Podcasts about expectations

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  • 17,595PODCASTS
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    Best podcasts about expectations

    Show all podcasts related to expectations

    Latest podcast episodes about expectations

    Beyond the Bulletin
    Sunday at St. Anthony - "Meeting God's Expectations"

    Beyond the Bulletin

    Play Episode Listen Later Aug 9, 2022 14:42


    God has expectations for us, and they are urgent. Will we be ready to meet them at the hour that He arrives? Listen to Deacon Mike Krall's homily from the 19th Sunday in Ordinary Time. Special Guest: Deacon Mike Krall.

    Spiritual & Rich AF
    Money Making Mindsets: Goals versus Expectations

    Spiritual & Rich AF

    Play Episode Listen Later Aug 9, 2022 29:53


    Today, I break down some very common beliefs  I see among business owners moving their way to their first 6 figures.  Growing your business is never linear, and it certainly won't always be easy, but our brains can make it much harder (and more painful) than it needs to be. Join me on today's episode as I explore how to use your current results as a  means to uncover subconscious beliefs and how to rewire them so you can allow business building to be easeful, no matter what your results are whats in your bank account or inner resistance you have. Want to create a soul-community of next level clients that throw money at you to facilitate your sacred gifts? If you dont have that, you need to get into the next round of the Soulful 6 Figures Mastermind... ASAP. Click the link below to schedule a free call to learn more. To apply to work with me, head over here: Denise Vernieri Consult CallFor those who are looking to increase their impact, spaciously scale their vision while leaving lots of room for personal pleasure and joy- its closer than you think. Money comes from alignment - more money comes from embodiment. When you move towards that, you'll create moves to out you in the highest timeline and abundance for your business. Private 1:1 business mentorship is for you. Click the link below to schedule a call. To apply to work with me, head over here: Denise Vernieri Consult Call

    Bulls Talk Podcast
    Why fans should temper expectations for Patrick Williams this year

    Bulls Talk Podcast

    Play Episode Listen Later Aug 9, 2022 64:37


    NBC 5's Leila Rahimi joins Robert Schaefer and Tony Gill to discuss the off-season for the Bulls and the most important question of the Bulls off-season, how good does Patrick Williams need to be for the Bulls to take a serious step up? The crew also discusses the off-season and what the Bulls need to fix to be better this season.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

    Business with Impact
    #214 How to Set Clear Expectations & Goals for Your Next Launch

    Business with Impact

    Play Episode Listen Later Aug 9, 2022 26:06


    In this episode we're talking about a consistent theme that we see and hear from our clients when it comes to the behind-the-scenes launch!   And in this episode we're sharing how to set clear goals and clear expectations for your launch so that when things come up in your launch (spoiler: because they will!) you can handle them with confidence.   Let's dive in! --- → Grab Rachel's NEW 40 ways to bring more traffic to your offer checklist to help bring ORGANIC leads into your business! → Have a business question for Rachel? Send in your business questions to Rachel HERE! → See a copy of this week's show notes HERE! → Follow Rachel on Instagram: @rachelrmcmichael

    Enlightened The Podcast by Sophia Spallino | Honest & Encouraging Conversations that Inspire Personal Growth
    CONSCIOUS KINK with KIMI INCH — Q&A with a Professional Dominatrix — Erotic Communication: Consent, Expectations, & Aftercare — Late in Life Lesbian — Age Gap Relationships — Sexuality

    Enlightened The Podcast by Sophia Spallino | Honest & Encouraging Conversations that Inspire Personal Growth

    Play Episode Listen Later Aug 9, 2022 69:12


    The more I know, the more I am aware that I don't know, and I am finally feeling safe in saying, "I don't know" and open to exploring it all…But one thing I actually do know is when you feel safe to confidently express your desires, revealing what you actually want, being honest with yourself, listening to your body, and intentionally communicating these desires with your sexual partners, you will live a more authentic, fulfilling life both inside and outside of the bedroom. Kimi Inch is a kink expert, professional dominatrix, kink/BDSM educator, published author, and somatic healer. Kimi will teach us all about sexual care, self-care, healing, and wholeness through a unique approach that blends conscious kink, sexuality, and somatic therapeutic techniques. She will give you a chance to access the wisdom of your body for deep and lasting change — experience healing around your sexual health, intimacy, and relationships. Kimi uses Conscious Kink™ as a way individuals and couples to explore various sides of themselves, deal with shame or guilt, and address dysfunction or addiction. This practice brings the shadows into the light in order to move towards resolution and remind you of your magnificence. Let's get ENLIGHTENED about CONSCIOUS KINK together. Sit back, relax, put your phone on do not disturb…because you're going to be *tied up* for a little while! This episode covers topics like: ✨Conscious kink and somatic therapy 👠Q&A with a professional dominatrix  👁How Conscious Kink journeys are being compared to mushroom medicine ceremonies 🗺Discovering your personal Erotic Blueprint 🙊Erotic communication: consent, expectations, & aftercare 💋Understanding the difference between kinks & preferences What questions has this episode helped you answer for yourself? Learn more about Kimi Inch: Get in touch and work with her: http://kimiinch.com/ Take a look at her Dom course and more: https://www.erosandkink.com Instagram: http://instagram.com/kimiinch It's time to set yourself FREE, Lovely One!  I hope you benefit from ENLIGHTENED. If you feel comfortable to share how the show is touching your heart, please leave a rating and review on iTunes or the Apple Podcast App. It will only take a minute, but genuine reviews are vital to the success of my show, so please review by tapping here. Thank you for supporting my labor of love by sharing screenshots of the podcast, subscribing, and by pledging to contribute. Because creating inspiring content demands my time, creativity, resources, and talent, I depend on generous listeners like you to support the production of my show. Kindly support Enlightened for as little as $0.99/mo by tapping here. *you may cancel at anytime. With infinite love and gratitude. xo Sophia  MY RECOMMENDED RESOURCES 🎵Stream MY QUANTUM HEALING ANTHEMS with HARP MUSIC: https://spoti.fi/3jqALGb 🎥Explore  my latest live, virtual workshops: https://linktr.ee/sophiaspallino 💻Learn more about me and what I do: https://www.SophiaSpallino.com 📷Follow me on Instagram for inspiring real-life stories everyday: https://www.instagram.com/sophiaspallino/ 🤗Pledge to support my show: http://bit.ly/SupportEnlightened 🌈Shop my queer & spiritual merch: https://www.SophiaSpallino.com/shop 📚Shop my favorite books and card decks here: http://bit.ly/SoulBooks 💊Get affordable probiotics, boric acid, birth control, period-delaying pills, d-mannose, anti fungal meds, and UTI antibiotics ONLINE: https://hellowisp.com ✨If you are seeking wisdom & guidance, branding/social media consulting, dating advice, a breakup breakthrough/Closure session, or a card reading, I'd be honored to coach you: https://sophiaspallino.com/mentorship

    Youth Hockey Podcast
    S2 Episode 49 Randall talks about lowering expectations for new teams - Rolly talks about major year and minor year expectations - Lance is still sad about losing the contest

    Youth Hockey Podcast

    Play Episode Listen Later Aug 9, 2022 50:31


    Randall talks about how a new team brings new expectations. It's always good to have certain buffers between where you think you may end up and real level of the team. They sometimes match. They sometimes don't. How a person goes into the situation can help it out a lot. Rolly talks about how minor year kids and major year kids have different expectations. He pines for birth-year teams. Lance is still frustrated about the results. He wants a recount. He demands a full investigation into an organization called the FRONT SUISSE - a group that inflates numbers of listens for native Swiss people.

