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Mortgage rates are in play this week as the Federal Reserve and the U.S. Treasury both step in to try to bring rates down, and I'm breaking down exactly what that means for you. If you're a homebuyer, homeowner, or realtor trying to figure out where mortgage rates are headed, this is the episode to watch before the week's economic data starts rolling in.In today's show, I cover:• The Treasury's new bond buying plan (what some are calling "QE light") and how it's designed to push mortgage rates lower • The difference between the federal funds rate and the 10 year Treasury, and why only one of them actually controls your mortgage rate • This week's full economic calendar, including ADP jobs, Case Shiller home prices, PCE inflation, jobless claims, and the Jackson Hole symposium • Why oil prices are the number one thing to watch right now, and what happens to rates if the Iran conflict drags on or resolves • How to track your own rate and payment automatically with our free RateWatch toolRead the full breakdown on the blog: https://therateupdate.com/blogCHAPTERS 0:00 The Treasury Is Buying Its Own Debt 1:47 What Actually Controls Your Mortgage Rate 3:35 This Week's Economic Calendar 6:10 Why Oil Is the Number to Watch 8:05 RateWatch and What to Do Next

Mortgage rates and inflation data are both in play today as the Treasury steps into the bond market to prop up prices. Dan Frio breaks down why bond buybacks matter for mortgage rates, what today's jobs report means, and what the Federal Reserve is likely to do next in 27 days.In this episode:• Why the Treasury stepped in yesterday to buy back bonds and prop up prices • What happens to mortgage rates when bond supply floods the market (the 2008 comparison) • $5.2 trillion in Treasury debt issued this year, and why that matters for your rate • Today's jobs report and Philly Fed manufacturing numbers, explained • The odds the Federal Reserve holds rates steady at the next meeting • What homebuyers, homeowners, and realtors should watch nextRead the full breakdown on the blog: https://therateupdate.com/blogCHAPTERS 0:00 Treasury Steps Into the Bond Market 2:00 Why Too Many Bonds Push Mortgage Rates Up 4:00 Jobs Report and Manufacturing Numbers 6:00 Federal Reserve Rate Odds for the Next Meeting 8:00 What to Watch Next for Your Mortgage Rate

Pending home sales fell 2.3% in July with declines in every region, the lowest level since January. I break down what that means for mortgage rates, oil prices, and the Fed heading into today's FOMC minutes.In today's episode I cover:

Is the housing market crashing? Mortgage rates, home prices in Austin, Memphis, Tampa, San Francisco, and San Antonio, plus this week's CPI, jobs report, and Federal Reserve outlook, all explained.The headlines say the housing market is crashing. So today I'm putting that to the test with the real numbers. Nationally, home listing prices are down 2.4%, but median home prices are actually up 3.2%. I break down which markets are falling the hardest (Austin, Memphis, Tampa, San Francisco, San Antonio) and which ones are still climbing (Providence, Indianapolis, Hartford, Virginia Beach, Chicago), then explain how the mortgage bond market, this week's CPI report, and the jobs numbers are shaping where mortgage rates go next.If you're sitting on the sidelines waiting for the crash, this is the video where I tell you exactly what to check before you make that call: your credit score, your down payment options, and what mortgage payment you actually qualify for.For more market breakdowns and data, check out the blog: https://www.therateupdate.com/blog

Mortgage rates are moving after a big week of data. In this video I break down the new PPI inflation report, CPI, jobless claims, oil prices, and what it all means for your mortgage rate, plus what the Federal Reserve is likely to do at its next meeting.If you're a homebuyer, homeowner, or realtor trying to figure out where mortgage rates go from here, this is exactly what I do every day for my own clients.

This episode is sponsored by…NCH:Set up an LLC to protect your investments! – https://nchinc.com/rtrBLUPRINT HOME LOANS:Get pre-approved with one of RTR's preferred lenders at - https://bluprinthomeloans.com/renttoretirement/ Is today's real estate market creating better opportunities than the headlines suggest?

