Podcasts about LC

These service members are now protected from the Department of Defense's abuse. Constitutional expert, lawyer, author, pastor, and founder of Liberty Counsel Mat Staver discusses the important topics of the day with co-hosts and guests that impact life, liberty, and family. To stay informed and get involved - visit www.LC.org

“Bienaventurada tú que has creído”, dice Isabel a María (Lc 1, 56). De Ella aprendemos a abrir palmariamente nuestro corazón al Dios en el que existimos, nos movemos y somos. Hombres de fe detendrán el avance del secularismo. Ejercitémonos en ella con una intensa vida eucarística, en las pruebas de la vida y en la caridad para con el prójimo.

One plaintiff's son was diagnosed in utero with a rare condition that only one of three babies survives. Constitutional expert, lawyer, author, pastor, and founder of Liberty Counsel Mat Staver discusses the important topics of the day with co-hosts and guests that impact life, liberty, and family. To stay informed and get involved - visit www.LC.org

LC talks about the magical 1980 season, doing an epic charity bike race from Philly to Florida with Tug McGraw and several other funny and poignant moments from that great era in Phillies baseball. To learn more about listener data and our privacy practices visit: https://www.audacyinc.com/privacy-policy Learn more about your ad choices. Visit https://podcastchoices.com/adchoices

It's a massive wake-up call for other employers who denied religious exemptions. Constitutional expert, lawyer, author, pastor, and founder of Liberty Counsel Mat Staver discusses the important topics of the day with co-hosts and guests that impact life, liberty, and family. To stay informed and get involved - visit www.LC.org

This class action settlement is the first against a private employer that unlawfully denied religious exemptions. Constitutional expert, lawyer, author, pastor, and founder of Liberty Counsel Mat Staver discusses the important topics of the day with co-hosts and guests that impact life, liberty, and family. To stay informed and get involved - visit www.LC.org

Hadist Arbain Ke- 2 (Part 1) Sumber : Muslimah Taklim Cyber Narasumber : Ustadz Hervi Firdaus, Lc

After five years and a 9-0 SCOTUS decision, this celebrated the first day free of unconstitutional viewpoint discrimination in Boston. Constitutional expert, lawyer, author, pastor, and founder of Liberty Counsel Mat Staver discusses the important topics of the day with co-hosts and guests that impact life, liberty, and family. To stay informed and get involved - visit www.LC.org

Pelagio, un monje de origen irlandés que vivió entre los siglos IV y V, afirmaba que no necesitamos una gracia especial para recibir la salvación, porque Dios nos ha dotado de suficientes facultades para que, con nuestro propio esfuerzo, logremos llegar a la vida eterna. El pelagianismo podría parecer algo olvidado en la noche de los tiempos. Pero no es así. Tanto el cardenal Ratzinger, después Benedicto XVI, como Francisco han denunciado un tinte pelagiano en el modo de pensar de algunos cristianos contemporáneos. Teniendo en cuenta las referencias de ambos, estas serían las características de los cristianos contaminados de pelagianismo: Quieren el orden puro: no el perdón, sino la justa recompensa. Entienden la relación con Dios como una cuestión de justicia, donde el perdón no tiene sentido. “Si yo cumplo, Dios debe darme, como justa recompensa, la salvación; y al que no cumple, la condenación”. Esto nos recuerda la parábola del fariseo y el publicano: «Oh Dios, te doy gracias porque no soy como los demás hombres, ladrones, injustos, adúlteros, ni aun como ese publicano. Ayuno dos veces por semana, pago el diezmo de todo lo que gano» (Lc 18, 11-12). Prefieren la seguridad a la esperanza, porque son incapaces de vivir la tensión hacia lo que debe venir y abandonarse a la bondad de Dios. Quieren estar en orden con la justicia divina: eso es lo que les da la seguridad. Esperar en la bondad de Dios, abandonarse en Él, confiar en Él… eso es muy incierto. Lo seguro es que las cuentas estén a mi favor. Les falta la humildad esencial para el amor: la de recibir dones más allá de su actuar y merecer. Entienden que Dios les dé ni más ni menos que lo merecido por sus obras. No son niños, no son humildes, para recibir el amor infinitamente generoso de Dios. Tienen el corazón duro hacia sí mismos, hacia los demás y hacia Dios. Con un duro rigorismo de ejercicios religiosos, oraciones y acciones, quieren procurarse un derecho a la bienaventuranza. Son duros consigo mismos porque se exigen mucho para tener más mérito ante Dios y ganar la salvación. Son duros e incomprensivos con los demás, a los que exigen, sin contemplaciones, una conducta como la suya. No quieren acoger al pecador, comprenderlo y ayudarlo con cariño. Y son duros hacia Dios, porque no se dejan querer por Él, no le dejan ser Padre, no le dejan ser Amor. El núcleo de este planteamiento: una religión sin amor. En el fondo, su religión está basada en la justicia entendida de modo legalista: pecado, castigo; obra buena, pago. No hay sitio para la misericordia. Tienen miedo a la gratuidad de Dios, que rompe los esquemas humanos de la conveniencia y la recompensa. No entienden la gratuidad. Quizá no han pensado siquiera que nuestra misma existencia es fruto de la creación por amor, y que seguimos existiendo porque Dios nos sigue amando. Dios nos da a nosotros mismos. Y con el ser, nos da todo lo demás, la inteligencia, la voluntad, los talentos que tenemos. Todo es suyo. Y además muere por nosotros en la Cruz, destruye nuestros pecados y nos eleva gratuitamente a la categoría de hijos, por la gracia. Y está siempre con nosotros, dándonos en cada instante las gracias que necesitamos para poder caminar hasta el Cielo. PARA LEER EL TEXTO COMPLETO DIRIGITE A MISIONEROS DIGITALES

