you, how do you anchor your max bid? Is it based on the cash flow? Or is it based on the appreciation or equity that you're anticipating to purchase?   Tom: It's on a lot of things? So like in that submitting that offer, like there's a couple of data points that I have I have, what's the maximum I'm willing to pay for it? I have what the list price is, I have how, you know, kind of the general hotness of the market, right? Like is this, is this a place where I need to go a little bit over listing? I have within the process of evaluating I've established what I think a an appraiser would value it out based on recent comps. And then I don't know if I already said this already, but how long it's been on the market, right? So depending on all those different factors.   So like, let's say I have a max bid, that's 120% of the list price, but the property has been sitting on the market for a while with that information, I might want to submit an offer at you know, 90%, or 80%, or whatever of the list price, I know that I have a good chance of winning this property just because my maximum bid is well above what the list price is. And the it's in a market that's not that hot.   This is obviously a makeup situation, because a lot of markets are quite hot right now. But my point is, you know, in submitting that initial offer, there's all of these different data points. And one of the most important ones to establish and which is my number one tip is what is your maximum bid that you can make, but you put that into context with other information such as, like I said, What's the list price? What's the What do you think that appraiser is likely to value the property at what is the market doing all of that kind of stuff?   So I think I answered question, Michael, in in kind of getting two more layers back on the onion on what the, you know, appropriate offer amount is but it one of the fun things with this is the art and science aspect to it. Right. So the art is kind of threading that needle between the list price and my maximum bid and, and all of that and the sciences, you know, establishing those specific values.   Michael: Totally. And your your answer to my question begs a follow up question. And I'm curious to hear from you both, is how much weight Do you give to the list price? And why?   Emil: I don't give it much weight in terms of you know, it doesn't it doesn't matter to me what you want for your property, it's a matter of how much can I pay to get the return I'm looking for right? I'm an investor. This isn't about me, falling in love with a property wanting to live there, you know, owner occupant, I guess it's a different story. But as an investment, it has to meet the criteria that I'm looking for, like Tom mentioned, right max bid, or, like, what can I offer to get whatever return I'm seeking.   So whatever, you know, you put as a list price doesn't matter to me, obviously, one caveat there. Let's say you're looking at a property that's $250,000. And to make the numbers work, it needs to be bought at $125,000. And it's like a nice new property and all that I'm not going to waste anyone's time and go write a $125,000 offer, right? Like, you're wasting everyone's time at that point.   So I guess what I'm trying to say is it's not doesn't it's not important what the list price is, but it's also not like, you should just go start slinging 40-50% at list price offers all over the place and see what sticks.   Tom: I think it does matter. And you kind of just made the argument for me why I think it does matter. Because I'll exclude a lot of properties. If that list price is just it's such a delta, between what I'm willing to offer it for the same point that you said like, Don't waste anybody's time. I mean, that list price is effectively the first offer that's made, you know, when you submit an offer, that's really the second one like the first offer is what the list price is. Like I just repeated myself. It's just like, there's an echo in this microphone.   Michael: Yeah, you just said yeah, he said it in a different way.   Tom: Say it in a different accent. Just kidding. Alright, so yeah, that the list price is really effectively the very first offer that's being made to a potential buyer. So I I definitely put some weight to it and that it'll, it will kick out a bunch of properties that are just not in the range at all.   Emil: It's just like, Don't let the the list price influence what you're making your offer at. But it's also like yes, the list price will help you sort through a lot of bad deals and say okay, throwing throwing all these out, they're not good deals.   All right, I think yours lends pretty well into My top tip, Tom. So I'll go next.   Michael: we should have a section called top tips, top tips.   Emil: My top tip is to analyze at least at least 20 to 30 properties in the market that you're looking at. So let's use Indianapolis as an example. Let's say I've decided, Indianapolis, we've talked about in prior episodes, choose a market, right? Like, it's not helpful for you to compare a property Indianapolis to one in Jacksonville, and compare. It's not apples to apples, right? So choose a market and then go in and analyze a bunch of properties there, I think.   We also talked about in a prior episode, how do you set up like running your numbers, right? always run your own numbers? Yes, roofstock. And other sites will help you in estimating these things. But we always encourage you to run your own numbers. So I would I would do that for at least 20 to 30 properties to figure out what a good deal is versus a bad deal, right? So if I analyze 20 or 30 properties, and my main metric is my cash on cash return, I see that like, let's say the average is seven and a half percent. And then that means there's a bunch of properties that maybe give me a five and a half percent return. And there's a bunch of properties that maybe give me an eight or 9%.   Now you kind of have an idea of and this is what Michael Zuber talks about all the time, and I love it. What is a bad deal, an average deal, a good deal and a great deal, right? You have a barometer for what is a good deal actually look like because you've analyzed a bunch of properties in that market. So that's my number one tip is go look at a single market analyze a bunch of properties. So you know, oh, man, this is a good deal compared to all the other ones I've looked at.   Michael: When you say Good deal. You mean good deal for you, or good deal for every individual investor as opposed to an overarching good deal?   Emil: I mean, good compared to, and again, I'm stealing this from Michael's Uber, because I just think it sums it up very well. Good compared to the average, right? So if you look at a bunch of properties within a market, and even a sub market, right, like, a big enough market, you're gonna have things all over the spectrum, right. So like, let's say you're looking at only three star neighborhood plus, right? What is the average return in those types of zip codes? Right? Is it a 5%? return a 6% 7%? So now, you know, the the average? And then anything below that is a bad deal. Right? It's it's below the average anything that's above that is a good anything well, above that is a great deal. That's kind of what I mean by those terms.   Tom: In that advice Emil, are you only looking at new active listings? Are you looking at sold listings? When you're saying getting to that number of evaluating 20 properties? Would you go into that a little bit deeper? Double tap that?   Emil: Yeah, I would.   Tom: Classic office speak double double tap that. Go ahead. Sorry.   