This episode is sponsored by…NCH:Set up an LLC to protect your investments! – https://nchinc.com/rtrBLUPRINT HOME LOANS:Get pre-approved with one of RTR's preferred lenders at - https://bluprinthomeloans.com/renttoretirement/ Is today's real estate market creating better opportunities than the headlines suggest?

CPI came in right on point today, cooling core inflation to 2.5% year over year. Here's what today's inflation report means for mortgage rates, homebuyers, refinance timing, and where rates could head by the end of the day.

Send us Fan MailDi tengah inflasi tertinggi dalam 5 tahun terakhir, banyak bisnis tergoda memangkas anggaran pemasaran demi bertahan.Tapi apakah itu langkah yang tepat?

Mortgage rates are reacting to a soft jobs report, oil prices holding under $80, and a Federal Reserve meeting just 37 days away. I break down CPI, PPI, unemployment at 4.2%, and what all of it means for your rate this week.Here's what's driving the mortgage rate market today:The June jobs report just showed 20,000 jobs lost while unemployment somehow held at 4.2%, and I explain why the market is reading that as a crack in the labor market. This week we get two inflation reports that matter a lot more than usual. Wednesday brings CPI, both core and headline, with core inflation expected to tick up to 0.2% after coming in flat last month. Thursday brings PPI, the producer side, expected to rise to 0.2% after a negative 0.3% reading last time. I also walk through why oil is the number to watch right now. As long as oil stays under $80 a barrel we're in a manageable range, but if it pushes toward $90 to $100 a barrel that is when inflation spikes and mortgage rates jump with it. On top of all of that, I cover the Iran conflict overhang, the Dow Jones move from 50,000 to 54,000 since the war started, and why the Fed is now sitting at a 54% chance of holding the federal funds rate steady at 3.5% to 3.75% at their next meeting in 37 days instead of cutting or hiking.Get the full breakdown and more market analysis on the blog: https://www.therateupdate.com/blogCHAPTERS (estimated, please verify against final edit) 0:00 Jobs report reaction and today's rate chart 1:35 What the Fed is watching: unemployment at 4.2% and GDP 2:35 This week's CPI and PPI reports explained 4:20 Why oil under $80 is the number that matters 5:35 Fed meeting in 37 days and today's rate forecast

In this episode of the Turnkey 314 Podcast, Justin, Mike, and Dave discuss what rental property investors need to know about insurance in today's market. They cover rising insurance rates, the importance of shopping policies at renewal, the differences between Actual Cash Value (ACV) and Replacement Cost Value (RCV), landlord insurance essentials, flood coverage, renters insurance, and strategies for protecting your portfolio without overpaying. The team also explains why they only recommend switching insurance providers when it truly benefits the investor through better coverage, service, or savings. Have Questions? If you'd like a second opinion on your current insurance policy or want to be introduced to Joe for a quote, reach out to the team. They're happy to review your coverage, answer your questions, and help you explore your options. Mike: mike@turnkey314.comDave: david@turnkey314.comJustin: justinbshort@yahoo.comIf you enjoyed this episode, be sure to subscribe to the Turnkey 314 Podcast for more practical conversations on real estate investing, property management, financing, insurance, and building long-term wealth through rental properties.

Mortgage rates are in play today after a fresh jobless claims report moved the bond market. I break down what the Federal Reserve is watching, why continuing claims climbing back to 1.8 million matters for your rate, and what oil prices and the Iran ceasefire could mean if it breaks. If you are a homeowner or buyer trying to figure out where rates go next, this is the video for you.CHAPTERS 0:00 Breaking Jobs Report and What It Means for Mortgage Rates 1:45 The Federal Reserve and the Bond Market Explained 3:15 Jobless Claims Hit 1.8 Million 5:00 Oil Prices, the Iran Ceasefire, and Rate Risk 7:00 Fed Meeting Odds and My Mortgage Rate ForecastRead the full breakdown on today's numbers: https://therateupdate.com/blog

In this week's episode, Phil EuBank sits down with Matt Summers to dive into Sunday's message on irreligion, agnosticism, and the widespread assumption that "good people are fine." They explore the cultural default of the Bay Area, where many people don't claim a formal religion but instead live out a form of secular humanism or moralistic therapeutic deism, hoping their good intentions and decent behavior will ultimately be enough. Phil shares a deeply moving story about pastoring through tragic loss and contrasts the world's transactional thinking with Jesus's encounter with the rich young ruler in Mark 10. Together, Phil and Matt discuss why Jesus desires our hearts rather than our moral resumes, exposing how easily even church culture can drift into busyness and performance over genuine relationship.

