Podcasts about not required

Rob Wipond, author of Your Consent is Not Required, visited Nanaimo for an author talk on his book, which takes a critical look at involuntary psychiatric treatment. Wipond says that in the late 90s, after voluntarily seeking treatment, his father was committed for a period of several months, which included experiences of forced electrocunvulsive therapy. “ This […]

SHOW NOTES: - Head to our Start Page for all you need to begin! - Join the RECAPtains - Check out the TBR Store - Show credits FROM TODAY'S RECAP: - Video: Ezra and Nehemiah Overview - Exodus 35:20-29 - Article: 7 Reasons Christians are Not Required to Tithe - Article: The Bible Commands Christians to Tithe - Sign up for PREcap Emails (at the bottom of the homepage!) BIBLE READING & LISTENING: Follow along on the Bible App, or to listen to the Bible, try Dwell! SOCIALS: The Bible Recap: Instagram | Facebook | Twitter/X | TikTok D-Group: Instagram | Facebook | Twitter/X TLC: Instagram | Facebook D-GROUP: D-Group is brought to you by the same team that brings you The Bible Recap. TBR is where we read the Bible, and D-Group is where we study the Bible. D-Group is an international network of Bible study groups that meet weekly in homes, churches, and online. Find or start one near you today! DISCLAIMER: The Bible Recap, Tara-Leigh Cobble, and affiliates are not a church, pastor, spiritual authority, or counseling service. Listeners and viewers consume this content on a voluntary basis and assume all responsibility for the resulting consequences and impact.

Jeff and 'Your Consent is Not Required' author Rob Wipond discuss the realities of psychiatric malfeasance: needless detentions, forced treatments, abusive guardianships. egoic and money-driven quests for power and control. Rob shares his experiences and his data in a way that helps us to understand just how dangerous the system currently is, particularly if you encounter it during an emergency situation. Links and Resources: Rob Wipond's brilliant book, "Your Consent is Not Required"... https://www.amazon.com/Your-Consent-Not-Required-Guardianships/dp/1637741480/Jeff Brown's Healing Books and Courses... https://jeffbrown.co/courses/Trevor Hall's song 'Arrows'... https://open.spotify.com/track/3PQIdQjXZQlRT2hoURf9Zs

SHOW NOTES:  - All the info you need to START is on our website! Seriously, go there.  - Join our PATREON community for bonus perks! - Get your TBR merch - Show credits - To enter to win a trip to the Museum of the Bible, click here!   FROM TODAY'S PODCAST:  - Video: Ezra and Nehemiah Overview - Exodus 35:20-29 - Article: 7 Reasons Christians are Not Required to Tithe - Article: The Bible Commands Christians to Tithe - Support The Bible Recap   SOCIALS: The Bible Recap: Instagram | Facebook | Twitter D-Group: Instagram | Facebook | Twitter TLC: Instagram | Facebook | Twitter   D-GROUP: The Bible Recap is brought to you by D-Group - an international network of discipleship and accountability groups that meet weekly in homes and churches: Find or start one near you today!   DISCLAIMER:  The Bible Recap, Tara-Leigh Cobble, and affiliates are not a church, pastor, spiritual authority, or counseling service. Listeners and viewers consume this content on a voluntary basis and assume all responsibility for the resulting consequences and impact.

SHOW NOTES:  - Head to our Start Page for all you need to begin! - Join the RECAPtains - Check out the TBR Store - Show credits - To enter to win a trip to the Museum of the Bible, click here!     FROM TODAY'S PODCAST:  - Video: Ezra and Nehemiah Overview - Exodus 35:20-29 - Article: 7 Reasons Christians are Not Required to Tithe - Article: The Bible Commands Christians to Tithe - Support The Bible Recap   SOCIALS: The Bible Recap: Instagram | Facebook | Twitter D-Group: Instagram | Facebook | Twitter TLC: Instagram | Facebook | Twitter   D-GROUP: The Bible Recap is brought to you by D-Group - an international network of discipleship and accountability groups that meet weekly in homes and churches: Find or start one near you today!   DISCLAIMER:  The Bible Recap, Tara-Leigh Cobble, and affiliates are not a church, pastor, spiritual authority, or counseling service. Listeners and viewers consume this content on a voluntary basis and assume all responsibility for the resulting consequences and impact.

Guest: Rob Wipond, independent investigative journalist, author of “Your Consent is Not Required”

SHOW NOTES:  - All the info you need to START is on our website! - Join our PATREON family for bonus perks! - Get your TBR merch - Show credits   FROM TODAY'S PODCAST:  - Exodus 35:20-29 - Article: 7 Reasons Christians are Not Required to Tithe - Article: The Bible Commands Christians to Tithe - Support the Bible Recap   SOCIALS: The Bible Recap: Instagram | Facebook | Twitter D-Group: Instagram | Facebook | Twitter TLC: Instagram | Facebook | Twitter   D-GROUP: The Bible Recap is brought to you by D-Group - an international network of discipleship and accountability groups that meet weekly in homes and churches: Find or start one near you today!

SHOW NOTES:  - All the info you need to START is on our website! - Join our PATREON family for bonus perks! - Get your TBR merch - Show credits   FROM TODAY'S PODCAST:  - Exodus 35:20-29 - Article: 7 Reasons Christians are Not Required to Tithe - Article: The Bible Commands Christians to Tithe - Support the Bible Recap   SOCIALS: The Bible Recap: Instagram | Facebook | Twitter D-Group: Instagram | Facebook | Twitter TLC: Instagram | Facebook | Twitter   D-GROUP: The Bible Recap is brought to you by D-Group - an international network of discipleship and accountability groups that meet weekly in homes and churches: Find or start one near you today!

Being a good consumer of research is a crucial aspect of our professional responsibility.  Today, Paul Gagliano is joined by Keisuke Kanno and Dan Miriovsky to continue the series, More Research is Needed.  The three discuss the question whether or not research can be wrong.  They discuss two different articles during this episode, "Formal Physical Therapy after Total Hip Arthroplasty is Not Required" and "Outcomes of Total Hip Arthroplasty: A Study of Patients One Year Postsurgery."

SHOW NOTES:  - All the info you need to START is on our website! - Join our PATREON family for bonus perks! - Get your TBR merch - Show credits   FROM TODAY'S PODCAST:  - Exodus 35:20-29 - Article: 7 Reasons Christians are Not Required to Tithe - Article: The Bible Commands Christians to Tithe - Support the Bible Recap   SOCIALS: The Bible Recap: Instagram | Facebook | Twitter D-Group: Instagram | Facebook | Twitter TLC: Instagram | Facebook | Twitter   D-GROUP: The Bible Recap is brought to you by D-Group - an international network of discipleship and accountability groups that meet weekly in homes and churches: Find or start one near you today!

It can be so easy to get caught up in our thoughts & think those need to rule us, when it's the opposite. We need to not let our thoughts hold us captive, but give us the opportunity to see things in different lights & make the best decision for us.Show Notes:There have been so many times where I get so caught up with what I am thinking & convincing myself that those thoughts I am having are real facts. Things that actually will control me & dictate what I have to do & not do. But this isn't true. We are in complete control of whether we act on our thoughts or not, whether we let these things rule our lives or if we just have those things as considerations in our mind among the many thoughts we have to mull over.I get caught up in my thoughts all the time because I'm a perfectionist & a people pleaser, so I don't want to make the wrong decision, say the wrong thing or look stupid in front of someone because I didn't know what the right thing to say was. And having to wade through all these thoughts in my mind can really cause me to spiral if I'm not careful. And I know I'm not the only one that struggles with this.And you what else can make dealing with your thoughts really tough? All the external influences we receive from the world. It can come from friends, family members, social media, work or wherever else & get us to be even more confused & caught up in our head.Today I want to remind you of 5 important truths about your thoughts that can really help you not get caught up & held prisoner by these:Thoughts Are Temporary.Thoughts Aren't Facts.You're Not Required to Believe Everything You ThinkYou Don't Have to Accept Negative Thoughts.You're More Than Your Thoughts.Keep these things in mind next time you struggle with your thoughts.Thank you again for listening & I hope this episode was helpful.Come visit me on my Instagram page @sabrinajoyperozzo to say hi or on Clubhouse @sabrinajperozzo to chat!Visit www.sabrinajoy.com for more content & blog posts!Have any questions, comments or feedback?  Send me an email at realpositivegirlpodcast@gmail.com!Support the show (https://www.buymeacoffee.com/sabrinajoy)

by John Cortright For more information visit lhim.org Last week, we looked at the myth of “Once Saved, Always Saved” or that “Salvation is Permanent”. Continuing on in this same thought, this week we'll look at the myth that “Obedience is NOT Required for Salvation” -- the idea that once you make a one time commitment of making Jesus your Lord, faith and obedience are no longer required. You're in, no matter what you do from this point forward. 1 – How did we get here, and why does it matter? 2 – Is obedience required? 3 – What are we to do now? 1. How did we get here, and why does it matter? Before the time of the Reformation, the Roman Catholic Church was the central authority for Christian doctrine. Luther attacked this system. His primary concern was for ethical and theological reform of the church: Scripture alone is authoritative (sola scriptura), and justification is by faith (sola fide), not by works. Other reformers of that century included Huldrych Zwingli, John Calvin, and John Knox in Scotland. All of the reformers became known as Protestants and vary in the understanding of salvation by grace. In some of the subsequent Confessions of Faith, the idea of “Eternal Security”, or “Once Saved Always Saved” is expressed by the term “Perseverance of the Saints”. This idea has continued in different forms through the centuries by various sects of Protestantism even until today. 2. Is obedience required? From last week's teaching … “not a sinless life, but a life of obedience to the best of your ability” • Mt 7:21 - but he who “does” the will of my Father • Mt 7:23 - you who “practice” lawlessness • Mt 7:24 - he who hears these words of mine and “acts on them” • Mt 16:17 - if you wish to enter into life, “keep the commandments” • Mt 25:40 - you “did it” to one of the least of these brothers…you “did it” to me. • Ro 2:6 - render to each person according to “his deeds” Yes, obedience is required. John 3:36; Acts 5:32; Hebrews 5:9; 1 Peter 1:2. Once you confess Jesus as your Lord (Rom 10:9), you are to continue in obedience (Mt 7:21-23; Lu 6:46; Jo 8:31-32; Jo 15:1-10 – abide in the vine). 3. What are we to do now? • Repent. If you are not being obedient, repent, and you will overcome. (Revelation 2:3-5; 25-27; 3:1-5, 8, 10-11, 15-19). • Warn others. Do not be deceived. (1 Co 6:9-11; 15:33-34; Ga 6:7-8; 2 Ti 3:13; 2 Pe 2:12-22) • You don't have to do it alone. Christ is with us! (2 Pe 2:9; 1 Co 10:12-13; Mt 28:20; Mt 11:28-30) • God is rich in mercy. Confess your sin. He is faithful and just to forgive. (Ps 103:11-12; Eph 4:4; Heb 2:17-18; 4:14-16; 1 Jo 1:6-9).

by John Cortright For more information visit lhim.org Last week, we looked at the myth of “Once Saved, Always Saved” or that “Salvation is Permanent”. Continuing on in this same thought, this week we’ll look at the myth that “Obedience is NOT Required for Salvation” -- the idea that once you make a one time commitment of making Jesus your Continue Reading

Meet Christi Pratte who desires to empower women in all areas of hustle and life. She is the Founder of HustlePretty.Co, an online magazine for resilient women who are putting the pretty back in the grind through their passions, determination, and work ethic. Her magazine displays articles of inspiration and features women out there showing us how it's done.   In addition, she offers ghostwriting services designed for fempreneurs looking to share their powerful stories with the world and truly get their voices heard and honored. Having spent the past few years writing for a handful of women's empowerment platforms including Women On Topp, So She Slays, Hope for Women Magazine, and GirlMuch.com, Christi absolutely loves being able to watch women build the most beautiful mosaics from their broken pieces, empower themselves to rise after falling, and lead the way for the next woman. To her, that is the greatest form of self-love! Christi Pratte: Savvy Writer & Creator of HustlePretty.Co, a Platform & an Online Magazine for Resilient Women, Hustling Towards Their Dreams with Passion, Determination & Work Ethic. 0:50 - Meet Christi & Learn her Story 3:07 - Writing Content & Getting Noticed 4:38 - Suggestions For Those Who Are Just Starting Out 6:20 - Status Symbols are Not Required to Do What You Love 8:50 - Promoting Content & How to Stand Out  12:45 - Navigating Through These Pandemic Times 13:47 - Hustle is All About Your Mindset & Approach 17:35 - Being a Copywriter & Ghost Writer (What & How) 23:28 - Advice for Companies Looking for a Copywriter   25:29 - The Time Required to Write a Blog or Content Piece 27:40 - Working with Publications & Brands   30:15 - How to Stand Out in a Crowded Space 33:47 - Tips on Dealing with a "No" 36:55 - How to Ensure Growth in Your Craft 39:24 - Dealing with Your Worst Days & Finding Inspiration 43:45 - Book Recommendations   45:12 - Plans for 2021 47:03 - A Millennial Is? 47:07 - A Millennial Should Be? 47:10 - A Millennial is Not? 47:15 - Connecting with Christi Connecting with Christi: Facebook: HustlePretty.Co Instagram: @christipratte ; @hustlepretty.co Website: https://www.hustlepretty.co

Donald Trump Bitches about his Arrogant refusal of NOT leaving the white house. Voting is OPTIONAL and Not Required by law! Be educated in future endeavors, so you're ready for jobs with a Purpose. --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app --- Send in a voice message: https://anchor.fm/rosysays/message Support this podcast: https://anchor.fm/rosysays/support

SHOW NOTES:  - All the info you need to START is on our website! - Join our PATREON family for bonus perks! - Get your TBR merch - Show credits   FROM TODAY’S PODCAST:  - Exodus 35:20-29 - Article: 7 Reasons Christians are Not Required to Tithe - Article: The Bible Commands Christians to Tithe - Follow TBR on Instagram! - Follow TBR on Facebook! - Follow TBR on Twitter!   SOCIALS: The Bible Recap: Instagram | Facebook | Twitter D-Group: Instagram | Facebook | Twitter TLC: Instagram | Facebook | Twitter   D-GROUP:The Bible Recap is brought to you by D-Group - an international network of discipleship and accountability groups that meet weekly in homes and churches: Find or start one near you today!

