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Send us a textTahukah Anda? 82% bisnis gagal akibat masalah cashflow. Akar permasalahan ini disebabkan strategi penjualan yang kurang kuat.Episode terbaru Indonesia Digital Marketing Podcast, saya membongkar jebakan umum yang sering dialami pemilik bisnis baru terlalu fokus pada lokasi strategis, tempat bagus, dan produk yang keren, tapi lupa membangun sistempenjualan. Saya juga akan membagikan strategi penjualan ToffeeDev tumbuh 2x lipat di tengah pandemi.✅ 3 peran vital penjualan dalam membangun cashflow✅ Membangun hubungan yang kuat dengan pelanggan✅ Mendorong pertumbuhan bisnis berkelanjutanApakah Anda baru memulai bisnis atau sedang berjuang mengembangkannya? Dengarkan episode ini dan dapatkan insight penjualan yang bisa langsung Anda terapkan! Klaim Free Local SEO Audit sekarang di https://lbo.toffeedev.com dan cek visibilitas bisnis Anda hari ini.

In this powerful continuation of our study in Hebrews 10:22, Donald E. Coleman concludes the teaching on the four key characteristics of a true believer, building on the previous episode. With biblical depth and pastoral clarity, Donald explores what it means to draw near to God with a sincere heart, full assurance of faith, and a cleansed conscience. He examines how spiritual transformation happens not through striving, but through the ongoing work of Christ's blood and partnership with the Holy Spirit.Donald addresses the head and heart connection, warning against extremes of emotion or intellect, and invites believers into the fullness of faith modeled by Christ. From the crucified life to the enduring promise of Revelation 3:20, this episode unpacks how true believers live in God's presence, endure trials with patience, and walk in freedom from guilt and shame.You'll also gain insight into the doctrine of sin and salvation, the cleansing power of Jesus' blood, and why our identity as sons and daughters of God matters for spiritual access and growth.

Ever second-guess whether it's God talking to you… or just your own inner dialogue?You're not alone.In this episode, Jenilee sits down with anxiety specialist and Christian coach Eric Gilbert to unpack the subtle (and not-so-subtle) ways God speaks—and how to tell the difference between faith-led clarity and fear-driven noise.

Send us a textDalam video ini, kita kupas tuntas strategi jitu mendapatkan review positif dari pelanggan, bahkan ketika mereka jarang mau menulis ulasan. Anda akan belajar:✅ Mengapa pelanggan yang puas, jarang meninggalkan review✅ Cara meminta review tanpa terkesan memaksa✅ Strategi membalik ulasan negatif jadi kepercayaan pelanggan✅ Bagaimana review bisa jadi alat marketing powerful untuk bisnis AndaDownload e-book eksklusif “50 Ide Hadiah yang Terbukti Efektif Meningkatkan Review Google Business Anda” di sini: https://lbo.toffeedev.com/ebook#ReviewGoogle #DigitalMarketing #StrategiBisnis #ToffeeDev #MarketingTips #ReputationManagement Klaim Free Local SEO Audit sekarang di https://lbo.toffeedev.com dan cek visibilitas bisnis Anda hari ini.

In this powerful continuation of the Daily Living for Christ study on Hebrews 10:19–25, Donald E. Coleman returns with a focused exploration of Hebrews 10:22, highlighting “The Characteristics of a True Believer.” With biblical insight and pastoral wisdom, Donald emphasizes that true Christian transformation flows not from ritual or appearance, but from a sincere, surrendered heart anchored in God's Agape.This episode offers a deeper understanding of:   ✅ The head and heart connection in biblical spirituality   ✅ How true believers draw near to God with clean hearts and freed       consciences    ✅ Why God speaks to the heart—not the intellect—and how to posture ourselves to hear   ✅ The difference between religion and relationship in the New Covenant   ✅ The call to hold fast to hope, especially in global uncertaintyDonald also draws from the parable of the sower, linking it to how our hearts receive or resist God's Word. He explains why understanding God's timeless love—especially in times of crisis like COVID-19—is key to remaining faithful, connected, and fruitful. Listeners are reminded that the true markers of belief are not found in religious performance, but in an intimate, transformed relationship with the Eternal Father, shaped by trust, letting go, and ongoing openness.➡️ Listen now to discover how your heart, not just your mind, is the doorway to living as a true believer in Christ—and how the Agape of God is calling you into deeper assurance, hope, and fellowship today."Have Questions, Send us a Message" This podcast is a production of The Center for Biblical Coaching and Leadership. If this episode has been useful or inspiring to you in any way, please share it with someone else. Lastly, please follow the show and write a review.If you want to go deeper on this journey, visit www.tcbcl.org to learn how we're walking this path together through biblical coaching, spiritual formation, and the ROOTED Global Movement.

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• Join me in Greece on a special trip with my listeners!  We will explore, make memories, eat great food, see biblical and historical sites & encounter Jesus.  Take this 2 minute survey to help me start planning it: https://my.trovatrip.com/public/l/survey/jenilee-samuel---------------------------------------Let's be honest: reading your Bible shouldn't feel overwhelming—but sometimes it does.In this episode, I'm joined by Philip Nation, VP and Publisher at Thomas Nelson Bibles, and we're answering 7 of the most common questions you've asked about Bible reading—questions that real women (like you!) are wrestling with.If you've ever wondered:“Which Bible translation is right for me?”“Why do I feel dry or disconnected when I read?”“Is it okay that I only read a few verses?”“How do I help my kids engage with the Bible too?”…then this episode is for you.You'll hear practical strategies, fresh encouragement, and zero shame. Whether you're juggling babies, running a business, or rebuilding your spiritual life—this episode will help you make Bible time simple, sacred, and actually enjoyable.About Today's Guest:Philip Nation is the Vice President and Publisher of Thomas Nelson Bibles. He's a pastor, professor, and author with a passion for making Scripture easy to understand and accessible for everyday life. He's also a husband, father, and grandfather who understands the pressures of real life and the beauty of grace. Learn more at www.thomasnelsonbibles.com.7 Listener Questions We Answered in This Episode:Which Bible translation is best for me?What should I read when I feel spiritually dry?How can I fit Bible time into my busy schedule?What tools can help me understand what I'm reading?How do I make Bible reading feel more enjoyable—not just another task?What do I do when I feel guilty about not reading enough?7. How can I bring the Bible into my parenting naturally?Was this helpful for you?