Voltaaaaamos das férias, aqui no podcast, com tuuudo! Hoje, neste devocional, baseado no livro de Rute todo, explanei acerca do verdadeiro romance, o relacionamento que agrada a Deus, isto é, o romance bíblico. Embora eu não seja a pessoa ideal para falar no assunto, sobretudo por ser desprovida de experiência na área, Deus tem me ensinado a respeito nos meus devocionais diários. Neste episódio, é evidente diversos princípios bíblicos para um relacionamento à luz da bíblia, contudo, destacarei apenas três, través da vida prática de Rute: 1) Rute e Boaz vivenciaram na prática o que Jesus ensinou séculos mais tarde, isto é, sua ordenança "negue-se a si mesmo, tome a sua cruz e siga-me! (Lc 9:23)"; 2) Boaz demonstra, mediante seus atos, sua paixão por Rute e é atraído por ela, todavia, não pela sua beleza, tampouco pelo status, mas ao invés disso, pelo caráter piedoso e virtuoso em Deus que ela possuía, sendo este testemunhado por todos; 3) Deus tornou um futuro sem esperança e um presente aflitivo em dias frutíferos e exultantes, devido a fidelidade de Rute ao SENHOR. Portanto, um caráter piedoso e virtuoso em Cristo deve ser o que persuade ao romance, mas sobretudo, deve ser o fogo que mantém o verdadeiro amor vivo até o fim. Tudo isso e muuuuito mais neste episódio INUSITÁDO! Nos siga no Instagram: @peregrina_podcast Deus abençoe vc!

Mensagem transmitida pelo Pr. Igor Vidal Texto base: LC 22 : 55 - 61 Ceia do Senhor 07/08/2022

Ajuntar tesouros no céu | (Lc 12, 32-48) - Meditação da Palavra - Frei Gilson 07/08/22 --- Send in a voice message: https://anchor.fm/jlio4/message

Mensagem realizada no dia 07.08.2022 Tema: "O Conforto de Deus ao Coração Preocupado!" Pastor: Matheus Schmidt Leia em sua Bíblia: Lc 12.22-34

Meditación sobre las claves que enseña Jesús para atesorar en el cielo: ser como los siervos diligentes, como el administrador fiel y prudente. Lc 12, 32-48.

Lc 12,35-40: "Ustedes también estén preparados, porque el Hijo del hombre llegará a la hora menos pensada".

"Al que se le dio mucho, se le pedirá mucho" Lc 12, 40. --- Send in a voice message: https://anchor.fm/julio-cu00e9sar-ramos9/message

19º Domingo do Tempo Comum - HOMILIA DO DIA (07-08) Lc 12,32-48 Padre Mayron. Santa Missa dia 7 de agosto, sábado, direto da Co-Catedral Nossa Senhora das Graças com transmissão ao vivo na Rádio Diocesana Sintonia do Vale. Ouça nossa emissora em 98,9 FM e também no site https://www.sintoniadovale.com.br/

Bom dia! Meus irmãos, a paz seja com Todos. Meu nome é Carlos Chaves. Sejam Bem-vindos novamente ao Devocional Edificai. O texto que eu irei ler hoje, está no livro histórico de Atos, no capítulo 19:11-20 A bíblia narra uma história dos “sete filhos de ceva, um dos principais sacerdotes” (At 19:14), filhos que, na prática, deveriam ser tementes a Deus, modelos para outras famílias e respeitosos por ser filhos de um homem conhecedor das escrituras e de tamanha importância para a área religiosa. Quando a bíblia fala sobre a responsabilidade do pai, ela declara: “Deve liderar bem a própria família e ter filhos que o respeitem e lhe obedeçam.” (1 Tm 3:4) Esses meninos usaram da sua artimanha para brincar com o mundo espiritual dizendo: “Ordeno que saia em nome de Jesus, a quem Paulo anuncia!” (V.13) E o demônio que possuía o homem replica: “Eu conheço Jesus e conheço Paulo, mas quem são vocês?”. (V.15) Os filhos de Ceva apanharam do homem possuído, saíram feridos e correndo nus. Que vergonha para o pai esse acontecimento terrível com esses meninos, mas a história não para por aí, tal atitude gerou temor no povo. A notícia do ocorrido se espalhou rapidamente por toda a cidade de Éfeso, tanto entre judeus como entre gregos, e sobre eles veio um temor reverente, e o nome do Senhor Jesus era engrandecido. Muitos dos que creram confessaram suas obras pecaminosas. Vários deles, que haviam praticado feitiçaria, trouxeram seus livros de encantamentos e os queimaram publicamente. O valor dos livros totalizou cinquenta mil moedas de prata. Assim, a mensagem a respeito do Senhor se espalhou amplamente e teve efeito poderoso. (V.17-20) As lições que extraímos desses versos são: Não devemos brincar com o mundo espiritual, de forma alguma, nós devemos estar cheios e revestidos do Espírito Santo para expulsarmos demônios no nome de Jesus, e não no nome de um pastor ou líder, pois a escritura nos afirma: “Jesus deu-lhes poder e autoridade para expulsar todos os demônios e curar doenças.” (Lc 9:1) Nós não temos poder algum, mas Deus: “É capaz de fazer infinitamente mais do que tudo o que pedimos ou pensamos, de acordo com o seu poder que atua em nós.”' (Ef 3:20) Carlos Chaves — Clube de Leitura IEQ Devocional Edificai IEQ Sede — Hortolândia/SP

