Podcasts about First House

In this episode of The D.O. Show, host Dustin Owen shares seven essential tips every home buyer should know before touring a house. He begins by discussing the importance of getting fully pre-approved for a mortgage, which can give buyers a competitive edge and help them understand exactly what they can afford. Dustin emphasizes that buyers should choose a comfortable budget based on their personal financial situation, rather than simply maxing out their loan approval amount. He also highlights the need to understand total closing costs, which go beyond just the down payment and can include fees for inspections, appraisals, insurance, and more. Dustin goes on to explain how to compare full mortgage offers from different lenders, pointing out that interest rates, points, and lender fees can vary significantly and impact the overall cost of the loan. He provides guidance on how to calculate the true monthly ownership costs, factoring in not only the mortgage payment but also property taxes, homeowner's insurance, private mortgage insurance, and maintenance expenses. Another key tip is to avoid making major financial changes during the buying process, such as taking on new debt or changing jobs, as these actions can jeopardize loan approval. Finally, Dustin advises buyers to evaluate properties based on their actual merits, such as location, condition, and long-term value, rather than being swayed by professional staging or cosmetic upgrades. Throughout the episode, he emphasizes the importance of preparation, research, and informed decision-making to ensure a smooth home buying experience and set the foundation for long-term financial success. Let our team connect you with a Real Estate Expert local to you! https://tloponline.com/real-estate-help/

Welcome to this podcast series where Jerry's son Jarod does his first fix and flip. On this part 1 podcast, learn how Jarod found the deal, negotiated and contracted it, did the property walk-thru and budget and even renegotiated the purchase price...Stay tuned for part 2...Jarod First Deal Playlist:With over 500,000 subscribers, this is the #1 channel on YouTube for all things wholesaling and flipping. SUBSCRIBE NOW! https://www.youtube.com/@FlippingMastery Podcast fan? Listen to your favorite Flipping Mastery TV videos on your favorite podcast platform! http://FlippingMasteryPodcast.com Jerry Norton went from digging holes for minimum wage in his mid 20's to becoming a millionaire by the age of 30. Today he's the nation's leading expert on flipping houses and has taught thousands of people how to live their dream lifestyle through real estate. **NOTE: To Download any of Jerry's FREE training, tools, or resources… Click on the link provided and enter your email. The download is automatically emailed to you. If you don't see it, check your junk/spam folder, in case your email provider put it there. If you still don't see it, contact our support at: support@flippingmastery.comGet Access to Unlimited Free Property Searches and Downloads: https://flippingmastery.com/propwireWholesaling & House Flipping Software: https://flippingmastery.com/flipsterpodMake $10,000 Finding Deals: https://flippingmastery.com/10kpodGet 100% funding for your deals: https://flippingmastery.com/fspodMentoring Program: https://flippingmastery.com/ftpodFREE 8 Week Training Program: https://flippingmastery.com/8wpodGet Paid $8700 To Find Vacant Lots For Jerry: https://flippingmastery.com/lfpodFREE 30 Day Quickstart Kit https://flippingmastery.com/qkpodFREE Virtual Wholesaling Kit: https://flippingmastery.com/vfpodFREE On-Market Deal Finder Tool: https://flippingmastery.com/dcpodFREE Wholesaler Contracts: https://flippingmastery.com/wcpodFREE Comp Tool: https://flippingmastery.com/compodFREE Funding Kit: https://flippingmastery.com/fkpodFREE Agent Offer Sheet & Scripts: https://flippingmastery.com/aspodFREE Cash Buyer Scripts: https://flippingmastery.com/cbspodFREE Best Selling Wholesaling Ebook: https://flippingmastery.com/ebookpodFREE Best Selling Fix and Flip Ebook: https://flippingmastery.com/ebpodFREE Rehab Checklist: https://flippingmastery.com/rehabpod LET'S CONNECT! FACEBOOK http://www.Facebook.com/flippingmastery INSTAGRAM http://www.instagram.com/flippingmastery

 ਜੈਤਸਰੀ ਮਹਲਾ ੪ ਘਰੁ ੧ ਚਉਪਦੇ ੴ ਸਤਿਗੁਰ ਪ੍ਰਸਾਦਿ ॥ਮੇਰੈ ਹੀਅਰੈ ਰਤਨੁ ਨਾਮੁ ਹਰਿ ਬਸਿਆ ਗੁਰਿ ਹਾਥੁ ਧਰਿਓ ਮੇਰੈ ਮਾਥਾ ॥ ਜਨਮ ਜਨਮ ਕੇ ਕਿਲਬਿਖ ਦੁਖ ਉਤਰੇ ਗੁਰਿ ਨਾਮੁ ਦੀਓ ਰਿਨੁ ਲਾਥਾ ॥੧॥ ਮੇਰੇ ਮਨ ਭਜੁ ਰਾਮ ਨਾਮੁ ਸਭਿ ਅਰਥਾ ॥ ਗੁਰਿ ਪੂਰੈ ਹਰਿ ਨਾਮੁ ਦ੍ਰਿੜਾਇਆ ਬਿਨੁ ਨਾਵੈ ਜੀਵਨੁ ਬਿਰਥਾ ॥ ਰਹਾਉ ॥ ਬਿਨੁ ਗੁਰ ਮੂੜ ਭਏ ਹੈ ਮਨਮੁਖ ਤੇ ਮੋਹ ਮਾਇਆ ਨਿਤ ਫਾਥਾ ॥ ਤਿਨ ਸਾਧੂ ਚਰਣ ਨ ਸੇਵੇ ਕਬਹੂ ਤਿਨ ਸਭੁ ਜਨਮੁ ਅਕਾਥਾ ॥੨॥ ਜਿਨ ਸਾਧੂ ਚਰਣ ਸਾਧ ਪਗ ਸੇਵੇ ਤਿਨ ਸਫਲਿਓ ਜਨਮੁ ਸਨਾਥਾ ॥ ਮੋ ਕਉ ਕੀਜੈ ਦਾਸੁ ਦਾਸ ਦਾਸਨ ਕੋ ਹਰਿ ਦਇਆ ਧਾਰਿ ਜਗੰਨਾਥਾ ॥੩॥ ਹਮ ਅੰਧੁਲੇ ਗਿਆਨਹੀਨ ਅਗਿਆਨੀ ਕਿਉ ਚਾਲਹ ਮਾਰਗਿ ਪੰਥਾ ॥ ਹਮ ਅੰਧੁਲੇ ਕਉ ਗੁਰ ਅੰਚਲੁ ਦੀਜੈ ਜਨ ਨਾਨਕ ਚਲਹ ਮਿਲੰਥਾ ॥੪॥੧॥ JAITSREE, FOURTH MEHL, FIRST HOUSE, CHAU-PADAS:ONE UNIVERSAL CREATOR GOD. BY THE GRACE OF THE TRUE GURU:The Jewel of the Lord's Name abides within my heart; the Guru has placed His hand on my forehead. The sins and pains of countless incarnations have been cast out. The Guru has blessed me with the Naam, the Name of the Lord, and my debt has been paid off. || 1 || O my mind, vibrate the Lord's Name, and all your affairs shall be resolved. The Perfect Guru has implanted the Lord's Name within me; without the Name, life is useless. || Pause || Without the Guru, the self-willed manmukhs are foolish and ignorant; they are forever entangled in emotional attachment to Maya. They never serve the feet of the Holy; their lives are totally useless. || 2 || Those who serve at the feet of the Holy, the feet of the Holy, their lives are made fruitful, and they belong to the Lord. Make me the slave of the slave of the slaves of the Lord; bless me with Your Mercy, O Lord of the Universe. || 3 || I am blind, ignorant and totally without wisdom; how can I walk on the Path? I am blind — O Guru, please let me grasp the hem of Your robe, so that servant Nanak may walk in harmony with You. || 4 || 1 ||Here is a comprehensive, structured summary of the Shabad by Guru Ram Das Ji (Jaitsree Mahala 4, Ghar 1):The Core MessageThis Shabad emphasizes the supreme importance of the Guru's guidance and the meditation on Naam (the Divine Name). Without the Guru, humans are spiritually blind, trapped in worldly illusion (Maya), and wasting their lives. With the Guru's grace, past sins are erased, life becomes fruitful, and one finds the path to spiritual liberation.Key Themes & Teachings1. The Transformative Power of the Guru's GraceErasing Past Karma: When the Guru blesses a disciple (metaphorically placing His hand on their forehead), the precious jewel of Naam is enshrined in the heart. This divine connection erases the sins and sufferings of countless past lifetimes.Fulfilling Life's Purpose: Meditating on the Divine Name resolves all spiritual and worldly affairs. Life lived without this connection is deemed completely useless.2. The Contrast: Self-Willed vs. Guru-GuidedAspectThe Self-Willed (Manmukh)The Guru-Guided (Gurmukh)State of MindFoolish, ignorant, and spiritually blind.Wise, stable, and spiritually enlightened.Worldly AttachmentConstantly trapped in the emotional attachment to Maya (materialism).Free from worldly attachments, focusing on eternal truth.ActionNever seeks the company of the holy or the feet of the Guru.Surrenders to the Guru and serves the saints.Outcome of LifeThe entire life is wasted and goes in vain.Life is successful, fruitful, and accepted by God.3. Utmost Humility and DevotionThe Desire to Serve: The Guru expresses supreme humility, praying to become "the servant of the servant of the servants" of the Divine.The Plea for Guidance: Recognizing human limitation, the Shabad compares human beings to spiritually blind individuals who lack the wisdom to walk the path of life on their own.The Ultimate Prayer: "I am blind, ignorant, and totally without wisdom... O Guru, please let me grasp the hem of Your robe, so that I may walk in harmony with You."

ਧਨਾਸਰੀ ਮਹਲਾ ੪ ਘਰੁ ੧ ਚਉਪਦੇ    ੴ ਸਤਿਗੁਰ ਪ੍ਰਸਾਦਿ ॥ ਜੋ ਹਰਿ ਸੇਵਹਿ ਸੰਤ ਭਗਤ ਤਿਨ ਕੇ ਸਭਿ ਪਾਪ ਨਿਵਾਰੀ ॥ ਹਮ ਊਪਰਿ ਕਿਰਪਾ ਕਰਿ ਸੁਆਮੀ ਰਖੁ ਸੰਗਤਿ ਤੁਮ ਜੁ ਪਿਆਰੀ ॥੧॥ ਹਰਿ ਗੁਣ ਕਹਿ ਨ ਸਕਉ ਬਨਵਾਰੀ ॥ ਹਮ ਪਾਪੀ ਪਾਥਰ ਨੀਰਿ ਡੁਬਤ ਕਰਿ ਕਿਰਪਾ ਪਾਖਣ ਹਮ ਤਾਰੀ ॥ ਰਹਾਉ ॥ ਜਨਮ ਜਨਮ ਕੇ ਲਾਗੇ ਬਿਖੁ ਮੋਰਚਾ ਲਗਿ ਸੰਗਤਿ ਸਾਧ ਸਵਾਰੀ ॥ ਜਿਉ ਕੰਚਨੁ ਬੈਸੰਤਰਿ ਤਾਇਓ ਮਲੁ ਕਾਟੀ ਕਟਿਤ ਉਤਾਰੀ ॥੨॥ ਹਰਿ ਹਰਿ ਜਪਨੁ ਜਪਉ ਦਿਨੁ ਰਾਤੀ ਜਪਿ ਹਰਿ ਹਰਿ ਹਰਿ ਉਰਿ ਧਾਰੀ ॥ ਹਰਿ ਹਰਿ ਹਰਿ ਅਉਖਧੁ ਜਗਿ ਪੂਰਾ ਜਪਿ ਹਰਿ ਹਰਿ ਹਉਮੈ ਮਾਰੀ ॥੩॥ ਹਰਿ ਹਰਿ ਅਗਮ ਅਗਾਧਿ ਬੋਧਿ ਅਪਰੰਪਰ ਪੁਰਖ ਅਪਾਰੀ ॥ ਜਨ ਕਉ ਕ੍ਰਿਪਾ ਕਰਹੁ ਜਗਜੀਵਨ ਜਨ ਨਾਨਕ ਪੈਜ ਸਵਾਰੀ ॥੪॥੧॥ ਅਰਥ: ਹੇ ਹਰੀ! ਹੇ ਪ੍ਰਭੂ! ਮੈਂ ਤੇਰੇ ਗੁਣ ਬਿਆਨ ਨਹੀਂ ਕਰ ਸਕਦਾ। ਅਸੀ ਜੀਵ ਪਾਪੀ ਹਾਂ, ਪਾਪਾਂ ਵਿਚ ਡੁੱਬੇ ਰਹਿੰਦੇ ਹਾਂ, ਜਿਵੇਂ ਪੱਥਰ ਪਾਣੀ ਵਿਚ ਡੁੱਬੇ ਰਹਿੰਦੇ ਹਨ। ਮੇਹਰ ਕਰ, ਸਾਨੂੰ ਪੱਥਰਾਂ (ਪੱਥਰ-ਦਿਲਾਂ) ਨੂੰ ਸੰਸਾਰ-ਸਮੁੰਦਰ ਤੋਂ ਪਾਰ ਲੰਘਾ ਲੈ।ਰਹਾਉ। ਹੇ ਪ੍ਰਭੂ! ਤੇਰੇ ਜੇਹੜੇ ਸੰਤ ਜੇਹੜੇ ਭਗਤ ਤੇਰਾ ਸਿਮਰਨ ਕਰਦੇ ਹਨ, ਤੂੰ ਉਹਨਾਂ ਦੇ (ਪਿਛਲੇ ਕੀਤੇ) ਸਾਰੇ ਪਾਪ ਦੂਰ ਕਰਨ ਵਾਲਾ ਹੈਂ। ਹੇ ਮਾਲਕ-ਪ੍ਰਭੂ! ਸਾਡੇ ਉੱਤੇ ਭੀ ਮੇਹਰ ਕਰ, (ਸਾਨੂੰ ਉਸ) ਸਾਧ ਸੰਗਤਿ ਵਿਚ ਰੱਖ ਜੇਹੜੀ ਤੈਨੂੰ ਪਿਆਰੀ ਲੱਗਦੀ ਹੈ।੧। ਹੇ ਭਾਈ! ਜਿਵੇਂ ਸੋਨਾ ਅੱਗ ਵਿਚ ਤਪਾਇਆਂ ਉਸ ਦੀ ਸਾਰੀ ਮੈਲ ਕੱਟੀ ਜਾਂਦੀ ਹੈ, ਲਾਹ ਦਿੱਤੀ ਜਾਂਦੀ ਹੈ, ਤਿਵੇਂ ਜੀਵਾਂ ਦੇ ਅਨੇਕਾਂ ਜਨਮਾਂ ਦੇ ਚੰਬੜੇ ਹੋਏ ਪਾਪਾਂ ਦਾ ਜ਼ਹਰ ਪਾਪਾਂ ਦਾ ਜੰਗਾਲ ਸਾਧ ਸੰਗਤਿ ਦੀ ਸਰਨ ਪੈ ਕੇ ਸੋਧਿਆ ਜਾਂਦਾ ਹੈ। (ਹੇ ਭਾਈ! ਤਾਂਹੀਏਂ) ਮੈਂ (ਭੀ) ਦਿਨ ਰਾਤ ਪਰਮਾਤਮਾ ਦੇ ਨਾਮ ਦਾ ਜਾਪ ਜਪਦਾ ਹਾਂ, ਨਾਮ ਜਪ ਕੇ ਉਸ ਨੂੰ ਆਪਣੇ ਹਿਰਦੇ ਵਿਚ ਵਸਾਈ ਰੱਖਦਾ ਹਾਂ। ਹੇ ਭਾਈ! ਪਰਮਾਤਮਾ ਦਾ ਨਾਮ ਜਗਤ ਵਿਚ ਐਸੀ ਦਵਾਈ ਹੈ ਜੋ ਆਪਣਾ ਅਸਰ ਕਰਨੋਂ ਕਦੇ ਨਹੀਂ ਖੁੰਝਦੀ। ਇਹ ਨਾਮ ਜਪ ਕੇ (ਅੰਦਰੋਂ) ਹਉਮੈ ਮੁਕਾ ਸਕੀਦੀ ਹੈ।੩। ਹੇ ਨਾਨਕ! ਆਖ-) ਹੇ ਅਪਹੁੰਚ! ਹੇ ਮਨੁੱਖਾਂ ਦੀ ਸਮਝ ਤੋਂ ਪਰੇ! ਹੇ ਪਰੇ ਤੋਂ ਪਰੇ! ਹੇ ਸਰਬ-ਵਿਆਪਕ! ਹੇ ਬੇਅੰਤ! ਹੇ ਜਗਤ ਦੇ ਜੀਵਨ! ਆਪਣੇ ਦਾਸਾਂ ਉਤੇ ਮੇਹਰ ਕਰ, ਤੇ, (ਇਸ ਵਿਕਾਰ-ਭਰੇ ਸੰਸਾਰ-ਸਮੁੰਦਰ ਵਿਚੋਂ) ਦਾਸਾਂ ਦੀ ਲਾਜ ਰੱਖ ਲੈ।੪।੧। DHANAASAREE, FOURTH MEHL, FIRST HOUSE, CHAU-PADAS: ONE UNIVERSAL CREATOR GOD. BY THE GRACE OF THE TRUE GURU: Those Saints and devotees who serve the Lord have all their sins washed away. Have Mercy on me, O Lord and Master, and keep me in the Sangat, the Congregation that You love. || 1 || I cannot even speak the Praises of the Lord, the Gardener of the world. We are sinners, sinking like stones in water; grant Your Grace, and carry us stones across. || Pause || The rust of poison and corruption from countless incarnations sticks to us; joining the Saadh Sangat, the Company of the Holy, it is cleaned away. It is just like gold, which is heated in the fire, to remove the impurities from it. || 2 || I chant the chant of the Name of the Lord, day and night; I chant the Name of the Lord, Har, Har, Har, and enshrine it within my heart. The Name of the Lord, Har, Har, Har, is the most perfect medicine in this world; chanting the Name of the Lord, Har, Har, I have conquered my ego. || 3 || The Lord, Har, Har, is unapproachable, of unfathomable wisdom, unlimited, all-powerful and infinite. Show Mercy to Your humble servant, O Life of the world, and save the honor of servant Nanak. || 4 || 1 ||