This episode is sponsored by…NCH:Set up an LLC to protect your investments! – https://nchinc.com/rtrBLUPRINT HOME LOANS:Get pre-approved with one of RTR's preferred lenders at - https://bluprinthomeloans.com/renttoretirement/ Can turnkey rehab properties help you build a rental portfolio faster—and with less capital?In this episode of the Rent To Retirement Podcast, host Matthew Seyoum and investment strategist Tommy break down how professionally renovated turnkey properties can offer investors a lower entry point, stronger projected cash flow relative to their down payment, and an opportunity to diversify across multiple rental properties.

This episode is sponsored by…NCH:Set up an LLC to protect your investments! – https://nchinc.com/rtrBLUPRINT HOME LOANS:Get pre-approved with one of RTR's preferred lenders at - https://bluprinthomeloans.com/renttoretirement/ Can turnkey rehab properties help you build a rental portfolio faster—and with less capital?In this episode of the Rent To Retirement Podcast, host Matthew Seyoum and investment strategist Tommy break down how professionally renovated turnkey properties can offer investors a lower entry point, stronger projected cash flow relative to their down payment, and an opportunity to diversify across multiple rental properties.

Mortgage rates are holding steady today even after a rough ADP jobs report showed only 44,000 private payroll jobs created, well below the 100,000 needed to keep the labor market on track. At the same time, stocks are soaring toward record highs, oil markets are reacting to another tanker strike tied to the Iran conflict, and the bond market is absorbing a massive wave of Treasury, corporate, and mortgage debt. In today's episode I break down why mortgage rates aren't moving despite all this noise, what the MBS (mortgage bond) market is telling us, and what the Federal Reserve is watching heading into their next meeting.CHAPTERS 0:00 Breaking News: Jobs Report Miss and Oil Tanker Strike 1:40 Only 44,000 Jobs Created, What It Means For Your Rate 3:20 Bond Market Explained: Treasuries, Corporate Debt and MBS 6:00 Stocks Soar, Oil Tanker Struck, Why Rates Aren't Moving 8:45 Fed Rate Cut Odds, Iran War Impact and What To Watch NextRead the full breakdown on the blog: https://www.therateupdate.com/blog/the-daily-rate-update-august-5-2026-stocks-soar-but-rates-get-better

Mortgage rates are getting better today as oil drops to $77 a barrel and mortgage bonds trade up 17 ticks. In this video I break down why the Federal Reserve's 58% odds of a rate hike next meeting might not hold, how the Iran conflict is driving oil and inflation, and what this week's jobs data means for your mortgage rate.Read the full breakdown on the blog: https://www.therateupdate.com/blog/stocks-are-soaring-today-so-why-arent-mortgage-rates-going-up

Mortgage rates, oil prices, and inflation just collided again. In this video I break down today's mortgage rate forecast, why oil crashing is moving inflation and interest rates, and what the Federal Reserve's next meeting could mean for your rate.If you're a homebuyer, homeowner, or realtor trying to figure out why rates move the way they do, this is the video that connects the dots. I walk through today's mortgage bond market chart, explain exactly how oil prices drive inflation and mortgage rates, and preview the economic data coming out this week that could push rates higher or lower.In this episode I cover: Why oil crashing is good news for mortgage rates and what could reverse it How oil prices, inflation, and interest rates are all connected This week's key economic reports: PMI, JOLTS, ADP payrolls, jobless claims, and the unemployment rate The Federal Reserve's current rate hike probability heading into the next meeting What I'm personally telling my clients right now about locking or floating their rate For more on how oil prices and inflation are shaping the mortgage market, check out my full breakdown on the blog: How Oil Prices Are Moving Mortgage Rates Right Now at therateupdate.com/blog

