Podcasts about Divide

Register here to attend the live virtual event "How to Scale Your Portfolio, with Tenanted Cash Flowing, New Construction Properties" on Thursday, November 13th at 8pm Eastern. Keith introduces a profound life perspective: humans are typically allotted only 30,000 days. What will you do with the days you have left? Every moment not spent building wealth is a moment lost forever. Adam Schroeder, a real estate investment strategist, joins the conversation to talk about current opportunities with new build properties with significant builder incentives and the potential for high appreciation. Resources: Switch to listening to the podcast on the Apple Podcasts or Spotify app, as the dedicated GRE mobile app will be discontinued at the end of the month. Show Notes: GetRichEducation.com/578 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  For predictable 10-12% quarterly returns, visit FreedomFamilyInvestments.com/GRE or text  1-937-795-8989 to speak with a freedom coach Will you please leave a review for the show? I'd be grateful. Search "how to leave an Apple Podcasts review"  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— text 'GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript: Keith Weinhold  0:01   Keith, welcome to GRE. I'm your host. Keith Weinhold, the real estate market is slow when this happens in a cycle. What does it mean to a real estate investor? What type of return can you really expect today? I'll tell you exactly, and you'll be surprised. Learn more about new build properties and why investors often prefer DSCR loans over conventional loans today on get rich education,   Keith Weinhold  0:28   since 2014 the powerful get rich education podcast has created more passive income for people than nearly any other show in the world. This show teaches you how to earn strong returns from passive real estate investing in the best markets without losing your time being a flipper or landlord. Show Host Keith Weinhold writes for both Forbes and Rich Dad advisors and delivers a new show every week since 2014 there's been millions of listener downloads of 188 world nations. He has a list show guests include top selling personal finance author Robert Kiyosaki. Get rich education can be heard on every podcast platform, plus it has its own dedicated Apple and Android listener phone apps build wealth on the go with the get rich education podcast. Sign up now for the get rich education podcast, or visit get rich education.com   Corey Coates  1:13   You're listening to the show that has created more financial freedom than nearly any show in the world. This is get rich education.   Keith Weinhold  1:29   Welcome to GRE I'm your host. Keith Weinhold, yes, America's favorite shaved mammal on a microphone is back with you for another wealth building week. Just the talking primate that's heavily mortgaged here. I'm also a landlord still waiting for a security deposit from back in 2018   Keith Weinhold  1:51   Hmm, oh, I'm so into self deprecation today that I forgot about the place names hitting you, from Dover, Delaware to   Keith Weinhold  2:01   Andover, Massachusetts and across 188 nations worldwide, you're listening to get rich education. There's a realization that can sharpen your investor focus when you think about the fact that, in a sense, how little time you are allotted in your life. It's something that I've thought about more. You're only given about 30,000 days. That's the typical lifespan of a human being, and that goes for both shaved mammals and others. Well, you've already spent 1000s of your 30,000. The question is, what are you doing with the rest? At some point, people understand or they better that they need to go out on a limb. There are people less qualified than you living the life you want to live simply because they chose to believe in themselves, and really, that's the moment everything shifts. belief. It's not a feeling. It is a decision backed by action. Too many people learn this lesson the hard way. They discover, often too late, that relying on one income stream is the most dangerous financial plan of all. A job can vanish. Federal Workers found that out amidst a government shutdown, a business model can change. AI can intrude. A paycheck can stop. But when you own assets that pay you month after month, no matter what you're doing, you slowly begin to untether yourself and move toward freedom. And here's the truth about pain and money. Poor and middle class households work for money, so to them, that's why every dollar spent feels like a little loss. It can even hurt, and that is why they hesitate even on opportunities that could change everything. The wealthy, on the other hand, own assets that pay them, so therefore every dollar spent feels like a seed, because it grows when you own enough income property, you can move away from constantly asking yourself, can I afford this? And start asking, What will this investment earn me? Over time, this mindset shift changes everything at that time when other people's money starts working for you, not the other way around.    Keith Weinhold  4:45   And here's the thought experiment I use, take the hourglass of your life and flip it, watch the sand fall. That's time, 30,000 hours, 30,000 grains. That is. Is time the one resource that you cannot get more of. So every day you delay prudently investing the sand does not pause. It just keeps flowing. But you can choose how that time compounds the sand that's left over and hasn't fallen through the neck of the hourglass. Yet that is your opportunity to build multiple income streams from real estate, from ownership and from leverage, it is your chance to replace anxiety with well autonomy. Every family with generational wealth can trace it back to one person, one risk taker who decided to stop trading hours for dollars. They believed in ownership and control. They believed in themselves. They acted before the sand ran out. If you've already started real estate investing, well, then you've already begun to break that cycle. If you've done it for a time, you're going to have more time, more income and more options than you had before. That is worth celebrating and scaling, because the best time to start was yesterday, and the next best time is before the next grain of sand hits the bottom.    Keith Weinhold  6:22   Later today, I'll talk about taking this sentiment and moving it towards something very specific and actionable. Now, in this era, the real estate market is slow. That is in terms of transaction volume, there just aren't as many sales. Sometimes this whole thing feels more sluggish than Jabba the Hutt after Thanksgiving dinner.   Keith Weinhold  6:49   5 million is a typical number of existing homes sold every year in the US. 5 million. That's normal. That's baseline during the pandemic frenzy. It reached over 6 million, and now it's about 4 million. That's why I say that housing transaction volume has slowed, and appreciation is only about 2% that's below historic norms, and rent growth is like barely doing push ups. It's two to 3% in single family homes volume now it has picked up a little here lately with lower mortgage rates, and so have home prices. Redfin now tells us that home price appreciation is 3% but most outlets say 2% some analysts that are more optimistic than me call today's housing market healthy. They don't call it slow. And why is that? Well, it's the healthiest it's been since covid, because now you have a good balance of buyers and sellers. The real estate market isn't so miserably deprived of inventory like it was back in 2022 in 2023 but I am going to go with slow now, as you know, I coined the phrase real estate pays five ways back in 2015   Keith Weinhold  8:09   But how exactly does that hold up in today's slow transaction market? Could an income property buyer's return even be disappointing now? Well, let's do it. Let's determine what you can expect if you purchase an investment property here in these slow market conditions, we'll determine your total rate of return in year one. And you know, this will be sort of like dating someone that's not the first date, but to really get to know them, to know if they're potential spouse material. You want to see them at their worst and be sure that they look good on their bad days. So let's just be conservative and use 2% home price appreciation. Say that you buy a 200k single family rental. Now a 20% down payment means 40k down. Sellers are willing to give you concessions now, say that they're going to pay your closing costs, because the 200k that you're paying is their full asking price, so it's your terms and their price. Well, say that you don't get any cash flow. The rent only covers the expenses exactly. Okay, so we're really painting on a not so pretty picture. Here, it would seem. Here we go, in a slow market, the first of five ways you're paid is that erstwhile appreciation. Your property only appreciates 2% from 200k up to 204k not so exciting, until, of course, as we know around here, you realize that your return is your gain on your skin in the game, your 4k gain divided by your 40k down payment gives you a 10% ROI. There it is leverage. Didn't just show up. It brought donuts. 10% just from the first of five ways you're paid. The second way is cash flow. Say that rent minus your 160k mortgage payment here and your operating expenses, that merely breaks even, like I was saying. So 0% additional return from cash flow. And before we add on numbers three, four and five to get your total rate of return in a slow market, let's take a moment to check on Jabba. How's Jabba doing? No, Jabba still hasn't gotten up from that heavy Thanksgiving dinner. It's still a slow market. We've confirmed that we're going to continue   Keith Weinhold  10:41   the third way you're paid, as any GRE listener knows by now, is with that ROA return on amortization, also known as principal pay down with a 7% mortgage rate in your 160k loan on this property, an amortization table shows you 1625 bucks a tenant made principal pay down. Divide that by your 40k down again, that is another 4% return. All right, so you add that to your 10% from leverage depreciation, and you've now got 14%   Keith Weinhold  11:17   next is your tax benefit. It's a 150k structure value, not the full 200k because raw land can't be depreciated. Multiply that by 3.6% depreciation, that means you've tax sheltered 5400 bucks. That is like a phantom loss that you get to show the IRS. Just a little more math here, and this is as far as you have to stretch it, in visualizing numbers in an audio format at a 24% income tax rate. That is 1296 saved on 40k down again, another 3% for you, and your running total is a 17% ROI before we get to the last one, which is inflation profiting, not inflation hedging, which almost everyone mistakenly says in real estate investing, it is inflation profiting.    Keith Weinhold  12:13   Your 160k loan gets eaten by 4800 bucks at a 3% inflation rate, divided by 40k down. And you know, inflation is usually the villain. Now it is the hero. You've got another 12% from inflation profiting. And here's the sum in this slow market, your total year one rate of return is 29%   Keith Weinhold  12:43   and you're like, my gosh, did that really just happen? Now you might want to skip back on some parts of that to help make it crystallize in your mind. I've got to tell you before I ran these numbers in this slow market with this 2% appreciation and even assuming zero cash flow, I thought your total rate of return would be in the low 20s, not this high, not 29%   Keith Weinhold  13:09   the numbers don't lie. They just don't get enough attention on CNBC.   Keith Weinhold  13:16   Now I did use shorthand and simplify. You would also have to adjust your 29% for inflation, just like you do for any investment. So then about a 26% inflation adjusted return for you. Wow. And if you want to know more about what I just used shorthand on, you can always watch the five videos on the five ways real estate pays for free at getricheducation.com/course that's get richeducation.com/course, the most valuable video course you'll ever see on real estate investing, but a huge investor lesson here, an epiphany today, is that it does not take a high growth market to build wealth. Even when it seems like real estate's half asleep, it can still work five jobs for you, we could be near the nadir of the cycle here.    Keith Weinhold  14:16   Appreciation has picked up in recent months, with mortgage rates being lower than they've been in a while, but even when appreciation and rent growth slows now, you can see that the ROA tax benefit and inflation profiting just keep working overtime. The bottom line here is that income property still pays a lofty 29% if you buy today, even in a slow market, and this is at a time when investors, a lot of them, don't know what to do with their money, since every market type seems to be near an all time high, and people don't want to buy in at those high levels, and savings accounts pay you less than a gumball machine, owning investment property proves its resilience. I mean, this is why we do this. It's kind of like stocks can party with a surge in an upcycle, and then they can bust and boom and bust and boom. But all the while, instead of partying, real estate just keeps its head down and works the night shift for you, your wealth quietly compounds in the background while the rest of the world panics or debates interest rates on LinkedIn or something.    Keith Weinhold  15:33   All right. Well, with that in mind, where can we take advantage of that real estate return and expect to do even better with it, even if the market did stay slow. Well, builders have unsold inventory in places like Texas and Florida, like I mentioned before, and to a lesser extent, in parts of the West as well, but the prices are too high out in the west for a cash flow investor. So today, you can buy at a discount in a way that you absolutely could not during the height of the pandemic.    Keith Weinhold  16:06   A guest and I are going to talk about a specific opportunity in today's market, and then how you can exploit it. The National Association of Homebuilders has even noticed that home flippers have switched gears, and increasingly, what flippers are doing is instead buying new build properties and then renting them out, because new builds have lower upkeep costs come with a lower mortgage rate because the builder is buying it down for you, they have lower insurance and they attract a better quality tenant that stays longer, even if the HVAC did break. That's okay, because new build homes often come with a warranty. The smart money knows that new build is where the opportunity is today. That's something that I've discussed for a while here, but today we're getting more actionable. CNBC let us know that the CJ Petra company reports that investors now make up the highest share of Homebuilders in five years. And you'll recall that we've had CJ Patrick, company founder, Rick sharga, on the show a lot with me here the past few years. Some say that the smart money is waking up again. I don't know investor activity is steady, but it's not really that much. It only seems like a lot because the wannabe owner, occupant, buyer has been priced out. So it's better to say that investor activity has been steady. Investors bought fully 1/3 of single family homes this past summer, and that is up from 27% in q1 I'll discuss that more soon.    Keith Weinhold  17:44   Hey, you know one thing that makes GRE different is that our show sponsors are here to supplement and benefit your specific investor activity. And another thing is that I use them myself. Thank God we are not here to tell you about pneumococcal pneumonia or your moderate to severe plaque, psoriasis. I don't even know what that stuff means. Freedom, family investments and Ridge lending group. I very know what they're about. I'm a satisfied client with each of them myself. So listen in.    Keith Weinhold  18:21   You know, most people think they're playing it safe with their liquid money, but they're actually losing savings accounts and bonds don't keep up when true inflation eats six or 7% of your wealth. Every single year, I invest my liquidity with FFI freedom family investments in their flagship program. Why fixed 10 to 12% returns have been predictable and paid quarterly. There's real world security backed by needs based real estate like affordable housing, Senior Living and health care. Ask about the freedom flagship program when you speak to a freedom coach there, and that's just one part of their family of products, they've got workshops, webinars and seminars designed to educate you before you invest. Start with as little as 25k and finally, get your money working as hard as you do. Get started at Freedom, family investments.com/gre, or send a text. Now it's 1937795898, 377958989, yep, text their freedom coach directly. Again, 1-937-795-8989,   Keith Weinhold  19:32   the same place where I get my own mortgage loans is where you can get yours. Ridge lending group NMLS, 42056, they provided our listeners with more loans than anyone because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage. Start your prequel and even chat with President Caeli Ridge personally while it's on your mind, start at Ridgelendinggroup.Com, that's Ridge lending group.com   Kathy Fettke  20:05   this is the real wealth network's Kathy betke, and you are listening to the always valuable get rich education with Keith Weinhold.   Keith Weinhold  20:14   I'd like to welcome in a new guest to the show. He is a real estate investment strategist that's been working in the media industry since 2001 and throughout the career, he's held the title of a local news reporter, podcast host and producer for nationally syndicated companies like NPR. He's been in real estate nearly 20 years. Adam Schroeder, welcome to the show.    Adam Schroeder  20:48   Thanks for having me on. I really appreciate it.    Keith Weinhold  20:50   Yeah, I'm looking for your read on today's real estate market, just the general landscape overall, because Adam, I've shared that national transaction volume is down about 25% appreciation is still there, although it's been slow. Rents are just steady. We do, however, still have this supply that is down among entry level homes, something a lot of media articles broad brushstroke and don't understand, and really it's still a valid question to ask, even today. Is there any better risk adjusted return than income property that's bought, right? So what are your thoughts on the overall real estate investing landscape?   Adam Schroeder  21:30    Yeah, overall real estate investing, it's kind of like what you said, entry level housing. I remember I saw a heat map. This was probably five or six this was pre covid. It was maybe even seven or eight years ago. It was a heat map that showed, like, new construction, home pricing, and, you know, there was like 500,000 and up. Was just this massive chunk. And then there was all these ones, ones that were under about 300,000 it was around, like six or 8% or something like that. It was really, really small. If you look around, it hasn't gotten bigger. And so the question of inventory and availability and pricing, they're never going to talk about it on the national media, because there is no entry level home in Chicago, in New York, in LA, you're not going to find that. I mean, you're paying 200 grand for a doghouse in the backyard, if you're there. And so we are finding the entry level housing, but I think right now, an oversupply of inventory in some of these markets is a very good opportunity for people. If you're buying for with the right fundamentals, if you're buying in an area that's growing and has good long term, you know, 8,10, 15 year diagnostics. Then if you're buying now with builder incentives and all of that, yeah, your year one, year two, year three. Appreciation may not be the greatest because of that oversupply, but if you look at what's happening now with construction starts in a lot of places, builders have gotten scared off. They're not really starting them now. So if you're buying new now, in 2,3,4, years, all of the inventory will be sucked up, and there won't be new homes coming to the market. So you're going to be one of those people who has one of the newest homes in the area, more people are going to want to be getting in. And so your appreciation and rent growth is much more likely to be growing. So that's one of the things I love to look at, is I look at what new home starts, what happened in the past, what was oversupplied, but now, who's what cities aren't building. And if I know what cities aren't building, then I can compare it to, okay, well, you know, there are some cities in California that aren't building anything I'm not going to buy in California, but there are some cities in Minnesota, in Oklahoma, you know, in Texas, where they're not building anymore. And if it's landlord friendly and can cash flow and all of that, Sign me up. I'm bullish on parts of this, of the United States real estate market, not the whole United States real estate market.    Keith Weinhold  23:55   It's been pretty well documented that parts of the nation are overbuilt. However, especially in Florida and Texas. And I brought up the point months ago Adam that if you buy, say, a new build income property in temporarily overbuilt pockets today, five years from now, looking back five years onto today, you could be like, Yeah, I bought five years ago, when some areas were actually overbuilt, and I snagged a deal, and the builder was even giving me incentives like my rate at that time, because, you know, long term, the demand is going to be there and that the absorption is going to be there. So it's about knowing what's happening and then identifying the right time in that cycle. In today's environment, some feel that DSCR loans are a better option for investors, and what that means a debt service coverage ratio loan is that you qualify for the loan not with your personal income, but instead with the property's income. Do you see more investors employing dscrs?    Adam Schroeder  24:55   We see a ton for a really good reason. That is simply put, especially if you're utilizing these builder incentives, buy down rates on DSCR frequently outperform ones with conventional like some of the lenders we're working with. I look and let's say you're putting 4% I looked at it this morning with an investor with 4% of purchase price towards your loan on a DSCR loan, you're down to 5.49% on a DSCR, but conventional, you're at 5.75 that doesn't happen for the most part. It's just something that right now, the risk profile of investors is allowing the rates to be either at or better than conventional many times. Plus, people love to put their properties in LLCs for protection, and they'll worry with conventional, oh, what if a due on sale clause gets triggered, even though it's really hard to trigger that, if you worry about it, well, why not just get a loan that's equal or better than a conventional that doesn't go on your you know, debt to income and can go straight into the LLC to begin with, and then your hands are clean the whole way through, and you're not having to worry about transferring titling. Honestly, my wife is about to murder me because I have some properties that were meant to go into an LLC two years ago that are not currently in an LLC.   Keith Weinhold  26:17   Well, hopefully you'll live until the end of this interview. Tell us more about DSCR loans, and maybe some that, no you talked about the upside, maybe some red flags and some things to look out for, times when we would not want to employ that loan type.    Adam Schroeder  26:30   A lot of it with the DSCR you're looking at like you said, they're not evaluating you necessarily. Now you do have to show reserves. You do have to show that the property will perform on its own. But sometimes full doc loans with conventional can be the way to go, because, like I said, in the past, it used to be that DSCR loans were three quarters of a percent, or a full percent higher than the DSCR. Or, yeah, DSCR was higher than the conventional. And so if you could get a four and a half with a conventional versus a five and a half on a DSCR. It's well worth the extra paperwork that might come with doing it to save yourself that money and really build up your cash flow. We are just in a very awkward time of investing, where the investors for DSCR loans, the people who are buying those mortgages, are not the same people who are buying the Fannie Mae Freddie Mac secondary loan market, and so they just have different risk profiles, which allows the rates to be different. So that's really the big thing. Is, if you've still got your Fannie Freddie slots, it's worth talking to your lender and saying, what would it look like if I did this loan? What would it look like if I did that loan? Where am I? But when it's all said and done, if you're really close or equal, I would almost always skew towards the DSCR to protect myself, go straight into an entity and keep it off of my debt to income ratio, plus on dscrs. You also have the option, and we don't recommend this for every property or even for certain people, depending on risk profile, but you have the option to do an interest only loan with 20 or 25% down, which allows you to do kind of what we call cash flow management, where people get worried about interest only loans and say, Well, I'm not building equity. I'm not doing this, not doing that. Well, you're not, but you're also, you can still put principle towards your loan every month, right? Like a principal loan, maybe you're throwing 200 bucks a month, a principal towards that. Well, with an interest only loan, you can still put that $200 in. But what it means is, if there's a month where maybe you have some repairs that need to be done, or something like that, don't pay the principal and on the interest only, you're still okay on a principal and interest. If you can't pay that, if you just pay all the interest, they're still going to say, well, Keith, you're late on your loan, right? And so it gives you a little bit more flexibility, but it's not for everyone. It's not for every property, so definitely talk with lenders about that. But conventional loans don't offer that. DSCR loans can.    Keith Weinhold  28:53   There's always opportunity in every real estate market. It's just identifying what those are and then ethically exploiting the opportunity. So we're talking about buying in areas that are temporarily overbuilt utilizing DSCR loans. And another advantage in this market, which is an aberration, is the fact that new build properties, like few times in history, if any, actually cost less than renovated existing properties.    Adam Schroeder  29:20   Yeah. I mean, when you can get into, you know, an A class neighborhood with 80% owner occupied, 90% owner occupied, and you're getting in for way less than the median cost of a home in the US. You mean, you're getting in for, I mean, we've got new builds in the 220 range on some of them up to 400 you know, which is still below the median cost. Yeah, that's really good. If you're looking to get into any a class neighborhood, or even B plus neighborhood, finding a property that's 200 $250,000 in those areas is tough. It's just tough. And so especially because as pricing went up for everything with inflation, you know you can't do. Do a cheap rehab anymore. If you're going to do a good rehab, you can't do a cheap rehab. I talk to our teams all the time and tell me, Hey, I did, you know, I only spent $70,000 to renovate this property and like that is a lot of money. I know you're getting it out whenever you do the burn, you know, or sell to an investor, but still a lot of money to put in to get there.    