On Day 3 of the 7th Annual Podathon, April sits down with naturopath, nutritionist, herbalist, and medical astrologer Kira Sutherland to explore how medical astrology can help us understand and support our physical health. They cover the key houses, planets, and transits that matter most when looking at health in the birth chart, and how to work with them practically rather than fearfully. Plus, today's planetary news and Podathon fundraiser details! To be entered in a drawing for a chance to win an eclipse report or a reading, make your donation by midnight PDT on Sep. 14, at bigskyastropod.com. And tune in tomorrow for Day 4's interview with Donna Stellhorn! (Find Kira Sutherland at astrologyofhealth.com and on Instagram @astrologyofhealth.) Make your donation to the Podathon today! Timestamps: [0:00] Podathon intro & donation info [6:58] Today's planetary news: Moon in Leo void-of-course, Moon enters Virgo [10:15] Interview begins: Kira's background in naturopathy and medical astrology [13:11] The Ascendant & First House as the foundation of physical health [15:35] The 6th House (acute illness & preventative health) and 8th House (genetics, surgery) [19:42] The 12th House: chronic illness, hospitals, and why ignoring the 6th lands you there [22:00] Working with outer planet transits (Pluto, Neptune) over the Ascendant [29:34] Menopause in the chart: Mars, Saturn, Chiron return & the Progressed Moon [37:10] The art of convalescence: rest as medicine, especially during the Balsamic Moon phase [40:13] Jupiter in medical astrology: the benefits and the risks of excess [44:23] Using your natal Mars to find the right movement and exercise [46:22] The mutable signs (Virgo, Gemini, Sagittarius, Pisces) and nervous/immune system connections [48:21] Where to find Kira, upcoming projects & wrap-up Mentioned in This Episode: Caroline Myss on finding meaning in illness Dana Gerhardt on lunar phases Kira's upcoming book and her monthly deep-dive course on each sign's ruling planet and house Kira at UAC (United Astrology Conference) in September Support the Podathon! Donate at bigskyastropod.com. Donations of $10+ get access to private Zoom calls and videos. Donations of $25+ are entered for a chance to win a Followed by a Moonshadow Eclipse Report ($35 value), a 60-minute personal astrology reading with April ($195 value), or a 90-minute grand prize reading with April ($245 value)! Deadline to enter: Midnight Pacific Time, Monday, September 14th. Drawing held September 15th.

Check out Lodgify claim your exclusive discount: https://www.lodgify.com/behind-the-stays/  — In just a moment you'll meet Austin Allison — co-founder and CEO of Pacaso, the co-ownership platform that's reimagining how people buy, use, and think about second homes. Austin's dad was a carpenter. They lived paycheck to paycheck in a home with unfinished plywood floors because they couldn't afford carpet. Austin started working job sites with his dad at six or seven years old, and the thing it taught him wasn't carpentry — it was that you can build anything if you decide to. By 17, he'd saved up four thousand dollars, bought a bank foreclosure, and watched the listing agent walk away from the closing table with a check that changed how he thought about money. A week after turning 18, he was enrolled in real estate school. That trajectory led to Dot Loop — a platform Austin built while simultaneously attending law school that went on to power more than half of all digital real estate transactions in the US — and eventually a sale to Zillow, where he worked alongside Spencer Rascoff and the founding team. But the Pacaso idea actually started earlier, back in 2013, when Austin bought a second home in Lake Tahoe and realized he hadn't just purchased a piece of real estate. He'd purchased a second life. In this conversation, Austin walks us through the full arc — from selling birdhouses as a kid to building a unicorn in five months, what it felt like to lay off nearly 300 people when the market turned, and why the six months after selling Dot Loop were some of the lowest of his life. We get into the mechanics of co-ownership, how it's fundamentally different from timeshares, and this new product called Infinity that's unlocking the 80% of luxury second homes around the world that sit empty because owners don't want renters — but would happily swap with other owners. And he makes this point that I keep coming back to — that the people stuck on the hamster wheel aren't the ones who can't afford the life they want. They're the ones who haven't made the decision yet. —   Behind the Stays is brought to you by Journey — a first-of-its-kind loyalty program that brings together an alliance of the world's top independently owned and operated stays and allows travelers to earn points and perks on boutique hotels, vacation rentals, treehouses, ski chalets, glamping experiences and so much more.   Your host is Zach Busekrus, Head of Growth at Journey. If you are a hospitality entrepreneur who has a stay, or a collection of stays with soul, we'd love for you to apply to join our Alliance at journey.com/alliance.

Gerardo Hernandez shares his journey from real estate agent to successful property flipper and coach, highlighting strategies for scaling, managing teams, and navigating market shifts.   Professional Real Estate Investors - How we can help you: Investor Fuel Mastermind:  Learn more about the Investor Fuel Mastermind, including 100% deal financing, massive discounts from vendors and sponsors you're already using, our world class community of over 150 members, and SO much more here: http://www.investorfuel.com/apply   Investor Machine Marketing Partnership:  Are you looking for consistent, high quality lead generation? Investor Machine is America's #1 lead generation service professional investors. Investor Machine provides true 'white glove' support to help you build the perfect marketing plan, then we'll execute it for you…talking and working together on an ongoing basis to help you hit YOUR goals! Learn more here: http://www.investormachine.com   Coaching with Mike Hambright:  Interested in 1 on 1 coaching with Mike Hambright? Mike coaches entrepreneurs looking to level up, build coaching or service based businesses (Mike runs multiple 7 and 8 figure a year businesses), building a coaching program and more. Learn more here: https://investorfuel.com/coachingwithmike   Attend a Vacation/Mastermind Retreat with Mike Hambright: Interested in joining a "mini-mastermind" with Mike and his private clients on an upcoming "Retreat", either at locations like Cabo San Lucas, Napa, Park City ski trip, Yellowstone, or even at Mike's East Texas "Big H Ranch"? Learn more here: http://www.investorfuel.com/retreat   Property Insurance: Join the largest and most investor friendly property insurance provider in 2 minutes. Free to join, and insure all your flips and rentals within minutes! There is NO easier insurance provider on the planet (turn insurance on or off in 1 minute without talking to anyone!), and there's no 15-30% agent mark up through this platform!  Register here: https://myinvestorinsurance.com/   New Real Estate Investors - How we can work together: Investor Fuel Club (Coaching and Deal Partner Community): Looking to kickstart your real estate investing career? Join our one of a kind Coaching Community, Investor Fuel Club, where you'll get trained by some of the best real estate investors in America, and partner with them on deals! You don't need $ for deals…we'll partner with you and hold your hand along the way! Learn More here: http://www.investorfuel.com/club   —--------------------

A convo about growth, accountability, life, leadership, and doing things the right way.

Shannon Sharpe, Chad "Ochocinco" Johnson, and Joe "King Iso" Johnson bring you the Best of Unc Stories on Nightcap! Relive some of Shannon Sharpe's funnies personal stories, including reminiscing about the legendary rookie pranks from his Denver Broncos days. Subscribe to Nightcap presented by PrizePicks so you don’t miss out on any new drops! Download the PrizePicks app today and use code SHANNON to get $50 in lineups after you play your first $5 lineup! Visit https://prizepicks.onelink.me/LME0/NI...0:00 - Viral IG mishap 0:00 - Shannon tells Ocho about Cookie - his first girlfriend to meet his mom15:09 - Unc's HILARIOUS first house story that he couldn’t afford. Tuna Fish saved Him. 27:30 - Surviving Shannon’s Childhood 30:19 - Shannon nightmare love story of his ex pulling a gun on him for cheating 40:50 - Sterling Sharp joins the show (Timestamps may vary based on advertisements.) #ClubSee omnystudio.com/listener for privacy information.

Tom Sutcliffe is joined by film critic Tim Robey and classicist Edith Hall to discuss:Christopher Nolan's much anticipated film version of Homer's epic The Odyssey, shot with IMAX cameras and with a stellar cast which includes Matt Damon, Anne Hathaway, Tom Holland, Zendaya and Samantha Morton.A new production of The Oresteia directed by acclaimed Australian director Simon Stone at the Bridge Theatre, London. Updated to the contemporary world, the play stars David Morrissey and Mary-Louise Parker.Booker-shortlisted for her novel Burnt Sugar, author Avni Doshi's new book The First House focuses on the impact of a disintegrating marriage. Also, theatre critic Matt Wolf talks to Tom about the state of Broadway musicals after Andrew Lloyd Webber's Cats: The Jellicle Ball announced it will be closing early.Presenter: Tom Sutcliffe Producer: Lucy Collingwood

In this episode, Dwan Bent-Twyford shares her inspiring journey from a Denny's employee to a successful real estate investor and coach. She discusses her innovative approach to rehabbing a town, building a diverse portfolio, and mentoring new investors to achieve financial freedom. In this episode, we explore the journey of a successful entrepreneur who shares insights on scaling a coaching business, podcast growth, marketing strategies, and leadership principles rooted in biblical wisdom. Discover practical tips and inspiring stories to elevate your business and personal life.   Professional Real Estate Investors - How we can help you: Investor Fuel Mastermind:  Learn more about the Investor Fuel Mastermind, including 100% deal financing, massive discounts from vendors and sponsors you're already using, our world class community of over 150 members, and SO much more here: http://www.investorfuel.com/apply   Investor Machine Marketing Partnership:  Are you looking for consistent, high quality lead generation? Investor Machine is America's #1 lead generation service professional investors. Investor Machine provides true 'white glove' support to help you build the perfect marketing plan, then we'll execute it for you…talking and working together on an ongoing basis to help you hit YOUR goals! Learn more here: http://www.investormachine.com   Coaching with Mike Hambright:  Interested in 1 on 1 coaching with Mike Hambright? Mike coaches entrepreneurs looking to level up, build coaching or service based businesses (Mike runs multiple 7 and 8 figure a year businesses), building a coaching program and more. Learn more here: https://investorfuel.com/coachingwithmike   Attend a Vacation/Mastermind Retreat with Mike Hambright: Interested in joining a "mini-mastermind" with Mike and his private clients on an upcoming "Retreat", either at locations like Cabo San Lucas, Napa, Park City ski trip, Yellowstone, or even at Mike's East Texas "Big H Ranch"? Learn more here: http://www.investorfuel.com/retreat   Property Insurance: Join the largest and most investor friendly property insurance provider in 2 minutes. Free to join, and insure all your flips and rentals within minutes! There is NO easier insurance provider on the planet (turn insurance on or off in 1 minute without talking to anyone!), and there's no 15-30% agent mark up through this platform!  Register here: https://myinvestorinsurance.com/   New Real Estate Investors - How we can work together: Investor Fuel Club (Coaching and Deal Partner Community): Looking to kickstart your real estate investing career? Join our one of a kind Coaching Community, Investor Fuel Club, where you'll get trained by some of the best real estate investors in America, and partner with them on deals! You don't need $ for deals…we'll partner with you and hold your hand along the way! Learn More here: http://www.investorfuel.com/club   —--------------------

ਜੈਤਸਰੀ ਮਹਲਾ ੪ ਘਰੁ ੧ ਚਉਪਦੇ ੴ ਸਤਿਗੁਰ ਪ੍ਰਸਾਦਿ ॥ਮੇਰੈ ਹੀਅਰੈ ਰਤਨੁ ਨਾਮੁ ਹਰਿ ਬਸਿਆ ਗੁਰਿ ਹਾਥੁ ਧਰਿਓ ਮੇਰੈ ਮਾਥਾ ॥ ਜਨਮ ਜਨਮ ਕੇ ਕਿਲਬਿਖ ਦੁਖ ਉਤਰੇ ਗੁਰਿ ਨਾਮੁ ਦੀਓ ਰਿਨੁ ਲਾਥਾ ॥੧॥ ਮੇਰੇ ਮਨ ਭਜੁ ਰਾਮ ਨਾਮੁ ਸਭਿ ਅਰਥਾ ॥ ਗੁਰਿ ਪੂਰੈ ਹਰਿ ਨਾਮੁ ਦ੍ਰਿੜਾਇਆ ਬਿਨੁ ਨਾਵੈ ਜੀਵਨੁ ਬਿਰਥਾ ॥ ਰਹਾਉ ॥ ਬਿਨੁ ਗੁਰ ਮੂੜ ਭਏ ਹੈ ਮਨਮੁਖ ਤੇ ਮੋਹ ਮਾਇਆ ਨਿਤ ਫਾਥਾ ॥ ਤਿਨ ਸਾਧੂ ਚਰਣ ਨ ਸੇਵੇ ਕਬਹੂ ਤਿਨ ਸਭੁ ਜਨਮੁ ਅਕਾਥਾ ॥੨॥ ਜਿਨ ਸਾਧੂ ਚਰਣ ਸਾਧ ਪਗ ਸੇਵੇ ਤਿਨ ਸਫਲਿਓ ਜਨਮੁ ਸਨਾਥਾ ॥ ਮੋ ਕਉ ਕੀਜੈ ਦਾਸੁ ਦਾਸ ਦਾਸਨ ਕੋ ਹਰਿ ਦਇਆ ਧਾਰਿ ਜਗੰਨਾਥਾ ॥੩॥ ਹਮ ਅੰਧੁਲੇ ਗਿਆਨਹੀਨ ਅਗਿਆਨੀ ਕਿਉ ਚਾਲਹ ਮਾਰਗਿ ਪੰਥਾ ॥ ਹਮ ਅੰਧੁਲੇ ਕਉ ਗੁਰ ਅੰਚਲੁ ਦੀਜੈ ਜਨ ਨਾਨਕ ਚਲਹ ਮਿਲੰਥਾ ॥੪॥੧॥Here is a complete and structured English summary of the provided Shabad (Jaitsree Mahala 4) by Guru Ram Das Ji.Core Theme: The Saving Grace of the Perfect GuruThe central theme of this Shabad is the absolute necessity of the True Guru in a person's life. Guru Ram Das Ji emphasizes that without the Guru, human life is wasted in the darkness of worldly illusion (Maya). However, when the Guru blesses a seeker, their past sins are erased, and they are safely guided on the spiritual path toward Divine union.Key Spiritual Teachings1. The Priceless Gift of Naam (The Divine Name) * Spiritual Debt Cleared: When the Guru places his blessing hand on the seeker's forehead, the invaluable "Jewel" of God's Name is enshrined within the heart. This divine gift destroys the sins, pains, and karmic debts accumulated over countless lifetimes. * Fulfillment of All Desires: Meditating on God's Name fulfills all spiritual and worldly purposes. To live without this connection to the Naam is to utterly waste human life.2. The Plight of the Self-Willed (Manmukh) * Trapped in Illusion: Those who ignore the Guru and follow their own ego-driven minds remain foolish and spiritually blind. They spend their lives continuously entangled in the emotional attachments of Maya. * A Wasted Life: Because they refuse to seek the company or the humble shelter of the enlightened saints, their entire life's journey becomes completely useless.3. The Virtue of Humility and Service * The True Master: Those who humbly serve the saints and walk in the Guru's footsteps find ultimate fulfillment. They are no longer spiritual orphans; they belong to God. * The Prayer for Humility: The Guru models extreme humility, praying to the Lord of the Universe to be blessed as the "slave of the slave of the slaves" of the Divine.Conclusion & Final PrayerThe Shabad concludes with a poignant confession of human limitation. The Guru states that we are spiritually blind, ignorant, and entirely lacking the wisdom needed to navigate the treacherous path of life on our own.The ultimate prayer is a cry for guidance: "O Guru, let us hold onto the hem of your robe, so that we may walk in step with you and safely reach our destination."JAITSREE, FOURTH MEHL, FIRST HOUSE, CHAU-PADAS:ONE UNIVERSAL CREATOR GOD. BY THE GRACE OF THE TRUE GURU:The Jewel of the Lord's Name abides within my heart; the Guru has placed His hand on my forehead. The sins and pains of countless incarnations have been cast out. The Guru has blessed me with the Naam, the Name of the Lord, and my debt has been paid off. || 1 || O my mind, vibrate the Lord's Name, and all your affairs shall be resolved. The Perfect Guru has implanted the Lord's Name within me; without the Name, life is useless. || Pause || Without the Guru, the self-willed manmukhs are foolish and ignorant; they are forever entangled in emotional attachment to Maya. They never serve the feet of the Holy; their lives are totally useless. || 2 || Those who serve at the feet of the Holy, the feet of the Holy, their lives are made fruitful, and they belong to the Lord. Make me the slave of the slave of the slaves of the Lord; bless me with Your Mercy, O Lord of the Universe. || 3 || I am blind, ignorant and totally without wisdom; how can I walk on the Path? I am blind — O Guru, please let me grasp the hem of Your robe, so that servant Nanak may walk in harmony with You. || 4 || 1 

Reddit Stories - I Bought My First House But My Mom Thinks She Owns It…And I'm Done. OP buys her first house, but her mom treats it like her own, criticizing decor, pushing unwanted furniture, and planning yard changes. After constant fights, OP wonders if protecting her home makes her ungrateful selfish.Become a supporter of this podcast: https://www.spreaker.com/podcast/lost-genre-reddit-stories--5779056/support.

