Podcasts about multiply

This Sunday we celebrated Commitment Sunday, a powerful moment in our Multiply journey as we came together to trust God with our future, filled out “Multiply” cards, gave, and made new and fresh commitments to God. All throughout scripture it is evident that being committed to God and what he calls us to do is very important to him. But we live in a very non committing culture, have you noticed? More and more people hit the “maybe” button on the invite. Often we are scared to commit and want to keep our options open. But hitting the “maybe” button with God and what he asks of us will leave us spiritually frustrated and living in disobedience. This week we heard a message called “Making Commitments to God,” which talked about both spiritually powerful and practical ways to put our foot in the ground and make a new and fresh commitment to Him.Join us for service online or in person every Sunday at 8am, 9:30am, 11am, & 12:30pm (PST).Connect to Captivate! - https://shorturl.at/nKxQuDownload the Captivate App to Stay Connected! - https://shorturl.at/5PfXPIf you want to share how God is moving in your life through this ministry, please let us know at info@captivatesd.com!Decided To Follow Jesus? Sign up to receive a copy of our “I Have Decided” booklets - https://shorturl.at/93CHSGet plugged in!Next Steps - captivatesd.com/next-stepsVisit - captivatesd.com/visitCommunities - captivatesd.com/communitiesIf you would like to support Captivate financially you can give online through our website by clicking here captivatesd.com/giving Need prayer? Please let us know! - https://captivatesd.churchcenter.com/people/forms/597023For more information about Captivate Church, visit captivatesd.com or follow us on our social media platforms below.Instagram - Instagram.com/captivatechurchsdFacebook - facebook.com/captivatesdWatch More Messages: youtube.com/@CaptivateChurch/videos

