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Because coal is bulky, tricky, dusty and unsightly stuff, storing it between its arrival in Hong Kong and it getting used was always a problem. That's because as demand rose, so the amount of coal needed to be kept on hand increased accordingly: from around 3,000 tonnes in 1844 to more like 10,000 tons twenty years later and, forty years after that, 100,000 tons. That's a lot of real estate. Ad hoc solutions ruled the roost over the first twenty or so years – including that of the P&O Company that stored its coal afloat in a hulk (ship without masts or sailed), the ex-East Indiaman, the Fort William from the late 1840s until the late 1870s. Interestingly, that doesn't seem to have been the most usual solution. The Fort William is the only coal hulk ever mentioned. Most coal was stored on land, which provoked an expected NIMBY reaction. Efforts were always being made to get it out of sight…well, out of the gweilos' sight. The happy solution turned up in 1860 after the 2nd Opium War. The Kowloon Peninsula was empty of upmarket gweilos and out of their sight. Perfect. For the next eighty years it became the site of most of the largest coalyards both for commercial use and for the Royal Navy. Hong Kong Island didn't escape entirely, but the coalyards got shoved out to the edge, first in Wan Chai and then in the North Point/Taikoo area. After WW2 demand for coal for fuel disappeared in favour of oil, so coalyards dwindled to two large government owned and operated yards at Lai Chi Kok and the Taikoo end of North Point. That's until the 1970s oil shock, when suddenly Hong Kong's electricity generating stations decided coal was cheaper. That's how come in the last 50 years (c.1975-2025) Hong Kong has imported SEVEN TIMES more coal than it imported in its first century during the heyday of the steam ship. Happily for us all, the two power companies store what is at any one time about 250,000 tons of the stuff way out of sight on the west coast of Lamma Island and at Castle Peak beyond Tuen Mun.
Josh Klein teams up with @CalibrateConversations to analyze a recent youth leader training video that was leaked to the public from North Point church (Andy Stanley's Church). Josh and Brady analyze the training from the good to the bad to the horrific and everything in between. Support the ministry: freethinkingministries.com/donate Josh's article on Andy Stanley: https://freethinkingministries.com/the-curious-case-of-andy-stanley/
In this episode, Brady teams up with Josh Klein from @FreethinkingMinistries to respond to a leaked LGBTQ+ youth leader training video from North Point Community Church — led by the influential Andy Stanley.We break down the language, theology, and cultural shifts revealed in the training and offer a biblical response rooted in truth and love. This is a critical conversation for anyone involved in youth ministry, Christian parenting, or church leadership.⏱️ Timestamps00:00 Intro02:05 Why this conversation matters10:59 Overview of North Point's LGBTQ+ training29:30 Discipleship vs. affirmation42:48 Gender dysphoria and youth identity52:29 Puberty blockers and medical harm1:05:15 The tragic consequences of “loving affirmation”1:15:01 What churches must do moving forward
Today in Current Events from a Christian Perspective:Apparently, Andy Stanley's church, Northpoint has a message for middle schoolers and small group leaders - use preferred pronouns and make sure you walk along with their gender transition. Is this for real?Meanwhile, Trump's spiritual advisor, Paula White wants you to have 7 spiritual blessings for Easter, all for the low, low price of $1000. Yikes.Oh and the newest remake of the Narnia series will have Aslan, the lion, aka Jesus Christ, portrayed by Meryl Streep. All this and more today on ChurchPublic..---At Church Public we create compelling content to equip you to follow Jesus and engage in the public square including Current Events from a Christian Perspective.Thanks for watching! Thanks for listening!Support the Channel on Substackhttps://substack.com/@churchpublicListen on Apple Podcastshttps://podcasts.apple.com/us/podcast/church-public/id1520119356Listen on Spotifyhttps://open.spotify.com/show/3cWx1g4WfSOVs8MX05cSvH?si=8ajf5wFVSjakXiYS7HkmhgListen on GooglePodcastshttps://podcasts.google.com/feed/aHR0cHM6Ly9mZWVkcy5idXp6c3Byb3V0LmNvbS8xMTc2MjU0LnJzcw?sa=X&ved=0CAYQrrcFahcKEwiI_4eugrbwAhUAAAAAHQAAAAAQAgFind Me:www.churchpublic.comFacebook: https://www.facebook.com/ChurchPublic/Twitter: https://twitter.com/churchpublicInstagram: https://www.instagram.com/churchpublic/Support:on PAYPALwww.churchpublic.com/supportToday is a great day to start your own podcast. Whether you're looking for a new marketing channel, have a message you want to share with the world, or just think it would be fun to have your own talk show...podcasting is an easy, inexpensive, and fun way to expand your reach online.Following the link in the show notes let's Buzzsprout know we sent you, gets you a $20 Amazon gift card if you sign up for a paid plan, and helps support our show.https://www.buzzsprout.com/?referrer_id=1132064Support the show
The website and X account protestia.com got ahold of a training video from Andy Stanley's hugely influential North Point Church on how middle school leaders should respond to trans-identifying kids and their families. The video features Britt Kitchen, the middle school ministry director at North Point, effectively encouraging leaders to affirm trans identities (I say effectively because he doesn't explicitly say that, but it's the implication of all he's presenting). In this episode, I play and respond to 6 brief clips from the video. It's a tragic case study of how unbiblical ideas are being pushed from within the church.Watch the original 6-minute video the clips are pulled from here: https://x.com/Protestia/status/1905574394732118425
What if tomorrow's church hinges on how we show up for the next generation today? Matt, Northpoint's Student Ministry Director, shares powerful stories and practical insights on how fun, belonging, and empowerment can transform their faith forever and how you may have a key role to play as well. Whether you're a parent, a leader, or just curious, you can be FOR the next generation too.
**Discussion begins at 5:00**Gabby Petito was born and raised in Blue Point, New York and was the oldest of 7 children in a blended family. While attending Bayport Blue Point High School, she met Brian Laundrie. After graduating in 2017, they reconnected and began dating in 2019. Eventually, they decided to move to Northpoint, Fl to live with Brian's parents. In 2020 they got engaged, and Gabby purchased a Ford Transit Connect - which the couple converted into a sleeper van. On July 2, 2021 they set off from New York on a 4 month roadtrip through national parks. Gabby was hoping to take off as a content creator, and was vlogging the journey on her YouTube and Instagram accounts about #vanlife. On August 12, 2021 police responded to a 911 call in Moab, Utah. The caller had reported seeing a man attacking a girl in a van driving by. The couple was separated and the police felt that Brian was the victim and no charges were pressed. They sent him to a domestic abuse hotel for the night, and she stayed in the van. The couple then proceeded on their trip. On August 25 Gabby made a final post to Instagram and then stopped responding to texts or phone calls. On September 11, Gabby's mother filed a missing persons report in Suffolk County, NY. When police went to the Laundries as part of a wellness check, they learned that Brian had returned home in Gabby's van, without her. But the Laundries had already hired an attorney and refused to cooperate with the police investigation. The investigation let them to Grand Teton National Park in Wyoming, where Gabby's phone was last used. On September 19, 3 weeks after the investigation had begun, her body was found in the park. After the discovery of her body, a search warrant was issued on the Laundrie home, and it is then that we learn Brian Laundrie had disappeared days prior, last seen going on a hike. A month later, on October 20, Brian Laundrie's parents discover his body in Carlton Reserve, a nature preserve near their home. With him, they find a backpack that contains a journal with a partial confession – Brian claimed that he had killed Gabby, but only because she had a freak accident and was suffering and asked him to put her out of his misery. The coroner eventually ruled Brian Laundrie's cause of death to be suicide by GSW. However, a number of inconsistencies in the crime scene, and his parent's unwillingness to assist in the search for Gabby Petito, have led many online to speculate that Brian Laundrie is not actually dead, and that his parents helped him fake his death to cover it up.Send us a textSupport the showTheme song by INDA
Atlanta Braves Pitcher Grant Holmes joined The Locker Room from Spring Training in North Point and talked about adding a new pitch to his arsenal, his offseason routine, the starting pitching staff and much more including of course his hairSee omnystudio.com/listener for privacy information.
