Podcasts about Invitation

First of all, I'd like to give a shout-out to our previous guest, Mike Fisher, for connecting me with Grant Muller, who you're about to hear from today.And what a story you're about to discover!Do you know what it's like to passionately want something - to fall in love with somebody - and not be able to express it because society says it's wrong? To suppress and bury who you really are and what you really feel just to try to fit in and not become a target?Somewhere along the line, you were given core values, like integrity, but without any framework for what "integrity" means. What is integrity? Does it mean you boldly live your authentic life and use it as a driver to make the world a better place, or that you figure out how to fit in and do what you're supposed to for the good of the collective?Society teaches us values, but it doesn't show us what they really mean. Part of the social contract is that you agree it's okay, that it's "fine" - but fine is a four-letter word.As an immigrant from South Africa in the 1980s, Grant Muller struggled to fit in after his family immigrated to the United States. So he buried his beautiful native accent and did what everybody else was doing just to avoid getting picked on. As a teenager in the 1980s, he fell passionately in love with his male best friend. In those days, you just didn't admit to that. In order to cope with his feelings, Grant found a new lover - alcohol. This led to more love affairs, first cigarettes, then eventually cocaine. Outwardly he was successful, becoming a millionaire by age 28, and when he got fired, he figured he'd just retire and party for the rest of his life.Until the check bounced and he found out all the money was gone.Before you know it, Grant was sleeping on people's couches, getting into worse trouble, and soon facing four long, arduous years in prison!In a moment, when you meet Grant, you'll walk beside him as he tells you more about his rapid decline from the top of the mountain to the depths of the darkest valley.He had to do one of the most courageous things a person can ever fathom. And in painfully struggling to rebuild, Grant found the friend of a lifetime who reached into his world and showed him a new point of view.In short, Grant had to step out of the clusterfuck of fear, regret, and disappointment and into a new, powerful place of peace and contentment.Grant's hype song is "Edge of Seventeen" by Stevie Nicks.Resources:Grant Muller's website: https://www.grantmuller.com/Claim your copy of Grant's book here: http://www.buytopofheart.comLinkedIn: https://www.linkedin.com/in/thegrantmuller/Facebook: https://www.facebook.com/TheGrantmuller/Instagram: https://www.instagram.com/thegrantmuller/Also, check out Mike Fister's appearance on Fine is a 4-Letter Word by clicking here.Invitation from Lori:Like Grant, if, up until now, you've called your life a nightmare, a clusterf*ck, or a dumpster fire... you've been living in chaos for long enough. It's time to let go of frenzy and lean...

The deep water series is a profound exploration of our yearning for a deeper and more intimate connection with the Lord. It's the journey to go beyond the surface of our practices, to dive deep into the spiritual waters that nourish our souls. This spiritual journey is precisely what Kristin and David are delving into as they explore the invitation to dive into the deep waters of connecting with Christ.   Kristin and David emphasize that this is a journey of relationship. As in any other relationship, time, effort, and dedication are required. Without investing in it ourselves, we cannot expect to understand and connect with God on a deep level.    This series is extending a heartfelt invitation to experience something beyond the ordinary. It's an invitation to feel the divine presence in the depths of our souls, to know God intimately, and to allow Him to know us in return. It's about experiencing a connection that is transformative and life-changing.   As the conversation between Kristin and David unfolded, one thing became abundantly clear: this journey is not a destination but a continuous pursuit. It's about embracing the unknown and being open to the mysteries of faith. David's experience as a life development and spiritual growth coach provides listeners with knowledge, experience, and a beacon of hope that a deeper connection with the Lord is the first step to diving into deep waters.    Connect with David Smith https://www.kingdomcoachinginstitute.com/   Love what we are doing here on Wholistic Hearts, here are three ways to help us spread this Good News Share with a friend! Leave a review! And buy me a coffee.  https://www.buymeacoffee.com/kchadwick

In this episode, Sandeep Nijhawan and Quoc Pham, founders of the startup Electra, talk to Cody about tackling the complex issue of steel decarbonization. Steel production is a formidable contributor to global emissions, accounting for nearly four gigatons annually, equivalent to approximately 8-10% of total global emissions. To put it in perspective, if steel were its own country, its annual emissions would rank third globally, following only China and the USA.The conversation dives into the intricacies of current steel production, shedding light on how the US approach differs from much of the world. The US has a head start on the path toward steel decarbonization, featuring fewer coal-based blast furnaces and substantial installed electric arc furnace capacity. The episode also explores various pathways for steel decarbonization, including point-source carbon capture and hydrogen utilization, and introduces Electra's pioneering electrochemistry method. Electra announced an $85 million funding round in Q4 2022, with participation from renowned climate tech investors and industry leaders, including Breakthrough Energy Ventures, Amazon, and many more. Sandeep and Quoc are tackling one of the hardest problems in climate change head on. Time will tell if it works, but they certainly aren't shying away from the challenge.In this episode, we cover: [03:44]: Sandeep's background[08:01]: Quoc's background[15:38]: Overview of steel production and emissions[22:20]: Overview of supply chain and integrated steelworks concept[25:09]: Why the US is a leader in low carbon intensity steelmaking[30:50]: Contrasting McKinsey's roadmap with Electra's approach  [34:22]: Environmental and safety risks of traditional iron tailings[37:10]: Electra's unique approach to the steel decarbonization problem[44:24]: How low-cost renewable electricity is crucial for Electra's solution [46:26]: Challenges in electrifying ironmaking vs. copper and zinc[48:39]: Hydrometallurgy for iron ore dissolution to minimize waste and extract value[49:05]: Core principles: decarbonization, sustainability, and circularity[55:59]: Electra's go-to-market strategy and commercial vision[58:42]: The company's capital stack evolution and local project financing[01:02:51]: The importance of collaboration in this space[01:04:41]: Invitation for listeners to join Electra's teamGet connected: Sandeep Nijhawan  LinkedInQuoc Pham LinkedInCody Simms X / LinkedInMCJ Podcast / Collective*You can also reach us via email at info@mcjcollective.com, where we encourage you to share your feedback on episodes and suggestions for future topics or guests.Episode recorded on Sep 12, 2023 (Published on Sep 28, 2023)

A Step-By-Step Plan to Promote Your Next Program It's time to launch your next online course or program with confidence. Introduction a 3-part series all about my 7-Step Launch Sequence. In Part One, we'll talk about the details of your offer, and how to ensure you meet your launch goals. Get a pen and notebook ready to take notes and workshop!  If you want help with planning your online course launch or building up your course-based business, check out my limited-time Intensives! Work with me 1-on-1 and get it done!  

Hello and Welcome to Silverdale Baptist Church's Podcast! We hope this episode is helpful to you in your relationship with Jesus. We would love to connect with you! To contact Silverdale, click the link to our website below, then click Connect at the top right. David Thompson's Invitation to join a small group ABOUT SILVERDALE BAPTIST CHURCH Silverdale exists to lead people into an authentic relationship with Christ so they will worship God, grow in their faith, and serve the Lord in our community and world. Silverdale's Lead Pastor is Tony Walliser. FIND US ONLINE Website http://silverdalebc.comYouTube: https://www.youtube.com/silverdalebcInstagram https://www.instagram.com/silverdalebcFacebook: https://www.facebook.com/silverdalebc

Hello and Welcome to Silverdale Baptist Church's Podcast! We hope this episode is helpful to you in your relationship with Jesus. We would love to connect with you! To contact Silverdale, click the link to our website below, then click Connect at the top right. David Thompson's Invitation to join a small group ABOUT SILVERDALE BAPTIST CHURCH Silverdale exists to lead people into an authentic relationship with Christ so they will worship God, grow in their faith, and serve the Lord in our community and world. Silverdale's Lead Pastor is Tony Walliser. FIND US ONLINE Website http://silverdalebc.comYouTube: https://www.youtube.com/silverdalebcInstagram https://www.instagram.com/silverdalebcFacebook: https://www.facebook.com/silverdalebc

Show Notes: Episode 59 - Redefining Storage with Pure Storage | Conf T with your SE Overview In this episode of Conf T with your SE, Bryan Young welcomes Chandler Bassett from Pure Storage. Together, they explore the groundbreaking world of affordable SSD storage and discuss the history and evolution of Pure Storage. Tune in to learn about the company's innovative solutions to Flash reliability concerns, its execution pipeline, and its advanced technology for enhancing storage performance and efficiency. Topics Covered Introduction to Pure Storage, a pioneer in redefining the storage array industry. Insight into Pure Storage's software-driven approach and its impact on Flash reliability. Pure Storage's execution pipeline and commitment to projections. Introduction to Purity, Pure Storage's technology for managing wear leveling and cell health degradation. Discussion on different features of Pure Storage arrays depending on the product family. Analysis of the shift from traditional hard drives to SSDs and its implications. In-Depth Conversations Examination of NAND flash storage, Pure arrays, Pure One, and SSDs. Addressing concerns regarding supply chain disruptions due to factory fires and natural disasters. Understanding the long-term benefits and future-proofing of investing in advanced storage solutions. Exploring the Evergreen concept as a foundational model for Pure Storage. Pure Storage Products Flash Arrays for legacy workloads, offering various data services and feature sets. FlashBlade, originally built for analytics, now used primarily for data protection. Portworx, a tool that simplifies microservices or Kubernetes-based architecture. Collaboration with Cohesity to enhance data protection software. Concluding Thoughts Reiteration of the importance of Evergreen and its role in keeping Pure's fleet modern. Discussion on the environmental benefits and efficiencies of using Pure's technologies. Chandler's passion for Pure's product and platform, and his commitment to helping customers. Invitation for listeners to join the discussion on Discord and to explore Pure's innovative solutions. Connect with Us Join the conversation on Discord. Reach out to Bryan Young for more insights. Discover more about Pure Storage with Chandler Bassett. Don't miss out on this in-depth exploration of Pure Storage and the redefinition of storage solutions in the modern age. Tune in now!

It is no secret that law students and attorneys exist in a stressful environment. The American Bar Association (ABA) has conducted a study that shows how this environment tends to contribute to high rates of mental health disorders and substance abuse. In an effort to face this challenge, LSM is proud to launch the Wellness Program—focused on providing students resources and discussions to face this issue, together. For our inaugural event, the Wellness Program is privileged to host a very special guest—Ruth Haley Barton. Her topic will focus on pursuing wellness through established rhythms and an abiding relationship with God. Ruth has spent over 20 years as a student, a practitioner, and a leader in the area of Christian spirituality and spiritual formation. She served on the staff of several churches before founding the Transforming Center, a ministry dedicated to creating space for God to strengthen the souls of leaders, equipping them to lead transforming communities. Her website here. She is the author of numerous books, including Embracing Rhythms of Work and Rest, Strengthening the Soul of Your Leadership, and Invitation to Solitude and Silence (purchase here). Music Credit(s): Tokyo Music Walker & Rexlambo.