Send us a textGoogle baru saja mengubah algoritmanya secara besar-besaran. Banyak website mengalami penurunan traffic hingga 30–40%, padahal jumlah pengguna Google justru meningkat. Kenapa bisa begitu?Jawabannya: AI Overview dari Google. Sekarang pengguna mendapat jawaban langsung tanpa harus klik ke website Anda. Tapi tenang—ini bukan akhir dari SEO, melainkan awal dari era baru.

Jeff and Emily welcome a very special guest—none other than their mom, Pam Mauro (aka Pamcakes)! With decades of experience developing continuing education programs for mental health professionals and currently leading a lively women's support group called WOW (Women on Wednesday), Pam brings serious wisdom with a no-nonsense side of sass. Together, the Mauro trio dives into real-life advice, family stories, and mental health insights—all served with plenty of laughs, heart, and signature ball-busting. It's funny, it's touching, it's classic Mauro.   Subscribe to Come On Over's Youtube Channel and WATCH this episode! This episode was produced by Holy Cow Productions - a full-service content production house built to turn ideas into impact. Have Questions? Send yours to askjeff@comeonover.com! Subscribe to Jeff's Sandwich Kingdom Youtube channel! Subscribe to The Jewel Bag's Youtube Channel!

Questions? Thoughts? Send a Text to The Optometry Money Podcast!Episode SummaryIn this timely episode, Evon unpacks the Department of Education's recent surprise announcement that interest will resume accruing on the SAVE plan's current forbearance beginning August 1, 2025. We explore what this means for optometrists managing student loans - especially those approaching forgiveness eligibility or considering refinancing.What You'll LearnSurprise Announcement: Why SAVE's interest-free forbearance ends on August 1, 2025, and how to prepareOBBBA Overview: How this new legislation (effective July 2026) changes income-driven repayment plan options - removing SAVE, PAYE, ICR plans as available options for current optometristsRepayment Roadmap: How optometrists should evaluate refinancing, staying federal, or switching plans based on degree completion and loan timingIDR Plan Comparison: Breaking down olcd vs. new IBR, PAYE, and SAVE rules - including repayment terms like 20‑year repayment at 10% of discretionary incomeStrategic Tax Planning: Using filing status and extensions (especially important in community-property states) to lock in the lowest monthly paymentTimeline Guidance: When key deadlines hit (Aug 1, 2025; July 2026; July 2028) and how to reconcile existing loans within the new REPAY plan frameworkResources MentionedThe Optometry Money Podcast Ep 143: How the Final One Big Beautiful Bill Act Impacts Optometrists – Taxes, Student Loans, and More!Click here to Subscribe to the Eyes On The Money Newsletter for weekly financial insights tailored specifically to optometrists.Have Questions? CLICK HERE to schedule a short introductory callThe Optometry Money Podcast is dedicated to helping optometrists make better decisions around their money, careers, and practices. The show is hosted by Evon Mendrin, CFP®, CSLP®, owner of Optometry Wealth Advisors, a financial planning firm just for optometrists nationwide.

Welcome to another inspiring episode of the Daily Living for Christ podcast, where faith meets daily life and God's presence transforms every moment. In this special follow-up to his live sermon, “The Hidden River: Five Principles of God's Agape and the Spiritual Awakening of Our Age,” Donald E. Coleman shares the deeply personal story of how Daily Living for Christ began in 2020 amid the chaos of the COVID-19 pandemic—a moment perfectly aligned with the hidden movement of God's Agape flowing through our age.Donald takes listeners behind the scenes, revealing how what started as a simple Bible study has grown into a global podcast reaching 78 countries and counting. He unpacks the key principles of God's transformative love, explaining how Agape is not confined to religious services but is an undercurrent—an invisible river of divine presence awakening hearts worldwide.This episode dives into:✅ The global spiritual awakening is moving quietly beneath global turmoil✅ The difference between true spiritual transformation and mere self-modification✅ How science, neuroscience, and Christian tradition converge to reveal God's power✅ Practical steps for embracing daily reflection, meditation, and sacred presence✅ How each of us can become a vessel for God's Agape in a world searching for meaningIf you've ever felt the quiet stirring of something deeper beneath the noise of life, this episode will encourage you to slow down so you can discern God's hidden river of Agape and step into the transformational life He's inviting you to live.➡️ Listen now and discover how the hidden river has always flowed in crisis and continues to flow as part of God's great spiritual awakening in our time."Have Questions, Send us a Message" This podcast is a production of The Center for Biblical Coaching and Leadership. If this episode has been useful or inspiring to you in any way, please share it with someone else. Lastly, please follow the show and write a review.If you want to go deeper on this journey, visit www.tcbcl.org to learn how we're walking this path together through biblical coaching, spiritual formation, and the ROOTED Global Movement.

Send us a textBranding vs Performance Marketing – Mana yang Lebih Penting?Pertanyaan ini sering muncul di benak para pelaku bisnis. Faktanya, menurut survei Nielsen, 59% konsumen Indonesia lebih memilih brand yang mereka kenal dan percaya. Tapi nyatanya, 70% bisnis kecil justru menghabiskan anggaran ke iklan instan yang janji hasil cepat.Masalahnya? Leads memang berdatangan, tapi tanpa branding yang kuat, semua hasil itu sulit bertahan lama. Branding menjadi pondasi untuk membangun cerita, nilai, dan kepercayaan. Performance marketing adalah akselerator dalam mendorong pertumbuhan lebih cepat! Mulailah pahami target market Anda. Bangun cerita brand yang kuat dan siapkan strategi jangka panjang 2–10 tahun ke depan. Yuk, dengarkan episode ini untuk strategi dan insightnya! Klaim Free Local SEO Audit sekarang di https://lbo.toffeedev.com dan cek visibilitas bisnis Anda hari ini.