Today, Paul shares a lot of rhetoric around why first-time homebuyers can't get into a home. Most people think that housing regulations or lifestyle are to blame. Paul recognizes that buying a home will likely require a combination of discipline, compromise, and luck. For those thinking about buying a house for the first time, Paul shares some guidelines he would follow. Paul also explains that if ownership is truly important to you, you might have to lower your expectations for your first home or get scrappy to own a home.    Want to cut through the myths about retirement income and learn evidence-based strategies backed by over a century of data? Download our free Retirement Income Guide now at paulwinkler.com/relax and take the stress out of planning your retirement.   This material is for general educational purposes only and is not personalized investment, financial, tax, or legal advice. Past performance does not guarantee future results. Nothing here is an offer, solicitation, or recommendation for any security or strategy. All financial decisions involve risk, and you should consult qualified professionals before acting on this information. Advisory services offered through Paul Winkler, Inc., an SEC-registered investment adviser. 

In this episode... The Dairyman's Daughter! Changes in our culture, Ekco Hostess, Isle of Wight Holidays, a motor home, comedians, a ghost story! Make do and mend, repairing things, a mouse in the garden! Your first house... and so much more! Wow, what a fun-packed episode!

In this episode, Britten begins a new series exploring self-abandonment through the twelve houses of the birth chart, opening with the First House as the realm of arrival, direction, and how we enter the field of life. Returning to themes from her recent reflections on The Matriarchy is Already Here, she traces the relationship between shame, self-trust, and the ways we learn to leave ourselves behind.  Britten's Emergence Astrology sees the language as one of repair, recovery, renewal, and remembering. One that helps reveal where self-abandonment lives and what becomes possible when we choose to stay with ourselves. Britten explores the First House as the helm of the chart: the place connected to action, choice, and the way we steer the boat of our lives. She reflects on self-abandonment as a loss of trust in our own way of moving through the world and asks what it means to remain with ourselves instead. Along the way, she shares why the practice of listening with the Moon has become foundational to the reimagined Emergence Astrology Pathway, her one-to-three year program through the heart of her teachings. Rather than turning away from our own knowing, she invites listeners into a practice of attunement: listening, returning, and learning to trust themselves over time with the reckless freedom they deserve.   Learn More About The Emergence Astrology Pathway: The Emergence Astrology Pathway is a one-to-three year passage to utterly transform your relationship to being alive in your body on planet earth in present time. "The Matriarchy Is Already Here" is a phrase that came to Britten this year in a vision. In this vision, she sees the matriarchy not as a top-down political system that rises up with singular leaders. Rather, the matriarchy is all of us – in all bodies – learning to attune to and take care of the Younger Selves within us, helping us trust that we cannot be abandoned when we have ourselves. Disobedience is the way out. But first: we learn to listen within. We gather in community. We devote ourselves each to our own temples. We resource with the divine within and all around us. And we disrupt as we have the capacity to stay with ourselves through the storm of our true voices. The Emergence Astrology Pathway is a path through Britten's most refined, mature, and powerful curriculum. This experience is designed for those who ever find themselves in a position to support another. Whether you're an established therapeutic practitioner, a leader, a parent, or simply a human being with the sincere desire to show up in your fullest integrity, the Emergence Astrology Pathway will be the remembering and the revelation that you most yearn for. You can join the newsletter to be the first to know when more doors open by clicking here.   +++   E M E R G E N C E  A S T R O L O G Y ⁠⁠https://brittenlarue.com/ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Instagram: ⁠⁠⁠⁠⁠@brittenlarue Order Living Astrology Join my newsletter here Check out my new podcast CRYSTAL BALLERS on Spotify, Podbean, and Apple.   +++   Podcast art: Angela George. Podcast music: Jonathan Koe.   

Sam Wegert reveals how co-living, advanced house hacking, and community-focused investing can help agents build wealth, fight loneliness, and create affordable housing that changes lives.See article: https://www.unitedstatesrealestateinvestor.com/how-co-living-can-turn-pain-into-purpose-and-fulfillment-with-sam-wegert/(00:00) - Introduction to The REI Agent Podcast(00:03) - Meet Sam Wegert: Co-Living Investor, Martial Arts Entrepreneur, and Podcast Host(00:52) - Sam's Torn ACL and the Charlottesville Surgery Conversation(01:55) - The Nepal Martial Arts Performance That Went Wrong(02:30) - Sam's Move to Colombia and the Search for a Slower Life(03:40) - Finding Community After a Major Life Transition(06:03) - Sam Explains the Pull of Expats, Culture, and Balance(06:35) - How Sam Became Financially Independent at 23(06:57) - From Martial Arts Schools to a Real Estate Journey(07:51) - Growing Up Homeschooled in a Packed Log Cabin(08:35) - Buying the First House and Realizing It Was Too Quiet(09:33) - The Aha Moment That Created Sam's Co-Living Strategy(10:15) - Becoming a Massive House Hacker One Home at a Time(10:49) - Advanced House Hacking for Agents With Families(12:02) - PadSplit, Co-Living Platforms, and What Investors Need to Know(12:26) - Why PadSplit Is More Marketing Platform Than Property Manager(14:10) - The Room Is the New Apartment(14:43) - Erica Asks About Loneliness After Leaving a Full House(15:15) - Sam's Monk Side, Social Side, and Need for Community(17:24) - Screening Members and Managing Multiple People Under One Roof(17:43) - The Three Rules of Co-Living: Clean, Quiet, and Safe(19:27) - House Rules, Headphone Hours, Cameras, and Clear Expectations(21:50) - Safety Systems and Furnished Common Areas(22:16) - Building Relationships Across Hundreds of Rooms(24:02) - Why Co-Living Serves Working Professionals, Not Just Students(25:19) - Zoning, Markets, and Where Co-Living Works(25:49) - Trash Cans, Grass, and Protecting the Neighborhood(27:56) - Corporate Rental Structure and Membership Agreements(29:49) - The Legal Debate Around Familial Status and Local Rules(31:09) - Affordable Housing, Density, and the Win-Win Business Model(32:17) - Why Co-Living Does Not Have to Destroy Neighborhoods(33:55) - Couples, Private Entrances, and Parking Rules(34:08) - Erica Explores Hustle Culture Versus Life in Colombia(34:45) - Sam Shares What People Value Differently in Colombia(36:40) - Medellín Internet Speeds and Remote Work Life(37:10) - Rapid Fire Questions and Sam's Golden Nugget(37:32) - Co-Living as a Social Impact Mission(39:33) - Co-Living, Sober Living, and Cash Flow Reality(40:35) - Loving What Is and Challenging Painful Thoughts(41:57) - Erica Connects The Work to Entrepreneurial Fear(42:38) - Sam Checks His Internet Speeds(43:00) - Closing Thanks and Final Takeaway(43:13) - Outro, Subscribe Message, and DisclaimerContact Sam Wegerthttps://samwegert.com/https://www.facebook.com/SamWegertRealEstate/https://www.instagram.com/samwegert/https://www.linkedin.com/in/samuelwegert/https://www.youtube.com/@samwegertSam Wegert's story is a powerful reminder that the best investment strategy is not just about cash flow. It is about building something that serves people, creates connection, and gives working families a better path forward. If this episode challenged the way you think about housing, wealth, loneliness, and purpose, keep learning, keep building, and keep choosing a life that matters. For more conversations that help you grow your income, your mindset, and your mission, visit https://reiagent.comIs success destroying your peace? Most pros grind until they break. Download The Investor's Life Balance Sheet: A Holistic Wealth Audit to see if you are building a legacy or heading for burnout. Presented by The REI Agent Podcast & United States Real Estate Investor® https://sendfox.com/lp/m4jrl

 ਜੈਤਸਰੀ ਮਹਲਾ ੪ ਘਰੁ ੧ ਚਉਪਦੇ ੴ ਸਤਿਗੁਰ ਪ੍ਰਸਾਦਿ ॥ਮੇਰੈ ਹੀਅਰੈ ਰਤਨੁ ਨਾਮੁ ਹਰਿ ਬਸਿਆ ਗੁਰਿ ਹਾਥੁ ਧਰਿਓ ਮੇਰੈ ਮਾਥਾ ॥ ਜਨਮ ਜਨਮ ਕੇ ਕਿਲਬਿਖ ਦੁਖ ਉਤਰੇ ਗੁਰਿ ਨਾਮੁ ਦੀਓ ਰਿਨੁ ਲਾਥਾ ॥੧॥ ਮੇਰੇ ਮਨ ਭਜੁ ਰਾਮ ਨਾਮੁ ਸਭਿ ਅਰਥਾ ॥ ਗੁਰਿ ਪੂਰੈ ਹਰਿ ਨਾਮੁ ਦ੍ਰਿੜਾਇਆ ਬਿਨੁ ਨਾਵੈ ਜੀਵਨੁ ਬਿਰਥਾ ॥ ਰਹਾਉ ॥ ਬਿਨੁ ਗੁਰ ਮੂੜ ਭਏ ਹੈ ਮਨਮੁਖ ਤੇ ਮੋਹ ਮਾਇਆ ਨਿਤ ਫਾਥਾ ॥ ਤਿਨ ਸਾਧੂ ਚਰਣ ਨ ਸੇਵੇ ਕਬਹੂ ਤਿਨ ਸਭੁ ਜਨਮੁ ਅਕਾਥਾ ॥੨॥ ਜਿਨ ਸਾਧੂ ਚਰਣ ਸਾਧ ਪਗ ਸੇਵੇ ਤਿਨ ਸਫਲਿਓ ਜਨਮੁ ਸਨਾਥਾ ॥ ਮੋ ਕਉ ਕੀਜੈ ਦਾਸੁ ਦਾਸ ਦਾਸਨ ਕੋ ਹਰਿ ਦਇਆ ਧਾਰਿ ਜਗੰਨਾਥਾ ॥੩॥ ਹਮ ਅੰਧੁਲੇ ਗਿਆਨਹੀਨ ਅਗਿਆਨੀ ਕਿਉ ਚਾਲਹ ਮਾਰਗਿ ਪੰਥਾ ॥ ਹਮ ਅੰਧੁਲੇ ਕਉ ਗੁਰ ਅੰਚਲੁ ਦੀਜੈ ਜਨ ਨਾਨਕ ਚਲਹ ਮਿਲੰਥਾ ॥੪॥੧॥ ਅਰਥ: ਹੇ ਮੇਰੇ ਮਨ! ਸਦਾ) ਪਰਮਾਤਮਾ ਦਾ ਨਾਮ ਸਿਮਰਿਆ ਕਰ, (ਪਰਮਾਤਮਾ) ਸਾਰੇ ਪਦਾਰਥ (ਦੇਣ ਵਾਲਾ ਹੈ) । (ਹੇ ਮਨ! ਗੁਰੂ ਦੀ ਸਰਨ ਪਿਆ ਰਹੁ) ਪੂਰੇ ਗੁਰੂ ਨੇ (ਹੀ) ਪਰਮਾਤਮਾ ਦਾ ਨਾਮ (ਹਿਰਦੇ ਵਿਚ) ਪੱਕਾ ਕੀਤਾ ਹੈ। ਤੇ, ਨਾਮ ਤੋਂ ਬਿਨਾ ਮਨੁੱਖਾ ਜ਼ਿੰਦਗੀ ਵਿਅਰਥ ਚਲੀ ਜਾਂਦੀ ਹੈ।ਰਹਾਉ।(ਹੇ ਭਾਈ! ਜਦੋਂ) ਗੁਰੂ ਨੇ ਮੇਰੇ ਸਿਰ ਉੱਤੇ ਆਪਣਾ ਹੱਥ ਰੱਖਿਆ, ਤਾਂ ਮੇਰੇ ਹਿਰਦੇ ਵਿਚ ਪਰਮਾਤਮਾ ਦਾ ਰਤਨ (ਵਰਗਾ ਕੀਮਤੀ) ਨਾਮ ਆ ਵੱਸਿਆ। (ਹੇ ਭਾਈ! ਜਿਸ ਭੀ ਮਨੁੱਖ ਨੂੰ) ਗੁਰੂ ਨੇ ਪਰਮਾਤਮਾ ਦਾ ਨਾਮ ਦਿੱਤਾ, ਉਸ ਦੇ ਅਨੇਕਾਂ ਜਨਮਾਂ ਦੇ ਪਾਪ ਦੁੱਖ ਦੂਰ ਹੋ ਗਏ, (ਉਸ ਦੇ ਸਿਰੋਂ ਪਾਪਾਂ ਦਾ) ਕਰਜ਼ਾ ਉਤਰ ਗਿਆ।੧।ਹੇ ਭਾਈ! ਜੇਹੜੇ ਮਨੁੱਖ ਆਪਣੇ ਮਨ ਦੇ ਪਿੱਛੇ ਤੁਰਦੇ ਹਨ ਉਹ ਗੁਰੂ (ਦੀ ਸਰਨ) ਤੋਂ ਬਿਨਾ ਮੂਰਖ ਹੋਏ ਰਹਿੰਦੇ ਹਨ, ਉਹ ਸਦਾ ਮਾਇਆ ਦੇ ਮੋਹ ਵਿਚ ਫਸੇ ਰਹਿੰਦੇ ਹਨ। ਉਹਨਾਂ ਨੇ ਕਦੇ ਭੀ ਗੁਰੂ ਦਾ ਆਸਰਾ ਨਹੀਂ ਲਿਆ, ਉਹਨਾਂ ਦਾ ਸਾਰਾ ਜੀਵਨ ਵਿਅਰਥ ਚਲਾ ਜਾਂਦਾ ਹੈ।੨।ਹੇ ਭਾਈ! ਜੇਹੜੇ ਮਨੁੱਖ ਗੁਰੂ ਦੇ ਚਰਨਾਂ ਦੀ ਓਟ ਲੈਂਦੇ ਹਨ, ਉਹ ਖਸਮ ਵਾਲੇ ਬਣ ਜਾਂਦੇ ਹਨ, ਉਹਨਾਂ ਦੀ ਜ਼ਿੰਦਗੀ ਕਾਮਯਾਬ ਹੋ ਜਾਂਦੀ ਹੈ। ਹੇ ਹਰੀ! ਹੇ ਜਗਤ ਦੇ ਨਾਥ! ਮੇਰੇ ਉੱਤੇ ਮੇਹਰ ਕਰ, ਮੈਨੂੰ ਆਪਣੇ ਦਾਸਾਂ ਦੇ ਦਾਸਾਂ ਦਾ ਦਾਸ ਬਣਾ ਲੈ।੩।ਹੇ ਗੁਰੂ! ਅਸੀ ਮਾਇਆ ਵਿਚ ਅੰਨ੍ਹੇ ਹੋ ਰਹੇ ਹਾਂ, ਅਸੀਂ ਆਤਮਕ ਜੀਵਨ ਦੀ ਸੂਝ ਤੋਂ ਸੱਖਣੇ ਹਾਂ, ਸਾਨੂੰ ਸਹੀ ਜੀਵਨ-ਜੁਗਤਿ ਦੀ ਸੂਝ ਨਹੀਂ ਹੈ, ਅਸੀ ਤੇਰੇ ਦੱਸੇ ਹੋਏ ਜੀਵਨ-ਰਾਹ ਉੱਤੇ ਤੁਰ ਨਹੀਂ ਸਕਦੇ। ਹੇ ਦਾਸ ਨਾਨਕ! (ਆਖ-) ਹੇ ਗੁਰੂ! ਸਾਨੂੰ ਅੰਨਿ੍ਹਆਂ ਨੂੰ ਆਪਣਾ ਪੱਲਾ ਫੜਾ, ਤਾਂ ਕਿ ਤੇਰੇ ਪੱਲੇ ਲੱਗ ਕੇ ਅਸੀ ਤੇਰੇ ਦੱਸੇ ਹੋਏ ਰਸਤੇ ਉਤੇ ਤੁਰ ਸਕੀਏ।੪।੧।JAITSREE, FOURTH MEHL, FIRST HOUSE, CHAU-PADAS:ONE UNIVERSAL CREATOR GOD. BY THE GRACE OF THE TRUE GURU:The Jewel of the Lord's Name abides within my heart; the Guru has placed His hand on my forehead. The sins and pains of countless incarnations have been cast out. The Guru has blessed me with the Naam, the Name of the Lord, and my debt has been paid off. || 1 || O my mind, vibrate the Lord's Name, and all your affairs shall be resolved. The Perfect Guru has implanted the Lord's Name within me; without the Name, life is useless. || Pause || Without the Guru, the self-willed manmukhs are foolish and ignorant; they are forever entangled in emotional attachment to Maya. They never serve the feet of the Holy; their lives are totally useless. || 2 || Those who serve at the feet of the Holy, the feet of the Holy, their lives are made fruitful, and they belong to the Lord. Make me the slave of the slave of the slaves of the Lord; bless me with Your Mercy, O Lord of the Universe. || 3 || I am blind, ignorant and totally without wisdom; how can I walk on the Path? I am blind — O Guru, please let me grasp the hem of Your robe, so that servant Nanak may walk in harmony with You. || 4 || 1 

Think buying a home alone is impossible in today's market? This episode breaks down real stories from solo buyers who made it happen—using strategies most people (and even some pros) don't know exist.Buying your first home alone can feel out of reach, especially with today's prices and confusion around the process. Many buyers assume they need more money, more help, or more time than they actually do. This episode shares real stories of solo buyers who overcame those beliefs using smart strategies and the right guidance. The result is a clear path showing that buying on your own is possible sooner and more affordably than most expect.“As a single woman, I was able to do this on my own.” — Eve HighlightsThink you need a partner to afford your first home?What if your timeline to buy could shrink from years to months?Are you missing out on programs that could lower your upfront costs?How much are you overestimating what it really takes to buy solo?Check out our updated 2026 First Time Homebuyer's Episode Guide - Over 100 of our BEST Episodes of Detailed Homebuying Knowledge, Interviews, and MORE! Connect with me to find a trusted realtor in your area or to answer your burning questions!Subscribe to our YouTube Channel @HowToBuyaHomeInstagram @HowtoBuyAHomePodcastTik Tok @HowToBuyAHomeVisit our Resource Center to "Ask David" AND get your FREE Home Buying Starter Kit!David Sidoni, the "How to Buy a Home Guy," is a seasoned real estate professional and consumer advocate with two decades of experience helping first-time homebuyers navigate the real estate market. His podcast, "How to Buy a Home," is a trusted resource for anyone looking to buy their first home. It offers expert advice, actionable tips, and inspiring stories from real first-time homebuyers. With a focus on making the home-buying process accessible and understandable, David breaks down complex topics into easy-to-follow steps, covering everything from budgeting and financing to finding the right home and making an offer. Subscribe for regular market updates, and leave a review to help us reach more people. Ready for an honest, informed home-buying experience? Viva la Unicorn Revolution - join us!