Caterina Rando, author, speaker, coach, and the host of Expand Your Fempire Podcast, teaches women how to sell more by public speaking. Caterina is on a mission to support women to thrive in businesses. Her passion for helping women discover that they have massive value to bring to the market is evident in her message, … The post Perfection is Not Required with Caterina Rando | Episode 49 appeared first on Kandas Rodarte.

  You’re invited to Ritter Insurance Marketing’s Virtual Summits! We’re kicking off AEP 2021 with nine Summits for insurance agents! These Summits are interactive, tailored to your local markets, and you’ll be able to chat with our staff and the carriers we work with! During these online presentations, our carriers will reveal exclusive first looks for Medicare Advantage and Medicare Part D products, too. You don’t want to miss this AEP insurance training… Register today!   Register to Attend Ritter’s Virtual Summits   More episodes you’ll like:   2021 Medicare Advantage and Part D Certification Info Looking for 2021 Medicare Advantage and Medicare Part D agent certification and product training details? Find out how to get carrier AHIP, Medicare Advantage certification, Part D certification, and product training details in one convenient place! AHIP Test Tips & Tricks for Medicare Certification Learn the rules for taking the AHIP test, information on discounts and reimbursement, how to prepare yourself, test-taking tips, legit tech hacks, and more! Before you begin your first attempt at AHIP certification, be sure to listen to this ASG Podcast episode! FAQs About NAHU Medicare Certification Got questions about NAHU’s Medicare Advantage and Part D certification training? We’ve got answers! In this episode, we talk about the cost of NAHU certification, CE credits, training module topics, and more – you don’t want to miss it!!!  Ready to Join an FMO? 10 Things to Consider Thinking about partnering with an FMO? Wondering how you can tell the good from the bad? Our top 10 list outlines what you need to know before you partner with a field marketing organization. The Survivor's AEP Checklist Prepare for AEP with the Agent Survival Guide! The Annual Enrollment Period will be here before we know it! Use our checklist to plan ahead, and you'll be "ready-to-sell" with plenty of time to spare.   The latest from Ritter’s Blog:   2021 Maximum Broker Commissions for Medicare Advantage & Medicare Part D Ritter has everything you need to know about 2021 maximum broker commissions for Medicare Advantage and Medicare Part D initial enrollments. Note: Insurance providers are NOT REQUIRED to pay the maximum commission rate. Ritter and Carrier Operations During the COVID-19 Pandemic The COVID-19 virus has effectively changed the way the United States operates for the foreseeable future. A compilation of information from the carriers Ritter supports regarding their capacity to continue operations during the COVID-19 pandemic. Here Are the Medicare Out-of-Pocket Expenses That Cost Beneficiaries Most Do you know what your Medicare clients likely spend the most money on out of pocket? Do your clients know what out-of-pocket costs they can expect with Medicare? The stats are in!   Subscribe & Follow:   Apple Podcasts Google Podcasts Overcast Podbean Spotify Stitcher   Connect on social:   Facebook Twitter YouTube LinkedIn  

  How much do your Medicare clients spend on their Medicare coverage in a year? Do your clients know what out-of-pocket expenses they can expect with Medicare? In this episode, we explore the costs your clients pay out-of-pocket for Medicare, whether they've got Original Medicare, a Medicare Supplement, a stand-alone Medicare Part D plan, Medicare Advantage, or MAPD. We look beyond premiums, breaking down out-of-pocket exposure into deductibles, coinsurance, copays, prescription drug costs, medical supplies, ancillary expenses, networks, and other deciding factors. It's a must-listen for every insurance agent!   Read the text version.   Mentioned in this episode:   How Much Do Medicare Beneficiaries Spend Out of Pocket on Health Care? 2020 Medicare Part A and Part B Premiums and Deductibles 7 Powerful Practices for Selling Prescription Drug Plans Are You Offering Multiple LTC Insurance Options? Defining the True Value of $0 Premium for Medicare Advantage Plans Durable medical equipment (DME) coverage Getting Started Selling Medicare Supplements How to Save Your Clients Money on Prescription Drugs Is Your Doctor in Your Medicare Plan’s Network? How to Tell Sense Success with Dental, Vision, and Hearing Plans Your Formulary: Knowing What’s Covered   More episodes you’ll like:     July 17, 2020 FAQs About NAHU Medicare Certification Got questions about NAHU’s Medicare Advantage and Part D certification training? We’ve got answers! In this episode, we talk about the cost of NAHU certification, CE credits, training module topics, and more – you don’t want to miss it!!!   NEW: NAHU 2021 Medicare Certification Training NAHU just launched a brand-new Medicare certification training for agents selling Medicare Advantage and Medicare Part D for the 2021 Annual Enrollment Period. Find out the details on this alternative to AHIP Medicare certification, including pros and cons, NAHU vs. AHIP, and more!   The latest from Ritter’s Blog:   How to Check for Your First Looks The moment when carrier First Looks become available is a very exciting time for insurance agents! It can put a spring in your step and help you get in the mood for the upcoming Annual Enrollment Period! 2021 Maximum Broker Commissions for Medicare Advantage & Medicare Part D Ritter has everything you need to know about 2021 maximum broker commissions for Medicare Advantage and Medicare Part D initial enrollments. Note: Insurance providers are NOT REQUIRED to pay the maximum commission rate. Reassuring Clients During Difficult Times During times of uncertainty, like the COVID-19 pandemic, it is likely that your clients will look to you for reassurance, and answers. Are you prepared to provide the support they are seeking?   Subscribe & Follow:   Apple Podcasts Google Podcasts Overcast Podbean Spotify Stitcher   Connect on social:   Facebook Twitter YouTube LinkedIn  

  The Friday Five for July 17, 2020: Aetna and Give an Hour partnership Oak Street Health News Possibility for Medicare Expansion in Next Covid-19 Stimulus? Zoom Announces New Product Register for Ritter’s Summits!   Ritter Summits 2020:   8/24: New Jersey Summit 8/25: NYC Summit 8/26: Philadelphia Summit 8/27: Harrisburg Summit 9/1: Georgia Summit 9/2: Greater NY Summit 9/3: Maryland Summit 9/9: California Summit 9/10: Florida Summit Register to Attend!   Mentioned in this episode:   Aetna, Give an Hour team up to offer free counseling to frontline health workers Google is adding 117 new emoji in Android 11 coming this fall – see them all Hospital Heroes Program Oak Street Health Continues Nationwide Expansion, Announces New York and Mississippi by End of 2020 Oak Street Health files for IPO Register to Attend Ritter's Virtual Summits The 17 Hidden Emoji Secrets You Never Noticed These Medicare changes may be included in the next coronavirus package Zoom introduces all-in-one home communications appliance for $599   More episodes you’ll like:   July 10, 2020 | The Friday Five The Friday Five for July 10, 2020: CMS Proposed Rule on End-Stage Renal Disease (ESRD) Prospective Payment System (PPS); AHIP's State of Medigap 2020; Capital Rx teaming up with Walmart; Walmart debuts Walmart Insurance Services, LLC; and Walgreens and VillageMD announce partnership. NEW: NAHU 2021 Medicare Certification Training NAHU just launched a brand-new Medicare certification training for agents selling Medicare Advantage and Medicare Part D for the 2021 Annual Enrollment Period. Find out the details on this alternative to AHIP Medicare certification, including pros and cons, NAHU vs. AHIP, and more! FAQs About NAHU Medicare Certification Got questions about NAHU’s Medicare Advantage and Part D certification training? We’ve got answers! In this episode, we talk about the cost of NAHU certification, CE credits, training module topics, and more – you don’t want to miss it!!!    The latest from Ritter’s Blog:   2021 Maximum Broker Commissions for Medicare Advantage & Medicare Part D Ritter has everything you need to know about 2021 maximum broker commissions for Medicare Advantage and Medicare Part D initial enrollments. Note: Insurance providers are NOT REQUIRED to pay the maximum commission rate. Ritter and Carrier Operations During the COVID-19 Pandemic The COVID-19 virus has effectively changed the way the United States operates for the foreseeable future. A compilation of information from the carriers Ritter supports regarding their capacity to continue operations during the COVID-19 pandemic. Here Are the Medicare Out-of-Pocket Expenses That Cost Beneficiaries Most Do you know what your Medicare clients likely spend the most money on out of pocket? Do your clients know what out-of-pocket costs they can expect with Medicare? The stats are in!   Subscribe & Follow:   Apple Podcasts Google Podcasts Overcast Podbean Spotify Stitcher   Connect on social:   Facebook Twitter YouTube LinkedIn  

  Looking for 2021 Medicare Advantage and Medicare Part D agent certification and product training details? Find out how to get carrier AHIP, Medicare Advantage certification, Part D certification, and product training details in one convenient place!   Read the text version.   Mentioned in this episode:   FAQs About AHIP Four Reasons Why Ritter Should Be Your FMO Insurance Agency Learn More About Medicareful Register with Ritter Insurance Marketing Ritter’s Certification Center What is AHIP and Why Do You Need It?   More episodes you’ll like:   July 3, 2020 | The Friday Five The Friday Five for July 3, 2020: HHS and the COVID-19 Public Health Emergency; Anthem releases update to Alexa Skill; CVS launches platform to aid reopening efforts; How to cope with stress and anxiety right now; and Changes to Google Photos back up process AHIP Test Tips & Tricks for Medicare Certification Learn the rules for taking the AHIP test, information on discounts and reimbursement, how to prepare yourself, test-taking tips, legit tech hacks, and more! Before you begin your first attempt at AHIP certification, be sure to listen to this ASG Podcast episode! How to Recruit Insurance Agents to Your Downline Want to build a successful downline for your insurance business? Don’t miss our best practices for recruiting agents to your agency! And be sure to check out the show notes for a link to grab your copy of our eBook – Developing an Agency – Your Guide to Getting Started. How to Sell Medicare Advantage Plans – FREE Guide Get ready to find out what selling Medicare Advantage is all about! Whether you’re already an insurance agent selling Medicare or you’re transitioning to MA sales, we want to help you build your career. Our eBook is packed with information on Medicare Advantage – certification, contracting, sales pitches, cross-selling tips, training, marketing, and more! Wondering who qualifies for MA plans or when you can enroll your clients? We answer those questions, and give you an AEP Ready-to-Sell Checklist, FAQs on AHIP, and info on enrolling clients online with Medicareful. Download your copy of our FREE eBook today! The Survivor’s AEP Checklist Prepare for AEP with the Agent Survival Guide! The Annual Enrollment Period will be here before we know it! Use our checklist to plan ahead, and you'll be "ready-to-sell" with plenty of time to spare.   The latest from Ritter’s Blog:   How to Check for Your First Looks The moment when carrier First Looks become available is a very exciting time for insurance agents! It can put a spring in your step and help you get in the mood for the upcoming Annual Enrollment Period! 2021 Maximum Broker Commissions for Medicare Advantage & Medicare Part D Ritter has everything you need to know about 2021 maximum broker commissions for Medicare Advantage and Medicare Part D initial enrollments. Note: Insurance providers are NOT REQUIRED to pay the maximum commission rate. Reassuring Clients During Difficult Times During times of uncertainty, like the COVID-19 pandemic, it is likely that your clients will look to you for reassurance, and answers. Are you prepared to provide the support they are seeking?   Subscribe & Follow:   Apple Podcasts Google Podcasts Overcast Podbean Spotify Stitcher   Connect on social:   Facebook Twitter YouTube LinkedIn  

  How do you calculate the amount of life insurance your client needs? We outline three methods insurance agents can use to find the right amount of coverage.   Read the text version.   Mentioned in this episode:   4 Steps to Every Final Expense Sale How to Make the Most of Life Insurance Awareness Month When to Recommend Life Insurance Based on Its Tax Advantages   More episodes you’ll like:   5 Life Insurance Myths Your Clients May Believe Do your clients truly understand life insurance? We debunk five myths your clients may use as objections to purchasing a policy. Learn how to handle these objections and make the sale! Identifying Ideal Clients for Universal Life Insurance Products Is universal life insurance a good fit for your clients? In this episode, we cover the ideal clients for each type of universal life product – guaranteed (GUL), index (IUL), and traditional (UL). The Increasing Value of Combining Life and LTC Insurance Do linked-benefit Life/LTC insurance products have a place in your portfolio? Find out why the market is ripe for these types of plans right now!   The latest from Ritter’s Blog:   2021 Medicare Advantage & Part D Certification Info Medicare agent certification and product training details for 2021 are being released! Luckily, you can find many carriers’ AHIP, Medicare Advantage certification, Part D certification, and product training details in one place. How to Check for Your First Looks The moment when carrier First Looks become available is a very exciting time for insurance agents! It can put a spring in your step and help you get in the mood for the upcoming Annual Enrollment Period! 2021 Maximum Broker Commissions for Medicare Advantage & Medicare Part D Ritter has everything you need to know about 2021 maximum broker commissions for Medicare Advantage and Medicare Part D initial enrollments. Note: Insurance providers are NOT REQUIRED to pay the maximum commission rate.   Subscribe & Follow:   Apple Podcasts Google Podcasts Overcast Podbean Spotify Stitcher   Connect on social:   Facebook Twitter YouTube LinkedIn  