Welcome to the Daily Living for Christ Podcast with your host, Donald E. Coleman, for an inspiring episode exploring the profound reality of Common Grace and how it fits into God's divine plan for creation. Drawing from his powerful message "The Hidden River: Five Principles of God's Agape, and the Spiritual Awakening of Our Age, he explains how the beauty of neuroscience, human creativity, and acts of kindness are glimpses of God's goodness woven into the fabric of the world.Yet Donald shows why these blessings remain transactional unless they lead back to the true Source: God's Agape revealed in Christ. Learn how all of creation points us toward divine union rather than mere self-improvement—and how believers can honor God's glory in every discovery and insight.➡️ Listen now if you're seeking clarity on how Christianity, science, and personal growth intersect. This episode offers wisdom, encouragement, and a powerful reminder that true transformation flows from God's hidden river of love."Have Questions, Send us a Message" This podcast is a production of The Center for Biblical Coaching and Leadership. If this episode has been useful or inspiring to you in any way, please share it with someone else. Lastly, please follow the show and write a review.If you want to go deeper on this journey, visit www.tcbcl.org to learn how we're walking this path together through biblical coaching, spiritual formation, and the ROOTED Global Movement.

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In this special bonus episode of the Daily Living for Christ podcast, join Donald E. Coleman as he shares a powerful live message preached at The RISE Church in Oceanside, California: “The Hidden River: Five Principles of God's Agape and the Spiritual Awakening of Our Age.”This message shares the DNA of TCBCL and the ROOTED Global Movement.  Donald takes listeners on a journey beneath the noise and chaos of our world, revealing how God's Agape flows like a hidden river, quietly fueling a global spiritual awakening. Drawing from Scriptures like John 3:16, John 17, Romans 12:2, and Ephesians 3:14-19, he explores five profound principles of God's Agape:✅ God's Agape is gracious and available to all—a love that reaches beyond all boundaries and divisions.✅ Agape is relational and seeks unity, inviting hearts into deep connection and community.✅ Agape is transformational, reshaping lives from the inside out and sparking creativity and innovation.✅ We choose how deeply to receive Agape, determining whether we merely observe awakening or participate in it.✅ We can cultivate receptivity to Agape through prayer, worship, and spiritual practices that open the soul to God's transforming presence.In this message, Donald calls people to recognize the hidden river of divine love flowing beneath global unrest and personal struggles—a persistent current drawing humanity back to its true Source.If you've ever felt a longing for deeper meaning, divine connection, or spiritual renewal, this episode will awaken you to the reality that God's love is not distant—it's flowing right beneath your feet, ready to carry you into a new life.➡️ Listen now and discover how to step into the hidden river of God's Agape and become part of the spiritual awakening unfolding in our time. ➡️ As an added bonus, download the article "The Hidden River: Five Principles of God's Agape and the Spiritual Awakening of Our Age. "Have Questions, Send us a Message" This podcast is a production of The Center for Biblical Coaching and Leadership. If this episode has been useful or inspiring to you in any way, please share it with someone else. Lastly, please follow the show and write a review.If you want to go deeper on this journey, visit www.tcbcl.org to learn how we're walking this path together through biblical coaching, spiritual formation, and the ROOTED Global Movement.

What does it mean to truly live in unbroken fellowship with God, beyond emotions, beyond ritual, and into the vibrant reality of His presence every day?In this episode of the Daily Living for Christ podcast, Donald E. Coleman takes listeners deep into Hebrews 10:20-21, unveiling the mystery and power of “The New and Living Way” made possible through Jesus Christ. Donald shares how Christ's sacrifice opened a fresh path to direct access with God, transforming the journey from ritualistic religion into an intimate, daily relationship.Drawing on insights from the Prodigal Son to the High Priestly ministry of Jesus, Donald explains that true fellowship with God is not achieved by striving or emotional highs but through the finished work of Christ and the presence of the Holy Spirit. He emphasizes that believers are called to live moment by moment in God's presence, experiencing love, peace, and joy as the Fruit of the Spirit that overflows for others.This episode explores:✅ How Jesus the Great High Priest bridges the gap between humanity and God✅ The practical meaning of the living and active Word becoming flesh in believers' lives✅ Why silence is a sacred language in cultivating God's presence✅ The truth that believers are a royal priesthood, called to declare God's praise and live in divine lightIf you're ready to move beyond knowing about God to living daily in His manifest presence, this teaching is for you.➡️ Listen now and discover how to walk boldly in the new and living way that Christ has paved, so you can live on earth as it is in heaven."Have Questions, Send us a Message" This podcast is a production of The Center for Biblical Coaching and Leadership. If this episode has been useful or inspiring to you in any way, please share it with someone else. Lastly, please follow the show and write a review.If you want to go deeper on this journey, visit www.tcbcl.org to learn how we're walking this path together through biblical coaching, spiritual formation, and the ROOTED Global Movement.

Come on Over has officially gone video! Same sibling chaos, now with set design, props, visual aids, and real-time Mauro madness—filmed at Holy Cow Productions in Chicago. Jeff and Emily break down the top changes with the podcast's fabulous new glow-up and recap their wild weeks. They also honor Jeff's dear friend, Anne Burrell with stories and clips from her hilarious past appearance. Come hang at the virtual Mauro dinner table—now in glorious HD.   Subscribe to Come On Over's Youtube Channel and WATCH this episode! This episode was produced by Holy Cow Productions - a full-service content production house built to turn ideas into impact. Subscribe to Jeff's Sandwich Kingdom Youtube channel! Have Questions? Send yours to askjeff@comeonover.com! Subscribe to The Jewel Bag's Youtube Channel!  