 ਜੈਤਸਰੀ ਮਹਲਾ ੪ ਘਰੁ ੧ ਚਉਪਦੇ ੴ ਸਤਿਗੁਰ ਪ੍ਰਸਾਦਿ ॥ਮੇਰੈ ਹੀਅਰੈ ਰਤਨੁ ਨਾਮੁ ਹਰਿ ਬਸਿਆ ਗੁਰਿ ਹਾਥੁ ਧਰਿਓ ਮੇਰੈ ਮਾਥਾ ॥ ਜਨਮ ਜਨਮ ਕੇ ਕਿਲਬਿਖ ਦੁਖ ਉਤਰੇ ਗੁਰਿ ਨਾਮੁ ਦੀਓ ਰਿਨੁ ਲਾਥਾ ॥੧॥ ਮੇਰੇ ਮਨ ਭਜੁ ਰਾਮ ਨਾਮੁ ਸਭਿ ਅਰਥਾ ॥ ਗੁਰਿ ਪੂਰੈ ਹਰਿ ਨਾਮੁ ਦ੍ਰਿੜਾਇਆ ਬਿਨੁ ਨਾਵੈ ਜੀਵਨੁ ਬਿਰਥਾ ॥ ਰਹਾਉ ॥ ਬਿਨੁ ਗੁਰ ਮੂੜ ਭਏ ਹੈ ਮਨਮੁਖ ਤੇ ਮੋਹ ਮਾਇਆ ਨਿਤ ਫਾਥਾ ॥ ਤਿਨ ਸਾਧੂ ਚਰਣ ਨ ਸੇਵੇ ਕਬਹੂ ਤਿਨ ਸਭੁ ਜਨਮੁ ਅਕਾਥਾ ॥੨॥ ਜਿਨ ਸਾਧੂ ਚਰਣ ਸਾਧ ਪਗ ਸੇਵੇ ਤਿਨ ਸਫਲਿਓ ਜਨਮੁ ਸਨਾਥਾ ॥ ਮੋ ਕਉ ਕੀਜੈ ਦਾਸੁ ਦਾਸ ਦਾਸਨ ਕੋ ਹਰਿ ਦਇਆ ਧਾਰਿ ਜਗੰਨਾਥਾ ॥੩॥ ਹਮ ਅੰਧੁਲੇ ਗਿਆਨਹੀਨ ਅਗਿਆਨੀ ਕਿਉ ਚਾਲਹ ਮਾਰਗਿ ਪੰਥਾ ॥ ਹਮ ਅੰਧੁਲੇ ਕਉ ਗੁਰ ਅੰਚਲੁ ਦੀਜੈ ਜਨ ਨਾਨਕ ਚਲਹ ਮਿਲੰਥਾ ॥੪॥੧॥ ਅਰਥ: ਹੇ ਮੇਰੇ ਮਨ! ਸਦਾ) ਪਰਮਾਤਮਾ ਦਾ ਨਾਮ ਸਿਮਰਿਆ ਕਰ, (ਪਰਮਾਤਮਾ) ਸਾਰੇ ਪਦਾਰਥ (ਦੇਣ ਵਾਲਾ ਹੈ) । (ਹੇ ਮਨ! ਗੁਰੂ ਦੀ ਸਰਨ ਪਿਆ ਰਹੁ) ਪੂਰੇ ਗੁਰੂ ਨੇ (ਹੀ) ਪਰਮਾਤਮਾ ਦਾ ਨਾਮ (ਹਿਰਦੇ ਵਿਚ) ਪੱਕਾ ਕੀਤਾ ਹੈ। ਤੇ, ਨਾਮ ਤੋਂ ਬਿਨਾ ਮਨੁੱਖਾ ਜ਼ਿੰਦਗੀ ਵਿਅਰਥ ਚਲੀ ਜਾਂਦੀ ਹੈ।ਰਹਾਉ।(ਹੇ ਭਾਈ! ਜਦੋਂ) ਗੁਰੂ ਨੇ ਮੇਰੇ ਸਿਰ ਉੱਤੇ ਆਪਣਾ ਹੱਥ ਰੱਖਿਆ, ਤਾਂ ਮੇਰੇ ਹਿਰਦੇ ਵਿਚ ਪਰਮਾਤਮਾ ਦਾ ਰਤਨ (ਵਰਗਾ ਕੀਮਤੀ) ਨਾਮ ਆ ਵੱਸਿਆ। (ਹੇ ਭਾਈ! ਜਿਸ ਭੀ ਮਨੁੱਖ ਨੂੰ) ਗੁਰੂ ਨੇ ਪਰਮਾਤਮਾ ਦਾ ਨਾਮ ਦਿੱਤਾ, ਉਸ ਦੇ ਅਨੇਕਾਂ ਜਨਮਾਂ ਦੇ ਪਾਪ ਦੁੱਖ ਦੂਰ ਹੋ ਗਏ, (ਉਸ ਦੇ ਸਿਰੋਂ ਪਾਪਾਂ ਦਾ) ਕਰਜ਼ਾ ਉਤਰ ਗਿਆ।੧।ਹੇ ਭਾਈ! ਜੇਹੜੇ ਮਨੁੱਖ ਆਪਣੇ ਮਨ ਦੇ ਪਿੱਛੇ ਤੁਰਦੇ ਹਨ ਉਹ ਗੁਰੂ (ਦੀ ਸਰਨ) ਤੋਂ ਬਿਨਾ ਮੂਰਖ ਹੋਏ ਰਹਿੰਦੇ ਹਨ, ਉਹ ਸਦਾ ਮਾਇਆ ਦੇ ਮੋਹ ਵਿਚ ਫਸੇ ਰਹਿੰਦੇ ਹਨ। ਉਹਨਾਂ ਨੇ ਕਦੇ ਭੀ ਗੁਰੂ ਦਾ ਆਸਰਾ ਨਹੀਂ ਲਿਆ, ਉਹਨਾਂ ਦਾ ਸਾਰਾ ਜੀਵਨ ਵਿਅਰਥ ਚਲਾ ਜਾਂਦਾ ਹੈ।੨।ਹੇ ਭਾਈ! ਜੇਹੜੇ ਮਨੁੱਖ ਗੁਰੂ ਦੇ ਚਰਨਾਂ ਦੀ ਓਟ ਲੈਂਦੇ ਹਨ, ਉਹ ਖਸਮ ਵਾਲੇ ਬਣ ਜਾਂਦੇ ਹਨ, ਉਹਨਾਂ ਦੀ ਜ਼ਿੰਦਗੀ ਕਾਮਯਾਬ ਹੋ ਜਾਂਦੀ ਹੈ। ਹੇ ਹਰੀ! ਹੇ ਜਗਤ ਦੇ ਨਾਥ! ਮੇਰੇ ਉੱਤੇ ਮੇਹਰ ਕਰ, ਮੈਨੂੰ ਆਪਣੇ ਦਾਸਾਂ ਦੇ ਦਾਸਾਂ ਦਾ ਦਾਸ ਬਣਾ ਲੈ।੩।ਹੇ ਗੁਰੂ! ਅਸੀ ਮਾਇਆ ਵਿਚ ਅੰਨ੍ਹੇ ਹੋ ਰਹੇ ਹਾਂ, ਅਸੀਂ ਆਤਮਕ ਜੀਵਨ ਦੀ ਸੂਝ ਤੋਂ ਸੱਖਣੇ ਹਾਂ, ਸਾਨੂੰ ਸਹੀ ਜੀਵਨ-ਜੁਗਤਿ ਦੀ ਸੂਝ ਨਹੀਂ ਹੈ, ਅਸੀ ਤੇਰੇ ਦੱਸੇ ਹੋਏ ਜੀਵਨ-ਰਾਹ ਉੱਤੇ ਤੁਰ ਨਹੀਂ ਸਕਦੇ। ਹੇ ਦਾਸ ਨਾਨਕ! (ਆਖ-) ਹੇ ਗੁਰੂ! ਸਾਨੂੰ ਅੰਨਿ੍ਹਆਂ ਨੂੰ ਆਪਣਾ ਪੱਲਾ ਫੜਾ, ਤਾਂ ਕਿ ਤੇਰੇ ਪੱਲੇ ਲੱਗ ਕੇ ਅਸੀ ਤੇਰੇ ਦੱਸੇ ਹੋਏ ਰਸਤੇ ਉਤੇ ਤੁਰ ਸਕੀਏ।੪।੧।JAITSREE, FOURTH MEHL, FIRST HOUSE, CHAU-PADAS:ONE UNIVERSAL CREATOR GOD. BY THE GRACE OF THE TRUE GURU:The Jewel of the Lord's Name abides within my heart; the Guru has placed His hand on my forehead. The sins and pains of countless incarnations have been cast out. The Guru has blessed me with the Naam, the Name of the Lord, and my debt has been paid off. || 1 || O my mind, vibrate the Lord's Name, and all your affairs shall be resolved. The Perfect Guru has implanted the Lord's Name within me; without the Name, life is useless. || Pause || Without the Guru, the self-willed manmukhs are foolish and ignorant; they are forever entangled in emotional attachment to Maya. They never serve the feet of the Holy; their lives are totally useless. || 2 || Those who serve at the feet of the Holy, the feet of the Holy, their lives are made fruitful, and they belong to the Lord. Make me the slave of the slave of the slaves of the Lord; bless me with Your Mercy, O Lord of the Universe. || 3 || I am blind, ignorant and totally without wisdom; how can I walk on the Path? I am blind — O Guru, please let me grasp the hem of Your robe, so that servant Nanak may walk in harmony with You. || 4 || 1 

Hunter and Lani discussed fix-and-flip strategies with Autumn as the host. They shared experiences about finding deals, renovation budgets, and market conditions in different regions. Hunter emphasized the importance of buying at the right price and renovating appropriately, while Lani highlighted the significance of relationships with other agents and investors. They discussed challenges like working with contractors and managing risks in the current market. The conversation also touched on how agents can position themselves to help investors and the importance of understanding neighborhood dynamics and comps. Hunter shared a personal story about a flip that went significantly over budget due to unforeseen issues. The discussion concluded with advice for agents interested in flipping, including partnering with experienced investors and focusing on deal sourcing.

ਧਨਾਸਰੀ ਮਹਲਾ ੪ ਘਰੁ ੧ ਚਉਪਦੇ    ੴ ਸਤਿਗੁਰ ਪ੍ਰਸਾਦਿ ॥ ਜੋ ਹਰਿ ਸੇਵਹਿ ਸੰਤ ਭਗਤ ਤਿਨ ਕੇ ਸਭਿ ਪਾਪ ਨਿਵਾਰੀ ॥ ਹਮ ਊਪਰਿ ਕਿਰਪਾ ਕਰਿਸੁਆਮੀ ਰਖੁ ਸੰਗਤਿ ਤੁਮ ਜੁ ਪਿਆਰੀ ॥੧॥ ਹਰਿ ਗੁਣ ਕਹਿ ਨ ਸਕਉ ਬਨਵਾਰੀ ॥ ਹਮ ਪਾਪੀ ਪਾਥਰ ਨੀਰਿ ਡੁਬਤ ਕਰਿ ਕਿਰਪਾ ਪਾਖਣ ਹਮ ਤਾਰੀ ॥ਰਹਾਉ ॥ ਜਨਮ ਜਨਮ ਕੇ ਲਾਗੇ ਬਿਖੁ ਮੋਰਚਾ ਲਗਿ ਸੰਗਤਿ ਸਾਧ ਸਵਾਰੀ ॥ ਜਿਉ ਕੰਚਨੁ ਬੈਸੰਤਰਿ ਤਾਇਓ ਮਲੁ ਕਾਟੀ ਕਟਿਤ ਉਤਾਰੀ ॥੨॥ ਹਰਿ ਹਰਿਜਪਨੁ ਜਪਉ ਦਿਨੁ ਰਾਤੀ ਜਪਿ ਹਰਿ ਹਰਿ ਹਰਿ ਉਰਿ ਧਾਰੀ ॥ ਹਰਿ ਹਰਿ ਹਰਿ ਅਉਖਧੁ ਜਗਿ ਪੂਰਾ ਜਪਿ ਹਰਿ ਹਰਿ ਹਉਮੈ ਮਾਰੀ ॥੩॥ ਹਰਿ ਹਰਿ ਅਗਮਅਗਾਧਿ ਬੋਧਿ ਅਪਰੰਪਰ ਪੁਰਖ ਅਪਾਰੀ ॥ ਜਨ ਕਉ ਕ੍ਰਿਪਾ ਕਰਹੁ ਜਗਜੀਵਨ ਜਨ ਨਾਨਕ ਪੈਜ ਸਵਾਰੀ ॥੪॥੧॥ਅਰਥ: ਹੇ ਹਰੀ! ਹੇ ਪ੍ਰਭੂ! ਮੈਂ ਤੇਰੇ ਗੁਣ ਬਿਆਨ ਨਹੀਂ ਕਰ ਸਕਦਾ। ਅਸੀ ਜੀਵ ਪਾਪੀ ਹਾਂ, ਪਾਪਾਂ ਵਿਚ ਡੁੱਬੇ ਰਹਿੰਦੇ ਹਾਂ, ਜਿਵੇਂ ਪੱਥਰ ਪਾਣੀ ਵਿਚ ਡੁੱਬੇ ਰਹਿੰਦੇਹਨ। ਮੇਹਰ ਕਰ, ਸਾਨੂੰ ਪੱਥਰਾਂ (ਪੱਥਰ-ਦਿਲਾਂ) ਨੂੰ ਸੰਸਾਰ-ਸਮੁੰਦਰ ਤੋਂ ਪਾਰ ਲੰਘਾ ਲੈ।ਰਹਾਉ।ਹੇ ਪ੍ਰਭੂ! ਤੇਰੇ ਜੇਹੜੇ ਸੰਤ ਜੇਹੜੇ ਭਗਤ ਤੇਰਾ ਸਿਮਰਨ ਕਰਦੇ ਹਨ, ਤੂੰ ਉਹਨਾਂ ਦੇ (ਪਿਛਲੇ ਕੀਤੇ) ਸਾਰੇ ਪਾਪ ਦੂਰ ਕਰਨ ਵਾਲਾ ਹੈਂ। ਹੇ ਮਾਲਕ-ਪ੍ਰਭੂ! ਸਾਡੇ ਉੱਤੇ ਭੀਮੇਹਰ ਕਰ, (ਸਾਨੂੰ ਉਸ) ਸਾਧ ਸੰਗਤਿ ਵਿਚ ਰੱਖ ਜੇਹੜੀ ਤੈਨੂੰ ਪਿਆਰੀ ਲੱਗਦੀ ਹੈ।੧।ਹੇ ਭਾਈ! ਜਿਵੇਂ ਸੋਨਾ ਅੱਗ ਵਿਚ ਤਪਾਇਆਂ ਉਸ ਦੀ ਸਾਰੀ ਮੈਲ ਕੱਟੀ ਜਾਂਦੀ ਹੈ, ਲਾਹ ਦਿੱਤੀ ਜਾਂਦੀ ਹੈ, ਤਿਵੇਂ ਜੀਵਾਂ ਦੇ ਅਨੇਕਾਂ ਜਨਮਾਂ ਦੇ ਚੰਬੜੇ ਹੋਏ ਪਾਪਾਂ ਦਾਜ਼ਹਰ ਪਾਪਾਂ ਦਾ ਜੰਗਾਲ ਸਾਧ ਸੰਗਤਿ ਦੀ ਸਰਨ ਪੈ ਕੇ ਸੋਧਿਆ ਜਾਂਦਾ ਹੈ।(ਹੇ ਭਾਈ! ਤਾਂਹੀਏਂ) ਮੈਂ (ਭੀ) ਦਿਨ ਰਾਤ ਪਰਮਾਤਮਾ ਦੇ ਨਾਮ ਦਾ ਜਾਪ ਜਪਦਾ ਹਾਂ, ਨਾਮ ਜਪ ਕੇ ਉਸ ਨੂੰ ਆਪਣੇ ਹਿਰਦੇ ਵਿਚ ਵਸਾਈ ਰੱਖਦਾ ਹਾਂ। ਹੇ ਭਾਈ! ਪਰਮਾਤਮਾ ਦਾ ਨਾਮ ਜਗਤ ਵਿਚ ਐਸੀ ਦਵਾਈ ਹੈ ਜੋ ਆਪਣਾ ਅਸਰ ਕਰਨੋਂ ਕਦੇ ਨਹੀਂ ਖੁੰਝਦੀ। ਇਹ ਨਾਮ ਜਪ ਕੇ (ਅੰਦਰੋਂ) ਹਉਮੈ ਮੁਕਾ ਸਕੀਦੀ ਹੈ।੩।ਹੇ ਨਾਨਕ! ਆਖ-) ਹੇ ਅਪਹੁੰਚ! ਹੇ ਮਨੁੱਖਾਂ ਦੀ ਸਮਝ ਤੋਂ ਪਰੇ! ਹੇ ਪਰੇ ਤੋਂ ਪਰੇ! ਹੇ ਸਰਬ-ਵਿਆਪਕ! ਹੇ ਬੇਅੰਤ! ਹੇ ਜਗਤ ਦੇ ਜੀਵਨ! ਆਪਣੇ ਦਾਸਾਂ ਉਤੇ ਮੇਹਰਕਰ, ਤੇ, (ਇਸ ਵਿਕਾਰ-ਭਰੇ ਸੰਸਾਰ-ਸਮੁੰਦਰ ਵਿਚੋਂ) ਦਾਸਾਂ ਦੀ ਲਾਜ ਰੱਖ ਲੈ।੪।੧।DHANAASAREE, FOURTH MEHL, FIRST HOUSE, CHAU-PADAS:ONE UNIVERSAL CREATOR GOD. BY THE GRACE OF THE TRUE GURU:Those Saints and devotees who serve the Lord have all their sins washed away. Have Mercy on me, O Lord and Master, and keep me in the Sangat, the Congregation that You love. || 1 || I cannot even speak the Praises of the Lord, the Gardener of the world. We are sinners, sinking like stones in water; grant Your Grace, and carry us stones across. || Pause || The rust of poison and corruption from countless incarnations sticks to us; joining the Saadh Sangat, the Company of the Holy, it is cleaned away. It is just like gold, which is heated in the fire, to remove the impurities from it. || 2 || I chant the chant of the Name of the Lord, day and night; I chant the Name of the Lord, Har, Har, Har, and enshrine it within my heart. The Name of the Lord, Har, Har, Har, is the most perfect medicine in this world; chanting the Name of the Lord, Har, Har, I have conquered my ego. || 3 || The Lord, Har, Har, is unapproachable, of unfathomable wisdom, unlimited, all-powerful and infinite. Show Mercy to Your humble servant, O Life of the world, and save the honor of servant Nanak. || 4 || 1 ||

   ਜੈਤਸਰੀ ਮਹਲਾ ੪ ਘਰੁ ੧ ਚਉਪਦੇ ੴ ਸਤਿਗੁਰ ਪ੍ਰਸਾਦਿ ॥ਮੇਰੈ ਹੀਅਰੈ ਰਤਨੁ ਨਾਮੁ ਹਰਿ ਬਸਿਆ ਗੁਰਿ ਹਾਥੁ ਧਰਿਓ ਮੇਰੈ ਮਾਥਾ ॥ ਜਨਮ ਜਨਮ ਕੇ ਕਿਲਬਿਖ ਦੁਖ ਉਤਰੇ ਗੁਰਿ ਨਾਮੁ ਦੀਓ ਰਿਨੁ ਲਾਥਾ ॥੧॥ ਮੇਰੇ ਮਨ ਭਜੁ ਰਾਮ ਨਾਮੁ ਸਭਿ ਅਰਥਾ ॥ ਗੁਰਿ ਪੂਰੈ ਹਰਿ ਨਾਮੁ ਦ੍ਰਿੜਾਇਆ ਬਿਨੁ ਨਾਵੈ ਜੀਵਨੁ ਬਿਰਥਾ ॥ ਰਹਾਉ ॥ ਬਿਨੁ ਗੁਰ ਮੂੜ ਭਏ ਹੈ ਮਨਮੁਖ ਤੇ ਮੋਹ ਮਾਇਆ ਨਿਤ ਫਾਥਾ ॥ ਤਿਨ ਸਾਧੂ ਚਰਣ ਨ ਸੇਵੇ ਕਬਹੂ ਤਿਨ ਸਭੁ ਜਨਮੁ ਅਕਾਥਾ ॥੨॥ ਜਿਨ ਸਾਧੂ ਚਰਣ ਸਾਧ ਪਗ ਸੇਵੇ ਤਿਨ ਸਫਲਿਓ ਜਨਮੁ ਸਨਾਥਾ ॥ ਮੋ ਕਉ ਕੀਜੈ ਦਾਸੁ ਦਾਸ ਦਾਸਨ ਕੋ ਹਰਿ ਦਇਆ ਧਾਰਿ ਜਗੰਨਾਥਾ ॥੩॥ ਹਮ ਅੰਧੁਲੇ ਗਿਆਨਹੀਨ ਅਗਿਆਨੀ ਕਿਉ ਚਾਲਹ ਮਾਰਗਿ ਪੰਥਾ ॥ ਹਮ ਅੰਧੁਲੇ ਕਉ ਗੁਰ ਅੰਚਲੁ ਦੀਜੈ ਜਨ ਨਾਨਕ ਚਲਹ ਮਿਲੰਥਾ ॥੪॥੧॥ ਅਰਥ: ਹੇ ਮੇਰੇ ਮਨ! ਸਦਾ) ਪਰਮਾਤਮਾ ਦਾ ਨਾਮ ਸਿਮਰਿਆ ਕਰ, (ਪਰਮਾਤਮਾ) ਸਾਰੇ ਪਦਾਰਥ (ਦੇਣ ਵਾਲਾ ਹੈ) । (ਹੇ ਮਨ! ਗੁਰੂ ਦੀ ਸਰਨ ਪਿਆ ਰਹੁ) ਪੂਰੇ ਗੁਰੂ ਨੇ (ਹੀ) ਪਰਮਾਤਮਾ ਦਾ ਨਾਮ (ਹਿਰਦੇ ਵਿਚ) ਪੱਕਾ ਕੀਤਾ ਹੈ। ਤੇ, ਨਾਮ ਤੋਂ ਬਿਨਾ ਮਨੁੱਖਾ ਜ਼ਿੰਦਗੀ ਵਿਅਰਥ ਚਲੀ ਜਾਂਦੀ ਹੈ।ਰਹਾਉ।(ਹੇ ਭਾਈ! ਜਦੋਂ) ਗੁਰੂ ਨੇ ਮੇਰੇ ਸਿਰ ਉੱਤੇ ਆਪਣਾ ਹੱਥ ਰੱਖਿਆ, ਤਾਂ ਮੇਰੇ ਹਿਰਦੇ ਵਿਚ ਪਰਮਾਤਮਾ ਦਾ ਰਤਨ (ਵਰਗਾ ਕੀਮਤੀ) ਨਾਮ ਆ ਵੱਸਿਆ। (ਹੇ ਭਾਈ! ਜਿਸ ਭੀ ਮਨੁੱਖ ਨੂੰ) ਗੁਰੂ ਨੇ ਪਰਮਾਤਮਾ ਦਾ ਨਾਮ ਦਿੱਤਾ, ਉਸ ਦੇ ਅਨੇਕਾਂ ਜਨਮਾਂ ਦੇ ਪਾਪ ਦੁੱਖ ਦੂਰ ਹੋ ਗਏ, (ਉਸ ਦੇ ਸਿਰੋਂ ਪਾਪਾਂ ਦਾ) ਕਰਜ਼ਾ ਉਤਰ ਗਿਆ।੧।ਹੇ ਭਾਈ! ਜੇਹੜੇ ਮਨੁੱਖ ਆਪਣੇ ਮਨ ਦੇ ਪਿੱਛੇ ਤੁਰਦੇ ਹਨ ਉਹ ਗੁਰੂ (ਦੀ ਸਰਨ) ਤੋਂ ਬਿਨਾ ਮੂਰਖ ਹੋਏ ਰਹਿੰਦੇ ਹਨ, ਉਹ ਸਦਾ ਮਾਇਆ ਦੇ ਮੋਹ ਵਿਚ ਫਸੇ ਰਹਿੰਦੇ ਹਨ। ਉਹਨਾਂ ਨੇ ਕਦੇ ਭੀ ਗੁਰੂ ਦਾ ਆਸਰਾ ਨਹੀਂ ਲਿਆ, ਉਹਨਾਂ ਦਾ ਸਾਰਾ ਜੀਵਨ ਵਿਅਰਥ ਚਲਾ ਜਾਂਦਾ ਹੈ।੨।ਹੇ ਭਾਈ! ਜੇਹੜੇ ਮਨੁੱਖ ਗੁਰੂ ਦੇ ਚਰਨਾਂ ਦੀ ਓਟ ਲੈਂਦੇ ਹਨ, ਉਹ ਖਸਮ ਵਾਲੇ ਬਣ ਜਾਂਦੇ ਹਨ, ਉਹਨਾਂ ਦੀ ਜ਼ਿੰਦਗੀ ਕਾਮਯਾਬ ਹੋ ਜਾਂਦੀ ਹੈ। ਹੇ ਹਰੀ! ਹੇ ਜਗਤ ਦੇ ਨਾਥ! ਮੇਰੇ ਉੱਤੇ ਮੇਹਰ ਕਰ, ਮੈਨੂੰ ਆਪਣੇ ਦਾਸਾਂ ਦੇ ਦਾਸਾਂ ਦਾ ਦਾਸ ਬਣਾ ਲੈ।੩।ਹੇ ਗੁਰੂ! ਅਸੀ ਮਾਇਆ ਵਿਚ ਅੰਨ੍ਹੇ ਹੋ ਰਹੇ ਹਾਂ, ਅਸੀਂ ਆਤਮਕ ਜੀਵਨ ਦੀ ਸੂਝ ਤੋਂ ਸੱਖਣੇ ਹਾਂ, ਸਾਨੂੰ ਸਹੀ ਜੀਵਨ-ਜੁਗਤਿ ਦੀ ਸੂਝ ਨਹੀਂ ਹੈ, ਅਸੀ ਤੇਰੇ ਦੱਸੇ ਹੋਏ ਜੀਵਨ-ਰਾਹ ਉੱਤੇ ਤੁਰ ਨਹੀਂ ਸਕਦੇ। ਹੇ ਦਾਸ ਨਾਨਕ! (ਆਖ-) ਹੇ ਗੁਰੂ! ਸਾਨੂੰ ਅੰਨਿ੍ਹਆਂ ਨੂੰ ਆਪਣਾ ਪੱਲਾ ਫੜਾ, ਤਾਂ ਕਿ ਤੇਰੇ ਪੱਲੇ ਲੱਗ ਕੇ ਅਸੀ ਤੇਰੇ ਦੱਸੇ ਹੋਏ ਰਸਤੇ ਉਤੇ ਤੁਰ ਸਕੀਏ।੪।੧।JAITSREE, FOURTH MEHL, FIRST HOUSE, CHAU-PADAS:ONE UNIVERSAL CREATOR GOD. BY THE GRACE OF THE TRUE GURU:The Jewel of the Lord's Name abides within my heart; the Guru has placed His hand on my forehead. The sins and pains of countless incarnations have been cast out. The Guru has blessed me with the Naam, the Name of the Lord, and my debt has been paid off. || 1 || O my mind, vibrate the Lord's Name, and all your affairs shall be resolved. The Perfect Guru has implanted the Lord's Name within me; without the Name, life is useless. || Pause || Without the Guru, the self-willed manmukhs are foolish and ignorant; they are forever entangled in emotional attachment to Maya. They never serve the feet of the Holy; their lives are totally useless. || 2 || Those who serve at the feet of the Holy, the feet of the Holy, their lives are made fruitful, and they belong to the Lord. Make me the slave of the slave of the slaves of the Lord; bless me with Your Mercy, O Lord of the Universe. || 3 || I am blind, ignorant and totally without wisdom; how can I walk on the Path? I am blind — O Guru, please let me grasp the hem of Your robe, so that servant Nanak may walk in harmony with You. || 4 || 1 

ਧਨਾਸਰੀ ਮਹਲਾ ੪ ਘਰੁ ੧ ਚਉਪਦੇ    ੴ ਸਤਿਗੁਰ ਪ੍ਰਸਾਦਿ ॥ ਜੋ ਹਰਿ ਸੇਵਹਿ ਸੰਤ ਭਗਤ ਤਿਨ ਕੇ ਸਭਿ ਪਾਪ ਨਿਵਾਰੀ ॥ ਹਮ ਊਪਰਿ ਕਿਰਪਾ ਕਰਿਸੁਆਮੀ ਰਖੁ ਸੰਗਤਿ ਤੁਮ ਜੁ ਪਿਆਰੀ ॥੧॥ ਹਰਿ ਗੁਣ ਕਹਿ ਨ ਸਕਉ ਬਨਵਾਰੀ ॥ ਹਮ ਪਾਪੀ ਪਾਥਰ ਨੀਰਿ ਡੁਬਤ ਕਰਿ ਕਿਰਪਾ ਪਾਖਣ ਹਮ ਤਾਰੀ ॥ਰਹਾਉ ॥ ਜਨਮ ਜਨਮ ਕੇ ਲਾਗੇ ਬਿਖੁ ਮੋਰਚਾ ਲਗਿ ਸੰਗਤਿ ਸਾਧ ਸਵਾਰੀ ॥ ਜਿਉ ਕੰਚਨੁ ਬੈਸੰਤਰਿ ਤਾਇਓ ਮਲੁ ਕਾਟੀ ਕਟਿਤ ਉਤਾਰੀ ॥੨॥ ਹਰਿ ਹਰਿਜਪਨੁ ਜਪਉ ਦਿਨੁ ਰਾਤੀ ਜਪਿ ਹਰਿ ਹਰਿ ਹਰਿ ਉਰਿ ਧਾਰੀ ॥ ਹਰਿ ਹਰਿ ਹਰਿ ਅਉਖਧੁ ਜਗਿ ਪੂਰਾ ਜਪਿ ਹਰਿ ਹਰਿ ਹਉਮੈ ਮਾਰੀ ॥੩॥ ਹਰਿ ਹਰਿ ਅਗਮਅਗਾਧਿ ਬੋਧਿ ਅਪਰੰਪਰ ਪੁਰਖ ਅਪਾਰੀ ॥ ਜਨ ਕਉ ਕ੍ਰਿਪਾ ਕਰਹੁ ਜਗਜੀਵਨ ਜਨ ਨਾਨਕ ਪੈਜ ਸਵਾਰੀ ॥੪॥੧॥ਅਰਥ: ਹੇ ਹਰੀ! ਹੇ ਪ੍ਰਭੂ! ਮੈਂ ਤੇਰੇ ਗੁਣ ਬਿਆਨ ਨਹੀਂ ਕਰ ਸਕਦਾ। ਅਸੀ ਜੀਵ ਪਾਪੀ ਹਾਂ, ਪਾਪਾਂ ਵਿਚ ਡੁੱਬੇ ਰਹਿੰਦੇ ਹਾਂ, ਜਿਵੇਂ ਪੱਥਰ ਪਾਣੀ ਵਿਚ ਡੁੱਬੇ ਰਹਿੰਦੇਹਨ। ਮੇਹਰ ਕਰ, ਸਾਨੂੰ ਪੱਥਰਾਂ (ਪੱਥਰ-ਦਿਲਾਂ) ਨੂੰ ਸੰਸਾਰ-ਸਮੁੰਦਰ ਤੋਂ ਪਾਰ ਲੰਘਾ ਲੈ।ਰਹਾਉ।ਹੇ ਪ੍ਰਭੂ! ਤੇਰੇ ਜੇਹੜੇ ਸੰਤ ਜੇਹੜੇ ਭਗਤ ਤੇਰਾ ਸਿਮਰਨ ਕਰਦੇ ਹਨ, ਤੂੰ ਉਹਨਾਂ ਦੇ (ਪਿਛਲੇ ਕੀਤੇ) ਸਾਰੇ ਪਾਪ ਦੂਰ ਕਰਨ ਵਾਲਾ ਹੈਂ। ਹੇ ਮਾਲਕ-ਪ੍ਰਭੂ! ਸਾਡੇ ਉੱਤੇ ਭੀਮੇਹਰ ਕਰ, (ਸਾਨੂੰ ਉਸ) ਸਾਧ ਸੰਗਤਿ ਵਿਚ ਰੱਖ ਜੇਹੜੀ ਤੈਨੂੰ ਪਿਆਰੀ ਲੱਗਦੀ ਹੈ।੧।ਹੇ ਭਾਈ! ਜਿਵੇਂ ਸੋਨਾ ਅੱਗ ਵਿਚ ਤਪਾਇਆਂ ਉਸ ਦੀ ਸਾਰੀ ਮੈਲ ਕੱਟੀ ਜਾਂਦੀ ਹੈ, ਲਾਹ ਦਿੱਤੀ ਜਾਂਦੀ ਹੈ, ਤਿਵੇਂ ਜੀਵਾਂ ਦੇ ਅਨੇਕਾਂ ਜਨਮਾਂ ਦੇ ਚੰਬੜੇ ਹੋਏ ਪਾਪਾਂ ਦਾਜ਼ਹਰ ਪਾਪਾਂ ਦਾ ਜੰਗਾਲ ਸਾਧ ਸੰਗਤਿ ਦੀ ਸਰਨ ਪੈ ਕੇ ਸੋਧਿਆ ਜਾਂਦਾ ਹੈ।(ਹੇ ਭਾਈ! ਤਾਂਹੀਏਂ) ਮੈਂ (ਭੀ) ਦਿਨ ਰਾਤ ਪਰਮਾਤਮਾ ਦੇ ਨਾਮ ਦਾ ਜਾਪ ਜਪਦਾ ਹਾਂ, ਨਾਮ ਜਪ ਕੇ ਉਸ ਨੂੰ ਆਪਣੇ ਹਿਰਦੇ ਵਿਚ ਵਸਾਈ ਰੱਖਦਾ ਹਾਂ। ਹੇ ਭਾਈ! ਪਰਮਾਤਮਾ ਦਾ ਨਾਮ ਜਗਤ ਵਿਚ ਐਸੀ ਦਵਾਈ ਹੈ ਜੋ ਆਪਣਾ ਅਸਰ ਕਰਨੋਂ ਕਦੇ ਨਹੀਂ ਖੁੰਝਦੀ। ਇਹ ਨਾਮ ਜਪ ਕੇ (ਅੰਦਰੋਂ) ਹਉਮੈ ਮੁਕਾ ਸਕੀਦੀ ਹੈ।੩।ਹੇ ਨਾਨਕ! ਆਖ-) ਹੇ ਅਪਹੁੰਚ! ਹੇ ਮਨੁੱਖਾਂ ਦੀ ਸਮਝ ਤੋਂ ਪਰੇ! ਹੇ ਪਰੇ ਤੋਂ ਪਰੇ! ਹੇ ਸਰਬ-ਵਿਆਪਕ! ਹੇ ਬੇਅੰਤ! ਹੇ ਜਗਤ ਦੇ ਜੀਵਨ! ਆਪਣੇ ਦਾਸਾਂ ਉਤੇ ਮੇਹਰਕਰ, ਤੇ, (ਇਸ ਵਿਕਾਰ-ਭਰੇ ਸੰਸਾਰ-ਸਮੁੰਦਰ ਵਿਚੋਂ) ਦਾਸਾਂ ਦੀ ਲਾਜ ਰੱਖ ਲੈ।੪।੧।DHANAASAREE, FOURTH MEHL, FIRST HOUSE, CHAU-PADAS:ONE UNIVERSAL CREATOR GOD. BY THE GRACE OF THE TRUE GURU:Those Saints and devotees who serve the Lord have all their sins washed away. Have Mercy on me, O Lord and Master, and keep me in the Sangat, the Congregation that You love. || 1 || I cannot even speak the Praises of the Lord, the Gardener of the world. We are sinners, sinking like stones in water; grant Your Grace, and carry us stones across. || Pause || The rust of poison and corruption from countless incarnations sticks to us; joining the Saadh Sangat, the Company of the Holy, it is cleaned away. It is just like gold, which is heated in the fire, to remove the impurities from it. || 2 || I chant the chant of the Name of the Lord, day and night; I chant the Name of the Lord, Har, Har, Har, and enshrine it within my heart. The Name of the Lord, Har, Har, Har, is the most perfect medicine in this world; chanting the Name of the Lord, Har, Har, I have conquered my ego. || 3 || The Lord, Har, Har, is unapproachable, of unfathomable wisdom, unlimited, all-powerful and infinite. Show Mercy to Your humble servant, O Life of the world, and save the honor of servant Nanak. || 4 || 1 ||