    Serie A Chronicles
    Serie A Season Preview: Dybala Ignites Roma as Eternal Expectations Rise

    Serie A Chronicles

    Play Episode Listen Later Aug 9, 2022 45:19


    And so we're back from outer space! ... Welcome back to our Serie A Chronicles listeners. It's great to have you with us for another exciting season of Mina Rzouki's and Nicky Bandini's unique perspectives on this league which gives us so much joy, frustration, excitement and Italian chaos! We wouldn't want it any other way! In this first episode of season 2022-23 we discuss the summer transfers, most notably Paulo Dybala to Roma and his amazing reception in the eternal city, Romelu Lukaku's return to Inter and Paul Pogba's return to Juventus. Who makes up the Top 4 this season and who is pushing for a European spot? Our picks for the Scudetto, how we think Serie A's promoted newcomers will fare (especially the Berlusconi-Galliani project at Monza) and which teams we are most excited to watch. And we discuss our plans for this season as we move Serie A Chronicles fully to Patreon: Become a Chronicles Tifosi Patron at serieachronicles.com/patreon to get all of our full episodes this season! ****** Sponsor the show: See serieachronicles.com/sponsor. ****** We recommend: Ignition: The world's first client engagement and commerce platform for professional services. Amazon Music Unlimited: Get a free 30-day trial by visiting getamazonmusic.com/serieachronicles. Riverside.fm online podcast recording studio. WPX Web Hosting: 30 seconds support response time 24/7/365. bCast podcast hosting. AppSumo apps and programs for productivity. Click to get $10 off. Forza Football: best fixtures and results smartphone app. ****** Follow us: YouTube, Twitter, Facebook, Instagram. Please give us a rating and review on Apple Podcasts. Serie A Chronicles is a Media Chronicles production. Digital content and social media by Calido Media. Learn more about your ad choices. Visit megaphone.fm/adchoices

    Numbers by Barron's
    July Jobs Report Blows Past Expectations

    Numbers by Barron's

    Play Episode Listen Later Aug 8, 2022 5:04 Very Popular


    The U.S. economy added 528,000 jobs in July. Amazon makes its second acquisition in about two weeks. Plus, you can bet your bottom dollar…on the dollar store. Host: Jackson Cantrell. Learn more about your ad choices. Visit megaphone.fm/adchoices

    The Minimalists Podcast
    352 | The Expectations

    The Minimalists Podcast

    Play Episode Listen Later Aug 8, 2022 29:39 Very Popular


    The Minimalists are joined by musician Matt Nathanson to talk about the problem with expectations and assumptions. Watch all three hours of episode 352 on The Minimalists Private Podcast: patreon.com/theminimalists Discussed in this episode: How do I lower or eliminate expectations? (01:44) What is the distinction between an expectation and an assumption? (10:26) What do you consider your most meaningful accomplishment? (12:22) What can attendees of the Sunday Symposium event expect? (24:46) Detailed show notes: minimalists.com/podcast Join The Minimalists Private Podcast: minimalists.com/support

    The PedsDocTalk Podcast
    MONDAY MORNINGS WITH DR. MONA: Resentment of the societal expectations of motherhood

    The PedsDocTalk Podcast

    Play Episode Listen Later Aug 8, 2022 38:34 Very Popular


    I welcome a mom who struggles with resentment towards societal gender roles and expectations of being a mom. We discuss: How to handle unreasonable societal expectations for mothersHow to communicate with loved ones or partner for needsHow to combat resentment in motherhoodYou might also be interested in:E73: Is Mom Brain real? And how can we relax into our new self?In this new format of Monday Mornings with Dr Mona that began June 2022, I end each episode with three parenting or mindset principles. These principles can be used in various situations, but I explain how the three principles I chose apply to societal expectations in motherhood.

    A New Morning
    President of The Erie Niagara Superintendents Association Michael Cornell on Expectations For Coming School Year

    A New Morning

    Play Episode Listen Later Aug 8, 2022 10:09


    Michael Cornell talks about the expectations for Covid restrictions for the coming school year.

    The Bill Riley Show
    Stevenson Sylvester discusses expectations for Utah's defense and his excitement for Utah vs Florida

    The Bill Riley Show

    Play Episode Listen Later Aug 8, 2022 21:34


    The Doodle Proâ„¢ Podcast
    How to Get Your Doodle to Stop Jumping!

    The Doodle Proâ„¢ Podcast

    Play Episode Listen Later Aug 8, 2022 49:06


    Are you at your wit's end trying to stop your doodle from jumping on people? Are you embarrassed when they jump all over your guests or repairman?Animal trainer Emily Martin, owner of Pawsitively Pets, is on the show today. Emily shares how her zoo background of over two decades led to her successful Colorado dog training business. She also shares her expert advice on how to teach your doodle to stop jumping on people and give a more polite greeting.Highlights include:Training with treats (5:05)Use of Aversives (9:32)Society Polling Results (13:50)Why Do They Jump (17:11)Techniques to Stop Trying (19:26)Techniques that WORK! (26:12)Expectations (36:52)Find Emily's free handout on teaching polite greetings at  https://pawsitivelypets.org/freetrainingtips/ or follow her at instagram.com/pawsitivelypetstraining.Find Corinne's list of doodle's favorite treats discussed in this episode at thedoodlepro.com/toptreatsFor more Doodle Parenting tips, subscribe to The Doodle Pro™ Podcast on Apple Podcasts or wherever you listen to podcasts.Enjoy our free gift to help you have more success brushing your doodle and become your groomer's new favorite client! Download our Groomers' Uncensored Guide to Brushing at thedoodlepro.com/uncensored

    The Gridiron NFL Show
    Expectations Management!

    The Gridiron NFL Show

    Play Episode Listen Later Aug 8, 2022 43:20


    Will Gavin is joined by Gridiron Managing Editor Ollie Connolly for another episode of ‘The Gridiron Show'. We are exactly one month from the season starting, so there is no better time than the present to look at a number of teams' predicted records this season. Will the Jets win six or more games? Can the Bengals return to the Super Bowl and are the Saints good value for an over/under of 8.5? All of that and more.  The 2022 Gridiron Annual is out now! Our ultimate guide to the 2022 season is the perfect way to prepare for the new NFL campaign.      The Annual includes in-depth profiles of all 32 teams and each of the eight divisions, predictions for the season, a guide to which college players to watch for 2023, as well as a host of exclusive player and personnel features including Tom Brady's last dance, Jonathan Taylor one-to-one, Justin Herbert and Brandon Staley, Tua Tagovailoa and Mike McDaniel and more.      You can order the 2022 Gridiron Annual today: https://www.gridiron-magazine.com/shop 

    The Zone
    Ryan Tracy's Preseason Expectations, 8/8/22

    The Zone

    Play Episode Listen Later Aug 8, 2022 47:31


    In the final hour of Monday's edition of The Zone, Joshua Brisco and Beards McFly talk to Ryan Tracy of Locked On Chiefs and RGR Football about his expectations for the Chiefs' preseason game on Saturday and what we've learned from camp so far.See omnystudio.com/listener for privacy information.

    The Zone
    Preseason Expectations and Chiefs Pressers, 8/8/22

    The Zone

    Play Episode Listen Later Aug 8, 2022 56:28


    In the first hour of The Zone, Joshua Brisco and Beards McFly discuss expectations for the first preseason game of the Kansas City Chiefs' season surrounding a unique rookie class. Plus, pressers live from St. Joe with Andy Reid, Chris Jones, Creed Humphrey and Josh Gordon.See omnystudio.com/listener for privacy information.

    The Bill Riley Show
    Dennis Erickson talks Camp Kyle and the Utes who carry large expectations

    The Bill Riley Show

    Play Episode Listen Later Aug 8, 2022 12:01


    The Bill Riley Show
    Logan Kendall and Tiquan Gilmore on acclimating to being Utes and their expectations

    The Bill Riley Show

    Play Episode Listen Later Aug 8, 2022 15:21


    Rates & Barrels: A show about fantasy baseball
    Closer ROI & 2023 Expectations, Projecting Risk & Jesse Winker is the Next Jesse Winker?

    Rates & Barrels: A show about fantasy baseball

    Play Episode Listen Later Aug 8, 2022 62:21


    Eno and DVR discuss the value provided (or lack thereof) from the top-end closers in the pool so far this season, and whether that might lead to a less aggressive draft market toward the saves category in 2023. Plus, they consider what would go into a calculation that better quantifies risk, expectations for a few pitchers making late-season returns from injury, and candidates to be the 'next Jesse Winker'.  Rundown -- Early Alternatives to Josh Hader and Liam Hendriks -- Are Relievers Valued Incorrectly? -- Overshopping the Bargain Bin -- Will Sanity Return to Closer ADPs Next Season? -- A Lot of Disappointment: Pick 100-200 Range -- Quantifying Risk -- Expectations for Late-Season SPs Returning From Injuries -- An Approach to Hitters -- Finding the Next Jesse Winker Follow Eno on Twitter: @enosarris Follow DVR on Twitter: @DerekVanRiper e-mail: ratesandbarrels@theathletic.com Related Reading 'Inter-Projection Volatility & The ATC Projections' by Ariel Cohen (@ATCNY): https://fantasy.fangraphs.com/inter-projection-volatility-the-atc-projections/ Subscribe to The Athletic at $1/month for the first six months: theathletic.com/ratesandbarrels Learn more about your ad choices. Visit megaphone.fm/adchoices

    The Relationship Maze
    Do you need excitement in your relationship?

    The Relationship Maze

    Play Episode Listen Later Aug 8, 2022 22:57


    When was the last time you experienced excitement - a sense of being thrilled or feeling very enthusiastic? Particularly in the early stages of the relationship you are likely to frequently have a sense of excitement. Excitement often feeds on novelty, eagerness, the unknown  and  anticipation.  Excitement is also associated with feeling good. When we are excited we feel mobilised in our body: the heart might be beating faster, we might have butterflies in the stomach or sweaty palms. We are in a state of physical arousal, that is not too dissimilar from feelings associated with anxiety. In the context of dating often excitement can be experienced as anxiety.We can create a feeling of excitement by using visualisation: for example imagine what it feels like to surprise your partner with a gift.Excitement often emerges when you do something that takes you away from your routine. You can consider situations or activities that are different from what you normally. The Relationship Maze courses:What is your argument style? Find out in our short quiz.Struggling with a lot of conflict and arguments in your relationship? Learn about communicating effectively in our Stop Arguing, Start Loving mini course.Learn everything you always wanted to know about building and maintaining  loving relationships in our comprehensive course The Relationship Maze, starting with understanding yourself in relationships to understanding your partner and understanding what makes for a successful relationship. Related podcasts: Expectations - how you create your own relationship disappointmentI just called to say I love you - How to speak your partner's love language

    Be Impactful by Impact Fashion
    Missed Expectations with Dr. Aimee Baron

    Be Impactful by Impact Fashion

    Play Episode Listen Later Aug 8, 2022 85:45


    I talk with Dr. Aimee Baron, a pediatrician and the founder of I Was Supposed To Have A Baby, about her infertility journey. She shares the work she did to accept the fact that her family wouldn't look the way she imagined after suffering multiple miscarriages and how we can better support those around us in the infertility community. Click here to be a part of I Was Supposed To Have A Baby's campaign. Aimee Baron MD, FAAP, is the founder and executive director of I Was Supposed to Have a Baby (IWSTHAB), a nonprofit organization that utilizes social media to support Jewish individuals and families as they are struggling to have a child. It provides a warm and nurturing space for those going through infertility, pregnancy loss, infant loss, surrogacy or adoption, in addition to connecting those families to resources in the Jewish community at large.  IWSTHAB offers a modern solution (Instagram and Tiktok) to an age-old problem, and is currently serving over 15,000 people and growing.    @iwassupposedtohaveababy iwassupposedtohaveababy.org Click here to preorder The Pause Dress, my newest design. (Preorder will be open Aug 9-11). This link will become the regular product page once it is in stock. Click here to sign up for the Impact Fashion referral program and earn a $25 gift card for every friend you refer. Click here to see my collection of dresses. Click here to see my maternity friendly pieces. To hear more episodes, subscribe and head over to Impactfashionnyc.com/blog/podcast. Click here to listen to The Weekly Squeeze. Be Impactful is presented by Impact Fashion, your destination for all things size inclusive modest fashion

    ESPN Tallahassee Jeff Cameron Show
    8/8/22 H1: Practice Talk, The Coaches Poll, ACC/Clemson Expectations

    ESPN Tallahassee Jeff Cameron Show

    Play Episode Listen Later Aug 8, 2022 47:01


    8/8/22 H1: Practice Talk, The Coaches Poll, ACC/Clemson Expectations  Learn more about your ad choices. Visit megaphone.fm/adchoices

    Open Your Eyes with McKay Christensen
    S2E16 - Life's Inevitable Flops

    Open Your Eyes with McKay Christensen

    Play Episode Listen Later Aug 8, 2022 30:16


    McKay kicks off today's Open Your Eyes episode by sharing his wisdom about failures and flops, specifically how some of the world's greatest success stories followed in the footsteps of rather embarrassing failures.  Take Dick Fosbury, Brian Epstein, or Tiger Woods for example.  Even J.K Rowling was a homeless, single mother by the time she began to write the world's most beloved children series.  Suffering at the hands of an abuser and reckoning with her mother's death, Rowling felt like the biggest failure she knew.  But she decided to work hard and make use of that wild imagination of hers to overcome and become the writer she knew she could be.  It took Rowling a little over three years to get her book published, but her fortitude and dedication paid off.   And it will for you too.  Making mistakes can often deter us from following our dreams, when instead, we should see these moments as opportunities to learn from.  After all, if you don't try, you'll never know.  So embrace the educational chance to learn from your flops.  McKay knows it's not easy, but he also knows that our imaginations are far richer than one would think. So abandon the fear of flopping, jump right in, and use that imagination to see a path through.   The Finer Details of This Episode: The Fosbury Flop J.K. Rowling embracing her dreams Learning from mistakes Leaving your comfort zone Imagining new futures Quotes:  “While you and I may never jump over a 7-foot high jump bar or even try the high jump, we will all likely flop or at least benefit from someone else's flop.” “I stopped pretending I was anything other than what I was. I determined more than I had ever determined to do what I was meant to do—to write. I finally knew inside I was a writer. I was alive, I had a beautiful daughter and a typewriter.” “It is impossible to live without failing at something, unless you live so cautiously that you might as well not have lived at all.  Failure gave me inner security and taught me things about myself that I could have learned no other way.” “Don't quit. Don't let the flop of the moment keep you from stepping up and trying again.  Stand in your place, wherever you are, and know that you can and will rise.” “So, keep believing.  Your current flops can enable the highest jumps of all.  And the thing is, when we flop, we can see and relate to others in ways we didn't know before.” “And the truth is that for all of us in life, things we used to do with ease get a little harder. Expectations we have aren't always met like we wish they would.  Life will take from us things we used to take for granted, and getting old is not for sissies.” “When you're in the middle of a flop, let your imagination come to your aid.  You can see a different future, a better reaction, how other people feel, and what you can do to be of help to others.” “Whatever flops may be present in your life today, use your imagination to see a way through them. And when others flop, tip your hat, learn from their experience and give all the grace you can.” Links:  https://www.mckaychristensen.org/ (Open Your Eyes with McKay Christensen)

    Hondo Handy’s Podcast
    Defying Expectations #2

    Hondo Handy’s Podcast

    Play Episode Listen Later Aug 8, 2022 4:47


    This episode shared the journey of my decision to attend Stephen Decatur, an all white high school, or follow in the footsteps of my family members and attend Worcester High School, an all black high school before integration. --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app

    Inside the Gamecocks: A South Carolina football podcast
    The Show Episode 3: Expectations

    Inside the Gamecocks: A South Carolina football podcast

    Play Episode Listen Later Aug 8, 2022 120:00


    Today's theme.... expectations. With the football season right around the corner, expectations for South Carolina and other college programs are being set and examined. Chris Phillips of The Spurs Up Show joins us to discuss the Gamecocks and Mike Bratton of That SEC Podcast joins to discuss Carolina and the greater Southeastern Conference. Plus, there's a mention of Mayor McCheese. To learn more about listener data and our privacy practices visit: https://www.audacyinc.com/privacy-policy Learn more about your ad choices. Visit https://podcastchoices.com/adchoices

    Worship on SermonAudio
    When Christ, or Life with Him, Doesn't Meet Your Expectations FW0808

    Worship on SermonAudio

    Play Episode Listen Later Aug 8, 2022 15:00


    A new MP3 sermon from Hopewell Associate Reformed Presbyterian is now available on SermonAudio with the following details: Title: When Christ, or Life with Him, Doesn't Meet Your Expectations FW0808 Subtitle: Family Worship Speaker: James Hakim Broadcaster: Hopewell Associate Reformed Presbyterian Event: Devotional Date: 8/7/2022 Bible: Luke 7:18-35 Length: 15 min.