In this episode of The Western Rookie podcast, Brian Krebs hosts a packed conversation featuring Dean Krebs, Tad Johnson, and Collin Fountain from the newly formed North American Pronghorn Foundation (NAPF). Together, they dive deep into why pronghorn needed their own conservation group, the unique challenges these animals face, and the exciting projects NAPF has planned to protect and enhance pronghorn populations across the West. Key topics discussed: Why pronghorn are uniquely impacted by fencing and what NAPF is doing to help. The surprising biological needs of pronghorn compared to mule deer and other western wildlife. Insights into the huge impact severe winters and infrastructure have on pronghorn migrations. The critical importance of wildlife corridors and fence modifications to pronghorn survival. Specific, actionable ways listeners can support and get involved with pronghorn conservation. Ready to help make a difference for pronghorn? Head over to pronghorns.org today to join as a member, explore volunteer opportunities, or grab some NAPF merch to show your support. Follow @NAPF_official on Instagram and help spread the word to protect these iconic western animals! FREE Western Rookie Application Calendar www.westernrookie.com/freeproducts  Connect with Brian Krebshttps://linktr.ee/thewesternrookie  Have Questions or Comments? Send an email to Brian@westernrookie.com! Sponsors and Discounts: GOHUNT Insider - $50 Gear Shop Credit with code WESTERN https://alnk.to/g3aa8L4 GOHUNT Gear Shop – 10% off most items with code WESTERN https://alnk.to/e75Pm4u RTIC Coolers – Keep Your Meat Cold!https://bit.ly/RTICCoolers Okuma Fishing – Rods and Reels for Serious Anglers!https://alnk.to/31sVDzF First Month FREE at MTNTOUGH Fitness with code ROOKIE  https://bit.ly/MTNTOUGH_ROOKIE Save $150 on Steelhead Outdoors Gun Safes with code WESTERNROOKIE https://tr.ee/fbNvbFXX6Q Save10% on Maverick Hunting Blinds & Accessories with code WESTERNROOKIE https://tr.ee/vWHcxHKo4uSave 10% on Ollin Digiscoping Adapters with code TWOBUCKS https://tr.ee/ZE1XcQ-fbbSave 20% on your first order at Bull Elk Beard Oil with code TWOBUCKS https://tr.ee/X4mp2wWCRK Learn more about your ad choices. Visit megaphone.fm/adchoices

Click HERE to learn how to earn $10K/month in rental income & access 50% discount on RTR AcademyThis episode is sponsored by…PPR CAPITAL:Build long-term wealth through passive real estate investing with PPR's income and opportunity funds: https://pprcapitalmgmt.com/renttoretirementLooking to grow your wealth with less hassle and more predictability? In this special episode of the Rent To Retirement Podcast, hosts Adam Schroeder and Zach Lemaster bring you an exclusive webinar with PPR Capital Management—a powerhouse in passive investing through real estate-backed mortgage notes and innovative commercial assets like Tommy's Car Washes.Learn how seasoned investors are achieving 8–14%+ annual returns with asset-backed strategies that require no property management or syndication risk. Discover how PPR structures its funds, minimizes risk through massive diversification, and why institutional investors are getting on board.Whether you're a seasoned investor or looking for your next hands-off strategy, this episode breaks it all down for you.⏱️ Timestamps:00:00 - Intro: Active vs. Passive Wealth Building01:45 - Why Turnkey Investors Should Consider Notes04:00 - Meet PPR Capital Management07:00 - What Are Mortgage Notes & How They Work13:45 - Liquidity & Diversification Explained17:00 - How PPR Makes Money on Non-Performing Loans19:10 - Real-World Case Studies: Note Turnarounds23:00 - Trade Snapshot: $34M in Realized Gains26:00 - PPR's Commercial Real Estate Strategy30:00 - Investing in Tommy's Car Washes for Higher Returns34:45 - Car Wash ROI, Subscriptions & Exit Strategy36:15 - Fund Structures & Investment Minimums40:00 - Compounding Options & Strategy Tips44:30 - Risk Mitigation & Fund Strength Explained48:00 - Why Fund Diversification Beats Syndications50:00 - Final Thoughts & How to Get Started

Click HERE to learn how to earn $10K/month in rental income & access 50% discount on RTR AcademyThis episode is sponsored by…PPR CAPITAL:Build long-term wealth through passive real estate investing with PPR's income and opportunity funds: https://pprcapitalmgmt.com/renttoretirementLooking to grow your wealth with less hassle and more predictability? In this special episode of the Rent To Retirement Podcast, hosts Adam Schroeder and Zach Lemaster bring you an exclusive webinar with PPR Capital Management—a powerhouse in passive investing through real estate-backed mortgage notes and innovative commercial assets like Tommy's Car Washes.Learn how seasoned investors are achieving 8–14%+ annual returns with asset-backed strategies that require no property management or syndication risk. Discover how PPR structures its funds, minimizes risk through massive diversification, and why institutional investors are getting on board.Whether you're a seasoned investor or looking for your next hands-off strategy, this episode breaks it all down for you.⏱️ Timestamps:00:00 - Intro: Active vs. Passive Wealth Building01:45 - Why Turnkey Investors Should Consider Notes04:00 - Meet PPR Capital Management07:00 - What Are Mortgage Notes & How They Work13:45 - Liquidity & Diversification Explained17:00 - How PPR Makes Money on Non-Performing Loans19:10 - Real-World Case Studies: Note Turnarounds23:00 - Trade Snapshot: $34M in Realized Gains26:00 - PPR's Commercial Real Estate Strategy30:00 - Investing in Tommy's Car Washes for Higher Returns34:45 - Car Wash ROI, Subscriptions & Exit Strategy36:15 - Fund Structures & Investment Minimums40:00 - Compounding Options & Strategy Tips44:30 - Risk Mitigation & Fund Strength Explained48:00 - Why Fund Diversification Beats Syndications50:00 - Final Thoughts & How to Get Started

What do you do when the child you raised with love becomes controlling, entitled, or abusive as an adult? In this heartfelt and eye-opening episode, Laurel Slade-Waggoner is joined again by Dr. David Clarke to tackle one of the most heartbreaking dynamics many parents face: navigating a relationship with an adult narcissistic child. Together, they offer biblical wisdom, righteous anger, practical strategies, and compassionate validation for parents dealing with verbal abuse, triangulation, financial manipulation, unlaunched adult children, and more. They also unpack: What to do if your adult child mirrors a narcissistic ex-spouse How to lovingly set boundaries without self-shame Why tough love is biblical love The difference between being responsible to vs. for your child When (and how) to stop enabling—and start healing The power of strategic truth statements and righteous anger Whether you're parenting through grief, guilt, or gaslighting, this episode will equip and encourage you to stand strong, walk wisely, and release what's not yours to carry. There is help, and there is hope.