Rick Howell, who's raised over $16 million in private money, breaks down how to fund your real estate deals without using your own cash. He walks through how to structure deals so lenders feel protected, how to pitch opportunities the right way, and the exact system he uses to keep investors coming back. If your capital is tied up or you're trying to land your first flip, this is a clear path to getting deals funded and scaling faster.   KEY TALKING POINTS: 0:00 - Intro 0:37 - The Opportunity For Private Lenders 4:27 - Setting The Terms 6:50 - Offering An Opportunity 7:52 - The Documents You Need 9:23 - How It Works 13:36 - The Elevator Pitch 15:12 - Outro   LINKS: Instagram: Rick Howell https://www.instagram.com/rickhowellrei/   Links: Rick Howell https://www.solo.to/rickhowell   Instagram: David Lecko https://www.instagram.com/dlecko   Website: DealMachine https://www.dealmachine.com/pod   Instagram: Ryan Haywood https://www.instagram.com/heritage_home_investments   Website: Heritage Home Investments https://www.heritagehomeinvestments.com/

Homeownership is one of the most powerful ways to build wealth, yet many people still feel locked out. In this episode, we bring the conversation back to the fundamentals and break down what it really takes to get into your first property.We unpack the biggest misconceptions—like needing 20% down—and explore how down payment assistance programs are helping buyers get in with far less. We also dive into why income matters more than credit, and how entrepreneurs can strategically position themselves to qualify without sacrificing long-term tax benefits.From house hacking with multi-family properties to creative financing options like seller financing and subject-to-deals, we walk through practical pathways that make ownership more accessible than most people think.At the core, this conversation is about mindset. We don't need the perfect house or perfect timing—we just need to start. Because the real goal isn't the dream home today, it's building the foundation for long-term wealth.We Talk About:[00:00] Why Is Homeownership the Foundation of Wealth[02:57] Tactic 1: Down Payment Assistance[04:05] Tactic 2: Housing Counseling Resources[10:15] Tactic 3: Strategic Tax Planning[12:27] Tactic 4: Flexible Tax Return Programs[20:27] Tactic 5: House Hacking with Multi-Family[32:24] Tactic 6: Seller Financing[33:45] Tactic 7: Creative Financing OptionsResources:Learn more at The Color of MoneyThe Color of Real Estate by Julia LashayBecome a real estate agent HEREConnect with Our HostsEmerick Peace:Instagram: @theemerickpeaceFacebook: facebook.com/emerickpeaceDaniel Dixon:Instagram: @dixonsolditFacebook: facebook.com/realdanieldixonLinkedIn: linkedin.com/in/dixonsolditYouTube: @dixongroupcompaniesJulia Lashay:Instagram: @iamjulialashayFacebook: facebook.com/growwithjuliaLinkedIn: linkedin.com/in/julialashay/YouTube: @JuliaLashayBo MenkitiInstagram: @bomenkitiFacebook: facebook.com/obiora.menkitiLinkedIn: linkedin.com/in/bomenkiti/Produced by NOVAThis podcast is for general informational purposes only. The views, thoughts, and opinions of the guest represent those of the guest and not  Keller Williams Realty, LLC and its affiliates, and should not be construed as financial, economic, legal, tax, or other advice. This podcast is provided without any warranty, or guarantee of its accuracy, completeness, timeliness, or results from using the information.

Join Attractions Magazine contributing writers and correspondents as they bring you news and discussion about all things themed entertainment and parks, including Disney, Universal Studios and beyond on The Attractions Podcast. Topics of conversation on this week's episode of The Attractions Podcast: Disney's new CEO unveils cruise ship ‘Disney Believe' and bold future vision First Look: Grand Floridian's tea experience is finally back, but with an Alice In Wonderland twist (REVIEW) I playtested the updated Buzz Lightyear ride — here's what surprised me Six Flags Great America 50th anniversary to feature new nighttime spectacular, parade, and more Minecraft World: First-ever Minecraft theme park land coming in 2027 Jack is back, and so is Oddfellow, as Halloween Horror Nights 2026 reveals details for 35th anniversary The Attractions Podcast is brought to you by MEI-Travel and Mouse Fan Travel. They provide premium service and expert advice to get the most for your vacation time and dollars. Visit them at mei-travel.com. We welcome your suggestions and want you to be a part of the discussion. Please send your comments to info@attractionsmagazine.com with the subject line “The Attractions Podcast.” Statements or opinions herein are those of the hosts and advertisers and do not necessarily reflect the views of the producers, Dream Together Media LLC, or staff.  

   ਜੈਤਸਰੀ ਮਹਲਾ ੪ ਘਰੁ ੧ ਚਉਪਦੇ ੴ ਸਤਿਗੁਰ ਪ੍ਰਸਾਦਿ ॥ਮੇਰੈ ਹੀਅਰੈ ਰਤਨੁ ਨਾਮੁ ਹਰਿ ਬਸਿਆ ਗੁਰਿ ਹਾਥੁ ਧਰਿਓ ਮੇਰੈ ਮਾਥਾ ॥ ਜਨਮ ਜਨਮ ਕੇ ਕਿਲਬਿਖ ਦੁਖ ਉਤਰੇ ਗੁਰਿ ਨਾਮੁ ਦੀਓ ਰਿਨੁ ਲਾਥਾ ॥੧॥ ਮੇਰੇ ਮਨ ਭਜੁ ਰਾਮ ਨਾਮੁ ਸਭਿ ਅਰਥਾ ॥ ਗੁਰਿ ਪੂਰੈ ਹਰਿ ਨਾਮੁ ਦ੍ਰਿੜਾਇਆ ਬਿਨੁ ਨਾਵੈ ਜੀਵਨੁ ਬਿਰਥਾ ॥ ਰਹਾਉ ॥ ਬਿਨੁ ਗੁਰ ਮੂੜ ਭਏ ਹੈ ਮਨਮੁਖ ਤੇ ਮੋਹ ਮਾਇਆ ਨਿਤ ਫਾਥਾ ॥ ਤਿਨ ਸਾਧੂ ਚਰਣ ਨ ਸੇਵੇ ਕਬਹੂ ਤਿਨ ਸਭੁ ਜਨਮੁ ਅਕਾਥਾ ॥੨॥ ਜਿਨ ਸਾਧੂ ਚਰਣ ਸਾਧ ਪਗ ਸੇਵੇ ਤਿਨ ਸਫਲਿਓ ਜਨਮੁ ਸਨਾਥਾ ॥ ਮੋ ਕਉ ਕੀਜੈ ਦਾਸੁ ਦਾਸ ਦਾਸਨ ਕੋ ਹਰਿ ਦਇਆ ਧਾਰਿ ਜਗੰਨਾਥਾ ॥੩॥ ਹਮ ਅੰਧੁਲੇ ਗਿਆਨਹੀਨ ਅਗਿਆਨੀ ਕਿਉ ਚਾਲਹ ਮਾਰਗਿ ਪੰਥਾ ॥ ਹਮ ਅੰਧੁਲੇ ਕਉ ਗੁਰ ਅੰਚਲੁ ਦੀਜੈ ਜਨ ਨਾਨਕ ਚਲਹ ਮਿਲੰਥਾ ॥੪॥੧॥ ਅਰਥ: ਹੇ ਮੇਰੇ ਮਨ! ਸਦਾ) ਪਰਮਾਤਮਾ ਦਾ ਨਾਮ ਸਿਮਰਿਆ ਕਰ, (ਪਰਮਾਤਮਾ) ਸਾਰੇ ਪਦਾਰਥ (ਦੇਣ ਵਾਲਾ ਹੈ) । (ਹੇ ਮਨ! ਗੁਰੂ ਦੀ ਸਰਨ ਪਿਆ ਰਹੁ) ਪੂਰੇ ਗੁਰੂ ਨੇ (ਹੀ) ਪਰਮਾਤਮਾ ਦਾ ਨਾਮ (ਹਿਰਦੇ ਵਿਚ) ਪੱਕਾ ਕੀਤਾ ਹੈ। ਤੇ, ਨਾਮ ਤੋਂ ਬਿਨਾ ਮਨੁੱਖਾ ਜ਼ਿੰਦਗੀ ਵਿਅਰਥ ਚਲੀ ਜਾਂਦੀ ਹੈ।ਰਹਾਉ।(ਹੇ ਭਾਈ! ਜਦੋਂ) ਗੁਰੂ ਨੇ ਮੇਰੇ ਸਿਰ ਉੱਤੇ ਆਪਣਾ ਹੱਥ ਰੱਖਿਆ, ਤਾਂ ਮੇਰੇ ਹਿਰਦੇ ਵਿਚ ਪਰਮਾਤਮਾ ਦਾ ਰਤਨ (ਵਰਗਾ ਕੀਮਤੀ) ਨਾਮ ਆ ਵੱਸਿਆ। (ਹੇ ਭਾਈ! ਜਿਸ ਭੀ ਮਨੁੱਖ ਨੂੰ) ਗੁਰੂ ਨੇ ਪਰਮਾਤਮਾ ਦਾ ਨਾਮ ਦਿੱਤਾ, ਉਸ ਦੇ ਅਨੇਕਾਂ ਜਨਮਾਂ ਦੇ ਪਾਪ ਦੁੱਖ ਦੂਰ ਹੋ ਗਏ, (ਉਸ ਦੇ ਸਿਰੋਂ ਪਾਪਾਂ ਦਾ) ਕਰਜ਼ਾ ਉਤਰ ਗਿਆ।੧।ਹੇ ਭਾਈ! ਜੇਹੜੇ ਮਨੁੱਖ ਆਪਣੇ ਮਨ ਦੇ ਪਿੱਛੇ ਤੁਰਦੇ ਹਨ ਉਹ ਗੁਰੂ (ਦੀ ਸਰਨ) ਤੋਂ ਬਿਨਾ ਮੂਰਖ ਹੋਏ ਰਹਿੰਦੇ ਹਨ, ਉਹ ਸਦਾ ਮਾਇਆ ਦੇ ਮੋਹ ਵਿਚ ਫਸੇ ਰਹਿੰਦੇ ਹਨ। ਉਹਨਾਂ ਨੇ ਕਦੇ ਭੀ ਗੁਰੂ ਦਾ ਆਸਰਾ ਨਹੀਂ ਲਿਆ, ਉਹਨਾਂ ਦਾ ਸਾਰਾ ਜੀਵਨ ਵਿਅਰਥ ਚਲਾ ਜਾਂਦਾ ਹੈ।੨।ਹੇ ਭਾਈ! ਜੇਹੜੇ ਮਨੁੱਖ ਗੁਰੂ ਦੇ ਚਰਨਾਂ ਦੀ ਓਟ ਲੈਂਦੇ ਹਨ, ਉਹ ਖਸਮ ਵਾਲੇ ਬਣ ਜਾਂਦੇ ਹਨ, ਉਹਨਾਂ ਦੀ ਜ਼ਿੰਦਗੀ ਕਾਮਯਾਬ ਹੋ ਜਾਂਦੀ ਹੈ। ਹੇ ਹਰੀ! ਹੇ ਜਗਤ ਦੇ ਨਾਥ! ਮੇਰੇ ਉੱਤੇ ਮੇਹਰ ਕਰ, ਮੈਨੂੰ ਆਪਣੇ ਦਾਸਾਂ ਦੇ ਦਾਸਾਂ ਦਾ ਦਾਸ ਬਣਾ ਲੈ।੩।ਹੇ ਗੁਰੂ! ਅਸੀ ਮਾਇਆ ਵਿਚ ਅੰਨ੍ਹੇ ਹੋ ਰਹੇ ਹਾਂ, ਅਸੀਂ ਆਤਮਕ ਜੀਵਨ ਦੀ ਸੂਝ ਤੋਂ ਸੱਖਣੇ ਹਾਂ, ਸਾਨੂੰ ਸਹੀ ਜੀਵਨ-ਜੁਗਤਿ ਦੀ ਸੂਝ ਨਹੀਂ ਹੈ, ਅਸੀ ਤੇਰੇ ਦੱਸੇ ਹੋਏ ਜੀਵਨ-ਰਾਹ ਉੱਤੇ ਤੁਰ ਨਹੀਂ ਸਕਦੇ। ਹੇ ਦਾਸ ਨਾਨਕ! (ਆਖ-) ਹੇ ਗੁਰੂ! ਸਾਨੂੰ ਅੰਨਿ੍ਹਆਂ ਨੂੰ ਆਪਣਾ ਪੱਲਾ ਫੜਾ, ਤਾਂ ਕਿ ਤੇਰੇ ਪੱਲੇ ਲੱਗ ਕੇ ਅਸੀ ਤੇਰੇ ਦੱਸੇ ਹੋਏ ਰਸਤੇ ਉਤੇ ਤੁਰ ਸਕੀਏ।੪।੧।JAITSREE, FOURTH MEHL, FIRST HOUSE, CHAU-PADAS:ONE UNIVERSAL CREATOR GOD. BY THE GRACE OF THE TRUE GURU:The Jewel of the Lord's Name abides within my heart; the Guru has placed His hand on my forehead. The sins and pains of countless incarnations have been cast out. The Guru has blessed me with the Naam, the Name of the Lord, and my debt has been paid off. || 1 || O my mind, vibrate the Lord's Name, and all your affairs shall be resolved. The Perfect Guru has implanted the Lord's Name within me; without the Name, life is useless. || Pause || Without the Guru, the self-willed manmukhs are foolish and ignorant; they are forever entangled in emotional attachment to Maya. They never serve the feet of the Holy; their lives are totally useless. || 2 || Those who serve at the feet of the Holy, the feet of the Holy, their lives are made fruitful, and they belong to the Lord. Make me the slave of the slave of the slaves of the Lord; bless me with Your Mercy, O Lord of the Universe. || 3 || I am blind, ignorant and totally without wisdom; how can I walk on the Path? I am blind — O Guru, please let me grasp the hem of Your robe, so that servant Nanak may walk in harmony with You. || 4 || 1 

6. Headline: The Rise of Martin Dies and HUAC Guest Author: James Shapiro Congressman Martin Dies, an ambitious politician from Texas, leveraged the burgeoning medium of radio to attack the Federal Theater Project. As chairman of the first House Un-AmericanActivities Committee, Dies targeted the program by framing its output as communistic and un-American. He exploited public fatigue with relief programs to challenge the popular New Deal policies of President Roosevelt. This political maneuvering culminated in a historic 1938 hearing where Hallie Flanagan defended the role of theater in democracy against accusations of salacious and radical content. (6)