  Thinking about partnering with an FMO? Wondering how you can tell the good from the bad? Our top 10 list outlines what you need to know before you partner with a field marketing organization.   Read the text version.   Register with Ritter Insurance Marketing   Mentioned in this episode:   ASG Podcast Hotline – 1-717-562-7211 Learn more about Medicareful What Are Agents Responsible for Under HIPAA?   More episodes you’ll like:   4 Perks of Partnering with an FMO What exactly is a field marketing organization? Why partner with an FMO? If you've been debating joining an FMO, you don't want to miss this episode! 4 Reasons Why Ritter Should Be Your FMO Insurance Agency Looking for an FMO? Not sure what a field marketing organization like Ritter Insurance Marketing can do for your insurance business? Learn everything you need to know in this can’t-miss episode of the ASG Podcast! FMO vs. IMO vs. NMO vs. MGA vs. GA: What’s the Difference? We've got a lot of jargon to keep up with in the insurance industry. In this episode, we're going to unpack the acronyms for the types of individuals and organizations that exist in the industry to help you make your some of your business decisions a whole lot easier.   The latest from Ritter’s Blog:   2021 Medicare Advantage & Part D Certification Info Medicare agent certification and product training details for 2021 are being released! Luckily, you can find many carriers’ AHIP, Medicare Advantage certification, Part D certification, and product training details in one place. How to Check for Your First Looks The moment when carrier First Looks become available is a very exciting time for insurance agents! It can put a spring in your step and help you get in the mood for the upcoming Annual Enrollment Period! 2021 Maximum Broker Commissions for Medicare Advantage & Medicare Part D Ritter has everything you need to know about 2021 maximum broker commissions for Medicare Advantage and Medicare Part D initial enrollments. Note: Insurance providers are NOT REQUIRED to pay the maximum commission rate.   Subscribe & Follow:   Apple Podcasts Google Podcasts Overcast Podbean Spotify Stitcher   Connect on social:   Facebook Twitter YouTube LinkedIn  

It's New Year's Day on July 1st! I don't know about you, but despite my good intentions, I have gotten derailed on my 2020 goals, and I have not made the progress I was hoping for by this point. As it's halfway through the year, and also the 1-year anniversary of my podcast, I think it's a GREAT time to renew our commitment to our goals! We can make the second half of 2020 much more positive, and make it end better than it began--all positive change starts with ourselves. So no matter what kind of goals you have, whether you've been derailed or not, I invite you to join me inside the Rockstar Confidence Facebook group. For a minimum of 90 days, we will support and hold each other accountable! Let's do this together! Get the PUSH Journal system here, and use the code KERRI10 for 10% off your purchase! (NOT REQUIRED to do the challenge, just an offering!) Start your mornings off right with my Abundance Meditation! Follow me on Instagram! Follow me on Facebook! Join the Rockstar Confidence Facebook group! Visit my blog! Support Operation Underground Railroad and stop child sex trafficking! Listen to Tim Ballard, founder of OUR, on the Jordan Harbinger Show! Stay organized and reach your goals with a PUSH Journal! Use the code KERRI10

  Ever want to just throw in the towel and stop being an insurance agent? We’ve been there! But, before you do anything you might regret, listen to this episode.   Read the text version.   Mentioned in this episode:   4 Reasons Why Ritter Should Be Your FMO Agent Survival Guide Blog at RitterIM.com Building Client Loyalty: More than Just a Plan Do You Have What it Takes to Be a Great Agent? I Am Ready to Quit Selling Insurance Learn More about Medicareful Ritter Insurance Marketing Official Website Ritter’s Medicare Quote Engine Ritter’s 100K Cash Giveaway Is Back with New Prizes for 2020! Top 10 Reasons Why Insurance Brokers or Agents Fail Why Taking it Slow is Good for Business   More episodes you’ll like:   5 Real-Life Medicare Scenarios & How to Handle Them Just because a client's situation is more challenging, doesn't mean you can't help them get the coverage they need and complete the sale. In this episode, we help you prepare for some of the tougher cases you may encounter out in the field. 5 MORE Real-Life Medicare Scendarios & How to Handle Them Ready for 5 more challenging insurance sales scenarios and their solutions? Listen to learn how you can handle these potential dilemmas and still close the sale. Tips for Working with a Difficult Client Ever have a difficult client? Check out our tips on how to work through three frustrating (but common!) situations insurance agents face in the field. We've got some advice on when to walk away, too.   The latest from Ritter’s Blog:   How to Check for Your First Looks The moment when carrier First Looks become available is a very exciting time for insurance agents! It can put a spring in your step and help you get in the mood for the upcoming Annual Enrollment Period! 2021 Maximum Broker Commissions for Medicare Advantage & Medicare Part D Ritter has everything you need to know about 2021 maximum broker commissions for Medicare Advantage and Medicare Part D initial enrollments. Note: Insurance providers are NOT REQUIRED to pay the maximum commission rate. Reassuring Clients During Difficult Times During times of uncertainty, like the COVID-19 pandemic, it is likely that your clients will look to you for reassurance, and answers. Are you prepared to provide the support they are seeking?   Subscribe & Follow:   Apple Podcasts Google Podcasts Overcast Podbean Spotify Stitcher   Connect on social:   Facebook Twitter YouTube LinkedIn  

  Captive or independent? Which path is right for you? In this episode of our ASG Podcast, we highlight three reasons to choose the independent agent route.    Read the text version.   Mentioned in this episode:   3 Tips to Becoming an Independent Insurance Agent 7 Reasons to Choose an Independent Agent Building Client Loyalty: More than Just a Plan Captive Agent Captive Agent vs. Independent Agent Independent Agent Learn More About Medicareful Ritter’s Medicare Quote Engine Top 5 Benefits of Using an Independent Insurance Agent What Is the Difference Between Captive and Independent Insurance Agents? Why Use an Insurance Agent?   More episodes you’ll like:   4 Perks of Being a Part-Time Insurance Agent Thinking about joining the ranks of insurance agents selling Medicare for a living? Not really sure if becoming a senior health insurance agent is the right career path for you? We get it! What if you could give it a practice run before giving up your full-time job? In this episode of the ASG Podcast, we discuss the benefits of starting out as a part-time insurance agent. 4 Reasons Why Ritter Should Be Your FMO Insurance Agency Looking for an FMO? Not sure what a field marketing organization like Ritter Insurance Marketing can do for your insurance business? Learn everything you need to know in this can’t-miss episode of the ASG Podcast! FMO vs. IMO vs. NMO vs. MGA vs. GA: What’s the Difference? We've got a lot of jargon to keep up with in the insurance industry. In this episode, we're going to unpack the acronyms for the types of individuals and organizations that exist in the industry to help you make your some of your business decisions a whole lot easier. Ready to Join an FMO? 10 Things to Consider Thinking about partnering with a field marketing organization? Wondering how you can tell the good from the bad? Our top 10 list outlines what you need to know before you partner with an FMO. What an FMO Can Do for Your Business Why work with an FMO? What is a Field Marketing Organization? If you've been on the fence about joining an FMO, this can't-miss episode is for you!   The latest from Ritter’s Blog:   How to Check for Your First Looks The moment when carrier First Looks become available is a very exciting time for insurance agents! It can put a spring in your step and help you get in the mood for the upcoming Annual Enrollment Period! 2021 Maximum Broker Commissions for Medicare Advantage & Medicare Part D Ritter has everything you need to know about 2021 maximum broker commissions for Medicare Advantage and Medicare Part D initial enrollments. Note: Insurance providers are NOT REQUIRED to pay the maximum commission rate. Reassuring Clients During Difficult Times During times of uncertainty, like the COVID-19 pandemic, it is likely that your clients will look to you for reassurance, and answers. Are you prepared to provide the support they are seeking?   Subscribe & Follow:   Apple Podcasts Google Podcasts Overcast Podbean Spotify Stitcher   Connect on social:   Facebook Twitter YouTube LinkedIn  

  The Friday Five for June 19, 2020: AHIP 2021 Certification Reminder HealthNow and Highmark Affiliation Agreement New Link Between COVID-19 and Diabetes? Face Masks and Skin Care Drug Found to Reduce Death in Worst COVID-19 Cases   AHIP episode playlist:   What is AHIP and Why Do You Need It? FAQs about AHIP AHIP Test Tips & Tricks for Medicare Certification   Mentioned in this episode:   4 Dermatologist-Approved Steps for Treating (and Preventing) Acne From Face Masks A Dermatologist’s Guide to Combatting the Skin Issues That Flare When Wearing a Face Mask Apple announces virtual WWDC 2020 will begin on June 22nd Apple chooses 350 WWDC20 Swift Student Challenge winners, spotlights six Apple’s WWDC20 Swift Student Challenge winners determined to shape the future Celebrate Juneteenth (virtually) from anywhere in the nation Highmark Inc. and HealthNow New York Inc. Announce Affiliation Agreement Is your mask causing breakouts? Here are 9 expert-approved solutions Juneteenth celebration events held virtually this year ‘Life-saving’ coronavirus drug discovered by Oxford researchers Scientists Warn That Covid-19 Could Cause Diabetes WHO cheers COVID-19 trial results of dexamethasone WWDC coverage on MacRumors   More episodes you’ll like:   June 12, 2020 | The Friday Five The Friday Five for June 12, 2020: The Cost of Treating COVID-19; Coronavirus cases on the rise in Arizona; HHS announces new data reporting protocol for COVID-19; Lemonade files for IPO; and Federal Reserve Announces Interest Rate & Projections 2021 Maximum Broker Commissions for Medicare Advantage & Medicare Part D CMS recently released the 2021 maximum broker commissions for Medicare Advantage and Medicare Part D. Find out the dollar amounts you could receive for writing MA and PDP business this AEP. 4 Perks of Being a Part-Time Insurance Agent Thinking about joining the ranks of insurance agents selling Medicare for a living? Not really sure if becoming a senior health insurance agent is the right career path for you? We get it! What if you could give it a practice run before giving up your full-time job? In this episode of the ASG Podcast, we discuss the benefits of starting out as a part-time insurance agent.   The latest from Ritter’s Blog:   2021 Medicare Advantage & Part D Certification Info Medicare agent certification and product training details for 2021 are being released! Luckily, you can find many carriers’ AHIP, Medicare Advantage certification, Part D certification, and product training details in one place. How to Check for Your First Looks The moment when carrier First Looks become available is a very exciting time for insurance agents! It can put a spring in your step and help you get in the mood for the upcoming Annual Enrollment Period! 2021 Maximum Broker Commissions for Medicare Advantage & Medicare Part D Ritter has everything you need to know about 2021 maximum broker commissions for Medicare Advantage and Medicare Part D initial enrollments. Note: Insurance providers are NOT REQUIRED to pay the maximum commission rate.   Subscribe & Follow:   Apple Podcasts Google Podcasts Overcast Podbean Spotify Stitcher   Connect on social:   Facebook Twitter YouTube LinkedIn  

  Learn the rules for taking the AHIP test, information on discounts and reimbursement, how to prepare yourself, test-taking tips, legit tech hacks, and more! Before you begin your first attempt at AHIP certification, be sure to listen to this ASG Podcast episode!   Read the text version.   Contact our team at Ritter Insurance Marketing   Call the ASG Podcast Hotline: 1-717-562-7211   Mentioned in this episode:   5 Ways to Connect a Laptop to a Monitor AHIP Medicare Training Brain Foods: Snack & Drinks That Make You Smarter FAQs About AHIP How to Survive AEP: Wellness Tips for Insurance Agents Positive thinking: Stop negative self-talk to reduce stress Register with Ritter Ritter’s Certification Center The Benefits of Stress Management The Importance of Healthy Hydration What is AHIP and Why Do You Need It? What is Diffusion?   More episodes you’ll like:   2021 Maximum Broker Commissions for Medicare Advantage & Medicare Part B CMS recently released the 2021 maximum broker commissions for Medicare Advantage and Medicare Part D. Find out the dollar amounts you could receive for writing MA and PDP business this AEP. FAQs about AHIP You have questions about AHIP, we've got the answers! Get the facts on this exam, from how much it costs and where to take it, to study tips and discounts. Insurance Agents & CMS Compliance Stay compliant with the CMS Medicare Communications and Marketing Guidelines, even while on social media. We outline the best practices for insurance agents to follow while using social media. Social Media Privacy Tips for Insurance Agents Online privacy is a big deal. You want to use social media to market your insurance business. How do you protect yourself and your clients? We've got some best practices and a link to a very informative eBook that’s free to download. Listen to find out more! What is AHIP and Why Do You Need It? Learn more about AHIP requirements, how to get certified, and ways to find discounts on AHIP courses.   The latest from Ritter’s Blog:   How to Check for Your First Looks The moment when carrier First Looks become available is a very exciting time for insurance agents! It can put a spring in your step and help you get in the mood for the upcoming Annual Enrollment Period! 2021 Maximum Broker Commissions for Medicare Advantage & Medicare Part D Ritter has everything you need to know about 2021 maximum broker commissions for Medicare Advantage and Medicare Part D initial enrollments. Note: Insurance providers are NOT REQUIRED to pay the maximum commission rate. Reassuring Clients During Difficult Times During times of uncertainty, like the COVID-19 pandemic, it is likely that your clients will look to you for reassurance, and answers. Are you prepared to provide the support they are seeking?   Subscribe & Follow:   Apple Podcasts Google Podcasts Overcast Podbean Spotify Stitcher   Connect on social:   Facebook Twitter YouTube LinkedIn  