Questions? Thoughts? Send a Text to The Optometry Money Podcast!Are individual bonds better than bond funds? What's the actual difference between the two—and why does it matter for your investment strategy?In this episode, Evon Mendrin, CFP®, CSLP®, dives into the key distinctions between individual bonds and bond funds, and what private practice optometrists need to consider when deciding between them. Whether you're aiming for stability, income, or long-term growth in your portfolio, understanding how these investment tools work can guide better financial decisions.In this episode, you'll learn:What a bond actually is and how it functionsThe key differences between owning individual bonds and investing in bond fundsThe pros and cons of each approachWhy “safety” in bonds can be misunderstoodHow market interest rates affect the value of your bonds or bond fundsWhen it may make sense to use one over the other in your financial planResources mentioned:Vanguard: Individual Bonds vs. Bond FundsVanguard: Taxable Bond Investing - Bond Fund vs. Individual BondsUS Treasury DirectS&P Dow Jones: The Hidden Costs of Retail Purchases in Investment Grade Municipal BondsA Wealth of Common Sense Blog: Owning Individual Bonds vs. A Bond FundRelated Episodes:Podcast Ep 58: Investing Fundamentals – Understanding Stocks, Bonds, Mutual Funds, and ETFsEp 134: The Case for Index Funds – Why Optometrists Should Embrace Passive InvestingStay Connected:Click here to Subscribe to the Eyes On The Money Newsletter for weekly financial insights tailored specifically to optometrists.Have Questions? CLICK HERE to schedule a short introductory callThe Optometry Money Podcast is dedicated to helping optometrists make better decisions around their money, careers, and practices. The show is hosted by Evon Mendrin, CFP®, CSLP®, owner of Optometry Wealth Advisors, a financial planning firm just for optometrists nationwide.

Jeff and Emily team up with Mike Carioscia from the Hardcore Italians Podcast for the most hilariously over-the-top Italian American mashup ever recorded. Be prepared to laugh and have fun with this fusion of Italian American brands. From cultural quirks to the mystery of fair-skinned Italians, no topic is off-limits in this spicy fusion of two iconic Italian American brands. Mangia this up—you don't wanna miss it! Watch this whole episode on the Come On Over YouTube Channel!

Welcome to the Daily Living for Christ podcast, where biblical truth meets spiritual transformation in everyday life. We're excited to welcome new listeners from the United Arab Emirates—thank you for joining the global journey of those seeking to live fully in God's presence!In this episode, Donald E. Coleman continues the powerful series on Hebrews 10:19-25, focusing on verse 19 and the bold access we now have through the blood of Jesus. This teaching explores how the veil has been torn and how every believer can now live in unbroken fellowship with God.Donald also introduces insights from neurotheology, showing how centering prayer and spiritual practices not only draw us closer to God but also rewire our brains for peace, purpose, and presence. You'll learn how these four blessings—boldness, unity, transformation, and encouragement—can shape your daily rhythm and deepen your relationship with God.

Questions? Thoughts? Send a Text to The Optometry Money Podcast!Enjoy this rewind of a popular episode! In Part 3 of a 3 part series, Evon dives into the many financial planning considerations optometrists need to think about when you own a more established, mature private optometry practice - both inside the business and in the household.A few of the planning topics practice owners should think about are:Maintaining your vision for the ideal practice and ownership lifeBuilding guardrails around your practice based on your ideal lifestyleCreate a separation between your practice and personal financesCreate a framework for deciding how to best use the cash flow your practice createsGetting the most from your practice retirement plansPlanning for financial independence and retirementBalancing the growth of different parts of your net worth over timeRisk management, contingency planning in the practice, and estate planningKeep an eye on the other financial goals in your life outside the practiceKeeping in close contact with your professionals. Have questions on anything discussed or want to have topics or questions featured on the show? Send Evon an email at evon@optometrywealth.com.Check out www.optometrywealth.com to get to know more about Evon, his financial planning firm Optometry Wealth Advisors, and how he helps optometrists nationwide. From there, you can schedule a short Intro call to share what's on your mind and learn how Evon helps ODs master their cash flow and debt, build their net worth, and plan purposefully around their money and their practices. Resources mentioned on this episode:Refractional CFO - Jackson Pace, CPASimple Numbers, Straight Talk, Big Profits! by Greg Crabtree and Beverly Blair HarzogRelated Episodes:The Optometry Money Podcast Ep 64: How to Invest Six Digits A Year Into Your Practice Retirement Plans with Matt RuttenbergThe Optometry Money Podcast Ep 68: Financial Planning Considerations When Preparing for Practice OwnershipThe Optometry Money Podcast Ep 69: Financial Planning Considerations for the Early Years of Practice OwnershipStay Connected:Click here to Subscribe to the Eyes On The Money Newsletter for weekly financial insights tailored specifically to optometrists.Have Questions? CLICK HERE to schedule a short introductory callThe Optometry Money Podcast is dedicated to helping optometrists make better decisions around their money, careers, and practices. The show is hosted by Evon Mendrin, CFPThe Optometry Money Podcast is dedicated to helping optometrists make better decisions around their money, careers, and practices. The show is hosted by Evon Mendrin, CFP®, CSLP®, owner of Optometry Wealth Advisors, a financial planning firm just for optometrists nationwide.