My guest for this episode of Soul Guide Radio is my father... and during our conversation, I come out of the spiritual closet to him for the very first time.So many of us hide this deeply meaningful part of ourselves from the people around us, because we're afraid that it will make them feel uncomfortable, or it will cause tension, or they will reject us. In hiding this part of ourselves, we hold ourselves back from being truly authentic — and prevent others from knowing our truest selves. Expressing our authentic selves can be uncomfortable, for sure! It can even be a little scary in some situations. But if you can do it with the right person, at the right time, and in the right way, you can uplevel your relationship and create a profoundly deeper, stronger, and more resilient connection.This episode was an unplanned, spontaneous, and deeply meaningful discussion. At times, it was deeply uncomfortable. I'm sharing it with you because it's a powerful example of communicating your truest self to your inner circle.Start unlocking your spiritual gifts. Listen now to discover: How to talk about your true beliefs — even when you know your loved ones may feel differently or may not like it  Why it can be so hard to discuss your spiritual beliefs with other people  An invitation that will have you connecting deeply to the voice of your higher self, so you can get clearer on your beliefsTimestamps:00:01  Intro04:39  Meet my father05:30  Doing work you love 08:00  Prayer Rock13:24  Religious experiences & nature15:04  Energy vortex, sand dunes & trees16:57  Historical energetic presence17:58  The afterlife & NDEs21:01  Importance of authenticity & communication24:12  Accommodating v. being uncomfortable 25:35  Religious authority v. spiritual experience 29:04  Knowing each other fully32:48  Ageing & questioning35:22  Crossing over & preparing40:04  Choosing your lifetime41:08  Invitation & conclusionLinks:Soul Guide Radio #105: Accommodate, Ghost, or Get UncomfortableDid you know that All the ANSWERS about your soul experience are INSIDE OF YOU. If you're ready to claim the key to unlocking them, then join me in SOUL BLUEPRINT - a certification program that reveals how to ACCESS and AMPLIFY your 5 Spiritual Gifts to CLARIFY your soul's unique blueprint, and ALIGN your energy to your soul-guided intentions so that your DREAMS come true. ENROLL NOW at allysonscammell.com/soulblueprint Stay connected: Facebook: https://www.facebook.com/groups/soulguidecircle Instagram: @allysonscammell Ready to grow a prosperous soul-guided business? Book an Intuitive Consult Seeking a high-vibe speaker or guest instructor for your event? Reach out here! — If Soul Guide Radio resonates with you, please consider leaving a review — this helps us to reach more soul-guided leaders, influencers, and entrepreneurs. Podcast support: https://theultimatecreative.com https://copymagic.agency Interested in being a guest? Learn more: https://allysonscammell.com/podcast

An Invitation to Become Disciples Like His Mother by Fr. Barry Braum

Welcome to the Harvest Church Podcast. We hope that this week's message from George Gourlay will encourage you. Harvest Church is a family of believers, based in Durban, South Africa. For more information: Harvest Church: Website: ⁠⁠⁠⁠⁠⁠⁠⁠http://⁠⁠⁠⁠harvestchurch.co.za/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Facebook:⁠⁠⁠⁠⁠⁠⁠⁠ http://⁠⁠⁠⁠facebook.com/HarvestChurchZA/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Instagram: ⁠⁠⁠⁠⁠⁠⁠⁠http://⁠⁠⁠⁠instagram.com/harvestchurchza/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Youtube: ⁠⁠⁠⁠⁠⁠⁠⁠http://⁠⁠⁠⁠youtube.com/harvestchurchza

Being an entrepreneur is tough but toss in a chronic illness/pain, a family crisis, health issues, or everyday kid schedules and it gets much tougher. All of these situations put limits on your time and energy and that in turn impacts your business. In this episode you'll hear from 3 entrepreneurs who live with a chronic illness and they share their tips on how to continue to run a successful business with limited time and energy. They share: How their diagnosis impacted their life and business  The thoughts and emotions that came along with the diagnosis Specific tools and tips that helped them continue  Reminders that you can do it, even if it looks differently than what others are doing Resources Shared:  Invitation to Amanda's 2024 Planning Event: www.amandamckinney.com/2024 2018 CDC Study Stats: https://www.cdc.gov/pcd/issues/2020/20_0130.htm#:~:text=In%202018%2C%2051.8%25%20of%20US,those%20living%20in%20rural%20areas.  Craft Industry Alliance Article: https://craftindustryalliance.org/the-challenges-of-managing-a-craft-business-and-a-chronic-illness/ Mixed Connective Tissue Disease: https://www.mayoclinic.org/diseases-conditions/mixed-connective-tissue-disease/symptoms-causes/syc-20375147 Rheumatoid Arthritis: https://www.mayoclinic.org/diseases-conditions/rheumatoid-arthritis/symptoms-causes/syc-20353648 Systemic Lupus Erthematosus: https://www.cdc.gov/lupus/facts/detailed.html Hashimotos Disease: https://www.mayoclinic.org/diseases-conditions/hashimotos-disease/symptoms-causes/syc-20351855 Acute Intermittent Porphyria: https://rarediseases.org/rare-diseases/acute-intermittent-porphyria/ Christa's Website: https://www.christafairbrother.com/ Christa's IG: https://www.instagram.com/aquacontentyogi/  Christa's Facebook: https://www.facebook.com/ChristaFairbrotherYoga/ Pia's Website: https://zoloz.se/ Pia's IG: https://www.instagram.com/zoloz_yogastudio/?hl=en 

Practicing the way of Jesus. Part 3: Invitation to a Journey. In a world filled with distractions and noise, our belief remains steadfast: to truly be like Christ, we must not only embrace His teachings but also adopt His way of life. Join us as we explore the heart of what it means to follow Jesus, to live out His love, and to transform our daily routines into acts of faith. So, get ready to embark on this life-changing adventure as we learn to practice the way of Jesus together! Teaching Text: Mark 8:34-35; 2 Corinthians 2:15-18. Preached by Paul Khochay.

Welcome to The House of Mario! The South Australian Nintendo podcast that is backed by a 120 Power Star Rating!Last week Microsoft suffered one of the biggest leaks in the video game industry via documents being shared with the FTC. Within the treasure trove of information emails surfaced from Phil Spencer that entertain the idea of Microsoft buying Nintendo. I (Drew) discuss why this approach by Microsoft is concerning and why it would never benefit Nintendo to be purchased. Also discussed is my time with Gunbrella, Miles Morales and Dead Space!00:02:46 - Microsoft buying Nintendo hypotheticals 00:21: 44 - Gunbrella00:34:07 - Marvel's Spider-Man: Miles Morales00:38:46 - Dead Space00:50:38 - Guru GeekoutThe doors are open! GURU GEEKOUTGeek out: Asus ROG AllyShoutout: Luke aka LemonadeLukes YouTube channel: LvaneedeGUNBRELLA SPOILER CAST I WAS A GUEST HOSTAll N Media YouTube ChannelLISTEN TO OTHER IDREWBY STUDIOS PODCASTSEncore At The House of Mario (The After Party Nintendo Podcast)A Drew Story (A Conversational Interview Podcast)Crackin' Furphys (Crackin' lies among true stories)FOLLOW ON TWITTERDrew: @iDrewbyTHOM: @TheHouseOfMarioSUPPORT IDREWBY STUDIOS CONTENTGain access to Secret Recordings & get your name in the credits all while helping Drew achieve his goal of making 1 working day a week free to create podcasts!Patreon.com/idrewbyWANNA START A PODCAST?Captivate. FM is the hosting platform Drew uses for all his podcasts. With simple yet powerful tools, an in-built marketing suite and plenty of tips to better your show, Drew believes this is the best podcast hosting platform on the internet! Use our Affilate link for a 1 week free trial and if you sign up you help support the show!INVITE TO THE HOUSE OF MARIO DISCORD COMMUNITY!Join the community to chat with awesome people like Mettadox, Ash, Luke, Jamie, Sam, Deejaayy, Delfino and others!Invitation to The House of Mario discord community

Live your Dreams Awake - https://www.patricialohan.com/lyda   In this episode Patricia tackles a question sent in through a message by Sue Bannow with regards to selling her art works. A career in art is fulfilling and rewarding for those who have the passion and creativity for it, but it's common knowledge that its significant challenge is the lack of financial stability.   One advice Patricia gave is kind of similar to when you are calling out for love, to be intentional that you already have sold the art pieces. Another way is to declutter. Find out what needs to be decluttered in relation to having abundance to get your artworks sold by listening to this episode. It may not be artworks that you are selling but the same principle applies in the feng shui perspective.       Highlights of the episode…  Patricia read Sue's question Decluttering to make space  Being intentional and manifesting that artworks have already been sold. Invitation to join the PowerHouse program   Resources: Feng Shui Checklist - https://www.powerhousefengshui.com/feng-shui-checklist-1 Free Feng Shui Mini Course or Feng Shui 101 - https://www.powerhousefengshui.com/101-fengshui-v2-1   Past episodes on Money and Abundance Introduction to Feng Shui Areas in your Home Feng Shui for Money and Abundance   Connect with Patricia Lohan: Instagram - https://www.instagram.com/powerhouse.fengshui/ YouTube - https://www.youtube.com/@PatriciaLohan Website - https://patricialohan.com/ Send us an email: miracles@patricialohan.com  

When we wake up each morning, do we actually think that what we do can change someone's world in some way? Most of us are grateful to change the sheets on a regular basis, clean the coffee pot with vinegar a few times a year, and water the plants when they show signs of an early death. Yet, as followers of Jesus, we are not only called to an eternal purpose, to love God and our neighbor, we also get the privilege of partnering with the Son of God to change lives—one life, perhaps—all for His glory and our good and theirs. Does that sound too hard? Too overwhelming? Too exhausting? It can to me, until I remember how Jesus spoke to many individuals, not only crowds of 5,000 and more. And He met needs one-on-one, as well as breaking bread and fish for hungry men and women and their kids on a mountain more than once. Think about it: I've learned that inviting one person for a cup of coffee can change their world. God loves people, and He wants to use our tables and teapots to show people that He does. Your cup of coffee or tea, soup or water—can be an introduction to God that someone has been looking for their whole lives. As my new sweatshirt reads, "My real home is heaven. I'm just here recruiting." (I don't usually wear that on a first time meet-up.) Awhile ago I shared three stories of how God changed lives through a simple invitation. Here are three more stories of how God changed lives through a simple invitation. An invitation to the one who needs a family An invitation to the one who needs to live awake An invitation to the one who needs a little help   Maybe you've been the recipient of an invitation that changed your life. I'd love to hear about it.  I'd also like to hear if you invite someone over and would like me to pray alongside. Email me: sue@welcomeheart.com. We're partners, after all.  To hear my first three invitations that changed the world, LISTEN to Part, I - HERE.  