Keith Weinhold and Caeli Ridge discuss the benefits of a type of loan that combines mortgage and banking features. This loan allows deposits to reduce principal first, every deposit acts like a payment, minimizing interest accrual. And can be used for cash-out refinancing, providing flexibility and potential tax benefits. Hear about the importance and the difference between open-ended and closed-ended loans. If you pay down the loan balance over time, you can have a spread that allows you to access that equity without having to requalify or pay additional closing costs. Resources: Explore the loan simulator at RidgeLendingGroup.com or call 855-74-RIDGE or e-mail: info@RidgeLendingGroup.com Show Notes: GetRichEducation.com/542 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching:GREmarketplace.com/Coach Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments. You get paid first: Text FAMILY to 66866 Will you please leave a review for the show? I'd be grateful. Search “how to leave an Apple Podcasts review” 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: Automatically Transcribed With Otter.ai Keith Weinhold 0:01 Welcome to GRE. I'm your host. Keith Weinhold a discussion about the future mortgage rate direction. Then there's a property loan type where you don't have to make any monthly payments, and if you do make a payment, it all goes toward principal, and nothing is lost to interest. It can save you lots in interest expense over the life of the loan today on get rich education. 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 in 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 from flaccid County, Oregon to Lackawanna County, Pennsylvania and across 188 nations worldwide. I'm Keith Weinhold, and you are back in for another wealth building week here at get rich education, just another shaved mammal with the microphone here, I have a real estate analogy for you. Growing up, my dad told me, whatever you do, do it well. And that was broad guidance for life. I like things that are easy to remember. Our simple home in Appalachian Pennsylvania was headed with a wood fired stove, so we couldn't just turn a dial and feeding the stove with those logs took time and work. It was a family effort. Dad split the firewood. My chore was to regularly move firewood from the wood pile into the home, and then Mom or Dad would start the fire and constantly tend to it and get it up to the right temperature. But you know, when that fire finally roared, it felt like it could have heated five homes. And this is like buying an income producing rental property. You can't just point and click to make income reliably appear. It takes time, and even some of this admin type of work before you feel hot returned the spark that can ignite the fire means first putting your financial house in order. Those are things like getting pre approved for a mortgage loan, and then they're stacking the firewood, which means finding a deal, making an offer, booking a property inspection, scheduling an appraisal, perhaps signing a property management agreement if you're not self managing, and then, of course, placing a tenant. But see when that investment property fire roars after a year or two that can create enough returns for five retail investors, just like our roaring wood fire could have heated five homes, even though you're only one investor getting like 5x returns, and by now, you probably felt, after a year or two of owning it, the profitable warmth of the five ways you're paid that you know so well. Those five ways are leverage, appreciation, cash flow. Tenant made principal pay down a tax benefit basket and the quiet, whispering fire of inflation, profiting on your loan, but you can't get over leveraged, meaning that you can't make the payments, or else you burn the whole house down. This means embracing the right level of debt rather than avoiding debt altogether. So yeah, you know, if you want to be in the top 1% or maybe even top 5% Do you know what that means? It means being misunderstood by the masses. And when you do this right, it's not about getting rich quick, but it's about building wealth. For sure, feel the fire and whatever you do, do it well, just like my dad told me, and oh, by the way, today, my parents still live in that same. House, but they now just turn a dial for heat. Well, you know, there's been a lot of real estate and financial news lately, just this constant feed of news. And I really need to tell you something about that. I am not a news reporter. If some news just broke an hour ago. A lot of times people are only overreacting to something like that. So here at GRE I infuse the news longer term into our content of the show, because some of it is just too big to ignore. But often let it settle down for a little while and filter out what it really means to you as an investor. I mean, being an educational platform rather than a news platform is what it's about. So I want to make sure you understand the relationships rather than just reporting the news. I mean, for example, what tariffs can do to home prices and rents and inflation. I mean, that really impacts you and your real estate long term. Rather than just doing something like reporting that the tariff on this nation that looked like it was going to be 25% is now only going to be 10% or something like that, that really doesn't affect you so much. So now that you know more about what to expect here, which are the stories that really affect you as an investor? The last inflation report did come in at a hot 3% that startled economists that it was that high. And what that does is that makes bond yields rise, because bond investors need a real return net of inflation, and in turn, that soon makes mortgage rates rise, and also it makes Jerome Powell be in no rush to cut his Fed funds rate after this hot inflation report, either. And here's another long term relationship that can help you learn the Fed's dual mandate is, what do you know? What it is, the two things I've mentioned it to you before, the Fed's dual mandate is maximum employment and stable prices. That right there is inherently volatile, because when employment is maximized, well then employers, they have to compete with higher wages in order to attract workers, and that makes prices go up, destabilizing the prices will stable. Prices is the second part of the dual mandate. So that's why it always seems like there's this lightning rod attention on Jay Powell in the Fed. It is because the dual mandate is inherently volatile. Now, you know what I think about predicting mortgage rates. I don't like to do it because it's an almost impossible task, like the myth of Sisyphus, that Greek myth about rolling a boulder up a hill wells, Fargo says mortgage rates will go down to just six and a half percent by the end of this year, so not much of a drop. And also by the end of next year, almost two years from now, they'll still be just six and a half percent. And other C rates rising from here. So there is broad consensus that there's zero reason to think that artificially low rates are going to return anytime in the near term, perhaps even in the intermediate term, coming up on a future episode of the show here and soon, how to use AI in real estate investing today, let's talk about mortgages and a special loan type. Today, we are back with the national leader in providing Americans with income property loans. She runs the operation at Ridge lending group. She's been doing this 25 years she's an investor herself. It is their CEO and president, Caeli Ridge, Caeli Ridge 9:06 Keith, thank you for having me. Keith Weinhold 9:08 There does seem to be one US president. That makes a lot of news lately, but Caeli is still the most noteworthy mortgage type of President, I suppose. And just like GRE Ridge focuses on education and Caeli mortgage rates. It's the topic that everyone wants to talk about. I don't predict mortgage rates, but I know that you'll Talk That Talk a little. And previously, many expected Jerome Powell and the Fed to drop the rate four times this year, then two and now more and more expect zero rate cuts at all this year, even opening the door for rate increases if inflation persists. So tell us about the propensities of this year's mortgage rate direction. Caeli Ridge 9:51 I think that I agree with a lot of the volume out there related to interest rates kind of stay in the course. I don't think we're going to see too much of a decline. There's. Certainly, Keith, we talk about this at nauseum. There's all kinds of things that could derail that statement that we can't prepare for, we couldn't predict for, but I think overall rates are going to stay steady. I think that whether you like them or you don't like them, the tariffs tend to come with an inflationary tone. And if that's the case, it's going to put Jerome and his buddies at the Fed in a tough position to do what they had hoped to do with the easing, the monetary easing. So I don't expect to see it, but I'm hopeful who knows. Who knows? Keith Weinhold 10:29 Now, for you, the listener and viewer here, when you really want to know what moves rates around, Caeli talk to us about this persistently high spread, and what that means is that historic difference between mortgage rates and the yield on the 10 year treasury note. Caeli Ridge 10:47 I feel like a lot of what that's going to attach itself to is the inflation, and then, more specifically, when we talk about llpas, and I think we've talked about this in the past, loan level price adjustments, mortgage backed securities secondary market, right? This is an investment that is bought and sold on the New York Stock Exchange, right? These are investments that carry value. And while the Treasury is usually the one that people will look at to predict where interest rates are going to go, I feel like in this higher rate environment, the secondary market understands that these mortgage backed securities are going to be paying off in advance of profitability. Now this gets a little bit complicated, but the easy way to explain it is is that if you secure a loan today at, say, seven and a half percent, if the anticipation is that interest rates over the next three years, maybe not in the next year, but two years, even three years, are going to decline. The mortgage that was closed today will likely pay off via a refinance. In that event, it's not reached the maturity date, such that when that initial mortgage backed security was purchased on the secondary market, it will have to pay off before the investor has been made whole or profitable. As a result, the margins it's called on in my world, it's called YSP, yield spread premium will not be met. So they're baking in certain levers, or they're hedging, as another way to say it, so that they're not left with those negative balances when these things do pay off when interest rates come down, because interest rates are not a straight line, they go up, they go down, they go east, they go west. So as a result, they're planning far in advance into the future. So I think that has a lot to do with it. Keith Weinhold 12:33 Real Estate industries are shrinking, and it's all related to the fact that back in 2021 the number of existing homes sold peaked at almost 7 million, but last year, it was only about 4 million. That is a huge drawdown. The number of US Realtors is dropping since it peaked in 2023 and Caeli, from what I can see, the number of loan officers, even operating has dropped precipitously over the last four years, it's a reminder that the strong survive and in the mortgage industry, top service is what savvy borrowers need. You go with the people that consistently advise you to take your time and look at your long term strategy and make the correct decision, not always the one giving like 1/8 of a percent lower and an interest rate, so any lender can get you the next loan, and few are going to help you with your long term strategy. With this overall lower volume of transactions taking place, what are your thoughts about how it's impacted the mortgage and lending industries? Caeli Ridge 13:37 It's such a good question. I'm glad that you asked it, and I really do think it speaks to the experts in the space consumers, our borrowers, as we call them, have to be, I believe, a little bit more discerning about who they want to align themselves with and who they want to work with as it relates to the interest rate. We've had this conversation off book. Ridge doesn't sell rate or cost. Now we're competitive, but we're never going to be the lowest possible lender out there. There's always going to be somebody that can undercut for an eighth, like you said, a quarter point, a few 100 bucks here and there. And we just don't get into that, our value adds far exceed an eighth of a point in rate, which, by the way, you probably can predict what I'm going to say next, if you're not doing the math, just as a sidebar listener, the difference in payment, and that's really where the focus should be. The difference in payment on an eighth or a quarter percent in interest rate on $100,000 is all of 5,7,8, bucks a month. Okay, so make sure you're doing the math, but the value adds that come with the education that we provide the 49 states, large footprint and the diversity of loan product, I think, far outweigh any eighth or few $100 difference when you're comparing side by side. I'm not saying that you don't want to get comparisons and you don't want to be a smart, informed consumer, but it really does matter that your lender understands known, owner occupied understands how to. Or take you from point A to point Z today and five and 10 years down the road. Keith Weinhold 15:05 you've been a mortgage industry leader for a long time with this lower volume. Have you seen mortgage companies implode close shop? Caeli Ridge 15:15 Absolutely, we have access to those data points and the number of loan officers just the individual in the doing the transaction, not including processors and underwriters and funders and doctors, but just the loan officers. I believe, in 2024 reduced by a margin of 53% gosh, yeah, that's a big number. Keith Weinhold 15:35 Yes, this is really hit the industry substantially. Are there any other interesting industry trends in this environment where we have persistently higher rates, I make sure not to say high, because historically, mortgage rates are still not high. The long term average being seven and three quarter percent on the 30 year fixed rate mortgage Are there any other trends that this loss in activity has created? Caeli Ridge 15:58 I feel like the informed investor is still finding ways to profit in real estate. They're finding diversity is key, which I'm a big proponent of as are you. That means single family residence to two to four units, cash flow versus appreciation, the short term rental, the long term rental, the midterm rental, making sure that they have a good, rounded portfolio is key. And there are some which I think we're going to be talking about today. There are some mortgage tools that I really feel like, for an informed investor, are allowing them to continue and propel further, even scale into the 25 and 26 years. Keith Weinhold 16:36 What's happened to the volume of owner occupied transactions versus investor transactions. I would imagine that investor mortgage transactions really aren't down that much. Caeli Ridge 16:47 not that much. I'd say there was a small blip, but I feel like we've made those up with some of the burr strategy loans we do, of course, all kinds of mortgage related transactions specifically for investors. And one of those products is a short