Is it Rapture or Tribulation (1) ? (audio) David Eells – 11/2/25 Is the Tribulation for You? Amos Scaggs - 08/03/2005   In a dream, I was at a computer and it was the mid-tribulation time period. I saw millions of people being destroyed and all sorts of catastrophes happening all over the world. I saw the Beast system in full swing, its leaders and commanders. I thought I had seen enough so I wanted to close the screen out. I kept clicking the “X” with the cursor 15-20 times in rapid succession but every time I would hit the “X” the screen would pop back up again. I was getting frustrated because I couldn't exit the page. Then a voice said, “You're Not Getting Out”. (So, no pre or mid-trib rapture) I had to sit there and watch the activities of the tribulation times. Needless to say, I was totally disappointed, and my heart sank because I thought I would escape the tribulation period. Regardless of what you have been taught or think, the Christian/Church will go through the seven-year tribulation period.   Revelation in Mid-Trib of Soon Coming Rapture K. H. - 06/16/2008 (David's notes in red) In a house, I was in a living room with my mother and my sister; each of us was sitting on a separate couch. I knew that it was about in the middle of the tribulation (The timing of the rest of this dream starts at this mid-trib) and we had begun to discuss when the rapture was going to happen. My mother and sister were very insistent that the rapture was going to happen very soon, whereas I was thinking there was a little more time (past the mid-trib). As I was telling them how much more time I thought we had, the Lord showed me a picture of the earth. I then saw two or three black holes forming on the earth; it was almost like the earth looked like Swiss cheese. The Lord drew my attention to a black hole forming in the Indian Ocean between Africa and Australia as I saw the earth sucking itself up into the black hole. Simultaneously, as I saw the black hole beginning to ingest all that surrounded it, I felt like I was being sucked or pulled in the opposite direction. In that moment, I knew that it was the rapture, and the peace that surpasses all understanding came over me, and the joy of being in the presence of the Lord. As I was being taken up into the clouds, I woke up suddenly and I felt the Holy Spirit come over me very strongly, and I quickly went back to sleep. During the second 3 1/2 years of the tribulation, or mid-trib, as the world is being swallowed up by the beast from hell, we shall be increasingly swallowed up by the Kingdom of Heaven and ultimately into Heaven itself at the end of the trib. Few understand that the rapture is for those who have already learned to dwell in the Kingdom of Heaven while on Earth. Mat.24:31 And he shall send forth his angels with a great sound of a trumpet (We are told the rapture will be at the last or seventh trump- the seventh year of the trib.), and they shall gather together his elect from the four winds, from one end of heaven to the other.)   Pre-Trib Rapture? Rick Sergent - 06/1997 THE LORD SPEAKS OF THE PRE-TRIBULATION RAPTURE THEORY I was working at International Truck Corporation in Springfield, Ohio. It was my lunch break. I was at my work desk and I had my bible when I heard the Lord say, “Go to Matthew 24.” I kind of pouted with Him and said I had read that chapter a zillion times. He said, “I WANT YOU TO READ IT AGAIN”. So just before I read it, the Lord said to me, “The pre-tribulation rapture theory is a false doctrine to lead my people astray, thinking they don't have to do or prepare for anything. My Church will go all the way through the tribulation. Some well-meaning teachers have taught this theory, but I have not taught them”. He also said, “This theory encourages laziness”. Then the words “Beginning of sorrows” went into my spirit. I knew what those words meant, and asked the Lord anyway, “What is the beginning of sorrows?” He did not respond to me with words, but automatically my eyes were fixed on some bold print at the bottom caption of some editorial notes of Matthew 24. In bold print were these words, “BEGINNING OF SORROWS”. I had read this many times, but never saw those words in that caption before. It was these words: “the transition of this age to the Age to come” ...severe birth pangs. I heard the Lord say, “I want you to read Matthew 24 just as it is, and do not read anything else into it”. When I did this, the Lord opened up my eyes, especially in verse 29: “after the tribulation of those days” and the coming of the Lord. I had asked the Lord to confirm this because it messed up my doctrine, and He told me my doctrine needed to be messed up! Since that time, the Lord has many times confirmed this to me in different ways and linked me to people with the same belief without me searching for such people. I also later did a term paper on the pre-, mid-, and post-trib in 2001 and found out that the pre-trib rapture doctrine first came into the Church in 1832! Watch the Hidden Manna For the End Times video series.   WORD OF REVIVAL IN TRIBULATION Rick Sergent - 5/19/07 The Spirit of the Lord was resting heavy upon me and through me as I was at my home: He said, Much of My Church cannot discern the sky. They cannot see the storm clouds coming. They are wrapped up in their visions of grandeur. Many pastors do not want to hear warnings about great troubles coming to this nation because it threatens their vision. Some do not realize that the days of calamity will bring forth a great harvest and ministry to the lost. For the Big Harvest, I will not separate from calamities and trouble times. It will go hand-in-hand together. They hope to have their vision fulfilled during a time of prosperity, but I will allow these things to happen to America, to awaken My Church, and to shake this nation to the core of its foundation. There is coming to America a “day of trouble”, but at the same time, I will pour out My Spirit upon this nation as they cry out to Me. To My remnant that is hearing Me, I am pouring into them My power and My love. I am developing My character in them. I want you to reach out to others with My love and My compassion. I am pouring these things into you, so you can pour out of yourselves, My love, My compassion, and power into others who are hurting and in need. Be prepared to disciple and mentor My newborn babies, for they cannot walk; they are fragile and need much help. They can only crawl. Help and teach them to walk on their own. Feed My sheep so they know how to feed themselves with My Word. For I have truly called you for such a time as this.   Rapture? Or Sanctification in Tribulation? Colleen Quinn - 12/22/2009 (RM and David's notes in red) In April of 1982, I was about eight months pregnant with my son, Shawn Mann, in Anchorage, Alaska. I had been praying and asking God to show me if the rapture was true or not. Shortly after that, I had this dream: I saw this huge city that was very busy with people. Out of the sky came the hand of God with a sword; He divided the city into two sections. The section on the left (goats) was much larger than the section on the right (sheep). (This is likened to God separating/sanctifying His people when they were in Egypt. The city is the world, a corporate city of nations, also called Babylon. Isa.25:3 Therefore shall the strong people glorify thee, the city of the terrible nations shall fear thee.) A dark cloud was formed over the people on the left. These people were doing horrid, unspeakable things to each other. When they saw the dark cloud above them, they started reaching up to it and eating it like cotton candy. (The Holy Spirit later showed me that a lot of the dark cloud was from the TV and computers. And MSM) The people on the left became bored with doing horrid things to each other so they started going over to the section of people on the right and doing horrible, torturous things to them. (The people on the right are all who call themselves Christians. They will all be persecuted by the world in the tribulation. History always repeats, as with Rome and the early Christians. Those who are sanctified, and have faith, will escape.) God then divided the section on the right into three more sections. The first group on the right had many more people in it than the other two groups. These people had a hard time letting go of their past lives. They wanted to get to Heaven but did not want to give up their sinful ways from their past. Because they kept looking back at their past, they all turned into pillars of salt. (They looked back to the worldly ways of Sodom, like Lot's wife, in loving the present world. Jesus likened them unto the seed that fell upon the rocky ground. The seed sprang up with life, but because it had no root, it withered.) Because they had not learned to have a relationship with Jesus, they had no power to fight off the wicked people on the left. The group on the left could not get their fill of doing horrid, torturous things to the pillar of salt people. (The “pillar of salt people” are the vast majority of all who claim Christianity but have no personal faith or understanding of the Word of God, which could protect, save, heal and deliver them. These will be the persecutors of the true saints. Mat.24:10 And then shall many stumble, and shall deliver up one another, and shall hate one another. These are the “many” or majority who, as the Laodicean church, will be spewed out of the body of Christ.) The second group had more people than the third or last group. These people appeared to have no backbone or spine. They swayed with the wind. Any doctrine that came along, they were quick to accept because, without knowing the Word well enough, they accepted whatever was preached. They were lazy and did not want to put forth effort in reading the Word or praying. (This is the church world that the righteous will leave behind. This comfy church routine of conflicting mingled doctrines, where people smile and clap for whomever and whatever is spoken across the pulpit. 2Ti 3:6-7 For of these are they that creep into houses, and take captive silly women laden with sins, led away by divers lusts, 7 ever learning, and never able to come to the knowledge of the truth. Jas.1:22 But be ye doers of the word, and not hearers only, deceiving your own selves.) They wanted other people (especially their pastors) to do all the work for them and loved to listen to doctrines that tickled their ears (like the all-fly-away, pre-trib rapture and the once saved always saved.) and did not call them to die to their fleshly desires. Mat.16:25 For whosoever will save his life shall lose it: and whosoever will lose his life for my sake shall find it. 26 For what is a man profited, if he shall gain the whole world, and lose his own soul? or what shall a man give in exchange for his soul?) These people had a little bit more power than the pillar of salt people, but they still did not have the power in their lives to combat the evil that was coming on them. (These are as the churches of Ephesus, Pergamum, Thyatira and Sardis, which had a little power but were exhorted to overcome their evils in the tribulations.) The third group of people was by far the fewest in number. (This is the remnant as the Philadelphia church who are to be spared “the hour of trial ... which is to come upon the whole world”.) These people had determined in their hearts to be obedient to God no matter what the cost. They denied themselves and walked in love with others. This group was the pillars of fire. They were untouchable by the group on the left. The group on the left would try to kill and destroy this group and God would translate the pillar of fire people or put His angels around them so that they could not be harmed, at least spiritually. (Rev.12:17 And the dragon was wroth with the woman, and went to make war with the remnant of her seed, which keep the commandments of God, and have the testimony of Jesus Christ.) The pillar of fire people would go back and forth, trying to help the pillar of salt people and the people with no backbones who swayed in the wind. (These will be the anointed ones of the tribulation, like the Bride and her Man-child leadership. The early church went through its tribulation, as it is written: Act.14:22 Confirming the souls of the disciples, and exhorting them to continue in the faith, and that we must through much tribulation enter into the kingdom of God.) The pillar of fire people had trained themselves to listen to the voice of God and they were used as the hand of God in the last days. (Joh.10:27 My sheep hear my voice, and I know them, and they follow me. They know His voice, which is His Word, because they abide in His Word. 15:7 If ye abide in me, and my words abide in you, ye shall ask what ye will, and it shall be done unto you.) I saw in a dream of my son, Shawn, on 2/19/08, that he had this glow around him. Then it was like I went back in time and saw this river of fire. God was beckoning him to walk in the fire, and he was hesitant. God told him to trust Him and He would be with him in the fire. (Like the three Hebrews, Shawn was chosen to go through the tribulation fire heated seven times hotter than normal, but the Lord will be with him in the fire to burn off his bonds.) When he was in the fire, it was like he was being purified. He went through some things that were extremely hard and broke his heart. Every cell of his being ached and cried. Several times he begged God to stop, but he kept encouraging him to trust Him. He was using the fire to purify Shawn's heart. After he went through the fire walk, he had this glow around him, and when he talked to people, God would cause the scales to fall off their eyes and the plugs to come out of their ears. Their hearts were then tender to hear God, and they literally turned around and started walking in the opposite direction. (Shawn will help bring the revival of repentance and faith.) Less than a month later, Shawn's baby died in the womb. His wife became pregnant again, and as of now, 12/22/09, they have a healthy seven-month-old baby girl. (A sign of tribulation and bearing fruit through it to the end.)   Rapture Delusion Amy Methvin (David's notes in red) In a dream, I was walking alone, really sort of feeling sorry for myself in this wilderness journey that the Lord has me in. I really wanted to find some like-minded believers to fellowship with. All of a sudden, I walked up on a group of 20 or so people who were claiming that they had the “real” right doctrine on the rapture. They were telling me that the rapture was coming any minute and that I needed to join them and be ready. I thought about it for a minute and decided that it would not hurt to just listen to their point of view, seeing as I have gone down a few wrong rabbit trails before, maybe I should be open-minded and just listen. I told them that I used to be a pre-trib believer, but was now post-trib. They again excitedly told me that the rapture would come very soon. Very shortly, I felt this shaking, and we began to slowly lift off the ground. Immediately, it was dark and I could not see anything. They all started screaming, “Yippee, Wahoo! I told you, it's the rapture!!!!!!!” We were going up, but something did not seem right to me; it seemed too slow. I tried to open my eyes but I could not. (Spiritual blindness from false doctrine.) Finally, I was able to open them, but something was over my face. I reached to pull it off. It was wrapped around my whole head. It would not let go, even though I was able to pull it slightly off of one eye. It was a huge black bat!!! Terrified, I immediately knew that we were not going to heaven as the people thought, but were being taken to hell. I immediately screamed the name of JESUS. The bat disintegrated and I began to float back down to the ground. Somewhat relieved, I knew that I had to tell my husband of the deception, so I started to scream his name. As I did, I felt my heart go into cardiac arrest. I was having a massive heart attack that I don't think I was going to survive. As I lay there, I knew I had been saved from hell, but the deception was going to cost me my life. End of dream. This seems to be saying two things. Those in the strong delusion of the pre-trib rapture believe that they don't need trial and refining through tribulation to bear fruit and enter heaven. Being blinded by this demon doctrine, they will believe this all the way through the tribulation and will take the mark, not bear fruit, and end up in hell. Also, for those who find out that it was a lie too late, it will cost them their lives, for they did not prepare to endure the trial of their faith in the wilderness because they didn't think it necessary. Because of our site, many pre-tribbers have sent me their imminent pre-trib rapture revelations for years. I tell them that this is a deception, and it won't happen but even though the timing comes and goes, and I am proven correct, they send me the next imminent pre-trib rapture revelation, and it is also proven to be a lie. No matter how many times they are lied to, they continue to believe it because it permits them to live as they like and enter heaven regardless of what the Word says. This is proof that this is a strong delusion to keep them from bearing fruit. Let's examine what the Word has to say about the Rapture from our Book, Hidden Manna – For the End Times: I felt I first should share this part of my revelation in order that the rest would be sufficiently important. For now, I would like to deal specifically with the ingathering harvest of the Church and not the First-fruits. Many disagree with the term “rapture” because it is not in the Word. The Greek word harpazo, meaning “to snatch or catch away,” is translated “caught up.” Since this is what most mean when they use the term “rapture,” it is just a sectarian spirit that would have us argue over such things. So that the majority will understand, I will use their terminology. Most agree with the Scriptures that the rapture and the resurrection happen “together.” (1Th.4:16) For the Lord himself shall descend from heaven, with a shout…and the dead in Christ shall rise first; (17) then we that are alive, that are left, shall together with them be caught up in the clouds, to meet the Lord in the air…. (1Cor.15:51) Behold, I tell you a mystery: We all shall not sleep (die), but we shall all be changed, (52) in a moment, in the twinkling of an eye, at the last trump: for the trumpet shall sound, and the dead shall be raised incorruptible, and we shall be changed. Notice that all the dead and all the living in Christ at this time will be changed in the same moment. Therefore, if the time of the resurrection can be proven, we will know when the rapture happens. (1Cor.15:22) For as in Adam all die, so also in Christ shall all be made alive. (23) But each in his own order: Christ the firstfruits; then they that are Christ's, at his coming. Notice that after Christ's resurrection, there is only one more complete resurrection of the righteous dead, “they that are Christ's, at his coming.” This is only speaking of permanent resurrections in the heavenly body. Since there is only one more complete resurrection and rapture, they must be at the very “end” or everybody who gets saved cannot be resurrected. This complete resurrection is to a spiritual heavenly life, not to a physical earthly life which happens all the time. (24) Then [cometh] the end, when he shall deliver up the