RTR Academy:"Click HERE to learn how to earn $10K/month in rental income & access 50% discount on RTR AcademyThis episode is sponsored by…NCH:Set up an LLC to protect your investments! – https://nchinc.com/rtrIGNITE FUNDING: Earn 10%-12% fixed annual returns backed by real property, without the hassle of owning and managing rentals.https://lp.ignitefunding.com/2025/5mis-rtr/signup/?sl=rtr&utm_source=rtr&utm_medium=podcast&utm_content=podcast_1In this episode of the Rent To Retirement Podcast, hosts Adam Schroeder and Zach Lemaster sit down with Saheed, an investor who went from being an "accidental landlord" to confidently purchasing out-of-state real estate for long-term wealth. Saheed shares how he transitioned from local property ownership in Pennsylvania to buying turnkey new construction rentals in South Carolina through Rent To Retirement's Academy.Learn how Saheed overcame family doubts, job demands, and analysis paralysis — and how he increased his rent income beyond expectations while securing long-term financial freedom.⏱ Timestamps:00:00 – Intro: Meet Saheed00:45 – How an accidental landlord journey began02:10 – Saheed's first rental experience & cash flow results03:00 – Why local markets no longer worked05:05 – Discovering Rent To Retirement's turnkey model06:30 – Academy perks & Saheed's decision to join08:15 – Buying his first out-of-state property in South Carolina10:20 – Real rent numbers: $1,995 instead of $1,775!12:00 – Why quality property management is worth it14:15 – How mindset & planning helped him act fast15:30 – Building generational wealth through rentals18:50 – Dealing with family skepticism about out-of-state investing21:00 – Visiting the property & winning spouse approval24:10 – Why Saheed chose new construction rentals26:20 – Advice to his past self (and new investors!)28:07 – How Rent To Retirement helped negotiate better deals✅Ready to start your own real estate journey?

RTR Academy:"Click HERE to learn how to earn $10K/month in rental income & access 50% discount on RTR AcademyThis episode is sponsored by…NCH:Set up an LLC to protect your investments! – https://nchinc.com/rtrIGNITE FUNDING: Earn 10%-12% fixed annual returns backed by real property, without the hassle of owning and managing rentals.https://lp.ignitefunding.com/2025/5mis-rtr/signup/?sl=rtr&utm_source=rtr&utm_medium=podcast&utm_content=podcast_1In this episode of the Rent To Retirement Podcast, hosts Adam Schroeder and Zach Lemaster sit down with Saheed, an investor who went from being an "accidental landlord" to confidently purchasing out-of-state real estate for long-term wealth. Saheed shares how he transitioned from local property ownership in Pennsylvania to buying turnkey new construction rentals in South Carolina through Rent To Retirement's Academy.Learn how Saheed overcame family doubts, job demands, and analysis paralysis — and how he increased his rent income beyond expectations while securing long-term financial freedom.⏱ Timestamps:00:00 – Intro: Meet Saheed00:45 – How an accidental landlord journey began02:10 – Saheed's first rental experience & cash flow results03:00 – Why local markets no longer worked05:05 – Discovering Rent To Retirement's turnkey model06:30 – Academy perks & Saheed's decision to join08:15 – Buying his first out-of-state property in South Carolina10:20 – Real rent numbers: $1,995 instead of $1,775!12:00 – Why quality property management is worth it14:15 – How mindset & planning helped him act fast15:30 – Building generational wealth through rentals18:50 – Dealing with family skepticism about out-of-state investing21:00 – Visiting the property & winning spouse approval24:10 – Why Saheed chose new construction rentals26:20 – Advice to his past self (and new investors!)28:07 – How Rent To Retirement helped negotiate better deals✅Ready to start your own real estate journey?

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Questions? Thoughts? Send a Text to The Optometry Money Podcast!Dividend investing is one of the most passionately followed strategies online - yet much of the enthusiasm is driven by misunderstandings of how dividends work. In this episode, Evon Mendrin, CFP®, CSLP® of Optometry Wealth Advisors, dives deep into how dividends actually work, why they aren't “free money,” and what ODs need to understand before chasing high-dividend stocks or funds - especially in taxable accounts. He also explores when, despite all of this, a dividend-focused approach might still be rational for the right investor.In this episode, you'll learn:What dividends actually are and how they function within public companies and your own optometry practice.Why dividends aren't “extra” return, and how stock prices adjust for them.The real-world tax consequences of dividends - especially in taxable brokerage accounts.Why fewer companies pay dividends today, and how stock buybacks often take their place.How dividend investing can actually reduce diversification and tilt your portfolio away from global opportunities.What explains the performance of dividend-heavy portfolios (spoiler: it's not the dividends).Why “I need X in dividends to retire” is a myth, and how to think about withdrawals and cash flow instead.When a dividend strategy can make sense - despite being suboptimal on paper.Resources mentioned:Dimensional's Research on Dividend Price AdjustmentsMeb Faber's “Shareholder Yield” BookBen Felix Video on Dividend InvestingRelated Episodes:Ep 135: Beyond Indexing – An Optometrist's Guide to Factor-Based InvestingEp 134: The Case for Index Funds – Why Optometrists Should Embrace Passive InvestingStay Connected:Click here to Subscribe to the Eyes On The Money Newsletter for weekly financial insights tailored specifically to optometrists.Have Questions? CLICK HERE to schedule a short introductory callThe Optometry Money Podcast is dedicated to helping optometrists make better decisions around their money, careers, and practices. The show is hosted by Evon Mendrin, CFP®, CSLP®, owner of Optometry Wealth Advisors, a financial planning firm just for optometrists nationwide.

Why do so many Christians know the gospel but still feel distant from God's presence?In this transformative episode of the Daily Living for Christ podcast, Donald E. Coleman unpacks the profound difference between the Logos—the eternal Word made flesh—and the gospel, the good news of what the Logos has done. Drawing from John 1:1, 14 and Hebrews 10:19–25, He invites listeners into a deeper understanding of Christ's indwelling presence and how it makes unbroken fellowship with God not only possible—but essential.This is not just a call to believe; it is a call to live in the continual presence of God. Donald shares from his personal journey of spiritual dryness to experiencing daily communion with the Father. Discover how to move from doing Christianity to being Christian, from occasional encounters to constant abiding.