Mortgage rates are on the move after 3 Federal Reserve officials voted to hike rates this week, the largest dissent within the Fed since 1970. If you're a homebuyer, homeowner, or realtor trying to figure out where mortgage rates are headed next, this is the update you need to watch.In this episode, I break down exactly why mortgage rates jumped to 6.77% today, why the Federal Reserve is split on hiking rates even as inflation cools, and why oil prices tied to the Iranian conflict are quietly driving Treasury yields and mortgage rates higher. I also walk through this week's economic data, next week's calendar, and what I'm personally advising my clients to do right now if they're under contract or thinking about locking in a rate.Here's what I cover:

Mortgage rates, Federal Reserve, inflation, PCE report, oil prices, Iran conflict, Dow Jones, mortgage rate forecast — here's what moved rates today and what the Fed does next.The Fed just came out and the mortgage bond market took a wild ride because of it. Inflation on the PCE report came in better than expected at 3.3%, jobless claims stayed low, and the Dow is nearing 52,000... but the Fed is still showing a 60% chance of a rate hike at the next meeting. On top of that, the oil war overseas is still raging and could send rates jumping if it escalates. In this video I break down exactly what's driving mortgage rates right now and what I'm telling my own clients to do about it. How to read the mortgage rate chart and what moved rates after the Fed's comments The PCE inflation report and why 3.3% matters Jobless claims, continued claims, and what they signal about the job market Oil prices, the Iran conflict, and how a jump to $120 a barrel could affect your rate Why the Dow is near 52,000 despite the ongoing conflict The Fed's 60% odds of a hike at the next meeting, and what I'm advising clients with a signed contract right now I go deeper on this in my blog post, Is the Fed About to Trigger a Mortgage Rate Shock?: https://www.therateupdate.com/blog/is-the-fed-about-to-trigger-a-mortgage-rate-shockChapters:0:00 Intro – Inflation, Oil War & What the Fed Does Next 1:30 The Rate Chart – What Happened After the Fed's Comments 3:15 PCE Inflation Breakdown (3.3% Reading) 5:15 Jobs Data, Oil Prices & the Iran Conflict Risk 7:30 Dow Nears 52,000, Fed's 60% Hike Odds & Locking Your Rate

In this week's episode, Phil EuBank sits down with Pastor Matt Summers to dive into Sunday's message, The System of Merit. Framing Roman Catholicism as our theological parent in the Christian family tree, they explore how a system built on human merit, sacraments, and tradition can subtly turn faith into a tollbooth or a self-funded spiritual insurance policy. Together, Phil and Matt discuss the core contrasts of the Protestant Reformation, specifically Sola Scriptura (Scripture alone) and salvation by grace alone through faith alone. Drawing from Phil's childhood friendship with a local priest named Father Michael, they highlight the vital need to hold deep conviction without losing the humble, loving posture of Jesus. They also turn the mirror on Protestant culture, exposing the invisible performance tolls we often pay when we try to earn God's love or blame ourselves during life's hardships. Listen to the Menlo Midweek Podcast Tune into new episodes released every Wednesday as we break down Sunday's sermon, share behind-the-scenes insights, and discuss practical ways to live out our faith. Listen now at menlo.church/podcasts.

Mortgage rates are on edge today as oil prices spike and the Federal Reserve meets to decide what happens next with interest rates. I'm breaking down what's driving today's move and what it means for your rate.Today isn't a normal day. Iran struck another ship, oil jumped 6%, and the Federal Reserve is meeting this afternoon to figure out where the federal funds rate goes from here. I walk through the bond market, the inflation data, the jobs numbers, and exactly what I'm telling my own clients to do right now if they're under contract, sitting on the sidelines, or thinking about refinancing.In this video I cover: • Why oil prices jumping 6% in one day is hitting the mortgage bond market • What the Federal Reserve actually controls and how it ripples into your rate • The real CPI, PPI, and jobs numbers the Fed is watching this week • Why inflation is dropping when you strip out oil and energy • What I'm advising clients to do today: lock, wait, or holdRead the full breakdown on my blog: Fed Rate Call During a Global Crisis: Mortgage Rate Snapshot Today — https://www.therateupdate.com/blog/fed-rate-call-global-crisis-mortgage-rate-snapshot-todayAnd for more on where rates could head next: CPI Drops, Jobs Cool: Is a Fed Rate Cut Finally Coming? — https://www.therateupdate.com/blog/cpi-drops-jobs-cool-is-a-fed-rate-cut-finally-comingCHAPTERS 0:00 Oil spikes, Iran conflict, and today's Fed meeting 1:30 How the Federal Reserve actually controls rates 3:15 CPI, PPI, and the inflation data the Fed is watching 5:45 Jobs numbers and where the cracks are showing 7:30 What I'm telling my clients to do right now