kingdom to God, even the Father; when he shall have abolished all rule and all authority and power. (25) For he must reign, till he hath put all his enemies under his feet. (26) The last enemy that shall be abolished is death. Notice that the last enemy that shall be abolished is death. The resurrection and rapture, which abolish death, are at the end when God will have abolished all rebellious rule over and in His people. They do not happen seven years before the end when the influence of the beast, the harlot, sin, and the world system still have some hold on God's people. Solomon said that every man is a beast (Ecc.3:18-19), meaning all unregenerate men are ruled by a carnal nature. The mark of the beast just identifies members of that corporate body. Of course, mature sons of God are ruled by a mind renewed with the Word of God. “The Harlot” identifies those who receive a seed or word that is not from Christ, their husband. Many of God's people are pledging allegiance to the world system rather than submitting to the Word. At this time, sadly, most of God's people fall into these categories. Therefore, the resurrection and the rapture, which abolish death, must be last, after the beast, harlot, and the world system no longer rule God's true people. (Act.2:34)…The Lord said unto my Lord, Sit thou on my right hand, (35) Till I make thine enemies the footstool of thy feet. The Lord will not come until His enemies are under His feet and His elect are completely restored. (3:20) And that he may send the Christ who hath been appointed for you, [even] Jesus: (21) whom the heaven must receive until the times of restoration of all (of God's elect) things (“things” is not in the Greek)…. When all are restored through the Tribulation, the Lord comes. Here is that one complete resurrection again. (Rev.20:4)…[I saw] the souls of them that had been beheaded for the testimony of Jesus, and for the word of God, and such as worshipped not the beast, neither his image, and received not the mark upon their forehead and upon their hand; and they lived, and reigned with Christ a thousand years. (5)… This is the first resurrection. Notice that the saints who were beheaded, because they would not take the mark of the beast, are in the first resurrection. It was called first by John, who looked into the future from 96 A.D., which was after Jesus' resurrection. This clearly tells us that there is no resurrection and rapture before the Tribulation mark of the beast. Again there are many who are resurrected to a physical life but those who are resurrected to the heavenly life are forever. The second resurrection, called the second death in verse six, is after a thousand years and is for the wicked. Since the first resurrection is also the only complete resurrection of the righteous, it must be at the end of the Tribulation. If it were at the beginning, the great multitude that is purified during the Great Tribulation could not be resurrected. (Rev.7:9) After these things I saw, and behold, a great multitude, which no man could number, out of ev­ery nation and of [all] tribes and peoples and tongues, standing before the throne and before the Lamb…. (14)…And he said to me, These are they that come out of the great tribulation, and they washed their robes, and made them white in the blood of the Lamb. Notice that the resurrection and rapture are after the Great Tribulation, which most agree is the last 3½ years. Jesus said He would raise up all of His people at the last day, which must also be the time of the rapture. (Joh.6:39) And this is the will of him that sent me, that of all that which he hath given me I should lose nothing, but should raise it up at the last day. (40) For this is the will of my Father, that every one that beholdeth the Son, and believeth on him, should have eternal life; and I will raise him up at the last day. (44) No man can come to me, except the Father that sent me draw him: and I will raise him up in the last day. Now let's be honest, “the last day” cannot mean seven years before the last day. (Job 14:12) So man lieth down and riseth not: Till the heavens be no more, they shall not awake, Nor be roused out of their sleep. The resurrection cannot happen until the time when the heavens pass away. (2Pet.3:10) But the day of the Lord will come as a thief; in the which the heavens shall pass away with a great noise, and the elements shall be dissolved with fervent heat, and the earth and the works that are therein shall be burned up. Obviously, the heavens could not pass away or the earth burn up at the beginning or even in the middle of the seven years, or there would not be anybody here to have a tribulation! The resurrection and rapture could only be at the beginning of the last day, here called the day of the Lord, which we will see presently, is a year-long. Noah knew the Lord would come for him seven days before the flood. He was given a sign to read in his day. Some will argue that Jesus said, “Of that day and hour knoweth no one” (Mat.24:36). The tense of the verb “knoweth” is present, not future! This spoke of Jesus' day, not our day. Jesus gave us a clear type so we would know when He would come in our day when the covenant with many is made for seven years. (37) … As [were] the days of Noah, so shall be the coming of the Son of man. The days of Noah are only mentioned in Genesis seven. (Gen.7:4) For yet seven days, and I will cause it to rain upon the earth…. (10) And it came to pass after the seven days, that the waters of the flood were upon the earth. God said that “after the seven days” the flood would come and they would be lifted off. We know that those in the ark of Christ will be raptured “after the seven days.” Those seven days represent the seven years of Tribulation, as we will see in many other places. The seventieth week of Daniel prophesies the Tribulation, which will be a week of years, or seven years, just as the first sixty-nine weeks proved to be weeks of years, totaling 483 years, which led to the time of Christ (Dan.9:25-26). (Dan.9:27) And he shall make a firm covenant with many for one week (Hebrew: shabua, meaning “a seven” of days or years)…. Noah's seven days also represented the seven years of the Tribulation. His tribulation preceded the flood, which also lasted for a year. It was ten days over their lunar year from the time the flood started (Gen.7:11) until the waters dried up (8:13-14). At that time, their year was a lunar year of 354 days, which God corrected with the ten extra days, bringing us up to the 365th first full day of a solar year when they stepped out of the ark. If God made the year following the seven-year solar, it stands to reason the seven years are also solar. We will see more proof. Noah's seven days also represent the seven years of the Tribulation. His tribulation preceded the flood, which also lasted for a year. From the time the flood started (Gen.7:11) until the waters dried up (8:13-14) was ten days over their lunar year. A lunar year of 12 months can be 354 or 355 days in length. This is due to the varying time it takes the moon to circle the earth, and also because the start of their lunar months was determined by new moon sightings. The lunar year during the flood was most probably 355 days, which God corrected with the ten extra days. This gives us a full 365-day solar year. If God made the year of the flood solar (representing the year of the Lord), which followed after Noah's seven days (representing the seven years of Tribulation), then it stands to reason that the seven years of Tribulation are also solar. We will see more proof of this. This last year foreshadows the wrath of God on those who persecute His people during the Tribulation. This year was also called a day. (Isa.34:8) For the Lord hath a day of vengeance, a year of recompense for the cause of Zion. Here we see that the wrath of God, also called the Day of the Lord, is also a day/year following seven days/years. Many mistake the Tribulation for the wrath, saying, “God appointed us not unto wrath” (1Th.5:9). Speaking of the Church in tribulation, Revelation 12:6 says, “the woman fled into the wilderness.” The Tribulation is a wilderness trial for the saints like the Hebrews had. As we have seen, they leave after that tribulation “at the last day” (Joh.6:40), the “day of the Lord” or “day of vengeance.” The year of wrath is God's judgment upon the wicked who were used to tribulate and purify the saints during the previous seven years. The Lord says, (Isa.63:4) For the day of vengeance was in my heart, and the year of my redeemed is come. (6) And I trod down the peoples in mine anger, and made them drunk in my wrath, and I poured out their lifeblood on the earth. Notice that the day of vengeance was also a year, the year of the redeemed, just as in Noah's day, which was after the seven days. This is a year of wrath on the wicked who have persecuted God's people. The rapture and resurrection are after the Great Tribulation, which is the last 3½ years of tribulation! Matthew 24:21 says, “Then shall be great tribulation” and verses 29-31 say, “After the tribulation of those days the sun shall be darkened, and the moon shall not give her light…and they shall see the Son of man coming….and they shall gather together his elect…from one end of heaven to the other.” The corresponding verse in Mark 13:27 says, “from the uttermost part of the earth to the uttermost part of heaven.” Taken together, we see that one end of heaven is on the earth, the living, and the other is in heaven, the resurrected. We see here that Jesus is rapturing and resurrecting His elect after the Great Tribulation. After the Tribulation, the sun and moon being darkened signal the coming Day of the Lord or flood. (Act.2:20) The sun shall be turned into darkness, And the moon into blood, Before the day of the Lord come, That great and notable [day]. Notice that the sun and moon are darkened after the Great Tribulation but before the Day of the Lord. Again we see that the flood follows the Tribulation. Revelation 14 is the story of the Tribulation and the Day of Wrath that follows. (Rev.14:6) And I saw another angel flying in mid heaven, having eternal good tidings to proclaim unto them that dwell on the earth, and unto every nation and tribe and tongue and people; (7) and he saith with a great voice, Fear God, and give him glory; for the hour of his judgment is come…. This hour of judgment is the hour that the ten kings of the beast rule in Revelation 17:12, which is also the last 3½ years of the Tribulation in 13:5. (9)…If any man worshippeth the beast and his image, and receiveth a mark on his forehead, or upon his hand, (10) he also shall drink of the wine of the wrath of God…. Notice that those who receive the mark during the Tribulation are threatened with the coming wrath. (11) … They have no rest day and night, they that worship the beast and his image, and whoso receiveth the mark of his name. Without taking the mark, the true saints patiently endure persecution and sometimes death in the second 3½ years. (12) Here is the patience of the saints, they that keep the commandments of God, and the faith of Jesus. Some saints die from refusing the mark. (13) And I heard a voice from heaven saying, Write, Blessed are the dead who die in the Lord from henceforth: yea, saith the Spirit, that they may rest from their labors; for their works follow with them. Some die during the Tribulation and some “are alive, that are left unto the coming of the Lord” (1Th.4:15). Then we see the harvest of the righteous after the Tribulation. (Rev.14:14) And I saw, and behold, a white cloud; and on the cloud [I saw] one sitting like unto a son of man, having on his head a golden crown, and in his hand a sharp sickle. (15) And another angel came out from the temple, crying with a great voice to him that sat on the cloud, Send forth thy sickle, and reap: for the hour to reap is come; for the harvest of the earth is ripe. (16) And he that sat on the cloud cast his sickle upon the earth; and the earth was reaped. Those who do not bear the fruit necessary to be in this harvest will be in the next. After the time of that rapture/resurrection harvest, we see the beginning of a year-long harvest of the wicked through the wrath of God. (Rev.14:17) And another angel came out from the temple which is in heaven, he also having a sharp sickle. (19) And the angel cast his sickle into the earth, and gathered the vintage of the earth, and cast it into the winepress, the great [winepress], of the wrath of God. (20) And the winepress was trodden without the city, and there came out blood from the winepress, even unto the bridles of the horses, as far as a thousand and six hundred furlongs. This flood of wrath involves the last real worldwide war. Revelation chapters 15 and 16 explain this wrath, or Day of the Lord, more completely. There we see that “seven angels having seven plagues, [which are] the last, for in them is finished the wrath of God” (15:1). They had “seven bowls of the wrath of God” (16:1). These bowls of the year of wrath on the wicked follow the Tribulation of the saints. Jesus rebuked Israel for not seeing the sign of the time of His first coming. After all, Daniel gave them 483 years to the day of Jesus' birth, but they did not read the Scriptures any more diligently than the Christians in our day. Here we see by example that history always repeats (Ecc.1:9). Like Noah, Daniel knew when the Lord would come for him seven days before the resurrection, so why didn't the Israelites go in a pre-Tribulation rapture if there was one? Daniel tells us to the day when the rapture and resurrection are by giving a sign to be read in our day. (Dan.9:27) And he shall make a firm covenant with many for one week (a sign to be read in our day): and in the midst of the week (mid-Tribulation) he shall cause the sacrifice and the oblation to cease…. As we saw, this “week” or shabua is “a seven” of years that the beast makes a covenant for. Notice in the “midst” of this Tribulation covenant, he causes the sacrifice of the burnt offering to cease. The “midst” comes after the first 3½ years of the Tribulation, which are 1260 days according to Revelation 12:6 (Notice the numbers). “The woman fled into the wilderness…a thousand two hundred and threescore days (1260).” That would make 1260 days until the burnt offering is taken away. Then we are given another count of 1290 days until the end of the Tribulation. (Dan.12:11) And from the time that the continual [burnt-offering] shall be taken away (mid-Tribulation)…there shall be a thousand two hundred and ninety days. Now we see that there are 1260 days before the sacrifice ceases and 1290 days afterward. That comprises the Jewish lunisolar seven years of the Tribulation, after which the saints enter the ark. Then we are given another count of 1335 days from the “midst of the week” until the resurrection. (12) Blessed is he that waiteth, and cometh to the thousand three hundred and five and thirty days. (13) But go thou thy way till the end be; for thou shalt rest (die), and shalt stand in thy lot (resurrection), at the end of the days. This resurrection comes simultaneously with the rapture when the ark lifts off. There it is to the day! The 1260 days for the first 3½ years plus 1335 days past that gives us 2595 days from the time the covenant with many is made until Jesus comes for the resurrection/rapture. So, even though no man in Jesus' day knew, once the covenant begins, we will know the day. The resurrection/rapture only appears to be forty-five days after the end of the Tribulation. In Noah's account the ark left forty days after the tribulation. (Gen.7:10)…After the seven days…. (17)…the flood was forty days upon the earth; and the waters increased, and bare up the ark, and it was lifted up above the earth. There appears to be a five-day difference between the days of Noah and the days of Daniel, but actually, there is none. God, who narrated Noah's account, used solar time, as we have seen, which is actual time, to typify the seven years of tribulation. However, when He gave Daniel's account, we can see that He was using their Jewish lunisolar calendar, which was necessary then to show types and shadows. This calendar was only corrected for solar time after every six years. From the writings of Moses and the prophets, we know that they, by then, had a 360-day year. Multiply this by 3½ and you get the 1260 days of the first 3½ years. They adjusted to solar time after every six years by adding a leap month of thirty days, which would make the second 3½ years 1290 days. We can see that Daniel's figure of 1290 days above for the second 3½ years takes into account a leap month. It appears that the Tribulation will start the year after a leap month, so that six years later, thirty days will be added. This would leave one more year remaining in the Tribulation, which the Jews would not have corrected for solar time by adding five days. Since the Jews only adjusted after every six years, they wouldn't add the five days after the final (or seventh) year. This is also proven by the equation: 1260 + 1290 = 2550 but 7 x 365 = 2555. The Jews were five days short of a 365-day year. However, most of the Gentiles have these five days included in every year of 365 days. With this five-day solar correction to Daniel's account, he and Noah are in total agreement. Jesus takes His saints forty days after the Tribulation, which is 2595 days after the covenant is made. There is one more calculation before we include all of this in one chart and that is the return of the Lord with His saints. (Gen.7:11) In the six hundredth year of Noah's life, in the second month, on the seventeenth day of the month, on the same day were all the fountains of the great deep broken up, and the windows of heaven were opened. (17) And the flood was forty days upon the earth; and the waters increased, and bare up the ark, and it was lifted up above the earth. That was when the flood started and this is when it ended with their return. (8:13) And it came to pass in the six hundred and first year…. (14) And in the second month, on the seven and twentieth day of the month, was the earth dry. (15) And God spake unto Noah, saying, (16) Go forth from the ark, thou, and thy wife, and thy sons, and thy sons' wives with thee. Since we have seen that the Bible says the flood of wrath is a year, this text has to agree with that. Considering that they had a 354-day lunar year at that time, if we started at the beginning of the day stated in verse 14, when the waters dried up, we would have approximately a 365-day solar year. Or, if we started at the same time on each day and they left the ark the next morning, we would have a 365-day solar year. If we subtract from the forty days that they were in the ark, we see that 325 days after the ark left, they set foot on earth (365 - 40 = 325). This brings us to day 2920 from the making of the covenant (365 x 8 years = 2920 days). On this day, as it was with Noah, the Lord appears with His wife and children. (Another symbol seen here is that the ark is Jesus in Whom the family of Noah, meaning “rest,” abided.) This is when Noah sacrificed the beasts on an altar (20) and God said He would not “again smite any more everything living” (21). This is when the Lord and His saints return to sacrifice the armies of the beasts of the nations (Rev.19:11-18). The Lord called this “a great sacrifice upon the mountains of Israel” (Eze.39:17). Thus, we