Sponsor Jen's Podcast Studio on Amazon: ⁠https://www.amazon.com/registries/gl/guest-view/3IUDY7FXVZH2C⁠-----------------------------------------------Your Delay Is Not a Detour: It's a Slingshot for the Calling You Can't See Yet w/ Author Staci WallaceAre you stuck in a season that feels like delay, silence, or setback? You're not alone. In this powerful conversation with Staci Wallace—faith-driven CEO, author, and founder of Fueled by Fire—we unpack how God often uses delay as divine preparation.From overcoming a deadly diagnosis and losing her home, to scaling multimillion-dollar companies and raising world-changers, Staci shares how the slingshot seasons—the suffering, sacrifice, and silence—were actually building momentum for her greatest breakthroughs.We also dive into:How to overcome self-doubt and stop believing the lies holding you backWhy so many women play small and how to break freeHow to hear God's voice in your business, finances, and callingWhat extravagant generosity really looks like in Kingdom entrepreneurshipIf you've been waiting on your promise and wondering if God forgot—this episode will remind you: your delay is not a detour. It's preparation for the calling you can't yet see.

To learn more about the limited time, 50% discount on RTR Academy program, click https://bit.ly/rtracademyThis episode is sponsored by…BAM Capital:Get access to premium real estate assets with BAM Capital. Rent to Retirement's preferred multifamily partner. https://bamcapital.com/rtr/PPR CAPITAL:Build long-term wealth through passive real estate investing with PPR's income and opportunity funds: https://pprcapitalmgmt.com/renttoretirementIn this episode of the Rent To Retirement Podcast, hosts Adam Schroeder and Zach Lemaster sit down with Tony J. Robinson, co-host of the Real Estate Rookie Podcast and one-half of the Real Estate Robinsons.Tony shares how he went from a busy W-2 job to building a 15-property short-term rental portfolio in just one year, even during the uncertainty of 2020. From BRRRRs to boutique hotels, Tony breaks down the mindset, strategies, and partnerships that fueled his rapid growth in real estate.

To learn more about the limited time, 50% discount on RTR Academy program, click https://bit.ly/rtracademyThis episode is sponsored by…BAM Capital:Get access to premium real estate assets with BAM Capital. Rent to Retirement's preferred multifamily partner. https://bamcapital.com/rtr/PPR CAPITAL:Build long-term wealth through passive real estate investing with PPR's income and opportunity funds: https://pprcapitalmgmt.com/renttoretirementIn this episode of the Rent To Retirement Podcast, hosts Adam Schroeder and Zach Lemaster sit down with Tony J. Robinson, co-host of the Real Estate Rookie Podcast and one-half of the Real Estate Robinsons.Tony shares how he went from a busy W-2 job to building a 15-property short-term rental portfolio in just one year, even during the uncertainty of 2020. From BRRRRs to boutique hotels, Tony breaks down the mindset, strategies, and partnerships that fueled his rapid growth in real estate.

This Full Moon Focus dives deep into the topic of this lunar cycle: the Spell Crafter path. We begin with meditation fundamentals, to build a good foundation of focus and clarity that are a key component of any spell work.

What does it really mean to live in the divine presence of God—daily, confidently, and without interruption?In this powerful episode of Daily Living for Christ, Donald E. Coleman provides an overview of twelve points revealed in the truth of Hebrews 10:19–25, unveiling how Jesus' finished work makes unbroken fellowship with God not only possible but essential. He discusses why many believers still struggle to experience God's presence despite their religious practices—and how true transformation comes from living by the inner life of Christ.This conversation invites you to step beyond routine and into the reality of bold, sustained communion with God. Learn how the Logos became flesh, how love provokes transformation, and how the marks of a true believer are lived out not in striving, but in surrender.➡️ Download the episode now and discover the power of drawing near to God with boldness, love, and unshakable faith."Have Questions, Send us a Message" This podcast is a production of The Center for Biblical Coaching and Leadership. If this episode has been useful or inspiring to you in any way, please share it with someone else. Lastly, please follow the show and write a review.If you want to go deeper on this journey, visit www.tcbcl.org to learn how we're walking this path together through biblical coaching, spiritual formation, and the ROOTED Global Movement.

Questions? Thoughts? Send a Text to The Optometry Money Podcast!As a private optometry practice owner, one of the most essential yet misunderstood financial decisions is figuring out how much to pay yourself. In this episode, Evon Mendrin dives into seven critical factors to consider when setting your own compensation from your optometry practice—especially if you're taxed as an S Corporation. Whether you're just getting started or running a thriving, established practice, this episode will help you balance tax strategy, financial planning, and long-term wealth-building with clarity and confidence.You'll learn:How income draws differ based on how your practice is taxed (sole proprietor, partnership, or S-corp)Why paying yourself “too little” can backfire with the IRSHow your wage affects your Social Security benefits, QBI deduction, and retirement plan contributionsThe surprising ways your compensation impacts practice valuations and financial planningHow to align your income with your lifestyle and financial goalsResources Mentioned:Independent Strong Article: How to Pay Yourself – Key Factors for Setting Your Owner CompensationIRS Guidance on Reasonable Compensation for S CorpsRelated Episodes:The Optometry Money Podcast Ep 51: An Optometrist's Guide to the Qualified Business Income DeductionThe Optometry Money Podcast Ep. 49: An Optometrist's Guide to Business EntitiesStay Connected:Click here to Subscribe to the Eyes On The Money Newsletter for weekly financial insights tailored specifically to optometrists.Have Questions? CLICK HERE to schedule a short introductory callThe Optometry Money Podcast is dedicated to helping optometrists make better decisions around their money, careers, and practices. The show is hosted by Evon Mendrin, CFP®, CSLP®, owner of Optometry Wealth Advisors, a financial planning firm just for optometrists nationwide.