What does it mean to be set apart?"Clean and Unclean" is an anthem about walking in God's truth, refusing compromise, and embracing the holiness He calls His people to live. Inspired by Scripture's distinction between the clean and the unclean, this song reminds us that God's Word doesn't change with culture.Listen now and be encouraged to walk faithfully in the narrow way.

Mortgage rates are holding steady heading into tomorrow's Federal Reserve meeting, but oil sitting at $80 a barrel could change everything fast. Today I break down the jobs report, cooling inflation data, and why home prices are up 1.6% year over year despite the crash predictions.There's a 70% chance the Fed does nothing at tomorrow's meeting, but that's not the full story. Between a softening ADP jobs report, inflation numbers coming in cooler than expected, and oil prices tied directly to the ongoing conflict overseas, there's a lot moving underneath the surface that could shift your rate in either direction. Here's exactly what I'm watching and what I'm telling my own clients to do right now.

Mortgage rates today: oil prices drop to $84 a barrel, new tariffs hit the market, and the Federal Reserve meets in 2 days. Here's what it means for your mortgage rate, refinance, and home buying plans.

I used AI to rank every major housing market analyst since 2022 — who called the housing crash right, who got mortgage rate forecasts wrong, and where real estate is really headed in 2026. See how Logan from HousingWire, Realtor.com, and Zillow scored versus analysts still predicting a crash worse than 2008.Every day someone tells you exactly where mortgage rates and home prices are headed — but almost none of them go back and check if they were right. So I did. I ran the top housing market analysts and real estate YouTubers through AI, backdated the data to 2022, and scored who actually predicted housing correctly versus who's been calling for a housing crash worse than 2008 for four years straight.In this video I break down: The top-ranked housing market analysts since 2022 (HousingWire, Realtor.com, Zillow) The real estate influencers with the worst forecasting track record on mortgage rates and home prices Why "housing crash worse than 2008" predictions have failed for years Where my own mortgage rate and housing forecasts ranked What this means for homebuyers and homeowners deciding whether to buy, sell, or refinance in 2026

In this week's episode, host Peter Sherman sits down with Spiritual Formation Pastor Matt Summers to unpack Sunday's message, The Ladder of Modern Prophets. In the LDS system, salvation is often framed as a partnership where we provide maximum effort and God provides the supplement. But striving to follow laws, ordinances, and temple works to achieve exaltation creates an exhausting, moving finish line. It leaves us trapped in the anxiety of never knowing if we have done enough to qualify for God's presence. Together, Peter and Matt explore the contrast offered by the gospel. Grace is not a top-off to patch up our performance, and the work of Jesus is not a supplement to our effort; it is a total substitute for it. Instead of climbing a spiritual ladder to prove our value, we discover the life-changing freedom of stepping off the performance loop and living from the worth Jesus has already given us. Listen to the Menlo Midweek Podcast Tune into new episodes released every Wednesday as we break down Sunday's sermon, share behind-the-scenes insights, and discuss practical ways to live out our faith. Listen now at menlo.church/podcasts.