Keith Weinhold  30:20   Well, then let's talk about identifying possible growth markets for long term investing success. New build properties tend to appreciate better than rehab properties. And you know what's funny, Adam, I was just sharing this with my audience on a recent episode. I largely disagree with this long time investing axiom in real estate that says appreciation is just icing on the cake. I think I know what they're saying that doesn't help you out on a month by month basis, but we're in real estate investing for the long term and long term, more of your returns typically come from leveraged appreciation than they do on the cash on cash return from cash flow. So to me, appreciation is not just icing on the cake. In a lot of cases, it is the cake. And really, that's something that new build can offer more of.    Adam Schroeder  31:09   Yeah, I mean, it's almost in, especially in today's market, it's almost like cash flow is the icing on the cake. You know, you can get a property that, you know, is in that really good area, like we're talking about, and is, maybe it's appreciated a little bit now, but it's very likely to appreciate a lot later. If you're only making, if you factor everything in maintenance, vacancy, all of that, and you're making $100 a month, that's solid, you know, if you look at it, and if you're in those areas, if you appreciate 5% on a $300,000 property, let me tell you this, you're not going to make $15,000 in cash flow that year on that property. So if you look at the people who are really retiring on cash flow, are usually the people who have 100 200 300 doors or something like that, and they play the law of large numbers. I don't want to play the law of large numbers personally, I want to have really good quality assets and have fewer of them, and really work on having positive cash flow, but having the equity growth that allows me to pull money out tax free and either buy more investments or utilize how I want in my life.    Keith Weinhold  32:16   Exactly. If your property cash flow is $100 a month and it's a single family home. Some people say, Oh, that's awful. You would need 100 of them just to get 10k pass it per month. Now you're thinking wrong, and you're oversimplifying it like to your point, with the 300k home and 5% appreciation, that's 15k in one year, you're building equity that can be borrowed against, tax free, and you're building up that lump sum cash flow windfall down the road, if you will, in real estate pays five ways and cash flow matters, but it's only one of five profit centers and all that. So yes, we're so aligned on that one, appreciation is not just the icing on the cake, it's substantially more than that. Well, I've got something to announce. Adam here is going to co host, along with our own longtime investment coach, Naresh, an upcoming live virtual event. And it's called how to scale your portfolio with tenanted cash flowing new construction properties. And it aligns in every way with the trends that we've been talking about and that Adam and I have been identifying here. The event takes place next week. But first, tell us more about what you and the ray shall be speaking about at the event there. Adam.   Adam Schroeder  33:29    one of the biggest concerns people have about real estate, and one of the things that can eat in your cash flow more than anything, is vacancy. I mean, vacancy can kill your deal whenever it's all said and done, because it's one thing, if you're, you know, break even or $100 a month positive cash flow. But whenever you've got a vacant property and you're negative $1,500 a month, that can hurt, that can hit the wallet. And so what we really love, if you can hit it, is a tenanted property that's new and is in a growing area, yeah, and we've got that thankfully. I mean, we've been able to work some really good relationships with national builders that have allowed us to get into they were doing a lease to purchase option with tenants who wanted to buy their property but didn't have it saved up, and these people didn't exercise their option, but they've renewed their lease so you can come in and buy a property that has them in place. It is a house that they wanted to buy. So how long are they likely to stay? Probably quite a while. They like the school district, they like the neighborhood. They like everything about it. You're coming in, you've got the builder incentives we talked about before, and you're just in a positive cash flow position already. Now we're in Texas, which I was actually funny enough. Earlier, right before this interview, I was reading about the states that are going to grow the most, projected until 2050 and they expect Texas to grow by nearly 9 million people between now and believe it was 2050    Keith Weinhold  34:55   everyone's asking, when is it going to pass? California is the most populous state in the nation.    Adam Schroeder  35:01   Well, it depends how many people. In California are part of that 9 billion we've gotten quite a few of them there. As somebody who lives in Texas, and we're in the big cities too. We're not in the Podunk Texas towns you think about in, you know, east or west Texas. We're talking Houston, Dallas and San Antonio, which are three of the top, I believe, 15 largest cities in the country. We're getting some really good incentives. You can get up to right now, 10% builder incentive. So a $300,000 house, you have $30,000 that you can use. That's massive. Yeah, you can get that money back after closing. We can buy your rate down. And we have some people who have literally taken the whole 10% and put it towards a fixed 30 rate at four and a quarter percent. Wow, they are locking themselves in at four and a quarter. Or we have some people who say, like, we were just talking about cash flow is not a concern for me. I'm going to take half my down payment back, and I'm going to go buy another property, because I'm only in this property for 10% now, and so they're able to be, you know, roughly break even in a good growing area, and they can acquire a second property. So you're buying two properties without mortgage insurance for essentially a 30% total down payment, and you're getting your 10% back if you buy the second property. So it's just really incredible time. Like you said, we haven't seen a time like this before. We were able to get into the wholesale division of these builders and provide these incentives that I've personally never seen before. Some of our reps are buying these homes themselves, so we're putting our money where our mouth is. It's just a great time, especially like you were saying, these homes the inventory, take advantage of the opportunity, right? And there's an opportunity that's presenting itself. And if you look at the long term demographics of Houston, Dallas and San Antonio. It's an arrow pointed up. That's what those areas are.    Keith Weinhold  36:46   100% I mean, it's almost as predictable as anything. There's never a guarantee, but continued population growth and obvious need for housing there is about as close as you can get. That's massive. 10% back, 380k purchase, $38,000 back at the closing table to use in discount point buy downs completely or half on discount point buy downs and half to pocket and use on another property or use on your next vacation or whatever you want to do. That's massive.    Adam Schroeder  37:18   Yeah, it's fantastic. One thing I forgot to mention about Houston. It's one of the things I love that people don't think about has the third most headquarters of fortune 500 companies in the country, behind New York and Chicago. So people don't think about that when they think of Houston. But I love to throw that out there, because it's there. I love Houston. I lived there for seven years. It's where I met Naresh, actually, and would happily move back there again   Keith Weinhold  37:42   right? Houston has moved so far past the monolith of just having oil be the economic driver. So we're talking about tenanted new construction properties in pretty hot markets, Houston, San Antonio and Dallas ready for you to purchase with that 10% builder incentive. And these are in communities that are primarily owner occupied, so they do have that high appreciation potential and that potential for solid rent growth. So on the live event, the webinar that you are invited to attend from the comfort of your own home, what you can do is just learn more about this overall strategy and why the time in the market is right for this. Learn more about those geographic markets themselves and then their drivers, and even see available new build income property. And the benefit of you attending a live is that you can have any of your questions answered right then and there. You can sign up at grewebinars.com, and Adam, before I ask you if you have any last thoughts, that event is next week. It is Thursday, November 13, at 8pm eastern time again, you can sign up. It is free. Space is limited, so that's something that you want to do now at grewebinars.com, any last thoughts? Adam   Adam Schroeder  38:51   yeah, I will just remind people there's always a reason to buy real estate, and there's always there's always a reason not to buy real estate, and depending on which one you subscribe to, you can always find those opportunities, or you can scare yourself off. So, you know, find the right opportunities that are there for you and your investing style and jump in. Because if you look at what's happening right now. When rates start coming down, owner ox are going to jump back in, and that tends to lead to prices going back up. Like Keith said, these are 85% owner occupied areas, and you're setting yourself up for success. And if you do it now, you can always refi later if rates come plummeting down right so find the right areas. Find the reasons to buy and go for it.    Keith Weinhold  39:41   This is a time when builders are really willing to give you a break. Take advantage of it if you possibly can. Adam, it's been great having you here on the show, and our audience looks forward to seeing more of you next week.   Keith Weinhold  40:00   Yeah, some real potential here. I'm rather excited for your future as a listener next week, investors like DSCR loans, since the qualification looks at the property, not you, and see conventional loans are more for owner occupants. They're fine. They work for investors too. But with dscrs, besides their other advantages, they're a check on making sure your property is profitable. It is just your rent divided by your debt service. That's all it is. So for example, with a $1,000 rent and a piti payment, principal, interest, taxes and insurance payment of 800 bucks. Well, then your DSCR is 1.25 Investors love them because there's no personal income verification, no W twos, tax returns, pay stubs. There's no debt to income ratio bar for you to have to clear also conventional loans often cap you at 10 financed properties, and DSCR loans have no such limit, so there's faster underwriting and easier approval. But with dscrs, look out. I mean, there could be some higher fees, and you might have a three to five year prepayment penalty. But buy and hold investors often keep the property that long anyway, so grow your income streams with dscrs, even when the w2 world says no. And notably, dscrs have absolutely nothing to do with job of the hut either. No sluggy concerns there   Keith Weinhold  41:42   if you've wanted a deal on a property today, here you are with these new build incentives that are really good, better than what most builders are giving looks like. Here's your chance. One reason that the builders are giving us a deal is because of the bulk of GRE buyers. This is for you, if you might want one property or 14 properties load up with these up to 10% builder incentives, or just attend the webinar and learn more. We got into the wholesale division of these builders. We got them right where we want them. The properties are typically already tenanted. So plant your flag in the ground, and call this the pivot point. This whole thing could be a bigger deal than the first man to walk on Mars. We'll see, though, no man has walked on Mars yet, but you don't need to wait that long. Take one of your 30,000 days that you've been gifted in this life of yours, the 30,000 days you've been allotted on this earth to win back some of your future finite time. It is next week, Thursday, the 13th, at 8pm Eastern. It's also GRE last event of the year, your last chance, a live, virtual event where you can attend from the comfort of your own home or anywhere. And it's free. Registration is open now. Sign up at gre webinars.com that's gre webinars.com Until next week, I'm your host. Keith Weinhold, don't quit your Daydream.   Unknown Speaker  43:17   Nothing on this show should be considered specific, personal or professional advice, please consult an appropriate tax, legal, real estate, financial or business professional for individualized advice. Opinions of guests are their own. Information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of get rich Education LLC, exclusively you   Keith Weinhold  43:45   The preceding program was brought to you by your home for wealth building, getricheducation.com

Tuvia Blau & Hindy Herman on Let's Get real with Coach Menachem Sunday November 2, 2025 #248Healing the Divide Between Parents and Children:Rebuilding Trust After Pain, Distance, and Silence: Opening a Heartfelt Conversation for Parents and Adult Children to Understand, Heal, and Reconnect Together

Romy Neumark, an Israeli journalist and a lecturer at Harvard, explores the divide within the American Jewish community in the new podcast "My Home Fronts."

In the Central Valley, which is home to a third of the state's Republicans in Congress, the City of Clovis would go from one congressional district to three near the corner of Gettysburg and Sunnyside avenues. Please Like, Comment and Follow 'Philip Teresi on KMJ' on all platforms: --- Philip Teresi on KMJ is available on the KMJNOW app, Apple Podcasts, Spotify, YouTube or wherever else you listen to podcasts. -- Philip Teresi on KMJ Weekdays 2-6 PM Pacific on News/Talk 580 AM & 105.9 FM KMJ | Website | Facebook | Instagram | X | Podcast | Amazon | - Everything KMJ KMJNOW App | Podcasts | Facebook | X | Instagram See omnystudio.com/listener for privacy information.

In the Central Valley, which is home to a third of the state's Republicans in Congress, the City of Clovis would go from one congressional district to three near the corner of Gettysburg and Sunnyside avenues. Please Like, Comment and Follow 'Philip Teresi on KMJ' on all platforms: --- Philip Teresi on KMJ is available on the KMJNOW app, Apple Podcasts, Spotify, YouTube or wherever else you listen to podcasts. -- Philip Teresi on KMJ Weekdays 2-6 PM Pacific on News/Talk 580 AM & 105.9 FM KMJ | Website | Facebook | Instagram | X | Podcast | Amazon | - Everything KMJ KMJNOW App | Podcasts | Facebook | X | Instagram See omnystudio.com/listener for privacy information.

On today's podcast episode, we discuss how much TV streaming is really going on around the world, in which countries radio is holding its own, and short-form video's place in the social media world. Join Senior Director of Podcasts and host, Marcus Johnson, Principal Analyst, Paul Briggs, Vice President of Research, Jennifer Pearson, and Chief Insight Officer at GWI, Jason Mander. Listen everywhere and watch on YouTube and Spotify.   Reports mentioned in this episode: https://content-na1.emarketer.com/global-media-intelligence-report-2025   To learn more about our research and get access to PRO+ go to EMARKETER.com   Follow us on Instagram at: https://www.instagram.com/emarketer/ For sponsorship opportunities contact us: advertising@emarketer.com For more information visit: https://www.emarketer.com/advertise/ Have questions or just want to say hi? Drop us a line at podcast@emarketer.com    For a transcript of this episode click here: https://www.emarketer.com/content/podcast-behind-numbers-digital-lifestyles-everyone-world-how-people-watch-tv-global-divide-more   © 2025 EMARKETER   Consumers skip ads but not rewards. Fetch drives performance with 12.5M+ monthly users and 11.5M+ receipts scanned daily, capturing 88% of household spend. Your brand becomes the reward earning real engagement, verified purchases, and lasting loyalty. Fetch: America's Rewards App. Where brands are the center of joy. Learn more at business.fetch.com.

In this episode of Arts to Hearts, Charuka talks with Delia LaJeunesse about helping people find art that suits their space and values, how social media affects artists, and why collecting can be more meaningful and approachable than most people think.

Continuing in their Gen Z mindset series, Pete and Julie welcome Luke Powers, a recent college graduate who navigated the challenging transition from college intern to career professional in today's competitive job market. Luke shares his journey as a middle child watching his siblings navigate their own career paths, offering a unique perspective on the pressures facing young professionals today.  His journey began with dual enrollment in high school, followed by Northeastern University's innovative co-op program, where he discovered his passion for data analytics and business intelligence.   From securing multiple offers to facing the harsh reality of his chosen offer being rescinded, and how it ultimately led him to landing at E15 Group (part of Compass Group), where he now works on fan experience analytics for the Memphis Grizzlies. His journey illustrates the importance of agility, networking, and resilience in today's evolving workplace. Connect with Luke: LI: https://www.linkedin.com/in/luke-powers1/ About E15 Group: https://www.e15group.com/ Connect with the show: LinkedIn:  http://linkedin.com/company/hr-payroll-2-0 X: @HRPayroll2_0 @PeteTiliakos @JulieFer_HR BlueSky: @hrpayroll2o.bsky.social YouTube: https://www.youtube.com/@HRPAYROLL2_0

It could be an FA Cup Fright Night at the Kenny!

At the 2025 TRACE Annapolis Forum, Gordon McKechnie, Executive President of Canadian Bank Note, explores the evolving dynamics between the U.S. and Canada. As Canada's focus shifts toward Europe and Asia, Gordon discusses changing trade priorities, diverging foreign policies, and the impact of tariffs on both economies.

People with low- to moderate-incomes have less access to credit because they either don't have a credit score or their score is lower than average. Research shows that such individuals tend to use credit with higher borrowing costs, like payday loans, that increase the likelihood of debt, delinquency and bankruptcy. Liz Deichmann of the St. Louis Federal Reserve Bank discusses her research on the credit barrier and what can be done about it. We also hear from two women who struggled with their own credit and were able to get help from local resources.

Dungeon Mistress Lorelei introduces this year's theme. Subscribe for the full two-hour epic adventure: https://www.patreon.com/posts/141843934 https://rockhardcauc.us

Ben Norquist joins us to discuss how Christianity Today, the flagship Evangelical magazine, has been covering Gaza over the last 2 years. The discussion delves into several publications by CT, including its podcast, that have revealed a problematic and dehumanizing attitude toward Palestinian, one that effectively provided a theological cover for the genocide of the Palestinians in Gaza.Purchase your own copy of “Being Christian After the Desolation of Gaza”https://wipfandstock.com/9798385254859/being-christian-after-the-desolation-of-gaza. Use the coupon "DESOLATION40" to get 40% off.Ben Norquist (PhD, Azusa Pacific University) has served as director of grants and academics for Churches for Middle East Peace and as director of the Network of Evangelicals for the Middle East where he helped American Christians pursue holistic peace with their neighbors around the world. He is the co-author of a book coming out about justice and the land called Every Somewhere Sacred: Rescuing a Theology of Place in the American Imagination (InterVarsity Academic, 2026).Become a monthly supporter of Across the Divide on Patreon at https://www.patreon.com/AcrosstheDivide Follow Across the Divide for more on ⁠Instagram⁠ ⁠⁠⁠‪@AcrosstheDividePodcast‬⁠⁠⁠Across the Divide partners with Peace Catalyst International to amplify the pursuit of peace and explore the vital intersection of Christian faith and social justice in Palestine-Israel.#israel #palestine #gaza #christianity #bible #faith #zionism

October 29, 2025Today's Reading: 2 Timothy 4:6-8, 16-18Daily Lectionary: Deuteronomy 31:1-29; Matthew 19:16-30“No one came to stand by me, but all deserted me… But the Lord stood by me and strengthened me, so that through me the message might be fully proclaimed.” (2 Timothy 4:16,17)In the Name + of Jesus. Amen. Even St. Paul felt isolated at times. While standing in court, defending the faith, where were his friends, other pastors, and Christians whom the Holy Spirit brought to faith through his preaching? Anyone who could have been supporting was scattered like the apostles on Holy Thursday. Satan and his minions wanted Paul to feel alone, overwhelmed, cut off from Christ and His Church. Then maybe Paul would lose his strength and will to preach Christ crucified.The devil also wants you to feel isolated. All alone. “Divide and conquer,” the saying goes, and that tends to be the demonic method.Maybe it feels like your friends have deserted you, that they are all having a good time without you while you are stuck home that weekend. Or you are the only one in your class who actually respected the teacher and did the work she assigned. Maybe you are the only one around who is actually remaining chaste and not giving in to the constant daily sexual temptations. You feel alone. No one came to stand by me, but all deserted me.St. Paul reminds you here that all is not lost. Even though he had no other human comfort at that time, he was not alone. But the Lord stood by me and strengthened me. Christ comforted him throughout this trial and hardship. The Lord gave him peace throughout the persecution, with the sure and certain hope of the resurrection that got him through it all.You are not alone either. The Lord blesses you with His comforting and encouraging presence. You are His beyond the shadow of a doubt through Holy Baptism, which bound you to Christ in a way that He will never abandon you. He speaks His Word to you by reading and proclaiming His Scriptures to you. And He nourishes you with His own Body and Blood, so that He dwells inside you!So let the devil rage all he wants. He can taunt and criticize, and suggest doubts to you. But he cannot cut you off from God. Christ will never desert you. You belong to the Lord! The Lord stands by you and strengthens you!  In the Name + of Jesus. Amen.Satan, I defy thee; Death I now decry thee; Fear, I bid thee cease. World, thou shalt not harm me Nor thy threats alarm me While I sing of peace. God's great power Guards every hour; Earth and all its depths adore Him, Silent bow before Him. (LSB 743:3)Rev. Richard Heinz, pastor of Trinity Lutheran Church, Lowell, IN.Audio Reflections Speaker: Pastor Harrison Goodman is the Executive Director of Mission and Theology for Higher Things.Step back in time to the late Reformation and learn about a divisive yet inspirational figure: Matthias Flacius Illyricus. His contributions to Lutheranism still echo in our teachings today, from the Magdeburg Confession to parts of the Lutheran Confessions. Learning about Flacius's life will help you understand more intricacies of the Reformation than ever before.