are given the signs to read in our day that from the time the covenant is made, unto the coming of the Lord for His saints, is 2595 days and His return with His saints is 2920 days. The above figures of two witnesses, Noah and Daniel, let us know that God included no fractions of .24 in the 365-day year. The Jewish solar correction from 1260 to 1290 for six years changed their 360-day year in Daniel's account to 365 days just as in Noah's account. Why no fraction? We just had proof that judgments can affect the rotation of the Earth, changing the number of days in a year. The earthquake on December 26, 2004, off the west coast of northern Sumatra in the Indian Ocean, was said by scientists to have tilted the Earth by an extra 2.5 centimeters and sped up the rotation by some three microseconds, and much greater, and more frequent earthquakes are coming. We are told in Scripture that the earth will be struck by meteors and that it “shall stagger like a drunken man” (Isa.24:20). These kinds of judgments could easily slow the rotation. This would lengthen the days but shorten the number of days in a year, possibly by .24. I am sure this will bring to some minds Jesus' words. (Mat.24:22) And except those days had been shortened, no flesh would have been saved: but for the elect's sake those days shall be shortened. The primary meaning of this is that God's elect leave in the ark before the end, shortening the number of days for the “elect's sake” but not for the wicked. Perhaps there is a secondary symbolic meaning here as well. Another objection that some might have is that 1260 days does not bring us to a perfect “midst of the week.” The Hebrew word used here for midst is chatsi, and it's not used in the Bible to mean “perfect center.” “And the sun stood still, and the moon stayed…And the sun stayed in the midst of heaven” (Jos.10:13), “take me not away in the midst of my days” (Psa.102:24), “the Mount of Olives shall be cleft in the midst” (Zech.14:4). See what I mean? However, 1260 days does bring us to the “midst” of the lunar days in this week. It also brings us between the lunar and solar corrected days. We see conclusively that the saints will be here for forty days of the wrath, although they are not in the wrath, for they are in the ark, which also represents fully abiding in Jesus. (1Th.5:9) For God appointed us not unto wrath, but unto the obtaining of salvation through our Lord Jesus Christ. The Passover was a type of this forty-day preservation in the spiritual ark. The Passover and the Ark are both the last judgment before the saints leave Egypt as a type of the world. The Lord said to me, “During that last forty days there will be a corporate, Psalm 91, Passover of the curse for the saints.” We hear from many that the Lord will come “as a thief in the night” (1Th.5:2) in a pre-Tribulation rapture of the Church. After the judgments on Egypt (a type of the world), Israel was freed to leave at midnight (Exo.12:29-31), which is also when the wise virgins left (Mat.25:6). Then, as in Noah's Day of the Lord, the Egyptians were killed by a flood at the Red Sea. Midnight for an overwhelmingly Gentile Church is the end of one day and the beginning of a new day, the Day of the Lord, when the world is destroyed. Let us see when the thief comes. (1Th.4:16) For the Lord himself shall descend from heaven, with a shout, with the voice of the archangel, and with the trump of God: and the dead in Christ shall rise first; (17) then we that are alive, that are left, shall together with them be caught up in the clouds, to meet the Lord in the air: and so shall we ever be with the Lord. (5:1) But concerning the times and the seasons, brethren, ye have no need that aught be written unto you. (2) For yourselves know perfectly that the day of the Lord so cometh as a thief in the night. Here we see that the Lord's coming in the Day of the Lord is as a “thief,” but when is that? (2Pet.3:10) But the day of the Lord will come as a thief; in the which the heavens shall pass away with a great noise, and the elements shall be dissolved with fervent heat, and the earth and the works that are therein shall be burned up. Peter tells us plainly that the thief comes not at the beginning of the Tribulation but when the earth is burned up in the last Day of the Lord! (11) Seeing that these things are thus all to be dissolved, what manner of persons ought ye to be in [all] holy living and godliness, (12) looking for and earnestly desiring the coming of the day of God, by reason of which the heavens being on fire shall be dissolved, and the elements shall melt with fervent heat? We are not told to look for a secret pre-Tribulation rapture, but to live holy lives to escape the wrath of God when heaven and earth will be destroyed. (13) But, according to his promise, we look for new heavens and a new earth, wherein dwelleth righteousness. Noah lived a holy life, went through the seven days/years and escaped at the beginning of the wrath, and came down on a new earth, for the first earth was destroyed by the flood. Everything will happen according to type. (1Cor.10:11) Now these things happened unto them (Israel) by way of example (Greek: “figure or type”); and they were written for our admonition (Christians), upon whom the ends of the ages are come. God will finish His born-again creation on this morning of the seventh millennial day as He did with the natural creation. (Gen.2:2) And on the seventh day God finished his work which he had made…. This morning of the seventh millennium is the seventh day for “one day is with the Lord as a thousand years, and a thousand years as one day” (2Pet.3:8). A morning of a thousand-year day could be years instead of hours. However, we are told that the city of God will be saved from the raging nations and the melting earth “at the dawn of morning,” which narrows the time down considerably. (Psa.46:5) God is in the midst of her; she shall not be moved: God will help her, and that right early (Hebrew: “at the dawn of the morning”). (6) The nations raged, the kingdoms were moved: He uttered his voice, the earth melted. What we will now prove is that early at the dawning of the seventh millennium, after seven years of tribulation, at the seventh or last trump, with a great shout, the saints will enter the heavenly New Jerusalem. For proof of this, consider these promises and the type that follows. As we have seen, “the Lord himself shall descend from heaven, with a shout” (1Th.4:16), and “we shall all be changed…at the last trump” (1Cor.15:51- 52). Notice that “all” will be changed at the “shout” of the “last trump.” In an attempt to make a pre-Tribulation rapture fit, some have adopted the oxymoron that there are two last trumps. However, in Revelation 10:7 the only last trump, which is the seventh, is the time in which “is finished the mystery of God.” (Rev.11:15) And the seventh angel sounded (last trump); and there followed great voices in heaven (saints), and they said, The kingdom of the world is become [the kingdom] of our Lord…. (16) And the four and twenty elders… worshipped God, (17) saying…thou hast taken thy great power, and didst reign. (18) And the nations were wroth (Tribulation), and thy wrath came (Day of the Lord or flood), and the time of the dead to be judged (resurrection), and [the time] to give their reward to thy servants the prophets, and to the saints, and to them that fear thy name, the small and the great; and to destroy them that destroy the earth. The last trump is the time when the Lord takes personal possession of the world, His saints are brought to heaven and given their reward, and the wrath of God is poured out on the nations who are left. Therefore, the last trump rapture is at the end of the Tribulation, in the beginning of the flood of God's vengeance, the Day of the Lord! (Isa.34:8) For the Lord hath a day of vengeance, a year of recompense for the cause of Zion. The apostate (fallen away) Christians will not escape this wrath any more than the apostate Jews escaped the wrath in 70 A.D., when the true people of God fled to the mountains, a type of the rapture. The unripe figs will be cast down at this time (Rev.6:13) and the lukewarm spewed out of the body of Christ (Rev.3:16) to partake of God's wrath. Let's see more proof of when this last trump shout comes. Look at a type, which is fulfilled on the morning of the “seventh day,” representing the morning of the seventh thousand-year day, which is where we are now. Joshua, which is Hebrew for Jesus, brought the saints out of the wilderness, representing the end of the Tribulation. Here, the Israelites came to the city of Jericho. Like heaven, it was an impenetrable fortress for mere man to enter. This was the first city of the Promised Land, representing the New Jerusalem. Here, they compassed the city “seven times.” “Times” are used for years of tribulation in Revelation 12:14,6. “A time (one year), and times (two years), and half a time (half a year)” were “a thousand two hundred and threescore days” or 3½ years. While compassing the city “seven times” they blew “seven trumpets,” representing the seven trumps of the seven years of Tribulation and resurrection/rapture. Then the saints gave a “great shout” and the wall separating them from the New Jerusalem fell. The falling of the wall represents the falling of the flesh as the saints receive their new bodies to “go up” into their Promised Land. Here it is: (Jos.6:4) And seven priests shall bear seven trumpets of rams' horns before the ark (before the coming of the Lord): and the seventh day (seventh millennium) ye shall compass the city seven times (seven-year tribulation), and the priests shall blow the trumpets (seven trumpets of tribulation, resurrection/rapture). (5) And it shall be, that, when they make a long blast with the ram's horn (the last trump), and when ye hear the sound of the trumpet, all the people shall shout with a great shout; and the wall of the city shall fall down flat, and the people shall go up every man straight before him (saints raptured around the world). From clear Biblical chronology, we have come to the beginning of the seventh thousand-year day from Adam. According to this type we are now on the threshold of the seven years and seven trumpets of tribulation, before entering the heavenly New Jerusalem with a great shout. Later this is repeated in the text but the timing is narrowed to “early at the dawning of the day.” (15) And it came to pass on the seventh day (seventh millennium), that they rose early at the dawning of the day (that is where we are now!), and compassed the city after the same manner seven times: only on that day they compassed the city seven times (the Tribulation). (16) And it came to pass at the seventh time (end of the Tribulation), when the priests blew the (seven) trumpets, Joshua (Hebrew: “Jesus”) said unto the people, Shout; for the Lord hath given you the city. From this, you can clearly see that the rapture will come early at the dawning of the seventh millennium, after seven years of tribulation, at the seventh or last trump, with a great shout, as the saints enter the New Jerusalem. The Feast of Trumpets has long been thought to be the time of Jesus' return for His saints, even by the pre-Tribulation rapture multitudes. (Lev.23:24) Speak unto the children of Israel, saying, In the seventh month, on the first day of the month, shall be a solemn rest (Sabbath) unto you, a memorial of blowing of trumpets, a holy convocation (Hebrew: “rehearsal”). This feast is a rehearsal for the rapture/resurrection, which also happens after the “blowing of (seven) trumpets” during the previous seven years. It is fulfilled on a Sabbath, which represents the seventh thousand-year Sabbath day. It is also fulfilled on the first day of the seventh month, which at least says that spiritually it will be very early on the seventh thousand-year day. However, the rapture/resurrection could also physically happen on the first day of the seventh Hebrew month, Tishri, which is our September/October. This feast is celebrated with joy and solemnity. During the daily prayer service, a ram's horn or shofar is sounded, representing the last trump. Jewish - the seven days of the creation of the world, and it is a day when God takes stock of all of His creation. Likewise, on that anniversary, God could finish His born-again creation by taking the saints early on the morning of the seventh thousand-year day. Rosh Hashanah means “head of the year” in Hebrew. The Jews believe that God's judgment on this day determines the course of the coming year. This turns out to be true spiritually, for the rapture/resurrection is a judgment that determines who will go through that year called the Day of the Lord. In order to see this timing in the feasts of Israel, I want to share with you a wonderful revelation that the Lord gave me. There are four types seen in Israel's experience that give the timing for the coming days: their Time in Egypt; their Time in the Wilderness; and two types of their Time in the Promised Land. These tell the end time story of the last eight years. Earlier in the Hidden Manna book, I shared what I call the Panoramic View, in which these types tell one consecutive story when laid end to end. The people of God were saved from bondage to the Egyptians, the old man, and were baptized in the sea. Then they were tried in their wilderness tribulation to prove who would go to the heavenly Promised Land. In this view, it is clear that the people of God will not jump from Egypt to the Promised Land of heaven without going through the wilderness, as pre-tribbers believe. These four types in Israel's experience can also be seen in what I call the Parallel View, which is another fulfillment of the last eight years for the Church. Let me explain each individual type first and then we will see them in parallel. 1) [The Time in Egypt] – The judgments come upon the world in the Tribulation, as they did in Egypt, and then the saints escape to heaven as the wicked die in the flood of wrath at the Red Sea. 2) [The Time in the Wilderness] – The saints are tried in their wilderness tribulation and then escape to the heavenly Promised Land. 3) [The Time in the Promised Land] – In the Tribulation the spiritual man, as the Israelite was, will be highly motivated and empowered to take the “sword of the Spirit, which is the word” (Eph.6:17) and conquer the carnal man in the Promised Land of his own life or soul. (2Cor.4:16)…Though our outward man is decaying, yet our inward man is renewed day by day. As the old carnal man is conquered we become the heavenly land of rest, bearing the fruit of the spiritual man. (1Cor.3:9) For we are God's fellow-workers: ye are God's husbandry (Greek: “tilled land”), God's building. (Isa.5:7) For the vineyard of the Lord of hosts is the house of Israel…. If we walk by faith in the promises, then we take the land, and if not, then the old man takes it back and the fruit is corrupted. (Mal.3:11) And I will rebuke the devourer for your sakes, and he shall not destroy the fruits of your ground; neither shall your vine cast its fruit before the time in the field (world), saith the Lord of hosts. (12) And all nations shall call you happy; for ye shall be a delightsome land, saith the Lord of hosts. Carnal Christians can lose their fruit in this world and never fully enter the kingdom. As they submit to the carnal man he wins the battle for their Promised Land, and Christ in them, Who is the spiritual man, will be crucified again. (Heb.6:4) For as touching those who were once enlightened and tasted of the heavenly gift, and were made partakers of the Holy Spirit, (5) and tasted the good word of God, and the powers of the age to come, (6) and [then] fell away, it is impossible to renew them again unto repentance; seeing they crucify to themselves the Son of God afresh, and put him to an open shame. (7) For the land which hath drunk the rain (of the Word) that cometh oft upon it, and bringeth forth herbs meet for them for whose sake it is also tilled, re­ceiveth blessing from God: (8) but if it beareth thorns and thistles, it is rejected (Greek: “reprobated”) and nigh unto a curse; whose end is to be burned. Those who do not take seriously the command to drive the carnal man's lusts of the flesh from their land will be reprobated. 4) [The Time in the Promised Land] – While physical Israel had a physical Promised Land, spiritual Israel, the Church, has a spiritual Promised Land. And while the land of this world will be destroyed, the spiritual land of the life of the righteous will be healed, for like their Lord, their “kingdom is not of this world” (Joh.18:36). (2Chr.7:14) If my people, who are called by my name, shall humble themselves, and pray, and seek my face, and turn from their wicked ways; then will I hear from heaven, and will forgive their sin, and will heal their land. In the Tribulation, the saints first conquer their flesh so that their personal Promised Land is healed. Then they become in totality the spiritual man. These, as those who go in the ark, are God's heavenly land of rest, for “Noah” in Hebrew means “rest.” As Noah went through the seven days in type, the righteous will conquer themselves in their tribulation. After the Tribulation at the last trump, the world itself becomes their physical Promised Land. (Rev.11:15) And the seventh angel sounded; and there followed great voices in heaven, and they said, The kingdom of the world is become [the kingdom] of our Lord, and of his Christ…. (Mat.5:5) Blessed are the meek: for they shall inherit the earth. When this world also becomes the saints' kingdom, then they can conquer the enemies in the earthly Promised Land. The wicked will be under their feet in judgment just as it was with Noah. (Mal.4:3) And ye shall tread down the wicked; for they shall be ashes under the soles of your feet in the day that I make, saith the Lord of hosts. In the Parallel View, these four types tell one complete story of the last eight years of the Tribulation and Day of the Lord. Imagine making three transparencies of these three types and laying them on top of one another so that all three can be seen at one time. In this way, we can see the full end time story. As the judgments fell upon Egypt so they will fall on the world in the Tribulation of the saints. During this time, the saints will be sanctified by driving the carnal man from the Promised Land of their lives so the kingdom of heaven is fully manifested in them. Then, in the rapture/resurrection, they fully enter the kingdom and conquer the wicked in the Promised Land of this world in the Day of the Lord's wrath. We see from all of the types that there is no pre-Tribulation-all-fly-away rapture. God's plan is to manifest His character of patience, faith, hope, love, and perfection in the saints through the Tribulation trials. (Rom.5:3)…We also rejoice in our tribulations: knowing that tribulation worketh stedfastness; (4) and stedfastness, approvedness (character); and approvedness, hope: (5) and hope putteth not to shame; because the love of God hath been shed abroad in our hearts…. (Jas.1:2, Numeric) Count it all joy, my brethren, when ye fall into manifold temptations (trials); (3) knowing that the proving of your faith worketh patience. (4) And let patience have [its] perfect work, that ye may be perfect and entire, lacking in nothing. Taking the people of God out of this world, when they are unsanctified and unregenerate, would defeat God's purpose.