  Get ready to make the most of AEP! We just launched our newest resource page - Surviving AEP - on the Agent Survival Guide Blog. If you want to really thrive this Annual Enrollment season, check it out! We talk AEP prep, AHIP, compliance, and more. There's even an opportunity for a portfolio review. Find "Surviving AEP" online at ritterim.com/aep!   Hey there! It’s me, Sarah Rueppel, host of the Agent Survival Guide Podcast here to tell you about a really cool resource that we just launched on our website. It’s called Surviving AEP, and it’s an entire page dedicated to helping you make the most of the Medicare Annual Enrollment Period. That period only lasts from October 15th through December 7th, (just 54 days!) and there are quite a few things that need to be done before you’re considered “ready-to-sell.” Surviving AEP lays out what that path looks like and walks you through it, step-by-step. AEP prep, compliance, AHIP, sales, and even managing stress while you’re trying to do all of those things. Very important, don’t want to be like me and get shingles in the midst of a pandemic. But enough about me, although I do think this is the coolest feature, when you subscribe to our blog through the Surviving AEP page, you get a free portfolio review as our way of saying thank you. Check it out here: ritterim.com/aep And as I’m known to frequently say, we will have that link in our show notes for you. Now go see for yourself!   Surviving AEP with Ritter Insurance Marketing   Mentioned in this episode:   Ritter Insurance Marketing Official Website Surviving AEP   More episodes you’ll like:   June 12, 2020 | The Friday Five The Friday Five for June 12, 2020: The Cost of Treating COVID-19; Coronavirus cases on the rise in Arizona; HHS announces new data reporting protocol for COVID-19; Lemonade files for IPO; and Federal Reserve Announces Interest Rate & Projections FAQs About AHIP Have questions about AHIP? We've got answers! In this episode, we answer some frequently asked questions about AHIP certification. How to Sell Medicare Advantage Plans – FREE Guide Get ready to find out what selling Medicare Advantage is all about! Whether you’re already an insurance agent selling Medicare or you’re transitioning to MA sales, we want to help you build your career. Our eBook is packed with information on Medicare Advantage – certification, contracting, sales pitches, cross-selling tips, training, marketing, and more! Wondering who qualifies for MA plans or when you can enroll your clients? We answer those questions, and give you an AEP Ready-to-Sell Checklist, FAQs on AHIP, and info on enrolling clients online with Medicareful. The Best Software for Tracking Your Medicare Commissions How do you track your Medicare commissions? Want a better solution? Listen to this episode of our ASG Podcast for suggestions on tracking (and troubleshooting!) your hard-earned insurance commissions. The Survivor’s AEP Checklist Prepare for AEP with the Agent Survival Guide! The Annual Enrollment Period will be here before we know it! Use our checklist to plan ahead, and you'll be "ready-to-sell" with plenty of time to spare.   The latest from Ritter’s Blog:   How to Check for Your First Looks The moment when carrier First Looks become available is a very exciting time for insurance agents! It can put a spring in your step and help you get in the mood for the upcoming Annual Enrollment Period! 2021 Maximum Broker Commissions for Medicare Advantage & Medicare Part D Ritter has everything you need to know about 2021 maximum broker commissions for Medicare Advantage and Medicare Part D initial enrollments. Note: Insurance providers are NOT REQUIRED to pay the maximum commission rate. Reassuring Clients During Difficult Times During times of uncertainty, like the COVID-19 pandemic, it is likely that your clients will look to you for reassurance, and answers. Are you prepared to provide the support they are seeking?   Subscribe & Follow:   Apple Podcasts Google Podcasts Overcast Podbean Spotify Stitcher   Connect on social:   Facebook Twitter YouTube LinkedIn  

  Have questions about AHIP? We've got answers! In this episode, we answer some frequently asked questions about AHIP certification.   Read the text version.   Contact the Team at Ritter Insurance Marketing   Mentioned in this episode:   AHIP Official Website Ritter Insurance Marketing Official Website     More episodes you’ll like:   4 Perks of Being a Part-Time Insurance Agent Thinking about joining the ranks of insurance agents selling Medicare for a living? Not really sure if becoming a senior health insurance agent is the right career path for you? We get it! What if you could give it a practice run before giving up your full-time job? In this episode of the ASG Podcast, we discuss the benefits of starting out as a part-time insurance agent. How to Sell Medicare Advantage Plans – FREE Guide Get ready to find out what selling Medicare Advantage is all about! Whether you’re already an insurance agent selling Medicare or you’re transitioning to MA sales, we want to help you build your career. Our eBook is packed with information on Medicare Advantage – certification, contracting, sales pitches, cross-selling tips, training, marketing, and more! Wondering who qualifies for MA plans or when you can enroll your clients? We answer those questions, and give you an AEP Ready-to-Sell Checklist, FAQs on AHIP, and info on enrolling clients online with Medicareful. June 12, 2020 | The Friday Five The Friday Five for June 12, 2020: The Cost of Treating COVID-19; Coronavirus cases on the rise in Arizona; HHS announces new data reporting protocol for COVID-19; Lemonade files for IPO; and Federal Reserve Announces Interest Rate & Projections The Survivor’s AEP Checklist Prepare for AEP with the Agent Survival Guide! The Annual Enrollment Period will be here before we know it! Use our checklist to plan ahead, and you'll be "ready-to-sell" with plenty of time to spare. What is AHIP and Why Do You Need It? Learn more about AHIP requirements, how to get certified, and ways to find discounts on AHIP courses.   The latest from Ritter’s Blog:   How to Check for Your First Looks The moment when carrier First Looks become available is a very exciting time for insurance agents! It can put a spring in your step and help you get in the mood for the upcoming Annual Enrollment Period! 2021 Maximum Broker Commissions for Medicare Advantage & Medicare Part D Ritter has everything you need to know about 2021 maximum broker commissions for Medicare Advantage and Medicare Part D initial enrollments. Note: Insurance providers are NOT REQUIRED to pay the maximum commission rate. Reassuring Clients During Difficult Times During times of uncertainty, like the COVID-19 pandemic, it is likely that your clients will look to you for reassurance, and answers. Are you prepared to provide the support they are seeking?   Subscribe & Follow:   Apple Podcasts Google Podcasts Overcast Podbean Spotify Stitcher   Connect on social:   Facebook Twitter YouTube LinkedIn  

  The Friday Five for June 12, 2020: The Cost of Treating COVID-19 Coronavirus cases on the rise in Arizona HHS announces new data reporting protocol for COVID-19 Lemonade files for IPO Federal Reserve Announces Interest Rate & Projections Mentioned in this episode:   Measuring the Moment: How will George Floyd’s Death Matter to the Insurance Industry? Workforce Diversity in the Independent Agency System: 3 Steps to Change 19 states see rising coronavirus cases and Arizona is asking its hospitals to activate emergency plans Arizona’s COVID-19 spread is ‘alarming’ and action is needed, experts warn COVID-19 Cost Scenario Modeling: Treatment COVID-19 could cost insurers up to $547B through 2021: report Fed sees interest rates staying near zero through 2022, GDP bouncing to 5% next year HHS Announces New Laboratory Data Reporting Guidance for COVID-19 Testing How You Can Sell Insurance In Your State During COVID-19 Lemonade Files for IPO, Says It May Sell Life Insurance Ritter and Carrier Operations During the COVID-19 Pandemic   More episodes you’ll like:   4 Perks of Being a Part-Time Insurance Agent Thinking about joining the ranks of insurance agents selling Medicare for a living? Not really sure if becoming a senior health insurance agent is the right career path for you? We get it! What if you could give it a practice run before giving up your full-time job? In this episode of the ASG Podcast, we discuss the benefits of starting out as a part-time insurance agent. June 5, 2020 | The Friday Five The Friday Five for June 5, 2020: Getting Back to Preventive Care - What it looks like; CVS partners with Nuro; Google Sued for $5 Billion; Save the Dates - Ritter Summits Coming Soon; and New Medicare Advantage Sales eBook Available. The Survivor’s AEP Checklist Prepare for AEP with the Agent Survival Guide! The Annual Enrollment Period will be here before we know it! Use our checklist to plan ahead, and you'll be "ready-to-sell" with plenty of time to spare.   The latest from Ritter’s Blog:   How to Check for Your First Looks The moment when carrier First Looks become available is a very exciting time for insurance agents! It can put a spring in your step and help you get in the mood for the upcoming Annual Enrollment Period! 2021 Maximum Broker Commissions for Medicare Advantage & Medicare Part D Ritter has everything you need to know about 2021 maximum broker commissions for Medicare Advantage and Medicare Part D initial enrollments. Note: Insurance providers are NOT REQUIRED to pay the maximum commission rate. Reassuring Clients During Difficult Times During times of uncertainty, like the COVID-19 pandemic, it is likely that your clients will look to you for reassurance, and answers. Are you prepared to provide the support they are seeking?   Subscribe & Follow:   Apple Podcasts Google Podcasts Overcast Podbean Spotify Stitcher   Connect on social:   Facebook Twitter YouTube LinkedIn  

  Learn more about AHIP requirements, how to get certified, and ways to find discounts on AHIP courses.   Read the text version.   Mentioned in this episode:   AHIP Official Website FAQs About AHIP More info on America’s Health Insurance Plans (AHIP) Ritter’s Carrier Pages Ritter’s Certification Center   More episodes you’ll like:   4 Perks of Being a Part-Time Insurance Agent Thinking about joining the ranks of insurance agents selling Medicare for a living? Not really sure if becoming a senior health insurance agent is the right career path for you? We get it! What if you could give it a practice run before giving up your full-time job? In this episode of the ASG Podcast, we discuss the benefits of starting out as a part-time insurance agent. June 5, 2020 | The Friday Five The Friday Five for June 5, 2020: Getting Back to Preventive Care - What it looks like; CVS partners with Nuro; Google Sued for $5 Billion; Save the Dates - Ritter Summits Coming Soon; and New Medicare Advantage Sales eBook Available. The Survivor’s AEP Checklist Prepare for AEP with the Agent Survival Guide! The Annual Enrollment Period will be here before we know it! Use our checklist to plan ahead, and you'll be "ready-to-sell" with plenty of time to spare.   The latest from Ritter’s Blog:   How to Check for Your First Looks The moment when carrier First Looks become available is a very exciting time for insurance agents! It can put a spring in your step and help you get in the mood for the upcoming Annual Enrollment Period! 2021 Maximum Broker Commissions for Medicare Advantage & Medicare Part D Ritter has everything you need to know about 2021 maximum broker commissions for Medicare Advantage and Medicare Part D initial enrollments. Note: Insurance providers are NOT REQUIRED to pay the maximum commission rate. Reassuring Clients During Difficult Times During times of uncertainty, like the COVID-19 pandemic, it is likely that your clients will look to you for reassurance, and answers. Are you prepared to provide the support they are seeking?   Subscribe & Follow:   Apple Podcasts Google Podcasts Overcast Podbean Spotify Stitcher   Connect on social:   Facebook Twitter YouTube LinkedIn  

  The Friday Five for June 5, 2020: Getting Back to Preventive Care - What it looks like CVS partners with Nuro Google Sued for $5 Billion Save the Dates - Ritter Summits Coming Soon New Medicare Advantage Sales eBook Available   Mentioned in this episode: CVS Pharmacy partners with Nuro to test self-driving vehicle prescription delivery Everything Coming to Netflix, Disney+, HBO Max, Hulu & Amazon Prime Video in June 2020 Google sued for $5 billion over alleged privacy violations: report Is It Safe Yet To Get Your Physical Or A Dental Checkup? National Doughnut Day 2020: Where to get free doughnuts Ritter’s Medicare Advantage eBook – The Complete Guide on How to Sell Medicare Advantage Plans   Save the Date for Ritter’s Summits! Garden City, NY – August 25, 2020 Philadelphia, PA – August 26, 2020 Central PA – August 27, 2020   More episodes you’ll like: May 29, 2020 | The Friday Five The Friday Five for May 29, 2020: CMS Releases Final Rule for Medicare Advantage & Part D 2021; Telehealth on the rise with consumers; CMS Announces Part D Senior Savings Model featuring affordable insulin; Apple and Google Contact Tracing API; Kaiser Permanente releases Covid-19 Playbook How to Recruit Insurance Agents to Your Downline Want to build a successful downline for your insurance business? Don’t miss our best practices for recruiting agents to your agency! And be sure to check out the show notes for a link to grab your copy of our eBook – Developing an Agency – Your Guide to Getting Started. The Survivor’s AEP Checklist Prepare for AEP with the Agent Survival Guide! The Annual Enrollment Period will be here before we know it! Use our checklist to plan ahead, and you'll be "ready-to-sell" with plenty of time to spare. How to Add Technology to Your Insurance Business Need to bring technology into your business? Not sure where to begin? Start by listening to this episode! We’ll help you revamp your insurance sales process. The Best Software for Tracking Your Medicare Commissions How do you track your Medicare commissions? Want a better solution? Listen to this episode of our ASG Podcast for suggestions on tracking (and troubleshooting!) your hard-earned insurance commissions.   The latest from Ritter’s Blog: How to Check for Your First Looks The moment when carrier First Looks become available is a very exciting time for insurance agents! It can put a spring in your step and help you get in the mood for the upcoming Annual Enrollment Period! 2021 Maximum Broker Commissions for Medicare Advantage & Medicare Part D Ritter has everything you need to know about 2021 maximum broker commissions for Medicare Advantage and Medicare Part D initial enrollments. Note: Insurance providers are NOT REQUIRED to pay the maximum commission rate. Reassuring Clients During Difficult Times During times of uncertainty, like the COVID-19 pandemic, it is likely that your clients will look to you for reassurance, and answers. Are you prepared to provide the support they are seeking?   Subscribe & Follow:   Apple Podcasts Google Podcasts Overcast Podbean Spotify Stitcher   Connect on social:   Facebook Twitter YouTube LinkedIn  

Not Required to be in Bank Account Earning Little or No Interest Must be Liquid and Safe Why Your Personal Bank can be Option for Emergency Fund

Meet Mateo Vosganian one of the original band members of Wild Adriatic (Drummer/Vocalist) who will be performing at Caffe'Lena on May 1st with Travis Gray (Vocals & Guitar) and Rich Derbyshire (Bass & Vocals.) This come together #STAYHOMELIVESESSIONS are brought to us FREE from the Caffe' Lena stage using social distancing best practices (a Special Thank You to the State of New York.) A tip jar is available to help these out of work musicians during this time even a dollar to two will go a long way - Although Tipping is Not Required.

Vaginal detox pearls NOT REQUIRED. Box of bear cubs left on front lawn....

Vaginal detox pearls NOT REQUIRED. Box of bear cubs left on front lawn....

SHOW NOTES: Thanks for listening! We’ve posted some helpful info for you in our show notes below!   PODCAST BASICS: - Subscribe where you listen! - Check out the details on our website - Get the Bible app (free) - Follow our Bible reading plan - Check out our customized journal - Join our PATREON community for bonus fun!    MERCH: Get your TBR merch! We’ve got t-shirts, coffee mugs, tote bags, phone wallets, and stickers!    FROM TODAY’S PODCAST:  - Exodus 35:20-29 - Article: 7 Reasons Christians are Not Required to Tithe - Article: The Bible Commands Christians to Tithe - Follow TBR on Instagram! - Follow TBR on Facebook! - Follow TBR on Twitter!   SOCIALS: The Bible Recap: Instagram | Facebook | Twitter | Pinterest  D-Group: Instagram | Facebook | Twitter | Pinterest TLC: Instagram | Facebook | Twitter   D-GROUP:The Bible Recap is brought to you by D-Group - an international network of discipleship and accountability groups that meet weekly in homes and churches: Find or start one near you today!   TBR TEAM: Written and Hosted by: Tara-Leigh Cobble Content Manager: Courtney Vaughan Podcast Operations: Callie Summers Website Management: Joelle Smith Sound Engineer: Allison Congden Content Design: Morgan Young Social Media Management: Sarah Yocum Journal Design: Brittney Murray Logo Design: Landon Wade   Available on: iTunes | Spotify | Google | Stitcher | Podbean | Google Play | YouTube   WEBSITE:thebiblerecap.com

Understanding the difference between toughness and strength. One is based on fear, one is based on love, one is based on knowledge of your self and one is theatre. It takes a lot of courage to lower you dukes. Love does not happen in a contracted state, you need to unclench your fist. What you will learn in this episode: ● You are Not Required to Stay in Grief  3:30 ● Acting Tough vs. Internally Strong  15:30 ● Coping Mechanisms  18:00 ● Meet the World with Softness  20:15   Karen Kenney is a writer, speaker, and the founder of Fearless Flow Mentoring. She's a certified Spiritual Mentor, has been a student & guide of A Course in Miracles for 26+ years and a longtime student of Passage Meditation. She's also been a certified yoga teacher since 2001. KK grew up in Lawrence & Boston, MA and is known for her storytelling, her sense of humor and her “down-to-earth” approach to spirituality. Her signature program: "Your Story to Your Glory" helps people let go of their old stories of suffering and victimization - so they can write a new kick-ass story - from an inner place of power, forgiveness, freedom and Spirit. A sought-after expert and Spiritual Thought Leader for Live Events, Podcasts, Coaching Programs and Shows, Karen speaks on stages across the country and leads transformational retreats in the New England area and at the Omega Institute in NY. KK is the host of The Karen Kenney Show and is currently at work on her memoir. You can learn more and connect with Karen at: http://www.karenkenney.com/freebie FB @karenkenneylive Instagram @karenkenneylive Thanks for listening! If something that I shared from my heart today somehow landed in yours, I'd love to hear about it. So please tag me on Facebook or Instagram and let me know what your favorite part was or what you found most helpful. If you're digging what I'm saying and you want to hear more, I'd be wicked grateful if you can go to iTunes and subscribe and leave a review and if you can think of someone that could benefit from hearing this episode, please share it with them.

Discord: http://discord.worldofwarcast.com Twitch: http://twitch.tv/starmiketv Mount Up Add-on: https://wow.curseforge.com/projects/mount-up Happy 13th! Ren Cocktail of the Cast: Julep Zecca Italiana About 80% through the “Home Flooring Renovation” achievement Completed the new pre-expansion quest line on paladin - upgraded artifact from 75 to 126 Purchased a small one-handed gaming keyboard from DeLux - $30. Taking some time to get used to but may be easier to use than full sized keyboard when I’m one handed. Only real problem is maneuvering while flying Other issue: no English instructions came with it Mike I made a thing. I thought I needed things from Midsummer - nope. Did the artifact thing Poop quest :P Still need to do the mage tower This Week in WoW Midsummer Fire Festival continues through July 5 (Thursday) This Week: Arena Skirmishes; next week, World Quest Bonus Event Darkmoon Faire starts Sunday, July 1 News Pre-expansion artifact quest in Silithus went live this week Achievement: Crucible’s Promise - upgrades your artifact from 75 to 126 Several of the Silithus quests are NOT REQUIRED to complete this (but you can’t skip the trips to Stormwind or Orgrimmar) Only the quests directly from Nolan Speed (Alliance) and Grol Warblade (Horde) are required to complete the quest line First Horde quest: motivate peons; first Alliance quest, collect Mysterious Ore by killing goblins. Horde quest turns in to Grol. Alliance has turn-in for Mysterious Ore going to a dwarf, but then return to Nolan Speed to pick the line back up. From this point on, the main line is identical, Horde or Alliance. Pick up “The Twilight Survivor” from Nolan or Grol. Ignore “Desert Research” because it’s just a breadcrumb to an unnecessary gnome or goblin line. Pick up “A Recent Arrival” to talk to Khadgar, and this leads to the end. You can skip ALL the gnome quests (Alliance) and goblin quests (Horde) and the outhouse quest and it does not affect progress. These extras provide color and 18g but no rep or other rewards Confirmed upgraded ALL owned weapon artifacts, whether they are on you or in the bank When you have completed this quest, if you complete any other weapon quests, these fully upgrade as soon as you shift into that specialization Underlight Angler graphics do what the regular artifacts do and it shows TRILLIONS of AP, but doesn’t actually upgrade the Angler (AP yellow bar still shows proper amount of points. Display bug) Reportedly making the Mage Tower much easier to complete and sudden uptick in new guilds finishing Mythi and Cutting Edge Argus the Unmaker achievements. Mage Tower is now live 24/7 Forbes Interviews with Ion Hazzikostas Change in BFA: Prevent players from swapping gear in high difficulty Mythic+ dungeons - make it consistent with not changing talents mid-encounter. Mythic+ now requires complete speccing (talents AND gear) for the entire dungeon, which Blizzard now views as a single encounter. New Azerite armor Can’t be warforged or titanforged Only source that can be run repeatedly is normal or heroic dungeons Can be gained as a world quest emissary reward, but not from world quests themselves Can get as a weekly PvP or conquest reward, but not at the end of a match Mythic dungeons - not from box at the end, but only from the weekly reward box Clear tiers of Azerite armor Communities Will not be cross faction (“we’re at war!”] Yay Discord! Confirmed the following are all going away in the prepatch: First Aid achievements Ahead of the Curve and Cutting Edge achievements Violet Spellwing mount quest from killing Argus. Guaranteed mount drops from mythic Argus and Gul’dan in The Nighthold will become rare drops The Chosen title (killing bosses in mythic Trial of Valor without dying) Brawler’s Guild seasonal achievements Legion Elite PvP armor sets, achievements related to the Ashran battlefield and several other Legion specific PvP achievements Mentioned Fisherfriends of the Isles isn’t going away but will be a lot easier to achieve now that there are huge groups doing it Professions Professions system is “changing dramatically” Each expansion will have its own separate skill tier level Analogy: Pandaria cooking If you have 800 skill in a profession, you’ll be at 100 skill level in each expansion’s profession tier, and will start BFA as level 1 for BFA crafting. If you have 650, for example, you will have 100 through Pandaria, then 50 for Warlords, and no Legion Also means is that if all you want to do is craft items for Battle of Azeroth, there’s nothing you have to do - you do not need to get your profession to 800 - there is no advantage because all 800 profession skill level means now is that you will have 100 level in all expansion tiers short of BFA. Everyone will start at level 1 for BFA crafting and gathering. Question: how is racial profession bonus going to figure into this? Also means if you want to change professions, it’s a great time to do it. Ian’s advice: professions “extremely optional” to level up - “don’t worry about anything other than the Mage Tower”. No specific events planned for prepatch that will boost levels the way the Legion invasions did BFA kinder to alts? Only things specifically mentioned: artifact necklace will work for all specs - no having to develop separate necklaces for tanking, DPS and healing No class legendaries

Episode 19: Personal Finance for High Schoolers Featuring: Reid Simpson, Financial Advisor Mentor Bio: Reid Simpson is a Partner & Investment Professional at Sunstone Financial based in Phoenix, Arizona. Reid graduated Summa Cum Laude with a Finance & Economics degree from Grand Canyon University. His passion led him to become the President of the Entrepreneurial Club and establish lasting relationships with the University and Alumni.Today, Reid works with students all across U.S. who are in their Junior or Senior year of high school. These last 2 years of high school are the most important in identifying your funding for college opportunities. Reid works with parents and students to identify, plan, and implement a strategy that affords anyone to go to the school of their choice, for the best possible price.Reid is passionate about helping families with college, financial planning, entrepreneurship, health and fitness, and he is even an IRONMAN Triathlon Finisher! Industry Overview: What do Financial Advisors do? Personal financial advisors provide advice on investments, insurance, mortgages, college savings, estate planning, taxes, and retirement to help individuals manage their finances. What does their work environment look like? Most personal financial advisors work in the finance and insurance industry or are self-employed. They typically work full time and may meet with clients in the evening or on the weekends How do you become a Financial Advisor? Personal financial advisors typically have a bachelor's degree although NOT REQUIRED they ARE required to pass certain exams administered by the Financial Industry Regulatory Authority, or FINRA, which is responsible for governing business between the investing public and brokers to ensure advisors are qualified, according to investopedia.com. In addition, the series 6 and 7 licenses can further help advance your career in this particular field of work. A master’s degree and a certificate can improve one’s chances for advancement in the occupation although once again NOT REQUIRED. Credentials like on-the-job experience and licenses can be much more important. What additional skills that they typically don’t teach in school do you need? According to job unlocker team if you are not good at sales or cannot learn in a matter of months you are going to have a bad time. Learning soft entrepreneurial skills like speaking, networking, persuasion, and more technical marketing skills are crucial. Unfortunately, due to standardization in the schooling system these skills are not taught. What is the pay? The median annual wage for a personal financial advisor was $90,530 in May 2016. The top 75% is $160,490 and 25th percentile $57,460. Future demand in marketplace? Employment of personal financial advisors is projected to grow 15 percent from 2016 to 2026, much faster than the average for all occupations. As the population ages and life expectancies rise, demand for financial planning services should increase. Overall… US news rates a financial advisor as # 8 in best business jobs which ranks them based on 5 categories (salary, job market, future growth, stress, and work-life balance); with statistician, actuary, and mathematician coming in 1st, 2nd and 3rd respectively. Todd's personal opinion… If you have an entrepreneurial drive, like to help people, want to make an above normal stable salary, are ready for a somewhat cut throat industry… this is something you want to check out! Go ahead and get started by reading a book like Unshakable by Tony Robbins or the Mortley Fool investment guide for teens to see if learning this information gets you fired up! Show Notes: [1:45] - Welcome to Episode 19! [2:45] - Introducing Reid Simpson, Financial Advisor! [4:15] - Financial Advisor Industry Insights / Career Statistics. [8:15] - Reid's Industry Insights. [10:00] - The Power of Compounding Interest. [15:45] - How Reid Got Started in Finance. [17:30] - An Average Day in the Life of Reid Simpson. [19:30] - How Reid Made it Where He is Today! [25:00] - Word From the Student-Tutor Community! [27:15] - Would You Do It Again / Future Market Predictions? [31:45] - Reid's #1 Piece of Actionable Advice for Teens [35:30] - Questions from The Teenage Mastermind Students! [48:45] - Outro. Mentor's Key Points: Get INTERNSHIPS!! An internship can be one of the most lucrative and career building activities you can do! NETWORK, and build RELATIONSHIPS! Make friends, share interests, and talk about what you and your colleagues DO! Have fun, and share experiences with others; to build a deeper relationship. Learn more and more about these people and what they like. Start investing TODAY! Learn about an IRA, and create the HABIT of putting money aside. Compounding interest can make you a millionaire! Resources: More Information on this Week's Industry Analysis! Bureau of Labor Statistics Unshakable by Tony Robbins 8 Things to be Aware of Before Getting a Job as a Financial Advisor Connect With This Week's Mentor! Linkedin Facebook Instagram Learn MORE About The Teenage Mastermind Program! Mastermind Intro Video Join Our FREE Webinar! Mastermind Parent & Student Feedback! Connect With Student-Tutor! Student-Tutor Main Hub Join our Facebook Group! Need Tutoring or SAT / ACT Prep? Click here! The Mentors 4 Teens: College, Scholarship, and Career Guidance Podcast Copyright © 2018 by Student Tutor Produced by: Todd VanDuzer & Cody Mack Recording by: Todd VanDuzer Music & Editing: Cody Mack Sponsorship & Interview Requests: podcast@student-tutor.com  

  In today’s podcast, Richard L. Duquette discusses how Good Samaritans are Protected. Tune in to help you decide when and how to help an injured bicyclist!   In Good Hands   Some people may fear having to face a lawsuit when they come upon a downed rider. They fear the liabilities that can possibly come along with the accident. For this, a few could just stand around the victim while the others ride by without providing help.   Suppose a good samaritan comes along. Well, there’s nothing to fear. Laws have been established in California to protect the good-hearted person.   Not Required to Help   Historically, there have been no mandates that require us to help. If you decide to help a downed rider, you can use “due care” or risk liability. Liability arises only when a person has a special relationship with the victim. None can be punished for not taking action. Encouraged to Volunteer   Today, CA Health and Safety Code Section 1799.102 encourages us to volunteer help in an emergency. It states, “No person who in good faith, and not for compensation, renders emergency medical or nonmedical care at the scene of an emergency shall be liable for any civil damages resulting from any act or omission.”   You won’t be facing a lawsuit as long as you assist a downed rider responsibly. For this, you can provide any necessary actions to help.   Tips When Offering Help   Local paramedics provide the following tips when helping a downed bicyclist: Check if the person is breathing Give CPR only when you know how Don’t move the person Don’t take off his helmet and clothes Tell the person not to move Call 911 for immediate help Guard the person against oncoming motorists and dangers   To hear about the protection and tips in helping a downed rider, download and listen to the entire episode of Good Samaritans are Protected.   If you are short on time, here are the highlights of Good Samaritans are Protected:   Historical background? (1:33) When a bad person makes the mistake? (3:17) Tips when offering help? (3:36) Enrolling in an emergency medical training program? (5:25) Life and death situation? (6:15)   Connect with Richard L. Duquette at the following links:   Richard's Website Email Richard Call Richard: 760-730-0500 Connect with Richard on Facebook Follow Richard on Twitter   © 2016 Law Firm of Richard L. Duquette  

This is a big topic and there is a lot to it - but if you're looking to unravel the online marketing maze for yourself, I've simplified everything for you.   I remember a few years ago when I began growing my business online and it sounded, felt, and looked like a completely different language - I felt confused and left wondering if I would ever get to the point where I would be able to say, “that really worked for me.”   Grab your guide for this episode: kellyroachcoaching.com/169   In this episode, I will walk you through EXACTLY how to get started taking your business online with doable steps that won't add hours to your already busy schedule. We'll clarify what it means to build a list, how to identify what your brand actually is, and how to create resources for your target market that perfectly compliment their needs and what you do.    Some of the things we'll be covering today include clarifying your brand, what you need to do vs. what isn't necessary in your "funnel," and how to naturally funnel all of your opt-ins to a conversion event with you.   Required: a willingness to put the pieces in place Not Required: a fancy sales page, the most expensive email marketing software or an existing list - among other things you may have been led to believe are mandatory.   Go to kellyroachcoaching.com/169 to get your roadmap to getting started with online marketing!   Connect with Kelly: www.kellyroachcoaching.com www.facebook.com/kellyroachinternational www.twitter.com/kellyroachint A HUGE thank you for listening to Unstoppable Success Radio!   I would be so grateful if you left me a rating and review!     My mission and goal is to serve you, my listeners, so please submit your questions for an upcoming #ask Kelly episode by emailing coaching@kellyroachcoaching.com or @kellyroachint or calling 610 910 3600 to submit your questions!       Here's how I can help you achieve your goals:     -How to build, scale and automate growth in your business:kellyroachcoaching.com/yes     -Take your hobby, side hustle or new business quickly to the 100k mark: kellyroachcoaching.com/100k     -Turbo charge your productivity, break through overwhelm and the impact the profit in your business in 30 day or less kellyroachcoaching.com/higher-profits/     -Inquire about Private consulting and coaching by completing the application at: http://kellyroachcoaching.com/apply-now/     Get insider tips and resources only available to my private email community by texting IGNITE to 44222 or visiting kellyroachcoaching.com and selecting any of the exciting resources or trainings available for immediate download.     Have you gotten your copy of UNSTOPPABLE: 9 Principles for Unlimited Success in Business and in Life at Amazon here NOW!  

Rene Thomas Folse, JD, Ph.D. is the host for this edition which reports on the following news stories. Not Required to Advanced Payment For Oral Surgery. Employer Home Renovator Convicted for No Comp Insurance. Proposed Law Targets Gender Based Apportionment. New Reports Critical of Reduction in Comp Rates. 35 L.A. Car Washes Cited by Labor Commissioner. More Than 80% of LETF Inspections Result in Penalties. Cal/OSHA Says 75% of Roofers Violate Safety Regulations. California Considering Drug Formularies. Study Says Stem Cells Effectively Repair Cartilage. More NFL Champions Donate Brains to Research.

--{ Pirate-Shepherd-Kings: Plundering Across the World Having Themselves a Ball, The Fisher-Kings Select Them, One Ring Binds Them All: "As Money Value Plummets, Like Falling Autumn Leaves, The Guardians Close Ranks, There's Honour Amongst Thieves, Selected from "The Better Schools," Got Proper Genealogy, Tested by the Masters for Required Psychopathology, Doors of Power Open Wide, Resumé Not Required, From Gov. Appointees to CEOs, Never Getting Tired, They're Members of the Pirate Gang and Affiliations, Power Brokers, Rushed Around Globe for Negotiations, Long-Term Planners in Geo-Politics, Tearing World Asunder, To Bring "Rational Governance" while Pocketing the Plunder, Superior Beings, Sheeple-Eaters, To the Future, They Sing, 'We're the Pirates Wearing Pinafores, We're Shepherd Kings' " © Alan Watt }-- Elite Clubs, Pirate Brotherhood, Fraternities - Contracts and the Public Purse - Lawrence Eagleburger, Kissinger et al, Foreign Policy and Strategy - Investigations into Halliburton and its Subsidiaries/Contractors, Overbilling Government (Taxpayer). Communitarianism - Poor Booted out of London - Gov. Slashing Benefits, Cutbacks for "Austerity" - Social Engineering, Communism, Cogs (Numbers) in the Machine. Agenda 21, Peasants Cleared from Countryside, Moved into Crowded Cities - Earth Charter - Retired Bureaucrats with NGOs and on Councils. Queen Owns the Seabed, Royals Reap Profits from Windfarms - Any Treasures Found on British Land belongs to Crown. Afghanistan, $3 Trillion of Untapped Resources, Soldiers Guarding Poppy Fields - Infiltration of Every Country - Ancient Pyramid and Mound Builders. (See http://www.cuttingthroughthematrix.com for article links.) *Title/Poem and Dialogue Copyrighted Alan Watt - Oct. 26, 2010 (Exempting Music, Literary Quotes, and Callers' Comments)

I. A Long Voyage in the Scriptures Take your Bibles if you would and open to Romans chapter six, we're going to be looking this morning at the topic of Christian baptism. We're going to be starting in Romans 6:1-4, but actually our journey is going to take us in many different places today. A little bit more unusual approach to preaching than I usually do. But I think it's important for us to understand water baptism and what the Scripture says, and there's no better place in my opinion to begin than in Romans 6:1-4. One of the things that I'd like to accomplish this morning is to give you a sense of just what people in the past have suffered for this doctrine, the doctrine namely of believers' baptism. In 1526, two men, Conrad Grebel and George Blaurock baptized each other in a house in Zurich. In doing so, they immediately became outlaws. It wasn't long before the order went out from the city council that anyone that received what they considered to be re-baptism or Anabaptism would be drowned, executed by drowning. The idea was that the baptizer should be baptized themselves. "If they want water, let's give it to them." And so they were put under a death sentence, and yet these two were willing to stand up for what they believed, namely that the church should be comprised of believers. The church should be made up of regenerate people, and that baptism was not to be given to infants, but rather to those who have heard the Gospel and have made a creditable profession of faith. The whole incident started when Grebel refused to baptize his newborn child. And pretty soon we are going to have a newborn child and we will not be baptizing that child. I was raised in the Catholic tradition myself. And I have come to Baptistic convictions by searching scriptures. And that's the way it was also for Conrad Grebel and for Manz and a number of others that we call Swiss Anabaptists. And they were persecuted from pillar to post. Everybody persecuted them: The Roman Catholics did, the Lutherans did, the Reformed did. Everybody persecuted these believers, but they stood up for what they believed because they knew it was scriptural, namely that baptism, water baptism, was to be given to regenerate people, to born again people. And so we've come to that conviction that we are a Baptist church and we testify in the line of that conviction that it is believers, it is those who have been regenerated by the Holy Spirit, who have believed the Gospel, who are to be the proper subjects of baptism. But it's not just the Anabaptists of the 1600s or 16th century, it also is the English Baptists of the 17th century and on that did the same things. And time and time again, we're seeing the same thing, namely that people troubled by the issue of baptism would open up the scriptures and the New Testaments and they'd search and they would find no evidence whatsoever for infant baptism, but rather for believer baptism. And they came to understand what baptism was all about, water baptism. Adoniram and Ann Judson Two of my heroes from church history, Adoniram Judson and Ann Judson, got on a boat in 1812 along with Luther Rice and some others, and they were sailing over to the part of the world where God's work was being carried out by William Carey. William Carey was the first modern missionary from the Protestant world. Going to that part of the world, he was a Baptist and he had set up shop there and was ministering. And the news of his work had reached the shores of the new formed nation of the United States and the Judson’s were our first missionaries. They set sail from Salem…When Christi and I lived up there, we went and looked at the area, the pier where they took off from, and there's a little plaque there. And Adoniram and Judson set sail. Now, it's a long voyage to Burma, isn't it? And you've got all kinds of hours to spend on the ship, and what are you going to do with that time? There were no in-flight movies at that point such as we enjoyed recently on a long flight to the other side of the world. There was nothing but the books to read and prayer and fellowship together. And so as they were sailing, they began to investigate the scripture specifically on the issue of baptism. And the reason why is that they were congregationalists. They were sailing as congregationalists, they were sent out by congregational churches in New England and they were all infant baptizers. And so when they got on that boat, they believed in infant baptism. Well, they had time to begin to investigate and their whole purpose is that they wanted to prove William Carey wrong. And so they were searching through the scriptures so that they could prove that William Carey was wrong. Well, the opposite happened. As they were searching through scriptures, they came to realize that the preponderance of evidence is clear that it is only believers who are to be baptized in the water, not infants. Well as it went on, Adoniram Judson became more and more convinced of this, and Ann Judson became more and more anxious. So what are we going to do? Once we come baptist, they're going to cut off our support. We're going to be left all alone, none of our other missionaries are going with us, will fellowship with us. We'll be totally alone. And Adoniram Judson said that we have to follow the Scripture wherever it leads. And so he was willing at that point to be cut off from all financial support, missionary support. And Ann Judson, though she didn't really believe in infant baptism, she was willing to argue with him and fight against him until finally, she said, "I've got to read the scriptures myself." And so she searched it and she came to those same convictions. And so also did Luther Rice, and when they arrived there the three of them were baptized as well. Now, nowadays, I wonder sometimes if baptists still have those same strong convictions. If we be willing like Conrad Grebel to die for our beliefs on baptism or willing like the Judson's were to be cut off from all financial support, missionaries in a distant land with no network or support because of a doctrine. I wonder that sometimes I've been reading a book entitled, "Why I'm a Baptist," and in it, it talks about some attitudes toward baptism that have crept in even to the Baptist church. Harry Emerson Fosdick who was a liberal at the beginning part of the 20th century, said this about baptism, he said, "Why should baptism divide? If I had my way, baptism would be all together an individual affair. Anyone who wanted to be immersed, I would gladly immerse. Anyone who wanted to be sprinkled, I would gladly sprinkle. If anyone was a quaker and had conscientious scruples against any ritual, I would gladly without baptism welcome him into the church on confession of his faith, why not? Well that's what Fosdick said, why not? Because scripture says that's why. And that's why we will continue to uphold believer baptism despite what people are saying. Meanwhile Will Campbell who is a liberal Baptist wrote this, it's a testimony about his baptism of his infant grandson. This is what he said. "My daughter Bonnie asked me if I would baptize her three-year-old son Harlan on Christmas. My daddy was here, at that point he had been a Baptist Deacon for 60 years and I was afraid because in Baptists circles, infant baptism is quite a scandal particularly if not by immersion. So I asked in deference to him "Daddy do you believe in infant baptism?" And he said "Believe in it son? I've actually seen it." That was his way of saying, "Don't be silly, baptize your grandson." So we did at the breakfast table. Harlan got to giggling while we were doing this and when we got finished he said, (he called me Papa) "Papa what did you put on my head?" I said "Water." And he said "Why?" Bonnie was squirming she didn't want her three-year-old son traumatized by her daddy's horse and buggy theology, but it was a fair question I was glad to answer it. I talked about guilt and forgiveness. He said "What is guilt?" I said "You know that big lump you get in your throat when you and your mama quarrel." Well when I got through with the little homily he jumped down from the table wiped off the last of the runny egg with his biscuit and started off toward the door with the television room, then he came back and grabbed me around the knees and looked up and in the throes of a deep belly laugh said "Well well Papa thank you then." " Is that all baptism is? A little three-year-old who doesn't have the first idea about conviction of sin, doesn't know what Jesus did. Is that all baptism is meant to be? I think not. But in Romans chapter 6:1-4, baptism is held up as a symbol of a union with Christ in his death and also in his resurrection. II. Context in Romans Look with me at that text, Romans 6:1-4. "What shall we say then? Shall we go on sinning so that grace may increase? By no means. We died to sin how can we live in it any longer. Or don't you know that all of us who were baptized into Christ Jesus were baptized into his death. We were therefore buried with him through baptism into death in order that just as Christ was raised from the dead through the glory of the Father, we too may live a new life." Now Romans 6:1-4 is perhaps the chief doctrinal basis that many Baptists have for believer baptism, but I think it goes far deeper than that. I believe in context of Romans that what's being discussed here is an attitude that some may have toward the doctrine of justification by faith alone apart from works. Now we talked about that last time, but our gospel is the gospel of free grace is it not? It's a gospel in which God reaches down to us in our need there is nothing we can do for our salvation. There is no hope for us to be justified before a holy and righteous God, who has a full record of all of our sins and who for one sin cast Adam and Eve out of the garden (that is the holiness of God), and we have no hope before such a holy God for salvation, if God doesn't work it. And because God is looking for righteousness on Judgment Day and we have none we must receive an alien righteousness, a gift of righteousness coming to us through Jesus Christ. A righteousness purchased for us on the cross where Jesus took on our sins and suffered the wrath of God and died that death penalty that we might have eternal life. And Jesus stood in our place and the sins that we had were given to him, and the righteousness that he had was given to us. God made him who had no sin to be sin for us so that in him we might become the righteousness of God, and on the basis of that we will stand. And so therefore it is impossible to sin your way out of righteousness, sin your way out of God's justification, for where sin abounds grace abounds all the more. Well if that's the true gospel, what's the natural thing that pops in your mind? Well then let's sin all we want. What difference does it make if we're saved by grace, justified by something that someone else did, we can sin as much as we want right? And that's what Paul brings up here in Romans 6. He says: "What then, shall we go on sinning or continue to sin so that grace may abound, may it never be." he says. And then he says in effect, he puts it in question form but he says: "We died to sin, how can we live in it any longer?" We died to sin how can we live it in any longer, and then he brings up this image or this picture of baptism. Now in the Christian life there are two different ways of understanding baptism, there is water baptism and there is the baptism by the spirit. And it's so important for us to understand as Baptists, (those who believe in believer baptism that it is the baptism with the spirit), the union, the spiritual union we have with Jesus Christ that saves us, not the water. But that must come first. The public testimony that we have been justified through faith in Jesus Christ comes first and then the water comes next. So he says in verse 3: "Don't you know that all of us who are baptized into Christ Jesus were baptized into his death? We were therefore buried with him through baptism into death in order that just as Christ was raised from the dead through the glory of the Father we too may live a new life." III. New Testament History John the Baptizer Now in order to understand baptism we have to kind of go back in New Testament history. The first time that water baptism enters the scriptures with John the Baptizer. Now you know him as John the Baptist but I don't want you to misunderstand, he wasn't a Baptist the way we understand. He was a Baptizer, he was someone who came under command from God to baptize in water. And so it says in Mark 1:4-5, "And so John came baptizing in the desert region and preaching a baptism of repentance for the forgiveness of sins. The whole Judean countryside and all the people of Jerusalem went out to him confessing their sins. They were baptized by him in the Jordan river." And so this man John was sent by God. It says at the beginning of that verse, "And so John came." What does that mean? "And so John came." Well, he came in the direct fulfillment of prophecy. "It is written in the book of Isaiah the prophet, 'I will send my messenger ahead of you who will prepare your way' - 'a voice of one calling in the desert "prepare the way for the Lord, make straight path for Him."' And so John came baptizing." You see the water baptism came to prepare the way for the Lord Jesus Christ who was sent by God. The testimony in John 1 is clear that God sent John to baptize. John 1:29 and following it says this: "The next day John saw Jesus coming toward Him and said, 'Behold the lamb of God who takes away the sin of the world.' This is the one I meant when I said a man who comes after me has surpassed me because He was before me. I myself did not know Him but the reason I came baptizing with water was that He might be revealed to Israel." Then John gave this testimony: "I saw the spirit, descend like a dove and remain on Him. I would not have known Him except that the one who sent me to baptize with water told me the man on who you see the spirit come down to remain He is the one who will baptize with the Holy Spirit. I have seen and I testify that this is the son of God." A Baptism of Repentance And so John came baptizing with water and he preached it says, "A baptism of repentance." John preached day after day and people came out to hear him; people from all Jerusalem and Judea and all the whole countryside would come out to hear John the Baptist and he would preach and he would preach boldly, and he would preach a baptism of repentance. Now, this was rather shocking to the Jewish establishment, and why is that? Because up to that point baptism had only been done to gentile converts to Judaism. That's what it was used for. It's not a ceremony or commandment given in the Old Testament, but it's something that they had established that if a gentile wanted to come into Israel and become a Jew they would of course, if a male, had to be circumcised but also would have to go through this baptism to kind of purify them from sin. And so this was picked up by John the baptizer and he was saying you Jews have to be purified you're not truly Jewish. You're not living according to the commands of the law of Moses you were treated like gentiles you must come in in the same way. And so he was baptizing Jewish people, and it was shocking to people. They were very surprised. But it was a baptism of repentance. Now what is repentance? Repentance is a change of mind, a change of heart about sin. It's the very issue that Paul's dealing with in our passage in Romans 6. We're going to have a new attitude, a new relationship with sin, In Christ we died to sin. How can we live in it any longer. There's a new way of thinking about it. And so John was calling the people to a new way of thinking about sin; that they would hate sin; that they would fight against sin; that they would yearn to be righteous and free from sin forever. And so he preached the baptism of repentance and confessing their sins they were baptized. It was their way of saying, I want to be done with sin. I come with sin into the river. I want to leave the sin behind and come out pure and clean. And so it was he preached a baptism of repentance. Now true repentance always leads to a change life, doesn't it? Isn't that Paul's point here in Romans 6? If you died to sin you can't live in it any longer. You're going to live a changed life. Things will be different for you from now on. And so John preached the same way in John 3:7-9. Luke wrote, "John said to the crowds coming out to be baptized by him, 'You brood of vipers, who warned you to flee from the coming wrath? Produce fruit and keeping with repentance and do not begin to say to yourselves, we have Abraham as our father. For I tell you that out of these stones God can raise up children for Abraham. He axe is already at the root of the trees and every tree that does not produce good fruit will be cut down and thrown into the fire.'" And so he was calling on them to change their lives whether they were soldiers or tax collectors or any member of society that they were to live differently. There was to be a new life, a change of heart. They were to prove their repentance by their deeds. Now John's baptism, ultimately, was simply to prepare the way for Christ, to reveal Christ to Israel. And John 1:31, we already read. He said, "I myself did not know Him. But the reason I came baptizing with water was that Jesus Christ might be revealed to Israel." It was to get the people ready for Christ to come. And so in the midst of his preaching, in the midst of his baptism, he said, "Behold the lamb of God who takes away the sin of the world." It isn't this water baptism that takes away the sin of the world. It is Jesus and his blood and his ministry that takes away the sins of the world. And so therefore, he consistently denigrated. He considered his water baptism to be inferior to that which Jesus came to do. Said it over and over. He compared himself to Christ, and he said, "I am not worthy to stoop down and untie his sandals." That's what he said. "I'm not worthy to touch his feet." I just stop there and think about that. Sometimes I just think we're too familiar with Jesus. I think Jesus loves us with the love we just can't imagine, but John the Baptist said I don't even deserve to touch his feet. Jesus said John the Baptist was the greatest man that had ever lived up to that point. "I don't deserve to untie his sandals." And people were wondering about John. They were waiting expectantly. They were wondering in their hearts if John might be the Christ Luke 3:15-17, John answered them all. "I baptize you with water. But one more powerful than I is coming who's sandals I do not deserve to untie. He will baptize you with the Holy Spirit and with fire. His winnowing fork is in his hand and he will clear his threshing floor, gathering the wheat into his barn but the chaff he will burn up with unquenchable fire." So Jesus comes bringing two baptisms. Doesn't he? The baptism of the Spirit and the baptism of fire. One of them for salvation and one of them for judgment. Water baptism is just a symbol. Jesus brings the real baptism. Baptism of the spirit and fire. Now it's amazing each of these four gospels underscores this very strongly. The water baptism of John was inferior to the baptism that Jesus brought; the baptism with the spirit. Now Jesus Christ himself submitted to water baptism. In Matthew chapter three we have the account Jesus came from Galilee to the Jordan to be baptized by John. John tried to stop him and said, "I don't deserve to baptize you. " "'I need to be baptized by you and you come to me?' And Jesus said, 'Let it be so now. It is proper for us to do this to fulfill all righteousness,' and then John consented. And as soon as Jesus came up out of the water…" And by the way every time it says that, I keep thinking about immersion but you don't need all this water if you're just going to be sprinkling... And so Jesus came up out of the water and at that moment heaven was opened and the spirit descended on him like a dove and a voice came from heaven saying, "This is my son whom I love." And so we believe Jesus received water baptism. And so Baptist tend to speak this way. We follow the Lord in baptism. Jesus was baptized with water. We follow him. And he was baptized with water too. Now, Jesus had no sins to repent from, did he? But he was showing his unity with us, and with John's message. Total identification with the purposes of God. We must fulfill all righteousness. And now it's reasonable for us to understand what baptism is. Baptism, the word literally means immersion. It means a complete immersion into something. It was a word used by someone who is dying wool or some kind of cloth. You're going to immerse it in the dye. If you're going to dye it purple or dye it blue, you would completely immerse it in the vat where the dye was. And so that's the word used. Baptism. Baptidzo. It's a total immersion. And so, Jesus in effect was immersing himself in righteousness. He was immersing himself in John's message. He was immersing himself in unity with us though he had no sin. And so in that same way, he spoke of his crucifixion as a baptism. In Luke 12:49-50, he says, "I have come to bring fire on the earth and how I wish it were already kindled. But I have a baptism to undergo and how distressed I am until it is completed." What is he referring to there? It's his crucifixion, his death. He would be completely immersed in the wrath of God. He would drink totally the cup of God's wrath for us so that we would not have to. Jesus was immersed in that. There was a time also in Mark chapter 10 when James and John, the sons of Zebedee came up to Jesus and they had a request. And Jesus said, "What is it you want me to do for you?" And they said, "Grant that one of these two sons of mine may sit at your right and one on your left." The mother made the request and then Jesus turned to the sons, James and John and says, "You don't know what you're asking." "Can you drink the cup that I'm going to drink or be baptized with the baptism I'm going to be baptized with?" "We can," they said, not knowing what they were speaking of. "Yes, we can be baptized with your baptism." Jesus said, "You will drink the cup I drink and be baptized with the baptism I'm baptized with. But to sit on my right or left is not for me to grant. Those places belong to those for whom they're prepared." Now how did James and John get baptized with Jesus's future baptism? Our text answers that question I believe. We are united with Christ in his death and we are united with him also in his resurrection. A total union between us and Jesus Christ. Paul put it this way, Galatians 2:20, "I have been crucified with Christ and I no longer live." That's total identification. I've been immersed in Jesus's death. Totally one with it. His death is my death. And so also his resurrection is my resurrection. So just as I died with Christ to sin. So now I have been raised with Christ to a whole new life. And the water baptism is just a symbol of that, just a picture of that. But the real baptism is being baptized with the baptism with which Jesus was baptized. That death on the cross and also his resurrection. But Jesus also commanded not just did he receive water baptism himself and not just did he speak of his crucifixion as a baptism, but he wanted his disciples to do water baptism, to pick up with this symbol from John the Baptist and carried on into his ministry, into their ministry. In John chapter 3, this is recorded after this Jesus and his disciples went out into the Judean countryside where he spent some time with them and baptized, it says. John 3:26, some people came to John and said, "Rabbi, that man who is with you on the other side of the Jordan, the one you testified about. Well, he is baptizing and everyone's going out to him." And so the whole countryside was going and so baptism is being carried on around Jesus. Now I speak of it that way because we learn in John chapter 4 that Jesus himself was not baptizing, but his disciples were. Jesus didn't do the water baptism. He had a greater baptism to give, the baptism of the spirit and he would give that. But the disciples were to do the water baptizing and so they did. They baptized with water, John 4:1-2. And so he had it started early in his ministry. I assume it continued right on through and then he gave the command in the great commission. He said, "All authority in heaven and earth has been given to me. Therefore, go and make disciples of all nations, baptizing them in the name of the father and the son and the Holy Spirit, and teaching them to obey everything I've commanded. And surely, I am with you always, to the end of the age." So water baptism was going to be part of the great commission. That the disciple-making would come alongside this symbol, this water baptism. Baptism into the name of the father and the son and the Holy Spirit. And then, finally, Jesus baptized his disciples with the Holy Spirit. In Acts 1:4-5, "On one occasion," it says, "while he was eating with them, he gave them this command, 'Do not leave Jerusalem, but wait for the gift my father promised, which you have heard me speak about, for John baptized with water, but in a few days you will be baptized with the Holy Spirit." And so it happened. On the day of Pentecost (Acts chapter 2), the Holy Spirit descended on that assembled body, 120 of them there. And the Holy Spirit came and they were baptized with the Holy Spirit. After the Holy Spirit came, they were filled with the spirit and they went out on the streets and Peter preached to a huge throng there. And this is what Peter said, "God has raised this Jesus to life and we are all witnesses of the fact. Exalted to the right hand of God he has received from the father, the promised Holy Spirit, and has poured out, which you now see in here." The Holy Spirit has been poured out. And so Jesus in baptism. And then the apostles continued that baptism in their ministry right that same day of Pentecost. Acts 2:37 and following, "when the people heard this [the message of the Gospel], they were cut to the heart." They were convicted, there was a conviction of sin, and they said, "Brothers, what shall we do?" There was a cry from the heart saying, "I want to be saved. The wrath of God is against me. I'm under my sins. Is there a refuge for me? Is there a place where I can go?" Yes there is, the blood of Jesus Christ has been shed for you. And he said, "Repent and be baptized, every one of you, in the name of Jesus Christ, for the forgiveness of your sins, and you also will receive the gift of the Holy Spirit. The promise is for you and your children and for all who are far off, for all of whom the Lord our God will call. With many other words he warned them; and he pleaded with them, 'Save yourselves from this corrupt generation'." And, "Those who accepted his message were baptized." Just a moment. What did I just say? Those who accepted the message were baptized. No infants. Those who accepted the message, those who believed the message were baptized. And the number of disciples grew to about 3000 that day. So it was also with Philip and the Ethiopian eunuch. "Here's water. Why shouldn't I be baptized?" And so he was baptized. And Paul and Silas with the Philippian jailer. Water baptism. But yet the apostles consistently considered the baptism of the spirit more significant. That's what mattered more than anything else. In Acts chapter 10, Peter is speaking to the first Gentile convert, Cornelius. "While Peter was still speaking these words, the Holy Spirit came on all who heard the message. The circumcised believers who had come with Peter were astonished that the gift of the Holy Spirit had been poured out even on the Gentiles, for they heard them speaking in tongues and praising God. Then Peter said, 'Can anyone keep these people from being baptized with water? They have received the gift of the Holy Spirit just as we have.'" They'd already been united with Christ. They'd already believed, it had already happened. Let's do the water baptism because God's commanded it for us. You see the order? And so it was. Now, what do we learn from this survey? Well, first, water baptism is significant, isn't it? It's important. If it weren't important, Jesus wouldn't have been baptized. If it weren't important, Jesus wouldn't have commanded us to baptize in water. But it's not ultimately important. The baptism of the Spirit, the union that we have with Jesus Christ in his death and in his resurrection by the spirit, now that saves. That saves you from sin. So what is baptism, then? IV. What Baptism Is Baptism is a Symbol of Union with Christ Baptism is, number one, a symbol of union with Christ. A symbol. It's not reality. The Catholic church teaches that there is a reality about their sacraments. Something really happens to you when you go through their sacraments. So they believed that I, when I was baptized as a two-week-old infant or however old I was, I don't remember it, but I was baptized, that something happened to me. I became a Christian that day, so they teach. But we believe that water baptism is just a symbol. It's a symbol of an internal, spiritual union, isn't it? And what really matters is that internal spiritual union, it must come first. It's prior, it's more important. It's an immersion. We're baptized into the name of the father and the son and the Holy Spirit. We are united with him through faith. That's what it is. And water baptism is a symbol of that union. Romans 6:3-4. "Don't you know that all of us who were baptized into Christ Jesus were baptized into his death? We were therefore buried with him through baptism into death in order that, just as Christ was raised from the dead through the glory of the father, we too may walk in newness of life." So if you're a Christian, you are united with Christ in death and united with him now in a new life. And therefore, you cannot sin that grace may increase. It's impossible for you. Water baptism, therefore, a symbol of union with his death, union in his resurrection, union by the Holy Spirit. But it's also a symbol of union with the body of Christ, with the church. Baptism is a Symbol of Union with Christ’s Body, the Church You don't baptize yourself, do you? Did any of you baptize yourselves? I need to talk to you afterwards. Baptism is done by someone else, isn't it? Someone baptizes you. And why is that? Well, it's because it's a symbol that you're coming into a community, into a fellowship of faith. There's a continuity, a sense of a growing church of Jesus Christ. And so it's a symbol of union with Christ's body. You're being baptized into a body, is what's happening. 1 Corinthians 12:13. Write that one down. It's an important verse. 1 Corinthians 12:13, it says in verse 12, "The body is a unit though it is made up of many parts, and though all its parts are many, they form one body. So it is with Christ. For we were all baptized by one spirit into one body." Did you hear that? "We were all baptized by one spirit into one body, whether Jew or Greeks, slave or free. And we were all given the one spirit to drink." What's really going on is the spirit baptism, a spirit drink. And by the spirit we are made into one body worldwide. Jew or Greeks, slave or free. It doesn't matter what nation you're from, it doesn't matter your national origin, it doesn't matter your gender. None of that matters, you are baptized all into one body by one spirit. There is "one Lord, one faith, one baptism, one God and father of all, who is overall, and through all and in all," Ephesians 4:5. So we are baptized into a body, the church. Pledge of a Good Conscience And then finally water baptism is the pledge of a good conscience. Now, in the days of John the Baptist, you came and you were saying, "I repent from sin. I'm turning away from sin. I hate it. I don't want to live in it any longer." Well, the same thing happens here, isn't it? When you come up to this baptismal font, in this baptistery here, you're coming in, you're saying, "I want to be done with sin. I want to live a new life. I repent, and this is a symbol of my repentance." It's the pledge of a good conscience toward God. 1 Peter 3:21-22, "Water symbolizes baptism that now saves you also, not the removal of dirt from the body but the pledge of a good conscience toward God. It saves you by the resurrection of Jesus Christ, who has gone into heaven and is at God's right hand with angels, authorities and submission to him." So you're making a pledge of a good conscience toward God who rules over all things. Not the removal of dirt from the body. V. What Baptism Is Not Not for Unregenerate But what is baptism not? Well, baptism is not for the unregenerate. It's not for the unbeliever. And so, Baptists have always had a procedure you have to go through before they'll baptize you. They want to know for sure whether you're born again or not. The point is not the water, the point is your eternal soul before God. That's what matters, want to be sure that you're saved, want to be sure that you're justified by faith in Christ alone, and that you will not have to bear the wrath of God on judgment day, but rather that you're free forever from sin through faith in Christ. And so, we are seeking, reaching out for believers, not for the unregenerate. Do you realize folks, you Baptists, that we're in the minority on this one? Roman Catholics, Orthodox, Lutherans, Methodists, Presbyterians, on and on. Are you also sure of this now? Are you so sure about believer baptism? Can you stand up and give a testimony for what you believe? We're in the minority, but we believe that the scripture is teaching that you hear the message, you repent and believe and then receive water baptism as a symbol of what's already happened in your life. But behind this is a larger ideal, isn't it? And that's what we call a regenerate church membership. What do I mean by regenerate church membership? I mean that the church, the local church should as much as possible be comprised of believers in Jesus Christ. You don't seem shocked. The church is meant to be made up of believers. And so we desire to see regenerate born-again people to be believers of this church and no others. That's our goal. But why is that? Because of the ultimate issues that we're facing here. We're facing the fact that apart from Christ, we're under the wrath of God, but furthermore because unregenerate church members affect the church life, don't they? They affect the way that things go around here and in other churches too. And so we seek only regenerate church members and believer baptism is the front door of that. So we're seeking people who have made a creditable profession of faith. Basically, the ideal is that no one should have a voice or a vote in this church if they're not born-again. That's a regenerate church membership. Believer baptism is the front door of that. Now these days, we have a kind of a problem in the Baptist circles. It's called baptizing children. We're always baptizing, it seems earlier and earlier and earlier all the time. I know actually of a southern Baptist church, this is not a joke. Southern Baptist church that has a red fire engine baptistery that children can use. And it's got little cannons on either side that shoot off confetti when the child gets lowered under the water and brought back up. Some of those kids are lining up to do it again and again. It looks like fun. This is tragic. Baptism is too serious for that. What are we saying we go into that water that we have been united with Christ in his death. We're done with sin forever. Does a child understand that? Does a child understand what it cost to be raised up out of that water? Raised up to newness of life in Christ. Does he understand the price that was paid? But what's happening is there is a pressure always to baptize earlier and earlier. And then guess what happens to these little ones? They grow up to bigger ones, don't they? And then what? They're still members of the church, and what's happening then? Unregenerate church membership, and it's affecting the life of the church. We don't want a red fire engine baptistery for children here. We want to be sure that everyone that we baptize is truly born-again. So baptism is not for the unregenerate. Not a Guarantee of Salvation It's also not a guarantee of salvation. Just because you've been baptized, doesn't mean that you're going to heaven. Just because you've received water baptism. There needed to be a life lived. There needed to be engrafting into the vine and then fruit flowing from that life. That's what Romans 6 is all about, we're going to keep talking about it. You show who's your master by how you live. So water baptism alone doesn't guarantee that you're going to heaven. Thirdly, it's not required for salvation. Not Required for Salvation There are groups out here that teach that baptism is required for salvation. They teach that you must be water baptized to be saved. As a matter of fact, they say it is the moment of salvation. The moment that you receive that water baptism, that you are saved, is that true? Absolutely not, we believe that regeneration precedes baptism. And that water baptism is simply a symbol of it. Was the thief on the cross baptized? And Jesus said, "Truly I say to you today, you'll be with me in paradise." And then Paul said in 1 Corinthians 1:17, "Christ did not send me to baptize, but to preach the gospel. Not with words of human wisdom, lest the cross of Christ be emptied of its power." You put works like that on top of, you've emptied the cross of Christ of its power. "I didn't get sent," Paul said, "to baptize, but to preach the gospel." Let me ask you a question. Would Paul ever have said that if water baptism was required for salvation? No way. "Christ did not send me to baptize but to preach the gospel." He wouldn't have made a division. What he's saying is that water baptism does not save you. Not to be Disregarded And then finally water baptism is not to be disregarded. The great commission says that we are to teach them to obey what? Everything that I have commanded. What happens is somebody comes to faith in Christ, we say, "Praise God, you're saved. You now have a new lord, a new master, he's going to be asking many things of you." People say to me, we're talking about water baptism, "Do I have to get up on front of all those people and give my testimony?" I say, "Yeah you do, but you know something, God is strong and powerful and he's going to give you the ability to do that. As a matter of fact, he's going to ask many hard things of you in your Christian life, isn't he?" That's just the first. By the way, if you had known just how hard the journey was, would you have ever come to Christ? He doesn't show you right up front but we know that through many hardships we enter the kingdom of heaven. It is a difficult journey we're called on, but it's a journey of obedience to a lord and master who gives us commands and we obey. This is a simple one, isn't it? Just stand up and give a credible profession of your faith in Christ and go into the water and come back up. That's pretty easy, anybody can do that. But if you're not willing to do that, what does it say about you? There's something amiss you don't understand. It's not to be disregarded. Jesus said, "If you love me, you'll obey what I command." And he commanded that we baptize the nations as we make disciples. Spurgeon said this, "If our congregations were what they ought to be, it would be a very simple matter to preach. For a sermon would then only need to be like the orders given by a commanding officer to his troops, short, sharp, plain, clear, distinct. Our hearers would not want illustrations and metaphors. They would simply ask to be told what they must do to be saved. And the more plainly they could be told, the better pleased they would be." So it's a simple command. Repent, be baptized, trust in Christ and walk with him. And so water baptism is really the first step of obedience. Can I apply it to you? Have you taken that step? Have you come to personal faith in Christ and received water baptism as a symbol of that? There are some people even in our midst that have paid a price to be baptized, even in front of all of you. Perhaps they were holding an office in the church, at some point they recognized that they weren't really saved. And they repented, and they stood up in front of you, and gave a testimony that they have now come to faith in Christ. Was that hard to do? Yeah it was. But they received the water baptism as a testimony of what God had done in their lives. Have you received baptism after you repented and believed? Have you received this? If he is calling you, if today you hear his voice, don't harden your heart, but come and follow and receive this ordinance, this symbol of water baptism. But for those of you who have been baptized as believers, but you're just not living up to it. It's kind of like a husband and wife. They stand up in front of God and each other, and they make promises to each other. If they're not living up to the promises the way they should, should they get married again? Should they stand up and do it all again? No, they need to live up to what they promised, that's all. The beauty of Romans 6, is that any moment a true Christian can repent and start walking with Jesus and stop sinning, because we're not under the authority of sin any longer. We're free from it forever. So if you are a Christian who is not living up to the promise you made to follow Christ and to obey him, live up to it, that's all. Walk by the power of the spirit. We're not going to sin all the more so that grace may increase, but rather we died to sin. We're going to never live in it any longer. God has raised you up to a newness of life, walk in it. Now we have had the opportunity today to hear from God's word. Our desire is that you hear and obey. If God has spoken to your heart, come and talk to me after the service. If you don't know for certain whether you've ever been saved, if you don't know for sure whether you're free from the guilt of your sin, come and talk to me. It's too important to put off. Won't you close with me in prayer? Lord Jesus, we thank you for the commands that you have given us, that they are clear and understandable. Father I pray in Jesus name, that you would enable us to hear and to obey. Thank you o Lord, for the doctrine of water baptism. We thank you for the symbol that it is of dying to an old life, dying to sin and rising again to newness of life. Help us to walk oh Lord, in that newness of life. We pray in Jesus name, Amen.