Emil: I would look at active because if you're looking at something 612 months ago, especially in a market like today, prices have changed a lot in the last five, five months, six months, whatever it is. So I would look at personally active listings, or maybe maybe even pending, as well, because that's recent enough. But I wouldn't look at something six to 12 months ago, personally, in a market like now, would you guys.   Tom: I think I would look at of the active ones I'm a value evaluating, I would be really keen to know what they actually sold that just because I mean, you know that list price, it's it's like I said, it's really the first offer, like it's not actually what it would have traded out or what it's sold out. So I would agree, I wouldn't want to go beyond six months, or whatever an appraiser would wouldn't look out, I wouldn't want to look at. But I think knowing the actual sales price is really important in that cohort of 20 properties or 30 properties that you're looking at.   Michael: Yeah, yeah, absolutely. Absolutely. But yeah, I'm on the same page, six months, anything older than that is ancient history, at the pace of, of the changing market nowadays.   But Emil, I wanted to kind of circle back to the point kind of question that I was asking before. And so something I harp on in the academy and tell me if you guys agree or disagree is that, you know, a good deal is only a good deal in which the lens in which it's viewed. And so Emil, you could be looking at the exact same property, as Tom and I both have a three star neighborhood, same exact performance. And if we have different goals, it could be a great deal for you and a horrible one for us.   And so I'm always very careful and try to be cognizant of using terms like good, bad, better or worse, because it's relative to the investor based on their goals, where they're starting from and the lens in which they're viewing things from. And so a great example of is I'll have people ask me all the time, oh, Michael, there's a property on Roofstock. It doesn't cash flow. So it's a bad deal. Who would want to invest in that? And I say, Well, there are tons of people that are looking for tax benefits and tax breaks that would absolutely not want cash flowing property, because that'll change their tax burden. They're looking for property that doesn't cash flow, but likely will appreciate. And they go, Oh, I hadn't thought about that.   And so I think the the goal in mind, and the perspective is really important. And so that's what I was kind of trying to tease out from you is that when you talk about good properties, or average deals or bad deals, can only be specific to each individual investor, right?   Emil: Yeah. But I actually think to your point, even if you're if you're looking within a specific market again, right, like, let's say you're looking at Los Angeles was really hard to find a cash flow property with 20%, down, right, you can still use the same thing to say, of all the non cash flowing deals, here's the average, right? Here's the average whatever return and then your aim should be to beat that return. Right? If that's the average guy in that market, you should aim to do good or great compared to that local market.   That's a takes out the the subjectivity of good or great because you're doing on a market level, you're trying to beat the average deal. done in that market.   Michael: I got it. Okay. All right. So if we if we apply the same level of scrutiny, or the same variables, rather, so if I put 20% down at three and a half percent financing, this is my kind of average return, as opposed to on a per deal basis. Okay. Okay, that makes sense.   Emil: On a per deal, right? So you analyze 2030 properties, right? And you find again, it's like, my cash on cash return for this market is 7%. That's the average after I've analyzed, I don't know, let's, let's say 50 deals, because you want to be really thorough. Now, then your goal is to go to do a good a great deal, which is what every investor wants to do. How do you go beat that, that average number, that average number in that market?   Michael: Got it? Got it? Okay. And I think you said this already. But just really to drive the point home, asking for a friend, the the, the 20, or 30 properties need to be consistent in terms of that neighborhood score, in terms of quality, because as soon as you go compare a one star neighborhood to a five star neighborhood, that then throws off the quote unquote, average, right?   Emil: Exactly, you should, you should try to niche down to like, zip code or something, right, like to neighboring zip codes, or something where it's a small area within that sub mark, because if you do the whole market, you're it's gonna be all over the place. So I would, I would try to like, niche down into these sub markets,   Michael: Perfect. And then getting getting really specific on bed count, bath, count, vintage, all that kind of stuff, as well as important because the variability is going to throw off the price point as well?   Emil: You can you could even just look at it like 23 bed, two bath, single family homes, and then 24 bed, two baths. And how do the returns line up between those two, which one's a better investment right now.     Michael: That makes a lot of sense. So I dig it, for whatever that's worth.   Emil: Thanks, Michael, wrap us up, take us home.   Michael: So my top tip of the morning for us all is to be proactive in building your team. And what I mean by that is, when so many of us are under contract for a deal, that's when we go start talking to local property managers. And I think it should actually be done the opposite way. So I would say, go find a market and part of your market is diligence should be talking to local property managers. Because if you can't find a single property manager that you want to work with in that market, I would argue that you probably shouldn't be investing in that market to begin with. Because I would say that the investment lives and dies via the property management.   And I'm totally guilty of this. I mean, I did this, I'm talking about this, because I did this. So I got so excited about these deals. And I didn't have a good property manager, I was totally juggling and fumbling at the 11th hour as the deals were closing to get these things with a manager, that was agreeable. Once I did that, I realized the manager sucked, I fired the manager, six months down the line. And we talked about this on prior episodes. But if I had done things differently, if I had got things squared away on the front end, these investments would have been so much easier just to deal with in that six month timeframe, and probably even to now because things would have been run tighter to begin with.   And so again, just have these conversations on the front end before you get under contract if you can. This is kind of in a perfect world scenario, I understand that sometimes we got to, we jump into things and we know it's gonna be a sure thing. And then we deal with it after the fact. But if you can involve the property management, in the inspection conversation, involve the property management and the tenant placement conversation involve the property management company, in evaluating the neighborhood and in the market as a whole to get an idea of what's going on in that market. I think talking to local folks on the ground is really, really important. And I would argue that property management is one of those key roles. And just continuing building the team. You could also do the same with agents or contractors or CPAs or any other professional that you might want on your team.   Reach out to people whether that's references or Google reviews from Yelp or Angie's List or bigger pockets or in a Slack channel in the academy, there are so many folks out there that are already doing this, you don't need to go reinvent the wheel. So just go out and have these conversations on the front end. Because again, it'll likely influence your decision on whether or not to invest in a particular market.   