Greg Brady spoke with Peter Menzies, commentator and consultant on media, a Macdonald-Laurier Institute Senior Fellow, a past publisher of the Calgary Herald, and a former vice chair of the CRTC about PM Carney hoping for a relations reset in meeting with Chinese president. Learn more about your ad choices. Visit megaphone.fm/adchoices

The House Oversight Committee said Joe Biden's autopen pardons are null and void due to his cognitive decline. Chairman Comer released a 100-page report on it. The committee sent a letter to Bondi requesting that the DOJ review its new findings. Senate Democrats have once again turned their backs on America's brave servicemen and women, rejecting for the 13th time a crucial bill that would ensure military paychecks continue flowing and reopen the government. New polling out from Rasmussen shows a massive divide among Americans.Guest: Mark Mitchell - Rasmussen ReportsSponsor:My PillowWww.MyPillow.com/johnSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

In this episode of the Digital HR Leaders Podcast, host David Green is joined once again by Mikael Wornoo, Co-Founder of TechWolf - a company at the forefront of skills intelligence. Bringing fresh insights from the frontlines of AI and workforce strategy, together they explore where leading companies are heading, and what HR needs to do to stay ahead of the curve. From adoption challenges to ethical concerns, in this episode, you can expect to learn more about: How the conversation around AI and skills is shifting—and what's driving the change Why skills-based workforce planning is becoming a business-critical priority The human side of AI: navigating adoption, mindset shifts, and ethical concerns The data and insights HR needs to lead meaningful transformation How to build a fair, skills-powered future—and avoid a “winner-takes-all” dynamic This episode is sponsored by TechWolf. TechWolf helps enterprises get fast, accurate, and actionable skills data—without surveys. From identifying the skills your workforce has to mapping what they need, TechWolf's AI integrates seamlessly with your existing systems to turn messy data into strategic advantage. Learn more at techwolf.com Hosted on Acast. See acast.com/privacy for more information.

Hosts Greg Bluestein and Patricia Murphy break down new results from the AJC–University of Georgia poll showing Donald Trump's support among Republicans holding strong and Democrats still deeply opposed — signs that Georgia's political divide remains firmly in place heading into 2026. Then Patricia shares her reporting from the campaign trail with Democratic gubernatorial candidate Michael Thurmond, who's pitching himself as a “fixer” focused on consensus, competence, and inspiring disillusioned voters. From his sermons in Columbus to his statewide travels, Thurmond is betting that experience and optimism can still win Georgia Democrats back. Have a question or comment for the show? Call or text the 24-hour Politically Georgia Podcast Hotline at 770-810-5297. We'll play back your question and answer it during our next Monday Mailbag segment. You can also email your questions at PoliticallyGeorgia@ajc.com. Listen and subscribe to our podcast for free at Apple Podcasts, Spotify, or wherever you listen to podcasts. Learn more about your ad choices. Visit megaphone.fm/adchoices

This week: Paolo Balboa, NYC's chief digital equity officer, joins the podcast to discuss the main barriers to broadband throughout New York, what's been accomplished so far with the city's Digital Equity Roadmap and more. Hosted on Acast. See acast.com/privacy for more information.

(The Center Square) – With unanimous support, the Spokane City Council set aside ideological divides on Monday, just a week before the election, to replace Mayor Lisa Brown's unenforceable camping ban. The historic vote follows community backlash after the council majority passed the mayor's proposal in June. Much of the business community had argued it didn't have enough teeth and would let habitable offenders get off scot-free, pleading with the council to reinstate another voter-approved camping ban. Support this podcast: https://secure.anedot.com/franklin-news-foundation/ce052532-b1e4-41c4-945c-d7ce2f52c38a?source_code=xxxxxx Read more: https://www.thecentersquare.com/washington/article_a6c50bdd-0425-4c47-a135-e1a25c2c5965.html Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Welcome to Dennis Prager’s Timeless Wisdom. Each Monday through Saturday, you’ll hear some of Dennis’s best lectures, talks, and series—with brief commercial breaks. To get the ad-free version of this podcast, and to access the full library of lectures, talks, and shows, visit dennisprager.com. On Today’s Show: Dennis and liberal talk show host, Thom Hartmann, face off in a debate at the Democratic Convention in Denver. An exciting exchange of ideas between two people who come at public issues from opposite directions, this is a battle royal between two intellectual heavyweights.See omnystudio.com/listener for privacy information.

In this episode, we trace how one global faith became divided between East and West — from the councils of Nicaea, Chalcedon, and Constantinople to the final break in 1054 — and discover what it means to return to the unified, Spirit-led Church Jesus originally envisioned.--The PursueGOD Truth podcast is the “easy button” for making disciples – whether you're looking for resources to lead a family devotional, a small group at church, or a one-on-one mentoring relationship. Join us for new episodes every Tuesday and Friday. Find resources to talk about these episodes at pursueGOD.org.Help others go "full circle" as a follower of Jesus through our 12-week Pursuit series.Click here to learn more about how to use these resources at home, with a small group, or in a one-on-one discipleship relationship.Got questions or want to leave a note? Email us at podcast@pursueGOD.org.Donate Now --Last week, we ended with a coronation that changed history.In 800 A.D., Pope Leo III placed a crown on the head of Charlemagne, declaring him “Emperor of the Romans.” It was the rebirth of a Christian Rome — what we now call the Holy Roman Empire.It seemed like a moment of triumph for the Church, but it came with a cost.That act blurred the line between heaven and earth — between spiritual authority and political control. The pope gained protection. Charlemagne gained divine legitimacy. But the partnership that promised unity in the West sent shockwaves through the East.In Constantinople, Christian leaders looked on in disbelief. The Eastern emperor was already the rightful heir of Rome — so who gave a Western pope the right to crown another? It was more than a political power play; it was the outworking of deeper cracks that had been forming for centuries.So before we move forward to the Great Schism of 1054, we're going to back up — to the early councils of the Church, when East and West still sat at the same table.We'll see how questions about who Jesus is, who leads the Church, and how truth is defined began to pull believers in different directions long before anyone realized the family was breaking apart.From One Empire to Two WorldsWhen Emperor Constantine moved the capital of the Roman Empire to Constantinople in 330 A.D., the center of gravity in the Christian world began to shift. Rome was still revered as the old seat of power, but Constantinople — “New Rome” — quickly became the heart of a thriving, educated, and deeply spiritual East.In the West, life revolved around survival. As the empire crumbled under invasions and chaos, the Church became the glue that held society together. Latin was the common language, law and order were prized, and the bishop of Rome — later known as the pope — grew in influence as emperors disappeared. By the time Rome finally fell in 476 A.D., it was the Church, not the state, that provided leadership and stability.In the East, the story looked very different. The Byzantine Empire remained strong and sophisticated, speaking Greek, preserving classical learning, and weaving theology into every part of public life. The emperor saw himself not just as a ruler, but as a protector of the...

Pastor Jeremy continues his in-depth study through Matthew—this week: what made a coven of pagan Magi act so wisely—and an Idumean king so wickedly—concerning a baby? Here’s the story…

In this episode, we trace how one global faith became divided between East and West — from the councils of Nicaea, Chalcedon, and Constantinople to the final break in 1054 — and discover what it means to return to the unified, Spirit-led Church Jesus originally envisioned.--The PursueGOD Truth podcast is the “easy button” for making disciples – whether you're looking for resources to lead a family devotional, a small group at church, or a one-on-one mentoring relationship. Join us for new episodes every Tuesday and Friday. Find resources to talk about these episodes at pursueGOD.org.Help others go "full circle" as a follower of Jesus through our 12-week Pursuit series.Click here to learn more about how to use these resources at home, with a small group, or in a one-on-one discipleship relationship.Got questions or want to leave a note? Email us at podcast@pursueGOD.org.Donate Now --Last week, we ended with a coronation that changed history.In 800 A.D., Pope Leo III placed a crown on the head of Charlemagne, declaring him “Emperor of the Romans.” It was the rebirth of a Christian Rome — what we now call the Holy Roman Empire.It seemed like a moment of triumph for the Church, but it came with a cost.That act blurred the line between heaven and earth — between spiritual authority and political control. The pope gained protection. Charlemagne gained divine legitimacy. But the partnership that promised unity in the West sent shockwaves through the East.In Constantinople, Christian leaders looked on in disbelief. The Eastern emperor was already the rightful heir of Rome — so who gave a Western pope the right to crown another? It was more than a political power play; it was the outworking of deeper cracks that had been forming for centuries.So before we move forward to the Great Schism of 1054, we're going to back up — to the early councils of the Church, when East and West still sat at the same table.We'll see how questions about who Jesus is, who leads the Church, and how truth is defined began to pull believers in different directions long before anyone realized the family was breaking apart.From One Empire to Two WorldsWhen Emperor Constantine moved the capital of the Roman Empire to Constantinople in 330 A.D., the center of gravity in the Christian world began to shift. Rome was still revered as the old seat of power, but Constantinople — “New Rome” — quickly became the heart of a thriving, educated, and deeply spiritual East.In the West, life revolved around survival. As the empire crumbled under invasions and chaos, the Church became the glue that held society together. Latin was the common language, law and order were prized, and the bishop of Rome — later known as the pope — grew in influence as emperors disappeared. By the time Rome finally fell in 476 A.D., it was the Church, not the state, that provided leadership and stability.In the East, the story looked very different. The Byzantine Empire remained strong and sophisticated, speaking Greek, preserving classical learning, and weaving theology into every part of public life. The emperor saw himself not just as a ruler, but as a protector of the...