Simon's live update for Natasha Devon's Saturday afternoon programme on the UK's LBC.

From the archive: This episode was originally recorded and published in 2022. Our interviews on Entrepreneurs On Fire are meant to be evergreen, and we do our best to confirm that all offers and URL's in these archive episodes are still relevant. JiNan Glasgow George has built her career from engineering to patent law and investment by transforming ideas into assets and connecting innovators to the resources they need to make positive impact. She is the CEO and co-founder of Patent Forecast, a business intelligence SaaS company that provides insights for investors and executives, serial entrepreneurs and innovators, giving vision ahead of market data using patent data and AI. Top 3 Value Bombs 1. With imagination and ideas, you have an unlimited resource for solving problems and creating a positive impact in the world, however, most people do not use it. 2. Almost everybody has a trademark to register, copyright, or patent. 3. You can make the most valuable asset in your business from your ideas and transform that into intellectual property, but you have to know how to use it in your industry. NEO IP is an intellectual property law firm with a holistic approach for creating IP assets - NEO IP Sponsors HighLevel - The ultimate all-in-one platform for entrepreneurs, marketers, coaches, and agencies. Learn more at HighLevelFire.com. The Dealmaker's Will - If you're ready to sharpen your instincts, elevate your mindset, and learn what separates deal-takers from deal-makers. Go grab your copy of The Dealmaker's Will today on Amazon. Quicksilver Scientific - Make advanced liposomal supplements so you can actually feel the difference - energy, focus, calm, recovery. Get 10 percent off plus free shipping at TryQS.com/fire!

To hear more about what God is doing in Sheboygan County and beyond, visit us at posc.church!

Understanding Blessing

What if the greatest leadership blind spot isn't about people at all, but about the space between them?In this episode of Partnering Leadership, Mahan Tavakoli speaks with Jim Ferrell, renowned leadership thinker and author of You and We: The Relational Rethinking of Work, Life, and Leadership. Known for co-authoring the international bestseller Leadership and Self-Deception, Ferrell's latest work shifts the lens from managing individuals to managing the relationships that determine whether strategies succeed or fail.Ferrell explains why execution often falters not inside functions, but at the seams — the handoffs, dependencies, and connections that link people, teams, and departments. He challenges leaders to rethink the org chart: while boxes and reporting lines are visible, the real value is created or lost in the white space between them. CEOs and boards who fail to see and lead that space risk blind spots, stalled strategies, and underperformance.In the conversation, Ferrell outlines a framework of “levels of connectivity” that helps leaders diagnose whether relationships are dividing, subtracting, siloed, multiplying, or compounding results. He shares why leaders at the top often get the worst data, how systems and incentives frequently reinforce silos, and what it takes to truly lead at the relational level.Whether you lead a global enterprise, a nonprofit, or a government agency, Ferrell's insights invite you to rethink what leadership demands today: not simply inspiring individuals, but intentionally managing the relational field that drives execution, culture, and long-term performance.Actionable TakeawaysHear why execution fails most often at the seams, not inside the silos—and what this means for how leaders should focus their attention.Learn how to spot the blind spot on your org chart and why the white space between boxes matters more than the boxes themselves.Discover Jim Ferrell's “levels of connectivity” and how each level determines whether relationships subtract value, add value, or compound it.Find out why CEOs at the top often receive the worst data—and what kind of leadership it takes to cultivate candor and real feedback.Explore how system design and incentives can quietly sabotage collaboration even among well-intentioned people.Understand how mapping connections across teams can reveal hidden risks and opportunities for acceleration.Learn practical moves senior leaders can make to strengthen critical relationships across teams, functions, and business units.Hear how leaders can build an organization where success is shared and compounded, rather than siloed and slowed.Connect with Jim FerrellJim Ferrell LinkedIn You and We Withiii Leadership Connect with Mahan Tavakoli: Mahan Tavakoli Website Mahan Tavakoli on LinkedIn Partnering Leadership Website

In this episode, we explore how leaders multiply when they're given space to grow in their own backyard. Shawn and Ralana share how leadership scales through hands-on learning, mentoring, and support: invited into family, given a voice, and developed as they navigate the Start → Strengthen → Sustain journey.You'll see why true multiplication comes from creating environments where leaders do, learn, and grow together. If you want practical strategies to develop leaders who can lead beyond you, this conversation is a must-hear.Covo Multipliers:Join the Signal Group: To connect with others living the co-vocational lifestyle, share wins/challenges, and get early access to event updates: https://forms.gle/TWB6kGRQWdpgbvFu8Visit covomultipliers.com for upcoming training, immersions, and resources. 4 Fields Training November 7-9 - SIGN UP NOW.

If you want to multiply money in your business, it means you have to figure out the very specific steps that you need to take in order to make that happen. David: Hi and welcome to the podcast. In today's episode, co host Jay McFarland and I will discuss the topic, Can You Multiply Money? Welcome back, Jay. Jay: Hey David, of course you can. I have a tree in my backyard. Money grows on it and I just have to water it every year. What else do I need? David: Nice. No, that's great. You got a money tree. You're in great shape. When I think about the abilty to multiply money, I know that in the early stages of some of my businesses, and in the early stages of trying to figure out how to make them work, I was able to multiply money. But I was multiplying it by fractions, you know. So... If you multiply money by 0. 5, you now have half the money you started out with. So I think we're all able to multiply money. But, ideally, we want to multiply by whole numbers. Jay: Yeah, I agree, but we also subtract money. I'm not sure what the terminology is. Bbut a lot of times in an attempt to multiply money, if you're not careful, you're actually losing money. David: Yeah. And you will have to invest. You'll have to make investments up front. I think a lot of times people go into business, particularly small business owners, will go in with the idea of, "well, I'll just bootstrap it." And it's certainly what I've done, I did that a number of times and when it works, it's fantastic. And when it doesn't, it's disastrous. So as long as you recognize that going in, it's all okay. But having that focus, what will it take to get this going? How much will it cost? How long will I have to work for nothing, if I bootstrap entirely? A lot of those questions come into play. Jay: Yeah, otherwise it's kind of gambling. You know, starting a business is kind of a form of gambling, but the better the idea is, the more help you have along the way, the more financially stable you can be in the process, the more you increase the odds that your gamble will pay off. David: Yeah, and it really is a gamble in the truest sense of the word. Because you don't know if it's going to work. It might work and it might not. You may have a really good feel for it. You may have done it before and say, okay, I feel really good about this. I think this is really going to work, but it's still a bet. You're still guessing and betting that it's going to work based on what you know. You think you can multiply money, but you can't be sure until you try. I've never really been a gambler in terms of casinos and things like that, but I guess people who do that well and know how to do it, they can go into a situation and say, "okay, I have a pretty good feel for the fact that I'm going to make back a multiple of what I lay down on the table. And sometimes they're right and sometimes they're wrong. And it's exactly the same in business. Jay: Yeah, absolutely. Only in business, you may put a lot of things on the line, your family's future. You may quit your job. You really put yourself out there in many ways. I found success in making sure my family is supported with a day job and then I pursued other things on the side. Meanwhile, I had other family members who have said, "no, I'm going all in" and they put everything at risk. And that didn't turn out so well, but you know, it depends on the individual and the idea, I think. David: Yeah, absolutely. And I know in the early stages I tried doing sort of a sideline thing for a while and I could never personally make that work. Jay: Yeah, yeah. David: Because it was hard for me when somebody else was paying me money to do a job, I didn't feel like I could walk away to do my thing, so I was torn in that way. When I was working on my side project, I felt like I should either be working on the work that was paying me or when I was at real work,