    Wisdom on SermonAudio
    When Christ, or Life with Him, Doesn't Meet Your Expectations FW0808

    Wisdom on SermonAudio

    Play Episode Listen Later Aug 8, 2022 15:00


    A new MP3 sermon from Hopewell Associate Reformed Presbyterian is now available on SermonAudio with the following details: Title: When Christ, or Life with Him, Doesn't Meet Your Expectations FW0808 Subtitle: Family Worship Speaker: James Hakim Broadcaster: Hopewell Associate Reformed Presbyterian Event: Devotional Date: 8/7/2022 Bible: Luke 7:18-35 Length: 15 min.

    Repentance on SermonAudio
    When Christ, or Life with Him, Doesn't Meet Your Expectations FW0808

    Repentance on SermonAudio

    Play Episode Listen Later Aug 8, 2022 15:00


    A new MP3 sermon from Hopewell Associate Reformed Presbyterian is now available on SermonAudio with the following details: Title: When Christ, or Life with Him, Doesn't Meet Your Expectations FW0808 Subtitle: Family Worship Speaker: James Hakim Broadcaster: Hopewell Associate Reformed Presbyterian Event: Devotional Date: 8/7/2022 Bible: Luke 7:18-35 Length: 15 min.

    Hopewell Associate Reformed Presbyterian
    When Christ, or Life with Him, Doesn't Meet Your Expectations FW0808

    Hopewell Associate Reformed Presbyterian

    Play Episode Listen Later Aug 8, 2022 15:00


    What do we do when Jesus is different than our expectations- In these sixteen verses of Holy Scripture, the Holy Spirit teaches us that we must modify our expectations to submit to and adore Jesus in the expectation-shattering greatness of His salvation.

    Devotional on SermonAudio
    When Christ, or Life with Him, Doesn't Meet Your Expectations FW0808

    Devotional on SermonAudio

    Play Episode Listen Later Aug 8, 2022 15:00


    A new MP3 sermon from Hopewell Associate Reformed Presbyterian is now available on SermonAudio with the following details: Title: When Christ, or Life with Him, Doesn't Meet Your Expectations FW0808 Subtitle: Family Worship Speaker: James Hakim Broadcaster: Hopewell Associate Reformed Presbyterian Event: Devotional Date: 8/7/2022 Bible: Luke 7:18-35 Length: 15 min.

    Self Improvement Daily
    A Misunderstanding About Expectations

    Self Improvement Daily

    Play Episode Listen Later Aug 8, 2022 3:32


    Expectations aren't always a bad thing... Expectations that are unfair and overly influenced by others are what start to cause problems. Are you open-minded to learning more about the Better Habits Playbook and how it will transform your life?

    UpNFlamez
    Ep. 91: Expectations v Reality NFL Edition

    UpNFlamez

    Play Episode Listen Later Aug 8, 2022 26:40


    null This is a public episode. If you would like to discuss this with other subscribers or get access to bonus episodes, visit upnflamezpod.substack.com

    Locked On Pac-12  - Daily Podcast On Pac-12 Football & Basketball
    How significant will USC Football's turnaround be in 2022?

    Locked On Pac-12 - Daily Podcast On Pac-12 Football & Basketball

    Play Episode Listen Later Aug 8, 2022 32:20


    Amidst all the discussion of conference realignment, USC Football and the rest of the Pac-12 are just weeks away from starting the 2022 season. Expectations are quite high for Lincoln Riley's first season in Los Angeles with the Trojans, and the potential for being around their 9.5 over/under win total is very feasible. Which games could trip up USC this year? One, for a reason that's hard to quantify, could come during an October trip to the state of Oregon. On today's episode of Locked On Pac-12, Spencer McLaughlin goes through every game on USC's schedule and makes a prediction. He sees the Trojans going 9-3 in the regular season in 2022, with losses at Utah and against ONE of UCLA or Notre Dame. Where else might the Trojans stumble? USC has two very tough games to end the regular season schedule going at UCLA and finishing with Notre Dame at home (in what could be a MASSIVE game in the national CFB landscape). Fortunately for the Trojans, they have three extremely winnable games going into those contests to give them momentum as they look to end strong. Support Us By Supporting Our Sponsors! LinkedIn LinkedIn jobs helps you find the candidates you want to talk to, faster. Post your job for free at Linkedin.com/lockedoncollege Terms and conditions apply. Built Bar Built Bar is a protein bar that tastes like a candy bar. Go to builtbar.com and use promo code “LOCKED15,” and you'll get 15% off your next order. BetOnline BetOnline.net has you covered this season with more props, odds and lines than ever before. BetOnline – Where The Game Starts! Learn more about your ad choices. Visit podcastchoices.com/adchoices

    Pastors' Wives Tell All
    Episode 90 - Expectations vs Reality - When Being a Pastor's Wife Isn't What You Expected

    Pastors' Wives Tell All

    Play Episode Listen Later Aug 8, 2022 36:33


    The pastors' wives discuss all the expectations they had before becoming pastors' wives versus what it's actually like being a pastor's wife. How should ministry leaders handle the disappointments and embrace what ministry life actually is? They answer this and more here! To shop the new line of merch, head here: https://pastorswivestellall.com/shop Want to support the Pastors' Wives Tell All podcast ministry? Become a patron! For more information head to our page on Patreon: https://www.patreon.com/pastorswivestellall SUBSCRIBE: Sign up for our email list and receive updates on new episodes, free gifts, and all the fun! Email sign up HERE! CONTACT US: pastorswivestellall@gmail.com FOLLOW US! Website IG: @pastorswivestellall Facebook: @pastorswivestellall JESSICA: @jessica_taylor_83   IG: @come_away_missions || FB: Come Away Missions IG: @copomarket || FB: COPO Market Websites: COPO Market, Come Away Missions JENNA: @jennaallen FB: @JennaAllenDesign Website: Jenna Allen Design STEPHANIE: @msstephaniegilbert FB: I Literally LOL Website: Stephanie Gilbert - I Literally LOL

    Big Blue Kickoff Live | New York Giants
    Big Blue Kickoff Live 8/8 | Coordinator Pressers

    Big Blue Kickoff Live | New York Giants

    Play Episode Listen Later Aug 8, 2022 60:03


    John Schmeelk and Paul Dottino react to all three coordinator press conferences, chat about the Giants offense, and take calls from fans. SUBSCRIBE NOW **Apple**** | ****Spotify**** | ****Google**** | ****Stitcher**** | ****iHeart Radio** :53 - Notes from practice 18:00 - Coordinator pressers 26:19 - Calls 40:26 - Expectations for preseason game 1 52:39 - Jon FelicianoSee omnystudio.com/listener for privacy information.

    The Anxiety Coaches Podcast
    845: How to Deal with Anxious Expectations

    The Anxiety Coaches Podcast

    Play Episode Listen Later Aug 7, 2022 22:00 Very Popular


    In today's episode, Gina shares strategies for how to deal with anxious expectations. Of particular interest in this episode are the powerful journal exercises that can help turn your expectations into a force of great positivity in your life. Use the power of your expectations to steer yourself towards the good things in life and watch how you expand the overall positivity and abundance available to you. Ned Become the best version of yourself and get 15% off Ned products with code ACP. Go to https://helloned.com/ACP or enter code ACP at checkout. BetterHelp Better Help is bringing you thousands of counselors for your therapy needs and 10% off your first month! https://betterhelp.com/acp discount code acp Find even more peace and calm with our Supercast premium access membership! https://anxietycoaches.supercast.com/ Here's what's included for $5/month: ❤ New Ad-Free episodes every Sunday and Wednesday ❤ Access to the entire Ad-free back-catalog with over 600 episodes ❤ Premium meditations recorded with you in mind ❤ And more fun surprises along the way! All this in your favorite podcast app! To learn more go to: https://www.theanxietycoachespodcast.com Join our Group Coaching Full or Mini Membership Program  Learn more about our One-on-One Coaching What is anxiety? Quote: All negativity is an illusion created by the limited mind to protect and defend itself. – Ambika Wauters Learn more about your ad choices. Visit megaphone.fm/adchoices

    The Par Train - Live. Golf. Improve.
    #198: Your Expectations Are WAY Too High (...and the Data to Prove it)

    The Par Train - Live. Golf. Improve.