ਧਨਾਸਰੀ ਮਹਲਾ ੪ ਘਰੁ ੧ ਚਉਪਦੇ    ੴ ਸਤਿਗੁਰ ਪ੍ਰਸਾਦਿ ॥ ਜੋ ਹਰਿ ਸੇਵਹਿ ਸੰਤ ਭਗਤ ਤਿਨ ਕੇ ਸਭਿ ਪਾਪ ਨਿਵਾਰੀ ॥ ਹਮ ਊਪਰਿ ਕਿਰਪਾ ਕਰਿਸੁਆਮੀ ਰਖੁ ਸੰਗਤਿ ਤੁਮ ਜੁ ਪਿਆਰੀ ॥੧॥ ਹਰਿ ਗੁਣ ਕਹਿ ਨ ਸਕਉ ਬਨਵਾਰੀ ॥ ਹਮ ਪਾਪੀ ਪਾਥਰ ਨੀਰਿ ਡੁਬਤ ਕਰਿ ਕਿਰਪਾ ਪਾਖਣ ਹਮ ਤਾਰੀ ॥ਰਹਾਉ ॥ ਜਨਮ ਜਨਮ ਕੇ ਲਾਗੇ ਬਿਖੁ ਮੋਰਚਾ ਲਗਿ ਸੰਗਤਿ ਸਾਧ ਸਵਾਰੀ ॥ ਜਿਉ ਕੰਚਨੁ ਬੈਸੰਤਰਿ ਤਾਇਓ ਮਲੁ ਕਾਟੀ ਕਟਿਤ ਉਤਾਰੀ ॥੨॥ ਹਰਿ ਹਰਿਜਪਨੁ ਜਪਉ ਦਿਨੁ ਰਾਤੀ ਜਪਿ ਹਰਿ ਹਰਿ ਹਰਿ ਉਰਿ ਧਾਰੀ ॥ ਹਰਿ ਹਰਿ ਹਰਿ ਅਉਖਧੁ ਜਗਿ ਪੂਰਾ ਜਪਿ ਹਰਿ ਹਰਿ ਹਉਮੈ ਮਾਰੀ ॥੩॥ ਹਰਿ ਹਰਿ ਅਗਮਅਗਾਧਿ ਬੋਧਿ ਅਪਰੰਪਰ ਪੁਰਖ ਅਪਾਰੀ ॥ ਜਨ ਕਉ ਕ੍ਰਿਪਾ ਕਰਹੁ ਜਗਜੀਵਨ ਜਨ ਨਾਨਕ ਪੈਜ ਸਵਾਰੀ ॥੪॥੧॥ਅਰਥ: ਹੇ ਹਰੀ! ਹੇ ਪ੍ਰਭੂ! ਮੈਂ ਤੇਰੇ ਗੁਣ ਬਿਆਨ ਨਹੀਂ ਕਰ ਸਕਦਾ। ਅਸੀ ਜੀਵ ਪਾਪੀ ਹਾਂ, ਪਾਪਾਂ ਵਿਚ ਡੁੱਬੇ ਰਹਿੰਦੇ ਹਾਂ, ਜਿਵੇਂ ਪੱਥਰ ਪਾਣੀ ਵਿਚ ਡੁੱਬੇ ਰਹਿੰਦੇਹਨ। ਮੇਹਰ ਕਰ, ਸਾਨੂੰ ਪੱਥਰਾਂ (ਪੱਥਰ-ਦਿਲਾਂ) ਨੂੰ ਸੰਸਾਰ-ਸਮੁੰਦਰ ਤੋਂ ਪਾਰ ਲੰਘਾ ਲੈ।ਰਹਾਉ।ਹੇ ਪ੍ਰਭੂ! ਤੇਰੇ ਜੇਹੜੇ ਸੰਤ ਜੇਹੜੇ ਭਗਤ ਤੇਰਾ ਸਿਮਰਨ ਕਰਦੇ ਹਨ, ਤੂੰ ਉਹਨਾਂ ਦੇ (ਪਿਛਲੇ ਕੀਤੇ) ਸਾਰੇ ਪਾਪ ਦੂਰ ਕਰਨ ਵਾਲਾ ਹੈਂ। ਹੇ ਮਾਲਕ-ਪ੍ਰਭੂ! ਸਾਡੇ ਉੱਤੇ ਭੀਮੇਹਰ ਕਰ, (ਸਾਨੂੰ ਉਸ) ਸਾਧ ਸੰਗਤਿ ਵਿਚ ਰੱਖ ਜੇਹੜੀ ਤੈਨੂੰ ਪਿਆਰੀ ਲੱਗਦੀ ਹੈ।੧।ਹੇ ਭਾਈ! ਜਿਵੇਂ ਸੋਨਾ ਅੱਗ ਵਿਚ ਤਪਾਇਆਂ ਉਸ ਦੀ ਸਾਰੀ ਮੈਲ ਕੱਟੀ ਜਾਂਦੀ ਹੈ, ਲਾਹ ਦਿੱਤੀ ਜਾਂਦੀ ਹੈ, ਤਿਵੇਂ ਜੀਵਾਂ ਦੇ ਅਨੇਕਾਂ ਜਨਮਾਂ ਦੇ ਚੰਬੜੇ ਹੋਏ ਪਾਪਾਂ ਦਾਜ਼ਹਰ ਪਾਪਾਂ ਦਾ ਜੰਗਾਲ ਸਾਧ ਸੰਗਤਿ ਦੀ ਸਰਨ ਪੈ ਕੇ ਸੋਧਿਆ ਜਾਂਦਾ ਹੈ।(ਹੇ ਭਾਈ! ਤਾਂਹੀਏਂ) ਮੈਂ (ਭੀ) ਦਿਨ ਰਾਤ ਪਰਮਾਤਮਾ ਦੇ ਨਾਮ ਦਾ ਜਾਪ ਜਪਦਾ ਹਾਂ, ਨਾਮ ਜਪ ਕੇ ਉਸ ਨੂੰ ਆਪਣੇ ਹਿਰਦੇ ਵਿਚ ਵਸਾਈ ਰੱਖਦਾ ਹਾਂ। ਹੇ ਭਾਈ! ਪਰਮਾਤਮਾ ਦਾ ਨਾਮ ਜਗਤ ਵਿਚ ਐਸੀ ਦਵਾਈ ਹੈ ਜੋ ਆਪਣਾ ਅਸਰ ਕਰਨੋਂ ਕਦੇ ਨਹੀਂ ਖੁੰਝਦੀ। ਇਹ ਨਾਮ ਜਪ ਕੇ (ਅੰਦਰੋਂ) ਹਉਮੈ ਮੁਕਾ ਸਕੀਦੀ ਹੈ।੩।ਹੇ ਨਾਨਕ! ਆਖ-) ਹੇ ਅਪਹੁੰਚ! ਹੇ ਮਨੁੱਖਾਂ ਦੀ ਸਮਝ ਤੋਂ ਪਰੇ! ਹੇ ਪਰੇ ਤੋਂ ਪਰੇ! ਹੇ ਸਰਬ-ਵਿਆਪਕ! ਹੇ ਬੇਅੰਤ! ਹੇ ਜਗਤ ਦੇ ਜੀਵਨ! ਆਪਣੇ ਦਾਸਾਂ ਉਤੇ ਮੇਹਰਕਰ, ਤੇ, (ਇਸ ਵਿਕਾਰ-ਭਰੇ ਸੰਸਾਰ-ਸਮੁੰਦਰ ਵਿਚੋਂ) ਦਾਸਾਂ ਦੀ ਲਾਜ ਰੱਖ ਲੈ।੪।੧।DHANAASAREE, FOURTH MEHL, FIRST HOUSE, CHAU-PADAS:ONE UNIVERSAL CREATOR GOD. BY THE GRACE OF THE TRUE GURU:Those Saints and devotees who serve the Lord have all their sins washed away. Have Mercy on me, O Lord and Master, and keep me in the Sangat, the Congregation that You love. || 1 || I cannot even speak the Praises of the Lord, the Gardener of the world. We are sinners, sinking like stones in water; grant Your Grace, and carry us stones across. || Pause || The rust of poison and corruption from countless incarnations sticks to us; joining the Saadh Sangat, the Company of the Holy, it is cleaned away. It is just like gold, which is heated in the fire, to remove the impurities from it. || 2 || I chant the chant of the Name of the Lord, day and night; I chant the Name of the Lord, Har, Har, Har, and enshrine it within my heart. The Name of the Lord, Har, Har, Har, is the most perfect medicine in this world; chanting the Name of the Lord, Har, Har, I have conquered my ego. || 3 || The Lord, Har, Har, is unapproachable, of unfathomable wisdom, unlimited, all-powerful and infinite. Show Mercy to Your humble servant, O Life of the world, and save the honor of servant Nanak. || 4 || 1 ||

 ਜੈਤਸਰੀ ਮਹਲਾ ੪ ਘਰੁ ੧ ਚਉਪਦੇ ੴ ਸਤਿਗੁਰ ਪ੍ਰਸਾਦਿ ॥ਮੇਰੈ ਹੀਅਰੈ ਰਤਨੁ ਨਾਮੁ ਹਰਿ ਬਸਿਆ ਗੁਰਿ ਹਾਥੁ ਧਰਿਓ ਮੇਰੈ ਮਾਥਾ ॥ ਜਨਮ ਜਨਮ ਕੇ ਕਿਲਬਿਖ ਦੁਖ ਉਤਰੇ ਗੁਰਿ ਨਾਮੁ ਦੀਓ ਰਿਨੁ ਲਾਥਾ ॥੧॥ ਮੇਰੇ ਮਨ ਭਜੁ ਰਾਮ ਨਾਮੁ ਸਭਿ ਅਰਥਾ ॥ ਗੁਰਿ ਪੂਰੈ ਹਰਿ ਨਾਮੁ ਦ੍ਰਿੜਾਇਆ ਬਿਨੁ ਨਾਵੈ ਜੀਵਨੁ ਬਿਰਥਾ ॥ ਰਹਾਉ ॥ ਬਿਨੁ ਗੁਰ ਮੂੜ ਭਏ ਹੈ ਮਨਮੁਖ ਤੇ ਮੋਹ ਮਾਇਆ ਨਿਤ ਫਾਥਾ ॥ ਤਿਨ ਸਾਧੂ ਚਰਣ ਨ ਸੇਵੇ ਕਬਹੂ ਤਿਨ ਸਭੁ ਜਨਮੁ ਅਕਾਥਾ ॥੨॥ ਜਿਨ ਸਾਧੂ ਚਰਣ ਸਾਧ ਪਗ ਸੇਵੇ ਤਿਨ ਸਫਲਿਓ ਜਨਮੁ ਸਨਾਥਾ ॥ ਮੋ ਕਉ ਕੀਜੈ ਦਾਸੁ ਦਾਸ ਦਾਸਨ ਕੋ ਹਰਿ ਦਇਆ ਧਾਰਿ ਜਗੰਨਾਥਾ ॥੩॥ ਹਮ ਅੰਧੁਲੇ ਗਿਆਨਹੀਨ ਅਗਿਆਨੀ ਕਿਉ ਚਾਲਹ ਮਾਰਗਿ ਪੰਥਾ ॥ ਹਮ ਅੰਧੁਲੇ ਕਉ ਗੁਰ ਅੰਚਲੁ ਦੀਜੈ ਜਨ ਨਾਨਕ ਚਲਹ ਮਿਲੰਥਾ ॥੪॥੧॥ ਅਰਥ: ਹੇ ਮੇਰੇ ਮਨ! ਸਦਾ) ਪਰਮਾਤਮਾ ਦਾ ਨਾਮ ਸਿਮਰਿਆ ਕਰ, (ਪਰਮਾਤਮਾ) ਸਾਰੇ ਪਦਾਰਥ (ਦੇਣ ਵਾਲਾ ਹੈ) । (ਹੇ ਮਨ! ਗੁਰੂ ਦੀ ਸਰਨ ਪਿਆ ਰਹੁ) ਪੂਰੇ ਗੁਰੂ ਨੇ (ਹੀ) ਪਰਮਾਤਮਾ ਦਾ ਨਾਮ (ਹਿਰਦੇ ਵਿਚ) ਪੱਕਾ ਕੀਤਾ ਹੈ। ਤੇ, ਨਾਮ ਤੋਂ ਬਿਨਾ ਮਨੁੱਖਾ ਜ਼ਿੰਦਗੀ ਵਿਅਰਥ ਚਲੀ ਜਾਂਦੀ ਹੈ।ਰਹਾਉ।(ਹੇ ਭਾਈ! ਜਦੋਂ) ਗੁਰੂ ਨੇ ਮੇਰੇ ਸਿਰ ਉੱਤੇ ਆਪਣਾ ਹੱਥ ਰੱਖਿਆ, ਤਾਂ ਮੇਰੇ ਹਿਰਦੇ ਵਿਚ ਪਰਮਾਤਮਾ ਦਾ ਰਤਨ (ਵਰਗਾ ਕੀਮਤੀ) ਨਾਮ ਆ ਵੱਸਿਆ। (ਹੇ ਭਾਈ! ਜਿਸ ਭੀ ਮਨੁੱਖ ਨੂੰ) ਗੁਰੂ ਨੇ ਪਰਮਾਤਮਾ ਦਾ ਨਾਮ ਦਿੱਤਾ, ਉਸ ਦੇ ਅਨੇਕਾਂ ਜਨਮਾਂ ਦੇ ਪਾਪ ਦੁੱਖ ਦੂਰ ਹੋ ਗਏ, (ਉਸ ਦੇ ਸਿਰੋਂ ਪਾਪਾਂ ਦਾ) ਕਰਜ਼ਾ ਉਤਰ ਗਿਆ।੧।ਹੇ ਭਾਈ! ਜੇਹੜੇ ਮਨੁੱਖ ਆਪਣੇ ਮਨ ਦੇ ਪਿੱਛੇ ਤੁਰਦੇ ਹਨ ਉਹ ਗੁਰੂ (ਦੀ ਸਰਨ) ਤੋਂ ਬਿਨਾ ਮੂਰਖ ਹੋਏ ਰਹਿੰਦੇ ਹਨ, ਉਹ ਸਦਾ ਮਾਇਆ ਦੇ ਮੋਹ ਵਿਚ ਫਸੇ ਰਹਿੰਦੇ ਹਨ। ਉਹਨਾਂ ਨੇ ਕਦੇ ਭੀ ਗੁਰੂ ਦਾ ਆਸਰਾ ਨਹੀਂ ਲਿਆ, ਉਹਨਾਂ ਦਾ ਸਾਰਾ ਜੀਵਨ ਵਿਅਰਥ ਚਲਾ ਜਾਂਦਾ ਹੈ।੨।ਹੇ ਭਾਈ! ਜੇਹੜੇ ਮਨੁੱਖ ਗੁਰੂ ਦੇ ਚਰਨਾਂ ਦੀ ਓਟ ਲੈਂਦੇ ਹਨ, ਉਹ ਖਸਮ ਵਾਲੇ ਬਣ ਜਾਂਦੇ ਹਨ, ਉਹਨਾਂ ਦੀ ਜ਼ਿੰਦਗੀ ਕਾਮਯਾਬ ਹੋ ਜਾਂਦੀ ਹੈ। ਹੇ ਹਰੀ! ਹੇ ਜਗਤ ਦੇ ਨਾਥ! ਮੇਰੇ ਉੱਤੇ ਮੇਹਰ ਕਰ, ਮੈਨੂੰ ਆਪਣੇ ਦਾਸਾਂ ਦੇ ਦਾਸਾਂ ਦਾ ਦਾਸ ਬਣਾ ਲੈ।੩।ਹੇ ਗੁਰੂ! ਅਸੀ ਮਾਇਆ ਵਿਚ ਅੰਨ੍ਹੇ ਹੋ ਰਹੇ ਹਾਂ, ਅਸੀਂ ਆਤਮਕ ਜੀਵਨ ਦੀ ਸੂਝ ਤੋਂ ਸੱਖਣੇ ਹਾਂ, ਸਾਨੂੰ ਸਹੀ ਜੀਵਨ-ਜੁਗਤਿ ਦੀ ਸੂਝ ਨਹੀਂ ਹੈ, ਅਸੀ ਤੇਰੇ ਦੱਸੇ ਹੋਏ ਜੀਵਨ-ਰਾਹ ਉੱਤੇ ਤੁਰ ਨਹੀਂ ਸਕਦੇ। ਹੇ ਦਾਸ ਨਾਨਕ! (ਆਖ-) ਹੇ ਗੁਰੂ! ਸਾਨੂੰ ਅੰਨਿ੍ਹਆਂ ਨੂੰ ਆਪਣਾ ਪੱਲਾ ਫੜਾ, ਤਾਂ ਕਿ ਤੇਰੇ ਪੱਲੇ ਲੱਗ ਕੇ ਅਸੀ ਤੇਰੇ ਦੱਸੇ ਹੋਏ ਰਸਤੇ ਉਤੇ ਤੁਰ ਸਕੀਏ।੪।੧।JAITSREE, FOURTH MEHL, FIRST HOUSE, CHAU-PADAS:ONE UNIVERSAL CREATOR GOD. BY THE GRACE OF THE TRUE GURU:The Jewel of the Lord's Name abides within my heart; the Guru has placed His hand on my forehead. The sins and pains of countless incarnations have been cast out. The Guru has blessed me with the Naam, the Name of the Lord, and my debt has been paid off. || 1 || O my mind, vibrate the Lord's Name, and all your affairs shall be resolved. The Perfect Guru has implanted the Lord's Name within me; without the Name, life is useless. || Pause || Without the Guru, the self-willed manmukhs are foolish and ignorant; they are forever entangled in emotional attachment to Maya. They never serve the feet of the Holy; their lives are totally useless. || 2 || Those who serve at the feet of the Holy, the feet of the Holy, their lives are made fruitful, and they belong to the Lord. Make me the slave of the slave of the slaves of the Lord; bless me with Your Mercy, O Lord of the Universe. || 3 || I am blind, ignorant and totally without wisdom; how can I walk on the Path? I am blind — O Guru, please let me grasp the hem of Your robe, so that servant Nanak may walk in harmony with You. || 4 || 1 ||