Register here to attend the live virtual event "How to Scale Your Portfolio, with Tenanted Cash Flowing, New Construction Properties" on Thursday, November 13th at 8pm Eastern. Keith introduces a profound life perspective: humans are typically allotted only 30,000 days. What will you do with the days you have left? Every moment not spent building wealth is a moment lost forever. Adam Schroeder, a real estate investment strategist, joins the conversation to talk about current opportunities with new build properties with significant builder incentives and the potential for high appreciation. Resources: Switch to listening to the podcast on the Apple Podcasts or Spotify app, as the dedicated GRE mobile app will be discontinued at the end of the month. Show Notes: GetRichEducation.com/578 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  For predictable 10-12% quarterly returns, visit FreedomFamilyInvestments.com/GRE or text  1-937-795-8989 to speak with a freedom coach Will you please leave a review for the show? I'd be grateful. Search "how to leave an Apple Podcasts review"  For advertising inquiries, visit: GetRichEducation.com/ad 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 Complete episode transcript: Keith Weinhold  0:01   Keith, welcome to GRE. I'm your host. Keith Weinhold, the real estate market is slow when this happens in a cycle. What does it mean to a real estate investor? What type of return can you really expect today? I'll tell you exactly, and you'll be surprised. Learn more about new build properties and why investors often prefer DSCR loans over conventional loans today on get rich education,   Keith Weinhold  0:28   since 2014 the powerful get rich education podcast has created more passive income for people than nearly any other show in the world. This show teaches you how to earn strong returns from passive real estate investing in the best markets without losing your time being a flipper or landlord. Show Host Keith Weinhold writes for both Forbes and Rich Dad advisors and delivers a new show every week since 2014 there's been millions of listener downloads of 188 world nations. He has a list show guests include top selling personal finance author Robert Kiyosaki. Get rich education can be heard on every podcast platform, plus it has its own dedicated Apple and Android listener phone apps build wealth on the go with the get rich education podcast. Sign up now for the get rich education podcast, or visit get rich education.com   Corey Coates  1:13   You're listening to the show that has created more financial freedom than nearly any show in the world. This is get rich education.   Keith Weinhold  1:29   Welcome to GRE I'm your host. Keith Weinhold, yes, America's favorite shaved mammal on a microphone is back with you for another wealth building week. Just the talking primate that's heavily mortgaged here. I'm also a landlord still waiting for a security deposit from back in 2018   Keith Weinhold  1:51   Hmm, oh, I'm so into self deprecation today that I forgot about the place names hitting you, from Dover, Delaware to   Keith Weinhold  2:01   Andover, Massachusetts and across 188 nations worldwide, you're listening to get rich education. There's a realization that can sharpen your investor focus when you think about the fact that, in a sense, how little time you are allotted in your life. It's something that I've thought about more. You're only given about 30,000 days. That's the typical lifespan of a human being, and that goes for both shaved mammals and others. Well, you've already spent 1000s of your 30,000. The question is, what are you doing with the rest? At some point, people understand or they better that they need to go out on a limb. There are people less qualified than you living the life you want to live simply because they chose to believe in themselves, and really, that's the moment everything shifts. belief. It's not a feeling. It is a decision backed by action. Too many people learn this lesson the hard way. They discover, often too late, that relying on one income stream is the most dangerous financial plan of all. A job can vanish. Federal Workers found that out amidst a government shutdown, a business model can change. AI can intrude. A paycheck can stop. But when you own assets that pay you month after month, no matter what you're doing, you slowly begin to untether yourself and move toward freedom. And here's the truth about pain and money. Poor and middle class households work for money, so to them, that's why every dollar spent feels like a little loss. It can even hurt, and that is why they hesitate even on opportunities that could change everything. The wealthy, on the other hand, own assets that pay them, so therefore every dollar spent feels like a seed, because it grows when you own enough income property, you can move away from constantly asking yourself, can I afford this? And start asking, What will this investment earn me? Over time, this mindset shift changes everything at that time when other people's money starts working for you, not the other way around.    Keith Weinhold  4:45   And here's the thought experiment I use, take the hourglass of your life and flip it, watch the sand fall. That's time, 30,000 hours, 30,000 grains. That is. Is time the one resource that you cannot get more of. So every day you delay prudently investing the sand does not pause. It just keeps flowing. But you can choose how that time compounds the sand that's left over and hasn't fallen through the neck of the hourglass. Yet that is your opportunity to build multiple income streams from real estate, from ownership and from leverage, it is your chance to replace anxiety with well autonomy. Every family with generational wealth can trace it back to one person, one risk taker who decided to stop trading hours for dollars. They believed in ownership and control. They believed in themselves. They acted before the sand ran out. If you've already started real estate investing, well, then you've already begun to break that cycle. If you've done it for a time, you're going to have more time, more income and more options than you had before. That is worth celebrating and scaling, because the best time to start was yesterday, and the next best time is before the next grain of sand hits the bottom.    Keith Weinhold  6:22   Later today, I'll talk about taking this sentiment and moving it towards something very specific and actionable. Now, in this era, the real estate market is slow. That is in terms of transaction volume, there just aren't as many sales. Sometimes this whole thing feels more sluggish than Jabba the Hutt after Thanksgiving dinner.   Keith Weinhold  6:49   5 million is a typical number of existing homes sold every year in the US. 5 million. That's normal. That's baseline during the pandemic frenzy. It reached over 6 million, and now it's about 4 million. That's why I say that housing transaction volume has slowed, and appreciation is only about 2% that's below historic norms, and rent growth is like barely doing push ups. It's two to 3% in single family homes volume now it has picked up a little here lately with lower mortgage rates, and so have home prices. Redfin now tells us that home price appreciation is 3% but most outlets say 2% some analysts that are more optimistic than me call today's housing market healthy. They don't call it slow. And why is that? Well, it's the healthiest it's been since covid, because now you have a good balance of buyers and sellers. The real estate market isn't so miserably deprived of inventory like it was back in 2022 in 2023 but I am going to go with slow now, as you know, I coined the phrase real estate pays five ways back in 2015   Keith Weinhold  8:09   But how exactly does that hold up in today's slow transaction market? Could an income property buyer's return even be disappointing now? Well, let's do it. Let's determine what you can expect if you purchase an investment property here in these slow market conditions, we'll determine your total rate of return in year one. And you know, this will be sort of like dating someone that's not the first date, but to really get to know them, to know if they're potential spouse material. You want to see them at their worst and be sure that they look good on their bad days. So let's just be conservative and use 2% home price appreciation. Say that you buy a 200k single family rental. Now a 20% down payment means 40k down. Sellers are willing to give you concessions now, say that they're going to pay your closing costs, because the 200k that you're paying is their full asking price, so it's your terms and their price. Well, say that you don't get any cash flow. The rent only covers the expenses exactly. Okay, so we're really painting on a not so pretty picture. Here, it would seem. Here we go, in a slow market, the first of five ways you're paid is that erstwhile appreciation. Your property only appreciates 2% from 200k up to 204k not so exciting, until, of course, as we know around here, you realize that your return is your gain on your skin in the game, your 4k gain divided by your 40k down payment gives you a 10% ROI. There it is leverage. Didn't just show up. It brought donuts. 10% just from the first of five ways you're paid. The second way is cash flow. Say that rent minus your 160k mortgage payment here and your operating expenses, that merely breaks even, like I was saying. So 0% additional return from cash flow. And before we add on numbers three, four and five to get your total rate of return in a slow market, let's take a moment to check on Jabba. How's Jabba doing? No, Jabba still hasn't gotten up from that heavy Thanksgiving dinner. It's still a slow market. We've confirmed that we're going to continue   Keith Weinhold  10:41   the third way you're paid, as any GRE listener knows by now, is with that ROA return on amortization, also known as principal pay down with a 7% mortgage rate in your 160k loan on this property, an amortization table shows you 1625 bucks a tenant made principal pay down. Divide that by your 40k down again, that is another 4% return. All right, so you add that to your 10% from leverage depreciation, and you've now got 14%   Keith Weinhold  11:17   next is your tax benefit. It's a 150k structure value, not the full 200k because raw land can't be depreciated. Multiply that by 3.6% depreciation, that means you've tax sheltered 5400 bucks. That is like a phantom loss that you get to show the IRS. Just a little more math here, and this is as far as you have to stretch it, in visualizing numbers in an audio format at a 24% income tax rate. That is 1296 saved on 40k down again, another 3% for you, and your running total is a 17% ROI before we get to the last one, which is inflation profiting, not inflation hedging, which almost everyone mistakenly says in real estate investing, it is inflation profiting.    Keith Weinhold  12:13   Your 160k loan gets eaten by 4800 bucks at a 3% inflation rate, divided by 40k down. And you know, inflation is usually the villain. Now it is the hero. You've got another 12% from inflation profiting. And here's the sum in this slow market, your total year one rate of return is 29%   Keith Weinhold  12:43   and you're like, my gosh, did that really just happen? Now you might want to skip back on some parts of that to help make it crystallize in your mind. I've got to tell you before I ran these numbers in this slow market with this 2% appreciation and even assuming zero cash flow, I thought your total rate of return would be in the low 20s, not this high, not 29%   Keith Weinhold  13:09   the numbers don't lie. They just don't get enough attention on CNBC.   Keith Weinhold  13:16   Now I did use shorthand and simplify. You would also have to adjust your 29% for inflation, just like you do for any investment. So then about a 26% inflation adjusted return for you. Wow. And if you want to know more about what I just used shorthand on, you can always watch the five videos on the five ways real estate pays for free at getricheducation.com/course that's get richeducation.com/course, the most valuable video course you'll ever see on real estate investing, but a huge investor lesson here, an epiphany today, is that it does not take a high growth market to build wealth. Even when it seems like real estate's half asleep, it can still work five jobs for you, we could be near the nadir of the cycle here.    Keith Weinhold  14:16   Appreciation has picked up in recent months, with mortgage rates being lower than they've been in a while, but even when appreciation and rent growth slows now, you can see that the ROA tax benefit and inflation profiting just keep working overtime. The bottom line here is that income property still pays a lofty 29% if you buy today, even in a slow market, and this is at a time when investors, a lot of them, don't know what to do with their money, since every market type seems to be near an all time high, and people don't want to buy in at those high levels, and savings accounts pay you less than a gumball machine, owning investment property proves its resilience. I mean, this is why we do this. It's kind of like stocks can party with a surge in an upcycle, and then they can bust and boom and bust and boom. But all the while, instead of partying, real estate just keeps its head down and works the night shift for you, your wealth quietly compounds in the background while the rest of the world panics or debates interest rates on LinkedIn or something.    Keith Weinhold  15:33   All right. Well, with that in mind, where can we take advantage of that real estate return and expect to do even better with it, even if the market did stay slow. Well, builders have unsold inventory in places like Texas and Florida, like I mentioned before, and to a lesser extent, in parts of the West as well, but the prices are too high out in the west for a cash flow investor. So today, you can buy at a discount in a way that you absolutely could not during the height of the pandemic.    Keith Weinhold  16:06   A guest and I are going to talk about a specific opportunity in today's market, and then how you can exploit it. The National Association of Homebuilders has even noticed that home flippers have switched gears, and increasingly, what flippers are doing is instead buying new build properties and then renting them out, because new builds have lower upkeep costs come with a lower mortgage rate because the builder is buying it down for you, they have lower insurance and they attract a better quality tenant that stays longer, even if the HVAC did break. That's okay, because new build homes often come with a warranty. The smart money knows that new build is where the opportunity is today. That's something that I've discussed for a while here, but today we're getting more actionable. CNBC let us know that the CJ Petra company reports that investors now make up the highest share of Homebuilders in five years. And you'll recall that we've had CJ Patrick, company founder, Rick sharga, on the show a lot with me here the past few years. Some say that the smart money is waking up again. I don't know investor activity is steady, but it's not really that much. It only seems like a lot because the wannabe owner, occupant, buyer has been priced out. So it's better to say that investor activity has been steady. Investors bought fully 1/3 of single family homes this past summer, and that is up from 27% in q1 I'll discuss that more soon.    Keith Weinhold  17:44   Hey, you know one thing that makes GRE different is that our show sponsors are here to supplement and benefit your specific investor activity. And another thing is that I use them myself. Thank God we are not here to tell you about pneumococcal pneumonia or your moderate to severe plaque, psoriasis. I don't even know what that stuff means. Freedom, family investments and Ridge lending group. I very know what they're about. I'm a satisfied client with each of them myself. So listen in.    Keith Weinhold  18:21   You know, most people think they're playing it safe with their liquid money, but they're actually losing savings accounts and bonds don't keep up when true inflation eats six or 7% of your wealth. Every single year, I invest my liquidity with FFI freedom family investments in their flagship program. Why fixed 10 to 12% returns have been predictable and paid quarterly. There's real world security backed by needs based real estate like affordable housing, Senior Living and health care. Ask about the freedom flagship program when you speak to a freedom coach there, and that's just one part of their family of products, they've got workshops, webinars and seminars designed to educate you before you invest. Start with as little as 25k and finally, get your money working as hard as you do. Get started at Freedom, family investments.com/gre, or send a text. Now it's 1937795898, 377958989, yep, text their freedom coach directly. Again, 1-937-795-8989,   Keith Weinhold  19:32   the same place where I get my own mortgage loans is where you can get yours. Ridge lending group NMLS, 42056, they provided our listeners with more loans than anyone because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage. Start your prequel and even chat with President Caeli Ridge personally while it's on your mind, start at Ridgelendinggroup.Com, that's Ridge lending group.com   Kathy Fettke  20:05   this is the real wealth network's Kathy betke, and you are listening to the always valuable get rich education with Keith Weinhold.   Keith Weinhold  20:14   I'd like to welcome in a new guest to the show. He is a real estate investment strategist that's been working in the media industry since 2001 and throughout the career, he's held the title of a local news reporter, podcast host and producer for nationally syndicated companies like NPR. He's been in real estate nearly 20 years. Adam Schroeder, welcome to the show.    Adam Schroeder  20:48   Thanks for having me on. I really appreciate it.    Keith Weinhold  20:50   Yeah, I'm looking for your read on today's real estate market, just the general landscape overall, because Adam, I've shared that national transaction volume is down about 25% appreciation is still there, although it's been slow. Rents are just steady. We do, however, still have this supply that is down among entry level homes, something a lot of media articles broad brushstroke and don't understand, and really it's still a valid question to ask, even today. Is there any better risk adjusted return than income property that's bought, right? So what are your thoughts on the overall real estate investing landscape?   Adam Schroeder  21:30    Yeah, overall real estate investing, it's kind of like what you said, entry level housing. I remember I saw a heat map. This was probably five or six this was pre covid. It was maybe even seven or eight years ago. It was a heat map that showed, like, new construction, home pricing, and, you know, there was like 500,000 and up. Was just this massive chunk. And then there was all these ones, ones that were under about 300,000 it was around, like six or 8% or something like that. It was really, really small. If you look around, it hasn't gotten bigger. And so the question of inventory and availability and pricing, they're never going to talk about it on the national media, because there is no entry level home in Chicago, in New York, in LA, you're not going to find that. I mean, you're paying 200 grand for a doghouse in the backyard, if you're there. And so we are finding the entry level housing, but I think right now, an oversupply of inventory in some of these markets is a very good opportunity for people. If you're buying for with the right fundamentals, if you're buying in an area that's growing and has good long term, you know, 8,10, 15 year diagnostics. Then if you're buying now with builder incentives and all of that, yeah, your year one, year two, year three. Appreciation may not be the greatest because of that oversupply, but if you look at what's happening now with construction starts in a lot of places, builders have gotten scared off. They're not really starting them now. So if you're buying new now, in 2,3,4, years, all of the inventory will be sucked up, and there won't be new homes coming to the market. So you're going to be one of those people who has one of the newest homes in the area, more people are going to want to be getting in. And so your appreciation and rent growth is much more likely to be growing. So that's one of the things I love to look at, is I look at what new home starts, what happened in the past, what was oversupplied, but now, who's what cities aren't building. And if I know what cities aren't building, then I can compare it to, okay, well, you know, there are some cities in California that aren't building anything I'm not going to buy in California, but there are some cities in Minnesota, in Oklahoma, you know, in Texas, where they're not building anymore. And if it's landlord friendly and can cash flow and all of that, Sign me up. I'm bullish on parts of this, of the United States real estate market, not the whole United States real estate market.    Keith Weinhold  23:55   It's been pretty well documented that parts of the nation are overbuilt. However, especially in Florida and Texas. And I brought up the point months ago Adam that if you buy, say, a new build income property in temporarily overbuilt pockets today, five years from now, looking back five years onto today, you could be like, Yeah, I bought five years ago, when some areas were actually overbuilt, and I snagged a deal, and the builder was even giving me incentives like my rate at that time, because, you know, long term, the demand is going to be there and that the absorption is going to be there. So it's about knowing what's happening and then identifying the right time in that cycle. In today's environment, some feel that DSCR loans are a better option for investors, and what that means a debt service coverage ratio loan is that you qualify for the loan not with your personal income, but instead with the property's income. Do you see more investors employing dscrs?    Adam Schroeder  24:55   We see a ton for a really good reason. That is simply put, especially if you're utilizing these builder incentives, buy down rates on DSCR frequently outperform ones with conventional like some of the lenders we're working with. I look and let's say you're putting 4% I looked at it this morning with an investor with 4% of purchase price towards your loan on a DSCR loan, you're down to 5.49% on a DSCR, but conventional, you're at 5.75 that doesn't happen for the most part. It's just something that right now, the risk profile of investors is allowing the rates to be either at or better than conventional many times. Plus, people love to put their properties in LLCs for protection, and they'll worry with conventional, oh, what if a due on sale clause gets triggered, even though it's really hard to trigger that, if you worry about it, well, why not just get a loan that's equal or better than a conventional that doesn't go on your you know, debt to income and can go straight into the LLC to begin with, and then your hands are clean the whole way through, and you're not having to worry about transferring titling. Honestly, my wife is about to murder me because I have some properties that were meant to go into an LLC two years ago that are not currently in an LLC.   Keith Weinhold  26:17   Well, hopefully you'll live until the end of this interview. Tell us more about DSCR loans, and maybe some that, no you talked about the upside, maybe some red flags and some things to look out for, times when we would not want to employ that loan type.    Adam Schroeder  26:30   A lot of it with the DSCR you're looking at like you said, they're not evaluating you necessarily. Now you do have to show reserves. You do have to show that the property will perform on its own. But sometimes full doc loans with conventional can be the way to go, because, like I said, in the past, it used to be that DSCR loans were three quarters of a percent, or a full percent higher than the DSCR. Or, yeah, DSCR was higher than the conventional. And so if you could get a four and a half with a conventional versus a five and a half on a DSCR. It's well worth the extra paperwork that might come with doing it to save yourself that money and really build up your cash flow. We are just in a very awkward time of investing, where the investors for DSCR loans, the people who are buying those mortgages, are not the same people who are buying the Fannie Mae Freddie Mac secondary loan market, and so they just have different risk profiles, which allows the rates to be different. So that's really the big thing. Is, if you've still got your Fannie Freddie slots, it's worth talking to your lender and saying, what would it look like if I did this loan? What would it look like if I did that loan? Where am I? But when it's all said and done, if you're really close or equal, I would almost always skew towards the DSCR to protect myself, go straight into an entity and keep it off of my debt to income ratio, plus on dscrs. You also have the option, and we don't recommend this for every property or even for certain people, depending on risk profile, but you have the option to do an interest only loan with 20 or 25% down, which allows you to do kind of what we call cash flow management, where people get worried about interest only loans and say, Well, I'm not building equity. I'm not doing this, not doing that. Well, you're not, but you're also, you can still put principle towards your loan every month, right? Like a principal loan, maybe you're throwing 200 bucks a month, a principal towards that. Well, with an interest only loan, you can still put that $200 in. But what it means is, if there's a month where maybe you have some repairs that need to be done, or something like that, don't pay the principal and on the interest only, you're still okay on a principal and interest. If you can't pay that, if you just pay all the interest, they're still going to say, well, Keith, you're late on your loan, right? And so it gives you a little bit more flexibility, but it's not for everyone. It's not for every property, so definitely talk with lenders about that. But conventional loans don't offer that. DSCR loans can.    Keith Weinhold  28:53   There's always opportunity in every real estate market. It's just identifying what those are and then ethically exploiting the opportunity. So we're talking about buying in areas that are temporarily overbuilt utilizing DSCR loans. And another advantage in this market, which is an aberration, is the fact that new build properties, like few times in history, if any, actually cost less than renovated existing properties.    Adam Schroeder  29:20   Yeah. I mean, when you can get into, you know, an A class neighborhood with 80% owner occupied, 90% owner occupied, and you're getting in for way less than the median cost of a home in the US. You mean, you're getting in for, I mean, we've got new builds in the 220 range on some of them up to 400 you know, which is still below the median cost. Yeah, that's really good. If you're looking to get into any a class neighborhood, or even B plus neighborhood, finding a property that's 200 $250,000 in those areas is tough. It's just tough. And so especially because as pricing went up for everything with inflation, you know you can't do. Do a cheap rehab anymore. If you're going to do a good rehab, you can't do a cheap rehab. I talk to our teams all the time and tell me, Hey, I did, you know, I only spent $70,000 to renovate this property and like that is a lot of money. I know you're getting it out whenever you do the burn, you know, or sell to an investor, but still a lot of money to put in to get there.    Keith Weinhold  30:20   Well, then let's talk about identifying possible growth markets for long term investing success. New build properties tend to appreciate better than rehab properties. And you know what's funny, Adam, I was just sharing this with my audience on a recent episode. I largely disagree with this long time investing axiom in real estate that says appreciation is just icing on the cake. I think I know what they're saying that doesn't help you out on a month by month basis, but we're in real estate investing for the long term and long term, more of your returns typically come from leveraged appreciation than they do on the cash on cash return from cash flow. So to me, appreciation is not just icing on the cake. In a lot of cases, it is the cake. And really, that's something that new build can offer more of.    Adam Schroeder  31:09   Yeah, I mean, it's almost in, especially in today's market, it's almost like cash flow is the icing on the cake. You know, you can get a property that, you know, is in that really good area, like we're talking about, and is, maybe it's appreciated a little bit now, but it's very likely to appreciate a lot later. If you're only making, if you factor everything in maintenance, vacancy, all of that, and you're making $100 a month, that's solid, you know, if you look at it, and if you're in those areas, if you appreciate 5% on a $300,000 property, let me tell you this, you're not going to make $15,000 in cash flow that year on that property. So if you look at the people who are really retiring on cash flow, are usually the people who have 100 200 300 doors or something like that, and they play the law of large numbers. I don't want to play the law of large numbers personally, I want to have really good quality assets and have fewer of them, and really work on having positive cash flow, but having the equity growth that allows me to pull money out tax free and either buy more investments or utilize how I want in my life.    Keith Weinhold  32:16   Exactly. If your property cash flow is $100 a month and it's a single family home. Some people say, Oh, that's awful. You would need 100 of them just to get 10k pass it per month. Now you're thinking wrong, and you're oversimplifying it like to your point, with the 300k home and 5% appreciation, that's 15k in one year, you're building equity that can be borrowed against, tax free, and you're building up that lump sum cash flow windfall down the road, if you will, in real estate pays five ways and cash flow matters, but it's only one of five profit centers and all that. So yes, we're so aligned on that one, appreciation is not just the icing on the cake, it's substantially more than that. Well, I've got something to announce. Adam here is going to co host, along with our own longtime investment coach, Naresh, an upcoming live virtual event. And it's called how to scale your portfolio with tenanted cash flowing new construction properties. And it aligns in every way with the trends that we've been talking about and that Adam and I have been identifying here. The event takes place next week. But first, tell us more about what you and the ray shall be speaking about at the event there. Adam.   Adam Schroeder  33:29    one of the biggest concerns people have about real estate, and one of the things that can eat in your cash flow more than anything, is vacancy. I mean, vacancy can kill your deal whenever it's all said and done, because it's one thing, if you're, you know, break even or $100 a month positive cash flow. But whenever you've got a vacant property and you're negative $1,500 a month, that can hurt, that can hit the wallet. And so what we really love, if you can hit it, is a tenanted property that's new and is in a growing area, yeah, and we've got that thankfully. I mean, we've been able to work some really good relationships with national builders that have allowed us to get into they were doing a lease to purchase option with tenants who wanted to buy their property but didn't have it saved up, and these people didn't exercise their option, but they've renewed their lease so you can come in and buy a property that has them in place. It is a house that they wanted to buy. So how long are they likely to stay? Probably quite a while. They like the school district, they like the neighborhood. They like everything about it. You're coming in, you've got the builder incentives we talked about before, and you're just in a positive cash flow position already. Now we're in Texas, which I was actually funny enough. Earlier, right before this interview, I was reading about the states that are going to grow the most, projected until 2050 and they expect Texas to grow by nearly 9 million people between now and believe it was 2050    Keith Weinhold  34:55   everyone's asking, when is it going to pass? California is the most populous state in the nation.    Adam Schroeder  35:01   Well, it depends how many people. In California are part of that 9 billion we've gotten quite a few of them there. As somebody who lives in Texas, and we're in the big cities too. We're not in the Podunk Texas towns you think about in, you know, east or west Texas. We're talking Houston, Dallas and San Antonio, which are three of the top, I believe, 15 largest cities in the country. We're getting some really good incentives. You can get up to right now, 10% builder incentive. So a $300,000 house, you have $30,000 that you can use. That's massive. Yeah, you can get that money back after closing. We can buy your rate down. And we have some people who have literally taken the whole 10% and put it towards a fixed 30 rate at four and a quarter percent. Wow, they are locking themselves in at four and a quarter. Or we have some people who say, like, we were just talking about cash flow is not a concern for me. I'm going to take half my down payment back, and I'm going to go buy another property, because I'm only in this property for 10% now, and so they're able to be, you know, roughly break even in a good growing area, and they can acquire a second property. So you're buying two properties without mortgage insurance for essentially a 30% total down payment, and you're getting your 10% back if you buy the second property. So it's just really incredible time. Like you said, we haven't seen a time like this before. We were able to get into the wholesale division of these builders and provide these incentives that I've personally never seen before. Some of our reps are buying these homes themselves, so we're putting our money where our mouth is. It's just a great time, especially like you were saying, these homes the inventory, take advantage of the opportunity, right? And there's an opportunity that's presenting itself. And if you look at the long term demographics of Houston, Dallas and San Antonio. It's an arrow pointed up. That's what those areas are.    Keith Weinhold  36:46   100% I mean, it's almost as predictable as anything. There's never a guarantee, but continued population growth and obvious need for housing there is about as close as you can get. That's massive. 10% back, 380k purchase, $38,000 back at the closing table to use in discount point buy downs completely or half on discount point buy downs and half to pocket and use on another property or use on your next vacation or whatever you want to do. That's massive.    Adam Schroeder  37:18   Yeah, it's fantastic. One thing I forgot to mention about Houston. It's one of the things I love that people don't think about has the third most headquarters of fortune 500 companies in the country, behind New York and Chicago. So people don't think about that when they think of Houston. But I love to throw that out there, because it's there. I love Houston. I lived there for seven years. It's where I met Naresh, actually, and would happily move back there again   Keith Weinhold  37:42   right? Houston has moved so far past the monolith of just having oil be the economic driver. So we're talking about tenanted new construction properties in pretty hot markets, Houston, San Antonio and Dallas ready for you to purchase with that 10% builder incentive. And these are in communities that are primarily owner occupied, so they do have that high appreciation potential and that potential for solid rent growth. So on the live event, the webinar that you are invited to attend from the comfort of your own home, what you can do is just learn more about this overall strategy and why the time in the market is right for this. Learn more about those geographic markets themselves and then their drivers, and even see available new build income property. And the benefit of you attending a live is that you can have any of your questions answered right then and there. You can sign up at grewebinars.com, and Adam, before I ask you if you have any last thoughts, that event is next week. It is Thursday, November 13, at 8pm eastern time again, you can sign up. It is free. Space is limited, so that's something that you want to do now at grewebinars.com, any last thoughts? Adam   Adam Schroeder  38:51   yeah, I will just remind people there's always a reason to buy real estate, and there's always there's always a reason not to buy real estate, and depending on which one you subscribe to, you can always find those opportunities, or you can scare yourself off. So, you know, find the right opportunities that are there for you and your investing style and jump in. Because if you look at what's happening right now. When rates start coming down, owner ox are going to jump back in, and that tends to lead to prices going back up. Like Keith said, these are 85% owner occupied areas, and you're setting yourself up for success. And if you do it now, you can always refi later if rates come plummeting down right so find the right areas. Find the reasons to buy and go for it.    Keith Weinhold  39:41   This is a time when builders are really willing to give you a break. Take advantage of it if you possibly can. Adam, it's been great having you here on the show, and our audience looks forward to seeing more of you next week.   Keith Weinhold  40:00   Yeah, some real potential here. I'm rather excited for your future as a listener next week, investors like DSCR loans, since the qualification looks at the property, not you, and see conventional loans are more for owner occupants. They're fine. They work for investors too. But with dscrs, besides their other advantages, they're a check on making sure your property is profitable. It is just your rent divided by your debt service. That's all it is. So for example, with a $1,000 rent and a piti payment, principal, interest, taxes and insurance payment of 800 bucks. Well, then your DSCR is 1.25 Investors love them because there's no personal income verification, no W twos, tax returns, pay stubs. There's no debt to income ratio bar for you to have to clear also conventional loans often cap you at 10 financed properties, and DSCR loans have no such limit, so there's faster underwriting and easier approval. But with dscrs, look out. I mean, there could be some higher fees, and you might have a three to five year prepayment penalty. But buy and hold investors often keep the property that long anyway, so grow your income streams with dscrs, even when the w2 world says no. And notably, dscrs have absolutely nothing to do with job of the hut either. No sluggy concerns there   Keith Weinhold  41:42   if you've wanted a deal on a property today, here you are with these new build incentives that are really good, better than what most builders are giving looks like. Here's your chance. One reason that the builders are giving us a deal is because of the bulk of GRE buyers. This is for you, if you might want one property or 14 properties load up with these up to 10% builder incentives, or just attend the webinar and learn more. We got into the wholesale division of these builders. We got them right where we want them. The properties are typically already tenanted. So plant your flag in the ground, and call this the pivot point. This whole thing could be a bigger deal than the first man to walk on Mars. We'll see, though, no man has walked on Mars yet, but you don't need to wait that long. Take one of your 30,000 days that you've been gifted in this life of yours, the 30,000 days you've been allotted on this earth to win back some of your future finite time. It is next week, Thursday, the 13th, at 8pm Eastern. It's also GRE last event of the year, your last chance, a live, virtual event where you can attend from the comfort of your own home or anywhere. And it's free. Registration is open now. Sign up at gre webinars.com that's gre webinars.com Until next week, I'm your host. Keith Weinhold, don't quit your Daydream.   Unknown Speaker  43:17   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 you   Keith Weinhold  43:45   The preceding program was brought to you by your home for wealth building, getricheducation.com