Tom: Great point, Michael. Oh, excellent. segue, especially as a remote investor. And I'm, like, extra aggressive with my property manager and asking them for help. So like just looking at like roads and like neighborhoods on the very tippy top of the spear like, Hey, I'm looking this property on Van Ness or whatever, you know, do you guys manage any properties there? Oh, great. How are they doing? How is rent been trending? Stuff like that? Like, would you consider living there?   So important as a remote investor to have those localized in years and bring them in super early? So great point, Michael.   Michael: Thanks.   Emil: Who do you guys think team member wise, is vital to figure out before you start making offers, if anyone?   Tom: The property manager would be no brainer. Lender a medium length second place? Just because if you're using debt, you know what your buying power is? You know, it's not a close second place just a pm as a remote investor, but it's not a long, long distance. Second place.   Emil: I agree. I think having the pm lined up have those conversations, I would try to choose a pm before I start going out making offers. I didn't do this either, Michael. So this is stuff or rewinding the clock and saying things we wish we did. I think good to have a conversation with a lender figure out like, like Tom mentioned, what is your buying power? What are rates? What are they having hovering around? So you can do your, your analysis correctly, right when you're crunching the numbers, but you can always shop the loan around once you're under contract like that one, that one's not as important beforehand.   Michael: Yep, I agree. I'm right there with you both. And I would say to Tom, to your point in, in kind of building that team and chatting with property managers, a question that I get all the time from members of the Academy is, Michael, is it okay? If I reach out to these property managers, even though I don't have a property under contract or have a property for them to manage? Are they even gonna want to talk to me?   And it's a very common question. It's a very common misnomer. And I always say, Yes, I think that they would absolutely want to talk to you, if they are interested in learning more business, anybody that's not willing to talk to you about the area about the market until your quote unquote client or quote unquote customer, I would say, may not have the best business practices. That's not how I would run my business. And so you are a potential new customer, you're a potential new lead for them that reached out to them. So why in heaven's name, would they be turning you away?   So I'd say that speaks more volumes about the property manager as a company or maybe as an individual. And that's not something that you should be worried about. And if they slam the door proverbial door in your face, then just go find another one. But I think that that even begs the question, begs the reason even more, that you should be speaking to property managers ahead of the transaction ahead of offers if possible.   Emil: Alright. We mentioned this in earlier in the episode, but like, what are what do you guys think are like some good questions that someone who's kind of brand new looking to make that first offer feel confident? What are some other questions they should be asking, besides, should I invest in this property? Should I buy this property? Should I make an offer?   I'll kick it off. I think one of the most important things you can ask is I'm investing in Indianapolis was an example. Right? So I'm investing in Minneapolis, who should I talk to in that market? I think that's one of the important ones, right? Like networking, talking to other investors, tells you people who've invested there talk to property managers in that market, maybe talk to some agents there, whatever it is, I would ask Who should I talk to? I think that's a good one.   Tom: My question would be is having eyes wide open going into it on the risks and the downside, I guess, just kind of knowing your liability, like risk wise. So like, if you're buying a property that needs a little bit of work, or something, knowing what those like total liability, because I'd say the biggest risks of investing in real estate is not being well capitalized enough. Like if you need the extra money, and then the needing to sale sell kind of like in a fire sale. Like that's really like one of the only ways you lose is just not being well capitalized enough and needing to sell under distress.   So making sure that you know, like what that potential liability is and go back to your original question. It's Yeah, finding out like what that potential liability and making sure that you're well capitalized, man, is there just like an echo in this microphone? I think I repeat myself. Sometimes, actually. They say like, repetition is like the mother of acts of teaching or like talking about.   Michael: Yeah, it helps drive the point home for sure.   Tom: Yeah, just say it a little differently. Say it slower or faster, higher pitch, lower pitch. Yeah. So to repeat myself one more time. Know where your liabilities? Okay, go ahead, Michael.   Michael: Yeah, I think those are both great. And and they're kind of overarching themes just to get really specific question that I would be asking and kind of touches on both of your your questions is, how do I calculate my after sale property taxes as an investor? I think it's such an important question to be asking. And to get it right. Because so often on a cost basis, and as part of the expense ratio, your property taxes is your biggest expense. And that's a forever expense that is going to be coming every single year day in and day out, doesn't go away with time, it likely grows with time. And so we want to make sure that we get that right from the get go.   And that's one thing I see a lot of new investors, again, myself included. Totally faceplant on, that can be a haunting, incorrect analysis or an incorrect decision. So getting that right from from the word go, I think is hypercritical.   Emil: I'm going to add someone on that because I mentioned on a previous episode, and I'm learning it now, there are certain states certain cities that reassess your property tax. So California has something called like prop 13, where your property tax stays the same from when you buy it. Other states so I have a property in Indianapolis. So Indiana or any now I don't know, if it's a state thing or a city thing. They reassess your property every single year.   So when your property is appreciating and things are great, guess what your property taxes going up too. So something to keep in mind as you're thinking about property tax, I think can keep going up as the as the market goes up, too. So something to factor in.   Michael: I always say you know, people complain about high property taxes or this and that. It's like look at the end of the day if the numbers make sense, who cares? Yes, it's a big number and less would be better for your investment but also you're getting strong rents you're getting you know if the numbers weren't great, so just keep I just understanding how it works is the most important part just getting educated. And going into it. Tom, like you said eyes wide open is is what you want to do.   Emil: Good note for us to end this episode on. Thanks, everyone for sticking around. Hope you made it to the end. hope you got some valuable tips and hopefully you're feeling confident enough now or confident enough to know what to do go do the work, and then make that first offer. With that we'll catch you all in the next episode. Happy investing.   Tom: Happy investing.   Michael: Happy investing.

Today's message teaches us to live by faith. We should have complete confidence in God daily in all areas of our lives. Each day we should confidently put our faith and trust in the Lord.

The Bible teaches us that the purpose of salvation is to be conformed to the image of God’s Son—Jesus. The process by which that transformation happens is called “the Christian Walk.” There are many elements that are essential for that transformation process to take place. This will be our focus for the next several weeks. The first of these is the element of PRAYER! In this message, we want to focus our attention on the effect of Christ’s sacrifice on the cross. According to the passages we just read, what happened as a result of Jesus’ death, burial and resurrection?

Episode 122 (03/10/21): Each day, we encounter hurt, heartbreaks, insecurities, and fears… In our fear? We fight. In the fight? We doubt. In our doubt? We run. We all long to have a confidence that our days & pursuits are not in vain. May we not run away from our Creator, Savior, and Sustainer… Heavy heart, may we not settle for less than complete confidence in the One who holds all of our days, and all of our tomorrows. There is so much more than all of this. Video Excerpts: Christine Cain, Francis Chan (IF:Gathering Conference 2021) Max Krinitsyn, “Hiking to Conundrum Hot Springs HD” https://youtu.be/nY8yzTXO710 Music referenced in this episode: Urban Rescue, “Take Me Back” (From the album: Listen Empty)

A new MP3 sermon from Bethel Reformed Baptist Church is now available on SermonAudio with the following details: Title: Why we can have complete confidence in the Saviour our Great High Preist Subtitle: Hebrews Speaker: Pastor Chalan Hetherington Broadcaster: Bethel Reformed Baptist Church Event: Midweek Service Date: 2/9/2021 Bible: Hebrews 7:26-28 Length: 58 min.

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See omnystudio.com/listener for privacy information.

In this episode, Laure Carter shares how she was able to really shift into a place of complete confidence in herself, in her work and in the program she created.

The Prime Minister says she has complete confidence in the border regime, and the government's ability to keep people in isolation facilities if they refuse to be tested as their release date approaches. There's fresh scrutiny on the testing regime, with National claiming not enough is being done to make sure those in managed isolation or quarantine are having a test at day three, which was part of tougher new rules introduced in June. Fifteen people have also refused the day 12 test - while the government can't force them to take the test, it can refuse to release them from the border facilities. Here's RNZ political editor Jane Patterson.

How would you feel if someone affirmed you by saying, “I have complete confidence in you!”? The truth is the LORD affirms you with those actual words. Take a look at this from the Word of God. The Apostle Paul told the believers in Corinth: “I rejoice, because I have complete confidence in you” (2 Corinthians 7:16 ESV). Paul knew these were divisive, immoral, fault-finding human beings. They were being ripped apart by complaining, criticizing, comparing and competing with one another, and yet he placed his complete confidence in them? How could he do that?

Cathy Sirett, author of Complete Confidence, and Kate chat about confidence and the journey that led Cathy to write her book. They explore the tools that help people move from anxiety to waking up excited to spend time with their horses and achieve their equine goals.

Part 2 of the Puññābhisanda Sutta Sutta AN 4.52

In this episode of Serving Jesus Christ, Pastor Swanson shares a message titled, "Complete Confidence" In it, He asks the question: How much confidence do you have in God? He then asks the question: Is God worthy of our confidence and trust? If you desire further information, it may be obtained at wordgiver@gmail.com. The hymns, "Come Thou Almighty King and Revive Us Again" arranged and played by Don Wigton. Used by Permission.

720: Our guest, Jim Grundberg, is the gracious and generous CEO of Seemore putters . For our last giveaway of 2019 we’re giving away a brand new, customized Seemore Putter from either their Classic Series or their latest Mini Giant series. When you win, their fitting experts will work with you to put a great new putter with Rifle Scope Technology in your bag. These putters have proven themselves on the PGA, LPGA, and Champions Tours, and will give you the confidence and precision to sink more putts every round. Enter at GolfSmarter.com/giveaway2019. Deadline for entry is December 22, 2019 Midnight PDT and the winner will be announced on episode 721.This week on Golf Smarter Mulligans episode 36, published each Friday, is "Using Mental Keys to Control Anxiety and/or Fear on the Golf Course" with author, mental coach, and founder of the Mental Keys system, Michael Anthony. Subscribe to Golf Smarter Mulligans for free wherever you listen to your favorite podcasts or at YouTube.com/GolfSmarterTV.Golf Smarter Mulligans is brought to you by TwoGuysWithGolfBalls.com where you can buy premium used golf balls, with little to no discernible difference, and at a fraction of the cost of new balls. Use “golfsmarter” at checkout to get an additional 10% off every order, every time! Some restrictions apply.

Brooke Allison-  Brooke is a Multiple Six-Figure Mind Shift Coach and Achievement Strategist, she helps entrepreneurs scale to 6 figures (or a quarter of a million) with complete confidence by creating a business and a mindset that is fiercely unstoppable!  Brooke is the epitome of unstoppable! She believes that no matter what life throws at you, obstacles that come up, your circumstances do not dictate your future and your power! After going through an abusive relationship, food stamps, and overcoming an extremely negative mindset, Brooke decided this was not her truth and was no longer going to let her outside circumstances hold her back! She is now someone people are drawn to on a daily basis because of her contagious energy!  She studied at Webster University and graduated with a BFA Degree in Visual Art and a minor in Dance (with an Emphasis in Photography). One of her biggest achievements is she just got back from a 6 month trip where she travelled all over Europe, to 15 cities all by herself as a Digital Nomad. She has now returned to the States and is excited to make a bigger impact.  Here are a few potential topics that Brooke would love to discuss and provide her expertise on your show: Overcoming life's obstacles and not giving up!  Scaling your income from $0-$100k! Mastering confidence to increase your cash flow! Creating consistent income in your business! Identifying your purpose and making money from it! How your thoughts produce your results!  —> ANYTHING Confidence, Clarity, and Cash flow related, Brooke is your girl!  Brooke has her own podcast, Fiercely Unstoppable, which currently has 37...5 star reviews. She has been featured on over 20 podcast and youtube shows including: The Badass Business Podcast,  Chardonnay & Slay your Business, The Glow Life Podcast, The Wealthy Babe Podcast, Make it Rain, Mom’s Making Money Show, Coaches Close Clients, The Love Yourself Podcast, Unleash your Voice, and many more!! She also has more interviews coming out soon!! Brooke would be more than happy to share the collaboration with her audience!  She has a collective audience of over 17K+ across her social media platforms. Links:  Website- brookeallisoncoaching.com Free FB group- bit.ly/fiercelyunstoppable Instagram- instagram.com/brookeallisonn FB business page -https://www.facebook.com/brookeallisoncoaching/ Podcast- Fiercely Unstoppable (iTunes, Stitcher, and Google Play) FREE GOODIES: Free Affirmation Transformation Bundle- bit.ly/affirmationtransformation Free Raise your Vibe and Feel Confident AF Bundle- bit.ly/imreadyforconfidence Free Daily Checklist for Massive Success- bit.ly/successhereicome Listen to another #12minconvo