Join Jen's 4-Day Challenge to Create your Magnetic Podcast Identity: https://jsamuelconsulting.samcart.com/products/4-day-challenge-podcast-identity--------------------------------------Have you ever felt like you're waiting on God—but deep down, you know something else is holding you back?In this powerful message, Jenilee Samuel exposes 6 common lies that many Christians believe—lies that sound spiritual but secretly sabotage our obedience, momentum, and fruitfulness. Whether it's fear of missing God's will, waiting for a sign, or believing you're not ready, these lies keep us paralyzed when God is actually calling us to move.Through biblical truth, personal story, and practical tools, you'll discover how to break free from spiritual-sounding excuses and start walking boldly in your calling. Because faith doesn't freeze—it moves.Stop over-spiritualizing inaction. Start multiplying what God put in your hands.---------------------------------------• Get Jen's "Hearing God's Voice for Everyday Life" 30-day Journal that was created for YOU on Amazon! : : ⁠⁠https://a.co/d/6aea4Dg⁠⁠

This episode is sponsored by…FIGURE:Access your home equity in minutes—no refinance needed! go.figure.com/renttoretirementAre you sitting on thousands in home equity—but unsure how to access it without sacrificing your low mortgage rate? In this episode, Zach Lemaster sits down with Tim Rowen, Director of Sales Success at Figure, to dive deep into a powerful wealth-building tool: HELOCs (Home Equity Lines of Credit) for investment properties.Learn how investors are scaling faster by tapping into equity without the pain of a refinance. Figure's tech-driven platform makes it easy, fast, and flexible—giving real estate investors access to capital they can use strategically.

Navigating a toxic work environment? In this insightful and practical episode, Laurel tackles the complex challenges of dealing with narcissistic bosses, colleagues, and subordinates. Drawing on biblical wisdom, clinical experience, and her own personal journey, Laurel explores the difference between healthy and unhealthy narcissism in the workplace—and the profound impact toxic individuals can have on organizations and those who work with them. You'll learn: - How to identify narcissistic behaviors and red flags at work - The psychological and emotional toll workplace narcissists inflict - Strategies to set healthy boundaries, document interactions, and protect your well-being - The importance of recognizing your own vulnerabilities and codependent tendencies - When and how to involve HR or seek organizational accountability - Biblical principles and practical steps for confronting, coping, or determining when it's time to move on This episode includes powerful scripture reflections, a healing activity to help you review your career path, and a closing prayer for all who face toxic work dynamics. -----

This episode is sponsored by…BLUPRINT HOME LOANS:Get pre-approved with one of RTR's preferred lenders at https://bluprinthomeloans.com/renttoretirement/ REALSOURCE RESIDENTIAL:Invest in multifamily opportunities in the best markets! https://realsourceresidential.com/rtrIn this must-watch episode of the Rent To Retirement podcast, hosts Adam Schroeder and Zach Lemaster break down the real estate trends, loan strategies, and major tax advantages that savvy investors need to know about in 2025.

Ever felt like your faith was hanging by a thread—but you were too afraid to say it out loud?In this episode, I sit down with author, speaker, and spiritual guide Niki Hardy to talk about her newest book, God, Can We Chat?, and the freedom we find when we stop pretending everything's fine and bring our real questions to God.After walking through deep grief, spiritual burnout, and what she calls “death by a thousand paper cuts,” Niki realized that asking hard questions didn't mean she was losing her faith—it meant she was fighting for it.Together, we unpack:Why your doubts aren't dangerous—but actually essential to real faithHow to ask God hard questions without fear, guilt, or shameThe 5 lies we believe that keep us from honest conversations with GodThe CHAT framework to help you process pain with God (and not just about Him)Why Jesus gives you permission to wrestle, grieve, and not have it all figured outWhether you're grieving, burnt out, or secretly scared you're losing your faith—this conversation will remind you that God welcomes your questions and walks with you through the mess.✨ Quote to Remember:“God isn't intimidated by your questions—He's already holding space for them.”

In Ep. #142: New Moon Brew we begin our journey into Spell Crafter! This episode is also filled with hands-on ways to get witchy, including celestial happenings, resistance ideas, and a check-in to our witchy book club. Check out the resource cards in this post for more info!

This episode is sponsored by…NCH:Set up an LLC to protect your investments! – https://nchinc.com/rtrAre you leaving money on the table as a real estate investor?

Motherhood is full of joy, but it can also be incredibly isolating. In this heartfelt conversation, Jenilee Samuel and author Kristen Strong dive deep into the challenges of adult friendships—especially for mothers who often feel lonely and disconnected. Kristen shares practical advice from her book, In Desperate Woman Seeks Friends, helping women build lasting, meaningful friendships despite life's complexities.If you've ever felt like you're giving everything to your family and have nothing left to offer your friends—or if you've struggled to find real, supportive connections—you're not alone. Kristen and Jenilee tackle the pain points of friendship in this episode, offering real solutions to help you build a supportive community that uplifts you as much as you uplift others.In this episode, you'll discover:Why many mothers feel isolated, especially in the postpartum season.How to intentionally nurture friendships, just like any other important relationship.The power of vulnerability in forming deep, lasting connections.How to balance the demands of family with maintaining meaningful friendships.Why church and serving others can be powerful pathways to connection.How to set healthy boundaries in friendships and recognize when they've become one-sided.Why faith plays a crucial role in strengthening relationships with friends.Kristen's personal journey and wisdom will encourage you to embrace vulnerability, set boundaries, and prioritize your friendships—without guilt. Whether you're navigating mom guilt, postpartum loneliness, or just the challenge of making time for friends, this episode has the tools you need to cultivate the authentic, meaningful friendships you deserve.Timestamps:00:00 - The Importance of Friendship in Motherhood02:53 - Kristen Strong's Journey and Insights04:55 - Challenges of Making Friends as Adults08:06 - The Role of Vulnerability in Friendships10:49 - Navigating One-Sided Friendships13:47 - The Impact of Church on Friendships16:14 - Research Findings on Friendship Dynamics16:29 - Serving as a Pathway to Friendship20:20 - Small Gestures, Big Impact21:58 - Cultivating Meaningful Friendships24:02 - The Importance of Showing Up26:21 - Navigating Mom Guilt29:39 - Overcoming Social Barriers33:37 - The Heart Behind Friendship37:16 - Friendship for All SeasonsJoin the conversation and learn how to break through the loneliness of motherhood by creating friendships that bring joy, support, and balance into your life. You don't have to do it alone.Hit play to listen now!---------------------------------------• Get Jen's "Hearing God's Voice for Everyday Life" 30-day Journal that was created for YOU on Amazon! : : ⁠https://a.co/d/6aea4Dg⁠