term bridge loan, which would apply to the BRRRR method by rehab, rent and refinance. So we've been seeing quite a bit of that, where the investor will find a good deal on market or off market, where they can put a little bit of lipstick on it and then refinance it at the ARV or after repair value. So anything that we might have lost in just a traditional 30 year fixed straight purchase transactions, I feel like we made up in the other but it wasn't a big margin. Keith Weinhold 17:26 What if there was a mortgage product out there that just didn't work like other mortgage loan products do? For example, your deposits or the payments that you make on this special type of mortgage is applied to the principal first and only. There are a lot of other interesting characteristics about this particular mortgage product. We're going to discuss that when we come back. You're listening to get rich education. We've got the CEO and President of ridge lending group back with us, an investor centric lender. I'm your host, Keith Weinhold. You know what's crazy? Your bank is getting rich off of you. The average savings account pays less than 1% it's like laughable. Meanwhile, if your money isn't making at least 4% you're losing to inflation. That's why I started putting my own money into the FFI liquidity fund. It's super simple. Your cash can pull in up to 8% returns, and it compounds. It's not some high risk gamble like digital or AI stock trading. It's pretty low risk because they've got a 10 plus year track record of paying investors on time in full every time. I mean, I wouldn't be talking about it if I wasn't invested myself. You can invest as little as 25k and you keep earning until you decide you want your money back, no weird lock ups or anything like that. So if you're like me and tired of your liquid funds just sitting there doing nothing, check it out. Text FAMILY to66866, to learn about freedom, family investments, liquidity fund, again. Text FAMILY to 66866 hey, you can get your mortgage loans at the same place where I get mine at Ridge lending group NMLS, 42056, they provided our listeners with more loans than any provider in the entire nation, because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage. You can start your pre qualification and chat with President Caeli Ridge personally. Start Now while it's on your mind @ridgelendinggroup.com that's Ridge lendinggroup.com Rick Sharga 19:48 this is Rich charga, housing market intelligence analyst. Listen to get rich education with Keith Weinhold, and don't quit your Daydream. Keith Weinhold 20:06 Welcome back to get rich education. We're talking with a steady guest over time, because not only are they an income property centric mortgage loan company that do mortgage loans in 49 of the 50 states, but they're also centered on education and looking out for you, the investor, over the long term. And cheyley, such an interesting product that you offer is called the all in one loan. It's been a long time since you and I have really talked about this. What it is is a first lien HELOC. It's a way for you to use the equity in your existing properties. You can do it with either a primary residence or investment properties. There are just so many reasons why an all in one load just kicks the butt on a conventionally amortizing loan, including that all payments are applied to principal first and only, and a lot of other exciting things. So Caeli, why don't we back up and just describe what the all in one loan is big picture. Caeli Ridge 21:05 Now there is a lot to unpack, so we're going to take our time. Listener. First of all, let me just explain. Why is it called the all in one it's called that because it doubles as both a mortgage in the form of an open ended revolving HELOC and checking and savings. Both of those two features are combined, hence the all in one as a way of diminishing the amount of interest that can accrue over time. Let me explain so any revolving account, any account, including a credit card, for example, but first lien HELOC, second lien HELOC, whichever doesn't matter, open ended revolving is the key. Any open ended, revolving account will accrue interest daily based on two factors, the first being that day's balance and that months, in this case, interest rate, fully indexed interest rate. I'll come to interest rate later. As a result, you now have control largely over how much interest can accrue. Now let's take that statement and transfer it and look at it against an amortized, closed ended mortgage. You sign up for a 30 year fixed mortgage today. Let's say it's 7% whatever the interest rate is, is really irrelevant. Your principal and interest payment are defined on day one. There is no changing that monthly payment. Now you could certainly accelerate the payoff of that mortgage debt by doing what applying additional extra principal payments, right? But what happens to that extra principal payment when you send it off with your 30 year fixed mortgage payment, Keith Weinhold 22:34 it drops your loan balance, but your minimum payment amount is the exact same the next month, Caeli Ridge 22:38 right? And then what happens to all that liquidity that you had prior, it's now illiquid. Right? Exactly that off Keith Weinhold 22:45 you've just transferred your cash flow into equity. Financial freedom is created by doing the opposite thing and changing equity into cash flow, Caeli Ridge 22:52 very illiquid, and not the way an investor typically is going to want to run his or her business. So hence the all in one. Now for those of you that have heard the term velocity banking or infinity banking, maybe whole life insurance policy has a similar tone to this. The all in one, I believe, offers even more flexibility for variety of reasons that we're going to get into. But if you've ever heard those terms, that's similar to what this is. So I want to start by I usually like to give an example, okay, and provide some visual aid so that people can connect the dots. Let's start with the 30 year or a fixed rate mortgage. Just because I feel like, especially in the US, this particular loan product, or its concept is widely used in much of the rest of the world, in the US, I feel like we're sort of preconditioned here to really only understand that closed ended, amortized mortgage. So I'm going to start with an example there that actually highlights or leads into the concept of the all in one. So I want you to imagine a 30 year fixed mortgage and a 15 year fixed mortgage. Both of these mortgages originated or started at $400,000 as the balance on day one. The 30 year fixed mortgage locked at an interest rate of 4% and the 15 year fixed mortgage locked at an interest rate of 7% now, when I go through this exercise and I give this example to people, I ask them the question, Well, which one would you choose? And without exception, if they don't understand amortization, they are going to select that 4% 30 year fixed mortgage, because they don't understand that it's about speed. When you run the math and you look at an actual amortization table, you'll see that you'll pay $40,000 more in interest on a 4% 30 year or 360 month, versus a 7% 15 year or 180 month. So the point here, and what I'm illustrating, is it's speed. Now let's segue back over to the all in one. It's all about speed and how much interest we allow to accrue over time. So as you had mentioned, to start the kick this off, Keith, every deposit acts like a payment. Now here's where I struggled with this in learning. And when this was first introduced to me years ago, this part of it really caught me off guard. I had to really dig in and try to focus on what are they talking about? What do they mean? There's no payment due on the all in one. I'm gonna say that again. There's no payment due on the all in one. Think about your 30 year fixed mortgage. If you don't make a payment, what happens? Keith Weinhold 25:19 You're defaulting, you're in trouble. You become delinquent, Caeli Ridge 25:23 right? So that is not how this loan is set up. And it's not smoke and mirrors, okay? It's nothing fancy. The deposits that you make from ordinary income from all sources really Okay, so we want to talk about this is really special for investors, because we have access to gross rents, the rental income that's coming in before we send it back out the door, along with our net wages and every other source of income, deposits that we're getting can be utilized to your advantage. One of the ways in which I describe this is, I like to say you've become your own bank, so you have this line of credit, and your gross rents and all of your net wages are going to deposit into your checking account, driving that principal balance down, dollar for dollar, so that the interest accrual is diminished. Because remember what I said a few seconds ago, the interest is calculated on any open ended revolving account based on two factors, the balance for the day and the interest rate, so the more you have in depository income, and you drop it into your checking account, the longer it stays there, the lower the amount of interest is going to accrue within a 30 day billing cycle. Now let me just paint one more picture, and then we can open up to what questions come from this. So I want you to imagine this is I'm going to use easy, round math. I want you to imagine that you have an unpaid principal balance on your mortgage, on your HELOC of $100,000 just for round easy mouth, and that you bring in $10,000 a month in income from all sources. And just to keep it simple, we're going to say that that 10,000 comes in on day one of month one. Okay, so here's our 100 grand sitting there. My $10,000 is deposited into my checking account. Now my balance is $90,000 right? That 10 grand is not going to be touched. You will not touch that $10,000 for 29 days out of a 30 day billing cycle. And I'm giving you optimal tricks. Okay, this is how you want to use it optimally, yeah. Day one, instead of paying interest on $100,000 you're paying interest on paying interest on $90,000 and you're going to pay interest only on $90,000 for 29 days out of a 30 day billing cycle. Well, how am I going to make all my bills? And how am I going to eat? And how am I going to pay my cell phone? And what am I going to do? You're going to use a credit card, or credit cards of your choice, the ones that provide the best points, or whichever you prefer doesn't really matter. To pay all those monthly living expenses now we don't want to pay any interest on our credit cards. Right? 18, 28% whatever it is. No thank you. So now we're going to go to day 30 of that 30 day billing cycle. Right? 29 days that 10 grand has sat in there. Our balance has been 90. Our interest has accrued on that 90. On day 30, the credit card has amassed $9,000 in expenses. You've spent $9,000 for the month on food, gas utilities, car payments, cell phone, everything goes on that card. Day 30, you go into your checking account where your 10 grand has been sitting, and you write a check to pay off the credit card $9,000 so for one day of the month, we went from 90,000 in a balance to 99,000 right. 9000 had to come out of the 10 to pay off the credit card. We had $1,000 left over. Now I want you to fast forward into month to day one our starting balance, because that $1,000 leftover was our residual income, our discretionary our savings, it's what was not spent, but I have full access to it. Should I need it? So day one, month two 99, 000 is my outstanding balance. I drop in my $10,000 of income. 89,000 is what I'm going to be paying interest on for 29 days of a 30 day billing cycle. So this should allow listeners to connect some dots. There are two components of compound interest savings, the first being daily. We've got our income dropping in there. It's just sitting so daily savings, compound interest savings. And then that leftover savings, that residual, that $1,000 is going to be left in there month after month 24/7, access. That's monthly compound interest savings. So those are the two components that make this product profoundly impactful in diminishing that interest accrual over time. Why don't I take a pause Keith Weinhold 29:30 so with the all in one loan, we're really integrating our consumer accounts with our mortgage. Absolutely right? Is there a way to automate these payments associated with this? Caeli Ridge 29:43 Yes, I'm glad you asked. So everything that you have become accustomed to today in your checking and savings is going to be exactly the same with the all in one this mortgage is housed by an FDIC insured banking institution. It'll be one of two places depending on which. Which ends up picking up the rights. It'll be North Point or merchants, bank, those are the two that service this loan. Feel free to check them out when you think about the automation of your checking and savings accounts with your B of A, Chase, Wells, Fargo, whomever, credit union, whomever you bank with. Now there will be no difference to that experience and this experience so online bill pay, debit cards, routing numbers, paper checks. Should you still use those mobile apps? If you get a paper check, you take a picture and it uploads to the account. All the same exact automation as you have become used to today will apply with the all in one Keith Weinhold 30:36 and you described how the all in one loan is an open ended loan versus your plain vanilla 30 or fixed amortizing loan, which is closed ended. For those that don't know, what do those terms open ended and close ended mean? Caeli Ridge 30:48 So amortized is predetermined over the period of time that you've gotten the mortgage for. So whether it be a 10 year, a 20 year, 2515, 30, whatever it is, it is closed ended, so the interest rate that you secured against the loan amount that you've taken, they have come up with the formula, the calculation that says, This is how much interest you're going to pay over this length of time. And the longer the amount of time that you have selected, let's say a 30 or maybe even a 40 year. Those do exist, in some cases, the longer the amount of time that closed ended amortized mortgages in play, the more interest you're going to pay. Now, it keeps your payment lower for sure, but they're going to make it up in the interest that you'll pay in the long time. Now the open ended revolving just means that it is available to pay down and draw up, and pay down and draw up. It is not closed Keith Weinhold 31:40 and then with those conventional mortgages, typically, especially when you originate a new loan for years, most of your payment goes to interest, which would not be the case with the all in one loan. Caeli Ridge 31:53 Exa ctly. Yeah. So anybody that's looked at an amortization table knows the first 10 ish years, we'll just keep using the most common, 30 year fixed first 10 years or so, maybe even a few years past that, 90% of your payment is going to go to the interest. You won't start chunking down any principal until the back end of that mortgage, 180 or complete flip to the all in one every dollar that goes in there drives the principal down first. Keith Weinhold 32:18 That is huge, even if you pay a higher interest rate on your all in one loan, you can see how you have fewer dollars out of pocket in interest paid, which is what really matters to you, Caeli Ridge 32:30 exactly, right? So think about a 20% interest rate. If you're paying 20% interest on 50,000 then 7% interest on 500,000 you can see how the math will work in your favor, regardless of the number in the interest rate in comparing side to side. And one of the other things that we haven't touched on, and maybe