    Play Episode Listen Later Aug 7, 2022 69:33


    Lou Stagner (@LouStagner on Twitter) is the Data Lead at Arccos Golf and Assistant Coach at Princeton Golf. Lou breaks down all of the crazy stats he sees from golfers just like us vs. the best players in the world. This conversation will be just what you need before your next round of golf... tempered expectations. And Lou will prove it! This episode has top 10 potential all over it. The Par Train Podcast is brought to you by Rhoback Activewear aka the greatest polos, qzips, and hoodies in golf. Tap this link https://bit.ly/3myURyP for 15% off their new polos, hoodies, performance tees and more (code auto applies in your cart). Still wear a leather belt on the golf course? Stop using the same belt for everything and get yourself a stretchy, woven belt from Roostas! Go to shoproostas.com and enter the code TRAIN for 15% and elevate your golf outfit. Stop leaving your sun protection up to chance in the pro shop and get a good smelling, non greasy option you deserve. Go to www.oarsandalps.com and enter the code TRAIN for 15% off! Don't be like Cerm and use Coppertone Sport. It's time for an upgrade! As always, thanks for hopping aboard. #EnjoyTheRide

    Hummelstown UCC Podcast
    2022-08-07 Expectations

    Hummelstown UCC Podcast

    Play Episode Listen Later Aug 7, 2022 11:45


    Psalm 50:1-8, 22-23; Hebrews 11:1-3, 8-16; Luke 12:32-40"Therefore God is not ashamed to be called their God; indeed, God has prepared a city for them...."

    The Broadcast Retirement Network
    BRN Sunday | July's Jobs Report exceeds expectations: a look at prospects for long term investing (retirement)

    The Broadcast Retirement Network

    Play Episode Listen Later Aug 7, 2022 27:09


    BRN Sunday | July's Jobs Report exceeds expectations: a look at prospects for long term investing (retirement), First the Great Resignation, now tech workers are worrying about losing their jobs and, FCC Looks at Freeing Up More Spectrum for satellite internet  | Daniel Kline, TheStreet and Oliver Renick, TD Ameritrade Network | Visit http://www.broadcastretirementnetwork.com­­­­­­­­­­­­­­­­s rates

    Locked On Sooners
    OU's Jeff Lebby shares the best part of Dillon Gabriel's offseason, Gabriel sounds off on his expectations for the Oklahoma Sooners in 202

    Locked On Sooners

    Play Episode Listen Later Aug 6, 2022 32:46 Very Popular


    Oklahoma Sooners offensive coordinator Jeff Lebby and OU quarterback Dillon Gabriel met with the media to preview the 2022 season at OU Media Days. Hosts John Williams and Josh Helmer react to what Jeff Lebby had to say about the most impressive part of Gabriel's offseason and Gabriel's belief that he and his Oklahoma Football teammates are prepared to show why they're confident for 2022. Support us by supporting our sponsors! Homefield Apparel Homefield is a premium apparel brand that has incredibly comfortable, officially-licensed apparel with vintage college designs. The Oklahoma collection launches on July 9 and will feature 15 pieces, including t-shirts, hoodies, and crewnecks. New customers can get 15% off their first purchase from Homefield with the code LOCKEDONSOONERS. Built Bar Built Bar is a protein bar that tastes like a candy bar. Go to builtbar.com and use promo code "LOCKED15" and you'll get 15% off your next order. BetOnline BetOnline.net has you covered this season with more props, odds and lines than ever before. BetOnline - Where The Game Starts! Rock Auto Amazing selection. Reliably low prices. All the parts your car will ever need. Visit RockAuto.com and tell them Locked On sent you. Learn more about your ad choices. Visit podcastchoices.com/adchoices

    98.7 ESPN New York: Dave Rothenberg
    The Dave Rothenberg Show Hour 3: Expectations for Jets and Giants

    98.7 ESPN New York: Dave Rothenberg

    Play Episode Listen Later Aug 6, 2022 43:26 Very Popular


    Dave talks about what could be in store for both the Jets and Giants. Does Daniel Jones or Zack Wilson take the next step? Learn more about your ad choices. Visit megaphone.fm/adchoices

    Outkick the Coverage with Clay Travis
    Up On Game Hour 2: Hall of Fame Snubs, Expectations for the Raiders and Jaguars

    Outkick the Coverage with Clay Travis

    Play Episode Listen Later Aug 6, 2022 40:25


    LaVar Arrington, TJ Houshmandzadeh, and Plaxico Burress discuss the Pro Football Hall of Fame inductions and highlight some guys who deserve to be in the Hall with this week's Legendary Moment. The guys break down their expectations with the Raiders offense after adding Davante Adams, and TJ breaks down why you should anticipate Trevor Lawrence taking a big step forward in his progression this year. Are the Dolphins setting the table for Sean Payton to replace Mike McDaniel after one year? Plus, the guys give their thoughts on a Saints rookie getting kicked out of practice after 3 straight days of altercations!#2pros #fsrweekendsSee omnystudio.com/listener for privacy information.

    Cougar Sports with Ben Criddle (BYU)
    8-5-22 - Jared Lloyd, Daily Herald - What expectations should we have for fall camp?

    Cougar Sports with Ben Criddle (BYU)

    Play Episode Listen Later Aug 6, 2022 16:10


    Today's Co-Hosts: Ben Criddle (@criddlebenjamin) Subscribe to the Cougar Sports with Ben Criddle podcast:Apple Podcastshttps://itunes.apple.com/us/podcast/cougar-sports-with-ben-criddle/id996764363Google Podcastshttps://www.google.com/podcasts?feed=aHR0cHM6Ly93d3cuc3ByZWFrZXIuY29tL3Nob3cvMTM2OTkzOS9lcGlzb2Rlcy9mZWVkSpotifyhttps://open.spotify.com/show/7dZvrG1ZtKkfgqGenR3S2mPocket Castshttps://pca.st/SU8aOvercasthttps://overcast.fm/itunes996764363/cougar-sports-with-ben-criddle-byuSpreakerhttps://www.spreaker.com/show/cougar-sports-with-ben-criddleStitcherhttps://www.stitcher.com/s?fid=66416iHeartRadiohttps://www.iheart.com/podcast/966-cougar-sports-with-29418022TuneInhttps://tunein.com/podcasts/Sports-Talk--News/Cougar-Sports-with-Ben-Criddle-p731529/Subscribe to the Cougar Bytes podcast:Apple Podcastshttps://podcasts.apple.com/us/podcast/cougar-bytes/id1459679000Google Podcastshttps://www.google.com/podcasts?feed=aHR0cHM6Ly93d3cuc3ByZWFrZXIuY29tL3Nob3cvMzQ3Nzc1OS9lcGlzb2Rlcy9mZWVkSpotifyhttps://open.spotify.com/show/5ZypcLEPas3ityVckKckVaPocket Castshttps://pca.st/9zjSOvercasthttps://overcast.fm/itunes1459679000/cougar-bytesSpreakerhttps://www.spreaker.com/show/3477759Stitcherhttps://www.stitcher.com/podcast/espn960sports/cougar-bytesTuneInhttps://tunein.com/podcasts/Sports--Recreation-Podcasts/Cougar-Bytes-p1217875iHeartRadiohttps://www.iheart.com/podcast/cougar-bytes-43051393/

    The Remote Real Estate Investor
    Ask Michael anything: Return metrics, partnerships, & expectations

    The Remote Real Estate Investor

    Play Episode Listen Later Aug 6, 2022 28:12


    In today's episode, we take on listener-submitted questions. We'll discuss calculating cash flow, risk-adjusted returns, getting started without large sums of capital with partnerships, and Michael's personal thoughts on the current housing market. We love hearing from you all and taking on your questions, so please keep them coming. Whether it is through reviews or YouTube comments, we will do our best to get to all relevant questions you all send our way. --- Transcript Before we jump into the episode, here's a quick disclaimer about our content. The Remote Real Estate Investor podcast is for informational purposes only, and is not intended as investment advice. The views, opinions and strategies of both the hosts and the guests are their own and should not be considered as guidance from Roofstock. Make sure to always run your own numbers, make your own independent decisions and seek investment advice from licensed professionals.   Pierre: Hey, everyone, and welcome to the Remote Real Estate Investor. My name is Pierre Carrillo and today I'm with…   Michael: Michael Albaum   Pierre: and today we're going to go over some more listener submitted questions. So let's jump into it.   Good morning, Michael. How are you today?   Michael: I'm good. I'm good man woke up in Washington State this morning on our way up to the San Juan Islands so couldn't be more excited. How about you? I know it's a big day, couple days coming up for you too.   Pierre: I'm doing good man. It's hard to sleep so excited for the weekend…   Michael: Do you want to give our listeners any insights into why it might be hard for you to sleep?   Pierre: Yeah, keep on having dreams that the day is something that can go wrong on the day. I'm getting married this weekend, so…   Michael: Nice man super excited for you and it's gonna go flawlessly.   Pierre: I'm sure I'm just having these weird dreams that are very, very unlikely about like, completely impossible case scenarios, but…   Michael: Pterodactyls are gonna crash your wedding and…     Pierre: Pterodactyls are gonna come down on the altar and knock over the tables. Oh, man, well, it's really stupid.   Michael: It's gonna be an amazing event, really, congratulations and I can't wait to see pictures after.   Pierre: Thank you, Mike. Cool, so we got a bunch of questions here. Let's see how many we can get through. We're kind of in a rush today. So let's, let's knock out what we can. Alright, let's knock out some of these easier ones real quick. First, is cashflow accounting for all the costs for owning a property?   Michael: Yes, I think it should. You'll get different definitions from different people. Some might say, hey, your cash flow is you take your rent, and you subtract out your PI TI, because that's your principal interest, taxes and insurance. Those are the expenses that they're accounted for everything leftover as cashflow. I'm quite a bit more conservative and I say, hey, yeah, that's a big chunk of what you got to subtract out from the rent but there's also prepared maintenance Property Management expenses, if using a manager capex reserves, things that could go sideways and so you want to have money set aside and earmarked for those expenses for not if but when they show up and then anything above and beyond that is your true, free and clear cash flow is what I would say.   Pierre: Agreed, yeah, should operate on its own as its own business. Next question here, thinking about generating cash flow faster? Does it make sense to purchase a portfolio of single family homes versus one unit generating the same income?   Michael: Hmm, that's a really good question. So I think it comes down to personal risk tolerance and personal investment thesis and strategy. So we could absolutely make the argument that hey, that person that has 10 single family homes, has less risk, from an occupancy standpoint than the person that owns one big single family home that generates the same revenue, let's say, because if one person leaves the person, the guy who are the person who has the portfolio, if one person leaves, they're still 90% occupied, they've only got a 10% vacancy, because they've got 10 folks living there. If, on the other hand, are single portfolio or single house person, if they have that tenant leaves or 100% vacant. Now, we could also make the argument that the person with 10 homes has 10 roofs to maintain, and 10 h facts to worry about and 10 sewer systems to keep track of, versus the person with the one property only has one of each of those things, the knife kind of cuts both ways. What I personally have experienced is that's the reason I went to multifamily is because you get the occupancy and vacancy robustness of having multiple properties but you only have one roof, I still might have 10 H facts if it's 10 unit property or 10, whatever 10 systems to maintain.   But geographically speaking, it's all in one place and so it's a little bit easier to manage. Now, multifamily apartments are going to be very different than a single family from an asset class and you're likely tenant base and the stickiness of a tenant. So that's a whole another conversation for another time. But again, I think the knife cuts both ways, so it's tough to say definitively one or the other.   Pierre: Wouldn't speak to the quality of a property if 10 of them are cash flowing or generating as much revenue as one property, we would be talking about 10 lower quality or lower tier properties, comparing that to one higher tier property.   Michael: Yeah, you probably could get there with logic but I think it's really tough to do in the sense of that's a very unlikely scenario unless you were in two totally separate mark gets in once you kind of leave the bounds of the market, a lot of bets are off anyhow. Yes, real estate is contiguous in the sense of how it's built in a lot of instances and the fundamentals and the mathematics. But the specifics is the specifics is the specifics and the nuances of operating a single family rental in New York is gonna be very different than operating one in California, or in any city that you go into in between. So yeah, it's just it's an unlikely scenario that you would have 10 equaling the gross revenue of one unless that one was like a really big Airbnb or something but again, that's a whole different animal unto itself.   Pierre: All right, what is a risk adjusted cash on cash return?   Michael: That's a really good question. So a risk adjusted cash on cash return is basically taking what institutions it's implementing what institutions do and how they rate properties, and how they think about risk tolerance. So if you can imagine, here, if your buy box is targeting a three, two single family home and a three star neighborhood, and you're targeting an 8% cash on cash return, I'm making up numbers here, right? If you found a property that was in a four star neighborhood was in a better neighborhood, you should be okay accepting a lower return than your targeted 8%. Maybe you're okay with a six and a half percent cash on cash because there's a trade off, right? You were targeting this property for 300, you got something that was better than what you were looking for in one category and so there's this sliding scale and we can see I'm a very visual person, right.   So there's this balance the seesaw, if you will, of usually cashflow versus neighborhood score and so that tends to slide or cash flow and appreciation tends to slide and so we are sliding a little bit more onto the appreciation side, because we're in a better neighborhood, therefore, we should be okay giving up a little bit in terms of our cash flow. Now, that scale should absolutely slide the other way. If you found a property that was in a two star neighborhood, let's say and you were targeting again, three and eight, well, hey, you're giving up a little bit on the potential appreciation, or at least we will expect you to because of the neighborhood rating, as compared to the three therefore you should be demanding a better cash on cash return. It's a way to be dynamic with your Buy Box and adjust to the situation that you find yourself in with regard to the physical properties themselves, as opposed saying, okay, I'm only taking a three star 8% cash on cash like, yeah, you're totally welcome to do that but this gives you a little bit of a wider scope, so to speak.   Pierre: Okay, is there a way to what's Is there a formula to use to calculate what your risk adjusted return should be based on different neighborhood ratings or property ratings?   Michael: There is and so yes, and no. So we built that into the Roofstock Academy calculators that we helped give folks to help evaluate them, help them evaluate properties. So we built that in for some folks, if you're doing it on your own, it just really comes down to what your risk tolerance looks like and so you and I keep looking at the same we can have the same Buy Box three star neighborhood 8% cash on cash and if we both find a property, that's four star neighborhood, I might be okay, accepting a six and a half percent cash on cash, you might only be okay at 7% because of what your investment thesis is, and risk tolerance looks like I might be putting more eggs in the appreciation basket, so to speak, where you might be saying that I don't know if it's gonna appreciate that much. So it's more of a concept than a than a true like mathematical formula. So I think it's just important to be thinking about and be aware of as folks looking at properties in, you know, in neighborhoods in areas and markets outside of their direct scope.   Pierre: Let's stick with the cash on cash topic. Mike, in this question here asks, is 8% a reasonable cash on cash return to seek in this market today?   Michael: So you're using my own number against…   Pierre: …a just happened to be just 8%?...   Michael: Our last example? Yeah, it just happened to screenshare. So it all depends, I think is so often the answer, unfortunately, and it depends on a number of different factors. I just underwrote a property that I purchased as a short term rental, where the projected cash on cash was like 15 16%. So is 8% reasonable, totally doubling that. So it really comes down to what's your strategy is cashflow, and long term rentals what we're talking about here, and I'm gonna assume for a minute that it is. Yeah, I think it's still totally possible. We just have to engineer the return correctly, which is something I think a lot of people aren't familiar with or don't know how to do or aren't willing to do from the standpoint of, I think so many of us are trained to go purchase rentals with 20% down and that's it. That's the deal. Well, that is one way to purchase rentals. But if the returns don't work at that threshold, maybe we tweak it, maybe we need to put 20% down maybe had to put 30 40% down and I think people are listening to this and if they're really familiar with the mathematical equation for cash on cash might be thinking, Michael, that's going to drive your cash on cash down, because we're using less leverage and in a lot of instances, it will, but not all of them and so there are very certain types of properties based on the characteristics of purchase price, what they rent for their expense profiles, and what your what kind of leverage you're using, that all goes into this recipe, so to speak, to bake the end result, which is often cash on cash and cap rate and so we can unequivocally say, less leveraged bad in terms of cash on cash return. So we want to run the numbers and look at putting a larger percent down, because that will often give you a break on the interest rate and the larger the property purchase in terms of purchase price, the more impactful that additional breaking interest rate becomes and so if we're looking at an $80,000 property, for example, we're going to finance it, the difference between a 4% interest rate or a 6% interest rate doesn't move the needle a lot. Of course, 4% is better than 6%, because we're paying less in interest over the life of that loan, our monthly payments are smaller. But if we're purchasing a $250,000 property, the difference between a four and six can be quite significant in terms of actual dollars that you're spending on that monthly payment. So I think we just need to be a little more creative on how we engineer properties in terms of the purchase, are we purchasing them, right? Using the proper amount of leverage? That can that can be all that's needed to dictate what our return looks like.   Pierre: Cool and we did a video on this specifically, using a pro forma template and running the numbers and comparing what kind of property would do better with an all cash offer and what one would do better with leverage. So check that link right above here for seeing like break that all down into detail. Like what is the lowest cash on cash return that you would accept all other factors considered?   Michael: Oh, that's a really good question. For me, personally, I'll probably be in the 5% range because I know that that's a that's a point in time. I think we're all thinking about this point in time right now as kind of the whole picture, and as the movie. But I think if we think about, again, my visual brain coming into play here, if we think about a movie, like a movie reel, it's snippets of pictures, right? That's where we get our motion picture from and so right now we're seeing one of those snippets, tomorrow is going to be different, the day after is going to be different in every moment, every day, going forward is going to be different and so I'm not looking at this point in time as the whole movie and so if I'm getting a 5% cash on cash today, I know at some point down the road, the rents will probably go up, interest rates may come down. They may not but they may and if I'm okay with 5% today, and the interest rates don't ever go down. Well, okay, I bought a deal that I was okay with earning 5% and again, my rent should go up over time. So my return should get better with time and if the interest rates do go down, well just refinance, and get likely better cash on cash. So you know, I was probably 10%. Last year, if you'd asked me that question. This year, I'm probably at 5% for long term, very traditional rentals. But I've also pivoted my strategy quite a bit to be more short term focused and so the returns there tend to be quite a bit better than your traditional long term, at, at whatever percentage you're okay, accepting today.   Pierre: All right, Mike, this next one? Is it better to save cash and buy a home every two years cash or by using loans? I find using cash, I automatically save about $5,000 in closing costs?   Michael: Yes, so I would say the answer can be a little bit of both. You don't have to do one or the other exclusively and so what I've done in the past that I've seen work really well and can be a very powerful tool is to buy the property, all cash, and then turn around and get your refinance and cash out 75% of the dollars that you put into the deal and so yes, you save cash, when you save dollars by going the all cash out because your closing costs, depending on the size of your deal, those closing costs might be negligible, or they might be significant and so if you determine that they're significant for you, maybe you do just hold the thing in cash for two years and then go buy something else. But I like the all cash purchase because you get the benefits of quick close, aggressive offers, you can often get the purchase price lower, and they just turn around and refi and for you at the end of the day, it's like an all cash it was a finance purchase to begin with, except for that hold period and you might only be able to cash out 75% as opposed to the 80% that you can often get financed when you go to purchase the property which that I still don't understand. By the way, why you can only get 70% on the cash out after you already own the thing versus you can get 80% leverage on the purchase but I aggress. So I think you can do both and I think you have to run the numbers and figure out what makes sense for you and also think about the risk tolerance that that you have as an individual. Are you okay? Parking money in a real estate asset and leaving it there? Where if the value changes overnight, like your cash evaporates or would you rather put leverage on it and so if the value changes, you're only getting impacted what your equity is in the property, you're 20% and the bank kind of shares in the pain, so to speak with you. Now, if you let the property go, when you're underwater, you're gonna feel the most pain the bank's gonna make you pay for that. But there's, there's again, there's risks associated with doing it either way and so I think it's important to evaluate and determine and just decide for yourself what makes the most sense.   Pierre: What options exist for first time investors, if saving cash alone will not suffice 20% down?   Michael: Another super good question. I would say you got to figure out who has what it is that you don't and, and partner up. So or think about partnering up, if you don't have the cash, but you've got the deal and you've got the know how or the drive to do the deal. Go find someone that wants to be involved in real estate, but either doesn't know how, or doesn't have the time or the will to get involved but has money. Conversely, if you've got money, and you're looking to get involved in real estate, but don't have the time or don't know how to find someone that has those things and so those kind of two personality types are three character traits of having one of the three things you need to do a deal, you either need the deal, or you need the drive, or you need the money, they'll find he'll have what you're missing and start piecing it together for yourselves and I think you'll be surprised at how many people have like one or two of these three things, but not are missing the third and are looking for that kind of unlock, if you will and so feels like oh, well how am I going to find some of money, post about it on Bigger Pockets comm join the Roofstock Academy and network with our investors around the world who are doing the same exact things and I think you might be pleasantly surprised to see what you find.   Pierre: Yep and I was at the Bigger Pockets conference in Denver earlier this year and one of the activities they did at the very beginning was like who has cash but no time, and that those people stood up and then they asked who has time but no cash and everyone sit up and just go into those meetings like that. It's like they facilitate these meetings between people who have to could have a symbiotic relationship. So go to conferences, sometimes they may seem like a lot of money, you might pay five $600 to go to one of these things, but it could open up a lot of doors for you. So that was a cool part that I saw there.   Michael: That's great. That's great. Yeah, I think that's perfect.   Pierre: That's how I got my start. I didn't have any money to invest. But I've consumed all of the Roofstock Academy hundreds of podcasts by now. So I had a little bit and so I teamed up with my brother and that's how we got started.   Michael: Perfect, love it love it.   Pierre: All right, how much money should I have saved up before I decide to get my first rental property?   Michael: A million billion dollars, I think you want to have your down payment plus several months of expenses bank will often require six months of PTI in cash. It really depends on the property, if you're buying a brand new property, like brand new construction, a lot of this stuff is going to be warranted by the seller or builder hopefully and then the appliances are going to gonna likely come with a one year warranty or a manufacturer's warranty at some point. So I'm less concerned about a brand new property than it would be 1950s built, everything's still original. So you have to evaluate, okay, what's my, what's my risk here and the way that you would quantify risk, which I think a lot of people don't look at is, first and foremost, what's your insurance deductible, if you've got a $5,000 deductible, you should never have less than five grand in your pocket ready to go tomorrow because if a snowstorm caves in your roof, you're on the hook for the first five grand to replace that roof.   Similarly, if you have a home warranty in place, for all the major appliances, you need your trade coffee, which can be 50 to 100 bucks, whatever and then hopefully, they're going to cover the appliance, but just kind of look around the house and say, Okay, what's likely to fail, you know, walls just don't fall down on themselves. Garages don't just collapse usually on their own, unless you're in a sinkhole or earthquake zone, whatever. So there has to be something to cause this stuff to fail, versus like your electronic components or your appliances. One day, they might just stop working, you got to turn on the stove, and it just doesn't work and you gotta go replace that thing. So I think it's important to look around your specific property and figure out okay, well, what's old and what is my what is my risk profile and where do I have the cash or cash equivalents? You know, some people would argue that a Roth IRA that you put a bunch of money into could be considered a cash equivalent because you always could pull out your, your additional contributions. I think it's up to like five years or something. So like, oh, Well, that's access to money that I didn't maybe know I had. So if you're okay with that, think about what that looks like if that's going to be treated as your cash equivalent, but I would say at least several months of reserves, above and beyond the PITI that the bank is going to require you to have.   Pierre: Cool, let's dig down on this a little bit more like going to like a personal finance perspective. At what point, you know, before getting into real estate, should someone have their financial house in order? What is a good place to be financially before you know that is starting to save up this first chunk of money to get into real estate?   Michael: Yeah, I'd say someone should have a pretty good handle on what their spend in terms of income and expenses looks like and so they know how much on an average month they're spending, they know how much they're saving and they are cognizant of, like just where their dollars go, because you're gonna want to do that with real estate investing, you want to keep track of okay, where are the dollars coming in? Where are they going and you want to make sure that you can A) run the numbers, right, I find that to be a big thing for folks, if you can, if you're already doing that, if you're already tracking and budgeting, basically what we built ourselves a pro forma in life, right is what a budget is same thing for real estate investing. So that skill already translates but if you're constantly trying to figure out where am I dollars going, and you know, I'm spending a bunch more than I'm trying, real estate investing could be tough, because now you're adding an additional expense and we're hoping that there's income coming in if you do your homework there should be and if you operate correctly, there should be. But I'd say you want to feel comfortable because there are big expenses that pop up with real estate investing, anyone who's been in this business long enough will tell you that and so if that makes you uneasy or on shaky, or you're not in a financially sound position to be able to absorb those hits or those blows, that can be really scary and I would definitely encourage everyone to think long and hard before getting involved in this business. Are you willing to stomach that and are you in a financially sound position that you can absorb those blows, and those can come in all different sizes and forms and so again, that's why I think it's so important to understand what your risk exposure looks like because the exposure on a $80,000 house, run of the mill 1950s, build whatever is going to be very different than a $500,000 house in Manhattan or condo, whatever. So it's really important to get clear on okay, where is my exposure coming from and then quantify it? How bad could it get if it's gonna go bad?   Pierre: Alright, next question here, Mike, when I previously own property, I hit a limit, because my debt to income ratio, how do I get around this to own 36 houses in 10 years?   Michael: So I think my guess is that question is coming from someone who purchased their primary residence and then went to purchase investment property. So investment property, in theory should actually better your debt to income because if you can imagine you've got debt now in the form of your mortgage payment, but and then your taxes and insurance. But then you also have income and so the income if we're cashflow positive, outweighs the debt and so we often see debt to income ratios decrease with time and so, I mean, there's your answer, if you're if you're buying cash flowing real estate, your debt to income is gonna be better than it was before you own it. Now, a lot of banks might not consider or give you credit for that, until you've owned the property for X amount of time, this has happened to me, I just had a lender tell me, hey, we're not going to consider the cash flow on your primary residence because it hasn't shown up on your tax returns yet. I'm like, yeah, but look, here's the lease, and here's all the deposit into my account and like, we don't care, whatever. So that could be a scenario but that's a very short term problem and I think, too, by the time someone is looking to purchase, I get the question too, hey, I can only have 10 loans. How do I buy 36 properties or how do I buy more than 10 properties. And what I found just personally, is that by the time someone owns, close to 10 properties, they they're finding out a different way to finance the properties anyhow, whether that's going commercial or going hard money or private money, whatever or you just bundle up a bunch of the single families into a portfolio note, put it on a commercial loan. Now you've just freed up a bunch of more conventional conforming loans. You're back in the game. So I think there's a number of different ways to approach it but I think to the original question of the debt to income issue, again, if you're buying cash flowing rental properties, your debt to income is likely going to be getting better with time.   Pierre: What are your thoughts about the upcoming housing correction crash? Is it best to wait for a few months to see how the market behaves to possible recession and interest rates hike interest rate hikes later in the year?   Michael: That's another really good question. So without having a crystal with a very hot topic, so it's interesting because interest rates have already gone up over the past six months drastically and yet demand still seems to be at an all-time high with purchasing rates at an all-time high. So if you're someone that is feeling more calm, trouble to kind of sit and pause and take a break and just see what happens, knowing full well that interest rates may continue to climb, and prices might not drop. That's totally cool. I think it's the person that's like, hey, I want to wait and see what's going on, figure out where this is going, rates continue to go up, prices continue to go up and that's not something we've seen before other than the last six months and then you're gonna be pissed that you missed out. That's where I think I want to encourage you all to think differently. I think you have to understand full stop, what are the implications of me doing nothing today? What could happen, and be okay with that?   So I think just, again, getting straight with yourself getting clear with yourself around, hey, interest rates might continue to go up. That doesn't necessarily mean prices are going to come down as much as maybe we think they are, or necessarily at all, because again, this past six months, they haven't really come down much and again, it's market specific. So in some markets, you might listen to like, yeah, I've seen it come down 10-50%. That's totally fine in your market, I think it's important to understand your market. So that was a kind of roundabout way of saying, get clear on what could happen, the likely the possible scenarios, and then decide and also like, if you go back to fundamentals, and you're looking at a deal today, and it makes sense and hits your Buy Box, like I'm, I'm all for it. I just bought a deal back in May and prices were more expensive than they were a year ago but I was like, you know what the deal still make sense? The numbers don't make sense. So I'm going to proceed and getting back to like we were talking about previously, interest rates change with time and so if it makes sense today, and it rates go down, you only got a better deal down the road and if they don't well, then okay, then you're okay with the deal that you bought today and again, the income should go up with time.   Pierre: And it does seem like we are seeing a drop in prices in markets where the tech industry is most concentrated. But you're right. It is not global, that it doesn't happen everywhere all at once but it's happening and anecdotally, I'm we're looking at homes right now and see price cuts on so many houses. So it's not a statistic, but I'm seeing it happen…   Michael: But you're seeing it.   Pierre: Yeah. Have you been looking at all Mike for you? You've been in an acquisition mode at all lately?   Michael: No, not since that last one in May. We've been just trying to get the short term rentals humming along nicely and smoothly. So we've just been focused on that and then also my development project getting that over the finish line, which I am so so close, which I'm very excited about.   Pierre: Awesome. Well, that is it for the questions today. Thanks, Mike for sharing.   Michael: You got it.   Pierre: It's got to go.   Michael: Sweet.   Pierre: Thanks, everyone for tuning into the podcast. Please leave us your questions as YouTube comments or on the podcast app. We love hearing from you all. We will catch you on the next episode. Thanks so much for listening.   Michael: Happy investing…

    The Bitboy Crypto Podcast
    Ethereum Surpassing Expectations (Bitcoin Gaining Ground In Bear Market)

    The Bitboy Crypto Podcast

    Play Episode Listen Later Aug 6, 2022 32:24


    Today we will be discussing Bitcoin market reaction as U.S. payrolls data for July comes in at twice the estimated level. Next we'll talk about the recent spike of interest in the Optimism smart contracts and the implications of the coming Ethereum update and last we'll talk about Indian authorities freezing $8.1 Millions dollars' worth of funds on WazirX. Around the Blockchain is your favorite Cryptocurrency show discussing Bitcoin, Ethereum, Cardano, and the top altcoins. Our four crypto experts Cryptostache, The Crypto Factor, Cripto Avances, & mineyourbiz. Tune in for their insightful crypto analysis.

    Up On Game
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    Up On Game

    Play Episode Listen Later Aug 6, 2022 40:25


    LaVar Arrington, TJ Houshmandzadeh, and Plaxico Burress discuss the Pro Football Hall of Fame inductions and highlight some guys who deserve to be in the Hall with this week's Legendary Moment. The guys break down their expectations with the Raiders offense after adding Davante Adams, and TJ breaks down why you should anticipate Trevor Lawrence taking a big step forward in his progression this year. Are the Dolphins setting the table for Sean Payton to replace Mike McDaniel after one year? Plus, the guys give their thoughts on a Saints rookie getting kicked out of practice after 3 straight days of altercations!#2pros #fsrweekendsSee omnystudio.com/listener for privacy information.

    Fox Sports Radio Weekends
    Up On Game Hour 2: Hall of Fame Snubs, Expectations for the Raiders and Jaguars

    Fox Sports Radio Weekends

    Play Episode Listen Later Aug 6, 2022 40:25


    LaVar Arrington, TJ Houshmandzadeh, and Plaxico Burress discuss the Pro Football Hall of Fame inductions and highlight some guys who deserve to be in the Hall with this week's Legendary Moment. The guys break down their expectations with the Raiders offense after adding Davante Adams, and TJ breaks down why you should anticipate Trevor Lawrence taking a big step forward in his progression this year. Are the Dolphins setting the table for Sean Payton to replace Mike McDaniel after one year? Plus, the guys give their thoughts on a Saints rookie getting kicked out of practice after 3 straight days of altercations!#2pros #fsrweekendsSee omnystudio.com/listener for privacy information.

    PFF Fantasy Football Podcast with Jeff Ratcliffe
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    PFF Fantasy Football Podcast with Jeff Ratcliffe

    Play Episode Listen Later Aug 5, 2022 67:11 Very Popular


    Ian Hartitz and Dwain McFarland are joined by the always fantastic Ray Garvin, who is the host of WakeUp TV and contributor for Destination Devy and The Draft Network. Topics include: Year-one upside for Malik Willis if forced into action, how early is too early to draft Breece Hall, are we underestimating James Cook's early-down ability, does Rachaad White really have a path to standalone value, overall thoughts on Treylon Burks, if the Romeo Doubs hype is real, and much more in another electric edition of The PFF Fantasy Football Podcast.