Sunday Morning Sept 24, 2023 Message by Troy Arnold  Website: www.lighthouseontherockky.org Facebook: https://facebook.com/lotrchurch

Andy continues divine invitation series

The Invitation : NavPlan Pt 8 by Rivertown Community Church

The Jar Community Church

Why do we keep talking about fertility issues? Is it important that we look for God in the midst of our fertility journeys? Today's episode explores common ways of thinking of fertility and how God may be inviting us to something different -- better, deeper, and more meaningful. In this short episode, we'll be encouraged to ponder together what God may be doing in this area of our lives! NOTE: This episode is appropriate for all ages. HOW NOTES: Join our Introductory SessionSchedule a Consultation with Caitlin Get our Monthly Newsletter to get informed & engaged! Charting your Fertility with a Certified FertilityCare Practitioner: Anyone can begin learning more about their reproductive health and how to identify root issues. It is never too late to begin this process! We'd love to help you get started by attending one of our Introductory Sessions - an online, virtual class available each month. Join us! Talk with Caitlin (you do not have to be a client): Need a safe place to talk about your fertility journey, what you're going through (faith, infertility, medical concerns, etc) or anything else about your fertility? Caitlin would love to hear your story and talk with you during a consultation! Support the show

Enjoy our video series! Episode #418! Here's our NEW Costa Rica Good News Report YouTube Channel. Over 850 Short, Entertaining Videos that will get you excited about Costa Rica: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.youtube.com/@thecostaricagoodnewsreport/videos⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Over 4,250 episodes recorded to date of our Costa Rica Pura Vida Lifestyle Podcast Series! Here's a link: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://open.spotify.com/show/5us0sMPtcjkKuFL4kNHa08⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Here's a link to our Costa Rica Pura Vida Amazon Products Store!  Happy Shopping! ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.costaricagoodnewsreport.com/costaricaproductsamazon.html --- Send in a voice message: https://podcasters.spotify.com/pod/show/costa-rica-pura-vida/message

Episode 112 – Grace, Healing, and Invitation Jesus Christ healed many people while He ministered during His earthly life. But He didn't just leave them at that. He offered invitations. Scripture References Matthew 8 Mark 2 John 5 Matthew 9 Luke 17 Mark 10 “Songs Sung and Unsung,” Elder Jeffrey R. Holland. General Conference April … Continue reading Grace, Healing, and Invitation →

Invitation from God

It's been 20 years, and just when your agents thought they were safe, here comes Vince and Sergio to pull them back in! This episode covers the scenario: A Volume of Secret Faces. We answer a listener question, discuss Operation India Moon, Investigate Dr. Barbas, go over what your agents can find at The Dorchester House, and many more sanity-shattering secrets found in this massive scenario. Want more Dead Drop? The Patreon edition contains over 25 minutes of unreleased discussion covering A Volume of Secret Faces. You can get more by going to https://www.patreon.com/maydayrp, where any level gets you access to the unedited episodes. Make sure to leave your comments and questions in the chat below or message us directly on X (Twitter) @surgettrpg and @suddenlyvince Apologies for Sergio's less-than-optimal audio quality. We've got merch! https://ko-fi.com/maydayrp (t-shirts and stickers) Thanks for checking out our channel! We offer a bunch of art, music, and behind-the-screen access including Vegas By Night 1-on-1 sessions on our Patreon; https://www.patreon.com/maydayrp including access to our discord server! We started as a podcast! Listen to us @: Apple Podcasts: https://podcasts.apple.com/us/podcast/mayday-plays/id1537347277 Spotify: https://open.spotify.com/show/5vdTgXoqpSpMssSP9Vka3Z?si=73ec867215744a01 Soundcloud: https://soundcloud.com/mayday-roleplay Here are some of our other socials; Twitter: https://twitter.com/maydayroleplay Instagram: https://www.instagram.com/maydayrp/ Website: https://maydayroleplay.com/ Thanks for your support! 00:00 Welcome to The Dead Drop 01:04 A Volume of Secret Faces, Part 1 2:18 The Briefing 3:31 Home Pursuits 4:30 Veteran Packages 5:21 Estranged Bonds 7:21 Passing Strange 8:33 Listener Question: is 100% completion possible? 15:42 Millenium era campaign 17:00 Clarify cell status 17:48 Invitation fit for an opera 20:00 Meeting Dr. Barbas 26:45 Looking into Barbas 29:46 The Lion and the Scribe 32:54 Door to the Bookshop 33:44 Dorchester House 36:50 Media Inspirations 39:13 The Missing Agents 40:34 The staff of Dorchester House 42:57 Dr. Friend and the Library 43:44 The patients of Dorchester House 46:00 PC objective: Find Bael 48:11 "Must-see" scare: the cotton candy room 51:24 Attending the play 53:03 Clownin' around 58:13 Waking up and what's next 01:00:00 Outro

When it comes to today's episode, “Till death do us part” truly comes into play. We're talking Wedding Horror; The Invitation, Rec 3 & Camp Wedding with guest Izzy Lee. Support Izzy's first feature film “House of Ashes” here: https://www.kickstarter.com/projects/izzylee/house-of-ashes-a-horror-feature-film-by-izzy-lee Website: https://www.nihilnoctem.com/ Store: https://darkmattermagazine.shop/products/i-can-see-your-lies Listen & subscribe wherever you get your podcasts or go to http://www.aotkp.com Connect with the show: Become an Official Attacker: http://jointheattackers.com/ Visit our website: http://www.attackofthekillerpodcast.com/ Like us on https://www.facebook.com/attackofthekillerpodcast Follow us on https://twitter.com/AotKP Follow us on https://www.instagram.com/attackofthekillerpodcast/ Subscribe on https://www.youtube.com/attackofthekillerpodcast Support the show at https://www.patreon.com/aotkp/posts Lastly, check out all the amazing shows at http://thepfpn.com

​ @transfigured3673  A response to Gavin Ortlund  @TruthUnites   the Trinity and Incarnation + an Invitation to Conversation https://youtu.be/cZBndndnU_U?si=gfbNSzUZGj6F82tR  Why this CRC Minister is interested in BOTH Bill Johnson and Doug Wilson. https://youtu.be/O5XKyik5M0g?si=NvnBHl5I5tEd88Ri  Heresy: A History of Defending the Truth Alistair McGrath https://amzn.to/3rl2Ar4  Upcoming TLC Events Breakwater Festival Mannheim Germany October 27-29 2023 Event Details and Tickets: https://buytickets.at/breakwater/935800   T-shirts: https://buytickets.at/breakwater/store Discord: tinyurl.com/BreakwaterDiscord   Festival Email: contact.breakwater@gmail.com  Flyer https://bit.ly/breakwaterfestival2023  Convivium 2023: Poetry as Perception, November 17-18, Hector, AR https://events.eventzilla.net/e/convivium-2023-poetry-as-perception-2138588315 Join this channel to get access to perks: https://www.youtube.com/channel/UCGsDIP_K6J6VSTqlq-9IPlg/join   Paul Vander Klay clips channel https://www.youtube.com/channel/UCX0jIcadtoxELSwehCh5QTg Bridges of Meaning Discord https://discord.gg/UkptDXrP https://www.meetup.com/sacramento-estuary/ My Substack https://paulvanderklay.substack.com/ Estuary Hub Link https://www.estuaryhub.com/ If you want to schedule a one-on-one conversation check here. https://paulvanderklay.me/2019/08/06/converzations-with-pvk/ There is a video version of this podcast on YouTube at http://www.youtube.com/paulvanderklay To listen to this on ITunes https://itunes.apple.com/us/podcast/paul-vanderklays-podcast/id1394314333  If you need the RSS feed for your podcast player https://paulvanderklay.podbean.com/feed/  All Amazon links here are part of the Amazon Affiliate Program. Amazon pays me a small commission at no additional cost to you if you buy through one of the product links here. This is is one (free to you) way to support my videos.  https://paypal.me/paulvanderklay Blockchain backup on Lbry https://odysee.com/@paulvanderklay https://www.patreon.com/paulvanderklay Paul's Church Content at Living Stones Channel https://www.youtube.com/channel/UCh7bdktIALZ9Nq41oVCvW-A To support Paul's work by supporting his church give here. https://tithe.ly/give?c=2160640  

September 20, 2023 Wednesday night teaching from Rose Colón at Lighthouse on the Rock Fellowship in Dry Ridge, KY. Website: www.lighthouseontherockky.org Facebook: https://facebook.com/lotrchurch

The story of Mária Prechovská, the only Slovak actress of 20th century who studied acting at prestigious Max Reinhardt Seminar, is retold by historian Karol Misovic. Invitation to Amplion/Amplifier festival of street art is a part of this week's Culture news for English speakers living in or visiting Slovakia.

Psalm 95 is a wonderful hymn that begins by giving us an invitation to “come” and worship (1-7a) but ends giving us a warning (7b-11). Psalms 93 and 95-100 are a group of psalms that are called theocratic psalms. They are about the kingship of God over His people Israel and His sovereign rule over all the earth. Some commentators believe these psalms were written or adapted for the dedication of the second temple which the Jewish people rebuilt after they had been released from their captivity in Babylon.   It was an occasion for rejoicing, thanksgiving and praise but it was a time they needed to be reminded they had been gathered into the land once before and had been thrown back out again because of their sin. What if that should happen again? In looking for a sermon-song to convey that idea, the godly compiler hit on the poem we now know as Psalm 95. It is included in the Hebrew hymnbook as an anonymous psalm, but in Hebrews 4:7 it is quoted as a psalm of David.   This psalm could easily have come from the pen of David and been included in the selection of inspired songs because of its obvious suitability to the occasion. If the Holy Spirit quotes the psalm as being Davidic, that should be enough. So, let us leave the authorship with David and the adaption with some anonymous compiler, led by the Spirit of God to include this long-forgotten poem of David in this particular collection. The compiler himself might not even have been sure that David was the original author of the poem he found so perfectly suitable to his purpose and, for that reason, might have left it anonymous. But the Holy Spirit later tells us it was David's.   Some believe that Psalm 95 was written to celebrate the annual Feast of Tabernacles, which was a joyful event as the people looked back on their ancestors' wilderness wanderings, looked around at the bountiful harvest, and looked up to give thanks to the Lord (Lev. 23:33-44). It has been suggested that this psalm was written for this feast after the exiles returned to Judah from Babylon. Certainly verses 8-11 would remind them of those wilderness years, but they are quoted in Hebrews 3:7-4:13 and applied to believers today. The church must take heed to what happened to Israel (see 1 Cor. 10:1-13). As the psalmist calls God's people to celebrate the Lord, he gives us three admonitions to obey.   First in verses 1-5, the psalmist invites us to come and praise the Lord. He tells us both how we should praise Him (vv. 1-2) and why we should praise Him (vv. 3-5). This is communal praise, not individual, although both are important. Our praise should be joyful and enthusiastic. He even commands us to shout (v. 1) and be wholly focused on the Lord. The verb "come" in verse 2 means "to go to meet God face-to-face, to be in His presence." Today, we as believers do this through Jesus Christ (Heb. 10:19-25). We should be thankful in our praise as we extol the Lord for His great mercies. The psalmist also tells us why we should praise Him (v. 3). Our God is great and above the false gods of this world (Psalms 81:8; 92:8; 93:4; 96:4; Ex. 18:11). After His ascension to heaven, Jesus Christ was enthroned "far above all" (Acts 2:33; Eph. 1:19-23; Phil. 2:9-11; Col. 1:15-18), and nothing can separate us from His love (Rom. 8:37-39). He is our "great God and Savior" (Titus 2:13) and we should delight in praising him. But our God is also the Creator of the universe and controls all things (vv. 4-5). The depths of the sea and the earth, and the heights of the mountains all belong to Him, and He knows what is going on in the waters as well as on the earth. The pagan nations had gods and goddesses for different parts of creation; the seas, the land, the mountain peaks, the sun, moon and stars, the storms, the crops, but our God is King over all. It's no wonder we praise Him today and every day!   God bless!