this is a good segue, Keith, it's not just the daily deposits. We have clients that take out a, you know, a million dollar line of credit, but they have $500,000 sitting idle for whatever it is their business needs. And in the E commerce. It doesn't even matter, but they have this amount of cash that they're simply going to take from this vehicle a regular checking account over here, and drop it in here, and that interest is saved. That $500,000 that was sitting idle doing nothing over here is now saving interest at an incredible rate. So it's not just the daily and monthly deposits. If you just have idle cash, or you know you're going to be getting a bonus or a tax refund, or whatever it is, those monies that would otherwise just sit in a one to 2% maybe interest bearing checking savings account can now be applied over here, driving down that balance further, dollar for dollar saving in that interest. Keith Weinhold 33:39 So we are opportunistic investors here, when we see an accumulation of equity in a property or cash in an account, we want to get that moving with this all in one loan again, which is like a first lien HELOC, I would imagine that would we get plenty of room to borrow more in there, and there's been plenty of pay down, we might want to draw against it again for another purchase, and let this thing be flexible like an accordion back and forth as you're drawing the balance down and you're extending it out again. So really, the way I see the flexibility with the all in one loan is that you don't have to go through another mortgage loan origination each time you want to buy a property. You can just draw against this account. Caeli Ridge 34:20 And we're still just scratching the surface in what this thing does exactly right? And I've said this twice now, you've become your own bank. Yeah, okay, if you pay it down over a short period of time, let's say that you had half a million dollars and you were able to reduce that down to 300,000 there's a $200,000 spread there that, at your discretion, do not have to re pre qualify and pay closing costs. Again, you don't have to ask permission or get it approved, for some reason, those are your funds, your equity, your dollars to do what you want, when you want, how you want. The other thing too is probably a good place to point this out, safety net, as long as there is a spread between what you owe and the credit limit. Whatever that is. If something were to happen That was unfortunate, some unfortunate set of circumstance befell the family, whatever, and no income was coming into the household zero. What would happen if you didn't have money to make your 30 year fixed mortgage payment? You're going to ruin your credit and go into default. Well, the reverse is true with the all in one if there is a spread between the balance and the limit and you needed to not make any deposits, the only thing that's going to happen in that case is interest is going to accrue on top of that balance. The only time a payment deposit is mandated with the all in one is when the balance is about to exceed the limit. That's the only time. Now I'm not saying that that's the way people are going to use it, but that's the reality of it. So what if this? Let's take this down the rabbit hole for a second. If you couldn't make a deposit, you're not going to go into default, right? You're simply going to add some interest on top of the existing balance. But what if you needed to draw from it for living expenses for a couple of months? Yeah? What if you needed, you know, $5,000 a month for three months until you got back on your feet, whatever it is you have access to do that. There's your safety net. You just simply draw from it, as long as there's a spread between the balance and the limit, those are your funds to do with what you choose Keith Weinhold 36:13 if one takes out a HELOC, whether that's in an all in one loan form or not, something that I've advocated with my listeners for years is that now you do have this line that you can draw against to your point Haley, it's effectively another layer of insurance for that borrower or investor. So if you're interested in keeping down your insurance premium, you can get a HELOC or an all in one loan increase your insurance deductible, which can lower your insurance premium and increase your cash flow. Caeli Ridge 36:43 Good point. You know, I hadn't even thought about that before. That is a new one on me that is actually brilliant. Yes. Keith Weinhold 36:50 now we had a listener quite a while ago, Mark from Granite Bay, California, right in Mark's a great long time listener. When he found our show, he wanted to go back and re listen to all the old episodes. And he listens to several episodes multiple times. And Mark wrote in because he heard you on the show quite a while ago. And Mark says, I've been using the all in one loans, amazing mortgage balance deduction. But as a GRE listener, I know I can't be lured in by that alone. I also need to utilize its leverage. I just used my all in one loan Mark continues to say, probably, like a lot of others, to buy a duplex for mid south home buyers in all cash and then refinance that loan into a fanniefreda 30 year from my all in one loan simulations, and Caeli has an all in one loan simulation on her website that she'll tell you about. But to finish Mark's question, Mark says, I have gathered in these simulations that as long as properties are cash flowing, the best use of the all in one seems to be to keep repeating what we did on our first duplex purchase, use the all in one loan, to buy properties in all cash, and then later refi it into better debt or leverage, and then continue to repeat the process. Is that a valid way to use it? That's Mark's question. Caeli Ridge 38:03 Absolutely. Mark, Well done, sir. And there's a few points here that I want to take a minute and peel back, Keith, so one of the first things that I would say that's really great about that philosophy or that strategy is going to be that on a cash out refinance of the property that was paid cash, using the all in one we get to use the appraised value. So under the circumstances, if you paid $100,000 for it, and perhaps it valued at 110, 151, 20, whatever it is, then we as the lender are going to refinance on a cash out refinance using that higher appraised value, so you have a little bit more leverage there, and potentially get more in that loan to value when you're comparing what you're getting back versus what you put in. The other thing, obviously, is that when you're dealing with a turnkey or a seller, an agent, whatever, everybody knows that when you can come to the table with cash, yeah, right, you become the more desirable buyer. There's that obvious piece, and then in terms of that strategy and that simulation. So please, yes, that is absolutely the first thing that I'm going to do with anybody that calls in is I'm going to get on the phone with them, a teams call, and we're going to do the simulator together. But I encourage everybody to get in there and play around with it. If you're not quite sure what data points it's asking for, let us know, or we'll do one together. But that simulator is going to allow you to compare the all in one to either an existing mortgage on a primary rental property or a new traditional mortgage. Let's say you're thinking about buying an investment property with a 30 year fixed and you want to compare that to the all in one, or maybe you want to refinance one of your existing properties, so you can compare it to existing versus new. And then within that simulation, it will allow you to forecast additional spending. That will allow you to say, I want to take out $50,000 in month 22 and it'll reformulate where the simulation of saved interest, payoff time, all of those things will be available to you within that simulator. It's very slick. Keith Weinhold 40:00 And now that you, the investor, have the ability to pay all cash, not only can you close faster, but a lot of times, sellers are willing to give you a discount, since you can close faster and pay all cash, and then it's up to you down the road to go ahead and refinance that into a conventional product, or however else you want to do it. Caeli, what else should we know about the all in one loan? Caeli Ridge 40:24 Couple things I would share. First of all, the qualification metric for the all in one is going to be a little bit more restrictive than a traditional 30 year fixed mortgage, so be prepared for a little extra brain damage. I know that getting qualified for mortgages is not everybody's favorite activity. I get it. There's a lot that goes on to it. It's not like the good old days where some remember you could fog a mirror and get a mortgage, but the all in one does take it to another level, even beyond what you're used to now. So debt to income ratio, I'll give you the specifics really quickly, so just be prepared. I like to set that expectation. Debt to income ratio caps at 43% on the all in one versus 50% that we would have from a traditional Fannie Freddie, 30 year fixed. The reserve requirement is calculated based on the line limit. It's dependent on the debt to income ratio. I'll just leave it there. It'll either be 10% or 15% of the line limit. So if the limit was 100 grand, 10,000 or 15,000 is the reserve requirement, and then the minimum credit score requirement. Owner Occupied is 700 non owner occupied is 720 so a little bit higher on the bar for qualification for the all in one. Keith Weinhold 41:33 Who is this for? And who is it not for? Caeli Ridge 41:36 It is for anyone generally that has at least 10% discretionary income at the end of the month. Typically, everybody's circumstances are different. I encourage you to play with the simulator. Get on my schedule. Let's do it together. But more often than not, we find that 10% left over at the end of the month is generally enough for it to work for the individual, and for those of you that got 2% interest rates during the pandemic, I just want you to know that I'm running the simulator against those loans day in and day out. And I would say, I'll give you a 65% of the time the all in one is beaten the, you know, what, out of a two and a half percent 30 year fixed mortgage Keith Weinhold 42:12 that is really interesting. Well, there's a lot of opportunity and flexibility with the all in one loan. Is there any last thing that we should know about it. Caeli Ridge 42:22 Start doing your due diligence. This does take a minute to unpack. Don't get overwhelmed by all the information. We've talked about some real tangible stuff here, but there's quite a bit that there would be to uncover. So take your time. Call us. We'll walk through it step by step Keith Weinhold 42:36 and get started on that simulator and really see what it can do for you to make that actionable. Caeli, Where should one start? Caeli Ridge 42:44 Head to our website, ridgelendinggroup.com you can email us info@ridgelendinggroup.com and obviously we're always a phone call away at 855, 74, Ridge Keith Weinhold 42:54 and again, you can find that all in one loan simulator, where you can plug in some real numbers and see how it can benefit you. A friendly representative from Ridge can help you. Go ahead and do that there. So there's a lot of excitement about the all in one loan, especially, or an investor that has a GRE mindset philosophy and thinks about the opportunity of dead equity. But now that we've talked about that, tell us just quickly about some of the other products that you offer in there at ridge. Caeli Ridge 43:23 So I think one of the real value adds for us is that we're not a one size fits all. We have an extremely diverse menu, as I like to call it, of loan programs. The all in one is at the top of a short list of my favorites. For some individuals, you got the fanniefriddies. You've got non QM, which includes DSCR, debt service, coverage ratio, bank statement loans, asset depletion loans. We have ground up construction for those that are interested in that. We have our short term bridge loans that I talked briefly about, where if you need fix and flip fix and hold, potentially, you need shorter term money, commercial loans for commercial products, commercial loans for residential in a cross collateralization way, if that is to your advantage. So as you can see, it's quite diverse. Keith Weinhold 44:03 It's been valuable as always, and I definitely learned a few extra things that I did not know about the all in one loan myself. JAYLEE Reyes, it's been great having you back on the show, Keith. Thank you. Now a mortgage company, of course, they have overhead and employees that they have to pay and so on. And you know, from talking with Chaley some more, I learned that they don't even make much profit from all in one loans. We wanted to discuss it together today for your benefit. However, though there are some real fees with the all in one loan, you pay points of three to 4% of the draw in closing costs only, but it's a one time fee, not every time you draw against it. She also let me know that it does not make your taxes substantially. More complicated, if you think that it can help you clear a few minutes, learn more and get hooked up with that all in one loan simulator, where they will help you through it. Big thanks to Caeli Ridge today, they really make themselves available. You can just call 855, 74, Ridge. Or if it's more your style, visit them at Ridge lending group.com Until next week, I'm your host. Keith Weinhold, don't quit your Daydream. Speaker 1 45:31 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. Keith Weinhold 45:59 The preceding program was brought to you by your home for wealth, building, getricheducation.com.
During the first part of today's show Chuck & Chernoff were joined by Nick Cellini & Chris Dimino as the 4 guys talked about what's going down with the Braves at North Point and this day in pop culture history. See omnystudio.com/listener for privacy information.
Today on The Riff, Jeremy and Justin sit down to talk about what is coming up for North Point. We hope today is helpful and hopeful. Thanks for listening!!
Dan took a trip out to Wayne, PA to sit down with rock n' roll lifer Paul Keen (Pawnshop Roses, Dead Flowers, Wolf & Vixen). Paul talks about growing up loving the classic rock of his parents, especially The Rolling Stones, The Kinks, The Faces, and The Who, and finding a home in the Manayunk music scene at The Grape Room and Dawson Street Pub. Dan and Paul discuss the finer points of being two aging music guys who are trying hard not to be cranky nostalgists, the merits of dive bars and clubs, and how a life of playing out at bars has to be handled just right so as not to make your life a never-ending party. Paul's newest project is a duo with his partner, author C.C. Lane, Wolf & Vixen. they have a new single out now called "Everyone's On Drugs", available wherever you get your digital music. Dan's note: This is the last episode I'll be producing while residing in Philadelphia for a while. Next you hear from me, I'll likely be balancing a Zoom H6 on my lap while holding a mic in a small apartment in the North Point neighborhood of Hong Kong. There are a handful of interviews I conducted while still in Philadelphia, and I'll be putting those out over the next weeks. Philadelphia will always be part of me, and I'll be back to visit, and eventually to live again. I'll miss each and every one of you. Be well.
Today on The Riff, Jeremy and Justin finish up a 2-part series on NEXT as they talk about the mission and the strategy of North Point. We hope today is helpful and hopeful. Thanks for listening!!