This episode is sponsored by…NCH:Set up an LLC to protect your investments! – https://nchinc.com/rtrBLUPRINT HOME LOANS:Get pre-approved with one of RTR's preferred lenders at - https://bluprinthomeloans.com/renttoretirement/ ROI Property Group:If you are interested in direct lending with ROI Property Group, give Rob Fuller a call at 707-365-6891 to learn more. 12-24 month loan options are available. Let him know that Rent To Retirement sent you! - https://www.roipropertygroup.com/rtrDiscover a new-construction rental opportunity in the Houston, Texas market with properties priced under $315,000, professional on-site management, and tenants already in place in many cases.In this episode of the Rent To Retirement Podcast, host Matthew Seyoum speaks with Ryan, a real estate professional with nearly 30 years of institutional investment, multifamily, development, and asset-management experience.Ryan explains how the strategies used by large institutional investors can benefit individual rental-property owners. They examine the advantages of purpose-built rental communities, including economies of scale, dedicated maintenance personnel, stronger resident retention, lower operating expenses, and more consistent property management.The featured homes are located in the Rosharon area south of Houston within a master-planned community offering pools, a lazy river, sports courts, a clubhouse, and other resident amenities. The community also provides convenient access to Highway 288 and the Texas Medical Center—one of the region's most significant employment centers.

This episode is sponsored by…NCH:Set up an LLC to protect your investments! – https://nchinc.com/rtrBLUPRINT HOME LOANS:Get pre-approved with one of RTR's preferred lenders at - https://bluprinthomeloans.com/renttoretirement/ ROI Property Group:If you are interested in direct lending with ROI Property Group, give Rob Fuller a call at 707-365-6891 to learn more. 12-24 month loan options are available. Let him know that Rent To Retirement sent you! - https://www.roipropertygroup.com/rtrDiscover a new-construction rental opportunity in the Houston, Texas market with properties priced under $315,000, professional on-site management, and tenants already in place in many cases.In this episode of the Rent To Retirement Podcast, host Matthew Seyoum speaks with Ryan, a real estate professional with nearly 30 years of institutional investment, multifamily, development, and asset-management experience.Ryan explains how the strategies used by large institutional investors can benefit individual rental-property owners. They examine the advantages of purpose-built rental communities, including economies of scale, dedicated maintenance personnel, stronger resident retention, lower operating expenses, and more consistent property management.The featured homes are located in the Rosharon area south of Houston within a master-planned community offering pools, a lazy river, sports courts, a clubhouse, and other resident amenities. The community also provides convenient access to Highway 288 and the Texas Medical Center—one of the region's most significant employment centers.

Oil hit $120 a barrel during the last Iran conflict. Today it's sitting around $80... during the SAME kind of conflict. That gap is the whole story for where mortgage rates go next, and I break down exactly why in today's video.I also walk through the two things the Federal Reserve actually cares about (inflation and jobs), what last week's data really showed, and why I'm telling you there's basically a 100% chance the Fed does nothing at next week's meeting. Then I get into what I'm personally telling my clients to do right now if you're under contract, or if you're planning to buy later this year.Stick around to the end, I show you the exact tools I use every single day to track this stuff myself, and how you can use them too.

What if grace isn't a reward for climbing a religious ladder, but a gift that meets you right at the bottom? Pastor of Spiritual Formation Matt Summers continues our Let's Be Honest series by exploring the theology of the Latter-day Saints Church and the idea of grace after all we can do. In a system where salvation is treated as a partnership of human effort and divine supplement, it is easy to get trapped in the anxiety of never knowing if you have done enough. While modern prophets offer frameworks to reach godhood, Christianity points to a God who came down the ladder to reach us. Instead of an endless checklist of requirements, the gospel offers the life-changing freedom of a grace that cannot be earned. We look at the core differences regarding who God is, who Jesus is, and how we are saved, discovering that our worth does not live on the next rung of performance. Join us as we learn to trade striving for the security of a Savior, realizing that when the frameworks falter, Jesus alone is enough. Listen to the Menlo Midweek Podcast Want to dive deeper into this week's message? Tune into the Menlo Midweek Podcast, released every Wednesday, where we break down the major themes and share behind-the-scenes personal insights that didn't make it into Sunday's sermon. Listen now at menlo.church/podcasts. Need Prayer or Have Questions? Text Our Team (650) 600-0402 Connect With Us Follow Us on Social Media Instagram: @menlo.church Facebook: Menlo Church Website: http://www.menlo.church Musicbed Sync ID: (MB014RCECFXJCWL) | (MB01EKBUICB4NLC)  

Mortgage rates, inflation data, and Federal Reserve rate expectations all came together this week. Consumer inflation (CPI) and producer inflation (PPI) both came in negative, yet markets are still pricing in a possible Fed rate hike — Dan breaks down why the numbers and the Fed's next move don't seem to line up, what's coming next week before the Fed meeting, how oil prices tie into mortgage rates, and why he thinks rates could test their lows again soon.00:00 Intro: Why the Fed hike talk doesn't add up 01:35 This week's inflation and jobs data 03:45 What's coming next week before the Fed meets 05:45 Fed rate hike odds and closing outlook

We are continuing our summer series, Let's Be Honest, a thoughtful, humble exploration of what it means to navigate faith, culture, and big intellectual questions today. This week, host Matt Summers sits down with Brett Koerten for an honest, deeply respectful look at Buddhism. Instead of relying on easy stereotypes, they start with a deeply human question we all face: why life feels unstable and why even the good things in this world never seem to last. Using the metaphor of two glasses—one empty, one full—they explore how different paths approach this universal ache. While Buddhism focuses on emptying ourselves of cravings to find peace, Christianity offers a completely different hope. You see, Christianity has an emptying too. But instead of that emptying being a requirement by us to receive freedom, in Jesus, God emptied himself to enter our suffering, take it upon himself, and make us whole.

This episode is sponsored by…NCH:Set up an LLC to protect your investments! – https://nchinc.com/rtrBLUPRINT HOME LOANS:Get pre-approved with one of RTR's preferred lenders at - https://bluprinthomeloans.com/renttoretirement/ ROI Property Group:If you are interested in direct lending with ROI Property Group, give Rob Fuller a call at 707-365-6891 to learn more. 12-24 month loan options are available. Let him know that Rent To Retirement sent you! - https://www.roipropertygroup.com/rtrIs Columbus, Georgia one of the most overlooked rental property markets in the Southeast?

This episode is sponsored by…NCH:Set up an LLC to protect your investments! – https://nchinc.com/rtrBLUPRINT HOME LOANS:Get pre-approved with one of RTR's preferred lenders at - https://bluprinthomeloans.com/renttoretirement/ ROI Property Group:If you are interested in direct lending with ROI Property Group, give Rob Fuller a call at 707-365-6891 to learn more. 12-24 month loan options are available. Let him know that Rent To Retirement sent you! - https://www.roipropertygroup.com/rtrIs Columbus, Georgia one of the most overlooked rental property markets in the Southeast?

Can forest landowners deduct residual soil fertility as some farmers do? In this episode, Shaun and Brady examine the growing interest in the residual fertility tax deduction, explain the relevant IRS tax provisions, and discuss why these strategies may apply to agriculture but generally not to forestry. They also cover the legal uncertainty surrounding aggressive soil nutrient deductions and what forest landowners should know before pursuing them. Special Thanks to Dr. Yanshu Li at The University of Georgia for providing section code interpretation and Kristine Tidgren, Director of the Center for Agricultural Law and Taxation, for her very helpful work in this area that was used for the background and relevant cases discussed in the episode.  Have Questions? If you've encountered this issue in practice or have experience with residual fertility deductions in forestry or agriculture, the hosts would love to hear from you. Email: TimberUniversity@gmail.com

We are kicking off week two of our summer series, Let's Be Honest, a thoughtful, humble exploration of what it truly means to navigate faith, culture, and big intellectual questions in today's world. Host Matt Summers sits down with Menlo Church Lead Pastor Phil EuBank to take an honest, respectful look at Islam. Together, they discuss the critical importance of engaging with other worldviews on their own terms—seeking to understand the strongest, most intelligent form of what another faith actually teaches rather than knocking down weak, uncharitable caricatures. Phil pulls back the curtain on his own inbox to share the raw, tension-filled feedback he receives from both sides of the conversation, using it to highlight how difficult yet vital it is to thread the needle of truth and love in our local communities. The conversation dives deep into the heart of the weekend message, contrasting two fundamentally different documents: the "report card" of performance versus the "birth certificate" of identity. While the five pillars of Islam demand an admirable, rigorous level of human effort, discipline, and devotion, they ultimately leave even their greatest prophets facing a ledger of profound spiritual uncertainty. Matt and Phil explore how the radical promise of Jesus completely upends the scales of behavior modification. Instead of offering a manual or an oppressive checklist to measure up, the Gospel offers an invitation to abide daily in a living relationship with a Savior who already overcame the grave to secure who we are.

This episode is sponsored by…NCH:Set up an LLC to protect your investments! – https://nchinc.com/rtrBLUPRINT HOME LOANS:Get pre-approved with one of RTR's preferred lenders at - https://bluprinthomeloans.com/renttoretirement/ ROI Property Group:If you are interested in direct lending with ROI Property Group, give Rob Fuller a call at 707-365-6891 to learn more. 12-24 month loan options are available. Let him know that Rent To Retirement sent you! - https://www.roipropertygroup.com/rtrAre you taking full advantage of the tax strategies available to real estate investors?

This episode is sponsored by…NCH:Set up an LLC to protect your investments! – https://nchinc.com/rtrBLUPRINT HOME LOANS:Get pre-approved with one of RTR's preferred lenders at - https://bluprinthomeloans.com/renttoretirement/ ROI Property Group:If you are interested in direct lending with ROI Property Group, give Rob Fuller a call at 707-365-6891 to learn more. 12-24 month loan options are available. Let him know that Rent To Retirement sent you! - https://www.roipropertygroup.com/rtrCan a busy physician with a demanding career and two young children realistically build a rental property portfolio? In this episode of the Rent To Retirement Podcast, host Matthew Seyoum sits down with Rent To Retirement investor Colin to discuss how he went from exploring Airbnb investments to owning two long-term rental properties—and preparing for his next acquisition. Colin explains why the operational demands of short-term rentals did not fit his lifestyle, how turnkey real estate helped him invest outside his local market, and why having an experienced team made his second purchase dramatically easier than his first.

We have reached the finale of our Glitch series, a month-long conversation about what it truly means to be human in a machine world. After exploring awe, agency, and identity, host Matt Summers sits down with teaching pastor Phil EuBank to tackle the final, most vulnerable layer of this cultural moment: intimacy. Reflecting on the real-time feedback from the Menlo Church lobby over the last few weeks, Matt and Phil unpack how living in a hyper-optimized, digital environment has quietly exposed a profound undercurrent of loneliness and exhaustion in our community. This episode dives deep into the weekend message, "Going Offline," moving past abstract fears of AI companions to look at the immediate reality of how technology is actively retraining us. When we become accustomed to frictionless, digital interactions, our tolerance for real-world relational messiness plummets. Phil challenges us to consider a sobering reality: relationships that never push and pull only take and never give. By looking at Jesus' invitation in Matthew 11 and Paul's words on being "fully known" in 1 Corinthians 13, this conversation serves as a beautiful, practical roadmap for recovering our humanity through the slow, messy, and restorative work of real community.

This episode is sponsored by…NCH:Set up an LLC to protect your investments! – https://nchinc.com/rtrBLUPRINT HOME LOANS:Get pre-approved with one of RTR's preferred lenders at https://bluprinthomeloans.com/renttoretirement/ What does it actually look like to go from wanting rental real estate to owning multiple turnkey investment properties?In this episode of the Rent To Retirement Podcast, host Matthew Seyoum sits down with investor Dan to talk about his real estate investing journey — from a challenging first fix-and-flip experience to purchasing two turnkey rental properties through Rent To Retirement.Dan shares how he found Rent To Retirement, why turnkey real estate made sense for his busy lifestyle, how he evaluated markets like Birmingham, Alabama and San Antonio, Texas, and why he believes getting started is more important than waiting for the “perfect” time.Whether you're a first-time investor, a busy professional, or someone who had a bad real estate experience in the past, this episode offers practical insight into how turnkey rentals can help simplify the path toward long-term wealth.