Welcome to our Podcast #4,265! Here's a link to our Costa Rica Pura Vida Amazon Products Store!  Happy Shopping! ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.costaricagoodnewsreport.com/costaricaproductsamazon.html⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ You've GOT TO SEE our "Costa Rica Good News Report" Website: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠www.costaricagoodnewsreport.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Here's our NEW Costa Rica Good News Report YouTube Channel. Over 850 Short, Entertaining Videos that will get you excited about Costa Rica: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.youtube.com/@thecostaricagoodnewsreport/videos⁠ --- Send in a voice message: https://podcasters.spotify.com/pod/show/costa-rica-pura-vida/message

Wilkens talks about the stigma around substance abuse, potential alternatives to abstinence, and the role of meditation in recovery. Carrie Wilkens, PhD, is the Co-founder, Co-president and CEO of the Center for Motivational Change: Foundation for Change, a nonprofit organization with the mission of improving the dissemination of evidence-based ideas and strategies to professionals and loved ones of persons struggling with substance use through the Invitation to Change approach. She is co-author of the book, The Beyond Addiction Workbook for Family and Friends: Evidence-Based Skills to Help a Loved One Make Positive Change and Beyond Addiction: How Science and Kindness Help People Change.In this episode we talk about:The stigma around substance abuseDefining terms: addiction vs. substance use disorder and why it mattersHow substance use disorder affects our brainHow to diagnose a substance abuse disorderWhether there is an alternative to abstinenceHow we all need to be thoughtful about the relationship we want with substancesHow and why a substantial percentage of people naturally recover without going to treatment The strategies to use if you have someone in your life who you think is on a destructive path What positive communication is and how to practice itHow we live in a quick fix society and recovery from substance abuse disorder is a slow processWhat actually makes people changeThe role of meditation in recovery—for the patient and the familyAnd the importance of taking care of yourself so you can take care of othersFull Shownotes: https://www.tenpercent.com/tph/podcast-episode/carrie-wilkensSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

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ABOUT THE EPISODEColossians 2 gives us three clear points of wisdom as Paul warns against a few dangers that were creeping into the church. Ultimately, Paul wanted desperately for the Colossians to understand Christ's supremacy over all things. Today, we're unpacking Christ's supremacy over heresy, His supremacy over vain philosophy, and His supremacy over legalistic religion. We can walk away with encouragement to prioritize biblical literacy as it informs our thoughts and actions toward others. EPISODE LINKSRedemption Gateway Sermon - The Alpha & The OmegaWHAT IS NEUE THING?Neue Thing is a non-profit ministry, founded by Cherie Wagner, that exists to equip women with the Word of God. Cherie's life-long passion is two-fold: knowing Jesus Christ and making Him known. Author of Found On My Knees, Awake O Sleeper, Rest, Hope, Psalms for Life, and Knowing Your Name, Cherie writes Bible studies for women that will encourage them to know and believe God's Word, equip them to live it, and empower them to take it and transform this generation for Jesus Christ.CONNECT WITH NEUE THINGWebsite: https://neuething.org/Email Subscription link:https://neuething.us2.list-manage.com/subscribe?Instagram: https://www.instagram.com/neuethinginc/Facebook: https://www.facebook.com/neuethingGive to Neue Thing: https://neuething.org/give/RESOURCESKnowing Your NameFound On My Knees: The Journey from Brokenness to BlessingAwake O Sleeper: EphesiansRest: 30 Days of Exploring God's Invitation to RestHope: Tethered to an Unwavering GodPsalms for Life

Sometimes, deep and soulful insights can be found in surprising places. In this episode of Soul Guide Radio, I look at the evolution of human consciousness through a pretty unexpected lens — the TV series Ted Lasso, which aired on Apple TV (don't worry, you don't need to have seen the show to benefit from this episode!).Now, I don't watch a lot of television, but this series touched me on a soul level. I saw so much of my own experience in the series, as well as the experience of my husband. And I know that I'm not alone — many people connected strongly with this show, and I believe that it's because it beautifully reflects the evolution of the collective consciousness.In this episode, I explore how Ted Lasso became one of my life coaches, and what this character can teach us about finding our unique gifts, the importance of kindness, and figuring out where you should be in the world.Start unlocking your spiritual gifts. Listen now to discover: Three core ideas that Ted Lasso explored in ways unlike other showsWhat it means to be in the energy of proving and the impact of “little-t” traumaAn invitation that will have you expanding and evolving to the next level of your potentialTimestamps:00:01  Intro05:51  Soccer story & energy of proving10:49  Why Ted Lasso?13:06  Jason Sudeikis17:19  Ted Lasso & knowing where to be21:18  Kindness24:31  Healing27:12  Unique gifts30:30  What does it all mean for you?35:33  Invitation & conclusionLinks:Men in Blazers - Ted Lasso Pod SpecialStay connected: Facebook: https://www.facebook.com/groups/soulguidecircle Instagram: @allysonscammell Ready to grow a prosperous soul-guided business? Book an Intuitive Consult Seeking a high-vibe speaker or guest instructor for your event? Reach out here! — If Soul Guide Radio resonates with you, please consider leaving a review — this helps us to reach more soul-guided leaders, influencers, and entrepreneurs. Podcast support: https://theultimatecreative.com https://copymagic.agency Interested in being a guest? Learn more: https://allysonscammell.com/podcast

The Price of Football is the hit podcast that talks about the finances of the beautiful game, and today we're joined by its creators: comedian Kevin Day, football finance academic Kieran Maguire and former BBC producer Guy Kilty. Now they've written a book. It's called Unfit and Improper Persons, An Idiot's Guide to Owning a Football Club.It's good, and can be pre-ordered on the Bloomsbury website.This episode of Unofficial Partner is sponsored by Leaders Week London, taking place on 16th to 19th October, with the two day Leaders Summit held at Twickenham Stadium on Wednesday 18th and Thursday 19th.The team at Leaders have worked hard to ensure you can make the most out of your time across The Summit. There's forums, masterclasses and networking opportunities including: The Diversity Forum, Women in Sport Breakfasts, Masterclasses and Tech Showcases and Invitation only forums covering Brand and Marketing, C-Suite, and Commercial.Use UP15 for a 15% discount on your Summit passes - visit leadersinsport.com/UP for more information. Unofficial Partner is the leading podcast for the business of sport. A mix of entertaining and thought provoking conversations with a who's who of the global industry. To join our community of listeners, sign up to the weekly UP Newsletter and follow us on Twitter @UnffclPrtnrWe publish two podcasts each week, on Tuesday and Friday. These are deep conversations with smart people from inside and outside sport. Our entire back catalogue of 300 sports business conversations are available free of charge here. Each pod is available by searching for ‘Unofficial Partner' on Apple, Spotify, Google, Stitcher and every podcast app. If you're interested in collaborating with Unofficial Partner to create one-off podcasts or series, you can reach us via the website.

"Our mission is the same as it's always been... to help people discover & follow Jesus."   In this message, Pastor Jack kicks off week 1 of our series "Heart & Soul."   —— If you want to support what God is doing through Cityline, click here: https://app.securegive.com/Cityline/main/donate/category   Want to learn more about Cityline and how to get involved? Click here: https://citylineonline.org   Are you in need of prayer or someone to talk with? Click here: https://citylineonline.org/prayer   —— Follow us on socials! Instagram: https://www.instagram.com/citylineonline/ Facebook: https://www.facebook.com/citylineonline/ YouTube: https://www.youtube.com/channel/UCumM40GFhmHumITXmh8MV0g Apple Podcast: https://podcasts.apple.com/us/podcast/cityline-church/id1308579363?mt=2 Spotify Podcast: https://open.spotify.com/show/0pHyJ5pxtry1tIMlD9ZBPd?si=e01fc4636d5543e1  

According to reports, Ghislaine Maxwell was still being invited to Jeff Bezos super high end retreats as late as 2018. As time goes on and more and more about Maxwell and her behavior is revealed, it's rather obvious that people like Bezos and Clinton and their relationship with one of the most notorious Human traffickers in history need a much deeper and longer look.(commercial at 8:30)to contact me:bobbycapucci@protonmail.comsource:https://www.cnbc.com/2019/11/01/jeffrey-epstein-friend-ghislaine-maxwell-was-guest-at-jeff-bezos-event.htmlThis show is part of the Spreaker Prime Network, if you are interested in advertising on this podcast, contact us at https://www.spreaker.com/show/5003294/advertisement

Hello and Welcome to Silverdale Baptist Church's Podcast! We hope this episode is helpful to you in your relationship with Jesus. We would love to connect with you! To contact Silverdale, click the link to our website below, then click Connect at the top right. David Thompson's Invitation to join a small group ABOUT SILVERDALE BAPTIST CHURCH Silverdale exists to lead people into an authentic relationship with Christ so they will worship God, grow in their faith, and serve the Lord in our community and world. Silverdale's Lead Pastor is Tony Walliser. FIND US ONLINE Website http://silverdalebc.comYouTube: https://www.youtube.com/silverdalebcInstagram https://www.instagram.com/silverdalebcFacebook: https://www.facebook.com/silverdalebc

Hello and Welcome to Silverdale Baptist Church's Podcast! We hope this episode is helpful to you in your relationship with Jesus. We would love to connect with you! To contact Silverdale, click the link to our website below, then click Connect at the top right. David Thompson's Invitation to join a small group ABOUT SILVERDALE BAPTIST CHURCH Silverdale exists to lead people into an authentic relationship with Christ so they will worship God, grow in their faith, and serve the Lord in our community and world. Silverdale's Lead Pastor is Tony Walliser. FIND US ONLINE Website http://silverdalebc.comYouTube: https://www.youtube.com/silverdalebcInstagram https://www.instagram.com/silverdalebcFacebook: https://www.facebook.com/silverdalebc