07 de agosto, 19º Domingo do Tempo Comum, Dia da Vocação dos Ministros Ordenados -

Lc 9,28b-36

"Vous aussi, tenez-vous prêts" Méditation de l'évangile (Lc 12, 32-48) par le père Sébastien Antoni Chant final: "Là ou est ton trésor" par la chorale de jeunes de la Mission Timothée

Prazer celestial x prazeres deste mundo | (Lc 9, 28-36) - Meditação da Palavra - Frei Gilson 05/08/22 --- Send in a voice message: https://anchor.fm/jlio4/message

06 de agosto, Festa da Transfiguração do Senhor -

"Pendant qu'il priait, l'aspect de son visage devint autre" Méditation de l'évangile (Lc 9, 28b-36) par Mgr Emmanuel Gobilliard Chant final: "Celui-ci est mon fils bien-aimé" Choeur Cantemus Domino

These bans injected a government mandated ideology to override the counselor and the client. Constitutional expert, lawyer, author, pastor, and founder of Liberty Counsel Mat Staver discusses the important topics of the day with co-hosts and guests that impact life, liberty, and family. To stay informed and get involved - visit www.LC.org

God received the glory as the Christian flag was finally raised on the flagpole. Constitutional expert, lawyer, author, pastor, and founder of Liberty Counsel Mat Staver discusses the important topics of the day with co-hosts and guests that impact life, liberty, and family. To stay informed and get involved - visit www.LC.org  

In this episode I'm joined by author, Award-winning audiobook narrator and actor, Julia Whelan, who wrote the new romance book, “Thank You For Listening".  I first heard of Julia when she narrated "Gone Girl" in 2012 - but she later went on to win multiple Audie Awards for her narrations of "Educated", "The Witness", "My Year of Rest and Relaxation" and so much more. Her debut romance novel, "My Oxford Year" is one of my favourite love stories I've ever read - so getting to chat with her about her prolific career is such a dream come true!!    This book is a true love letter to romance books in all its forms! First of all - the love story is between two romance audiobook narrators. Wrap your head around that!!! Second of all, there are SO MANY tropes in here - it's heaven. There's nothing like a romance book that pokes fun of romance books and that's a hill I'll die on.   I had the absolute best time connecting with Julia, and am so excited for her next potential story... which all of you who have read "Thank You For Listening" will be GUSHING OVER! Tune into this episode to find out what I'm talking about :) ♡ ♡ ♡ ♡About Get Lit With Lianna: The Podcast      Join Instagram book content creator @getlitwithlianna as she sits down with a different guest author to chat about their books, writing career, and everything in between! Of course each conversation will have a very *LC* touch - aka crying over book boyfriends, marvelling over swoony moments, and obviously a ton of pop culture references!⁣      Follow me!  Instagram: www.instagram.com/getlitwithlianna  Goodreads: www.goodreads.com/getlitwithlianna      Email me: liannareadsbooks@gmail.com

This ruling is a direct result of the High Court overturning Roe and Casey. Constitutional expert, lawyer, author, pastor, and founder of Liberty Counsel Mat Staver discusses the important topics of the day with co-hosts and guests that impact life, liberty, and family. To stay informed and get involved - visit www.LC.org

This week on Cobras & Fire. Stadium Tour dynamic ticket pricing update. Tommy Lee fakes the drums. LC attends a cornhole tournament. Bakko puts ramps in his house. Pantera reunites. Home brewing beer is no longer cool.  KISS announces another 100 shows. Sam Loomis goes dark.  Nita Strauss has a new job. Geoff Tate takes us on a guided horseback tour of Montana ghost towns. And an ode to the recent passing of producer Michael James Jackson. The perfect ep for people with too much time on their hands. Pantheon Podcasts, Podcasts for music lovers MusicDef Leppard - Rock of AgesJimmy Hendrix - Ezy RiderBobaflex - I'll Blow Your Dreams Into The SkyShinedown - The Saints of Violence & InnuendoKISS - Dance All Over Your FaceBlacktop Mojo - Strike MeY & T - Summertime GirlsAbrams - Like Hell 

This week on Cobras & Fire. Stadium Tour dynamic ticket pricing update. Tommy Lee fakes the drums. LC attends a cornhole tournament. Bakko puts ramps in his house. Pantera reunites. Home brewing beer is no longer cool.  KISS announces another 100 shows. Sam Loomis goes dark.  Nita Strauss has a new job. Geoff Tate takes us on a guided horseback tour of Montana ghost towns. And an ode to the recent passing of producer Michael James Jackson. The perfect ep for people with too much time on their hands. Pantheon Podcasts, Podcasts for music lovers MusicDef Leppard - Rock of AgesJimmy Hendrix - Ezy RiderBobaflex - I'll Blow Your Dreams Into The SkyShinedown - The Saints of Violence & InnuendoKISS - Dance All Over Your FaceBlacktop Mojo - Strike MeY & T - Summertime GirlsAbrams - Like Hell 

Clients have the right to self-determination. Constitutional expert, lawyer, author, pastor, and founder of Liberty Counsel Mat Staver discusses the important topics of the day with co-hosts and guests that impact life, liberty, and family. To stay informed and get involved - visit www.LC.org

Hey everyone, if you want to help out the Catfish Weekly channel, here is our PayPal link Donations appreciated paypal.me/catfishweekly Contact us at catfishweeklytv@gmail.com Lyle's tackle & equpitment DriftMaster Rod Holders, simply the best, PERIOD Suffix 832 braaid line. Patriot Custom Floats Eagle Claw L197 7/0 and 8/0 hooks Eagle Claw 2022 10/0 hooks Gama Big River 10/0 hooks Abu 6500 LC reels D&L Custom Livewell Blackhorse Rods Pro Drift Bumping rods 7'6” Blackhorse Rods channel cat edition rods, 7'6” 12-25 line class, graphite 1-4 ounce weight, medium heavy action, medium power, Blackhorse Rods drifting/dragging rods, 7'6” 40/60 line class graphite, 2-6 ounce weight, medium heavy action, heavy power Blackhorse drifting/dragging rods, 7'6” & 8” 30/60 line class Eglass heavy action, Xheavy power Tracker Marine Tundra boat with a 125 Mercury motor Chads Equiptment Uncle Lou's rods https://www.facebook.com/uncleloustac... Big Cat Fever Rods Chubby fish terminal tackle (chubby knockers, barrel swivels, quick clips) https://www.facebook.com/chubbyfishou... Reel em up dragging sinkers https://www.facebook.com/REELEMUPLLC/Total weight sinkers https://www.facebook.com/TidalWeightS... Mustad 10/0 perfect demon circle hooks Eagle claw 197 8/0 circle hooks Abu Garcia 6500 & 7000 reels https://andemonofilament.com/products...

https://iglesiacristianalaserena.cl/ Evangelio de Mateo, Capítulos 1 -14 Evangelio de Mateo, Capítulos 15 -28 En este episodio se estudiará el siguiente texto del Evangelio de Mateo: Mateo 7:15-20 - Por sus frutos los conoceréis. Falsos profetas y maestros - (Lc. 6.43-44) "15 Guardaos de los falsos profetas, que vienen a vosotros con vestidos de ovejas, pero por dentro son lobos rapaces. 16 Por sus frutos los conoceréis. ¿Acaso se recogen uvas de los espinos, o higos de los abrojos? 17 Así, todo buen árbol da buenos frutos, pero el árbol malo da frutos malos. 18 No puede el buen árbol dar malos frutos, ni el árbol malo dar frutos buenos. 19 Todo árbol que no da buen fruto, es cortado y echado en el fuego. 20 Así que, por sus frutos los conoceréis." --- Send in a voice message: https://anchor.fm/iglesia-icls/message

The unconstitutional Obergefell decision is hanging by a thread. Constitutional expert, lawyer, author, pastor, and founder of Liberty Counsel Mat Staver discusses the important topics of the day with co-hosts and guests that impact life, liberty, and family. To stay informed and get involved - visit www.LC.org

En un muladar un día cierta vieja sevillana, buscando trapos y lana, su ordinaria granjería, por acaso vino a hallarse el pedazo de un espejo, y con un trapillo viejo lo limpió para mirarse. Viendo en él aquellas feas quijadas de desconsuelo, dando con él en el suelo, le dijo: —¡Maldito seas, y en quién me vine a mirar! ¡A fe, loco antojadizo, que supo bien lo que hizo quien te echó en el muladar! ¡Qué fácil es identificarnos con la anciana de este amargo romancillo escrito con singular acierto por el célebre poeta sevillano Baltasar del Alcázar! Sin duda todos alguna vez hemos querido tirar a la basura un espejo insufrible de nuestra vida. Por eso otro poeta llamó al espejo: «Testigo mudo, confidente helado.» Porque si bien el espejo se compra en sentido literal, no se puede comprar en sentido figurado, ya que no admite arreglo alguno. De ahí que diga el refrán: «Lo que te diga el espejo, no te lo dirá el concejo.»1 Afortunadamente para nosotros, cuando nos mira Dios como nuestro Creador, no nos ve como nos vemos nosotros frente a un espejo. Él no se fija en nuestras imperfecciones externas sino en nuestro fuero interno,2 porque a Él le importa lo que somos y no lo que parecemos ser. Y por si eso fuera poco, cuando nos mira Dios como nuestro Padre celestial, nos ve así como los padres aquí en esta tierra vemos a nuestros hijos recién nacidos: ¡como las criaturas más bellas del mundo! Esa tendencia a ver el atractivo en nuestros hijos la heredamos de Él, ya que nos creó a imagen y semejanza suya. Sin embargo, el que Dios nos mire con buenos ojos no quiere decir que no haya nada en nosotros que Él no quiera cambiar. Al contrario, como Él nos conoce a fondo, quiere transformar nuestra naturaleza pecaminosa para que ésta no le impida ver reflejada en nosotros su propia naturaleza. Por eso nos envió a su Hijo Jesucristo, quien se hizo como un espejo para nosotros a fin de que nosotros pudiéramos ser como Él.3 De modo que podemos tomar a Cristo como nuestro espejo divino, sólo que, a diferencia de los demás espejos, Él no reproduce una imagen desagradable como la nuestra sino su propia imagen atractiva. Y lejos de ser un espejo común y corriente, que no perdona, Él perdonó hasta a quienes lo clavaron en la cruz, donde selló nuestro perdón de una vez y para siempre.4 Como espejo perfecto que es, Cristo nos ama con un amor perfecto.5 Pero no condiciona ese amor a que nosotros seamos perfectos, sino que nos lo muestra cuando más imperfectos nos vemos.6 Por eso nos mira y nos dice: «¡Lo que más vale no es que seas perfecto sino perdonado! Acepta el perdón que te ofrezco, y te transformaré a mi semejanza de modo que reflejes mi gloria.»7 Carlos ReyUn Mensaje a la Concienciawww.conciencia.net 1 Luis Junceda, Del dicho al hecho (Barcelona: Ediciones Obelisco, 1991), p. 171. 2 1S 16:7 3 Ro 8:29; Jn 1:14 4 Lc 23:34 5 1Jn 3:16; 4:9‑10 6 Ro 5:8 7 2Co 3:18

Lc 12,13-21. En aquel tiempo: Uno de la multitud le dijo: "Maestro, dile a mi hermano que comparta conmigo la herencia". Jesús le respondió: "Amigo, ¿quién me ha constituido juez o árbitro entre ustedes?". Después les dijo: "Cuídense de toda avaricia, porque aún en medio de la abundancia, la vida de un hombre no está asegurada por sus riquezas". Les dijo entonces una parábola: "Había un hombre rico, cuyas tierras habían producido mucho, y se preguntaba a sí mismo: '¿Qué voy a hacer? No tengo dónde guardar mi cosecha'. Después pensó: 'Voy a hacer esto: demoleré mis graneros, construiré otros más grandes y amontonaré allí todo mi trigo y mis bienes, y diré a mi alma: Alma mía, tienes bienes almacenados para muchos años; descansa, come, bebe y date buena vida'. Pero Dios le dijo: 'Insensato, esta misma noche vas a morir. ¿Y para quién será lo que has amontonado?'. Esto es lo que sucede al que acumula riquezas para sí, y no es rico a los ojos de Dios". Voz y Meditación Fr Pedro Brassesco. www.rosariodelaaurora.org

31 de julho - 18ª Domingo do Tempo Comum

"Ce que tu auras accumulé, qui l'aura ?" Méditation de l'évangile (Lc 12, 13-21) par Mgr Emmanuel Gobilliard Chant final: "Me voici, Seigneur" par la communauté de l'Emmanuel

The First Amendment required then Gov. Steve Beshear to accommodate her sincere religious beliefs. Constitutional expert, lawyer, author, pastor, and founder of Liberty Counsel Mat Staver discusses the important topics of the day with co-hosts and guests that impact life, liberty, and family. To stay informed and get involved - visit www.LC.org

"Marthe, Marthe, tu te donnes du souci et tu t'agites pour bien des choses"Méditation de l'évangile (Lc 10, 38-42) par le père Nicolas de BoccardChant final: "Ecoute la voix du Seigneur" par l'ensemble Vocal l'ALLIANCE

Twenty attorneys general sued to protect women in sports and in female-designated showers and locker rooms. Constitutional expert, lawyer, author, pastor, and founder of Liberty Counsel Mat Staver discusses the important topics of the day with co-hosts and guests that impact life, liberty, and family. To stay informed and get involved - visit www.LC.org

In this episode of Podclast, Cla reveals how lying to impress someone made him feel like such a dirty liar. How london slang makes him feel like he's still in the LC and also how nice it is to go to a museum that dosent have the question , that it may have been funded by nazi gold. The film is an Australian crime tour de force and the book is a cycling tour de france, only joking it's a comedian'S memoir...well memoirish, so strap on…I mean in, for another episode of the Podclast.

Thousands of these service members have been denied their religious exemptions. Constitutional expert, lawyer, author, pastor, and founder of Liberty Counsel Mat Staver discusses the important topics of the day with co-hosts and guests that impact life, liberty, and family. To stay informed and get involved - visit www.LC.org

Mat Staver is Founder and Chairman of Liberty Counsel. He is a constitutional attorney with three landmark cases before the U.S. Supreme Court.--The sanctity of marriage is under attack by the current Congress. Last week 47 Republican House members abandoned their party platform, traditional values, and the very essence of marriage as ordained by God to join forces with liberal Democrats in an effort to destroy the Defense of Marriage Act which was passed with a large bipartisan majority and signed into law by former President Bill Clinton.--It appeared that's where the act would stop until now as steam is picking up in the U.S. Senate. It seems a number of Republican senators are also willing to jump ship as the ship plots a course to run aground to the peril of the nation.--More information---LC.org

Ryan Bomberger explains how abortion is actually slavery. Constitutional expert, lawyer, author, pastor, and founder of Liberty Counsel Mat Staver discusses the important topics of the day with co-hosts and guests that impact life, liberty, and family. To stay informed and get involved - visit www.LC.org

Ryan Bomberger shares his incredible story that refutes a common narrative to justify abortion. Constitutional expert, lawyer, author, pastor, and founder of Liberty Counsel Mat Staver discusses the important topics of the day with co-hosts and guests that impact life, liberty, and family. To stay informed and get involved - visit www.LC.org

Mat Staver is Founder and Chairman of Liberty Counsel. He is a constitutional attorney with three landmark cases before the U.S. Supreme Court.--The sanctity of marriage is under attack by the current Congress. Last week 47 Republican House members abandoned their party platform, traditional values, and the very essence of marriage as ordained by God to join forces with liberal Democrats in an effort to destroy the Defense of Marriage Act which was passed with a large bipartisan majority and signed into law by former President Bill Clinton.--It appeared that's where the act would stop until now as steam is picking up in the U.S. Senate. It seems a number of Republican senators are also willing to jump ship as the ship plots a course to run aground to the peril of the nation.--More information---LC.org

https://iglesiacristianalaserena.cl/ Evangelio de Mateo, Capítulos 1 -14 Evangelio de Mateo, Capítulos 15 -28 En este episodio se estudiará el siguiente texto del Evangelio de Mateo: Mateo 7:13-14 - La puerta estrecha y el camino angosto - (Lc. 13.24) "13 Entrad por la puerta estrecha; porque ancha es la puerta, y espacioso el camino que lleva a la perdición, y muchos son los que entran por ella; 14 porque estrecha es la puerta, y angosto el camino que lleva a la vida, y pocos son los que la hallan." --- Send in a voice message: https://anchor.fm/iglesia-icls/message

Using an LLC is a powerful way to protect yourself from the liabilities inherent in owning rental property. We have had the discussion of whether you should use an LLC or an umbrella policy on the show before so we will dive into the details of setting one up. Today, Emil asks Michael about the process of creating and managing LLCs in regard to real estate investing.   Before we jump into the episode, here's a quick disclaimer about our content. The Remote Real Estate Investor podcast is for informational purposes only, and is not intended as investment advice. The views, opinions and strategies of both the hosts and the guests are their own and should not be considered as guidance from Roofstock. Make sure to always run your own numbers, make your own independent decisions and seek investment advice from licensed professionals.   Emil: Hey, everyone, welcome back for another episode of the Remote Real Estate Investor. My name is Emil Shour and today I'm joined by…   Michael: Michael Albaum   Emil: and on this episode, I'm going to be putting Michael in the hot seat and asking him questions about putting his properties in an LLC. We'll quickly cover why he did it and then I'm just going to ask him how he did it, what he learned what tips he can offer you. So that if it's something you've been interested in, you have a step by step guide on how to do it. So let's hop into this episode.   Before we hop into it, what's up, man? It's been it's been a while since we recorded up so…   Michael: I do I know it's been a minute I'm doing well, thanks. Trying to get some financing lined up on these three multifamily that I got the rug pulled out from under me on so still working through that but construction project, the rehab projects almost done, which I've been told is almost done for a while now. So I'm not really holding my breath but really I think this time for real is almost done. So let's get to you Emil, how about yourself?   Emil: I think you when we started this show like two years ago, you told me it was almost done. So I don't know if that's true.   Michael: That's true, I believe it…   Emil: I hope, I hope it finishes soon.   Michael: Thank you me too.   Emil: Good. My update with me, we are still selling the Jacksonville property. We just got it under contract but a week and a half ago, I want to say we did inspect the buyer scheduled inspection on Thursdays so I should probably be hearing back from my agent like today or tomorrow on I'm sure you know what, what they want to knock the price down based on seeing the inside, which I knew going into it like, once the inspection is on the inside, you know, we've had a tenant there for five years there. They're definitely gonna want some. They're gonna ask for something. So I'm expecting it. We'll see how that goes.   Michael: Okay, cool. Well, keep me posted, let me know how it all shakes out.   Emil: Yeah, man. Absolutely, so this episode, you know, a lot of people think in in a previous episode we covered what should you do an LLC? Should you put your properties just get umbrella coverage. In this episode, we're going to really just focus on like the steps that you personally took on setting up an LLC getting your properties in things, you learned mistakes, you made all that stuff but before we hop into like the how can you briefly give us the why, like, why did you decide to set up an LLC and put your properties in it?   Michael: Yeah, totally. So I grew up in the insurance world. Next question. So like, it's, it was something that I grew up around, like segregating assets, and like, understanding what risk is and how to mitigate risk and so that's really, from my perspective, what an LLC is used for, you put things into an LLC, that's bucketed and so that's kind of the limit of your exposure and so I used to work as a fire protection engineer and the commercial property insurance industry and that's also kind of on the physical side of things, what we would do, we would say, okay, how bad can a fire get and can we physically build a building and put systems in place that will contain that fire, so it doesn't spread to the rest of the stuff because if you have a small fire, it's usually not a big deal. If it's contained, it's not necessarily the end of the world versus if you burn, burn the whole plant down, that can be very problematic. So same kind of thinking can be applied to asset protection from the real estate investing side of things.   So it just made sense to me to bucket things in their own bucket, and keep them totally separate from my own assets. So therefore, if I did have a fire, quote, unquote, metaphorically speaking, or physical one, as any listeners of the pod know, that I've had to, it doesn't affect the rest of my building, so to speak, the rest of my net worth or my nest egg. So just keeping things separate made sense to me and so there's financial burdens that go along with that in order to have own and maintain an LLC. There's a cost associated with that. That overhead was worth it to me to mitigate that risk exposure.   Emil: Yep, makes sense. So did you did you set up an LLC before you bought your first property? Did you buy a property and then like quitclaim it in? What was what was your timeline for LC?   Michael: Yeah, so my very first two properties were Southern California single family homes, and so they didn't cashflow very much. If you live in California, the LLC has to be registered in California from everything I've been told and heard, if someone has a way around that I've been asking for years, let me know, I would love to not have to give California State Government 800 bucks a year per LLC. So those first two investments, I just had my personal name, I had high liability limits on the insurance policies themselves, like on the dwelling itself and then I also got an umbrella that sat on top of that, because that just made me comfortable on an umbrella for anyone who doesn't know what it is. It's basically a liability only policy that will sit on top of your existing policies and give you have limits across the entire portfolio and so the dwelling policy itself has a liability limit attached to it and so for me, I think I had like $2 million of coverage, or maybe 1 million on the dwelling and then I had an additional, I think, one or 2 million as an umbrella and so that can be applied across multiple properties but that dollar limit is like all that the insurance company would pay out in in any given occurrence and they also have an annual limit that they'll pay out in any given year.   Emil: Right, that's my current setup, I never LLC seed, I wanted to at some point, but…   Michael: Oh, good verb.   Emil: What LLC seed?   Michael: Yeah, you heard it here first folks, see new, new real estate investing verb…   Emil: Yeah, don't trust the words that make up. So I wanted to, but decided to just, I had an umbrella policy from the beginning on top of, you know, regular rental property insurance. So that's still my setup.   Michael: I think it makes sense for a lot of people and so you have to like understand what is entailed and what are the risks and benefits of having an LLC versus not having an LLC and just weigh the pros and cons? I definitely don't think it's you, like, thou shalt have an l like, no, you don't, I don't think you need one, necessarily. You just have to make sure that you understand again, what are the pros and cons for your situation and so it wasn't until I bought my third property and that was out of state that the cash flow cumulatively between all three was enough to support the 100 bucks a year payment. So that's when I did the whole LLC thing.   Emil: Yeah. Yep, that makes sense. I probably say, this is just my opinion, not legal advice, or anything. I probably say, once you're, when I did it, my net worth wasn't very big. I didn't feel like I had a lot to lose. I feel like when you start having more to lose, right, you're like, someone could personally come after more, probably a very, very good idea to make sure you have an LLC. So at the bare minimum, that's, you know, my opinion.     Michael: Yeah, totally and I mean, talk to like, talk to a legal expert, and get an understanding because they can really give you the breakdown, hey, this is this is what's exposed, or this is what's protected with an LLC, because the one thing I really hate to see as someone open an LLC, especially themselves think that they're totally protected, and then get totally shafted, you know, in a lawsuit or that sort of thing. So you really want to understand because you're setting up this system to protect yourself and your family and the assets, like spend the extra couple 100 bucks, whatever it is to do it right, and make sure that truly you have an understanding and a grasp of what is this doing and what are its limitations?   Emil: For sure, so that's a good segue. So at what point did you decide to LLC you, about the SoCal properties, didn't have an LLC.   Michael: So it was after that third, the third property that I purchased at a state, the cashflow was then enough on that, and then the other two, cumulatively to support that 800 bucks a year LLC payment to California. So at that point, I said, okay, let's move everything, put it into the LLC and now that'll kind of be its own standalone thing and so that that just made sense at the time and so I kept a very similar insurance policies structure, where I had the same liability limits on the property itself and then I also had the umbrella for the LLC that sat over those three properties.   Emil: Got it, okay…   Michael: Because I'm neurotic.   Emil: So, I think you're just being smart. So walk us through that you because now that you have properties, you have to do what's called a quitclaim of the deed, right from your name into the LLC. So we'll get to that but what did you do? Did you hire a lawyer? Did you just go on, like Rocket Lawyer or one of those online? How did you do it?   Michael: Yep. So I did it myself. I went on, like I think was like LegalZoom, or one of those type situations where you can set up your own LLC. In hindsight, I probably wish I had used an attorney, just because it was totally brand new and I was worried about making the wrong choice or selecting the right things. So in hindsight, I wish I would have spent the extra money just to have it done, right but for the quit claiming process, I use an attorney and we've had her on the podcast before Kelly Chrisman. She's amazing, she's awesome, really well versed and all this sort of stuff. So for the two properties I owned, I quit claimed those into the LLC and for this third property, I knew I wanted to basically start an LLC to take property ownership and so I actually did that concurrently, while I was in escrow and got the LLC opened before the property closed. So that actually took title directly from the seller into the name of the LLC. Because the more you can keep your name off the chain of title, apparently that's more beneficial. So I was like, okay, like, I'll just do that because I wanted to do it anyhow. So instead of closing in my personal name, and quit claiming, I just went straight to the LLC and it was a private lending note. So that was no problem to close from the lending perspective in the name of the LLC   Emil: God, okay, so that's, that was gonna be my next question is like, what are the differences in, like the process, when you buy in your personal name, I think you've highlighted on the first one, you can get a loan based on you, you as the individual, when you get in an LLC, it's a little bit different, right?   Michael: Right, so my understanding and definitely chat with your lending partners professionals out there, but my understanding is that like the government subsidized conventional loans, the Fannie Freddie type products cannot be titled in the name of the LLC, they're not going to lend to the LLC, they're going to lend to Emile Shour, or Michael Albaum, or Pierre Carrillo as individuals, not as entities can, commercial mortgages, totally different space, different ballgame, we actually just recorded a podcast with a commercial lender and a conventional lender, their husband and wife team and so that was really interesting to kind of get both sides of that coin but if you're going to get a non-conventional mortgage, you can likely get one in the name of your LLC, or some sort of business entity and so I would just simply ask your lender, hey, this is what I'm trying to do. This is the goal I'm trying to accomplish. What's the best way to do this and if they say, well, you need to close in the name, or your personal name and you eventually want to get it to the LLC, ask them oh, hey, can I transfer to the LLC after the fact? Some lenders will say, no, you may not. Others might tell you, yeah, the loans closed, do whatever you want, we don't care. So that might affect your lending decision of who you ultimately get financing through because if someone tells you no, don't do that, do you really want to go get that loan from that lender might kind of make you take pause and think twice about it.   So again, be super forthcoming with all the information, give them the goals, the strategies, the hopes, the wants to dreams, so that they can really help structure what loan product makes sense for you because if we just give them the transaction piece of it, and we're going to do something different down the road, it just, they're not giving you the best advice, because they don't have the whole picture.   Emil: Got it, okay and so, if I have a brand new LLC, and I decide to get a loan, in the name of the LLC, if it's a brand new LLC, like how do lenders usually look at that brand new LLC, like, how do they deem it worthy of, of lending?   Michael: Yeah, so they'll in that instance, likely look to you as the borrower, and just be like, do you have enough money to do this and we're gonna make you sign a personal guarantee. So you're still I mean, even if a meal shore LLC 123, doesn't can't pay the debt, like a middle shore, can we're coming after you directly and so new businesses new LLC, is are started all the time to take over property ownership or to receive property ownership, essentially and so I think that's something that they're used to, if they balk, and say, oh, you need two years of like business tax returns, like, obviously, new businesses won't have that and so ask them: Hey, how do we work around this? Can I give you a personal guarantee? What do you need from me to make this happen?   Emil: Got it, okay. Good to know. Let's see what else we want to ask you. What other parts of the transaction are different? So financing can be some that you need to ask your lender might, you know could be different. What else was different about buying a property through an LLC versus in your personal name.   Michael: The one of the main differences from a process standpoint, really nothing that the two are equivalent, you still get an inspection, you still negotiate with the seller. One thing I would definitely recommend people do is if they are considering purchasing in an LLC that might not be in existence yet. As you put your name on the purchase and sale agreement, put your name or assignee, and that basically allows you to assign the contract to someone else and so it's something that wholesalers might do and if someone asks about it, just say like, no, I'm just not sure it's either gonna be B, or my LLC. I'm just not sure yet. I haven't created it yet and that way, you can assuage any fears that oh, someone's trying to wholesale this deal on me but that makes it super easy for once you open your LLC, you can now say, okay, it's not Michael Albaum, it's Michael Albaum, LLC, 123, whatever, whatever that entity is.   And then the other thing to keep in mind is like the money flow, for how you physically need to purchase the property. So if you do purchase and close in the LLC, the money needs to come to escrow to the title company, from the LLC and so in your example in the like, you were asking, what if it's a brand new LLC, so if you're buying $100,000 property, and the bank's giving you a loan for 80, you're bringing 20, you Emil would transfer that 20 grand into the LLC bank accounts, which then that's where you're going to wire the money from to close the deal over to the escrow company as opposed to wiring it from Emil Shour checking account over to the escrow company. So you want to be able to show very clearly that this is the LLC is asset. This isn't a meal shores asset.   Emil: Got it, I'm glad you gave us that note about either your name or assignee because you're right, a lot of wholesalers use that and it's funny, you bring that up, because on the Jacksonville property, we got a couple offers, and they had that language and we didn't choose some because we're like, you know, wholesaler like those deals can fall out, they have to go find a buyer and you know, not as strong as someone who's just coming to buy it. So like, if you mention, you know, if you're you have your agent mentioned to the selling agent, or whatever, that I'm putting that in, because it's going to be my LLC, it's gonna get looked at differently. So good thing to clarify when you write that offer.   Okay, I think that was most of the questions I had for you. Any big lessons you had from the process? I think you mentioned a couple but if you could do it all over again, what you did differently?   Michael: Yeah, I think I would just have an attorney do it from the start draft up the LLC documents. It's also super important to keep in mind of if you don't live in the same state as where the property is owned in the LLC. Like, what is the registration process look like and so I've done it both ways. I formed a California entity, and then registered as a foreign entity in the state where the property is owned. So for me that was like Kentucky, or Alaska or Ohio. I've also done it the opposite, where I formed the LLC in Ohio, and then registered as a foreign entity here in California and so again, not legal advice, definitely chat with a legal professional. But from my experience, the LLC needs to be registered in both locations in California, because that's where I live and in the state in which the property is owned as well and there are certain things, taxes forms filings that I have to maintain for both states, which are separate and distinct and so making sure that you're in compliance with the local state, governing rules and regulations around LLCs. You also need to have a Registered Agent. If you're not living in the same state in which the LLC is owning the property. You might even need a registered agent if you do live in that same state but basically what a Registered Agent is, is someone or some company that can receive court papers on your behalf really is what typically is getting served.   Like, is there, like where do we send the mail to and so that's what a Registered Agent is. So there's businesses and services out there that can do that for you. I just use like a service provider that handles all that I've also used like my CPA or my property manager, that can also work but you just want to check and understand the local rules and regulations around who can and can't be a registered agent for you.   Emil: Yep, illegal zoom all those internet you know, LLC providers, they usually have that as like an add on option as well. So if you're like how do I do that? They make it super easy, like very, very common thing and make it super easy for you.   Michael: Yep…   Emil: You know, if you do want to talk to a lawyer, your accountant a good accountant can be very helpful here as well. They don't bill you for a 30 minute consult, so accountant can be helpful here as you're trying to figure this stuff out as well.   Michael: Absolutely, absolutely.   Emil: Cool, man. I don't have anything else. I think that's probably a good spot. This was this was actually enlightening for me because I haven't gone I mean, I have an LLC for my business but not for a rental property. So this was this is good for me as well.   Michael: Yeah, right, alright man. It got us all helpful.   Emil: Thank you everyone for tuning in. Please, please, please leave us a comment. Let us know what you liked what you want to hear in future episodes, wherever you're listening to this and we will catch you on the next episode. Happy investing.   Michael: Happy investing.

The American Medical Association has abandoned medicine and the Hippocratic Oath to “first do no harm.” Constitutional expert, lawyer, author, pastor, and founder of Liberty Counsel Mat Staver discusses the important topics of the day with co-hosts and guests that impact life, liberty, and family. To stay informed and get involved - visit www.LC.org