The brothers are in the final 10 episodes of the show, so it's time for a topic they've wanted to do for years: their dream book-to-game adaptations. The Witcher and Metro show that literature can make a successful leap to gaming, so what books should developers adapt next? Jake and Sam run down their favorite science-fiction, fantasy, and dystopian worlds ripe for the interactive treatment. Then they catch up on the four weeks of news they missed! Timecodes: 00:00:00 - Intro/Housekeeping | 00:05:20 - Main Topic: Our Dream Book-to-Game Adaptations (See Below for the List) | 1:03:27 - Four Weeks of News in 15 Minutes (Ubisoft's Canceled Post-Civil War Assassin's Creed Game; EA Acquired for $55 Billion by Saudi Arabia and Private Investors; Xbox Price Increases; Forza Horizon 6 Announced; State of Play Shows Saros and Wolverine) | 1:18:50 - Rotating Segment: Handheld Highlight (Kingdom Hearts 358/2 Days) | 1:23:00 - Draft Day Starring Kevin Costner (Arc Raiders, Indiana Jones and the Great Circle: The Order of Giants, Silent Hill f, Ninja Gaiden 4, Pokemon Legends Z-A, Consume Me, Ghost of Yōtei, Absolum, BALL x PIT, Keeper) | 1:24:39 - Game, Watch, Listen (GAMES: Resident Evil Village, Metal Gear Solid Delta: Snake Eater | MOVIES: One Battle After Another, Tron: Ares | TV: Task | MUSIC: Redveil & Smino - Brown Sugar, Geese - Getting Killed, The Last Dinner Party - From The Pyre, Amber Mark - Pretty Idea) Shoutout to Mizuki Kuroiwa for the incredible podcast artwork and to Thomniverse Remix for the music. Send any questions, comments, or concerns to thesupermosherbrothersshow@gmail.com. Thanks for listening! Books Discussed: “Gone” series by Michael Grant, “The Book of Koli” series by Mike Carey, “Dark Matter” by Blake Crouch, “The Divide” series by J.S. Dewes, “Red Rising” series by Pierce Brown, “The Daevabad Trilogy” by S.A. Chakraborty, “Six of Crows” by Leigh Bardugo, “Sea of Tranquility” by Emily St. John Mandel

Este fin de semana estoy acompañando a mi cuñada en una de las carreras más exigentes que existen: los 100 kilómetros del Javelina Jundred @javelinajundredElla está corriendo los 100K completos, y yo tengo el honor de ser su pacer,acompañándola en los últimos 33 kilómetros.Y mientras la veía prepararse, entrenando durante meses,alimentándose con disciplina,mentalizándose para resistir el desierto y el cansancio, pensé:

Jack Wilshere picked up his first three points as Luton manager on Saturday afternoon as his side won 1-0 against Northampton Town at Sixfields. A thoroughly happy Kev is joined as ever by The Lutonian journalist James Cunliffe to look back on a really positive few days on and off the pitch. The boys begin the podcast by chatting through their experiences at the recently held content creators day and the impact it had not just on them both but also the potential good it can do all around. And if you missed them, here are our interviews with:  ⚽️ Gary Sweet: https://youtu.be/0s1oMYuSzzk  ⚽️  Jack Wilshere: https://youtu.be/Pz5sK24IGpA?si=OJQ4J8d0qXY5UoYi ⚽️ Chris Powell: https://youtu.be/fQBq9PPXMSE Look out for the remaining 3 videos, which will be out between October 27-29. The chaps then turn the attention to the game itself, a much more positive performance which included so much to like at both ends of the pitch. All this and so much more, including a touch on the bigger picture, a look at the Brighton Under-21s game on Tuesday and the final chance to win a prize in our competition, on the longest-running, award-winning Luton Town podcast! *********COMPETITION

Even in the face of fear and uncertainty, God is by your side as you walk toward His calling. We see that through the life of Gideon, a man from the smallest clan and the least in his family, yet led by God to do great things on His behalf. Notes: Focus verse - Judges 6 It seems like our culture has been turned upside down. Isaiah 5:20–21Destruction is certain for those who say that evil is good and good is evil; that dark is light and light is dark; that bitter is sweet and sweet is bitter. When culture is upside down, hearts are anxious. 84% of Gen Z say they feel anxious or stressed regularly. 1 in 3 adults say they lose sleep over finances. Nearly 70% of Americans say the future makes them afraid. Top fears include failure, rejection, loneliness, global conflict, and health. We will look at a man named Gideon who was really afraid when Jesus came to him.He was hiding from his enemies, the Midianites. Jesus turns fearful into faithful,hiding into fighting, andpanic into purpose. Things were really turned upside down in the days of the book of Judges. Judges 17:6 (NLT)In those days Israel had no king; so the people did whatever seemed right in their own eyes. God raised up 13 judges to guide His people through this difficult time. The book of Joshua is the story of conquest.While Judges is a book of unbelief and disobedience. Joshua is a book about people uniting around one man to lead them, JoshuaJudges is about “everyone doing what was right in their own eyes.” But whatever and wherever the time, Jesus will show up. Don’t just pray when you are in crisis.Remember also to thank God when things are going well. James 5:13 (NIV)Is anyone among you in trouble? Let them pray.Is anyone happy? Let them sing songs of praise. This was a time of crisis for Israel. It was the year 1256 b.c.Approximately 200 years had passed since Joshua had led the Israelites. They did not drive all the Canaanites out and they lived to regret it.The same can be true in our lives as Christians. 200 years later the Canaanites regained strength and began to dominate the Israelites. As Judges, chapter 6 opens, we see the Israelites living under the power of the Midianites. Israel was living in despair, and finally they called out to God to deliver them,and Jesus shows up. Jesus meets fearful people where they hide. As our story begins, we find Gideon hiding from his enemies.Hardly a picture of heroism and courage. Read Judges 6:11–14 Gideon wanted to know why this difficulty was happening.He had heard about the “good old days” but where was God now? Judges 6:13“Sir,” Gideon replied, “if the Lord is with us, why has all this happened to us? “ The Christian life is full of difficult questions. 1 Corinthians 13:12“Now we see things imperfectly, like puzzling reflections in a mirror, but then we will see everything with perfect clarity. All that I know now is partial and incomplete, but then I will know everything completely.” So often we are looking for an answer to the why question when it is about a Who.As in, “Who do I turn to?” The answer to that question is Jesus. This was not a mere angel (as powerful as they are) this was Jesus. Why is this a Christophany instead an angelic appearance? The speaker at first is called, “The angel of the Lord.”But then the narrative shifts and simply calls Him, “The LORD (YHWH).” The messenger says, “I am sending you.”Judges 6:14 He uses the first-person pronoun and assumes divine authority. Gideon realizes he has seen God. Judges 6:22When Gideon realized that it was the angel of the Lord, he cried out, “Oh Sovereign Lord, I’m doomed! I have seen the angel of the Lord face to face!” Judges 6:15 (NLT)"But Lord," Gideon replied, "how can I rescue Israel? My clan is the weakest in the whole tribe of Manasseh, and I am the least in my entire family!" Another translation says, “I am the runt of the litter!” God uses people who are humble. They are not proud and arrogant but see themselves for what they are. Giving hope to all the people out there who were not extraordinary but ordinary. God can do extraordinary things through ordinary people. God saw Gideon for what he would become. Gideon asks, “Who am I?”The Lord says, “That’s not the issue, ‘Who am I?’ for I will be with you!”Judges 6:15–16 The Lord calls Gideon a mighty hero. Judges 6:12The angel of the Lord appeared to him and said, “Mighty hero, the Lord is with you!” We see failure, God sees potential.We see a vacillating, unsure Simon, God sees a rock like Peter. Before public victory, obey God at home. God’s first test for Gideon was in his home. Some people set the world on fire, while others are still looking for a match. I would rather try and fail than never try at all. Nicodemus had a weak beginning, but he had a strong ending.Better that than a strong beginning and a weak finish. Under cover of night, Gideon tore down the alter his father had erected. Instead of turning on his son, the father defends himand seems to have his own faith rekindled. Don’t give up on your family. You don’t need to preach sermons to them all day long.You need to show it by the way you live and decisions you make. You need to take a stand in your home. Are you reading scripture to your children? Are you praying with them?Are you taking them to church every Sunday? A survey was done that found if the mother and father attend church regularly,72 % of their children will also attend regularly when they’re young adults. When only the father attends, 55 % will remain faithful. But if only the mother attends regularly, only 15 % of the children will remain faithful. If neither mother nor father attend regularly, only 6 % will remain faithful. Gideon was able to rally 32,000 men. Read Judges 7:2–3 Fear is contagious. The Christian life is not a playground, it’s a battleground. Is there something frightening you right now? Jesus said, “Do not be afraid, only believe.” David said, “The Lord is my light and my salvation whom shall I fear?The Lord is the strength of my life, of whom then shall I be afraid?Psalm 27:1 Isaiah 41:10Fear not, for I am with you, be not dismayed, for I am your God.I will strengthen you, yes, I will help you, I will uphold you with my righteous right hand. Proverbs 3:24–25You can sleep without fear; you need not be afraid of disaster or the plots of wicked men, for the Lord is with you. He protects you. Gideon lost two-thirds of his army. There is always God’s part and our part. The Red Sea parted but Israel still had to march through. The walls of Jericho fell but Israel still had to march around them. The giant Goliath fell but David still had to attack. 2 Chronicles 20:12O our God, won't you stop them? We are powerless against this mighty army that is about to attack us. We do not know what to do, but our eyes are upon You." The Lord told Gideon, “You still have too many warriors.” “Divide the men into two groups. The ones who just plant their face in the water without caution, leave them.” The lappers could have easily been ambushed and killed. The cuppers were alert, watching, and cautious. God gave Gideon the battle plan. No swords, knives, spears, or any kind of weapon, just clay jars and torches. The Midianites think it is some kind of ambush and they freak out.They begin to kill each other and the Israelites watch in amazement. The enemy was defeated because God’s people called on Him. Gideon’s army won a crushing victory over the Midianites. Ephesians 6:12For we are not fighting against people made of flesh and blood,but against the evil rulers and authorities of the unseen world, against those mighty powers of darkness who rule this world, and against wicked spirits in the heavenly realms. There is no way we can impact our culture with the gospel without His help. So, we call on God and say, “If You don’t come through, there is no hope.” 2 Corinthians 12:9–10“My gracious favor is all you need. My power works best in your weakness.” So now I am glad to boast about my weaknesses, so that the power of Christ may work through me. Since I know it is all for Christ’s good. Paul concludes, “I am quite content with my weaknesses and with insults, hardships, persecutions, and calamities. For when I am weak, then I am strong!” It is not easy being a Christian in today’s culture.You will be criticized, mocked, slandered, possibly even killed. God imposed this test to get rid of the half-hearted people. God can do more with 300 committed people than 10,000 half-hearted. God is looking for faithful, obedient, watchful servants to change this world. “Give me 100 men who love God with all of their hearts and fear nothing but sin, and I will move the world!”—John Wesley Acts 17:6“Paul and Silas have turned the rest of the world upside down,and now they are here disturbing our city," they shouted. The Lord is looking for some men and women who will “blow the trumpet,”and take some chances and obey God, taking a stand first in their own homes. God can turn zeros into heros, fear into faith, hiding into fighting, and panic into purpose. Mark 5:36Don’t be afraid; only believe. Looking for hope or know someone who is? Join Greg Laurie at the Harvest Crusade: Hope for America on November 16! Get event information here. — Become a Harvest Partner today and join us in knowing God and making Him known through media and large-scale evangelism, our mission of over 30 years. Explore more resources from Pastor Greg Laurie, including daily devotionals and blogs, designed to answer your spiritual questions and equip you to walk closely with Christ.Support the show: https://bit.ly/anbsupportSee omnystudio.com/listener for privacy information.

Former Biden White House Press Secretary Karine Jean-Pierre's new tell-all book, “Independent”, has created an even further divide among the Democrats. Jean-Pierre has split from the party after criticizing their disloyalty to former President Biden and accusing many members of not fighting hard enough against President Trump. Former Chief of Staff and Advisor to the Biden White House Press Office, Yemisi Egbewole, joins to discuss her two years as Jean-Pierre's chief of staff, why the party is in ‘disarray', and why the Democrats continue have mixed feelings about popular New York City mayoral candidate Zohran Mamdani. Later, Senator Roger Marshall (R-Kan.) , who is a physician, weighs in on the ongoing debate over ‘Obamacare' subsidies, and offers his ideas on how to lower healthcare prices. Learn more about your ad choices. Visit podcastchoices.com/adchoices

Even in the face of fear and uncertainty, God is by your side as you walk toward His calling. We see that through the life of Gideon, a man from the smallest clan and the least in his family, yet led by God to do great things on His behalf. Notes: Focus verse - Judges 6 It seems like our culture has been turned upside down. Isaiah 5:20–21Destruction is certain for those who say that evil is good and good is evil; that dark is light and light is dark; that bitter is sweet and sweet is bitter. When culture is upside down, hearts are anxious. 84% of Gen Z say they feel anxious or stressed regularly. 1 in 3 adults say they lose sleep over finances. Nearly 70% of Americans say the future makes them afraid. Top fears include failure, rejection, loneliness, global conflict, and health. We will look at a man named Gideon who was really afraid when Jesus came to him.He was hiding from his enemies, the Midianites. Jesus turns fearful into faithful,hiding into fighting, andpanic into purpose. Things were really turned upside down in the days of the book of Judges. Judges 17:6 (NLT)In those days Israel had no king; so the people did whatever seemed right in their own eyes. God raised up 13 judges to guide His people through this difficult time. The book of Joshua is the story of conquest.While Judges is a book of unbelief and disobedience. Joshua is a book about people uniting around one man to lead them, JoshuaJudges is about “everyone doing what was right in their own eyes.” But whatever and wherever the time, Jesus will show up. Don’t just pray when you are in crisis.Remember also to thank God when things are going well. James 5:13 (NIV)Is anyone among you in trouble? Let them pray.Is anyone happy? Let them sing songs of praise. This was a time of crisis for Israel. It was the year 1256 b.c.Approximately 200 years had passed since Joshua had led the Israelites. They did not drive all the Canaanites out and they lived to regret it.The same can be true in our lives as Christians. 200 years later the Canaanites regained strength and began to dominate the Israelites. As Judges, chapter 6 opens, we see the Israelites living under the power of the Midianites. Israel was living in despair, and finally they called out to God to deliver them,and Jesus shows up. Jesus meets fearful people where they hide. As our story begins, we find Gideon hiding from his enemies.Hardly a picture of heroism and courage. Read Judges 6:11–14 Gideon wanted to know why this difficulty was happening.He had heard about the “good old days” but where was God now? Judges 6:13“Sir,” Gideon replied, “if the Lord is with us, why has all this happened to us? “ The Christian life is full of difficult questions. 1 Corinthians 13:12“Now we see things imperfectly, like puzzling reflections in a mirror, but then we will see everything with perfect clarity. All that I know now is partial and incomplete, but then I will know everything completely.” So often we are looking for an answer to the why question when it is about a Who.As in, “Who do I turn to?” The answer to that question is Jesus. This was not a mere angel (as powerful as they are) this was Jesus. Why is this a Christophany instead an angelic appearance? The speaker at first is called, “The angel of the Lord.”But then the narrative shifts and simply calls Him, “The LORD (YHWH).” The messenger says, “I am sending you.”Judges 6:14 He uses the first-person pronoun and assumes divine authority. Gideon realizes he has seen God. Judges 6:22When Gideon realized that it was the angel of the Lord, he cried out, “Oh Sovereign Lord, I’m doomed! I have seen the angel of the Lord face to face!” Judges 6:15 (NLT)"But Lord," Gideon replied, "how can I rescue Israel? My clan is the weakest in the whole tribe of Manasseh, and I am the least in my entire family!" Another translation says, “I am the runt of the litter!” God uses people who are humble. They are not proud and arrogant but see themselves for what they are. Giving hope to all the people out there who were not extraordinary but ordinary. God can do extraordinary things through ordinary people. God saw Gideon for what he would become. Gideon asks, “Who am I?”The Lord says, “That’s not the issue, ‘Who am I?’ for I will be with you!”Judges 6:15–16 The Lord calls Gideon a mighty hero. Judges 6:12The angel of the Lord appeared to him and said, “Mighty hero, the Lord is with you!” We see failure, God sees potential.We see a vacillating, unsure Simon, God sees a rock like Peter. Before public victory, obey God at home. God’s first test for Gideon was in his home. Some people set the world on fire, while others are still looking for a match. I would rather try and fail than never try at all. Nicodemus had a weak beginning, but he had a strong ending.Better that than a strong beginning and a weak finish. Under cover of night, Gideon tore down the alter his father had erected. Instead of turning on his son, the father defends himand seems to have his own faith rekindled. Don’t give up on your family. You don’t need to preach sermons to them all day long.You need to show it by the way you live and decisions you make. You need to take a stand in your home. Are you reading scripture to your children? Are you praying with them?Are you taking them to church every Sunday? A survey was done that found if the mother and father attend church regularly,72 % of their children will also attend regularly when they’re young adults. When only the father attends, 55 % will remain faithful. But if only the mother attends regularly, only 15 % of the children will remain faithful. If neither mother nor father attend regularly, only 6 % will remain faithful. Gideon was able to rally 32,000 men. Read Judges 7:2–3 Fear is contagious. The Christian life is not a playground, it’s a battleground. Is there something frightening you right now? Jesus said, “Do not be afraid, only believe.” David said, “The Lord is my light and my salvation whom shall I fear?The Lord is the strength of my life, of whom then shall I be afraid?Psalm 27:1 Isaiah 41:10Fear not, for I am with you, be not dismayed, for I am your God.I will strengthen you, yes, I will help you, I will uphold you with my righteous right hand. Proverbs 3:24–25You can sleep without fear; you need not be afraid of disaster or the plots of wicked men, for the Lord is with you. He protects you. Gideon lost two-thirds of his army. There is always God’s part and our part. The Red Sea parted but Israel still had to march through. The walls of Jericho fell but Israel still had to march around them. The giant Goliath fell but David still had to attack. 2 Chronicles 20:12O our God, won't you stop them? We are powerless against this mighty army that is about to attack us. We do not know what to do, but our eyes are upon You." The Lord told Gideon, “You still have too many warriors.” “Divide the men into two groups. The ones who just plant their face in the water without caution, leave them.” The lappers could have easily been ambushed and killed. The cuppers were alert, watching, and cautious. God gave Gideon the battle plan. No swords, knives, spears, or any kind of weapon, just clay jars and torches. The Midianites think it is some kind of ambush and they freak out.They begin to kill each other and the Israelites watch in amazement. The enemy was defeated because God’s people called on Him. Gideon’s army won a crushing victory over the Midianites. Ephesians 6:12For we are not fighting against people made of flesh and blood,but against the evil rulers and authorities of the unseen world, against those mighty powers of darkness who rule this world, and against wicked spirits in the heavenly realms. There is no way we can impact our culture with the gospel without His help. So, we call on God and say, “If You don’t come through, there is no hope.” 2 Corinthians 12:9–10“My gracious favor is all you need. My power works best in your weakness.” So now I am glad to boast about my weaknesses, so that the power of Christ may work through me. Since I know it is all for Christ’s good. Paul concludes, “I am quite content with my weaknesses and with insults, hardships, persecutions, and calamities. For when I am weak, then I am strong!” It is not easy being a Christian in today’s culture.You will be criticized, mocked, slandered, possibly even killed. God imposed this test to get rid of the half-hearted people. God can do more with 300 committed people than 10,000 half-hearted. God is looking for faithful, obedient, watchful servants to change this world. “Give me 100 men who love God with all of their hearts and fear nothing but sin, and I will move the world!”—John Wesley Acts 17:6“Paul and Silas have turned the rest of the world upside down,and now they are here disturbing our city," they shouted. The Lord is looking for some men and women who will “blow the trumpet,”and take some chances and obey God, taking a stand first in their own homes. God can turn zeros into heros, fear into faith, hiding into fighting, and panic into purpose. Mark 5:36Don’t be afraid; only believe. Looking for hope or know someone who is? Join Greg Laurie at the Harvest Crusade: Hope for America on November 16! Get event information here. — Become a Harvest Partner today and join us in knowing God and making Him known through media and large-scale evangelism, our mission of over 30 years. Explore more resources from Pastor Greg Laurie, including daily devotionals and blogs, designed to answer your spiritual questions and equip you to walk closely with Christ.Support the show: https://bit.ly/anbsupportSee omnystudio.com/listener for privacy information.