If you're a hyper casual games developer, you have reason to celebrate. You're in a market that is seeing eye-watering growth and raking in cash thanks to an ad-supported model that ticks all the boxes. But winning is about selecting the right publisher--one who is with you for the journey and has the resources to take your game to new heights. Our host Peggy Anne Salz catches up with Jon Hook, CRO at Homa Games, a company helping mobile game developers grow their apps from scratch to millions of users. Jon shares a checklist to help you find the right partner and talks about the even bigger challenge ahead: producing simple games that can send retention through the roof.

Pete Schaad discusses Canada's win over French Guiana, and looks ahead to the Whitecaps Saturday tilt with Seattle

Chad Barr is an Internet marketing strategist with over 25 years of experience transforming businesses through technology innovation. Born and raised in Israel, Chad arrived in the United States at age 22, determined to capture the American dream. He founded his own technology company, CB Software Systems, in 1987, and quickly became a globally sought-after software developer, mentor, and strategist. Today, Chad's work as president of the Chad Barr Group spans multiple continents, with clients in the UK, Italy, Germany, Ireland, Australia, New Zealand, Canada, and across the United States. Chad helps his clients leverage the web to dramatically transform their businesses and establish a powerful web presence. His firm, the Chad Barr Group, is recognized as one of the leading strategic Internet development organizations in the world. Chad devotes his time to writing, coaching, consulting, speaking, and leading the Chad Barr Group. A prolific writer about web, marketing, and business strategy, he has published hundreds of articles and several books, which teach how to leverage the web to build your brand and transform your business. When he is not working with his clients, Chad revels in his latest role as grandfather to three wonderful (and, of course, brilliant) grandchildren. A former professional guitarist, Chad especially enjoys playing guitar for his grandchildren, who think he is the coolest guitarist in the world. “number one have complete confidence in your ability to bring something of value to your target audience. Whether it's a product or it's a service, whether it's a combination of both. But number one advice would be got to be confident and you have got to have something to market. So it has to be something valuable. Number two, and I cannot rehash it enough become a great marketeer. And if not make sure that that you bring a great marketing company or a great marketing individual that can help you effectively market yourself. And then don't just be silent. And the best way not to be silent is to publish your work, to write articles, to create pass like the one you are creating right now”…[Listen for More] Click Here for Show Notes To Listen or to Get the Show Notes go to https://wp.me/p6Tf4b-6Um

Big Idea: ...I have complete confidence in you. (2 Corinthians 7:16)

Sermon preached on 11 Mar 2018. Scripture : Philippians 1:3-11 Listen via Podcast   The post Christ Carry Complete Confidence appeared first on Ang Mo Kio Methodist Church.

Rev. Mark Hawkinson gives a meditation on Matthew 8:1-13 – Complete confidence and assurance in Jesus for all things. Hear sacred music, meditations, and prayer on Moments of Assurance weekdays at 12:00 p.m. CST.

Postmedia NFL columnist John Kryk joined Scotty Mac to discuss a spectacular Super Bowl LII, Nick Foles executing the game-plan, whether there may be a QB Controversy in Philly next season, Foles' future as a starting QB in the NFL, and Malcolm Butler's benching.

When you fly on an airplane – you think things. Like: “How good, is the air I’m breathing? Will I get drunker than normal if I drink at 35,000 feet? What if some lunatic tries to open the airplane door during the flight?” I’ll reveal the answers to these and other common questions about air travel.Some people seem to be born with a lot of self-confidence. But most of us are not. So how do we increase our confidence and project it to the world? Psychotherapist Sheenah Hankin, author of the book, Complete Confidence (http://amzn.to/2El5bV0) has some excellent strategies to increase your confidence that you can put into practice immediately.The U.S. Postal Service is a part of everyone’s life. And sometimes it seems that they can make your life difficult. So, I have some tips from actual postal employees to help you navigate the postal service with more efficiency and do it in less time.Are you doing what you are really good at? Or do you work in a job that leaves your true skills idle and untouched? Sir Kenneth Robinson, author the book, Finding Your Element: How to Discover Your Talents and Passions and Transform Your Life (http://amzn.to/2GAxyPP) explores ways to discover what you do well and then find ways to incorporate those things into your life. It’s important because when you do what you are good at and it is something you find satisfying, it can transform your life.

Rev. Mark Hawkinson gives a meditation on Matthew 8:1-13, "Complete Confidence in Christ." Hear sacred music, meditations, and prayer on Moments of Assurance weekdays at 12:00 p.m. CST.

Learn to Podcast FREE: http://bit.ly/1MtQevY The popular Power Podcasters Course. The Complete Confidence & Self-Esteem Master Class http://bit.ly/29uqCHH Confidence Effects Everything In Your Life. It Is The Foundation of Happiness. Fea...

Rome was a "cesspool of inequity". However, Paul was confident in the power of the Gospel. Paul believed that it was this power that the Roman people needed.

Your Story The stories we live by, will define our future.      Is your story empowering you or holding you back from the unlimited amount of opportunities around you?       I came to this this question when I was thinking about my one-to-one Skype sessions. My clients come to me with their issues, symptoms and goals, yet behind those is the story of how those challenges came into existence.     In some instances, past experiences and the stories of our life can empower us, but sometimes they can hold us back. Just like a broken record, we can replay the same type of negative thoughts, beliefs, feelings and behaviors due to the stories we live by.     Let me explain more, including how to get over any negative stories in your life in this audio.    Two Flash Sales For Valentine's Weekend.       1) NEW Night Time Transformation Hypnosis Session:   Get over four hours of continuous hypnosis whilst you sleep for only $17.99with coupon code 'wowza' (50% Discount, usually $35.99!)  What topics and suggestions are in the session?  Sleep Deeply           Confidence           Motivation  Procrastination        Calmness              Peace  Healthy Eating        Healing                  Physical Exercise  Self Sabotage         Contentment          Inner Strength  Positivity                  Power                   Safety  Control                    Self Belief              Happiness  Drive                       Fear Of Failure      Charisma  Focus                      De-stress               Anxiety     Click Here to get it for only $17.99 Coupon code: wowza    2) Complete Confidence Course:      Usually $199, but with Complete Confidence, you will get this 11 lesson audio course (over 8 hours long and includes work sheets) for only $69.  I just know if you follow through with each lesson, you will see your confidence grow to new levels that you have always wanted.  Together we will create amazing transformation in you. You will be unstoppable!  Whether you suffer from low self-esteem, anxiety, depression or any issue in fact, this program will help you realize the power within you.  Every two days, I will email you with the new release of the next lesson. I do this so that you can learn new strategies in a specific sequence. Having time to process each lesson is really the best way to gain complete confidence.    Click Here to get it for only $69                 Bestselling book Be Your Potential now FREE!  It also has has life transforming FREE MP3 downloads   I will share with you my powerful and proven techniques, allowing you to make effective changes in your life and to take control in creating the results that you desire. -  Click Here  just pay for shipping!        ALSO now in audiobook form and for FREE, over 8 hours and read by me (I also go off the script for extra insight) - Click Here  It's time to take control in creating the results that you desire with your health, relationships and career.  just pay for shipping!       

Today, she's an author and one of New York's most popular psychotherapists, but there was a time when Dr. Sheenah Hankin, Ph.D., was an unemployed divorced mother of four. Find out how you can overcome negative self-talk and live your life with Complete Confidence. For more information on Sheenah Hankin, Ph.D. and her book, Complete Confidence, a Handbook, visit her website at www.sheenahhankin.com