Send us a textGeneral Surgeon Dr. Jillian Ciocchetti left her very comfortable hospital-employed job of 15 years to venture into Direct Care Surgery. She gives us insight about how she connects with self-funded plans that funnel patients to her and she performs the surgeries at a Direct Care friendly facility. This is affordable surgery, not cheap surgery. Find her at:Northpoint AestheticsNorthpoint Surgery & Aesthetics
Send us a textGeneral Surgeon Dr. Jillian Ciocchetti left her very comfortable hospital-employed job of 15 years to venture into Direct Care Surgery. She gives us insight about how she connects with self-funded plans that funnel patients to her and she performs the surgeries at a Direct Care friendly facility. This is affordable surgery, not cheap surgery. Find her at:Northpoint AestheticsNorthpoint Surgery & Aesthetics
Today on The Riff, Jeremy and Justin start a 2-part episode about NEXT. They walk through the beliefs of North Point and also the taste of elk chili. We hope today is helpful. Thanks for listening!! Show Notes: Long Haul Faith https://www.youtube.com/watch?v=_S3UimAITeo
We all want to win at life and every year, we think about what we could do differently in our lives to help us win. But what if winning at life was less about doing more and more about doing the right things, consistently, for the right purposes? And what if we could create a structure to our life that enabled us to win for a lifetime? NEXT STEPS: Wherever you are, we want to help you discover what's next.https://www.npaustin.com/whatsnextNot sure where to start? We're here to help! Email: connection@npaustin.comWhether you're joining us in person or online and whether you are a long-time attender, new here, just visiting, or simply curious about faith - we want you to know you are welcome here and we are for you! STAY CONNECTED: Subscribe to stay up-to-date on all things Northpoint: https://www.youtube.com/@NorthpointAustinWebsite: https://npaustin.com/Facebook: https://www.facebook.com/experienceno...Instagram: https://www.instagram.com/northpoint_ch/ABOUT US:We believe that for too long, the church has been known for what it's against. We want to be known for what we're FOR – our community, healthy relationships, the next generation, and people discovering a God who loves them. Vision: To inspire people to follow Jesus.Mission: Make Jesus relevant for everyone in Greater Austin.Thank you for giving to support our vision and mission: https://www.npaustin.com/give#Jesus #NorthpointAustin #God #encouragement #churchonline #inspiration #ChurchDNA #JesusWelcomesAll #FaithJourney #NorthpointChurch #freedom #connection #community #Northpoint #church #heart #grace #Relationships #truth #faith #love
We all want to win at life and every year, we think about what we could do differently in our lives to help us win. But what if winning at life was less about doing more and more about doing the right things, consistently, for the right purposes? And what if we could create a structure to our life that enabled us to win for a lifetime? NEXT STEPS: Wherever you are, we want to help you discover what's next.https://www.npaustin.com/whatsnextNot sure where to start? We're here to help! Email: connection@npaustin.comWhether you're joining us in person or online and whether you are a long-time attender, new here, just visiting, or simply curious about faith - we want you to know you are welcome here and we are for you! STAY CONNECTED: Subscribe to stay up-to-date on all things Northpoint: https://www.youtube.com/@NorthpointAustinWebsite: https://npaustin.com/Facebook: https://www.facebook.com/experienceno...Instagram: https://www.instagram.com/northpoint_ch/ABOUT US:We believe that for too long, the church has been known for what it's against. We want to be known for what we're FOR – our community, healthy relationships, the next generation, and people discovering a God who loves them. Vision: To inspire people to follow Jesus.Mission: Make Jesus relevant for everyone in Greater Austin.Thank you for giving to support our vision and mission: https://www.npaustin.com/give#Jesus #NorthpointAustin #God #encouragement #churchonline #inspiration #ChurchDNA #JesusWelcomesAll #FaithJourney #NorthpointChurch #freedom #connection #community #Northpoint #church #heart #grace #Relationships #truth #faith #love
We all want to win at life and every year, we think about what we could do differently in our lives to help us win. But what if winning at life was less about doing more and more about doing the right things, consistently, for the right purposes? And what if we could create a structure to our life that enabled us to win for a lifetime? NEXT STEPS: Wherever you are, we want to help you discover what's next.https://www.npaustin.com/whatsnextNot sure where to start? We're here to help! Email: connection@npaustin.comWhether you're joining us in person or online and whether you are a long-time attender, new here, just visiting, or simply curious about faith - we want you to know you are welcome here and we are for you! STAY CONNECTED: Subscribe to stay up-to-date on all things Northpoint: https://www.youtube.com/@NorthpointAustinWebsite: https://npaustin.com/Facebook: https://www.facebook.com/experienceno...Instagram: https://www.instagram.com/northpoint_ch/ABOUT US:We believe that for too long, the church has been known for what it's against. We want to be known for what we're FOR – our community, healthy relationships, the next generation, and people discovering a God who loves them. Vision: To inspire people to follow Jesus.Mission: Make Jesus relevant for everyone in Greater Austin.Thank you for giving to support our vision and mission: https://www.npaustin.com/give#Jesus #NorthpointAustin #God #encouragement #churchonline #inspiration #ChurchDNA #JesusWelcomesAll #FaithJourney #NorthpointChurch #freedom #connection #community #Northpoint #church #heart #grace #Relationships #truth #faith #love
We all want to win at life and every year, we think about what we could do differently in our lives to help us win. But what if winning at life was less about doing more and more about doing the right things, consistently, for the right purposes? And what if we could create a structure to our life that enabled us to win for a lifetime? NEXT STEPS: Wherever you are, we want to help you discover what's next.https://www.npaustin.com/whatsnextNot sure where to start? We're here to help! Email: connection@npaustin.comWhether you're joining us in person or online and whether you are a long-time attender, new here, just visiting, or simply curious about faith - we want you to know you are welcome here and we are for you! STAY CONNECTED: Subscribe to stay up-to-date on all things Northpoint: https://www.youtube.com/@NorthpointAustinWebsite: https://npaustin.com/Facebook: https://www.facebook.com/experienceno...Instagram: https://www.instagram.com/northpoint_ch/ABOUT US:We believe that for too long, the church has been known for what it's against. We want to be known for what we're FOR – our community, healthy relationships, the next generation, and people discovering a God who loves them. Vision: To inspire people to follow Jesus.Mission: Make Jesus relevant for everyone in Greater Austin.Thank you for giving to support our vision and mission: https://www.npaustin.com/give#Jesus #NorthpointAustin #God #encouragement #churchonline #inspiration #ChurchDNA #JesusWelcomesAll #FaithJourney #NorthpointChurch #freedom #connection #community #Northpoint #church #heart #grace #Relationships #truth #faith #love
The Christmas story is a story that changes everything. In this series, we'll be walking through one of the most famous stories in all of human all leading up to a moment that changed human history for ever.NEXT STEPS: Wherever you are, we want to help you discover what's next.https://www.npaustin.com/whatsnextNot sure where to start? We're here to help! Email: connection@npaustin.comWhether you're joining us in person or online and whether you are a long-time attender, new here, just visiting, or simply curious about faith - we want you to know you are welcome here and we are for you! STAY CONNECTED: Subscribe to stay up-to-date on all things Northpoint: https://www.youtube.com/@NorthpointAustinWebsite: https://npaustin.com/Facebook: https://www.facebook.com/experienceno...Instagram: https://www.instagram.com/northpoint_ch/ABOUT US:We believe that for too long, the church has been known for what it's against. We want to be known for what we're FOR – our community, healthy relationships, the next generation, and people discovering a God who loves them. Vision: To inspire people to follow Jesus.Mission: Make Jesus relevant for everyone in Greater Austin.Thank you for giving to support our vision and mission: https://www.npaustin.com/give#Jesus #NorthpointAustin #God #encouragement #churchonline #inspiration #ChurchDNA #JesusWelcomesAll #FaithJourney #NorthpointChurch #freedom #connection #community #Northpoint #church #heart #grace #Relationships #truth #faith #love
Number 5
The Christmas story is a story that changes everything. In this series, we'll be walking through one of the most famous stories in all of human all leading up to a moment that changed human history for ever.NEXT STEPS: Wherever you are, we want to help you discover what's next.https://www.npaustin.com/whatsnextNot sure where to start? We're here to help! Email: connection@npaustin.comWhether you're joining us in person or online and whether you are a long-time attender, new here, just visiting, or simply curious about faith - we want you to know you are welcome here and we are for you! STAY CONNECTED: Subscribe to stay up-to-date on all things Northpoint: https://www.youtube.com/@NorthpointAustinWebsite: https://npaustin.com/Facebook: https://www.facebook.com/experienceno...Instagram: https://www.instagram.com/northpoint_ch/ABOUT US:We believe that for too long, the church has been known for what it's against. We want to be known for what we're FOR – our community, healthy relationships, the next generation, and people discovering a God who loves them. Vision: To inspire people to follow Jesus.Mission: Make Jesus relevant for everyone in Greater Austin.Thank you for giving to support our vision and mission: https://www.npaustin.com/give#Jesus #NorthpointAustin #God #encouragement #churchonline #inspiration #ChurchDNA #JesusWelcomesAll #FaithJourney #NorthpointChurch #freedom #connection #community #Northpoint #church #heart #grace #Relationships #truth #faith #love
The Christmas story is a story that changes everything. In this series, we'll be walking through one of the most famous stories in all of human all leading up to a moment that changed human history for ever.NEXT STEPS: Wherever you are, we want to help you discover what's next.https://www.npaustin.com/whatsnextNot sure where to start? We're here to help! Email: connection@npaustin.comWhether you're joining us in person or online and whether you are a long-time attender, new here, just visiting, or simply curious about faith - we want you to know you are welcome here and we are for you! STAY CONNECTED: Subscribe to stay up-to-date on all things Northpoint: https://www.youtube.com/@NorthpointAustinWebsite: https://npaustin.com/Facebook: https://www.facebook.com/experienceno...Instagram: https://www.instagram.com/northpoint_ch/ABOUT US:We believe that for too long, the church has been known for what it's against. We want to be known for what we're FOR – our community, healthy relationships, the next generation, and people discovering a God who loves them. Vision: To inspire people to follow Jesus.Mission: Make Jesus relevant for everyone in Greater Austin.Thank you for giving to support our vision and mission: https://www.npaustin.com/give#Jesus #NorthpointAustin #God #encouragement #churchonline #inspiration #ChurchDNA #JesusWelcomesAll #FaithJourney #NorthpointChurch #freedom #connection #community #Northpoint #church #heart #grace #Relationships #truth #faith #love
The Christmas story is a story that changes everything. In this series, we'll be walking through one of the most famous stories in all of human all leading up to a moment that changed human history for ever.NEXT STEPS: Wherever you are, we want to help you discover what's next.https://www.npaustin.com/whatsnextNot sure where to start? We're here to help! Email: connection@npaustin.comWhether you're joining us in person or online and whether you are a long-time attender, new here, just visiting, or simply curious about faith - we want you to know you are welcome here and we are for you! STAY CONNECTED: Subscribe to stay up-to-date on all things Northpoint: https://www.youtube.com/@NorthpointAustinWebsite: https://npaustin.com/Facebook: https://www.facebook.com/experienceno...Instagram: https://www.instagram.com/northpoint_ch/ABOUT US:We believe that for too long, the church has been known for what it's against. We want to be known for what we're FOR – our community, healthy relationships, the next generation, and people discovering a God who loves them. Vision: To inspire people to follow Jesus.Mission: Make Jesus relevant for everyone in Greater Austin.Thank you for giving to support our vision and mission: https://www.npaustin.com/give#Jesus #NorthpointAustin #God #encouragement #churchonline #inspiration #ChurchDNA #JesusWelcomesAll #FaithJourney #NorthpointChurch #freedom #connection #community #Northpoint #church #heart #grace #Relationships #truth #faith #love
NEXT STEPS: Wherever you are, we want to help you discover what's next.https://www.npaustin.com/whatsnextNot sure where to start? We're here to help! Email: connection@npaustin.comWhether you're joining us in person or online and whether you are a long-time attender, new here, just visiting, or simply curious about faith - we want you to know you are welcome here and we are for you! STAY CONNECTED: Subscribe to stay up-to-date on all things Northpoint: https://www.youtube.com/@NorthpointAustinWebsite: https://npaustin.com/Facebook: https://www.facebook.com/experienceno...Instagram: https://www.instagram.com/northpoint_ch/ABOUT US:We believe that for too long, the church has been known for what it's against. We want to be known for what we're FOR – our community, healthy relationships, the next generation, and people discovering a God who loves them. Vision: To inspire people to follow Jesus.Mission: Make Jesus relevant for everyone in Greater Austin.Thank you for giving to support our vision and mission: https://www.npaustin.com/give#Jesus #NorthpointAustin #God #encouragement #churchonline #inspiration #ChurchDNA #JesusWelcomesAll #FaithJourney #NorthpointChurch #freedom #connection #community #Northpoint #church #heart #grace #Relationships #truth #faith #love
NEXT STEPS: Wherever you are, we want to help you discover what's next.https://www.npaustin.com/whatsnextNot sure where to start? We're here to help! Email: connection@npaustin.comWhether you're joining us in person or online and whether you are a long-time attender, new here, just visiting, or simply curious about faith - we want you to know you are welcome here and we are for you! STAY CONNECTED: Subscribe to stay up-to-date on all things Northpoint: https://www.youtube.com/@NorthpointAustinWebsite: https://npaustin.com/Facebook: https://www.facebook.com/experienceno...Instagram: https://www.instagram.com/northpoint_ch/ABOUT US:We believe that for too long, the church has been known for what it's against. We want to be known for what we're FOR – our community, healthy relationships, the next generation, and people discovering a God who loves them. Vision: To inspire people to follow Jesus.Mission: Make Jesus relevant for everyone in Greater Austin.Thank you for giving to support our vision and mission: https://www.npaustin.com/give#Jesus #NorthpointAustin #God #encouragement #churchonline #inspiration #ChurchDNA #JesusWelcomesAll #FaithJourney #NorthpointChurch #freedom #connection #community #Northpoint #church #heart #grace #Relationships #truth #faith #love
NEXT STEPS: Wherever you are, we want to help you discover what's next.https://www.npaustin.com/whatsnextNot sure where to start? We're here to help! Email: connection@npaustin.comWhether you're joining us in person or online and whether you are a long-time attender, new here, just visiting, or simply curious about faith - we want you to know you are welcome here and we are for you! STAY CONNECTED: Subscribe to stay up-to-date on all things Northpoint: https://www.youtube.com/@NorthpointAustinWebsite: https://npaustin.com/Facebook: https://www.facebook.com/experienceno...Instagram: https://www.instagram.com/northpoint_ch/ABOUT US:We believe that for too long, the church has been known for what it's against. We want to be known for what we're FOR – our community, healthy relationships, the next generation, and people discovering a God who loves them. Vision: To inspire people to follow Jesus.Mission: Make Jesus relevant for everyone in Greater Austin.Thank you for giving to support our vision and mission: https://www.npaustin.com/give#Jesus #NorthpointAustin #God #encouragement #churchonline #inspiration #ChurchDNA #JesusWelcomesAll #FaithJourney #NorthpointChurch #freedom #connection #community #Northpoint #church #heart #grace #Relationships #truth #faith #love
President Trump declares victory. So now, let's really win. Also, there has been another attempt to sexually fetishize Jesus. Lastly, an AI deep fake of Joe Biden tells more truth about this election than Kamala Harris and the Mockingbird Media ever did.Episode Links:The crowd erupted in a heartfelt chorus, singing praises to God, "How Great Thou Art," as Trump closed his victory speech. A moment of unity, faith, and renewed hope swept the rally.CNN: "HUGE" shift toward President Trump among Pennsylvania Latino voters.FOX NEWS EXIT POLL: Kamala is woefully underperforming among black voters in Georgia. President Trump at 25% among black men, 14 points higher than 2020. Kamala running 6 points behind Biden 2020 among black women.New Hampshire's 2nd Congressional District race is wild. Democrat Maggie Goodlander [Jake Sullivan's Wife] had no idea what hit her after Republican challenger Lily Tang Williams went on a rampage. New Hampshire's 2nd Congressional District race is wild. Democrat Maggie Goodlander [Jake Sullivan's Wife] had no idea what hit her after Republican challenger Lily Tang Williams went on a rampage. ICYMI. Speaking at the 2022 Queer Christian Fellowship, a pastor and a ministry leader at Andy Stanley's North Point church praise the creation of a new LGBTQ+ -affirming group, calling it a great resource and encouraging people to check it out.“Jesus is polyamorous … he's having personal relationships with billions of other people too. He's kind of a relationship slut- an empowered, reclaimed sort of slut"A Joe Biden Deep Fake Tells More Truth Than Kamala Harris Ever DidAlan's Soaps https://www.alansartisansoaps.comUse coupon code ‘TODD' to save an additional 10% off the bundle price.Bioptimizers https://bioptimizers.com/toddUse code TODD to unlock up to $100 in free gifts and save an additional 10% off the special 3-product bundle for a 25% savings.Bonefrog https://bonefrogcoffee.com/toddMake Bonefrog Cold Brew at home! Use code TODD at checkout to receive 10% off your first purchase and 15% on subscriptions.Bulwark Capital Bulwark Capital Management (bulwarkcapitalmgmt.com)Don't miss the next live Webinar November 21st 3:30pm pacific. Sign up today by calling 866-779-RISK or go to KnowYourRiskRadio.com.Renue Healthcare https://renue.healthcare/toddYour journey to a better life starts at Renue Healthcare. Visit renue.healthcare/Todd
For too long the church has been known for what it's against. We want to be known for what we're For. 15 years ago, 24 adults and 32 kids set out to start a church that is For Austin. And if we're going to be For Austin, we have to create space for the people of Greater Austin. What if we built a center point in our community to connect? A place that is home to Northpoint on Sunday, but that benefits our community every day? What if we could really be… For Austin - for people, for the next generation, and for our community?DON'T FORGET: Be sure to like, subscribe, and share your thoughts in the comments!NEXT STEPS: Wherever you are, we want to help you discover what's next.https://www.npaustin.com/whatsnextNot sure where to start? We're here to help! Email: connection@npaustin.comWhether you're joining us in person or online and whether you are a long-time attender, new here, just visiting, or simply curious about faith - we want you to know you are welcome here and we are for you! STAY CONNECTED: Subscribe to stay up-to-date on all things Northpoint: https://www.youtube.com/@NorthpointAustinWebsite: https://npaustin.com/Facebook: https://www.facebook.com/experienceno...Instagram: https://www.instagram.com/northpoint_ch/ABOUT US:We believe that for too long, the church has been known for what it's against. We want to be known for what we're FOR – our community, healthy relationships, the next generation, and people discovering a God who loves them. Vision: To inspire people to follow Jesus.Mission: Make Jesus relevant for everyone in Greater Austin.Thank you for giving to support our vision and mission: https://www.npaustin.com/give#Jesus #NorthpointAustin #God #encouragement #churchonline #inspiration #ChurchDNA #JesusWelcomesAll #FaithJourney #NorthpointChurch #freedom #connection #community #Northpoint #church #heart #grace #Relationships #truth #faith #love
For too long the church has been known for what it's against. We want to be known for what we're For. 15 years ago, 24 adults and 32 kids set out to start a church that is For Austin. If we're going to be For Austin, we have to create space for the people of Greater Austin. What if we built a center point in our community to connect? A place that is home to Northpoint on Sunday, but that benefits our community every day? What if we could really be… For Austin - for people, for the next generation, and for our community?Whether you're joining us in person or online and whether you are a long-time attender, new here, just visiting, or simply curious about faith - we want you to know you are welcome here and we are for you!Don't forget to like, subscribe, and share your thoughts in the comments!NEXT STEPS: Wherever you are, we want to help you discover what's next.https://www.npaustin.com/whatsnextNot sure where to start? We're here to help! Email: connection@npaustin.comSTAY CONNECTED: Subscribe to stay up-to-date on all things Northpoint: https://www.youtube.com/@NorthpointAustinWebsite: https://npaustin.com/Facebook: https://www.facebook.com/experienceno...Instagram: https://www.instagram.com/northpoint_ch/ABOUT US:We believe that for too long, the church has been known for what it's against. We want to be known for what we're FOR – our community, healthy relationships, the next generation, and people discovering a God who loves them. Vision: To inspire people to follow Jesus.Mission: Make Jesus relevant for everyone in Greater Austin.Thank you for giving to support our vision and mission: https://www.npaustin.com/give#Jesus #NorthpointAustin #God #encouragement #churchonline #inspiration #ChurchDNA #JesusWelcomesAll #FaithJourney #NorthpointChurch #freedom #connection #community #Northpoint #church #heart #grace #Relationships #truth #faith #love
For too long the church has been known for what it's against. We want to be known for what we're For. 15 years ago, 24 adults and 32 kids set out to start a church that is For Austin. If we're going to be For Austin, we have to create space for the people of Greater Austin. What if we built a center point in our community to connect? A place that is home to Northpoint on Sunday, but that benefits our community every day? What if we could really be… For Austin - for people, for the next generation, and for our community?MUSIC:Trust In God - Elevation WorshipGod Is Not Against Me - Elevation WorshipDoxology - JK ArgWhether you're joining us in person or online and whether you are a long-time attender, new here, just visiting, or simply curious about faith - we want you to know you are welcome here and we are for you!Don't forget to like, subscribe, and share your thoughts in the comments!NEXT STEPS: Wherever you are, we want to help you discover what's next.https://www.npaustin.com/whatsnextNot sure where to start? We're here to help! Email: connection@npaustin.comSTAY CONNECTED: Subscribe to stay up-to-date on all things Northpoint: https://www.youtube.com/@NorthpointAustinWebsite: https://npaustin.com/Facebook: https://www.facebook.com/experienceno...Instagram: https://www.instagram.com/northpoint_ch/ABOUT US:We believe that for too long, the church has been known for what it's against. We want to be known for what we're FOR – our community, healthy relationships, the next generation, and people discovering a God who loves them. Vision: To inspire people to follow Jesus.Mission: Make Jesus relevant for everyone in Greater Austin.Thank you for giving to support our vision and mission: https://www.npaustin.com/give#Jesus #NorthpointAustin #God #encouragement #churchonline #inspiration #ChurchDNA #JesusWelcomesAll #FaithJourney #NorthpointChurch #freedom #connection #community #Northpoint #church #heart #grace #Relationships #truth #faith #love
Political divisiveness is nothing new. Even Jesus had to navigate tricky political situations. In this 2 part series, we are reminded that God is in charge. And if we are truly Jesus followers, we are called to do as he did - think before we speak or act, and to love others no matter what – even if we totally disagree with them. Jesus was able to disagree politically, culturally and theologically and still love unconditionally. And that is his hope for us - his followers. Can you imagine a world in which we did the same?MUSIC:Whether you're joining us in person or online and whether you are a long-time attender, new here, just visiting, or simply curious about faith - we want you to know you are welcome here and we are for you!Don't forget to like, subscribe, and share your thoughts in the comments!NEXT STEPS: Wherever you are, we want to help you discover what's next.https://www.npaustin.com/whatsnextNot sure where to start? We're here to help! Email: connection@npaustin.comSTAY CONNECTED: Subscribe to stay up-to-date on all things Northpoint: https://www.youtube.com/@NorthpointAustinWebsite: https://npaustin.com/Facebook: https://www.facebook.com/experienceno...Instagram: https://www.instagram.com/northpoint_ch/ABOUT US:We believe that for too long, the church has been known for what it's against. We want to be known for what we're FOR – our community, healthy relationships, the next generation, and people discovering a God who loves them. Vision: To inspire people to follow Jesus.Mission: Make Jesus relevant for everyone in Greater Austin.Thank you for giving to support our vision and mission: https://www.npaustin.com/give#Jesus #NorthpointAustin #God #encouragement #churchonline #inspiration #ChurchDNA #JesusWelcomesAll #FaithJourney #NorthpointChurch #freedom #connection #community #Northpoint #church #heart #grace #Relationships #truth #faith #love
Political divisiveness is nothing new. Even Jesus had to navigate tricky political situations. In this 2 part series, we are reminded that God is in charge. And if we are truly Jesus followers, we are called to do as he did - think before we speak or act, and to love others no matter what – even if we totally disagree with them. Jesus was able to disagree politically, culturally and theologically and still love unconditionally. And that is his hope for us - his followers. Can you imagine a world in which we did the same?MUSIC:Take You At Your Word - Cody CarnesDo It Again - Elevation WorshipBuild My Life - Shane & ShaneWhether you're joining us in person or online and whether you are a long-time attender, new here, just visiting, or simply curious about faith - we want you to know you are welcome here and we are for you!Don't forget to like, subscribe, and share your thoughts in the comments!NEXT STEPS: Wherever you are, we want to help you discover what's next.https://www.npaustin.com/whatsnextNot sure where to start? We're here to help! Email: connection@npaustin.comSTAY CONNECTED: Subscribe to stay up-to-date on all things Northpoint: https://www.youtube.com/@NorthpointAustinWebsite: https://npaustin.com/Facebook: https://www.facebook.com/experienceno...Instagram: https://www.instagram.com/northpoint_ch/ABOUT US:We believe that for too long, the church has been known for what it's against. We want to be known for what we're FOR – our community, healthy relationships, the next generation, and people discovering a God who loves them. Vision: To inspire people to follow Jesus.Mission: Make Jesus relevant for everyone in Greater Austin.Thank you for giving to support our vision and mission: https://www.npaustin.com/give#Jesus #NorthpointAustin #God #encouragement #churchonline #inspiration #ChurchDNA #JesusWelcomesAll #FaithJourney #NorthpointChurch #freedom #connection #community #Northpoint #church #heart #grace #Relationships #truth #faith #love
In this 5 part series “The Way of Jesus”, we talk about who Jesus is, what following Him looks like, and why life is better in relationship with Him. We will explore his declaration “I am the way, the truth, and the life” and what that actually means. And we will consider that maybe Jesus is not just a means to an end but is the answer to all we've been looking for and the only provider of genuine fulfillment. Whether you're joining us in person or online and whether you are a long-time attender, new here, just visiting, or simply curious about faith - we want you to know you are welcome here and we are for you!Don't forget to like, subscribe, and share your thoughts in the comments!NEXT STEPS: Wherever you are, we want to help you discover what's next.https://www.npaustin.com/whatsnextNot sure where to start? We're here to help! Email: connection@npaustin.comSTAY CONNECTED: Subscribe to stay up-to-date on all things Northpoint: https://www.youtube.com/@NorthpointAustinWebsite: https://npaustin.com/Facebook: https://www.facebook.com/experienceno...Instagram: https://www.instagram.com/northpoint_ch/ABOUT US:We believe that for too long, the church has been known for what it's against. We want to be known for what we're FOR – our community, healthy relationships, the next generation, and people discovering a God who loves them. Vision: To inspire people to follow Jesus.Mission: Make Jesus relevant for everyone in Greater Austin.Thank you for giving to support our vision and mission: https://www.npaustin.com/give#Jesus #NorthpointAustin #God #encouragement #churchonline #inspiration #ChurchDNA #JesusWelcomesAll #FaithJourney #NorthpointChurch #freedom #connection #community #Northpoint #church #heart #grace #love #Family #Relationships #truth #faith
John and Roman recap the Week 4 high school football action around the St. Louis metro area.Become a supporter of this podcast: https://www.spreaker.com/podcast/gateway-sports-venue-show--3605575/support.
Today, Jeremy sits down with ER Gammill to walk through his journey at North Point.
In this episode of the Fly Fishing Insider podcast, host Christian Bacasa interviews Peter Van Der Grift from North Point Brands. They discuss two main topics: the love and uniqueness of DIY fishing, and creating an outdoors kid through parenting or mentorship. Peter talks about the importance of DIY fishing and how it allows anglers to problem-solve and find fulfillment in their fishing experiences. He also emphasizes the authenticity and cross-pollination of the fly fishing industry, where everyone is passionate about the outdoors and engages in various outdoor activities. The conversation highlights the value of both guided trips and DIY fishing, and the importance of empowering employees and embracing new ideas in the industry. The conversation explores the themes of adventure, problem-solving, and the enjoyment of fishing. The speakers discuss the satisfaction of figuring out new fishing techniques and exploring new places. They highlight the importance of meeting anglers where they are and understanding their motivations. The conversation also touches on the self-competitiveness and self-validation that comes with fishing. The speakers share personal stories of their outdoor adventures, including hiking the Appalachian Trail and encountering a grizzly bear. They emphasize the value of enjoying what you do and the relationships formed through fishing. In this final part of the conversation, Peter Vandergrift and Christian Bacasa discuss the importance of research and preparation in DIY fishing trips. They emphasize the need to understand the tides, access points, and fish behavior in order to have a successful outing. They also highlight the value of having a team with different expertise and the benefits of participating in DIY fishing tournaments. Peter shares his tips for introducing kids to the outdoors and fly fishing, including creating a fish book and setting goals. Overall, the conversation emphasizes the joy and adventure of DIY fishing and the importance of fostering a love for the outdoors in the next generation. keywordsfly fishing, DIY fishing, outdoors, parenting, mentorship, authenticity, problem-solving, guided trips, cross-pollination, adventure, problem-solving, enjoyment, fishing techniques, exploring new places, meeting anglers, self-competitiveness, self-validation, outdoor adventures, relationships, DIY fishing, research, preparation, tides, access points, fish behavior, team, expertise, DIY fishing tournaments, kids, outdoors, fly fishing, fish book, goals takeaways DIY fishing allows anglers to problem-solve and find fulfillment in their fishing experiences. The fly fishing industry is characterized by authenticity and cross-pollination, with individuals engaging in various outdoor activities. Guided trips and DIY fishing both have value and offer unique experiences for anglers. Empowering employees and embracing new ideas are important in the industry. Creating an outdoors kid through parenting or mentorship is a rewarding experience that fosters a love for the outdoors. Fishing provides opportunities for adventure and problem-solving. Meeting anglers where they are and understanding their motivations is important. Self-competitiveness and self-validation are key aspects of fishing. Enjoying what you do is crucial for personal satisfaction. Outdoor adventures and fishing can lead to meaningful relationships. Research and preparation are key to successful DIY fishing trips Understanding tides, access points, and fish behavior is crucial Having a team with different expertise can enhance the fishing experience Participating in DIY fishing tournaments can be a fun and rewarding challenge Introducing kids to the outdoors and fly fishing can be done through creative activities and setting goals titles The Love and Uniqueness of DIY Fishing The Value of Guided Trips and DIY Fishing The Value of Enjoying What You Do in Fishing Building Meaningful Relationships Through Fishing The Thrill of DIY Fishing Tournaments Building a Team for DIY Fishing Success Sound Bites "DIY angling is a rewarding thing and the best moments are in the story." "Pets in the outdoors go together, and pets and fishing can go together if done properly." "Empowering people to be decision-makers and problem solvers is important in the workplace." "I love figuring out new." "It's the fisherman's placebo effect." "There's some mysticism in it." "Understanding like an element from this small, like a bug or a rock or like what kind of gravel or strata to the Google Earth view of like how does this tidal flat work?" "You can listen to podcasts. Some of those things are like, you get so much information and you feel like this expert, like you're really qualified. And then you talk to a local or you talk to someone who really knows their area and your mind just gets blown off like, oh my gosh, I got 30 more things I got to look into." "The Cheeky Schooley Tournament, right? This is now the largest fly fishing tournament in the world." Chapters 00:00Introduction and Overview 01:13The Love and Uniqueness of DIY Fishing 02:11Creating an Outdoors Kid through Parenting or Mentorship 03:44Cheeky Fishing's Core Beliefs and Product Offerings 04:11Introduction to Wingo and its Focus on Dog and Outdoor Intersection 05:30Introduction to Rep Your Water and Rep Your Wild 06:32The Connection Between Pets, Outdoors, and Fishing 07:19The Importance of Dogs in the Outdoors Community 08:00The Expansion of North Point Brands with Rep Your Water and Rep Your Wild 08:57The Authenticity and Conservation Ethos of North Point Brands 09:49The Marriage of North Point Brands and Rep Your Water 10:22The Importance of Authenticity and Representation in Fly Fishing 11:20The Cross-Pollination of Outdoor Activities and Lifestyle 12:56The Common Language and Connection of Fishing 13:44The Problem-Solving Nature of Fishing and Work 14:48Empowering Employees to Be Decision Makers 15:46The Comparison Between Fishing and Work Accomplishments 16:20The Joy and Fulfillment of DIY Angling 19:48Peter Vandergrift's Background in Fishing and Outfitting 21:12The Mission of North Point Brands 23:11The Self-Gratification and Problem-Solving Nature of Fishing 24:15The DIY Angler as the Core of North Point Brands 26:56The Authenticity and Cross-Pollination in the Fly Fishing Industry 28:04The Love for People in Guiding and Problem Solving 28:06The Love for Figuring Out New Things 29:31The Thrill of DIY Angling 30:25Adventure Travel DIY 31:29The Spirit of Adventure 32:50The Reluctant Marketer 33:49The Power of Problem Solving 35:12Facing Challenges and Overcoming Fear 36:00The Importance of Setting Personal Goals 37:00The Joy of Self-Validation 38:18The Fisherman's Placebo Effect 39:31The Impact of Nature and Problem Solving 42:51The Mysticism of Fly Fishing 44:05The Infinite Problems to Solve 45:27Enjoying the Process and Managing Expectations 46:43The Relationships Formed Through Fishing 49:06Finding Joy in Work and DIY Expeditions 50:20Researching Fishing Locations 50:47Understanding Tidal Flows 51:56Collaborating with Fishing Buddies 52:58The Cheeky Schooley Tournament 54:17Utilizing Resources for DIY Fishing 54:46Creating an Outdoor Kid 01:10:37FFF Voice Over Intro and Outro.mp4
In this 5 part series “The Way of Jesus”, we talk about who Jesus is, what following Him looks like, and why life is better in relationship with Him. We will explore his declaration “I am the way, the truth, and the life” and what that actually means. And we will consider that maybe Jesus is not just a means to an end but is the answer to all we've been looking for and the only provider of genuine fulfillment. MUSIC:Evidence - Josh BaldwinGraves Into Gardens - Elevation WorshipReckless Love - Cory AsburyWhether you're joining us in person or online and whether you are a long-time attender, new here, just visiting, or simply curious about faith - we want you to know you are welcome here and we are for you!Don't forget to like, subscribe, and share your thoughts in the comments!NEXT STEPS: Wherever you are, we want to help you discover what's next.https://www.npaustin.com/whatsnextNot sure where to start? We're here to help! Email: connection@npaustin.comSTAY CONNECTED: Subscribe to stay up-to-date on all things Northpoint: https://www.youtube.com/@NorthpointAustinWebsite: https://npaustin.com/Facebook: https://www.facebook.com/experienceno...Instagram: https://www.instagram.com/northpoint_ch/ABOUT US:We believe that for too long, the church has been known for what it's against. We want to be known for what we're FOR – our community, healthy relationships, the next generation, and people discovering a God who loves them. Vision: To inspire people to follow Jesus.Mission: Make Jesus relevant for everyone in Greater Austin.Thank you for giving to support our vision and mission: https://www.npaustin.com/give#Jesus #NorthpointAustin #God #encouragement #churchonline #inspiration #ChurchDNA #JesusWelcomesAll #FaithJourney #NorthpointChurch #freedom #connection #community #Northpoint #church #heart #grace #love #Family #Relationships #truth #faith
In this 5 part series “The Way of Jesus”, we talk about who Jesus is, what following Him looks like, and why life is better in relationship with Him. We will explore his declaration “I am the way, the truth, and the life” and what that actually means. And we will consider that maybe Jesus is not just a means to an end but is the answer to all we've been looking for and the only provider of genuine fulfillment. MUSIC:Firm Foundation - Maverick City MusicGoodness of God - Israel and New BreedGratitude - North Point WorshipWhether you're joining us in person or online and whether you are a long-time attender, new here, just visiting, or simply curious about faith - we want you to know you are welcome here and we are for you!Don't forget to like, subscribe, and share your thoughts in the comments!NEXT STEPS: Wherever you are, we want to help you discover what's next.https://www.npaustin.com/whatsnextNot sure where to start? We're here to help! Email: connection@npaustin.comSTAY CONNECTED: Subscribe to stay up-to-date on all things Northpoint: https://www.youtube.com/@NorthpointAustinWebsite: https://npaustin.com/Facebook: https://www.facebook.com/experienceno...Instagram: https://www.instagram.com/northpoint_ch/ABOUT US:We believe that for too long, the church has been known for what it's against. We want to be known for what we're FOR – our community, healthy relationships, the next generation, and people discovering a God who loves them. Vision: To inspire people to follow Jesus.Mission: Make Jesus relevant for everyone in Greater Austin.Thank you for giving to support our vision and mission: https://www.npaustin.com/give#Jesus #NorthpointAustin #God #encouragement #churchonline #inspiration #ChurchDNA #JesusWelcomesAll #FaithJourney #NorthpointChurch #freedom #connection #community #Northpoint #church #heart #grace #love #Family #Relationships #truth #faith
In this 5 part series “The Way of Jesus”, we talk about who Jesus is, what following Him looks like, and why life is better in relationship with Him. We will explore his declaration “I am the way, the truth, and the life” and what that actually means. And we will consider that maybe Jesus is not just a means to an end but is the answer to all we've been looking for and the only provider of genuine fulfillment. MUSIC:Abundantly More - North Point WorshipRun To The Father - Cody CarnesBuild My Life - Shane & ShaneWhether you're joining us in person or online and whether you are a long-time attender, new here, just visiting, or simply curious about faith - we want you to know you are welcome here and we are for you!Don't forget to like, subscribe, and share your thoughts in the comments!NEXT STEPS: Wherever you are, we want to help you discover what's next.https://www.npaustin.com/whatsnextNot sure where to start? We're here to help! Email: connection@npaustin.comSTAY CONNECTED: Subscribe to stay up-to-date on all things Northpoint: https://www.youtube.com/@NorthpointAustinWebsite: https://npaustin.com/Facebook: https://www.facebook.com/experienceno...Instagram: https://www.instagram.com/northpoint_ch/ABOUT US:We believe that for too long, the church has been known for what it's against. We want to be known for what we're FOR – our community, healthy relationships, the next generation, and people discovering a God who loves them. Vision: To inspire people to follow Jesus.Mission: Make Jesus relevant for everyone in Greater Austin.Thank you for giving to support our vision and mission: https://www.npaustin.com/give#Jesus #NorthpointAustin #God #encouragement #churchonline #inspiration #ChurchDNA #JesusWelcomesAll #FaithJourney #NorthpointChurch #freedom #connection #community #Northpoint #church #heart #grace #love #Family #Relationships #truth #faith
People get comfortable with the way things are, and they don't excel to the next level. A ship moving at sea won't develop barnacles, but a ship that's stagnant at dock will. Has your life become stagnant with mental barnacles? If so, this is the show you've been waiting for. Our guest today is Jeff Henderson, his best-selling book, What to Do Next offers tips on how to take your best step forward during times of uncertainty.Sit back and get comfortable as you learn how to get out of your comfort level and embrace the adventures that life has in store for you.Jeff was named by Forbes Magazine as one of 20 speakers. In addition, he's worked for well-known organizations such as the Atlanta Braves, Callaway Gardens, Chic-Fil-A, and Point Ministries, one of the largest churches in America. While there, he was the lead pastor for three churches over 17 years and helped launch North Point online, which became one of the world's largest online ministries. His book is called What to Do Next, taking Your Best Step When Life Is Uncertain.
In this 5 part series “The Way of Jesus”, we talk about who Jesus is, what following Him looks like, and why life is better in relationship with Him. We will explore his declaration “I am the way, the truth, and the life” and what that actually means. And we will consider that maybe Jesus is not just a means to an end but is the answer to what we've been looking for and the only provider of genuine fulfillment. MUSIC:Firm Foundation - Cody CarnesYou Say - Lauren DaigleNo Other King - North Point WorshipWhat a Beautiful Name - Hillsong WorshipWhether you're joining us in person or online and whether you are a long-time attender, new here, just visiting, or simply curious about faith - we want you to know you are welcome here and we are for you!Don't forget to like, subscribe, and share your thoughts in the comments!NEXT STEPS: Wherever you are, we want to help you discover what's next.https://www.npaustin.com/whatsnextNot sure where to start? We're here to help! Email: connection@npaustin.comSTAY CONNECTED: Subscribe to stay up-to-date on all things Northpoint: https://www.youtube.com/@NorthpointAustinWebsite: https://npaustin.com/Facebook: https://www.facebook.com/experienceno...Instagram: https://www.instagram.com/northpoint_ch/ABOUT US:We believe that for too long, the church has been known for what it's against. We want to be known for what we're FOR – our community, healthy relationships, the next generation, and people discovering a God who loves them. Vision: To inspire people to follow Jesus.Mission: Make Jesus relevant for everyone in Greater Austin.Thank you for giving to support our vision and mission: https://www.npaustin.com/give#Jesus #NorthpointAustin #God #encouragement #churchonline #inspiration #faith #ChurchDNA #JesusWelcomesAll #FaithJourney #NorthpointChurch #freedom #connection #community #Northpoint #church #heart #grace #love #Family #Relationships #truth
God designed us to live in relationship with one another. Then why is it so hard to make and maintain friendships as adults? In this message, we learn there are practical steps to help prioritize community and pursue meaningful relationships. What if it was as easy as “showing up” and “being real”? Whether you're joining us in person or online and whether you are a long-time attender, new here, just visiting, or simply curious about faith - we want you to know you are welcome here and we are for you!Don't forget to like, subscribe, and share your thoughts in the comments!NEXT STEPS: Wherever you are, we want to help you discover what's next.https://www.npaustin.com/whatsnextNot sure where to start? We're here to help! Email: connection@npaustin.comSTAY CONNECTED: Subscribe to stay up-to-date on all things Northpoint: https://www.youtube.com/@NorthpointAustinWebsite: https://npaustin.com/Facebook: https://www.facebook.com/experienceno...Instagram: https://www.instagram.com/northpoint_ch/ABOUT US:We believe that for too long, the church has been known for what it's against. We want to be known for what we're FOR – our community, healthy relationships, the next generation, and people discovering a God who loves them. Vision: To inspire people to follow Jesus.Mission: Make Jesus relevant for everyone in Greater Austin.Thank you for giving to support our vision and mission: https://www.npaustin.com/give#Jesus #NorthpointAustin #God #encouragement #churchonline #inspiration #faith #ChurchDNA #JesusWelcomesAll #FaithJourney #NorthpointChurch #freedom #connection #Northpoint #church #heart #grace #love #Family #Relationships #community
Matt Bonds just wrapped up a legendary three year run with the Nagasaki Velca that saw them go from a team in Japan's third division, to a team firmly in the mix in the top league in Japan in only two years. A feat that included an MVP season, and back to back promotions along the way! Bonds unpacks what those three years in Nagasaki meant to his career, and how it has prepared him for his new beginning with the Osaka Evessa in Japan's B1. Matt also shares what he's most looking forward to about playing in Osaka, the second largest city in Japan, and unofficial food capital of the country! We get into what has contributed to Matt's success as an undersized big, standing at roughly 6'5, Bonds has always played much bigger than he is, and the same tenacity that allowed him to grab over 1100 rebounds over his four year career in college, is the same tenacity that has allowed him to carve out an 8 year professional career that has spanned over three different countries overseas. For all of our #DMVHoops fans, Matt takes us back to that legendary state championship run at North Point high school alongside Marquise Wright, that included a 27-0 season and upset victory in the state title game over American high school LEGEND Aquille "The Crimestopper" Carr! This is an episode that will leave you feeling inspired, motivated, and ready to attach whatever obstacle comes your way! Make sure to like, comment and subscribe to our channel for more conversations just like this one!
In this series on family, we wrestle with the contrast between our idealized notions of family and the complex realities of family. We are encouraged to be authentic about our struggles and victories AND find grace in the tension between the two. MUSIC:House of the Lord - Phil WickhamFor All My Life - TAYAGoodness of God - Bethel MusicWhether you're joining us in person or online and whether you are a long-time attender, new here, just visiting, or simply curious about faith - we want you to know you are welcome here and we are for you!Don't forget to like, subscribe, and share your thoughts in the comments!NEXT STEPS: Wherever you are, we want to help you discover what's next.https://www.npaustin.com/whatsnextNot sure where to start? We're here to help! Email: connection@npaustin.comSTAY CONNECTED: Subscribe to stay up-to-date on all things Northpoint: https://www.youtube.com/@NorthpointAustinWebsite: https://npaustin.com/Facebook: https://www.facebook.com/experienceno...Instagram: https://www.instagram.com/northpoint_ch/ABOUT US:We believe that for too long, the church has been known for what it's against. We want to be known for what we're FOR – our community, healthy relationships, the next generation, and people discovering a God who loves them. Vision: To inspire people to follow Jesus.Mission: Make Jesus relevant for everyone in Greater Austin.Thank you for giving to support our vision and mission: https://www.npaustin.com/give#Jesus #NorthpointAustin #God #encouragement #churchonline #inspiration #faith #ChurchDNA #JesusWelcomesAll #FaithJourney #NorthpointChurch #freedom #connection #community #Northpoint #church #heart #grace #love #Family #Relationships
The 2024 Olympics wrapped up last week, but those who follow Jesus are still running a race - the race God has set before us. This Sunday, we'll learn the best way to do that and why we need to look to the true trailblazer, Jesus, along the way. Then find out what happens when our NorthPoint community is genuinely looking to Jesus together.
Today, we get to riff with Meredith Miller! Justin and his wife, Jami, sit down with Meredith to continue the conversation from the Masterclass she taught at North Point. Show Notes: Woven - https://www.amazon.com/Woven-Nurturing-Faith-Your-Doesnt/dp/1546004351 Ask Away Podcast - https://meredithannemiller.com/ Sacred Pathways - https://www.amazon.com/Sacred-Pathways-Discover-Your-Souls/dp/0310329884
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