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This powerful interview reveals how Dr. Joe built long-term wealth by mastering Section 8, treating tenants like gold, and letting appreciation reshape his entire financial future through disciplined buy-and-hold strategies in an expensive market.See full article: https://www.unitedstatesrealestateinvestor.com/rising-above-fear-to-build-the-real-estate-future-you-want-with-joseph-asamoah/(00:00) - Welcome Back to The REI Agent with Dr. Joe(00:11) - Dr. Joe Shares His Background and Accent(00:22) - Moving From Ghana to England and Then the US(00:50) - Mattias Reflects on Regional Accents(00:58) - Dr. Joe's First Years in the US(01:17) - Buying His First House in Washington DC(01:33) - Early Real Estate Mistakes and Lessons Learned(02:37) - Late Night Infomercial Inspiration(03:26) - First Investment Nightmare: Bad Tenants and Tax Sale Threat(04:26) - Turning Around His First Property(04:28) - Mattias Asks Whether He Still Owns the First House(04:28) - Dr. Joe Still Owns It and Shares Appreciation Story(05:13) - Mattias on Buyer Psychology and Long Term Perspective(06:05) - Property Now Worth $750k and Producing Strong Cash Flow(07:24) - Cash Flow Challenges in Expensive Markets(07:44) - Section 8 as Dr. Joe's Core Strategy(08:05) - Overcoming Section 8 Stereotypes(08:42) - Increasing Rent by Adding Bedrooms(09:40) - Breaking Down Section 8 Rent Structure(10:05) - How Tenant Rent Portions Are Calculated(11:25) - Section 8 Stability During Downturns(11:45) - How Inspections Work and What to Expect(13:26) - Ongoing Inspection Cycles(13:28) - Dr. Joe's Longest Tenant: 28 Years(14:38) - Why Section 8 Tenants Stay Long Term(15:24) - Turnover Costs and Importance of Tenant Stability(15:44) - What Happens When Tenants Cause Inspection Failures(16:49) - The Power of Thorough Screening(17:01) - Have You Ever Had to Evict a Section 8 Tenant(17:08) - Evictions, Housing Authority, and Mediation(18:00) - Screening Fairness and Fair Housing Compliance(19:37) - How Strict Screening Prevents Problems(20:01) - Why Dr. Joe Self Manages(20:40) - Tenant Gifts and Relationship Building(21:20) - Creating a Competitive Moat with Tenant Care(22:10) - Why Retention Matters More Than Expenses(22:12) - Applying Competitive Moat Thinking to Rentals(23:08) - Breaking Down a Current Real Example Deal(23:33) - Type of Property and How Bedrooms Are Added(24:54) - Acquisition, Renovation, and Final Costs(25:55) - Appraisal Results and Equity Created(26:10) - Appreciation Play and Cash Flow Balance(26:21) - Section 8 Annual Rent Increase Requests(27:00) - Funding Deals, Hard Money, and Private Capital(27:52) - BRRRR Strategy Adapted to Expensive Markets(28:29) - House Hacking Possibilities(29:17) - How House Hacking Accelerates Wealth(29:58) - Reducing Living Costs to Build Investment Capital(30:55) - Long Term View Over Short Term Cash Flow(31:30) - Holding Properties Through Market Cycles(31:55) - Appreciation, Cash Flow, and Tax Benefits Over Time(32:09) - Discussing Return on Equity in High Appreciation Markets(33:12) - Leveraging Home Equity Lines of Credit(34:12) - Surviving Market Cycles and Tenant Quality(35:13) - Risk Reduction Through Long Term Ownership(36:59) - Understanding Market Cycles and Timing(37:45) - Surrounding Yourself With Local Experts(38:47) - The Power of Finding a Strategy That Fits You(39:19) - Dr. Joe's Three Gold Nuggets for Listeners(40:48) - Pulling the Trigger and Buying Your First Property(41:09) - Dr. Joe's Favorite Books and Podcasts(42:14) - Learning From History's Greatest Entrepreneurs(42:32) - Where to Find Dr. Joe OnlineContact Joseph Asamoahhttps://joeasamoah.com/https://www.youtube.com/@dr.joeasamoah7503Success is not built in a day. It is built through courage, consistency, and the willingness to play the long game. Let Dr. Joe's wisdom guide your next step into a bigger future. For more insights, visit https://reiagent.com

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In this episode of The Wanderlust Wealth Show, Olivia shares the final part of her four part archives series on how to buy your first house hack investment property. She breaks down the full operations phase of owning a rental, from property management basics to long term, medium term, and short term rental systems that keep your investment running smoothly for years.Olivia explains why good operations matter just as much as the purchase itself and walks through leasing agreements, deposits, utilities, maintenance, cleaner and handyman systems, guest messaging tools, and how to streamline every step whether you choose LTR, MTR, or STR. She also shares how she manages her own properties, the tools she recommends, and the mindset shift new investors need when they officially become landlords.She also reminds listeners that this is the last month to join Wanderlust Wealth Academy before enrollment closes for the year. Anyone who joins in November receives a full free month before their membership begins in January, plus access to all templates, tools, and coaching support.This episode is the perfect wrap up to the series and gives you the exact operational foundation needed to successfully run your first or next investment property. Tune in and finish strong with part four.Join Wanderlust Wealth AcademySIGN UP FOR THE FREE CLASSAPPLY FOR THE LEAP YEAR MASTERMINDJoin the Community on Substack Learn more about WWA here: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.oliviatati.com/wwa⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Hang out with me on IG: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@theoliviatati⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ / ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@wanderlustwealth.co ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Watch this episode on Youtube: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.youtube.com/@Theoliviatati/⁠⁠⁠⁠⁠⁠⁠

In this episode of The Wanderlust Wealth Show, Olivia shares part three of her archives series on how to buy your first house hack investment property. She walks you through what happens after closing day once you have the keys and the real work begins. From choosing your rental strategy to preparing your property for long term medium term or short term tenants Olivia explains how to create a clear plan so you can list your property quickly and start generating income without unnecessary delays.She breaks down the differences between long term rentals short term vacation rentals and medium term rentals and helps you understand what each setup requires including design planning furnishing and back end systems. Olivia also shares personal stories from her own investing journey including how she set up her first house hack in just ten days so she could start earning right away.This episode also includes important updates about her free live masterclass and the special November offer for Wanderlust Wealth Academy which gives new members an extra month inside the program at no additional cost. If youre preparing to buy your first investment property or want step by step guidance on setting up your rental this episode will give you clarity confidence and a full picture of what happens after closing.Tune in to learn how to organize your systems manage renovations prepare your listings and get your investment property up and running smoothly. Stay tuned for part four next week where Olivia dives into operations management and how to run your investment property effectively.APPLY FOR THE FREE CLASShttps://www.oliviatati.com/freeclassAPPLY FOR THE LEAP YEAR MASTERMINDhttps://www.oliviatati.com/leapyearJoin the Community on Substack https://oliviatati.substack.com/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Apply for Wanderlust Wealth Academy⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Get the free course here!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Book a call to see if you would be a good fit for Wanderlust Wealth Academy: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://oliviatati.com/applywwa⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Learn more about WWA here: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.oliviatati.com/wwa⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Hang out with me on IG: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@theoliviatati⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ / ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@wanderlustwealth.co ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Watch this episode on Youtube: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.youtube.com/@Theoliviatati/⁠⁠⁠⁠⁠⁠⁠

In this episode of The Wanderlust Wealth Show, Olivia shares part two of her four part series on how to buy your first house hack investment property. She explains what to expect once your offer is accepted and you are officially under contract, including inspections, appraisals, and working with your realtor and lender.Olivia guides listeners through each stage of the process, offering practical advice on negotiations, managing contingencies, and building the confidence needed to make smart investment decisions. Drawing from her own experience as both an agent and investor, she helps you understand how to navigate this exciting but often overwhelming stage with clarity and ease.If you have not listened to part one yet, make sure to go back and start there before continuing with this episode. Olivia also shares details about her upcoming free real estate masterclass and the special Black Friday offer for Wanderlust Wealth Academy.

In this episode of The Wanderlust Wealth Show, Olivia shares one of her most-requested archive episodes ," How to Buy Your FIRST House Hack Investment Property (Part 1)".This episode kicks off a powerful four-part series where Olivia breaks down, step-by-step, how to purchase your first house hack or investment property. Whether you're brand new to real estate or ready to transition from renter to investor, this episode gives you the clarity and strategy you need to start building wealth through property.Plus, Olivia announces two exciting updates:

In this episode, I share the full story of my first out-of-state house flip that went completely sideways — and how it cost me $30,000. I break down the decisions I made, from choosing the wrong contractor to managing a property from across the country, and what I would do differently today. You'll hear the painful lessons that taught me to always verify work, set clear expectations, and never let optimism override due diligence. This story isn't just about losing money — it's about growth, learning, and becoming a smarter investor through hard-earned experience. Timestamps (00:00) - Intro (01:15) - My first out-of-state house flip (03:45) - Contractor red flags revealed (06:50) - The moment everything unraveled (08:40) - How I recovered from losing $30K (10:55) - Lessons from costly mistakes (12:30) - Why mentorship saves investors   About the Show On the Military Millionaire Podcast, I share real conversations with service members, veterans, and their families. Each week, we explore how to build wealth through personal finance, entrepreneurship, and real estate investing. Resources & Links Download a free copy of my book: https://www.frommilitarytomillionaire.com/free-book Sign up for free webinar trainings: https://www.frommilitarytomillionaire.com/register Join our investor list: https://www.frommilitarytomillionaire.com/investors Apply for The War Room Mastermind: https://www.frommilitarytomillionaire.com/mastermind-application Get an intro to recommended VA agents/lenders: https://www.frommilitarytomillionaire.com/va-realtor Guide to raising capital: https://www.frommilitarytomillionaire.com/capital-raising-guide   Connect with David Pere Facebook Group: https://www.facebook.com/groups/militarymillionaire YouTube Channel: https://www.youtube.com/@Frommilitarytomillionaire?sub_confirmation=1 Instagram: https://www.instagram.com/frommilitarytomillionaire/ LinkedIn: https://www.linkedin.com/in/david-pere/ X (Twitter): https://x.com/militaryrei TikTok: https://www.tiktok.com/@militarymillionaire

The Old Orchard Fall Festival is back—and bigger. This week on The STL Bucket List Show, host Luke Farrell sits down with Madeleine Wiering, of Papillon Press, and Lexie Toomey, of First House, to share how Webster Groves' Old Orchard District is turning Big Bend into a two-day neighborhood celebration.Festival at a glance:

In Episode 6 of Artist Spotlight, we're joined by Daniel Allan—producer, songwriter, and one of the most exciting new voices in electronic music. From attending Lollapalooza at 14 to performing at major festivals, Daniel shares how his love for dance music began and the journey that has shaped his sound. We dive into the creative process behind tracks like “I Just Need,” how his D1 tennis background drives his work ethic, and the role family and personal memories play in his artistry. Daniel also previews music from his latest EP and teases unreleased collaborations—including one with Louis The Child.This episode is a deep dive into the mind of an artist driven by authenticity, intention, and connection.

This week, the guys moved the podcast into a new home: Josh's! Evan moved things into the new place, but Josh is the one who literally moved into the first-ever home owned by the podcast. Well, at least owned by one of the podcast's hosts... The guys discuss the move, with mattresses again being a big topic as they find out they have a funny mattress connection in common! Evan also has a bunch of "sticking it to the man" stories, and both guys have plenty to talk through. Stay tuned for some crazy golf-pro Fact of the Week tea, and some This Day in Hear-story content!

Buying a house for the first time can be stressful and overwhelming. How and when do you start the search? Should you line up the financial help first? How do you know what you qualify for? Anne Schwan, a homeownership counselor at NeighborWorks Western Pennsylvania, is here to walk you through what you need to know before you start browsing Zillow and what kind of financial support is available for first-time homebuyers in our region. Plus, she explains how a Pittsburgher started a national housing movement. Check out NeighborWorks' resources for homebuyers and homeowners. Learn more about the sponsors of this July 21st episode: Babbel - Get up to 60% off at Babbel.com/CITYCAST Bike PGH Quantum Theatre Overlook Maps TurboTenant Become a member of City Cast Pittsburgh at membership.citycast.fm. Want more Pittsburgh news?  Sign up for our daily morning Hey Pittsburgh newsletter. We're on Instagram @CityCastPgh. Text or leave us a voicemail at 412-212-8893. Interested in advertising with City Cast? Find more info here. Learn more about your ad choices. Visit megaphone.fm/adchoices

In this final look back, instead of re-posting the first ever episode (I did that for the 10th anniversary) I've decided to post the second part of the mix recorded at the same time, which went out the same day. All over the place tunes! Enjoy.

Buying real estate without money or credit sounds impossible, until you hear Kris Krohn's story. In this powerful episode, Kris breaks down the exact method he used to acquire properties with no cash out of pocket. If you want to invest in real estate but feel stuck financially, this episode will open new doors.

In this Gemini New Moon episode of Cosmic Cousins, we explore Gemini's dual nature as both playful messenger and sacred psychopomp, guiding us through themes of contradiction, transformation, and communication. Jeff weaves in mythic stories of Castor and Pollux and the grief of the Seven Sisters. We're invited to embrace inner contradictions through journaling, movement, and curiosity, grounding into uncertainty and reaching toward truth. The episode also reflects on Gemini Ryan Heffington's Self Portrait Photo Exhibition EMOTIONALANDSCAPES, and features a heartfelt conversation with musician Heirloome (Lilith O'Rourke) about their grief album Cycles, sibling loss, and art as a bridge between worlds, alongside tarot reflections on the Lovers, the Devil and High Priestess cards, and invitations for ritual, gathering, and deeper astrological mentorship. On this podcast episode, other queer artists mentioned include: Root Inward Studio  Lovejoy Paradise,  Felix III If you are in the High Dez, this Thursday night at Milk Thistle in Yucca Valley, we are gathering through ritual in honor of Gemini. In addition, check out ‘Chart Your Career' podcast in which we dive deep into discussing astrocartography; as well as the Zine Witch's youtube discussing Neptune in Aries & the First House. In addition, I'm now offering Deep Dive Astrology Readings and Tarot Soul Journeys. These sessions are available online, so you can join from anywhere in the world. I'm also opening up space for a few one-on-one mentorships for those seeking ongoing guidance and support on their personal or spiritual journey. If you're feeling called, I'd be honored to connect. In addition, I'm also offering Deep Dive Astrology Readings and Tarot Soul Journeys. These sessions are available online, so you can join from anywhere in the world. I'm also opening up space for a few one-on-one mentorships for those seeking ongoing guidance and support on their personal or spiritual journey. If you're feeling called, I'd be honored to connect.

Welcome to this Gemini Season episode of Cosmic Cousins, where we explore: Mutable Air, Mercury, and reflect on the major transits shaping this season: Jupiter in Gemini, and Uranus preparing to follow. We also honor the starry presence of the Pleiades at 29º Taurus and 0º Gemini, and consider what it means to have Hygeia, asteroid of holistic healing, moving through Gemini now. Stay tuned for a guided meditation to align your breath and awareness with Gemini's essence, and an embodied reflection on the shoulders, hands, arms, and lungs—Gemini's body parts. . Then, the second half of the episode, enjoy a conversation with Adriana Rizzolo and me, Jeff Hinshaw. In our conversation we talk about... Queen of Swords & Gemini Ancestral Healing, Queerness & Sexuality Italian Shamanism, Ancestral & Blood Letting Eros, Identity & Belonging Gemini & Scorpio Quincunx Witch: An Anthology by Michelle Tea Persephone: Ritual, Performance & the Asteroid Creating Masks – the First House as the “Mask” Ace of Sword & Spoken Word – Poetry Share I'm now offering Deep Dive Astrology Readings and Tarot Soul Journeys. These sessions are available online, so you can join from anywhere in the world. I'm also opening up space for a few one-on-one mentorships for those seeking ongoing guidance and support on their personal or spiritual journey. If you're feeling called, I'd be honored to connect.

“Tiny” investments with BIG upsides? Today's guest turned a $12,000 down payment (all the money he had) into four rental properties and a unique real estate investing business. After an injury from his time in the Army left Manny Reyna with altered life plans, he had to decide what to do next. He didn't have much money but wanted to provide for his wife and young son. The best option: use his VA loan to buy a house.  With every dollar he had, he bought a home, knowing it could one day be a rental, but little did he know that it would kickstart a very different real estate investing journey. Fast forward a few years later, and Manny has a glamping/tiny house business that he started with just $20,000. This tiny home brings in some respectable cash flow but wasn't without its struggles. In this episode, we're going through the big ups (and big downs) of Manny's journey, from having to literally move a house to bad guests ruining his first short-term rental, installing utilities on completely raw land, and managing his properties from very far away (he's in Japan right now!).    In This Episode We Cover: Why every veteran or active duty military member should use THIS loan to buy a house How to start investing without much money by buying “tiny” investment properties  Whether you should hire property management or self-manage your first property  Why lowering your rent price is worth it to avoid prolonged vacancies (don't make Manny's mistake!) How much it cost Manny to install utilities (electrical, septic, etc.) on a raw land for his glamping properties  And So Much More! Links from the Show Ashley's BiggerPockets Profile Tony's BiggerPokckets Profile Join BiggerPockets for FREE Real Estate Rookie Facebook Group Real Estate Rookie YouTube Follow Real Estate Rookie on Instagram Get Casita on Instagram  Sign Up for BiggerPockets Momentum 2025 to Supercharge Your Investing This Year Grab the Book, “Short-Term Rental, Long-Term Wealth” Property Manager Finder $11,000/Month with One VERY Unique Rental Property w/Garrett Brown Connect with Manny (00:00) Intro (02:10) First House for $12K Down! (06:00) Hiring Property Management (09:34) I Can't Get Tenants! (10:37) $50K Tiny Homes and Land Investing (16:15) Setting Up Utilities on New Land (21:21) Tiny House Amenities (24:11) Cash Flow and Current Rent (26:37) Tenants Trashed My Property! (29:58) Buying MORE Tiny Homes (33:44) Managing Properties from Abroad (35:09) Connect with Manny! Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/rookie-518 Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email advertise@biggerpockets.com. Learn more about your ad choices. Visit megaphone.fm/adchoices