Troy Nesbitt joins Salt Church. At Salt Church we believe in Gospel impact right here on the campuses of UF and Santa Fe College.

Disciples don't stop with themselves. The goal of following Jesus is helping others do the same.

This Sunday at Captivate we took a bold step forward in faith toward the Multiply Project God has called us to. This wasn't just another service but a family conversation, and you're the ones driving it.For weeks, you've been flooding us with your real, raw, submitted questions about what it looks like to trust God with a vision this big. And this week we brought a panel of pastors to the stage to answer them live!You've asked about leadership loneliness… service times… project updates... how Multiply works... etc. and where God is calling us to multiply next!This week we unpacked: Your questions. Our answers. His mission.We are prayerfully seeking what God will do when His people ask, listen, and obey.Join us for service online or in person every Sunday at 8am, 9:30am, 11am, & 12:30pm (PST).Connect to Captivate! - https://shorturl.at/nKxQuDownload the Captivate App to Stay Connected! - https://shorturl.at/5PfXPIf you want to share how God is moving in your life through this ministry, please let us know at info@captivatesd.com!Decided To Follow Jesus? Sign up to receive a copy of our “I Have Decided” booklets - https://shorturl.at/93CHSGet plugged in!Next Steps - captivatesd.com/next-stepsVisit - captivatesd.com/visitCommunities - captivatesd.com/communitiesIf you would like to support Captivate financially you can give online through our website by clicking here captivatesd.com/giving Need prayer? Please let us know! - https://captivatesd.churchcenter.com/people/forms/597023For more information about Captivate Church, visit captivatesd.com or follow us on our social media platforms below.Instagram - Instagram.com/captivatechurchsdFacebook - facebook.com/captivatesdWatch More Messages: youtube.com/@CaptivateChurch/videos

Disciples don't stop with themselves. The goal of following Jesus is helping others do the same.

Is Compassion hard for you?1. Compassion INTERRUPTS so God can SAVE.2. Compassion SACRIFICES so God can MULTIPLY.3. Compassion DIRECTS you so God can ENCOUNTER others.*Do not rush pass the anxious, hurting, caught in the waves of life. Let compassion move you to step onto the water. 

Send us a textIn this episode of the Family Office Podcast, recorded live at our Beverly Hills Investor Club Summit, our expert panel dives into the sophisticated tax and legal structures that family offices use to protect, preserve, and grow wealth.From Private Placement Life Insurance (PPLI) to Tax Advantage Corporations and SPVs, you'll hear how top investors structure deals for tax efficiency, asset protection, and multigenerational planning — and why most professionals overlook these strategies.

Kolby MartinSupport the show

In this episode, Ben and Charlie break down one of the biggest decisions every gym owner faces: should you open a second location? From ego-driven expansion to systemised scalability, they explore the common mistakes that derail growth and the smarter strategies for maximising profit in your first gym before taking the leap. Whether you dream of running multiple facilities or simply want more freedom from your business, this episode delivers the real talk gym owners need to hear before expanding. Key highlights of this episode include: ✅ Why your ego might be driving expansion—not strategy. ✅ The systems your first gym must master before scaling. ✅ How to double profit without opening a new site. ✅ The "weekend test" every owner should do before expanding. ✅ When online coaching might be a smarter move than a new gym.   If you enjoyed this video and want to find out more information, click this link to view our website: https://fitnessmarketing.agency/   WE HELP GYM OWNERS, PERSONAL TRAINERS AND COACHES GET MORE LEADS, SIGN NEW MEMBERS AND GROW THEIR BUSINESSES!   Visit our website to learn how we can help you grow your gym business: https://fitnessmarketing.agency/   Be sure to subscribe to learn how to successfully scale and grow your fitness business.   Where to follow FMA? Instagram: https://www.instagram.com/fitnessmarketingagency/ Facebook: https://www.facebook.com/fitnessmarketingagency/ LinkedIn: https://www.linkedin.com/company/fitnessmarketingagency/ Website: https://fitnessmarketing.agency/ Ben: https://www.instagram.com/mrbenjamindavis/ Charlie: https://www.instagram.com/charliehorton/ Luke: https://www.instagram.com/lukebrobinson_/   #fitness #marketing #gym #fitnessmarketingagency #gymowner #personaltrainer #fitnessbusiness

Have you ever wondered how the energy in your home might be shaping your life — your relationships, your finances, even your happiness? Welcome to PowerHouse Feng Shui, a podcast that invites you to create harmony, abundance, and flow — in your home and in your life. Join Patricia as she shares inspiring stories and offers practical Feng Shui tips and powerful mindset shifts to help you transform your space and open your heart to more love, wealth, and joy. This episode is filled with soulful conversations and uplifting guidance to help you manifest your dreams with ease and intention. From aligning your home's energy to expanding your abundance mindset, this podcast will empower you to see every corner of your space and your life as a reflection of your deepest desires. Patricia also answers questions about the PowerHouse journey — and lovingly answers them to help you understand how this powerful practice can support your own transformation. Tune in and discover how to live in flow with the universe, one beautiful shift at a time.   Key Takeaways:  Your home reflects your life. The energy in your space can influence your relationships, finances, and overall well-being. Mindset and space work together. Aligning your thoughts with your environment amplifies your ability to manifest what you desire. Live in flow with the universe. By harmonizing your home's energy, you open the door to a more intentional, joyful, and abundant life.

Join Senior Executive Sales Leader, Missy Carson, as she breaks down simple, practical tips to confidently recruit new team members and set the stage for success. Walk away with fresh ideas, useful tools, and an action plan to keep your momentum multiplying—without overcomplicating it. Get ready to take your recruiting to the next level! Helpful Links: Host Contact Card: https://www.canva.com/design/DAGqqht0Te0/w-5mjc6IB0WZ3dGsPunV-w/view?utm_content=DAGqqht0Te0&utm_campaign=designshare&utm_medium=link&utm_source=publishsharelink&mode=preview

I will surely bless you and give you many descendants. [NIV]

Three Key Decisions that God led Johnson Ferry to make in the first 10 years to become a Great Commission Church:1. Giving to Missions – Matthew 6:212. Prayer3. Going and Sending I. Verse 16 – Another appearance of Jesus after His Resurrection      a. Location – around the sea of Galilee      b. It was one of 11 appearances recorded in scripture      c. Any disciple wants to be with the Risen Lord II. Verses 17-18 – They worshipped Him      a. To know Jesus is to worship Him.      b. But some were doubtful.      c. Verse 18 – Confirms they were doubting themselves.      d. What doubt sized challenge is God putting before you? III. Verse 19 - Go.      a. A command - As you go      b. The command - To make disciples.          i. An example of a great disciple maker          ii. It only begins through preaching the gospel      c. Where?          i. All Nations – Ethnos – People Groups          ii. It is a local and global calling      d. The first command for a new disciple is baptism IV. Verse 20a - Teaching disciples how to obey:      a. The Great Commission is a two-fold focus (Reaching and Teaching)      b. What do we teach?  The Bible      c. Good teaching and preaching has application      d. The result of good teaching is obedience​V. Jesus promises to be with us always (v 20b)      a. In giving, prayer, going and sending, trusting      b. He gives us a great power – The Holy SpiritWhat God sized challenge is God leading you and ABC to fulfill? The Most Important Work on Earth is the mission of Christ's Church

In this special message from Everyday Mission, guest speaker Daniel Dixon unpacks why we multiply as followers of Jesus. From the Great Commission in Matthew 28:18–20, we're reminded that multiplication isn't just a church growth strategy—it's the heartbeat of God's mission. We multiply because the gospel is important, people are important, and God is important. When we grasp the weight of His authority and the beauty of His presence, we're compelled to share His love and make disciples everywhere.For more information about Integrity Church, visit our website, http://liveintegritychurch.org Connect with us on social media throughout the week to stay up to date on events and things happening at Integrity! Instagram: @integrity_church Facebook: https://www.facebook.com/liveintegrity/

Because God's mission is to reign through humans, we must create image bearers who righteously rule on his behalf. Genesis 1:20–23, 26–28 20 And God said, “Let the waters swarm with swarms of living creatures, and let birds fly above the earth across the expanse of the heavens.” 21 So God created the great sea creatures and every living creature that moves, with which the waters swarm, according to their kinds, and every winged bird according to its kind. And God saw that it was good. 22 And God blessed them, saying, “Be fruitful and multiply and fill the waters in the seas, and let birds multiply on the earth.” 23 And there was evening and there was morning, the fifth day. 26 Then God said, “Let us make man in our image, after our likeness. And let them have dominion over the fish of the sea and over the birds of the heavens and over the livestock and over all the earth and over every creeping thing that creeps on the earth.” 27  So God created man in his own image, in the image of God he created him; male and female he created them. 28 And God blessed them. And God said to them, “Be fruitful and multiply and fill the earth and subdue it, and have dominion over the fish of the sea and over the birds of the heavens and over every living thing that moves on the earth.”

How do we multiply God's glory as christians?

Lisa + Mike MerillatSupport the show

To hear more about what God is doing in Sheboygan County and beyond, visit us at posc.church!

Duncan's journey isn't just about following Jesus: it's about being fathered, mentored, and learning how to pour life into others. In this episode, he shares the raw, real challenges of stepping into spiritual family, learning to disciple, and multiplying what he's been given.Hear how love, patience, and mentorship transformed a young follower into someone raising up the next generation of disciples. This is a story about legacy, growth, and the unseen work of shaping lives that last beyond a single lifetime.Mudd and Rib Podcast: Listen Now on Apple PodcastsCovo Multipliers:Join the Signal Group: To connect with others living the co-vocational lifestyle, share wins/challenges, and get early access to event updates: https://forms.gle/TWB6kGRQWdpgbvFu8Visit covomultipliers.com for upcoming training, immersions, and resources. 4 Fields Training November 7-9 - SIGN UP NOW.

Episode DescriptionIn this episode of the Lead Ministry Podcast, Josh Denhart and Vance Martin get practical about training that lives beyond you. They unpack a simple, reproducible path—Model, Mentor, Multiply—so your team grows without burning you out. If you've ever felt the weight of doing it all yourself, this episode will equip and inspire you to build people, not just programs—and to see legacy while you're still there. Key Topics CoveredModel – Be the trail guide and invest in a person, not just a task. Mentor – Pull back the curtain and teach them to guide others. Multiply – Train multipliers and become a development “grandparent.” Key Quote“Your legacy doesn't have to wait—train for fruit that remains.” Scripture References2 Timothy 2:2 – “Pass it on to faithful people who will be able to teach others also.” Ephesians 4:11–12 – Equip the saints for the work of ministry. TakeawayDon't lower the goal; build the steps. Start with one person. Keep meeting. Keep modeling. Then mentor them to invest in someone else. Over months—not days—you'll see a self-sustaining team and a living legacy. Call to ActionWe hope this episode encourages and equips you. Share it with a friend and stay tuned for more resources each week.Stay Connected for More ResourcesVisit our website: http://leadministry.comFollow us on Facebook: https://www.facebook.com/LeadVolunteersFind us on Instagram: https://www.instagram.com/leadvolunteers

Is your team struggling to stay focused, experiencing conflict, or feeling adrift? In this episode, Cynthia sits down with Jenn Chang to unpack how to lead disciple-making teams that stay aligned, fruitful, and focused on multiplication. ✅ You'll learn: Proven strategies for leading effective, healthy teams How to overcome common challenges in disciple-making environments What it takes to build a culture of multiplication PLUS—Cynthia shares an exciting announcement about the future of the podcast and Jenn's new role in it!

John 12:20-261. Anyone can meet with JESUS2. Harvests come through SACRIFICE3. Mission-minded churches plant SEEDS to maximize FRUIT     -Plant Money     -Plant People4. Multiplying churches move from SUPPORTING to SENDING5. Multiplying churches view LOSSES as GAINS

Willy Rice from Calvary Church, in Clearwater, Florida shows us how we can Multiply the talents that God has given us. Mathew 25 is more than a story about economics, but about how Jesus wants us to multiply what he's given us.

Listen, Learn, Live.