Jake and I discuss the civil war happening in the conservative party.  - Taken from Episode 419 of Something For Everybody  Episode 419: https://everybodyspod.com/union/ - Shop For Everybody  Use code SFE10 for 10% OFF

One of Pastor Jay’s most important messages: there are always people who don’t get along, and Christians are no exception—like Euodia and Syntyche. But with Christians, there’s a cure—one the devil wants us to forget. It’s time we remembered—because the Christian joy is also found there…

Former Biden White House Press Secretary Karine Jean-Pierre's new tell-all book, “Independent”, has created an even further divide among the Democrats. Jean-Pierre has split from the party after criticizing their disloyalty to former President Biden and accusing many members of not fighting hard enough against President Trump. Former Chief of Staff and Advisor to the Biden White House Press Office, Yemisi Egbewole, joins to discuss her two years as Jean-Pierre's chief of staff, why the party is in ‘disarray', and why the Democrats continue have mixed feelings about popular New York City mayoral candidate Zohran Mamdani. Later, Senator Roger Marshall (R-Kan.) , who is a physician, weighs in on the ongoing debate over ‘Obamacare' subsidies, and offers his ideas on how to lower healthcare prices. Learn more about your ad choices. Visit podcastchoices.com/adchoices

Former Biden White House Press Secretary Karine Jean-Pierre's new tell-all book, “Independent”, has created an even further divide among the Democrats. Jean-Pierre has split from the party after criticizing their disloyalty to former President Biden and accusing many members of not fighting hard enough against President Trump. Former Chief of Staff and Advisor to the Biden White House Press Office, Yemisi Egbewole, joins to discuss her two years as Jean-Pierre's chief of staff, why the party is in ‘disarray', and why the Democrats continue have mixed feelings about popular New York City mayoral candidate Zohran Mamdani. Later, Senator Roger Marshall (R-Kan.) , who is a physician, weighs in on the ongoing debate over ‘Obamacare' subsidies, and offers his ideas on how to lower healthcare prices. Learn more about your ad choices. Visit podcastchoices.com/adchoices

A powerful conversation on democracy, media, and talking across political lines.. The Daily Whatever Show's Dana Dubois & Lawrence Winner hosts Egberto Willies for a talk on empathy and activism.Subscribe to our Newsletter:https://politicsdoneright.com/newsletterPurchase our Books: As I See It: https://amzn.to/3XpvW5o How To Make AmericaUtopia: https://amzn.to/3VKVFnG It's Worth It: https://amzn.to/3VFByXP Lose Weight And BeFit Now: https://amzn.to/3xiQK3K Tribulations of anAfro-Latino Caribbean man: https://amzn.to/4c09rbE

Audio, eng_t_norav_2025-10-25_lesson_zohar-la-am-hakdama-biur-clali-lemitzvot_n1_p3. Lesson_part :: Daily_lesson 1 :: Lessons_series. Zohar for All. Introduction of The Book of Zohar

They Vanished on the CONTINENTAL DIVIDEBecome a supporter of this podcast: https://www.spreaker.com/podcast/missing-persons-mysteries--5624803/support.

Video, eng_t_norav_2025-10-25_lesson_zohar-la-am-hakdama-biur-clali-lemitzvot_n1_p3. Lesson_part :: Daily_lesson 1 :: Lessons_series. Zohar for All. Introduction of The Book of Zohar

Zohar for All. Introduction of The Book of Zohar. General Explanation for All Fourteen Commandments and How They Divide into the Seven Days of Creation

Audio, eng_t_norav_2025-10-25_lesson_zohar-la-am-hakdama-biur-clali-lemitzvot_n1_p3. Lesson_part :: Daily_lesson 1 :: Lessons_series. Zohar for All. Introduction of The Book of Zohar

As the energy of Samhain builds, nature provides a beautiful illustration of transformation in action. What begins with a riotous display of color, quickly turns into a demonstration of letting go. Life and growth and death and decay live side by side. We are born for change, yet we resist the transformation. What old stories are you playing on repeat? What messages do you believe that no longer serve you and your expansion? Samhain is a time to bravely look at these stories and transform them into something new. It is possible to rewire beliefs, but we much choose to make this part of our practice again and again. As the rain pitter patters overhead, consider the internal story that you need to rewrite this season. What am I reading?The Women of Wild Hill by Kirsten Miller https://bookshop.org/a/111301/9780063282858The Moon Apothecary: Rituals and Recipes for the Lunar Phases  by Lorriane Andersonhttps://bookshop.org/a/111301/9781925946802https://bookshop.org/shop/witchywomanwalkingWhat's playing on repeat?High Priestess by Qveen Herby What's for dinner?Autumn Grain Bowls 2 cups cooked wild rice (see Recipe Notes)2 cups cooked quinoa (see Recipe Notes)1-2 cups shredded Rotisserie chicken1 large sweet potato, diced into ½-inch cubes1 tablespoon olive o2 teaspoons chili powder1 teaspoon ground cumin1 teaspoon ground cinnamon½ teaspoon kosher salt1 bunch kale, destemmed and finely chopped1 large apple, diced into ½-inch cubes1 small red onion, finely diced½ cup chopped walnuts or pecans½ cup shredded smoked gouda or sharp white cheddarfor the Cinnamon Maple Balsamic Vinaigrette:½ cup extra virgin olive oil¼ cup good aged balsamic vinegar1 ½ tablespoons pure maple syrup1 clove garlicheaping ½ teaspoon ground cinnamon½ teaspoon kosher salt½ teaspoon ground black pepperheaping ½ teaspoon finely chopped fresh rosemaryheaping ½ teaspoon finely chopped fresh thymehttps://playswellwithbutter.com/autumn-grain-bowls/print/12654/Cookie Butter Chai Tea LatteIngredients:2 chai tea bags1 cup boiling waterice for servingMilk of choice Brown Sugar Syrup:4 tbsp lightly packed brown sugar1/2 tsp ground cinnamon6 tbsp water1 tsp vanilla extractInstructions:In a mason jar or mug, add the tea bags and water and let steep about 10 minutes.In a small frying pan or pot on the stove, add the syrup ingredients and heat on medium-high, whisking to combine. Once it starts simmering, lower the heat to medium-low and simmer about 3-5 minutes, stirring frequently, until sugar has completely dissolved and syrup has thickened just slightly. Remove from the heat and set aside.To the hot tea, add 2 tbsp of brown sugar syrup and stir until combined.Fill your serving glasses 3/4 full with ice. Divide the chai tea mixture between the glasses, then top with milk. Enjoy!Support the show

Fiction, Fiction and Arts - Definitely Human

Tucked deep in the Elk Mountains, Crested Butte is a colorful mountain town with serious backcountry charm — and in this episode, we're taking you just beyond the pavement to explore its best alpine loops.  

Audio, eng_t_norav_2025-10-24_lesson_zohar-la-am-hakdama-biur-clali-lemitzvot_n1_p3. Lesson_part :: Daily_lesson 1 :: Lessons_series. Zohar for All. Introduction of The Book of Zohar

In this heartfelt episode, Dr. Brendan McCarthy dives deep into why women are turning away from conventional medicine and seeking care in alternative spaces. He explores the growing Make America Healthy Again (MAHA) and Make America Medical Again (MAMA) movements, sharing his perspective as a naturopathic medical doctor trained in both conventional and integrative medicine. Dr. McCarthy discusses empathy in healthcare, accountability to patients, and the importance of bridging the gap between modern medicine and natural approaches. This episode is an honest look at what real medicine should feel like—human, compassionate, and deeply connected.  

Te compartimos la meditación del día tomada de Para más recursos para encontrarte con Dios en la oración, visita nuestra página web www.meditaciondeldia.com, nuestra tienda www.meditaciondeldia.com/tienda/ o síguenos en Instagram @meditaciondeldia_ y compártenos tu opinión!Conviértete en donante de Meditación del Día en este enlace: https://bit.ly/DonarMdD María Reina de los Apóstoles, ¡enséñanos a orar!Este podcast es parte de JuanDiegoNetwork.com¡Gracias por escucharnos!

We continue "If You Can Keep It," our series to get historic context about this moment in presidential politics; political scientist Seth Masket from the University of Denver joins us. Then, a Denver man hopes to create a brand for unity in America to show people are less divided than it seems. Later, will Halloween be a trick or a treat this year? It's just one thing we ask Denver7 chief meteorologist Lisa Hidalgo in our monthly weather and climate chat. And the Museum of Contemporary Art's new director talks about elevating local artists and his vision for the Denver institution.

SaVon and Alex return with transparency and laughs as they open with Patreon updates, community member shoutouts, and the winner of the AirPods Max giveaway. Next, the crew fields Patreon questions—starting with their first heartbreaks and how love, therapy, and R&B shaped them (10:41)—then debate whether it hurts more when an ex gets married or has a baby (14:56). Holiday talk follows as Alex plans to channel 50 Cent for Halloween while SaVon reminisces on rapper costumes gone wrong (19:26). The conversation shifts to Tony Yayo and Memphis Bleek and how loyalty looks different under 50 Cent and Jay-Z (26:26) before a spirited Fabolous vs Lloyd Banks debate over bars, mixtapes, and longevity (34:30). The crew then honors the late D'Angelo with reflections on artistry and Black men's health (43:41) and closes by dissecting the viral Marc Lamont Hill vs QueenzFlip moment on The Joe Budden Podcast—arguing that authentic tension and intellect can coexist in modern Black media (51:21). Subscribe to our Patreon for EARLY & EXCLUSIVE access to ad-free episode visuals with music included, exclusive episodes each and every Tuesday, and much more! - www.patreon.com/NeedToKnowPodcast Book your next podcast recording at Need to Know Studios TODAY - https://needtoknowstudios.com/ Join our Twitter/X Community to chop it up with us about all things Need to Know - https://twitter.com/i/communities/1777442897001910433 The Need To Know Podcast Social Handles https://www.instagram.com/needtoknowpod/ https://twitter.com/NeedToKnowPod https://www.tiktok.com/needtoknowpod SaVon https://www.instagram.com/savonslvter/ https://twitter.com/SavonSlvter Alex https://www.instagram.com/balltillwefall/ https://twitter.com/balltillwefall

Moon Duchin is a math professor at the University of Chicago whose theoretical work has practical applications for voting and democracy. Why is striving for fair elections so difficult? SOURCES:Moon Duchin, professor of mathematics at Cornell University. RESOURCES:"Gerrymandering: The Origin Story," by Neely Tucker (Timeless: Stories from the Library of Congress, 2024)."Redistricting for Proportionality," by Gabe Schoenbach and Moon Duchin (The Forum, 2023)."The Atlas Of Redistricting," by Aaron Bycoffe, Ella Koeze, David Wasserman, and Julia Wolfe (FiveThirtyEight, 2018)."In a Comically Drawn Pennsylvania District, the Voters Are Not Amused," by Trip Gabriel (The New York Times, 2018). EXTRAS:"State of Texas to begin calling witnesses in federal hearing over Trump-backed congressional map," by Blaise Gainey (KUT News, 2025)."Utah's Redistricting Battle Explained," (PBS Utah, 2025)."Is This the Future of High School?" by People I (Mostly) Admire (2022). Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.