The Fed can raise interest rates, but they cannot create housing supply.  Housing intelligence analyst Rick Sharga joins us for the second week in a row. This housing market is awful for primary residence homebuyers. But at GRE Marketplace, you can still buy income properties with rates as low as 4.75%. Rick tells us that the most prosperous markets now favor the: Midwest and Southeast, single-family homes, rental property investors with buy-and-hold strategies. National home prices are appreciating modestly. Home sales volume is still down. Investors now account for more than one-quarter of property purchases. Mortgage delinquencies are near an all-time low. Rick and I discuss why this market is so bad for flippers.  High homeowner equity positions ($300K+) support this housing market.  Timestamps: The impact of rising mortgage rates [00:02:37] Discussion on how the Federal Reserve's raising of short-term rates has caused mortgage rates to go up, affecting the housing market. The affordability challenge [00:03:38] Exploration of the impact of higher mortgage rates on homebuyers, particularly first-time buyers, and the decrease in affordability. Low supply of homes [00:08:48] Analysis of the low inventory of homes for sale, with a decrease of 9% from the previous year and 47% from 2019, leading to a challenging market. The mortgage rate lock in effect [00:11:05] Discussion on how the mortgage rate lock in effect can crimp demand but cannot create supply. Hottest markets in the Midwest and Southeast [00:11:05] Analysis of the hottest real estate markets in the Midwest and Southeast regions of the United States. Positive turn in home price appreciation [00:13:06] Explanation of how home price appreciation went down but has recently turned positive again. Housing Permits, Starts, and Construction [00:21:24] Discussion on the trends and levels of housing permits, starts, and construction, and the need for builders to increase production. Investor Activity in the Residential Market [00:22:28] Exploration of the percentage of home purchases made by investors, with a focus on small and medium-sized investors and the misconception of institutional investors dominating the market. Delinquencies and Foreclosures [00:24:36] Analysis of mortgage delinquency rates, foreclosure activity, and homeowner equity, highlighting the low delinquency rates, the presence of equity in foreclosed homes, and the importance of early-stage foreclosure sales. The future direction of rents [00:32:00] Discussion on the potential upward pressure on rents due to low affordability and high homeownership rate. Inventory coming to the market [00:33:03] Exploration of the impact of expensive inventory coming to the market and its effect on rent prices. The overall economy and housing market [00:34:03] Consideration of the possibility of a recession, unemployment spike, and foreclosures affecting the housing market. The coach's role in finding real estate deals [00:43:06] Explanation of how an investment coach can help you find the best real estate deals in the marketplace. Advantages of buying properties from marketplace [00:44:20] Reasons why buying properties from marketplace can lead to good deals, including lower prices and absence of emotional seller involvement. Resources mentioned: Show Notes: www.GetRichEducation.com/467 Rick Sharga's website: CJPatrick.com Rick Sharga on X (Twitter): @RickSharga Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments. You get paid first: Text ‘FAMILY' to 66866 Will you please leave a review for the show? I'd be grateful. Search “how to leave an Apple Podcasts review”  Top Properties & Providers: GREmarketplace.com GRE Free Investment Coaching: GREmarketplace.com/Coach Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— text ‘GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Keith's personal Instagram: @keithweinhold   (00:00:01) - Welcome to. I'm your host, Keith Weinhold. Hold a terrific discussion today on the direction of the housing market, including lessons that you can learn for all time plummeting home sales volume and direly low home inventory. Why home price appreciation is taking place now. Could the government soon penalize you for owning too many rental properties? What's the best place for a real estate investor to position themselves in this era? And more today on Get Rich Education.   (00:00:33) - You're listening to the show that has created more financial freedom than nearly any show in the world. This is Get rich education.   (00:00:56) - Walking from Horseheads, New York to Nags Head, North Carolina, and across 188 nations worldwide. I'm Keith Weinhold. And you're listening. To get rich education, you are going to get a fantastic market update today. And along the way, you'll also learn lessons if you're consuming this 5 or 10 years from now. Our expert guest was with us last week to discuss the economy. This week, it's episode two of two as we discuss the real estate market.   (00:01:25) - He has been the executive VP of markets at some of America's leading housing intelligence firms, and today he's the founder and CEO of Patrick Company, either a market intelligence firm for the real estate and mortgage markets. And he has 20 plus years of experience in those industries. It's the return of Rick Saga Part two of two. It's not imperative that you listen to last week's Part one of two that we can help you see the big picture. Enjoy this long, unbroken interview and then after the break, I'll come back to close it. Just you and I. We're talking with Rick Sagar, expert housing analyst, previously. We talked about the general condition of the economy. And now Rick and I are going to break down the housing market with what's happening there. There's so definitively connected. Keith One of the things to that the Federal Reserve has done by raising those short term rates is caused mortgage rates to go up, right? Mortgage rates tend to run loosely in line with the yields on the ten year US Treasury bonds that we talked about at the end of the first segment.   (00:02:37) - Those are now up around 4%. And typically a 30 year fixed rate mortgage will be between one and a half and two percentage points higher than that yield. So in a normal market, we'd be looking at a mortgage rate today of about five and a half to 6%. Instead because of the risk and the volatility that the market is pricing in because they're not sure what the Federal Reserve is going to do next. We're looking at mortgage rates for a 30 year fixed rate loan of over 7%. The most recent numbers from last week from Freddie Mac, we were at almost 7.2% on that average, 30 year fixed rate loan and 6.5% on a 15 year fixed rate loan. You and I were talking before the show and and you know, historically speaking, if we keep these things in context, we're still actually below the 25 year average, which was 8%. But we have a whole generation of homebuyers who've come of age during the period of the lowest mortgage rates in the history of the country. They got spoiled, they got spoiled.   (00:03:38) - And to be clear, it's one of the reasons that home prices rose as rapidly as they did and got as high as they are is because you could afford to make monthly payments with a two and a half, three, 3.5% mortgage. Now, you still have home prices about as high as they were then, and you have a mortgage rate that's doubled. And for most home buyers, particularly first time home buyers that make your monthly mortgage payment was going to go up by 45 to 60%. And most of us didn't get that 45 to 60% raise last year. It really had a huge impact on affordability. In fact, this is such an unusual occurrence that according to Freddie Mac, it's the only time in US history when mortgage rates doubled during a calendar year and they didn't just double in a calendar year. Keith They doubled in the space in a few months. It was that kind of systemic shock to the system that really hit the housing market as hard as it did. Right. And they've also nearly tripled in a pretty short period of time.   (00:04:35) - Yeah, they really have. And again, going back historically speaking and and get this from Gen Z folks and millennials, when I talk about, you know, the old days of mortgage and I do remember my first mortgage had two numbers to the left of the decimal point. I forget if it was 11 or 12%, but it was something like that. And they basically say, okay, Boomer, but that 11% mortgage was on your $70,000 house, Right. And not, you know, today's median priced home of $430,000 or whatever it is. So it's a fair point. Mortgage rates are not high, historically speaking, but that monthly cost, because of the combination of home prices and higher interest rates, is choking some people and making affordability a problem. And because of that, one of the forward looking metrics that I take a look at is the purchase loan mortgage application index from the Mortgage Bankers Association. So this is the number of people that are applying for loans with the purpose of buying a house.   (00:05:35) - They're off almost 30% on a year over year basis right now. You can see without straining your eyes at all the impact that these higher mortgage rates are having on the housing market. And we had almost record numbers of purchase loan applications from the time people who are allowed out of their house during the pandemic until these mortgage rates doubled from 2020 through the early part of 2022, mortgage rates were in the threes and fours and sometimes even in the twos. Yeah, everyone wants to talk about mortgage rates and it is an important discussion to have here at Marketplace with our investment coaches. Rick Some builders, as you know, they commonly offer rate buy down incentives to buyers of new homes. And what some of our providers are doing here, Rick, is we have one builder where if you use their preferred lender, they're buying down your income property's mortgage rate to 5.75%. And we have another builder where if you use their preferred lender, they're still buying down your mortgage rate to 4.75%. And of course, with Non-owner occupied property here, you know, previously you had talked about mortgage rates in excess of seven.   (00:06:47) - They might normally be about 8% for non owner occupied property, but you're able to buy them down to five and three quarters or even four and three quarters with one of our providers for new builds right now, that's a great deal and your listener should really be taking advantage of those opportunities. We'll get into new homes in a few minutes and what we're seeing builders do for consumers, But have to tell you, those numbers are better deals than consumers are getting right now. And you're being generous when you're talking about private lending rates right now. Most of the lenders I'm familiar with are nine, ten, 11%, depending on the nature of your investment. So your folks are getting a great deal with those rates. We talked about purchase loan applications. The other advanced predictor I look at is pending home sales. These are people that are entering into contracts. The deal hasn't been closed yet. Has it been recorded yet? This comes out from the National Association of Realtors. And those numbers are down on a year over year basis as well.   (00:07:42) - There's a lot of rate sensitivity in the market, though, Keith. And if you go back to March when rates went down just a fraction of a percent, we saw more purchase loan applications. We saw more pending home sales. But as rates have climbed back up over seven, we've seen both of these metrics go down. Yeah. So we're talking about pending home sales. We're talking about sales volume that's down in this discussion, not sales price. And anyone might be hard to say, but when you see sales volume that's down, including pending sales, how often is that due to worse affordability and how often is that due to low supply of homes? Why don't we jump right into that? Keith That's a great segue. And this is a very difficult time in the housing market because it has both of the factors that you just mentioned, two very difficult headwinds for the market to try and overcome. And and we'll get into details on both of those in just a minute. Because of that, existing home sales were down in July and they were down pretty significantly on a year over year basis, about 16%.   (00:08:48) - And that's the 23rd consecutive month where existing home sales were lower than they were the prior year. January was the lowest month of sales this month, and it broke a streak we started this year. I was forecasting that we'd see between 4.3 and 4.4 existing home sales. That's down from about 5.2 last year in about 6.1 million the year before. Right now, we're trending at a little over 4 million existing home sales for the year. So even my relatively low forecast for the year may have been overly optimistic. You mentioned inventory and inventory is a huge headwind for the market. Inventory of homes for sale today is down about 9% from where it was a year ago. It's down 47% from where we were in 2019, which was probably the last normal year we've had in the housing market. In a normal year, we would be looking at about a six month supply of homes available for sale. That's what economists or housing market analysts will look at as a balanced market balance between supply and demand. We're at about two and a half months supply right now nationally and in many states it's much lower than that.   (00:09:56) - So there's just not much out here. And the only reason the inventory number looks as good as it looks and it doesn't look very good is because it's taking a little longer to sell properties once they hit the market. If you were looking at new listing data, it's even worse. There's very little inventory coming to market in the way of new listings, and that's because of the rate increases we talked about a minute ago. 90% of borrowers with a mortgage have an interest rate on that mortgage of 6% or less. 70% have an interest rate of 4% or less. If you're sitting on a mortgage rate of 3.5% and you sell your house and buy a house at the same exact price with a 7% mortgage, you've just doubled your monthly mortgage payment. It's not that people psychologically don't want to trade a low rate for a high rate. There's a financial penalty for them doing so. And until we see mortgage rates come down a bit, probably into the fives, we're just not going to see a lot of inventory coming to market except for homeowners who need to sell or have so much equity and maybe you're going to downsize into a smaller property that they don't care about that kind of shift.   (00:11:05) - Yeah, that is the mortgage rate lock in effect. Perfectly explain. And the Fed with the raising rates, they can crimp demand. But one thing that the Fed cannot do is create supply. As much as you might like to see Jerome Powell in work boots with a nail gun, that just doesn't happen. There's an image for you, for your listeners. Yeah, and I'm not sure I'd want to. I'd want to live in that house. That's not Chairman Powell building, but inspection. Yeah. Good economist. Maybe not a carpenter. We were talking about this a little bit earlier, too. And if you're an investor, this is probably worth noting, whether you're a fix and flip investor or investor who's buying properties to rent out a lot of the interest. This is from the sharing some data from Realtor.com and they've taken a look at where people are searching for properties and where transactions are taking place and they're finding that Midwest Southeast are really the hottest markets, places that are a little off the beaten path, you know, places in New Hampshire and Connecticut and Maine and Ohio and Wisconsin.   (00:12:06) - But interestingly, some of the markets that had been suffering a little bit, they're starting to see a little more interest in whether it's California, but off the coast or markets in Colorado or Washington state. But clearly, a lot of the activity, a lot of the money is moving into the Midwest, in southeast. That's right. With the work from anywhere trend, you might see this small flattening and not as much of a disparity in home prices between markets. You're certainly still going to see that, but that can just help create a mild flattening when it doesn't matter where you live anymore and you can go ahead and purchase in lower cost markets. Yeah, and what I'm sharing now is national home prices, home price. And I'm glad you mentioned what you just did, Keith, because the fact of the matter is this has been a very localized correction. And if you're in San Francisco or San Jose, if you're in Seattle, if you're in Austin, if you're in Phoenix, you're in markets where prices are off 10% or more from peak.   (00:13:06) - If you're in Boise, Idaho, you're off more than 10% from peak of Boise had oil prices go up by 47% in a single year, a year or so ago. So he just overshot the mark. One of the reasons the national numbers don't show more volatility is because of what Keith just mentioned. It's because people are trading in where they are in a high price, high tax state moving into a lower price state and candidly outbidding local buyers and probably overpaying a little bit for those properties. So you're seeing home prices go up in some of those less expensive markets much more rapidly than they would under normal circumstances. And what we're talking about here is national home prices that are appreciating at a modest rate now. Yeah, and they are. So if you look at whether you're looking at the Case-Shiller index, it gets published monthly or the National Association of Realtors data. We saw home price appreciation start to go down last year. It was still positive but going down and that was true until pretty much the end of the first quarter this year when the data went negative for the first time in years.   (00:14:15) - So we were seeing on both a month over month and year over year basis home prices go down and that happened until June, June, things flatlined in July. Prices actually went up ah, year over year. So if you're looking at the median home price compared to the peak price a year ago, it's actually up about 1% from where we were last year, which is kind of amazing. The Case-Shiller index is a little bit of a lagging indicator and it rolls three months together, but it also started to turn the corner with its July report. So after almost a full year of price appreciation coming down and prices in decline, we've seen both of these indexes turn and are starting to go positive. It does show you that there continues to be demand for properties that are brought to market. And while home price appreciation certainly isn't soaring by any means, it's back in positive territory now. And that's something that a lot of people hadn't predicted this year. When the supply of homes is this low, it keeps generating a few bids for any available home.   (00:15:21) - Now, not as many bids as it did back in 2021. But besides generating bids, you have these huge population cohorts of millennials and Gen Zers that are growing, and they're in their prime homebuyer years moving through the system to go ahead and place those bids and keep just modest home price appreciation here lately. That's sort of how I see it. Rick If you want to add any color or thoughts to that, I think you're spot on. Keith It's the largest cohort of young adults between the ages of 25 and 34 in US history. That's prime age for forming a household. 33 to 34 is the average age of a first time buyer right now. And so these people would like to buy a house. And for people who are investing in single family rental properties in particular, at least short term, the affordability issue is something that definitely works in your favor. If somebody was looking to buy a house, they might prefer to rent a house rather than rent an apartment. I've read research that shows somewhere between 20 and 30% of people who had planned to buy have decided to rent for the next year or two while market conditions settle down or while they can put aside more money for a down payment.   (00:16:27) - These market conditions are playing in favor of people who have rental properties to offer. One other metric I'd like to share in terms of home prices, Keith is the FHFa puts out its own index. FHFa is the government entity that controls Fannie Mae and Freddie Mac. So these are your conventional bread and butter, vanilla kind of 30 year fixed rate loans. If you look at their portfolio, home prices are actually up 3.1% year over year. And every sector of the country is showing positive rice appreciation except for the Pacific states and the mountain states. And those are some of the markets we talked about earlier. And even those are very close to breaking even at this point. So HFA breaks it into about ten regions, nine of those ten currently appreciating year over year. Yep, something like that important for you to know again as an investor as to what's happening in your region. Again, whether you're you're planning to sell the property or rent it out. You talked about what builders are doing for your investor folks.   (00:17:28) - Yeah, we're seeing new home sales actually improving to consumers as well for a lot of the same reasons, incentives. So a lot of builders are coming to the closing table with cash. They're paying points on mortgages and getting those rates down where they're short term or long term. They're offering discounts, they're offering upgrades to properties. And so new home sales are still down, but just slightly on a year over year basis and have actually been beating last year's numbers for the last four months. My original estimate for new home sales this year was about 600,000. I think we're going to probably coming closer to 675,000 this year. And the only reason we won't sell more is because the builders aren't building that fast enough. But one of the reasons people are buying these new homes is because that's what's on the market today. People would have bought an existing home, can't find one. Here's the other factor. New home prices are down 16.4% from last year's peak. Now, this is informative. Think this would surprise a lot of people? Well, it surprises me.   (00:18:28) - It should surprise people because new home prices almost always go up, right? This does not mean builders are discounting homes 16.4%. What's happening is they are building less expensive homes, They're less expensive per square foot, and they're building smaller homes. And they're doing that in acknowledgement of the higher cost of financing. That also, by the way, is in sending people to look at these properties as either a starter home or a minor move up kind of property. But it is one of the reasons why new home sales are doing better than existing home sales right now on a percentage basis. That's an interesting number, Rick. A few weeks ago, I shared with our newsletter audience that builders are building homes smaller and closer together, which might be reflected in lower prices, but just didn't think it would be 16.4% lower from peak. Now, if you're doing year over year, it's probably not that big of a drop, but from the peak price we are off. And it is to your point, it's a pretty significant number.   (00:19:26) - It would be a problematic number if it was the existing home market, right, because then you'd be looking at the same property being worth 16% less. But a builder can kind of play with those numbers a little bit. Single family housing starts after falling for quite a while, are now back going back up only slightly from where they were a year ago, but they are moving in the right direction. Multifamily starts have actually tailed off a little bit after reaching record high numbers. There could be as many as a million apartment units coming to market this year. Yeah, which would be an all time record. So we've seen building on those multifamily units slow down a little bit. If you look at at new home starts for single family properties still below where they were a year ago. But again, for the first time in quite a few months, starting to trend up. A couple of things to share with your viewers here, Keith. In terms of construction, we're seeing construction continue to grow in the multifamily market because of all the starts we saw previously.   (00:20:23) - We are seeing single family construction slowed down, but that's because the builders are working their way through a glut of homes that was under construction. So we had a really weird happenstance about a year ago, a little over year, we had the highest number of homes under construction ever. And this data goes back to the early 1970s, and we had the lowest number of completed properties available for sale ever. And a lot of that was due to supply chain delays and to labor shortages. And over the last year to 15 months, the builders have gradually begun working through this glut of homes that were started but not finished. And we've seen the number of completed homes go up a little bit, almost back to normal levels, not quite there. One of the reasons they're not quite there is people are buying these homes before they're completed. They're working with the builder. Buying a home is it's almost ready to go, but still under construction. What's been encouraging, looking into the future is that permitting has increased a bit over the last two quarters.   (00:21:24) - We know builders are betting on the future. They're not necessarily breaking ground on all these properties they have permits for because they don't want to oversaturate either. And they're being very judicious with their building because they got caught with a ton of inventory during the Great Recession that they wound up selling at fire sale prices. But the trends are long term, looking like they're going in the right direction right now for new homes. So to help the viewer and listeners chronologically, we're talking about housing permits followed by housing starts. And then finally, housing construction. Right? Permits are up, starts are up recently, but down year over year. And the construction numbers are getting back close to normal levels. And we need the builders to build more because even before the rate lock effect took effect and existing home inventory got so scarce we didn't have enough housing in the works, we were depending on whose numbers you believe, somewhere between 2 and 6 million units short. We need the builders to come back to market. Note for your folks.   (00:22:28) - Keith Investors continue to account for a fairly significant amount of activity in the residential market. Over a quarter of home purchases 26% in June, which is the most recent data we have, were made by investors and believe this number actually under reports the number of investor purchases because it's from a company called CoreLogic, it's accurate data for what they count, but they only count investor purchases where the buying entity has an LLC and LP Corp kind of entity. And we know that a lot of buyers don't do that who are investors. So it probably understates it. But the fact of the matter is that historically speaking, 26% of residential purchases being done by investors is pretty high number. That's a pretty high number and as you alluded to, is probably actually higher than 26% of home purchases being made by investors. And so the headlines will breathlessly tell you that Main Street is being gobbled up by Wall Street. Oh, I know. And those institutional investors are evil people. They're buying everything that the truth is is completely the opposite.   (00:23:31) - If you look at investors who are buying properties, it's really the small investors who are buying about 46% of those investor purchases and medium sized investors about 35%. If you're looking at the biggest of the big investors, they're buying less than 10% of what's going out today. And they still own collectively about 3% of the single family rental stock. It's the mom and pop investor who continues to drive the market. Yeah, I'm glad you bring this up, Rick, because there seems to be this outsized perception that institutional money through someone like, say, in Invitation homes is just gobbling up all the good investor homes. And and they're really not. It's mom and pop investors that rule. In fact, there's some legislation pending in D.C. right now that's aimed to keep these institutional investors from doing what they're already not doing and have some tax penalties for anybody who owns. Here's the number that's important. More than 50 properties well, Invitation Homes owns significantly more than 50 properties. I know a lot of medium sized investors who own more than 50 properties.   (00:24:36) - Yeah, they're certainly not institutional investors. They certainly don't have a hedge fund behind them. Important again, for folks in this market to be in touch with their legislators and let them know what's really going on in the marketplace so we don't get this kind of bad legislation. It makes it tough for the average investor to really take full advantage of the opportunities that are out there. 100%. Mom and pop investors might need more than 50 units to obtain financial freedom. Yep. Just to wrap up, Keith, a couple of points on delinquencies and foreclosures. I know a lot of investors got into the business, you know, a decade or so ago and there was just a rash of foreclosure activity and you could buy a distressed property by just walking down the street and knocking on doors. It's a little different these days because of that strong economy we talked about earlier. In that low unemployment rate. Mortgage delinquencies are at an all time low. Mortgage Bankers Association reported that the midpoint of this year, at the end of the second quarter, the total delinquency rate was 3.37%.   (00:25:36) - To put that in context, historically the number is somewhere between 4 and 5%. So not only are we not seeing a lot of delinquencies, we're seeing less than we would see normally as seriously delinquent loans. The ones that are 90 days plus past due is as low as we've seen it in probably the last 6 or 7 years. That's really interesting. So not very many homeowners are in trouble with making their payments, which to some people might seem like a conflict with what we described back in the earlier part of the chat about low savings and higher credit card debt. So many of these homeowners are locked in to these really low payments where they got low mortgage interest rates. Plus inflation cannot touch those fixed rate payments. And that's an important point for those people that are in these homes. It would be more expensive for them to go rent right now, probably because they got such a good deal on the mortgage rate. There's usually a pretty strong correlation between unemployment rates and mortgage delinquency rates. So I mentioned that the most recent report had unemployment at 3.8%.   (00:26:37) - I think at the end of June it was a 3.5%. So we might see delinquency rates tick up a little bit. There was also some really bad social media memeing going on during the government's mortgage forbearance program. There was even an economist who predicted that almost everybody who got a forbearance was going to go into default and that would have been a catastrophe. If you look back a little over a year ago, actually more like two years ago when there was there were a lot of people in forbearance. You saw delinquency rates very high, but that was because people were allowed to miss payments. They were just being counted by the industry as delinquent. The fact is that less than a half of a percent, less than one half of 1% of the borrowers who were in forbearance and there were 8.5 million of them have defaulted on their loans. The overwhelming majority have done very, very well with that program. So it really didn't contribute to any kind of delinquency or default activity. So strong economy, extremely high, low quality because lenders really haven't been making many risky loans since the Great Recession.   (00:27:40) - The record amount of of homeowner equity that's out there. Yeah. Is keeping this market pretty solid to the point where foreclosure activity today is still running at a little bit less than 60% of pre-pandemic levels. So in a normal market, about 1 to 1.5% of loans are in some state of foreclosure. In today's market, it's about a half a percent. So we're just not seeing much go into foreclosure and the properties that go into foreclosure. The homeowners have a significant amount of equity. 92% of borrowers in foreclosure have equity in their homes, which is wildly different from where we were during the great financial crisis, when a third of all homeowners were underwater on their loans. At just about everybody in foreclosure was upside down. And people push back at me when I'm out talking at conferences about this. Keith Oh, yeah, they have equity, but they don't have enough equity to make a difference. Oh, yes, they do. 88% of the borrowers in foreclosure have more than 20% equity. That's typically the magic number that a realtor will tell you you need in order to sell your property and avoid any other kind of complications with one of these foreclosures, preventing any sort of fire sale and lowering of prices that makes all home prices go down in a neighborhood where not anywhere near that.   (00:28:57) - No, not at all. And in fact, some other data that I'll share with you and your listeners is that about 62% of the distressed property sales we see right now are properties in the early stage of foreclosure prior to the foreclosure auction, which means these distressed homeowners are protecting their equity by selling the property before it gets sold at a foreclosure sale. And so they're protecting the vast amount of this equity. But if you're an investor in today's market, there's some really important information in what I just gave you. You can't wait for the bank repossession. In this cycle, bank repossessions are running 70% below where they were prior to the pandemic, so there's fewer properties getting to auction because 67% of these distressed property sales are prior to the auction. Properties that get to auction are selling through at about 60% rate. So there's nothing going back to the lenders. So if you want to buy a property in some stage of foreclosure, your best bet in today's market is to get a list of people in the early stages of foreclosure and reach out directly to them.   (00:30:01) - Your second best bet is to get to that foreclosure auction. Be ready to move at the auction, and your worst bet is to wait for the lender to repossess the property. And in fact, I've seen anecdotal data that suggests that those properties are actually more expensive than the ones you could buy from the homeowner or at the auction because the lenders are fixing them up and selling them at full market price. Good guidance for those chasing distressed properties. So that's what's going on in the foreclosure market. I don't see foreclosure activity being back to normal levels until sometime next year. And I don't see activity bank repossessions being back to normal levels even next year. It's a very different marketplace. This is what I was just talking about. Keith If you were to break up what selling and what stage of the foreclosure process right now, about 64% of distressed sales are taking place prior to the foreclosure auction and less than 20%. Distressed sales today are those background properties. So it's a very different world than what a lot of investors grew up in.   (00:31:03) - Rick is about to share his summary with us, his closing thoughts. Before he does that, I've got two questions for you, Rick. I hear some people out there, it seems to be oftentimes the real estate agent type, maybe that's trying to be a big cheerleader for the market. And I hear a few of them say something like, hey, you know what? You better buy now, because when mortgage rates fall, home prices are really going to shoot through the roof. I don't really know that that necessarily happens because when mortgage rates fall, okay, that might increase demand of capable homebuyers, but it should also increase supply. Now, the mortgage rate lock in effect, goes away and more people will want to bring supply onto the market. And I also like to think about what happens when rates are falling. Typically, that means the economy needs help and unemployment might be a little higher. So my thoughts, Rick, are if mortgage rates do fall substantially, that might help home price appreciation a little bit, but I don't see it as any sure thing that that would make home prices go through the roof.   (00:32:00) - What are your thoughts? It's a great question. You make a very logical argument. A lot of it comes down to supply. And that's where I would hedge my bets. I don't think we see a ton of supply come back to market until rates are back in the low fives. So there's a point and a half of interest going from little over seven to maybe 5.5%, where we're probably going to see more buyers come to market than we're going to see inventory come to the market. My other thought we touched on it earlier is with rents. Talk to me about the future direction of rents. They were horribly hot a year or two ago, up 15% year over year. Rents have moderated substantially. But with this really lousy home affordability and a high homeownership rate, it seems like with this low affordability, we're set up for the homeownership rate to go lower in the proportion that rent go higher, which could put upward pressure on rents over time here. What are your thoughts with rents? Yeah, offsetting what you just said is a record number of apartment units coming to market this year.   (00:33:03) - There are likely to be some markets across the country that wind up oversupplied because of the amount of inventory coming to market. Now, don't get me wrong, the inventory coming to market is going to tend to be expensive inventory. And so that in and of itself could make rent prices come up a bit. I do believe in the short term I would tend to agree with you that the lack of housing stock available for people who would like to buy is going to play in the benefit of the folks who own properties to rent. And that will, I believe, be particularly true for people that own single family residential units that are like houses to rent. I guess we're going to split the difference on these two questions. I'm going to mostly agree with you on the second one. I do believe there's a chance prices will go up a little bit more than you think as mortgage rates come down until we get down to about 5.5%, mortgage rates are lower when we see more of that inventory coming to market. And what is the real wild card in all of this, of course, is what happens with the overall economy.   (00:34:03) - Do we enter a recession? Does unemployment spike? If that's the case, that should weaken, demand a bit and you could have a little bit of an uptick in foreclosures, which will weaken the market as well. So a lot of different components at play. And I think what people ask you questions like that, Keith, about, you know, mortgage rates come down, is this going to happen? They kind of oversimplify the equation quite a bit. There are a lot of other variables that go into it. 100%. Why don't you go ahead and share your closing thoughts with us? A lot of stuff we covered, so I won't dwell on too much of this very long. But from my perspective, a recession is still a real possibility. Probably not until next year if we have one. And if we do, it's likely to be pretty mild and fairly short and we shouldn't see a huge, huge spike in unemployment. I do believe that as the Fed decides it's done raising the Fed funds rate and announces that we'll see mortgage rates gradually decline back toward 6% by the end of this year.   (00:34:57) - And we'll be back in the fives next year. And by the way, historically, every time the Fed has stopped raising the Fed funds rate, we have seen mortgage rates come back down. Existing home sales right now are on pace for their lowest number since 2009. Likely, we're going to see somewhere in the neighborhood of 4.2 million existing home sales. But we're likely to see more new home sales than a lot of people had forecast beginning of this year, maybe 650, 675,000 of those sales in 2023. And we've seen prices decline in the new home market, but they might have bottomed out in the existing home market because of the supply and demand thing that Keith and I have kind of beaten to death during this podcast. Again, importantly for this audience, investors continue to account for a very large percentage of residential purchases and a lot of you seem to be shifting toward buy and hold strategies, which again makes ultimately good sense in a market like today's. And then that anticipated wave of foreclosures that all those folks on YouTube were trying to sell you courses to figure out how to maximize never materialized.   (00:35:57) - And at least during this cycle, not likely to any time soon. Probably won't. Yes, A lot of people a couple of years ago, especially on YouTube, were talking about a certain price collapse is coming and it never happened. And I never saw how it would have happened and I never made those sort of dire predictions. Well, Rick, this was a great chat about the overall economy, the housing market and what investors need with the housing market. I'm sure our audience learned an awful lot. It was a terrific update. If our audience wants to learn more about you and kind of wish this chat would just go on and they could learn more about you and engage with your resources. What's the best way for them to do that? Well, you can certainly follow me on social media. I refuse to say my Twitter handle is just Rick Saga. I'm on LinkedIn to hard to find there. You can also check out my website which is Patrick. Com. Enjoy doing these conversations with you Keith.   (00:36:51) - Think the first time we talked you reached out because I had come down like the wrath of God on somebody who was predicting a housing price crash because I didn't see one coming either and thought he was doing investors a disservice. So keep the faith and keep the good fight going. Keith And I'll be here whenever you want to talk. Jerry Listeners can't stop talking about their service from Ridge Lending Group and MLS 42056. They have provided our tribe with more loans than anyone there truly a top lender for beginners and veterans. It's where I go to get my own loans for single family rental property up to four Plex's. So start your pre-qualification and you can chat with President Charlie Ridge personally, though, even deliver your custom plan for growing your real estate portfolio. Start at Ridge Lending Group. Com. You know, I'll just tell you for the most passive part of my real estate investing personally, I put my own dollars with freedom family investments because their funds pay me a stream of regular cash flow in. Returns are better than a bank savings account up to 12%.   (00:38:00) - Their minimums are as low as 25. K. You don't even need to be accredited. For some of them, it's all backed by real estate and I kind of love how the tax benefit of doing this can offset capital gains in your W-2, jobs, income. And they've always given me exactly their stated return paid on time. So it's steady income, no surprises while I'm sleeping or just doing the things I love. For a little insider tip, I've invested in their power fund to get going on that text family to 668660. And this isn't a solicitation If you want to invest where I do, just go ahead and text family to six six, eight six, six. Hi, this is Russell Gray, co-host of the Real Estate Guy's radio show. And you're listening to Get Rich Education with Keith Reinhold. Don't Quit Your Day dream. Yeah, terrific insight from Rick, as usual. It's remarkable how much this interview is aligned with what we're doing here. As Rick discussed how, though, it's a tough environment for homebuyers, it's better for investors, especially for single family rentals and especially in the Midwest and South are core areas.   (00:39:23) - It's a better market for the buy and hold investor than it is for flippers. It's a tough chase for flippers. Sometimes you don't flip the house, the house flips you. There are still so few homeowners in delinquency and foreclosure. Rick believes that when lower mortgage rates come, home, prices could appreciate more than I tend to think. We'll see how that turns out. And, you know, historically here, as we talk about the direction of home prices and the direction of rent growth Now with respect to home prices, when I provided you with the home price appreciation forecast, I keep somewhat undershooting. The market appreciation tends to outperform what I think by just a bit. Back in 2018, 2019, home price appreciation rates, they were just kind of bumping along at 4 or 5%. Back then, interest rates were super low, housing supply was more balanced. And I said right here on this show then about five years ago, that I don't see what will make home price growth like really accelerate or shoot up from here.   (00:40:32) - Well, then we had the pandemic, something that no one saw coming when the pandemic fog cleared. You remember that all here on the show in late 2021, I forecast 9 to 10% home price appreciation for the coming year, which back then I was talking about 2022. And then that appreciation rate for 2022 came in at 10.2%. Although I was close, I shot just a touch low. Now at the end of 2022, well, about nine months ago, I predicted zero home price appreciation for this year. As we near the fourth quarter, it looks like we'll get low single digit appreciation, but that remains to be seen. However, I've long been undershooting the market just a bit, though. Close and mortgage rates. No, don't even ask me. I don't try I don't make mortgage forecast. That is too hard to do. Making a mortgage rate prediction is almost like a certain way to be wrong. Although Rick and I talked about how this is a good market for investors, to my point from last week, in some markets, cash flow has become an endangered species with some of these increasing expenses for investors.   (00:41:46) - And again, I have some really good news for you here. We have largely solved that problem here at Gray of higher mortgage rates, hurting your cash flow. And that's why investors like you are still snapping up rental properties from Marketplace right now because of the strength of our marketplace network and relationships. Here we have a new build provider offering a mortgage rate to investors of 5.75%. Yes, they will see that your rate is bought down to 5.75%. In today's environment, another new build investment property provider is offering a rate buy down to 4.75%. Yes, you heard THAtrillionIGHT? And we have another builder provider where our investment coaches have been sharing with you a 2.99% seller financing option. There is more to it than that. And these builders, though they are in business to move property. So take advantage of it where you can. And besides buying down your mortgage rate for you like that, some are even waiving their property management fee for you for the first year. In addition to buying down the rate. I don't know how long all that's going to last, so this can be a really good time for you to contact your in investment coach.   (00:43:06) - Your coach will help you shop the marketplace properties, tell you where the real deals are and tell you how to get those improbably low mortgage rates for income properties. Today, your coach guides you and makes it easy for you If you don't have an investment coach yet, just go to Marketplace. Com slash coach and they're there to help you out. And marketplace properties they are often less expensive than elsewhere in addition to the low rates from some of the providers. But now you might wonder why often are the prices not always, but often, why are they lower? Well, first of all, investor advantage markets just intrinsically have lower prices than the national median. And secondly, there is no real estate agent to compensate with the traditional 6% commission, you are buying more directly. Thirdly, these property providers, they are not. And pop flippers that provide investors like you and other people where they just flip like one home a year instead. These are builders and renovation and management companies in business to do this at scale so they get to buy their materials in bulk, keeping the price lower for you.   (00:44:20) - And another reason that you tend to find good deals at Marketplace is that you aren't buying properties from owner occupants where their emotions get involved and they get irrational over there on the seller side. So you can go ahead and get started with off market deals at GRI, marketplace.com. If you'd like the free coaching from our investment coaches, then contact your coach. And if you don't have one yet again you can do that straight at GRI marketplace.com/coach that's an action item for you this week that your future self should thank you for until next week. I'm your host Keith Winfield. Don't quit your day dream.   (00:45:04) - Nothing on this show should be considered specific, personal or professional advice. Please consult an appropriate tax, legal, real estate, financial or business professional for individualized advice. Opinions of guests are their own information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of Get Rich Education LLC exclusively.   (00:45:32) - The preceding program was brought to you by your home for wealth building get rich education.

In this episode, Fr. John and Mary peer into God's Heart displayed for us through the prophet Isaiah, and ponder together the great news that He is not like us with regards to mercy and forgiveness. ====== Seeking to be even more encouraged and inspired? Follow our online streaming channel (https://watch.actsxxix.org). Visit us at our online site (https://www.actsxxix.org). Subscribe to our weekly communications (https://www.actsxxix.org/subscribe) Have a comment about this podcast? Contact us!

PLEASE SHARE THIS EPISODE LINK in your social media so others who loves strange and macabre stories can listen too: https://weirddarkness.com/archives/17361SOURCES AND REFERENCES FROM THE EPISODE…“Never Accept an Invitation to Labryrinth” by Redditor u/TheJesseClark: https://tinyurl.com/ulzymuk (Author website: https://www.thejesseclark.com)Visit our Sponsors & Friends: https://weirddarkness.com/sponsors Join the Weird Darkness Syndicate: https://weirddarkness.com/syndicate Advertise in the Weird Darkness podcast or syndicated radio show: https://weirddarkness.com/advertise= = = = = = = = = = = = = = = = = = = = = = = = = = = = = =Weird Darkness theme by Alibi Music Library. Background music provided by Alibi Music Library, EpidemicSound and/or StoryBlocks with paid license. Music from Shadows Symphony (https://tinyurl.com/yyrv987t), Midnight Syndicate (http://amzn.to/2BYCoXZ) Kevin MacLeod (https://tinyurl.com/y2v7fgbu), Tony Longworth (https://tinyurl.com/y2nhnbt7), and Nicolas Gasparini (https://tinyurl.com/lnqpfs8) is used with permission of the artists.= = = = = = = = = = = = = = = = = = = = = = = = = = = = = =OTHER PODCASTS I HOST…Paranormality Magazine: (COMING SEPT. 30, 2023) https://weirddarkness.tiny.us/paranormalitymagMicro Terrors: Scary Stories for Kids: https://weirddarkness.tiny.us/microterrorsRetro Radio – Old Time Radio In The Dark: https://weirddarkness.tiny.us/retroradioChurch of the Undead: https://weirddarkness.tiny.us/churchoftheundead= = = = = = = = = = = = = = = = = = = = = = = = = = = = = =(Over time links seen above may become invalid, disappear, or have different content. I always make sure to give authors credit for the material I use whenever possible. If I somehow overlooked doing so for a story, or if a credit is incorrect, please let me know and I will rectify it in these show notes immediately. Some links included above may benefit me financially through qualifying purchases.)= = = = = = = = = = = = = = = = = = = = = = = = = = = = = ="I have come into the world as a light, so that no one who believes in me should stay in darkness." — John 12:46= = = = = = = = = = = = = = = = = = = = = = = = = = = = = =WeirdDarkness® is a registered trademark. Copyright ©2023, Weird Darkness.= = = = = = = = = = = = = = = = = = = = = = = = = = = = = =This show is part of the Spreaker Prime Network, if you are interested in advertising on this podcast, contact us at https://www.spreaker.com/show/3655291/advertisement

First of a four-part series

“I just need to get through this quarter, THEN I'll....”“Explaining it takes too long + I really don't have the time”“They rarely do it right anyways…”^^^ these are SUPER common things I hear from high-achieving perfectionists who are used to doing it themselves and figuring it out alone. This works… until it doesn't. Until you burnout, are pulling insane hours or get passed over for a promotion.It doesn't have to be this way. Delegating and resourcing yourself are skills that are REALLY different than the incredible skills of “figuring it out and flying solo”.Go from resentful to resourceful knowing the No. 1 misconception perfectionist's believe about resourcing yourself and how to dissolve this back asswards thinking. If you're committed to being stronger, happier, braver, more resilient + want a revolutionary approach, I highly recommend joining  The Accelerator, 1-1 coaching for perfectionists who play to win.  Let's get started today at https://courtneylovegavin.com/accelerator EPSISODE TIMESTAMPS:00:00:00-Introduction00:01:41-The Covert Nature of Perfectionism 00:01:59-Uncovering Your Back-Asswards Thinking 00:02:09-Solving the Wrong Problem 00:02:45-Shifting Perspectives 00:03:50-Overcoming All-or-Nothing Thinking 00:05:16-The Journey from Interested to Committed 00:06:47-Invitation for Perfectionists committed to excellence 

Welcome to the Digging Deeper Jazz Podcast. This podcast was originally released on May 29, 2020 on the Jeff Antoniuk - Educator YouTube channel. Please subscribe to the YouTube channel and feel free to enjoy the video version as well.FOR ALL INSTRUMENTS!In episode #155, Jeff gives us a nice tour of Afro Cuban Bembé, the classic 12/8 groove we think of when we hear Afro Cuban jazz. And no, this is NOT just for drummers! Come on in, and get some great  practice tips on how to amp up YOUR rhythmic side of things.Mentioned in this podcast:• www.JazzWire.net - Since we announced JazzWire back in 2017, it has become an incredible Community of hundreds of adult musicians from over 25 different countries around the world. If you are looking for a plan for your practice, regular insights and wisdom on playing jazz, and a huge COMMUNITY of jazz players from around the world, this is the place for you! • Digging Deeper Jazz - All of the DDJ episodes include a pdf. Just write us at diggingdeeperjazz@gmail.com, and we'll offer you the pdfs in bundles of 50, or all 200 for a discount! We will also put you on the list to receive each new pdf, weekly.  Amazing practice ideas, every week, for free. What's not to love!?

Our lives change in a huge way when we have a baby...and not just the first one. But every single new baby brings about a new transition into a new and unknown motherhood.New is defined by Google as: not existing before; made, introduced, or discovered recently or now for the first time OR already existing but seen, experienced, or acquired recently or now for the first time.Unless you've had this exact pregnancy, delivery, and baby before we are new moms each and every time we bring a new baby into the world. Not to mention bringing home baby #2...5...or 8 to a home filled with 1....4....or 7 kids already makes this a brand new transition to a brand new motherhood.Our bodies have undergone immense change over months and an even more immense change in more than likely a much briefer amount of time and most of us feel the longing to have our body back immediately. Our mind is flooded with new emotions, feelings, and thoughts and often we're left alone to sift through them while caring for our people...especially if it's not our first baby. That moms aren't very well cared for in the 4th trimester. Not by themselves, not by their care takers, and not by the professionals. As a caveat, that's not to say that no one is amazingly self-aware or has a wonderfully helpful husband, or an amazing doctor or whole team of caring, competent staff....but the reality is, most mommas don't have these things after a baby.The care we often hear or receive sounds a bit like this...Just listen to your bodyLet me know if you need anythingRest when the baby restsAnd while these are always well meaning...they can feel overwhelming, confusing, unhelpful, or stressful.So we really contemplated how to approach this subject and in the midst of it, we thought a lot about what we would go back and tell ourselves in this stage. One of the most beautiful things we get to share with you on this podcast is the gift of support and community with fellow mommas. Today, we're not just sharing our own experience, but we're also sharing advice from some wonderful ladies who graciously answered our call to do the same. Invitation...If you know a post-partum momma, or you ARE a post-partum momma, we have something for you.  It's our best selling resource, The Deliberate Day Planner. It's a 12-week printable planner that will ground and structure your day within the chaos of transition.  It's going to remind you to choose yourself so you don't get lost in to-dos or other's needs. In the planner, you'll find space to …Prioritize yourself in the midst of the needs and demands of othersSet your prayer intentions for the day Write The Word or other daily inspirationPlan your morning, afternoon, & eveningSet realistic daily goals or to-do's and focus on your prioritiesMeal planCelebrate a win (which you will then share with us…of course)List your gratitudesYou can find a link to the planner right in the show notes, on our website under "shop", or in our link tree on Instagram.You're doing beautiful work momma!To find The Deliberate Day on Instagram, click here.Find the complete podcast notes on our website.Get your FREE Meal Planning Kit here.For the Favorites List, go here.If you're planning an adventure, you'll find the Ultimate Family Road Trip Guide here.

Annie F. Downs is an author, speaker and the host of That Sounds Fun podcast. She often describes herself as flawed but funny and loves to make sure that the goodness of God is evident in everyday life. As a communicator she extends this message into the heartbeat of her books, when she is sharing candidly on her podcast and when she is speaking to audiences everywhere. Annie's authenticity and genuine connection makes those around her feel like immediately friends. It's no wonder the ways God is using her life to communicate.In today's episode, Annie sits down with Grove friend + worship leader, Melodie Malone, to discuss leveraging your life for the gospel. Annie beautifully unfolds from both her own personal life and the stories of friends + family, on the goodness of God despite getting what you pray for - The age old tension of asking and not receiving. She masterfully helps us to understand that God is good and His plans are good for us despite the circumstances, then explains how community can helps us remember that even when the days get hard. To learn more about all Annie is doing, visit her at www.anniefdowns.com, follow her on IG @anniefdowns  or visit That Sounds Fun podcast for more conversations with Annie.The Grove is part of the Passion City Church family here in Atlanta, Georgia. Follow @pcc_thegrove on Instagram and visit thegroveonline.com for more information around The Grove heartbeat.