The Mitzvah of Pru Urvu is commandment upon men, women are not obligated in this Mitzvah. Why wouldn't women be commanded in a Mitzvah they have such a strong inborn desire to fulfill?Thank you for being a listener, as we begin the 6th season of these shiurim.Have a great Shabbos.

Influencers already have what most businesses are chasing...trust. That loyal audience, the solid ground of followers, is the ultimate unfair advantage. In this episode, we're breaking down how influencers can use paid ads to pour gasoline on an already burning fire — turning organic reach into scalable, consistent growth. Ashley dives into the long-term effects of owning your audience instead of relying solely on social media platforms. From where to strategically place your ads, to how Amazon attribution links can track real results, and how influencers can leverage their following for more than just one-time conversions. Most influencers only get paid on the cart value — but the real money is in everything that comes after: bonuses, repeat purchases, and brand relationships built on data and trust. If you already have followers, this episode will show you how to turn that influence into a sustainable business model that keeps paying off long after the first click.   Connect with Ashley: Join the Challenge: Win with Paid Ads Challenge Buy the Book: How to Win with Paid Ads Instagram: @ads.with.ashley

Money doesn't get complicated. People do. In this episode, Matt and Luigi sit down with Scott Yamamura, a financial coach who's ditching Wall Street jargon for straight-up clarity. If you've ever felt behind, confused, or just plain bored when it comes to your money, Scott's got a wake-up call: you have more power than you think…but it's fading by the decade. He lays out his 3 financial epiphanies that simplify how money grows, why time matters more than talent, and what most people get dead wrong about saving and debt. This isn't a lecture. It's your financial pep talk with a playbook.  

This week I bring Kassidy Warren back on the podcast! You can listen to his last episode here, where he broke down each property in his portfolio and how he scaled to something bigger and better with each investment.  Today, we dive even deeper into that same philosophy with the "velocity of money". Kassidy shares how you can be doing the same amount of work on each STR you launch... but getting 2-3x more returns from that same project?! It all comes down to which deals you're pursuing.  If you're someone who's turning and burning flips or 1031 exchanges, wondering why you've done so many deals, but still don't feel like you're getting ahead, this episode is for you! Connect with Kassidy Thank you to our sponsor Lodgify – Take 20% off Lodgify's most powerful plans with code novacancy20! Learn more about your ad choices. Visit megaphone.fm/adchoices

What if the shaking in your life isn't turbulence, but a transfer? In this episode, Pastor Mike Kai challenges leaders to see disruption as God's strategy for refinement and preparation. From ancient biblical wisdom to modern-day business lessons, he reminds us that we were born for such a time as this. In this powerful episode of Pound for Pound Leadership, Pastor Mike Kai unpacks why Inspire Church carries its name and vision for the future (00:16). He shares how God uses shaking, whether in economies, politics, or even personal challenges, to position us for growth and greater purpose (02:32, 04:21). Drawing from the story of Joseph (08:33) and the biblical wisdom of the men of Issachar (07:36), Pastor Mike highlights the importance of discerning the times and stewarding influence well (16:04). Listeners will also hear practical lessons from business and culture, including the faith-driven foundations of companies like Chick-fil-A and In-N-Out (17:14), and even the “Mamba Mentality” of Kobe Bryant as an example of pushing through pain with purpose (24:52). Through personal stories of setbacks, denials, and God's redirection (27:10, 30:36), Pastor Mike reminds us that every leader was built to multiply, advance, and steward for the Kingdom (31:44). This is a message of faith, resilience, and vision that will inspire you to see beyond the shaking and step fully into your Kingdom assignment. __________________ 00:16 Pastor Mike thanks everyone for coming to the lunch in and shares the story of how and why they changed the name of the church to Inspire Church when it was once called Hope. 00:26 Its about going home and being inspired and living an inspired life that God has for us. They did not rebrand it was a vision for what would become 25 years later. The meaning of the word in greek means breath of God, 01:27 Pastor Mike recognizes his wife Lisa Kai and thanks her for all of her support 02:32 so I believe with all of my heart that we were built for a moment like this, to survive shaking economies, political uncertainty or AI disruption. We're here to thrive. We're here to go beyond what we're seeing right now today. 02:55 The shaking is strategic- there is alot of shaking going on. Example during 2020 when covid took place the church shook your business 03:33 the book of Haggai chapter 2”6-9 is referenced 04:21 This is not turbulence its a transfer economically worldwide. God uses shaking to refine us and raleigh us and revelea things are shaken in your life. 04:53 Were you doing something in the past that Go says you dont need for the uther of yor business or your ministry? Is there something that you need to let go of? 05:06 Pastor Mike references his space shuttle example. Two solid fuel rocket boosters to catapult that space shuttle into its own orbit but it would release the rocket boosters. If you dont let it go its not going to take you where you need to go 05:47 what is in your life right now that you need to cutt off? 06/13 Pastor Mike shares he recently was in WA DC whiule the president was making alot of moves in the middle east. And how alot of CEO's were flow out to the middle east. Something is going to happen and we need to be ready for it 06:56 Pastor mike talks about the price of xrp ripple skyrocketing, and bitcoind and gold. 07:36 men of Isaka in the bible referenced. 12 tribes in Israel Abraham, Isaac, Jacob and his 12 sons. 07:58 we must understand the signs of the times. 08:33 it is going to take the anointing and the favor of one of my favorite people. Joseph in the old testament one of jacobs sons was sold into slavery by his brothers beacuaes they were jeolous of him. The book of genesis is devoted to his story. 09:13 Pharoah had a dream and none of his people could interpret his dream but someone remembered Joseph who was in prison that could interpret dreams. And because he was able to tell him what his dream meant he was elevated and no longer in prison but they used him for his prophetic skills 10:36 Do you know what things are going to look like for you paST 2026? Sometimes you can tell by the people around you. 10:51 Pastor Mike suggested speaking to elders and look at history to forecast too. 11:00 a book by Titus Cone was referenced tells a story about him arriving to Hawaii by 1836 and led one of the greatest revivals in history of the world. And we because the most literate people on the planet by 1830 13:57 Apostolic system was created by Joseph to prepare for the famine. 14:48 every influence that Pastor Mike has and that we all have is to influence change in the islands. 15:07 Pastor says that he gets told all of the tie on instagram to stay in his lane. 15:52 You are a business leader for Jesus, you understand the kingdom assignment. 16:04 What are you doing to influence society? 16:22 Deuteronomy chapter 8 verse 18 is referenced. Your prophet is the fuel for Gods purpose. Your success is the confirmation of his calling on you. 17:14 Pastor Mike shares the story of Chick-fil-a and how the founder didnt just build a fast food empire he built a company of biblical values. And in-n out, alaska airlines was also a christian owned business. And shared their corporate purpose. 19:05 Pastor Mike shares how he used to work for the airline and he used to look down at his job until a coworker said this to him: (you are on the ramp for Jesus) 22:33 The bible says without faith it is impossible to please God so stick your neck out. 22:49 mathew 25 references the parable of the talents. God knows the capacity of every person that he was working with. If given alot even more wil be required. Even when your big can you stil be faithful in the little? 24:52 April 12 2013 lakers vs warriors he talks about when Kobe Bryant tore his achilles, and talked about his rant on facebook and the mamba mentality. Even in pain im still in purpose. Sometimes pain is proof that youre still in teh game. 27:10 The call he got 10 years ago from the bank telling him he did not get approved for the 10 acres and how upset he was. He wanted to blame everybody. But God blessed them with another church to buy and a developer that is now opening their Kapolei location. 30:36 Sometimes a denial is actually a delay whether in your business or personal. Pastor mike encourages you to put Jesus first. Churches 10% is for God. 31:44 you were born for such a time as this. Multiply advance and stewart. You were built for this. Why because youre doing it for the kingdom 32:34 Prayer in closing

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Do you ever end the day feeling like you were busy nonstop… but somehow didn't really get anything done? Between the texts, the quick favors, the emails, the “just a minute” tasks—it's no wonder our focus feels shredded. Research from UC Irvine shows that after each interruption, it takes an average of 23 minutes to fully return to your original task. Multiply that by a few dozen interruptions, and there goes your deep work. In this solo episode, Kate shares the simple system she uses to protect her focus without letting the rest of life fall apart. It's a daily practice that corrals distractions, clears mental clutter, and helps you end the day feeling both productive and peaceful. You'll learn: Why “just a quick reply” can secretly cost you half an hour of focus What context switching does to your brain (and how to stop it) How to separate what's urgent from what's important The hidden power of batching micro-tasks How to close the workday with clarity and calm This small mindset shift can change the way you work, lead, and live—no assistant required. Mentioned: Gloria Mark's research on interruptions (UC Irvine) American Psychological Association on multitasking Cal Newport's Deep Work David Allen's Getting Things Done The Eisenhower Matrix Keep going:

When two faith-based credit unions unite, it's not just about growing bigger—it's about multiplying Kingdom impact. We're talking about something that's a lot more than just a merger— it's about expanding services and supporting ministries worldwide. Aaron Caid joins us today to talk about the exciting merger of Christian Community Credit Union (CCCU) and AdelFi Credit Union.Aaron Caid is the Chief Marketing Officer at Christian Community Credit Union (CCCU), an underwriter of Faith & Finance. A New Season for Christian Community Credit UnionWhen it comes to money, the conversation always goes deeper than numbers. For Christian Community Credit Union (CCCU), finances are a matter of faith, stewardship, and Kingdom impact. That's why the announcement of a merger between CCCU and AdelFi marks such a significant and exciting new chapter.This merger wasn't a quick decision. It was the culmination of nearly two years of prayer, discernment, and thoughtful consideration by both boards. Both organizations share a Christ-centered mission, with AdelFi carrying a 60-year history of faith-aligned banking and a strong commitment to supporting Christian ministries. The merger is designed to create a stronger credit union, expand reach, and multiply Kingdom impact.What Members Can ExpectFor CCCU and AdelFi members, the transition will be seamless. Accounts and services will remain uninterrupted. At the same time, members can look forward to enhanced digital tools, stronger security, expanded member support, and greater lending capacity. That means more opportunities to serve individuals, churches, ministries, and faith-based businesses with tailored financial solutions.The heart of this merger is ministry. By combining resources, CCCU will be able to give more generously to global partners such as Samaritan's Purse, the Tim Tebow Foundation, and Mission Aviation Fellowship. Together, the new institution will support churches, mission-sending agencies, and faith-based organizations with greater financial strength. At the end of the day, it's not just banking, it's stewarding resources for eternal impact.With the merger complete, CCCU will become the largest Christian banking institution in the United States—holding more than $1.5 billion in assets. Beyond size, the partnership brings specialized expertise. AdelFi's strength in serving Christian-owned businesses complements CCCU's established ministry partnerships, while AdelFi's connection to over 4,000 missionaries deepens the reach to those serving around the world.The Path AheadThe merger is officially effective December 1, and members don't need to take any action. Services will continue seamlessly, with every account insured up to $250,000. CCCU is committed to keeping members updated through email and the merger hubs on their websites.This partnership represents more than financial growth—it's about multiplying impact for the Kingdom. Together, CCCU and AdelFi are equipping God's people and ministries with financial tools that advance the Gospel and care for others in Jesus' name.To learn more about this new chapter in Christian banking, visit FaithFi.com/Banking.On Today's Program, Rob Answers Listener Questions:I have approximately $630,000 in savings and would like guidance on how to invest it, pay off around $20,000 in debt, and purchase a home within the next year. I'm 35, and my wife and I expect to work another 15–20 years. How should we best allocate our money?The parable of the talents has inspired me to start investing. I have less than $10,000 and have been watching YouTube videos to learn. Can you recommend trustworthy resources—such as websites or books—that can help me develop financial wisdom?I'm getting ready to apply for Social Security. Is it better to apply online, over the phone, or in person at the office?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Christian Community Credit Union (CCCU)AdelFi Credit UnionSound Mind Investing (SMI)The Sound Mind Investing Handbook: A Step-by-Step Guide to Managing Your Money From a Biblical Perspective by Austin Pryor with Mark BillerSocial Security Administration (SSA.gov)Wisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Okay soooo this episode is kind of a personal one... but also a powerful one.But first, we are SO CLOSE to my WealthGen launch!!! Join my FREE Masterclass on October 14 at 12pm CST here: https://www.randacarrabba.com/wealthgen-method/0R YOU CAN DM ME THE WORD WEALTH ON INSTAGRAM @randacarrabbaWe just got back from the Ryder Cup — VIP crypto guests, first class flights, zero stress over money.And I'm not saying that to brag. I'm saying it because 3 years ago… we were stressed over a $1500 dinner bill for my husband's birthday and wondering how we were going to fund the next round of app development.And now?Now I can invest. Give. Travel. Rest. Multiply.Not because I'm working harder… but because I finally stopped trying to do business the world's way.This episode is for the woman who is exhausted by hustle culture and wondering if she can really build something that works without burning out.Here's what we're getting into:Why the real flex is when your business runs while you restA peek into what really happened behind the scenes in our marriage and money dynamicThe exact systems that let me be the wife and the wealth builderHow crypto and Kingdom finance are connected (yes, really!)What Scripture taught me about building a business with God's blueprint — not the world'sAnd the reel truth on what wealth means when it's built by women of GodThis one is faith-forward, but also super strategic.It's about wealth without worry.Marriage without pressure.And business that doesn't break you.If you're building legacy and you're tired of feeling like you have to pick between faith or finance,taking care of your family or building a business,being soft or being smart — then this episode is going to meet you right where you are.And remember, if this stirred something within you to finally build wealth and plug into a business system that can MULTIPLY even bigger than you can....We are ONE WEEK AWAY from my FREE Masterclass on October 14 at 12pm CST here: https://www.randacarrabba.com/wealthgen-method/0R YOU CAN DM ME THE WORD WEALTH ON INSTAGRAM ⁠@randacarrabba⁠Love you big.xo,Randa

In this empowering episode, Brooke Thomas dives into five key strategies for unlocking success together, specifically designed for faith-driven women in business. She unpacks the power of gathering with like-minded women, speaking up with boldness, cultivating a focused and resilient mindset, guarding your time and energy, and building transformative morning habits anchored in God's presence. With scripture, personal stories, and practical questions for reflection, Brooke inspires listeners to foster authentic community, prioritize aligned action, and leverage faith to create both business growth and generational impact. This episode is a powerful call to rise up, live out loud, and pursue your God-given calling with intentionality and joy.   Timestamps: