Podcasts about encourage

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Dr. Nicole Roberts Jones.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Dr. Nicole Roberts Jones.

overall episode #153, In this episode, I sit down with Michael Card to explore his remarkable journey — from the stories behind his songs to the books he's written and the powerful testimony that has shaped his life and ministry.We're also featuring incredible music from Clare Cunningham and Rocky Michaels, two gifted artists who pour their hearts into sharing their music with the world.At its core, this podcast is about encouragement, positivity, and offering a little light to anyone who might need it. Every conversation and every song is shared with the hope of making someone's day just a bit brighter.I also wanted to thank my sponsors for their incredible support; Please check out these amazing businesses that are located in Silverdale & Port Orchard WashingtonTaquiza & Taquiza Street; great authentic Mexican food, from 6 kinds of Tacos, Burritos especially those Breakfast burritos, grilled jalapeños. So so good, Check out their website at www.taquizatacoshop.com or taquizastreet.com and place your order today, Also thank you to Lone Star Donuts: If you're anywhere near Silverdale or Port Orchard, you owe it to yourself to stop by Lone Star Donuts. With nearly 50 incredible flavors, this is the place for fresh, melt‑in‑your‑mouth donuts that taste every bit as good as they look.Whether you're craving something classic, creative, or completely over the top, Lone Star Donuts delivers big flavor, friendly service, and that “made fresh” goodness you can't fake. It's the kind of local spot that brightens your morning and makes your day just a little sweeter — which is exactly what this podcast is all about.Looking for an unforgettable adventure right here in Kitsap County? Kitsap Great Escape delivers big‑time fun with three exciting escape rooms packed with puzzles, surprises, and immersive storytelling that will challenge your whole crew. Whether you're planning a family outing, a date night, or a team‑building experience, there's a room for every skill level and every kind of thrill‑seeker.And the best part — a brand‑new escape room is opening soon, adding even more mystery and excitement to explore.Don't wait to lock in your next adventure. Book your room today and see if you've got what it takes to escape in time. Check out their Facebook page or their website @www.kitsapgreatescape.com If you're looking for a relaxed, welcoming place to unwind in Port Orchard, you've got to check out Wine About It. This local gem serves up fantastic wines, delicious charcuterie boards, and a vibe that makes you want to stay awhile.They host fun events every week, from tastings to themed nights, so there's always something new to enjoy. It's the perfect spot to meet up with friends, discover a new favorite wine, or just take a breather from the day.Want to stay in the loop? Check out their Facebook page for upcoming events and specials — you won't want to miss what they've got going on.Thank to Paul Racey and the tremendous work he does behind the scenes helping get this podcast hear. Please subscribe and follow this fun, encouraging, uplifting podcast. Thank you for joining in. Encourage someone today.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and three-time NAACP Image Award-winning television Executive Producer Rushion McDonald interviewed Michael Uadiale. A seasoned CPA and master tax advisor with 25+ years of experience, discussing how entrepreneurs can use strategic tax planning to accelerate wealth building and achieve financial freedom within 5–7 years. He introduces his trademarked DECIDE Framework, explains why most small business owners overpay taxes, and breaks down strategies such as employing children, capturing appreciation, digital asset taxation, and multigenerational wealth planning. Rushion plays the voice of the everyday entrepreneur—curious, intimidated by taxes, and eager to understand wealth strategies—while Michael emphasizes empowerment through education, intentional planning, and knowing the rules of the tax code.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and three-time NAACP Image Award-winning television Executive Producer Rushion McDonald interviewed Michael Uadiale. A seasoned CPA and master tax advisor with 25+ years of experience, discussing how entrepreneurs can use strategic tax planning to accelerate wealth building and achieve financial freedom within 5–7 years. He introduces his trademarked DECIDE Framework, explains why most small business owners overpay taxes, and breaks down strategies such as employing children, capturing appreciation, digital asset taxation, and multigenerational wealth planning. Rushion plays the voice of the everyday entrepreneur—curious, intimidated by taxes, and eager to understand wealth strategies—while Michael emphasizes empowerment through education, intentional planning, and knowing the rules of the tax code.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and three-time NAACP Image Award-winning television Executive Producer Rushion McDonald interviewed Alaysia Miller. A certified nurse practitioner, travel nurse practitioner, and founder of NP Luxe CPR, a Florida-based CPR training company. Alaysia discusses her journey from nurse to travel nurse practitioner, how frontline burnout pushed her into entrepreneurship, and why she launched a CPR education business. She explains the financial and lifestyle advantages of travel nursing, the importance of mentorship, the realities of entrepreneurship, and the major CPR survival gap in Black and underserved communities. Rushion and Alaysia also dive into leadership, negotiating contracts, building a lucrative CPR business, and empowering community health through education.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and three-time NAACP Image Award-winning television Executive Producer Rushion McDonald interviewed Alaysia Miller. A certified nurse practitioner, travel nurse practitioner, and founder of NP Luxe CPR, a Florida-based CPR training company. Alaysia discusses her journey from nurse to travel nurse practitioner, how frontline burnout pushed her into entrepreneurship, and why she launched a CPR education business. She explains the financial and lifestyle advantages of travel nursing, the importance of mentorship, the realities of entrepreneurship, and the major CPR survival gap in Black and underserved communities. Rushion and Alaysia also dive into leadership, negotiating contracts, building a lucrative CPR business, and empowering community health through education.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and three-time NAACP Image Award-winning television Executive Producer Rushion McDonald interviewed Alaysia Miller. A certified nurse practitioner, travel nurse practitioner, and founder of NP Luxe CPR, a Florida-based CPR training company. Alaysia discusses her journey from nurse to travel nurse practitioner, how frontline burnout pushed her into entrepreneurship, and why she launched a CPR education business. She explains the financial and lifestyle advantages of travel nursing, the importance of mentorship, the realities of entrepreneurship, and the major CPR survival gap in Black and underserved communities. Rushion and Alaysia also dive into leadership, negotiating contracts, building a lucrative CPR business, and empowering community health through education.

This week Arlo looks for adventure through the telescope in his lighthouse! He is hoping to learn about someone new today. Will learn with the help of his friend Kelby the octopus? Let's find out!For more great stories and things to do, head to Saddlebackkids.comAnd to see the video version of Happy Harbor, check out our youtube channel!Parents, there's plenty for you too at Saddlebackparents.com, and don't forget to subscribe to the On Purpose Parents podcast from Saddleback Parents.Talk It OverThe Parable Of The Lost SheepHey parents! Use these questions as a guide to talk over this week's lesson about The Parable of the Lost Sheep with your child after they've listened to the episode!Who was today's Bible story about?Jesus.A man had 100 sheep. What sound does a sheep make?Baa.Uh-oh. What happened when he lost one of his sheep?He looked and looked all around to find it. Let's play peek-a-boo! You can pretend to be the sheep and I'll cover my eyes then find you. Ready? Peek-a-boo sheep!How did the man feel when he finally found the lost sheep?He was happy! He asked everyone to come celebrate. Let's jump and clap our hands and celebrate, too.Take some time to pray with your toddler. Encourage your toddler to sit with you and fold their hands, saying something like:God, thank you for loving us. Thank you for making us. Thank you for wanting to be our friend. Thank you that you will take care of us. We love you! Amen!Parent Encouragement - The Parable of the Lost SheepHey parents! Here's something for you to be encouraged by and get ideas to bring this Bible story into your everyday conversation with your child at home!DownloadCraft – I-Spy BagIn this craft, your toddler will make an I-Spy bag filled with hidden items from the Bible story. As they look for the items in their bag, they will be reminded that the shepherd looked for the sheep. He loved the sheep, and God loves us!DownloadActivity – Balloon SheepIn this activity, your toddler will have fun as they find all of the sheep like the shepherd found his lost sheep in our Bible story. The shepherd loved his sheep, and God loves us!DownloadColoring Page - The Parable of the Lost SheepWe have a variety of coloring pages to help your child remember familiar faces from this month's lesson!DownloadNavigating Parenthood: Step Up Hey parents! Saddleback Parents has great training, tips, and tools to help you win. Check out part 2 of this Two Minute Tip series all about how we can help our kids hold onto faith.Download

In this International Women's Day episode, Gina shares a deeply honest reflection on something that doesn't get talked about enough.While women have fought for generations to gain seats at the table, many of us have unknowingly inherited the belief that there are only a few spots available. And when that belief takes hold, comparison, judgment, and competition between women can quietly take root.After seeing a powerful “Be One of Many” campaign from Mercedes, Gina began reflecting on what it really means for women to rise together—and how the way we show up for each other can either reinforce old limitations or create a completely different future.Drawing from her experience as a business coach working with women every day, Gina shares what she sees behind the scenes: the fear of being seen, the visibility blocks that hold so many women back, and the powerful role women play in either supporting or shrinking one another's growth.This episode is an invitation to rethink the narrative.To move from comparison to curiosity.To celebrate women as they expand instead of pulling them back when they grow.And to remember that the goal was never to be the one woman who made it…The goal was always to be one of many.In This Episode, Gina Talks About:• The moment a Mercedes International Women's Day commercial sparked a powerful realization• Why women sometimes feel like there are limited seats at the table• The conditioning that can create competition between women• What Gina sees behind the scenes in her work as a business coach• The visibility block that shows up for nearly every woman in business• “Crab in the bucket” syndrome and why support often disappears when women start succeeding• Why supporting women cannot be conditional• Practical ways women can actively lift each other up• The importance of doing the inner work around comparison and insecurity• Why courage and expansion are contagious• The responsibility we have to the girls and young women coming behind usA Reflection for Today:Think of one woman in your life.Encourage her.Celebrate her.Recommend her.Say her name in a room she's not in.Because when women realize there is room for all of us…everything changes.

Celebrate, The Savior is Here!Jesus Christ is Alive!Get to know Jesus Christ, He will change your life!!!Go to GOD for discernment and wisdom.Know the Truth as the Truth will make you free! (John 8:32)___The Pledge of AllegianceNEO420 = Real News + Real Information for WE THE PEOPLEWE THE PEOPLE are at war with the deepstate criminal cabal!!!Turn off your tv, radio, and stop listening to paid professional liars spreading propaganda.***SUPPORT Independent Free Speech Reporting***Thank you for the SUPPORT & SHARING the TRUTH!!!___Podcast  link is here http://neo420.com/talks-podcast/The video channel link is here. https://odysee.com/@NEO420TALKS:4The Viral Delusionhttp://www.theviraldelusion.com/HAARPDARPA BlackjackAshli Babbit false flag Jan 6 video evidence___NEVER FORGET 9 11!!!Rumsfeld admitted $2.3 Trillion missing from Pentagon Sept 10 2001.  https://odysee.com/@NEO420TALKS:4/rumsfeld-2.1Trillionunaccountedforb-ccriminalsstoleit:7Planes did NOT bring down the two towers.AE911Truth.orgGeorge Bush Sr was CIA director before being Vice President then President.Towers that fell:-Building 1-Building 2-Building 7 (seldom reported even though BBC reporter reported building down before it happened) https://www.youtube.com/watch?v=J0VFMqi--Copyright Disclaimer Under Section 107 of the Copyright Act 1976, allowance is made for "fair use" for purposes such as criticism, comment, news reporting, teaching, scholarship, and research. Fair use is a use permitted by copyright statute that might otherwise be infringing. Non-profit, educational or personal use tips the balance in favor of fair use.Support the show

◇ A Guy in Austin asks how to get players to explore, Aggie wants to know what our favorite systems do best, From the archive 2022: Weaselcreature shares a success story | Hosts: Kimi, Riley, Teri & Rob ◇ 00:33◇ Welcome & Episode Summary 01:43◇ Announcements – Our next Game Daze will be in March 21st! It's safe, fun, and free. All games are required to use safety tools. You can join in the fun on the Happy Jacks discord server. happyjacks.org/discord 03:18◇ Indie Designer of the Month: Tristan Zimmerman (he/him) of Molten Sulfur Press https://moltensulfur.com/ 06:04◇ Mailbag 1 – A Guy in Austin asks how to get players to explore 47:07◇ Mailbag 2 – Aggie wants to know what our favorite systems do best 76:22◇ Mailbag 3 – From the archive 2022: Weaselcreature shares a success story 89:34◇ Episode Closing 92:22◇ Music ◇ Email happyjacksrpg@gmail.com or post in our Discord server to send in your own topic or question for the show! ◇ Find us on Youtube ◇Twitch ◇Bluesky ◇Instagram ◇Facebook ◇Discord or find all our podcast feeds on your favorite Podcast platform! happyjacksrpg.carrd.co ◇ Subscribe to our Actual Play Feed! We have a backlog of campaigns in over 20 RPG systems and new games running all the time. ◇ Become a Patreon! All the money goes into maintaining and improving the quality of our shows. patreon.com/happyjacksrpg Ⓒ2026 Happy Jacks RPG Network www.happyjacks.org

This episode of the San Luis Obispo Real Estate Podcast features local attorney Ed Attala discussing the legalities and best practices for owning rental property in a college town. The conversation focuses on protecting investments, managing liability, and navigating the specific noise ordinances of San Luis Obispo. Key Strategies for Property Owners Ed Attala highlights three primary pillars for protecting a rental investment: Asset Protection via LLCs: Attala recommends purchasing rental properties within an LLC to shield personal assets (like your primary home or brokerage accounts) from liability in the event of an accident on the property, such as a trampoline injury. Insurance and Umbrella Policies: Owners should maintain robust insurance and an umbrella policy. Attala warns that owners must ensure their underlying policy limits match the umbrella's requirements; if a property's value has risen but the underlying insurance hasn't been updated, the umbrella policy may deny coverage during a claim. Well-Drafted Leases: A strong lease should include liquidated damages for violations, such as noise complaints, to give the landlord financial leverage to curb bad behavior. Attala also suggests requiring a parent guarantee on leases to ensure students stay accountable. Navigating the SLO Noise Ordinance The podcast goes into significant detail regarding how the City of San Luis Obispo handles noise complaints, which can be a major headache for landlords: The Warning Process: Initially, a student patrol (SNAP) may issue a Disturbance Advisement Card (DAC), which serves as a warning. The city then notifies the homeowner that their tenants are in violation. Escalating Fines: If the property is placed on the "premise list" due to repeated issues, sworn officers will respond to future calls. Fines start at $350 for a first citation, jumping to $700 for a second, and $1,000 for a third. Double Fines: During "Safety Enhancement Zones" (such as St. Patrick's Day/St. Fratty's or "WOW Week"), these fines are typically doubled. Administrative Citations: Landlords often receive an administrative citation equal to the tenant's fine, as the city expects the owner to control the property's behavior. Proactive Management Tips The participants suggest that the best way to avoid legal and city-related issues is through proactive relationship management: Encourage tenants to introduce themselves to neighbors and exchange phone numbers so neighbors call the tenants before calling the police. Small gestures, like taking in a neighbor's trash cans or tenants being respectful of "ultra-quiet hours" (10 PM to 7 AM), go a long way in maintaining neighborhood peace. For Real Estate Questions feel free to reach out Hal and the team at 805-781-3750. CADRE# 01111911

Just like Nehemiah's team, you have a God-given assignment to build up the body of Christ by encouraging and uplifting those around you. -------- Thank you for listening! Your support of Joni and Friends helps make this show possible.     Joni and Friends envisions a world where every person with a disability finds hope, dignity, and their place in the body of Christ. Become part of the global movement today at www.joniandfriends.org   Find more encouragement on Instagram, TikTok, Facebook, and YouTube.

How to Move to Mexico: Visas, Costs, Taxes, and the Best Places to Live Mexico is one of the most popular countries in the world for Americans who want a lower cost of living, a warmer climate, and a richer day to day culture without moving halfway across the planet. Many expats are retirees, remote workers, or entrepreneurs who find that their money goes further while they gain a more relaxed lifestyle. For someone in the southwestern U.S. (like Arizona), Mexico is especially appealing because you can often drive instead of fly, keep close ties with friends and family, and still feel like you've made a big lifestyle upgrade. This guide walks through why and where to move, what it really costs, how visas work, how Mexican taxes function, when you might owe them, and other real world considerations that don't always show up in glossy travel articles. ________________________________________ Why move to Mexico? People move to Mexico for a mix of financial, personal, and lifestyle reasons. You can open this section with a simple story: for example, a couple selling a house in the U.S., paying cash for a home or condo in Mexico, and cutting their monthly expenses nearly in half while eating better and traveling more. Key motivations to highlight: Lower cost of living Mexico's overall cost of living is significantly lower than in the U.S. Rents in many Mexican cities are substantially cheaper than comparable U.S. cities, groceries and fresh produce are affordable, and services like cleaning, childcare, and home repairs cost far less. A couple who spends 5,000 USD per month in the U.S. can often live comfortably in Mexico on 2,000–3,500 USD per month, depending on city and lifestyle. Proximity and connectivity Unlike moving to Europe or Asia, living in Mexico means you're usually one flight away from your U.S. hometown. Major cities like Mexico City, Guadalajara, Monterrey, Cancún, and Mérida have robust air connections. Internet infrastructure has improved a lot; mid size cities now often have fiber optic service, making remote work highly feasible. Lifestyle and climate variety Mexico is huge and geographically diverse. You can choose from: • Coastal beach towns with surf culture and sunsets • High altitude colonial cities with spring like weather • Mega cities with world class dining, museums, and nightlife • Smaller, artsy towns with vibrant local traditions You get to decide whether you want small town community, cosmopolitan buzz, or something in between. Culture, food, and community You'll never run out of festivals, markets, and regional dishes. For many expats, the biggest upgrade isn't just cheaper rent, but living in a place where there's always music in the plazas, food in the streets, and a sense of community. In many popular locations, there is also an established expat network to help you orient. Healthcare Private healthcare in Mexico is dramatically more affordable than in the U.S. Many expats pay out of pocket for routine care and buy local or international health insurance for major events. In larger cities you'll find modern hospitals and specialists, and in some cases doctors who trained abroad. ________________________________________ Where to move in Mexico Mexico isn't a single experience. Moving to Oaxaca is very different from moving to Mazatlán or Guadalajara. This section should help you “try on” a few places in your imagination. Mexico City Vibe: Big city, cosmopolitan, urban energy. Pros: World class restaurants, museums, art, music, and nightlife; excellent air connections; plenty of coworking spaces and job opportunities with international companies. Cons: Higher rents than many other Mexican cities, traffic and air pollution, security can vary by neighborhood. Mexico City suits people who want an urban life and don't mind density. It works well for younger professionals or creatives, and for remote workers who want big city culture at a lower price than New York, LA, or San Francisco. Guadalajara Vibe: Large city with a strong tech scene and traditional Jalisco culture (mariachi, tequila). Pros: Big city services without quite the chaos of Mexico City, growing startup and tech ecosystem, nearby towns and lakes for weekend escapes. Cons: Some neighborhoods can feel sprawling; traffic is very real; summers can be hot. Guadalajara is a good fit for remote workers and entrepreneurs who want a mix of modern infrastructure and traditional Mexican character. Lake Chapala (Ajijic/Chapala) Vibe: Classic retiree and snowbird destination near a large lake. Pros: Mild climate, large English speaking expat community, social clubs and activities, walkable village feel in places like Ajijic. Cons: Heavy expat presence can make it feel less “Mexican” to some; limited big city amenities compared to Guadalajara. This area is ideal for retirees who want community, comfort, and a gentle pace of life within reach of a major city. San Miguel de Allende Vibe: Picturesque colonial city, artsy, charming, and heavily international. Pros: Beautiful historic center, strong arts and cultural scene, plenty of restaurants and galleries. Cons: One of the more expensive inland cities; tourism and expat presence drive up housing costs. San Miguel appeals to people who prioritize aesthetics, architecture, and culture and are willing to pay a premium. Querétaro Vibe: Clean, orderly, fast growing city with industry and a large middle class. Pros: Safe reputation, good infrastructure, beautiful colonial center, strong job market in manufacturing and services. Cons: Less “touristy charm” in some newer suburbs; housing prices have been rising with growth. Querétaro works well for families and professionals who want a modern, organized city with good schools and services. Puebla Vibe: Historic, livable city with serious food culture and nearby nature. Pros: Gorgeous colonial architecture, famous cuisine (like mole poblano), access to mountains and smaller towns, a mix of traditional markets and modern malls. Cons: Higher altitude and cooler winters than coastal areas; still under the radar for many expats, so less English support than in Lake Chapala or San Miguel. Puebla suits people who love culture, gastronomy, and city life but don't need a huge expat bubble. Oaxaca City Vibe: Cultural and culinary capital with strong Indigenous traditions and arts. Pros: Outstanding food, vibrant markets, year round festivals, access to mountains and rural communities, often lower rents than more famous expat hubs. Cons: Smaller airport and fewer direct international flights; infrastructure can be a bit more rustic compared to megacities. Oaxaca is great for people who want deep culture, don't mind a bit of grit, and prefer authenticity over polish. Mérida and the Yucatán Vibe: Colonial city, family friendly, often cited for safety. Pros: Strong sense of community, rich history, cenotes and beaches nearby, growing expat scene. Cons: Hot and humid much of the year; air conditioning can be essential. Mérida appeals to families, retirees, and anyone who wants a mix of culture and relative safety in a warm climate. Puerto Vallarta / Riviera Nayarit Vibe: Beach town/medium city with a strong expat and LGBTQ+ community. Pros: Ocean, sunsets, whale watching, strong tourism economy, many English speaking services, international airport. Cons: Housing and dining in tourist zones are more expensive; high season crowds; summer humidity. This is an easy landing spot if you want a beach lifestyle and community support from day one. Mazatlán Vibe: Working port city with long beaches and a growing expat presence. Pros: Ocean side living, more “local” feel than some resort towns, improving infrastructure, cost of living that can be lower than in ultra commercial tourist areas. Cons: Humid climate; parts of the city feel industrial; some areas are still rough around the edges. Mazatlán is appealing if you want the Pacific coast without the heavy commercialization and highest prices of places like Los Cabos or Cancún. Place Vibe Big Pros Main Tradeoffs Mexico City Mega‑city Culture, jobs, flights Cost, traffic, pollution Guadalajara Big, traditional Tech scene, culture Sprawl, traffic Lake Chapala Retiree village Mild climate, expat community Fewer urban amenities San Miguel Artsy colonial Beauty, culture Higher housing costs Querétaro Modern, orderly Safety, infrastructure Rising prices Puebla Historic, foodie Cuisine, architecture, nature nearby Less expat support Oaxaca City Cultural hub Food, festivals, affordability Smaller airport, rustic edges Mérida Warm, family‑oriented Safety, history Heat and humidity Puerto Vallarta Beach city Ocean, expat support Tourist prices in key areas Mazatlán Port/beach city More local feel, coast Humidity, some gritty areas ________________________________________ Cost of living in Mexico Readers want numbers, but it's better to provide realistic ranges and examples than a single “magic” figure. Basic cost structure Housing Rents vary wildly by location. A modest one bedroom in a non touristy city might rent for the equivalent of a few hundred dollars per month. In upscale neighborhoods of Mexico City or popular beach towns, modern apartments can cost as much or more than many mid tier U.S. cities. Utilities and internet Electricity is affordable unless you run heavy air conditioning all year, which you might need on the coasts and in the lowlands. Internet and mobile service are reasonably priced, with fiber available in many urban areas. Food and groceries Fresh fruits, vegetables, and staples are cheap, especially if you shop in local markets. Imported items (certain cheeses, specialty products) are more expensive. Eating at local restaurants and street food stalls is inexpensive; high end dining in major cities is still far cheaper than equivalent places in the U.S. Transportation Public transit, taxis, and app based rides are affordable. Owning a car involves fuel, insurance, and maintenance costs, but these are usually lower than in the U.S. You can often live car free in dense cities like Mexico City, Guadalajara, or Puebla. Example monthly budgets (rough, per household) Frugal single in a non touristy city • Rent (studio/1 bed): 400–600 USD equivalent • Utilities and internet: 70–120 • Groceries and local dining: 250–350 • Local transport and misc.: 100–150 • Total: roughly 800–1,200 USD per month Comfortable couple in a mid range city • Rent (nice 2 bed apartment): 700–1,200 USD • Utilities, internet, mobile: 120–200 • Groceries and eating out several times a week: 400–600 • Health insurance (local or international): 200–400 • Transport, entertainment, gyms, etc.: 200–400 • Total: roughly 1,600–2,800 USD per month Beach town or premium neighborhood living In high demand areas (like parts of Puerto Vallarta, San Miguel de Allende, or prime zones in Mexico City), you can easily spend 2,500–4,000 USD per month or more for a couple if you choose modern housing, eat out frequently, and live a more upscale lifestyle. Startup costs Don't forget one time or irregular costs: • Visa fees for temporary or permanent residency • International flights or moving your belongings • First month's rent plus deposit (sometimes more for furnished places) • Basic furniture and household goods if you're not renting furnished • Car purchase or import (if you choose to have one) Encourage readers to arrive with a cash cushion: at least 3–6 months of living expenses plus relocation costs. ________________________________________ Visa options and residency paths Mexico's visa system offers several ways to stay, depending on your plans and finances. Tourist stay Many foreigners enter Mexico as tourists without a visa and receive permission to stay up to a certain number of days (often up to 180 days, but it is not guaranteed). A tourist stay: • Does not allow you to work for Mexican employers • Does not let you access local residency benefits • Is not meant as a long term “back to back” solution Tourist entries are good for exploration trips but not for a full time move. Temporary resident (Residente Temporal) Temporary residency is the most common path for people who want to live in Mexico for more than six months without immediately going permanent. General characteristics: • Usually granted initially for 1 year, with the possibility to renew up to 4 years • Allows you to live in Mexico full time, open local bank accounts, and sometimes get local health coverage • Does not automatically grant permission to work; if you plan to work in Mexico you need work authorization attached to your residency Most temporary residents qualify via financial solvency (proof of income or savings). Typical recent numbers: • Monthly income requirement: roughly in the low to mid 4,000 USD range for the last 6–12 months, depending on the consulate • Savings/investment requirement: often in the high five figures to low six figures in USD equivalent, again varying by consulate Each Mexican consulate sets its own exact thresholds and evidence rules, so readers must always check with the specific consulate where they'll apply. Permanent resident (Residente Permanente) Permanent residency is ideal if you plan to live in Mexico indefinitely. Characteristics: • No need for frequent renewals • Lets you live in Mexico as long as you like • Often used by retirees or those with strong ties to Mexico (like family connections) You can qualify either: • Directly from abroad if you meet higher income or savings requirements, often thousands of dollars more per month than temporary residency; or • By first holding temporary residency for several years (for many, 4 years), then converting to permanent status inside Mexico. Again, the exact thresholds and documentation depend on the consulate and can change year to year. Work visas and business If you plan to work for a Mexican employer or run a Mexican company that needs your presence, you need proper work authorization. Basic ideas: • A Mexican employer can sponsor you for a temporary resident visa with permission to work if they are registered with the immigration authorities. • You cannot legally work in Mexico for a Mexican entity on a tourist visa. • If you intend to start a business (for example, a hotel, restaurant, or tourism operation), you'll need legal and tax advice to structure it correctly and secure the right visa. ________________________________________ Visa process: step by step overview You can treat this as a checklist. 1. Clarify your plan Decide how long you want to stay and whether you'll work, retire, or just live on savings or remote income. That determines whether you need temporary or permanent residency, and whether you need work authorization. 2. Choose a consulate and check requirements Review the website of the Mexican consulate you'll use (near your U.S. residence, for example). Requirements vary: one might emphasize income, another savings; some want 12 months of bank statements, others 6. 3. Gather documents Typical documents include: passport, completed application form, passport photos, bank and/or investment statements, pension or Social Security award letters, marriage or birth certificates if applying with family members. 4. Book and attend the consulate appointment You'll have a short interview, submit your documents, and pay a fee. If approved, the consulate places a visa sticker in your passport, usually valid for a limited period to enter Mexico and “activate” your residency. 5. Enter Mexico and finalize at immigration (INM) Within a set number of days after entering Mexico on your new visa (often 30 days), you must go to your local immigration office, complete forms, pay fees, and provide biometrics to receive your residency card. 6. Renew or convert (for temporary residents) Temporary residents must renew before their card expires, often annually at first. After the allowed number of years, many can convert to permanent residency. Many applicants use a local immigration facilitator or attorney, especially if their Spanish is limited or if they have a more complex case. ________________________________________ How Mexican taxes work This is where readers start wondering, “How much are Mexican taxes, and what do they tax?” Income tax (ISR) Mexico has a progressive income tax called ISR (Impuesto Sobre la Renta) that applies to individuals. For tax residents (people who are considered resident in Mexico for tax purposes): • The system uses progressive tax brackets. • Rates start at low single digits on small incomes (around 1.9%) and rise stepwise. • The top marginal rate is around 35% on high incomes (at several million pesos per year). • Most employment income is taxed through withholding by the employer, with an annual true up in a tax return. For non residents (people who are not tax resident in Mexico but have Mexican source income): • There is usually an exemption for a small initial amount of income. • Above that, one common pattern is 15% tax on mid range income and 30% on higher income, depending on the type and level of income. You don't need to quote exact peso thresholds to readers; it's enough to say that most ordinary incomes are taxed at moderate rates, while high incomes pay up to about 35%. What income do they tax? For Mexican tax residents, Mexico generally taxes worldwide income: • Wages and salaries from Mexican or foreign employers • Self employment and business income • Rental income from property in Mexico or abroad • Interest, dividends, and capital gains • Some pensions and retirement income, depending on the source and treaties For non residents, Mexico usually taxes only Mexican source income: • Income from work physically performed in Mexico • Rental income from Mexican real estate • Business profits from a Mexican business or permanent establishment • Some Mexican source interest and dividends If your readers are U.S. citizens, remind them: they must still file a U.S. tax return even if they also become Mexican tax residents, and they may be able to offset Mexican taxes through tax credits or exclusions. Value added tax (IVA) Mexico's sales tax is a value added tax called IVA. • The standard IVA rate is 16%, applied to most goods and services, including many consumer purchases and professional services. • There is a reduced rate (often around 8%) in certain border regions to promote competitiveness. • Some items are zero rated or exempt: many basic foods, some medicines, exports, certain types of housing, and some education and health services. As a consumer, you see IVA embedded in most prices, much like sales tax in the U.S. For businesses (like a hotel or restaurant), you collect IVA on sales and remit it to the government. Other common taxes and contributions Depending on what you do in Mexico, you might also encounter: • Social security contributions for employees (if you work for a Mexican employer) • Property taxes (predial), which are generally much lower than typical U.S. property taxes on a comparable property • Vehicle registration fees if you own a car You don't need to go into detail here, but it's worth flagging that these exist and are part of the overall tax picture. ________________________________________ Tax examples: retiree, remote worker, and Mexican employed American These simplified examples assume the person has become a Mexican tax resident (over 183 days per year in Mexico and/or center of vital interests in Mexico). Real world outcomes depend on exact numbers, deductions, the current year's brackets, and treaty interpretation, so they are for illustration only and not tax advice. Example 1: Retiree getting 30,000 USD/year in U.S. Social Security Assumptions: • 30,000 USD/year in U.S. Social Security, no other income. • Exchange rate of 18 MXN per USD → 540,000 MXN/year. • Lives in Mexico full time and is treated as a tax resident. Key points: • Foreign pensions, including U.S. Social Security, may need to be reported to the Mexican tax authority (SAT) once you are a Mexican tax resident. • In practice, some advisors and expats find that U.S. Social Security and U.S. retirement distributions are primarily taxed in the U.S., with Mexico focusing more on Mexican source income, but the safest assumption is that Mexico can tax worldwide income and may expect you to declare it. How you might explain it to readers: • If you are a retiree with 30,000 USD/year in Social Security and no other income, you will still deal with U.S. tax rules on that income. • Once you become a Mexican tax resident, Mexico may require you to report that income, but whether they actually tax it depends on treaty rules and how your situation is interpreted. • A cross border tax professional can tell you whether you'll see any Mexican tax on that Social Security or whether your liabilities remain mostly on the U.S. side. Plain English takeaway: retirees living on moderate U.S. Social Security often don't get hammered by Mexican income tax, but they should plan on at least reporting their income and coordinating U.S. and Mexican filings. Example 2: Remote American worker living in Mexico, making 80,000 USD/year from a U.S. employer Assumptions: • 80,000 USD/year salary from a U.S. company, work performed remotely while living in Mexico. • Exchange rate 18 MXN/USD → 1,440,000 MXN per year. • Spends more than 183 days/year in Mexico, so is a Mexican tax resident. Key points: • Mexico taxes its residents on worldwide income, which includes your U.S. salary. • If you are effectively working from Mexico, Mexico views that as Mexican taxable employment or self employment income, even if your employer is in the U.S. Approximate effect: • At around 1.44 million MXN/year, you'll be in higher ISR brackets, facing a top marginal rate of 35% on the upper slice of your income and a blended effective rate likely in the low to mid 20% range, after standard calculations. • You still file a U.S. return every year. • You may use the Foreign Earned Income Exclusion and/or foreign tax credits to prevent being fully taxed twice. If you're a U.S. citizen working remotely from Mexico and earning 80,000 USD/year from a U.S. employer, expect to owe Mexican income tax as a resident and still file a U.S. return. The good news is that, with proper planning, Mexican tax you pay can usually be credited against your U.S. tax so you're not double taxed on the same income. Example 3: American earning 60,000 USD/year from a Mexican employer Assumptions: • American citizen employed by a Mexican company, working in Mexico. • 60,000 USD/year salary → 1,080,000 MXN/year at 18 MXN/USD. • Treated as a Mexican tax resident. Key points: • This is clearly Mexican source employment income. • Your Mexican employer will withhold ISR from your paycheck based on the progressive tables, plus social security and other payroll contributions. • At roughly 1.08 million MXN/year, you're again in higher brackets, with an effective tax rate that can land roughly in the low to mid 20% range, depending on deductions and credits. • As a U.S. citizen, you still file a U.S. tax return but can typically use foreign tax credits and, possibly, the Foreign Earned Income Exclusion to avoid paying full tax twice. If you're an American making about 60,000 USD/year working for a Mexican employer, you'll see Mexican taxes withheld from every paycheck and you'll still file in the U.S., but in many cases the Mexican tax you pay will substantially offset what you owe the IRS. ________________________________________ When do you have to file Mexican taxes? Taxes depend on tax residency, not just on immigration status (visa type). When do you become a Mexican tax resident? Mexico may treat you as a tax resident when: • You spend more than 183 days in Mexico in a calendar year; or • Mexico is the “center of your vital interests,” meaning your main economic or family ties are there (for example, your spouse and minor children live in Mexico and you earn most of your income from Mexican sources). Residency for tax purposes is a legal determination, not just a personal choice, so it's wise to consult a tax professional if you're unsure. Filing and paying For Mexican tax residents: • Individuals generally file an annual income tax return, often in the spring of the following year (recent years use April 30 as a common deadline). • Some types of income require monthly provisional payments. • Employers withhold tax on salary, and banks or brokers may withhold on interest and other income. For non residents: • Mexican tax is often withheld at source by the payer (for example, a Mexican employer or tenant), at the applicable non resident rates. A simple rule of thumb for your readers: • If you spend less than 183 days in Mexico per year and don't earn Mexican source income, you usually don't file a Mexican tax return (but you still file in your home country). • If you live in Mexico most of the year, own a business there, or earn income from Mexican property or employment, expect to deal with Mexican tax returns and possibly to be treated as a tax resident. Always encourage readers to get cross border tax advice, especially U.S. citizens who may need to coordinate U.S. and Mexican returns. ________________________________________ Other important considerations Rounding out the blog with practical and cultural issues makes it feel grounded. Healthcare and insurance • Many expats use a combination of local private healthcare and insurance (either Mexican private plans or international expat policies). • Some long term residents enroll in Mexico's public healthcare system, but quality and access can vary by region. • Before moving, review how your current health insurance will work abroad and plan for major emergencies. Banking and money • Most people keep at least one bank account in their home country and open a Mexican account after they get residency, making it easier to pay rent and utilities. • Money transfer services and online banks can offer better exchange rates and lower fees than traditional bank wires. • U.S. citizens must also be mindful of foreign account reporting requirements (like FBAR and FATCA). Renting vs buying property • Renting first is usually smart. It gives you time to test neighborhoods, understand noise patterns, get a feel for the climate, and decide if you really like the city. • Buying property in Mexico can be attractive, especially in less expensive markets, but there are legal nuances, including special structures (like fideicomisos) for coastal and border properties. • Using a reputable notario (a specialized legal official) and real estate professionals is critical. Safety • Safety in Mexico is highly regional and neighborhood specific. Some places are very comfortable for day to day life, while others have serious security issues. • Research specific cities and neighborhoods, use recent data, and talk to locals and expats on the ground, not just headline news. • As in any country, common sense precautions (knowing where not to go at night, avoiding displays of wealth, learning local norms) go a long way. Language and integration • Learning Spanish is one of the best investments an expat can make. Even basic Spanish opens doors: cheaper local services, smoother dealings with bureaucracy, better relationships with neighbors. • Integration means respecting local customs, supporting local businesses, and avoiding “little bubble” lifestyles where expats only interact with each other. Working or running a business • Anyone planning to run a hotel, restaurant, tour company, or other business in Mexico needs clarity on immigration status, work authorization, and tax obligations. • A business that employs locals (for example, a hotel/restaurant concept in Puebla or a tourism operation in Oaxaca or Mazatlán) can be both profitable and socially impactful, but it requires upfront planning with local lawyers, accountants, and immigration professionals. • Operating “informally” or on a tourist visa can create serious immigration and tax problems.

In this week's episode of the Building Better Cultures Podcast, host Scott McInnes sits down with Joe Lalley, author of 'How Curiosity Can Transform Your Career, Your Team, and Your Organisation.' Together, they explore the power of curiosity in transforming careers, teams, and organisations. Tune in to discover practical insights on fostering curiosity, psychological safety, and innovative cultures.  Keywords:  Curiosity, innovation, psychological safety, organizational culture, design thinking, leadership, experimentation, learning from failure, AI, creative thinking  Key Topics:  The definition of curiosity as the desire to go from not knowing to knowing  The role of psychological safety in encouraging curiosity  Patterns of questions that drive innovation and learning  The importance of being close to customers for effective curiosity  The impact of organisational culture on curiosity and experimentation  The risks and rewards of curiosity in the workplace  Practical strategies for leaders to foster curiosity  The influence of childhood and education on curiosity development  The relationship between curiosity and AI in learning and work  How to balance curiosity with decision-making and focus  Takeaways  Curiosity is simply the act of wanting to go from not knowing to knowing.  Psychological safety is essential for fostering curiosity in teams.  Ask open-ended questions that challenge assumptions and explore possibilities.  Being close to the customer enhances the effectiveness of curiosity.  Organisational culture should be built around experimentation and learning.  Shortening feedback cycles accelerates learning and innovation.  Celebrate failures as first attempts in learning to encourage risk-taking.  Leadership modeling of curiosity and experimentation sets the tone.  Use examples and data to demonstrate the value of iterative work.  Encourage questioning and exploration as core organisational behaviours.  Chapters  00:00 Introduction to Curiosity in Organisations  02:53 Defining Curiosity and Its Importance  05:34 Psychological Safety and Curiosity  08:47 Curiosity in Meetings and Organisational Culture  11:29 Learning from Customers and Iterative Processes  14:48 Creating Space for Curiosity in Organisations  17:36 Embedding Curiosity into Organisational Culture  20:29 The Balance of Curiosity and Action  23:27 Practical Steps for Leaders to Foster Curiosity  26:32 The Impact of Technology on Curiosity  29:08 The Future of Curiosity in the Age of AI    Link to Joe's book:  Joelalley.com/book    Connect with us:  LinkedIn YouTube Instagram     

When your child is anxious, lonely or flat… your instinct is to comfort them. But what if the fastest way to help them feel better isn’t self-care — it’s helping someone else? New research reveals a powerful mental health shift that happens when kids practise kindness outward instead of inward. The results are surprising — and incredibly practical for everyday family life. In this Doctor’s Desk episode, we unpack the science behind the “kindness paradox” and show you exactly how to use it at home this week. KEY POINTS A study of 777 adults found helping others reduced depression, anxiety and loneliness. Self-kindness reduced depression — but didn’t touch anxiety or loneliness. Kindness toward others builds connection, and connection is at the core of mental health. Feeling like you matter changes everything. Small acts (compliments, thank you notes, cookie drops) create powerful emotional shifts. Teaching kids outward kindness may be one of the simplest wellbeing tools available. QUOTE OF THE EPISODE “The fastest way to feel better about yourself is to help someone else feel better about their life.” RESOURCES MENTIONED Study published in Emotion on prosocial vs self-focused kindness interventions The concept of “mattering” in psychological wellbeing research ACTION STEPS FOR PARENTS Ask at dinner: “Who did you help today?” Plan one small act of kindness as a family this week. Encourage compliments to strangers, teachers or friends. Write one handwritten thank-you note together. Repeat it next week — aim for three acts of kindness. See omnystudio.com/listener for privacy information.

November 11, 1985

In this episode, Brian explores a powerful framework for understanding whether the struggle is a me issue, we issue, or he issue, and why couples who want the same goal (full healing and peace) often approach it in very different ways.You'll learn practical, low-pressure questions you can ask to spark better conversations, reduce defensiveness, and encourage real engagement in the healing process.If you're exhausted from pushing and ready for a wiser way forward, this episode will give you perspective, and practical tools, to help you move toward healing together.Yes, you can move beyond the pain and get the life you want.www.beyondaffairs.com 360.306.3367

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Sonia Balfour-Fears. Here you go — a clean, structured summary of the Sonia Balfour‑Fears interview with Rushion McDonald, plus purpose, key takeaways, and notable quotes, all based on the transcript you provided. SUMMARY OF THE INTERVIEW In this Money Making Conversations Masterclass episode, Rushion McDonald interviews Sonia Balfour‑Fears, a high‑ranking Global Sports & Entertainment Director and Financial Advisor at Morgan Stanley. Sonia discusses the Black wealth gap, financial literacy, investing basics, barriers that minorities face in wealth-building, and the realities of long-term investing. She emphasizes education, discipline, and access as critical factors for closing the wealth gap. She also explains how investors of different ages—from young adults to retirees—share a common need: guidance and a financial plan. Sonia breaks down misconceptions about stock market participation, cryptocurrency, “hot stocks,” risk tolerance, dividend investing, and the best way to start investing even with small amounts of money. Throughout the interview, Sonia provides approachable frameworks for beginners—emergency funds, diversified investing, index funds—and stresses that it’s never too late to begin investing, even at age 60 or older. PURPOSE OF THE INTERVIEW The interview aims to: 1. Educate listeners on financial literacy Sonia explains fundamentals such as emergency funds, risk tolerance, asset allocation, diversification, and long‑term wealth building. 2. Address misconceptions about minority participation in investing She clarifies that minority participation is rising but that more people need professional guidance rather than DIY risk-taking. 3. Provide practical starting points for new investors She gives clear steps for people with small amounts of money and explains how to build wealth intentionally. 4. Encourage multigenerational financial conversations Sonia discusses creating the first African‑American mother‑daughter wealth management team, emphasizing the importance of knowledge transfer. 5. Inspire listeners to rethink age and investing She strongly argues that it is never too late to start building wealth. KEY TAKEAWAYS 1. Closing the Black Wealth Gap Requires Knowledge + Access Wealth-building is tied to discipline, education, and opportunity. Financial literacy helps people understand how money works so they can build long-term wealth..txt) 2. Discipline Is as Important as Income Sonia compares investing discipline to waking up early, exercising, and staying consistent with lifestyle habits..txt) 3. Everyone — Young or Old — Needs Professional Financial Guidance Clients in their 20s and clients nearing retirement share a common need:a roadmap created by someone who does this every day..txt) 4. Minorities Are Investing More — But Not Always With Advisors Many young minorities enter through crypto or apps, but they often lack solid planning..txt) 5. Cryptocurrency Isn’t for Everyone Morgan Stanley limits Bitcoin access to accredited investors with at least $1M on the platform due to high volatility..txt) 6. How to Start Investing: Build an Emergency Fund First 6 months of expenses if single; 3 months if married. After that, “start where you are”—even $100/month..txt) 7. Avoid “Hot Stock” Thinking Sonia discourages short-term stock chasing. Recommends S&P 500 index funds instead of individual picks..txt) 8. Risk Tolerance Shapes Your Portfolio Aggressive = stocks. Conservative = more fixed income. Use personal behavior (e.g., gambling habits) to assess risk comfort..txt) 9. It Is Never Too Late to Invest A 60-year-old caller is reminded she could live to 90–95; that’s 30 years to grow investments..txt) 10. Dividend Stocks Provide Strong Income Today Dividend-paying stocks often yield more income than bonds in today’s market..txt) NOTABLE QUOTES (from transcript) On Closing the Wealth Gap “Education is another way… to understand the different components of building wealth.”.txt) On Discipline “It’s the discipline to really… be intentional about understanding what your money can do for you.”.txt) On Minority Participation “I really see a lot more minorities getting into investing… but working with a financial professional, not as many.”.txt) On Crypto + Risk “We set the criteria very high because the potential for loss is tremendous. So is the potential for gain.”.txt) On Starting with Small Amounts “You start where you are. And if it’s $100 a month, that’s where you start.”.txt) On ‘Hot Stocks’ “Our team primarily focuses on longer‑term investing… it’s all about asset allocation.”.txt) On Being 60 and Beginning to Invest “It is definitely, definitely not too late… If you’re close to 60, we anticipate you’ll live to 90 or 95.”.txt) On Dividend Investing “You get more income from dividends these days than you do from bonds.”.txt) #SHMS #STRAW #BESTSteve Harvey Morning Show Online: http://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

Cynthia Lee shares her rich family history, cherished memories of growing up in Grayslake, and decades of dedicated community service. From her roots in local organizations to her roles as Village Clerk and volunteer, Cynthia's stories highlight Grayslake's small-town charm and enduring spirit. She discusses her love of gardening, collecting, and supporting her grandchildren's hockey adventures, all while reflecting on the town's growth and traditions. Discovering Grayslake: Lessons in Community, Heritage, and Service from Cynthia Lee Grayslake, Illinois, is more than just a dot on the map—it's a living tapestry of family, tradition, and community spirit. In a recent episode of the "Discovering Grayslake" podcast, lifelong resident Cynthia Lee shared her remarkable story, offering listeners a heartfelt glimpse into the town's past and present. Cynthia's journey is a masterclass in the value of deep roots, civic engagement, and the enduring power of small-town connections. Whether you're a Grayslake native, a newcomer, or someone seeking inspiration for community involvement, Cynthia's insights provide a roadmap for building a meaningful life in any hometown. Let's dive into the key themes and actionable lessons from her interview. Table of Contents The Power of Family Heritage Embracing Community Service Preserving Local History Building Traditions and Giving Back Staying Engaged and Lifelong Learning Celebrating Hobbies and Personal Passions Showcasing Your Hometown Final Thoughts: The Heart of Grayslake 1. The Power of Family Heritage  Cynthia's story begins with her deep family roots in Grayslake and the surrounding area. Her ancestors, George and Sarah Reichenbach, settled in Deerfield in the 1860s, and her family has been intertwined with Grayslake's growth ever since. Actionable Advice: Document Your Family History:** Cynthia's family has preserved love letters, recipes, and even created a family website. Start by interviewing older relatives, digitizing photos, and recording family stories. Share Traditions:** Cynthia keeps her grandmother's tulip-shaped Christmas cookie tradition alive. Pass down recipes, crafts, or holiday rituals to younger generations. Connect with Local Historical Societies:** These organizations can help you trace your roots and contribute to the broader story of your town. Expert Insight:   Family heritage isn't just about nostalgia—it's a foundation for community identity. By honoring your roots, you help preserve the unique character of your hometown. 2. Embracing Community Service  Cynthia's life is a testament to the impact of civic engagement. Inspired by her father—a volunteer fire chief for 48 years—she has served as Grayslake's Village Clerk for over two decades and volunteered with numerous local organizations. Actionable Advice: Start Small, Stay Consistent:** Cynthia began volunteering on the library board and gradually expanded her involvement. Choose one cause that resonates with you and commit to regular participation. Leverage Your Skills:** Cynthia's background in HR and billing made her an asset in administrative roles. Identify your strengths and offer them to local nonprofits, schools, or clubs. Mentor the Next Generation:** Cynthia's family tradition of service continues with her children and grandchildren. Encourage young people to volunteer alongside you. Expert Insight:   Long-term community service builds trust, leadership skills, and a sense of belonging. Even small contributions—like helping at a pancake breakfast—can have a ripple effect. 3. Preserving Local History  As a board member and treasurer of the Grayslake Historical Society, Cynthia played a key role in documenting and sharing the town's story, including helping publish "The Portrait of Grayslake." Actionable Advice: Support Local Museums and Societies:** Attend events, donate artifacts, or volunteer your time. Record Oral Histories:** Interview longtime residents and preserve their stories for future generations. Promote Community Publications:** Help create or distribute books, newsletters, or digital archives about your town. Expert Insight:   Preserving history isn't just about the past—it's about giving your community a sense of continuity and pride. 4. Building Traditions and Giving Back  Cynthia's involvement with the Lions Club, Exchange Club, and Colts football team highlights the importance of local traditions and service projects. Actionable Advice: Participate in Local Fundraisers:** Events like the Lions Club pancake breakfast not only raise money but also strengthen community bonds. Support Youth Activities:** Volunteer for local sports teams, scout troops, or after-school programs. Champion New Initiatives:** Cynthia helped launch a children's sight and hearing screening program. Look for unmet needs in your community and help fill the gap. Expert Insight:   Traditions create shared memories and a sense of belonging. By supporting or starting community events, you help weave the social fabric of your town. 5. Staying Engaged and Lifelong Learning  Even after retiring from a 33-year career in HR and billing, Cynthia remained active—working part-time, volunteering, and staying informed about local happenings. Actionable Advice: Stay Curious:** Attend town meetings, read local news, and ask questions about changes in your community. Keep Learning:** Take up new hobbies, join clubs, or enroll in adult education classes. Share Your Knowledge:** Cynthia's willingness to provide notes and context for her interview is a reminder to pass on what you know. Expert Insight:   Active engagement keeps you mentally sharp and socially connected, no matter your age. 6. Celebrating Hobbies and Personal Passions  Cynthia's love of gardening, canning, collecting clocks, keys, and glass shoes, and following her grandkids' hockey games, shows the value of personal interests. Actionable Advice: Cultivate a Garden:** Whether it's flowers or raspberries, gardening connects you to the land and provides joy (and sometimes delicious jam!). Share Your Hobbies:** Give away homemade goods, display your collections, or teach others your craft. Embrace Technology:** Cynthia learned to stream her grandkids' hockey games online—proof that it's never too late to pick up new tech skills. Expert Insight:   Personal passions enrich your life and can become a bridge to connect with others in your community. 7. Showcasing Your Hometown  When welcoming newcomers or visitors, Cynthia recommends a tour of Grayslake's library, fire department, schools, and downtown churches—highlighting the town's charm and community spirit. Actionable Advice: Be an Ambassador:** Offer to show new residents around, share your favorite local spots, and introduce them to community events. Support Local Businesses:** Frequent the shops, restaurants, and markets that give your town its unique flavor. Celebrate Local Landmarks:** Take pride in your town's history and help preserve its character. Expert Insight:   A welcoming attitude and local knowledge can turn visitors into lifelong residents and advocates for your community. 8. Final Thoughts: The Heart of Grayslake  Cynthia Lee's story is a reminder that the heart of any town is its people. Her lifelong commitment to Grayslake—through family, service, and tradition—offers a blueprint for building a vibrant, resilient community. Key Takeaways: Honor your roots and share your family's story. Get involved—start small, but stay consistent. Preserve and celebrate your town's history. Build and support local traditions. Stay engaged, keep learning, and share your passions. Welcome newcomers and showcase what makes your hometown special. Whether you're in Grayslake or any other community, Cynthia's example shows that a life of service, curiosity, and connection is the true secret to loving where you live. Are you inspired by Cynthia's story? Share your own community involvement tips or favorite Grayslake memories in the comments below! And don't forget to subscribe to "Discovering Grayslake" for more hometown stories and insights. Written with a professional yet friendly, hometown touch—because every great community starts with neighbors who care.

In this episode, we're talking about two practical strategies to grow your audience: collaborations and giveaways.CollaborationsThere are several ways to collaborate with someone who serves a similar audience:* Trade lead magnets and share each other's free resources* Create something together (like a devotional, challenge, or workshop) and promote it to both audiences* Participate in or host an online summit for expanded reachThe key is finding someone with overlapping—but not competing—messages so you both serve your audiences well.GiveawaysGiveaways can also help grow your platform when done strategically.* Solo giveaways: Offer a signed book or a resource related to your message. Encourage people to subscribe, like, comment, or share to enter—and be sure to include your current subscribers.* Group giveaways: Partner with others to offer a larger prize and expand your reach. Tools like King Sumo can help manage entries.Remember: growth isn't just about numbers—it's about attracting the right people who genuinely connect with your message.If this feels overwhelming, don't worry. You don't have to do everything. In an upcoming episode, we'll talk about how to discern which strategies are the best fit for you.Resources:Schedule a free discovery call to see how coaching can help you get unstuck.Sign up for Pen Points, a weekly email to encourage you in your writing. Watch the podcast on YouTube.Read the blog version of the podcast.Download the “Christian Writer's Mindset Makeover”.The Purposeful Pen is a weekly podcast for Christian writers designed to help you build a writing life with eternal impact. Each week you'll hear practical tips and Biblical truth on topics such as improving your writing, honing your message, and managing your time. I always respond to listener emails and I'd love to hear from you! Amysimon@amylynnsimon.com This is a public episode. If you would like to discuss this with other subscribers or get access to bonus episodes, visit amylynnsimon.substack.com

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Sonia Balfour-Fears. Here you go — a clean, structured summary of the Sonia Balfour‑Fears interview with Rushion McDonald, plus purpose, key takeaways, and notable quotes, all based on the transcript you provided. SUMMARY OF THE INTERVIEW In this Money Making Conversations Masterclass episode, Rushion McDonald interviews Sonia Balfour‑Fears, a high‑ranking Global Sports & Entertainment Director and Financial Advisor at Morgan Stanley. Sonia discusses the Black wealth gap, financial literacy, investing basics, barriers that minorities face in wealth-building, and the realities of long-term investing. She emphasizes education, discipline, and access as critical factors for closing the wealth gap. She also explains how investors of different ages—from young adults to retirees—share a common need: guidance and a financial plan. Sonia breaks down misconceptions about stock market participation, cryptocurrency, “hot stocks,” risk tolerance, dividend investing, and the best way to start investing even with small amounts of money. Throughout the interview, Sonia provides approachable frameworks for beginners—emergency funds, diversified investing, index funds—and stresses that it’s never too late to begin investing, even at age 60 or older. PURPOSE OF THE INTERVIEW The interview aims to: 1. Educate listeners on financial literacy Sonia explains fundamentals such as emergency funds, risk tolerance, asset allocation, diversification, and long‑term wealth building. 2. Address misconceptions about minority participation in investing She clarifies that minority participation is rising but that more people need professional guidance rather than DIY risk-taking. 3. Provide practical starting points for new investors She gives clear steps for people with small amounts of money and explains how to build wealth intentionally. 4. Encourage multigenerational financial conversations Sonia discusses creating the first African‑American mother‑daughter wealth management team, emphasizing the importance of knowledge transfer. 5. Inspire listeners to rethink age and investing She strongly argues that it is never too late to start building wealth. KEY TAKEAWAYS 1. Closing the Black Wealth Gap Requires Knowledge + Access Wealth-building is tied to discipline, education, and opportunity. Financial literacy helps people understand how money works so they can build long-term wealth..txt) 2. Discipline Is as Important as Income Sonia compares investing discipline to waking up early, exercising, and staying consistent with lifestyle habits..txt) 3. Everyone — Young or Old — Needs Professional Financial Guidance Clients in their 20s and clients nearing retirement share a common need:a roadmap created by someone who does this every day..txt) 4. Minorities Are Investing More — But Not Always With Advisors Many young minorities enter through crypto or apps, but they often lack solid planning..txt) 5. Cryptocurrency Isn’t for Everyone Morgan Stanley limits Bitcoin access to accredited investors with at least $1M on the platform due to high volatility..txt) 6. How to Start Investing: Build an Emergency Fund First 6 months of expenses if single; 3 months if married. After that, “start where you are”—even $100/month..txt) 7. Avoid “Hot Stock” Thinking Sonia discourages short-term stock chasing. Recommends S&P 500 index funds instead of individual picks..txt) 8. Risk Tolerance Shapes Your Portfolio Aggressive = stocks. Conservative = more fixed income. Use personal behavior (e.g., gambling habits) to assess risk comfort..txt) 9. It Is Never Too Late to Invest A 60-year-old caller is reminded she could live to 90–95; that’s 30 years to grow investments..txt) 10. Dividend Stocks Provide Strong Income Today Dividend-paying stocks often yield more income than bonds in today’s market..txt) NOTABLE QUOTES (from transcript) On Closing the Wealth Gap “Education is another way… to understand the different components of building wealth.”.txt) On Discipline “It’s the discipline to really… be intentional about understanding what your money can do for you.”.txt) On Minority Participation “I really see a lot more minorities getting into investing… but working with a financial professional, not as many.”.txt) On Crypto + Risk “We set the criteria very high because the potential for loss is tremendous. So is the potential for gain.”.txt) On Starting with Small Amounts “You start where you are. And if it’s $100 a month, that’s where you start.”.txt) On ‘Hot Stocks’ “Our team primarily focuses on longer‑term investing… it’s all about asset allocation.”.txt) On Being 60 and Beginning to Invest “It is definitely, definitely not too late… If you’re close to 60, we anticipate you’ll live to 90 or 95.”.txt) On Dividend Investing “You get more income from dividends these days than you do from bonds.”.txt) #SHMS #STRAW #BESTSupport the show: https://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Sonia Balfour-Fears. Here you go — a clean, structured summary of the Sonia Balfour‑Fears interview with Rushion McDonald, plus purpose, key takeaways, and notable quotes, all based on the transcript you provided. SUMMARY OF THE INTERVIEW In this Money Making Conversations Masterclass episode, Rushion McDonald interviews Sonia Balfour‑Fears, a high‑ranking Global Sports & Entertainment Director and Financial Advisor at Morgan Stanley. Sonia discusses the Black wealth gap, financial literacy, investing basics, barriers that minorities face in wealth-building, and the realities of long-term investing. She emphasizes education, discipline, and access as critical factors for closing the wealth gap. She also explains how investors of different ages—from young adults to retirees—share a common need: guidance and a financial plan. Sonia breaks down misconceptions about stock market participation, cryptocurrency, “hot stocks,” risk tolerance, dividend investing, and the best way to start investing even with small amounts of money. Throughout the interview, Sonia provides approachable frameworks for beginners—emergency funds, diversified investing, index funds—and stresses that it’s never too late to begin investing, even at age 60 or older. PURPOSE OF THE INTERVIEW The interview aims to: 1. Educate listeners on financial literacy Sonia explains fundamentals such as emergency funds, risk tolerance, asset allocation, diversification, and long‑term wealth building. 2. Address misconceptions about minority participation in investing She clarifies that minority participation is rising but that more people need professional guidance rather than DIY risk-taking. 3. Provide practical starting points for new investors She gives clear steps for people with small amounts of money and explains how to build wealth intentionally. 4. Encourage multigenerational financial conversations Sonia discusses creating the first African‑American mother‑daughter wealth management team, emphasizing the importance of knowledge transfer. 5. Inspire listeners to rethink age and investing She strongly argues that it is never too late to start building wealth. KEY TAKEAWAYS 1. Closing the Black Wealth Gap Requires Knowledge + Access Wealth-building is tied to discipline, education, and opportunity. Financial literacy helps people understand how money works so they can build long-term wealth..txt) 2. Discipline Is as Important as Income Sonia compares investing discipline to waking up early, exercising, and staying consistent with lifestyle habits..txt) 3. Everyone — Young or Old — Needs Professional Financial Guidance Clients in their 20s and clients nearing retirement share a common need:a roadmap created by someone who does this every day..txt) 4. Minorities Are Investing More — But Not Always With Advisors Many young minorities enter through crypto or apps, but they often lack solid planning..txt) 5. Cryptocurrency Isn’t for Everyone Morgan Stanley limits Bitcoin access to accredited investors with at least $1M on the platform due to high volatility..txt) 6. How to Start Investing: Build an Emergency Fund First 6 months of expenses if single; 3 months if married. After that, “start where you are”—even $100/month..txt) 7. Avoid “Hot Stock” Thinking Sonia discourages short-term stock chasing. Recommends S&P 500 index funds instead of individual picks..txt) 8. Risk Tolerance Shapes Your Portfolio Aggressive = stocks. Conservative = more fixed income. Use personal behavior (e.g., gambling habits) to assess risk comfort..txt) 9. It Is Never Too Late to Invest A 60-year-old caller is reminded she could live to 90–95; that’s 30 years to grow investments..txt) 10. Dividend Stocks Provide Strong Income Today Dividend-paying stocks often yield more income than bonds in today’s market..txt) NOTABLE QUOTES (from transcript) On Closing the Wealth Gap “Education is another way… to understand the different components of building wealth.”.txt) On Discipline “It’s the discipline to really… be intentional about understanding what your money can do for you.”.txt) On Minority Participation “I really see a lot more minorities getting into investing… but working with a financial professional, not as many.”.txt) On Crypto + Risk “We set the criteria very high because the potential for loss is tremendous. So is the potential for gain.”.txt) On Starting with Small Amounts “You start where you are. And if it’s $100 a month, that’s where you start.”.txt) On ‘Hot Stocks’ “Our team primarily focuses on longer‑term investing… it’s all about asset allocation.”.txt) On Being 60 and Beginning to Invest “It is definitely, definitely not too late… If you’re close to 60, we anticipate you’ll live to 90 or 95.”.txt) On Dividend Investing “You get more income from dividends these days than you do from bonds.”.txt) #SHMS #STRAW #BESTSee omnystudio.com/listener for privacy information.

Meetings don't have to drain time or energy. In fact, they can become one of the most effective tools in a well-run practice! In this episode of the Everyday Oral Surgery Podcast, Dr. Grant Stucki welcomes back Dr. Roger Levin, founder and CEO of Levin Group, for a focused discussion on conducting effective daily business meetings, also known as morning huddles. Dr. Levin challenges the idea that meetings are inherently inefficient and explains why, when done well, they're essential for clear communication in busy oral surgery practices. He breaks down ten practical rules for running effective daily meetings, showing how short, structured check-ins help organize the day, reduce interruptions, and keep teams aligned. The conversation also clarifies what belongs in a daily meeting versus a monthly staff meeting and why office managers play a critical role in setting agendas, managing time, and maintaining focus. Tune in for practical guidance on turning daily meetings into a reliable system that supports efficiency, leadership, and teamwork in your practice!Key Points From This Episode:How meetings gained a reputation as inefficient in business.Why oral surgery practices rely on meetings more than most industries.Three essential meetings for practices: daily business, monthly staff, and annual strategy.A breakdown of Dr. Levin's ten rules for daily business meetings.Rule 1: Start with why and a clear agenda for every meeting.Rule 2: Define the objective so everyone knows what the meeting is for.Rule 3: Invite only the people who truly need to be in the meeting.Rule 4: Start on time and end on time to show respect and leadership.Rule 5: Appoint a facilitator to run and control the meeting.Rule 6: Keep updates brief to maintain focus and momentum.Rule 7: Use a “parking lot” to keep discussions on agenda and save off-topic ideas for later.Rule 8: Encourage participation so meetings stay relevant and engaging.Rule 9: Document action items, assign them, and give deadlines.Rule 10: Follow up immediately so meetings lead to real action.Why short, consistent daily meetings outperform long, infrequent ones.Links Mentioned in Today's Episode:Dr. Roger Levin — https://www.linkedin.com/in/roger-levin-69ab744/ Levin Group — https://levingroup.com/Office Manager Practice Mastery Program — https://levingroup.com/office-manager-practice-mastery-program/Episode 313 — https://podcasts.apple.com/us/podcast/10-power-tips-for-multi-office-practice-growth-with-dr/id1535284898?i=1000717140271Episode 343 —Episode 346 —Everyday Oral Surgery Website — https://www.everydayoralsurgery.com/ Everyday Oral Surgery on Instagram — https://www.instagram.com/everydayoralsurgery/ Everyday Oral Surgery on Facebook — https://www.facebook.com/EverydayOralSurgery/Dr. Grant Stucki Email — grantstucki@gmail.comDr. Grant Stucki Phone — 720-441-6059

“Send Coach John a message”This one came from someone that I've been connecting with for a long time and yet, this message is as fresh and powerful as seeing it for the first time. Jon Gordon (@JonGordon11) shared this gem:  “The word ‘encourage' means to ‘put courage' into someone.  Encourage someone today and give them some courage to take on the day.”  Jon Gordon is right on target with this message. The world needs this now more than ever. You know something… every time I say that “the world needs it now more than ever”, I really mean it!! Also remember, it's the little things done all around us that add up to BIG things that help so many people around the world. I love this message and I think we can all do exactly what it says!!  Thanks for listening.  Please take a few moments to subscribe & share this with someone, also leave a 5 Star rating on Apple Podcasts and ITunes or other services where you find this show.  Find me on Facebook:  https://www.facebook.com/coachtoexpectsuccess/   on Twitter / “X”:  @coachtosuccess   and on Instagram at:  @coachjohndaly  - My YouTube Channel is at: Coach John Daly.   Email me at: CoachJohnDalyPodcast@gmail.com     You can also head on over to https://www.coachtoexpectsuccess.com/ and get in touch with me there on my homepage along with checking out my Top Book list too.  Other things there on my site are being worked on too.  Please let me know that you are reaching out to me from my podcast.  ** I would appreciate anyone to try clicking on the top of the show notes where it says "Send us a text" to leave a few thoughts / comments / questions.  It's a new feature that I'd like to see how it works. **

We hope this message encourages and inspires you!Want more like this from CoastLife Church?YouTube: CoastLife Church - YouTubeFacebook: https://www.facebook.com/mycoastlifechurchInstagram: https://instagram.com/coastlifechurch...GIVE: https://www.mycoastlifechurch.com/giveLooking to get connected? We'd love to meet you! We offer several different ways to connect and be in community: Join a Together Group, Register for CoastLife+, or become a part of our Serve Team today by visiting: CoastLife Connect Card - CoastLife Church (churchcenter.com)Give: To support and be a part of or growth and global impact click here: https://www.mycoastlifechurch.com/give

NO PODCAST (voice production) this week, as John has been sick and has no voice! So, written comments only. Hope to be back in tune next week!*********************************************************************************************************Hey gang — thanks for the comments and encouragement! Please keep them coming along with your requests and suggestions. I am playing around a bit with the format this week — putting a little more “meat” into each scripture section with preaching notes, some pastoral commentary with application, and a possible preaching thread to tie all the passages together. You can tell me if it works or not!RCL TextsExodus 17:1–7Israel is in the wilderness with no water, and panic turns into accusation: “Why did you bring us out here to die?” Their fear shows how quickly hardship can erase memory of God's past faithfulness. Moses cries out, and God tells him to strike the rock at Horeb. Water comes from an impossible place. The site is named Massah (“testing”) and Meribah (“quarreling”) because the people tested the Lord by asking whether God was really with them. The passage holds both human distrust and divine provision side by side. “Moses Strikes the Rock” from reformconfess.com)Preaching note:This is not just a “don't complain” text. It's a story about fear under pressure and God's mercy in the middle of distrust. Israel's panic is real; God's provision is still real.Pastoral caution:Don't shame people for anxiety, grief, or survival-level stress by flattening this into “faithful people never question God.”Application move:Invite people to name one “wilderness fear” honestly in prayer this week, then pair it with one remembered sign of God's faithfulness from their own life.Psalm 95The psalm begins as a joyful call to worship: come singing, kneeling, and remembering that we belong to the God who made and shepherds us. Then it pivots hard into warning: “Today, if you hear his voice, do not harden your hearts.” It recalls the wilderness rebellion, where people saw God's works but still resisted trust. That contrast is the point — true worship is not just praise language; it is responsive, obedient listening in the present moment (“today”).Preaching note:The psalm links praise and obedience. It starts in celebration but insists that worship without listening becomes hollow.Pastoral caution:Avoid using “do not harden your hearts” as a weapon against wounded people who need time, safety, and patience.Application move:Give a simple daily practice: before bed, ask, “Where did I resist God today? Where did I respond?”Romans 5:1–11Paul describes what justification by faith produces: peace with God through Jesus Christ, access to grace, and a hope rooted in God's glory. He then deepens it: suffering is not proof God has abandoned us; in Christ, suffering can shape endurance, character, and hope. This hope does not collapse because God's love has already been poured into believers by the Holy Spirit. The center of the passage is God's initiative: Christ died for us “while we were still sinners.” Reconciliation is not earned by moral improvement; it is received as gift and then lived out with confidence and gratitude.Preaching note:Paul is not romanticizing suffering. He is saying suffering is no longer meaningless in Christ because God's love and reconciliation come first, not last.Pastoral caution:Never imply people should be grateful for trauma or that pain automatically produces maturity.Application move:Encourage people to replace self-condemning language with Romans 5 language this week: “I have peace with God,” “I stand in grace,” “I am reconciled in Christ.”John 4:5–42Jesus meets a Samaritan woman at Jacob's well and asks for water, crossing social, ethnic, religious, and gender barriers in one move. The conversation shifts from literal water to “living water,” then to her real life. Jesus names her story truthfully but without shaming her, and she stays in the conversation rather than withdrawing. She recognizes him first as prophet, then in messianic terms, and becomes a witness to her town: “Come and see.” Many Samaritans believe, first through her testimony and then through encountering Jesus themselves. The text shows evangelism as overflow from being truly seen and offered grace.Preaching note:Jesus meets someone at social and spiritual distance, begins with a request, tells truth without humiliation, and turns a marginalized person into a messenger.Pastoral caution:Do not preach this text in a way that reduces the woman to a stereotype of sexual failure; the text's center is revelation, dignity, and mission.Application move:Call the church to one “well-side conversation” this week: listen to someone outside their normal circle with curiosity, not agenda.A Sermon Outline: “When You're Running on Empty”Core claim: God meets thirsty people with mercy, truth, and living water.Opening (Name the thirst)• “Most people aren't living rebellious lives; they're living depleted lives.”• Name common thirsts: peace, clarity, forgiveness, belonging, hope.• Bridge line: “Today's texts are for people running on empty.”Exodus 17 (Fear + Provision)• Israel has no water; fear turns to accusation.• They ask: “Is the Lord among us or not?”• God brings water from a rock — provision in an impossible place.Pastoral sentence: “God is not surprised by panic prayers.”Psalm 95 (Worship + Listening)• Starts with praise, shifts to warning.• Worship is not only singing; it is hearing and responding: “Today… do not harden your hearts.”Key line: “A lifted voice means little with a closed heart.”John 4 (Living Water + Honest Grace)• Jesus crosses boundaries to meet the Samaritan woman.• He asks for water, offers living water, tells truth without humiliation.• She becomes a witness: “Come and see.”Pastoral sentence: “Jesus does not expose people to shame them; he reveals truth to heal them.”Romans 5 (Peace + Hope)• Justified by faith → peace with God.• Access to grace is present reality, not future possibility.• Suffering is real, but not final; hope does not disappoint because God's love is poured out by the Spirit.• Christ died for us while we were still sinners.Key line: “Your standing with God is grounded in Christ's work, not your performance.”An IllustrationA healthy family doesn't erase a child's place at the table because of one bad day.Imagine a kid who has a meltdown, talks back, slams a door, and fails a test all in the same week. There are still consequences. There are still conversations. But at dinner, the plate is still there. The name is still theirs. The address hasn't changed.That's the distinction Romans 5 helps us make: discipline is real, but belonging is deeper.Paul says we are “justified by faith” and therefore “have peace with God through our Lord Jesus Christ.” He doesn't say, “We have peace with God because this week we behaved well.” He says our standing with God is through Christ. That means our relationship is not recalculated every morning by our spiritual performance score.So yes, Christians confess sin. Yes, we repent. Yes, we grow.But we do all of that from grace, not for grace.From belonging, not trying to earn belonging.Concrete Application (This Week)Choose one:1. Name your thirst honestly before God (no editing).2. Take one reconciliatory step (call, apology, forgiveness, boundary).3. Have one well-side conversation with someone outside your normal circle.4. Pray nightly: “Lord Jesus, give me living water for tomorrow.”Narrative Lectionary, March 8, 2026 (Lent 3) the text is:Narrative LectionaryJohn 18:12–27 — Jesus before Annas; Peter's denial1) Expanded Text SummaryJesus is arrested and brought first to Annas, the former high priest, in a scene where political power, religious authority, and fear are all in play. Jesus is questioned about his disciples and teaching, but he responds with calm clarity: he has spoken openly, not in secret. He is struck for answering, and the legal process already feels tilted before formal charges are even set. In parallel, Peter stands in the courtyard and is asked if he belongs to Jesus. Three times he denies it, and the rooster crows. The passage intentionally contrasts Jesus' steady public witness with Peter's anxious self-protection, showing both the cost of discipleship and the fragility of even devoted followers.2) Major Themes• Truth under pressure• Public courage vs private fear• The loneliness of faithful witness• Failure is real, but not final (as the larger Peter arc shows)3) Preaching Arc * 1. Name the pressure — fear changes what people say and do.* 2. Watch Jesus — clear, non-defensive, truthful in hostile space.* 3. Watch Peter — close enough to observe Jesus, not steady enough to confess him.* 4. Name ourselves in the text — we're often both: courageous sometimes, evasive sometimes.* 5. Gospel turn — Jesus remains faithful even when his friends fail him.4) Preaching Notes + Caution + ApplicationPreaching note:John places Jesus' hearing and Peter's denial side by side so the congregation feels the contrast: Jesus bears witness at personal cost; Peter avoids cost by distancing himself.Pastoral caution:Don't preach Peter as a cartoon hypocrite. Fear responses are human, especially when people feel exposed or unsafe.An IllustrationThink about how courage usually fails.It's rarely in dramatic, movie-scene moments. It fails in ordinary settings — by a fire, in a hallway, in a break room, in a group chat. No one is threatening prison. No one is holding a weapon. But social risk feels real: embarrassment, exclusion, eye-rolls, being labeled, losing status.A person can be bold in principle and shaky in practice.On Sunday, they say, “I'll stand with Jesus no matter what.”On Tuesday, someone asks a simple question — “You don't really believe that, do you?” — and they pivot, soften, dodge, or joke their way out of clarity.That's Peter in John 18.He's not indifferent to Jesus. He followed Jesus into danger.He's not evil. He's scared.He wants proximity without exposure, closeness without cost.And that is exactly why he is so relatable.The good news is not “real disciples never falter.”The good news is “Jesus remains faithful when disciples falter.”Failure is real, but it is not final.The rooster crow is not just exposure — it's invitation back.Application move:Invite one concrete “truthful confession” this week:• owning faith in a conversation,• admitting a moral compromise, or• choosing honesty where silence is easier. This is a public episode. If you would like to discuss this with other subscribers or get access to bonus episodes, visit lectionarypro.substack.com

In this episode of American Dream Factory, Nick Smoot sits down with Morgan Dixon, a 24-year-old PhD student in artificial intelligence and machine learning at the University of Idaho.Morgan represents a rare but replicable archetype: a young man preparing to launch into the world with technical competence, grounded character, and calm confidence. While many of his peers feel uncertain about the future of work, Morgan is building inside it. He works as a consulting data scientist and software engineer, contributing to healthcare and behavioral health systems, including AI-driven modernization efforts connected to state-level crisis infrastructure.This conversation is not about hype. It is about formation.It is about how young men develop direction in an era of automation, distraction, and drift.What This Episode Covers:The Launch PathMorgan shares how his path was shaped by:Early entrepreneurship in his teensDual enrollment in high schoolPivoting degrees after academic setbacksWalking resumes door-to-door in SeattleWorking full-time while pursuing graduate studiesHis story reinforces a simple truth: initiative compounds.Proof of Work Over CredentialsA degree is common. Proof of execution is rare.Morgan explains why many computer science graduates are struggling and why building real projects, writing models, and demonstrating competence now matter more than ever. In a world where AI lowers the barrier to entry, differentiation requires depth, discipline, and visible output.AI Is Changing the Shape of OpportunityThe conversation explores:How AI has democratized software developmentWhy domain expertise now matters more than surface coding abilityWhy Morgan is exploring hardware and security-heavy industriesWhat he has learned from working inside healthcare data and reimbursement systemsInnovation follows incentives. Understanding those incentives creates leverage.Healthcare and Government as Builder EnvironmentsMorgan offers insight into working within healthcare and state systems:Data fragmentation and interoperability challengesBilling structures that shape innovationThe need for simplicity in behavioral health and remote monitoringThe patience required to work in public infrastructureThese are complex systems that reward serious builders.Raising Men Who BuildNick asks a direct question:“What should I do so my kid's not a turd?”Morgan's answer is direct:Send them into the real world.Have them job shadow.Let them see real work.Expose them to adults who build and solve problems.Direction comes from exposure. Confidence comes from competence. Drift comes from isolation.Key TakeawaysFor young men:Stop waiting. Go build something.Meet people in person. Initiative creates luck.Develop technical depth and real-world exposure.Do hard things before you feel ready.For parents:Exposure beats lectures.Responsibility builds identity.Encourage initiative, not comfort.In an era where machines are accelerating and many young people feel unmoored, this episode offers a grounded alternative: calm confidence, technical competence, and the discipline to build.Learn more at buildcities.com or Morgan Dixon

Karl Bastian Podcast #222 – Making Sunday the BEST DAY of a Kid's Week (with Micah Gilbert)What does it really take to make Sunday the BEST day of a kid's week?In this episode, Karl sits down with longtime ministry partner Micah Gilbert — a devoted volunteer who has served alongside him for over a decade — to unpack what truly makes a children's ministry unforgettable.Rather than just talking theory, Karl surprises Micah with old ministry photos from years past and invites him to respond in real time. Each picture sparks stories, lessons, and practical insights about energy, excellence, creativity, consistency, and heart — all centered around one goal: making Sunday something kids look forward to all week long.You'll discover:• Why fun alone isn't enough — but it absolutely matters• How intentional moments shape lasting memories• The power of consistency and culture over time• What kids actually remember (and what they don't)• How volunteers play a critical role in creating an environment kids loveThis episode is equal parts practical, nostalgic, and inspiring. If you want kids leaving church saying, “I can't wait for next Sunday!” — this conversation will challenge and equip you.Share with Kidology.org/podcast222THE KARL BASTIAN PODCAST (Formerly KidminTalk) is the Podcast of "Kidologist" Karl Bastian, founder of Kidology.org and host of The Karl Bastian Podcast. He is a children's pastor, speaker and entertainer. His life mission is to Equip and Encourage those who minister to children.KarlBastian.club is home to Karl's coaching - check it out today!Listen to past editions of this podcast at KarlBastianPodcast.comSend Support via: Kidology.org/donatePLEASE SUBSCRIBE and HIT THAT ALERT BUTTON TOO!Follow Karl:Subscribe at KarlBastian.clubBlog: Kidologist.comFacebook: Facebook.com/karl.bastianTwitter: @KidologistInstagram: @KarlBastian or @KidologyorgSupport the show

1 Samuel 30:1-8

1 Samuel 30:1-8

This weekend, the nonprofit organization Change Today Change Tomorrow wraps up Black History Month with an event called “Black Recharge: Rest and Relaxation.” It's designed to be a day of rest, with yoga, journaling and other self-care practices. Isaiah Scott, one of the event's organizers, spoke with LPM's Michelle Tyrene Johnson about the need for Black people to feed their spirits and relax their minds during stressful times, and how he hopes this event will help.

My friend Eliza Riggs (age 22, RM/Orem Utah, UVU Student) joins us to share her story including: Great Parents, Queer Friendly Home Came out first to her Heavenly Parents—positive experience Felt lots of pressure to fit in the Church as a Bishop's daughter, wasn't working, difficult chapter Joined girl's high school wrestling team—“saved my life” Youth conference and surprising thought to serve a mission Mom buying her rainbow sheets before coming out to her Being called to Orem, Utah (initial disappointment—but then powerful revelation) Great experience coming out to her Mission President Coming out to her parents—super positive Her queer identity is celebrated in heaven Thank you, Eliza, for your courage to share your story which will help so many. You are awesome. Honored to have you on the podcast. Encourage everyone to listen to and share this episode. Links: Eliza's Instagram: @elizariggs31

Take the opportunity. Encourage the interest. Show them that you're interested in what interests them.

Elizabeth Cottrell's career path has been anything but straight. With a graduate degree in human anatomy, she has been a leprosy researcher, published scientist, wife, mother, grandmother, community leader, freelance writer, desktop publisher, musician, and amateur radio operator. Since 2016, she has also served as the first woman to chair the board of First National Corporation and First Bank in its 118-year history. She is the author of HEARTSPOKEN: How to Write Notes that Connect, Comfort, Encourage, and Inspire and speaks and writes widely about the lost art of personal notes. Through her Heartspoken Movement, she encourages people to use note writing as a powerful way to strengthen their most meaningful personal and professional relationships—with family, friends, clients, employees, and donors.

In this episode of Discovering Truth with Dan Duval, Dan unpacks the biblical concept of the heart through both spiritual and psychological lenses. He presents the heart as comparable to the subconscious mind–the internal space where belief systems, emotions, memories, and intuition are formed and stored. Dan explains how the heart is “programmed” through revelation, repetition, and trauma. While healthy inputs can establish truth and stability, harmful programming can distort a person's identity, self-worth, and behavior patterns. These internal distortions often manifest in destructive cycles that feel difficult to break because they originate at a deeper heart level.Drawing from various scriptures, Dan illustrates how the heart functions as a central interface within human design connecting body, soul, and spirit. He emphasizes that true transformation begins when heart beliefs are brought into alignment with God's truth, allowing healing and restoration to flow into every dimension of a person's being.The episode concludes with a reminder that heart transformation is not meant to happen in isolation. Dan highlights the vital role of a safe, supportive community in walking out healing and lasting change.Then we ENCOURAGE you to do 4 QUICK THINGS!!Sign up to be a podcast memberwww.danduval.comBe sure to check out and like our new Facebook page: https://www.facebook.com/DiscoveringTruthNetworkSubscribe to the new podcast YouTube Channel: https://www.youtube.com/channel/UC5nxloF2rt7-dXkjppGHdFAAND Subscribe to our Rumble Channel, where we will post all of our interviews that are TOO HOT for YouTube!DiscoveringTruthNetwork (rumble.com)

Nouveauté podcast. Jérôme Rothen donne ses notes et ses appréciations sur les consultants du soir. Aujourd'hui, Christophe Dugarry et Souleymane Diawara. 

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Dr. Melanye “Dr. Mac.” Maclin joins Rushion McDonald to discuss the serious health risks associated with hair relaxers, permanent dyes, and synthetic braids—particularly among Black women. Drawing from over 25 years of research and patient experience, she explains how chemicals used in these products absorb through the scalp, disrupt hormones, and significantly increase the risks of breast cancer, ovarian cancer, uterine cancer, early puberty, fibroids, and infertility. The conversation also highlights systemic resistance from the beauty industry, government agencies, and even consumers themselves—primarily due to financial incentives and lack of awareness. Dr. Mac advocates for safer hair practices, increased education, and protective measures to reduce exposure. She also discusses her pioneering internal hair‑health supplements, Bella Nutri, for women (2004) and men (2008), and how she helped introduce the U.S. market to nutritional hair support long before it was mainstream. Purpose of the Interview The purpose of the interview is to: 1. Educate listeners about the hidden health dangers …of chemical hair treatments including relaxers, permanent dyes, and synthetic hair containing benzene. 2. Advocate for informed hair‑care decisions Dr. Mac wants women—especially Black women—to understand how beauty practices impact long‑term health. 3. Encourage the beauty industry to adopt safety protocols Such as scalp protection, warning labels, and honest communication about risks. 4. Highlight Dr. Mac’s work and products Including her Bella Nutri supplements and educational platforms (Ask Dr. Mac). 5. Empower parents to protect children By avoiding chemical treatments on young girls whose bodies are especially vulnerable. Key Takeaways 1. Chemical relaxers and permanent hair dyes are strongly linked to increased cancer risks. Permanent dyes raise the risk of breast, uterine, and ovarian cancer. Black women exhibit a 45% increased risk of breast cancer when using permanent dyes. Combining dyes with relaxers significantly compounds the danger. 2. The danger comes from chemical absorption into the scalp. Relaxer chemicals include sodium, calcium, guanine, and lithium hydroxide. These chemicals burn through the scalp, entering the bloodstream and disrupting hormones, leading to early puberty, fibroids, infertility, and cancer. 3. Synthetic braiding hair contains benzene—a carcinogen. Benzene exposure affects both the stylist and the client. Risks include lung cancer and leukemia. 4. The beauty industry resists change because of profit. Salons rarely display warnings because “it affects business.” The relaxer–damage→hair‑loss→extensions cycle creates a lucrative revenue loop. 5. Children are especially vulnerable to chemical exposure. Relaxers on children under 10 can cause: early puberty fibroids infertility early hysterectomies increased cancer risk Dr. Mac advises never relaxing a child’s hair, but if done, the product must stay on no more than 5–10 minutes with complete scalp protection. 6. Scalp protection is essential for anyone still using relaxers. Use petroleum jelly over the entire scalp, not just the hairline. This reduces chemical absorption during both application and rinsing. 7. Dr. Mac pioneered the U.S. hair‑supplement industry. Developed Bella Nutri after research with a Finnish company (Scalp). Initially dismissed as a “witch doctor,” but now the hair‑supplement market is mainstream. 8. She refuses to participate in relaxer‑related lawsuits. Because she has warned people for 20+ years, she cannot ethically testify for those who ignored repeated warnings. Notable Quotes On the impact of chemicals: “The chemicals burn through the scalp… getting into the main bloodstream and causing hormone disruption.” On the increased cancer risk: “African‑Americans have a more than 45% increased risk when we use permanent hair dyes.” On synthetic braids: “As long as that synthetic hair is on her head, she is breathing in benzene.” On industry pushback: “People are about the green‑eyed devil called money.” On relaxing children’s hair: “Hopefully a mother doesn’t take her child to get a relaxer.” “Hair chemicals can lead to early puberty, fibroids, infertility, even hysterectomies before age 40.” On the vicious cycle of damage and profit: “It’s a 360‑degree money‑making cycle.” On caring more than her patients: “I feel like I’m caring more about someone’s health than they are caring about their own.” On pioneering supplements: “Hair and skin are internal organs—they manifest externally.” #SHMS #STRAW #BESTSupport the show: https://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Dr. Melanye “Dr. Mac.” Maclin joins Rushion McDonald to discuss the serious health risks associated with hair relaxers, permanent dyes, and synthetic braids—particularly among Black women. Drawing from over 25 years of research and patient experience, she explains how chemicals used in these products absorb through the scalp, disrupt hormones, and significantly increase the risks of breast cancer, ovarian cancer, uterine cancer, early puberty, fibroids, and infertility. The conversation also highlights systemic resistance from the beauty industry, government agencies, and even consumers themselves—primarily due to financial incentives and lack of awareness. Dr. Mac advocates for safer hair practices, increased education, and protective measures to reduce exposure. She also discusses her pioneering internal hair‑health supplements, Bella Nutri, for women (2004) and men (2008), and how she helped introduce the U.S. market to nutritional hair support long before it was mainstream. Purpose of the Interview The purpose of the interview is to: 1. Educate listeners about the hidden health dangers …of chemical hair treatments including relaxers, permanent dyes, and synthetic hair containing benzene. 2. Advocate for informed hair‑care decisions Dr. Mac wants women—especially Black women—to understand how beauty practices impact long‑term health. 3. Encourage the beauty industry to adopt safety protocols Such as scalp protection, warning labels, and honest communication about risks. 4. Highlight Dr. Mac’s work and products Including her Bella Nutri supplements and educational platforms (Ask Dr. Mac). 5. Empower parents to protect children By avoiding chemical treatments on young girls whose bodies are especially vulnerable. Key Takeaways 1. Chemical relaxers and permanent hair dyes are strongly linked to increased cancer risks. Permanent dyes raise the risk of breast, uterine, and ovarian cancer. Black women exhibit a 45% increased risk of breast cancer when using permanent dyes. Combining dyes with relaxers significantly compounds the danger. 2. The danger comes from chemical absorption into the scalp. Relaxer chemicals include sodium, calcium, guanine, and lithium hydroxide. These chemicals burn through the scalp, entering the bloodstream and disrupting hormones, leading to early puberty, fibroids, infertility, and cancer. 3. Synthetic braiding hair contains benzene—a carcinogen. Benzene exposure affects both the stylist and the client. Risks include lung cancer and leukemia. 4. The beauty industry resists change because of profit. Salons rarely display warnings because “it affects business.” The relaxer–damage→hair‑loss→extensions cycle creates a lucrative revenue loop. 5. Children are especially vulnerable to chemical exposure. Relaxers on children under 10 can cause: early puberty fibroids infertility early hysterectomies increased cancer risk Dr. Mac advises never relaxing a child’s hair, but if done, the product must stay on no more than 5–10 minutes with complete scalp protection. 6. Scalp protection is essential for anyone still using relaxers. Use petroleum jelly over the entire scalp, not just the hairline. This reduces chemical absorption during both application and rinsing. 7. Dr. Mac pioneered the U.S. hair‑supplement industry. Developed Bella Nutri after research with a Finnish company (Scalp). Initially dismissed as a “witch doctor,” but now the hair‑supplement market is mainstream. 8. She refuses to participate in relaxer‑related lawsuits. Because she has warned people for 20+ years, she cannot ethically testify for those who ignored repeated warnings. Notable Quotes On the impact of chemicals: “The chemicals burn through the scalp… getting into the main bloodstream and causing hormone disruption.” On the increased cancer risk: “African‑Americans have a more than 45% increased risk when we use permanent hair dyes.” On synthetic braids: “As long as that synthetic hair is on her head, she is breathing in benzene.” On industry pushback: “People are about the green‑eyed devil called money.” On relaxing children’s hair: “Hopefully a mother doesn’t take her child to get a relaxer.” “Hair chemicals can lead to early puberty, fibroids, infertility, even hysterectomies before age 40.” On the vicious cycle of damage and profit: “It’s a 360‑degree money‑making cycle.” On caring more than her patients: “I feel like I’m caring more about someone’s health than they are caring about their own.” On pioneering supplements: “Hair and skin are internal organs—they manifest externally.” #SHMS #STRAW #BESTSee omnystudio.com/listener for privacy information.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Dr. Melanye “Dr. Mac.” Maclin joins Rushion McDonald to discuss the serious health risks associated with hair relaxers, permanent dyes, and synthetic braids—particularly among Black women. Drawing from over 25 years of research and patient experience, she explains how chemicals used in these products absorb through the scalp, disrupt hormones, and significantly increase the risks of breast cancer, ovarian cancer, uterine cancer, early puberty, fibroids, and infertility. The conversation also highlights systemic resistance from the beauty industry, government agencies, and even consumers themselves—primarily due to financial incentives and lack of awareness. Dr. Mac advocates for safer hair practices, increased education, and protective measures to reduce exposure. She also discusses her pioneering internal hair‑health supplements, Bella Nutri, for women (2004) and men (2008), and how she helped introduce the U.S. market to nutritional hair support long before it was mainstream. Purpose of the Interview The purpose of the interview is to: 1. Educate listeners about the hidden health dangers …of chemical hair treatments including relaxers, permanent dyes, and synthetic hair containing benzene. 2. Advocate for informed hair‑care decisions Dr. Mac wants women—especially Black women—to understand how beauty practices impact long‑term health. 3. Encourage the beauty industry to adopt safety protocols Such as scalp protection, warning labels, and honest communication about risks. 4. Highlight Dr. Mac’s work and products Including her Bella Nutri supplements and educational platforms (Ask Dr. Mac). 5. Empower parents to protect children By avoiding chemical treatments on young girls whose bodies are especially vulnerable. Key Takeaways 1. Chemical relaxers and permanent hair dyes are strongly linked to increased cancer risks. Permanent dyes raise the risk of breast, uterine, and ovarian cancer. Black women exhibit a 45% increased risk of breast cancer when using permanent dyes. Combining dyes with relaxers significantly compounds the danger. 2. The danger comes from chemical absorption into the scalp. Relaxer chemicals include sodium, calcium, guanine, and lithium hydroxide. These chemicals burn through the scalp, entering the bloodstream and disrupting hormones, leading to early puberty, fibroids, infertility, and cancer. 3. Synthetic braiding hair contains benzene—a carcinogen. Benzene exposure affects both the stylist and the client. Risks include lung cancer and leukemia. 4. The beauty industry resists change because of profit. Salons rarely display warnings because “it affects business.” The relaxer–damage→hair‑loss→extensions cycle creates a lucrative revenue loop. 5. Children are especially vulnerable to chemical exposure. Relaxers on children under 10 can cause: early puberty fibroids infertility early hysterectomies increased cancer risk Dr. Mac advises never relaxing a child’s hair, but if done, the product must stay on no more than 5–10 minutes with complete scalp protection. 6. Scalp protection is essential for anyone still using relaxers. Use petroleum jelly over the entire scalp, not just the hairline. This reduces chemical absorption during both application and rinsing. 7. Dr. Mac pioneered the U.S. hair‑supplement industry. Developed Bella Nutri after research with a Finnish company (Scalp). Initially dismissed as a “witch doctor,” but now the hair‑supplement market is mainstream. 8. She refuses to participate in relaxer‑related lawsuits. Because she has warned people for 20+ years, she cannot ethically testify for those who ignored repeated warnings. Notable Quotes On the impact of chemicals: “The chemicals burn through the scalp… getting into the main bloodstream and causing hormone disruption.” On the increased cancer risk: “African‑Americans have a more than 45% increased risk when we use permanent hair dyes.” On synthetic braids: “As long as that synthetic hair is on her head, she is breathing in benzene.” On industry pushback: “People are about the green‑eyed devil called money.” On relaxing children’s hair: “Hopefully a mother doesn’t take her child to get a relaxer.” “Hair chemicals can lead to early puberty, fibroids, infertility, even hysterectomies before age 40.” On the vicious cycle of damage and profit: “It’s a 360‑degree money‑making cycle.” On caring more than her patients: “I feel like I’m caring more about someone’s health than they are caring about their own.” On pioneering supplements: “Hair and skin are internal organs—they manifest externally.” #SHMS #STRAW #BESTSteve Harvey Morning Show Online: http://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

Welcome to the Practical Church podcast, brought to you in partnership with Mission Support. Mission Support This episode was brought to you by Mission Support.  Stay focused on your mission and let Mission Support help you with everything you didn't go to seminary for! Get support from experts with decades of experience working with churches who know your unique needs and challenges. Click here to talk with a guide today & love being a pastor again! HERE ARE THE SEVEN TIPS I DISCUSS IN THIS EPISODE Break it into sections Have the group read the passage outloud + give a brief explanation 2-3 questions per section Mix in some personal questions, questions about the text, application questions  Encourage leaders to add questions they want and not worry about getting to all the questions Write it after going over your sermon Send them out before Sunday Get more church tips and advice Click here to join the Practical Church Facebook group

Join a Wheels for the World Team today by visiting www.joniandfriends.org. -------- Thank you for listening! Your support of Joni and Friends helps make this show possible.     Joni and Friends envisions a world where every person with a disability finds hope, dignity, and their place in the body of Christ. Become part of the global movement today at www.joniandfriends.org   Find more encouragement on Instagram, TikTok, Facebook, and YouTube.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Dr. Coylette James Here is a clear, polished summary and outline of the Dr. Coylette James interview with Rushion McDonald, based entirely on the transcript you provided. Summary of the Interview with Dr. Coylette James on Money Making Conversations Master Class Ffounder of a faith‑based nonprofit and creator of The Lioness Effect—discusses her mission to empower women to heal, lead, and monetize their purpose without compromising their values. She and host Rushion McDonald explore themes such as identity, healing from trauma, walking in authenticity, entrepreneurship, integrating faith into business, and redefining wealth. Dr. James emphasizes that women must first understand their identity and unique “superpower" before they can build meaningful businesses or confidently step into leadership. Drawing from her decades in corporate executive leadership and ministry, she explains how healing from past traumas, rejecting societal stereotypes, and valuing one’s own expertise are necessary steps toward long‑term success. She also breaks down practical strategies for clarifying value, avoiding under‑earning, building integrity‑driven wealth, and developing a legacy. Her life philosophy—“Don’t live your age, live your life”—shows up in her mindset, style, and discipline, as she approaches age 70 with energy, purpose, and intention. Purpose of the Interview The interview aims to: Introduce Dr. Coylette James' work and her framework, The Lioness Effect, which helps women transform purpose into profit. Share practical guidance on identity, leadership, faith‑based entrepreneurship, and building wealth with integrity. Encourage women to overcome limiting beliefs, value their expertise, and break free from societal or personal constraints. Inspire listeners with Dr. James’s personal philosophy on aging, growth, and living boldly. Key Takeaways 1. Identity Is the Foundation Women must first understand who they are to build authentic businesses. Uniqueness is a “superpower” and should not be traded for cultural expectations. 2. Healing Precedes Leadership Trauma—whether personal, societal, or generational—can limit confidence. “Hurt leaders will hurt people.” Women must heal to lead with clarity and compassion. 3. Authenticity Builds Trust and Value You are your greatest asset; your voice is your brand. Don’t shrink or dim your identity to fit an image or corporate mold. 4. Faith and Business Are Not Separate Dr. James teaches that faith should inform, not divide from, business practices. Integrity and values should guide branding, service, and pricing. 5. Stop Over‑Serving and Under‑Earning People often undervalue what they give because they haven’t valued it themselves. Women must attach a price to their expertise, time, and transformation they provide. 6. Quality Creates Wealth Wealth isn’t only money; it includes wisdom and legacy. Quality and excellence build strong brands and repeat customers. 7. Know Your Lane Talent alone doesn’t build wealth—business skills matter. Bring in help for areas outside your strengths (marketing, operations, finance). 8. Entrepreneurship Requires Wisdom & Prioritization Dr. James balanced a full‑time executive career with her nonprofit by: Allocating hours wisely Using time strategically Mentoring within her workplace Following passion while honoring responsibilities 9. Age Is Not a Limiter At nearly 70, she asserts: “Don’t live your age, live your life.” Reinvention is possible at any age. Notable Quotes Here are direct, impactful lines from the conversation: On Identity & Purpose “Your authenticity is your empowerment.” “We were created on purpose for a purpose.” “If you’re trying to be what culture says you are, you’ll miss who you are authentically.” On Superpower “You take the supernatural of God, put it on your natural, and you’re empowered by it.” On Healing & Leadership “Hurt leaders will hurt people.” “I can’t take you where I haven’t been.” On Value & Monetization “What would you buy from you?” “If you wouldn’t pay for what you're selling, why should someone else?” “People will pay for quality.” On Wealth & Legacy “Wealth is not always monetary. My biggest wealth is the legacy I’m leaving.” “Make sure you put the quality in before your name goes on it.” On Aging & Living Fully “Don’t live your age, live your life.” “I will never get old. I will get older.” “How important are you to you?” #SHMS #BEST #STRAWSupport the show: https://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Ashley M. Fox. Summary of the Interview In this episode of Money Making Conversations Masterclass, Rushion McDonald interviews Ashley M. Fox—former Wall Street analyst, Howard University alum, financial educator, and founder/CEO of Emplify, a fintech platform focused on making wealth‑building accessible to everyday people. Ashley shares her journey from working with ultra‑high‑net‑worth clients on Wall Street to becoming an entrepreneur determined to bring financial education and empowerment to communities traditionally excluded from wealth conversations. She discusses the creation of Amplify, her financial fall and recovery, her work in schools and prison systems, and how digital content has allowed her to scale her mission globally. The discussion emphasizes mindset, self‑belief, access, and a practical path to wealth, even starting with as little as $20. Purpose of the Interview The interview aims to: 1. Inspire financial empowerment Ashley explains how anyone—regardless of background or starting point—can begin building wealth and shift generational outcomes. 2. Demystify investing and wealth-building She breaks down how simple investing can be, the power of small consistent contributions, and how wealth isn’t limited to entrepreneurs or high earners. 3. Highlight her fintech platform Emplify She shares how Amplify democratizes financial education through online tools, community, and accessible investing classes. 4. Encourage a mindset shift Ashley stresses the importance of eliminating fear, building confidence, and using logic instead of emotion when making financial decisions. Key Takeaways 1. Wealth Begins with Belief and Mindset Ashley learned on Wall Street that the biggest difference between wealthy and non-wealthy people is not education—it's self-belief. Many people don’t believe wealth is possible for them because they've never seen it. 2. You Don’t Need a Lot of Money to Start Investing She urges people to start with $20, even buying fractional shares. It’s consistency—not starting amount—that builds wealth. 3. You Can Invest in Others’ Ideas—Not Just Your Own Building wealth doesn’t require launching a business. Buying stock is one of the easiest ways to participate in wealth creation. 4. Ashley’s Own Journey Included Failure After leaving Wall Street, she was evicted, slept on her parents’ couch for two years, and maxed out credit cards. Her purpose kept her going. 5. Financial Education Should Start Early She developed financial education programs for schools, prison systems, and everyday families because adults often learn too late. 6. Emplify Scales Wealth Education Her platform offers 300+ hours of videos and tools, helping members open 3,000+ investment accounts and invest $7.4M collectively. 7. Social Media Is Her Biggest Access Point Ashley reaches millions by being authentic, relatable, and consistent—meeting people where they are. 8. You Must Pay Yourself First Most people pay bills, companies, and creditors before investing in themselves. She emphasizes reversing that pattern. 9. Logic Over Emotion Wealth requires logical decision‑making, especially in the market. Emotional reactions undermine long-term financial growth. Notable Quotes (Taken From the Transcript) On Wealth Mindset “When you think and know and believe you have the power to create wealth and you deserve wealth, you move a different way.” “There is no president that can build the wealth that you can create for your family.” On Starting Small “You don't have to have a lot of money to start. You just have to have the will to begin.” “A whole lot of $20 can get you to a million—as long as you don’t stop.” On Investing “Consider the companies you give your money to and own them, because they are a lot cheaper than you think.” “If I’m helping you build a billion‑dollar business by using your products, I deserve a piece of the pie.” On Self-Reliance “You pay everybody… the bartender, the mortgage company—and you’re the one without money. Who’s going to worry about you?” On Purpose and Identity “My story never changed. The mission was always dedicated to the people I didn’t see coming into that building on Wall Street.” “Emplify is the movement. It just has my DNA.” #SHMS #STRAW #BESTSupport the show: https://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Dr. Coylette James Here is a clear, polished summary and outline of the Dr. Coylette James interview with Rushion McDonald, based entirely on the transcript you provided. Summary of the Interview with Dr. Coylette James on Money Making Conversations Master Class Ffounder of a faith‑based nonprofit and creator of The Lioness Effect—discusses her mission to empower women to heal, lead, and monetize their purpose without compromising their values. She and host Rushion McDonald explore themes such as identity, healing from trauma, walking in authenticity, entrepreneurship, integrating faith into business, and redefining wealth. Dr. James emphasizes that women must first understand their identity and unique “superpower" before they can build meaningful businesses or confidently step into leadership. Drawing from her decades in corporate executive leadership and ministry, she explains how healing from past traumas, rejecting societal stereotypes, and valuing one’s own expertise are necessary steps toward long‑term success. She also breaks down practical strategies for clarifying value, avoiding under‑earning, building integrity‑driven wealth, and developing a legacy. Her life philosophy—“Don’t live your age, live your life”—shows up in her mindset, style, and discipline, as she approaches age 70 with energy, purpose, and intention. Purpose of the Interview The interview aims to: Introduce Dr. Coylette James' work and her framework, The Lioness Effect, which helps women transform purpose into profit. Share practical guidance on identity, leadership, faith‑based entrepreneurship, and building wealth with integrity. Encourage women to overcome limiting beliefs, value their expertise, and break free from societal or personal constraints. Inspire listeners with Dr. James’s personal philosophy on aging, growth, and living boldly. Key Takeaways 1. Identity Is the Foundation Women must first understand who they are to build authentic businesses. Uniqueness is a “superpower” and should not be traded for cultural expectations. 2. Healing Precedes Leadership Trauma—whether personal, societal, or generational—can limit confidence. “Hurt leaders will hurt people.” Women must heal to lead with clarity and compassion. 3. Authenticity Builds Trust and Value You are your greatest asset; your voice is your brand. Don’t shrink or dim your identity to fit an image or corporate mold. 4. Faith and Business Are Not Separate Dr. James teaches that faith should inform, not divide from, business practices. Integrity and values should guide branding, service, and pricing. 5. Stop Over‑Serving and Under‑Earning People often undervalue what they give because they haven’t valued it themselves. Women must attach a price to their expertise, time, and transformation they provide. 6. Quality Creates Wealth Wealth isn’t only money; it includes wisdom and legacy. Quality and excellence build strong brands and repeat customers. 7. Know Your Lane Talent alone doesn’t build wealth—business skills matter. Bring in help for areas outside your strengths (marketing, operations, finance). 8. Entrepreneurship Requires Wisdom & Prioritization Dr. James balanced a full‑time executive career with her nonprofit by: Allocating hours wisely Using time strategically Mentoring within her workplace Following passion while honoring responsibilities 9. Age Is Not a Limiter At nearly 70, she asserts: “Don’t live your age, live your life.” Reinvention is possible at any age. Notable Quotes Here are direct, impactful lines from the conversation: On Identity & Purpose “Your authenticity is your empowerment.” “We were created on purpose for a purpose.” “If you’re trying to be what culture says you are, you’ll miss who you are authentically.” On Superpower “You take the supernatural of God, put it on your natural, and you’re empowered by it.” On Healing & Leadership “Hurt leaders will hurt people.” “I can’t take you where I haven’t been.” On Value & Monetization “What would you buy from you?” “If you wouldn’t pay for what you're selling, why should someone else?” “People will pay for quality.” On Wealth & Legacy “Wealth is not always monetary. My biggest wealth is the legacy I’m leaving.” “Make sure you put the quality in before your name goes on it.” On Aging & Living Fully “Don’t live your age, live your life.” “I will never get old. I will get older.” “How important are you to you?” #SHMS #BEST #STRAWSee omnystudio.com/listener for privacy information.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Ashley M. Fox. Summary of the Interview In this episode of Money Making Conversations Masterclass, Rushion McDonald interviews Ashley M. Fox—former Wall Street analyst, Howard University alum, financial educator, and founder/CEO of Emplify, a fintech platform focused on making wealth‑building accessible to everyday people. Ashley shares her journey from working with ultra‑high‑net‑worth clients on Wall Street to becoming an entrepreneur determined to bring financial education and empowerment to communities traditionally excluded from wealth conversations. She discusses the creation of Amplify, her financial fall and recovery, her work in schools and prison systems, and how digital content has allowed her to scale her mission globally. The discussion emphasizes mindset, self‑belief, access, and a practical path to wealth, even starting with as little as $20. Purpose of the Interview The interview aims to: 1. Inspire financial empowerment Ashley explains how anyone—regardless of background or starting point—can begin building wealth and shift generational outcomes. 2. Demystify investing and wealth-building She breaks down how simple investing can be, the power of small consistent contributions, and how wealth isn’t limited to entrepreneurs or high earners. 3. Highlight her fintech platform Emplify She shares how Amplify democratizes financial education through online tools, community, and accessible investing classes. 4. Encourage a mindset shift Ashley stresses the importance of eliminating fear, building confidence, and using logic instead of emotion when making financial decisions. Key Takeaways 1. Wealth Begins with Belief and Mindset Ashley learned on Wall Street that the biggest difference between wealthy and non-wealthy people is not education—it's self-belief. Many people don’t believe wealth is possible for them because they've never seen it. 2. You Don’t Need a Lot of Money to Start Investing She urges people to start with $20, even buying fractional shares. It’s consistency—not starting amount—that builds wealth. 3. You Can Invest in Others’ Ideas—Not Just Your Own Building wealth doesn’t require launching a business. Buying stock is one of the easiest ways to participate in wealth creation. 4. Ashley’s Own Journey Included Failure After leaving Wall Street, she was evicted, slept on her parents’ couch for two years, and maxed out credit cards. Her purpose kept her going. 5. Financial Education Should Start Early She developed financial education programs for schools, prison systems, and everyday families because adults often learn too late. 6. Emplify Scales Wealth Education Her platform offers 300+ hours of videos and tools, helping members open 3,000+ investment accounts and invest $7.4M collectively. 7. Social Media Is Her Biggest Access Point Ashley reaches millions by being authentic, relatable, and consistent—meeting people where they are. 8. You Must Pay Yourself First Most people pay bills, companies, and creditors before investing in themselves. She emphasizes reversing that pattern. 9. Logic Over Emotion Wealth requires logical decision‑making, especially in the market. Emotional reactions undermine long-term financial growth. Notable Quotes (Taken From the Transcript) On Wealth Mindset “When you think and know and believe you have the power to create wealth and you deserve wealth, you move a different way.” “There is no president that can build the wealth that you can create for your family.” On Starting Small “You don't have to have a lot of money to start. You just have to have the will to begin.” “A whole lot of $20 can get you to a million—as long as you don’t stop.” On Investing “Consider the companies you give your money to and own them, because they are a lot cheaper than you think.” “If I’m helping you build a billion‑dollar business by using your products, I deserve a piece of the pie.” On Self-Reliance “You pay everybody… the bartender, the mortgage company—and you’re the one without money. Who’s going to worry about you?” On Purpose and Identity “My story never changed. The mission was always dedicated to the people I didn’t see coming into that building on Wall Street.” “Emplify is the movement. It just has my DNA.” #SHMS #STRAW #BESTSee omnystudio.com/listener for privacy information.

Listen and Subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Lisa Mulrain. CEO of Legacy Building LLC and founder of Mulrain Law, in a wide‑ranging conversation about financial literacy, credit repair, estate planning, community impact, and the mindset shifts required for long-term financial success. The discussion highlights her personal journey, her transition from federal service to entrepreneurship, and her mission to educate and empower individuals—especially in minority communities—to build and protect wealth.

Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Lisa Mulrain. CEO of Legacy Building LLC and founder of Mulrain Law, in a wide‑ranging conversation about financial literacy, credit repair, estate planning, community impact, and the mindset shifts required for long-term financial success. The discussion highlights her personal journey, her transition from federal service to entrepreneurship, and her mission to educate and empower individuals—especially in minority communities—to build and protect wealth.

Reach Out: Please include your email and I will get back to you. Thanks!Sermon Link - YouTube - Mission and Marriageemersonk78@me.comExcel Still More Journal - AmazonNew GENESIS Daily Bible Devotional!Daily Bible Devotional Series - AmazonSponsors:  Spiritbuilding Publishers Website:  www.spiritbuilding.comTyler Cain, Senior Loan Officer, Statewide MortgageWebsites: https://statewidemortgage.com/https://tylercain.floify.com/Phone: 813-380-8487What is the Mission for Your Life? (Here's Mine)1. Discipline myself for God's work.2. Influence my family to love and serve God.3. Encourage and strengthen fellow believers.4. Reflect Christ's light into a dark and dying world.5. Worship God faithfully on Sunday and every day. EVERYTHING in my life answers to this mission. Including Marriage. Adam was given work to do, then a HELPER to accomplish the mission, not to distract from it or as a reprieve or separate life. Build your marriage as a tool to best accomplish the reason for which God has made you.